Document:

Exhibit 10.1

FIRST AMENDMENT OF LEASE

THIS FIRST AMENDMENT OF LEASE, is made and entered into as of May 17, 2005 by and among (i) each of the parties identified on the signature page hereof as landlord (collectively, “Landlord”), and (ii) FIVE STAR QUALITY CARE TRUST, a Maryland business trust, as tenant (“Tenant”).

W I T N E S S E T H:

WHEREAS, pursuant to the terms of that certain Second Amended and Restated Lease Agreement, dated as of November 19, 2004 (the “Amended Lease”), Landlord leases to Tenant and Tenant leases from Landlord certain premises at various locations, including those premises as more particularly described on Exhibit A attached hereto (the “Farmington Premises”); and

WHEREAS, Landlord and Tenant now wish to terminate the Amended Lease with respect to the Farmington Premises and to amend the Amended Lease, subject to and upon the terms and conditions hereinafter provided;

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

1.   Tenant represents and warrants that Tenant has not assigned the Amended Lease with respect to the Farmington Premises or sublet all or any portion of the Farmington Premises or otherwise granted the right to occupy all or any portion of the Farmington Premises to any person or entity, other than pursuant to that certain Sublease Agreement dated as of December 31, 2001, by and between Tenant and Five Star Quality Care-MI, LLC (“Subtenant”), as amended by that certain Letter Agreement dated as of March 1, 2004, by and between Tenant and Certain Affiliates of Five Star Quality Care, Inc., including Subtenant, which Sublease Agreement is being terminated with respect to the Farmington Premises by that certain Amended and Restated Sublease Agreement of even date herewith, by and between Tenant and Subtenant.

2.   Effective as of the date hereof, the Amended Lease is terminated with respect to the Farmington Premises and no party shall have any further rights or liabilities thereunder with respect to the Farmington Premises, except those rights and liabilities which by their terms survive termination of the Amended Lease.

 

 

 

 

 

3.              The definition of “Minimum Rent” set forth in Section 1.69 of the Amended Lease is hereby amended by deleting the existing definition and inserting the following in place thereof:

“Minimum Rent” shall mean Twenty-Three Million, Sign Hundred Ninety-Eight Thousand, Two Hundred Fifty-One Dollars ($24,043,548.00) per annum.

4.              Exhibit A-30 of the Amended Lease is hereby amended by deleting it in its entirety and inserting “[INTENTIONALLY DELETED]” in its place.

5.              As partially terminated and amended hereby, the Amended Lease is hereby ratified and confirmed.

[SIGNATURE PAGES FOLLOW]

 

 

 

 

IN WITNESS WHEREOF, Landlord and Tenant have caused this Partial Termination and Amendment of Lease to be duly executed, as a sealed instrument, as of the date first set forth above.

LANDLORD:

ELLICOTT CITY LAND I LLC, ELLICOTT CITY LAND II LLC, HRES2 PROPERTIES TRUST, SNH CHS PROPERTIES TRUST, SPTIHS PROPERTIES TRUST, SPT-MICHIGAN TRUST, SPTMNR PROPERTIES TRUST, SNH/LTA PROPERTIES TRUST, and SNH/LTA PROPERTIES GA LLC

By: /s/ John R. Hoadley

John R. Hoadley

Treasurer of each of the foregoing entities

TENANT:

FIVE STAR QUALITY CARE TRUST

By: /s/ Bruce J. Mackey Jr.

Bruce J. Mackey Jr.

Treasurer, Chief Financial Officer and Assistant Secretary

 

 

 

 

 

EXHIBIT A

 

The Farmington Premises

 

[The following exhibit has been omitted and will be supplementally

furnished to the Securities and Exchange Commission upon request.]Exhibit 10.2

SECOND AMENDMENT TO SECOND AMENDED AND RESTATED LEASE AGREEMENT

THIS SECOND AMENDMENT TO SECOND AMENDED AND RESTATED LEASE AGREEMENT (this “Amendment”) is made and entered into as of June 3, 2005 by and among each of the parties identified on the signature page hereof as landlord, as landlord (collectively, “Landlord”), and FIVE STAR QUALITY CARE TRUST, a Maryland business trust, as tenant (“Tenant”).

W I T N E S S E T H:

WHEREAS, pursuant to the terms of that certain Second Amended and Restated Lease Agreement, dated as of November 19, 2004, as amended by that certain First Amendment of Lease, dated as of May 17, 2005 (as so amended, the “Consolidated Lease”), Landlord leases to Tenant, and Tenant leases from Landlord, the Leased Property (this and other capitalized terms used but not otherwise defined herein having the meanings given such terms in the Consolidated Lease), all as more particularly described in the Consolidated Lease; and

WHEREAS, SNH CHS Properties Trust has acquired certain real property and related improvements in Omaha, Nebraska known as Westgate Assisted Living and located on the land which is more particularly described on Exhibit A-30 attached hereto (the “Westgate Property”); and

WHEREAS, SNH/LTA Properties GA LLC has acquired certain real property and related improvements in Tucker, Georgia known as Northlake Gardens and located on the land which is more particularly described on Exhibit A-80 attached hereto (the “Northlake Property”); and

WHEREAS, SNH/LTA Properties Trust has acquired certain real property and related improvements in Nashville, Tennessee known as Morningside of Belmont and located on the land which is more particularly described on Exhibit A-81 attached hereto (the “Belmont Property”) and in Greenwood, South Carolina known as Morningside of Greenwood and located on the land which is more particularly described on Exhibit A-82 attached hereto (the “Greenwood Property, and together with the Westgate Property, the Northlake Property and the Belmont Property, collectively, the “Second Amendment Property”); and

WHEREAS, SNH CHS Properties Trust, SNH/LTA Properties GA, LLC, SNH/LTA Properties Trust, the other entities comprising Landlord and Tenant wish to amend the Consolidated Lease to include the Second Amendment Property;

 

 

 

 

 

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

1.              Effective as of the date hereof, Exhibits A-30, A-80, A-81 and A-82 are hereby inserted into the Consolidated Lease as Exhibits A-30, A-80, A-81, and A-82.

2.              Effective as of the date hereof, the definition of “Additional Properties” set forth in Section 1.2 of the Consolidated Lease is hereby amended by deleting the existing definition and replacing it with the following definition:

“Additional Properties” shall mean, collectively, (i) the Properties described in Exhibits A-30 and A-68 through A-82 hereof, and (ii) the LTA GMAC Leased Property.

3.              Effective as of the date hereof, the definition of “Minimum Rent” set forth in Section 1.69 of the Consolidated Lease is hereby amended by deleting the existing definition and replacing it with the following definition:

“Minimum Rent” shall mean the sum of Twenty-Six Million Two Hundred Three Thousand Five Hundred Forty-Eight Dollars ($26,203,548) per annum.

4.              Effective as of the date hereof, the definition of “Pledge Agreement” set forth in Section 1.79 of the Consolidated Lease is hereby amended by deleting the existing definition and replacing it with the following definition:

“Pledge Agreement” shall mean the Amended and Restated Pledge of Shares of Beneficial Interest Agreement, dated as of May 6, 2005, made by FSQ, Inc. in favor of Landlord with respect to the stock or other equity interests of Tenant, as amended, restated, supplemented or otherwise modified from time to time.

5.              Effective as of the date hereof, Section 2.1 of the Consolidated Lease is hereby amended by deleting subsection (a) in its entirety and replacing it with the following:

 

- 2 -

 

 

 

(a)  those certain tracts, pieces and parcels of land, as more particularly described in Exhibits A-1 through A-82, attached hereto and made a part hereof (the “Land”);

6.              Effective as of the date hereof, Tenant shall pay all Additional Rent and Additional Charges related to the Second Amendment Property (which constitute Additional Property) in accordance with the provisions of the Consolidated Lease.

7.              As amended hereby, the Consolidated Lease is hereby ratified and confirmed.

 

[Signature Page Follows.]

 

 

- 3 -

 

 

 

IN WITNESS WHEREOF, Landlord and Tenant have caused this Amendment to be duly executed, as a sealed instrument, as of the date first set forth above.

LANDLORD:

ELLICOTT CITY LAND I LLC, ELLICOTT CITY LAND II LLC, HRES2 PROPERTIES TRUST, SNH CHS PROPERTIES TRUST, SPTIHS PROPERTIES TRUST, SPT-MICHIGAN TRUST, SPTMNR PROPERTIES TRUST, SNH/LTA PROPERTIES TRUST and SNH/LTA PROPERTIES GA LLC

	
            By: /s/ John R. Hoadley
 

John R. Hoadley

Treasurer of each of the foregoing entities

TENANT:

FIVE STAR QUALITY CARE TRUST

	
            By: /s/ Bruce J. Mackey Jr.
 

Bruce J. Mackey Jr.

Treasurer, Chief Financial Officer and Assistant Secretary

 

 

 

 

[The following exhibits have been omitted and will be supplementally

furnished to the Securities and Exchange Commission upon request.]

 

Exhibit A-30     The Westgate Property

Exhibit A-80     The Northlake Property

Exhibit A-81     The Belmont Property

Exhibit A-82     The Greenwood PropertyEXHIBIT 10.1

                          BERRY PLASTICS CORPORATION
                            BPC HOLDING CORPORATION

                SECOND AMENDMENT TO SECOND AMENDED AND RESTATED
                         CREDIT AND GUARANTY AGREEMENT

            SECOND AMENDMENT TO SECOND AMENDED AND RESTATED CREDIT AND GUARANTY
AGREEMENT  (this  "AMENDMENT")  is  dated  as  of  June 3, 2005 (the "AMENDMENT
EFFECTIVE  DATE"),  among Berry Plastics Corporation,  a  Delaware  corporation
("COMPANY"), BPC Holding  Corporation,  a  Delaware  corporation  ("HOLDINGS"),
certain  subsidiaries  of  Company  as  Guarantors,  the  Lenders party hereto,
Goldman Sachs Credit Partners L.P. ("GSCP") as co-syndication agent, joint lead
arranger  and  joint  bookrunner, JPMorgan Chase Bank, N.A. ("JPMCB"),  as  co-
syndication agent, joint  lead  arranger  and  joint  bookrunner, Deutsche Bank
Trust  Company  Americas  (together  with  any  of  its designated  affiliates,
"DBTCA"), as Administrative Agent, Collateral Agent,  an Issuing Bank and Swing
Line Lender, Fleet National Bank ("FLEET NATIONAL BANK"),  as  an  Issuing Bank
and  predecessor Swing Line Lender, and The Royal Bank of Scotland and  General
Electric Capital Corporation, as Co-Documentation Agents.

                                   RECITALS

            WHEREAS,  Company  entered  into  the  Second  Amended and Restated
Credit  and Guaranty Agreement dated as of August 9, 2004, as  amended  by  the
First Amendment  to  Second  Amended and Restated Credit and Guaranty Agreement
dated  as  of January 1, 2005 (the  Second  Amended  and  Restated  Credit  and
Guaranty Agreement,  together  with  the First Amendment thereto, the "EXISTING
AGREEMENT"),  among  Company, Holdings,  certain  subsidiaries  of  Company  as
Guarantors, the Lenders party thereto, GSCP, as a Lender, JPMCB, as Syndication
Agent, Fifth Third, as  Administrative  Agent,  Bank  of America, as Collateral
Agent, Issuing Bank and Swing Line Lender, and The Royal  Bank  of Scotland and
General Electric Capital Corporation, as Co-Documentation Agents;

            WHEREAS,  Company  desires  to  acquire the capital stock  of  Kerr
Group, Inc. ("KERR"), refinance or retire substantially  all  existing  debt of
Kerr  and  its  Subsidiaries,  redeem  all  preferred  stock  of  Kerr  and its
Subsidiaries  and  pay  fees,  commissions and expenses in connection therewith
(the "KERR ACQUISITION") pursuant  to that certain Agreement and Plan of Merger
dated May 5, 2005 by and among Company,  Berry Plastics Acquisition Corporation
VI,  Kerr,  the  sellers  listed on the signature  pages  thereto  and  Fremont
Acquisition Company, L.L.C. (the "KERR MERGER AGREEMENT");

            WHEREAS, for purposes  of  the  Kerr  Acquisition  and  for general
corporate  purposes,  Company has requested that the Requisite Lenders  or  the
Lenders, as the case may  be  (in  each  case  as defined in the Amended Credit
Agreement), amend the Existing Agreement: (i) to  make available $465.0 million
of  additional  senior  secured  term  loans,  (ii) to increase  the  Revolving
Commitments and any Incremental Revolving Commitments to an aggregate of $150.0
million and to extend the Revolving Commitment Termination  Date  to  March 31,
2010;  and  (iii)  to make other amendments to the Existing Agreement, as  more
particularly set forth in the Amended Credit Agreement (as defined below).

            WHEREAS,  attached  hereto  as Exhibit A is a conformed copy of the
Existing Agreement which contains all of the specific modifications, amendments
and supplements necessary or desirable in  connection  with  the closing of the
Kerr  Acquisition concurrently herewith and certain other amendments  requested
by Company  (including  the schedules and exhibits thereto, the "AMENDED CREDIT
AGREEMENT");
<PAGE>
            NOW, THEREFORE,  in  consideration  of the premises made hereunder,
and for good and valuable consideration, the receipt  and  sufficiency of which
are  hereby  acknowledged, the parties hereto, intending to be  legally  bound,
hereby agree as follows:

            Section 1.  Definitions.    Unless   otherwise   expressly  defined
herein,  all  capitalized  terms used herein and defined in the Amended  Credit
Agreement shall be used herein as so defined.

            Section 2.  Amendments  to  the  Existing  Agreement.  The Existing
Agreement is hereby amended and modified from and after the Amendment Effective
Date  as  reflected  in  the Amended Credit Agreement.  Any  provision  of  the
Existing Agreement which is different from that set forth in the Amended Credit
Agreement shall be superseded  in all respects by the provisions of the Amended
Credit Agreement.

            Section 3.  Appointment  of Administrative Agent, Swing Line Lender
and  Collateral  Agent.   The  Lenders and  Company  hereby  appoint  DBTCA  as
Administrative Agent, as Swing Line  Lender  and  as Collateral Agent under the
Amended Credit Agreement and the other Credit Documents,  and  acknowledge  and
agree  that  (i)  effective  as  of  the  Amendment Effective Date, DBTCA shall
receive all of the benefits of Section 9 of  the  Amended  Credit Agreement and
(ii)  DBTCA has not reviewed any Credit Documents with any purpose  other  than
with the  purpose  of  assuming  the  role  of Administrative Agent, Swing Line
Lender and Collateral Agent, and that the knowledge of all prior Administrative
Agents, Swing Line Lenders and Collateral Agents  under  the Existing Agreement
and other Credit Documents shall not be imputed to DBTCA.

            Section 4.  Global Amendment.  As of the Amendment  Effective Date,
(i)  each  reference in the Credit Documents to "Goldman Sachs Credit  Partners
L.P." or "GSCP",  solely  in  its  capacity  as  Administrative Agent, and each
reference to "Fifth Third Bank" or "Fifth Third",  solely  in  its  capacity as
Administrative Agent, is hereby amended by substituting therefor "Deutsche Bank
Trust Company Americas", (ii) each reference in the Credit Documents  to "Fleet
National  Bank"  or  "Fleet",  solely in its capacity as Swing Line Lender,  is
hereby amended by substituting therefor  "Deutsche Bank Trust Company Americas"
and (iii) each reference in the Credit Documents  to  "Fleet  National Bank" or
"Fleet",  solely  in  its  capacity as Collateral Agent, is hereby  amended  by
substituting therefor "Deutsche Bank Trust Company Americas".

            Section 5.  Conditions  Precedent.   This  Amendment  shall  become
effective  upon  satisfaction of each of the conditions precedent set forth  in
Sections 3.2 and 3.4 of the Amended Credit Agreement.

            Section 6.  Designated  Senior  Indebtedness.   Each of the Company
and  the  Guarantors party hereto that are "Note Guarantors" as  such  term  is
defined in  the  indenture,  dated as of July 22, 2002 (as amended, restated or
supplemented, the "Indenture")  among  Holdings, Company, the guarantors listed
on the signature page thereof, and U.S.  Bank  Trust  National  Association, as
trustee,  relating  to  the  10 3/4% Senior Subordinated Notes due 2012  hereby
specifically designate the "Senior  Indebtedness" (as defined in the Indenture)
incurred under the Existing Agreement,  the  Amendment  and  the Amended Credit
Agreement as "Designated Senior Indebtedness" for purposes of the Indenture.

            Section 7.  Representations and Warranties.  Company and Guarantors
hereby represent and warrant to Agents and Lenders that, as of  the date hereof
and after giving effect to this Amendment that the Amended Credit Agreement and
all other Credit Documents are and remain legal, valid, binding and enforceable
obligations  in accordance with the terms thereof except as may be  limited  by
                                  2
<PAGE>

bankruptcy, insolvency,  reorganization, moratorium or similar laws relating to
or limiting creditors' rights  generally or by equitable principles (regardless
of whether enforcement is sought in equity or at law).

            Section 8.  Survival   of   Representations  and  Warranties.   All
representations and warranties made in this  Amendment  and  the Amended Credit
Agreement  shall survive the execution and delivery of this Amendment,  and  no
investigation  by  Agents  or  Lenders  shall  affect  the  representations and
warranties  or  the  right  of  Agents and Lenders to rely upon them.   If  any
representation  or  warranty made in  this  Amendment  or  the  Amended  Credit
Agreement is false in  any material respect as of the date made or deemed made,
then such shall constitute  an  Event  of  Default  under  the  Amended  Credit
Agreement.

            Section 9.  Reference  to Agreement.  Each of the Credit Documents,
including the Amended Credit Agreement,  and  any  and  all  other  agreements,
documents or instruments now or hereafter executed and/or delivered pursuant to
the terms hereof or pursuant to the terms of the Amended Credit Agreement,  are
hereby  amended  so  that  any reference in such Credit Documents to the Credit
Agreement, whether direct or  indirect,  shall  mean a reference to the Amended
Credit Agreement.  This Amendment shall constitute  a Credit Document under the
Amended Credit Agreement.

            Section 10. Costs and Expenses.  Company  shall  pay  on demand all
reasonable  costs and expenses of Agents (including the reasonable fees,  costs
and expenses  of each counsel to any of the Agents) incurred in connection with
the preparation, execution and delivery of this Amendment.

            Section 11. Governing  Law.   THIS  AMENDMENT SHALL BE CONSTRUED IN
ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE  OF  NEW  YORK (INCLUDING
SECTIONS 5-1401 AND 5-1402 OF THE GENERAL OBLIGATIONS LAW OF THE  STATE  OF NEW
YORK).

            Section 12. Execution.   This  Amendment  may  be  executed  in any
number   of   counterparts   and   by  different  parties  hereto  in  separate
counterparts, each of which when so  executed shall be deemed to be an original
and all of which taken together shall  constitute  one  and the same agreement.
Delivery of an executed counterpart of a signature page to  this  Amendment  by
telecopier shall be effective as delivery of a manually executed counterpart of
this Amendment.

            Section 13. Limited  Effect.   This  Amendment  relates only to the
specific  matters  expressly covered herein, shall not be considered  to  be  a
waiver of any rights  or  remedies any Lender may have under the Amended Credit
Agreement or under any other  Credit  Document,  and shall not be considered to
create a course of dealing or to otherwise obligate  in  any respect any Lender
to execute similar or other amendments or grant any waivers  under  the same or
similar or other circumstances in the future.

            Section 14. Certain Waivers.  Each of Company and Guarantors hereby
agrees that neither the Agents nor any Lender shall be liable under a claim of,
and hereby waives any claim against the Agents and the Lenders based on, lender
liability  (including, but not limited to, liability for breach of the  implied
covenant of  good  faith  and  fair  dealing,  fraud,  negligence,  conversion,
misrepresentation,  duress,  control  and interference, infliction of emotional
distress and defamation and breach of fiduciary  duties)  as  a  result of this
Amendment  and any discussions or actions taken or not taken by the  Agents  or
the Lenders  on  or  before  the  date  hereof  or the discussions conducted in
                                  3
<PAGE>

connection therewith, or any course of action taken by the Agents or any Lender
in response thereto or arising therefrom; provided,  that  the foregoing waiver
shall  not  include  the  waiver  of  any claims which are based on  the  gross
negligence or willful misconduct of any  Agent  or  any  Lender or any of their
respective agents.  This Section 14 shall survive the execution and delivery of
this Amendment and the termination of the Existing Agreement.

            Section 15. Ratification  by Guarantors.  Each  of  the  Guarantors
agrees  and consents to this Amendment and  to  the  documents  and  agreements
referred  to  herein.   Each of the Guarantors agrees and acknowledges that (i)
notwithstanding the effectiveness  of this Amendment, such Guarantor's Guaranty
shall remain in full force and effect  without  modification  thereto  and (ii)
nothing  herein  shall in any way limit any of the terms or provisions of  such
Guarantor's Guaranty  or  any  other Credit Document executed by such Guarantor
(as the same may be amended from  time  to  time),  all  of  which  are  hereby
ratified,  confirmed  and  affirmed  in  all  respects.  Each of the Guarantors
hereby agrees and acknowledges that no other agreement,  instrument, consent or
document  shall be required to give effect to this Section  15.   Each  of  the
Guarantors  hereby further acknowledges that Company, Agents and any Lender may
from  time  to   time   enter   into  any  further  amendments,  modifications,
terminations and/or waivers of any  provisions  of the Credit Documents without
notice to or consent from such Guarantor and without  affecting the validity or
enforceability of such Guarantor's Guaranty or giving rise  to  any  reduction,
limitation, impairment, discharge or termination of such Guarantor's Guaranty.

                           [signature pages follow]

                                  4

 LA\1430179.12

<PAGE>

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

                                    BERRY PLASTICS CORPORATION

                                    By:    ______________________________
                                           Name:
                                           Title:

                                    BPC HOLDING CORPORATION

                                    By:    ______________________________
                                           Name:
                                           Title:

 LA\1430179.12

<PAGE>

GUARANTOR SUBSIDIARIES

AeroCon, Inc.
Berry Iowa Corporation
Berry Plastic Design Corporation
Berry Plastics Technical Services, Inc.
Berry Sterling Corporation
Cardinal Packaging, Inc.
CPI Holding Corporation
Knight Plastics, Inc.
Landis Plastics, Inc.
Packerware Corporation
Pescor, Inc.
Poly-Seal Corporation
Venture Packaging, Inc.
Venture Packaging Midwest, Inc.
Berry Plastics Acquisition Corporation II
Berry Plastics Acquisition Corporation III
Berry Plastics Acquisition Corporation V
Berry Plastics Acquisition Corporation VII
Berry Plastics Acquisition Corporation VIII
Berry Plastics Acquisition Corporation IX
Berry Plastics Acquisition Corporation X
Berry Plastics Acquisition Corporation XI
Berry Plastics Acquisition Corporation XII
Berry Plastics Acquisition Corporation XIII
Kerr Group, Inc.
Plastics Funding Corporation
Saffron Acquisition Corp.
Sun Coast Industries, Inc.

      By:   ______________________________
            Name:
            Title:

Berry Plastics Acquisition Corporation XIV, LLC
Berry Plastics Acquisition Corporation XV, LLC
Setco, LLC
Tubed Products, LLC

      By:   ______________________________
            Name:
            Title:

 LA\1430179.12

<PAGE>

AGENTS AND LENDERS:

GOLDMAN SACHS CREDIT PARTNERS L.P.
as Co-Syndication Agent, joint lead arranger, joint bookrunner
and Lender

By:  ________________________________________
             Authorized Signatory

 LA\1430179.12

<PAGE>

JPMORGAN CHASE BANK, N.A.
as Co-Syndication Agent, joint lead arranger, joint bookrunner
and Lender

By:   _____________________________________
         Name:
         Title:

 LA\1430179.12

<PAGE>

DEUTSCHE BANK TRUST COMPANY AMERICAS,
as Administrative Agent, Collateral Agent, an Issuing Bank, Swing Line
Lender and Lender

By:  _____________________________________
        Name:
        Title:

By:  _____________________________________
        Name:
        Title:

 LA\1430179.12

<PAGE>

FLEET NATIONAL BANK,
as an Issuing Bank and predecessor Swing Line Lender

By:  _____________________________________
        Name:
        Title:

 LA\1430179.12

<PAGE>

THE ROYAL BANK OF SCOTLAND,
as Co-Documentation Agent and Lender

By:  _____________________________________
        Name:
        Title:

 LA\1430179.12

<PAGE>

GENERAL ELECTRIC CAPITAL CORPORATION,
as Co-Documentation Agent and Lender

By:  _____________________________________
        Name:
        Title:

<TABLE>
<CAPTION>

<S> <C> <C>
</TABLE>

 LA\1430179.12

<PAGE>

[LENDER], as Lender

By:  _____________________________________
        Name:
        Title:

 LA\1430179.12

<PAGE>
              EXHIBIT A TO SECOND AMENDMENT TO SECOND AMENDED AND
                           RESTATED CREDIT AND GUARANTY AGREEMENT

                          SECOND AMENDED AND RESTATED
                         CREDIT AND GUARANTY AGREEMENT

                          DATED AS OF AUGUST 9, 2004

                       AS AMENDED AS OF JANUARY 1, 2005
                     AS FURTHER AMENDED AS OF JUNE 3, 2005

                                     AMONG

                          BERRY PLASTICS CORPORATION,

                           BPC HOLDING CORPORATION,

              CERTAIN SUBSIDIARIES OF BERRY PLASTICS CORPORATION
                                AS GUARANTORS,

                               VARIOUS LENDERS,

                      GOLDMAN SACHS CREDIT PARTNERS L.P.
                                      AND
                           JPMORGAN CHASE BANK, N.A.
     AS JOINT LEAD ARRANGERS, JOINT BOOKRUNNERS AND CO-SYNDICATION AGENTS,

                     DEUTSCHE BANK TRUST COMPANY AMERICAS,
                  AS ADMINISTRATIVE AGENT, COLLATERAL AGENT,
                    AN ISSUING BANK AND SWING LINE LENDER

                              FLEET NATIONAL BANK
             AS AN ISSUING BANK AND PREDECESSOR SWING LINE LENDER,

                                      AND
                          THE ROYAL BANK OF SCOTLAND
                                      AND
                     GENERAL ELECTRIC CAPITAL CORPORATION,
                          AS CO-DOCUMENTATION AGENTS

           ________________________________________________________

                 $945,000,000 SENIOR SECURED CREDIT FACILITIES
           ________________________________________________________

NY12526:37176.3
 LA\1431665.15

<PAGE>

                               TABLE OF CONTENTS

                                                                        Page

SECTION 1.      DEFINITIONS AND INTERPRETATION...........................2
          1.1.  Definitions..............................................2
          1.2.  Accounting Terms.........................................43
          1.3.  Interpretation, Etc......................................43
          1.4.  Interrelationship with the Existing Agreement............43

SECTION 2.      LOANS AND LETTERS OF CREDIT..............................44
          2.1.  Term Loans...............................................44
          2.2.  Incremental Term Loans...................................45
          2.3.  Revolving Loans..........................................46
          2.4.  Incremental Revolving Loans..............................47
          2.5.  Issuance of Letters of Credit and Purchase of
                Participations Therein...................................48
          2.6.  Swing Line Loans.........................................53
          2.7.  Pro Rata Shares; Availability of Funds...................56
          2.8.  Use of Proceeds..........................................57
          2.9.  Evidence of Debt; Register; Lenders' Books and Records;
                Notes....................................................57
          2.10. Interest on Loans........................................58
          2.11. Conversion/Continuation..................................60
          2.12. Default Interest.........................................60
          2.13. Fees.....................................................61
          2.14. Scheduled Payments/Commitment Reductions.................62
          2.15. Voluntary Prepayments/Commitment Reductions..............63
          2.16. Mandatory Prepayments/Commitment Reductions..............65
          2.17. Application of Prepayments/Reductions....................67
          2.18. General Provisions Regarding Payments....................68
          2.19. Ratable Sharing..........................................70
          2.20. Making or Maintaining Eurodollar Rate Loans..............70
          2.21. Increased Costs; Capital Adequacy........................72
          2.22. Taxes; Withholding, Etc..................................74
          2.23. Obligation to Mitigate...................................77
          2.24. Defaulting Lenders.......................................77
          2.25. Removal or Replacement of a Lender.......................78

SECTION 3.      CONDITIONS PRECEDENT.....................................79
          3.1.  Original Closing Date....................................79
          3.2.  Conditions to Each Credit Extension......................85
          3.3.  Conditions to the 2004 Effective Date Term Loan
                Commitments..............................................87
          3.4.  Conditions to the New Term Loan Commitments on the
                Second Amendment Effective Date..........................87
          3.5.  Effect of Agreement on Other Credit Documents............94

                                        -i-
<PAGE>
SECTION 4.      REPRESENTATIONS AND WARRANTIES...........................94
          4.1.  Organization; Requisite Power and Authority;
                Qualification............................................94
          4.2.  Capital Stock and Ownership..............................94
          4.3.  Due Authorization........................................94
          4.4.  Guarantor Subsidiaries...................................95
          4.5.  No Conflict..............................................95
          4.6.  Governmental Consents....................................95
          4.7.  Binding Obligation.......................................95
          4.8.  Historical Financial Statements..........................96
          4.9.  Projections..............................................96
          4.10. No Material Adverse Change...............................96
          4.11. Adverse Proceedings, Etc.................................96
          4.12. Payment of Taxes.........................................96
          4.13. Properties...............................................97
          4.14. Environmental Matters....................................97
          4.15. No Defaults..............................................98
          4.16. Governmental Regulation..................................98
          4.17. Margin Stock.............................................98
          4.18. Employee Matters.........................................98
          4.19. Employee Benefit Plans...................................99
          4.20. Solvency.................................................99
          4.21. Compliance with Statutes, Etc............................99
          4.22. Disclosure...............................................99

SECTION 5.      AFFIRMATIVE COVENANTS....................................100
          5.1.  Financial Statements and Other Reports...................100
          5.2.  Existence................................................103
          5.3.  Payment of Taxes and Claims..............................103
          5.4.  Maintenance of Properties................................104
          5.5.  Insurance................................................104
          5.6.  Inspections..............................................104
          5.7.  Lenders Meetings.........................................105
          5.8.  Compliance with Laws.....................................105
          5.9.  Environmental............................................105
          5.10. Subsidiaries.............................................106
          5.11. Additional Material Real Estate Assets...................107
          5.12. Interest Rate Protection.................................107
          5.13. Title Insurance..........................................107
          5.14. Further Assurances.......................................108

                                        -ii-
<PAGE>
SECTION 6.      NEGATIVE COVENANTS.......................................108
          6.1.  Indebtedness.............................................108
          6.2.  Liens....................................................112
          6.3.  Equitable Lien...........................................113
          6.4.  No Further Negative Pledges..............................114
          6.5.  Restricted Junior Payments...............................114
          6.6.  Restrictions on Subsidiary Distributions.................115
          6.7.  Investments..............................................116
          6.8.  Financial Covenants......................................117
          6.9.  Fundamental Changes; Disposition of Assets; Acquisitions.121
          6.10. Disposal of Subsidiary Interests.........................122
          6.11. Transactions with Shareholders and Affiliates............122
          6.12. Conduct of Business......................................123
          6.13. Permitted Activities of Holdings.........................123
          6.14. Amendments or Waivers of Certain Related Agreements......123
          6.15. Amendments or Waivers of or with respect to Subordinated
                Indebtedness.............................................124
          6.16. Fiscal Year..............................................124
          6.17. Derivative Transactions..................................124

SECTION 7.      GUARANTY.................................................124
          7.1.  Guaranty of the Obligations..............................124
          7.2.  Contribution by Guarantors...............................125
          7.3.  Payment by Guarantors....................................126
          7.4.  Liability of Guarantors Absolute.........................126
          7.5.  Waivers by Guarantors....................................128
          7.6.  Guarantors' Rights of Subrogation, Contribution, Etc.....129
          7.7.  Subordination of Other Obligations.......................130
          7.8.  Continuing Guaranty......................................130
          7.9.  Authority of Guarantors or Company.......................130
          7.10. Financial Condition of Company...........................130
          7.11. Bankruptcy, Etc..........................................130
          7.12. Discharge of Guaranty Upon Sale of Guarantor.............131

SECTION 8.      EVENTS OF DEFAULT........................................131
          8.1.  Events of Default........................................131
          8.2.  Company's Right to Cure..................................135

SECTION 9.      AGENTS...................................................136
          9.1.  Appointment of Agents....................................136
          9.2.  Powers and Duties........................................136
          9.3.  General Immunity.........................................137
          9.4.  Agents Entitled to Act as Lender.........................138
          9.5.  Lenders' Representations, Warranties and Acknowledgment..138
          9.6.  Right to Indemnity.......................................138
          9.7.  Sub-Agents...............................................139
          9.8.  Successor Administrative Agent, Collateral Agent and
                Swing Line Lender........................................139
          9.9.  Collateral Documents and Guaranty........................140

                                        -iii-
<PAGE>
SECTION 10.     MISCELLANEOUS............................................141
          10.1. Notices..................................................141
          10.2. Expenses.................................................141
          10.3. Indemnity................................................142
          10.4. Set-Off..................................................143
          10.5. Amendments and Waivers...................................144
          10.6. Successors and Assigns; Participations...................146
          10.7. Independence of Covenants................................149
          10.8. Survival of Representations, Warranties and Agreements...149
          10.9. No Waiver; Remedies Cumulative...........................150
          10.10.Marshalling; Payments Set Aside..........................150
          10.11.Severability.............................................150
          10.12.Obligations Several; Independent Nature of Lenders'
                Rights...................................................150
          10.13.Headings.................................................151
          10.14.APPLICABLE LAW...........................................151
          10.15.CONSENT TO JURISDICTION..................................151
          10.16.WAIVER OF JURY TRIAL.....................................151
          10.17.Confidentiality..........................................152
          10.18.Usury Savings Clause.....................................153

                                      -iv-

 LA\1431665.15

<PAGE>
    APPENDICES:
          A-1       2004 Effective Date Term Loan Commitments
          A-2       New Term Loan Commitments
          A-3       Revolving Commitments
          B         Notice Addresses
SCHEDULES:
          1.1(a)    Redemption of Certain Existing Notes
          1.1(b)    Existing Letters of Credit under the Existing Agreement
          3.1(l)    Original Closing Date Mortgaged Properties
          3.4(g)    Second Amendment Effective Date Mortgaged Properties
          4.1       Jurisdictions of Organization and Qualification
          4.2       Capital Stock and Ownership
          4.4       Guarantors
          4.13      Real Estate Assets
          4.14      Environmental Matters
          6.1(g)    Surviving Indebtedness
          6.2(l)    Certain Liens
          6.7       Existing Investments
          6.8(d)(iv)Historical Quarters
EXHIBITS:
          A-1       Funding Notice
          A-2       Conversion/Continuation Notice
          A-3       Issuance Notice
          A-4       Incremental Term Loan Notice
          A-5       Incremental Revolving Notice
          B-1       Term Loan Note
          B-2       Incremental Term Loan Note
          B-3       Revolving Loan Note
          B-4       Swing Line Note
          C-1       Compliance Certificate
          C-2       Incremental Term Loan Certificate
          D         Opinions of Counsel
          D-1       Opinions of Counsel
          E         Assignment Agreement
          F         Certificate Re Non-bank Status
          G-1       Original Closing Date Certificate
          G-2       Original Closing Date Solvency Certificate
          G-3       Second Amendment Effective Date Certificate
          G-4       Second Amendment Effective Date Solvency Certificate
          H         Counterpart Agreement
          I         Pledge and Security Agreement
          J         Mortgage
          K         Landlord's Consent, Estoppel Certificate and Amendment
          L         Intercompany Subordination Agreement
          M         Joinder Agreement
                                     -v-

<PAGE>
          N         New Lender Supplement
          O         Reaffirmation and Counterpart Agreement
          P         Mortgage Modification

                                     -vi-

 LA\1431665.15

<PAGE>

                          SECOND AMENDED AND RESTATED
                         CREDIT AND GUARANTY AGREEMENT

             This  SECOND  AMENDED  AND RESTATED CREDIT AND GUARANTY AGREEMENT,
dated as of August 9, 2004, as amended by the FIRST AMENDMENT TO SECOND AMENDED
AND RESTATED CREDIT AND GUARANTY AGREEMENT  dated  as  of  January 1, 2005 (the
Second  Amended and Restated Credit and Guaranty Agreement, together  with  the
First Amendment  thereto,  the  "EXISTING AGREEMENT") and as further amended by
the  Second  Amendment  to Second Amended  and  Restated  Credit  and  Guaranty
Agreement, dated as of June  3,  2005  (the  "AMENDED CREDIT AGREEMENT" or this
"AGREEMENT"),  is  entered  into  by and among BERRY  PLASTICS  CORPORATION,  a
Delaware  corporation  ("COMPANY"),  BPC   HOLDING   CORPORATION,   a  Delaware
corporation  ("HOLDINGS"), CERTAIN SUBSIDIARIES OF COMPANY, as Guarantors,  the
Lenders party  hereto  from  time  to  time, GOLDMAN SACHS CREDIT PARTNERS L.P.
("GSCP") and JPMORGAN CHASE BANK, N.A. ("JPMCB"),  as  Joint Lead Arrangers and
Joint Bookrunners, and as Co-Syndication Agents (together  with their permitted
successors  and  assigns  in such capacity, "CO-SYNDICATION AGENTS"),  DEUTSCHE
BANK TRUST COMPANY AMERICAS  (together  with  any of its designated affiliates,
"DBTCA"), as Administrative Agent (together with  its  permitted  successors in
such capacity, "ADMINISTRATIVE AGENT"), as Collateral Agent (together  with its
permitted successors in such capacity, "COLLATERAL AGENT"), as an Issuing  Bank
and  as  Swing  Line  Lender  (together  with  its permitted successors in such
capacity, "SWING LINE LENDER"), FLEET NATIONAL BANK, ("FLEET NATIONAL BANK") as
an  Issuing  Bank and predecessor Swing Line Lender,  and  THE  ROYAL  BANK  OF
SCOTLAND and GENERAL  ELECTRIC  CAPITAL CORPORATION, as Co-Documentation Agents
(together with their permitted successors  and  assigns  in such capacity, "CO-
DOCUMENTATION AGENTS").

                                   RECITALS:

             WHEREAS, capitalized terms used in these Recitals  shall  have the
respective meanings set forth for such terms in Section 1.1 hereof;

             WHEREAS,  Company is the borrower under the Existing Agreement  by
and among Company, Holdings,  certain  Subsidiaries  of  Company as Guarantors,
Fifth Third Bank, as Administrative Agent, JPMCB, as Syndication  Agent,  Fleet
National  Bank  as  Collateral  Agent,  Issuing Bank and Swing Line Lender, The
Royal  Bank  of  Scotland  and  General Electric  Capital  Corporation  as  Co-
Documentation Agents and the Lenders party thereto.

             WHEREAS, Company has  requested  and  certain Lenders party to the
Amended Credit Agreement have agreed, to increase the  size  of  the  Term Loan
Commitment under the Existing Agreement to an aggregate principal amount  equal
to  $795,000,000  (it  being  understood  by  all  parties hereto that the 2004
                                        -1-
<PAGE>
Effective Date Term Loan Commitments were fully funded  on  the  2004 Effective
Date and such 2004 Effective Date Term Loans, as of the date hereof,  are in an
aggregate  principal amount of $329,948,562.50), and to extend the maturity  of
the Term Loans.   $465,051,437.50 aggregate principal amount of Term Loans will
be funded on the Second Amendment Effective Date, the proceeds of which will be
used (i) to fund the  acquisition  of  the  capital  stock  of Kerr Group, Inc.
("KERR"), refinance or retire substantially all existing debt  of  Kerr and its
Subsidiaries, redeem all preferred stock of Kerr and its Subsidiaries  and  pay
fees,  commissions and expenses in connection therewith (such transactions, the
"KERR ACQUISITION") pursuant to that certain Agreement and Plan of Merger dated
May 5, 2005  by  and  among Company, Berry Plastics Acquisition Corporation VI,
Kerr, the sellers listed on the signature pages thereto and Fremont Acquisition
Company, L.L.C. (the "KERR  MERGER  AGREEMENT"), and (ii) for general corporate
purposes;

             WHEREAS, Company has requested,  and  certain Lenders party to the
Amended  Credit  Agreement  have  agreed, to increase the  aggregate  Revolving
Commitments from $100.0 million up  to  an  aggregate  of  $150.0  million  for
Company's  general  corporate  purposes, such increase to be effected as of the
Second Amendment Effective Date  or  as  of  the  Incremental Revolving Closing
Date;

             WHEREAS, Company has requested, and Requisite  Lenders, and in the
case  of  amendments  to  the  Revolving  Commitment Termination Date,  Lenders
affected  thereby, have agreed, to enter into  this  Agreement,  to  amend  the
Existing Agreement in accordance with Section 10.5 thereof, effective as of the
Second Amendment  Effective  Date upon satisfaction or waiver of the conditions
precedent set forth in Section 3.4.

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

SECTION 1.     DEFINITIONS AND INTERPRETATION

       1.1.  DEFINITIONS

             .   The following terms used herein, including  in  the  preamble,
recitals, exhibits and schedules hereto, shall have the following meanings:

             "2002  MERGER"  means the acquisition by Sponsors of substantially
all the outstanding Capital Stock of Holdings.

             "2002 MERGER AGREEMENT"  means  the  Agreement and Plan of Merger,
dated as of May 25, 2002, among GS Berry Acquisition Corp., Sponsors, Holdings,
Company, Sellers (as defined therein) and Sellers'  Representatives (as defined
therein), as in effect on the Original Closing Date.

             "2002 MERGER FINANCING REQUIREMENTS" means  the  aggregate  amount
necessary  to pay (i) the cash portion of the consideration due to shareholders
of Holdings  under  the  2002  Merger  Agreement,  (ii) the costs of prepaying,
redeeming or purchasing the Indebtedness of Holdings  and Company to be paid on
                                        -2-
<PAGE>

the Original Closing Date and thereafter pursuant to redemption  notices  to be
delivered on the Original Closing Date and (iii) all other Original Transaction
Costs,  in each of cases (i), (ii) and (iii) in accordance with the 2002 Merger
Agreement and Schedule 1.1(a).

             "2003  CREDIT AGREEMENT" means the Amended and Restated Credit and
Guaranty Agreement, dated  as  of  November 10,  2003,  by  and  among Company,
Holdings, certain Subsidiaries of Company as Guarantors, the Agents and various
Lenders.

             "2004 EFFECTIVE DATE" as defined in Section 3.3.

             "2004 EFFECTIVE DATE TERM LOAN" means a term loan made by a Lender
on  the  2004  Effective  Date  pursuant  to  Section  2.1(a)  of  the Existing
Agreement.   The  aggregate  principal  amount of the 2004 Effective Date  Term
Loans outstanding as of the date hereof is $329,948,562.50.

             "2004 EFFECTIVE DATE TERM LOAN COMMITMENT" means the commitment of
a  Lender  under  the Existing Agreement to  make  or  otherwise  fund  a  2004
Effective Date Term  Loan  on  the 2004 Effective Date and "2004 EFFECTIVE DATE
TERM LOAN COMMITMENTS" means such  commitments of all Lenders in the aggregate.
The amount of each Lender's 2004 Effective  Date  Term Loan Commitment, if any,
is set forth on Annex A-1 or in the applicable Assignment Agreement, subject to
any adjustment or reduction pursuant to the terms and conditions hereof.

             "2004 EFFECTIVE DATE TERM LOAN LENDER"  means  a Lender who funded
or made a 2004 Effective Date Term Loan.

             "ADDITIONAL ISSUING BANK" as defined in Section 2.5(i).

             "ADDITIONAL  NET  SALES" means, for any Fiscal Year,  the  sum  of
(a) for  each Person directly or  indirectly  acquired  by  the  Company  in  a
Permitted  Acquisition  during  such  Fiscal  Year,  the  product  of  (i) 7.5%
multiplied  by  (ii) the  historical  net  sales of such Person during its most
recent  four  full  Fiscal  Quarters  immediately   preceding   the   Permitted
Acquisition for which quarterly financial statements have been delivered to the
Lenders  pursuant  to Section 5.1(a) , multiplied by (iii) a fraction, the
denominator of which is 365 and  the  numerator  of  which  is the number of
days from (but excluding) the date of such Permitted Acquisition  to
(and including) the last day  of  such  Fiscal  Year,  and  (b) for each Person
directly  or  indirectly acquired by the Company in a Permitted  Acquisition
during  any  prior  Fiscal Year,  the  product of (i) 7.5% multiplied by (ii)
the historical net sales  of such Person during  its  most  recent  four  full
Fiscal  Quarters immediately preceding  the  Permitted Acquisition for which
quarterly financial  statements have been delivered to the Lenders pursuant to
Section 5.1(a).

             "ADDITIONAL  SPONSOR  EQUITY"  means  Cash  proceeds  received  by
Holdings  from  the  issuance  of  its  Capital  Stock  to,  or  other  capital
contributions  by  one  or more Sponsors for their own account on any day after
the Second Amendment Effective  Date,  in  an  aggregate  amount  not to exceed
$100,000,000 during the term of this Agreement.
                                        -3-
<PAGE>

             "ADJUSTED   EURODOLLAR   RATE"   means,   for  any  Interest  Rate
Determination  Date with respect to an Interest Period for  a  Eurodollar  Rate
Loan, the rate per  annum obtained by dividing (and rounding upward to the next
whole multiple of 1/16  of  1%)  (i) (a)  the  rate  per  annum (rounded to the
nearest 1/100 of 1%) equal to the rate determined by Administrative Agent to be
the  offered rate which appears on the page of the Dow Jones  Telerate  Service
which  displays an average British Bankers Association Interest Settlement Rate
(such page  currently  being  page  number  3740  or  3750,  as applicable) for
deposits (for delivery on the first day of such period) with a  term equivalent
to  such period in Dollars, determined as of approximately 11:00 a.m.  (London,
England time) on such Interest Rate Determination Date, or (b) in the event the
rate  referenced  in  the  preceding clause (a) does not appear on such page or
service or if such page or service  shall  cease  to be available, the rate per
annum  (rounded to the nearest 1/100 of 1%) equal to  the  rate  determined  by
Administrative Agent to be the offered rate on such other page or other service
which displays  an average British Bankers Association Interest Settlement Rate
for deposits (for  delivery  on  the  first  day  of  such  period) with a term
equivalent to such period in Dollars, determined as of approximately 11:00 a.m.
(London, England time) on such Interest Rate Determination Date,  or (c) in the
event  the  rates  referenced  in  the  preceding  clauses (a) and (b) are  not
available, the rate per annum (rounded to the nearest 1/100 of 1%) equal to the
offered quotation rate to first class banks in the London  interbank  market by
DBTCA  for  deposits (for delivery on the first day of the relevant period)  in
Dollars of amounts  in  same  day  funds  comparable to the principal amount of
$5,000,000, for which the Adjusted Eurodollar  Rate  is  then  being determined
with  maturities  comparable  to  such  period  as of approximately 11:00  a.m.
(London,  England time) on such Interest Rate Determination  Date,  by  (ii) an
amount equal to (a) one minus (b) the Applicable Reserve Requirement.

             "ADMINISTRATIVE AGENT" as defined in the preamble hereto.

             "ADVERSE  PROCEEDING"  means any action, suit, proceeding (whether
administrative,   judicial  or  otherwise),   governmental   investigation   or
arbitration (whether  or  not  purportedly  on behalf of Holdings or any of its
Subsidiaries) at law or in equity, or before  or by any Governmental Authority,
domestic or foreign (including any Environmental  Claims),  whether pending or,
to the knowledge of Holdings or any of its Subsidiaries, threatened  against or
affecting  Holdings  or any of its Subsidiaries or any property of Holdings  or
any of its Subsidiaries.

             "AFFECTED LENDER" as defined in Section 2.20(b).

             "AFFECTED LOANS" as defined in Section 2.20(b).

             "AFFILIATE"  means,  as  applied  to  any Person, any other Person
directly  or  indirectly controlling, controlled by, or  under  common  control
with, that Person,  provided  no  Person  shall  be  an  Affiliate of Holdings,
                                        -4-
<PAGE>

Company or any of its Subsidiaries solely because such Person  controls,  or is
under  common  control  with,  one  or  more  of  the entities constituting the
Sponsors.  For  the  purposes  of this definition, "control"  (including,  with
correlative  meanings, the terms  "controlling",  "controlled  by"  and  "under
common control with"), as applied to any Person, means the possession, directly
or indirectly,  of  the  power (i) to vote 10% or more of the Securities having
ordinary voting power for  the  election of directors of such Person or (ii) to
direct or cause the direction of  the  management  and policies of that Person,
whether through the ownership of voting securities or by contract or otherwise.

             "AGENT" means each of Co-Syndication Agents, Administrative Agent,
Collateral  Agent,  Co-Documentation Agents and, solely  for  the  purposes  of
Sections 9,   and , each Issuing Bank and Swing Line Lender.

             "AGGREGATE AMOUNTS DUE" as defined in Section 2.19.

             "AGGREGATE PAYMENTS" as defined in Section 7.2.

             "AGREEMENT" means the Amended Credit Agreement.

             "AMENDED  CREDIT  AGREEMENT" as defined in the preamble hereto, as
it may be amended, supplemented or otherwise modified from time to time.

             "AMENDMENT" means the  Second  Amendment  to  Second  Amended  and
Restated Credit and Guaranty Agreement dated as of June 3, 2005.

             "APPLICABLE  MARGIN"  and  "APPLICABLE  REVOLVING  COMMITMENT  FEE
PERCENTAGE"  mean  (i) with respect to Revolving Loans that are Eurodollar Rate
Loans and the Applicable Revolving Commitment Fee Percentage, a percentage, per
annum, determined by  reference  to  the  Leverage Ratio in effect from time to
time as set forth below:

<TABLE>
<CAPTION>
  LEVERAGE    APPLICABLE MARGIN APPLICABLE REVOLVING COMMITMENT
    RATIO    FOR REVOLVING LOANS        FEE PERCENTAGE
<S>           <C>                 <C>
> or = 4.50 : 1.00       2.75%                   0.50 %
<      4.50 : 1.00       2.50%                   0.50 %

> or = 4.00 : 1.00
<      4.00 : 1.00       2.25%                   0.375 %

> or = 3.50 : 1.00
<      3.50 : 1.00       2.00%                   0.375 %
</TABLE>
                                        -5-
<PAGE>

(ii) with respect to Swing Line Loans and Revolving  Loans  that  are Base Rate
Loans, an amount equal to (a) the Applicable Margin for Eurodollar  Rate  Loans
as  set  forth  in  clause (i) above, as applicable, minus (b) 1.00% per annum;
(iii) with respect to  Term Loans that are (a) Base Rate Loans, an amount equal
to (I) 1.00% per annum,  if  the  Leverage  Ratio  is  equal  to  or  less than
4.50:1.00  or  (II)  1.25%  per  annum,  if  the Leverage Ratio is greater than
4.50:1.00 or (b) Eurodollar Rate Loans, an amount equal to (I) 2.00% per annum,
if the Leverage Ratio is equal to or less than  4.50:1.00  or  (II)  2.25%  per
annum,  if the Leverage Ratio is greater than 4.50:1.00, in each case, with the
applicable Leverage Ratio calculated in accordance with Section 6.8(d)(ii); and
(iv) with  respect  to Incremental Term Loans, such per annum rates as shall be
agreed to by Company  and the applicable Incremental Term Loan Lenders as shown
in the applicable Incremental  Term  Loan  Notice.  No change in the Applicable
Margin or the Applicable Revolving Commitment Fee Percentage shall be effective
until three Business Days after the date on  which  Administrative  Agent shall
have  received the applicable financial statements and a Compliance Certificate
pursuant to Section 5.1(c) calculating the Leverage Ratio. At any time Company
has not submitted to  Administrative  Agent  the applicable information as and
when required under Section 5.1(c), the Applicable Margin  and  the  Applicable
Revolving Commitment Fee Percentage shall be determined as if the Leverage
Ratio  were in excess  of  4.50:1.00.   Within  one  Business Day of receipt of
the applicable information under Section 5.1(c), Administrative Agent shall
give each  Lender written notice (it being understood that electronic  notice
shall  constitute a writing) of the Applicable Margin and the Applicable
Revolving  Commitment Fee Percentage in effect from such date.

             "APPLICABLE RESERVE REQUIREMENT"  means,  at  any  time,  for  any
Eurodollar  Rate  Loan,  the  maximum  rate,  expressed  as a decimal, at which
reserves   (including,   without  limitation,  any  basic  marginal,   special,
supplemental, emergency or  other  reserves)  are required to be maintained for
eurocurrency funding (currently referred to as  "Eurocurrency  liabilities"  in
Regulation  D  of  the  Board of Governors of the Federal Reserve System) under
regulations issued from time  to  time by the Board of Governors of the Federal
Reserve System or other applicable  banking  regulator.   Without  limiting the
effect  of the foregoing, the Applicable Reserve Requirement shall reflect  any
other reserves  required  to be maintained by such member banks with respect to
(i) any category of liabilities  consisting  of  deposits by reference to which
the  applicable  Adjusted  Eurodollar  Rate  is to be determined,  or  (ii) any
category of extensions of credit or other assets  consisting of Eurodollar Rate
Loans.   A  Eurodollar  Rate  Loan  shall be deemed to constitute  Eurocurrency
liabilities and as such shall be deemed subject to reserve requirements without
benefits of credit for proration, exceptions  or  offsets that may be available
from time to time to the applicable Lender.  The rate of interest on Eurodollar
Rate Loans shall be adjusted automatically on and as  of  the effective date of
any change in the Applicable Reserve Requirement.

             "ASSET  SALE"  means  a  sale, lease or sub-lease  (as  lessor  or
sublessor), assignment, conveyance, transfer  or  other  disposition to, or any
exchange  of  property with, any Person (other than Holdings,  Company  or  any
Guarantor Subsidiary),  in  one transaction or a series of transactions, of all
or any part of Holdings' or any  of  its  Subsidiaries'  businesses,  assets or
                                        -6-
<PAGE>

properties  of  any kind, whether real, personal, or mixed and whether tangible
or intangible, whether  now  owned  or  hereafter  acquired, including, without
limitation,  the  Capital  Stock of any of Holdings' Subsidiaries,  other  than
(i) inventory sold or leased  in the ordinary course of business of Company and
its  Subsidiaries  (excluding  any   such  sales  by  operations  or  divisions
discontinued or to be discontinued), (ii) Cash  Equivalents  sold  for  Cash or
Cash  Equivalents  in  the  ordinary  course  of  business  of  Company and its
Subsidiaries,   (iii) the   sale  or  discount  without  recourse  of  accounts
receivable only in connection  with the compromise thereof or the assignment of
past-due accounts receivable for collection, and (iv) sales of other assets for
aggregate consideration of less than $5,000,000 with respect to any transaction
or series of related transactions,  provided, all sales pursuant to clause (iv)
during any Fiscal Year do not exceed $10,000,000 in the aggregate.

             "ASSIGNMENT  AGREEMENT"  means   an   Assignment   and  Assumption
Agreement  in  the form of Exhibit E, with such amendments or modifications  as
may be approved by Administrative Agent.

             "AUTHORIZED   OFFICER"  means,  as  applied  to  any  Person,  any
individual holding the position of chairman of the board (if an officer), chief
executive officer, president  or  one of its vice presidents (or the equivalent
thereof), and such Person's chief financial officer, controller or treasurer.

             "BANK OF AMERICA" as defined in the preamble hereto.

             "BANKRUPTCY CODE"  means   Title 11  of  the  United  States  Code
entitled  "Bankruptcy,"  as  now and hereafter  in  effect,  or  any  successor
statute.

             "BASE RATE" means,  for  any  day,  a  rate per annum equal to the
greater of (i) the Prime Rate in effect on such day and  (ii) the Federal Funds
Effective Rate in effect on such day plus  1/2 of 1%.  Any  change  in the Base
Rate  due  to  a  change in the Prime Rate or the Federal Funds Effective  Rate
shall be effective on the effective day of such change in the Prime Rate or the
Federal Funds Effective Rate, respectively.

             "BASE  RATE  LOAN"  means  a  Loan  bearing  interest  at  a  rate
determined by reference to the Base Rate.

             "BENEFICIARY"  means  each  Agent, Issuing Bank, Lender and Lender
Counterparty.

             "BUDGETED AMOUNT" as defined in Section 6.8(c).

             "BUSINESS DAY" means any day  excluding  (i) Saturday,  Sunday and
any  day which is a legal holiday under the laws of the State of Ohio or  is  a
day on  which  banking  institutions  located  in  such state are authorized or
required  by  law or other governmental action to close  and  (ii) solely  with
respect to all  notices,  determinations,  fundings  and payments in connection
with the Adjusted Eurodollar Rate or any Eurodollar Rate  Loans,  also  any day
                                        -7-
<PAGE>

which  is not a day for trading by and between banks in Dollar deposits in  the
London interbank market.

             "CAPITAL  LEASE" means, as applied to any Person, any lease of any
property (whether real,  personal  or  mixed) by that Person as lessee that, in
conformity with GAAP, is accounted for as  a capital lease on the balance sheet
of that Person.

             "CAPITAL   STOCK"   means   any   and   all   shares,   interests,
participations or other equivalents (however designated)  of capital stock of a
corporation, any and all equivalent ownership interests in a Person (other than
a  corporation),  including,  without  limitation,  partnership  interests  and
membership interests, and any and all warrants, rights  or  options to purchase
or other arrangements or rights to acquire any of the foregoing.

             "CASH" means money, currency or a credit balance  in any demand or
Deposit Account.

             "CASH  EQUIVALENTS"  means,  as  at  any  date  of  determination,
(i) marketable securities (A) issued or directly and unconditionally guaranteed
as to interest and principal by the United States of America or (B)  issued  by
any  agency of the United States of America the obligations of which are backed
by the  full  faith  and  credit  of the United States of America, in each case
maturing within one year after such  date;  (ii) marketable  direct obligations
issued by any state of the United States of America or the District of Columbia
or any political subdivision or instrumentality thereof, in each  case maturing
within  one  year  after  such  date and having, at the time of the acquisition
thereof, a rating of at least A-1  from  S&P  or  at  least  P-1  from Moody's;
(iii) commercial paper maturing no more than one year from the date of creation
thereof  and  having,  at the time of the acquisition thereof, a rating  of  at
least A-1 from S&P or at  least P-1 from Moody's; (iv) certificates of deposit,
time deposits, eurodollar time  deposits,  overnight  bank deposits or bankers'
acceptances maturing within one year after such date and issued or accepted by,
and money market deposit accounts issued or offered by,  any domestic office of
any commercial bank organized under the laws of the United States of America or
any  state  thereof or the District of Columbia that has combined  capital  and
surplus  and  undivided  profits  of  not  less  than  $500,000,000;  (v) fully
collateralized  repurchase  agreements with a term of not more than 30 days for
securities described in clause  (i) or  (ii)  above  and  entered into with any
commercial bank satisfying the requirements of clause (iv)  above;  (vi) solely
in  respect  of  the  ordinary course cash management activities of the Foreign
Subsidiaries, equivalents  of the investments described in clauses (i) and (ii)
above to the extent guaranteed  by the United Kingdom or the European Union and
equivalents of the investments described  in clause (iv) above issued, accepted
or  offered  by  (a)  the  local  office  of any commercial  bank  meeting  the
requirements of clause (iv) above in the jurisdiction  of  organization  of the
applicable  Foreign  Subsidiary  or (b) the local office of any commercial bank
organized under the laws of the jurisdiction  of organization of the applicable
Foreign Subsidiary which commercial bank (1) has  combined  capital and surplus
and  undivided  profits  of  not less than $1,000,000,000 and (2)  a  long-term
                                        -8-
<PAGE>

rating for Dollar-denominated  obligations  of  at  least  A-1  from S&P or the
equivalent  rating  from  Moody's; and (vii) shares of any money market  mutual
fund that (a) complies with  the  criteria set forth in Securities and Exchange
Commission Rule 2a-7 under the Investment  Company  Act  of  1940,  (b) has net
assets of not less than $500,000,000, and (c) has the highest rating obtainable
from either S&P or Moody's.

             "CERTIFICATE RE NON-BANK STATUS" means a certificate substantially
in the form of Exhibit F.

             "CHANGE OF CONTROL" means:

             (I)     at any time, (i) Holdings shall cease to beneficially  own
and  control  100%  on  a  fully-diluted  basis of the outstanding economic and
voting  interest  in  the Capital Stock of Company;  or  (ii)  any  "change  of
control" or similar event  under  the  Senior Subordinated Note Documents shall
occur;

             (II) prior to an IPO, at least 51% on a fully-diluted basis of the
outstanding voting power of the Voting Stock  of  Holdings  shall  cease  to be
beneficially owned and controlled by one or more of the Sponsors; and

             (III) following an IPO, (i) the Sponsors shall fail to own, or  to
have  the  power  to  vote  or  direct  the voting of, Voting Stock of Holdings
representing more than 35% of the voting  power of the total outstanding Voting
Stock of Holdings; (ii) any person or "group" (within the meaning of Rules 13d-
3 and 13d-5 under the Exchange Act) other than  one or more of the Sponsors (A)
shall beneficially own a percentage of the economic  interests  in  the  Voting
Stock  of Holdings on a fully-diluted basis that is greater than the percentage
of the economic  interests  in  the Voting Stock of Holdings on a fully-diluted
basis then held by the Sponsors, taken together, or (B) shall have obtained the
power (whether or not exercised)  to  elect  a  majority  of the members of the
board  of  directors  (or  similar governing body) of Holdings;  or  (iii)  the
majority of the seats (other  than  vacant seats) on the board of directors (or
similar governing body) of Holdings cease  to be occupied by Persons who either
(a) were members of the board of directors of  Holdings on the Second Amendment
Effective Date or (b) were either (x) nominated  for  election  by the board of
directors  of  Holdings,  a  majority  of  whom  were  directors  on the Second
Amendment  Effective  Date  or  whose  election or nomination for election  was
previously  approved  by  a majority of such  directors  or  (y) designated  or
appointed by the Sponsors;

             "CLASS" means  (i) with  respect to Lenders, each of the following
classes of Lenders: (a) Lenders having  Term  Loan Exposure, (b) Lenders having
Revolving  Exposure  (including  Swing Line Lender),  and  (c)  Lenders  having
Incremental  Term  Loan Exposure, (ii) with  respect  to  Loans,  each  of  the
following classes of  Loans:   (a) the  Term  Loan, (b) Revolving Loans and (c)
Incremental Term Loans, and (iii) with respect  to  Commitments,  each  of  the
following  classes of Commitments:  (a) Term Loan Commitments and (b) Revolving
Commitments.
                                        -9-
<PAGE>

             "CO-DOCUMENTATION AGENTS" as defined in the preamble hereto.

             "CO-SYNDICATION AGENTS" as defined in the preamble hereto.

             "COLLATERAL"  means,  collectively,  all of the real, personal and
mixed  property  (including  Capital  Stock)  whether now  owned  or  hereafter
acquired in which Liens are purported to be granted  pursuant to the Collateral
Documents as security for the Obligations.

             "COLLATERAL AGENT" as defined in the preamble hereto.

             "COLLATERAL  DOCUMENTS" means the Pledge and  Security  Agreement,
the Mortgages, the Mortgage  Modifications,  the  Landlord's  Consent, Estoppel
Certificate and Amendments, if any, the Reaffirmation and Counterpart Agreement
and  all  other instruments, documents and agreements delivered by  any  Credit
Party pursuant  to this Agreement or any of the other Credit Documents in order
to grant to Collateral  Agent,  for the benefit of Lenders, a Lien on any real,
personal  or  mixed  property  of  that   Credit  Party  as  security  for  the
Obligations.

             "COLLATERAL   QUESTIONNAIRE"   means   a   certificate   in   form
satisfactory to the Collateral Agent that provides  information with respect to
the personal or mixed property of each Credit Party.

             "COMPANY" as defined in the preamble hereto.

             "COMMITMENT"  means  any  Revolving  Commitment   or   Term   Loan
Commitment.

             "COMMITMENT PERIOD" means the Revolving Commitment Period.

             "COMMITMENT  TERMINATION  DATE"  means  the  Revolving  Commitment
Termination Date.

             "COMPLIANCE    CERTIFICATE"   means   a   Compliance   Certificate
substantially in the form of Exhibit C-1.

             "CONSOLIDATED ADJUSTED  EBITDA"  means,  for any period, an amount
determined for Holdings and its Subsidiaries on a consolidated  basis  equal to
the   sum,   without   duplication,   of   the   amounts  for  such  period  of
(i) Consolidated Net Income, plus (ii) to the extent  reducing Consolidated Net
Income, (a) Consolidated Interest Expense, (b) provisions  for  taxes  based on
income,   (c) total   depreciation  expense,  (d) total  amortization  expense,
(e) other non-Cash items,  including  (I)  any  non-cash losses with respect to
hedging obligations and with respect to other derivative  instruments including
any Currency Agreement, Interest Rate Agreement or Financial  Hedge  Agreement,
accounted  for  and  recorded  pursuant  to  Statement No. 133 of the Financial
Accounting Standards Board (Accounting for Derivative  Instruments  and Hedging
                                        -10-
<PAGE>

Activities), (II) any non-cash compensation charges arising out of the grant of
stock,  stock  options  or  other  equity-based  awards  and (III) any non-cash
unrealized  losses  on  Investments,  in  each  case  in  this clause  (ii)(e),
excluding any such non-Cash item to the extent that it represents an accrual or
reserve  for  potential  Cash items in any future period or amortization  of  a
prepaid Cash item that was  paid  in  a  prior  period,  (f)  Transaction Costs
payable  in  Cash  by  Holdings  and  Company with respect to such period,  and
(g) Original Transaction Costs and Landis Acquisition Transaction Costs payable
in  Cash  by  Holdings  and  Company  with  respect   to   such  period,  minus
(iii) non-Cash  items  increasing  Consolidated  Net  Income for  such  period,
including (I) any non-cash gains with respect to hedging  obligations  and with
respect  to  other  derivative  instruments  including  any Currency Agreement,
Interest  Rate  Agreement  or  Financial  Hedge  Agreement, accounted  for  and
recorded  pursuant to Statement No. 133 of the Financial  Accounting  Standards
Board (Accounting  for  Derivative Instruments and Hedging Activities) and (II)
any non-cash unrealized gains  on  Investments,  in  each  case  in this clause
(iii),  excluding  any  such  non-Cash  item  to  the extent it represents  the
reversal of an accrual or reserve for potential Cash item in any prior period.

             "CONSOLIDATED CAPITAL EXPENDITURES" means,  for  any  period,  the
aggregate  of  all  expenditures  of  Holdings and its Subsidiaries during such
period determined on a consolidated basis  that,  in  accordance with GAAP, are
included in "purchase of property and equipment" or similar  items reflected in
the  consolidated  statement  of  cash  flows of Holdings and its Subsidiaries,
other  than  any  amount  of  such  expenditures   that   constitute  Permitted
Acquisition Expenses or the permitted application of Net Insurance/Condemnation
Proceeds in accordance with Section 2.16(b).

             "CONSOLIDATED  CASH  INTEREST  EXPENSE"  means,  for  any  period,
Consolidated Interest Expense for such period, excluding any amount not payable
in Cash.

             "CONSOLIDATED   CURRENT   ASSETS"   means,  as  at  any  date   of
determination,  the  total  assets  of  Holdings  and  its  Subsidiaries  on  a
consolidated  basis  that  may  properly  be  classified as current  assets  in
conformity with GAAP, excluding Cash and Cash Equivalents.

             "CONSOLIDATED  CURRENT LIABILITIES"  means,  as  at  any  date  of
determination, the total liabilities  of  Holdings  and  its  Subsidiaries on a
consolidated  basis  that may properly be classified as current liabilities  in
conformity with GAAP, excluding the current portion of long term debt.

             "CONSOLIDATED  EXCESS  CASH FLOW" means, for any period, an amount
(if positive) equal to: (i) the sum,  without  duplication,  of the amounts for
such  period  of  (a)  Consolidated Adjusted EBITDA, plus (b) the  Consolidated
Working Capital Adjustment,  minus  (ii) the  sum,  without duplication, of the
amounts  for  such  period  of  (a)  voluntary  and  scheduled   repayments  of
Consolidated Total Debt (excluding repayments of Revolving Loans or  Swing Line
Loans except to the extent the Revolving Commitments are permanently reduced in
                                        -11-
<PAGE>

connection with such repayments), (b)(x) Consolidated Capital Expenditures  and
(y)   Permitted  Acquisition  Expenses  (excluding  any  Permitted  Acquisition
Expenses paid in respect of Cash or Cash Equivalents of an acquired Person), in
each of  cases  (x)  and (y) except to the extent financed with the proceeds of
Additional Sponsor Equity,  other  financings  or Asset Sales, (c) Consolidated
Cash Interest Expense, (d) provisions for current  taxes  based  on  income  of
Holdings  and its Subsidiaries and payable in Cash with respect to such period,
(e) Transaction  Costs  payable in Cash by Holdings and Company with respect to
such  period,  and  (f) Original   Transaction  Costs  and  Landis  Acquisition
Transaction Costs payable in Cash by  Holdings and Company with respect to such
period.

             "CONSOLIDATED  INTEREST EXPENSE"  means,  for  any  period,  total
interest expense (including that  portion  attributable  to  Capital  Leases in
accordance with GAAP and capitalized interest) of Holdings and its Subsidiaries
on  a  consolidated  basis  with  respect  to  all  outstanding Indebtedness of
Holdings and its Subsidiaries, including all commissions,  discounts  and other
fees  and  charges  owed  with respect to letters of credit and net costs under
Interest Rate Agreements, but  excluding,  however,  any amounts referred to in
Section 2.13(c) payable on or before the Second Amendment Effective Date.

             "CONSOLIDATED  NET  INCOME"  means, for any  period,  (i) the  net
income (or loss) of Holdings and its Subsidiaries  on  a consolidated basis for
such period taken as a single accounting period determined  in  conformity with
GAAP,  minus  (ii) (a)  the  income  (or  loss)  of  any  Person (other than  a
Subsidiary of Holdings) in which any other Person (other than  Holdings  or any
of  its  Subsidiaries) has a joint interest, except to the extent of the amount
of dividends  or  other  distributions  actually paid to Holdings or any of its
Subsidiaries by such Person during such period, (b) the income (or loss) of any
Person accrued prior to the date it becomes  a  Subsidiary  of  Holdings  or is
merged  into  or  consolidated with Holdings or any of its Subsidiaries or that
Person's assets are  acquired  by  Holdings or any of its Subsidiaries, (c) the
income of any Subsidiary of Holdings  to  the  extent  that  the declaration or
payment of dividends or similar distributions by that Subsidiary of that income
is not at the time permitted by operation of the terms of its  charter  or  any
agreement,  instrument,  judgment, decree, order, statute, rule or governmental
regulation applicable to that  Subsidiary,  (d) any  after-tax  gains or losses
attributable to Asset Sales or returned surplus assets of any Pension Plan, and
(e) (to the extent not included in clauses (a) through (d) above)  any non-Cash
net extraordinary gains or non-Cash net extraordinary losses.

             "CONSOLIDATED  TOTAL DEBT" means, as at any date of determination,
the aggregate stated balance  sheet  amount of all Indebtedness of Holdings and
its Subsidiaries determined on a consolidated basis in accordance with GAAP.

             "CONSOLIDATED  WORKING  CAPITAL"   means,   as   at  any  date  of
determination,  the  excess  of  Consolidated  Current Assets over Consolidated
Current Liabilities.
                                        -12-
<PAGE>

             "CONSOLIDATED WORKING CAPITAL ADJUSTMENT"  means,  for any period,
the  amount  (which  may  be  a  negative  number)  of  the  following, without
duplication,  (i)  Consolidated  Working  Capital as of the beginning  of  such
period, minus (ii) Consolidated Working Capital  as  of the end of such period,
excluding  from  such  calculation  the Net Current Assets  of  any  Subsidiary
acquired in a Permitted Acquisition during  such period, determined at the time
of such acquisition.

             "CONTRACTUAL OBLIGATION" means,  as  applied  to  any  Person, any
provision of any Security issued by that Person or of any indenture,  mortgage,
deed of trust, contract, written undertaking, agreement or other instrument  to
which  that  Person is a party or by which it or any of its properties is bound
or to which it or any of its properties is subject.

             "CONTRIBUTING GUARANTORS" as defined in Section 7.2.

             "CONVERSION/CONTINUATION  DATE"  means  the  effective  date  of a
continuation  or conversion, as the case may be, as set forth in the applicable
Conversion/Continuation Notice.

             "CONVERSION/CONTINUATION  NOTICE"  means a Conversion/Continuation
Notice substantially in the form of Exhibit A-2.

             "COUNTERPART    AGREEMENT"    means   a   Counterpart    Agreement
substantially in the form of Exhibit H delivered  by a Credit Party pursuant to
Section 5.10.

             "CREDIT DATE" means the date of a Credit Extension.

             "CREDIT DOCUMENT" means any of this Agreement  (or, solely for the
purposes  of  historical  conditions  set  forth  in Section 3.1, the  Original
Agreement),  the  Amendment, the Reaffirmation and Counterpart  Agreement,  the
Notes, if any, the Collateral Documents, any documents or certificates executed
by Company in favor  of  any  Issuing  Bank  relating to Letters of Credit, any
Incremental Term Loan Notice, any Incremental  Revolving  Notice  and all other
documents,  instruments or agreements executed and delivered by a Credit  Party
for the benefit of any Agent, Issuing Bank or any Lender in connection herewith
or therewith.

             "CREDIT  EXTENSION" means the making of a Loan or the issuing of a
Letter of Credit.

             "CREDIT PARTY" means Company, the Guarantors and each other Person
(other  than  any  Agent,   any  Issuing  Bank  or  any  Lender  or  any  other
representative thereof) from time to time party to a Credit Document.

             "CURE AMOUNT" as defined in Section 8.2.

             "CURE RIGHT" as defined in Section 8.2.
                                        -13-
<PAGE>

             "CURRENCY AGREEMENT" means any foreign exchange contract, currency
swap agreement, futures contract,  option  contract,  synthetic  cap  or  other
similar  agreement  or arrangement, each of which is for the purpose of hedging
the foreign currency  risk  associated  with  Holdings'  and  its Subsidiaries'
operations and not for speculative purposes.

             "DBTCA" as defined in the preamble hereto.

             "DEFAULT" means a condition or event that, after notice  or  lapse
of time or both, would constitute an Event of Default.

             "DEFAULT EXCESS" means, with respect to any Defaulting Lender, the
excess,  if  any,  of  such Defaulting Lender's Pro Rata Share of the aggregate
outstanding principal amount  of  Loans  of  all  Lenders (calculated as if all
Defaulting Lenders (other than such Defaulting Lender)  had funded all of their
respective Defaulted Loans) over the aggregate outstanding  principal amount of
all Loans of such Defaulting Lender.

             "DEFAULT PERIOD" means, with respect to any Defaulting Lender, the
period commencing on the date of the applicable Funding Default  and  ending on
the earliest of the following dates:  (i) the date on which all Commitments are
cancelled   or  terminated  and/or  the  Obligations  are  declared  or  become
immediately due and payable, (ii) the date on which (a) the Default Excess with
respect to such  Defaulting  Lender shall have been reduced to zero (whether by
the funding by such Defaulting Lender of any Defaulted Loans of such Defaulting
Lender  or  by the non-pro rata  application  of  any  voluntary  or  mandatory
prepayments of  the  Loans  in accordance with the terms of Section 2.15 or
Section 2.16 or  by  a combination thereof)  and  (b)  such  Defaulting  Lender
shall  have delivered  to  Company  and Administrative Agent a written
reaffirmation of its intention to honor its obligations hereunder with respect
to its Commitments, and (iii) the date on which Company, Administrative Agent
and Requisite Lenders waive all Funding Defaults of such Defaulting Lender in
writing.

             "DEFAULTING LENDER" as defined in Section 2.24.

             "DEFAULTED LOAN" as defined in Section 2.24.

             "DEPOSIT ACCOUNT" means a demand, time,  savings, passbook or like
account  with  a  bank,  savings  and loan association, credit  union  or  like
organization, other than an account  evidenced  by  a negotiable certificate of
deposit.

             "DOLLARS" and the sign "$" mean the lawful  money  of  the  United
States of America.

             "DOMESTIC  SUBSIDIARY"  means  any  Subsidiary organized under the
laws  of the United States of America, any State thereof  or  the  District  of
Columbia, other than any such Subsidiary that has no material assets other than
Capital Stock of or other Investments in one or more Foreign Subsidiaries.
                                        -14-
<PAGE>

             "ELIGIBLE  ASSIGNEE"  means  (i) any  Lender, any Affiliate of any
Lender and any Related Fund (any two or more Related  Funds  being treated as a
single  Eligible  Assignee  for  all purposes hereof), and (ii) any  commercial
bank, insurance company, investment  or  mutual fund or other entity that is an
"accredited investor" (as defined in Regulation D under the Securities Act) and
which  extends credit or buys loans as one  of  its  businesses;  provided,  no
Affiliate of Holdings shall be an Eligible Assignee.

             "EMPLOYEE  BENEFIT  PLAN"  means  any  "employee benefit plan" (as
defined  in  Section  3(3) of ERISA) which is or was sponsored,  maintained  or
contributed to by, or required  to  be  contributed  by,  Holdings,  any of its
Subsidiaries or any of their respective ERISA Affiliates.

             "EMPLOYEE  LEVERAGE PROGRAM" means the Holdings 2002 Stock  Option
Plan, the Holdings Key Employee  Equity  Investment  Plan  and  the  agreements
relating  to  the  investments  by  members  of  management of Holdings and its
subsidiaries in GS Berry Acquisition Corporation,  including  the  contribution
and  subscription  agreements, management stockholders agreement and promissory
notes.

             "ENVIRONMENTAL  CLAIM"  means any investigation, notice, notice of
violation, claim, action, suit, proceeding,  demand,  abatement  order or other
order or directive (conditional or otherwise), by any governmental authority or
any other Person, arising (i) pursuant to or in connection with any  actual  or
alleged  violation  of  any  Environmental  Law;  (ii) in  connection  with any
Hazardous  Material  or any actual or alleged Hazardous Materials Activity;  or
(iii) in connection with  any  actual or alleged damage, injury, threat or harm
to health, safety, natural resources or the environment.

             "ENVIRONMENTAL LAWS"  means  any and all current or future foreign
or domestic, federal or state (or any subdivision of either of them), statutes,
ordinances, orders, rules, regulations, judgments, Governmental Authorizations,
or   any   other   requirements   of  Governmental  Authorities   relating   to
(i) environmental matters, including  those relating to any Hazardous Materials
Activity;  (ii) the generation, use, storage,  transportation  or  disposal  of
Hazardous  Materials;  or  (iii) occupational  safety  and  health,  industrial
hygiene, land  use  or  the  protection of human, plant or animal health in any
manner applicable to Holdings or any of its Subsidiaries or any Facility.

             "EQUITY FINANCING"  means  the  issuance  for  Cash by Holdings to
Sponsors and/or other investors acceptable to Co-Syndication Agents of not less
than $245,000,000 of common equity in connection with the 2002 Merger.

             "EQUITY PROCEEDS" as defined in Section 6.8(d).

             "ERISA" means the Employee Retirement Income Security Act of 1974,
as amended from time to time, and any successor thereto.

             "ERISA  AFFILIATE"  means,  as  applied  to  any  Person,  (i) any
corporation which is a member of a controlled group of corporations  within the
meaning of Section 414(b) of the Internal Revenue Code of which that Person  is
                                        -15-
<PAGE>

a  member;  (ii) any trade or business (whether or not incorporated) which is a
member of a group  of  trades  or  businesses  under  common control within the
meaning of Section 414(c) of the Internal Revenue Code  of which that Person is
a  member;  and  (iii) any  member  of an affiliated service group  within  the
meaning of Section 414(m) or (o) of the  Internal  Revenue  Code  of which that
Person, any corporation described in clause (i) above or any trade  or business
described  in  clause  (ii)  above is a member.  Any former ERISA Affiliate  of
Holdings or any of its Subsidiaries  shall  continue  to be considered an ERISA
Affiliate  of  Holdings  or  any  such Subsidiary within the  meaning  of  this
definition with respect to the period  such  entity  was  an ERISA Affiliate of
Holdings or such Subsidiary and with respect to liabilities  arising after such
period for which Holdings or such Subsidiary could be liable under the Internal
Revenue Code or ERISA.

             "ERISA EVENT" means (i) a "reportable event" within the meaning of
Section 4043 of ERISA and the regulations issued thereunder with respect to any
Pension Plan (excluding those for which the provision for 30-day  notice to the
PBGC  has  been  waived  by  regulation);  (ii) the failure to meet the minimum
funding standard of Section 412 of the Internal  Revenue  Code  with respect to
any  Pension Plan (whether or not waived in accordance with Section  412(d)  of
the Internal  Revenue  Code)  or the failure to make by its due date a required
installment under Section 412(m)  of  the Internal Revenue Code with respect to
any  Pension  Plan  or  the failure to make  any  required  contribution  to  a
Multiemployer Plan; (iii) the  provision  by  the  administrator of any Pension
Plan pursuant to Section 4041(a)(2) of ERISA of a notice of intent to terminate
such  plan  in a distress termination described in Section  4041(c)  of  ERISA;
(iv) the withdrawal  by  Holdings,  any  of  its  Subsidiaries  or any of their
respective ERISA Affiliates from any Pension Plan with two or more contributing
sponsors or the termination of any such Pension Plan resulting in  liability to
Holdings,  any  of  its  Subsidiaries  or  any  of  their respective Affiliates
pursuant to Section 4063 or 4064 of ERISA; (v) the institution  by  the PBGC of
proceedings  to  terminate any Pension Plan, or the occurrence of any event  or
condition which could  reasonably  be  likely to constitute grounds under ERISA
for the termination of, or the appointment  of  a  trustee  to  administer, any
Pension  Plan;  (vi) the  imposition  of  liability  on  Holdings,  any of  its
Subsidiaries  or  any of their respective ERISA Affiliates pursuant to  Section
4062(e) or 4069 of  ERISA or by reason of the application of Section 4212(c) of
ERISA; (vii) the withdrawal  of  Holdings,  any  of  its Subsidiaries or any of
their respective ERISA Affiliates in a complete or partial  withdrawal  (within
the meaning of Sections 4203 and 4205 of ERISA) from any Multiemployer Plan  if
there  is any potential liability therefore, or the receipt by Holdings, any of
its Subsidiaries or any of their respective ERISA Affiliates of notice from any
Multiemployer  Plan  that  it  is  in  reorganization or insolvency pursuant to
Section  4241  or  4245  of  ERISA, or that it  intends  to  terminate  or  has
terminated under Section 4041A  or  4042  of ERISA; (viii) the occurrence of an
act  or  omission  which  could reasonably be expected  to  give  rise  to  the
imposition on Holdings, any  of  its  Subsidiaries  or  any of their respective
ERISA Affiliates of fines, penalties, taxes or related charges under Chapter 43
of the Internal Revenue Code or under Section 409, Section  502(c), (i) or (l),
or  Section  4071  of ERISA in respect of any Employee Benefit Plan;  (ix)  the
                                        -16-
<PAGE>

assertion of a material  claim (other than routine claims for benefits) against
any Employee Benefit Plan  other  than  a  Multiemployer  Plan  or  the  assets
thereof,  or  against  Holdings,  any  of  its  Subsidiaries  or  any  of their
respective  ERISA  Affiliates  in  connection  with  any Employee Benefit Plan;
(x) receipt from the Internal Revenue Service of notice  of  the failure of any
Pension Plan (or any other Employee Benefit Plan intended to be qualified under
Section 401(a) of the Internal Revenue Code) to qualify under Section 401(a) of
the  Internal  Revenue Code, or the failure of any trust forming  part  of  any
Pension Plan to qualify for exemption from taxation under Section 501(a) of the
Internal Revenue  Code;  or  (xi) the  imposition of a Lien pursuant to Section
401(a)(29) or 412(n) of the Internal Revenue  Code  or  pursuant  to ERISA with
respect to any Pension Plan.

             "EURODOLLAR  RATE  LOAN" means a Loan bearing interest at  a  rate
determined by reference to the Adjusted Eurodollar Rate.

             "EVENT OF DEFAULT" means  each  of  the  conditions  or events set
forth in Section 8.1.

             "EXCHANGE  ACT"  means  the  Securities  Exchange Act of 1934,  as
amended from time to time, and any successor statute.

             "EXCLUDED  FOREIGN  SUBSIDIARIES"  means  one   or   more  Foreign
Subsidiaries  which, together with all their Subsidiaries, have either  assets,
combined revenues from operations or combined income from continuing operations
that do not exceed 5% of the combined assets, combined revenues from operations
or combined income from continuing operations of Holdings and its Subsidiaries,
taken as a whole, for any Fiscal Year.

             "EXCLUDED  TAX"  means,  with respect to Administrative Agent, any
Lender, the Issuing Bank or any other recipient of any payment to be made by or
on account of any Obligation, (i) any Tax  imposed  as a result of a connection
or former connection between any Lender and the jurisdiction imposing such tax,
including without limitation, any connection arising  from such Lender being or
having  been  a citizen, domiciliary, or resident of such  jurisdiction,  being
organized in such  jurisdiction,  or  having  had  a permanent establishment or
fixed place of business therein, but excluding any such connection arising from
the activities of such Lender pursuant to or in respect  of  this  Agreement or
any  other  Credit Document, including executing, delivering or performing  its
obligations or  receiving  a  payment  under or enforcing this agreement or any
other loan document, and (ii) in the case  of  a U.S. Lender or Non-U.S. Lender
(other than a Replacement Lender that is an assignee  pursuant  to a request by
Company under Section 2.25), any withholding tax that (a) is imposed on amounts
payable to any such Non-U.S. Lender at the time such Non-U.S. Lender  becomes a
party  to  this  Agreement  or  designates  a  new  lending  office,  or (b) is
attributable  to  such U.S. Lender or Non-U.S. Lender's failure to comply  with
Section 2.22(c), except to the extent that such U.S. Lender or Non-U.S. Lender
(or its assignor, if any) was  entitled,  at the time of assignment or
designation of a new lending office, as the case may  be,  to  receive
additional  amounts from Company with respect to such withholding tax pursuant
to Section 2.22(c).
                                        -17-
<PAGE>

             "EXISTING AGREEMENT" as defined in the recitals hereto.

             "EXISTING  LETTERS  OF CREDIT" means the letters of credit  issued
for the account of Company under the Existing Agreement that are outstanding on
the Second Amendment Effective Date  and  identified  as  Existing  Letters  of
Credit on Schedule 1.1(b) attached hereto.

             "FACILITY"  means  any  real  property  (including  all buildings,
fixtures  or  other improvements located thereon) now, hereafter or  heretofore
owned, leased,  operated  or used by Holdings or any of its Subsidiaries or any
of their respective predecessors or Affiliates.

             "FAIR SHARE" as defined in Section 7.2.

             "FAIR SHARE CONTRIBUTION AMOUNT" as defined in Section 7.2.

             "FAIR SHARE SHORTFALL" as defined in Section 7.2.

             "FEDERAL FUNDS  EFFECTIVE  RATE"  means  for any day, the rate per
annum  (expressed,  as a decimal, rounded upwards, if necessary,  to  the  next
higher 1/100 of 1%) equal  to  the  weighted  average of the rates on overnight
Federal funds transactions with members of the  Federal Reserve System arranged
by Federal funds brokers on such day, as published  by the Federal Reserve Bank
of New York on the Business Day next succeeding such day; provided, (i) 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 (ii) 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  Administrative  Agent  on  such  day  on  such
transactions as determined by Administrative Agent.

              "FINANCIAL HEDGE AGREEMENT" means an Interest Rate Agreement or a
Currency  Agreement entered into with a Lender Counterparty in order to satisfy
the requirements  of  this  Agreement  or  otherwise  in the ordinary course of
business of Company or any of its Subsidiaries.

             "FINANCIAL  OFFICER  CERTIFICATION"  means, with  respect  to  the
financial   statements   for   which  such  certification  is   required,   the
certification of the chief financial  officer  of  Holdings that such financial
statements fairly present, in all material respects, the financial condition of
Holdings  and its Subsidiaries as at the dates indicated  and  the  results  of
their operations  and  their  cash  flows for the periods indicated, subject to
changes resulting from audit and normal year-end adjustments.

             "FINANCIAL PLAN" as defined in Section 5.1 (h).
                                        -18-
<PAGE>

             "FIRST PRIORITY" means,  with  respect to any Lien purported to be
created in any Collateral pursuant to any Collateral  Document,  that such Lien
is  the  only  Lien  to  which such Collateral is subject, other than Permitted
Liens described in clauses (a) through (n) of Section 6.2.

             "FISCAL QUARTER" means a fiscal quarter of any Fiscal Year.

             "FISCAL YEAR"  means  the fiscal year of Company, which shall be a
period of 52 or 53 weeks, as applicable, ending on the Saturday nearest the end
of each calendar year.

             "FLOOD HAZARD PROPERTY"  means  any Real Estate Asset subject to a
mortgage in favor of Collateral Agent, for the  benefit of Lenders, and located
in  an  area designated by the Federal Emergency Management  Agency  as  having
special flood or mud slide hazards.

             "FOREIGN  SUBSIDIARY"  means any Subsidiary that is not a Domestic
Subsidiary.

             "FUNDING DEFAULT" as defined in Section 2.24.

             "FUNDING GUARANTORS" as defined in Section 7.2.

             "FUNDING NOTICE" means a  notice  substantially  in  the  form  of
Exhibit A-1.

             "GAAP"  means,  subject  to  the  limitations  on  the application
thereof  set forth in Section 1.2, United States generally accepted  accounting
principles.

             "GOVERNMENTAL ACTS" means any act or omission, whether rightful or
wrongful,  of  any  present  or  future  de  jure  or  de  facto  government or
Governmental Authority.

             "GOVERNMENTAL  AUTHORITY"  means  any  federal,  state, municipal,
national  or  other  government,  governmental  department, commission,  board,
bureau, court, agency or instrumentality or political  subdivision  thereof  or
any  entity  or officer exercising executive, legislative, judicial, regulatory
or administrative functions of or pertaining to any government or any court, in
each case whether  associated  with  a  state  of the United States, the United
States, or a foreign entity or government.

             "GOVERNMENTAL   AUTHORIZATION"   means    any   permit,   license,
authorization, plan, directive, consent order or consent  decree of or from any
Governmental Authority.

             "GRANTOR" as defined in the Pledge and Security Agreement.
                                        -19-
<PAGE>

             "GSCP" as defined in the preamble hereto.

             "GUARANTEED OBLIGATIONS" as defined in Section 7.1.

             "GUARANTOR" means each of Holdings and each Domestic Subsidiary of
Holdings (other than Company) from time to time.

             "GUARANTOR SUBSIDIARY" means each Guarantor other than Holdings.

             "GUARANTY"  means  the  guaranty of each Guarantor  set  forth  in
Section 7.

             "HAZARDOUS MATERIALS" means  any  chemical, material or substance,
exposure  to  which  is prohibited, limited or regulated  by  any  Governmental
Authority or which may  or  could pose a hazard to the health and safety of the
owners, occupants or any Persons  in  the  vicinity  of  any Facility or to the
indoor or outdoor environment.

             "HAZARDOUS MATERIALS ACTIVITY" means any past,  current,  proposed
or  threatened activity, event or occurrence involving any Hazardous Materials,
including   the  use,  manufacture,  possession,  storage,  holding,  presence,
existence,  location,   Release,   threatened  Release,  discharge,  placement,
generation,  transportation, processing,  construction,  treatment,  abatement,
removal, remediation,  disposal,  disposition  or  handling  of  any  Hazardous
Materials, and any corrective action or response action with respect to  any of
the foregoing.

             "HIGHEST  LAWFUL RATE" means the maximum lawful interest rate,  if
any, that at any time or  from  time to time may be contracted for, charged, or
received under the laws applicable  to any Lender which are presently in effect
or,  to  the  extent  allowed by law, under  such  applicable  laws  which  may
hereafter be in effect  and  which  allow a higher maximum nonusurious interest
rate than applicable laws now allow.

             "HISTORICAL FINANCIAL STATEMENTS" means as of the Second Amendment
Effective  Date,  (i) the audited financial  statements  of  Holdings  and  its
Subsidiaries, for the  immediately  preceding three Fiscal Years, consisting of
balance sheets and the related consolidated statements of income, stockholders'
equity and cash flows for such Fiscal  Years,  and (ii) the unaudited financial
statements  of  Holdings and its Subsidiaries as at  the  most  recently  ended
Fiscal Quarter, consisting  of  a  balance  sheet  and the related consolidated
statements of income, stockholders' equity and cash  flows for the three-, six-
or nine-month period, as applicable, ending on such date,  and,  in the case of
clauses (i) and (ii), certified by the Chief Financial Officer of Holdings that
they  fairly  present,  in  all  material respects, the financial condition  of
Holdings and its Subsidiaries as at  the  dates  indicated  and  the results of
their  operations  and  their cash flows for the periods indicated, subject  to
changes resulting from audit and normal year-end adjustments.

             "HISTORICAL QUARTER" as defined in Section 6.8(d)(iv) .

             "HOLDINGS" as defined in the preamble hereto.
                                        -20-
<PAGE>

             "INCREASED-COST LENDERS" as defined in Section 2.25.

             "INCREMENTAL REVOLVING CLOSING DATE" as defined in Section 2.4.

             "INCREMENTAL REVOLVING COMMITMENTS" as defined in Section 2.4.

             "INCREMENTAL REVOLVING LENDER" as defined in Section 2.4.

             "INCREMENTAL REVOLVING LOAN" as defined in Section 2.4

             "INCREMENTAL REVOLVING NOTICE" as defined  in Section 2.4.

             "INCREMENTAL  TERM  LOAN"  means  any  Indebtedness  of Company in
respect  of borrowed money ranking pari passu with Company's Obligations  under
this Agreement and incurred by Company pursuant to Section 2.2.

             "INCREMENTAL  TERM  LOAN  CLOSING  DATE"  means  any  Business Day
designated as such in an Incremental Term Loan Notice.

             "INCREMENTAL  TERM  LOAN  EXPOSURE"  means,  with  respect to  any
Lender,  as of any date of determination, the outstanding principal  amount  of
the Incremental Term Loans of such Lender.

             "INCREMENTAL  TERM  LOAN  INSTALLMENT  DATE" as defined in Section
2.14(b).

             "INCREMENTAL TERM LOAN LENDER" means any  Lender  or any financial
institution,  in  each  case, that is a signatory to an Incremental  Term  Loan
Notice in the capacity of an Incremental Term Loan Lender.

             "INCREMENTAL  TERM  LOAN MATURITY DATE" means, with respect to any
Incremental Term Loan to be made pursuant  to any Incremental Term Loan Notice,
the maturity date specified in such Incremental  Term  Loan  Notice, which date
shall be on or after the Term Loan Maturity Date.

             "INCREMENTAL TERM LOAN NOTE" means a promissory note  in  the form
of  Exhibit B-2, as it may be amended, supplemented or otherwise modified  from
time to time.

             "INCREMENTAL  TERM  LOAN  NOTICE"  means  an Incremental Term Loan
Notice substantially in the form of Exhibit A-4.

             "INDEBTEDNESS",   as   applied  to  any  Person,  means,   without
duplication, (i) all indebtedness for  borrowed  money;  (ii) that  portion  of
obligations  with  respect  to  Capital Leases that is properly classified as a
liability on a balance sheet in conformity  with  GAAP; (iii) notes payable and
drafts accepted representing extensions of credit whether  or  not representing
obligations for borrowed money; (iv) any obligation owed for all or any part of
                                        -21-
<PAGE>

the  deferred  purchase  price  of  property  or  services (excluding any  such
obligations incurred under ERISA or any purchase price adjustment under Section
2.9  of  the  Landis  Merger  Agreement  or  Section  2.8 of  the  Kerr  Merger
Agreement), which purchase price is (a) due more than six  months from the date
of incurrence of the obligation in respect thereof or (b) evidenced  by  a note
or similar written instrument; (v) all indebtedness secured by any Lien on  any
property  or  asset  owned  or  held  by  that Person regardless of whether the
indebtedness secured thereby shall have been  assumed  by  that  Person  or  is
nonrecourse to the credit of that Person; (vi) the face amount of any letter of
credit  issued  for  the  account  of that Person or as to which that Person is
otherwise liable for reimbursement of  drawings;  (vii) the  direct or indirect
guaranty, endorsement (otherwise than for collection or deposit in the ordinary
course  of  business  of Company and its Subsidiaries), co-making,  discounting
with recourse or sale with  recourse  by  such  Person  of  the  obligation  of
another;  (viii) any obligation of such Person the primary purpose or intent of
which is to  provide assurance to an obligee that the obligation of the obligor
thereof will be  paid  or discharged, or any agreement relating thereto will be
complied with, or the holders  thereof  will be protected (in whole or in part)
against loss in respect thereof; and (ix)  any liability of such Person for the
obligation of another through any agreement  (contingent  or  otherwise) (a) to
purchase,  repurchase  or  otherwise  acquire  such obligation or any  security
therefor, or to provide funds for the payment or  discharge  of such obligation
(whether in the form of loans, advances, stock purchases, capital contributions
or otherwise) or (b) to maintain the solvency or any balance sheet  item, level
of  income  or  financial condition of another if, in the case of any agreement
described under subclauses (a)  or (b) of this clause (ix), the primary purpose
or  intent  thereof  is  as  described  in  clause (viii)  above;  and  (x) net
obligations of such Person to  a counterparty in respect of any exchange traded
or  over  the counter derivative transaction,  including,  without  limitation,
Financial Hedge  Agreements,  whether  entered  into for hedging or speculative
purposes; provided, in no event shall obligations  under  any  Financial  Hedge
Agreements be deemed "Indebtedness" for any purpose under Section 6.8.

             "INDEMNIFIED   LIABILITIES"   means,  collectively,  any  and  all
liabilities,  obligations,  losses,  damages,  penalties,   claims   (including
Environmental Claims), actions, judgments, suits, costs (including the costs of
any  investigation,  study,  sampling,  testing,  abatement,  cleanup, removal,
remediation or other response action necessary to remove, remediate,  clean  up
or abate any Hazardous Materials Activity), fees, expenses and disbursements of
any  kind or nature whatsoever (including the reasonable fees and disbursements
of counsel for Indemnitees in connection with any investigative, administrative
or judicial  proceeding  commenced  or threatened by any Person, whether or not
any  such Indemnitee shall be designated  as  a  party  or  a  potential  party
thereto,  and  any  fees  or expenses incurred by Indemnitees in enforcing this
indemnity), whether direct,  indirect or consequential and whether based on any
federal,  state or foreign laws,  statutes,  rules  or  regulations  (including
securities   and   commercial   laws,   statutes,   rules  or  regulations  and
Environmental  Laws),  on  common  law or equitable cause  or  on  contract  or
otherwise, that may be imposed on, incurred  by,  or  asserted against any such
Indemnitee, in any manner relating to or arising out of  (i) this  Agreement or
the  other Credit Documents or the transactions contemplated hereby or  thereby
                                        -22-
<PAGE>

(including  Lenders' agreement to make Credit Extensions or the use or intended
use of the proceeds  thereof,  any  enforcement  of any of the Credit Documents
(including any sale of, collection from, or other  realization  upon any of the
Collateral or the enforcement of the Guaranty) or an Issuing Bank's issuance of
any Letter of Credit or its failure to honor a drawing under any such Letter of
Credit as a result of any Governmental Act); (ii) the statements  contained  in
the  commitment  letter delivered by any Lender to Sponsors with respect to the
transactions  contemplated   by  this  Agreement;  or  (iii) any  (a) Hazardous
Materials Activity which can reasonably be expected to result in non-compliance
with,  or  liability  under, Environmental  Laws,  or  (b) Environmental  Claim
relating to or arising  from  any  past  or  present  activity, operation, land
ownership, or practice of Holdings or any of its Subsidiaries.

             "INDEMNITEE" as defined in Section 10.3.

             "INTERCOMPANY SUBORDINATION AGREEMENT" means  an  agreement in the
form of Exhibit L.

             "INTEREST COVERAGE RATIO" means the ratio as of the  last  day  of
any  Fiscal  Quarter  of  (i) Consolidated  Adjusted EBITDA for the four-Fiscal
Quarter period then ended, to (ii) Consolidated  Cash Interest Expense for such
four-Fiscal Quarter period.

             "INTEREST PAYMENT DATE" means with respect  to  (i) any  Base Rate
Loan,  each  March 31,  June 30,  September 30  and  December 31  of each year,
commencing on the first such date to occur after the Original Closing Date, and
the  final maturity date of such Loan; and (ii) any Eurodollar Rate  Loan,  the
last day of each Interest Period applicable to such Loan; provided, in the case
of each  Interest  Period  of  longer than three months "Interest Payment Date"
shall also include each date that  is  three  months,  or  an integral multiple
thereof, after the commencement of such Interest Period.

             "INTEREST  PERIOD"  means,  in  connection with a Eurodollar  Rate
Loan, an interest period of one-, two-, three-  or  six-months,  as selected by
Company  in  the  applicable Funding Notice or Conversion/Continuation  Notice,
(i) initially, commencing  on  the  Credit Date or Conversion/Continuation Date
thereof, as the case may be; and (ii) thereafter,  commencing  on  the  day  on
which  the  immediately  preceding Interest Period expires; provided, (a) if an
Interest Period would otherwise  expire  on  a  day that is not a Business Day,
such Interest Period shall expire on the next succeeding Business Day unless no
further Business Day occurs in such month, in which  case  such Interest Period
shall expire on the immediately preceding Business Day; (b) any Interest Period
that begins on the last Business Day of a calendar month (or on a day for which
there is no numerically corresponding day in the calendar month  at  the end of
such Interest Period) shall, subject to clause (c) of this definition,  end  on
the  last Business Day of a calendar month; (c) no Interest Period with respect
to any  portion  of  any  Term Loans shall extend beyond the Term Loan Maturity
Date and (d) no Interest Period  with  respect  to any portion of the Revolving
Loans shall extend beyond the Revolving Commitment Termination Date.
                                        -23-
<PAGE>

             "INTEREST RATE AGREEMENT" means any  interest  rate swap agreement
(including any fixed rate or floating rate swap agreement), interest  rate  cap
agreement,  interest  rate collar agreement, interest rate hedging agreement or
other similar agreement  or  arrangement,  each  of which is for the purpose of
hedging  the  interest  rate  exposure  associated  with   Holdings'   and  its
Subsidiaries' operations and not for speculative purposes.

             "INTEREST  RATE  DETERMINATION  DATE"  means,  with respect to any
Interest Period, the date that is two Business Days prior to  the  first day of
such Interest Period.

             "INTERNAL REVENUE CODE" means the Internal Revenue Code  of  1986,
as  amended  to  the  date  hereof  and  from  time  to time hereafter, and any
successor statute.

             "INVESTMENT"   means   any  (i)  purchase  or  other   acquisition
(including pursuant to any merger) of  the Capital Stock or other Securities of
any Person, or any beneficial interest therein  or  (ii) loan, advance, capital
contribution  to,  or  any  other  investment in, any Person  (other  than  the
purchase of current accounts receivable  arising  in  the  ordinary  course  of
business  of Company and its Subsidiaries).  The amount of any Investment shall
be equal to  the  sum of (a) the original cost of such Investment, plus (b) the
cost of all additions thereto, minus (c) any cash proceeds from the disposition
of or other cash distributions  on  such Investment to the extent such proceeds
or  distributions  do  not  constitute Consolidated  Net  Income,  without  any
adjustments for increases or  decreases  in  value or write-ups, write-downs or
write-offs with respect to such Investment, provided  that  the  amount  of any
Investment shall not be less than zero.

             "IPO"  shall  mean  the  first  underwritten  public  offering  by
Holdings  of  its  Capital  Stock  after  the  Second  Amendment Effective Date
pursuant to a registration statement that has been declared  effective  by  the
United States Securities and Exchange Commission.

             "ISSUANCE  NOTICE"  means  an Issuance Notice substantially in the
form of Exhibit A-3.

             "ISSUING BANK" shall mean, as  the  context may require, (a) Fleet
National Bank, solely with respect to Existing Letters  of  Credit or the roll-
over  of  such  Existing  Letters  of  Credit  issued by it, (b) DBTCA  (or  an
Affiliate thereof), with respect to Letters of Credit  issued  by  it;  (c) any
other  Lender  that  may become an Issuing Bank pursuant to Section 2.5(i) with
respect to Letters of Credit issued by such Lender; or (d) collectively, all of
the foregoing; provided  however  that  DBTCA shall have no obligation to issue
commercial Letters of Credit, but DBTCA shall  use  reasonable efforts to cause
an Affiliate of DBTCA to issue any commercial Letters of Credit.
                                        -24-
<PAGE>

             "JOINDER AGREEMENT" means an agreement substantially  in  the form
of Exhibit M.

             "JOINT  VENTURE"  means  a  joint  venture,  partnership  or other
similar  arrangement,  whether  in  corporate, partnership or other legal form;
provided, in no event shall any Subsidiary  of any Person be considered a Joint
Venture to which such Person is a party.

             "JPMCB" as defined in the preamble hereto.

             "KERR" means Kerr Group, Inc., a Delaware corporation.

             "KERR ACQUISITION" as defined in the preamble hereto.

             "KERR ACQUISITION DOCUMENTS" means  the  Kerr Merger Agreement and
any other agreements, instruments and other documents delivered  in  connection
with the Kerr Acquisition, including, without limitation, any leases in respect
of Material Real Estate Assets.

               "KERR  ACQUISITION  FINANCING  REQUIREMENTS" means the aggregate
amount  necessary  to  pay (i) the Cash portion of  the  consideration  due  to
shareholders of Kerr under  the  Kerr  Merger  Agreement,  (ii)  the  costs  of
prepaying,   redeeming   or   purchasing  the  Indebtedness  of  Kerr  and  its
Subsidiaries to be paid on or prior  to the Second Amendment Effective Date and
(iii) Transaction Costs, in each of cases  (i),  (ii)  and  (iii) in accordance
with the Kerr Merger Agreement.

             "KERR MERGER AGREEMENT" as defined in the recitals hereto.

             "KERR  SELLERS"  means,  collectively,  sellers  listed   on   the
signature  pages  to the Kerr Merger Agreement and Fremont Acquisition Company,
L.L.C., in their capacity as sellers under the Kerr Merger Agreement.

             "LANDIS" means Landis Plastics, Inc., an Illinois corporation.

             "LANDIS  ACQUISITION"  means  the acquisition by Company of Landis
pursuant to the Landis Merger Agreement.

             "LANDIS ACQUISITION CLOSING DATE" means November 10, 2003.

             "LANDIS ACQUISITION DOCUMENTS"  means  the Landis Merger Agreement
and  any  other  agreements,  instruments  and  other  documents  delivered  in
connection  with  the  Landis Acquisition, including, without  limitation,  any
leases in respect of Material Real Estate Assets.

             "LANDIS ACQUISITION  LEASEHOLD  PROPERTY" means each of the Alsip-
Main, IL, Alsip-North, IL, Geddes, NY and Phoenix,  AZ  properties to be leased
                                        -25-
<PAGE>

pursuant  to  that  certain  Lease  Agreement,  to be dated as  of  the  Landis
Acquisition Closing Date, between BRY-PL (DE) Limited  Partnership,  a Delaware
limited partnership, as Landlord, and Landis, as tenant.

             "LANDIS  ACQUISITION  FINANCING  REQUIREMENTS" means the aggregate
amount  necessary  to  pay (i) the Cash portion of  the  consideration  due  to
shareholders of Landis under  the  Landis  Merger  Agreement, (ii) the costs of
prepaying, redeeming or purchasing the Indebtedness  of Landis to be paid on or
prior  to  the  Landis  Acquisition Closing Date and (iii)  Landis  Acquisition
Transaction Costs, in each  of cases (i), (ii) and (iii) in accordance with the
Landis Merger Agreement.

             "LANDIS  ACQUISITION   SENIOR  SUBORDINATED  NOTES"  means  Senior
Subordinated  Notes  in an aggregate principal  amount  of  $85,000,000  issued
pursuant to the Senior Subordinated Notes Indenture, the proceeds of which were
used to finance Landis Acquisition Financing Requirements.

             "LANDIS ACQUISITION  TRANSACTION COSTS" means (a) the write-off of
deferred financing costs capitalized  in  connection with the entering into the
Original Agreement and (b) the fees, costs  and  expenses  payable by Holdings,
Company  or  any of Company's Subsidiaries on or before the Landis  Acquisition
Closing Date in  connection  with  the  transactions contemplated by the Credit
Documents and the Landis Merger Agreement, which fees, costs and expenses under
clause (b) hereof shall not exceed $12,000,000.

             "LANDIS MERGER AGREEMENT" means  an  agreement  and plan of merger
dated October 15, 2003 by and among Company, Merger Sub (as defined in the 2003
Credit  Agreement),  Landis, all shareholders of Landis and the  other  parties
thereto, which provides  for the merger of Landis with and into Merger Sub with
Landis being the surviving corporation.

             "LANDLORD'S CONSENT, ESTOPPEL CERTIFICATE AND AMENDMENT" means (a)
with  respect  to each Landis  Acquisition  Leasehold  Property,  an  agreement
substantially in  the  form of the draft Landlord's Acknowledgment and Consent,
draft dated November 10,  2003,  from  BRY-PL  (DE) Limited Partnership and (b)
with respect to any other Leasehold Property, an agreement substantially in the
form  of  Exhibit K,  in  each of cases (a) and (b)  with  such  amendments  or
modifications as may be approved by Collateral Agent.

             "LEASEHOLD PROPERTY"  means  any  leasehold interest of any Credit
Party as lessee under any lease of real property.

             "LENDER" means each financial institution  listed on the signature
pages to the Existing Agreement or to the Amendment as a Lender, any additional
financial  institution  or  Person that becomes or has become  a  party  hereto
pursuant to a New Lender Supplement  and  any  other Person that becomes or has
                                        -26-
<PAGE>

become  a  party  hereto  pursuant  to an Assignment  Agreement  or  a  Joinder
Agreement, including any Lender in its capacity as Swing Line Lender or Issuing
Bank.

             "LENDER COUNTERPARTY" means  each  Lender  or  any  Affiliate of a
Lender   counterparty   to  a  Financial  Hedge  Agreement  including,  without
limitation, each such Affiliate  that  enters into a Joinder Agreement with the
Collateral Agent.

             "LENDER EFFECTIVE DATE" means  (i) in  the  case  of  each  Lender
already  a party to the Existing Agreement, the date such Lender became a party
to the Existing  Agreement,  (ii)  in  the  case  of  each Lender listed on the
signature  pages  to  the  Amendment but not already a party  to  the  Existing
Agreement, the Second Amendment  Effective  Date, and (iii) in the case of each
other Lender, the effective date of the Assignment  Agreement pursuant to which
such Lender became a Lender.

             "LETTER OF CREDIT" means a commercial or  standby letter of credit
issued or to be issued by an Issuing Bank pursuant to this Agreement.

             "LETTER OF CREDIT DISBURSEMENT" means a payment made by an Issuing
Bank pursuant to a Letter of Credit.

             "LETTER OF CREDIT EXPOSURE" means the aggregate  Letter  of Credit
Usage  in  respect  of all Letters of Credit issued by that Lender (net of  any
participations by Lenders in such Letters of Credit.

             "LETTER  OF  CREDIT  SUBLIMIT" means the lesser of (i) $35,000,000
and (ii) the aggregate unused amount  of  the  Revolving  Commitments  then  in
effect.

             "LETTER  OF  CREDIT USAGE" means, as at any date of determination,
the sum of (i) the maximum aggregate amount which is, or at any time thereafter
may become, available for drawing under all Letters of Credit then outstanding,
and (ii) the aggregate amount  of  all drawings under Letters of Credit honored
by an Issuing Bank and not theretofore reimbursed by or on behalf of Company.

             "LEVERAGE RATIO" means  the ratio as of the last day of any Fiscal
Quarter or other date of determination  of  (i) Consolidated  Total  Debt as of
such  day  (net  of  Cash and Cash Equivalents of Holdings and its Subsidiaries
held in accounts in which  Holdings  or  such Subsidiary has granted a Lien for
the benefit of the Secured Parties pursuant to a control agreement in an amount
not  to  exceed  $15,000,000)  to (ii) Consolidated  Adjusted  EBITDA  for  the
four-Fiscal  Quarter  period  ending   on   such  date  (or  if  such  date  of
determination is not the last of a Fiscal Quarter, for the four-Fiscal Quarters
period ending as of the most recently concluded Fiscal Quarter).

             "LIEN" means (i) any lien, mortgage,  pledge, assignment, security
interest, charge or encumbrance of any kind (including  any  agreement  to give
any  of the foregoing, any conditional sale or other title retention agreement,
and  any  lease  in  the  nature  thereof)  and  any  option,  trust  or  other
preferential  arrangement  having  the practical effect of any of the foregoing
                                        -27-
<PAGE>

and (ii) in the case of Securities,  any purchase option, call or similar right
of a third party with respect to such Securities.

             "LOAN" means a Term Loan, a Swing Line Loan, a Revolving Loan, and
an Incremental Term Loan.

             "MARGIN  STOCK"  as  defined  in  Regulation U  of  the  Board  of
Governors of the Federal Reserve System as in effect from time to time.

             "MATERIAL ADVERSE EFFECT"  means  a  material  adverse  effect  on
and/or   material  adverse  developments  with  respect  to  (i) the  business,
operations, properties, assets, condition (financial or otherwise) or prospects
of Holdings  and  its  Subsidiaries,  taken as a whole; (ii) the ability of the
Credit Parties, taken as a whole, to fully  and timely perform the Obligations;
(iii) the legality, validity, binding effect  or  enforceability  of any Credit
Document  against  the Credit Parties, taken as a whole, or the Collateral;  or
(iv) the rights, remedies  and  benefits  available  to, or conferred upon, any
Agent,  Lender  or Secured Party under any Credit Document;  provided,  however
that for purposes  of  satisfying  the conditions set forth in Sections 3.2 and
3.4  of  this Agreement on the Second  Amendment  Effective  Date  solely  with
respect to  the  representation  given  in  Section  4.10  of  this  Agreement,
"Material  Adverse Effect" means there shall not have been, since December  31,
2004, any state  of facts, circumstance, change, development, effect, condition
or occurrence that,  individually  or  in the aggregate, has a material adverse
change in, or effect on, the financial condition, business, assets, liabilities
or  results  of operations of Kerr and its  Subsidiaries,  taken  as  a  whole;
provided, that  the  following  shall be excluded from this determination:  (I)
any state of facts, circumstance,  change,  development,  effect,  condition or
occurrence relating to (x) the economy or financial markets in general  or  (y)
the  industries  and  markets  in  which  Kerr  and  its  Subsidiaries  operate
generally,  (II)  the  entry  into,  announcement  and consummation of the Kerr
Merger Agreement or all the transactions provided for  or  contemplated  by the
Kerr Merger Agreement and any actions taken pursuant to and in compliance  with
the  Kerr  Merger  Agreement  and  (III)  changes in GAAP or any constitutional
provision, law, statute, rule, regulation,  ordinance,  treaty,  order, decree,
judgment, decision, certificate, holding, injunction, enforceable  at law or in
equity,  along  with  the  interpretation  and  administration  thereof by  any
federal,  state,  local  or  foreign  court,  arbitral tribunal, administrative
agency  or commission or other governmental or other  regulatory  authority  or
agency charged  with  the  interpretation or administration thereof, but in the
case of clauses (I) and (III)  above,  solely  to  the  extent that such facts,
circumstances, changes, developments, effects, conditions  and  occurrences  do
not   specifically   relate  to  or  disproportionately  affect  Kerr  and  its
Subsidiaries, taken as a whole.

             "MATERIAL  REAL  ESTATE  ASSET"  means  (i) (a) any fee-owned Real
Estate Asset having a fair market value in excess of $1,000,000  as of the date
of  the  acquisition thereof and (b) all Leasehold Properties (x) used  in  the
operation   of  material  production  facilities  of  Company  or  any  of  its
Subsidiaries  or  (y) with respect to which the aggregate rental payments under
the term of the applicable  lease  exceed $1,000,000 per annum or (ii) any Real
                                        -28-
<PAGE>

Estate Asset that the Requisite Lenders  have  determined  is  material  to the
business, operations, properties, assets, condition (financial or otherwise) or
prospects of Holdings and its Subsidiaries, taken as a whole.

             "MOODY'S" means Moody's Investor Services, Inc.

             "MORTGAGE"   means   a  mortgage  substantially  in  the  form  of
Exhibit J, as it may be amended, supplemented  or  otherwise modified from time
to time.

             "MORTGAGE    MODIFICATION"   means   a   modification    agreement
substantially in the form of  Exhibit P with respect to each Mortgage in effect
on the Second Amendment Effective  Date,  which will be executed by each Credit
Party that executed a Mortgage on or prior  to  the  Second Amendment Effective
Date.

              "MULTIEMPLOYER PLAN" means any Employee  Benefit  Plan which is a
"multiemployer plan" as defined in Section 3(37) of ERISA.

             "NAIC"  means The National Association of Insurance Commissioners,
and any successor thereto.

             "NARRATIVE REPORT" means, with respect to the financial statements
for which such narrative  report is required, a narrative report describing the
operations  of  Holdings  and   its  Subsidiaries  in  the  form  prepared  for
presentation to senior management  thereof for the applicable Fiscal Quarter or
Fiscal Year and for the period from  the  beginning  of the then current Fiscal
Year to the end of such period to which such financial statements relate.

             "NET ASSET SALE PROCEEDS" means, with respect  to  any Asset Sale,
an amount equal to:  (i) Cash payments (including any Cash received  by  way of
deferred  payment  pursuant  to,  or  by  monetization of, a note receivable or
otherwise, but only as and when so received) received by Holdings or any of its
Subsidiaries from such Asset Sale, minus (ii) any  bona  fide  direct costs and
expenses incurred in connection with such Asset Sale, including  (a) income  or
gains  taxes  payable  by  the  seller  as  a  result of any gain recognized in
connection  with  such  Asset Sale, (b) payment of  the  outstanding  principal
amount of, premium or penalty,  if any, and interest on any Indebtedness (other
than the Loans) that is secured by  a  Lien  on the stock or assets in question
and that is required to be repaid under the terms  thereof  as a result of such
Asset Sale, (c) a reasonable reserve for any indemnification payments (fixed or
contingent)  attributable  to  seller's  indemnities  and  representations  and
warranties to purchaser in respect of such Asset Sale undertaken by Holdings or
any of its Subsidiaries in connection with such Asset Sale,  and (d) reasonable
brokerage or selling commissions and fees and expenses of professional advisors
and any title and recordation expenses.

             "NET  CURRENT  ASSETS"  means, for any Person as at  any  date  of
determination, the difference (which may  be a negative number) between (i) the
total assets of such Person that may properly  be  classified as current assets
                                        -29-
<PAGE>

in conformity with GAAP, excluding Cash and Cash Equivalents,  minus  (ii)  the
total  liabilities  of  such  Person that may properly be classified as current
liabilities in conformity with GAAP, excluding the current portion of long term
debt.

             "NET INSURANCE/CONDEMNATION  PROCEEDS"  means  an amount equal to:
(i) any  Cash  payments  or  proceeds  received  by  Holdings  or  any  of  its
Subsidiaries (a) under any insurance policy insuring against loss or  damage to
assets and property used in the business of Holdings or its Subsidiaries (other
than proceeds of business interruption insurance or any other insurance  policy
to  the  extent  such coverage compensates Company or its Subsidiaries for lost
revenue or profits)  or (b) as a result of the taking of any assets of Holdings
or any of its Subsidiaries  by  any  Person  pursuant  to  the power of eminent
domain, condemnation or otherwise, or pursuant to a sale of  any such assets to
a purchaser with such power under threat of such a taking, minus  (ii) (a) bona
fide  direct reasonable costs and expenses incurred by Holdings or any  of  its
Subsidiaries  in  connection with the adjustment or settlement of any claims of
Holdings or such Subsidiary  in  respect thereof (including reasonable fees and
expenses of professional advisors),  (b)  contractually  required  payments  of
Surviving  Capital  Leases,  Surviving  IRBs  and  Indebtedness  incurred under
Sections 6.1(g),  6.1(h),  6.1(j)  and  6.1(k),  in  each  case,  to the extent
incurred to finance the acquisition of property subject to such loss, taking or
sale,  and  (c)  any bona fide direct costs and expenses incurred in connection
with  any  sale of such  assets  as  referred  to  in  clause  (i)(b)  of  this
definition,  including  income taxes payable as a result of any gain recognized
in connection therewith, reasonable fees and expenses of professional advisors,
title and recordation expenses and reasonable indemnification reserves.

             "NEW LENDER"  means  any financial institution or other Person, in
each case, not a party to this Agreement,  which,  with  the consent of Company
and  Administrative  Agent (which consent shall not be unreasonably  withheld),
executes a New Lender  Supplement,  whereupon such Person shall become a Lender
for all purposes and to the same extent  as  if  originally  a party hereto and
shall  be  bound by and entitled to the benefits of this Agreement,  except  as
otherwise specifically provided herein.

             "NEW   LENDER   SUPPLEMENT"   means   a   New   Lender  Supplement
substantially in the form of Exhibit N.

             "NEW TERM LOAN" means a term loan made by a Lender  on  the Second
Amendment Effective Date pursuant to Section 2.1(a) hereof.

             "NEW  TERM  LOAN  COMMITMENT" means the commitment of a Lender  to
make or otherwise fund a New Term  Loan  on the Second Amendment Effective Date
and "NEW TERM LOAN COMMITMENTS" means such  commitments  of all such Lenders in
the aggregate.  The amount of each Lender's New Term Loan  Commitment,  if any,
is  set forth on Appendix A-2 hereto or in the applicable Assignment Agreement,
subject  to  any  adjustment  or reduction pursuant to the terms and conditions
hereof.  The aggregate amount of  the  New  Term Loan Commitments on the Second
Amendment Effective Date is $465,051,437.50.
                                        -30-
<PAGE>

             "NON-CONSENTING LENDER" as defined in Section 2.25.

             "NON-US LENDER" as defined in Section 2.22(c).

             "NOTE" means a Term Loan Note, a  Swing  Line Note, an Incremental
Term Loan Note or a Revolving Loan Note.

             "NOTICE"  means  a  Funding  Notice,  an  Issuance  Notice,  or  a
Conversion/Continuation Notice.

             "OBLIGATIONS" means all obligations of every nature of each Credit
Party  from  time  to  time owed to the Agents (including former  Agents),  the
Lenders or any Lender Counterparties,  under  any  Credit Document or Financial
Hedge Agreement (including, without limitation, with  respect  to  a  Financial
Hedge Agreement, obligations owed thereunder to any person who was a Lender  or
an Affiliate of a Lender at the time such Financial Hedge Agreement was entered
into),  whether  for principal, interest (including interest which, but for the
filing of a petition  in  bankruptcy  with  respect to such Credit Party, would
have accrued on any Obligation, whether or not  a claim is allowed against such
Credit  Party  for  such  interest  in  the  related  bankruptcy   proceeding),
reimbursement  of  amounts  drawn  under Letters of Credit, payments for  early
termination of Financial Hedge Agreements,  fees,  expenses, indemnification or
otherwise  and  all  Obligations  of  each  Credit  Party  under  the  Original
Agreement,  the 2003 Credit Agreement, or the Existing Agreement  that  survive
the amendment  and  restatement  thereof in accordance with its terms.  For the
avoidance of doubt, Incremental Term  Loans  and  Incremental  Revolving  Loans
incurred  pursuant  to  Section  2.2  and  Section  2.4,  respectively, of this
Agreement shall constitute Obligations.

             "OBLIGEE GUARANTOR" as defined in Section 7.7.

             "ORIGINAL  AGREEMENT"  means  the  Credit and Guaranty  Agreement,
dated  as  of  July 22, 2002, by and among Holdings,  certain  Subsidiaries  of
Company as Guarantors, the Agents and various Lenders.

             "ORIGINAL CLOSING DATE" means July 22, 2002, the date on which the
Term Loans (as defined  in the Original Agreement) were made under the Original
Agreement.

             "ORIGINAL CLOSING DATE CERTIFICATE" means an Original Closing Date
Certificate substantially in the form of Exhibit G-1.

             "ORIGINAL CLOSING  DATE  SOLVENCY  CERTIFICATE"  means  a Solvency
Certificate  of  the  Chief Financial Officer of Holdings substantially in  the
form of Exhibit G-2.
                                        -31-
<PAGE>

             "ORIGINAL CLOSING DATE MORTGAGED PROPERTY" as defined in
Section 3.1(1).

             "ORIGINAL TITLE POLICY" as defined in Section 3.1(l).

             "ORGANIZATIONAL   DOCUMENTS"   means   (i) with   respect  to  any
corporation,  its certificate or articles of incorporation or organization,  as
amended,  and its  by-laws,  as  amended,  (ii) with  respect  to  any  limited
partnership,  its  certificate  of  limited  partnership,  as  amended, and its
partnership   agreement,   as   amended,  (iii) with  respect  to  any  general
partnership, its partnership agreement,  as  amended,  and (iv) with respect to
any limited liability company, its articles of organization,  as  amended,  and
its  operating  agreement,  as  amended.  In the event any term or condition of
this  Agreement  or  any  other Credit  Document  requires  any  Organizational
Document to be certified by  a  secretary  of  state  or  similar  governmental
official, the reference to any such "Organizational Document" shall  only be to
a document of a type customarily certified by such governmental official.

             "ORIGINAL  TRANSACTION  COSTS"  means the fees, costs and expenses
payable by Holdings, Company or any of Company's  Subsidiaries on or before the
Original Closing Date in connection with the transactions  contemplated  by the
Credit Documents and the Related Agreements.

             "PBGC"  means  the  Pension  Benefit  Guaranty  Corporation or any
successor thereto.

             "PENSION  PLAN"  means  any  Employee Benefit Plan, other  than  a
Multiemployer Plan, which is subject to Section  412  of  the  Internal Revenue
Code or Section 302 of ERISA.

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

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

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

                    (iii) in  the case of the acquisition of Capital  Stock  of
       any Person, (A) at least  80%  on a fully-diluted basis of each class of
       the Capital Stock acquired or otherwise  issued  by  such  Person or any
       newly  formed  Subsidiary of Company in connection with such acquisition
       shall be owned beneficially  and  as  of  record by Company or a Wholly-
       Owned Guarantor Subsidiary thereof, and all  other  such  Capital  Stock
                                        -32-
<PAGE>

       shall  be  owned  beneficially and as of record by one or more officers,
       directors, employees  or  founders of such Person, and (B) Company shall
       have taken, or caused to be  taken, as of the date such Person becomes a
       Subsidiary, each of the actions  set  forth  in  Sections 5.10 and/or
       5.11, as applicable;

                    (iv)  Holdings  and its Subsidiaries shall be in compliance
       with the financial covenants set forth in Section 6.8 as of the later of
       (x) March  30,  2002  and  (y) the last day of the  most  recent  Fiscal
       Quarter for which quarterly  financial statements have been delivered to
       the Lenders pursuant to Section 5.1(a), on a pro forma basis after
       giving effect to the Permitted Acquisition as a Subject  Transaction  in
       accordance with Section 6.8 (disregarding  any  increase in Consolidated
       Adjusted  EBITDA  as  of  such  last  day that was attributable  to  the
       application of the proceeds of the exercise of a Cure Right with respect
       to any fiscal quarter during the four fiscal  quarter  period  ended  on
       such last day);

                    (v)   Company  shall have delivered to Administrative Agent
       (for distribution to each Lender  upon  request)  at  least ten Business
       Days prior to such proposed acquisition:

                          (A)    solely  in  the  case  of  an  acquisition  in
             respect  of  which  the  aggregate amount of Permitted Acquisition
             Expenses exceed $20,000,000,  a  Compliance Certificate evidencing
             compliance with Section 6.8 as required under clause (iv) above;

                          (B)    a certificate  of  the Chief Financial Officer
             of Holdings certifying that the unused and  available  portion  of
             Revolving  Commitments  will  exceed $30,000,000 as of the date of
             the consummation of such acquisition, after giving effect thereto;

                          (C)    all  relevant   financial   information   with
             respect  to  such  acquired assets, including, without limitation,
             the aggregate consideration  for  such  acquisition  and any other
             information   required   to   demonstrate   compliance  with  this
             Agreement; and

                          (D)    such information and due  diligence  materials
             relating  to  environmental  matters  as  may  be  required  under
             Section 5.9(a)(iv) or  as  may  be  otherwise  reasonably
             requested by the Administrative Agent; and

                    (vi)  any Person, assets or business line, unit or division
       as acquired in accordance herewith shall be in a business  or  lines  of
       business permitted for Company under Section 6.12; and
                                        -33-
<PAGE>

                    (vii) in  the case of a direct or indirect acquisition of a
       Foreign  Subsidiary or any  assets,  business  line,  unit  or  division
       located outside the United States of America, on a pro forma basis after
       giving effect  to  such  acquisition  as  of  the last day of the Fiscal
       Quarter recently ended, Domestic Subsidiaries account  for  (A) at least
       80%  of  the  consolidated  assets  of Holdings and its Subsidiaries  of
       Holdings (including Company) as of the  last  day  of the Fiscal Quarter
       recently  ended  and  (B) at least 80% of the consolidated  revenues  of
       Holdings and its Subsidiaries  for  the  last  four full Fiscal Quarters
       recently ended;

provided, no acquisition of assets, Capital Stock, a business line or unit or a
division  of  any Person shall constitute a Permitted Acquisition  unless  made
with the consent of such Person's board of directors or similar governing body.

             "PERMITTED ACQUISITION EXPENSES" means Cash (a) consideration paid
by Company or any  of  its wholly-owned Subsidiaries to acquire assets, Capital
Stock or a business line  or  unit  or  division in connection with a Permitted
Acquisition made in accordance with Section 6.9(d),(b) bona fide direct costs
and expenses incurred as a result of a Permitted Acquisition  (including  costs
and expenses related to the shutdown of facilities and employee severance)  to
the extent  such  costs and expenses (i) are capitalized as part of the cost of
the Permitted Acquisition  in the consolidated financial statements of Holdings
and (ii) are paid by Company  or  its  Subsidiaries  no more than 180 days from
the date of such Permitted Acquisition, and (c) bona fide direct costs and
expenses paid  in  connection  with  such  Permitted Acquisition,  including
reasonable brokerage or selling commissions and fees and expenses of
professional advisors and any title and recordation expenses,  provided, no
Restricted Junior Payment shall constitute a Permitted Acquisition Expense.
For the avoidance of doubt, Kerr  Acquisition  Financing  Requirements  shall
be deemed  to  be  Permitted Acquisition Expenses.

             "PERMITTED  ADJUSTMENTS"  means,  with  respect   to  any  Subject
Transactions,  pro forma adjustments arising out of events which  are  directly
attributable to  such  Subject  Transactions, are factually supportable and are
expected  to  have  a  continuing impact,  which  would  include  cost  savings
resulting  from  head  count  reduction,  closure  of  facilities  and  similar
restructuring charges and  raw material and other cost savings, which pro forma
adjustments are certified by  the Chief Financial Officer of Holdings and which
are determined (i) on a basis consistent  with  Article  11  of  Regulation S-X
promulgated  under  the Securities Act and as interpreted by the staff  of  the
Securities and Exchange Commission or (ii) solely in the case of additional pro
forma adjustments to  Consolidated  Adjusted EBITDA in an aggregate amount (for
all Subject Transactions during the period  of  determination and together with
any adjustments to Consolidated Adjusted EBITDA pursuant  to Section 6.8(d)(ii)
for  the  same  period)  not to exceed 7.5% of pro forma Consolidated  Adjusted
EBITDA (as reformulated) for  the  period  of  determination  (disregarding any
increase  in  Consolidated  Adjusted  EBITDA  that  was  attributable   to  the
application of the proceeds of the exercise of a Cure Right with respect to any
Fiscal  Quarter  during  a four Fiscal Quarter period ended on the last day  of
such Fiscal Quarter), on such  other  basis  as  may  be certified by the Chief
Financial Officer of Holdings to be in compliance with the requirements of this
definition.
                                        -34-
<PAGE>

             "PERMITTED  CURE  SECURITIES"  means  shares of  common  stock  of
Holdings.

             "PERMITTED LIENS" means each of the Liens  permitted  pursuant  to
Section 6.2.

             "PERSON" means and includes natural persons, corporations, limited
partnerships,   general  partnerships,  limited  liability  companies,  limited
liability partnerships,  joint  stock  companies, Joint Ventures, associations,
companies, trusts, banks, trust companies,  land  trusts,  business  trusts  or
other   organizations,   whether   or  not  legal  entities,  and  Governmental
Authorities.

             "PLEDGE AND SECURITY AGREEMENT"  means  the  Pledge  and  Security
Agreement  executed by Company and each Guarantor substantially in the form  of
Exhibit I, as  it  may be amended, supplemented or otherwise modified from time
to time.

             "PRIME  RATE"  means  the  rate  of  interest per annum that DBTCA
announces from time to time as its prime lending rate,  as  in effect from time
to time.  The Prime Rate is a reference rate and does not necessarily represent
the lowest or best rate actually charged to any customer.  DBTCA  or  any other
Lender may make commercial loans or other loans at rates of interest at,  above
or below the Prime Rate.

             "PRINCIPAL  OFFICE"  means,  for each of Administrative Agent, Co-
Syndication  Agents, Swing Line Lender and each  Issuing  Bank,  such  Person's
"Principal Office"  as  set  forth  on Appendix B, or such other office as such
Person may from time to time designate  in  writing  to Company, Administrative
Agent and each Lender.

             "PROJECTIONS" as defined in Section 4.9.

             "PRO  RATA  SHARE"  means  (i) with  respect  to   all   payments,
computations  and  other  matters relating to the Term Loan of any Lender,  the
percentage obtained by dividing  (a) the  Term  Loan Exposure of that Lender by
(b) the aggregate Term Loan Exposure of all Lenders;  (ii) with  respect to all
payments,  computations and other matters relating to the Revolving  Commitment
or  Revolving  Loans  of  any  Lender  or  any  Letters  of  Credit  issued  or
participations  purchased  therein  by  any Lender or any participations in any
Swing Line Loans purchased by any Lender,  the  percentage obtained by dividing
(a) the  Revolving  Exposure  of  that  Lender by (b) the  aggregate  Revolving
Exposure of all Lenders; and (iv) with respect  to  all  payments, computations
and  other matters relating to the Incremental Term Loans of  any  Lender,  the
percentage  obtained by dividing (a) the Incremental Term Loan Exposure of that
Lender by (b) the aggregate Incremental Term Loan Exposure of all Lenders.  For
all other purposes  with  respect  to  each  Lender, "Pro Rata Share" means the
percentage obtained by dividing (A) an amount equal to the sum of the Term Loan
                                        -35-
<PAGE>

Exposure, the Revolving Exposure and the Incremental Term Loan Exposure of that
Lender, by (B) an amount equal to the sum of the  aggregate Term Loan Exposure,
the  aggregate  Revolving  Exposure, and the aggregate  Incremental  Term  Loan
Exposure of all Lenders.

             "REAFFIRMATION  AND COUNTERPART AGREEMENT" means the Reaffirmation
and  Counterpart  Agreement  to be  executed  by  Company  and  each  Guarantor
substantially in the form of Exhibit O.

             "REAL ESTATE ASSET"  means,  at  any  time  of  determination, any
interest (fee, leasehold or otherwise) then owned by any Credit  Party  in  any
real property.

             "RECORD  DOCUMENT"  means, with respect to any Leasehold Property,
(i) the  lease evidencing such Leasehold  Property  or  a  memorandum  thereof,
executed and  acknowledged  by  the  owner  of  the  affected real property, as
lessor, or (ii) if such Leasehold Property was acquired  or  subleased from the
holder of a Recorded Leasehold Interest, the applicable assignment  or sublease
document,  executed  and  acknowledged  by  such  holder,  in each case in form
sufficient to give such constructive notice upon recordation  and  otherwise in
form reasonably satisfactory to Collateral Agent.

             "RECORDED  LEASEHOLD  INTEREST"  means  a Leasehold Property  with
respect to which a Record Document has been recorded in all places necessary or
desirable, in Administrative Agent's reasonable judgment,  to give constructive
notice of such Leasehold Property to third-party purchasers  and  encumbrancers
of the affected real property.

             "REFINANCING  COSTS" means reasonable costs and expenses  incurred
by Company prior to the Second  Amendment Effective Date in connection with the
preparation, execution and delivery of this Agreement and related documents.

             "REFUNDED SWING LINE LOANS" as defined in Section 2.6(b)(iv).

             "REGISTER" as defined in Section 2.9(b).

             "REGULATION D" means Regulation D of the Board of Governors of the
Federal Reserve System, as in effect from time to time.

             "RELATED  AGREEMENTS"   means,   collectively,   the  2002  Merger
Agreement and the Senior Subordinated Note Documents.

             "RELATED  FUND"  means,  with  respect  to any Lender that  is  an
investment fund, any other investment fund that invests in commercial loans and
that is managed or advised by the same investment advisor  as such Lender or by
an Affiliate of such investment advisor.

             "RELEASE"  means  any release, spill, emission, leaking,  pumping,
pouring, injection, escaping, deposit, disposal, discharge, dispersal, dumping,
                                        -36-
<PAGE>

leaching or migration of any Hazardous  Material  into  the  indoor  or outdoor
environment  (including  the abandonment or disposal of any barrels, containers
or other closed receptacles  containing  any Hazardous Material), including the
migration of any Hazardous Material through  the  air,  soil,  surface water or
groundwater.

             "REPLACEMENT LENDER" as defined in Section 2.25.

             "REQUISITE  CLASS  LENDERS"  means,  at any time of determination,
(i) for  the Class of Lenders having Incremental Term  Loan  Exposure,  Lenders
holding more  than  50%  of the aggregate Incremental Term Loan Exposure of all
Lenders; (ii) for the Class  of  Lenders  having  Term  Loan  Exposure, Lenders
holding more than 50% of the aggregate Term Loan Exposure of all  Lenders;  and
(iii) for  the Class of Lenders having Revolving Exposure, Lenders holding more
than 50% of the aggregate Revolving Exposure of all Lenders.

             "REQUISITE  LENDERS"  means  one or more Lenders having or holding
Term Loan Exposure, Revolving Loan Exposure  or  Incremental Term Loan Exposure
and  representing  more  than  50% of the sum of (i) the  aggregate  Term  Loan
Exposure of all Lenders, (ii) the  aggregate  Revolving Exposure of all Lenders
and (iii) the aggregate Incremental Term Loan Exposure of all Lenders.

             "RESTRICTED  JUNIOR  PAYMENT" means,  in  respect  of  any  Person
(i) any dividend or other distribution,  direct  or indirect, on account of any
Capital Stock of such Person now or hereafter outstanding; (ii) any redemption,
retirement, sinking fund or similar payment, purchase  or other acquisition for
value, direct or indirect, of any Capital Stock of such Person now or hereafter
outstanding; (iii) any payment made to retire, or to obtain  the  surrender of,
any  outstanding  warrants,  options or other rights to acquire shares  of  any
Capital Stock of such Person now  or  hereafter outstanding; (iv) management or
similar fees payable to Sponsors or any  of  its Affiliates and (v) any payment
or prepayment of principal of, premium, if any,  or interest on, or redemption,
purchase, retirement, defeasance (including in-substance  or legal defeasance),
sinking fund or similar payment with respect to any Subordinated  Indebtedness,
in  each  of cases (i) through (v) except a dividend, distribution, payment  or
prepayment payable solely in Capital Stock of such Person.

             "REVOLVING COMMITMENT" means the commitment of a Lender to make or
otherwise fund  any  Revolving Loan and to acquire participations in Letters of
Credit hereunder and "REVOLVING  COMMITMENTS"  means  such  commitments  of all
Lenders in the aggregate.  The amount of each Lender's Revolving Commitment, if
any,  is  set  forth on Appendix A-3 or in the applicable Assignment Agreement,
subject to any adjustment  or  reduction  pursuant  to the terms and conditions
hereof.  The aggregate amount of the Revolving Commitments  as  of the Original
Closing Date was $100,000,000 and as of the Second Amendment Effective  Date is
$150,000,000.

             "REVOLVING  COMMITMENT  PERIOD" means the period from the Original
Closing Date to but excluding the Revolving Commitment Termination Date.
                                        -37-
<PAGE>

             "REVOLVING COMMITMENT TERMINATION  DATE"  means  the  earliest  to
occur  of  (i) March  31,  2010,  (ii)   the date the Revolving Commitments are
permanently reduced to zero pursuant to Section 2.15(b) or 2.16, and (iii) the
date of the termination of the Revolving Commitments pursuant to Section 8.1.

             "REVOLVING EXPOSURE" means,  with  respect to any Lender as of any
date  of  determination,  (i) prior  to  the  termination   of   the  Revolving
Commitments, that Lender's Revolving Commitment; and (ii) after the termination
of  the  Revolving  Commitments,  the  sum  of  (a)  the  aggregate outstanding
principal  amount  of  the  Revolving Loans of that Lender, (b)  the  aggregate
amount of all participations  by  that  Lender  in  any  outstanding Letters of
Credit or any unreimbursed drawing under any Letter of Credit,  (c) in the case
of Swing Line Lender, the aggregate outstanding principal amount  of  all Swing
Line  Loans  (net of any participations therein by other Lenders), and (d)  the
aggregate  amount   of  all  participations  therein  by  that  Lender  in  any
outstanding Swing Line Loans.

             "REVOLVING LOAN" means a Loan made by a Lender to Company pursuant
to Section 2.3.

             "REVOLVING  LOAN  NOTE"  means  a  promissory  note in the form of
Exhibit B-3, as it may be amended, supplemented or otherwise modified from time
to time.

             "S&P"  means  Standard & Poor's Ratings Group, a division  of  The
McGraw Hill Corporation.

             "SECOND AMENDMENT EFFECTIVE DATE" as defined in Section 3.4.

             "SECOND AMENDMENT  EFFECTIVE  DATE  CERTIFICATE"  means  a  Second
Amendment Effective Date Certificate substantially in the form of Exhibit G-3.

               "SECOND  AMENDMENT EFFECTIVE DATE MORTGAGED PROPERTY" as defined
in Section 3.4(g).

             "SECOND AMENDMENT  EFFECTIVE  DATE  SOLVENCY  CERTIFICATE" means a
Second Amendment Effective Date Solvency Certificate substantially  in the form
of Exhibit G-4.

             "SECURED  PARTIES"  has the meaning assigned to that term  in  the
Pledge and Security Agreement.

             "SECURITIES"  means  any  stock,  shares,  partnership  interests,
voting trust certificates, certificates  of  interest  or  participation in any
profit-sharing agreement or arrangement, options, warrants,  bonds, debentures,
notes,  or other evidences of indebtedness, secured or unsecured,  convertible,
subordinated  or  otherwise,  or  in  general any instruments commonly known as
"securities"  or  any certificates of interest,  shares  or  participations  in
                                        -38-
<PAGE>

temporary or interim  certificates  for  the purchase or acquisition of, or any
right to subscribe to, purchase or acquire, any of the foregoing.

             "SECURITIES ACT" means the Securities Act of 1933, as amended from
time to time, and any successor statute.

             "SELLERS" means Atlantic Equity  Partners  International II, L.P.,
J.P.  Morgan  Partners  (SBIC),  LLC,  BPC Equity, LLC and certain  members  of
Company's management.

             "SENIOR SUBORDINATED NOTE DOCUMENTS" means the Senior Subordinated
Note Indenture and the Senior Subordinated  Notes, as each such document may be
amended, restated, supplemented or otherwise  modified from time to time to the
extent permitted under Section 6.15.

             "SENIOR SUBORDINATED NOTE INDENTURE"  means the indenture pursuant
to which the Senior Subordinated Notes were issued,  in  the  form delivered to
the  Agents  and  Lenders  prior  to  the  Original  Closing Date, as any  such
indenture  may  thereafter  be  amended,  restated, supplemented  or  otherwise
modified from time to time to the extent permitted under Section 6.15.

             "SENIOR SUBORDINATED NOTES" means the Senior Subordinated Notes of
Company in the aggregate principal amount not  to  exceed  $440,000,000  at any
time  outstanding  (plus  (i) any  such  notes issued as payment of interest on
Senior Subordinated Notes and (ii) any additional  subordinated notes issued as
permitted by clause (ii) or (iii) of Section 6.1(c)) and issued pursuant to the
Senior Subordinated Note Indenture, with such changes  thereto when executed as
are  permitted under Section 6.15  and as such notes may thereafter be amended,
restated, supplemented or otherwise  modified  from  time to time to the extent
permitted under Section 6.15.

              "SOLVENT" means, with respect to any Credit Party, that as of the
date  of  determination  both  (i) (a)  the  sum  of such Credit  Party's  debt
(including contingent liabilities) does not exceed  the  present  fair saleable
value of all of such Credit Party's assets; (b) such Credit Party's  capital is
not  unreasonably  small  in  relation  to its business or with respect to  any
transaction then contemplated; and (c) such  Person  has  not incurred and does
not intend to incur, or believe (nor should it reasonably believe) that it will
incur, debts beyond its ability to pay such debts as they become  due  (whether
at maturity or otherwise); and (ii) such Person is "solvent" within the meaning
given  that term and similar terms under applicable laws relating to fraudulent
transfers  and conveyances.  For purposes of this definition, the amount of any
contingent liability at any time shall be computed as the amount that, in light
of all of the  facts  and  circumstances  existing at such time, represents the
amount that can reasonably be expected to become an actual or matured liability
(irrespective  of whether such contingent liabilities  meet  the  criteria  for
accrual under Statement of Financial Accounting Standard No. 5).
                                        -39-
<PAGE>

             "SPONSORS" means any of GS Capital Partners 2000, L.P., GS Capital
Partners 2000 Offshore, L.P., GS Capital Partners 2000 GmbH & Co., Beteiligungs
KG, GS Capital Partners 2000 Employee Fund, L.P., Stone Street Fund 2000, L.P.,
J.P. Morgan Partners (BHCA), L.P., J.P. Morgan Partners Global Investors, L.P.,
J.P. Morgan Partners  Global  Investors  (Cayman),  L.P.,  J.P. Morgan Partners
Global  Investors (Cayman) II, L.P., J.P. Morgan Partners Global  Investors  A,
L.P. and other strategic investors acceptable to Co-Syndication Agents.

             "STOCKHOLDER AGREEMENTS" means (i) a stockholders agreement, dated
as of the  Original  Closing  Date,  among Holdings and the Sponsors and (ii) a
stockholders agreement, dated as of the  Original  Closing Date, among Holdings
and certain employees of Holdings and its Subsidiaries parties thereto.

             "SUBJECT TRANSACTION" as defined in Section 6.8(d).

             "SUBORDINATED  INDEBTEDNESS" means the Senior  Subordinated  Notes
and any other Indebtedness that  is  subordinate  in  right  of payment and all
other  respects  to  the Obligations on subordination terms that  are  no  less
favorable to the Agents  or  Lenders  in any respect than the subordination and
related terms set forth in the Senior Subordinated  Note Documents as in effect
on the 2004 Effective Date.

             "SUBSIDIARY" means, with respect to any  Person,  any corporation,
partnership,  limited  liability company, association, joint venture  or  other
business entity of which  more  than 50% of the total voting power of shares of
stock or other ownership interests  entitled  (without regard to the occurrence
of any contingency) to vote in the election of  the  Person or Persons (whether
directors,  managers, trustees or other Persons performing  similar  functions)
having the power  to  direct  or  cause  the  direction  of  the management and
policies thereof is at the time owned or controlled, directly or indirectly, by
that  Person  or  one  or  more of the other Subsidiaries of that Person  or  a
combination thereof; provided,  in  determining  the  percentage  of  ownership
interests of any Person controlled by another Person, no ownership interest  in
the  nature  of a "qualifying share" of the former Person shall be deemed to be
outstanding.

             "SURVIVING  CAPITAL  LEASES"  mean,  as  of  the  Second Amendment
Effective  Date,  the Capital Leases of Company in an aggregate amount  not  to
exceed $27,000,000 as designated in Schedule 6.1(g).

             "SURVIVING INDEBTEDNESS" as defined in Section 6.1(g).

             "SURVIVING  IRBS"  means  the Nevada Industrial Revenue Bonds (the
"IRBS") of Company that survived the consummation  of  the  2002  Merger  in an
aggregate amount not to exceed $3,000,000 as designated in Schedule 6.1(g).

             "SURVIVING KERR INDEBTEDNESS" means the surviving indebtedness  of
Kerr and its Subsidiaries as designated in Schedule 6.1(g).
                                        -40-
<PAGE>

             "SWING LINE LENDER" as defined in the preamble.

             "SWING  LINE  LOAN"  means  a  Loan  made  by Swing Line Lender to
Company pursuant to Section 2.6.

             "SWING  LINE  NOTE"  means  a  promissory  note  in  the  form  of
Exhibit B-4, as it may be amended, supplemented or otherwise modified from time
to time.

             "SWING  LINE  SUBLIMIT"  means the lesser of (i) $10,000,000,  and
(ii) the aggregate unused amount of Revolving Commitments then in effect.

             "TAX"  means  any  present or  future  tax,  levy,  impost,  duty,
assessment, charge, fee, deduction  or  withholding  of any nature and whatever
called,  by  any  Governmental Authority, on whomsoever and  wherever  imposed,
levied, collected,  withheld  or  assessed;  provided,  "Tax on the overall net
income" of a Person shall be construed as a reference to  a  tax imposed by the
jurisdiction  in  which  that  Person  is  organized or in which that  Person's
applicable principal office (and/or, in the  case  of  a  Lender,  its  lending
office)  is  located  or in which that Person (and/or, in the case of a Lender,
its lending office) is  deemed  to  be doing business on all or part of the net
income, profits or gains (whether worldwide,  or  only  insofar as such income,
profits  or  gains  are  considered to arise in or to relate  to  a  particular
jurisdiction, or otherwise)  of  that  Person (and/or, in the case of a Lender,
its applicable lending office).

             "TERM LOAN" means a 2004 Effective  Date  Term  Loan or a New Term
Loan.

               "TERM  LOAN COMMITMENT" means, with respect to any  Lender,  (a)
such Lender's 2004 Effective  Date Term Loan Commitment (which was fully funded
on the 2004 Effective Date), (b)  such Lender's New Term Loan Commitment or (c)
the sum of (a) and (b), as applicable.

             "TERM LOAN EXPOSURE" means,  with respect to any Lender, as of any
date of determination, the outstanding principal  amount  of  the Term Loans of
such Lender; provided, at any time prior to the making of the Term  Loans,  the
Term  Loan  Exposure  of  any  Lender shall be equal to such Lender's Term Loan
Commitment.

             "TERM LOAN INSTALLMENT" as defined in Section 2.14(a).

             "TERM LOAN INSTALLMENT DATE" as defined in Section 2.14(a).

             "TERM LOAN LENDER"  means  each  financial  institution  listed on
either  Appendix A-1 and Appendix A-2.

             "TERM  LOAN  MATURITY  DATE" means the earlier of (i) December  2,
2011 and (ii) the date that all Term Loans shall become due and payable in full
hereunder, whether by acceleration or otherwise.
                                        -41-
<PAGE>

             "TERM  LOAN  NOTE"  means  a   promissory  note  in  the  form  of
Exhibit B-1, as it may be amended, supplemented or otherwise modified from time
to time.

              "TERMINATED LENDER" as defined in Section 2.25.

             "TITLE POLICY" as defined in Section 5.13.

             "TOTAL UTILIZATION OF REVOLVING COMMITMENTS" means, as at any date
of  determination,  the  sum  of  (i) the aggregate  principal  amount  of  all
outstanding Revolving Loans (other than Revolving Loans made for the purpose of
repaying any Refunded Swing Line Loans  or  reimbursing an Issuing Bank for any
amount drawn under any Letter of Credit, but  not  yet  so  applied),  (ii) the
aggregate  principal  amount  of all outstanding Swing Line Loans and (iii) the
Letter of Credit Usage.

             "TRANSACTION COSTS"  means (a) the write-off of deferred financing
costs capitalized in connection with  the  entering  into  of  the  2003 Credit
Agreement  and  the  Existing  Credit  Agreement  and  (b)  the fees, costs and
expenses  payable by Holdings, Company or any of Company's Subsidiaries  on  or
before the  Second Amendment Effective Date in connection with the transactions
contemplated by the Credit Documents and the Kerr Merger Agreement, which fees,
costs and expenses under clause (b) shall not exceed $15,000,000.

             "TYPE  OF  LOAN"  means  (i)  with respect to either Term Loans or
Revolving Loans, a Base Rate Loan or a Eurodollar  Rate  Loan,  and  (ii)  with
respect to Swing Line Loans, a Base Rate Loan.

             "UCC"  means  the  Uniform  Commercial  Code  (or  any  similar or
equivalent legislation) as in effect in any applicable jurisdiction.

             "UNADJUSTED EURODOLLAR RATE COMPONENT" means that component of the
interest  costs  to Company in respect of a Eurodollar Rate Loan that is  based
upon the rate obtained  pursuant  to  clause  (i) of the definition of Adjusted
Eurodollar Rate.

             "UNCOMPLETED ACQUISITION COSTS" means,  for  the  purpose  of  the
calculation  set  forth  in  Section  6.8(d)(ii), aggregate out-of-pocket fees,
costs and expenses incurred by Company in connection with one or more proposed,
but uncompleted Permitted Acquisitions.

             "US LENDER" means each Lender  that  is a United States Person (as
such term is defined in Section 7701(a)(30) of the  Internal  Revenue Code) for
U.S. federal income tax purposes.

             "VOTING STOCK" of a Person means all classes of Capital  Stock  or
other  interests  of  such  Person then outstanding which are normally entitled
(without regard to the occurrence  of  any contingency) to vote in the election
of directors, managers or trustees thereof.
                                        -42-
<PAGE>

             "WHOLLY-OWNED" means, in respect  of any Subsidiary of any Person,
that all Capital Stock of such Subsidiary (other  than  Capital  Stock  in  the
nature  of  directors'  qualifying  shares required by applicable law) is owned
beneficially  and  as  of  record  by such  Person  or  one  more  Wholly-Owned
Subsidiaries of such Person.

       1.2.  ACCOUNTING TERMS

             .  Except as otherwise  expressly  provided herein, all accounting
terms not otherwise defined herein shall have the  meanings assigned to them in
conformity  with  GAAP  as in effect from time to time;  provided,  if  Company
notifies  Administrative Agent  that  Company  requests  an  amendment  to  any
provision hereof to eliminate the effect of any change occurring after the date
hereof in GAAP  or  in  the  application  thereof  to  the  operation  of  such
provisions, regardless of whether any such notice is given before or after such
change  in  GAAP  or  in  the application thereof, then such provision shall be
interpreted on the basis of  GAAP in effect and applied immediately before such
change shall have become effective  until such notice shall have been withdrawn
or such provision amended in accordance  herewith.  Subject  to  the foregoing,
calculations in connection with the definitions, covenants and other provisions
hereof  shall  utilize  accounting  principles and policies in conformity  with
those used to prepare the Historical Financial Statements.

       1.3.  INTERPRETATION, ETC

             .   Any  of  the terms defined  herein  may,  unless  the  context
otherwise requires, be used  in  the  singular  or the plural, depending on the
reference.   References herein to any Section, Appendix,  Schedule  or  Exhibit
shall be to a  Section,  an Appendix, a Schedule or an Exhibit, as the case may
be, hereof unless otherwise  specifically provided.  The use herein of the word
"include" or "including", when following any general statement, term or matter,
shall not be construed to limit  such statement, term or matter to the specific
items or matters set forth immediately  following such word or to similar items
or matters, whether or not nonlimiting language  (such  as "without limitation"
or  "but  not  limited to" or words of similar import) is used  with  reference
thereto, but rather shall be deemed to refer to all other items or matters that
fall within the  broadest  possible  scope  of  such general statement, term or
matter.  Except as otherwise specifically provided, all reference herein to any
Person shall mean such Person and its permitted successors  and assigns and all
references  herein  to  any document, instrument or agreement shall  mean  such
document, instrument or agreement  as  amended,  supplemented  or modified from
time to time, to the extent not prohibited by this Agreement.

       1.4.  INTERRELATIONSHIP WITH THE EXISTING AGREEMENT

             .

             (a)    This   Agreement   is   intended   to  incorporate  certain
amendments to the provisions of the Existing Agreement and, except as expressly
modified herein, (x) all of the terms and provisions of  the Existing Agreement
shall continue to apply for the period prior to the Second  Amendment Effective
Date, including any determinations of payment dates, interest rates, compliance
with   covenants  and  other  obligations,  accuracy  of  representations   and
warranties,  Events  of  Default  or  any  amount  that  may  be payable to the
Administrative  Agent  or  the  Lenders  (or  their  assignees  or replacements
                                        -43-
<PAGE>

hereunder), and (y) the obligations under the Existing Agreement shall continue
to be paid or prepaid on or prior to the Second Amendment Effective  Date,  and
shall  from  and after the Second Amendment Effective Date continue to be owing
and be subject to the terms of this Agreement.  All references in the Notes and
the other Credit  Documents  to  (i)  the "Credit Agreement" shall be deemed to
include references to this Agreement and (ii) the "Lenders" or a "Lender" or to
the "Administrative Agent" shall mean such  terms as defined in this Agreement.
As to all periods occurring on or after the Second  Amendment  Effective  Date,
all of the covenants set forth in the Existing Agreement shall be of no further
force  and  effect (with respect to such periods), it being understood that (x)
all obligations  of  Company and Holdings under the Existing Agreement shall be
governed by this Agreement  from  and after the Second Amendment Effective Date
and (y) the terms, provisions and covenants contained in the Existing Agreement
shall continue to apply for all periods prior to the Second Amendment Effective
Date, and the effectiveness of this  Agreement  shall  not  excuse or waive any
failure to comply with any of the terms, provisions or covenants  contained  in
the  Existing  Agreement for any period prior to the Second Amendment Effective
Date.

             (b)    Company,  Holdings,  the Agents and the Lenders acknowledge
and agree that all principal, interest, fees,  costs, reimbursable expenses and
indemnification obligations accruing or arising under or in connection with the
Existing  Agreement  which  remain  unpaid and outstanding  as  of  the  Second
Amendment Effective Date shall be and  remain  outstanding  and  payable  as an
obligation under this Agreement and the other Credit Documents.

SECTION 2.     LOANS AND LETTERS OF CREDIT

       2.1.  TERM LOANS.

             (a)    Loan Commitments

             .  Subject to the terms and conditions of the Existing  Agreement,
each  Lender  made, on the 2004 Effective Date, a 2004 Effective Date Term Loan
to Company in an  amount  equal  to such Lender's 2004 Effective Date Term Loan
Commitment.  Subject to the terms and conditions hereof, each Lender with a New
Term  Loan  Commitment  severally agrees  to  make,  on  the  Second  Amendment
Effective Date, a New Term  Loan to Company in an amount equal to such Lender's
New Term Loan Commitment.  Company  may  make  only one borrowing under the New
Term  Loan  Commitment.   Any amount borrowed under  this  Section  2.1(a)  and
subsequently repaid or prepaid  may  not  be  reborrowed.   Subject to Sections
2.15(a) and 2.16, all amounts owed with respect to the Term Loans shall be paid
in full no later than the Term Loan Maturity Date.  Each Lender's New Term Loan
Commitment  shall terminate immediately without further action  on  the  Second
Amendment Effective  Date  after  giving effect to the funding of such Lender's
New Term Loan Commitment on such date.

             (b)    Borrowing Mechanics for Term Loans.

                    (i)   Company shall deliver to Administrative Agent a fully
       executed Funding Notice with respect to the New Term Loans no later than
                                        -44-
<PAGE>

       11:00 a.m. (New York City time)  on  (A) in the case of Base Rate Loans,
       the day prior to the Second Amendment Effective Date and (B) in the case
       of  Eurodollar  Loans,  the  third day prior  to  the  Second  Amendment
       Effective Date.  Promptly upon  receipt  by Administrative Agent of such
       certificate,  Administrative  Agent  shall notify  each  Lender  of  the
       proposed borrowing.

                    (ii)  Each Lender shall make its New Term Loan available to
       Administrative Agent not later than 12:00  p.m.  (New York City time) on
       the Second Amendment Effective Date, by wire transfer  of same day funds
       in   Dollars,   at   Administrative  Agent's  Principal  Office.    Upon
       satisfaction or waiver  of  the  conditions  precedent specified herein,
       Administrative Agent shall make the proceeds of the Term Loans available
       to Company on the Second Amendment Effective Date  by  causing an amount
       of  same  day funds in Dollars equal to the proceeds of all  such  Loans
       received by  Administrative  Agent  from  Lenders  to be credited to the
       account of Company at Administrative Agent's Principal Office or to such
       other account as may be designated in writing to Administrative Agent by
       Company.

                    (iii) Notwithstanding  anything  to  the  contrary  in  the
       Existing Agreement, the last day of each Interest Period with respect to
       any 2004 Effective Date Term Loans outstanding immediately  prior to the
       Second  Amendment  Effective  Date  that  are Eurodollar Loans shall  be
       deemed  to  be the Second Amendment Effective  Date.   Accordingly,  the
       Second Amendment  Effective  Date shall be an Interest Payment Date with
       respect to such 2004 Effective  Date  Term  Loans.   Each  Lender having
       outstanding  2004  Effective  Date  Term  Loans  on the Second Amendment
       Effective  Date hereby waives any amounts that would  otherwise  be  due
       pursuant to Section 2.20(c) as a result of the operation of this Section
       2.1(b)(iii).

       2.2.  INCREMENTAL TERM LOANS

             .  Company  and  any  one  or more Lenders or New Lenders may from
time to time agree that such Lenders shall  make  one  or more Incremental Term
Loans,  which  shall constitute Loans for all purposes of  this  Agreement,  by
executing and delivering  to  the Administrative Agent an Incremental Term Loan
Notice, substantially in the form  of  Exhibit  A-4,  not less than 10 Business
Days  prior  to the Applicable Incremental Term Loan Closing  Date,  specifying
(i) the principal  amount  of  such  Incremental Term Loan, (ii) the applicable
Incremental Term Loan Closing Date, (iii) the  applicable Incremental Term Loan
Maturity Date, (iv) the amortization schedule for  such  Incremental  Term Loan
and  (v) the  Applicable Margin for such Incremental Term Loan; provided  that,
(A) after giving  pro  forma effect to the making of such Incremental Term Loan
and any Permitted Acquisition  to  be  financed  with the proceeds thereof, the
Leverage  Ratio  shall  be  less than or equal to 3.50:1.00  (disregarding  any
increase  in  Consolidated  Adjusted   EBITDA  that  was  attributable  to  the
application of the proceeds of the exercise of a Cure Right with respect to any
Fiscal Quarter during a four Fiscal Quarter  period  ended  on  the last day of
such  Fiscal Quarter), (B) no Default or Event of Default has occurred  and  is
continuing  or  would  result  after  giving  effect  to  the  making  of  such
                                        -45-
<PAGE>

Incremental  Term  Loan  or  the application of the proceeds therefrom, (C) the
calculation of interest in respect  of  such Incremental Term Loan as set forth
in the applicable Incremental Term Loan Notice is based on the Base Rate or the
Eurodollar Rate as defined substantially  in  this  Agreement  and  the maximum
Applicable Margin in respect of such Incremental Term Loan shall not be greater
than  0.50%  above the Applicable Margin then in effect, or which could  be  in
effect under any  set  of circumstances thereafter, for the Term Loan, (D) such
Incremental Term Loan shall  otherwise  be  on the same terms and conditions as
those generally applicable to the Loans made  under  this  Agreement,  (E)  the
aggregate  principal  amount  outstanding of Incremental Term Loans pursuant to
this Section 2.2 after giving effect  to  such  Incremental Term Loan shall not
exceed $150,000,000, (F) each borrowing of an Incremental Term Loan pursuant to
this Section 2.2 shall be in a minimum amount of  (I)  $25,000,000  or (II) the
difference of $150,000,000 and the sum of the aggregate principal amount of all
Incremental  Term Loans then outstanding, (G) the average weighted maturity  of
all Incremental Term Loans outstanding, after giving effect to such Incremental
Term Loan, shall  not be less than the remaining term of the Term Loan, (H) any
Incremental Term Loan Maturity Date shall be on or after the Term Loan Maturity
Date and (I) the Chief  Financial Officer of each of Holdings and Company shall
have executed and delivered to the Administrative Agent on the Incremental Term
Loan  Closing Date an officer's  certificate  certifying  compliance  with  the
requirements of this Section 2.2.

       2.3.  REVOLVING LOANS

             .

             (a)    Revolving  Commitments.   During  the  Revolving Commitment
Period,  subject  to  the  terms  and conditions hereof, each Lender  severally
agrees to make Revolving Loans to Company in the aggregate amount up to but not
exceeding such Lender's Revolving Commitment;  provided, after giving effect to
the making of any Revolving Loans in no event shall  the  Total  Utilization of
Revolving Commitments exceed the Revolving Commitments then in effect.  Amounts
borrowed  pursuant  to this Section 2.3(a) may be repaid and reborrowed  during
the Revolving Commitment  Period.   Each  Lender's  Revolving  Commitment shall
expire on the Revolving Commitment Termination Date and all Revolving Loans and
all  other amounts owed hereunder with respect to the Revolving Loans  and  the
Revolving Commitments shall be paid in full no later than such date.

             (b)    Borrowing Mechanics for Revolving Loans.

                    (i)   Except  pursuant  to  Section 2.5(d)  and 2.6(b)(iv),
       Revolving Loans that are Base Rate Loans shall be made in  an  aggregate
       minimum  amount  of  $1,000,000 and integral multiples of $1,000,000  in
       excess of that amount,  and  Revolving  Loans  that  are Eurodollar Rate
       Loans shall be in an aggregate minimum amount of $5,000,000 and integral
       multiples of $1,000,000 in excess of that amount.
                                        -46-
<PAGE>

                    (ii)  Whenever Company desires that Lenders  make Revolving
       Loans, Company shall deliver (subject to Section 3.2(b)) to
       Administrative Agent a fully executed and delivered  Funding Notice no
       later than 11:00 a.m. (New York City time) at least three Business Days
       in advance of the proposed Credit Date in the case of a Eurodollar Rate
       Loan, and at least one Business Day in advance of the proposed Credit
       Date in the case of a Revolving Loan that is a Base Rate Loan.   Except
       as otherwise provided herein, a Funding Notice for a Revolving Loan that
       is  a Eurodollar Rate Loan  shall  be  irrevocable  on  and  after  the
       related Interest  Rate Determination Date, and Company shall be bound
       to  make  a borrowing in accordance therewith.

                    (iii) Notice of receipt of each Funding Notice  in  respect
       of  Revolving Loans, together with the amount of each Lender's Pro  Rata
       Share thereof, if any, together with the applicable interest rate, shall
       be provided  by  Administrative  Agent  to  each  applicable  Lender  by
       telefacsimile  with  reasonable promptness, but (provided Administrative
       Agent shall have received  such  notice  by  11:00 a.m.  (New  York City
       time)) not later than 3:00 p.m. (New York City time) on the same  day as
       Administrative Agent's receipt of such Funding Notice from Company.

                    (iv)  Each  Lender  shall  make the amount of its Revolving
       Loan available to Administrative Agent not  later  than  12:00 p.m. (New
       York City time) on the applicable Credit Date by wire transfer  of  same
       day  funds  in  Dollars,  at  Administrative  Agent's  Principal Office.
       Except as provided herein, upon satisfaction or waiver of the conditions
       precedent specified herein, Administrative Agent shall make the proceeds
       of  such  Revolving Loans available to Company on the applicable  Credit
       Date by causing  an  amount  of  same  day funds in Dollars equal to the
       proceeds of all such Revolving Loans received  by  Administrative  Agent
       from  Lenders  to  be  credited  to  an account designated in writing to
       Administrative Agent by Company.

       2.4.  INCREMENTAL REVOLVING LOANS

             .   Company may by written notice  to  Co-Syndication  Agents  and
Administrative Agent  elect  to  request  once  prior to the 30th day after the
Second Amendment Effective Date, in an amount not less than $1,000,000 (or such
lesser  amount  which  shall  be  approved  by  Administrative  Agent  and  Co-
Syndication  Agents), an increase to the existing  Revolving  Commitments  (any
such increase,  the "INCREMENTAL REVOLVING COMMITMENTS") by an amount such that
the  aggregate  Revolving  Commitments,  including  any  Incremental  Revolving
Commitments,  do  not   exceed  $150,000,000.   Such  notice  (an  "INCREMENTAL
REVOLVING NOTICE", substantially  in the form of Exhibit A-5) shall specify (i)
the date (the "INCREMENTAL REVOLVING  CLOSING  DATE") on which Company proposes
that the Incremental Revolving Commitments shall be effective, which shall be a
date not less than 10 Business Days after the date  on  which  such  notice  is
delivered  to  Co-Syndication  Agents  and  Administrative  Agent  and (ii) the
principal  amount  of  the  Incremental  Revolving  Commitments, and (iii)  the
identity of each Lender or other Person that is an Eligible  Assignee (each, an
                                        -47-
<PAGE>

"INCREMENTAL  REVOLVING LENDER") to whom Company proposes any portion  of  such
Incremental  Revolving  Commitments  be  allocated  and  the  amounts  of  such
allocations; provided that any Lender approached to provide all or a portion of
the Incremental  Revolving  Commitments  may  elect  or  decline,  in  its sole
discretion,  to  provide an Incremental Revolving Commitment.  Such Incremental
Revolving Commitments  shall  become  effective as of the Incremental Revolving
Closing Date; provided that (A) the terms  and  provisions  of  the Incremental
Revolving Loans shall be identical to the Revolving Loans under this Agreement;
and  (B) to  the  extent  an "Effective Date" (as such term is defined  in  the
relevant Assignment Agreement)  with respect to any purchase of Revolving Loans
assigned  to the Incremental Revolving  Lenders  pursuant  to  the  immediately
succeeding  paragraph  is  not  the  last  day of the relevant Interest Period,
Company  shall  make  any  payments required pursuant  to  Section  2.20(c)  in
connection with the Incremental Revolving Commitments.

             On  any  Incremental   Revolving  Closing  Date,  subject  to  the
satisfaction of the foregoing terms and  conditions, (a) each of the Lenders of
the Revolving Loans shall assign to each of  the Incremental Revolving Lenders,
and each of the Incremental Revolving Lenders  shall  purchase from each of the
Lenders of the Revolving Loans, at the principal amount  thereof (together with
accrued  interest), such interests in the Revolving Loans outstanding  on  such
Incremental  Revolving  Closing Date as shall be necessary in order that, after
giving effect to all such  assignments and purchases, such Revolving Loans will
be  held  by Lenders of existing  Revolving  Loans  and  Incremental  Revolving
Lenders ratably  in  accordance  with  their Revolving Commitments after giving
effect  to  the  addition  of such Incremental  Revolving  Commitments  to  the
Revolving Commitments; provided  that  the  Administrative  Agent shall use its
commercially reasonable efforts to ensure that the "Effective  Date"  (as  such
term  is defined in the relevant Assignment Agreement) with respect to any such
purchase  of  Revolving  Loans  assigned  to  the Incremental Revolving Lenders
pursuant  to  this paragraph shall be the last day  of  the  relevant  Interest
Period, (b) each  Incremental  Revolving  Commitment  shall  be  deemed for all
purposes a Revolving Commitment and each Loan made thereunder (an  "INCREMENTAL
REVOLVING  LOAN") shall be deemed, for all purposes, a Revolving Loan  and  (c)
each Incremental  Revolving  Lender  shall  become a Lender with respect to the
Incremental Revolving Commitment and all matters relating thereto.

       2.5.  ISSUANCE  OF  LETTERS  OF CREDIT AND  PURCHASE  OF  PARTICIPATIONS
THEREIN

             .

             (a)    General.  Subject  to  the  terms  and conditions set forth
herein, Company (or any other Credit Party, so long as Company  is a co-obligor
or co-applicant in respect of each Letter of Credit issued for the  account  of
such  other Credit Party on terms reasonably acceptable to Administrative Agent
and the  applicable Issuing Bank) may request the issuance of Letters of Credit
for its own  account,  such  Letter  of  Credit  to  be  in  a  form reasonably
acceptable to Administrative Agent and the applicable Issuing Bank, at any time
and from time to time during the Revolving Commitment Period.  In  the event of
any  inconsistency between the terms and conditions of this Agreement  and  the
terms  and  conditions  of  any  form  of letter of credit application or other
agreement  submitted  by  Company to, or entered  into  by  Company  with,  the
applicable Issuing Bank relating  to  any  Letter  of  Credit,  the  terms  and
conditions of this Agreement shall control.
                                        -48-
<PAGE>

             (b)    Notice  of Issuance, Amendment, Renewal, Extension; Certain
Conditions.  To request the issuance  of  a Letter of Credit (or the amendment,
renewal or extension of an outstanding Letter  of  Credit),  Company shall hand
deliver or telecopy (or transmit by electronic communication,  if  arrangements
for  doing  so  have  been  approved  by  Issuing Bank) to an Issuing Bank  and
Administrative Agent (reasonably, but in any  case at least three Business Days
(or such shorter period as may be agreed to by  an Issuing Bank), in advance of
the  requested  date  of issuance, amendment, renewal  or  extension)  a  fully
executed Issuance Notice  requesting  the  issuance  of  a Letter of Credit, or
identifying  the  Letter  of  Credit  to be amended, renewed or  extended,  and
specifying the date of issuance, amendment,  renewal  or extension (which shall
be a Business Day), the date on which such Letter of Credit is to expire (which
shall comply with paragraph (c) of this Section 2.5), the amount of such Letter
of  Credit,  the  name and address of the beneficiary thereof  and  such  other
information as shall  be  necessary  to  prepare,  amend,  renew or extend such
Letter of Credit.  If requested by Issuing Bank, Company also  shall  submit  a
letter  of credit application to the applicable Issuing Bank and Administrative
Agent on such Issuing Bank's standard form in connection with any request for a
Letter of  Credit.   A  Letter  of  Credit shall be issued, amended, renewed or
extended only if (and upon issuance,  amendment,  renewal  or extension of each
Letter of Credit Company shall be deemed to represent and warrant  that), after
giving effect to such issuance, amendment, renewal or extension (i) the  Letter
of  Credit  Usage  shall  not exceed the Letter of Credit Sublimit and (ii) the
Total Utilization of Revolving  Commitments  shall  not  exceed  the  Revolving
Commitments  then  in  effect.   All Letters of Credit shall be denominated  in
Dollars and the stated amount of each  Letter  of Credit shall not be less than
$100,000 or such lesser amount as is acceptable  to the applicable Issuing Bank
in its sole discretion.  Each Issuing Bank shall promptly  provide  a  copy  of
each newly issued Letter of Credit, or amendment, renewal or extension thereof,
to Administrative Agent.

             (c)    Expiration  Date.  Each Letter of Credit shall expire at or
prior to the close of business on  the  earlier  of (i) the date one year after
the date of the issuance of such Letter of Credit  (or,  in  the  case  of  any
renewal  or  extension  thereof,  one year after such renewal or extension) and
(ii) the date that is five Business  Days  prior  to  the  Revolving Commitment
Termination Date.

             (d)    Participations.  By the issuance, renewal or extension of a
Letter of Credit (or an amendment to a Letter of Credit increasing  the  amount
thereof)  and  without any further action on the part of the applicable Issuing
Bank or the Lenders,  the applicable Issuing Bank hereby grants to each Lender,
and  each  Lender  hereby   acquires   from  the  applicable  Issuing  Bank,  a
participation in such Letter of Credit equal  to  such  Lender's Pro Rata Share
(with respect to the Revolving Commitments) of the aggregate  amount  available
to  be  drawn under such Letter of Credit.  In consideration and in furtherance
of the foregoing,  each  Lender hereby absolutely and unconditionally agrees to
                                        -49-
<PAGE>

pay to Administrative Agent,  for  the  account of the applicable Issuing Bank,
such Lender's Pro Rata Share (with respect  to  the  Revolving  Commitments) of
each Letter of Credit Disbursement made by the applicable Issuing  Bank and not
reimbursed  by  Company  on  the date due as provided in paragraph (e) of  this
Section, or of any reimbursement payment required to be refunded to Company for
any reason.  Each Lender acknowledges and agrees that its obligation to acquire
participations pursuant to this  paragraph  in  respect of Letters of Credit is
absolute  and  unconditional  and  shall not be affected  by  any  circumstance
whatsoever, including any amendment,  renewal  or  extension  of  any Letter of
Credit or the occurrence and continuance of a Default or an Event of Default or
reduction  or termination of the Commitments, and that each such payment  shall
be made without any offset, abatement, withholding or reduction whatsoever.

             (e)    Reimbursement.   If  Issuing  Bank shall make any Letter of
Credit Disbursement in respect of a Letter of Credit,  Issuing  Bank  shall  so
notify  Administrative  Agent  as  provided in Section 2.5(g) and Company shall
reimburse such Letter of Credit Disbursement  by paying to Administrative Agent
an amount equal to such Letter of Credit Disbursement not later than 2:30 p.m.,
New  York City time, on the date that such Letter  of  Credit  Disbursement  is
made,  if  Company  shall  have  received  notice  of  such  Letter  of  Credit
Disbursement prior to 10:00 a.m., New York City time, on such date, or, if such
notice  has  not been received by Company prior to such time on such date, then
not later than  2:30 p.m.,  New York City time, on the Business Day immediately
following the day that Company  receives  such  notice,  if  such notice is not
received  prior  to  such  time  on the day of receipt; provided, Company  may,
subject to the conditions to borrowing  set forth herein, request in accordance
with Section 2.3 or Section 2.6 that such  payment be financed with a Revolving
Loan that is a Base Rate Loan or a Swing Line Loan in an equivalent amount and,
to the extent so financed, Company's obligation  to  make such payment shall be
discharged and replaced by the resulting Revolving Loan or Swing Line Loan.  If
Company fails to make such payment when due, Administrative  Agent shall notify
each Lender of the applicable Letter of Credit Disbursement, the  payment  then
due  from  Company in respect thereof and such Lender's Pro Rata Share thereof.
Following receipt of such notice, each Lender shall pay to Administrative Agent
its Pro Rata  Share of the payment then due from Company, in the same manner as
provided in Section 2.6 with respect  to Loans made by such Lender (and Section
2.6 shall apply, mutatis mutandis, to the  payment obligations of the Lenders),
and Administrative Agent shall promptly pay  to  the  applicable  Issuing  Bank
the amounts so received by it from the Lenders.  Promptly following receipt  by
Administrative Agent of any  payment  from  Company pursuant to this paragraph,
Administrative Agent shall distribute such payment  to  the  applicable Issuing
Bank  or,  to  the  extent  that  Lenders have made payments pursuant  to  this
paragraph to reimburse such Issuing Bank, then to such Lenders and such Issuing
Bank as their interests may appear.   Any  payment made by a Lender pursuant to
this  paragraph  to  reimburse  an  Issuing  Bank  for  any  Letter  of  Credit
Disbursement (other than the funding of Revolving  Loans as contemplated above)
shall not constitute a Loan and shall not relieve Company  of its obligation to
reimburse such Letter of Credit Disbursement.
                                        -50-
<PAGE>

             (f)    Obligations   Absolute.    The   Company's  obligation   to
reimburse Letter of Credit Disbursements as provided in  paragraph (e)  of this
Section  shall  be  absolute,  unconditional  and  irrevocable,  and  shall  be
performed strictly in accordance with the terms of this Agreement under any and
all  circumstances  whatsoever  and irrespective of (i) any lack of validity or
enforceability of any Letter of Credit  or  this  Agreement,  or  any  term  or
provision therein, (ii) any draft or other document presented under a Letter of
Credit  proving  to  be  forged,  fraudulent  or  invalid in any respect or any
statement therein being untrue or inaccurate in any  respect,  (iii) payment by
an  Issuing Bank under a Letter of Credit against presentation of  a  draft  or
other document that does not comply with the terms of such Letter of Credit, or
(iv)  any other event or circumstance whatsoever, whether or not similar to any
of the  foregoing,  that  might,  but  for  the  provisions  of  this  Section,
constitute  a  legal  or  equitable  discharge of, or provide a right of setoff
against, Company's obligations hereunder.   Neither  Administrative  Agent, the
Lenders  nor  any  Issuing  Bank,  nor any of their Affiliates, shall have  any
liability or responsibility by reason  of or in connection with the issuance or
transfer of any Letter of Credit or any  payment or failure to make any payment
thereunder  (irrespective  of  any  of the circumstances  referred  to  in  the
preceding sentence), or any error, omission,  interruption,  loss  or  delay in
transmission  or delivery of any draft, notice or other communication under  or
relating to any  Letter  of  Credit  (including any document required to make a
drawing thereunder), any error in interpretation  of  technical  terms  or  any
consequence arising from causes beyond the reasonable control of the applicable
Issuing  Bank;  provided,  the  foregoing  shall  not be construed to excuse an
Issuing Bank from liability to Company to the extent  of any direct damages (as
opposed to consequential damages, claims in respect of  which are hereby waived
by Company to the extent permitted by applicable law) suffered  by Company that
are caused by Issuing Bank's failure to exercise care when determining  whether
drafts  and other documents presented under a Letter of Credit comply with  the
terms thereof.   The  parties  hereto  expressly  agree that, in the absence of
gross  negligence or willful misconduct on the part  of  an  Issuing  Bank  (as
finally  determined  by  a  court of competent jurisdiction), such Issuing Bank
shall  be  deemed  to have exercised  care  in  each  such  determination.   In
furtherance of the foregoing  and  without limiting the generality thereof, the
parties agree that, with respect to  documents  presented which appear on their
face to be in substantial compliance with the terms  of  a Letter of Credit, an
Issuing Bank may, in its sole discretion, either accept and  make  payment upon
such documents without responsibility for further investigation, regardless  of
any notice or information to the contrary, or refuse to accept and make payment
upon  such  documents  if  such documents are not in strict compliance with the
terms of such Letter of Credit.

             (g)    Disbursement   Procedures.   The  applicable  Issuing  Bank
shall, promptly following its receipt thereof, examine all documents purporting
to represent a demand for payment under a Letter of Credit.  Issuing Bank shall
promptly notify Administrative Agent  and  Company  by  telephone (confirmed by
telecopy) of such demand for payment and whether Issuing  Bank has made or will
make a Letter of Credit Disbursement thereunder; provided,  any failure to give
or delay in giving such notice shall not relieve Company of its  obligation  to
reimburse  the applicable Issuing Bank and the Lenders with respect to any such
Letter of Credit Disbursement.
                                        -51-
<PAGE>

             (h)    Interim Interest.  If an Issuing Bank shall make any Letter
of Credit Disbursement,  then,  unless  Company  shall reimburse such Letter of
Credit Disbursement in full on the date such Letter  of  Credit Disbursement is
made,  the  unpaid amount thereof shall bear interest, for each  day  from  and
including the  date such Letter of Credit Disbursement is made to but excluding
the date that Company  reimburses  such  Letter  of Credit Disbursement, at the
rate per annum then applicable to Revolving Loans  that  are  Base  Rate Loans;
provided, if Company fails to reimburse such Letter of Credit Disbursement when
due  pursuant  to paragraph (e) of this Section, then such unpaid amount  shall
bear interest at a rate which is 2% per annum in excess of the rate of interest
otherwise applicable  to  Revolving  Loans  that are Base Rate Loans.  Interest
accrued pursuant to this paragraph shall be for  the  account  of Issuing Bank,
except  that  interest accrued on and after the date of payment by  any  Lender
pursuant to paragraph (e) of this Section to reimburse an Issuing Bank shall be
for the account of such Lender to the extent of such payment.

             (i)    Replacement  of Issuing Bank; Additional Issuing Banks.  An
Issuing Bank may be replaced at any  time  by  written agreement among Company,
Administrative Agent, the replaced Issuing Bank and the successor Issuing Bank.
Administrative Agent shall notify the Lenders of  any  such  replacement  of an
Issuing Bank.  At the time any such replacement shall become effective, Company
shall pay all unpaid fees accrued for the account of the replaced Issuing Bank.
From  and  after  the effective date of any such replacement, (A) the successor
Issuing Bank shall have all the rights and obligations of an Issuing Bank under
this Agreement with  respect  to  Letters of Credit to be issued thereafter and
(B) references herein to the term "Issuing  Bank"  shall  be deemed to refer to
such successor or to any previous Issuing Bank, or to such  successor  and  all
previous Issuing Banks, as the context shall require.  After the replacement of
an  Issuing  Bank  hereunder,  the  replaced  Issuing Bank shall remain a party
hereto and shall continue to have all the rights  and obligations of an Issuing
Bank under this Agreement with respect to Letters of  Credit issued by it prior
to such replacement, but shall not be required to issue  additional  Letters of
Credit.   A  Revolving  Lender may become an Issuing Bank pursuant to a written
agreement among Company,  Administrative  Agent  and  such Revolving Lender (an
"ADDITIONAL ISSUING BANK"), but only if the Issuing Bank  has an insufficiently
high  credit  rating  for  the  issuance  of  the requested Letter  of  Credit,
whereupon Administrative Agent shall notify other  Revolving  Lenders  of  such
Additional  Issuing  Bank.   Upon  becoming  an  Additional  Issuing  Bank, all
references  to "Issuing Bank" herein shall be deemed to include such Additional
Issuing Bank for the purposes of such Letters of Credit.

             (j)    Cash  Collateralization.   If  any  Event  of Default shall
occur and be continuing, on the Business Day that Company receives  notice from
Administrative Agent or the Requisite Class Lenders (or, if the maturity of the
Loans  has  been  accelerated,  Issuing  Bank)  demanding  the  deposit of cash
collateral pursuant to this paragraph, Company shall deposit in an account with
                                        -52-
<PAGE>

Administrative Agent, in the name of Administrative Agent and for  the  benefit
of the Lenders, an amount in cash equal to the Letter of Credit Exposure  as of
such  date  plus  any  accrued  and  unpaid  interest  thereon;  provided,  the
obligation  to deposit such cash collateral shall become effective immediately,
and such deposit  shall  become  immediately due and payable, without demand or
other notice of any kind, upon the  occurrence  of  any  Event  of Default with
respect to Company described in Section 8.1(f) or 8.1(g).  Such deposit shall
be  held  by Administrative  Agent  as  collateral  for  the  payment and
performance of the obligations of Company under this Agreement.  Administrative
Agent  shall have exclusive  dominion  and  control, including the exclusive
right of withdrawal, over such account.  Other than  any  interest  earned on
the investment of such deposits, which investments shall be made at the  option
and sole discretion of Administrative Agent and at Company's risk and expense,
such deposits shall not bear  interest.   Interest  or  profits,  if  any,  on
such  investments  shall accumulate  in  such  account.   Moneys  in such
account shall  be  applied  by Administrative Agent to reimburse the applicable
Issuing  Bank  for  Letter of Credit  Disbursements  for  which it has not been
reimbursed and, to the extent not  so  applied, shall be held  for  the
satisfaction  of  the  reimbursement obligations  of  Company at such time or,
if the maturity of the Loans has been accelerated (but subject to  the  consent
of   Issuing  Bank),  be applied to satisfy  other  obligations  of  Company
under this Agreement.  If Company  is required to provide an amount of cash
collateral  hereunder  as a result of the occurrence of an Event of Default,
such amount (to the extent  not  applied  as aforesaid)  shall  be  promptly
returned to Company after all Events of Default have been cured or waived.

             (k)    Existing Letters of Credit.

                    (i)   Company,  the Agents and Issuing Bank acknowledge the
       issuance of the Existing Letters  of Credit and agree that such Existing
       Letters of Credit shall constitute  Letters  of  Credit  pursuant to the
       terms and conditions of this Agreement and the other Credit Documents.

                    (ii)  Company, the Agents and Issuing Bank acknowledge that
       notwithstanding  any  of  the  provisions  of  this  Section 2.5,  Fleet
       National  Bank  shall  not have any obligation to issue new  Letters  of
       Credit, nor will it be obligated  to  replace  its  Existing  Letters of
       Credit at the expiration thereof.

       2.6.  SWING LINE LOANS

             .

             (a)    Swing   Line   Loans   Commitment.   During  the  Revolving
Commitment  Period,  subject to the terms and  conditions  hereof,  Swing  Line
Lender hereby agrees to  make  Swing  Line  Loans  to  Company in the aggregate
amount up to but not exceeding the Swing Line Sublimit;  provided, after giving
effect  to  the  making  of  any Swing Line Loan, in no event shall  the  Total
Utilization of Revolving Commitments  exceed  the Revolving Commitments then in
effect.   Amounts  borrowed pursuant to this Section  2.6  may  be  repaid  and
reborrowed  during  the  Revolving  Commitment  Period.   Swing  Line  Lender's
                                        -53-
<PAGE>

Revolving Commitment  shall expire on the Revolving Commitment Termination Date
and Company shall repay  the  then  unpaid  principal amount of each Swing Line
Loan and any accrued and unpaid interest thereon  as  of the earlier of (i) the
Revolving  Commitment  Termination  Date,  (ii) any date on  which  Company  is
borrowing Revolving Loans and (iii) the first  date  at least two Business Days
after such Swing Line Loan is made that is the 15th or last day of any calendar
month.

             (b)    Borrowing Mechanics for Swing Line Loans.

                    (i)   Swing  Line  Loans  shall  be made  in  an  aggregate
       minimum  amount  of  $1,000,000 and integral multiples  of  $100,000  in
       excess of that amount.

                    (ii)  Whenever  Company desires that Swing Line Lender make
       a Swing Line Loan, Company shall  deliver  to  Swing Line Lender, with a
       copy  to  Administrative  Agent (subject to Section  3.2(b))  a  Funding
       Notice no later than 12:00  p.m.  (New  York  City time) on the proposed
       Credit Date.

                    (iii) Swing Line Lender shall make  the amount of its Swing
       Line  Loan available to Administrative Agent not later  than  2:00  p.m.
       (New York  City  time) on the applicable Credit Date by wire transfer of
       same day funds in  Dollars,  at Administrative Agent's Principal Office.
       Except as provided herein, upon satisfaction or waiver of the conditions
       precedent specified herein, Administrative Agent shall make the proceeds
       of such Swing Line Loans available  to  Company on the applicable Credit
       Date by causing an amount of same day funds  in  Dollars  equal  to  the
       proceeds  of  all such Swing Line Loans received by Administrative Agent
       from Swing Line  Lender  to  be  credited  to  an  account designated in
       writing to Administrative Agent by Company.

                    (iv)  With respect to any Swing Line Loans  which  have not
       been prepaid by Company pursuant to Section 2.15 or Section 2.16,  Swing
       Line Lender may at any time in its sole and absolute discretion, deliver
       to  Administrative  Agent  (with a copy to Company), no later than 11:00
       a.m. (New York City time) at  least  one  Business Day in advance of the
       proposed Credit Date, a notice (which shall  be  deemed  to be a Funding
       Notice given by Company) requesting that each Lender holding a Revolving
       Commitment make Revolving Loans that are Base Rate Loans to  Company  on
       such  Credit  Date  in  an amount equal to the amount of such Swing Line
       Loans (the "REFUNDED SWING  LINE  LOANS")  outstanding  on the date such
       notice  is  given  which Swing Line Lender requests Lenders  to  prepay.
       Anything contained in  this  Agreement  to the contrary notwithstanding,
       (1) the proceeds of such Revolving Loans  made by the Lenders other than
       Swing Line Lender shall be immediately delivered by Administrative Agent
       to  Swing  Line  Lender  (and not to Company) and  applied  to  repay  a
       corresponding portion of the  Refunded  Swing  Line Loans and (2) on the
       day such Revolving Loans are made, Swing Line Lender's Pro Rata Share of
       the  Refunded  Swing  Line Loans shall be deemed to  be  paid  with  the
                                        -54-
<PAGE>

       proceeds of a Revolving  Loan  made by Swing Line Lender to Company, and
       such portion of the Swing Line Loans  deemed  to  be  so  paid  shall no
       longer  be  outstanding  as Swing Line Loans and shall no longer be  due
       under  the Swing Line Note  of  Swing  Line  Lender  but  shall  instead
       constitute  part  of  Swing Line Lender's outstanding Revolving Loans to
       Company and shall be due under the Revolving Loan Note issued by Company
       to Swing Line Lender.   Company  hereby  authorizes Administrative Agent
       and Swing Line Lender to charge Company's  accounts  with Administrative
       Agent  and Swing Line Lender (up to the amount available  in  each  such
       account) in order to immediately pay Swing Line Lender the amount of the
       Refunded  Swing  Line Loans to the extent the proceeds of such Revolving
       Loans made by Lenders, including the Revolving Loan deemed to be made by
       Swing Line Lender,  are  not  sufficient  to  repay in full the Refunded
       Swing Line Loans.  If any portion of any such amount  paid (or deemed to
       be  paid) to Swing Line Lender should be recovered by or  on  behalf  of
       Company  from  Swing  Line  Lender  in bankruptcy, by assignment for the
       benefit of creditors or otherwise, the  loss  of the amount so recovered
       shall be ratably shared among all the Revolving Lenders.

                    (v)   If  for  any  reason Revolving  Loans  are  not  made
       pursuant to Section 2.6(b)(iv) in  an  amount  sufficient  to  repay any
       amounts  owed  to Swing Line Lender in respect of any outstanding  Swing
       Line Loans on or  before the third Business Day after demand for payment
       thereof by Swing Line Lender, each Lender holding a Revolving Commitment
       shall be deemed to, and hereby agrees to, have purchased a participation
       in such outstanding  Swing Line Loans, and in an amount equal to its Pro
       Rata  Share  of  the applicable  unpaid  amount  together  with  accrued
       interest thereon.   Upon  one  Business  Day's  notice  from  Swing Line
       Lender,  each  Lender  holding  a Revolving Commitment shall deliver  to
       Swing Line Lender an amount equal to its respective participation in the
       applicable unpaid amount in same  day  funds  at the Principal Office of
       Swing Line Lender. In order to evidence such participation  each  Lender
       holding  a  Revolving  Commitment  agrees  to enter into a participation
       agreement  at the request of Swing Line Lender  in  form  and  substance
       reasonably satisfactory  to  Swing Line Lender.  In the event any Lender
       holding a Revolving Commitment  fails  to  make  available to Swing Line
       Lender  the amount of such Lender's participation as  provided  in  this
       paragraph, Swing Line Lender shall be entitled to recover such amount on
       demand from  such  Lender  together  with  interest  thereon  for  three
       Business Days at the rate customarily used by Swing Line Lender for  the
       correction  of  errors  among  banks and thereafter at the Base Rate, as
       applicable.

                    (vi)  Notwithstanding  anything  contained  herein  to  the
       contrary,  (1)  each Lender's obligation to make Revolving Loans for the
       purpose of repaying any Refunded Swing Line Loans pursuant to the second
       preceding  paragraph   and   each  Lender's  obligation  to  purchase  a
       participation in any unpaid Swing Line Loans pursuant to the immediately
       preceding paragraph shall be absolute and unconditional and shall not be
       affected  by any circumstance,  including  without  limitation  (A)  any
                                        -55-
<PAGE>

       set-off, counterclaim,  recoupment,  defense  or  other right which such
       Lender may have against Swing Line Lender, any Credit Party or any other
       Person for any reason whatsoever; (B) the occurrence  or continuation of
       a Default or Event of Default; (C) any adverse change in  the  business,
       operations,  properties,  assets, condition (financial or otherwise)  or
       prospects of any Credit Party;  (D)  any breach of this Agreement or any
       other  Credit  Document  by  any  party  thereto;   or   (E)  any  other
       circumstance, happening or event whatsoever, whether or not  similar  to
       any  of  the foregoing; and (2) Swing Line Lender shall not be obligated
       to make any  Swing  Line  Loans (A) if it has elected not to do so after
       the occurrence and during the  continuation  of  a  Default  or Event of
       Default or (B) at a time when a Funding Default exists unless Swing Line
       Lender  has entered into arrangements satisfactory to it and Company  to
       eliminate  Swing  Line  Lender's  risk  with  respect  to the Defaulting
       Lender's  participation  in  such  Swing  Ling Loan, including  by  cash
       collateralizing  such  Defaulting  Lender's  Pro   Rata   Share  of  the
       outstanding Swing Line Loans.

       2.7.  PRO RATA SHARES; AVAILABILITY OF FUNDS

             .

             (a)    Pro  Rata  Shares.   All  Loans  shall  be  made,  and  all
participations  purchased,  by  Lenders  simultaneously and proportionately  to
their respective Pro Rata Shares, it being  understood  that no Lender shall be
responsible  for  any  default  by  any  other  Lender  in such other  Lender's
obligation  to  make  a  Loan requested hereunder or purchase  a  participation
required  hereby nor shall  any  Commitment  of  any  Lender  be  increased  or
decreased as  a  result of a default by any other Lender in such other Lender's
obligation to make  a  Loan  requested  hereunder  or  purchase a participation
required hereby.

             (b)    Availability of Funds.  Unless Administrative  Agent  shall
have  been notified by any Lender prior to the applicable Credit Date that such
Lender  does not intend to make available to Administrative Agent the amount of
such Lender's  Loan  requested  on  such  Credit Date, Administrative Agent may
assume that such Lender has made such amount  available to Administrative Agent
on such Credit Date and Administrative Agent may,  in  its sole discretion, but
shall not be obligated to, make available to Company a corresponding  amount on
such  Credit  Date.  If such corresponding amount is not in fact made available
to Administrative  Agent by such Lender, Administrative Agent shall be entitled
to recover such corresponding  amount  on demand from such Lender together with
interest thereon, for each day from such Credit Date until the date such amount
is paid to Administrative Agent, at the  customary  rate  set by Administrative
Agent  for  the  correction of errors among banks for three Business  Days  and
thereafter at the  Base  Rate.   If such Lender does not pay such corresponding
amount forthwith upon Administrative  Agent's  demand  therefor, Administrative
Agent  shall  promptly  notify Company and Company shall immediately  pay  such
corresponding amount to Administrative  Agent  together  with interest thereon,
for  each  day  from  such Credit Date until the date such amount  is  paid  to
Administrative Agent, at  the  rate  payable  hereunder for Base Rate Loans for
                                        -56-
<PAGE>

such Class of Loans.  Nothing in this Section 2.7(b) shall be deemed to relieve
any Lender from its obligation to fulfill its Term Loan Commitment,  its
Revolving Commitment  or  its  obligation to purchase participations in Letters
of Credit pursuant to Section 2.5(d)  hereunder  or  to prejudice any rights
that Company may  have  against  any  Lender  as  a result of any  default  by
such  Lender hereunder.

       2.8.  USE OF PROCEEDS

             .  The proceeds of the 2004  Effective Date Term Loans made on the
2004 Effective Date were applied by Company  on  the  2004  Effective  Date  to
prepay  Term  Loans  and Delayed Draw Loans (each as defined in the 2003 Credit
Agreement) outstanding under the 2003 Credit Agreement and, after prepayment of
such Term Loans and Delayed  Draw  Loans in full, otherwise for working capital
and  general  corporate purposes of the  Company  and  its  Subsidiaries.   The
proceeds of the New Term Loans made on the Second Amendment Effective Date will
be used to fund  the  Kerr  Acquisition  and  for  general  corporate  purposes
(including refinancing or retiring substantially all existing debt of Kerr  and
its Subsidiaries and redeeming all preferred stock of Kerr and its Subsidiaries
and  paying  fees,  commissions  and  expenses  in  connection  with  the  Kerr
Acquisition).   The  proceeds  of  the  Revolving  Loans,  Swing Line Loans and
Letters  of  Credit  made  after  the 2004 Effective Date shall be  applied  by
Company  for  Permitted  Acquisition  Expenses   working  capital  and  general
corporate purposes of Company and its Subsidiaries;  provided,  however,  in no
event  will  the  proceeds  of  Revolving  Loans  be  used  for the purposes of
prepaying  Loans  as  permitted under Section 2.15 hereof. The proceeds  of any
Incremental Term Loan shall be used as set  forth in the applicable Incremental
Term Loan Notice or, where and so provided, for  working  capital  and  general
corporate purposes of Company and its Subsidiaries.  No portion of the proceeds
of any Credit Extension shall be used in any manner that causes or might  cause
such   Credit  Extension  or  the  application  of  such  proceeds  to  violate
Regulation T,  Regulation U  or  Regulation X  of the Board of Governors of the
Federal  Reserve  System  or any other regulation thereof  or  to  violate  the
Exchange Act.

       2.9.  EVIDENCE OF DEBT; REGISTER; LENDERS' BOOKS AND RECORDS; NOTES

             .

             (a)    Lenders'  Evidence  of Debt.  Each Lender shall maintain on
its  internal records an account or accounts  evidencing  the  Indebtedness  of
Company  to such Lender, including the amounts of the Loans made by it and each
repayment  and  prepayment  in  respect thereof.  Any such recordation shall be
conclusive and binding on Company,  absent manifest error; provided, failure to
make any such recordation, or any error  in  such recordation, shall not affect
any Lender's Commitments or Company's Obligations  in respect of any applicable
Loans;  and  provided  further, in the event of any inconsistency  between  the
Register and any Lender's  records,  the  recordations  in  the  Register shall
govern.

             (b)    Register.   Administrative  Agent,  acting  on  behalf   of
Company, shall maintain at its Principal Office  a register for the recordation
of  the  names  and  addresses of Lenders and the Commitments and Loans of each
Lender from time to time (the "REGISTER").  The Register shall be available for
inspection by Company  or  any  Lender (with respect to entries related to such
                                        -57-
<PAGE>

Lender) at any reasonable time and  from  time  to  time  upon reasonable prior
request.  Administrative Agent shall record in the Register the Commitments and
the Loans, and each repayment or prepayment in respect of the  principal amount
of  the  Loans,  and  any  such recordation shall be conclusive and binding  on
Company and each Lender, absent  manifest  error; provided, failure to make any
such  recordation,  or  any error in such recordation,  shall  not  affect  any
Lender's Commitments or Company's  Obligations in respect of any Loan.  Company
hereby designates DBTCA to serve as  Company's  agent  solely  for  purposes of
maintaining the Register as  provided  in  this Section 2.9, and Company hereby
agrees  that,  to  the  extent DBTCA serves in such  capacity,  DBTCA  and  its
officers,  directors,  employees,   agents   and  affiliates  shall  constitute
"Indemnitees."

             (c)    Notes.   (i)  If so requested  by  any  Lender  by  written
notice to Company (with a copy  to  Administrative Agent) at least two Business
Days prior to the Second Amendment Effective  Date,  or at any time thereafter,
Company shall execute and deliver to such Lender (and/or,  if applicable and if
so specified in such notice, to any Person who is an assignee  of  such  Lender
pursuant to Section 10.6) on  the  Second Amendment Effective Date (or, if such
notice is delivered after the Second  Amendment  Effective Date, promptly after
Company's receipt of such notice) a Note or Notes  to  evidence  such  Lender's
Term  Loan,  Swing  Line Loan, Incremental Term Loan or Revolving Loan, as  the
case may be.

       2.10. INTEREST ON LOANS

             .

             (a)    Except  as  otherwise  set forth herein, each Class of Loan
shall bear interest on the unpaid principal  amount  thereof from the date made
through repayment (whether by acceleration or otherwise) thereof as follows:

                    (i)   in the case of Revolving Loans:

                          (1)    if a Base Rate Loan,  at  the Base Rate
             plus the Applicable Margin; or

                          (2)    if  a  Eurodollar  Rate  Loan,  at  the
             Adjusted Eurodollar Rate plus the Applicable Margin;

                    (ii)  in the case of Swing Line Loans,  at  the  Base  Rate
       plus the Applicable Margin; and

                    (iii) in the case of Term Loans:

                          (1)    if  a  Base Rate Loan, at the Base Rate
             plus the Applicable Margin; or

                          (2)    if  a  Eurodollar  Rate  Loan,  at  the
             Adjusted Eurodollar Rate plus the Applicable Margin.
                                        -58-
<PAGE>

             (b)    The basis for determining the rate of interest with respect
to any Loan (except a Swing Line Loan), and the Interest Period with respect to
any  Eurodollar  Rate  Loan,  shall be selected  by  Company  and  notified  to
Administrative Agent and Lenders  pursuant  to the applicable Funding Notice or
Conversion/Continuation Notice, as the case may be; provided, until the earlier
of (A) the date that Administrative Agent notifies  Company  that  the  primary
syndication  of  the  New  Term Loan Commitments has been completed and (B) the
date that is 30 days following  the  Second  Amendment  Effective Date, the New
Term Loans shall be maintained as either (1) Eurodollar Rate  Loans  having  an
Interest  Period of no longer than one month or (2) Base Rate Loans.  If on any
day  a  Loan  is  outstanding  with  respect  to  which  a  Funding  Notice  or
Conversion/Continuation  Notice  has not been delivered to Administrative Agent
in  accordance  with  the terms hereof  specifying  the  applicable  basis  for
determining the rate of  interest,  then for that day such Loan shall be a Base
Rate Loan.  Swing Line Loans shall be  made  and  maintained  only as Base Rate
Loans.

             (c)    In connection with Eurodollar Rate Loans there  shall be no
more  than ten Interest Periods outstanding at any time.  In the event  Company
fails to  specify  between  a  Base  Rate Loan or a Eurodollar Rate Loan in the
applicable  Funding Notice or Conversion/Continuation  Notice,  such  Loan  (if
outstanding as  a  Eurodollar Rate Loan) will be automatically converted into a
Base Rate Loan on the  last  day  of  the then-current Interest Period for such
Loan (or if outstanding as a Base Rate  Loan  will  remain  as, or (if not then
outstanding) will be made as, a Base Rate Loan).  In the event Company fails to
specify  an  Interest  Period  for  any Eurodollar Rate Loan in the  applicable
Funding Notice or Conversion/Continuation  Notice,  Company  shall be deemed to
have  selected  an Interest Period of one month.  As soon as practicable  after
10:00 a.m. (New York  City  time)  on  each  Interest  Rate Determination Date,
Administrative  Agent  shall  determine  (which  determination   shall,  absent
manifest error, be final, conclusive and binding upon all parties) the interest
rate  that shall apply to the Eurodollar Rate Loans for which an interest  rate
is then  being determined for the applicable Interest Period and shall promptly
give notice  thereof  in  writing  (it  being understood that electronic notice
shall constitute writing) to Company and each Lender in the applicable Class.

             (d)    Interest  payable pursuant  to  Section  2.10(a)  shall  be
computed (i) in the case of Base  Rate  Loans  on  the  basis  of  a 365-day or
366-day  year,  as  the  case  may be, and (ii) in the case of Eurodollar  Rate
Loans, on the basis of a 360-day  year,  in  each case for the actual number of
days elapsed in the period during which it accrues.   In  computing interest on
any Loan, the date of the making of such Loan or the first  day  of an Interest
Period  applicable  to  such  Loan  or, with respect to a Base Rate Loan  being
converted  from  a  Eurodollar  Rate Loan,  the  date  of  conversion  of  such
Eurodollar Rate Loan to such Base  Rate  Loan,  as  the  case  may be, shall be
included,  and the date of payment of such Loan or the expiration  date  of  an
Interest Period  applicable  to  such Loan or, with respect to a Base Rate Loan
being converted to a Eurodollar Rate  Loan, the date of conversion of such Base
Rate Loan to such Eurodollar Rate Loan,  as the case may be, shall be excluded;
provided, if a Loan is repaid on the same  day  on  which it is made, one day's
interest shall be paid on that Loan.
                                        -59-
<PAGE>

             (e)    Except as otherwise set forth herein, interest on each Loan
shall be payable in arrears on and to (i) each Interest Payment Date applicable
to that Loan; (ii) any prepayment of that Loan, whether voluntary or mandatory,
to  the  extent  accrued  on the amount being prepaid; and  (iii) at  maturity,
including final maturity; provided,  however,  with  respect  to  any voluntary
prepayment  of  a Base Rate Loan, accrued interest shall instead be payable  on
the applicable Interest Payment Date.

       2.11. CONVERSION/CONTINUATION

             .

             (a)  Subject to Section 2.20 and so long as no Default or Event of
Default shall have occurred and then  be  continuing,  Company  shall  have the
option:

                    (i)   to  convert  at any time all or any part of any  Loan
       equal to $500,000 and integral multiples  of  $100,000 in excess of that
       amount  from  one  Type  of Loan to another Type of  Loan;  provided,  a
       Eurodollar Rate Loan may only  be  converted  on  the  expiration of the
       Interest Period applicable to such Eurodollar Rate Loan  unless  Company
       shall  pay  all  amounts  due under Section 2.20 in connection with any
       such conversion; or

                    (ii)  upon the expiration of any Interest Period applicable
       to any Eurodollar Rate Loan, to continue all or any portion of such Loan
       equal to $500,000 and integral  multiples  of $100,000 in excess of that
       amount as a Eurodollar Rate Loan.

             (b)    The Company shall deliver a Conversion/Continuation  Notice
to  Administrative Agent no later than 11:00 a.m. (New York City time) at least
one Business  Day in advance of the proposed Conversion/Continuation Notice (in
the case of a conversion  to a Base Rate Loan) and at least three Business Days
in advance of the proposed  Conversion/Continuation  Date  (in  the  case  of a
conversion  to,  or  a  continuation  of,  a  Eurodollar Rate Loan).  Except as
otherwise provided herein, a Conversion/ Continuation Notice for conversion to,
or continuation of, any Eurodollar Rate Loans (or  telephonic  notice  in  lieu
thereof)   shall  be  irrevocable  on  and  after  the  related  Interest  Rate
Determination  Date,  and  Company  shall  be  bound  to effect a conversion or
continuation in accordance therewith.

       2.12. DEFAULT INTEREST

             .  Upon the occurrence and during the continuance  of  an Event of
Default,  the  principal  amount  of  all  Loans outstanding and, to the extent
permitted by applicable law, any interest payments  on the Loans or any fees or
other  amounts  owed  hereunder,  shall  thereafter  bear  interest  (including
post-petition  interest in any proceeding under the Bankruptcy  Code  or  other
applicable bankruptcy laws) payable on demand at a rate that is 2% per annum in
excess of the interest  rate  otherwise  payable  hereunder with respect to the
applicable Loans (or, in the case of any such fees and other amounts, at a rate
which  is  2%  per  annum  in  excess  of the interest rate  otherwise  payable
hereunder for Base Rate Loans); provided, in the case of Eurodollar Rate Loans,
upon the expiration of the Interest Period  in  effect  at  the  time  any such
increase  in  interest  rate  is  effective  such  Eurodollar  Rate Loans shall
thereupon  become  Base  Rate Loans and shall thereafter bear interest  payable
                                        -60-
<PAGE>

upon demand at a rate which  is  2%  per  annum  in excess of the interest rate
otherwise payable hereunder for Base Rate Loans.   Payment or acceptance of the
increased rates of interest provided for in this Section 2.12 is not a
permitted alternative to timely payment and shall not constitute a waiver of
any Event of Default   or   otherwise   prejudice   or  limit  any  rights
or  remedies  of Administrative Agent or any Lender.

       2.13. FEES

             .

             (a)    Company agrees to pay to Lenders having Revolving Exposure:

                    (i)   commitment fees equal to (1) the average of the daily
       difference between (a) the Revolving  Commitments,  and  (b)  the sum of
       (x) the  aggregate principal amount of outstanding Revolving Loans  (but
       not Swing Line Loans) plus (y) the Letter of Credit Usage, times (2) the
       Applicable Revolving Commitment Fee Percentage; and

                    (ii)  letter  of  credit  fees  equal to (1) the Applicable
       Margin for Revolving Loans that are Eurodollar Rate Loans, times (2) the
       average aggregate daily maximum amount available  to  be drawn under all
       such Letters of Credit (regardless of whether any conditions for drawing
       could then be met and determined as of the close of business on any date
       of determination).

All fees referred to in Section 2.13(a) shall be paid to Administrative  Agent
at its Principal   Office  and  upon  receipt,  Administrative  Agent  shall
promptly distribute to each Lender its Pro Rata Share thereof.

             (b)    Company  agrees  to  pay directly to each Issuing Bank, for
its own account, the following fees:

                    (i)   a fronting fee in  an  amount  equal to (1) an amount
       per  annum (not to exceed 0.25%) as may be agreed by  Company  and  such
       Issuing  Bank,  times  (2)  the  average  aggregate daily maximum amount
       available to be drawn under all Letters of  Credit (determined as of the
       close of business on any date of determination); and

                    (ii)  such  documentary  and  processing  charges  for  any
       issuance, amendment, transfer or payment of a Letter of Credit as are in
       accordance with the applicable Issuing Bank's standard schedule for such
       charges  and  as  in  effect  at the time of such  issuance,  amendment,
       transfer or payment, as the case may be.

             (c)    Company agrees to  pay to each Incremental Term Loan Lender
the fees, if any, required to be paid by  it  under  any  Incremental Term Loan
Notice.

             (d)    Company agrees to pay to each Incremental  Revolving Lender
the  fees,  if  any, required to be paid by it under any Incremental  Revolving
Notice.
                                        -61-
<PAGE>

             (e)   All fees referred to in Section 2.13(a) and 2.13(b)(i) shall
be calculated on the basis of a 360-day  year and the actual number of days
elapsed and shall be payable quarterly in arrears on March 31, June 30,
September 30 and December 31 of each year during the applicable  Commitment
Period, commencing  on  the first such date to occur after the Original Closing
Date, and on the applicable Commitment Termination Date.

             (f)    In addition to any of the foregoing fees, Company agrees to
pay to Agents such other fees in the amounts and at the times separately agreed
upon.

       2.14. SCHEDULED PAYMENTS/COMMITMENT REDUCTIONS

             .

             (a)    Scheduled  Installments.  The principal amounts of the Term
Loans shall be repaid in consecutive quarterly installments (each, a "TERM LOAN
INSTALLMENT") in the aggregate amounts  and  on  the  dates (each, a "TERM LOAN
INSTALLMENT DATE") set forth below, commencing on September 30, 2005.

<TABLE>
<CAPTION>
TERM LOAN INSTALLMENT DATETERM LOAN INSTALLMENT
<S>                        <C>
September 30, 2005        $1,987,500
December 31, 2005         $1,987,500
March 31, 2006            $1,987,500
June 30, 2006             $1,987,500
September 30, 2006        $1,987,500
December 31, 2006         $1,987,500
March 31, 2007            $1,987,500
June 30, 2007             $1,987,500
September 30, 2007        $1,987,500
December 31, 2007         $1,987,500
March 31, 2008            $1,987,500
June 30, 2008             $1,987,500
September 30, 2008        $1,987,500
December 31, 2008         $1,987,500
March 31, 2009            $1,987,500
June 30, 2009             $1,987,500
September 30, 2009        $1,987,500
                                        -62-
<PAGE>

December 31, 2009         $1,987,500
March 31, 2010            $1,987,500
June 30, 2010             $1,987,500
September 30, 2010        $1,987,500
December 31, 2010         $188,315,625
March 31, 2011            $188,315,625
June 30, 2011             $188,315,625
September 30, 2011        $188,315,625
</TABLE>

             (b)    The principal amount of any Incremental  Term Loan shall be
repaid  in  such  amounts  and on such dates (each, an "INCREMENTAL  TERM  LOAN
INSTALLMENT DATE") as provided in the applicable Incremental Term Loan Notice.

             (c)    Notwithstanding  the  foregoing, (i) Term Loan Installments
and Incremental Term Loan Installments shall  be reduced in connection with any
voluntary or mandatory prepayments of the Term  Loans  or  the Incremental Term
Loans, as the case may be, in accordance with Sections 2.15, 2.16, and 2.17,
as applicable; and (ii) the Term Loans and the Incremental Term Loans, together
with all other amounts  owed  hereunder or under the applicable Incremental
Term  Loan  Notice with respect thereto,  shall,  in  any event, be paid in full
no later than the Term Loan Maturity Date and the applicable Incremental Term
Loan Maturity Date, respectively.

       2.15. VOLUNTARY PREPAYMENTS/COMMITMENT REDUCTIONS

             .

             (a)    Voluntary Prepayments.

                    (i)   Any time and from time to time:

                          (1)    with  respect to Base Rate Loans (other
             than Swing Line Loans), Company  may  prepay any such Loans
             on any Business Day in whole or in part,  in  an  aggregate
             minimum  amount  of  $1,000,000  and integral multiples  of
             $500,000 in excess of that amount;

                          (2)    with respect to  Eurodollar Rate Loans,
             Company may prepay any such Loans on any  Business  Day  in
             whole  or  in  part  in  an  aggregate  minimum  amount  of
             $1,000,000  and integral multiples of $500,000 in excess of
             that amount; and
                                        -63-
<PAGE>

                          (3)    with   respect  to  Swing  Line  Loans,
             Company may prepay any such  Loans  on  any Business Day in
             whole  or  in  part  in  an  aggregate  minimum  amount  of
             $1,000,000, and in integral multiples of $100,000 in excess
             of that amount.

                    (ii)  All such prepayments shall be made:

                          (1)    in the case of Base Rate  Loans  (other
             than  Swing  Line  Loans),  upon not less than one Business
             Day's prior written or telephonic  notice to Administrative
             Agent;

                          (2)    in the case of Eurodollar  Rate  Loans,
             upon  not  less than three Business Days' prior written  or
             telephonic notice to Administrative Agent; and

                          (3)    in  the  case of Swing Line Loans, upon
             written or telephonic notice on  the  date of prepayment to
             Administrative Agent and Swing Line Lender;

in each case given by 12:00 p.m. (New York City time) on the date required and,
if given by telephone, promptly confirmed in writing  to  Administrative  Agent
(and  Administrative  Agent  will promptly transmit such telephonic or original
notice for Term Loans or Revolving Loans, as the case may be, by telefacsimile,
electronic notice or telephone  to each Lender in the applicable Class) and, as
applicable,  Swing Line Lender.  Upon  the  giving  of  any  such  notice,  the
principal amount  of  the  Loans  specified in such notice shall become due and
payable on the prepayment date specified therein.

             (b)    Voluntary Commitment Reductions.

                    (i)   Company may,  upon not less than three Business Days'
       prior   written   or  telephonic  notice   confirmed   in   writing   to
       Administrative  Agent  (which  original  written  or  telephonic  notice
       Administrative Agent will promptly transmit by telefacsimile, electronic
       notice or telephone  to  each  applicable  Lender), at any time and from
       time to time terminate in whole or permanently  reduce  in part, without
       premium  or  penalty,  during  the  Revolving  Commitment  Period,   the
       Revolving  Commitments  in  an  amount  up  to  the  amount by which the
       Revolving   Commitments  exceed  the  Total  Utilization  of   Revolving
       Commitments at  the  time  of  such  proposed  termination or reduction;
       provided,  any  such partial reduction of Commitments  shall  be  in  an
       aggregate  minimum  amount  of  $1,000,000  and  integral  multiples  of
       $500,000 in excess of that amount.

                    (ii)  Company's   notice   to  Administrative  Agent  shall
       designate the date (which shall be a Business  Day)  of such termination
       or  reduction  and  the  amount  of  any  partial  reduction,  and  such
       termination or reduction of the Commitments shall be  effective  on  the
                                        -64-
<PAGE>

       date  specified  in  Company's notice and shall reduce the Commitment of
       each Lender proportionately to its Pro Rata Share thereof.

       2.16. MANDATORY PREPAYMENTS/COMMITMENT REDUCTIONS

             .

             (a)    Asset  Sales.    No  later  than  the  first  Business  Day
following the date of receipt by Holdings or any of its Subsidiaries of any Net
Asset  Sale  Proceeds, Company shall prepay  Loans  and/or  permanently  reduce
Commitments as set forth in Section 2.17(b)in an aggregate amount equal to 100%
of such Net Asset Sale Proceeds;provided, (i) so long as no Default or Event of
Default  shall have occurred and be continuing  and  (ii) to  the  extent  that
aggregate  Net  Asset  Sale  Proceeds  from the Second Amendment Effective Date
through the applicable date of determination do not exceed $15,000,000, Company
shall have the option, directly or through  one or more of its Subsidiaries, to
invest  Net  Asset Sale Proceeds within three hundred  sixty  days  of  receipt
thereof in long-term productive assets of the general type used in the business
of Company and  its Subsidiaries and upon expiration of the three hundred sixty
day period, prepayment  of  Loans and/or the permanent reduction of Commitments
shall be required with any non-reinvested  proceeds;  provided further, pending
any  such  investment prior to the expiration of the three  hundred  sixty  day
period all such  Net  Asset  Sale Proceeds shall be applied to prepay Revolving
Loans to the extent outstanding (without a reduction in Revolving Commitments).

             (b)    Insurance/Condemnation  Proceeds.   No later than the first
Business  Day  following  the  date  of  receipt  by  Holdings or  any  of  its
Subsidiaries,   or   Administrative   Agent   as   loss  payee,  of   any   Net
Insurance/Condemnation  Proceeds,  Company  shall prepay  Loans  and/or  reduce
Commitments as set forth in Section 2.17(b)in an aggregate amount equal to such
Net Insurance/Condemnation Proceeds;provided, so long as no Default or Event of
Default  shall  have occurred and be continuing, Company shall have the option,
directly or through  one  or  more  of  its  Subsidiaries  to  invest  such Net
Insurance/Condemnation  Proceeds  within  three  hundred  sixty days of receipt
thereof  in  the  repair,  restoration or replacement of the applicable  assets
thereof, or in long term productive  assets  of  the  general  type used in the
business  of  Holdings  and its Subsidiaries with the consent of Administrative
Agent, such consent not to  be unreasonably withheld and upon expiration of the
three  hundred sixty day period,  prepayment  of  Loans  and/or  the  permanent
reduction  of  Commitments  shall be required with any non-reinvested proceeds;
provided further, pending any  such  investment  prior to the expiration of the
three  hundred sixty day period, all such Net Insurance/Condemnation  Proceeds,
as the case  may  be,  shall be applied to prepay Revolving Loans to the extent
outstanding (without a reduction  in Revolving Commitments); provided, further,
if a Default subject to a cure period  under  Section  8.1(e) has occurred, but
such cure period has not yet expired, then (i) until the  earlier  of  (x)  the
cure  of  the  Default  or (y) the expiration of such cure period, all such Net
Insurance/Condemnation Proceeds, as the case may be, shall be applied to prepay
Revolving Loans (without  a  reduction  in  Revolving  Commitments) and, to the
extent  of any excess, held for the benefit of the Lenders  under  arrangements
                                        -65-
<PAGE>

reasonably  satisfactory  to Administrative Agent, and (ii) upon the expiration
of  such  cure  period, unless  the  Default  has  been  cured,  all  such  Net
Insurance/Condemnation Proceeds, as the case may be, shall be applied to prepay
Indebtedness in accordance with the requirements of Section 2.17(b).

             (c)    Issuance  of  Equity Securities.  On the date of receipt by
Holdings or any of its Subsidiaries  after  the 2004 Effective Date of any Cash
proceeds from a capital contribution to, or the  issuance  of any Capital Stock
of, Holdings or any of its Subsidiaries (other than pursuant  to  any  employee
stock  or stock option compensation plan), to the extent such proceeds are  not
used to  pay  Permitted Acquisition Expenses or, solely in the case of proceeds
from Additional  Sponsor  Equity,  Consolidated  Capital  Expenditures, Company
shall  prepay Loans and/or reduce Commitments as set forth in  Section 2.17(b)
in an aggregate  amount  equal to 75% of such remaining proceeds, net of
underwriting discounts and commissions  and  other  reasonable costs and
expenses associated therewith, including reasonable fees and  expenses  of
professional  advisors; provided, during any period in which the Leverage Ratio
(determined for any such period by reference  to  the  most recent Compliance
Certificate delivered pursuant to Section 5.1(c) calculating the Leverage Ratio)
shall be 4.25:1.00 or less, Company shall only be required to make the
prepayments and/or  reductions otherwise required hereby in an amount equal to
50% of such net proceeds.

             (d)    Issuance  of  Debt.  On the date of receipt by Holdings  or
any of its Subsidiaries after the Original  Closing  Date  of any Cash proceeds
from  incurrence  of  any  Indebtedness of Holdings or any of its  Subsidiaries
other than with respect to any  Indebtedness  permitted to be incurred pursuant
to  Section 6.1, excluding Section 6.1(c)(ii), Company  shall  prepay  Loans
and/or reduce Commitments  as  set  forth  in Section 2.17(b) in an aggregate
amount equal to 100% of such proceeds, net of underwriting  discounts and
commissions and other reasonable costs and expenses associated therewith,
including reasonable legal fees and expenses.

             (e)    Consolidated Excess Cash Flow.  In  the  event  that  there
shall  be Consolidated Excess Cash Flow for any Fiscal Year, Company shall,  no
later than  ninety  days after the end of such Fiscal Year, prepay Loans and/or
reduce Commitments as set forth in Section 2.17(b) in an aggregate amount equal
to 75% of such Consolidated  Excess  Cash  Flow;  provided, (i) for any Fiscal
Year in which the Leverage Ratio (determined for any  such  Fiscal Year by
reference to the  most  recent  applicable  Compliance  Certificate  delivered
pursuant to Section 5.1(c) and disregarding any increase in Consolidated
Adjusted EBITDA that was attributable to the application of the proceeds of the
exercise of a Cure Right with respect to any Fiscal Quarter during a four
Fiscal Quarter period ended on the last day of such Fiscal Quarter) is less
than 4.75:1.00  but  equal  to  or greater  than 3.50:1.00, Company shall only
be required to make the prepayments and/or reductions  otherwise  required
hereby in an amount equal to 50% of such Consolidated Excess Cash Flow,  (ii)
for  any Fiscal Year in which the Leverage Ratio (determined for any such
Fiscal Year  by  reference  to  the  most recent applicable  Compliance
Certificate delivered pursuant  to  Section 5.1 (c)  and
                                        -66-
<PAGE>

disregarding any increase in Consolidated Adjusted EBITDA that was attributable
to the application of the proceeds of the exercise of a Cure Right with respect
to any Fiscal Quarter during a four Fiscal Quarter period ended on the last day
of such Fiscal Quarter) is less than 3.50:1.00, but equal  to  or  greater than
2.50:1.00,  Company  shall  only  be  required  to  make the prepayments and/or
reductions  otherwise  required  hereby  in  an amount equal  to  25%  of  such
Consolidated  Excess  Cash Flow and (iii) for any  Fiscal  Year  in  which  the
Leverage Ratio (determined  for  any  such Fiscal Year by reference to the most
recent applicable Compliance Certificate delivered pursuant to Section 5.1(c)
and disregarding any increase in Consolidated Adjusted EBITDA that was
attributable to the application of the proceeds of the exercise of a Cure Right
with respect to any Fiscal Quarter during a four Fiscal Quarter period ended on
the last day of  such Fiscal Quarter) is less than 2.50:1.00, Company shall not
be required to make  any  prepayments  and/or reductions otherwise required by
this Section 2.16(e).

             (f)    Revolving  Loans.   Company  shall from time to time prepay
first,  the Swing Line Loans, and second, the Revolving  Loans  to  the  extent
necessary  so  that the Total Utilization of Revolving Commitments shall not at
any time exceed the Revolving Commitments then in effect.

             (g)    Prepayment  Certificate.   Concurrently with any prepayment
of  Loans  and/or  reduction of Commitments pursuant  to  Sections 2.16(a)
through 2.16(e), Company shall deliver  to  Administrative  Agent a certificate
of an Authorized Officer demonstrating the calculation of the  amount  of  the
applicable net proceeds or  Consolidated Excess Cash Flow, as the case may be.
In the event that  Company shall subsequently determine  that  the  actual
amount  received exceeded  the amount set forth in such certificate, Company
shall promptly make an additional prepayment of the Loans and/or the Revolving
Commitments shall be permanently  reduced  in  an amount equal to such excess
as provided in Section 2.17, and Company shall concurrently  therewith deliver
to Administrative Agent a certificate of an Authorized Officer  demonstrating
the  derivation  of such excess.

       2.17. APPLICATION OF PREPAYMENTS/REDUCTIONS

             .

             (a)    Application  of  Voluntary  Prepayments  by Class of Loans.
Any  prepayment  of  any Loan pursuant to Section 2.15(a) shall be  applied  as
follows:

                    first,  to  repay  outstanding Swing Line Loans to the full
       extent thereof; and

                    second, as among outstanding  Revolving  Loans, Term Loans,
       and Incremental Term Loans, as Company may direct.

             Any prepayment of any Term Loan or Incremental Term  Loan pursuant
to Section 2.15(a) shall be further applied on a pro rata basis to  reduce  the
scheduled remaining installments of principal.
                                        -67-
<PAGE>

             (b)    Application  of  Mandatory  Prepayments  by Class of Loans.
Any  amount  required  to be paid pursuant to Sections 2.16(a) through  2.16(e)
shall be applied as follows:

                    first, to prepay Term Loans and Incremental Term Loans on a
       pro rata basis (in  accordance with the respective outstanding principal
       amounts  thereof  and to  reduce  remaining  scheduled  installments  of
       principal on a pro rata basis);

                    second,  to  prepay the Swing Line Loans to the full extent
       thereof and to permanently  reduce  the  Revolving  Commitments  by  the
       amount of such prepayment;

                    third,  to  pay  outstanding reimbursement obligations with
       respect to drawn Letters of Credit;

                    fourth,  to prepay  Revolving  Loans  to  the  full  extent
       thereof and to permanently  reduce  the  Revolving  Commitments  by  the
       amount of such prepayment;

                    fifth,  to  cash  collateralize  Letters  of  Credit and to
       further permanently reduce the Revolving Loan Commitments by  the amount
       of such cash collateralization; and

                    sixth,   to   further   permanently  reduce  the  Revolving
       Commitments.

             (c)    Application of Prepayments  of Loans to Base Rate Loans and
Eurodollar Rate Loans.  Considering each Type of Loan being prepaid separately,
any prepayment thereof shall be applied first to  Base  Rate  Loans to the full
extent thereof before application to Eurodollar Rate Loans, in  each  case in a
manner  which  minimizes  the  amount  of  any  payments required to be made by
Company pursuant to Section 2.20(c).

       2.18. GENERAL PROVISIONS REGARDING PAYMENTS

             .

             (a)    All payments by Company of principal,  interest,  fees  and
other  Obligations shall be made in Dollars in same day funds, without defense,
setoff or  counterclaim, free of any restriction or condition, and delivered to
Administrative Agent not later than 12:00 p.m. (New York City time) on the date
due at Administrative  Agent's  Principal  Office  for  the account of Lenders;
funds received by Administrative Agent after that time on  such  due date shall
be deemed to have been paid by Company on the next succeeding Business Day.

             (b)    All payments in respect of the principal amount of any Loan
(other than voluntary prepayments of Revolving Loans) shall include  payment of
accrued interest on the principal amount being repaid or prepaid, and  all such
                                        -68-
<PAGE>

payments (and, in any event, any payments in respect of any Loan on a date when
interest is due and payable with respect to such Loan) shall be applied  to the
payment of interest before application to principal.

             (c)    Administrative  Agent  shall  promptly  distribute  to each
Lender  at such address as such Lender shall indicate in writing, such Lender's
applicable  Pro  Rata  Share  of  all payments and prepayments of principal and
interest due hereunder, together with all other amounts due thereto, including,
without  limitation, all fees payable  with  respect  thereto,  to  the  extent
received by Administrative Agent.

             (d)    Notwithstanding  the  foregoing  provisions  hereof, if any
Conversion/Continuation Notice is withdrawn as to any Affected Lender or if any
Affected  Lender  makes  Base Rate Loans in lieu of its Pro Rata Share  of  any
Eurodollar  Rate Loans, Administrative  Agent  shall  give  effect  thereto  in
apportioning payments received thereafter.

             (e)    Subject  to  the  provisos  set  forth in the definition of
"Interest Period", whenever any payment to be made hereunder shall be stated to
be due on a day that is not a Business Day, such payment  shall  be made on the
next  succeeding  Business Day and such extension of time shall be included  in
the computation of  the  payment  of  interest  hereunder  or  of the Revolving
Commitment fees hereunder.

             (f)    Company  hereby authorizes Administrative Agent  to  charge
Company's accounts with Administrative  Agent  in order to cause timely payment
to  be  made  to  Administrative  Agent of all principal,  interest,  fees  and
expenses due hereunder (subject to  sufficient  funds  being  available  in its
accounts for that purpose).

             (g)    Administrative Agent shall deem any payment by or on behalf
of  Company  hereunder  that  is not made in same day funds prior to 12:00 p.m.
(New York City time) to be a non-conforming  payment.   Any  such payment shall
not be deemed to have been received by Administrative Agent until  the later of
(i) the  time  such funds become available funds, and (ii) the applicable  next
Business Day.  Administrative Agent shall give prompt written notice to Company
and each applicable  Lender  (it  being understood that electronic notice shall
constitute a writing) if any payment  is  non-conforming.   Any  non-conforming
payment  may  constitute or become a Default or Event of Default in  accordance
with the terms  of  Section  8.1(a).   Interest shall continue to accrue on any
principal as to which a non-conforming payment  is made until such funds become
available funds (but in no event less than the period  from  the  date  of such
payment  to the next succeeding applicable Business Day) at the rate determined
pursuant to  Section  2.10  from the date such amount was due and payable until
the date such amount is paid in full.

             (h)    If  an Event  of  Default  shall  have   occurred  and  not
otherwise been waived, and  the  maturity  of  the  Obligations shall have been
accelerated  pursuant  to  Section 8.1, all payments or  proceeds  received  by
Agents hereunder in respect  of  any  of  the  Obligations, shall be applied in
accordance with the application arrangements described  in  Section  6.5 of the
Pledge and Security Agreement.
                                        -69-
<PAGE>

       2.19. RATABLE SHARING

             .  Lenders hereby agree among themselves that, except as otherwise
provided  in the Collateral Documents with respect to amounts realized from the
exercise  of  rights  with  respect to Liens on the Collateral, if any of  them
shall, whether by voluntary payment (other than a voluntary prepayment of Loans
made and applied in accordance  with the terms hereof), through the exercise of
any right of set-off or banker's  lien,  by  counterclaim or cross action or by
the enforcement of any right under the Credit  Documents  or  otherwise,  or as
adequate  protection  of  a  deposit  treated  as  cash  collateral  under  the
Bankruptcy  Code, receive payment or reduction of a proportion of the aggregate
amount of principal, interest, amounts payable in respect of Letters of Credit,
fees and other amounts then due and owing to such Lender hereunder or under the
other Credit  Documents  (collectively,  the  "AGGREGATE  AMOUNTS  DUE" to such
Lender)  which  is greater than the proportion received by any other Lender  in
respect of the Aggregate  Amounts  Due  to  such  other Lender, then the Lender
receiving such proportionately greater payment shall  (a) notify Administrative
Agent  and  each other Lender of the receipt of such payment  and  (b) apply  a
portion of such payment to purchase participations (which it shall be deemed to
have purchased  from  each  seller  of  a participation simultaneously upon the
receipt by such seller of its portion of such payment) in the Aggregate Amounts
Due to the other Lenders so that all such  recoveries  of Aggregate Amounts Due
shall be shared by all Lenders in proportion to the Aggregate  Amounts  Due  to
them; provided, if all or part of such proportionately greater payment received
by  such  purchasing  Lender  is thereafter recovered from such Lender upon the
bankruptcy or reorganization of  Company or otherwise, those purchases shall be
rescinded  and  the purchase prices  paid  for  such  participations  shall  be
returned to such  purchasing Lender ratably to the extent of such recovery, but
without interest.   Company expressly consents to the foregoing arrangement and
agrees that any holder of a participation so purchased may exercise any and all
rights of banker's lien,  set-off  or  counterclaim with respect to any and all
monies owing by Company to that holder with respect thereto as fully as if that
holder were owed the amount of the participation held by that holder.

       2.20. MAKING OR MAINTAINING EURODOLLAR RATE LOANS

             .

             (a)    Inability to Determine  Applicable  Interest  Rate.  In the
event  that  Administrative  Agent  shall  have determined (which determination
shall  be  final  and conclusive and binding upon  all  parties  hereto  absent
manifest error), on  any  Interest  Rate Determination Date with respect to any
Eurodollar Rate Loans, that by reason  of  circumstances  affecting  the London
interbank  market  adequate  and reasonable means do not exist for ascertaining
the interest rate applicable to  such  Loans  on  the basis provided for in the
definition of Adjusted Eurodollar Rate, Administrative Agent shall on such date
give  written  notice  (it  being  understood  that  electronic   notice  shall
constitute  a  writing)  to  Company  and  each  Lender  of such determination,
whereupon (i) no Loans may be made as, or converted to, Eurodollar  Rate  Loans
until  such  time as Administrative Agent notifies Company and Lenders that the
                                        -70-
<PAGE>

circumstances  giving rise to such notice no longer exist, and (ii) any Funding
Notice or Conversion/Continuation  Notice  given by Company with respect to the
Loans in respect of which such determination  was  made  shall  be deemed to be
rescinded by Company.

             (b)    Illegality  or Impracticability of Eurodollar  Rate  Loans.
In  the  event  that  on  any date any  Lender  shall  have  determined  (which
determination shall be final and conclusive and binding upon all parties hereto
but  shall be made only after  consultation  with  Company  and  Administrative
Agent)  that  the  making,  maintaining  or continuation of its Eurodollar Rate
Loans (i) has become unlawful as a result  of compliance by such Lender in good
faith with any law, treaty, governmental rule,  regulation,  guideline or order
(or  would  conflict  with  any  such  treaty,  governmental  rule, regulation,
guideline  or  order  not  having the force of law even though the  failure  to
comply therewith would not be unlawful), or (ii) has become impracticable, as a
result of contingencies occurring  after  the  date hereof which materially and
adversely affect the London interbank market or  the position of such Lender in
that market, then, and in any such event, such Lender  shall  be  an  "AFFECTED
LENDER"  and it shall on that day give notice (by telefacsimile or by telephone
confirmed in writing) to Company and Administrative Agent of such determination
(which notice  Administrative  Agent  shall  promptly  transmit  to  each other
Lender).   Thereafter  (1) the obligation of the Affected Lender to make  Loans
as, or to convert Loans to, Eurodollar Rate Loans shall be suspended until such
notice shall be withdrawn  by  the  Affected  Lender,  (2)  to  the extent such
determination  by  the Affected Lender relates to a Eurodollar Rate  Loan  then
being   requested   by  Company   pursuant   to   a   Funding   Notice   or   a
Conversion/Continuation Notice, the Affected Lender shall make such Loan as (or
continue such Loan as  or convert such Loan to, as the case may be) a Base Rate
Loan,  (3)  the  Affected  Lender's  obligation  to  maintain  its  outstanding
Eurodollar Rate Loans (the "AFFECTED LOANS") shall be terminated at the earlier
to occur of the expiration of  the  Interest Period then in effect with respect
to the Affected Loans or when required by law, and (4) the Affected Loans shall
automatically convert into Base Rate  Loans  on  the  date of such termination.
Notwithstanding  the foregoing, to the extent a determination  by  an  Affected
Lender as described  above  relates  to  a  Eurodollar  Rate  Loan  then  being
requested  by Company pursuant to a Funding Notice or a Conversion/Continuation
Notice, Company  shall  have  the  option, subject to the provisions of Section
2.20(c), to rescind such Funding Notice or Conversion/Continuation Notice as to
all Lenders by giving notice (by telefacsimile  or  by  telephone  confirmed in
writing)  to  Administrative Agent of such rescission on the date on which  the
Affected Lender  gives  notice  of  its determination as described above (which
notice of rescission Administrative Agent shall promptly transmit to each other
Lender).  Except as provided in the immediately  preceding sentence, nothing in
this Section 2.20(b) shall affect the obligation of  any  Lender  other than an
Affected  Lender  to  make  or  maintain  Loans  as,  or  to  convert Loans to,
Eurodollar Rate Loans in accordance with the terms hereof.

             (c)    Compensation for Breakage or Non-Commencement  of  Interest
Periods.   Company  shall compensate each Lender, upon written request by  such
                                        -71-
<PAGE>

Lender (which request  shall  set forth the basis for requesting such amounts),
for all reasonable losses, expenses  and  liabilities  (including  any interest
paid  by  such  Lender to lenders of funds borrowed by it to make or carry  its
Eurodollar Rate Loans  and  any  loss,  expense  or liability sustained by such
Lender in connection with the liquidation or re-employment  of  such  funds but
excluding  loss  of  anticipated profits) which such Lender may sustain: (i) if
for any reason (other  than  a  default  by  such  Lender)  a  borrowing of any
Eurodollar Rate Loan does not occur on a date specified therefor  in  a Funding
Notice   or  a  telephonic  request  for  borrowing,  or  a  conversion  to  or
continuation  of  any  Eurodollar  Rate Loan does not occur on a date specified
therefor  in a Conversion/Continuation  Notice  or  a  telephonic  request  for
conversion  or  continuation; (ii) if any prepayment or other principal payment
or any conversion of any of its Eurodollar Rate Loans occurs on a date prior to
the last day of an  Interest Period applicable to that Loan (including, without
limitation, pursuant to Section 2.15 hereof); or (iii) if any prepayment of any
of its Eurodollar Rate Loans is not made  on  any date specified in a notice of
prepayment given by Company.

             (d)    Booking of Eurodollar Rate  Loans.   Any  Lender  may make,
carry  or  transfer Eurodollar Rate Loans at, to, or for the account of any  of
its branch offices or the office of an Affiliate of such Lender.

             (e)    Assumptions  Concerning  Funding  of Eurodollar Rate Loans.
Calculation  of  all  amounts payable to a Lender under this  Section 2.20  and
under Section 2.21 shall be made as though such Lender had actually funded each
of its relevant Eurodollar  Rate  Loans  through  the  purchase of a Eurodollar
deposit  bearing interest at the rate obtained pursuant to  clause  (i) of  the
definition of Adjusted Eurodollar Rate in an amount equal to the amount of such
Eurodollar  Rate Loan and having a maturity comparable to the relevant Interest
Period and through  the  transfer  of  such Eurodollar deposit from an offshore
office of such Lender to a domestic office  of such Lender in the United States
of America; provided, however, each Lender may fund each of its Eurodollar Rate
Loans in any manner it sees fit and the foregoing assumptions shall be utilized
only for the purposes of calculating amounts  payable  under  this Section 2.20
and under Section 2.21.

       2.21. INCREASED COSTS; CAPITAL ADEQUACY

             .

             (a)    Compensation For Increased Costs and Taxes.  Subject to the
provisions  of  Section 2.21,  in the event that any Lender (which  term  shall
include each Issuing Bank for purposes of this Section 2.21(a)) shall determine
(which determination shall, absent  manifest error, be final and conclusive and
binding upon all parties hereto) that  any  law,  treaty  or governmental rule,
regulation   or  order,  or  any  change  therein  or  in  the  interpretation,
administration  or  application  thereof (including the introduction of any new
law, treaty or governmental rule, regulation or order), or any determination of
a court or governmental authority,  in  each  case that becomes effective after
the date hereof, or compliance by such Lender with  any  guideline,  request or
directive  issued  or  made after the date hereof by any central bank or  other
governmental or quasi-governmental  authority  (whether or not having the force
                                        -72-
<PAGE>

of law): (i) subjects such Lender (or its applicable  lending  office)  to  any
additional  Tax (other than any Excluded Tax) with respect to this Agreement or
any of the other  Credit  Documents  or  any  of  its  obligations hereunder or
thereunder or any payments to such Lender (or its applicable lending office) of
principal, interest, fees or any other amount payable hereunder;  (ii) imposes,
modifies  or  holds  applicable any reserve (including any marginal, emergency,
supplemental, special or other reserve), special deposit, compulsory loan, FDIC
insurance or similar requirement  against  assets held by, or deposits or other
liabilities in or for the account of, or advances  or loans by, or other credit
extended by, or any other acquisition of funds by, any  office  of  such Lender
(other  than  any such reserve or other requirements with respect to Eurodollar
Rate Loans that  are  reflected in the definition of Adjusted Eurodollar Rate);
or (iii) imposes any other  condition (other than with respect to a Tax matter)
on  or  affecting  such  Lender (or  its  applicable  lending  office)  or  its
obligations hereunder or the  London interbank market; and the result of any of
the foregoing is to increase the  cost  to  such  Lender  of  agreeing to make,
making  or  maintaining  Loans  hereunder  or to reduce any amount received  or
receivable  by  such Lender (or its applicable  lending  office)  with  respect
thereto; then, in  any  such  case,  Company shall promptly pay to such Lender,
upon receipt of the statement referred to in the next sentence, such additional
amount or 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  may  be necessary to compensate such Lender for any such
increased cost or reduction in  amounts received or receivable hereunder.  Such
Lender shall deliver to Company (with a copy to Administrative Agent) a written
statement, setting forth in reasonable  detail  the  basis  for calculating the
additional  amounts  owed  to  such  Lender  under this Section 2.21(a),  which
statement  shall  be  conclusive and binding upon  all  parties  hereto  absent
manifest error.

             (b)    Capital  Adequacy Adjustment.  In the event that any Lender
shall  have  determined  that  the   adoption,   effectiveness,   phase-in   or
applicability  after  the  Original Closing Date of any law, rule or regulation
(or any provision thereof) regarding capital adequacy, or any change therein or
in the interpretation or administration  thereof by any Governmental Authority,
central  bank  or  comparable  agency  charged   with   the  interpretation  or
administration thereof, or compliance by any Lender (or its  applicable lending
office)  with  any  guideline, request or directive regarding capital  adequacy
(whether or not having  the  force  of law) of any such Governmental Authority,
central bank or comparable agency, has or would have the effect of reducing the
rate of return on the capital of such  Lender  or  any  corporation controlling
such Lender as a consequence of, or with reference to, such  Lender's  Loans or
Commitments   or   Letters  of  Credit,  or  participations  therein  or  other
obligations hereunder  with  respect to the Loans or the Letters of Credit to a
level below that which such Lender  or  such controlling corporation could have
achieved but for such adoption, effectiveness,  phase-in, applicability, change
or compliance (taking into consideration the policies  of  such  Lender or such
controlling  corporation  with regard to capital adequacy), then from  time  to
time, within five Business  Days  after  receipt by Company from such Lender of
the  statement referred to in the next sentence,  Company  shall  pay  to  such
Lender such additional amount or amounts as will compensate such Lender or such
controlling  corporation  on an after-tax basis for such reduction. Such Lender
                                        -73-
<PAGE>

shall deliver to Company (with  a  copy  to  Administrative  Agent)  a  written
statement,  setting  forth  in  reasonable detail the basis for calculating the
additional amounts owed to Lender  under  this Section 2.21(b), which statement
shall be conclusive and binding upon all parties hereto absent manifest error.

       2.22. TAXES; WITHHOLDING, ETC

             .

             (a)    Payments to Be Free and  Clear.   All  sums  payable by any
Credit  Party hereunder and under the other Credit Documents shall  (except  to
the extent  required  by  law)  be  paid  free  and  clear  of, and without any
deduction or withholding on account of, any Tax (other than any  Excluded  Tax)
imposed, levied, collected, withheld or assessed by or within the United States
of  America  or any political subdivision in or of the United States of America
or any other jurisdiction from or to which a payment is made by or on behalf of
any Credit Party  or  by  any  federation  or  organization of which the United
States of America or any such jurisdiction is a member at the time of payment.

             (b)    Withholding of Taxes.  If any  Credit  Party  or  any other
Person  is  required by law to make any deduction or withholding on account  of
any Tax from  any  sum  paid  or  payable by any Credit Party to Administrative
Agent or any Lender under any of the Credit Documents: (i) Company shall notify
Administrative  Agent  of  any such requirement  or  any  change  in  any  such
requirement as soon as Company  becomes aware of it; (ii) Company shall pay any
such Tax before the date on which  penalties attach thereto, such payment to be
made (if the liability to pay is imposed  on  any  Credit  Party)  for  its own
account  or  (if  that  liability  is  imposed  on Administrative Agent or such
Lender,  as  the case may be) on behalf of and in the  name  of  Administrative
Agent or such  Lender;  (iii) except  with respect to any Excluded Tax, the sum
payable  by  such Credit Party in respect  of  which  the  relevant  deduction,
withholding or  payment  is required shall be increased to the extent necessary
to ensure that, after the  making  of  that  deduction, withholding or payment,
Administrative Agent or such Lender, as the case  may  be,  receives on the due
date  a  net  sum  equal to what it would have received had no such  deduction,
withholding or payment been required or made; and (iv) within thirty days after
paying any sum from  which  it  is  required  by  law  to make any deduction or
withholding, and within thirty days after the due date of  payment  of  any Tax
which  it  is  required  by  clause (ii) above to pay, Company shall deliver to
Administrative Agent evidence  satisfactory  to  the  other affected parties of
such  deduction, withholding or payment and of the remittance  thereof  to  the
relevant  taxing  or  other  authority,  provided,  however, that no additional
amount  shall  be  required to be paid to any Lender under  clause (iii)  above
except to the extent  that  any  change  after the Lender Effective Date in any
such  requirement  for a deduction, withholding  or  payment  as  is  mentioned
therein shall result  in an increase in the rate of such deduction, withholding
or payment from that in  effect  at  the  Lender  Effective  Date in respect of
payments to such Lender.

             (c)    Evidence of Exemption From U.S. Withholding Tax.  Except to
the extent such deliveries have already been made by any Lender pursuant to the
Original  Agreement,  the 2003 Credit Agreement or the Existing  Agreement  and
                                        -74-
<PAGE>

such previously delivered  forms  continue to be accurate, (i) each Lender that
is not a United States Person (as such  term  is defined in Section 7701(a)(30)
of the Internal Revenue Code) for U.S. federal  income  tax purposes (a "NON-US
LENDER") shall deliver to Administrative Agent for transmission  to Company, on
or prior to the 2004 Effective Date (in the case of each Lender listed  on  the
signature  pages  of  the Existing Agreement on the 2004 Effective Date), on or
prior to the Second Amendment Effective Date (in the case of each Lender listed
on the signature pages  to  the  Amendment)  or  on or prior to the date of the
Assignment Agreement pursuant to which it becomes a Lender (in the case of each
other  Lender), upon designation of a new lending office,  and  at  such  other
times as  may  be  necessary  in the determination of Company or Administrative
Agent (each in the reasonable exercise  of its discretion), two original copies
of Internal Revenue Service Form W-8BEN or  W-8ECI  (or  any  successor forms),
properly   completed   and  duly  executed  by  such  Lender,  and  such  other
documentation required under  the  Internal  Revenue  Code,  or  regulations or
administrative pronouncements promulgated thereunder, and reasonably  requested
by  Company  to  establish  that  such  Lender  is  not subject to deduction or
withholding of United States federal income tax with respect to any payments to
such Lender of principal, interest, fees or other amounts  payable under any of
the Credit Documents; (ii) each Lender that is a United States  Person (as such
term is defined in Section 7701(a)(30) of the Internal Revenue Code)  for  U.S.
federal  income  tax  purposes,  and  that is not a person which the Company is
entitled  to  treat  as an "exempt recipient"  (as  such  term  is  defined  in
Section 1.6049-4(c)(ii)  of  the  United  States  Treasury Regulations) without
receiving a certificate from such person (under current law, including, but not
limited  to  any person whose name includes the terms  "Incorporated",  "Inc.",
"Corporation",  "Corp.",  "P.C.",  "insurance  company",  "indemnity  company",
"reinsurance   company",   "assurance   company",  "bank",  "savings  and  loan
association",  "buildings  and  loan  association",   "homestead  association",
"credit  union"  or "industrial loan association" and their  permitted  foreign
language equivalents,  and any entity that is generally known in the investment
community to be registered  at  all  times  during  the  taxable year under the
Investment  Company  Act  of  1940)  (a  "US  LENDER")  shall  deliver  to  the
Administrative Agent for transmission to the Company, on or prior  to  the 2004
Effective Date (in the case of each US Lender listed on the signature pages  of
the  Existing Agreement, on the 2004 Effective Date), on or prior to the Second
Amendment Effective Date (in the case of each US Lender listed on the signature
pages  to the Amendment) or on or prior to the date of the Assignment Agreement
pursuant to which it becomes a US Lender (in the case of each other US Lender),
and at such other times as may be necessary in the determination of the Company
or Administrative  Agent  (each  in the reasonable exercise of its discretion),
two original copies of Internal Revenue  Service  Form W-9  (or  any  successor
forms), properly completed and duly executed by such US Lender, and such  other
documentation  reasonably  requested  by the Company, to establish that such US
Lender  is not subject to deduction or withholding  of  United  States  federal
income tax  with  respect  to  any  payments  to  such  US Lender of principal,
interest, fees or other amounts payable under any of the  Credit  Documents; or
(iii) if   such   Lender   is  not  a  "bank"  or  other  Person  described  in
Section 881(c)(3)  of the Internal  Revenue  Code  and  cannot  deliver  either
Internal Revenue Service  Form W-8BEN or W-8ECI pursuant to clause (i) above, a
Certificate re Non-Bank Status  together  with  two original copies of Internal
                                        -75-
<PAGE>

Revenue Service Form W-8 (or any successor form),  properly  completed and duly
executed by such Lender, and such other documentation reasonably  requested  by
Company or Administrative Agent to establish that such Lender is not subject to
deduction  or  withholding  of United States federal income tax with respect to
any  payments to such Lender of  interest  payable  under  any  of  the  Credit
Documents.   Each  Lender  required to deliver any forms, certificates or other
evidence with respect to United  States  federal income tax withholding matters
pursuant to this Section 2.22(c) hereby agrees,  from  time  to  time after the
initial time for delivery or potential delivery by such Lender of  such  forms,
certificates  or  other  evidence,  whenever  a  lapse  in  time  or  change in
circumstances  renders  such forms, certificates or other evidence obsolete  or
inaccurate in any material  respect, that such Lender shall promptly deliver to
Administrative Agent for transmission  to  Company  two  new original copies of
Internal Revenue Service Form W-8BEN or W-8ECI (or any successor  forms),  or a
Certificate re Non-Bank Status (or any successor forms) and two original copies
of Internal Revenue Service Form W-8 or two original copies of Internal Revenue
Service  Form W-9,  as  the  case  may  be  (or  any successor forms), properly
completed  and  duly  executed  by  such Lender, and such  other  documentation
reasonably requested by Company or Administrative Agent to confirm or establish
that such Lender is not subject to deduction  or  withholding  of United States
federal  income  tax with respect to payments to such Lender under  the  Credit
Documents, or notify  Administrative  Agent  and  Company  of  its inability to
deliver any such forms, certificates or other evidence.  Company  shall  not be
required to pay any additional amount to any U.S. Lender or Non-US Lender under
Section 2.22(b)(iii) if such Lender shall have failed (1) to deliver the forms,
certificates  or  other  evidence  referred  to  in the second sentence of this
Section 2.22(c),  or  (2) to notify Administrative Agent  and  Company  of  its
inability to deliver any  such  forms,  certificates  or other evidence, as the
case may be; provided, if such Lender shall have satisfied  the requirements of
the  first  sentence  of this Section 2.22(c) on the 2004 Effective  Date,  the
Second Amendment Effective  Date  or  on  the  date of the Assignment Agreement
pursuant  to  which it became a Lender, as applicable,  nothing  in  this  last
sentence of Section 2.22(c)  shall relieve Company of its obligation to pay any
additional amounts pursuant to  Section 2.21(a) or Section 2.22(b) in the event
that, as a result of any change in  any  applicable law, treaty or governmental
rule, regulation or order, or any change in  the interpretation, administration
or application thereof, such Lender is no longer  properly  entitled to deliver
forms,  certificates  or  other evidence at a subsequent date establishing  the
fact that such Lender is not  subject to withholding as described herein.  Each
US Lender and Non-US Lender hereby  agrees  to  indemnify and hold harmless the
Company from and against any Taxes imposed on or behalf of the United States or
any  taxing  jurisdiction  thereof, and any interest,  penalties  or  additions
thereto, or costs incurred in  connection therewith, incurred or payable by the
Company  as  a  result  of the failure  of  the  Company  to  comply  with  its
obligations to deduct or  withhold  any  Taxes  imposed  by or on behalf of the
United  States  or  any  taxing  jurisdiction  thereof from any  payments  made
pursuant  to  this  Agreement  to  such  US  Lender,  Non-US   Lender   or  the
Administrative Agent, which failure resulted from the Company's reliance on any
form, statement, certificate or other information provided to it by such Lender
pursuant  to  this  Section 2.22  or  by reason of such Lender being a "conduit
entity" within the meaning of U.S. Treasury  Regulation Section 1.881-3 (or any
applicable successor provision).
                                        -76-
<PAGE>

       2.23. OBLIGATION TO MITIGATE

             .  Each Lender agrees that, as promptly  as  practicable after the
officer of such Lender responsible for administering its Commitments,  Loans or
Letters  of  Credit, as the case may be, becomes aware of the occurrence of  an
event or the existence of a condition that would cause such Lender to become an
Affected Lender  or  that  would  entitle such Lender to receive payments under
Section 2.20, 2.21 or 2.22, it will,  to  the  extent not inconsistent with the
internal  policies  of  such  Lender  and any applicable  legal  or  regulatory
restrictions, use reasonable efforts to  (a)  make, issue, fund or maintain its
Commitments, Loans and Letters of Credit, including any Affected Loans, through
another office of such Lender, or (b) take such  other  measures as such Lender
may deem reasonable, if as a result thereof the circumstances which would cause
such  Lender to be an Affected Lender would cease to exist  or  the  additional
amounts which would otherwise be required to be paid to such Lender pursuant to
Section 2.20, 2.21 or 2.22 would be materially reduced and if, as determined by
such Lender in its sole discretion, the making, issuing, funding or maintaining
of such Commitments, Loans or Letters of Credit through such other office or in
accordance  with  such  other measures, as the case may be, would not otherwise
adversely affect such Commitments,  Loans or Letters of Credit or the interests
of such Lender; provided, such Lender  will  not  be  obligated to utilize such
other office pursuant to this Section 2.23 unless Company  agrees  to  pay  all
incremental  expenses  incurred  by  such  Lender as a result of utilizing such
other office as described in clause (a) above.   A certificate as to the amount
of any such expenses payable by Company pursuant to  this Section 2.23 (setting
forth in reasonable detail the basis for requesting such  amount)  submitted by
such  Lender  to  Company  (with  a  copy  to  Administrative  Agent)  shall be
conclusive absent manifest error.

       2.24. DEFAULTING LENDERS

             .   Anything contained herein to the contrary notwithstanding,  in
the event that any Lender, at the direction or request of any regulatory agency
or authority, defaults  (a  "DEFAULTING  LENDER")  in its obligation to fund (a
"FUNDING DEFAULT") any Revolving Loan under Section  2.3(b)(iv)  or its portion
of  any  unreimbursed payment under Section 2.5(e) (in each case, a  "DEFAULTED
LOAN"), then  (a) during  any  Default  Period  with respect to such Defaulting
Lender,  such  Defaulting  Lender shall be deemed not  to  be  a  "Lender"  for
purposes of voting on any matters  (including  the  granting of any consents or
waivers)  with  respect  to  any  of the Credit Documents;  (b) to  the  extent
permitted by applicable law, until such time as the Default Excess with respect
to such Defaulting Lender shall have  been  reduced  to zero, (i) any voluntary
prepayment of the Revolving Loans shall, if Company so  directs  at the time of
making  such voluntary prepayment, be applied to the Revolving Loans  of  other
Lenders as if such Defaulting Lender had no Revolving Loans outstanding and the
Revolving  Exposure of such Defaulting Lender were zero, and (ii) any mandatory
prepayment of  the  Revolving Loans shall, if Company so directs at the time of
making such mandatory  prepayment,  be  applied to the Revolving Loans of other
Lenders (but not to the Revolving Loans of  such  Defaulting Lender) as if such
Defaulting Lender had funded all Defaulted Loans of  such Defaulting Lender, it
                                        -77-
<PAGE>

being  understood  and  agreed  that Company shall be entitled  to  retain  any
portion of any mandatory prepayment  of the Revolving Loans that is not paid to
such Defaulting Lender solely as a result of the operation of the provisions of
this  clause  (b);  (c) such  Defaulting  Lender's   Revolving  Commitment  and
outstanding Revolving Loans and such Defaulting Lender's  Pro Rata Share of the
Letter  of  Credit  Usage  shall  be  excluded for purposes of calculating  the
Revolving Commitment fee payable to Lenders  in  respect  of any day during any
Default  Period  with  respect to such Defaulting Lender, and  such  Defaulting
Lender shall not be entitled  to  receive any Revolving Commitment fee pursuant
to Section 2.12 with respect to such  Defaulting  Lender's Revolving Commitment
in respect of any Default Period with respect to such  Defaulting  Lender;  and
(d) the   Total  Utilization  of  Revolving  Commitments  as  at  any  date  of
determination  shall  be calculated as if such Defaulting Lender had funded all
Defaulted Loans of such  Defaulting  Lender.   No  Revolving  Commitment of any
Lender  shall  be  increased  or  otherwise affected, and, except as  otherwise
expressly  provided  in  this  Section 2.24,  performance  by  Company  of  its
obligations hereunder and the other  Credit  Documents  shall not be excused or
otherwise modified as a result of any Funding Default or  the operation of this
Section 2.24.  The rights and remedies against a Defaulting  Lender  under this
Section 2.24  are  in  addition to other rights and remedies which Company  may
have against such Defaulting  Lender  with  respect  to any Funding Default and
which  Administrative  Agent  or  any Lender may have against  such  Defaulting
Lender with respect to any Funding Default.

       2.25. REMOVAL OR REPLACEMENT OF A LENDER

             .  Anything contained  herein  to the contrary notwithstanding, in
the event that: (a) any Lender (an "INCREASED-COST  LENDER")  shall give notice
to  Company  that  such  Lender  is  an Affected Lender or such Lender  becomes
entitled  to receive payments under Section 2.21  or  2.22,  the  circumstances
which have  caused  such  Lender to be an Affected Lender or which entitle such
Lender to receive such payments  shall  remain in effect, and such Lender shall
fail to (i) withdraw such notice or (ii) waive  in writing the right to receive
the applicable payments, in each of cases (i) and  (ii),  within  five Business
Days after Company's request for such withdrawal or waiver; or (b)  any  Lender
shall become a Defaulting Lender, the Default Period for such Defaulting Lender
shall  remain  in  effect,  and  such  Defaulting Lender shall fail to cure the
default as a result of which it has become  a  Defaulting  Lender  within  five
Business  Days  after  Company's  request  that it cure such default; or (c) in
connection with any proposed amendment, modification,  termination,  waiver  or
consent with respect to any of the provisions hereof as contemplated by Section
10.5(b),  the  consent  of  Requisite  Lenders shall have been obtained but the
consent of one or more of such other Lenders  (each  a "NON-CONSENTING LENDER")
whose consent is required shall not have been obtained;  then,  with respect to
each  such  Increased-Cost  Lender, Defaulting Lender or Non-Consenting  Lender
(the  "TERMINATED  LENDER"),  Company   may,   by   giving  written  notice  to
Administrative Agent and any Terminated Lender of its  election to do so, elect
to cause such Terminated Lender (and such Terminated Lender  hereby irrevocably
agrees) to assign its outstanding Loans and its Revolving Commitments,  if any,
in  full  to  one  or  more Eligible Assignees (each a "REPLACEMENT LENDER") in
accordance with the provisions  of Section 10.6 and Terminated Lender shall pay
                                        -78-
<PAGE>

any fees payable thereunder in connection  with  such assignment; provided, (1)
on the date of such assignment, the Replacement Lender  shall pay to Terminated
Lender an amount equal to the sum of (A) an amount equal  to  the principal of,
and  all  accrued interest on, all outstanding Loans of the Terminated  Lender,
(B) an amount  equal to all unreimbursed drawings that have been funded by such
Terminated Lender,  together with all then unpaid interest with respect thereto
at such time and (C)  an  amount  equal  to all accrued, but theretofore unpaid
fees owing to such Terminated Lender pursuant  to Section 2.13; (2) on the date
of such assignment, Company shall pay any amounts  payable  to  such Terminated
Lender  pursuant  to Section 2.20, 2.21 or 2.22 or otherwise as if  it  were  a
prepayment; and (3) in  the  event  such  Terminated Lender is a Non-Consenting
Lender, each Replacement Lender shall consent,  at the time of such assignment,
to each matter in respect of which such Terminated  Lender was a Non-Consenting
Lender;  provided,  Company  may not make such election  with  respect  to  any
Terminated  Lender  that  is  also   an  Issuing  Bank  unless,  prior  to  the
effectiveness of such election, Company  shall  have  caused  each  outstanding
Letter  of Credit issued thereby to be cancelled.  Upon the prepayment  of  all
amounts owing  to  any Terminated Lender and the termination of such Terminated
Lender's Revolving Commitments,  if any, such Terminated Lender shall no longer
constitute  a  "Lender" for purposes  hereof;  provided,  any  rights  of  such
Terminated Lender  to  indemnification  hereunder  shall  survive  as  to  such
Terminated Lender.

SECTION 3.     CONDITIONS PRECEDENT

       3.1.  ORIGINAL CLOSING DATE

             .   The  obligation of any Lender to make a Credit Extension under
the Original Agreement  on  the  Original  Closing  Date  was  subject  to  the
satisfaction,  or  waiver  in  accordance  with  Section 10.5, of the following
conditions on or before the Original Closing Date.   Solely for purposes of the
historical conditions set forth in this Section 3.1, capitalized  terms used in
this Section 3.1 and defined in the Original Agreement shall have the  meanings
specified  in  the  Original Agreement as applicable as of the Original Closing
Date.

             (a)    Credit Documents.  Administrative Agent shall have received
sufficient copies of  each Credit Document originally executed and delivered by
each applicable Credit Party for each Lender.

             (b)    Organizational Documents; Incumbency.  Administrative Agent
shall  have received (i) sufficient  copies  of  each  Organizational  Document
executed  and delivered by each Credit Party, as applicable, and, to the extent
applicable,  certified  as  of  a  recent  date by the appropriate governmental
official, for each Lender, each dated the Original  Closing  Date  or  a recent
date  prior thereto; (ii) signature and incumbency certificates of the officers
of such  Person  executing  the  Credit  Documents  to  which  it  is  a party;
(iii) resolutions  of the Board of Directors or similar governing body of  each
Credit Party approving  and authorizing the execution, delivery and performance
of the Original Agreement  and  the  other  Credit  Documents  and  the Related
Agreements to which it is a party or by which it or its assets may be  bound as
of the Original Closing Date, certified as of the Original Closing Date  by its
                                        -79-
<PAGE>

secretary  or  an assistant secretary as being in full force and effect without
modification or amendment; (iv) a good standing certificate from the applicable
Governmental Authority  of  each  Credit Party's jurisdiction of incorporation,
organization or formation and in each  jurisdiction in which it is qualified as
a foreign corporation or other entity to  do business, each dated a recent date
prior  to  the  Original  Closing  Date;  and  (v) such   other   documents  as
Administrative Agent may reasonably request in writing.

             (c)    Organizational  and  Capital Structure.  The organizational
structure and capital structure of Holdings  and  its Subsidiaries, both before
and  after  giving  effect  to  the  2002  Merger, shall be  as  set  forth  on
Schedule 4.2.

             (d)    Issuance of Senior Subordinated  Notes.   On  or before the
Original Closing Date:

                    (i)   Company  shall have received the gross proceeds  from
       the issuance of the Senior Subordinated  Notes in an aggregate amount in
       cash of not less than $250,000,000;

                    (ii)  Company  shall  have delivered  to  Agents  complete,
       correct and conformed copies of the  Senior Subordinated Note Documents;
       and

                    (iii) Company shall have  provided evidence satisfactory to
       Agents  that  the  proceeds  of  Senior  Subordinated  Notes  have  been
       irrevocably committed, prior to the application  of  the proceeds of the
       Term  Loans  (as defined in the Original Agreement) to be  made  on  the
       Original Closing  Date,  to  the  payment  of  the 2002 Merger Financing
       Requirements  (subject  to  the  concurrent  consummation  of  the  2002
       Merger).

             (e)    Equity Financing.  On or before the  Original Closing Date,
Company shall have provided evidence satisfactory to Agents  that  the proceeds
of  the  Equity  Financing  have  been  irrevocably  committed,  prior  to  the
application  of  the  proceeds  of  the  Term Loans (as defined in the Original
Agreement) to be made on the Original Closing  Date, to the payment of the 2002
Merger Financing Requirements (subject to the concurrent  consummation  of  the
2002 Merger).

             (f)    Related  Agreements.   JPMCB  shall  have  received a fully
executed or conformed copy of each Related Agreement and any documents executed
in  connection  therewith,  together  with  copies  of any opinions of  counsel
delivered to the parties under the Related Agreements,  accompanied by a letter
from  each  such  counsel (to the extent not inconsistent with  such  counsel's
established internal policies) authorizing Lenders to rely upon such opinion to
the same extent as though it were addressed to Lenders.  Each Related Agreement
shall be in full force  and  effect  and  no  provision thereof shall have been
modified or waived in any respect determined by  JPMCB  to be material, in each
case without the consent of JPMCB.
                                        -80-
<PAGE>

             (g)    Consummation   of  2002  Merger  and  Other   Transactions.
(i)  All conditions to the 2002 Merger  set  forth  in Article VIII of the 2002
Merger  Agreement  and  related  documents  shall have been  satisfied  or  the
fulfillment of any such conditions shall have  been  waived with the consent of
Administrative  Agent  and  JPMCB;  (ii) the  2002  Merger  shall  have  become
effective in accordance with the terms of the 2002 Merger Agreement;  (iii) the
other  conditions  set forth in Schedule 1.1(a) shall have been satisfied;  and
(iv) the 2002 Merger Financing Requirements shall not exceed $848,800,000.

             (h)    Existing  Guaranty  Obligations.   Except  as  set forth on
Schedule  6.1(g),  on  the Original Closing Date, Holdings and its Subsidiaries
shall  have (i) extinguished  all  guaranty  obligations  of  Company  and  its
Subsidiaries,   and   (ii) made   arrangements   satisfactory   to   JPMCB  and
Administrative Agent with respect to the cancellation of any letters of  credit
outstanding  to  support  the obligations of Holdings and its Subsidiaries with
respect thereto.

             (i)    Existing  Indebtedness.   Except  as  set forth on Schedule
6.1(g), on the Original Closing Date, Holdings and its Subsidiaries  shall have
(i) repaid  in  full all of their Indebtedness, (ii) terminated any commitments
to lend or make other extensions of credit thereunder, (iii) delivered to JPMCB
and Administrative  Agent all documents or instruments necessary to release all
Liens  securing  any  Indebtedness   (other   than   in  respect  of  Surviving
Indebtedness)  of  any  of  them  or  other  obligations  of Holdings  and  its
Subsidiaries  thereunder  being  repaid  on  the  Original  Closing  Date,  and
(iv) made  arrangements  satisfactory  to JPMCB and Administrative  Agent  with
respect to the cancellation of any letters  of credit outstanding thereunder or
the issuance of Letters of Credit to support  the  obligations  of Holdings and
its Subsidiaries with respect thereto.

             (j)    Transaction  Costs.   On  or prior to the Original  Closing
Date, Company shall have delivered to Administrative Agent Company's reasonable
best estimate of the Original Transaction Costs (other than fees payable to any
Agent).

             (k)    Governmental  Authorizations  and  Consents.   Each  Credit
Party shall have obtained all Governmental  Authorizations  and all consents of
other  Persons,  in  each  case  that  are  necessary  in connection  with  the
transactions  contemplated by the Credit Documents and the  Related  Agreements
and each of the  foregoing  shall  be  in full force and effect and in form and
substance reasonably satisfactory to JPMCB and Administrative Agent, except for
such registrations, consents, approvals,  notices  or  actions  the  failure of
which  to  obtain,  individually  or in the aggregate, could not reasonably  be
expected to have a Material Adverse  Effect.   All  applicable  waiting periods
shall  have  expired  without  any  action  being  taken  or threatened by  any
competent authority which would restrain, prevent or otherwise  impose  adverse
conditions  on  the  transactions  contemplated  by the Credit Documents or the
Related Agreements or the financing thereof and no  action,  request  for stay,
petition  for  review or rehearing, reconsideration, or appeal with respect  to
any of the foregoing  shall  be pending, and the time for any applicable agency
to take action to set aside its consent on its own motion shall have expired.
                                        -81-
<PAGE>

             (l)    Real Estate  Assets.   In  order  to  create  in  favor  of
Collateral  Agent,  for the benefit of Secured Parties, a valid and, subject to
any  filing and/or recording  referred  to  herein,  perfected  First  Priority
security  interest  in  each Material Real Estate Asset, Collateral Agent shall
have received from Company and each applicable Guarantor:

                    (i)   fully  executed  and  notarized  Mortgages, in proper
       form   for  recording  in  all  appropriate  places  in  all  applicable
       jurisdictions,   encumbering   each   Real   Estate   Asset   listed  in
       Schedule 3.1(l) (each, an "ORIGINAL CLOSING DATE MORTGAGED PROPERTY");

                    (ii)  an   opinion  of  counsel  (which  counsel  shall  be
       reasonably satisfactory to  Collateral  Agent) in each state in which an
       Original Closing Date Mortgaged Property  is located with respect to the
       enforceability of the form(s) of Mortgages  to be recorded in such state
       and such other matters as Collateral Agent may  reasonably  request,  in
       each  case  in  form and substance reasonably satisfactory to Collateral
       Agent;

                    (iii) in  the  case  of  each Leasehold Property that is an
       Original  Closing  Date Mortgaged Property,  (1) a  Landlord's  Consent,
       Estoppel Certificate  and Amendment and (2) evidence that such Leasehold
       Property is a Recorded Leasehold Interest;

                    (iv)  (A) ALTA mortgagee title insurance policies (or other
       policies  available  in  such   state  and  reasonably  satisfactory  to
       Collateral Agent) or unconditional commitments therefor issued by one or
       more title companies reasonably satisfactory  to  Collateral  Agent with
       respect  to  each  Original  Closing  Date Mortgaged Property (each,  an
       "ORIGINAL TITLE POLICY"), in amounts not less than the fair market value
       of each Original Closing Date Mortgaged  Property, together with a title
       report issued by a title company with respect  thereto,  dated  not more
       than  thirty  days prior to the Original Closing Date and copies of  all
       recorded documents  listed  as exceptions to title or otherwise referred
       to  therein,  each  in form and  substance  reasonably  satisfactory  to
       Collateral Agent and  (B) evidence satisfactory to Collateral Agent that
       such Credit Party has paid  to  the  title company or to the appropriate
       governmental authorities all expenses  and premiums of the title company
       and all other sums required in connection  with  the  issuance  of  each
       Original  Title  Policy  and  all  recording  and stamp taxes (including
       mortgage  recording  and intangible taxes) payable  in  connection  with
       recording  the  Mortgages  for  each  Original  Closing  Date  Mortgaged
       Property in the appropriate real estate records;

                    (v)   evidence  of  flood  insurance  with  respect to each
       Flood  Hazard Property that is located in a community that  participates
                                        -82-
<PAGE>

       in the National Flood Insurance Program, in each case in compliance with
       any applicable  regulations  of  the  Board  of Governors of the Federal
       Reserve  System,  in  form  and  substance  reasonably  satisfactory  to
       Collateral Agent;

                    (vi)  ALTA/ACSM surveys (or any  other surveys available in
       such  state  and  reasonably satisfactory to Collateral  Agent)  of  all
       Original Closing Date  Mortgaged  Properties,  certified  to  Collateral
       Agent and dated not more than thirty days prior to the Original  Closing
       Date  and  in  form  and substance reasonably satisfactory to Collateral
       Agent;

                    (vii) fully  executed  UCC-1  fixture filings for filing in
       each location Collateral Agent reasonably determines  to be appropriate;
       and

                    (viii)an appraisal of each Original Closing  Date Mortgaged
       Property  in  form  and  substance  reasonably  acceptable to Collateral
       Agent.

             (m)    Other  Collateral.   In  order  to  create   in   favor  of
Collateral Agent, for the benefit of Secured Parties, a valid, perfected  First
Priority  security  interest in the Collateral (other than Real Estate Assets),
Collateral Agent shall have received:

                    (i)   evidence  satisfactory to the Collateral Agent of the
       compliance by each Credit Party  of  their  obligations under the Pledge
       and  Security Agreement and the other Collateral  Documents  (including,
       without   limitation,   their   obligations  to  deliver  UCC  financing
       statements, originals of securities,  instruments  and chattel paper and
       any agreements governing deposit and/or securities accounts  as provided
       therein);

                    (ii)  A   completed  Collateral  Questionnaire  dated   the
       Original Closing Date and  executed  by  an  Authorized  Officer of each
       Credit  Party,  together  with  all  attachments  contemplated  thereby,
       including  (A)  the  results  of a recent search, by a Person reasonably
       satisfactory  to  Collateral  Agent,  of  all  effective  UCC  financing
       statements made with respect to  any  property, the creation of security
       interests in which is governed by the UCC,  of  any  Credit Party in the
       jurisdictions specified in the Collateral Questionnaire,  together  with
       copies  of  all  such  filings  disclosed  by  such  search, and (B) UCC
       termination  statements  duly  executed  by all applicable  Persons  for
       filing in all applicable jurisdictions as  may be necessary to terminate
       any effective UCC financing statements disclosed  in  such search (other
       than any such financing statements in respect of Permitted Liens); and

                    (iii) opinions  of counsel (which counsel shall  reasonably
       be satisfactory to Collateral  Agent)  with  respect to the creation and
       perfection of the security interests in favor  of  Collateral  Agent  in
       such  Collateral  and  such  other  matters governed by the laws of each
       jurisdiction in which any Credit Party or any such Collateral is located
       as Collateral Agent may reasonably request,  in  each  case  in form and
       substance reasonably satisfactory to Collateral Agent.
                                        -83-
<PAGE>

             (n)    Collateral  Matters.  Each of the Administrative Agent  and
the Collateral Agent shall have received  evidence that each Credit Party shall
have taken or caused to be taken any other  action,  executed  and delivered or
caused  to  be  executed  and  delivered  any  other  agreement,  document  and
instrument and made or caused to be made any other filing and recording  (other
than as set forth herein) reasonably required by Collateral Agent.

             (o)    Financial  Statements;  Projections.   Lenders  shall  have
received  from  Holdings  (i)  certain historical financial statements (as more
fully set forth in the Original  Agreement),  (ii) pro  forma  consolidated and
consolidating  balance  sheets  of  Holdings  and  its Subsidiaries as  at  the
Original Closing Date, and reflecting the consummation  of the 2002 Merger, the
related  financings  and  the  other transactions contemplated  by  the  Credit
Documents to occur on or prior to  the  Original  Closing Date, which pro forma
financial   statements  shall  be  in  form  and  substance   satisfactory   to
Administrative   Agent   and  JPMCB,  (iii) projections  of  Holdings  and  its
Subsidiaries  for the period  beginning  with  Fiscal  Year  2003  through  and
including Fiscal  Year  2010,  and  (iv) if  the  Original Closing Date has not
occurred on or prior to August 15, 2002, a certificate  of  the Chief Financial
Officer of Holdings certifying that the Consolidated Adjusted  EBITDA  for  the
four  Fiscal  Quarters  ended  on June 30, 2002 is not less than $114.2 million
determined on a pro forma basis  after  giving  effect  to the 2002 Merger, the
related  financings  and  the other transactions contemplated  by  the  Related
Agreements to occur on or prior to the Original Closing Date.

             (p)    Evidence  of  Insurance.   Each of JPMCB and Administrative
Agent  shall  have received a certificate from Company's  insurance  broker  or
other evidence  satisfactory to it that all insurance required to be maintained
pursuant to Section 5.5 is in full force and effect and that Administrative
Agent, for the benefit of  Lenders has been named as additional insured and
loss payee thereunder to the extent required under Section 5.5.

             (q)    Opinions  of  Counsel to Credit Parties.  Lenders and their
respective  counsel  shall have received  originally  executed  copies  of  the
favorable written opinions of Fried, Frank, Harris, Shriver & Jacobson, counsel
for Credit Parties, in  the  form  of Exhibit D and as to such other matters as
Administrative Agent or JPMCB may reasonably  request, dated as of the Original
Closing  Date and otherwise in form and substance  reasonably  satisfactory  to
each of Administrative  Agent and JPMCB (and each Credit Party hereby instructs
such counsel to deliver such opinions to Agents and Lenders).

             (r)    Opinions  of Counsel to JPMCB.  Lenders shall have received
originally  executed  copies of one  or  more  favorable  written  opinions  of
Sullivan & Cromwell, counsel  to  JPMCB, dated as of the Original Closing Date,
in  form  and  substance  reasonably  satisfactory   to   each   of  JPMCB  and
Administrative Agent.
                                        -84-
<PAGE>

             (s)    Fees.   Company  shall  have paid to the Agents,  the  fees
payable on the Original Closing Date referred to in Section 2.13(f).

             (t)    Original  Closing  Date  Solvency   Certificate;   Solvency
Appraisal.  On the Original Closing Date, JPMCB and Administrative Agent  shall
have  received (i) an Original Closing Date Solvency Certificate from the Chief
Financial  Officer of Holdings on behalf of Company and (ii) an opinion from an
independent  valuation  consultant  satisfactory  to  JPMCB  and Administrative
Agent,   each   dated  the  Original  Closing  Date  and  addressed  to  JPMCB,
Administrative Agent and Lenders, and in form, scope and substance satisfactory
to  JPMCB  and  Administrative   Agent,   with   appropriate   attachments  and
demonstrating that after giving effect to the consummation of the  2002 Merger,
the  related financings and the other transactions contemplated by the  Related
Documents  to  occur  on or prior to the Original Closing Date, Company and its
Subsidiaries are and will be Solvent.

             (u)    Original  Closing  Date  Certificate.  Holdings and Company
shall have delivered to JPMCB and Administrative  Agent  an originally executed
Original Closing Date Certificate, together with all attachments thereto.

             (v)    Original Closing Date.  Lenders shall  have  made  the Term
Loan  (as defined in the Original Agreement) to Company on or before August 31,
2002.

             (w)    No  Litigation.   The  representations  and  warranties set
forth  in  Sections 4.13 and 6.4 of the 2002 Merger Agreement (subject  to  the
exemptions and  qualifications  set forth therein) shall be true and correct as
of the Original Closing Date or compliance therewith as of the Original Closing
Date shall have been waived with the prior approval of JPMCB and Administrative
Agent.

             (x)    Completion of  Proceedings.  All partnership, corporate and
other proceedings taken or to be taken  in  connection  with  the  transactions
contemplated  hereby and all documents incidental thereto not previously  found
acceptable  by  Administrative   Agent  or  JPMCB  and  its  counsel  shall  be
satisfactory in form and substance  to  Administrative Agent and JPMCB and such
counsel, and Administrative Agent, JPMCB  and  such counsel shall have received
all  such  counterpart  originals  or certified copies  of  such  documents  as
Administrative Agent or JPMCB may reasonably request.

Each Lender, by delivering its signature  page  to  the  Original Agreement and
funding  a  Loan  on  the  Original  Closing  Date,  shall  be deemed  to  have
acknowledged  receipt of, and consented to and approved, each  Credit  Document
and each other document required to be approved by any Agent, Requisite Lenders
or Lenders, as applicable on the Original Closing Date.

       3.2.  CONDITIONS TO EACH CREDIT EXTENSION

             .

             (a)    Conditions  Precedent.   The  obligation  of each Lender to
make  any  Loan,  or  each Issuing Bank to issue any Letter of Credit,  on  any
                                        -85-
<PAGE>

Credit Date, including  the Second Amendment Effective Date, are subject to the
satisfaction, or waiver in  accordance  with  Section 10.5,  of  the  following
conditions precedent:

                    (i)   Administrative  Agent  shall  have  received  a fully
       executed  and  delivered  Funding Notice or Issuance Notice, as the case
       may be;

                    (ii)  after making  the Credit Extensions requested on such
       Credit Date, the Total Utilization  of  Revolving  Commitments shall not
       exceed the Revolving Commitments then in effect;

                    (iii) as  of  such  Credit  Date,  the representations  and
       warranties contained herein and in the other Credit  Documents  shall be
       true and correct in all material respects on and as of that Credit  Date
       to  the same extent as though made on and as of that date, except to the
       extent  such  representations  and  warranties specifically relate to an
       earlier date, in which case such representations  and  warranties  shall
       have  been  true  and correct in all material respects on and as of such
       earlier date;

                    (iv)  as  of such Credit Date, no event shall have occurred
       and  be  continuing  or  would  result  from  the  consummation  of  the
       applicable Credit Extension that would constitute an Event of Default or
       a Default;

                    (v)   on or before  the  date  of issuance of any Letter of
       Credit, Administrative Agent shall have received  all  other information
       required by the applicable Issuance Notice, and such other  documents or
       information  as  such  Issuing Bank may reasonably require in connection
       with the issuance of such Letter of Credit; and

                    (vi)  in the  case  of  a Revolving Loan used in connection
       with the financing of a Permitted Acquisition  (other  than  a Revolving
       Loan  on  the  Landis Acquisition Closing Date in an aggregate principal
       amount  not  to  exceed  $10,000,000  used  to  pay  Landis  Acquisition
       Financing  Requirements),  if  (A) the  aggregate  amount  of  Permitted
       Acquisition  Expenses exceeds $10,000,000 or (B) the aggregate amount of
       Permitted  Acquisition  Expenses  for  Permitted  Acquisitions  for  the
       previous four  Fiscal  Quarters (together with any Permitted Acquisition
       agreed to and not yet consummated)  exceeds  $20,000,000, then the Chief
       Financial  Officer  of  Holdings  shall  have  delivered   a  Compliance
       Certificate  representing and warranting and otherwise demonstrating  to
       the satisfaction  of  Administrative Agent that, as of such Credit Date,
       the Leverage Ratio as of  the last day of the most recent Fiscal Quarter
       for  which financial statements  have  been  delivered  to  the  Lenders
       pursuant  to  Section  5.1(a),  determined  on  a  pro  forma  basis  in
       accordance  with  Section  6.8(d)  after  giving  effect to the proposed
       Credit  Extension,  shall  not  exceed  5.00:1.00 in respect  of  Fiscal
       Quarters  ending  on or prior to December 25,  2004;  and  4.75:1.00  in
       respect  of  subsequent   Fiscal  Quarters  (for  each  Fiscal  Quarter,
       disregarding  any increase in  Consolidated  Adjusted  EBITDA  that  was
       attributable to  the  application  of  the proceeds of the exercise of a
                                        -86-
<PAGE>

       Cure  Right  with respect to any Fiscal Quarter  during  a  four  Fiscal
       Quarter period ended on the last day of such Fiscal Quarter).

             Any  Agent  or  Requisite  Lenders  shall  be  entitled,  but  not
obligated to, request and receive, prior to the making of any Credit Extension,
additional  information   reasonably   satisfactory  to  the  requesting  party
confirming the satisfaction of any of the  foregoing  if,  in  the  good  faith
judgment of such Agent or Requisite Lender such request is warranted under  the
circumstances.

             (b)    Notices.   Any  Notice  shall  be executed by an Authorized
Officer in a writing delivered to Administrative Agent.   In lieu of delivering
a  Notice,  Company  may  give Administrative Agent telephonic  notice  by  the
required time of any proposed borrowing, conversion/continuation or issuance of
a Letter of Credit, as the  case  may  be;  provided  each such notice shall be
promptly  confirmed  in  writing  by  delivery  of  the  applicable  Notice  to
Administrative   Agent   on   or  before  the  applicable  date  of  borrowing,
continuation/conversion or issuance.   Neither  Administrative  Agent  nor  any
Lender  shall  incur  any  liability  to  Company in acting upon any telephonic
notice referred to above that Administrative  Agent  believes  in good faith to
have  been  given  by  a duly authorized officer or other person authorized  on
behalf of Company or for otherwise acting in good faith.

       3.3.  CONDITIONS TO THE 2004 EFFECTIVE DATE TERM LOAN COMMITMENTS

             .  The obligation  of  each  Term  Loan  Lender  to  make  a  2004
Effective  Date  Term  Loan  in the amount of such Lender's 2004 Effective Date
Term Loan Commitment as set forth in Annex A-1 of the Existing Agreement on the
2004 Effective Date became effective  on  August 9,  2004  (the "2004 EFFECTIVE
DATE") upon:

             (a)    the execution and delivery of counterpart  signature  pages
to  the Existing Agreement by (i) 2004 Effective Date Term Loan Lenders holding
100%  of  the  2004  Effective  Date  Term Loan Commitments, and Lenders having
Revolving Exposure as of the 2004 Effective Date in excess of 50% the aggregate
Revolving Exposure of all Lenders and (ii) each Credit Party;

             (b)    the satisfaction of  the  conditions precedent set forth in
Section 3.2 in respect of the making of the 2004  Effective  Date Term Loans on
the 2004 Effective Date;

             (c)    opinion  of  Fried Frank Harris Shriver & Jacobson  LLP  in
respect of the Existing Agreement; and

             (d)    payment on or before the 2004 Effective Date of all fees to
Agents referred to in Section 2.13(f).

       3.4.  CONDITIONS  TO  THE  NEW  TERM  LOAN  COMMITMENTS  ON  THE  SECOND
AMENDMENT EFFECTIVE DATE

             .  The obligation of any  Lender  to make a Credit Extension under
this  Agreement  on  June 3, 2005 (the "SECOND AMENDMENT  EFFECTIVE  DATE")  is
                                        -87-
<PAGE>

subject to the satisfaction,  or waiver in accordance with Section 10.5, of the
following conditions on or before the Second Amendment Effective Date:

             (a)    Credit Documents.  Administrative Agent shall have received
(i) the Amendment, executed and  delivered  by a duly authorized officer of the
Company, Holdings, each other Guarantor, the  Agents, the Requisite Lenders (as
defined  in the Existing Agreement), the affected  Lenders  for  the  Revolving
Loan, and  any  Lenders  in  respect  of  the  New  Term Loans not party to the
Existing Agreement, (ii) if requested by any Lender making  a  New Term Loan on
the Second Amendment Effective Date, a Term Loan Note substantially in the form
of Exhibit B-1, (iii) the Reaffirmation and Counterpart Agreement, executed and
delivered  by  a duly authorized officer of each Grantor under the  Pledge  and
Security Agreement and each Guarantor and (iv) sufficient copies of each Credit
Document executed  and  delivered  by  each  applicable  Credit  Party for each
Lender.

             (b)    Organizational Documents; Incumbency.  Administrative Agent
shall  have  received  (i) sufficient  copies  of  each Organizational Document
executed and delivered by each Credit Party, as applicable,  and, to the extent
applicable,  certified  as  of  a  recent  date by the appropriate governmental
official, for each Lender, each dated the Second  Amendment Effective Date or a
recent date prior thereto; (ii) signature and incumbency  certificates  of  the
officers  of  such Credit Party executing the Credit Documents to which it is a
party; (iii) resolutions of the Board of Directors or similar governing body of
each  Credit Party  approving  and  authorizing  the  execution,  delivery  and
performance  of  this  Agreement  and  the  other Credit Documents and the Kerr
Acquisition Documents to which it is a party  or  by which it or its assets may
be bound as of the Second Amendment Effective Date,  certified as of the Second
Amendment Effective Date by its secretary or an assistant secretary as being in
full force and effect without modification or amendment;  (iv) a  good standing
certificate  from the applicable Governmental Authority of each Credit  Party's
jurisdiction  of   incorporation,   organization   or  formation  and  in  each
jurisdiction in which it is qualified as a foreign corporation  or other entity
to  do  business,  each  dated  a  recent  date  prior  to the Second Amendment
Effective  Date;  and  (v) such  other  documents as Administrative  Agent  may
reasonably request in writing.

             (c)    Consummation of Kerr  Acquisition  and  Other Transactions.
(i) The  Kerr  Acquisition shall have become effective in accordance  with  the
terms of the Kerr  Merger  Agreement  in  all  material  respects  and (ii) all
conditions (other than immaterial conditions, with materiality to be decided in
the reasonable discretion of Co-Syndication Agents) to the Kerr Acquisition set
forth  in  Article VI of the Kerr Merger Agreement and related documents  shall
have been satisfied  or  the fulfillment of any such conditions shall have been
waived with the consent of  Co-Syndication  Agents  (such  consent  not  to  be
unreasonably withheld or delayed).

             (d)    Existing  Indebtedness.   Except  as  set forth on Schedule
6.1(g),  on  the  Second  Amendment  Effective  Date,  concurrently   with  the
                                        -88-
<PAGE>

consummation  of  the  Kerr  Acquisition, (i) all Indebtedness of Kerr and  its
Subsidiaries  shall  have  been repaid   or   repurchased   in  full,  (ii) all
commitments  relating  thereto  to  lend  or  make other extensions  of  credit
thereunder  will  have  been  terminated any commitments,  (iii) Co-Syndication
Agents  and  Administrative  Agent   shall   have  received  all  documents  or
instruments necessary to release all Liens securing  any  Indebtedness  of Kerr
and its Subsidiaries (other than as set forth on Schedule 6.1(g)) or any  other
obligations  of  Kerr and its Subsidiaries being repaid on the Second Amendment
Effective Date, and (iv) arrangements satisfactory to Co-Syndication Agents and
Administrative Agent  with respect to the cancellation of any letters of credit
outstanding under the Indebtedness of Kerr and its Subsidiaries or the issuance
of Letters of Credit to  support  the  obligations of Kerr and its Subsidiaries
with respect thereto.

             (e)    Transaction Costs.   On  or  prior  to the Second Amendment
Effective Date, Company shall have delivered to Administrative  Agent Company's
reasonable best estimate of the Transaction Costs (other than fees  payable  to
any Agent).

             (f)    Consents  and  Approvals.   Each  Credit  Party  shall have
obtained   all third-party   consents  identified  in  Section  6.2(d)  of  the
disclosure  schedule to the Kerr  Merger  Agreement  (provided,  that  if  Kerr
Sellers agree  in  writing  in  form  and  substance reasonably satisfactory to
Company  to  indemnify  Company  and  Kerr  for  any   and  all  losses  (which
indemnification  shall  not  be subject to any cap, deductible  or  de  minimis
limitations  imposed  on indemnification  obligations  under  the  Kerr  Merger
Agreement) that result  from  the  failure  to obtain each of such consents not
previously obtained, the foregoing condition  shall  be  deemed  satisfied with
respect  to such consents), and the applicable waiting period under  the  Hart-
Scott-Rodino Antitrust Improvements Act of 1976, as amended, shall have expired
or been terminated.

             (g)    Real  Estate  Assets.   In  order  to  create  in  favor of
Collateral  Agent, for the benefit of Secured Parties, a valid and, subject  to
any filing and/or  recording  referred  to  herein,  perfected  First  Priority
security  interest  in  each Material Real Estate Asset, Collateral Agent shall
have received from Company and each applicable Guarantor:

                    (i)   fully  executed  and  notarized  Mortgages, in proper
       form   for  recording  in  all  appropriate  places  in  all  applicable
       jurisdictions,  encumbering  each Material Real Estate Asset of Kerr and
       its Subsidiaries listed in Schedule 3.4(g)  (each,  a  "SECOND AMENDMENT
       EFFECTIVE DATE MORTGAGED PROPERTY");

                    (ii)  Mortgage Modifications with respect to the Mortgages,
       duly  executed  by the applicable Credit Party in appropriate  form  for
       filing in all filing  or recording offices that the Collateral Agent may
       deem necessary or desirable  in order to maintain a valid and subsisting
       Lien subject only to Permitted  Liens  on the property described therein
       in favor of the Collateral Agent for the benefit of the Secured Parties,
                                        -89-
<PAGE>

       together with the evidence of the insurance  required  by  the  terms of
       each  Mortgage  (subject to such exceptions as may be acceptable to  the
       Collateral Agent);

                    (iii) an   opinion  of  counsel  (which  counsel  shall  be
       reasonably satisfactory to  Collateral  Agent)  in each state in which a
       Second  Amendment  Effective  Date Mortgaged Property  is  located  with
       respect to the enforceability of the form(s) of Mortgages to be recorded
       in such state and such other matters  as Collateral Agent may reasonably
       request, in each case in form and substance  reasonably  satisfactory to
       Collateral Agent;

                    (iv)  in  the  case of each Leasehold Property  that  is  a
       Second Amendment Effective Date  Mortgaged  Property,  (1) a  Landlord's
       Consent,  Estoppel Certificate and Amendment and (2) evidence that  such
       Leasehold Property  is  a  Recorded Leasehold Interest; provided that if
       Company could not, despite its  use  of commercially reasonable efforts,
       procure the Landlord's Consent, Estoppel  Certificate and Amendment with
       respect to any such Leasehold Property, such  Leasehold  Property  shall
       not  be  deemed  to  be  a  Second  Amendment  Effective  Date Mortgaged
       Property;

                    (v)   evidence  of  flood  insurance with respect  to  each
       Flood Hazard Property that is located in  a  community that participates
       in the National Flood Insurance Program, in each case in compliance with
       any  applicable  regulations of the Board of Governors  of  the  Federal
       Reserve  System,  in  form  and  substance  reasonably  satisfactory  to
       Collateral Agent;

                    (vi)  ALTA/ACSM  surveys (or any other surveys available in
       such  state and reasonably satisfactory  to  Collateral  Agent)  of  all
       Second  Amendment  Effective  Date  Mortgaged  Properties,  certified to
       Collateral Agent and dated not more than thirty days prior to the Second
       Amendment   Effective   Date   and  in  form  and  substance  reasonably
       satisfactory to Collateral Agent.

                    (vii) fully executed  UCC-1  fixture  filings for filing in
       each location Collateral Agent reasonably determines  to be appropriate;
       and

                    (viii)an appraisal of each Second Amendment  Effective Date
       Mortgaged  Property  in  form  and  substance  reasonably acceptable  to
       Collateral Agent.

             (h)    Other  Collateral.   In  order  to  create   in   favor  of
Collateral Agent, for the benefit of Secured Parties, a valid, perfected  First
Priority  security  interest  in  the  Collateral  consisting of the assets and
Capital  Stock of Kerr and its Subsidiaries (other than  Real  Estate  Assets),
Collateral  Agent  shall have received with respect to assets and Capital Stock
of Kerr and its Subsidiaries constituting Collateral:

                    (i)   evidence  satisfactory to the Collateral Agent (i) of
       the compliance by each Credit  Party  of  their  obligations  under  the
       Pledge  and  Security Agreement and the other Collateral Documents, (ii)
                                        -90-
<PAGE>

       that  all  filings,   recordings,   registrations   and   other  actions
       (including,  without  limitation, the filing of financing statements  on
       form UCC-1, the delivery  of  originals  of  securities, instruments and
       chattel  paper  and any agreements governing deposit  and/or  securities
       accounts) necessary  to  perfect  the  Liens  created  by the Collateral
       Documents, have been filed, recorded, registered or taken  or  have been
       delivered to the Collateral Agent for filing, recording, registration or
       other  action  and  (iii) that Collateral Agent, for the benefit of  the
       Secured Parties, has  a  perfected  security  interest  in  all  of  the
       Collateral;

                    (ii)  an  updated Collateral Questionnaire dated the Second
       Amendment Effective Date  and  executed by an Authorized Officer of each
       Credit  Party,  together  with  all  attachments  contemplated  thereby,
       including (A) the results of a recent  search,  by  a  Person reasonably
       satisfactory  to  Collateral  Agent,  of  all  effective  UCC  financing
       statements  made  with respect to any property, the creation of security
       interests in which  is  governed  by the UCC, of any Credit Party in the
       jurisdictions specified in the Collateral  Questionnaire,  together with
       copies  of  all  such  filings  disclosed  by  such search, and (B)  UCC
       termination  statements  duly  executed  by all applicable  Persons  for
       filing in all applicable jurisdictions as  may be necessary to terminate
       any effective UCC financing statements disclosed  in  such search (other
       than any such financing statements in respect of Permitted Liens);

                    (iii) opinions  of counsel (which counsel shall  reasonably
       be satisfactory to Collateral  Agent)  with  respect to the creation and
       perfection of the security interests in favor  of  Collateral  Agent  in
       such  Collateral  and  such  other  matters governed by the laws of each
       jurisdiction in which any Credit Party  is  located  as Collateral Agent
       may  reasonably  request, in each case in form and substance  reasonably
       satisfactory to Collateral Agent; and

                    (iv)  evidence  that  each Credit Party has taken or caused
       to be taken all other actions, and has  executed and delivered or caused
       to  be  executed  and  delivered  all  other agreements,  documents  and
       instruments and has made or caused to be  made  all  other  filings  and
       recordings  (other  than  as  set  forth  herein) reasonably required by
       Collateral Agent.

             (i)    Financial  Statements;  Projections.   Lenders  shall  have
received from Holdings (i) as soon as available  but in no event later than May
31,  2005,  (x)  pro  forma consolidated and consolidating  balance  sheets  of
Holdings and its Subsidiaries as of the last day of the Fiscal Quarter ended on
or about March 31, 2005 and (y) pro forma consolidated and consolidating income
statements, statements  of  cash flow and statements of shareholders' equity of
Holdings and its Subsidiaries  for  the fiscal quarter and for the twelve-month
period  ended  on  or  about  March  31, 2005,  in  each  case  reflecting  the
consummation of the Kerr Acquisition,  the  related  financings  and  the other
transactions  contemplated  by  the  Credit  Documents and the Kerr Acquisition
                                        -91-
<PAGE>

Documents to occur on or prior to the Second Amendment  Effective Date, or (ii)
if such pro forma financial statements for the twelve-month  period ended on or
about March 31, 2005 are not available prior to May 31, 2005,  then  pro  forma
consolidated  and consolidating balance sheets of Holdings and its Subsidiaries
as of the last  day  of the Fiscal Year ended on or about December 31, 2004 and
(y) pro forma consolidated  and  consolidating income statements, statements of
cash  flow  and  statements  of  shareholders'   equity  of  Holdings  and  its
Subsidiaries for the twelve-month period ended on  or  about December 31, 2004,
in each case reflecting the consummation of the Kerr Acquisition,  the  related
financings and the other transactions contemplated by the Credit Documents  and
the  Kerr  Acquisition  Documents  to occur on or prior to the Second Amendment
Effective Date, and in each of clauses  (i)  and  (ii)  above,  such  pro forma
financial statements shall be in form and substance reasonably satisfactory  to
Co-Syndication  Agents  and  shall  meet the requirements of Regulation S-X for
registration  statements to be filed with  the  United  States  Securities  and
Exchange Commission  on Form S-1 (except as waived in writing by Co-Syndication
Agents) and (iii) the Projections.

             (j)    Evidence  of  Insurance.  Each of Co-Syndication Agents and
Administrative Agent shall have received a certificate from Company's insurance
broker or other evidence satisfactory  to  it that all insurance required to be
maintained  pursuant  to  Section 5.5 is in full  force  and  effect  and  that
Administrative Agent, for the  benefit  of Lenders has been named as additional
insured and loss payee thereunder to the extent required under Section 5.5.

             (k)    Opinions of Counsel to  Credit  Parties.  Lenders and their
respective  counsel  shall  have  received originally executed  copies  of  the
favorable written opinions of Fried, Frank, Harris, Shriver & Jacobson, counsel
for Credit Parties, in the form of  Exhibit D-1 and as to such other matters as
Administrative Agent or Co-Syndication  Agents may reasonably request, dated as
of the Second Amendment Effective Date and  otherwise  in  form  and  substance
reasonably  satisfactory  to  each  of  Administrative Agent and Co-Syndication
Agents (and each Credit Party hereby instructs  such  counsel  to  deliver such
opinions to Agents and Lenders).

             (l)    Fees.   Company  shall  have  paid to the Agents, the  fees
payable on the Second Amendment Effective Date referred to in Section 2.13(f).

             (m)    Second Amendment Effective Date  Solvency  Certificate.  On
the  Second  Amendment  Effective  Date,  Lenders shall have received a  Second
Amendment Effective Date Solvency Certificate  from the Chief Financial Officer
of Holdings on behalf of Company, dated the Second Amendment Effective Date and
addressed to Co-Syndication Agents, Administrative  Agent  and  Lenders, and in
form,  scope  and  substance reasonably satisfactory to Co-Syndication  Agents,
with appropriate attachments  and demonstrating that after giving effect to the
consummation of the Kerr Acquisition,  the  financing  of  the Kerr Acquisition
pursuant to this Agreement and the other transactions contemplated  by the Kerr
                                        -92-
<PAGE>

Acquisition  Documents  to  occur on or prior to the Second Amendment Effective
Date, Company and its Subsidiaries,  on  a  consolidated basis, are and will be
Solvent.

             (n)    Second Amendment Effective  Date Certificate.  Holdings and
Company shall have delivered to Co-Syndication Agents  and Administrative Agent
an  originally  executed Second Amendment Effective Date Certificate,  together
with all attachments thereto.

             (o)    Credit  Rating.   The  Term  Loans  provided for under this
Agreement shall have been assigned a credit rating by Moody's and S&P.

             (p)    Completion of Proceedings.  All partnership,  corporate and
other  proceedings  taken  or  to  be taken in connection with the transactions
contemplated hereby and all documents  incidental  thereto not previously found
acceptable by Administrative Agent or Co-Syndication  Agents  and their counsel
shall  be  satisfactory in form and substance to Administrative Agent  and  Co-
Syndication  Agents  and such counsel, and Administrative Agent, Co-Syndication
Agents and such counsel  shall  have received all such counterpart originals or
certified copies of such documents  as  Administrative  Agent or Co-Syndication
Agents may reasonably request.

             (q)    Maximum Total Leverage.  At the Second  Amendment Effective
Date,  the ratio of (x) pro forma Consolidated Total Debt of Holdings  and  its
Subsidiaries  (after giving effect to the Kerr Acquisition and the transactions
contemplated by the Credit Documents and the Kerr Acquisition Documents) to (y)
pro forma Consolidated  Adjusted  EBITDA  (after  giving  effect  to  the  Kerr
Acquisition  and  the transactions contemplated by the Credit Documents and the
Kerr Acquisition Documents)  shall not be greater than 5.50:1.00 for the latest
twelve-month period for which financial statements are then available.

             (r)    Amendments   and   Assignments   to   Existing   Collateral
Documents.   In  order to create or maintain in favor of Collateral Agent,  for
the benefit of Secured  Parties,  a  valid,  perfected  First Priority security
interest  in the Collateral (other than Real Estate Assets),  Collateral  Agent
shall have  received  such  amendments, assignments and/or replacements of such
existing Collateral Documents,  in  each  case in form and substance reasonably
satisfactory to, and as reasonably required by, Collateral Agent.

             (s)    Payment of Interest.  Company shall have made payment on or
before the Second Amendment Effective Date of all accrued and unpaid interest
due pursuant to the terms of Section 2.1(b)(iii) of this Agreement.

Each Lender, by delivering its signature page to the Amendment and/or funding a
Loan  on  the  Second  Amendment  Effective  Date,  shall  be  deemed  to  have
acknowledged receipt of, and consented to and  approved,  each  Credit Document
and each other document required to be approved by any Agent, Requisite Lenders
or Lenders, as applicable on the Second Amendment Effective Date.
                                        -93-
<PAGE>

       3.5.  EFFECT OF AGREEMENT ON OTHER CREDIT DOCUMENTS

             .  By its signature on the Existing Agreement or on the Amendment,
each  Credit  Party  acknowledges  and  agrees that this Agreement is  a  valid
amendment of the Existing Agreement made  in  accordance with the terms thereof
and binding against such Credit Party and that each Credit Document (other than
this  Agreement) shall continue to be valid and  binding  against  such  Credit
Party and  its  assets  and  properties  as  of  and after the Second Amendment
Effective  Date  (with any references to the Existing  Agreement  in  any  such
Credit Document construed as references to this Agreement).

SECTION 4.     REPRESENTATIONS AND WARRANTIES

             In order  to  induce  Lenders  and Issuing Bank to enter into this
Agreement and to make each Credit Extension to  be  made  thereby,  each Credit
Party  represents  and warrants to each Lender and Issuing Bank, on the  Second
Amendment Effective Date and on each Credit Date, that the following statements
are true and correct,  except  to  the  extent  any  representation or warranty
relates  to a specific date, in which case such statement  shall  be  true  and
correct as of such specific date.

       4.1.  ORGANIZATION; REQUISITE POWER AND AUTHORITY; QUALIFICATION

             .   Each  of  Holdings and its Subsidiaries (a) is duly organized,
validly existing and in good  standing  under  the  laws of its jurisdiction of
organization  as identified in Schedule 4.1, (b) has all  requisite  power  and
authority to own  and  operate  its properties, to carry on its business as now
conducted and as proposed to be conducted,  to  enter into the Credit Documents
to which it is a party and to carry out the transactions  contemplated thereby,
and (c) is qualified to do business and in good standing in  every jurisdiction
where its assets are located and wherever necessary to carry out  its  business
and operations, except in jurisdictions where the failure to be so qualified or
in  good standing has not had, and could not reasonably be expected to have,  a
Material Adverse Effect.

       4.2.  CAPITAL STOCK AND OWNERSHIP

             .   The Capital Stock of each of Holdings and its Subsidiaries has
been duly authorized  and  validly issued and is fully paid and non-assessable.
Except as set forth on Schedule 4.2, as of the Second Amendment Effective Date,
there  is  no  existing option,  warrant,  call,  right,  commitment  or  other
agreement to which  Holdings  or  any of its Subsidiaries is a party requiring,
and  there  is  no  Capital  Stock  of Holdings  or  any  of  its  Subsidiaries
outstanding which upon conversion or  exchange  would  require, the issuance by
Holdings or any of its Subsidiaries of any additional Capital Stock of Holdings
or any of its Subsidiaries or other Securities convertible  into,  exchangeable
for  or  evidencing  the  right to subscribe for or purchase, Capital Stock  of
Holdings or any of its Subsidiaries.   Schedule 4.2  correctly  sets  forth the
ownership interest of Holdings and each of its Subsidiaries in their respective
Subsidiaries as of the Second Amendment Effective Date.

       4.3.  DUE AUTHORIZATION

             .   The  transactions  contemplated  by  the  Credit Documents are
within  the  corporate powers of each Credit Party and the execution,  delivery
                                        -94-
<PAGE>

and performance  of  the  Credit  Documents  have  been  duly authorized by all
necessary action on the part of each Credit Party that is a party thereto.

       4.4.  GUARANTOR SUBSIDIARIES

             .  Schedule 4.4 correctly sets forth, as of the  Second  Amendment
Effective Date, all of Company's Guarantor Subsidiaries who are parties to this
Agreement.

       4.5.  NO CONFLICT

             .   The  execution, delivery and performance by Credit Parties  of
the Credit Documents to  which  they  are  parties  and the consummation of the
transactions  contemplated by the Credit Documents do  not  and  will  not  (a)
violate any provision  of  any  law  or  any  governmental  rule  or regulation
applicable  to  Holdings  or any of its Subsidiaries, any of the Organizational
Documents of Holdings or any  of  its  Subsidiaries,  or any order, judgment or
decree of any court or other agency of government binding on Holdings or any of
its Subsidiaries except to the extent such violation, individually  or  in  the
aggregate,  could not reasonably be expected to have a Material Adverse Effect;
(b) conflict  with,  result  in  a  breach of or constitute (with due notice or
lapse of time or both) a default under  any  Contractual Obligation of Holdings
or  any  of  its Subsidiaries except to the extent  such  conflict,  breach  or
default, individually  or in the aggregate, could not reasonably be expected to
have a Material Adverse  Effect;  (c) result  in  or  require  the  creation or
imposition of any Lien upon any of the properties or assets of Holdings  or any
of  its  Subsidiaries  (other  than  any  Liens created under any of the Credit
Documents in favor of Collateral  Agent, on  behalf  of Secured Parties) except
to the extent that the creation or imposition of any such  Liens,  individually
or  in  the  aggregate,  could  not  reasonably  be expected to have a Material
Adverse  Effect;  or  (d) require  any  approval  of stockholders,  members  or
partners  or  any  approval  or  consent  of any Person under  any  Contractual
Obligation of Holdings or any of its Subsidiaries, except for such approvals or
consents which will be obtained on or before  the  Second  Amendment  Effective
Date  and disclosed in writing to Lenders and except for any such approvals  or
consents  the  failure  of  which  to obtain, individually or in the aggregate,
could not reasonably be expected to have a Material Adverse Effect.

       4.6.  GOVERNMENTAL CONSENTS

             .  The execution, delivery  and  performance  by Credit Parties of
the  Credit  Documents  to which they are parties and the consummation  of  the
transactions contemplated  by  the Credit Documents do not and will not require
any registration with, consent or  approval  of,  or notice to, or other action
to,  with  or by, any Governmental Authority, except  for  such  registrations,
consents, approvals,  notices  or  actions  the  failure  of  which  to obtain,
individually  or in the aggregate, could not reasonably be expected to  have  a
Material Adverse Effect.

       4.7.  BINDING OBLIGATION

             .   Each  Credit  Document has been duly executed and delivered by
each Credit Party that is a party  thereto and is the legally valid and binding
obligation  of such Credit Party, enforceable  against  such  Credit  Party  in
accordance with  its  respective terms, except as may be limited by bankruptcy,
insolvency, reorganization,  moratorium or similar laws relating to or limiting
creditors'  rights  generally  or   by   equitable   principles   relating   to
enforceability.
                                        -95-
<PAGE>

       4.8.  HISTORICAL FINANCIAL STATEMENTS

             .  The Historical Financial Statements were prepared in conformity
with GAAP and fairly present, in all material respects, the financial position,
on  a consolidated basis, of the Persons described in such financial statements
as at  the  respective  dates  thereof  and  the results of operations and cash
flows, on a consolidated basis, of the entities  described  therein for each of
the  periods  then ended, subject, in the case of any such unaudited  financial
statements, to  changes  resulting  from audit and normal year-end adjustments.
As of the Second Amendment Effective  Date,  neither  Holdings  nor  any of its
Subsidiaries  has  any  contingent  liability or liability for taxes, long-term
lease or unusual forward or long-term  commitment  that is not reflected in the
Historical Financial Statements or the notes thereto and which in any such case
is  material  in  relation  to  the business, operations,  properties,  assets,
condition (financial or otherwise)  or  prospects  of  Holdings  and any of its
Subsidiaries taken as a whole.

       4.9.  PROJECTIONS

             .   On  and  as  of  the  Second  Amendment  Effective  Date,  the
Projections  of  Holdings  and  its Subsidiaries for the period beginning  with
Fiscal Year 2006 through and including Fiscal Year 2011 (the "PROJECTIONS") are
based on good faith estimates and reasonable assumptions made by the management
of Holdings; provided, the Projections  are  not to be viewed as facts and that
actual  results during the period or periods covered  by  the  Projections  may
differ from such Projections and that the differences may be material; provided
further,  as  of  the  Second  Amendment Effective Date, management of Holdings
believed that the Projections were reasonable and attainable.

       4.10. NO MATERIAL ADVERSE CHANGE

             .  Since January 1,  2005  (and solely for purposes of determining
compliance with Sections 3.2 and 3.4 on the  Second  Amendment  Effective  Date
with  respect  to  Kerr  and  its  Subsidiaries,  December  31, 2004) no event,
circumstance or change has occurred that has caused or evidences, either in any
case or in the aggregate, a continuing Material Adverse Effect.

       4.11. ADVERSE PROCEEDINGS, ETC

             .   There  are  no  Adverse Proceedings, individually  or  in  the
aggregate, that could reasonably be expected to have a Material Adverse Effect.
Neither  Holdings  nor  any of its Subsidiaries  (a) is  in  violation  of  any
applicable laws (including  Environmental  Laws)  that,  individually or in the
aggregate, could reasonably be expected to have a Material  Adverse  Effect, or
(b) is  subject  to  or  in default with respect to any final judgments, writs,
injunctions, decrees, rules  or regulations of any court or any federal, state,
municipal or other governmental  department,  commission, board, bureau, agency
or  instrumentality,  domestic  or  foreign,  that,   individually  or  in  the
aggregate, could reasonably be expected to have a Material Adverse Effect.

       4.12. PAYMENT OF TAXES

             .  Except as otherwise permitted under Section  5.3,  all material
tax returns and reports of Holdings and its Subsidiaries required to  be  filed
by  any of them have been timely filed, and all taxes shown on such tax returns
to be due and payable and all material assessments, fees and other governmental
charges   upon   Holdings  and  its  Subsidiaries  and  upon  their  respective
                                        -96-
<PAGE>

properties, assets, income, businesses and franchises which are due and payable
have been paid when  due  and  payable.   Holdings  knows  of  no  proposed tax
assessment  against  Holdings  or  any  of its Subsidiaries which is not  being
actively  contested  by  Holdings  or such Subsidiary  in  good  faith  and  by
appropriate  proceedings;  provided,  such   reserves   or   other  appropriate
provisions,  if  any, as shall be required in conformity with GAAP  shall  have
been made or provided therefor.

       4.13. PROPERTIES

             .

             (a)    Title.  Each of Holdings and its Subsidiaries has (i) good,
sufficient and legal  title to (in the case of fee interests in real property),
(ii) valid leasehold interests  in  (in the case of leasehold interests in real
or personal property), and (iii) good  title  to  (in  the  case  of  all other
personal property), all of their respective properties and assets reflected  in
their respective Historical Financial Statements referred to in Section 4.8 and
in  the  most recent financial statements delivered pursuant to Section 5.1, in
each case  except  for  assets  disposed  of  since  the date of such financial
statements in the ordinary course of business of Company  and  its Subsidiaries
or  as  otherwise  permitted  under Section 6.9.  Except as permitted  by  this
Agreement, all such properties and assets are free and clear of Liens.

             (b)    Real Estate.   As  of  the Second Amendment Effective Date,
Schedule 4.13  contains a true, accurate and  complete  list  of  (i) all  Real
Estate  Assets,  and  (ii) all  leases,  subleases  or  assignments  of  leases
(together  with  all   amendments,   modifications,  supplements,  renewals  or
extensions of any thereof) affecting each  Real  Estate  Asset  of  any  Credit
Party,  regardless  of  whether  such  Credit  Party  is the landlord or tenant
(whether directly or as an assignee or successor in interest) under such lease,
sublease  or  assignment.   Each  agreement  listed  in  clause   (ii) of   the
immediately  preceding  sentence  is in full force and effect and Holdings does
not  have  knowledge  of  any  default that  has  occurred  and  is  continuing
thereunder, and each such agreement  constitutes  the legally valid and binding
obligation  of each applicable Credit Party, enforceable  against  such  Credit
Party in accordance  with  its  terms,  except as enforcement may be limited by
bankruptcy, insolvency, reorganization, moratorium  or similar laws relating to
or limiting creditors' rights generally or by equitable principles.

       4.14. ENVIRONMENTAL MATTERS

             .  Except as set forth on Schedule 4.14,  (i) neither Holdings nor
any  of its Subsidiaries nor any of their respective Facilities  or  operations
are subject  to  any  outstanding  written  order, consent decree or settlement
agreement with any Person relating to any Environmental  Law, any Environmental
Claim,  or any Hazardous Materials Activity, (ii) there are  and,  to  each  of
Holdings'   and   its   Subsidiaries'  knowledge,  have  been,  no  conditions,
occurrences,  or Hazardous  Materials  Activities  which  could  reasonably  be
expected to form the basis of an Environmental Claim against Holdings or any of
its Subsidiaries,  (iii)  neither  Holdings  nor  any  of  its Subsidiaries has
received  any  letter  or  request  for information under Section  104  of  the
Comprehensive  Environmental Response,  Compensation,  and  Liability  Act  (42
U.S.C. {section} 9604)  or any comparable state law, in each of cases (i), (ii)
and (iii) that, if resolved  adversely, individually or in the aggregate, could
                                        -97-
<PAGE>

reasonably be expected to have  a  Material Adverse Effect. Compliance with all
current or reasonably foreseeable future  requirements  pursuant  to  or  under
Environmental Laws could not reasonably be expected to have, individually or in
the  aggregate,  a Material Adverse Effect.  No event or condition has occurred
or is occurring with respect to Holdings or any of its Subsidiaries relating to
any applicable Environmental  Law,  any  Release of Hazardous Materials, or any
Hazardous Materials Activity which individually or in the aggregate has had, or
could reasonably be expected to have, a Material Adverse Effect, other than the
events and conditions described on Schedule 4.14 as existing on or prior to the
Second Amendment Effective Date.

       4.15. NO DEFAULTS

             .  Neither Holdings nor any of  its  Subsidiaries is in default in
the performance, observance or fulfillment of any of the obligations, covenants
or conditions contained in any of its Contractual Obligations, and no condition
exists which, with the giving of notice or the lapse  of  time  or  both, could
constitute  such  a default, except where the consequences, direct or indirect,
of such default or defaults, if any, could not reasonably be expected to have a
Material Adverse Effect.

       4.16. GOVERNMENTAL REGULATION

             .  Neither  Holdings  nor  any  of  its Subsidiaries is subject to
regulation under the Public Utility Holding Company  Act  of  1935, the Federal
Power Act or the Investment Company Act of 1940 or under any other  federal  or
state  statute  or regulation which may limit its ability to incur Indebtedness
or  which  may  otherwise   render  all  or  any  portion  of  the  Obligations
unenforceable.  Neither Holdings  nor  any of its Subsidiaries is a "registered
investment  company"  or a company "controlled"  by  a  "registered  investment
company" or a "principal  underwriter"  of a "registered investment company" as
such terms are defined in the Investment Company Act of 1940.

       4.17. MARGIN STOCK

             .   Neither  Holdings  nor any  of  its  Subsidiaries  is  engaged
principally,  or  as  one  of its important  activities,  in  the  business  of
extending credit for the purpose  of  purchasing  or carrying any Margin Stock.
No part of the proceeds of the Loans made to such Credit  Party will be used to
purchase or carry any such margin stock or to extend credit  to  others for the
purpose of purchasing or carrying any such margin stock or for any purpose that
violates, or is inconsistent with, the provisions of Regulation T,  U  or  X of
the Board of Governors of the Federal Reserve System.

       4.18. EMPLOYEE MATTERS

             .   Neither Holdings nor any of its Subsidiaries is engaged in any
unfair labor practice  that  could  reasonably  be  expected to have a Material
Adverse  Effect.   There  is  (a)  no unfair labor practice  complaint  pending
against  Holdings or any of its Subsidiaries,  or  to  the  best  knowledge  of
Holdings and  Company, 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  that is so pending against Holdings
or any of its Subsidiaries or to the best knowledge  of  Holdings  and Company,
threatened against any of them, (b) no strike or work stoppage in existence  or
threatened  involving Holdings or any of its Subsidiaries,  and (c) to the best
                                        -98-
<PAGE>

knowledge of  Holdings  and  Company, no union representation question existing
with respect to the employees  of  Holdings  or any of its Subsidiaries and, to
the best knowledge of Holdings and Company, no union organization activity that
is taking place, except (with respect to any matter  specified  in  clause (a),
(b)  or  (c)  above,  either  individually or in the aggregate) such as is  not
reasonably likely to have a Material Adverse Effect.

       4.19. EMPLOYEE BENEFIT PLANS

             .   Except  as,  individually  or  in  the  aggregate,  could  not
reasonably be expected to have a Material Adverse Effect, (i) Holdings, each of
its  Subsidiaries  and  each  of  their  respective  ERISA  Affiliates  are  in
substantial compliance with all applicable provisions and requirements of ERISA
and the Internal Revenue Code and the regulations and published interpretations
thereunder with respect to each Employee  Benefit  Plan, and have substantially
performed  all their obligations under each Employee  Benefit  Plan,  (ii) each
Employee Benefit  Plan which is intended to qualify under Section 401(a) of the
Internal Revenue Code  has  received  a favorable determination letter from the
Internal Revenue Service indicating that  such  Employee  Benefit  Plan  is  so
qualified  and  nothing  has  occurred  subsequent  to  the  issuance  of  such
determination  letter  which would cause such Employee Benefit Plan to lose its
qualified status, (iii) no  liability  to the PBGC (other than required premium
payments)  has been or is expected to be  incurred  by  Holdings,  any  of  its
Subsidiaries or any of their ERISA Affiliates, (iv) no ERISA Event has occurred
or is reasonably  expected to occur, and (v) Holdings, each of its Subsidiaries
and each of their ERISA  Affiliates  have  complied  with  the  requirements of
Section  515 of ERISA with respect to each Multiemployer Plan and  are  not  in
material "default"  (as defined in Section 4219(c)(5) of ERISA) with respect to
payments to a Multiemployer Plan.)

       4.20. SOLVENCY

             .  Each Credit Party is and, upon the incurrence of any Obligation
by such Credit Party  on  any date on which this representation and warranty is
made  and after giving effect  to  the  provisions  of  Section 7.2,  will  be,
Solvent.

       4.21. COMPLIANCE WITH STATUTES, ETC

             .  Each of Holdings and its Subsidiaries is in compliance with all
applicable statutes, regulations and orders of, and all applicable restrictions
imposed  by,  all  Governmental  Authorities,  in respect of the conduct of its
business  and  the ownership of  its property (including  compliance  with  all
applicable Environmental  Laws  with  respect  to  any  Real  Estate  Asset  or
governing  its  business  and the requirements of any permits issued under such
Environmental Laws with respect to any such Real Estate Asset or the operations
of  Holdings  or any of its Subsidiaries),  except  such  non-compliance  that,
individually or in the aggregate, could not reasonably be expected to result in
a Material Adverse Effect.

       4.22. DISCLOSURE

             .   No representation or warranty of any Credit Party contained in
any  Credit Document  or  in  any  other  documents,  certificates  or  written
statements  furnished  to  Lenders  by  or  on behalf of Holdings or any of its
Subsidiaries for use in connection with the transactions contemplated hereby at
the time such representation or warranty is made  contains any untrue statement
of  a material fact or omits to state a material fact  (known  to  Holdings  or
Company, in the case of any document not furnished by either of them) necessary
                                        -99-
<PAGE>

in order  to  make the statements contained herein or therein not misleading in
light of the circumstances  in  which  the same were made.  Any projections and
pro forma financial information contained in such materials are based upon good
faith  estimates  and  assumptions  believed  by  Holdings  or  Company  to  be
reasonable  at  the  time  made,  it being  recognized  by  Lenders  that  such
projections as to future events are  not  to be viewed as facts and that actual
results during the period or periods covered by any such projections may differ
materially from the projected results.  There  are  no  facts  known  (or which
should  upon  the  reasonable  exercise  of diligence be known) to Holdings  or
Company (other than matters of a general economic nature) that, individually or
in the aggregate, could reasonably be expected  to result in a Material Adverse
Effect  and that have not been disclosed herein or  in  such  other  documents,
certificates and statements furnished to Lenders for use in connection with the
transactions contemplated hereby.

SECTION 5.     AFFIRMATIVE COVENANTS

             Each  Credit  Party  covenants  and  agrees  that  so  long as any
Commitment  is  in  effect  and  until  payment in full of all Obligations  and
cancellation or expiration of all Letters  of  Credit,  each Credit Party shall
perform, and shall cause each of its Subsidiaries to perform,  all covenants in
this Section 5.

       5.1.  FINANCIAL STATEMENTS AND OTHER REPORTS

             .  Holdings will deliver to Administrative Agent and Lenders:

             (a)    Quarterly Financial Statements.  As soon as  available, and
in  any  event  within 45 days after the end of each of the first three  Fiscal
Quarters of each Fiscal Year, the consolidated and consolidating balance sheets
of Holdings and its  Subsidiaries  as at the end of such Fiscal Quarter and the
related consolidated (and with respect  to  sales  and EBITDA and statements of
income,  consolidating)  statements of income, stockholders'  equity  and  cash
flows of Holdings and its  Subsidiaries  for  such  Fiscal  Quarter and for the
period from the beginning of the then current Fiscal Year to  the  end  of such
Fiscal   Quarter,   setting   forth  in  each  case  in  comparative  form  the
corresponding figures for the corresponding periods of the previous Fiscal Year
and the corresponding figures from  the  Financial  Plan for the current Fiscal
Year, all in reasonable detail, together with a Financial Officer Certification
and a Narrative Report with respect thereto;

             (b)    Annual Financial Statements.  As  soon as available, and in
any  event  within  90 days  after  the  end  of  each  Fiscal  Year,   (i) the
consolidated  and consolidating balance sheets of Holdings and its Subsidiaries
as at the end of  such  Fiscal  Year  and  the  related  consolidated (and with
respect to sales, EBITDA and statements of income, consolidating) statements of
income,  stockholders' equity and cash flows of Holdings and  its  Subsidiaries
for such Fiscal  Year,  setting  forth  in  each  case  in comparative form the
corresponding  figures  for  the  previous  Fiscal  Year and the  corresponding
figures from the Financial Plan for the Fiscal Year covered  by  such financial
                                        -100-
<PAGE>

statements,   in   reasonable   detail,   together  with  a  Financial  Officer
Certification  and  a  Narrative  Report with respect  thereto;  and  (ii) with
respect to such consolidated financial  statements  a report thereon of Ernst &
Young or other independent certified public accountants  of recognized national
standing  selected by Holdings, and reasonably satisfactory  to  Administrative
Agent (which  report  shall  be  unqualified  as  to going concern and scope of
audit,  and  shall  state  that such consolidated financial  statements  fairly
present,  in all material respects,  the  consolidated  financial  position  of
Holdings and  its  Subsidiaries  as  at  the dates indicated and the results of
their operations and their cash flows for  the  periods indicated in conformity
with GAAP applied on a basis consistent with prior  years  (except as otherwise
disclosed  in  such  financial  statements)  and that the examination  by  such
accountants in connection with such consolidated  financial statements has been
made in accordance with generally accepted auditing standards) together (to the
extent not inconsistent with the pronouncements of  the  Institute of Certified
Public  Accountants  and  FASB)  with  a written statement by such  independent
certified public accountants stating whether,  in  connection  with their audit
examination,  any  failure  to comply with the terms, covenants, provisions  or
conditions of Article 5 or Article 6  (insofar as they relate to the accounting
matters) has come to their attention and,  if such a failure to comply has come
to their attention, specifying the nature and period of existence thereof;

             (c)    Compliance Certificate.   Together  with  each  delivery of
financial  statements  of  Holdings  and  its Subsidiaries pursuant to Sections
5.1(a) and 5.1(b), a duly executed and completed Compliance Certificate;

             (d)    Statements of Reconciliation  after  Change  in  Accounting
Principles.   If,  as  a  result  of  any  change  in accounting principles and
policies  from  those  used  in  the  preparation  of the Historical  Financial
Statements,  the  consolidated  financial  statements  of   Holdings   and  its
Subsidiaries delivered pursuant to Section 5.1(a) or 5.1(b) will differ  in any
material  respect  from  the  consolidated financial statements that would have
been delivered pursuant to such  subdivisions  had no such change in accounting
principles and policies been made, then, together  with  the  first delivery of
such  financial  statements  after  such  change,  one or more a statements  of
reconciliation for all such prior financial statements  in  form  and substance
satisfactory to Administrative Agent;

             (e)    Notice of Default.  Promptly upon any Authorized Officer of
Holdings  or  Company  obtaining  knowledge (i) of any condition or event  that
constitutes a Default or an Event of  Default  or that notice has been given to
Holdings or Company with respect thereto; (ii) that  any  Person  has given any
notice  to  Holdings or any of its Subsidiaries or taken any other action  with
respect to any  event or condition set forth in Section 8.1(b); or (iii) of the
occurrence of any  events or changes that have caused or evidence, individually
or in the aggregate, a Material Adverse Effect, a certificate of its Authorized
Officers specifying the nature and period of existence of such condition, event
or change, or specifying  the  notice given and action taken by any such Person
and the nature of such claimed Event  of  Default,  Default,  default, event or
condition,  and what action Company has taken, is taking and proposes  to  take
with respect thereto;
                                        -101-
<PAGE>

             (f)    Notice of Litigation.  Promptly upon any Authorized Officer
of Holdings or  Company  obtaining  knowledge  of  (i) the  institution  of, or
non-frivolous   written  threat  of,  any  Adverse  Proceeding  not  previously
disclosed in writing by Company to Lenders, or (ii) any material development in
any Adverse Proceeding,  in  each  of  the cases (i) or (ii) which if adversely
determined, individually or in the aggregate,  could  reasonably be expected to
have a Material Adverse Effect, or which seeks to enjoin  or  otherwise prevent
the consummation of, or to recover any damages or obtain relief as a result of,
the transactions contemplated hereby, written notice thereof together with such
other  information  as  may reasonably be available to Holdings or  Company  to
enable Lenders and their counsel to evaluate such matters;

             (g)    ERISA.   (i) Promptly upon becoming aware of the occurrence
of or forthcoming occurrence of  any  ERISA  Event, a written notice specifying
the nature thereof, what action Holdings, any  of  its  Subsidiaries  or any of
their respective ERISA Affiliates has taken, is taking or proposes to take with
respect thereto and, when known, any action taken or threatened by the Internal
Revenue Service, the Department of Labor or the PBGC with respect thereto;  and
(ii) upon  request  in  writing, with reasonable promptness, copies of (1) each
Schedule B (Actuarial Information)  to  the  annual  report  (Form 5500 Series)
filed  by  Holdings,  any of its Subsidiaries or any of their respective  ERISA
Affiliates with the Internal Revenue Service with respect to each Pension Plan;
(2) all notices received  by  Holdings, any of its Subsidiaries or any of their
respective ERISA Affiliates from  a  Multiemployer  Plan  sponsor concerning an
ERISA Event; and (3) copies of such other documents or governmental  reports or
filings  relating  to  any Employee Benefit Plan as Administrative Agent  shall
reasonably request;

             (h)    Financial Plan.  As soon as practicable and in any event no
later than thirty (30) days  prior  to  the  beginning  of  each Fiscal Year, a
consolidated plan and financial forecast for such Fiscal Year  and  each Fiscal
Year  (or  portion  thereof)  through  the final maturity date of the Loans  (a
"FINANCIAL PLAN"), including (i) a forecasted  consolidated  balance  sheet and
forecasted consolidated statements of income and cash flows of Holdings and its
Subsidiaries  for  each  such  Fiscal  Year,  together  with  a    statement of
forecasted  compliance  with  the financial covenants in Section 6.8 (including
estimates of the information required  in  Annex  A  to  the form of Compliance
Certificate attached hereto) for each such Fiscal Year and  an  explanation  of
the  assumptions  on  which  such  forecasts  are  based,  and  (ii) forecasted
consolidated  statements  of  income  and  cash  flows  of  Holdings  and   its
Subsidiaries  for  each month of each such Fiscal Year, together, in each cases
(i) and (ii), with an  explanation  of  the assumptions on which such forecasts
are based all in form and substance reasonably satisfactory to Agents;

             (i)    Insurance Report.  As  soon as practicable and in any event
by  the  last  day  of  each  Fiscal  Year,  a report  in  form  and  substance
satisfactory to Administrative Agent outlining  all material insurance coverage
maintained as of the date of such report by Holdings  and  its Subsidiaries and
all material insurance coverage planned to be maintained by  Holdings  and  its
Subsidiaries in the immediately succeeding Fiscal Year;
                                        -102-
<PAGE>

             (j)    Notice  of  Change  in Board of Directors.  With reasonable
promptness, written notice of any change  in the board of directors (or similar
governing body) of Holdings or Company;

             (k)    Environmental Disclosure.   The  materials  and information
required to be delivered under Section 5.9(a), as and when required;

             (l)    Information Regarding Collateral.  Information  required to
be delivered pursuant to Section 3.1(c) of the Pledge and Security Agreement.

             (m)    Other Information.  Promptly upon their becoming available,
(i) copies   of  (A) all  financial  statements,  reports,  notices  and  proxy
statements sent or made available generally by Holdings to its security holders
acting in such  capacity  or  by  any  Subsidiary  of  Holdings to its security
holders other than Holdings or another Subsidiary of Holdings,  (B) all regular
and periodic reports and all registration statements and prospectuses,  if any,
filed  by  Holdings or any of its Subsidiaries with any securities exchange  or
with the Securities  and  Exchange  Commission  or  any governmental or private
regulatory  authority,  (C) all  press  releases  and  other   statements  made
available  generally  by  Holdings  or  any  of its Subsidiaries to the  public
concerning material developments in the business  of  Holdings  or  any  of its
Subsidiaries, and (ii) such other information and data with respect to Holdings
or any of its Subsidiaries as from time to time may reasonably be requested  by
Administrative Agent or any Lender.

       5.2.  EXISTENCE

             .   Except  as  otherwise permitted under Section 6.9, each Credit
Party will, and will cause each  of  its Subsidiaries to, at all times preserve
and keep in full force and effect its  existence and all rights and franchises,
licenses and permits material to its business; provided, no Credit Party or any
of its Subsidiaries shall be required to  preserve any such existence, right or
franchise, licenses and permits if such Person's board of directors (or similar
governing  body) shall determine that the preservation  thereof  is  no  longer
desirable in  the  conduct  of  the  business of such Person, and that the loss
thereof could not reasonably be expected to have a Material Adverse Effect.

       5.3.  PAYMENT OF TAXES AND CLAIMS

             .  Each Credit Party will, and will cause each of its Subsidiaries
to, pay all Taxes imposed upon it or any  of  its  properties  or  assets or in
respect  of  any of its income, businesses or franchises before any penalty  or
fine accrues thereon,  and  all  claims  (including claims for labor, services,
materials and supplies) for sums that have  become  due and payable and that by
law have or may become a Lien upon any of its properties  or  assets,  prior to
the  time  when  any  penalty  or  fine shall be incurred with respect thereto;
provided, no such Tax or claim need  be  paid  if it is being contested in good
faith by appropriate proceedings promptly instituted  and diligently conducted,
so  long as (a) adequate reserve or other appropriate provision,  as  shall  be
required  in conformity with GAAP shall have been made therefor, and (b) in the
case of a charge  or  claim  which  has or may become a Lien against any of the
Collateral, such contest proceedings  conclusively  operate to stay the sale of
any portion of the Collateral to satisfy such Tax or claim.
                                        -103-
<PAGE>

       5.4.  MAINTENANCE OF PROPERTIES

             .  Each Credit Party will, and will cause each of its Subsidiaries
to,  maintain  or  cause  to be maintained in good repair,  working  order  and
condition, ordinary wear and  tear  excepted,  all  material properties used or
useful in the business of Holdings and its Subsidiaries  and  from time to time
will  make  or  cause  to  be  made  all  appropriate  repairs,  renewals   and
replacements thereof.

       5.5.  INSURANCE

             .   Holdings  will  maintain  or  cause  to  be  maintained,  with
financially  sound  and  reputable  insurers,  such public liability insurance,
third  party  property damage insurance, business  interruption  insurance  and
casualty insurance  with respect to liabilities, losses or damage in respect of
the assets, properties  and  businesses of Holdings and its Subsidiaries as may
customarily be carried or maintained  under similar circumstances by Persons of
established reputation engaged in similar  businesses,  in  each  case  in such
amounts (giving effect to self-insurance), with such deductibles, covering such
risks and otherwise on such terms and conditions as shall be customary for such
Persons.   Without  limiting  the  generality  of  the foregoing, Holdings will
maintain or cause to be maintained (a) flood insurance  with  respect  to  each
Flood  Hazard  Property that is located in a community that participates in the
National  Flood  Insurance  Program,  in  each  case  in  compliance  with  any
applicable regulations of the Board of Governors of the Federal Reserve System,
and (b) first party,  property  coverage insurance on the Collateral under such
policies of insurance, with such  insurance  companies,  in  such amounts, with
such  deductibles,  and  covering  such  risks as are at all times  carried  or
maintained under similar circumstances by  Persons  of  established  reputation
engaged  in  similar  businesses.  Each such policy of insurance shall (i) name
Administrative Agent, on  behalf of Lenders as an additional insured thereunder
as its interests may appear  and  (ii) in  the  case of each casualty insurance
policy, contain a loss payable clause or endorsement,  satisfactory in form and
substance to Administrative Agent, that names Administrative  Agent,  on behalf
of  Lenders  as  the  loss  payee thereunder and provides for at least 30 days'
prior  written  notice  to  Administrative   Agent   of   any  modification  or
cancellation of such policy.

       5.6.  INSPECTIONS

             .  Each Credit Party will, and will cause each of its Subsidiaries
to, permit any authorized representatives designated by any  Agent or Lender to
visit  and  inspect any of the properties of any Credit Party and  any  of  its
respective Subsidiaries,  to  inspect  and  copy  its  and  their financial and
accounting records, and to discuss its and their affairs, finances and accounts
with  its  and  their  officers  and independent public accountants,  all  upon
reasonable notice and at such reasonable times during normal business hours and
as often as may reasonably be requested.   If  such visit and inspection occurs
at a time when no Default or Event of Default has  occurred  and is continuing,
such visit and inspection shall be at the expense of such Lender  and,  if such
visit  and  inspection occurs at a time when a Default or Event of Default  has
occurred and  is continuing, such visit and inspection shall be paid by Company
pursuant to Section  10.2.  By this provision, each Credit Party authorizes its
independent public accountants to discuss the affairs, finances and accounts of
such Credit Party and its Subsidiaries, provided, such Credit Party may, if its
so chooses, be present and participate in any such discussion.
                                        -104-
<PAGE>

       5.7.  LENDERS MEETINGS

             .  Holdings  and  Company will, upon the request of Administrative
Agent or Requisite Lenders, participate  in  a  meeting of Administrative Agent
and  Lenders  once during each Fiscal Year to be held  at  Company's  corporate
offices (or at  such  other  location  as  may  be  agreed  to  by  Company and
Administrative  Agent)  at  such  time  as  may  be  agreed  to  by Company and
Administrative Agent.

       5.8.  COMPLIANCE WITH LAWS

             .   Each  Credit  Party will comply, and shall cause each  of  its
Subsidiaries and all other Persons,  if  any, on or occupying any Facilities to
comply, with the requirements of all applicable  laws,  rules,  regulations and
orders  of  any  governmental  authority  (including  all Environmental  Laws),
noncompliance with which could reasonably be expected to  have, individually or
in the aggregate, a Material Adverse Effect.

       5.9.  ENVIRONMENTAL

             .

             (a)    Environmental   Disclosure.   Holdings  will   deliver   to
Administrative Agent and Lenders the  following  information  and materials, in
each case to the extent that they relate to circumstances that, individually or
in  the  aggregate,  could  reasonably  be expected to have a Material  Adverse
Effect:

                    (i)   as  soon as practicable  following  receipt  thereof,
       copies of all environmental audits, investigations, analyses and reports
       whether prepared by personnel  of Holdings or any of its Subsidiaries or
       by  independent  consultants,  governmental  authorities  or  any  other
       Persons,  with  respect  to significant  environmental  matters  at  any
       Facility or with respect to any Environmental Claims;

                    (ii)  promptly  upon the occurrence thereof, written notice
       describing in reasonable detail  (A) any Release required to be reported
       to any federal, state or local governmental  or  regulatory agency under
       any  applicable  Environmental Laws, (B) any remedial  action  taken  by
       Holdings or any other  Person  in  response  to  any Hazardous Materials
       Activities and (C) Holdings' or Company's discovery of any occurrence or
       condition  on  any  real property adjoining or in the  vicinity  of  any
       Facility that could cause  such  Facility  or  any  part  thereof  to be
       subject  to  any  material  restrictions  on  the  ownership, occupancy,
       transferability or use thereof under any Environmental Laws;

                    (iii) as  soon  as  practicable following  the  sending  or
       receipt thereof by Holdings or any  of  its  Subsidiaries, a copy of any
       and  all written communications with respect to  (A)  any  Environmental
       Claims  (B) any Release required to be reported to any federal, state or
       local  governmental  or  regulatory  agency,  and  (C) any  request  for
       information  from  any  governmental agency that suggests such agency is
       investigating  whether Holdings  or  any  of  its  Subsidiaries  may  be
       potentially responsible for any Hazardous Materials Activity;
                                        -105-
<PAGE>

                    (iv)  prompt written notice describing in reasonable detail
       (A) any proposed  acquisition  of stock, assets, or property by Holdings
       or any of its Subsidiaries that  could  reasonably be expected to expose
       Holdings  or  any of its Subsidiaries to, or  result  in,  Environmental
       Claims or affect  the  ability of Holdings or any of its Subsidiaries to
       maintain  in  full  force and  effect  all  Governmental  Authorizations
       required under any Environmental  Laws  for  their respective operations
       and  (B) any  proposed  action to be taken by Holdings  or  any  of  its
       Subsidiaries  to  modify current  operations  in  a  manner  that  could
       reasonably be expected to subject Holdings or any of its Subsidiaries to
       any additional obligations or requirements under any Environmental Laws;
       and

                    (v)   with  reasonable promptness, such other documents and
       information  as  from  time to  time  may  reasonably  be  requested  by
       Administrative Agent in  relation  to  any matters disclosed pursuant to
       this Section 5.9(a).

             (b)    Hazardous Materials Activities,  Etc.   Each  Credit  Party
shall promptly take, and shall cause each of its Subsidiaries promptly to take,
any  and  all  actions  necessary  to  (i) cure  any  violation  of  applicable
Environmental  Laws  by such Credit Party or its Subsidiaries and (ii) make  an
appropriate response to  any  Environmental  Claim against such Credit Party or
any of its Subsidiaries and discharge any obligations it may have to any Person
thereunder,  in  each  of  cases (i) and (ii) where  failure  to  do  so  could
reasonably be expected to have,  individually  or  in the aggregate, a Material
Adverse Effect.

       5.10. SUBSIDIARIES

             .  In the event that any Person becomes  a  Domestic Subsidiary of
Company,  whether  pursuant  to  a Permitted Acquisition or otherwise,  Company
shall  (a)  promptly  cause  such Domestic  Subsidiary to  become  a  Guarantor
hereunder and a party to the Intercompany Subordination Agreement and a Grantor
under  the  Pledge  and Security  Agreement  by  executing  and  delivering  to
Administrative Agent  and  Collateral  Agent a Counterpart Agreement (except in
the case of Persons becoming Domestic Subsidiaries  of  Company  as a result of
the  Kerr  Acquisition, such Person shall, in lieu of a Counterpart  Agreement,
execute  and   deliver   to  Administrative  Agent  and  Collateral  Agent  the
Reaffirmation  and  Counterpart  Agreement),  (b) promptly  cause  each  Person
holding Capital Stock  of  such  Domestic  Subsidiary  (whether or not a Credit
Party) to take all of the actions necessary to grant and  to  perfect  a  First
Priority  Lien  in  favor  of  Collateral  Agent for the benefit of the Secured
Parties under the Pledge and Security Agreement  in respect of all such Capital
Stock and (c) take all such actions and execute and  deliver,  or  cause  to be
executed  and  delivered,  all  such  documents,  instruments,  agreements, and
certificates  as  are  similar  to those described in Sections 3.1(b),  3.1(l),
3.1(m), 3.1(n) and 3.1(p) in respect  of  any Collateral required to be secured
for the benefit of Secured Parties under the Pledge and Security Agreement.  In
the event that any Person becomes a Foreign  Subsidiary of Company, and Capital
Stock  of  such  Foreign Subsidiary is directly owned  by  Company  or  by  any
Domestic Subsidiary  of  Company,  Company  shall, or shall cause such Domestic
Subsidiary  to,  deliver,  all  such  documents, instruments,  agreements,  and
certificates as are similar to those described  in  Section 3.1(b), and Company
                                        -106-
<PAGE>

shall take, or shall cause such Domestic Subsidiary to take, all of the actions
necessary to grant and to perfect a First Priority Lien  in favor of Collateral
Agent  for  the  benefit  of  Secured  Parties  under the Pledge  and  Security
Agreement in such Capital Stock.  With respect to each such Subsidiary, Company
shall promptly send to Administrative Agent written  notice  setting forth with
respect to such Person (i) the date on which such Person became a Subsidiary of
Company, and (ii) all of the data required to be set forth in Schedules 4.1 and
4.2 with respect to all Subsidiaries of Company; provided, such  written notice
shall be deemed to supplement Schedule 4.1 and 4.2 for all purposes hereof.

       5.11. ADDITIONAL MATERIAL REAL ESTATE ASSETS

             .   In  the  event that any Credit Party acquires a Material  Real
Estate Asset or any Real Estate  Asset becomes a Material Real Estate Asset and
such interest has not otherwise been made subject to the Lien of the Collateral
Documents in favor of Collateral Agent,  for  the  benefit  of Secured Parties,
then  such  Credit Party, contemporaneously with acquiring such  Material  Real
Estate Asset  or  upon  any  Real  Estate Asset becoming a Material Real Estate
Asset, shall take all such actions and  execute  and  deliver,  or  cause to be
executed and delivered, all such mortgages, documents, instruments, agreements,
opinions and certificates similar to those described in Sections 3.1(l), 3.1(m)
and 3.1(n) with respect to each such Material Real Estate Asset that Collateral
Agent shall reasonably request to create in favor of Collateral Agent,  for the
benefit of Secured Parties, a valid and, subject to any filing and/or recording
referred to herein, perfected First Priority security interest in such Material
Real  Estate  Assets.   In  addition  to  the  foregoing, Company shall, at the
request of Requisite Lenders, deliver, from time  to  time,  to  Administrative
Agent  such  appraisals  as  are  required by law or regulation of Real  Estate
Assets with respect to which Collateral Agent has been granted a Lien.

       5.12. INTEREST RATE PROTECTION

             .  As soon as reasonably  practicable,  and  in any event no later
than 180 days following the Second Amendment Effective Date  and  at  all times
thereafter,  Company shall maintain, or caused to be maintained, in effect  one
or more Interest  Rate  Agreements  for a term of not less than three years and
otherwise in form and substance reasonably satisfactory to Administrative Agent
and Co-Syndication Agents, which Interest  Rate  Agreements  shall  effectively
limit the Unadjusted Eurodollar Rate Component of the interest costs to Company
with respect to an aggregate notional principal amount of not less than 50%  of
the  aggregate  principal  amount  of  Consolidated  Total  Debt (excluding any
Revolving  Loans) outstanding from time to time (based on the  assumption  that
such notional  principal  amount  was  a  Eurodollar Rate Loan with an Interest
Period  of  three  months)  at  a rate and on terms  satisfactory  to  the  Co-
Syndication Agents.

       5.13. TITLE INSURANCE

             .   Within 30 days after  the  Second  Amendment  Effective  Date,
Company and each applicable  Guarantor  shall  provide  to Collateral Agent (A)
ALTA mortgagee title insurance policies (or other policies  available  in  such
state and reasonably satisfactory to Collateral Agent) or unconditional commit-
                                        -107-
<PAGE>

ments therefor issued by one or more title companies reasonably satisfactory to
Collateral Agent with respect to each Second Amendment Effective Date Mortgaged
Property  (each,  a  "TITLE  POLICY"), in amounts not less than the fair market
value of each Second Amendment Effective Date Mortgaged Property, together with
a title report issued by a title  company  with  respect thereto, and copies of
all recorded documents listed as exceptions to title  or  otherwise referred to
therein,  each  in  form  and substance reasonably satisfactory  to  Collateral
Agent, (B) Mortgage modification endorsements to the Title Policies in form and
substance and in amounts acceptable  to  the Collateral Agent, and (C) evidence
satisfactory to Collateral Agent that such  Credit  Party has paid to the title
company  or  to  the  appropriate  governmental authorities  all  expenses  and
premiums of the title company and all  other  sums  required in connection with
the issuance of each Title Policy and all recording and  stamp taxes (including
mortgage recording and intangible taxes) payable in connection  with  recording
the  Mortgages  for each Second Amendment Effective Date Mortgaged Property  in
the appropriate real estate records;

       5.14. FURTHER ASSURANCES

             .  At  any  time  or  from  time  to  time  upon  the  request  of
Administrative Agent, each Credit Party will, at its expense, promptly execute,
acknowledge  and  deliver  such  further  documents  and do such other acts and
things as Administrative Agent or Collateral Agent may  reasonably  request  in
order to effect fully the purposes of the Credit Documents.  In furtherance and
not  in  limitation of the foregoing, each Credit Party shall take such actions
as Administrative Agent or Collateral Agent may reasonably request from time to
time to ensure  that  the  Obligations are guarantied by the Guarantors and are
secured by substantially all of the assets of Holdings and its Subsidiaries and
all of the outstanding Capital  Stock  of Company and its Subsidiaries (subject
to  limitations  contained  in the Credit Documents  with  respect  to  Foreign
Subsidiaries).

SECTION 6.     NEGATIVE COVENANTS

             Each Credit Party  covenants  and  agrees  that,  so  long  as any
Commitment  is  in  effect  and  until  payment  in full of all Obligations and
cancellation or expiration of all Letters of Credit,  such  Credit  Party shall
perform, and shall cause each of its Subsidiaries to perform, all covenants  in
this Section 6.

       6.1.  INDEBTEDNESS

             .   No  Credit  Party  shall,  nor  shall  it  permit  any  of its
Subsidiaries to, directly or indirectly, create, incur, assume or guaranty,  or
otherwise  become  or  remain directly or indirectly liable with respect to any
Indebtedness, except:

             (a)    the Obligations;

             (b)    (i) Indebtedness  of any Guarantor Subsidiary to Company or
to any other Guarantor Subsidiary, or of  Company  to any Guarantor Subsidiary;
provided, (A) all such Indebtedness shall be evidenced  by promissory notes and
all such notes shall be subject to a First Priority Lien pursuant to the Pledge
and  Security  Agreement,  (B) all  such  Indebtedness shall be  unsecured  and
subordinated in right of payment to the payment  in  full  of  the  Obligations
pursuant to the terms and conditions of the applicable promissory notes  or the
Intercompany  Subordination  Agreement,  and  (C) any  payment by any Guarantor
                                        -108-
<PAGE>

Subsidiary under any guaranty of the Obligations shall result  in  a  pro tanto
reduction  of  the  amount  of  any  such  Indebtedness  owed by such Guarantor
Subsidiary to Company or to any of its Guarantor Subsidiaries for whose benefit
such payment is made; (ii) Indebtedness of any Foreign Subsidiary to Company or
any  Guarantor  Subsidiary,  provided,  (A)  all  such  Indebtedness  shall  be
evidenced by promissory notes and all such notes shall be  subject  to  a First
Priority  Lien  pursuant  to the Pledge and Security Agreement and (B) all such
Indebtedness shall be unsecured  and  subordinated  in  right of payment to the
payment in full of the Obligations pursuant to the terms  and conditions of the
applicable  promissory  notes  or  an  Intercompany  Subordination   Agreement;
(iii) Indebtedness  of  any  Foreign Subsidiary to any other Foreign Subsidiary
and (iv) Indebtedness between  Company  and  Holdings  arising  as  a result of
Restricted Junior Payments permitted under Section 6.5(d);

             (c)    Company  and  its  Guarantor  Subsidiaries  may become  and
remain  liable  with  respect  to   Senior  Subordinated  Notes in an aggregate
principal amount not to exceed $440,000,000 at any time outstanding  under  the
Senior  Subordinated  Note Indenture;  additional Subordinated Indebtedness the
proceeds of which (net  of  reasonable costs and expenses associated therewith)
are used to repay the Loans pursuant  to  Section  2.16(d)  or  so  long  as no
Default  or  Event  of  Default  has occurred and is continuing or would result
therefrom, and Company is in Pro Forma compliance with the covenants in Section
6.8  (disregarding  any  increase in  Consolidated  Adjusted  EBITDA  that  was
attributable to the application of the proceeds of the exercise of a Cure Right
with respect to any Fiscal Quarter during a four Fiscal Quarter period ended on
the last day of such Fiscal  Quarter),  are  used  for  Permitted Acquisitions,
provided, the terms and conditions of such Subordinated Indebtedness (including
the terms and conditions of any guarantees of or other credit  support for such
Indebtedness) are not less favorable in any material respect to Company and its
Subsidiaries,  the Agents or the Lenders than the terms and conditions  of  the
Senior  Subordinated   Notes;   and    extensions,  renewals,  refinancings  or
replacements of the Subordinated Indebtedness  permitted  under clauses (i) and
(ii), provided, such extensions, renewals, refinancings or replacements  are on
terms and conditions (including the terms and conditions of  any  guarantees of
or  other  credit  support  for  such  Indebtedness) not less favorable in  any
material respect to Company and its Subsidiaries,  the  Agents  or  the Lenders
than  the  terms  and  conditions  of the Indebtedness being extended, renewed,
refinanced or replaced,  do not add  as  an  obligor  any Person that would not
have been an obligor under the Indebtedness being extended,  renewed,  replaced
or  refinanced,   do  not  result  in  a  greater  principal  amount or shorter
remaining  average  life  to  maturity  than  the Indebtedness being  extended,
renewed,  replaced  or refinanced and  are not effected  at  any  time  when  a
Default or Event of Default  has  occurred  and  is  continuing or would result
therefrom;

             (d)    Indebtedness in respect of (i) netting  services, overdraft
protections and otherwise in connection with endorsements of  checks  and other
negotiable instruments and deposit accounts incurred in the ordinary course  of
business;   (ii)  workers'  compensation  claims,  self-insurance  obligations,
                                        -109-
<PAGE>

performance,   surety,   release,  appeal  and  similar  bonds  and  completion
guarantees incurred in the  ordinary  course  of  business  of  Company and its
Subsidiaries and any reimbursement obligations in respect of the foregoing; and
(iii)  indemnification obligations or obligations in respect of purchase  price
adjustments  or  similar  obligations  incurred  or  assumed by Company and its
Subsidiaries  in  connection with an Asset Sale or sale  of  Capital  Stock  of
Holdings otherwise permitted under this Agreement;

             (e)    guaranties  in  the  ordinary course of business of Company
and its Subsidiaries of the obligations of  suppliers,  customers,  franchisees
and licensees of Holdings and its Subsidiaries;

             (f)    guaranties  by  Holdings  or Company of Indebtedness  of  a
Guarantor Subsidiary or guaranties by a Subsidiary  of  Company of Indebtedness
of  Company  or  a  Guarantor  Subsidiary  with  respect,  in  each   case,  to
Indebtedness otherwise permitted to be incurred pursuant to this Section 6.1;

             (g)    Indebtedness   described   in   Schedule 6.1(g),   and  not
exceeding  the  aggregate  principal  amount  indicated therein (the "SURVIVING
INDEBTEDNESS")  and,  solely in the case of the Surviving  Capital  Leases  and
Surviving IRBs, any extensions, renewals, refinancings or replacements thereof,
provided, such extensions,  renewals,  refinancings  or replacements (i) are on
terms and conditions (including the terms and conditions  of  any  guarantee or
other credit support for such Indebtedness) not less favorable in any  material
respect  to  Company  and its Subsidiaries, the Agents or the Lenders than  the
terms and conditions of the Indebtedness being extended, renewed, refinanced or
replaced, (ii) do not add  as  obligor  any  Person that would not have been an
obligor under the Indebtedness being extended, renewed, replaced or refinanced,
(iii) do not result in a greater principal amount  or shorter remaining average
life  to maturity than the Indebtedness being extended,  renewed,  replaced  or
refinanced  and  (iv)  are  not effected at any time when a Default or Event of
Default has occurred and is continuing or would result therefrom;

             (h)    Indebtedness with respect to Capital Leases (in addition to
any Surviving Capital Leases),  including Capital Leases acquired in connection
with Permitted Acquisitions, in an  aggregate  amount  at  any time outstanding
after the Second Amendment Effective Date not to exceed the sum of $75,000,000;

             (i)    Indebtedness of Foreign Subsidiaries (to Persons other than
Company  or its Subsidiaries) in an aggregate amount not to exceed  $60,000,000
at any time outstanding;

             (j)    purchase  money  Indebtedness in an aggregate amount not to
exceed $20,000,000 at any time outstanding  (excluding any such Indebtedness of
a Person acquired in connection with a Permitted  Acquisition);  provided,  any
such  Indebtedness  (i) shall  be secured only by assets acquired in connection
with the incurrence of such Indebtedness,  and  (ii) shall  constitute not less
than 90% of the aggregate consideration paid with respect to such asset;
                                        -110-
<PAGE>

             (k)    (i) Indebtedness (other than Capital Leases)  of any Person
(other  than  Landis  or  any  Subsidiary  of  Landis) that becomes a Guarantor
Subsidiary  on or after the date hereof pursuant  to  a  Permitted  Acquisition
(including purchase  money  Indebtedness  of  such  Person), which Indebtedness
exists  at  the time such Person becomes a Subsidiary and  is  not  created  in
contemplation of, or in connection with, such Person becoming a Subsidiary; and
(ii)  any  extensions,   renewals,   refinancings   or   replacements  of  such
Indebtedness which extensions, renewals, refinancings or replacements  (A)  are
on terms and conditions (including the terms and conditions of any guarantee or
other  credit support for such Indebtedness) not less favorable in any material
respect  to  Company  and  its  Subsidiaries  or the Lenders than the terms and
conditions of the Indebtedness being extended,  renewed, refinanced or replaced
and, (B) do not add as obligor any Person that would  not  have been an obligor
under the Indebtedness being extended, renewed, replaced or  refinanced, (C) do
not result in a greater principal amount or shorter remaining  average  life to
maturity  than the Indebtedness being extended, renewed, replaced or refinanced
and (D) are  not  effected  at  any time when a Default or Event of Default has
occurred and is continuing or would  result  therefrom; provided, the aggregate
amount  of  Indebtedness described in clauses (i)  and  (ii)  does  not  exceed
$30,000,000 at any time outstanding;

             (l)    Indebtedness with respect to Financial Hedge Agreements;

             (m)    senior  unsecured  Indebtedness  of  Holdings  to rank pari
passu with Holdings' Obligations under its Guaranty, in an aggregate  principal
amount  not  to  exceed  $50,000,000  at  any  time  outstanding; provided, the
Administrative  Agent  is  satisfied  that  the  terms and conditions  of  such
Indebtedness (A) provide that there shall be no payment  (whether  in  Cash  or
other  assets or property, other than payments-in-kind) of principal, interest,
fees, expenses  or  other  amounts  by  Holdings out of the assets or estate of
Holdings  or  any of its Subsidiaries (other  than  as  a  consequence  of  any
acceleration or  event  of default) at any time prior to the payment in full of
the Obligations, (B) do not  create  rights  or  remedies  enforceable  against
Company  or  any  of  its  Subsidiaries,  (C)  do  not  provide  for covenants,
restrictions  or  limitations  on  Holdings  in  respect  of  Company  and  its
Subsidiaries, or Events of Default relating to Company and its Subsidiaries, in
each case, that are more restrictive in any material respect than the analogous
provisions  of  the  Senior  Subordinated  Notes  and  (D) provide  for a final
maturity after the final maturity of any Loan then outstanding or committed  to
be lent hereunder; provided, further, 100% of the proceeds of such Indebtedness
(net   of   reasonable  costs  and  expenses  associated  therewith,  including
reasonable fees  and  expenses  of  professional  advisors)  are contributed as
equity capital to Company; and

             (n)    other   Indebtedness   of   Holdings   and   its  Guarantor
Subsidiaries,  which  is  unsecured  and subordinated to the Obligations  in  a
manner satisfactory to Administrative  Agent  in  an  aggregate  amount  not to
exceed $20,000,000 at any time outstanding.
                                        -111-
<PAGE>

       6.2.  LIENS

             .   No  Credit  Party  shall,  nor  shall  it  permit  any  of its
Subsidiaries  to,  directly  or  indirectly, create, incur, assume or permit to
exist any Lien on or with respect  to  any  property  or  asset  (including any
document or instrument in respect of goods or accounts receivable)  of Holdings
or  any  of its Subsidiaries, whether now owned or hereafter acquired,  or  any
income or  profits  therefrom,  or  file  or permit the filing of, or permit to
remain in effect, any financing statement or  other  similar notice of any Lien
with respect to any such property, asset, income or profits  under  the  UCC of
any State or under any similar recording or notice statute, except:

             (a)    Liens  in  favor  of  Collateral  Agent  for the benefit of
Secured Parties granted pursuant to any Credit Document;

             (b)    Liens  for  Taxes  or  Liens  imposed pursuant  to  Section
401(a)(29)  or  412(n)  of the Internal Revenue Code,  in  each  case,  if  the
underlying  obligations are  being  contested  in  good  faith  by  appropriate
proceedings promptly instituted and diligently conducted;

             (c)    statutory  Liens  of  landlords, banks (including rights of
set-off),   carriers,   warehousemen,   mechanics,   repairmen,   workmen   and
materialmen, and other Liens imposed by law  (other  than any such Lien imposed
pursuant to Section 401 (a)(29) or 412(n) of the Internal  Revenue  Code  or by
ERISA), in each case incurred in the ordinary course of business of Company and
its  Subsidiaries  (i) for amounts not yet overdue or (ii) for amounts that are
overdue and that (in  the  case  of  any  such  amounts overdue for a period in
excess  of  five  days)  are  being  contested  in good  faith  by  appropriate
proceedings, so long as such reserves or other appropriate  provisions, if any,
as  shall  be  required  by  GAAP  shall have been made for any such  contested
amounts;

             (d)    Liens  incurred in  the  ordinary  course  of  business  of
Company  and  its  Subsidiaries   in  connection  with  workers'  compensation,
unemployment insurance and other types  of  social  security,  or to secure the
performance of tenders, statutory obligations, surety and appeal  bonds,  bids,
leases,  government contracts, trade contracts, performance and return-of-money
bonds and  other  similar obligations (exclusive of obligations for the payment
of borrowed money or  other  Indebtedness),  so long as no foreclosure, sale or
similar proceedings have been commenced with respect  to  any  portion  of  the
Collateral on account thereof;

             (e)    easements,  rights-of-way, restrictions, encroachments, and
other minor defects or irregularities affecting any Real Estate Asset in title,
in  each  case  which  do not and will  not  materially  and  adversely  affect
marketability of title or  the  value of such Real Estate Asset or interfere in
any material respect with the ordinary  conduct  of the business of Holdings or
any of its Subsidiaries;

             (f)    any interest or title in real  estate  or improvements of a
lessor  or  sublessor,  but  only as a lessor, under any lease of  real  estate
permitted hereunder;
                                        -112-
<PAGE>

             (g)    Liens solely  on  any  cash  earnest money deposits made by
Holdings or any of its Subsidiaries in connection  with any letter of intent or
purchase agreement permitted hereunder;

             (h)    purported Liens evidenced by the  filing  of  precautionary
UCC  financing statements relating solely to personal property leased  pursuant
to operating  leases entered into in the ordinary course of business of Company
and its Subsidiaries;

             (i)    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;

             (j)    any zoning or similar law or right reserved to or vested in
any governmental office or agency to control  or  regulate  the use of any real
property;

             (k)    licenses  of  patents,  trademarks  and other  intellectual
property rights granted by Holdings or any of its Subsidiaries  in the ordinary
course of business and not interfering in any respect with the ordinary conduct
of the business of Company or such Subsidiary;

             (l)    Liens  described  in  Schedule 6.2(l) or on a title  report
delivered pursuant to Section 3.1(l)(iv)(A);

             (m)    Liens securing Indebtedness  permitted pursuant to Sections
6.1(j) and 6.1(k), provided,  any  such  Lien  (i) exists on the date  of  the
applicable  acquisition or, solely in the case of  Indebtedness  permitted  in
Section 6.1(j), is created  in  connection with the financing of the
acquisition  within  180  days thereafter, (ii) solely  in  the case of
Indebtedness permitted by Section 6.1(k) , is not created in contemplation of,
or  in connection  with, such acquisition, and (iii) applies only to the
property or assets  acquired;

             (n)    Liens in respect of  Surviving Capital Leases and Surviving
IRBs and existing as of the Second Amendment Effective Date and any replacement
Liens, provided any such replacement Lien  applies  only to assets and property
subject to the Lien so replaced; and

             (o)    other Liens on assets other than  the  Collateral  securing
Indebtedness  in  an  aggregate  amount  not  to exceed $20,000,000 at any time
outstanding.

       6.3.  EQUITABLE LIEN

             .  If any Credit Party or any of its  Subsidiaries shall create or
assume  any Lien upon any of its properties or assets,  whether  now  owned  or
hereafter  acquired,  other  than Permitted Liens, it shall make or cause to be
made effective provisions whereby  the Obligations will be secured by such Lien
equally and ratably with any and all other Indebtedness secured thereby as long
as any such Indebtedness shall be so  secured;  provided,  notwithstanding  the
foregoing,  this  covenant  shall  not  be  construed as a consent by Requisite
Lenders to the creation or assumption of any  such Lien not otherwise permitted
by Section 6.2.
                                        -113-
<PAGE>

       6.4.  NO FURTHER NEGATIVE PLEDGES

             .  No Credit Party nor any of its  Subsidiaries  shall  enter into
any  agreement prohibiting the creation or assumption of any Lien upon  any  of
its properties  or  assets, whether now owned or hereafter acquired, except (a)
restrictions pursuant  to  the  Credit Documents, any Subordinated Indebtedness
permitted under Section 6.1(c) and  any  Surviving Indebtedness permitted under
Section  6.1(g),  provided,  in  the  case  of  Subordinated  Indebtedness  and
Surviving Indebtedness, that such restrictions are  no  more restrictive in any
material  respect than the applicable restrictions in the  Senior  Subordinated
Note Documents; (b) customary restrictions pending a sale of property or assets
permitted hereunder  arising  under  an  executed  agreement in respect of such
sale, provided, such restrictions relate only to the  property  or assets being
sold;  (c) customary restrictions on assignment, subletting or other  transfers
contained  in  leases,  licenses  and  similar  agreements  entered into in the
ordinary course of business of Company and its Subsidiaries,  provided, in each
case,  such  restrictions relate only to the property subject to  such  leases,
licenses or similar  agreements;  and  (d)  restrictions  on property or assets
subject to a Lien permitted under Section 6.2(m), provided,  such  restrictions
relate only to the property or assets subject to such Lien.

       6.5.  RESTRICTED JUNIOR PAYMENTS

             .   No  Credit  Party  shall,  nor  shall  it  permit  any  of its
Subsidiaries  through  any  manner  or  means  or  through any other Person to,
directly or indirectly, declare, order, pay, make or  set  apart,  or  agree to
declare,  order,  pay,  make  or  set  apart, any sum for any Restricted Junior
Payment in respect of such Credit Party  or  Subsidiary,  as applicable, except
that (a) Company may make regularly scheduled payments of interest  in  respect
of  the Senior Subordinated Notes in accordance with the terms of, and only  to
the extent  required  by, and subject to the subordination provisions contained
in, the Senior Subordinated  Note  Indenture;  (b) Company  may  extend, renew,
refinance  or  replace Subordinated Indebtedness to the extent permitted  under
Section 6.1(c); (c) any Subsidiary may pay dividends or make other
distributions with respect  to  any  class   of  its  issued  and  outstanding
Capital  Stock  or intercompany Indebtedness permitted  by  clauses  (i)
through (iii) of Section 6.1(b); provided, any dividends and other
distributions by a Subsidiary that is not Wholly-Owned (i) are paid in Cash on
a pro rata basis  among the holders of each  applicable  class of Capital Stock
and (ii) are not made  to  any  Person other than Company  or  its Subsidiaries
at any time when a Default or Event of Default shall have occurred  and  be
continuing  or  shall  be caused thereby; (d) so  long  as  no  Default  or
Event of Default shall have occurred  and  be continuing  or shall be caused
thereby,  Company  may  make  Restricted  Junior Payments to Holdings (i) in an
aggregate amount not to exceed $1,000,000 in any Fiscal Year,  to  the  extent
necessary  to  permit  Holdings  to  pay general administrative costs and
expenses and to pay franchise taxes and other  fees to maintain  its  corporate
existence,  (ii) to  the  extent  necessary to permit Holdings  to  discharge
the consolidated tax liabilities of Holdings  and  its Subsidiaries and (iii)
to  the  extent  necessary  to  fund  Restricted  Junior Payments by Holdings
in accordance with clause (e) below, provided, in each  of cases  (i),  (ii)
and  (iii)  Holdings promptly applies the amount of any such Restricted Junior
Payment for such  purpose; (e) so long as no Default or Event of Default shall
have occurred and be  continuing  or  shall be caused thereby, the  following
additional  payments may be made to holders  or  purchasers  of
                                        -114-
<PAGE>

Capital Stock of Holdings and its Subsidiaries (and Company may make Restricted
Junior Payments to Holdings in  respect  of  such  payments):  (i) Holdings may
purchase  its  Capital  Stock  for  Cash  from  present or former officers  and
employees of Holdings or any of its Subsidiaries  in  accordance with the terms
of the Employee Leverage Program, Stockholder Agreements and stock option plans
upon  the death, disability or termination of employment  of  such  officer  or
employee, provided, the aggregate amount of such Restricted Junior Payment does
not exceed  $10,000,000  per  Fiscal  Year;  (ii) any  Subsidiary acquired in a
Permitted Acquisition may make Cash payments to redeem,  retire  or  repurchase
Capital  Stock  in such Subsidiary held by a minority investor permitted  under
clause (iii) of the  definition  of  "Permitted  Acquisition," provided, in the
case of this clause (ii), the aggregate amount of all such payments by Holdings
and its Subsidiaries (exclusive of amounts permitted  by  Section  6.5(d)) does
not exceed $4,000,000 during any Fiscal Year and $12,000,000 from the  Original
Closing Date; and (iii) Holdings may make Restricted Junior Payments to holders
of  its  Capital  Stock  or  otherwise  with 50% of the portion of Consolidated
Excess Cash Flow not required to be used  to  prepay  Loans  in accordance with
Section 2.16(e) so long as the Leverage Ratio, recomputed as of the last day of
the  most  recently  ended  fiscal  quarter  of  Company  for  which  financial
statements have been delivered pursuant to Section 5.1(a), on a pro forma basis
after  giving  effect  to  such  Restricted  Junior  Payments (disregarding any
increase  in  Consolidated  Adjusted  EBITDA  as  of  such last  day  that  was
attributable to the application of the proceeds of the exercise of a Cure Right
with respect to any fiscal quarter during the four fiscal  quarter period ended
on such last day), shall not exceed 4.25:1.0, and Company shall  have delivered
to  Administrative Agent an officer's certificate to such effect; (f)  payments
of Landis  Acquisition  Financing  Requirements  as  contemplated by the Landis
Merger Agreement; and (g) payments of Kerr Acquisition  Financing  Requirements
as contemplated by the Kerr Merger Agreement.

       6.6.  RESTRICTIONS ON SUBSIDIARY DISTRIBUTIONS

             .  Except as provided herein, no Credit Party shall, nor  shall it
permit any of its Subsidiaries to, create or otherwise cause or suffer to exist
or  become  effective any consensual encumbrance or restriction of any kind  on
the ability of any Subsidiary of Company to (a) pay dividends or make any other
distributions on any of such Subsidiary's Capital Stock owned by Company or any
other Subsidiary  of Company, (b) repay or prepay any Indebtedness owed by such
Subsidiary to Company  or any other Subsidiary of Company, or (c) make loans or
advances to Company or any  other  Subsidiary  of  Company,  provided,  none of
clauses  (a)  through  (c) shall apply to (i) customary restrictions pending  a
sale  of a Subsidiary (or  any  of  its  property,  assets  or  Capital  Stock)
permitted  hereunder  which  restrictions  arise under an executed agreement in
respect  of  such  sale  and relate only to the  Subsidiary  being  sold,  (ii)
restrictions imposed by applicable  law,  (iii)  restrictions  pursuant  to the
Credit Documents, any Subordinated Indebtedness permitted under Section 6.1(c),
any  Surviving Indebtedness permitted under Section 6.1(g) and Indebtedness  of
Foreign Subsidiaries under Section 6.1(i) and (iv) any restrictions existing on
cash or  other  deposits  or  net  worth  imposed  by customers under contracts
entered  into  in  the  ordinary  course  of  business  of  Company   and   its
Subsidiaries.
                                        -115-
<PAGE>

       6.7.  INVESTMENTS

             .   No  Credit  Party  shall,  nor  shall  it  permit  any  of its
Subsidiaries  to,  directly  or  indirectly,  make or own any Investment in any
Person, including without limitation any Joint Venture, except:

             (a)    Cash and Cash Equivalents;

             (b)    Investments owned as of the Second Amendment Effective Date
in the Capital Stock of any Subsidiary;

             (c)    Investments made after the  Second Amendment Effective Date
in Capital Stock or, to the extent incurred in accordance  with Section 6.1(b),
Indebtedness of Company or any Subsidiary, provided, no Credit Party shall, nor
shall  it permit any of its Subsidiaries to, directly or indirectly,  make  any
Investment  in  any Foreign Subsidiary unless on a pro forma basis after giving
effect to such Investment  as  of  the  last day of the Fiscal Quarter recently
ended, Domestic Subsidiaries account for  (A)  at least 80% of the consolidated
assets  of  Holdings and its Subsidiaries as of the  last  day  of  the  Fiscal
Quarter recently  ended  and  (B)  at least 80% of the consolidated revenues of
Holdings and its Subsidiaries for the  last  four full Fiscal Quarters recently
ended;

             (d)    Investments made after the  Second Amendment Effective Date
in Joint Ventures in a business or line of business permitted for Company under
Section 6.12, provided, (A) immediately prior to  the making of any Investment,
and  after giving effect thereto, no Default or Event  of  Default  shall  have
occurred  and be continuing, (B) all transactions in connection therewith shall
be consummated,  in  all  material  respects, in accordance with all applicable
laws and in conformity with all applicable  Governmental  Authorizations,  (C)
such  Investment  can  be  legally maintained, and is maintained, as Collateral
(but only to the extent of Company's interest in such Joint Venture) subject to
First  Priority  security  interests  on  such  terms  and  conditions  as  are
reasonably satisfactory to Administrative  Agent,  and (D) the aggregate amount
of  all  Investments in Joint Ventures pursuant to this  clause  (d)  does  not
exceed $25,000,000 at any time outstanding;

             (e)    Investments (i) in any Securities received from financially
troubled account  debtors  in  satisfaction or partial satisfaction of accounts
receivable incurred in the ordinary  course  of  business  of  Company  and its
Subsidiaries, (ii) deposits, prepayments and other credits to suppliers made in
the   ordinary   course  of  business  of  Company  and  its  Subsidiaries  and
(iii) prepaid expenses,  negotiable  instruments held for collection and lease,
utility, worker's compensation, performance  and other similar deposits made in
the ordinary course of business of Company and its Subsidiaries;

             (f)    Investments  that  constitute  Restricted  Junior  Payments
permitted  under Section 6.5(e), Consolidated  Capital  Expenditures  permitted
under Section 6.8(c) and Permitted Acquisition Expenses;

             (g)    Investments existing on the Second Amendment Effective Date
and described in Schedule 6.7;
                                        -116-
<PAGE>

             (h)    Investments  that  constitute Financial Hedge Agreements or
agreements permitted under Section 6.17(b); and

             (i)    other Investments (including loans and advances to officers
and employees for relocation and other expenses)  in an aggregate amount not to
exceed $25,000,000 at any time outstanding.

       6.8.  FINANCIAL COVENANTS

             .

             (a)    Interest Coverage Ratio.  Holdings  shall  not  permit  the
Interest  Coverage  Ratio  as  of the last day of any Fiscal Quarter, beginning
with the Fiscal Quarter ending on  or  near  June  30, 2005 to be less than the
correlative ratio indicated:

<TABLE>
<CAPTION>
 FISCAL QUARTER ENDING  INTEREST COVERAGE RATIO
<S>                      <C>
June 2005                      2.10:1.00
September 2005                 2.10:1.00
December 2005                  2.10:1.00
March 2006                     2.10:1.00
June  2006                     2.15:1.00
September 2006                 2.15:1.00
December 2006                  2.20:1.00
March 2007                     2.20:1.00
June 2007                      2.20:1.00
September 2007                 2.20:1.00
December 2007                  2.35:1.00
March 2008                     2.35:1.00
June 2008                      2.35:1.00
September 2008                 2.35:1.00
December 2008                  2.45:1.00
March 2009                     2.45:1.00
June 2009                      2.45:1.00
September 2009                 2.45:1.00
December 2009                  2.50:1.00
March 2010                     2.50:1.00
June 2010 and thereafter       2.50:1.00
</TABLE>
                                        -117-
<PAGE>

             (b)    Leverage Ratio.  Holdings shall  not  permit  the  Leverage
Ratio  as  of  the  last  day  of any Fiscal Quarter, beginning with the Fiscal
Quarter  ending on or near June 30,  2005,  to  exceed  the  correlative  ratio
indicated:

<TABLE>
<CAPTION>
FISCAL QUARTER ENDING   LEVERAGE RATIO
<S>                      <C>
June 2005                 6.40:1.00
September 2005            6.40:1.00
December 2005             6.40:1.00
March 2006                6.40:1.00
June 2006                 6.40:1.00
September 2006            6.00:1.00
December 2006             5.90:1.00
March 2007                5.90:1.00
June 2007                 5.90:1.00
September 2007            5.90:1.00
December 2007             5.50:1.00
March 2008                5.50:1.00
June 2008                 5.50:1.00
September 2008            5.50:1.00
December 2008             5.10:1.00
March 2009                5.10:1.00
June 2009                 5.10:1.00
September 2009            5.10:1.00
December 2009             4.80:1.00
March 2010                4.80:1.00
June 2010 and thereafter  4.80:1.00
</TABLE>
                                        -118-
<PAGE>

             (c)    Maximum  Consolidated  Capital Expenditures.  Except to the
extent  funded from the Cash proceeds of Additional  Sponsor  Equity,  Holdings
shall not, and shall not permit its Subsidiaries to, make or incur Consolidated
Capital Expenditures  in any Fiscal Year indicated below in an aggregate amount
in excess of (i) the corresponding  amount  set forth opposite such Fiscal Year
plus (ii) an amount equal to the Additional Net Sales for such Fiscal Year (the
sum of (i) and (ii), together, the "BUDGETED AMOUNT" for such Fiscal Year) plus
(iii)  if the Budgeted Amount for the immediately  preceding  Fiscal  Year  was
greater  than  the  actual  amount of Consolidated Capital Expenditures made or
incurred by Holdings or its Subsidiaries  for  such  preceding  Fiscal Year, an
amount  equal  to the lesser of (A) the difference between the Budgeted  Amount
for such preceding  Fiscal  Year  and the actual amount of Consolidated Capital
Expenditures for such preceding Fiscal  Year and (B) 50% of the Budgeted Amount
for such preceding Fiscal Year:

<TABLE>
<CAPTION>
FISCAL YEAR ENDINGCONSOLIDATED CAPITAL EXPENDITURES
<S>                <C>
2005                         $85,000,000
2006                        $110,000,000
2007                        $115,000,000
2008                        $120,000,000
2009                        $120,000,000
2010                        $120,000,000
</TABLE>

             (d)    Certain  Calculations.    For   purposes   of   determining
compliance with the financial covenants set forth in this Section 6.8  and,  in
the  case  of  Section  6.8(d)(ii)  only,  calculating the Applicable Margin in
respect of Term Loans and the Leverage Ratio  for  purposes  of compliance with
Section  2.3  (but  not  for purposes of determining the Applicable  Margin  in
respect  of  any  other  Loans  or  the  Applicable  Revolving  Commitment  Fee
Percentage),

                    (i)   with  respect  to any period during which a Permitted
       Acquisition   or  an  Asset  Sale  has  occurred   (each,   a   "SUBJECT
       TRANSACTION"),   each of Consolidated Adjusted EBITDA, the components of
                                        -119-
<PAGE>

       Consolidated Cash  Interest  Expense  and  Additional Net Sales shall be
       calculated with respect to such period on a  pro  forma basis (including
       only  Permitted  Adjustments)  using  the  historical audited  financial
       statements of any business so acquired or to  be  acquired or sold or to
       be sold and the consolidated financial statements of  Holdings  and  its
       Subsidiaries which shall be reformulated as if such Subject Transaction,
       and  any  Indebtedness  incurred  or repaid in connection therewith, had
       been consummated or incurred or repaid  at  the beginning of such period
       (and assuming that such Indebtedness bears interest  during  any portion
       of  the  applicable measurement period prior to the relevant acquisition
       at the weighted  average of the interest rates applicable to outstanding
       Loans incurred during such period);

                    (ii)  with  respect  to any period during which Company has
       incurred   Refinancing   Costs,   plant  shutdown   costs,   acquisition
       integration  costs  or  Uncompleted  Acquisition   Costs,   Consolidated
       Adjusted EBITDA for such period shall be increased by an amount, without
       duplication,  equal  to  any such costs payable in Cash and incurred  by
       Company during such period  to  the  extent that such costs have reduced
       Consolidated Net Income for such period,  provided  that  the  aggregate
       amount  of adjustments to Consolidated Adjusted EBITDA made pursuant  to
       this Section  6.8(d)(ii)  for  any  period,  together with any Permitted
       Adjustments  in  respect of any Subject Transactions  made  pursuant  to
       clause (ii) of the  definition  of  Permitted  Adjustments  for the same
       period, shall not exceed 7.5% of pro forma Consolidated Adjusted  EBITDA
       (as reformulated) for such period;

                    (iii) with  respect to any period during which the proceeds
       of  any capital contribution  to,  or  issuance  of  Capital  Stock  of,
       Holdings  ("EQUITY  PROCEEDS")  have  been  applied to make mandatory or
       voluntary prepayments of Loans, the components  of Consolidated Adjusted
       EBITDA and Consolidated Cash Interest Expense shall  be  calculated with
       respect  to such period on a pro forma basis (including only  pro  forma
       adjustments  which  are factually supportable and are expected to have a
       continuing impact, in  each  case  determined on a basis consistent with
       Article 11 of Regulation S-X promulgated under the Securities Act and as
       interpreted  by  the staff of the Securities  and  Exchange  Commission,
       which pro forma adjustments  shall  be  certified by the Chief Financial
       Officer of Holdings) using historical financial  statements  which shall
       be reformulated (after giving effect to any reformulation required under
       clause  (i)  above)  as  if such Equity Proceeds had been received,  and
       applicable portion of the  Loans  prepaid,  at  the  beginning  of  such
       period;

                    (iv)  with  respect  to  any  period  including  the Fiscal
       Quarter  ended  September 30, 2002 or any prior Fiscal Quarter (each  an
       "HISTORICAL QUARTER"),  Consolidated  Adjusted  EBITDA  and Consolidated
       Cash   Interest   Expense   shall   be  calculated  in  accordance  with
       Schedule 6.8(d);
                                        -120-
<PAGE>

                    (v)   proceeds   of   the   Landis    Acquisition    Senior
       Subordinated  Notes  shall  not  be  included  in  the  determination of
       Consolidated Total Debt for purposes of determining compliance with this
       Section  6.8  for  periods  up  to  and including the Landis Acquisition
       Closing Date if all such proceeds (A) are deposited in an escrow account
       on the terms and conditions described  in the offering circular relating
       to the Landis Acquisition Senior Subordinated  Notes and (B)(1) are used
       to  pay  Landis  Acquisition  Financing  Requirements   on   the  Landis
       Acquisition  Closing  Date  or (2) used to prepay the Landis Acquisition
       Senior Subordinated Notes if  the  Landis  Acquisition Closing Date does
       not occur on or prior to May 22, 2004; and

                    (vi)  notwithstanding   the  foregoing   provisions,   this
       Section 6.8(d) shall not apply to the  financial  covenant  set forth in
       Section 6.8(c) above with respect to the Kerr Acquisition.

       6.9.  FUNDAMENTAL CHANGES; DISPOSITION OF ASSETS; ACQUISITIONS

             .   No  Credit  Party  shall,  nor  shall  it  permit  any  of its
Subsidiaries  to,  enter  into  any  transaction of merger or consolidation, or
liquidate,  wind-up  or  dissolve  itself   (or   suffer   any  liquidation  or
dissolution),  or  convey, sell, lease or sub-lease (as lessor  or  sublessor),
transfer  or  otherwise   dispose  of,  in  one  transaction  or  a  series  of
transactions, all or any part  of  its business, assets or property of any kind
whatsoever, whether real, personal or mixed and whether tangible or intangible,
whether now owned or hereafter acquired,  or  acquire  by purchase or otherwise
(other  than  purchases  or  other  acquisitions  of inventory,  materials  and
equipment in the ordinary course of business of Company  and  its Subsidiaries)
the business, property or fixed assets of, or Capital Stock or  other  evidence
of beneficial ownership of, any Person or any business line or unit or division
of any Person, except:

             (a)    any  Subsidiary  of  Holdings  may  be  merged with or into
Company or any Guarantor Subsidiary, or be liquidated, wound  up  or dissolved,
or  all or any part of its business, property or assets may be conveyed,  sold,
leased, transferred or otherwise disposed of, in one transaction or a series of
transactions,  to Company or any Guarantor Subsidiary; provided, in the case of
such a merger, Company  or  such  Guarantor Subsidiary, as applicable, shall be
the continuing or surviving Person;

             (b)    sales  or  other   dispositions   of  assets  that  do  not
constitute Asset Sales;

             (c)    Asset Sales in respect of (i) obsolete, worn out or surplus
property  (including  obsolete,  worn  out or surplus property  acquired  in  a
Permitted Acquisition), (ii) property acquired in a Permitted Acquisition which
the Company or any of its Subsidiaries is  legally required to divest or (iii)
other property (other than current assets) the proceeds of which (valued at the
principal amount thereof in the case of notes  or  other  debt  Securities  and
valued  at  fair  market value in the case of other non-Cash proceeds) are less
than $15,000,000 with  respect  to  any  single Asset Sale or series of related
Asset Sales pursuant to this clause (iii) and when aggregated with the proceeds
                                        -121-
<PAGE>

of all such other Asset Sales made by Credit  Parties  pursuant  to this clause
(iii) within the same Fiscal Year, are less than $25,000,000; provided, in each
of cases (i), (ii) and (iii) the consideration received for such property shall
be in an amount at least equal to the fair market value thereof (determined  in
good  faith  by  the  board of directors of Holdings), no less than 75% of such
consideration shall be  paid  in  Cash  and all related Net Asset Sale Proceeds
shall be applied in accordance with Section 2.17(b);

             (d)    any Permitted Acquisition  (including the Kerr Acquisition)
by Company or any Guarantor Subsidiary;

             (e)    any Foreign Subsidiary may be merged with or into any other
Foreign Subsidiary, or be liquidated, wound up or dissolved, or all or any part
of  the  its  business,  property  or  assets  may be conveyed,  sold,  leased,
transferred  or  otherwise  disposed  of, in one transaction  or  a  series  of
transactions, to any Foreign Subsidiary;

             (f)    Company may liquidate  any  of  its  Subsidiaries  that has
total  net assets (as shown on the most recent balance sheet of such Subsidiary
delivered  to  the  Agents and at the time of liquidation) of $100,000 or less,
provided, any Restricted  Junior  Payments  in connection with such liquidation
are made in accordance with Section 6.5;

             (g)    Sales  of  Capital  Stock  in  any  Subsidiary  to  qualify
directors or allow for investments by foreign nationals, in either case, to the
extent required by applicable law; and

             (h)    any Investment permitted under Section 6.7 and any grant of
a Permitted Lien.

       6.10. DISPOSAL OF SUBSIDIARY INTERESTS

             .  Except for (i) Liens created under  any of the Credit Documents
and (ii) any sale of all (but not less than all) of the  Company's  direct  and
indirect  interests  in  the Capital Stock of any Subsidiary in compliance with
the provisions of Section  6.9,  no Credit Party shall, nor shall it permit any
of its Subsidiaries to, (a) directly or  indirectly  sell,  assign,  pledge  or
otherwise  encumber or dispose of any Capital Stock of any of its Subsidiaries,
except to qualify  directors  or allow for investments by foreign nationals, in
either  case,  if  required  by  applicable  law;  or  (b) permit  any  of  its
Subsidiaries  directly or indirectly  to  sell,  assign,  pledge  or  otherwise
encumber or dispose  of any Capital Stock of any of its Subsidiaries, except to
another Credit Party (subject to the restrictions on such disposition otherwise
imposed hereunder), or to qualify directors if required by applicable law.

       6.11. TRANSACTIONS WITH SHAREHOLDERS AND AFFILIATES

             .   No Credit  Party  shall,  nor  shall  it  permit  any  of  its
Subsidiaries to, directly  or  indirectly,  enter  into  or permit to exist any
transaction (including the purchase, sale, lease or exchange of any property or
the rendering of any service) with any holder of 10% or more  of  any  class of
Capital  Stock of Holdings or any of its Subsidiaries or with any Affiliate  of
Holdings,  on  terms  that  are less favorable to it or such Subsidiary, as the
case may be, than those that might be obtained at the time from a Person who is
not such a holder or Affiliate;  provided,  the foregoing restriction shall not
                                        -122-
<PAGE>

apply to (a) any transaction between Company  and  any  Wholly-Owned  Guarantor
Subsidiary;  (b) reasonable and customary fees paid to members of the board  of
directors (or  similar  governing  body)  of  Holdings  and  its  Subsidiaries;
(c) compensation arrangements for officers and other employees of Holdings  and
its Subsidiaries entered into in the ordinary course of business of Company and
its  Subsidiaries;  (d) transactions  in connection with the 2002 Merger or the
Kerr  Acquisition;  (e) any Restricted Junior  Payment  permitted  to  be  paid
pursuant  to Section 6.5(c),  6.5(d),  or  6.5(e)(i)  or  6.5(e)(iii);  (f) any
issuance of Securities, or other payments, awards or grants in cash, Securities
or otherwise  pursuant  to,  or  the funding of, employment arrangements, stock
options and stock ownership plans  (including  the  Employee  Leverage Program)
approved  by  the  board  of  directors  of  Holdings,  in each case which  are
otherwise  consistent  with this Agreement; (g) sales or issuances  of  Capital
Stock of Holdings to Affiliates  of  Company approved by the board of directors
of Holdings; and (h) sales of inventory  or  other  product and arrangements in
respect of administrative, corporate overhead and insurance,  legal and similar
expenses among Company and its Subsidiaries in the ordinary course of business.

       6.12. CONDUCT OF BUSINESS

             .   From  and  after  the  Original Closing Date, no Credit  Party
shall, nor shall it permit any of its Subsidiaries  to,  engage in any business
other than (a) the businesses engaged in by such Credit Party  on  the Original
Closing  Date  and  similar  or related businesses and (b) such other lines  of
business as may be consented to by Requisite Lenders.

       6.13. PERMITTED ACTIVITIES OF HOLDINGS

             .  Holdings shall  not  (a) incur,  directly  or  indirectly,  any
Indebtedness   other  than  its  Obligations  under  the  Credit  Documents  or
guarantees in respect  of  Indebtedness  of  Company or any of its Subsidiaries
otherwise  permitted  under  this  Agreement and Indebtedness  permitted  under
Section 6.1(m); (b) create or suffer  to  exist  any  Lien upon any property or
assets now owned or hereafter acquired by it other than the Liens created under
the  Collateral  Documents  to  which  it is a party or permitted  pursuant  to
Section 6.2; (c) engage in any business  or  activity  or  own any assets other
than (i) holding 100% of the Capital Stock of Company and, through Company, not
less  than  80%  of the Capital Stock of each of the Subsidiaries  of  Company;
(ii) performing its  obligations  and  activities  incidental thereto under the
Credit  Documents, and to the extent not inconsistent  therewith,  the  Related
Agreements,  the  Landis  Merger  Agreement  and  the Kerr Merger Agreement, as
applicable; and (iii) making Restricted Junior Payments  and Investments to the
extent permitted by this Agreement; (d) consolidate with or merge with or into,
or  convey,  transfer  or  lease all or substantially all its  assets  to,  any
Person; (e) sell or otherwise  dispose  of  any  Capital  Stock of Company; (f)
create or acquire any Subsidiary or make or own any Investment  in  any  Person
other  than  Company  and, through Company, the Subsidiaries of Company; or (g)
fail to hold itself out  to  the public as a legal entity separate and distinct
from all other Persons.

       6.14. AMENDMENTS OR WAIVERS OF CERTAIN RELATED AGREEMENTS

             .  Except as set  forth in Section 6.15, no Credit Party shall nor
shall it permit any of its Subsidiaries  to,  agree  to any material amendment,
                                        -123-
<PAGE>

restatement,  supplement or other modification to, or waiver  of,  any  of  its
material rights  under  any  Related  Agreement  or the Landis Merger Agreement
after  the  2004 Effective Date or under the Kerr Merger  Agreement  after  the
Second Amendment  Effective  Date  without  in  each  case  obtaining the prior
written consent of Requisite Lenders to such amendment, restatement, supplement
or other modification or waiver.

       6.15. AMENDMENTS   OR   WAIVERS  OF  OR  WITH  RESPECT  TO  SUBORDINATED
INDEBTEDNESS

             .   No  Credit Party  shall,  nor  shall  it  permit  any  of  its
Subsidiaries to, amend  or  otherwise  change  the  terms  of  any Subordinated
Indebtedness,  or  make  any  payment  consistent with an amendment thereof  or
change thereto, (a) if the effect of such  amendment  or  change is to increase
the interest rate on such Subordinated Indebtedness, change  (to earlier dates)
any dates upon which payments of principal or interest are due  thereon, change
any  event of default or condition to an event of default with respect  thereto
(other than to eliminate any such event of default or increase any grace period
related  thereto),  change  the redemption, prepayment or defeasance provisions
thereof, change the subordination  provisions of such Senior Subordinated Notes
(or of any guaranty thereof), or (b) amend or otherwise change the covenants or
other provisions contained in any Subordinated  Indebtedness  not  described in
clause (a) of this Section 6.15 if the effect of such amendment or change,
together with  all  other amendments or changes made, is to increase the
obligations  of the obligor  thereunder  or  to  confer  any  additional
material rights on the holders of such Subordinated Indebtedness (or a trustee
or other representative on their behalf) which would be adverse to any Credit
Party or Lenders.

       6.16. FISCAL YEAR

             .   No  Credit  Party  shall,  nor shall  it  permit  any  of  its
Subsidiaries to, change its Fiscal Year, provided  however  that  Kerr  and its
Subsidiaries shall be permitted to change their respective Fiscal Years to that
of Company's on or after the Second Amendment Effective Date.

       6.17. DERIVATIVE TRANSACTIONS

             .  No Credit Party shall enter into any agreement with respect  to
any  swap,  forward,  future  or  derivative  transaction  or option or similar
agreement involving, or settled by reference to, one or more rates, currencies,
commodities,  equity or debt instruments or securities, or economic,  financial
or pricing indices or measures of economic, financial or pricing risk or value,
other than (a)  Financial  Hedge Agreements and (b) for the purposes of hedging
the actual exposure of Company  and  its  Subsidiaries  to  fluctuations in the
price of resin or other raw materials used in the operations of Company and its
Subsidiaries and not for speculative purposes.

SECTION 7.     GUARANTY

       7.1.  GUARANTY OF THE OBLIGATIONS

             .   Subject  to the provisions of Section 7.2, Guarantors  jointly
and   severally   hereby   irrevocably   and   unconditionally   guarantee   to
Administrative Agent for the  ratable  benefit of the Beneficiaries the due and
punctual payment in full of all Obligations  when  the  same  shall become due,
                                        -124-
<PAGE>

whether at stated maturity, by required prepayment, declaration,  acceleration,
demand  or  otherwise  (including  amounts  that  would become due but for  the
operation of the automatic stay under Section 362(a)  of  the  Bankruptcy Code,
11 U.S.C.   {section} 362(a))  (collectively,  the  "GUARANTEED  OBLIGATIONS").
Without limiting  the  obligations  of  Holdings under this Section 7, Holdings
shall become a co-obligor under the Notes,  on  a  joint and several basis with
Company, and execute the Notes in such capacity.

       7.2.  CONTRIBUTION BY GUARANTORS

             .    All   Guarantors   desire   to   allocate  among   themselves
(collectively, the "CONTRIBUTING GUARANTORS"), in a  fair and equitable manner,
their obligations arising under this Guaranty.  Accordingly,  in  the event any
payment  or  distribution  is  made  on  any  date  by  a Guarantor (a "FUNDING
GUARANTOR") under this Guaranty that exceeds its Fair Share  as  of  such date,
such  Funding  Guarantor  shall be entitled to a contribution from each of  the
other  Contributing  Guarantors  in  the  amount  of  such  other  Contributing
Guarantor's Fair Share Shortfall as of such date, with the result that all such
contributions will cause  each  Contributing  Guarantor's Aggregate Payments to
equal its Fair Share as of such date.  "FAIR SHARE"  means,  with  respect to a
Contributing  Guarantor  as  of  any date of determination, an amount equal  to
(a) the ratio of (i) the Fair Share  Contribution  Amount  with respect to such
Contributing  Guarantor  to  (ii) the aggregate of the Fair Share  Contribution
Amounts  with respect to all Contributing  Guarantors  multiplied  by  (b)  the
aggregate  amount  paid  or  distributed  on or before such date by all Funding
Guarantors under this Guaranty in respect of the obligations Guaranteed.  "FAIR
SHARE SHORTFALL" means, with respect to a Contributing Guarantor as of any date
of determination, the excess, if any, of the  Fair  Share  of such Contributing
Guarantor  over  the Aggregate Payments of such Contributing Guarantor.   "FAIR
SHARE CONTRIBUTION  AMOUNT"  means, with respect to a Contributing Guarantor as
of any date of determination,  the  maximum aggregate amount of the obligations
of such Contributing Guarantor under  this  Guaranty  that would not render its
obligations  hereunder  or  thereunder  subject to avoidance  as  a  fraudulent
transfer or conveyance under Section 548  of Title 11 of the United States Code
or any comparable applicable provisions of  state  law;  provided,  solely  for
purposes  of  calculating  the "FAIR SHARE CONTRIBUTION AMOUNT" with respect to
any Contributing Guarantor for  purposes  of  this  Section  7.2, any assets or
liabilities of such Contributing Guarantor arising by virtue of  any  rights to
subrogation,  reimbursement  or indemnification or any rights to or obligations
of contribution hereunder shall  not  be considered as assets or liabilities of
such Contributing Guarantor.  "AGGREGATE  PAYMENTS"  means,  with  respect to a
Contributing  Guarantor  as  of  any date of determination, an amount equal  to
(1) the aggregate amount of all payments  and  distributions  made on or before
such   date  by  such  Contributing  Guarantor  in  respect  of  this  Guaranty
(including,  without limitation, in respect of this Section 7.2), minus (2) the
aggregate amount  of  all  payments  received  on  or  before such date by such
Contributing Guarantor from the other Contributing Guarantors  as contributions
under  this Section 7.2.  The amounts payable as contributions hereunder  shall
be determined  as  of  the date on which the related payment or distribution is
made by the applicable Funding  Guarantor.   The  allocation among Contributing
Guarantors of their obligations as set forth in this  Section  7.2 shall not be
construed  in  any  way  to  limit the liability of any Contributing  Guarantor
hereunder.  Each Guarantor is  a  third  party  beneficiary to the contribution
agreement set forth in this Section 7.2.
                                        -125-
<PAGE>

       7.3.  PAYMENT BY GUARANTORS

             .  Subject to Section 7.2, Guarantors hereby jointly and severally
agree, in furtherance of the foregoing and not in limitation of any other right
which any Beneficiary may have at law or in equity  against  any  Guarantor  by
virtue  hereof,  that  upon the failure of Company to pay any of the Guaranteed
Obligations when and as  the same shall become due, whether at stated maturity,
by  required  prepayment,  declaration,   acceleration,   demand  or  otherwise
(including amounts that would become due but for the operation of the automatic
stay under Section 362(a) of the Bankruptcy Code, 11 U.S.C.  {section} 362(a)),
Guarantors  will  upon demand pay, or cause to be paid, in Cash,  in  same  day
funds, to Administrative  Agent  for  the  ratable benefit of Beneficiaries, an
amount  equal  to  the sum of the unpaid principal  amount  of  all  Guaranteed
Obligations  then due  as  aforesaid,  accrued  and  unpaid  interest  on  such
Guaranteed Obligations  (including  interest  which, but for Company's becoming
the subject of a case under the Bankruptcy Code,  would  have  accrued  on such
Guaranteed  Obligations, whether or not a claim is allowed against Company  for
such interest  in  the  related  bankruptcy  case)  and  all  other  Guaranteed
Obligations then owed to Beneficiaries as aforesaid.

       7.4.  LIABILITY OF GUARANTORS ABSOLUTE

             .   Each  Guarantor  agrees  that  its  obligations  hereunder are
irrevocable, absolute, independent and unconditional and shall not  be affected
by  any  circumstance  which  constitutes a legal or equitable discharge  of  a
guarantor or surety other than payment in full of the Guaranteed Obligations or
the  release  of  such  Guarantor  permitted   by  the  Credit  Documents.   In
furtherance of the foregoing and without limiting  the generality thereof, each
Guarantor agrees as follows:

             (a)    this Guaranty is a guaranty of payment  when due and not of
collectability.   This Guaranty is a primary obligation of each  Guarantor  and
not merely a contract of surety;

             (b)    Administrative  Agent  may  enforce  this Guaranty upon the
occurrence of an Event of Default notwithstanding the existence  of any dispute
between Company and any Beneficiary with respect to the existence of such Event
of Default;

             (c)    the obligations of each Guarantor hereunder are independent
of  the  obligations  of  Company  and  the  obligations of any other guarantor
(including any other Guarantor) of the obligations  of  Company, and a separate
action or actions may be brought and prosecuted against such  Guarantor whether
or  not  any action is brought against Company or any of such other  guarantors
and whether or not Company is joined in any such action or actions;

             (d)    payment  by any Guarantor of a portion, but not all, of the
Guaranteed Obligations shall in  no  way  limit,  affect, modify or abridge any
Guarantor's liability for any portion of the Guaranteed  Obligations  which has
not   been  paid.   Without  limiting  the  generality  of  the  foregoing,  if
Administrative  Agent  is awarded a judgment in any suit brought to enforce any
                                        -126-
<PAGE>

Guarantor's covenant to  pay  a  portion  of  the  Guaranteed Obligations, such
judgment shall not be deemed to release such Guarantor from its covenant to pay
the portion of the Guaranteed Obligations that is not the subject of such suit,
and such judgment shall not, except to the extent satisfied  by such Guarantor,
limit, affect, modify or abridge any other Guarantor's liability  hereunder  in
respect of the Guaranteed Obligations;

             (e)    any  Beneficiary,  upon such terms as it deems appropriate,
without notice or demand and without affecting  the  validity or enforceability
hereof  or giving rise to any reduction, limitation, impairment,  discharge  or
termination  of  any  Guarantor's  liability  hereunder,  from time to time may
(i) renew, extend, accelerate, increase the rate of interest  on,  or otherwise
change  the  time,  place,  manner  or  terms  of  payment  of  the  Guaranteed
Obligations; (ii) settle, compromise, release or discharge, or accept or refuse
any  offer of performance with respect to, or substitutions for, the Guaranteed
Obligations or any agreement relating thereto and/or subordinate the payment of
the same  to  the  payment  of  any other obligations; (iii) request and accept
other guaranties of the Guaranteed  Obligations  and take and hold security for
the  payment  hereof  or the Guaranteed Obligations;  (iv) release,  surrender,
exchange, substitute, compromise, settle, rescind, waive, alter, subordinate or
modify,  with  or without  consideration,  any  security  for  payment  of  the
Guaranteed Obligations,  any other guaranties of the Guaranteed Obligations, or
any other obligation of any Person (including any other Guarantor) with respect
to the Guaranteed Obligations;  (v) enforce  and  apply  any  security  now  or
hereafter  held  by or for the benefit of such Beneficiary in respect hereof or
the Guaranteed Obligations  and  direct the order or manner of sale thereof, or
exercise any other right or remedy  that  such Beneficiary may have against any
such security, in each case as such Beneficiary in its discretion may determine
consistent  herewith  or  the  applicable Financial  Hedge  Agreement  and  any
applicable  security agreement, including  foreclosure  on  any  such  security
pursuant to one  or  more  judicial  or nonjudicial sales, whether or not every
aspect of any such sale is commercially reasonable, and even though such action
operates to impair or extinguish any right  of  reimbursement or subrogation or
other right or remedy of any Guarantor against Company  or any security for the
Guaranteed  Obligations;  and (vi) exercise any other rights  available  to  it
under the Credit Documents or the Financial Hedge Agreements; and

             (f)    this Guaranty  and  the obligations of Guarantors hereunder
shall be valid and enforceable and shall  not  be  subject  to  any  reduction,
limitation,  impairment,  discharge  or termination for any reason (other  than
payment in full of the Guaranteed Obligations), including the occurrence of any
of  the  following,  whether or not any Guarantor  shall  have  had  notice  or
knowledge of any of them:  (i) any  failure or omission to assert or enforce or
agreement or election not to assert or  enforce,  or  the stay or enjoining, by
order  of  court,  by  operation  of  law  or  otherwise,  of the  exercise  or
enforcement  of,  any  claim  or demand or any right, power or remedy  (whether
arising under the Credit Documents  or  the Financial Hedge Agreements, at law,
in  equity  or otherwise) with respect to the  Guaranteed  Obligations  or  any
agreement relating  thereto,  or  with  respect  to  any  other  guaranty of or
security  for  the  payment of the Guaranteed Obligations; (ii) any rescission,
                                        -127-
<PAGE>

waiver, amendment or  modification of, or any consent to departure from, any of
the terms or provisions  (including  provisions  relating to events of default)
hereof,  any  of  the  other  Credit  Documents,  any of  the  Financial  Hedge
Agreements or any agreement or instrument executed  pursuant thereto, or of any
other guaranty or security for the Guaranteed Obligations, in each case whether
or  not  in  accordance  with  the terms hereof or such Credit  Document,  such
Financial Hedge Agreement or any  agreement  relating to such other guaranty or
security; (iii) the Guaranteed Obligations, or  any agreement relating thereto,
at any time being found to be illegal, invalid or unenforceable in any respect;
(iv) the application of payments received from any  source (other than payments
received pursuant to the other Credit Documents or any  of  the Financial Hedge
Agreements or from the proceeds of any security for the Guaranteed Obligations,
except to the extent such security also serves as collateral  for  indebtedness
other  than  the  Guaranteed Obligations) to the payment of indebtedness  other
than the Guaranteed Obligations, even though any Beneficiary might have elected
to apply such payment to any part or all of the Guaranteed Obligations; (v) any
Beneficiary's consent  to  the  change,  reorganization  or  termination of the
corporate structure or existence of Holdings or any of its Subsidiaries  and to
any corresponding restructuring of the Guaranteed Obligations; (vi) any failure
to  perfect  or  continue  perfection  of a security interest in any collateral
which secures any of the Guaranteed Obligations;  (vii) any  defenses, set-offs
or counterclaims which Company may allege or assert against any  Beneficiary in
respect  of  the  Guaranteed  Obligations,  including failure of consideration,
breach of warranty, payment, statute of frauds,  statute of limitations, accord
and satisfaction and usury; and (viii) any other act  or  thing or omission, or
delay to do any other act or thing, which may or might in any  manner or to any
extent  vary  the  risk  of  any  Guarantor  as  an  obligor in respect of  the
Guaranteed Obligations.

       7.5.  WAIVERS BY GUARANTORS

             .  Each Guarantor hereby waives, for the benefit of Beneficiaries:
(a)  any  right  to  require  any  Beneficiary, as a condition  of  payment  or
performance  by  such  Guarantor, to (i) proceed  against  Company,  any  other
guarantor (including any  other Guarantor) of the Guaranteed Obligations or any
other Person, (ii) proceed  against  or exhaust any security held from Company,
any such other guarantor or any other  Person,  (iii) proceed  against  or have
resort  to  any  balance  of  any Deposit Account or credit on the books of any
Beneficiary in favor of Company  or  any other Person, or (iv) pursue any other
remedy in the power of any Beneficiary  whatsoever;  (b) any defense arising by
reason of the incapacity, lack of authority or any disability  or other defense
of Company or any other Guarantor including any defense based on or arising out
of  the lack of validity or the unenforceability of the Guaranteed  Obligations
or any  agreement  or instrument relating thereto or by reason of the cessation
of the liability of  Company  or  any other Guarantor from any cause other than
payment in full of the Guaranteed Obligations;  (c)  any defense based upon any
statute or rule of law which provides that the obligation  of  a surety must be
neither larger in amount nor in other respects more burdensome than that of the
principal; (d) any defense based upon any Beneficiary's errors or  omissions in
the administration of the Guaranteed Obligations, except behavior which amounts
to  bad  faith;  (e)  (i) any  principles  or  provisions of law, statutory  or
otherwise, which are or might be in conflict with  the  terms  hereof  and  any
                                        -128-
<PAGE>

legal  or  equitable  discharge  of  such  Guarantor's  obligations  hereunder,
(ii) the  benefit  of  any  statute  of  limitations affecting such Guarantor's
liability hereunder or the enforcement hereof,  (iii) any  rights  to set-offs,
recoupments   and   counterclaims,   and  (iv) promptness,  diligence  and  any
requirement  that  any  Beneficiary protect,  secure,  perfect  or  insure  any
security  interest or lien  or  any  property  subject  thereto;  (f)  notices,
demands, presentments,  protests,  notices  of protest, notices of dishonor and
notices  of any action or inaction, including  acceptance  hereof,  notices  of
default  hereunder,  the   Financial  Hedge  Agreements  or  any  agreement  or
instrument  related  thereto, notices of any renewal, extension or modification
of the Guaranteed Obligations  or any agreement related thereto, notices of any
extension of credit to Company and notices of any of the matters referred to in
Section 7.4 and any right to consent  to  any  thereof; and (g) any defenses or
benefits that may be derived from or afforded by  law which limit the liability
of or exonerate guarantors or sureties, or which may  conflict  with  the terms
hereof.

       7.6.  GUARANTORS' RIGHTS OF SUBROGATION, CONTRIBUTION, ETC

             .   Until  the Guaranteed Obligations shall have been indefeasibly
paid  in full and the Revolving  Commitments  shall  have  terminated  and  all
Letters  of  Credit shall have expired or been cancelled, each Guarantor hereby
waives any claim,  right or remedy, direct or indirect, that such Guarantor now
has or may hereafter  have against Company or any other Guarantor or any of its
assets in connection with this Guaranty or the performance by such Guarantor of
its obligations hereunder,  in  each  case  whether such claim, right or remedy
arises in equity, under contract, by statute, under common law or otherwise and
including  without limitation (a) any right of  subrogation,  reimbursement  or
indemnification  that  such  Guarantor  now  has  or may hereafter have against
Company with respect to the Guaranteed Obligations,  (b)  any right to enforce,
or to participate in, any claim, right or remedy that any Beneficiary  now  has
or may hereafter have against Company, and (c) any benefit of, and any right to
participate  in,  any  collateral  or  security  now  or  hereafter held by any
Beneficiary.   In addition, until the Guaranteed Obligations  shall  have  been
indefeasibly paid  in  full and the Revolving Commitments shall have terminated
and all Letters of Credit  shall have expired or been cancelled, each Guarantor
shall withhold exercise of any  right  of  contribution such Guarantor may have
against any other guarantor (including any other  Guarantor)  of the Guaranteed
Obligations,  including, without limitation, any such right of contribution  as
contemplated by Section 7.2.  Each Guarantor further agrees that, to the extent
the waiver or agreement  to withhold the exercise of its rights of subrogation,
reimbursement, indemnification and contribution as set forth herein is found by
a court of competent jurisdiction  to  be  void or voidable for any reason, any
rights of subrogation, reimbursement or indemnification such Guarantor may have
against  Company  or against any collateral or  security,  and  any  rights  of
contribution such Guarantor may have against any such other guarantor, shall be
junior and subordinate  to any rights any Beneficiary may have against Company,
to  all  right,  title and interest  any  Beneficiary  may  have  in  any  such
collateral or security,  and to any right any Beneficiary may have against such
other guarantor.  If any amount  shall  be  paid to any Guarantor on account of
any such subrogation, reimbursement, indemnification  or contribution rights at
any  time  when  all  Guaranteed Obligations shall not have  been  finally  and
indefeasibly  paid  in  full,   such   amount   shall  be  held  in  trust  for
                                        -129-
<PAGE>

Administrative Agent on behalf of Beneficiaries and  shall  forthwith  be  paid
over  to  Administrative  Agent for the benefit of Beneficiaries to be credited
and applied against the Guaranteed  Obligations,  whether matured or unmatured,
in accordance with the terms hereof.

       7.7.  SUBORDINATION OF OTHER OBLIGATIONS

             .  Any Indebtedness of Company or any  Guarantor  now or hereafter
held by any Guarantor (the "OBLIGEE GUARANTOR") is hereby subordinated in right
of  payment to the Guaranteed Obligations, and any such indebtedness  collected
or received by the Obligee Guarantor after an Event of Default has occurred and
is continuing  shall  be  held  in  trust for Administrative Agent on behalf of
Beneficiaries and shall forthwith be  paid over to Administrative Agent for the
benefit of Beneficiaries to be credited  and  applied  against  the  Guaranteed
Obligations  but  without  affecting,  impairing or limiting in any manner  the
liability of the Obligee Guarantor under any other provision hereof.

       7.8.  CONTINUING GUARANTY

             .  This Guaranty is a continuing  guaranty  and  shall  remain  in
effect until all of the Guaranteed Obligations shall have been paid in full and
the Revolving Commitments shall have terminated and all Letters of Credit shall
have  expired  or been cancelled.  Each Guarantor hereby irrevocably waives any
right to revoke  this  Guaranty  as  to  future transactions giving rise to any
Guaranteed Obligations.

       7.9.  AUTHORITY OF GUARANTORS OR COMPANY

             .  It is not necessary for any  Beneficiary  to  inquire  into the
capacity  or  powers of any Guarantor or Company or the officers, directors  or
any agents acting or purporting to act on behalf of any of them.

       7.10. FINANCIAL CONDITION OF COMPANY

             .   Any  Credit Extension may be made to Company or continued from
time to time, and any Financial  Hedge Agreements may be entered into from time
to time, in each case without notice  to  or  authorization  from any Guarantor
regardless of the financial or other condition of Company at the  time  of  any
such  grant  or  continuation  or at the time such Financial Hedge Agreement is
entered into, as the case may be.   No Beneficiary shall have any obligation to
disclose  or discuss with any Guarantor  its  assessment,  or  any  Guarantor's
assessment, of the financial condition of Company.  Each Guarantor has adequate
means to obtain  information  from Company on a continuing basis concerning the
financial condition of Company and its ability to perform its obligations under
the Credit Documents and the Financial  Hedge  Agreements,  and  each Guarantor
assumes  the  responsibility  for  being  and keeping informed of the financial
condition  of  Company  and  of all circumstances  bearing  upon  the  risk  of
nonpayment of the Guaranteed Obligations.   Each  Guarantor  hereby  waives and
relinquishes  any  duty  on the part of any Beneficiary to disclose any matter,
fact or thing relating to the business, operations or conditions of Company now
known or hereafter known by any Beneficiary.

       7.11. BANKRUPTCY, ETC

             .    Without  limiting any Guarantor's ability to file a voluntary
bankruptcy petition in respect of itself, so long as any Guaranteed Obligations
remain outstanding, no Guarantor  shall,  without  the prior written consent of
Administrative Agent acting pursuant to the instructions  of Requisite Lenders,
                                        -130-
<PAGE>

commence   or  join  with  any  other  Person  in  commencing  any  bankruptcy,
reorganization  or  insolvency  case or proceeding of or against Company or any
other Guarantor.  The obligations of Guarantors hereunder shall not be reduced,
limited, impaired, discharged, deferred, suspended or terminated by any case or
proceeding, voluntary or involuntary,  involving  the  bankruptcy,  insolvency,
receivership,  reorganization,  liquidation  or  arrangement of Company or  any
other Guarantor or by any defense which Company or any other Guarantor may have
by reason of the order, decree or decision of any  court or administrative body
resulting from any such proceeding.

             (a)    Each Guarantor acknowledges and agrees that any interest on
any portion of the Guaranteed Obligations which accrues  after the commencement
of any case or proceeding referred to in clause (a) above  (or,  if interest on
any portion of the Guaranteed Obligations ceases to accrue by operation  of law
by  reason  of  the  commencement  of such case or proceeding, such interest as
would have accrued on such portion of  the  Guaranteed Obligations if such case
or  proceeding  had not been commenced) shall be  included  in  the  Guaranteed
Obligations because  it  is  the intention of Guarantors and Beneficiaries that
the Guaranteed Obligations which  are  guaranteed by Guarantors pursuant hereto
should be determined without regard to any  rule  of  law  or  order  which may
relieve Company of any portion of such Guaranteed Obligations.  Guarantors will
permit any trustee in bankruptcy, receiver, debtor in possession, assignee  for
the  benefit  of  creditors  or  similar person to pay Administrative Agent, or
allow the claim of Administrative  Agent  in  respect  of,  any  such  interest
accruing after the date on which such case or proceeding is commenced.

             (b)    In  the  event  that  all  or any portion of the Guaranteed
Obligations are paid by Company, the obligations  of Guarantors hereunder shall
continue and remain in full force and effect or be  reinstated, as the case may
be,  in  the  event that all or any part of such payment(s)  are  rescinded  or
recovered  directly  or  indirectly  from  any  Beneficiary  as  a  preference,
fraudulent transfer  or otherwise, and any such payments which are so rescinded
or  recovered  shall  constitute   Guaranteed   Obligations  for  all  purposes
hereunder.

       7.12. DISCHARGE OF GUARANTY UPON SALE OF GUARANTOR

             .  If all of the Capital Stock of any  Guarantor  or  any  of  its
successors  in  interest  hereunder  shall  be  sold  or  otherwise disposed of
(including  by  merger  or  consolidation)  in  a  transaction  consummated  in
accordance with the terms and conditions hereof, the Guaranty of such Guarantor
or   such   successor  in  interest,  as  the  case  may  be,  hereunder  shall
automatically  be  discharged  and  released  without any further action by any
Beneficiary or any other Person effective as of the time of such disposition.

SECTION 8.     EVENTS OF DEFAULT

       8.1.  EVENTS OF DEFAULT

             .  If any one or more of the following  conditions or events shall
occur:
                                        -131-
<PAGE>

             (a)    Failure to Make Payments When Due.   Failure  by Company to
pay  (i) when due any installment of principal of any Loan, whether  at  stated
maturity,  by  acceleration,  by  notice  of voluntary prepayment, by mandatory
prepayment or otherwise; (ii) when due any  amount  payable  to Issuing Bank in
reimbursement  of any Letter of Credit Disbursement; or (iii) any  interest  on
any Loan or any  fee  or any other amount due hereunder within three days after
the date due; or

             (b)    Default  in  Other  Agreements.   (i) Failure of any Credit
Party or any of their respective Subsidiaries to pay when  due any principal of
or interest on or any other amount payable in respect of one  or  more items of
Indebtedness (other than Indebtedness referred to in Section 8.1(a)) in an
individual principal  amount of $10,000,000 or more or with an aggregate
principal  amount of $15,000,000  or more, in each case beyond the grace period,
if any, provided therefor; or (ii) breach  or  default  by  any Credit Party
with respect to any other material term of (1) one or more items  of
Indebtedness in the individual or aggregate principal amounts referred to in
clause  (i) above or (2) any loan agreement, mortgage, indenture or other
agreement relating  to  such item(s) of Indebtedness, in each case beyond the
grace period, if any, provided  therefor, if the effect of such breach or
default is to cause, or to permit the holder or holders  of  that  Indebtedness
(or  a  trustee  on  behalf  of such holder or holders), to cause, that
Indebtedness to become or be declared  due and payable (or  redeemable)  prior
to its stated maturity or the stated maturity  of  any underlying obligation,
as the case may be; or

             (c)    Breach  of  Certain Covenants.  Failure of any Credit Party
to perform or comply with any term or condition contained in Section 2.8,
Section 5.2 (solely in respect of the Company),  Section 5.14  or Section 6 or
in Section 3 of the Pledge and Security Agreement; or

             (d)    Breach  of  Representations,  Etc.    Any   representation,
warranty,  certification or other statement made or deemed made by  any  Credit
Party in any  Credit  Document  or  in any statement or certificate at any time
given by any Credit Party or any of its Subsidiaries in writing pursuant hereto
or thereto shall be false in any material respect as of the date made or deemed
made; or

             (e)    Other Defaults Under  Credit  Documents.   Any Credit Party
shall  default  in  the  performance  of or compliance with any term  contained
herein or any of the other Credit Documents,  other than any such term referred
to in any other Section of this Section 8.1, and  such  default  shall not have
been  remedied or waived within 30 days after the earlier of (i) an  Authorized
Officer  of  Company or Holdings becoming aware of such default or (ii) receipt
by Company of  notice  from Administrative Agent or any Lender of such default;
or

             (f)    Involuntary   Bankruptcy;  Appointment  of  Receiver,  Etc.
(i) A court of competent jurisdiction  shall enter a decree or order for relief
in respect of Holdings or any of its Subsidiaries  (other than Excluded Foreign
Subsidiaries) in an involuntary case under the Bankruptcy  Code  or  under  any
other  applicable  bankruptcy,  insolvency  or  similar law now or hereafter in
                                        -132-
<PAGE>

effect, which decree or order is not stayed; or any  other similar relief shall
be  granted  under  any applicable federal, state or foreign  law;  or  (ii) an
involuntary case shall be commenced against Holdings or any of its Subsidiaries
(other than an Excluded  Foreign Subsidiary) under the Bankruptcy Code or under
any other applicable bankruptcy,  insolvency or similar law now or hereafter in
effect; or a decree or order of a court having jurisdiction in the premises for
the appointment of a receiver, liquidator,  sequestrator, trustee, custodian or
other officer having similar powers over Holdings  or  any  of its Subsidiaries
(other than an Excluded Foreign Subsidiary), or over all or a  substantial part
of  its  property,  shall  have been entered; or there shall have occurred  the
involuntary appointment of an  interim  receiver, trustee or other custodian of
Holdings or any of its Subsidiaries (other than an Excluded Foreign Subsidiary)
for all or a substantial part of its property;  or  a  warrant  of  attachment,
execution  or  similar  process  shall have been issued against any substantial
part of the property of Holdings or  any  of  its  Subsidiaries  (other than an
Excluded  Foreign  Subsidiary),  and  any  such event described in this  clause
(ii) shall  continue  for  60 days without having  been  dismissed,  bonded  or
discharged; or

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

             (h)    Judgments  and  Attachments.   Any  money judgment, writ or
warrant of attachment or similar process involving (i) in  any  individual case
an  amount  in  excess of $10,000,000 or (ii) in the aggregate at any  time  an
amount in excess  of  $15,000,000  (in either case to the extent not adequately
covered by insurance as to which a solvent  and  unaffiliated insurance company
has acknowledged coverage) shall be   entered or filed  against Holdings or any
of  its  Subsidiaries  or  any  of  their  respective assets and  shall  remain
undischarged, unvacated, unbonded or unstayed  for  a  period of 60 days (or in
any  event  later  than  five  days  prior  to  the date of any  proposed  sale
thereunder); or
                                        -133-
<PAGE>

             (i)    Dissolution.   Any  order,  judgment  or  decree  shall  be
entered against any Credit Party decreeing the dissolution  or split up of such
Credit Party and such order shall remain undischarged or unstayed  for a period
in excess of 30 days; or

             (j)    Employee Benefit Plans.  (i) There shall occur one  or more
ERISA  Events  which  individually  or  in  the  aggregate  (A)  have  or could
reasonably be expected to have a Material Adverse Effect, (B) have resulted  in
liabilities  of  Holdings,  its  Subsidiaries or any of their ERISA Affiliates,
taken together, in excess of $10,000,000  which  liabilities (1) have continued
for a period of 60 days without being paid, waived  or otherwise discharged and
(2) are not being contested in good faith by appropriate  proceedings  or  (ii)
there shall be imposed a Lien or security interest under Section 401(a)(29)  or
Section  412(n) of the Internal Revenue Code or under ERISA on Collateral which
Lien or security  interest  (1) has continued in effect for a period of 60 days
without being discharged and  (2)  is  not  being  contested  in  good faith by
appropriate proceedings; or

             (k)    Change of Control.  A Change of Control shall occur; or

             (l)    Guaranties,   Collateral   Documents   and   other   Credit
Documents.   At  any  time  after  the  execution and delivery thereof, (i) the
Guaranty  for  any  reason,  other  than  the  satisfaction   in  full  of  all
Obligations,  shall  cease  to  be  in  full  force and effect (other  than  in
accordance with its terms) or shall be declared  to  be  null  and  void or any
Guarantor  shall  repudiate its obligations thereunder, (ii) this Agreement  or
any Collateral Document  ceases  to  be in full force and effect (other than by
reason  of  a release of Collateral in accordance  with  the  terms  hereof  or
thereof or the  satisfaction  in full of the Obligations in accordance with the
terms hereof) or shall be declared null and void, or Collateral Agent shall not
have  or shall cease to have a valid  and  perfected  Lien  in  any  Collateral
purported  to be covered by the Collateral Documents with the priority required
by the relevant  Collateral  Document (unless released pursuant to the terms of
the Credit Documents), in each  case  for  any reason other than the failure of
Collateral Agent or any Secured Party to take any action within its control, or
(iii) any  Credit Party shall contest the validity  or  enforceability  of  any
Credit Document  in  writing  or  deny  in  writing  that  it  has  any further
liability,  including  with  respect  to future advances by Lenders, under  any
Credit Document to which it is a party;

THEN, (1) upon the occurrence of any Event  of Default described in Section 8.1
(f) or 8.1(g) with respect to Company or Holdings, automatically,  and  (2)  so
long  as any other  Event  of  Default  shall  be continuing, at the request of
(or with the consent of) Requisite Lenders, upon  notice to Company by
Administrative Agent, (A) the Revolving Commitments, if any,  of  each  Lender
having such Revolving Commitments and the obligation of Issuing Bank to issue
any  Letter  of  Credit shall immediately terminate; (B) each of the following
shall immediately become due  and  payable,  in  each case without presentment,
demand, protest or other requirements of any kind,  all  of  which  are  hereby
expressly waived by each Credit Party: (I) the unpaid principal amount of  and
accrued  interest on the Loans, (II) an amount equal to the maximum amount
that may at any time be drawn
                                        -134-
<PAGE>

under  all  Letters  of  Credit  then  outstanding  (regardless of whether  any
beneficiary under any such Letter of Credit shall have  presented,  or shall be
entitled at such time to present, the drafts or other documents or certificates
required   to   draw  under  such  Letters  of  Credit),  and  (III) all  other
Obligations;  provided,   the  foregoing  shall  not  affect  in  any  way  the
obligations of Lenders under Section 2.3(b)(iv) or Section 2.5(e); (C)
Administrative Agent may cause the Collateral Agent  to enforce any and all
Liens and security interests created pursuant to Collateral  Documents;  and
(D) Administrative Agent shall direct Company to pay (and Company hereby agrees
upon  receipt  of such notice, or  upon the occurrence of any Event of Default
specified in Section 8.1(f) and (g) to pay)  to  Administrative  Agent  such
additional amounts of cash, to be held as security for Company's reimbursement
Obligations  in  respect  of  Letters  of Credit then outstanding, equal to the
Letter of Credit Usage at such time.

       8.2.  COMPANY'S RIGHT TO CURE

             .

             (a)    Financial  Performance Covenants.  Notwithstanding anything
to the contrary contained in Section 8.1,  in  the event that Holdings fails to
comply with the requirements of any of the covenants  set  forth in Section 6.8
of  this  Agreement,  until  the expiration of the 10th day subsequent  to  the
relevant date of determination  of  compliance  with  any  of  such  covenants,
Holdings  shall  have the right to issue Permitted Cure Securities for Cash  or
otherwise receive  Cash  contributions  to the capital of Holdings (which shall
contribute all such Cash to the capital of  Company)  (collectively,  the "CURE
RIGHT"),  and  upon  the  receipt  by  Company of such Cash (the "CURE AMOUNT")
pursuant to the exercise by Holdings of such Cure Right such covenant set forth
in Section 6.8 of this Agreement shall be  recalculated  giving  effect  to the
following pro forma adjustments:

             (i)    Consolidated Adjusted EBITDA shall be increased, solely for
       the purpose of determining compliance with the covenants in Section  6.8
       of this Agreement and not for any other purpose under this Agreement, by
       an amount equal to the Cure Amount; and

             (ii)   If,  after  giving  effect to the foregoing recalculations,
       Company  shall  then  be in compliance  with  the  requirements  of  the
       covenants in Section 6.8  of  this Agreement, Company shall be deemed to
       have satisfied the requirements  of  such  covenants  as of the relevant
       date of determination with the same effect as though there  had  been no
       failure  to comply therewith at such date, and the applicable breach  or
       default of  such  covenants  that had occurred shall be deemed cured for
       purposes of this Agreement (it  being  understood  that  the Cure Amount
       shall be applied to increase Consolidated Adjusted EBITDA  (I)  for  the
       Fiscal Quarter in which Holdings shall have received the Cure Amount and
       (II) for any four Fiscal Quarter period that includes the Fiscal Quarter
       in  which  Holdings  shall  have  received the Cure Amount, in each case
       solely for the purposes set forth in this Section 8.2).
                                        -135-
<PAGE>

             (b)    Limitation  on Exercise  of  Cure  Right.   Notwithstanding
anything herein to the contrary,  (i) in  each four-Fiscal-Quarter period there
shall be at least two Fiscal Quarters in which the Cure Right is not exercised,
(ii) in each eight Fiscal-Quarter period, there  shall  be a period of at least
four consecutive fiscal quarters during which the Cure Right  is  not exercised
and  (iii)  the  Cure  Amount shall be no greater than the amount required  for
purposes of complying with  the  covenants  set  forth  in  Section 6.8 of this
Agreement for the most recently completed four fiscal-quarter period of Company
for which financial statements have been delivered pursuant to Section 5.1(b).

SECTION 9.     AGENTS

       9.1.  APPOINTMENT OF AGENTS

             .   GSCP  and  JPMCB  are  hereby appointed Co-Syndication  Agents
hereunder, and each Lender hereby authorizes  Co-Syndication  Agents  to act as
its  agents in accordance with the terms hereof and the other Credit Documents.
DBTCA  is  hereby  appointed Administrative Agent hereunder and under the other
Credit Documents and  each Lender hereby authorizes Administrative Agent to act
as  its  agent in accordance  with  the  terms  hereof  and  the  other  Credit
Documents.   DBTCA is hereby appointed Collateral Agent hereunder and under the
other Credit Documents  and  each  Lender hereby authorizes Collateral Agent to
act as its agent in accordance with  the  terms  hereof  and  the  other Credit
Documents.   Each  Agent  hereby  agrees  to  act  upon  the express conditions
contained herein and the other Credit Documents, as applicable.  The provisions
of  this  Section  9 are solely for the benefit of Agents and  Lenders  and  no
Credit Party shall have  any  rights as a third party beneficiary of any of the
provisions thereof.  In performing  its  functions  and  duties hereunder, each
Agent shall act solely as an agent of Lenders and does not assume and shall not
be deemed to have assumed any obligation towards or relationship  of  agency or
trust  with  or  for  Holdings or any of its Subsidiaries.  Each Co-Syndication
Agent, without consent of or notice to any party hereto, may assign any and all
of its rights or obligations  hereunder  to  any  of its Affiliates.  As of the
Second  Amendment  Effective Date, each of GSCP and JPMCB,  in  its  respective
capacity as Co-Syndication  Agent, and General Electric Capital Corporation and
The Royal Bank of Scotland, in  their  capacities  as  Co-Documentation Agents,
shall not have any obligations but shall be entitled to  all  benefits  of this
Section 9.

       9.2.  POWERS AND DUTIES

             .   Each  Lender  irrevocably  authorizes  each Agent to take such
action on such Lender's behalf and to exercise such powers, rights and remedies
hereunder and under the other Credit Documents as are specifically delegated or
granted  to  such  Agent  by the terms hereof and thereof, together  with  such
powers, rights and remedies  as  are  reasonably  incidental  thereto.  Without
limiting the foregoing, Collateral Agent is expressly authorized to execute any
and all documents and instruments with respect to the Collateral and the rights
of  the  Lenders  and  each  Issuing  Bank with respect thereto and to  act  as
Collateral Agent on behalf of the Lenders  and  each Issuing Bank, in each case
as  contemplated by and in accordance with the terms  and  provisions  of  this
Agreement  and  the  other  Credit Documents.  Each Agent shall have only those
duties and responsibilities that  are  expressly specified herein and the other
                                        -136-
<PAGE>

Credit Documents.  Each Agent may exercise such powers, rights and remedies and
perform such duties by or through its agents  or  employees.   No  Agent  shall
have,  by  reason  hereof  or  any  of  the other Credit Documents, a fiduciary
relationship in respect of any Lender; and  nothing  herein or any of the other
Credit Documents, expressed or implied, is intended to or shall be so construed
as to impose upon any Agent any obligations in respect  hereof  or  any  of the
other Credit Documents except as expressly set forth herein or therein.

       9.3.  GENERAL IMMUNITY

             .

             (a)    No Responsibility for Certain Matters.  No Agent shall have
any  duties  or  obligations except those expressly set forth herein, nor shall
any Agent be subject  to  any  fiduciary or other implied duties, regardless of
whether  a  Default  has occurred and  is  continuing.   Without  limiting  the
generality of the foregoing,  no  Agent  shall be responsible to any Lender for
the   execution,   effectiveness,   genuineness,    validity,   enforceability,
collectability or sufficiency hereof or any other Credit  Document  or  for any
representations,  warranties, recitals or statements made herein or therein  or
made in any written or oral statements or in any financial or other statements,
instruments, reports  or  certificates or any other documents furnished or made
by any Agent to Lenders or  by or on behalf of any Credit Party to any Agent or
any  Lender  in connection with  the  Credit  Documents  and  the  transactions
contemplated thereby  or for the financial condition or business affairs of any
Credit Party or any other Person liable for the payment of any Obligations, nor
shall any Agent be required  to  ascertain  or inquire as to the performance or
observance of any of the terms, conditions, provisions, covenants or agreements
contained in any of the Credit Documents or as  to  the  use of the proceeds of
the Loans or as to the existence or possible existence of  any Event of Default
or Default.  Except as expressly set forth herein, no Agent shall have any duty
to  disclose,  and  shall  not  be  liable  for  the  failure to disclose,  any
information relating to any Credit Party that is communicated to or obtained by
such Agent or any of its Affiliates in any capacity.  Anything contained herein
to  the  contrary  notwithstanding,  Administrative Agent shall  not  have  any
liability arising from confirmations of  the amount of outstanding Loans or the
Letter of Credit Usage or the component amounts thereof.

             (b)    Exculpatory Provisions.  No Agent nor any of  its officers,
partners, directors, employees or agents shall  be  liable  to  Lenders for any
action  taken or omitted by any Agent under or in connection with  any  of  the
Credit Documents  except  to the extent caused by such Agent's gross negligence
or willful misconduct.  Each Agent shall be entitled to refrain from any act or
the  taking  of  any action (including  the  failure  to  take  an  action)  in
connection herewith  or  any of the other Credit Documents or from the exercise
of any power, discretion or  authority  vested  in  it  hereunder or thereunder
unless and until such Agent shall have received instructions in respect thereof
from Requisite Lenders (or such other Lenders as may be required  to  give such
instructions  under  Section 10.5) and, upon receipt of such instructions  from
Requisite Lenders (or such other Lenders, as the case may be), such Agent shall
be entitled to act or (where so instructed) refrain from acting, or to exercise
such power, discretion or authority, in accordance with such instructions.  Any
                                        -137-
<PAGE>

Agent shall be entitled  to  rely  upon,  and shall not incur any liability for
relying upon, any notice, request, certificate, consent, statement, instrument,
document or other writing believed by it to  be genuine and to have been signed
or sent by the proper Person.  Any Agent also  may rely upon any statement made
to  it orally or by telephone and believed by it  to  be  made  by  the  proper
Person,  and  shall not incur any liability for relying thereon.  Any Agent may
consult with legal  counsel  (who  may  be  counsel  for  Company), independent
accountants and other experts selected by it, and shall not  be  liable for any
action  taken  or  not  taken  by it in accordance with the advice of any  such
counsel, accountants or experts.

       9.4.  AGENTS ENTITLED TO ACT AS LENDER

             .  The agency hereby  created shall in no way impair or affect any
of the rights and powers of, or impose  any  duties  or  obligations  upon, any
Agent  in  its individual capacity as a Lender hereunder.  With respect to  its
participation in the Loans and the Letters of Credit, each Agent shall have the
same rights  and powers hereunder as any other Lender and may exercise the same
as  if it were  not  performing  the  duties  and  functions  delegated  to  it
hereunder,  and  the  term "Lender" shall, unless the context clearly otherwise
indicates, include each  Agent  in  its individual capacity.  Any Agent and its
Affiliates may accept deposits from,  lend  money  to,  own  securities of, and
generally  engage  in any kind of banking, trust, financial advisory  or  other
business with Holdings  or  any  of its Affiliates as if it were not performing
the duties specified herein, and may  accept  fees and other consideration from
Company for services in connection herewith and  otherwise  without  having  to
account for the same to Lenders.

       9.5.  LENDERS' REPRESENTATIONS, WARRANTIES AND ACKNOWLEDGMENT

             .   Each  Lender  represents and warrants that it has made its own
independent investigation of the  financial  condition  and affairs of Holdings
and its Subsidiaries in connection with Credit Extensions hereunder and that it
has made and shall continue to make its own appraisal of  the  creditworthiness
of   Holdings  and  its  Subsidiaries.   No  Agent  shall  have  any  duty   or
responsibility,  either  initially  or  on a continuing basis, to make any such
investigation or any such appraisal on behalf  of  Lenders  or  to  provide any
Lender  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, and no Agent shall have any responsibility with  respect  to
the accuracy of or the completeness of any information provided to Lenders.

       9.6.  RIGHT TO INDEMNITY

             .   Each  Lender,  in  proportion to its Pro Rata Share, severally
agrees to indemnify each Agent, to the  extent  that  such Agent shall not have
been reimbursed by any Credit Party, for and against any  and  all liabilities,
obligations,  losses,  damages,  penalties, actions, judgments, suits,  claims,
costs,  fees,  expenses  (including  counsel   fees   and   disbursements)   or
disbursements  of  any  kind  or  nature  whatsoever  which  may be imposed on,
incurred by or asserted against such Agent in exercising its powers, rights and
remedies or performing its duties hereunder or under the other Credit Documents
or otherwise in its capacity as such Agent in any way relating  to  or  arising
out  hereof  or the other Credit Documents; provided, no Lender shall be liable
                                        -138-
<PAGE>

for any portion  of  such liabilities, obligations, losses, damages, penalties,
actions, judgments, suits,  claims,  costs,  fees,  expenses  or  disbursements
resulting  from  such Agent's gross negligence or willful misconduct.   If  any
indemnity furnished  to any Agent for any purpose shall, in the opinion of such
Agent, be insufficient  or  become impaired, such Agent may call for additional
indemnity and cease, or not commence,  to do the acts indemnified against until
such  additional indemnity is furnished;  provided,  in  no  event  shall  this
sentence  require  any  Lender  to  indemnify  any Agent against any liability,
obligation, loss, damage, penalty, action, judgment,  suit,  claim,  cost, fee,
expense or disbursement in excess of such Lender's Pro Rata Share thereof;  and
provided,  further,  this sentence shall not be deemed to require any Lender to
indemnify any Agent against  any  liability, obligation, loss, damage, penalty,
action, judgment, suit, claim, cost,  fee, expense or disbursement described in
the proviso in the immediately preceding sentence.

       9.7.  SUB-AGENTS

             .  Each Agent may perform  any and all its duties and exercise its
rights and powers by or through any one or  more  sub-agents  appointed by such
Agent.   Each Agent and any such sub-agent may perform any and all  its  duties
and exercise  its  rights  and powers through their respective Affiliates.  The
exculpatory provisions of the preceding paragraphs shall apply to any such sub-
agent and to the Affiliates  of  each  Agent  and any such sub-agent, and shall
apply to their respective activities in connection  with the syndication of the
credit facilities provided for herein as well as activities as such Agent.

       9.8.  SUCCESSOR ADMINISTRATIVE AGENT, COLLATERAL  AGENT  AND  SWING LINE
LENDER

             .

             (a)    Administrative Agent and Collateral Agent.  Subject  to the
appointment  and  acceptance  of  a successor Administrative Agent or successor
Collateral  Agent,  as applicable, as  provided  in  this  paragraph,  each  of
Administrative Agent  and  Collateral  Agent  may  resign at any time by giving
prior written notice thereof to Lenders and Company, and each of Administrative
Agent and Collateral Agent may be removed at any time  with or without cause by
an  instrument or concurrent instruments in writing delivered  to  Company  and
Administrative  Agent  or  Collateral  Agent,  as  applicable,  and  signed  by
Requisite  Lenders.   Upon  any such notice of resignation or any such removal,
Requisite Lenders shall have  the  right,  upon  five  Business Days' notice to
Company, to appoint a successor Administrative Agent or  Collateral  Agent with
Company's consent (not to be unreasonably withheld) unless an Event of  Default
has occurred and is continuing or such successor is a Lender, in each of  which
cases  Company's  consent  need not be obtained.  In each case, if no successor
shall have been so appointed  by Requisite Lenders and shall have accepted such
appointment within 30 days after  the retiring Administrative Agent or retiring
Collateral Agent, as applicable, gives  notice  of  its  resignation,  then the
retiring  Administrative  Agent  may, on behalf of Lenders, appoint a successor
Administrative Agent or successor  Collateral  Agent,  as applicable.  Upon the
acceptance  of  any  appointment  as Administrative Agent or  Collateral  Agent
hereunder  by  a  successor Administrative  Agent  or  Collateral  Agent,  that
successor Administrative  Agent  or Collateral Agent shall thereupon succeed to
and become vested with all the rights,  powers,  privileges  and  duties of the
                                        -139-
<PAGE>

retiring  or removed Administrative Agent or Collateral Agent and the  retiring
or removed Administrative Agent or Collateral Agent shall promptly (i) transfer
to such successor  Administrative Agent all sums, Securities and other items of
Collateral held under  the  Collateral Documents, together with all records and
other documents necessary or  appropriate in connection with the performance of
the duties of the successor Administrative  Agent or Collateral Agent under the
Credit Documents, and (ii) execute and deliver to such successor Administrative
Agent or Collateral Agent such amendments to  financing  statements,  and  take
such  other  actions, as may be necessary or appropriate in connection with the
assignment to  such  successor  Administrative Agent or Collateral Agent of the
security  interests created under  the  Collateral  Documents,  whereupon  such
retiring  or   removed  Administrative  Agent  or  Collateral  Agent  shall  be
discharged from  its  duties  and obligations hereunder.  After any retiring or
removed Administrative Agent's  or  Collateral  Agent's  resignation or removal
hereunder as Administrative Agent or Collateral Agent, the  provisions  of this
Section  9 shall inure to its benefit as to any actions taken or omitted to  be
taken by it while it was Agent hereunder.

             (b)    Swing  Line  Lender.   Swing Line Lender may be replaced at
any time by written agreement among Company, Administrative Agent, the replaced
Swing Line Lender and the successor Swing Line  Lender.   Administrative  Agent
shall notify the Lenders of any such replacement of Swing Line Lender.  At  the
time  any such replacement shall become effective, (i) Company shall prepay any
outstanding Swing Line Loans made by the retiring or removed Swing Line Lender,
(ii) upon  such  prepayment,  the  retiring  or removed Swing Line Lender shall
surrender  any  Swing  Line Note held by it to Company  for  cancellation,  and
(iii) Company shall issue, if so requested by successor Swing Line Loan Lender,
a new Swing Line Note to  the  successor  Swing  Line  Lender, in the principal
amount  of  the  Swing  Line  Loan  Sublimit  then  in  effect and  with  other
appropriate insertions.

       9.9.  COLLATERAL DOCUMENTS AND GUARANTY

             .

             (a)    Agents  under  Collateral  Documents  and  Guaranty.   Each
Lender hereby further authorizes Administrative Agent or Collateral  Agent,  as
applicable,  on  behalf  of and for the benefit of Lenders, to be the agent for
and representative of Lenders  with respect to the Guaranty, the Collateral and
the Collateral Documents.  Subject to Section 10.5, without further written
consent or authorization from Lenders, Administrative  Agent  or  Collateral
Agent, as applicable  may  execute  any documents or instruments necessary to
(i) release any Lien encumbering any item  of  Collateral  that is the subject
of a sale or other disposition of assets permitted hereby or  to which
Requisite Lenders (or such other Lenders as may be required to give such
consent under Section 10.5) have otherwise consented, (ii) release any
Guarantor from  the  Guaranty pursuant to Section 7.12 or with respect to
which Requisite Lenders (or  such other Lenders as  may  be  required  to
give  such  consent  under  Section 10.5) have otherwise consented, or (iii)
release any Lien and any Guarantor from  the  Guaranty upon payment in full
in cash of the Loans and all other Obligations under the Credit
Documents  (other  than unasserted contingent and indemnification obligations),
                                        -140-
<PAGE>

termination of all Commitments  (including  commitments of the Issuing Banks to
issue Letters of Credit) and reduction of the Letter of Credit Exposure to zero
(or the making of other arrangements satisfactory  to  Administrative Agent and
each Issuing Bank).

             (b)    Right  to  Realize  on  Collateral  and  Enforce  Guaranty.
Anything   contained   in   any   of  the  Credit  Documents  to  the  contrary
notwithstanding, Company, Administrative  Agent  and  each  Lender hereby agree
that (i) no Lender shall have any right individually to realize upon any of the
Collateral or to enforce the Guaranty, it being understood and  agreed that all
powers, rights and remedies hereunder may be exercised solely by Administrative
Agent, on behalf of Lenders in accordance with the terms hereof and all powers,
rights and remedies under the Collateral Documents may be exercised  solely  by
Collateral Agent, and (ii) in the event of a foreclosure by Collateral Agent on
any of the Collateral pursuant to a public or private sale, Collateral Agent or
any  Lender  may  be the purchaser of any or all of such Collateral at any such
sale and Collateral  Agent,  as agent for and representative of Secured Parties
(but not any Lender or Lenders in its or their respective individual capacities
unless Requisite Lenders shall  otherwise agree in writing), shall be entitled,
for the purpose of bidding and making  settlement  or  payment  of the purchase
price  for  all  or  any  portion of the Collateral sold at any such public  or
private sale, to use and apply any of the Obligations as a credit on account of
the purchase price for any collateral payable by Collateral Agent at such sale.

SECTION 10.    MISCELLANEOUS

       10.1. NOTICES

             .  Unless otherwise  specifically  provided  herein, any notice or
other communication herein required or permitted to be given to a Credit Party,
Co-Syndication Agent, Collateral Agent, Administrative Agent, Swing Line Lender
or  any Issuing Bank shall be sent to such Person's address  as  set  forth  on
Appendix  B  or  in  the other relevant Credit Document, and in the case of any
Lender, the address as  indicated  on  Appendix B  or  otherwise  indicated  to
Administrative Agent in writing.  Each notice hereunder shall be in writing and
may  be  personally  served,  telexed or sent by telefacsimile or United States
mail  or  courier service and shall  be  deemed  to  have  been  received  when
delivered in  person  or  by  courier  service  and  signed for against receipt
thereof, upon receipt of telefacsimile or telex, or three  Business  Days after
depositing  it  in  the  United  States  mail with postage prepaid and properly
addressed; provided, no notice to any Agent,  Swing  Line Lender or any Issuing
Bank shall be effective until received by such Person.

       10.2. EXPENSES

             .  Whether or not the transactions contemplated  hereby  shall  be
consummated,  Company  agrees to pay promptly (a) all the actual and reasonable
costs and expenses of preparation  of  the  Credit  Documents and any consents,
amendments,  waivers  or  other modifications thereto; (b)  all  the  costs  of
furnishing all opinions by  counsel  for  Company and the other Credit Parties;
(c) the reasonable out-of-pocket fees, expenses  and  disbursements  of  Agents
(including, without limitation, the fees, expenses and disbursements of outside
counsel  to  Agents) in connection with the negotiation, preparation, execution
                                        -141-
<PAGE>

and administration  of  the  Credit  Documents  and  any  consents, amendments,
waivers  or  other  modifications  thereto and any other documents  or  matters
requested by Company; (d) all the out-of-pocket  actual  costs  and  reasonable
expenses of creating and perfecting Liens in favor of Collateral Agent, for the
benefit  of  Lenders  pursuant  hereto,  including  filing  and recording fees,
expenses  and taxes, stamp or documentary taxes, search fees,  title  insurance
premiums and  reasonable  fees,  expenses  and disbursements of counsel to each
Agent and of counsel providing any opinions that any Agent or Requisite Lenders
may request in respect of the Collateral or  the  Liens created pursuant to the
Collateral Documents, and all costs and expenses of  releasing  any  Liens; (e)
all   the   out-of-pocket  actual  costs  and  reasonable  fees,  expenses  and
disbursements  of any auditors, accountants, consultants or appraisers; (f) all
the  out-of-pocket   actual   costs  and  reasonable  expenses  (including  the
reasonable fees, expenses and disbursements  of  any  appraisers,  consultants,
advisors  and agents employed or retained by Collateral Agent and its  counsel)
in connection  with  the  custody or preservation of any of the Collateral; (g)
all other out-of-pocket actual  and  reasonable  costs and expenses incurred by
each Agent in connection with the syndication of the  Loans and Commitments and
the  negotiation,  preparation and execution of the Credit  Documents  and  any
consents,  amendments,   waivers   or   other  modifications  thereto  and  the
transactions contemplated thereby; and (h) after the occurrence of a Default or
an Event of Default, (i) all costs and expenses  of  inspections  and visits by
any  Agent  or Lender pursuant to Section 5.6 and (ii) all out-of-pocket  costs
and expenses,  including  reasonable  attorneys'  fees and costs of settlement,
incurred  by  any  Agent  and Lenders in enforcing any  Obligations  of  or  in
collecting any payments due  from any Credit Party hereunder or under the other
Credit Documents by reason of  such  Default  or Event of Default (including in
connection with the sale of, collection from, or  other realization upon any of
the Collateral or the enforcement of the Guaranty)  or  in  connection with any
refinancing or restructuring of the credit arrangements provided  hereunder  in
the nature of a "work-out" or pursuant to any insolvency or bankruptcy cases or
proceedings.

       10.3. INDEMNITY

             .

             (a)    In  addition to the payment of expenses pursuant to Section
10.2, whether or not the transactions contemplated hereby shall be consummated,
each Credit Party agrees  to  defend  (subject  to  Indemnitees'  selection  of
counsel),  indemnify,  pay  and  hold  harmless,  each Agent and Lender and the
officers, partners, directors, trustees, employees,  agents  and  Affiliates of
each  Agent and each Lender (each, an "INDEMNITEE"), from and against  any  and
all  Indemnified   Liabilities;  provided,  no  Credit  Party  shall  have  any
obligation  to  any  Indemnitee  hereunder  with  respect  to  any  Indemnified
Liabilities to the extent  such  Indemnified  Liabilities  arise from the gross
negligence or willful misconduct of that Indemnitee, and provided,  further, no
Credit  Party  shall  have  any obligation to Issuing Bank in the event of  the
wrongful dishonor by Issuing Bank of a proper demand for payment made under any
Letter of Credit issued by it (it being understood that no dishonor as a result
of a Governmental Act shall constitute  a  wrongful  dishonor).   To the extent
that the undertakings to defend, indemnify, pay and hold harmless set  forth in
this  Section  10.3  may be unenforceable in whole or in part because they  are
                                        -142-
<PAGE>

violative of any law or  public  policy,  the  applicable  Credit  Party  shall
contribute  the  maximum  portion that it is permitted to pay and satisfy under
applicable law to the payment  and  satisfaction of all Indemnified Liabilities
incurred by Indemnitees or any of them.   To the extent permitted by applicable
law, no Credit Party shall assert, and each  hereby  waives,  any claim against
any   Indemnitee,   on   any   theory  of  liability,  for  special,  indirect,
consequential or punitive damages  (as  opposed  to  direct  or actual damages)
arising out of, in connection with, or as a result of, any Credit  Document  or
any agreement or instrument or transaction contemplated hereby.

             (b)    To the extent permitted by applicable law, neither Holdings
nor  any of its Subsidiaries or Affiliates shall assert, and hereby waives, any
claim  against  any  Lender  or  any of their Affiliates, directors, employees,
attorneys  or  agents,  on any theory  of  liability,  for  special,  indirect,
consequential or punitive  damages   (as  opposed  to direct or actual damages)
(whether or not the claim therefor is based on contract,  tort  or duty imposed
by  any  applicable  legal  requirement)  arising  out of, in connection  with,
arising out of, as a result of, or in any way related to, this Agreement or any
Credit Document or any agreement or instrument contemplated  hereby or thereby,
the  transactions contemplated hereby or thereby, any Loan or the  use  of  the
proceeds  thereof  or  any  act  or  omission  or event occurring in connection
therewith, and Holdings and Company hereby waives,  releases  and agrees not to
sue upon any such claim or any such damages, whether or not accrued and whether
or not known or suspected to exist in its favor.

       10.4. SET-OFF

             .   In  addition  to  any  rights  now or hereafter granted  under
applicable  law  and  not by way of limitation of any  such  rights,  upon  the
occurrence of any Event  of  Default  each  Lender is hereby authorized by each
Credit  Party  at  any time or from time to time  subject  to  the  consent  of
Administrative Agent (such consent not to be unreasonably withheld or delayed),
without  notice to any  Credit  Party  or  to  any  other  Person  (other  than
Administrative  Agent),  any  such notice being hereby expressly waived, to set
off and to appropriate and to apply  any  and all deposits (general or special,
including Indebtedness evidenced by certificates of deposit, whether matured or
unmatured, but not including trust accounts)  and any other Indebtedness at any
time held or owing by such Lender to or for the  credit  or  the account of any
Credit Party against and on account of the obligations and liabilities  of  any
Credit  Party  to  such  Lender  hereunder,  under  the  Letters  of Credit and
participations  therein  and  under  the other Credit Documents, including  all
claims of any nature or description arising  out  of  or  connected herewith or
therewith, irrespective of whether or not (a) such Lender shall  have  made any
demand  hereunder  or (b) the principal of or the interest on the Loans or  any
amounts in respect of  the Letters of Credit or any other amounts due hereunder
shall have become due and  payable  pursuant  to  Section 2  and  although such
obligations  and  liabilities,  or any of them, may be contingent or unmatured.
Each Credit Party hereby further grants to Administrative Agent and each Lender
a  security interest in all Deposit  Accounts  maintained  with  Administrative
Agent or such Lender as security for the Obligations.
                                        -143-
<PAGE>

       10.5. AMENDMENTS AND WAIVERS

             .

             (a)    Requisite Lenders' Consent.  Subject to Section 10.5(b) and
10.5(c),  no amendment, modification, termination or waiver of any provision of
the Credit  Documents,  or  consent  to  any  departure  by  any  Credit  Party
therefrom,  shall in any event be effective without the written concurrence  of
the Requisite Lenders.

             (b)    Affected  Lenders' Consent.  Without the written consent of
each Lender  (other than a Defaulting  Lender)  that would be affected thereby,
no amendment, modification, termination, or consent  shall  be effective if the
effect thereof would:

                    (i)   extend the scheduled final maturity  of  any  Loan or
       Note;

                    (ii)  waive,  reduce  or  postpone  any scheduled repayment
       (but not prepayment);

                    (iii) extend the stated expiration date  of  any  Letter of
       Credit beyond the Revolving Commitment Termination Date;

                    (iv)  reduce  the rate of interest on any Loan (other  than
       any waiver of any increase in  the  interest rate applicable to any Loan
       pursuant to Section 2.11) or any fee payable hereunder;

                    (v)   extend the time for  payment  of any such interest or
       fees;

                    (vi)  reduce  the  principal  amount of  any  Loan  or  any
       reimbursement obligation in respect of any Letter of Credit;

                    (vii) amend, modify, terminate  or  waive  any provision of
       this  Section 10.5(b), Section 10.5(c) or any other provisions  of  this
       Agreement  specifying  the  percentage  of Lenders needed to take action
       under  this  Agreement  (including but not limited  to  Section  10.6(a)
       hereof);

                    (viii)amend  the  definition of "REQUISITE LENDERS" or "PRO
       RATA SHARE"; provided, with the consent of Requisite Lenders, additional
       extensions  of  credit  pursuant  hereto   may   be   included   in  the
       determination   of   "REQUISITE   LENDERS"   or   "PRO  RATA  SHARE"  on
       substantially  the  same  basis as the Term Loan Commitments,  the  Term
       Loans, the Revolving Commitments and the Revolving Loans are included on
       the Second Amendment Effective Date;

                    (ix)  release all or substantially all of the Collateral or
       all or substantially all of  the  Guarantors from the Guaranty except as
       expressly provided in the Credit Documents;

                    (x)   consent to the assignment  or  transfer by any Credit
       Party of any of its rights and obligations under any Credit Document; or
                                        -144-
<PAGE>

                    (xi)  amend  Section  2.15(b)(ii) of this  Agreement  in  a
       manner that would change the pro rata  sharing  of Commitment reductions
       set forth therein.

             (c)    Other Consents.  No amendment, modification, termination or
waiver of any provision of the Credit Documents, or consent to any departure by
any Credit Party therefrom, shall:

                    (i)   increase any Revolving Commitment  of any Lender over
       the  amount thereof then in effect without the consent of  such  Lender;
       provided,   no  amendment,  modification  or  waiver  of  any  condition
       precedent, covenant,  Default  or  Event  of Default shall constitute an
       increase in any Revolving Commitment of any Lender;

                    (ii)  amend,  modify,  terminate  or  waive  any  provision
       hereof  relating to the Swing Line Sublimit  or  the  Swing  Line  Loans
       without the consent of Swing Line Lender;

                    (iii) amend  the  definition  of  "REQUISITE CLASS LENDERS"
       without the consent of Requisite Class Lenders of  each Class; provided,
       with  the  consent  of the Requisite Lenders, additional  extensions  of
       credit pursuant hereto  may  be  included  in  the determination of such
       "REQUISITE CLASS LENDERS" on substantially the same  basis  as  the Term
       Loan  Commitments,  the  Term  Loans,  the Revolving Commitments and the
       Revolving Loans are included on the Second Amendment Effective Date;

                    (iv)  alter the required application  of  any repayments or
       prepayments  as  between  Classes pursuant to Section 2.16  without  the
       consent  of  Requisite Class  Lenders  of  each  Class  which  is  being
       allocated  a  lesser  repayment  or  prepayment  as  a  result  thereof;
       provided, Requisite  Lenders  may  waive,  in  whole  or  in  part,  any
       prepayment  so  long  as  the  application,  as  between Classes, of any
       portion of such prepayment which is still required  to  be  made  is not
       altered;

                    (v)   amend,  modify, terminate or waive any obligation  of
       Lenders relating to the issuance  of  or  purchase  of participations in
       Letters  of  Credit without the written consent of Administrative  Agent
       and of each Issuing Bank; or

                    (vi)  amend,  modify,  terminate  or waive any provision of
       Section  9  as  the  same applies to any Agent, or any  other  provision
       hereof as the same applies to the rights or obligations of any Agent, in
       each case without the consent of such Agent.

             (d)    Execution  of  Amendments,  etc.  Administrative Agent may,
but shall have no obligation to, with the concurrence  of  any  Lender, execute
                                        -145-
<PAGE>

amendments, modifications, waivers or consents on behalf of such   Lender.  Any
waiver or consent shall be effective only in the specific instance and  for the
specific  purpose for which it was given.  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.   Any amendment, modification,
termination, waiver or consent effected in accordance  with  this  Section 10.5
shall  be binding upon each Lender at the time outstanding, each future  Lender
and, if signed by a Credit Party, on such Credit Party.

       10.6. SUCCESSORS AND ASSIGNS; PARTICIPATIONS

             .

             (a)    Generally.   This  Agreement  shall  be  binding  upon  the
parties  hereto  and their respective successors and assigns and shall inure to
the benefit of the  parties  hereto  and the successors and assigns of Lenders.
No Credit Party's rights or obligations  hereunder nor any interest therein may
be assigned or delegated by any Credit Party  without the prior written consent
of  all Lenders.  Nothing in this Agreement, expressed  or  implied,  shall  be
construed  to  confer  upon  any  Person  (other than the parties hereto, their
respective successors and assigns permitted hereby and, to the extent expressly
contemplated hereby, Affiliates of each of  the  Agents  and  the  Lenders) any
legal or equitable right, remedy or claim under or by reason of this Agreement.

             (b)    Register.  Company, Administrative Agent and Lenders  shall
deem and treat the Persons listed as Lenders in the Register as the holders and
owners  of  the  corresponding  Commitments  and  Loans  listed therein for all
purposes hereof, and no assignment or transfer of any such  Commitment  or Loan
shall  be  effective,  in  each  case, unless and until an Assignment Agreement
effecting the assignment or transfer  thereof  shall have been delivered to and
accepted by Administrative Agent and recorded in  the  Register  as provided in
Section 10.6(d), provided that, in the case of an assignment between  a  Lender
and  an  Affiliate  of  such Lender, such assignment shall be effective between
such Lender and its Affiliate  immediately  without registration thereof in the
Register, but shall not be effective between  Borrower, any Agent or any Lender
until so registered.  Prior to such recordation,  all amounts owed with respect
to the applicable Commitment or Loan shall be owed  to the Lender listed in the
Register as the owner thereof, and any request, authority  or  consent  of  any
Person  who,  at  the  time  of making such request or giving such authority or
consent, is listed in the Register  as a Lender shall be conclusive and binding
on  any  subsequent  holder,  assignee  or   transferee  of  the  corresponding
Commitments or Loans.

             (c)    Right to Assign.  Each Lender  shall  have the right at any
time to sell, assign or transfer all or a portion of its rights and obligations
under this Agreement, including, without limitation, all or  a  portion  of its
Commitment  or  Loans  owing to it or other Obligation to any Eligible Assignee
upon the giving of notice to Company and Administrative Agent, provided

                    (i)   each  such  assignment shall be of a uniform, and not
       varying, percentage of all rights  and  obligations under and in respect
                                        -146-
<PAGE>

       of any Loan and any related Commitments and shall not, without Company's
       consent, result in payment to such assignee under Sections 2.20(c), 2.21
       and 2.22 that would not have been made to the assigning Lender;

                    (ii)  any assignment to a Person  that  does  not  meet the
       requirements  of  clause  (i)  of  the  definition of the term "Eligible
       Assignee"  shall  require the prior written  consent  of  Administrative
       Agent  and,  so long  as  no  Event  of  Default  has  occurred  and  is
       continuing, Company,  in  each  case  not to be unreasonably withheld or
       delayed; and

                    (iii) each  assignment shall  require  the  payment  of  an
       assignment fee, payable by  a  party  other  than  Company, of $2,000 to
       Administrative Agent; provided however that such fee  shall not apply to
       the primary syndication of any of the Loans.

             (d)    Mechanics.   The assigning Lender and the assignee  thereof
shall  execute and deliver to Administrative  Agent  an  Assignment  Agreement,
together  with such forms, certificates or other evidence, if any, with respect
to United States  federal  income tax withholding matters as the assignee under
such Assignment Agreement may  be  required  to deliver to Administrative Agent
pursuant to Section 2.21(c).  Any assignment to a Person that does not meet the
requirements of clause (i) of the definition of  the  term "Eligible Assignee,"
shall  be in an aggregate amount of not less than $1,000,000  (or  such  lesser
amount as  may  be  agreed  by  Company  and  Administrative  Agent or as shall
constitute  the  aggregate  amount  of a Class of Loans or Commitments  of  the
assigning Lender).

             (e)    Notice of Assignment.   Upon its receipt of a duly executed
and  completed  Assignment Agreement, (and any  forms,  certificates  or  other
evidence required  by  this  Agreement in connection therewith), Administrative
Agent shall record the information  contained  in  such Assignment Agreement in
the Register, shall give prompt notice thereof to Company  and shall maintain a
copy of such Assignment Agreement.

             (f)    Representations and Warranties of Assignee.   Each  Lender,
upon  execution  and  delivery  hereof  or  upon  executing  and  delivering an
Assignment  Agreement,  as the case may be, represents and warrants as  of  its
Lender  Effective  Date that  (i) it  is  an  Eligible  Assignee;  (ii) it  has
experience and expertise in the making of or investing in commitments or  loans
such as the applicable  Commitments  or Loans, as the case may be; and (iii) it
will make or invest in, as the case may  be,  its  Commitments or Loans for its
own  account  in  the ordinary course of its business and  without  a  view  to
distribution of such  Commitments or Loans within the meaning of the Securities
Act or the Exchange Act  or  other federal securities laws (it being understood
that, subject to the provisions  of  this Section 10.6, the disposition of such
Commitments or Loans or any interests  therein shall at all times remain within
its exclusive control).
                                        -147-
<PAGE>

             (g)    Effect of Assignment.   Subject to the terms and conditions
of this Section 10.6, as of the "effective date"  specified  in  the applicable
Assignment  Agreement:  (i) the  assignee thereunder shall have the rights  and
obligations of a "Lender" hereunder  to  the extent such rights and obligations
hereunder have been assigned to it pursuant  to  such  Assignment Agreement and
shall  thereafter  be  a party hereto and a "Lender" for all  purposes  hereof;
(ii) the assigning Lender  thereunder  shall,  to  the  extent  that rights and
obligations  hereunder  have been assigned thereby pursuant to such  Assignment
Agreement, relinquish its  rights  (other  than  any  rights  which survive the
termination  hereof  under  Section 10.8) and be released from its  obligations
hereunder (and, in the case of  an  Assignment  Agreement  covering  all or the
remaining  portion  of  an assigning Lender's rights and obligations hereunder,
such Lender shall cease to  be a party hereto); provided, anything contained in
any of the Credit Documents to  the  contrary notwithstanding, (A) Issuing Bank
shall continue to have all rights and  obligations thereof with respect to such
Letters of Credit until the cancellation  or  expiration  of  such  Letters  of
Credit  and  the  reimbursement  of  any  amounts drawn thereunder and (B) such
assigning  Lender  shall  continue  to  be  entitled  to  the  benefit  of  all
indemnities hereunder as specified herein with  respect  to matters arising out
of  the  prior  involvement  of  such  assigning Lender as a Lender  hereunder;
(iii) the Commitments shall be modified  to  reflect  the  Commitment  of  such
assignee  and  any  Revolving  Commitment of such assigning Lender, if any; and
(iv) if any such assignment occurs  after  the  issuance of any Note hereunder,
the assigning Lender shall, upon the effectiveness  of  such  assignment  or as
promptly   thereafter   as  practicable,  surrender  its  applicable  Notes  to
Administrative Agent for  cancellation,  and  thereupon Company shall issue and
deliver new Notes, if so requested by the assignee  and/or assigning Lender, to
such assignee and/or to such assigning Lender, with appropriate  insertions, to
reflect the new Revolving Commitments and/or outstanding Loans of  the assignee
and/or the assigning Lender.

             (h)    Participations.   Each Lender shall have the right  at  any
time to sell, without notice to, or consent  of  the Company and Administrative
Agent one or more participations to any Person (other than Holdings, any of its
Subsidiaries or any of its Affiliates) in all or any  part  of its Commitments,
Loans or in any other Obligation.  The holder of any such participation,  other
than  an  Affiliate  of  the  Lender  granting such participation, shall not be
entitled to require such Lender to take  or  omit  to take any action hereunder
except  with  respect  to  any  amendment, modification or  waiver  that  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 Commitment
Termination  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, 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  Commitment  shall not constitute a change in the
terms of such participation, and that an increase  in  any  Commitment  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 any Credit Party of any of its rights and obligations
                                        -148-
<PAGE>

under  this  Agreement  or  (iii) release  all  or  substantially  all  of  the
Collateral under the Collateral Documents (except as  expressly provided in the
Credit Documents) supporting the Loans hereunder in which  such  participant is
participating.   The Company agrees that each participant shall be  entitled to
the  benefits  of Sections 2.20(c), 2.21 and 2.22 to the same extent as  if  it
were a Lender and had acquired its interest by assignment pursuant to paragraph
(c) of this Section;  provided,  (i) a  participant  shall  not  be entitled to
receive  any  greater  payment  under  Section 2.21 or 2.22 than the applicable
Lender would have been entitled to receive  with  respect  to the participation
sold  to  such  participant,  unless  the  sale  of the participation  to  such
participant is made with Company's prior written consent and (ii) a participant
that would be a Non-US Lender if it were a Lender  or would be a US Lender that
is not willing or able to execute a valid Form W-9 shall not be entitled to the
benefits of Section 2.22 unless Company is notified  of  the participation sold
to such participant and such participant agrees, for the benefit of Company, to
comply with Section 2.22 as though it were a Lender.  To the  extent  permitted
by law, each participant also shall be entitled to the benefits of Section 10.4
as  though it were a Lender, provided such Participant agrees to be subject  to
Section 2.18 as though it were a Lender.

                    (i)   Certain  Other Assignments.  In addition to any other
       assignment permitted pursuant  to  this Section 10.6, (i) any Lender may
       assign  and/or  pledge  all  or any portion  of  its  Loans,  the  other
       Obligations owed by or to such  Lender, and its Notes, if any, to secure
       obligations of such Lender including,  without  limitation,  any Federal
       Reserve  Bank  as  collateral  security pursuant to Regulation A of  the
       Board  of Governors of the Federal  Reserve  System  and  any  operating
       circular  issued  by  such Federal Reserve Bank; provided, no Lender, as
       between Company and such  Lender,  shall  be  relieved  of  any  of  its
       obligations hereunder as a result of any such assignment and pledge, and
       provided, further, in no event shall the applicable Federal Reserve Bank
       or  trustee be considered to be a "Lender" or be entitled to require the
       assigning Lender to take or omit to take any action hereunder.

       10.7. INDEPENDENCE OF COVENANTS

             .   All  covenants  hereunder shall be given independent effect so
that if a particular action or condition  is  not  permitted  by  any  of  such
covenants,  the  fact  that  it would be permitted by an exception to, or would
otherwise be within the limitations  of,  another  covenant shall not avoid the
occurrence  of  a Default or an Event of Default if such  action  is  taken  or
condition exists.

       10.8. SURVIVAL OF REPRESENTATIONS, WARRANTIES AND AGREEMENTS

             .  All  representations,  warranties  and  agreements  made herein
shall  survive  the execution and delivery hereof and the making of any  Credit
Extension.  Notwithstanding  anything herein or implied by law to the contrary,
the agreements of each Credit  Party set forth in Sections 2.20(c), 2.21, 2.22,
10.2, 10.3 and 10.4 and the agreements  of  Lenders  set forth in Sections 2.19
and  shall survive the payment of the Loans, the cancellation  or expiration of
the  Letters  of Credit and the reimbursement of any amounts drawn  thereunder,
and the termination hereof.
                                        -149-
<PAGE>

       10.9. NO WAIVER; REMEDIES CUMULATIVE

             .   No  failure or delay on the part of any Agent or any Lender in
the exercise of any power,  right  or  privilege  hereunder  or under any other
Credit Document shall impair such power, right or privilege or  be construed to
be  a  waiver of any default or acquiescence therein, nor shall any  single  or
partial  exercise  of  any  such  power,  right  or privilege preclude other or
further  exercise  thereof  or  of any other power, right  or  privilege.   The
rights, powers and remedies given  to  each  Agent  and  each Lender hereby are
cumulative and shall be in addition to and independent of  all  rights,  powers
and remedies existing by virtue of any statute or rule of law or in any of  the
other  Credit  Documents  or  any  of  the  Financial  Hedge  Agreements.   Any
forbearance  or  failure  to  exercise, and any delay in exercising, any right,
power or remedy hereunder shall  not  impair any such right, power or remedy or
be construed to be a waiver thereof, nor shall it preclude the further exercise
of any such right, power or remedy.

       10.10.MARSHALLING; PAYMENTS SET ASIDE

             .  Neither any Agent nor any  Lender shall be under any obligation
to marshal any assets in favor of any Credit  Party  or  any  other  Person  or
against or in payment of any or all of the Obligations.  To the extent that any
Credit Party makes a payment or payments to Administrative Agent or Lenders (or
to  Administrative  Agent,  on  behalf  of Lenders), or Administrative Agent or
Lenders enforce any security interests or  exercise their rights of setoff, and
such payment or payments or the proceeds of  such  enforcement or setoff or any
part  thereof  are  subsequently  invalidated, declared  to  be  fraudulent  or
preferential, set aside and/or required  to be repaid to a trustee, receiver or
any other party under any bankruptcy law,  any  other  state  or  federal  law,
common  law  or  any equitable cause, then, to the extent of such recovery, the
obligation or part  thereof originally intended to be satisfied, and all Liens,
rights and remedies therefor or related thereto, shall be revived and continued
in full force and effect  as  if  such payment or payments had not been made or
such enforcement or setoff had not occurred.

       10.11.SEVERABILITY

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

       10.12.OBLIGATIONS SEVERAL; INDEPENDENT NATURE OF LENDERS' RIGHTS

             .   The obligations of Lenders hereunder are several and no Lender
shall be responsible  for  the  obligations  or  Commitment of any other Lender
hereunder.  Nothing contained herein or in any other  Credit  Document,  and no
action  taken  by  Lenders  pursuant  hereto  or  thereto,  shall  be deemed to
constitute  Lenders  as a partnership, an association, a joint venture  or  any
other kind of entity.  The amounts payable at any time hereunder to each Lender
shall be a separate and  independent debt, and each Lender shall be entitled to
protect and enforce its rights arising out hereof and it shall not be necessary
for any other Lender to be  joined as an additional party in any proceeding for
such purpose.
                                        -150-
<PAGE>

       10.13.HEADINGS

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

       10.14.APPLICABLE LAW

             .  THIS AGREEMENT AND THE RIGHTS  AND  OBLIGATIONS  OF THE PARTIES
HEREUNDER  SHALL  BE  GOVERNED  BY,  AND  SHALL  BE  CONSTRUED AND ENFORCED  IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT  REGARD  TO CONFLICT
OF LAWS PRINCIPLES THEREOF.

       10.15.CONSENT TO JURISDICTION

             .   ALL  JUDICIAL  PROCEEDINGS  BROUGHT  AGAINST  ANY PARTY HERETO
ARISING OUT OF OR RELATING HERETO OR ANY OTHER CREDIT DOCUMENT,  OR  ANY OF THE
OBLIGATIONS,  MAY  BE  BROUGHT  IN  ANY  STATE  OR  FEDERAL  COURT OF COMPETENT
JURISDICTION  IN  THE  STATE,  COUNTY  AND CITY OF NEW YORK.  BY EXECUTING  AND
DELIVERING THIS AGREEMENT, EACH PARTY HERETO, FOR ITSELF AND IN CONNECTION WITH
ITS  PROPERTIES,  IRREVOCABLY (A) ACCEPTS  GENERALLY  AND  UNCONDITIONALLY  THE
NONEXCLUSIVE JURISDICTION  AND  VENUE OF SUCH COURTS; (B) WAIVES ANY DEFENSE OF
FORUM NON CONVENIENS; (C) AGREES  THAT  SERVICE  OF  ALL  PROCESS  IN  ANY SUCH
PROCEEDING  IN  ANY  SUCH  COURT  MAY  BE MADE BY REGISTERED OR CERTIFIED MAIL,
RETURN  RECEIPT  REQUESTED,  TO THE APPLICABLE  CREDIT  PARTY  AT  ITS  ADDRESS
PROVIDED IN ACCORDANCE WITH SECTION 10.1;(D) AGREES THAT SERVICE AS PROVIDED IN
CLAUSE  (C)  ABOVE  IS  SUFFICIENT  TO CONFER PERSONAL  JURISDICTION  OVER  THE
APPLICABLE CREDIT PARTY IN ANY SUCH PROCEEDING IN ANY SUCH COURT, AND OTHERWISE
CONSTITUTES EFFECTIVE AND BINDING SERVICE  IN  EVERY  RESPECT;  AND  (E) AGREES
AGENTS  AND  LENDERS  RETAIN  THE  RIGHT  TO  SERVE PROCESS IN ANY OTHER MANNER
PERMITTED BY LAW OR TO BRING PROCEEDINGS AGAINST ANY CREDIT PARTY IN THE COURTS
OF ANY OTHER JURISDICTION.

       10.16.WAIVER OF JURY TRIAL

             .   EACH  OF  THE  PARTIES  HERETO  HEREBY  AGREES  TO  WAIVE  ITS
RESPECTIVE RIGHTS TO A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR
ARISING HEREUNDER OR UNDER ANY OF THE OTHER CREDIT  DOCUMENTS  OR  ANY DEALINGS
BETWEEN  THEM  RELATING TO THE SUBJECT MATTER OF THIS LOAN TRANSACTION  OR  THE
LENDER/COMPANY RELATIONSHIP  THAT  IS  BEING  ESTABLISHED.   THE  SCOPE OF THIS
WAIVER IS INTENDED TO BE ALL-ENCOMPASSING OF ANY AND ALL DISPUTES THAT  MAY  BE
FILED  IN  ANY COURT AND THAT RELATE TO THE SUBJECT MATTER OF THIS TRANSACTION,
INCLUDING CONTRACT  CLAIMS,  TORT  CLAIMS,  BREACH OF DUTY CLAIMS AND ALL OTHER
COMMON  LAW AND STATUTORY CLAIMS.  EACH PARTY  HERETO  ACKNOWLEDGES  THAT  THIS
                                        -151-
<PAGE>

WAIVER IS  A  MATERIAL  INDUCEMENT  TO ENTER INTO A BUSINESS RELATIONSHIP, THAT
EACH HAS ALREADY RELIED ON THIS WAIVER  IN  ENTERING  INTO  THIS AGREEMENT, AND
THAT EACH WILL CONTINUE TO RELY ON THIS WAIVER IN ITS RELATED  FUTURE DEALINGS.
EACH  PARTY  HERETO  FURTHER WARRANTS AND REPRESENTS THAT IT HAS REVIEWED  THIS
WAIVER WITH ITS LEGAL  COUNSEL AND THAT IT KNOWINGLY AND VOLUNTARILY WAIVES ITS
JURY TRIAL RIGHTS FOLLOWING  CONSULTATION  WITH  LEGAL COUNSEL.  THIS WAIVER IS
IRREVOCABLE, MEANING THAT IT MAY NOT BE MODIFIED EITHER  ORALLY  OR  IN WRITING
(OTHER  THAN BY A MUTUAL WRITTEN WAIVER SPECIFICALLY REFERRING TO THIS  SECTION
10.16 AND EXECUTED BY EACH OF THE PARTIES HERETO), AND THIS WAIVER SHALL APPLY
TO ANY SUBSEQUENT  AMENDMENTS, RENEWALS, SUPPLEMENTS OR MODIFICATIONS HERETO OR
ANY OF THE OTHER CREDIT  DOCUMENTS OR TO ANY OTHER DOCUMENTS OR AGREEMENTS
RELATING TO THE LOANS MADE HEREUNDER.   IN  THE  EVENT OF LITIGATION, THIS
AGREEMENT MAY BE FILED AS A WRITTEN CONSENT TO A TRIAL BY THE COURT.

       10.17.CONFIDENTIALITY

             .  Each Lender shall hold  all  non-public  information  regarding
Holdings  and  Company  and  their  business  identified as such by Company and
obtained by such Lender pursuant to the requirements hereof  in accordance with
such  Lender's customary procedures for handling  confidential  information  of
such nature,  it  being  understood and agreed by Holdings and Company that, in
any event, a Lender may make  (i) disclosures of such information to Affiliates
of  such  Lender  and  to their agents  and  advisors  (and  to  other  persons
authorized by a Lender or  Agent  to  organize,  present  or  disseminate  such
information  in  connection  with disclosures otherwise made in accordance with
this Section 10.17), (ii) disclosures of such information reasonably required
by any bona fide or potential assignee,  transferee  or participant in
connection with the contemplated assignment, transfer or participation  by such
Lender of any Loans  or  any  participations therein or by any direct or
indirect contractual counterparties (or  the  professional  advisors  thereto)
in  Financial  Hedge Agreements (provided, such assignees, transferees,
participants, counterparties and  advisors  are  advised  of and agree to be
bound by the provisions of this Section 10.17), (iii) disclosure  to  any
rating  agency  when required by it, provided,  prior  to  any  disclosure,
such rating agency shall  undertake  in writing  to  preserve  the
confidentiality  of  any  confidential  information relating to the Credit
Parties received by it  from  any  of  the Agents or any Lender,  and  (iv)
required  or  requested  by  any  governmental  agency  or representative
thereof or by the NAIC or pursuant to legal or judicial process; provided,
unless specifically prohibited by applicable law or court order, each
Lender  shall make reasonable efforts to notify Company of any request  by  any
governmental  agency  or representative thereof (other than any such request in
connection with any examination  of  the  financial  condition or other routine
examination of such Lender by such governmental agency)  for  disclosure of any
                                        -152-
<PAGE>

such   non-public   information   prior  to  disclosure  of  such  information.
Notwithstanding anything to the contrary set forth herein, each party (and each
of their respective employees, representatives or other agents) may disclose to
any and all persons, without limitations of any kind, the tax treatment and tax
structure of the transactions contemplated  by this Agreement and all materials
of any kind (including without limitation, opinions  and  other  tax  analyses)
that  are  provided  to  any such party relating to such tax treatment and  tax
structure.  However, any information  relating  to  the  tax  treatment  or tax
structure  shall  remain  subject to the confidentiality provisions hereof (and
the foregoing sentence shall  not  apply) to the extent reasonably necessary to
enable the parties hereto, their respective  Affiliates,  and  their  and their
respective  Affiliates'  directors  and  employees  to  comply  with applicable
securities laws.  For this purpose, "tax structure" means any facts relevant to
the  federal  income  tax  treatment of the transactions contemplated  by  this
Agreement but does not include  information  relating to the identity of any of
the parties hereto or any of their respective Affiliates.

       10.18.USURY SAVINGS CLAUSE

             .   Notwithstanding  any  other provision  herein,  the  aggregate
interest rate charged with respect to any  of  the  Obligations,  including all
charges or fees in connection therewith deemed in the nature of interest  under
applicable  law  shall  not  exceed  the  Highest  Lawful Rate.  If the rate of
interest  (determined  without  regard to the preceding  sentence)  under  this
Agreement at any time exceeds the  Highest  Lawful Rate, the outstanding amount
of the Loans made hereunder shall bear interest  at  the  Highest  Lawful  Rate
until  the total amount of interest due hereunder equals the amount of interest
which would  have  been due hereunder if the stated rates of interest set forth
in this Agreement had  at  all  times been in effect.  In addition, if when the
Loans  made hereunder are repaid in  full  the  total  interest  due  hereunder
(taking  into  account  the increase provided for above) is less than the total
amount of interest which  would  have been due hereunder if the stated rates of
interest set forth in this Agreement  had  at all times been in effect, then to
the  extent  permitted by law, Company shall pay  to  Administrative  Agent  an
amount equal to  the  difference  between  the  amount of interest paid and the
amount of interest which would have been paid if the Highest Lawful Rate had at
all times been in effect.  Notwithstanding the foregoing,  it  is the intention
of  Lenders  and  Company  to  conform  strictly to any applicable usury  laws.
Accordingly,  if  any  Lender  contracts  for,   charges,   or   receives   any
consideration  which constitutes interest in excess of the Highest Lawful Rate,
then any such excess  shall be cancelled automatically and, if previously paid,
shall at such Lender's option be applied to the outstanding amount of the Loans
made hereunder or be refunded to Company.
                                        -153-
<PAGE>

 LA\1431665.15

<PAGE>

                                                                   APPENDIX A-1
                                TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT

                   2004 EFFECTIVE DATE TERM LOAN COMMITMENTS

<TABLE>
<CAPTION>
JPMorgan Chase Bank, N.A.                              $162,764,542.59
<S>                                                     <C>
Goldman Sachs Credit Partners L.P.                     $91,474,863.54
Natexis Banques Populaires                             $6,609,292.61
PPM Spyglass Funding Trust                             $6,301,885.53
Canadian Imperial Bank of Commerce                     $5,636,568.36
Merrill Lynch Capital                                  $4,832,553.98
Loan Funding IV LLC                                    $4,725,109.37
PPM Shadow Creek Funding LLC                           $4,358,489.66
Emerald Orchard Limited                                $3,912,272.73
ING Prime Rate Trust                                   $3,834,944.32
Dryden V Leveraged Loan CDO 2003                       $3,776,738.64
CSAM Funding I                                         $3,752,835.23
The Royal Bank of Scotland                             $3,000,000.00
Atrium II                                              $2,956,136.36
ING Senior Income Fund                                 $2,888,369.32
First Dominion Funding II                              $2,868,409.09
Webster Bank, National Association                     $2,832,553.98
Winged  Foot Funding Trust                             $2,832,553.98
Dryden Leveraged Loan CDO 2002-II                      $2,832,553.98
Dryden III-Leveraged Loan CDO 2002                     $2,832,553.98
Avery Point CLO, Ltd                                   $2,434,204.55
Race Point II CLO, Limited                             $2,434,204.55
Centurion CDO VII, Ltd.                                $2,346,095.46
Columbia Floating Rate Fund LLC                        $2,000,000.00
Four Corners Senior Floating Rate Income Fund          $1,912,272.73
Mountain Capital CLO I Ltd                             $1,912,272.73
Venture III CDO                                        $1,912,272.73
CSAM Funding II                                        $1,912,272.73
Carlyle High Yield Partners IV, Ltd                    $1,890,759.57
Carlyle Loan Opportunity Fund                          $1,890,759.56
Harbour Town Funding, LLC                              $1,888,369.32
Race Point CLO, Limited                                $1,888,369.32
Castle Hill I - Ingots Ltd                             $1,888,369.32
Great Point CLO 1999 - 1 Ltd                           $1,888,369.32
Castle Hill III CLO, Ltd                               $1,883,636.57
Toronto Dominion (New York)                            $1,874,099.51
Jupiter Loan Funding LLC                               $1,416,276.99
Highland Loan Funding V Ltd                            $956,136.36
ELF Funding Trust I                                    $956,136.36
                                Appendix A-1-1
<PAGE>

Gleneagles Trading LLC                                 $956,136.36
Seminole Funding LLC                                   $956,136.36
Castle Hill II - Ignots, Ltd                           $946,551.04
Long Lane Master Trust IV                              $944,184.66
Sequils - Pilgrim I, Ltd                               $941,794.32
Oasis Collateralized High Income Fund Porfolios-1, Ltd.$472,092.33
</TABLE>

                                Appendix A-1-2

 LA\1431665.15

<PAGE>

                                                                   APPENDIX A-2

                                TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT

                           NEW TERM LOAN COMMITMENTS

<TABLE>
<CAPTION>
Goldman Sachs Credit Partners L.P.$465,051,437.50
<S>                                <C>
</TABLE>

                                Appendix A-2-1
 LA\1431665.15

<PAGE>

                                                                   APPENDIX A-3

                                TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT

                             REVOLVING COMMITMENTS

<TABLE>
<CAPTION>
Goldman Sachs Credit Partners L.P.                                                            $23,500,000
<S>                                                                                            <C>
JPMorgan Chase Bank, N.A.                                                                     $11,000,000
Deutsche Bank Trust Company Americas                                                          $10,000,000
General Electric Capital Corporation                                                          $25,000,000
Bank of America, N.A.                                                                         $12,000,000
Webster Bank, National Association                                                            $5,000,000
The Royal Bank of Scotland plc                                                                $22,000,000
Merrill Lynch Capital                                                                         $8,000,000
Fifth Third Bank                                                                              $10,000,000
Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A.,
"Rabobank International" New York Branch                                                      $17,500,000
CIT Lending Services Corporation                                                              $6,000,000
</TABLE>

                                 Appendix A-3-1
 LA\1431665.15

<PAGE>

                                                                     APPENDIX B

                                TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT

                               NOTICE ADDRESSES

<TABLE>
<CAPTION>
BERRY PLASTICS CORPORATION
<S>      <C>
    101 Oakley St.
    Evansville, IN 47710
    Attention:  James M. Kratochvil
    Telecopier:  (812) 424-0128

BPC HOLDING CORPORATION
    101 Oakley St.
    Evansville, IN 47710
    Attention:  James M. Kratochvil
    Telecopier:  (812) 424-0128
</TABLE>

                                 Appendix B-1

 LA\1431665.15

<PAGE>

<TABLE>
<CAPTION>
GOLDMAN SACHS CREDIT PARTNERS L.P.,
as a Co-Lead Arranger, Co-Syndication Agent, Joint Bookrunner and a Lender
<S>        <C>
    Goldman Sachs Credit Partners L.P.
    85 Broad Street
    New York, New York  10004
    Attention:  Rob Schatzman
    Telecopier:  (212) 902-3000

with a copy to:
    Goldman Sachs Credit Partners L.P.
    30 Hudson Street
    Jersey City, New Jersey 07302
    Attention:  Pedro Ramirez
    Telecopier:  (212) 428-1622

JPMORGAN CHASE BANK, N.A.
as a Co-Lead Arranger, Co-Syndication Agent, Joint Bookrunner and a Lender
    JP Morgan Chase Bank
    270 Park Avenue, 4th Fl.
    New York, NY 10017
    Attention: Stacey Haimes
    Telecopier: (212) 270-5100
</TABLE>

                                 Appendix B-2

 LA\1431665.15

<PAGE>

<TABLE>
<CAPTION>
DEUTSCHE BANK TRUST COMPANY AMERICAS
as Administrative Agent, Collateral Agent, an Issuing Bank, Swing Line Lender and a Lender
<S>               <C>
With respect to credit issues, in its capacity as Administrative Agent, in its capacity as Collateral Agent
and for portfolio management related issues:
    Deutsche Bank Trust Company Americas
    222 S. Riverside Plaza
    MS CH105-2900
    Chicago, IL 60606
    Attention:  Linda L. Stahauk
    Telecopier:  (312) 537-1322

and with respect to notices for borrowing and operational activities:
    Deutsche Bank Trust Company Americas
    90 Hudson Street, 5th Floor
    Jersey City, NJ  07302
    Attention:  Office of the Administrative Agent
    Telecopier:  (201) 593-2308
FLEET NATIONAL BANK
as an Issuing Bank
    Bank of America
    Mail Code: PA6-580-02-30
    1 Fleet Way
    Scranton, PA 18507
    Attention: Michael Grizzanti
    Telecopier: (800) 755-8743
</TABLE>

                                 Appendix B-3

 LA\1431665.15

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