Document:

<PAGE>
                                                                   EXHIBIT 10.13

                      SECOND AMENDMENT TO CREDIT AGREEMENT
                              AND CREDIT DOCUMENTS

                                      among

                      ORTHODONTIC CENTERS OF AMERICA, INC.
                        and certain subsidiaries thereof,

                            THE LENDERS NAMED HEREIN,

                           FIRST UNION NATIONAL BANK,
                  as Administrative Agent and Collateral Agent,

                              BANK OF AMERICA, N.A.
                             as Documentation Agent,

                                       and

                                 BANK ONE, N.A.,
                              as Syndication Agent

                  $100,000,000 Senior Revolving Credit Facility

                                  Co-Arrangers:
                               WACHOVIA SECURITIES
                                       and
                         BANC OF AMERICA SECURITIES LLC

                          Dated as of November 9, 2001
<PAGE>
                      SECOND AMENDMENT TO CREDIT AGREEMENT
                              AND CREDIT DOCUMENTS

      THIS SECOND AMENDMENT TO CREDIT AGREEMENT AND CREDIT DOCUMENTS, dated as
of the 9th day of November, 2001 (this "Amendment"), is made among ORTHODONTIC
CENTERS OF AMERICA, INC., a Delaware corporation with its principal offices in
Metairie, Louisiana ("OCA"), the Subsidiaries of OCA listed on the signature
pages hereto, the Required Lenders (as defined in the Credit Agreement referred
to below), and FIRST UNION NATIONAL BANK, as administrative agent for the
Lenders (in such capacity, the "Administrative Agent") and as Collateral Agent
(as hereinafter defined), BANK OF AMERICA, N.A., as Documentation Agent (in such
capacity, the "Documentation Agent"), and BANK ONE, N.A., as Syndication Agent
(in such capacity, the "Syndication Agent").

                                    RECITALS

      A. OCA, certain banks and other financial institutions, the Administrative
Agent, the Documentation Agent and the Syndication Agent are parties to a Credit
Agreement, dated as of October 8, 1998, as amended by a First Amendment to
Credit Agreement and Credit Documents, dated as of February 17, 2000 (as
amended, the "Credit Agreement"), providing for the availability of certain
credit facilities to OCA and certain other borrowers from time to time parties
thereto upon the terms and conditions set forth therein. Capitalized terms used
herein without definition shall have the meanings given to them in the Credit
Agreement.

      B. OCA, OCA Acquisition Corporation, a Delaware corporation and a Wholly
Owned Subsidiary of OCA ("OCA Merger Sub"), and OrthAlliance, Inc., a Delaware
corporation ("OrthAlliance"), have entered into an Agreement and Plan of Merger,
dated as of May 16, 2001 (as amended, modified or supplemented from time to time
in accordance with the terms of this Amendment, the "OrthAlliance Merger
Agreement"), pursuant to which OCA Merger Sub will merge with and into
OrthAlliance subject to the terms and conditions set forth therein (the
"OrthAlliance Acquisition"). OCA has requested that the OrthAlliance Acquisition
be approved as a Permitted Acquisition, and in connection with and as a
condition to the consummation of the OrthAlliance Acquisition OCA has also
requested certain amendments to the Credit Agreement. The Required Lenders have
agreed to grant such approval and make such amendments upon the terms and
conditions set forth herein.

                             STATEMENT OF AGREEMENT

      NOW, THEREFORE, in consideration of the foregoing and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

      1. Amendments to Credit Agreement.

      1.1 Amended or Deleted Defined Terms.

      (a) The definition of "Adjusted Consolidated Indebtedness" in Section 1.1
of the Credit Agreement is hereby amended and restated in its entirety as
follows:

            " `Adjusted Consolidated Indebtedness' shall mean, as of any date,
      the sum of (i) Consolidated Indebtedness as of such date and (ii) the
      product of (A) Consolidated Lease Expense for the period of four
      consecutive fiscal quarters then ending and (B) eight (8)."

      (b) The definition of "Annualized Consolidated Cash Flow" in Section 1.1
of the Credit Agreement is hereby deleted in its entirety.

      (c) The definition of "Agent" in Section 1.1 of the Credit Agreement is
hereby amended and restated in its entirety (and moved to its new proper
alphabetic place) as follows:
<PAGE>
            " `Administrative Agent' shall mean First Union, in its capacity as
      Administrative Agent appointed under ARTICLE X, and its successors and
      permitted assigns in such capacity."

      (d) The definition of "Applicable Margin Percentage" in Section 1.1 of the
Credit Agreement is hereby amended and restated in its entirety as follows:

            " `Applicable Margin Percentage' shall mean, at any time, except as
      set forth in the last paragraph of this definition, the applicable
      percentage (a) to be added to the Base Rate pursuant to SECTION 2.8 for
      purposes of determining the Adjusted Base Rate, (b) to be added to the
      IBOR Rate pursuant to SECTION 2.8 for purposes of determining the Adjusted
      IBOR Rate, (c) to be added to the LIBOR Rate pursuant to SECTION 2.8 for
      purposes of determining the Adjusted LIBOR Rate, and (d) to be used in
      calculating the commitment fee payable pursuant to SECTION 2.9(b), in each
      case as determined under the following matrix (the `Pricing Matrix') with
      reference to the Leverage Ratio:

<TABLE>
<CAPTION>
                                            Applicable
                                              Margin
                            Applicable    Percentage for    Applicable
                              Margin         Foreign          Margin
 Tier   Leverage Ratio    Percentage for  Currency Loans    Percentage
                            Base Rate          and              for
                              Loans        LIBOR Loans      Commitment Fee
<S>     <C>               <C>             <C>               <C>
  I      Greater than
          or equal to         1.750%          2.750%          0.500%
          2.75 to 1.0

  II     Greater than
          or equal to
        2.5 to 1.0 but        1.500%          2.500%          0.500%
        less than 2.75
            to 1.0

 III     Greater than
          or equal to
        2.0 to 1.0 but        1.250%          2.250%          0.500%
         less than 2.5
            to 1.0

  IV     Less than 2.0        1.000%          2.000%          0.500%
            to 1.0
</TABLE>

            On each Adjustment Date (as hereinafter defined), the Applicable
      Margin Percentage for all Loans and the commitment fee payable pursuant to
      SECTION 2.9(b) shall be adjusted effective as of such date (based upon the
      calculation of the Leverage Ratio as of the last day of the fiscal period
      to which such Adjustment Date relates) in accordance with the Pricing
      Matrix; provided, however, that, notwithstanding the foregoing or anything
      else herein to the contrary, if at any time OCA shall have failed to
      deliver the financial statements and a Compliance Certificate as required
      by SECTION 6.1(a) or SECTION 6.1(b), as the case may be, and SECTION
      6.2(a), then at all times from and including the fifteenth (15th) day
      following the date on which such statements and Compliance Certificate are
      required to have been delivered, if not delivered prior thereto (or, if
      earlier, the date on which the Administrative Agent shall have notified
      the Lenders that such statements and Compliance Certificate have not been
      delivered when due, if not delivered prior to the date such notice is
      given) to the date on which the same shall have been delivered, each
      Applicable Margin Percentage shall be as set forth with respect to Tier I
      of the Pricing Matrix (notwithstanding the actual Leverage Ratio). For
      purposes of this definition, `Adjustment Date' shall mean, with respect to
      any fiscal period of OCA beginning with the period ending December 31,
      2001, the tenth (10th) day (or, if such day is not a Business Day, on the
      next succeeding Business Day) after delivery by OCA in accordance with
      SECTION 6.1(a) or SECTION 6.1(b), as the case may be, of (i) financial
      statements as of the end of and for such fiscal period and (ii) a duly
      completed Compliance Certificate with respect to such fiscal period.

                                       2
<PAGE>
            Notwithstanding the foregoing provisions of this definition or any
      other provision of this Agreement, (i) from and after November 13, 2001
      until the Bridge Loan Termination Date, the Applicable Margin Percentages
      shall be determined in accordance with the foregoing provisions of this
      definition, but shall not, in any event (regardless of the actual Leverage
      Ratio), be lower than as set forth with respect to Tier III of the Pricing
      Matrix (and from and after November 13, 2001 until the first Adjustment
      Date occurring after the Second Amendment Effective Date, the Applicable
      Margin Percentages shall be as set forth with respect to Tier III of the
      Pricing Matrix), and (ii) until the Bridge Loan Termination Date, the
      Applicable Margin Percentage for Base Rate Loans and the Applicable Margin
      Percentage for Foreign Currency Loans and LIBOR Loans shall be
      automatically increased by an amount equal to one-half of one percentage
      point (0.5%) on the 180th day after the Second Amendment Effective Date
      and on each successive 90th day occurring thereafter until the Bridge Loan
      Termination Date. For example, if on the 180th day after the Second
      Amendment Effective Date the Applicable Margin Percentages were as set
      forth with respect to Tier III of the Pricing Matrix (and assuming that
      the Bridge Loan Termination Date had not yet occurred), then after giving
      effect to the increase provided for in clause (ii) of the preceding
      sentence, the Applicable Margin Percentage for Base Rate Loans would be
      1.75% and the Applicable Margin Percentage for Foreign Currency Loans and
      LIBOR Loans would be 2.75%. From and after the Bridge Loan Termination
      Date, the Applicable Margin Percentages shall be as specified in the
      pricing matrix set forth above, determined in accordance with the
      provisions of this definition but without regard to the preceding
      provisions of this paragraph."

      (e) The definition of "Arranger" in Section 1.1 of the Credit Agreement is
hereby deleted in its entirety.

      (f) The definition of "Asset Disposition" in Section 1.1 of the Credit
Agreement is hereby amended by adding the words "that is a Subsidiary Guarantor"
immediately after the words "Wholly Owned Subsidiary" in the parenthetical in
the second line thereof.

      (g) The definition of "Consolidated Cash Flow" in Section 1.1 of the
Credit Agreement is hereby amended and restated in its entirety as follows:

            " `Consolidated Cash Flow' shall mean, for any period, the aggregate
      of (i) Consolidated Net Income for such period, plus (ii) the sum of
      Consolidated Interest Expense, federal, state, local and other income
      taxes, depreciation, amortization of intangible assets and Consolidated
      Lease Expense, all for such period, plus (iii) up to $10,000,000 during
      any single fiscal year (beginning with the fiscal year ending December 31,
      2002) in extraordinary or nonrecurring noncash losses, expenses or charges
      (including in connection with the acquisition, purchase, sale or writedown
      of assets) reducing income for such period, plus (iv) extraordinary or
      nonrecurring losses, expenses or charges taken during such period in
      connection with the OrthAlliance Acquisition, minus (v) the sum of
      extraordinary or nonrecurring gains (including in connection with the sale
      or write-up of assets) and other noncash credits increasing income for
      such period, in each case under clauses (ii) through (v) above to the
      extent taken into account in the calculation of Consolidated Net Income
      for such period; provided that (a) the maximum amount of losses, expenses
      and charges taken in connection with the OrthAlliance Acquisition and
      included (i.e., added back) in the calculation of Consolidated Cash Flow
      pursuant to clause (iv) above, in the aggregate for all periods (but
      without duplication of amounts included in multiple periods), shall be
      $45,000,000 for all such items that are noncash items and $9,000,000 for
      all such items that are cash items; (b) no losses, expenses or charges
      (whether cash or noncash) in connection with the OrthAlliance Acquisition
      may be taken at any time after September 30, 2002; and (c) any cash
      expenses in respect of any noncash losses, expenses or charges included in
      the calculation of Consolidated Cash Flow pursuant to clauses (iii) or
      (iv) above shall be included (i.e., deducted) in the calculation of
      Consolidated Cash Flow for the period in which expended."

      (h) The definition of "Consolidated Interest Expense" in Section 1.1 of
the Credit Agreement is hereby amended by deleting the words "and the fees
provided for under the Fee Letter" from the parenthetical in

                                       3
<PAGE>
clause (iii) thereof and substituting in replacement thereof the words "and the
annual administrative agency fee provided for under the Fee Letter."

      (i) The definition of "Credit Documents" in Section 1.1 of the Credit
Agreement is hereby amended and restated in its entirety as follows:

            " `Credit Documents' shall mean this Agreement, the Notes, the
      Letters of Credit, the Fee Letter, the Pledge Agreements, the
      Intercreditor Agreement, the Subsidiary Guaranty, the Intercompany Notes,
      and all other agreements, instruments, documents and certificates now or
      hereafter executed and delivered to the Administrative Agent, the
      Collateral Agent or any Lender by or on behalf of OCA or any of its
      Subsidiaries with respect to this Agreement and the transactions
      contemplated hereby, in each case as amended, modified, supplemented or
      restated from time to time, but specifically excluding any Hedge Agreement
      to which OCA and any Lender or Affiliate of any Lender are parties."

      (j) The definition of "Debt Issuance" in Section 1.1 of the Credit
Agreement is hereby amended and restated in its entirety as follows:

            " `Debt Issuance' shall mean the issuance, incurrence or sale by OCA
      or any of its Subsidiaries of any debt securities or other Indebtedness,
      whether in a public offering of such securities or otherwise, other than
      (i) any Indebtedness expressly permitted under SECTION 8.2 (provided,
      however, that the term `Debt Issuance' shall include any Excess Permitted
      Senior Notes, but shall not include other Permitted Senior Notes) and (ii)
      any other Indebtedness to the extent the Net Cash Proceeds thereof are
      applied to repay the outstanding Bridge Loan Obligations (it being
      understood that the issuance, incurrence or sale of any such Indebtedness
      must be approved by the Required Lenders in accordance with the terms of
      this Agreement if not expressly permitted under SECTION 8.2)."

      (k) The definition of "Equity Issuance" in Section 1.1 of the Credit
Agreement is hereby amended by (i) deleting the word "or" from the end of clause
(ii) thereof, (ii) adding the words ", director or Managed Practice" immediately
after the word "employee" in clause (iii) thereof, (iii) adding a comma to the
end of clause (iii) thereof in place of the period and adding the word "or"
immediately thereafter and (iv) adding a new clause (iv) thereof as follows
immediately after such comma:

            "(iv) the issuance or sale of Capital Stock of OCA to the extent the
Net Cash Proceeds thereof are applied to repay the outstanding Bridge Loan
Obligations."

      (l) The definition of "Fixed Charge Coverage Ratio" in Section 1.1 of the
Credit Agreement is hereby amended and restated in its entirety as follows:

            " `Fixed Charge Coverage Ratio' shall mean, as of the last day of
      any fiscal quarter, the ratio of (i) Consolidated Cash Flow for the period
      of four consecutive fiscal quarters then ending to (ii) Consolidated Fixed
      Charges for such period of four consecutive fiscal quarters."

      (m) The definition of "Foreign Currency Sublimit" in Section 1.1 of the
Credit Agreement is hereby amended by deleting the number "$16,000,000" therein
and substituting in replacement thereof the number "$20,000,000."

      (n) The definition of "Funded Debt" in Section 1.1 of the Credit Agreement
is hereby amended by adding the following at the end thereof immediately after
the period:

            "Notwithstanding the foregoing, the Loans and the Bridge Loans shall
at all times constitute Funded Debt of OCA."

                                       4
<PAGE>
      (o) The definition of "Governmental Authority" in Section 1.1 of the
Credit Agreement is hereby amended by adding the words "(including, without
limitation, any state dental board)" after the word "government" and immediately
before the comma in the fourth line thereof.

      (p) The definition of "Inactive Subsidiary" in Section 1.1 of the Credit
Agreement is hereby amended and restated in its entirety as follows:

            " `Inactive Subsidiary' shall mean any Subsidiary of OCA (i) the
      Capital Stock of which is or has been acquired by OCA or any of its
      Subsidiaries from individuals who enter into a Service Agreement in the
      ordinary course of OCA's or its Subsidiaries' acquisition program, (ii)
      the total assets of which do not exceed, on a book value basis, $25,000 at
      any one time, and (iii) that has no active or customer revenue and which
      does not conduct any active trade or business; provided, however, that in
      no event shall a Subsidiary that is a guarantor of the Bridge Loans or the
      Permitted Senior Notes be an Inactive Subsidiary."

      (q) The definition of "Indebtedness" in Section 1.1 of the Credit
Agreement is hereby amended by (a) deleting the word "and" from the end of
clause (ix) thereof, (b) renumbering clause (x) thereof as clause (xii) and
changing the words "clauses (i) through (ix) above" in such clause to "clauses
(i) through (xi) above," and (c) adding a new clause (x) and a new clause (xi)
thereof as follows:

            "(x) all obligations and liabilities of such Person incurred in
      connection with any transaction or series of transactions providing for
      the financing of assets through one or more securitizations or in
      connection with, or pursuant to, any synthetic lease or similar
      off-balance sheet financing, (xi) the aggregate amount of uncollected
      accounts receivable of such Person subject at the time of determination to
      a sale of receivables (or similar transaction) to the extent such
      transaction is effected with recourse to such Person (whether or not such
      transaction would be reflected on the balance sheet of such Person in
      accordance with GAAP), and"

      (r) The definition of "Indebtedness" in Section 1.1 of the Credit
Agreement is hereby further amended by adding the following at the end thereof
immediately after the period:

            "For purposes of compliance with the financial covenants set forth
      in ARTICLE VII, the `amount' or `principal amount' of Indebtedness, at any
      time of determination, represented by any Indebtedness originally issued
      at a premium or discount (including, if applicable, the Permitted Senior
      Notes) shall be the amount of the liability in respect thereof determined
      in accordance with GAAP."

      (s) The definition of "Leverage Ratio" in Section 1.1 of the Credit
Agreement is hereby amended and restated in its entirety as follows:

            " `Leverage Ratio' shall mean, as of any date, the ratio of (i)
      Adjusted Consolidated Indebtedness as of such date to (ii) Consolidated
      Cash Flow as of the last day of the period of four consecutive fiscal
      quarters then most recently ended."

      (t) The definition of "Managed Practice" in Section 1.1 of the Credit
Agreement is hereby amended and restated in its entirety as follows:

            " `Managed Practice' shall mean any dentist, orthodontist,
      professional association, professional corporation, partnership or similar
      Person for whose practice OCA or any of its Subsidiaries provides
      business, management, administrative or other non-clinical support
      services pursuant to a Service Agreement."

      (u) The definition of "Material Adverse Effect" in Section 1.1 of the
Credit Agreement is hereby amended and restated in its entirety as follows:

                                       5
<PAGE>
            " `Material Adverse Effect' shall mean (i) a material adverse effect
      upon the condition (financial or otherwise), operations, business,
      performance, properties or assets of OCA and its Subsidiaries, taken as a
      whole, (ii) a material adverse effect upon the ability of OCA and its
      Subsidiaries, taken as a whole, to perform their obligations under this
      Agreement or any of the other Credit Documents to which it is a party or
      (iii) a material adverse effect upon the legality, validity or
      enforceability of this Agreement or any of the other Credit Documents or
      the rights and remedies of the Administrative Agent, the Collateral Agent
      and the Lenders hereunder and thereunder."

      (v) The definition of "OCA Pledge Agreement" in Section 1.1 of the Credit
Agreement is hereby amended and restated in its entirety as follows:

            " `OCA Pledge Agreement' shall mean an amended and restated pledge
      agreement made by OCA and the Subsidiaries party thereto in favor of the
      Collateral Agent, in substantially the form of EXHIBIT A to the Second
      Amendment, as further amended, modified, supplemented or restated from
      time to time."

      (w) The definition of "Obligations" in Section 1.1 of the Credit Agreement
is hereby amended and restated in its entirety as follows:

            " `Obligations' shall mean all principal of and interest (including,
      to the greatest extent permitted by law, post-petition interest) on the
      Loans, all Reimbursement Obligations and all fees, expenses, indemnities
      and other obligations owing, due or payable at any time by any Borrower to
      the Administrative Agent, the Collateral Agent, any Lender, the Issuing
      Lender or any other Person entitled thereto, under this Agreement or any
      of the other Credit Documents, and all payment and other obligations owing
      or payable at any time by OCA to any Lender or any Affiliate of any Lender
      under or in connection with any Hedge Agreement required or permitted by
      this Agreement."

      (x) The definition of "Pledge Agreement" in Section 1.1 of the Credit
Agreement is hereby amended and restated in its entirety as follows:

            " `Pledge Agreement' shall mean (i) the OCA Pledge Agreement and
      (ii) each other pledge agreement made by OCA or any Subsidiary with
      respect to the pledge of Capital Stock of any other Subsidiary, in
      substantially the form of EXHIBIT A to the Second Amendment (with such
      modifications as may be necessary or appropriate for each applicable
      foreign jurisdiction) or in such other form as may be approved by the
      Administrative Agent, in each case as amended, modified, supplemented or
      restated from time to time."

      (y) The definition of "Subordinated Indebtedness" in Section 1.1 of the
Credit Agreement is hereby amended and restated in its entirety as follows:

            " `Subordinated Indebtedness' shall mean, collectively, (i) any
      Seller Subordinated Indebtedness issued or existing pursuant to clause
      (vii) of SECTION 8.2, and (ii) any other Indebtedness of OCA or any
      Subsidiary that is subordinated in right of payment to the Obligations."

      (z) The definition of "Subsidiary Guaranty" in Section 1.1 of the Credit
Agreement is hereby amended and restated in its entirety as follows:

            " `Subsidiary Guaranty' shall mean an amended and restated guaranty
      agreement made by the Subsidiary Guarantors, in substantially the form of
      EXHIBIT B to the Second Amendment, as further amended, modified,
      supplemented or restated from time to time."

                                       6
<PAGE>
      (aa) The reference to "CHAMPUS" in the definition of "Third Party Payor
Arrangements" in Section 1.1 of the Credit Agreement is hereby changed to
"TRICARE/CHAMPUS."

      1.2 New Defined Terms. The following defined terms are hereby added to
Section 1.1 of the Credit Agreement in proper alphabetical order:

            " `Agents' shall mean, collectively, the Administrative Agent and
      the Collateral Agent."

            " `Benefited Parties' shall have the meaning given to such term in
      the Intercreditor Agreement."

            " `Bridge Agent' shall mean the `Administrative Agent' (as such term
      is defined in the Bridge Credit Agreement)."

            " `Bridge Credit Agreement' shall mean the Bridge Credit Agreement,
      dated as of November 9, 2001, among OCA, the Subsidiaries of OCA party
      thereto, the Bridge Lenders, and the Bridge Agent, as amended, modified,
      supplemented or restated from time to time in accordance with the terms of
      this Agreement."

            " `Bridge Credit Documents' shall mean, collectively, the Bridge
      Credit Agreement and all other `Credit Documents' (as such term is defined
      in the Bridge Credit Agreement), in each case as amended, modified,
      supplemented or restated from time to time in accordance with the terms of
      this Agreement."

            " `Bridge Lenders' shall mean the `Lenders' (as such term is defined
      in the Bridge Credit Agreement)."

            " `Bridge Loan Obligations' shall mean the `Credit Party
      Obligations' (as such term is defined in the Bridge Credit Agreement)."

            " `Bridge Loan Termination Date' shall mean the first date upon
      which all outstanding Bridge Loan Obligations have been paid and satisfied
      in full and the commitments to extend credit under the Bridge Credit
      Agreement have been permanently terminated."

            " `Bridge Loans' shall mean the `Term Loans' (as such term is
      defined in the Bridge Credit Agreement)."

            " `Bridge Notes' shall mean the `Term Notes' (as such term is
      defined in the Bridge Credit Agreement)."

            " `Bridge Subsidiary Guaranty' shall mean the `Guaranty' (as such
      term is defined in the Bridge Credit Agreement)."

            " `Collateral Agent' shall mean First Union, in its capacity as
      collateral agent for the Benefited Parties pursuant to the terms of the
      Intercreditor Agreement and the other Credit Documents, and its successors
      and permitted assigns in such capacity."

            " `Consolidated Funded Debt' shall mean, as of any date of
      determination, the aggregate (without duplication) of all Funded Debt of
      OCA and its Subsidiaries as of such date, determined on a consolidated
      basis in accordance with GAAP."

            " `Excess Permitted Senior Notes' shall mean any Permitted Senior
      Notes to the extent the aggregate Net Cash Proceeds thereof exceed the
      aggregate outstanding Bridge Loan Obligations as of the date of repayment
      in full thereof."

                                       7
<PAGE>
            " `Intercreditor Agreement' shall mean an intercreditor agreement
      made among the Administrative Agent (on behalf of itself and the Lenders),
      the Bridge Agent (on behalf of itself and the Bridge Lenders) and the
      Collateral Agent, in substantially the form of EXHIBIT C to the Second
      Amendment, and any successor or replacement intercreditor agreement among
      the Lenders (or the Administrative Agent on their behalf), the
      Administrative Agent, the holders of any Permitted Senior Notes and the
      Collateral Agent, in each case as amended, modified, supplemented or
      restated from time to time."

            " `OCA Merger Sub' shall mean OCA Acquisition Corporation, a
      Delaware corporation and a Wholly Owned Subsidiary of OCA."

            " `OrthAlliance' shall mean OrthAlliance, Inc., a Delaware
      corporation."

            " `OrthAlliance Acquisition' shall mean the merger of OCA Merger Sub
      with and into OrthAlliance subject to the terms and conditions set forth
      in the OrthAlliance Merger Agreement."

            " `OrthAlliance Material Adverse Change' shall mean a material
      adverse change in the condition (financial or otherwise), operations,
      business, performance, properties or assets of OrthAlliance and its
      Subsidiaries, taken as a whole."

            " `OrthAlliance Merger Agreement' shall mean the Agreement and Plan
      of Merger, dated as of May 16, 2001, among OCA, OCA Merger Sub and
      OrthAlliance, as amended, modified or supplemented from time to time in
      accordance with the terms of the Second Amendment."

            " `Patient Contracts' shall mean patient contracts between the
      Managed Practices and their respective patients (or parent, guardian or
      other responsible party) for the provision of orthodontic and pediatric
      dental services in a Managed Practice center or office that is subject to
      a Service Agreement."

            " `Permitted Senior Notes' shall have the meaning given to such term
      in SECTION 8.2."

            " `Pro Forma Basis' shall mean, for purposes of determining
      compliance with the financial covenants set forth in ARTICLE VII as of any
      date of determination, that (a) Consolidated Indebtedness shall be
      determined as of such date of determination after giving effect to any
      borrowing on such date and (b) Consolidated Lease Expense, Consolidated
      Cash Flow, Consolidated Fixed Charges and Consolidated Net Worth shall be
      as set forth in the most recent Compliance Certificate delivered pursuant
      to SECTION 6.2(a)."

            " `Second Amendment' shall mean the Second Amendment to Credit
      Agreement, dated as of November 9, 2001, among OCA, the Subsidiaries of
      OCA party thereto, the Lenders party thereto, the Administrative Agent,
      the Collateral Agent, Bank of America, N.A., as Documentation Agent, and
      Bank One, N.A., as Syndication Agent."

            " `Second Amendment Effective Date' shall mean the date upon which
      the conditions to the effectiveness of the Second Amendment set forth in
      SECTION 4 thereof are satisfied or waived in accordance with their terms."

            " `Seller Subordinated Indebtedness' shall have the meaning given to
      such term in SECTION 8.2."

            " `Total Patient Contract Balances' shall mean, as of the last day
      of any fiscal quarter, the aggregate balance as of such date of
      uncollected cash due or to become due under all Patient Contracts for
      orthodontic and pediatric dental services performed and to be performed by
      the Managed Practices, net of a reasonable allowance for uncollectible
      amounts and patient prepayments."

                                       8
<PAGE>
      1.3 Calculation of Financial Covenants. Section 1.2 of the Credit
Agreement is hereby amended by adding the following at the end thereof
immediately before the period:

            "Further, notwithstanding the foregoing or any other provision of
      this Agreement, the calculation of the financial covenants set forth in
      ARTICLE VII as of any date or for any period shall not include the assets,
      liabilities, revenues, income, losses and other financial statement items
      of OrthAlliance and its Subsidiaries as of any date occurring, or for any
      period ending, on or prior to September 30, 2001."

      1.4 Borrowings.

      (a) Clause (i) of Section 2.2(b) of the Credit Agreement is hereby amended
by adding the words "or, if greater, an integral multiple of $100,000 in excess
thereof" at the end thereof immediately before the semicolon.

      (b) Clause (ii) of Section 2.2(b) of the Credit Agreement is hereby
amended by changing the references to "$5,000,000" therein to "$1,500,000."

      1.5 Mandatory Prepayments.

      (a) Section 2.6(d) of the Credit Agreement is hereby amended and restated
in its entirety as follows:

            "(d) Promptly upon (and in any event not later than two (2) Business
      Days after) receipt thereof by OCA or any Subsidiary, the Borrowers will
      prepay the outstanding principal amount of the Loans in an amount equal to
      50% of the Net Cash Proceeds from any Equity Issuance or 100% of the Net
      Cash Proceeds from any Debt Issuance (provided that, in the case of
      prepayment required as a result of the issuance of any Excess Permitted
      Senior Notes, such prepayment shall be in an amount equal to 50% of the
      Net Cash Proceeds thereof), and in connection therewith OCA will deliver
      to the Administrative Agent, concurrently with such prepayment, a
      certificate signed by a Financial Officer of OCA in form and substance
      satisfactory to the Administrative Agent and setting forth the calculation
      of such Net Cash Proceeds."

      (b) Clause (i) of Section 2.6(f) of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(i) first, to reduce the outstanding principal amount of the Loans
      (but without any corresponding reduction to the Commitments; provided,
      however, that in the case of any prepayment with 50% of the Net Cash
      Proceeds of Excess Permitted Senior Notes, there shall be a corresponding
      permanent reduction of the Commitments in the amount of such prepayment),
      and"

      1.6 Closing Fees. Section 2.9(a) of the Credit Agreement is hereby deleted
in its entirety (but without any renumbering of any subsequent subsections of
Section 2.9 of the Credit Agreement).

      1.7 Borrowing Conditions.

      (a) Section 4.2 of the Credit Agreement is hereby amended by (i) deleting
the word "and" from the end of Section 4.2(b), (ii) adding a semicolon to the
end of Section 4.2(c) immediately before the period and the word "and"
immediately thereafter and (iii) adding a new Section 4.2(d) as follows
immediately after such semicolon:

            "(d) Immediately after giving effect to the Loans to be made or
      Letter of Credit to be issued on such date (and the application of the
      proceeds thereof), OCA shall be in compliance, on a Pro Forma Basis, with
      the financial covenants set forth in ARTICLE VII."

      (b) Section 4.2 of the Credit Agreement is hereby further amended by
deleting the words "subsections (b) and (c)" in the third line of the last
paragraph thereof and substituting in replacement thereof the words

                                       9
<PAGE>
"subsections (b), (c) and (d)," and by adding the following at the end of such
paragraph immediately after the period:

            "If requested by the Administrative Agent, OCA shall provide
      detailed calculations demonstrating compliance with subsection (d) above."

            1.8 Representations and Warranties.

      (a) Section 5.2 of the Credit Agreement is hereby amended by adding the
following at the end thereof immediately after the period:

            "Each Credit Document to which a Foreign Subsidiary is a party is in
      proper legal form under the law of the jurisdiction in which such Foreign
      Subsidiary is organized, formed or incorporated for the enforcement
      thereof against such Foreign Subsidiary under the law of such
      jurisdiction. To ensure the legality, validity, enforceability or
      admissibility in evidence of each such Credit Document in such
      jurisdiction, it is not necessary that any such Credit Document or any
      other document be filed or recorded with any court or other authority of
      such jurisdiction or that any stamp or similar tax be paid on or in
      respect of any such Credit Document."

      (b) Section 5.3 of the Credit Agreement is hereby amended by (i) adding
the words "(including, without limitation, any Service Agreement)" immediately
after the word "agreement" in clause (ii) thereof and (ii) adding the words "or
as expressly permitted under SECTION 8.10" at the end thereof immediately before
the period.

      (c) Clause (i) of Section 5.5 of the Credit Agreement is hereby amended by
adding the words ", or in respect of any Service Agreement," immediately after
the word "properties."

      (d) Section 5.19 of the Credit Agreement is hereby amended by deleting the
words "the Agent, for its benefit and the benefit of the Lenders" in the third
line thereof and substituting in replacement thereof the words "the Collateral
Agent, for its benefit and the benefit of the Benefited Parties".

      (e) Section 5.21 of the Credit Agreement is hereby amended and restated in
its entirety as follows:

            "5.21 Certain Documents. OCA has heretofore furnished to the
      Administrative Agent true and complete copies of the OrthAlliance Merger
      Agreement and the Bridge Credit Agreement, in each case together with all
      schedules and exhibits referred to therein or delivered pursuant thereto
      and all amendments, modifications and waivers relating thereto. On the
      Second Amendment Effective Date and immediately prior to giving effect to
      the consummation of the transactions contemplated thereby, (i) none of
      such documents shall have been amended, modified or supplemented in any
      material respect, nor any material condition or provision thereof waived,
      other than as approved by the Administrative Agent, and each such document
      is in full force and effect and neither OCA nor any Subsidiary party
      thereto (nor, to the knowledge of the Borrower, any other party thereto)
      is in default thereunder or in breach thereof, (ii) all conditions to the
      obligations of OCA and its Subsidiaries under each of such documents to
      consummate the transactions contemplated thereby shall have been
      satisfied, and (iii) the transactions contemplated by such documents will
      be consummated in accordance with the terms thereof and in compliance with
      all applicable Requirements of Law. Each of the representations and
      warranties of OCA and its Subsidiaries contained in the Bridge Credit
      Agreement is true and correct on and as of the Second Amendment Effective
      Date, and on the date of each borrowing thereunder, with the same effect
      as if made on and as of such date (in each case, except as contemplated by
      the terms of such documents)."

      (f) Section 5.22 of the Credit Agreement is hereby amended and restated in
its entirety as follows:

                                       10
<PAGE>
            "5.22 Service Agreements. No Service Agreement to which OCA or any
      of its Subsidiaries is a party, nor any of the transactions contemplated
      thereunder, violates any applicable Requirement of Law (i) relating to the
      eligibility of a Managed Practice to enter into or participate in any
      Third Party Payor Arrangement or otherwise applicable to such Managed
      Practice as a result of such participation, (ii) relating to any License
      or Reimbursement Approval of a Managed Practice required in connection
      with any Third Party Payor Arrangement in which it participates, (iii)
      relating to the practice of medicine or the sharing of fees in connection
      therewith, or (iv) relating to the enforceability of any provision of any
      Service Agreement against any Managed Practice by OCA or any Subsidiary,
      including, without limitation, the obligation of any Managed Practice to
      pay all compensation and fees to which OCA or any Subsidiary is entitled
      under any Service Agreement, except in each case under (i), (ii), (iii)
      and (iv) above for such violations as would not, individually or in the
      aggregate, be reasonably likely to have a Material Adverse Effect. No
      Service Agreement to which OCA or any of its Subsidiaries is a party, nor
      any of the transactions contemplated thereunder, violates any applicable
      Third Party Payor Arrangement to which any Managed Practice is a party,
      except for such violations as would not, individually or in the aggregate,
      be reasonably likely to have a Material Adverse Effect. With respect to
      the Service Agreements, (i) each Service Agreement is in full force and
      effect and is enforceable by OCA or the Subsidiary that is a party thereto
      in accordance with its terms, and (ii) neither OCA nor any of its
      Subsidiaries (nor, to the knowledge of OCA, any other party thereto) is in
      breach of or default under any Service Agreement in any material respect
      or has given notice of termination or cancellation of any Service
      Agreement, except in each case under (i) and (ii) above to the extent the
      failure to be in compliance with such representations would not be
      reasonably likely, individually or in the aggregate, to have a Material
      Adverse Effect."

      (g) Section 5.23 of the Credit Agreement is hereby amended by deleting the
words "OCA and each Subsidiary" in the first line thereof and substituting in
replacement thereof the words "OCA, each Subsidiary and (to the knowledge of
OCA) each Managed Practice".

      (h) Section 5.24 of the Credit Agreement is hereby amended and restated in
its entirety as follows:

            "5.24 Fraud and Abuse. Neither OCA nor any Subsidiary (nor, to the
      knowledge of OCA, any Managed Practice or any physician shareholder or
      employee of any Managed Practice), has engaged in any activities that are
      prohibited under 42 U.S.C. Section 1320a-7b, 42 U.S.C. Section 1395nn, or
      the regulations promulgated thereunder, or related Requirements of Law, or
      under any similar state law or regulation, or that are prohibited by rules
      of professional conduct, including, without limitation, the following: (i)
      knowingly and willfully making or causing to be made a false statement or
      misrepresentation of a material fact in any application for any benefit or
      payment; (ii) knowingly and willfully making or causing to be made any
      false statement or misrepresentation of a material fact for use in
      determining rights to any benefit or payment; (iii) failure to disclose
      knowledge by a claimant of the occurrence of any event affecting the
      initial or continued right to any benefit or payment on its own behalf or
      on behalf of another, with intent to secure such benefit or payment
      fraudulently; (iv) knowingly and willfully soliciting or receiving any
      remuneration (including any kickback, bribe or rebate), directly or
      indirectly, overtly or covertly, in cash or in kind, or offering to pay or
      receive such remuneration (y) in return for referring an individual to a
      Person for the furnishing or arranging for the furnishing of any item or
      service for which payment may be made in whole or in part by Medicare,
      Medicaid or any other government or private third party payor, or (z) in
      return for purchasing, leasing, or ordering or arranging for or
      recommending purchasing, leasing or ordering any good, facility, service,
      or item for which payment may be made in whole or in part by Medicare,
      Medicaid or any other government or private third party payor; and (v)
      making any prohibited referral for designated health services, or
      presenting or causing to be presented a claim or bill to any individual,
      third party payor or other entity for designated health services furnished
      pursuant to a prohibited referral, except to the extent that any
      activities of the types described in clauses (i) through (v) above do not,
      individually or in the aggregate, (a) adversely affect Persons generating
      3% or more

                                       11
<PAGE>
of total revenues of OCA and its Subsidiaries and (b) result in exclusion of
such Persons from federal or state healthcare programs or civil or criminal
penalties."

      1.9 Compliance with Laws. Section 6.4 of the Credit Agreement is hereby
amended and restated in its entirety as follows:

            "6.4 Compliance with Laws/Compliance Program. OCA will, and will
      cause each of its Subsidiaries to, (i) comply in all respects with all
      Requirements of Law applicable to the conduct of its business and the
      ownership and operation of its properties and (ii) make commercially
      reasonable efforts to implement policies that are consistent with the
      Standards for Privacy of Individually Identifiable Health Information (the
      `Privacy Standards') implementing the privacy requirements of the
      Administrative Simplification subtitle of the Health Insurance Portability
      and Accountability Act of 1996 (HIPAA) set forth at 45 CFR Parts 160 and
      164 on or before the date that such Privacy Standards become applicable to
      OCA, its Subsidiaries, and Managed Practices, except in each case under
      (i) and (ii) above to the extent the failure so to comply would not be
      reasonably likely, individually or in the aggregate, to have a Material
      Adverse Effect. Further, OCA has in place a compliance program for OCA and
      its Subsidiaries which is reasonably designed to provide effective
      internal controls that promote adherence to, and prevent and detect
      material violations of, any Requirement of Law applicable to OCA and its
      Subsidiaries, and which includes the implementation of internal audits and
      monitoring on a regular basis to monitor compliance with the compliance
      program and with Requirements of Law."

      1.10 Permitted Acquisitions.

      (a) Clause (ii) of Section 6.9(a) of the Credit Agreement is hereby
amended and restated in its entirety as follows:

            "(ii) the Acquisition Amount with respect thereto (A) to the extent
      paid or payable in cash, shall not exceed (1) for any single Acquisition,
      $1,500,000, or (2) together with the aggregate of the Acquisition Amounts
      (to the extent paid or payable in cash) for all other Permitted
      Acquisitions (excluding the OrthAlliance Acquisition) consummated during
      the same fiscal year, $26,250,000, and (B) together with the aggregate of
      the Acquisition Amounts (regardless of the form of consideration) for all
      other Permitted Acquisitions (excluding the OrthAlliance Acquisition)
      consummated during the same fiscal year, shall not exceed $35,000,000; but
      provided further that, notwithstanding the foregoing or any other
      provision of this Agreement, the aggregate Acquisition Amounts of all
      Permitted Acquisitions consummated from and after the Second Amendment
      Effective Date until the Bridge Loan Termination Date (excluding the
      OrthAlliance Acquisition) shall not exceed (y) $7,500,000 (to the extent
      paid or payable in cash) or (z) $10,000,000 (regardless of the form of
      consideration)."

      (b) Section 6.9(b) of the Credit Agreement is hereby amended and restated
in its entirety as follows:

            "(b) Within forty-five (45) days after the end of each fiscal
      quarter, OCA will deliver to the Administrative Agent and each Lender,
      with respect to each Permitted Acquisition during such fiscal quarter the
      Acquisition Amount in respect of which is less than either $1,500,000 (to
      the extent paid or payable in cash) or $5,000,000 (regardless of the form
      of consideration), the items described in clauses (i) and (ii) of
      subsection (c) below."

      (c) The introductory paragraph of Section 6.9(c) of the Credit Agreement
is hereby amended and restated in its entirety as follows:

            "(c) Not less than ten (10) Business Days prior to the consummation
      of any proposed Acquisition with respect to which the Acquisition Amount
      equals or exceeds $1,500,000 (to the extent paid or payable in cash), OCA
      shall have delivered to the Administrative Agent and each Lender a request
      that such Acquisition be approved as a Permitted Acquisition and, in
      support of

                                       12
<PAGE>
      such request (at a minimum, and without limitation of any other materials
      or information that may be requested by the Administrative Agent or any
      Lender), the information and materials described in clauses (i) through
      (iv) below. Not less than five (5) Business Days prior to the consummation
      of any proposed Acquisition with respect to which the Acquisition Amount
      equals or exceeds $5,000,000 (regardless of the form of consideration, but
      without limitation of the first sentence of this subsection (a) as to any
      cash component thereof), OCA shall have delivered to the Administrative
      Agent and each Lender the information and materials described in clauses
      (i) through (iv) below:"

      1.11 New Subsidiaries. Section 6.10(a) of the Credit Agreement is hereby
amended by adding the words "an Intercompany Note and" immediately before the
words "a joinder to the Subsidiary Guaranty" in clause (i) thereof.

      1.12 Inactive Subsidiaries. Section 6.13 of the Credit Agreement is hereby
amended and restated in its entirety as follows:

            "6.13 Inactive Subsidiaries.

            (a) Notwithstanding any other provision of this Agreement or any
      other Credit Document (including Section 4 of the Second Amendment), the
      Subsidiaries listed on SCHEDULE 2 to the Second Amendment (collectively,
      the "Designated Subsidiaries") shall not be required to become Subsidiary
      Guarantors, and the Capital Stock of such Subsidiaries shall not be
      required to be pledged to the Collateral Agent, on the Second Amendment
      Effective Date. On or prior to January 9, 2002, OCA will take any or all
      of the following actions with respect to the Designated Subsidiaries: (i)
      cause one or more Designated Subsidiaries to transfer assets to one or
      more Subsidiary Guarantors, (ii) merge one or more Designated Subsidiaries
      with and into one or more Subsidiary Guarantors, or (iii) cause one or
      more Designated Subsidiaries to become Subsidiary Guarantors in accordance
      with SECTION 6.10, in all cases such that each Designated Subsidiary
      remaining in existence on or at any time after January 9, 2002 is either a
      Subsidiary Guarantor or qualifies as an Inactive Subsidiary in accordance
      with the terms of this Agreement (including with respect to the limitation
      in subsection (b) below).

            (b) In the event the aggregate book value of all assets of the
      Inactive Subsidiaries shall exceed $400,000 at any time on or after
      January 9, 2002, OCA will, as promptly as reasonably possible but in any
      event within thirty (30) days thereafter, take any or all of the following
      actions to the extent necessary to eliminate such excess: (i) cause one or
      more Inactive Subsidiaries to transfer assets to one or more Subsidiary
      Guarantors, (ii) merge one or more Inactive Subsidiaries with and into one
      or more Subsidiary Guarantors, or (iii) cause one or more Inactive
      Subsidiaries to become Subsidiary Guarantors in accordance with SECTION
      6.10."

      1.13 Year 2000. Section 6.11 of the Credit Agreement is hereby deleted in
its entirety (but without any renumbering of any subsequent sections of Article
VI of the Credit Agreement).

      1.14 Leverage Ratio. Section 7.1 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "7.1 Leverage Ratio. OCA will not permit the Leverage Ratio as of
      any date, beginning with the Second Amendment Effective Date, to be
      greater than 3.0 to 1.0."

      1.15 Fixed Charge Coverage Ratio. Section 7.2 of the Credit Agreement is
hereby amended and restated in its entirety as follows:

            "7.2 Fixed Charge Coverage Ratio. OCA will not permit the Fixed
      Charge Coverage Ratio (i) as of the last day of each of the fiscal quarter
      ending December 31, 2001 and the fiscal quarter ending March 31, 2002, to
      be less than 1.35 to 1.0, (ii) as of the last day of the fiscal

                                       13
<PAGE>
      quarter ending June 30, 2002, to be less than 1.4 to 1.0, and (iii) as of
      the last day of any fiscal quarter ending thereafter, to be less than 1.5
      to 1.0."

      1.16 Consolidated Net Worth. Section 7.3 of the Credit Agreement is hereby
amended and restated in its entirety as follows:

            "7.3 Consolidated Net Worth. OCA will not permit Consolidated Net
      Worth as of the last day of any fiscal quarter, beginning with the fiscal
      quarter ending December 31, 2001, to be less than the sum of (i)
      $380,000,000, plus (ii) 80% of the aggregate of Consolidated Net Income
      for each fiscal quarter ending after December 31, 2001 (provided that
      Consolidated Net Income for any such fiscal quarter shall be taken into
      account for purposes of this calculation only if positive), plus (iii) 90%
      of the aggregate amount of all increases in the stated capital and
      additional paid-in capital accounts of OCA and its Subsidiaries, as
      determined on a consolidated basis in accordance with GAAP, resulting from
      the issuance of equity securities (including pursuant to the exercise of
      options, rights or warrants or pursuant to the conversion of convertible
      securities) or other Capital Stock after December 31, 2001."

      1.17 Funded Debt to Total Patient Contract Balances. Article VII of the
Credit Agreement is hereby amended by adding a new Section 7.4 as follows:

            "7.4 Funded Debt to Total Patient Contract Balances. OCA will not
      permit Consolidated Funded Debt as of the last day of any fiscal quarter,
      beginning with the fiscal quarter ending December 31, 2001, to exceed 30%
      of Total Patient Contract Balances as of such date."

      1.18 Indebtedness.

      (a) Clause (i) of Section 8.2 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(i) Indebtedness incurred under (y) this Agreement, the Notes the
      other Credit Documents and (z) the Bridge Credit Agreement, the Bridge
      Notes and the other Bridge Credit Documents (provided that the
      Indebtedness described in this clause (z) shall not exceed, without
      duplication, $50,000,000 in aggregate principal amount outstanding at any
      time);"

      (b) Clause (ii) of Section 8.2 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(ii) Indebtedness existing on the Second Amendment Effective Date
      and described in SCHEDULE 8.2, and any extensions, renewals, replacements,
      modifications and refundings thereof, provided that the principal amount
      thereof is not increased from the amount shown on such Schedule;"

      (c) Clause (v) of Section 8.2 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(v) Indebtedness of OCA consisting of senior notes, all or a
      portion of the proceeds of which are used to repay the outstanding Bridge
      Loan Obligations in full, and guaranties thereof by the Subsidiary
      Guarantors; provided that, as conditions to such notes being permitted to
      be issued pursuant to this clause (v), (A) the terms, conditions and
      provisions of such notes and all indentures, agreements or instruments
      pursuant to which such notes are issued (including, without limitation,
      terms and provisions relating to principal amount, maturity, covenants,
      defaults, and interest) shall be satisfactory in form and substance to the
      Required Lenders in their sole reasonable discretion and approved in
      writing by them (or by the Administrative Agent on their behalf), such
      approval not to be unreasonably withheld, and shall provide, at a minimum
      and without limitation, that such notes (1) shall not exceed $75,000,000
      in aggregate principal amount

                                       14
<PAGE>
      outstanding at any time, (2) shall mature by their terms no earlier than
      February 15, 2005, (3) shall not require any scheduled payment of
      principal prior to the first anniversary of the Maturity Date, and (4)
      shall not be subject to any covenants or undertakings except for those
      that, taken as a whole, are materially less restrictive than those
      contained herein, and shall not be subject to any material covenant or
      undertaking that is more restrictive than or in addition to those
      contained herein, (B) prior to or concurrently with the issuance of such
      notes, OCA shall have delivered to each Lender a certificate, signed by a
      Financial Officer of OCA, satisfactory in form and substance to the
      Required Lenders and to the effect that, after giving effect to the
      issuance of such notes, OCA is in compliance with the financial covenants
      set forth in ARTICLE VII, such compliance being determined with regard to
      calculations made on a pro forma basis in accordance with GAAP as of the
      last day of the fiscal quarter then most recently ended and as if such
      notes had been issued on the first day of the period applicable to such
      covenants (such calculations to be attached to such certificate), (C) all
      or a portion of the proceeds of such notes shall be applied, on the date
      of receipt thereof, to repay the outstanding Bridge Loan Obligations in
      full, (D) any amendments to or modifications or replacements of the
      Subsidiary Guaranty, the Pledge Agreements and any other Credit Documents,
      and all other documentation (including any separate guaranty or pledge
      agreements), required by the holders of such notes shall be satisfactory
      in form and substance to the Required Lenders and (E) the holders of such
      notes shall have (in a capacity equivalent to that of the Bridge Agent, on
      behalf of itself and the Bridge Lenders) entered into either an accession
      to the existing Intercreditor Agreement in form and substance satisfactory
      to the Required Lenders or (together with the Lenders (or the
      Administrative Agent on their behalf), the Administrative Agent and the
      Collateral Agent) a new intercreditor agreement in substantially the form
      of EXHIBIT C attached hereto (the notes described hereinabove and meeting
      such conditions, the `Permitted Senior Notes'); and provided further that
      50% of the Net Cash Proceeds from the issuance of such portion of such
      notes constituting Excess Permitted Senior Notes (if any) shall be applied
      to prepay the Loans (with a corresponding permanent reduction to the
      Commitments) in accordance with, and to the extent required under, the
      provisions of SECTION 2.6(f);"

      (d) Clause (vi) of Section 8.2 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(vi) Indebtedness consisting of guarantees by OCA or any of its
      Subsidiaries of loans made to affiliated orthodontists and orthodontic
      practices for the purpose of financing costs associated with the
      development of new orthodontic centers, provided that the aggregate amount
      so guaranteed shall not exceed (y) $2,500,000 outstanding at any time
      prior to the Bridge Loan Termination Date and (z) $5,000,000 outstanding
      at any time thereafter;"

      (e) Clause (vii) of Section 8.2 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(vii) unsecured Indebtedness issued after the Closing Date by OCA
      or any of its Subsidiaries to sellers in connection with Permitted
      Acquisitions (including any existing seller Indebtedness acquired or
      assumed after the Closing Date by OCA or any Subsidiary pursuant to the
      OrthAlliance Acquisition or any other Permitted Acquisition), in an
      aggregate principal amount not exceeding (y) $25,000,000 outstanding at
      any time prior to the Bridge Loan Termination Date and (z) $35,000,000
      outstanding at any time thereafter, provided that such Indebtedness is
      subordinated in right and time of payment to the Obligations on terms and
      conditions acceptable to the Administrative Agent and is otherwise on
      terms and conditions acceptable to, and in a form approved in writing by,
      the Administrative Agent (the Indebtedness described in this clause (vii),
      `Seller Subordinated Indebtedness');"

      (f) Clause (ix) of Section 8.2 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

                                       15
<PAGE>
            "(ix) (A) Indebtedness of OCA under Hedge Agreements entered into in
      the ordinary course of business and not for speculative purposes, provided
      that the notional amount covered under all such agreements shall not
      exceed the sum of the aggregate amount of the Commitments and (y) prior to
      the Bridge Loan Termination Date, the commitments of the Bridge Lenders
      under the Bridge Credit Agreement and (z) on and after the Bridge Loan
      Termination Date, the aggregate outstanding principal amount of the
      Permitted Senior Notes, and (B) purchase money Indebtedness of OCA and its
      Subsidiaries incurred solely to finance the payment of all or part of the
      purchase price of any equipment, real property or other fixed assets
      acquired in the ordinary course of business, including Indebtedness in
      respect of capital lease obligations, and any renewals, refinancings or
      replacements thereof (subject to the limitations on the principal amount
      thereof set forth in this clause (ix)), and other Indebtedness of OCA and
      its Subsidiaries that is unsecured, including Contingent Obligations
      (other than Indebtedness specified in clauses (i) through (viii) above and
      subclause (A) of this clause (ix)), which purchase money indebtedness and
      other unsecured indebtedness shall not exceed $3,500,000 in aggregate
      principal amount outstanding at any time."

      1.19 Liens.

      (a) Clause (i) of Section 8.3 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(i) Liens created under the Pledge Agreements and the "Pledge and
      Security Agreements," as defined in the Bridge Credit Agreement (and, upon
      the payment in full of the Bridge Loan Obligations, pledge agreements
      entered into with respect to the Permitted Senior Notes in accordance with
      the terms of this Agreement) in favor of the Collateral Agent, for its
      benefit and the benefit of the Benefited Parties, securing the Obligations
      and the Bridge Loan Obligations (and, upon the payment in full of the
      Bridge Loan Obligations, the Permitted Senior Notes and the related
      obligations of OCA and its Subsidiaries in connection therewith) on a pari
      passu basis in accordance with the terms of the Intercreditor Agreement;"

      (b) Clause (ii) of Section 8.3 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(ii) Liens in existence on the Second Amendment Effective Date and
      set forth on SCHEDULE 8.3;"

      1.20 Investments.

      (a) Clause (iv) of Section 8.5 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(iv) without duplication, Investments consisting of (y)
      intercompany Indebtedness permitted under clause (iv) of SECTION 8.2 and
      (z) Hedge Agreements permitted under clause (ix) of SECTION 8.2;"

      (b) Clause (v) of Section 8.5 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(v) Investments in (y) Domestic Subsidiaries existing as of the
      date hereof and (z) Foreign Subsidiaries and joint ventures existing as of
      the Second Amendment Effective Date and described in SCHEDULE 1 to the
      Second Amendment, provided that this clause (z) shall not permit any
      Investments after the Second Amendment Effective Date in such Foreign
      Subsidiaries or joint ventures (it being understood that any such
      Investments may be made only in compliance with clause (ix) or (x) of this
      Section);

                                       16
<PAGE>
      (c) Clause (vii) of Section 8.5 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(vii) Permitted Acquisitions; provided that the Acquisition Amounts
      with respect to Permitted Acquisitions of businesses having assets or
      operations located outside of the United States of America shall not
      exceed, in the aggregate, $1,000,000 for any individual foreign
      Acquisition or $10,000,000 for all such foreign Acquisitions from and
      after the Closing Date; but provided further that, notwithstanding the
      foregoing, no such foreign Permitted Acquisitions shall be permitted
      pursuant to this clause (vii) at any time from and after the Second
      Amendment Effective Date until the Bridge Loan Termination Date."

      (d) Clause (viii) of Section 8.5 of the Credit Agreement is hereby amended
by deleting the word "and" at the end thereof.

      (e) Clause (ix) of Section 8.5 of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(ix) Investments in Foreign Subsidiaries made after the Second
      Amendment Effective Date and not otherwise included under the proviso in
      clause (vii) above (including, without limitation (but without
      duplication), capital contributions made to any Foreign Subsidiary, loans
      and advances made to any Foreign Subsidiary, and Contingent Obligations
      with respect to obligations of any Foreign Subsidiary), in an aggregate
      amount not exceeding $5,000,000 at any time outstanding for all such
      Investments (provided that the aggregate amount of all such Investments
      made at any time from and after the Second Amendment Effective Date until
      the Bridge Loan Termination Date shall not exceed $2,500,000 at any time
      outstanding); and"

      (f) Section 8.5 of the Credit Agreement is hereby amended by adding a new
clause (x) thereof as follows:

            "(x) other Investments in an aggregate amount not exceeding
      $1,000,000 at any time outstanding."

      1.21 Restricted Payments.

      (a) Clause (iii) of Section 8.6(a) of the Credit Agreement is hereby
amended and restated in its entirety as follows:

            "(iii) OCA may purchase, redeem, retire or otherwise acquire for
      value shares of its Capital Stock in an aggregate amount not exceeding
      $5,000,000 during any fiscal year, provided that, immediately after giving
      effect thereto, no Default or Event of Default would exist; but provided
      further that, notwithstanding the foregoing, OCA shall not be permitted to
      purchase, redeem, retire or otherwise acquire for value any shares of its
      Capital Stock pursuant to this clause (iii) at any time from and after the
      Second Amendment Effective Date until the Bridge Loan Termination Date."

      (b) Section 8.6 of the Credit Agreement is hereby further amended by
adding the following as a new subsection (c) thereof:

            "(c) If any Default or Event of Default has occurred and is
      continuing or would result therefrom, OCA will not, and will not permit or
      cause any of its Subsidiaries to, make (or give any notice in respect of)
      any voluntary or optional payment or prepayment of principal of the Bridge
      Loans or the Permitted Senior Notes, or directly or indirectly make any
      redemption (including pursuant to any change of control provision),
      retirement, defeasance or other acquisition for value of any principal of
      the Bridge Loans or the Permitted Senior Notes, or make any deposit or
      otherwise set aside funds for any of the foregoing purposes; provided,
      however, that OCA may

                                       17
<PAGE>
      issue the Permitted Senior Notes and apply the proceeds thereof to the
      repayment in full of the Bridge Loans in accordance with the applicable
      provisions of SECTION 8.2, notwithstanding the existence of any Default or
      Event of Default immediately prior to or after giving effect to such
      issuance and application of proceeds thereof."

      1.22 Certain Amendments. Section 8.9 of the Credit Agreement is hereby
amended by (a) deleting the word "or" from the end of clause (i) thereof, (b)
adding the word "or" at the end of clause (ii) thereof in place of the period,
and (c) adding a new clause (iii) thereof as follows:

            "(iii) amend, modify or waive, or permit the amendment, modification
      or waiver of, any provision of the Bridge Credit Agreement, any of the
      other Bridge Credit Documents, the Permitted Senior Notes or any agreement
      or instrument evidencing or governing the Permitted Senior Notes, or enter
      into any new Bridge Credit Document or any other agreement in connection
      therewith, in each case the effect of which would be to (a) increase the
      principal amount due thereunder, (b) shorten or accelerate the time of
      payment of any amount due thereunder, (c) increase the applicable interest
      rate or amount of any fees or costs due thereunder, (d) make any covenant
      or event of default therein more restrictive or add any new covenant or
      event of default, (e) grant any security or collateral to secure payment
      thereof (other than as expressly contemplated under the Bridge Credit
      Documents as in existence on the Second Amendment Effective Date and as
      amended, modified or supplemented from time to time in accordance with the
      terms of this Agreement), (f) create or permit to exist any agreement,
      restriction or encumbrance of the types described in SECTION 8.10 or
      SECTION 8.11 or (g) otherwise materially and adversely affect the
      Lenders."

      1.23 Limitation on Certain Restrictions. Section 8.10 of the Credit
Agreement is hereby amended by adding the following at the end thereof
immediately before the period:

            "or under the Bridge Credit Documents (as in existence on the Second
      Amendment Effective Date and as amended, modified or supplemented from
      time to time in accordance with the terms of this Agreement) or any
      agreement or instrument evidencing or governing any Permitted Senior
      Notes"

      1.24 No Other Negative Pledges. Section 8.11 of the Credit Agreement is
hereby amended by (a) deleting the word "and" from the end of clause (ii)
thereof, (b) adding the word "and" at the end of clause (iii) thereof
immediately before the period, and (c) adding a new clause (iv) thereof as
follows:

            "(iv) the Bridge Credit Documents (as in existence on the Second
      Amendment Effective Date and as amended, modified or supplemented from
      time to time in accordance with the terms of this Agreement) or any
      agreement or instrument evidencing or governing any Permitted Senior
      Notes."

      1.25 Events of Default.

      (a) Section 9.1(b) of the Credit Agreement is hereby amended by adding the
words "or 6.13(a)" immediately after the reference to "6.10" and immediately
before the words "or in ARTICLE VII."

      (b) Section 9.1(e) of the Credit Agreement is hereby amended by adding the
following immediately after the semicolon at the end thereof:

            "or any Event of Default (as defined in the Bridge Credit Agreement)
      shall occur;"

      (c) Section 9.1(i) of the Credit Agreement is hereby amended by deleting
the words "a material" in clause (iii) thereof and substituting in replacement
thereof the words "an immaterial."

                                       18
<PAGE>
      (d) Section 9.1(o) of the Credit Agreement is hereby amended by (i) adding
a semicolon to the end of clause (ii) thereof immediately before the period and
(ii) adding a new clause (iii) thereof as follows immediately after such
semicolon:

            "or (iii) a `change of control' or similar event within the meaning
      of the Bridge Credit Agreement or any agreement or instrument governing or
      evidencing Permitted Senior Notes shall occur thereunder."

      1.26 Remedies. Section 9.2(d) of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(d) Exercise, and direct the Collateral Agent to exercise, all
      rights and remedies available to the Administrative Agent or the
      Collateral Agent (as the case may be) under this Agreement, the other
      Credit Documents and applicable law."

      1.27 Amendments Relating to Hedge Agreements.

      (a) Section 9.1(a) of the Credit Agreement is hereby amended by adding the
words "(other than any Obligation under a Hedge Agreement)" immediately before
the words "when due" in clause (ii) thereof.

      (b) Section 9.1(c) of the Credit Agreement is hereby amended by adding the
following at the end thereof:

            "or any default or event of default shall occur under any Hedge
Agreement to which OCA and any Lender or Affiliate of any Lender are parties;"

      (c) Clause (i) of Section 9.1(e) of the Credit Agreement is hereby amended
and restated in its entirety as follows:

            "(i) fail to pay when due (whether by scheduled maturity,
      acceleration or otherwise and after giving effect to any applicable grace
      period) (y) any principal of or interest on any Indebtedness (other than
      the Indebtedness incurred pursuant to this Agreement) having an aggregate
      principal Dollar Amount of at least $250,000 or (z) any termination or
      other payment under any Hedge Agreement covering a notional Dollar Amount
      of Indebtedness of at least $250,000 or"

      (d) Section 9.2(b) of the Credit Agreement is hereby amended by adding the
words "(but excluding any amounts owing under any Hedge Agreement)" immediately
after the words "Credit Documents" and before the words "shall become" in the
fourth line thereof.

      (e) Clause (iii) of Section 12.13 of the Credit Agreement is hereby
amended and restated in its entirety as follows:

            "(iii) in connection with any proceeding to enforce its rights
      hereunder, under any other Credit Document or under any Hedge Agreement or
      in any other litigation or proceeding in connection with the Credit
      Documents or any Hedge Agreement,"

      1.28 Amendments Relating to Cash Collateral. The Credit Agreement is
hereby amended in all applicable places to provide that the Cash Collateral
Account shall be maintained and held by the Collateral Agent and the contents
thereof held, distributed and applied as provided in the Intercreditor
Agreement, provided that the Administrative Agent shall continue to have the
right under (and in accordance with the terms of) the Credit Agreement
(including under Sections 3.8 and 9.2(c) thereof) to require OCA to deliver cash
collateral, and the Administrative Agent shall promptly deliver to the
Collateral Agent any cash collateral so received, to be held by it in the Cash
Collateral Account as provided in the Credit Agreement and the Intercreditor
Agreement.

                                       19
<PAGE>
      1.29 Administrative Agent and Collateral Agent.

      (a) Except as expressly set forth otherwise in the Credit Agreement, in
this Amendment or in any other Credit Document, and except as the context may
otherwise require, all references to "the Agent" in the Credit Agreement and the
other Credit Documents are hereby amended to be references to "the
Administrative Agent."

      (b) Section 10.1 of the Credit Agreement is hereby amended by adding the
following at the end thereof:

            "For purposes of this ARTICLE X, the term `Administrative Agent'
      shall also include First Union in its capacity as Collateral Agent
      pursuant to the Credit Documents."

      (c) Section 10.10 of the Credit Agreement is hereby amended and restated
in its entirety as follows:

            "10.10 Intercreditor Agreement. Each Lender hereby (i) authorizes
      and directs the Administrative Agent to execute and deliver the
      Intercreditor Agreement and (to the extent effected in accordance with the
      terms of the Intercreditor Agreement) any amendments, modifications and
      supplements thereto and restatements thereof, and (ii) consents to the
      appointment of First Union as Collateral Agent, on behalf of the Benefited
      Parties, pursuant to the terms of the Intercreditor Agreement."

      (d) Section 10.12 of the Credit Agreement is hereby amended by adding the
words "(but specifically excluding the Collateral Agent)" immediately after the
words "similar designation" and before the words "are named as such" in the
fourth line thereof.

      (e) All references to the Administrative Agent in the following clauses or
Sections of the Credit Agreement shall be deemed to be references to the
Collateral Agent instead of (i.e., in lieu of) references to the Administrative
Agent:

            (i) clause (i) of the definition of "Equity Issuance";

            (ii) clause (iv) of Section 5.3;

            (iii) Section 5.19;

            (iv) Sections 6.10(a), 6.10(b) and (as to the last reference
      therein) Section 6.10(c);

            (v) clause (iv) of Section 8.2;

            (vi) Section 9.1(i);

            (vii) clause (i)(z) of Section 12.1; and

            (viii) clause (iii) of Section 12.18.

      (f) All references to the Administrative Agent in the following clauses or
Sections of the Credit Agreement shall be deemed to be references to the
Collateral Agent together with (i.e., in addition to) references to the
Administrative Agent:

            (i) Section 2.13;

            (ii) Sections 2.17(a), 2.17(b) and 2.17(c);

            (iii) Section 6.12;

                                       20
<PAGE>
            (iv) Section 12.1 (except as set forth in subsection (e) above);

            (v) Section 12.2;

            (vi) Section 12.3;

            (vii) Section 12.4;

            (viii) clause (b) of Section 12.5(a) (notice address); and

            (ix) Section 12.8.

      1.30 OCA Guaranty. Article XI of the Credit Agreement is hereby amended
and restated in its entirety as set forth in Annex A hereto.

      1.31 Governing Law.

      (a) The first two sentences of Section 12.3 of the Credit Agreement are
hereby amended and restated in their entirety as follows:

            "12.3 Governing Law; Consent to Jurisdiction. THIS AGREEMENT AND THE
      OTHER CREDIT DOCUMENTS SHALL BE GOVERNED BY AND CONSTRUED AND ENFORCED IN
      ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK (INCLUDING SECTIONS
      5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW, BUT EXCLUDING
      ALL OTHER CHOICE OF LAW AND CONFLICTS OF LAW RULES); PROVIDED THAT EACH
      LETTER OF CREDIT SHALL BE GOVERNED BY AND CONSTRUED AND ENFORCED IN
      ACCORDANCE WITH THE LAWS OR RULES DESIGNATED IN SUCH LETTER OF CREDIT OR,
      IF NO SUCH LAWS OR RULES ARE DESIGNATED, THE INTERNATIONAL STANDBY
      PRACTICES OF THE INTERNATIONAL CHAMBER OF COMMERCE AS IN EFFECT FROM TIME
      TO TIME (THE "ISP"), AND, AS TO MATTERS NOT GOVERNED BY THE ISP, THE LAWS
      OF THE STATE OF NEW YORK (INCLUDING SECTIONS 5-1401 AND 5-1402 OF THE NEW
      YORK GENERAL OBLIGATIONS LAW, BUT EXCLUDING ALL OTHER CHOICE OF LAW AND
      CONFLICTS OF LAW RULES). EACH BORROWER HEREBY CONSENTS TO THE NONEXCLUSIVE
      JURISDICTION OF ANY STATE COURT WITHIN MECKLENBURG COUNTY, NORTH CAROLINA
      OR ANY FEDERAL COURT LOCATED WITHIN THE WESTERN DISTRICT OF THE STATE OF
      NORTH CAROLINA FOR ANY PROCEEDING INSTITUTED HEREUNDER OR UNDER ANY OF THE
      OTHER CREDIT DOCUMENTS, OR ARISING OUT OF OR IN CONNECTION WITH THIS
      AGREEMENT OR ANY OF THE OTHER CREDIT DOCUMENTS, OR ANY PROCEEDING TO WHICH
      THE ADMINISTRATIVE AGENT, THE COLLATERAL AGENT OR ANY LENDER OR SUCH
      BORROWER IS A PARTY, INCLUDING ANY ACTIONS BASED UPON, ARISING OUT OF, OR
      IN CONNECTION WITH ANY COURSE OF CONDUCT, COURSE OF DEALING, STATEMENT
      (WHETHER ORAL OR WRITTEN) OR ACTIONS OF THE ADMINISTRATIVE AGENT, THE
      COLLATERAL AGENT OR ANY LENDER OR SUCH BORROWER."

      (b) The governing law provisions of Exhibits A-1, A-2, D and F to the
Credit Agreement, all outstanding Notes, and all outstanding Intercompany Notes
are hereby amended to provide that the same shall be governed by and construed
and enforced in accordance with the laws of the State of New York (including
Sections 5-1401 and 5-1402 of the New York General Obligations Law, but
excluding all other choice of law and conflicts of law rules).

      1.32 Foreign Borrowings. Section 12.17 of the Credit Agreement is hereby
amended by adding a new subsection (d) thereof as follows:

                                       21
<PAGE>
            "(d) Notwithstanding any provision to the contrary contained in this
      Agreement, from and after the Second Amendment Effective Date, no Foreign
      Currency Loans may be made in the national currency unit of any
      participating member state of the European Union, and any Foreign Currency
      Loans that would otherwise have been made in any such national currency
      unit shall instead be made in Euros."

      1.33 Intercreditor Agreement. The Credit Agreement is hereby amended by
adding a new Section 12.20 thereof as follows:

            "12.20 Conflict With Intercreditor Agreement. In case of a conflict
      between any provision of this Agreement and any provision of the
      Intercreditor Agreement, the provisions of the Intercreditor Agreement
      shall control. No such conflict shall be deemed to exist merely because
      this Agreement imposes greater obligations on OCA and the other Borrowers
      than the Intercreditor Agreement."

      1.34 References to Financial Covenants. All references in the Credit
Agreement or in any other Credit Document to the financial covenants set forth
in "Sections 7.1 through 7.3" of the Credit Agreement shall be deemed to refer
to the financial covenants contained in Article VII of the Credit Agreement.

      1.35 Schedules. Schedules 8.2 and 8.3 to the Credit Agreement are hereby
amended and restated in their entirety as set forth in SCHEDULES 8.2 and 8.3,
respectively, hereto.

      1.36 Exhibits. Exhibit C to the Credit Agreement (Form of Covenant
Compliance Certificate) is hereby amended (i) to include, as part of Attachment
A thereto, the contents of EXHIBIT D and (ii) generally to incorporate, where
applicable, the amendments to the financial covenants in Article VII of the
Credit Agreement and to the related defined terms as set forth herein.

      2. Representations and Warranties. To induce the Administrative Agent and
the Lenders to enter into this Amendment, OCA represents and warrants to the
Administrative Agent and the Lenders, both before and after giving effect to the
OrthAlliance Acquisition, as follows:

      (a) Organization and Power. Each of OCA and its Subsidiaries (i) is a
corporation duly organized, validly existing and in good standing under the laws
of the jurisdiction of its incorporation, (ii) has the full corporate power and
authority to execute, deliver and perform this Amendment and the other Credit
Documents contemplated hereby (collectively, the "Second Amendment Credit
Documents") to which it is or will be a party, to own and hold its property and
to engage in its business as presently conducted, and (iii) is duly qualified to
do business as a foreign corporation and is in good standing in each
jurisdiction where the nature of its business or the ownership of its properties
requires it to be so qualified, except where the failure to be so qualified
would not, individually or in the aggregate, be reasonably likely to have a
Material Adverse Effect.

      (b) Authorization; Enforceability. Each of OCA and its Subsidiaries has
taken, or on the Second Amendment Effective Date will have taken, all necessary
corporate action to execute, deliver and perform each of the Second Amendment
Credit Documents to which it is or will be a party, and has, or on the Second
Amendment Effective Date (or any later date of execution and delivery) will
have, validly executed and delivered each of the Second Amendment Credit
Documents to which it is or will be a party. Each of the Credit Agreement (after
giving effect to this Amendment) and this Amendment constitutes, and each of the
other Second Amendment Credit Documents upon execution and delivery will
constitute, the legal, valid and binding obligation of each of OCA and its
Subsidiaries that is a party hereto or thereto, enforceable against it in
accordance with its terms, except as enforceability may be limited by
bankruptcy, insolvency, reorganization, moratorium or other similar laws
affecting creditors' rights generally, by general equitable principles or by
principles of good faith and fair dealing.

      (c) No Violation. The execution, delivery and performance by each of OCA
and its Subsidiaries of this Amendment and each of the other Second Amendment
Credit Documents to which it is or will be a party, and compliance by it with
the terms hereof and thereof, do not and will not (i) violate any provision of
its articles or certificate of incorporation or bylaws or contravene any other
Requirement of Law applicable to it, (ii) conflict with,

                                       22
<PAGE>
result in a breach of or constitute (with notice, lapse of time or both) a
default under any material indenture, agreement or other instrument to which it
is a party, by which it or any of its properties is bound or to which it is
subject, (iii) result in a Limitation on any Licenses applicable to the
business, operations or properties of OCA or any of its Subsidiaries or
adversely affect the ability of OCA or any of its Subsidiaries to participate in
any Third Party Payor Arrangement, or (iv) except for the Liens granted in favor
of the Collateral Agent pursuant to the Pledge Documents, result in or require
the creation or imposition of any Lien upon any of its properties or assets.

      (d) Governmental and Third-Party Authorization. No consent, approval,
authorization or other action by, notice to, or registration or filing with, any
Governmental Authority or other Person is or will be required as a condition to
or otherwise in connection with the due execution, delivery and performance by
each of OCA and its Subsidiaries of this Amendment or any of the other Second
Amendment Credit Documents to which it is or will be a party or the legality,
validity or enforceability hereof or thereof.

      (e) Litigation. There are no actions, investigations, suits or proceedings
pending or, to the knowledge of OCA, threatened, at law, in equity or in
arbitration, before any court, other Governmental Authority or other Person, (i)
against or affecting OCA, any of its Subsidiaries or, to the knowledge of OCA,
any Managed Practice, or any of their respective properties that would, if
adversely determined, be reasonably likely to have a Material Adverse Effect, or
(ii) with respect to this Amendment or any of the other Credit Documents.

      (f) Subsidiaries. SCHEDULE 1 sets forth a list, as of the Second Amendment
Effective Date and after giving effect to the OrthAlliance Acquisition, of all
of the Subsidiaries of OCA (including Inactive Subsidiaries that are
Subsidiaries of OrthAlliance, which are separately identified thereon) and, as
to each such Subsidiary, the percentage ownership (direct and indirect) of OCA
in each class of its capital stock and each direct owner thereof. Except for the
shares of capital stock expressly indicated on SCHEDULE 1, there are no shares
of capital stock, warrants, rights, options or other equity securities, or other
Capital Stock of any Subsidiary of OCA (other than Inactive Subsidiaries)
outstanding or reserved for any purpose. All outstanding shares of capital stock
of each Subsidiary of OCA (other than Inactive Subsidiaries) are duly and
validly issued, fully paid and nonassessable. Except as set forth on SCHEDULE 1,
as of the Second Amendment Effective Date and after giving effect to the
OrthAlliance Acquisition, neither OCA nor any Subsidiary is engaged in any joint
venture, partnership or similar arrangement with any other Person. SCHEDULE 2
sets forth a list, as of the Second Amendment Effective Date and after giving
effect to the OrthAlliance Acquisition, of all of the Subsidiaries of
OrthAlliance, Inc. that are not becoming Subsidiary Guarantors as of the Second
Amendment Effective Date. There are no Subsidiaries of OCA that were not
"Inactive Subsidiaries" (within the meaning of such term under the Credit
Agreement as in effect prior to this Amendment) prior to giving effect to this
Amendment and are Inactive Subsidiaries after giving effect to this Amendment.

      (g) Financial Matters. OCA has heretofore furnished to the Administrative
Agent copies of (i) the audited consolidated balance sheets of OrthAlliance and
its Subsidiaries as of December 31, 2000 and 1999, and the related statements of
income, cash flows and stockholders' equity for the fiscal years then ended,
together with the opinion of Arthur Andersen LLP thereon, and (ii) the unaudited
consolidated balance sheet of OrthAlliance and its Subsidiaries as of June 30,
2001, and the related statements of income and cash flows for the six-month
period then ended. Such financial statements have been prepared in accordance
with GAAP (subject, with respect to the unaudited financial statements, to the
absence of notes required by GAAP and to normal year-end adjustments) and
present fairly the financial condition of OrthAlliance and its Subsidiaries on a
consolidated basis as of the respective dates thereof and the consolidated
results of operations of OrthAlliance and its Subsidiaries for the respective
periods then ended. Except as fully reflected in the most recent financial
statements referred to above and the notes thereto, there are no material
liabilities or obligations with respect to OrthAlliance or any of its
Subsidiaries of any nature whatsoever (whether absolute, contingent or otherwise
and whether or not due) that are required to be reflected in such financial
statements or in the notes thereto and are not so reflected.

      (h) Solvency. Each of OCA and its Subsidiaries, after giving effect to the
OrthAlliance Acquisition and the consummation of the other transactions
contemplated by this Amendment, (i) has capital sufficient to carry on its
businesses as conducted and as proposed to be conducted, (ii) has assets with a
fair saleable value, determined on a going concern basis, (y) not less than the
amount required to pay the probable liability on its existing debts as they
become absolute and matured and (z) greater than the total amount of its
liabilities (including identified contingent liabilities, valued at the amount
that can reasonably be expected to become absolute and matured), and

                                       23
<PAGE>
(iii) does not intend to, and does not believe that it will, incur debts or
liabilities beyond its ability to pay such debts and liabilities as they mature.

      (i) Projections. OCA has prepared, and has heretofore furnished to the
Administrative Agent a copy of, annual projected balance sheets and statements
of income and cash flows of OCA for the five-year period following consummation
of the OrthAlliance Acquisition, giving effect to the consummation of the
OrthAlliance Acquisition, the initial extensions of credit under the Bridge
Credit Agreement and the consummation of the other transactions contemplated by
this Agreement, and the payment of transaction fees and expenses related to the
foregoing (the "New Projections"). In the opinion of management of OCA, the
assumptions used in the preparation of the New Projections were fair, complete
and reasonable when made and continue to be fair, complete and reasonable as of
the date hereof. The New Projections have been prepared in good faith by the
executive and financial personnel of OCA, are complete and represent a
reasonable estimate of the future performance and financial condition of OCA,
subject to the uncertainties and approximations inherent in any projections.

      (j) No Material Adverse Change. As of the date hereof and as of the Second
Amendment Effective Date, there has been no Material Adverse Change or
OrthAlliance Material Adverse Change since December 31, 2000, and there exists
no event, condition or state of facts that could reasonably be expected to
result in a Material Adverse Change or an OrthAlliance Material Adverse Change
(other than as disclosed in writing to the Administrative Agent prior to the
date hereof).

      (k) Other Representations and Warranties. Each of the representations and
warranties contained in this Amendment, the Credit Agreement and in the other
Credit Documents is true and correct on and as of the date hereof with the same
effect as if made on and as of the date hereof and will be true and correct on
and as of the Second Amendment Effective Date with the same effect as if made on
and as of such date (in each case, except to the extent any such representation
or warranty is expressly stated to have been made as of a specific date, in
which case such representation or warranty is true and correct as of such date).

      (l) No Default. No Default or Event of Default has occurred and is
continuing.

      3. OrthAlliance Acquisition; Waiver of Defaults Relating to Foreign
Subsidiary Investments.

      (a) The Required Lenders hereby approve the OrthAlliance Acquisition as a
Permitted Acquisition, subject to the satisfaction of the conditions set forth
in SECTION 4.

      (b) The Required Lenders hereby waive any and all Defaults and Events of
Default that have occurred as a consequence of Investments made by OCA in
Foreign Subsidiaries after the Closing Date (but only to the extent such
Investments total, in the aggregate, not more than $1,500,000 outstanding at any
time).

      4. Conditions of Effectiveness, Borrowing. The effectiveness of this
Amendment and the obligation of each Lender to make Loans on the Second
Amendment Effective Date (if requested by OCA) are subject to the satisfaction
of the following conditions precedent:

      (a) The Administrative Agent shall have received the following, each dated
as of the Second Amendment Effective Date (unless otherwise specified):

            (i) the Subsidiary Guaranty, duly completed and executed by OCA and
      each of its Subsidiaries (other than Inactive Subsidiaries and Foreign
      Subsidiaries) after giving effect to the OrthAlliance Acquisition;

            (ii) to the extent not previously provided to the Administrative
      Agent, an Intercompany Note, duly completed and executed by each
      Subsidiary executing the Subsidiary Guaranty;

            (iii) the OCA Pledge Agreement, duly completed and executed by OCA
      and each Subsidiary of OCA that owns Capital Stock of another Subsidiary
      other than an Inactive Subsidiary after giving effect to the OrthAlliance
      Acquisition (provided that the Capital Stock of Inactive Subsidiaries
      shall not be

                                       24
<PAGE>
      required to be pledged), together (to the extent not previously provided
      to the Administrative Agent) with any certificates evidencing the Capital
      Stock being pledged thereunder as of the Second Amendment Effective Date
      and undated assignments separate from certificate for any such
      certificate, duly executed in blank, and any promissory notes being
      pledged thereunder, duly endorsed in blank;

            (iv) the Intercreditor Agreement, duly completed and executed by the
      Bridge Agent (on behalf of itself and the Bridge Lenders) and
      countersigned by OCA and each Subsidiary executing the Subsidiary
      Guaranty; and

            (v) the favorable opinion of Waller Lansden Dortch & Davis, PLLC,
      special counsel to OCA and its Subsidiaries, addressed to the
      Administrative Agent and the Lenders, addressing such matters as the
      Administrative Agent may reasonably request and in form and substance
      satisfactory to the Administrative Agent.

      (b) The Administrative Agent shall have received a certificate, signed by
the president, the chief executive officer, the co-chief executive officer or
the chief financial officer of OCA, in form and substance satisfactory to the
Administrative Agent, certifying that (i) all representations and warranties of
OCA contained in this Amendment and the other Credit Documents are true and
correct as of the Second Amendment Effective Date, both immediately before and
after giving effect to the consummation of the transactions contemplated hereby,
the making of the Loans on the Second Amendment Effective Date and the
application of the proceeds thereof, (ii) no Default or Event of Default has
occurred and is continuing, both immediately before and after giving effect to
the consummation of the transactions contemplated hereby, the making of the
Loans on the Second Amendment Effective Date and the application of the proceeds
thereof, (iii) both immediately before and after giving effect to the
consummation of the transactions contemplated hereby, the making of the Loans on
the Second Amendment Effective Date and the application of the proceeds thereof,
and except as previously disclosed in writing to the Administrative Agent, no
Material Adverse Change or OrthAlliance Material Adverse Change has occurred
since December 31, 2000, and there exists no event, condition or state of facts
that could reasonably be expected to result in a Material Adverse Change or an
OrthAlliance Material Adverse Change, (iv) concurrently with the making of the
Loans on the Second Amendment Effective Date, the OrthAlliance Acquisition has
been consummated in accordance with the terms of the OrthAlliance Merger
Agreement and all other applicable documentation and in compliance with all
applicable Requirements of Law, without any amendment or waiver of any material
condition or other material provision thereof except as approved by the
Administrative Agent, and (v) all conditions to the effectiveness of this
Amendment, and to the extensions of credit hereunder and under the Credit
Agreement on the Second Amendment Effective Date, set forth in this Section and
in SECTION 4.2 of the Credit Agreement have been satisfied or waived as required
hereunder and thereunder.

      (c) The Administrative Agent shall have received a certificate of the
secretary or an assistant secretary of each of OCA and its Subsidiaries (other
than Inactive Subsidiaries), in form and substance satisfactory to the
Administrative Agent, certifying as follows:

            (i) in the case of OCA, (x) that since the Closing Date, there has
      been no amendment to or restatement of its certificate of incorporation as
      certified and delivered to the Administrative Agent on the Closing Date,
      (y) that since the Closing Date, there has been no amendment to its bylaws
      as certified and delivered to the Administrative Agent on the Closing
      Date, and (z) that attached thereto is a true and complete copy of
      resolutions adopted by its board of directors authorizing the execution,
      delivery and performance of this Amendment and the other Second Amendment
      Credit Documents to which it is a party, and attaching a copy of such
      resolutions;

            (ii) in the case of each such Subsidiary of OCA that is a Subsidiary
      Guarantor immediately before giving effect to the OrthAlliance
      Acquisition, (x) that since the Closing Date (or with respect to any such
      Subsidiary that became a Subsidiary Guarantor on a date after the Closing
      Date, such later date), there has been no amendment to or restatement of
      its articles or certificate of incorporation as certified and delivered to
      the Administrative Agent on the Closing Date (or such later date, as the
      case may be), (y) that since the Closing Date (or with respect to any such
      Subsidiary that became a Subsidiary Guarantor on a date after the Closing
      Date, such later date), there has been no amendment to its bylaws as
      certified and delivered to the Administrative Agent on the Closing Date
      (or such later date, as the case may be), and

                                       25
<PAGE>
      (z) that attached thereto is a true and complete copy of resolutions
      adopted by its board of directors authorizing the execution, delivery and
      performance of the Second Amendment Credit Documents to which it is a
      party, and attaching a copy of such resolutions (or, to the extent that
      the statements in clauses (x) and (y) above are not true with respect to
      any such Subsidiary, such certificate shall contain statements to the
      effect of those described in clauses (x) and (y), as applicable, of clause
      (iii) below); and

            (iii) in the case of each such Subsidiary of OCA that becomes a
      Subsidiary Guarantor as of the Second Amendment Effective Date, including
      OrthAlliance (collectively, "New Subsidiary Guarantors"), (x) that
      attached thereto is a true and complete copy of its articles or
      certificate of incorporation and all amendments thereto, certified as of a
      recent date by the Secretary of State of its jurisdiction of organization,
      and that the same has not been amended since the date of such
      certification, (y) that attached thereto is a true and complete copy of
      its bylaws as then in effect and as in effect at all times from the date
      on which the resolutions referred to in clause (z) below were adopted to
      and including the date of such certificate, and (z) that attached thereto
      is a true and complete copy of resolutions adopted by its board of
      directors authorizing the execution, delivery and performance of the
      Second Amendment Credit Documents to which it is a party, and as to the
      incumbency and genuineness of the signature of each officer of such
      Subsidiary executing any of such Second Amendment Credit Documents, and
      attaching all such copies of the documents described above.

      (d) The Administrative Agent shall have received copies of (i) a
certificate as of a recent date of the good standing of each New Subsidiary
Guarantor under the laws of its jurisdiction of organization, from the Secretary
of State (or comparable Governmental Authority) of such jurisdiction, (ii) a
certificate as of a recent date of the qualification of each New Subsidiary
Guarantor to conduct business as a foreign corporation in the jurisdiction in
which it primarily conducts business as of the Second Amendment Effective Date,
from the Secretary of State (or comparable Governmental Authority) of such
jurisdiction, and (iii) to the extent not provided under clauses (i) and (ii)
above, all good standing certificates and tax clearance or similar certificates
or letters as to each of OCA and its Subsidiaries delivered pursuant to the
Bridge Credit Agreement.

      (e) All aspects of the structure and documentation of the OrthAlliance
Acquisition (including the OrthAlliance Merger Agreement and all schedules and
exhibits thereto), and all legal matters, documentation and corporate or other
proceedings incident to the transactions contemplated hereby, shall be
satisfactory in form and substance to the Administrative Agent; and without
limitation of the foregoing, the Administrative Agent and the Lenders shall have
received with respect to the OrthAlliance Acquisition all documents,
certificates and other information required to be delivered under Section 6.9(c)
of the Credit Agreement in order for the OrthAlliance Acquisition to constitute
a Permitted Acquisition or as shall have been otherwise requested by the
Administrative Agent or any Lender.

      (f) All approvals, permits and consents of any Governmental Authorities or
other Persons required in connection with the execution and delivery of this
Amendment and the other Second Amendment Credit Documents and the consummation
of the transactions contemplated hereby and thereby shall have been obtained,
without the imposition of conditions that are not acceptable to the
Administrative Agent, and all related filings, if any, shall have been made, and
all such approvals, permits, consents and filings shall be in full force and
effect and the Administrative Agent shall have received such copies thereof as
it shall have requested; all applicable waiting periods shall have expired
without any adverse action being taken by any Governmental Authority having
jurisdiction; and no action, proceeding, investigation, regulation or
legislation shall have been instituted, threatened or proposed before, and no
order, injunction or decree shall have been entered by, any court or other
Governmental Authority, in each case to enjoin, restrain or prohibit, to obtain
substantial damages in respect of, or that is otherwise related to or arises out
of, this Amendment, any of the other Credit Documents or the consummation of the
transactions contemplated hereby, or that, in the opinion of the Administrative
Agent, could reasonably be expected to have a Material Adverse Effect.

      (g) Since the date thereof, the OrthAlliance Merger Agreement shall not
have been amended, modified or supplemented in any material respect, nor any
material condition or provision thereof waived, other than as approved by the
Administrative Agent and shall be in full force and effect; OCA shall have duly
complied with and performed all of its agreements and conditions set forth in
the OrthAlliance Merger Agreement required to be complied with or performed by
it on or prior to the closing date thereunder; and the Administrative Agent
shall have

                                       26
<PAGE>
received evidence satisfactory to it that, concurrently with the making of the
Loans on the Second Amendment Effective Date, the OrthAlliance Acquisition shall
be consummated in accordance with the terms of the OrthAlliance Merger Agreement
and all other applicable documentation and in compliance with all applicable
Requirements of Law, without any amendment or waiver of any material condition
or other material provision thereof except as approved by the Administrative
Agent.

      (h) The Administrative Agent shall be satisfied that OCA shall have
received gross cash proceeds of not less than $40,000,000 from the making of
Bridge Loans on terms and conditions and pursuant to documentation (including
the Bridge Credit Agreement and all other Bridge Credit Documents) satisfactory
to the Administrative Agent and the Lenders, and such cash proceeds shall have
been applied in repayment of the Terminating OrthAlliance Indebtedness and to
pay transaction fees and expenses in connection with the transactions
contemplated hereby.

      (i) The Administrative Agent shall have received evidence satisfactory to
it that (i) concurrently with the making of the Loans on the Second Amendment
Effective Date, (x) all principal, interest and other amounts outstanding with
respect to any Indebtedness of OrthAlliance or any of its Subsidiaries not
expressly permitted under SECTION 8.2 of the Credit Agreement (as amended
hereby) to remain outstanding on and after the Second Amendment Effective Date
or otherwise to be terminated, including all Indebtedness of OrthAlliance under
its Credit Agreement with First Union, as Agent, and certain lenders named
therein, dated as of April 14, 2000 (collectively, the "Terminating OrthAlliance
Indebtedness"), shall be repaid and satisfied in full and all guaranties thereof
by OrthAlliance or any of its Subsidiaries shall have been extinguished, (y) all
commitments to extend credit under the agreements and instruments relating
thereto shall be terminated, and (z) any Liens securing any Terminating
OrthAlliance Indebtedness shall be released and any related filings terminated
of record (or arrangements satisfactory to the Administrative Agent made
therefor), and (ii) any letters of credit outstanding with respect to
Terminating OrthAlliance Indebtedness shall have been terminated or canceled.

      (j) The Administrative Agent shall have received evidence in form and
substance satisfactory to it that all filings, recordings, registrations and
other actions necessary or, in the reasonable opinion of the Administrative
Agent, desirable to perfect the Liens created by the OCA Pledge Agreement shall
have been completed, or arrangements satisfactory to the Administrative Agent
for the completion thereof shall have been made.

      (k) Since December 31, 2000, both immediately before and after giving
effect to the consummation of the transactions contemplated by this Amendment,
there shall not have occurred any Material Adverse Change or OrthAlliance
Material Adverse Change or any event, condition or state of facts that could
reasonably be expected to result in a Material Adverse Change or an OrthAlliance
Material Adverse Change, except as disclosed in writing to the Administrative
Agent prior to the date of the Second Amendment.

      (l) OCA shall have paid all fees and expenses of the Administrative Agent
and the Lenders required hereunder, under the letter from the Administrative
Agent to OCA dated October 3, 2001, or under any other Credit Document to be
paid on or prior to the Second Amendment Effective Date (including fees and
expenses of counsel) in connection with this Amendment and the transactions
contemplated hereby.

      (m) The Administrative Agent shall have received (i) certified copies of
the New Projections, in form and substance satisfactory to the Administrative
Agent, and (ii) a Covenant Compliance Worksheet, duly completed and certified by
the chief financial officer of OCA and in form and substance satisfactory to the
Administrative Agent, demonstrating OCA's compliance with the financial
covenants set forth in ARTICLE VII of the Credit Agreement, determined on a pro
forma basis as of September 30, 2001 after giving effect to the consummation of
the OrthAlliance Acquisition, the making of the Loans and the Bridge Loans on
the Second Amendment Effective Date, the repayment of the Terminating
OrthAlliance Indebtedness, and the consummation of the other transactions
contemplated hereby.

      (n) The Administrative Agent shall have received written instructions from
an Authorized Officer of OCA, including wire transfer information, directing the
payment of the proceeds of the Loans to be made on the Second Amendment
Effective Date.

                                       27
<PAGE>
      (o) Each of the representations and warranties contained in ARTICLE V of
the Credit Agreement and in the other Credit Documents (including this
Amendment) shall be true and correct on and as of the Second Amendment Effective
Date with the same effect as if made on and as of such date, both immediately
before and after giving effect to the consummation of the transactions
contemplated by this Amendment (except to the extent any such representation or
warranty is expressly stated to have been made as of a specific date, in which
case such representation or warranty shall be true and correct as of such date).

      (p) No Default or Event of Default shall have occurred and be continuing
on the Second Amendment Effective Date, both immediately before and after giving
effect to the consummation of the transactions contemplated by this Amendment.

      (q) The Administrative Agent and each Lender shall have received such
other documents, certificates, opinions and instruments in connection with the
transactions contemplated hereby as it shall have reasonably requested.

      5. Foreign Subsidiaries. As promptly as reasonably possible after the
Second Amendment Effective Date, and in any event before January 31, 2002, OCA
will, and will cause each of its applicable Subsidiaries to, take all action as
may be reasonably requested by the Administrative Agent to pledge as security
for the Obligations 65% of the voting shares of OCA Japan Co., Ltd.

      6. Effect of Amendment. From and after the date hereof, all references to
the Credit Agreement set forth in any other Credit Document or other agreement
or instrument shall, unless otherwise specifically provided, be references to
the Credit Agreement as amended by this Amendment and as may be further amended,
modified, restated or supplemented from time to time. This Amendment is limited
as specified and shall not constitute or be deemed to constitute an amendment,
modification or waiver of any provision of the Credit Agreement except as
expressly set forth herein. Except as expressly amended hereby, the Credit
Agreement shall remain in full force and effect in accordance with its terms.

      7. Governing Law. This Amendment shall be governed by and construed and
enforced in accordance with the laws of the State of New York (including
Sections 5-1401 and 5-1402 of the New York General Obligations Law, but
excluding all other choice of law and conflicts of law rules).

      8. Severability. To the extent any provision of this Amendment is
prohibited by or invalid under the applicable law of any jurisdiction, such
provision shall be ineffective only to the extent of such prohibition or
invalidity and only in any such jurisdiction, without prohibiting or
invalidating such provision in any other jurisdiction or the remaining
provisions of this Amendment in any jurisdiction.

      9. Successors and Assigns. This Amendment shall be binding upon, inure to
the benefit of and be enforceable by the respective successors and assigns of
the parties hereto.

      10. Construction. The headings of the various sections and subsections of
this Amendment have been inserted for convenience only and shall not in any way
affect the meaning or construction of any of the provisions hereof.

      11. Counterparts. This Amendment may be executed in any number of
counterparts and by different parties hereto on separate counterparts, each of
which when so executed and delivered shall be an original, but all of which
shall together constitute one and the same instrument.

                                       28
<PAGE>
      IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their duly authorized officers as of the date first above written.

                                    FIRST UNION NATIONAL BANK, as Administrative
                                    Agent, as Collateral Agent and as Lender

                                    By:   /s/ Doug Davis

                                    Title:      Senior Vice President

                                    BANK OF AMERICA, N.A., as Documentation
                                    Agent and as Lender

                                    By:   /s/ Larry J. Gordon

                                    Title:      Principal

                                    BANK ONE, N.A., as Syndication Agent and as
                                    Lender

                                    By:   /s/ Steven Nance

                                    Title:      Vice President

                                    HIBERNIA NATIONAL BANK

                                    By:   /s/ Katherine Gonzalez

                                    Title:      Vice President

                                    WACHOVIA BANK, N.A.

                                    By:   /s/ Jeffrey A. Gipson

                                    Title:      Senior Vice President
<PAGE>
                              (signatures continued)

                              ORTHODONTIC CENTERS OF AMERICA, INC.

                              By:   /s/ Bartholomew F. Palmisano, Sr.

                              Title:  Chairman of the Board, President and
                                      Chief Executive Officer

                              ORTHODONTIC CENTERS OF ALABAMA, INC.
                              ORTHODONTIC CENTERS OF ARIZONA, INC.
                              ORTHODONTIC CENTERS OF ARKANSAS, INC.
                              ORTHODONTIC CENTERS OF CALIFORNIA, INC.
                              ORTHODONTIC CENTERS OF COLORADO, INC.
                              ORTHODONTIC CENTERS OF CONNECTICUT, INC.
                              ORTHODONTIC CENTERS OF FLORIDA, INC.
                              ORTHODONTIC CENTERS OF GEORGIA, INC.
                              ORTHODONTIC CENTERS OF HAWAII, INC.
                              ORTHODONTIC CENTERS OF IDAHO, INC.
                              ORTHODONTIC CENTERS OF ILLINOIS, INC.
                              ORTHODONTIC CENTERS OF INDIANA, INC.
                              ORTHODONTIC CENTERS OF KANSAS, INC.
                              ORTHODONTIC CENTERS OF KENTUCKY, INC.
                              ORTHODONTIC CENTERS OF LOUISIANA, INC.
                              ORTHODONTIC CENTERS OF MAINE, INC.
                              ORTHODONTIC CENTERS OF MARYLAND, INC.
                              ORTHODONTIC CENTERS OF MASSACHUSETTS, INC.
                              ORTHODONTIC CENTERS OF MICHIGAN, INC.
                              ORTHODONTIC CENTERS OF MINNESOTA, INC.
                              ORTHODONTIC CENTERS OF MISSISSIPPI, INC.
                              ORTHODONTIC CENTERS OF MISSOURI, INC.
                              ORTHODONTIC CENTERS OF NEVADA, INC.
                              ORTHODONTIC CENTERS OF NEW HAMPSHIRE, INC.
                              ORTHODONTIC CENTERS OF NEW JERSEY, INC.
                              ORTHODONTIC CENTERS OF NEW MEXICO, INC.
                              ORTHODONTIC CENTERS OF NEW YORK, INC.
                              ORTHODONTIC CENTERS OF NORTH CAROLINA, INC.
                              ORTHODONTIC CENTERS OF NORTH DAKOTA, INC.
                              ORTHODONTIC CENTERS OF OHIO, INC.
                              ORTHODONTIC CENTERS OF OKLAHOMA, INC.
                              ORTHODONTIC CENTERS OF OREGON, INC.
                              ORTHODONTIC CENTERS OF PENNSYLVANIA, INC.
                              ORTHODONTIC CENTERS OF PUERTO RICO, INC.
                              ORTHODONTIC CENTERS OF RHODE ISLAND, INC.
                              ORTHODONTIC CENTERS OF SOUTH CAROLINA, INC.
                              ORTHODONTIC CENTERS OF TENNESSEE, INC.
                              ORTHODONTIC CENTERS OF TEXAS, INC.
                              ORTHODONTIC CENTERS OF UTAH, INC.
                              ORTHODONTIC CENTERS OF VIRGINIA, INC.
                              ORTHODONTIC CENTERS OF WASHINGTON, INC.
                              ORTHODONTIC CENTERS OF WASHINGTON, D.C., INC.
                              ORTHODONTIC CENTERS OF WEST VIRGINIA, INC.
                              ORTHODONTIC CENTERS OF WISCONSIN, INC.
                              ORTHODONTIC CENTERS OF WYOMING, INC.
                              ORTHALLIANCE, INC.
                              ORTHALLIANCE FINANCE, INC.
<PAGE>
                              ORTHALLIANCE HOLDINGS, INC.
                              ORTHALLIANCE NEW IMAGE, INC.
                              ORTHALLIANCE PROPERTIES, INC.
                              ORTHALLIANCE SERVICES, INC.
                              PEDOALLIANCE, INC.
                              PEDOALLIANCE PROPERTIES, INC.

                              By:   /s/ Bartholomew F. Palmisano, Sr.

                              Title:      President<PAGE>
                                                                   EXHIBIT 10.14

                             BRIDGE CREDIT AGREEMENT

                                      among

                      ORTHODONTIC CENTERS OF AMERICA, INC.
                                  as Borrower,

                                       AND

                 CERTAIN DOMESTIC SUBSIDIARIES OF THE BORROWER,
                                 as Guarantors,

                                       AND

                         THE LENDERS IDENTIFIED HEREIN,

                                       AND

                             BANK OF AMERICA, N.A.,
                             as Administrative Agent

                          DATED AS OF NOVEMBER 9, 2001

                         BANC OF AMERICA SECURITIES LLC,
                     as Sole Lead Arranger and Book Manager
<PAGE>
                                TABLE OF CONTENTS

<TABLE>
<S>                                                                                    <C>
SECTION 1  DEFINITIONS AND ACCOUNTING TERMS..........................................   1
      1.1  Definitions...............................................................   1
      1.2  Computation of Time Periods and Other Definitional Provisions.............  12
      1.3  Accounting Terms/Calculation of Financial Covenants.......................  12
      1.4  Time......................................................................  12

SECTION 2  CREDIT FACILITY...........................................................  12
      2.1  Term Loans................................................................  12
      2.2  Continuations and Conversions.............................................  13
      2.3  Minimum Amounts...........................................................  13

SECTION 3  GENERAL PROVISIONS APPLICABLE TO TERM LOANS...............................  14
      3.1  Interest..................................................................  14
      3.2  Place and Manner of Payments..............................................  14
      3.3  Prepayments...............................................................  15
      3.4  Administrative Fees.......................................................  15
      3.5  Extension of Maturity Date; Payment in full at Maturity...................  15
      3.6  Computations of Interest and Fees.........................................  16
      3.7  Pro Rata Treatment........................................................  16
      3.8  Sharing of Payments.......................................................  17
      3.9  Capital Adequacy..........................................................  17
      3.10 Eurodollar Provisions.....................................................  17
      3.11 Illegality................................................................  18
      3.12 Requirements of Law.......................................................  18
      3.13 Taxes.....................................................................  18
      3.14 Compensation..............................................................  20
      3.15 Determination and Survival of Provisions..................................  21

SECTION 4  GUARANTY..................................................................  21
      4.1  Guaranty of Payment.......................................................  21
      4.2  Obligations Unconditional.................................................  21
      4.3  Modifications.............................................................  22
      4.4  Waiver of Rights..........................................................  22
      4.5  Reinstatement.............................................................  22
      4.6  Remedies..................................................................  22
      4.7  Limitation of Guaranty....................................................  22
      4.8  Rights of Contribution....................................................  23

SECTION 5  CONDITIONS PRECEDENT......................................................  23
      5.1  Closing Conditions........................................................  23
      5.2  Conditions to All Extensions of Credit....................................  26

SECTION 6  REPRESENTATIONS, WARRANTIES AND COVENANTS.................................  26
      6.1  Representations and Warranties............................................  26
      6.2  Covenant Regarding Additional Credit Parties and Collateral...............  28
      6.3  Incorporation of Additional Representations, Warranties and Covenants.....  28

SECTION 7  EVENTS OF DEFAULT.........................................................  29
      7.1  Event of Default..........................................................  29
      7.2  Acceleration; Remedies....................................................  31
      7.3  Allocation of Payments After Event of Default.............................  32

SECTION 8  AGENCY PROVISIONS.........................................................  33
</TABLE>

                                       i
<PAGE>
<TABLE>
<S>                                                                                    <C>
      8.1  Appointment...............................................................  33
      8.2  Delegation of Duties......................................................  33
      8.3  Exculpatory Provisions....................................................  33
      8.4  Reliance on Communications................................................  33
      8.5  Notice of Default.........................................................  34
      8.6  Non-Reliance on Administrative Agent and Other Lenders....................  34
      8.7  Indemnification...........................................................  35
      8.8  Administrative Agent in Its Individual Capacity...........................  35
      8.9  Successor Agent...........................................................  35
      8.10 Intercreditor Agreement...................................................  35

SECTION 9  MISCELLANEOUS.............................................................  36
      9.1  Notices...................................................................  36
      9.2  Right of Set-Off..........................................................  36
      9.3  Benefit of Agreement......................................................  36
      9.4  No Waiver; Remedies Cumulative............................................  38
      9.5  Payment of Expenses; Indemnification......................................  38
      9.6  Amendments, Waivers and Consents..........................................  39
      9.7  Counterparts/Telecopy.....................................................  40
      9.8  Headings..................................................................  40
      9.9  Survival of Indemnification...............................................  40
      9.10 Governing Law; Venue; Jurisdiction........................................  40
      9.11 Waiver of Jury Trial; Waiver of Consequential Damages.....................  40
      9.12 Severability..............................................................  41
      9.13 Further Assurances........................................................  41
      9.14 Confidentiality...........................................................  41
      9.15 Entirety..................................................................  41
      9.16 Binding Effect; Continuing Agreement......................................  41
      9.17 Conflict with Intercreditor Agreement.....................................  42
</TABLE>

                                       ii
<PAGE>
SCHEDULES

Schedule 1.1(a)     Commitment Percentages/Lending Offices
Schedule 6.1(g)     Subsidiaries
Schedule 9.1        Notices

EXHIBITS

Exhibit 2.1(b)      Form of Notice of Borrowing
Exhibit 2.1(c)      Form of Term Note
Exhibit 2.2         Form of Notice of Continuation/Conversion
Exhibit 6.2         Form of Joinder Agreement
Exhibit 9.3(b)      Form of Assignment Agreement

                                      iii
<PAGE>
                             BRIDGE CREDIT AGREEMENT

      THIS BRIDGE CREDIT AGREEMENT (this "Credit Agreement") is entered into as
of November 9, 2001 among ORTHODONTIC CENTERS OF AMERICA, INC., a Delaware
corporation, as Borrower, certain Domestic Subsidiaries of the Borrower, as
Guarantors, the Lenders and BANK OF AMERICA, N.A., as Administrative Agent for
the Lenders.

                                    RECITALS

      WHEREAS, the Borrower and the Guarantors have requested the Lenders to
provide a senior bridge credit facility to the Borrower in an aggregate
principal amount of up to $50,000,000; and

      WHEREAS, the Lenders party hereto have agreed to make the requested senior
bridge credit facility available to the Borrower on the terms and conditions
hereinafter set forth.

      NOW, THEREFORE, IN CONSIDERATION of the premises and other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties hereto agree as follows:

                                    SECTION 1

                        DEFINITIONS AND ACCOUNTING TERMS

      1.1   DEFINITIONS.

      As used herein, the following terms shall have the meanings herein
specified unless the context otherwise requires. Defined terms herein shall
include in the singular number the plural and in the plural the singular:

            "Additional Incorporated Terms" has the meaning set forth in Section
      6.3.

            "Adjusted Base Rate" means the Base Rate plus the Applicable
      Percentage.

            "Adjusted Eurodollar Rate" means the Eurodollar Rate plus the
      Applicable Percentage.

            "Administrative Agent" means Bank of America, N.A. (or any successor
      thereto) or any successor administrative agent appointed pursuant to
      Section 8.9.

            "Administrative Fees" has the meaning set forth in Section 3.4.

            "Affiliate" means, with respect to any Person, any other Person
      directly or indirectly controlling (including but not limited to all
      directors and officers of such Person), controlled by or under direct or
      indirect common control with such Person. A Person shall be deemed to
      control a corporation if such Person possesses, directly or indirectly,
      the power (a) to vote 10% or more of the securities having ordinary voting
      power for the election of directors of such corporation or (b) to direct
      or cause direction of the management and policies of such corporation,
      whether through the ownership of voting securities, by contract or
      otherwise.

            "Agency Services Address" means Bank of America, N.A.,
      NC1-001-15-04, 101 North Tryon Street, Charlotte, North Carolina 28255,
      Attn: Credit Services, or such other address as may be identified by
      written notice from the Administrative Agent to the Borrower.

            "Agent-Related Person" means the Administrative Agent (including any
      successor administrative agent), together with its Affiliates (including,
      in the case of Bank of America in its capacity as the Administrative
      Agent, BAS), and their respective officers, directors, employees, agents,
      counsel and attorneys-in-fact.
<PAGE>
            "Agreement and Plan of Merger" means that certain Agreement and Plan
      of Merger, dated as of May 16, 2001, among the Borrower, OCA Acquisition
      Corporation and OrthAlliance.

            "Applicable Percentage" means the appropriate applicable percentages
      corresponding to the time periods set forth below:

<TABLE>
<CAPTION>
                                                                  Applicable
                                                 Applicable       Percentage
                     Time Period               Percentage for      for Base
                                              Eurodollar Loans    Rate Loans
<S>                                           <C>                 <C>
            From the Closing Date through
                  February 28, 2002                 2.25%             1.25%
              From March 1, 2002 through            2.75%             1.75%
                    May 31, 2002
              From June 1, 2002 through             3.25%             2.25%
                  August 31, 2002
             From September 1, 2002 to
             the first anniversary of
                  the Closing Date                  3.75%             2.75%
</TABLE>

      Any adjustment in the Applicable Percentages pursuant to the above pricing
      grid shall be applicable to all existing Eurodollar Loans and Base Rate
      Loans as well as any new Eurodollar Loans and Base Rate Loans.
      Notwithstanding the above pricing grid nor the limitation on interest
      rates in the last paragraph of Section 3.1(a), in no event shall the
      Applicable Percentages for Eurodollar Loans and Base Rate Loans, as of any
      date of determination, be less than the corresponding applicable
      percentages in the Revolving Senior Credit Agreement.

            "Attorney Costs" means all reasonable fees and disbursements of any
      law firm or other external counsel and the reasonable allocated cost of
      internal legal services and all disbursements of internal counsel.

            "Authorized Officer" means any of the president, chief executive
      officer, chief financial officer or treasurer of the Borrower.

            "Bank of America" means Bank of America, N.A. or any successor
      thereto.

            "Bankruptcy Code" means the Bankruptcy Code in Title 11 of the
      United States Code, as amended, modified, succeeded or replaced from time
      to time.

            "BAS" means Banc of America Securities LLC.

            "Base Rate" means, for any day, the rate per annum (rounded upwards,
      if necessary, to the nearest whole multiple of 1/100 of 1%) equal to the
      greater of (a) the Federal Funds Rate in effect on such day plus -1/2 of
      1% or (b) the Prime Rate in effect on such day. If for any reason the
      Administrative Agent shall have determined (which determination shall be
      conclusive absent manifest error) that it is unable after due inquiry to
      ascertain the Federal Funds Rate for any reason, including the inability
      or failure of the Administrative Agent to obtain sufficient quotations in
      accordance with the terms hereof, the Base Rate shall be determined
      without regard to clause (a) of the first sentence of this definition
      until the circumstances giving rise to such inability no longer exist. Any
      change in the Base Rate due to a change in the Prime Rate or the Federal
      Funds Rate shall be effective at the opening of business on the day
      specified in the public announcement of such change.

            "Base Rate Loan" means any Term Loan bearing interest at a rate
      determined by reference to the Base Rate.

            "Benefited Parties" has the meaning set forth in the Intercreditor
      Agreement.

                                       2
<PAGE>
            "Borrower" means Orthodontic Centers of America, Inc., a Delaware
      corporation, together with its successors and permitted assigns.

            "Business Day" means any day other than a Saturday, a Sunday, a
      legal holiday or a day on which banking institutions are authorized or
      required by law or other governmental action to close in New York, New
      York or Charlotte, North Carolina; provided that in the case of Eurodollar
      Loans, such day is also a day on which dealings between banks are carried
      on in Dollar deposits in the London interbank market.

            "Capital Stock" means (a) in the case of a corporation, all classes
      of capital stock of such corporation, (b) in the case of a partnership,
      partnership interests (whether general or limited), (c) in the case of a
      limited liability company, membership interests and (d) any other interest
      or participation that confers on a Person the right to receive a share of
      the profits and losses of, or distributions of assets of, the issuing
      Person; and in each case, any and all warrants, rights or options to
      purchase any of the foregoing.

            "Closing Date" means the date hereof, which is the date on which the
      conditions set forth in Section 5.1 were fulfilled (or waived in the sole
      discretion of the Lenders) and on which the initial Term Loans were made.

            "Code" means the Internal Revenue Code of 1986 and the rules and
      regulations promulgated thereunder, as amended, modified, succeeded or
      replaced from time to time.

            "Collateral" has the meaning set forth in the Collateral Documents.

            "Collateral Agent" means First Union National Bank, in its capacity
      as collateral agent for the Benefited Parties pursuant to the terms of the
      Intercreditor Agreement and the other Credit Documents, and its successors
      and permitted assigns in such capacity.

            "Collateral Documents" means a collective reference to the Pledge
      and Security Agreement and such other documents, instruments and
      agreements executed and delivered in connection with the attachment and
      perfection of the Administrative Agent's security interests and liens
      arising thereunder, including without limitation, Uniform Commercial Code
      financing statements.

            "Commitment" means the commitment of each Lender with respect to the
      Committed Amount.

            "Commitment Percentage" means, for each Lender, the percentage
      identified as its Commitment Percentage on Schedule 1.1(a), as such
      percentage may be modified in connection with any assignment made in
      accordance with the provisions of Section 9.3.

            "Committed Amount" means FIFTY MILLION DOLLARS ($50,000,000).

            "Contingent Obligation" means, with respect to any Person, any
      direct or indirect liability of such Person with respect to any
      Indebtedness, liability or other obligation (the "primary obligation") of
      another Person (the "primary obligor"), whether or not contingent, (a) to
      purchase, repurchase or otherwise acquire such primary obligation or any
      property constituting direct or indirect security therefor, (b) to advance
      or provide funds (i) for the payment or discharge of any such primary
      obligation or (ii) to maintain working capital or equity capital of the
      primary obligor or otherwise to maintain the net worth or solvency or any
      balance sheet item, level of income or financial condition of the primary
      obligor, (c) to purchase property, securities or services primarily for
      the purpose of assuring the owner of any such primary obligation of the
      ability of the primary obligor in respect thereof to make payment of such
      primary obligation or (d) otherwise to assure or hold harmless the owner
      of any such primary obligation against loss or failure or inability to
      perform in respect thereof; provided, however, that, with respect to the
      Borrower and its Subsidiaries, the term Contingent Obligation shall not
      include endorsements for collection or deposit in the ordinary course of
      business. The amount of any Contingent Obligation of any Person shall be
      deemed to be an amount equal to the maximum amount of such Person's
      liability with respect to the stated or determinable amount of the primary
      obligation for which such Contingent Obligation is incurred or, if not
      stated or determinable, the maximum reasonably anticipated liability in
      respect thereof (assuming such

                                       3
<PAGE>
      Person is required to perform thereunder).

            "Credit Agreement" has the meaning set forth in the Preamble hereof.

            "Credit Documents" means this Credit Agreement, the Term Notes, the
      Collateral Documents, any Joinder Agreement, the Intercreditor Agreement,
      any Notice of Borrowing, any Notice of Continuation/Conversion and any
      other document, agreement or instrument entered into or executed in
      connection with the foregoing.

            "Credit Exposure" has the meaning set forth in the definition of
      Required Lenders in this Section 1.1.

            "Credit Parties" means the Borrower and the Guarantors and "Credit
      Party" means any one of them.

            "Credit Party Obligations" means, without duplication, (a) all of
      the obligations of the Credit Parties to the Lenders and the
      Administrative Agent, whenever arising, under this Credit Agreement, the
      Term Notes, or any of the other Credit Documents to which any Credit Party
      is a party and (b) all liabilities and obligations owing from such Credit
      Party to any Lender, or any Affiliate of a Lender, arising under Hedging
      Agreements permitted hereunder.

            "Debt Issuance" means the issuance, incurrence or sale by any Credit
      Party or any of its Subsidiaries of any debt securities or other
      Indebtedness, whether in a public offering of such securities or
      otherwise, other than any Indebtedness expressly permitted under Section
      8.2 (excluding Section 8.2(v)) of the Incorporated Covenants.

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

            "Defaulting Lender" means, at any time, any Lender that, (a) has
      failed to make a Term Loan (but only for so long as such Term Loan is not
      made), (b) has failed to pay to the Administrative Agent or any Lender an
      amount owed by such Lender pursuant to the terms of this Credit Agreement
      (but only for so long as such amount has not been repaid) or (c) has been
      deemed insolvent or has become subject to a bankruptcy or insolvency
      proceeding or to a receiver, trustee or similar official.

            "Disqualified Capital Stock" means, with respect to any Person, any
      Capital Stock of such Person that, by its terms (or by the terms of any
      security into which it is convertible or for which it is exchangeable), or
      upon the happening of any event or otherwise, (a) matures or is
      mandatorily redeemable or subject to any mandatory repurchase requirement,
      pursuant to a sinking fund obligation or otherwise, (b) is redeemable or
      subject to any mandatory repurchase requirement at the sole option of the
      holder thereof, or (c) is convertible into or exchangeable for (whether at
      the option of the issuer or the holder thereof) (i) debt securities or
      (ii) any Capital Stock referred to in (a) or (b) above, in each case under
      (a), (b) or (c) above at any time on or prior to the first anniversary of
      the Extended Maturity Date; provided, however, that only the portion of
      Capital Stock that so matures or is mandatorily redeemable, is so
      redeemable at the option of the holder thereof, or is so convertible or
      exchangeable on or prior to such date shall be deemed to be Disqualified
      Capital Stock.

            "Dollars" and "$" means dollars in lawful currency of the United
      States of America.

            "Domestic Subsidiary" means each direct and indirect Subsidiary of
      the Borrower that is organized under the laws of the United States of
      America or any state thereof or the District of Columbia.

            "Eligible Assignee" means (a) a Lender; (b) an Affiliate of a
      Lender; and (c) any other Person approved by the Administrative Agent and
      the Borrower (such approval not to be unreasonably withheld or delayed);
      provided that (i) the Borrower's consent is not required during the
      existence and continuation of a Default or an Event of Default, (ii)
      approval by the Borrower shall be deemed given if no objection is received
      by the assigning Lender and the Administrative Agent from the Borrower
      within five Business

                                       4
<PAGE>
      Days after notice of such proposed assignment has been delivered to the
      Borrower; and (iii) neither the Borrower nor an Affiliate of the Borrower
      shall qualify as an Eligible Assignee.

            "Equity Issuance" means the issuance, sale or other disposition by a
      Credit Party or any of its Subsidiaries of its Capital Stock, any rights,
      warrants or options to purchase or acquire any shares of its Capital Stock
      or any other security or instrument representing, convertible into or
      exchangeable for an equity interest in such Credit Party or any of its
      Subsidiaries; provided, however, that the term Equity Issuance shall not
      include (a) the issuance or sale of Capital Stock by any of the
      Subsidiaries of the Borrower to the Borrower or any other Subsidiary;
      provided that such Capital Stock is pledged to the Collateral Agent
      pursuant to a Pledge and Security Agreement, (b) any Capital Stock of the
      Borrower issued or sold in connection with any Permitted Acquisition and
      constituting all or a portion of the applicable purchase price, or (c) any
      rights, options or other Capital Stock issued pursuant to bona fide
      employee, director or Managed Practice stock option or purchase plans or
      arrangements approved by the Borrower's board of directors or upon the
      exercise of rights or options issued under any such plan or arrangement.

            "ERISA" means the Employee Retirement Income Security Act of 1974,
      as amended from time to time, and any successor statute, and all rules and
      regulations from time to time promulgated thereunder.

            "ERISA Affiliate" means any Person (including any trade or business,
      whether or not incorporated) that would be deemed to be under "common
      control" with, or a member of the same "controlled group" as, any Credit
      Party or any of its Subsidiaries, within the meaning of Sections 414(b),
      (c), (m) or (o) of the Code or Section 4001 of ERISA.

            "ERISA Event" means any of the following with respect to a Plan or
      Multiemployer Plan, as applicable: (a) a Reportable Event with respect to
      a Plan or a Multiemployer Plan, (b) a complete or partial withdrawal by
      any Credit Party, any of its Subsidiaries or any ERISA Affiliate from a
      Multiemployer Plan that results in liability under Section 4201 or 4204 of
      ERISA, or the receipt by any Credit Party, any of its Subsidiaries or any
      ERISA Affiliate of notice from a 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 of
      ERISA, (c) the distribution by any Credit Party, any of its Subsidiaries
      or any ERISA Affiliate under Section 4041 or 4041A of ERISA of a notice of
      intent to terminate any Plan or the taking of any action to terminate any
      Plan, (d) the commencement of proceedings by the PBGC under Section 4042
      of ERISA for the termination of, or the appointment of a trustee to
      administer, any Plan, or the receipt by any Credit Party, any of its
      Subsidiaries or any ERISA Affiliate of a notice from any Multiemployer
      Plan that such action has been taken by the PBGC with respect to such
      Multiemployer Plan, (e) the institution of a proceeding by any fiduciary
      of any Multiemployer Plan against any Credit Party, any of its
      Subsidiaries or any ERISA Affiliate to enforce Section 515 of ERISA, which
      is not dismissed within thirty (30) days, (f) the imposition upon any
      Credit Party, any of its Subsidiaries or any ERISA Affiliate of any
      liability under Title IV of ERISA, other than for PBGC premiums due but
      not delinquent under Section 4007 of ERISA, or the imposition or
      threatened imposition of any Lien upon any assets of any Credit Party, any
      of its Subsidiaries or any ERISA Affiliate as a result of any alleged
      failure to comply with the Code or ERISA in respect of any Plan, (g) the
      engaging in or otherwise becoming liable for a nonexempt Prohibited
      Transaction by any Credit Party, any of its Subsidiaries or any ERISA
      Affiliate, (h) a violation of the applicable requirements of Section 404
      or 405 of ERISA or the exclusive benefit rule under Section 401(a) of the
      Code by any fiduciary of any Plan for which any Credit Party, any of its
      Subsidiaries or any ERISA Affiliate may be directly or indirectly liable
      or (i) the adoption of an amendment to any Plan that, pursuant to Section
      401(a)(29) of the Code or Section 307 of ERISA, would result in the loss
      of tax-exempt status of the trust of which such Plan is a part if any
      Credit Party, any of its Subsidiaries or any ERISA Affiliate fails to
      timely provide security to such Plan in accordance with the provisions of
      such sections.

            "Eurodollar Loan" means a Term Loan bearing interest based at a rate
      determined by reference to the Eurodollar Rate.

                                       5
<PAGE>
            "Eurodollar Rate" means, for the Interest Period for each Eurodollar
      Loan comprising part of the same borrowing (including conversions,
      extensions and renewals), a per annum interest rate determined pursuant to
      the following formula:

            Eurodollar Rate =    London Interbank Offered Rate
                               ---------------------------------
                               1 - Eurodollar Reserve Percentage

            "Eurodollar Reserve Percentage" means for any day, that percentage
      (expressed as a decimal) which is in effect from time to time under
      Regulation D, as such regulation may be amended from time to time or any
      successor regulation, as the maximum reserve requirement (including,
      without limitation, any basic, supplemental, emergency, special, or
      marginal reserves) applicable with respect to Eurodollar liabilities as
      that term is defined in Regulation D (or against any other category of
      liabilities that includes deposits by reference to which the interest rate
      of Eurodollar Loans is determined), whether or not a Lender has any
      Eurodollar liabilities subject to such reserve requirement at that time.
      Eurodollar Loans shall be deemed to constitute Eurodollar liabilities and
      as such shall be deemed subject to reserve requirements without benefits
      of credits for proration, exceptions or offsets that may be available from
      time to time to a Lender. The Eurodollar Rate shall be adjusted
      automatically on and as of the effective date of any change in the
      Eurodollar Reserve Percentage.

            "Event of Default" has the meaning set forth in Section 7.1.

            "Extended Maturity Date" has the meaning set forth in Section
      3.5(a).

            "Federal Funds Rate" means for any day the rate per annum (rounded
      upward, if necessary, to the nearest 1/100th 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 that (a) if such day is not a
      Business Day, the Federal Funds Rate for such day shall be such rate on
      such transactions on the next preceding Business Day and (b) if no such
      rate is so published on such next preceding Business Day, the Federal
      Funds Rate for such day shall be the average rate quoted to the
      Administrative Agent on such day on such transactions from three Federal
      Funds brokers of recognized standing selected by it.

            "Fee Letter" means that certain letter agreement, dated as of
      October 24, 2001, among the Borrower, Bank of America and BAS, as amended,
      modified, supplemented or restated from time to time.

            "GAAP" means generally accepted accounting principles in the United
      States applied on a consistent basis and subject to Section 1.3.

            "Governmental Authority" means any domestic or foreign nation or
      government, any state or other political subdivision thereof and any
      central bank thereof, any municipal, local, city or county government, and
      any entity exercising executive, legislative, judicial, regulatory or
      administrative functions of or pertaining to government (including,
      without limitation, any state dental board) and any corporation or other
      entity owned or controlled, through stock or capital ownership or
      otherwise, by any of the foregoing.

            "Guarantor" means each of the direct or indirect Domestic
      Subsidiaries of the Borrower (other than Inactive Subsidiaries) and each
      other Person who becomes a Guarantor hereunder, together with their
      successors and permitted assigns.

            "Guaranty" means the guaranty of the Credit Party Obligations
      provided by the Guarantors pursuant to Section 4.

            "Hedging Agreements" means, collectively, interest rate protection
      agreements, foreign currency exchange agreements, commodity purchase or
      option agreements or other interest or exchange rate or commodity price
      hedging agreements, in each case, entered into or purchased by a Credit
      Party.

            "Inactive Subsidiary" means any Subsidiary of the Borrower (i) the
      Capital Stock of which is or has been acquired by the Borrower or any of
      its Subsidiaries from individuals who enter into a Service

                                       6
<PAGE>
      Agreement in the ordinary course of the Borrower's or its Subsidiaries'
      acquisition program, (ii) the total assets of which do not exceed, on a
      book value basis, $25,000 at any one time and (iii) that has no active or
      customer revenue and which does not conduct any active trade or business;
      provided, however, that in no event shall a Subsidiary that is a guarantor
      of the Borrower's obligations under the Revolving Senior Credit Agreement
      be an Inactive Subsidiary.

            "Incorporated Covenants" has the meaning set forth in Section 6.3.

            "Incorporated Representations and Warranties" has the meaning set
      forth in Section 6.3.

            "Indebtedness" means, with respect to any Person (without
      duplication), (a) all indebtedness and obligations of such Person for
      borrowed money or in respect of loans or advances of any kind, (b) all
      obligations of such Person evidenced by notes, bonds, debentures or
      similar instruments, (c) all reimbursement obligations of such Person with
      respect to surety bonds, letters of credit and bankers' acceptances (in
      each case, whether or not drawn or matured and in the stated amount
      thereof), (d) all obligations of such Person to pay the deferred purchase
      price of property or services, (e) all indebtedness created or arising
      under any conditional sale or other title retention agreement with respect
      to property acquired by such Person, (f) all obligations of such Person as
      lessee under leases that are or are required to be, in accordance with
      GAAP, recorded as capital leases, to the extent such obligations are
      required to be so recorded, (g) all Disqualified Capital Stock issued by
      such Person, with the amount of Indebtedness represented by such
      Disqualified Capital Stock being equal to the greater of its voluntary or
      involuntary liquidation preference and its maximum fixed repurchase price,
      but excluding accrued dividends, if any (for purposes hereof, the "maximum
      fixed repurchase price" of any Disqualified Capital Stock that does not
      have a fixed repurchase price shall be calculated in accordance with the
      terms of such Disqualified Capital Stock as if such Disqualified Capital
      Stock were purchased on any date on which Indebtedness shall be required
      to be determined pursuant to this Credit Agreement, and if such price is
      based upon, or measured by, the fair market value of such Disqualified
      Capital Stock, such fair market value shall be determined reasonably and
      in good faith by the board of directors or other governing body of the
      issuer of such Disqualified Capital Stock), (h) the net termination
      obligations of such Person under any Hedging Agreements, calculated as of
      any date as if such agreement or arrangement were terminated as of such
      date, (i) all Contingent Obligations of such Person, (j) all obligations
      and liabilities of such Person incurred in connection with any transaction
      or series of transactions providing for the financing of assets through
      one or more securitizations or in connection with, or pursuant to, any
      synthetic lease or similar off-balance sheet financing, (k) the aggregate
      amount of uncollected accounts receivable of such Person subject at the
      time of determination to a sale of receivables (or similar transaction) to
      the extent such transaction is effected with recourse to such Person
      (whether or not such transaction would be reflected on the balance sheet
      of such Person in accordance with GAAP), and (l) all indebtedness referred
      to in clauses (a) through (k) above secured by any Lien on any property or
      asset owned or held by such Person regardless of whether the indebtedness
      secured thereby shall have been assumed by such Person or is nonrecourse
      to the credit of such Person.

            "Indemnified Liabilities" has the meaning set forth in Section 9.5.

            "Intercompany Notes" means the intercompany notes evidencing
      Indebtedness permitted pursuant to Section 8.1(iv) of the Incorporated
      Covenants.

            "Intercreditor Agreement" means the Intercreditor Agreement, dated
      as of the Closing Date, among the Administrative Agent (on behalf of
      itself and the Lenders), the Revolver Agent (on behalf of itself and the
      Revolver Lenders) and the Collateral Agent, as amended, modified,
      supplemented or restated from time to time with the consent of the
      Administrative Agent.

            "Interest Payment Date" means (a) as to Base Rate Loans, the first
      day of each calendar month and the Maturity Date or the Extended Maturity
      Date (if the Maturity Date is extended in accordance with the terms of
      Section 3.5(a)) and (b) as to Eurodollar Loans, the last day of each
      applicable Interest Period and the Maturity Date or the Extended Maturity
      Date (if the Maturity Date is extended in accordance with the terms of
      Section 3.5(a)).

                                       7
<PAGE>
            "Interest Period" means, as to Eurodollar Loans, a period of one
      month duration commencing on the date of the borrowing (including
      continuations and conversions thereof); provided, however, (a) if any
      Interest Period would end on a day which is not a Business Day, such
      Interest Period shall be extended to the next succeeding Business Day
      (except that where the next succeeding Business Day falls in the next
      succeeding calendar month, then on the next preceding Business Day), (b)
      no Interest Period shall extend beyond the Maturity Date or the Extended
      Maturity Date (if the Maturity Date is extended in accordance with the
      terms of Section 3.5(a)) and (c) where an Interest Period begins on a day
      for which there is no numerically corresponding day in the calendar month
      in which the Interest Period is to end, such Interest Period shall end on
      the last Business Day of such calendar month.

            "Joinder Agreement" means a joinder agreement substantially in the
      form of Exhibit 6.2.

            "Lender" means any of the Persons identified as a "Lender" on the
      signature pages hereto, and any Eligible Assignee which may become a
      Lender by way of assignment in accordance with the terms hereof, together
      with their successors and permitted assigns.

            "Lending Office" means, as to any Lender, the office or offices of
      such Lender described as such on Schedule 1.1(a), or such other office or
      offices as a Lender may from time notify to the Borrower and the
      Administrative Agent.

            "Lien" means any mortgage, pledge, hypothecation, assignment,
      security interest, lien (statutory or otherwise), preference, priority,
      charge or other encumbrance of any nature, whether voluntary or
      involuntary, including, without limitation, the interest of any vendor or
      lessor under any conditional sale agreement, title retention agreement,
      capital lease or any other lease or arrangement having substantially the
      same effect as any of the foregoing.

            "Licenses" means any and all licenses (including provisional
      licenses), certificates of need, accreditations, permits, franchises,
      rights to conduct business, approvals (by a Governmental Authority or
      otherwise), consents, qualifications, operating authority and any other
      authorizations.

            "Limitation" means a revocation, suspension, termination,
      impairment, probation, limitation, non-renewal, forfeiture, declaration of
      ineligibility, loss of status as a participating provider in a Third Party
      Payor Arrangement, and the loss of any other rights.

            "London Interbank Offered Rate" means, with respect to any
      Eurodollar Loan for the Interest Period applicable thereto, the rate of
      interest per annum appearing on Telerate Page 3750 (or any successor page)
      as the London interbank offered rate for deposits in Dollars at
      approximately 11:00 A.M. (London time) two Business Days prior to the
      first day of such Interest Period for a term comparable to such Interest
      Period; provided, however, if more than one rate is specified on Telerate
      Page 3750, the applicable rate shall be the arithmetic mean of all such
      rates. If, for any reason, such rate is not available, the term "London
      Interbank Offered Rate" shall mean, with respect to any Eurodollar Loan
      for the Interest Period applicable thereto, the rate of interest per annum
      appearing on Reuters Screen LIBO Page as the London interbank offered rate
      for deposits in Dollars at approximately 11:00 A.M. (London time) two
      Business Days prior to the first day of such Interest Period for a term
      comparable to such Interest Period; provided, however, if more than one
      rate is specified on Reuters Screen LIBO Page, the applicable rate shall
      be the arithmetic mean of all such rates.

            "Managed Practice" means any dentist, orthodontist, professional
      association, professional corporation, partnership or similar Person for
      whose practice a Credit Party or any of its Subsidiaries provides
      business, management, administrative or other non-clinical support
      services pursuant to a Service Agreement.

            "Material Adverse Change" means a material adverse change in the
      condition (financial or otherwise), operations, business, performance,
      properties or assets of the Credit Parties and their Subsidiaries, taken
      as a whole.

                                       8
<PAGE>
            "Material Adverse Effect" means a material adverse effect upon (a)
      the business, assets, liabilities (actual or contingent), operations,
      condition (financial or otherwise) or prospects of the Credit Parties and
      their Subsidiaries, taken as a whole, (b) the ability of the Credit
      Parties and their Subsidiaries, taken as a whole, to perform their
      obligations under this Credit Agreement or any of the other Credit
      Documents or (c) the legality, validity or enforceability of this Credit
      Agreement or any of the other Credit Documents or the rights and remedies
      of the Administrative Agent and the Lenders hereunder and thereunder.

            "Maturity Date" means November 9, 2002.

            "Multiemployer Plan" means any "multiemployer plan" within the
      meaning of Section 4001(a)(3) of ERISA to which any Credit Party, any of
      its Subsidiaries or any ERISA Affiliate makes, is making or is obligated
      to make contributions or has made or been obligated to make contributions.

            "Net Cash Proceeds" means, in the case of any Equity Issuance or
      Debt Issuance, the aggregate cash payments received by the Credit Parties
      and their Subsidiaries less reasonable and customary fees and expenses
      (including underwriting discounts and commissions) incurred by the Credit
      Parties and their Subsidiaries in connection therewith.

            "Notice of Borrowing" means a request by the Borrower for a Term
      Loan in the form of Exhibit 2.1(b).

            "Notice of Continuation/Conversion" means a request by the Borrower
      to continue an existing Eurodollar Loan to a new Interest Period or to
      convert a Eurodollar Loan to a Base Rate Loan or a Base Rate Loan to a
      Eurodollar Loan, in the form of Exhibit 2.2.

            "OrthAlliance" means OrthAlliance, Inc., a Delaware corporation.

            "OrthAlliance Acquisition" means the acquisition by the Borrower of
      OrthAlliance pursuant to the Agreement and Plan of Merger.

            "Other Taxes" has the meaning set forth in Section 3.13(b).

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

            "Permitted Liens" shall have the meaning set forth in Section 8.3 of
      the Incorporated Covenants.

            "Person" means any individual, partnership, joint venture, firm,
      corporation, limited liability company, association, trust or other
      enterprise (whether or not incorporated), or any Governmental Authority.

            "Plan" means any "employee pension benefit plan" within the meaning
      of Section 3(2) of ERISA that is subject to the provisions of Title IV of
      ERISA (other than a Multiemployer Plan) and to which any Credit Party, any
      of its Subsidiaries or any ERISA Affiliate may have any liability.

            "Pledge and Security Agreement" means any pledge and security
      agreement executed and delivered by a Credit Party in favor of the
      Collateral Agent and the Administrative Agent, for the benefit of the
      Lenders, as amended, modified, restated or supplemented from time to time.

            "Prime Rate" means the per annum rate of interest established from
      time to time by the Administrative Agent at its principal office in
      Charlotte, North Carolina (or such other principal office of the
      Administrative Agent as communicated in writing to the Borrower and the
      Lenders) as its Prime Rate. Any change in the interest rate resulting from
      a change in the Prime Rate shall become effective as of 12:01 a.m. of the
      Business Day on which each change in the Prime Rate is announced by the
      Administrative Agent. The Prime Rate is a reference rate used by the
      Administrative Agent in determining interest rates on certain loans and is
      not intended to be the lowest rate of interest charged on any extension of
      credit to any debtor.

                                       9
<PAGE>
            "Pro Forma Basis" means, for purposes of determining compliance with
      the financial covenants set forth in Article VII of the Incorporated
      Covenants as of any date of determination, that (a) Consolidated
      Indebtedness shall be determined as of such date of determination after
      giving effect to any borrowing on such date and (b) Consolidated Lease
      Expense, Consolidated Cash Flow, Consolidated Fixed Charges and
      Consolidated Net Worth shall be as set forth in the most recent Compliance
      Certificate delivered pursuant to Section 6.2(a) of the Incorporated
      Covenants. For purposes of this definition, "Consolidated Indebtedness,"
      "Consolidated Lease Expense," "Consolidated Cash Flow," "Consolidated
      Fixed Charges," "Consolidated Net Worth," and "Compliance Certificate"
      shall have the meanings ascribed thereto in the Revolving Senior Credit
      Agreement as of the Closing Date.

            "Prohibited Transaction" means any transaction described in (a)
      Section 406 of ERISA that is not exempt by reason of Section 408 of ERISA
      or by reason of a Department of Labor prohibited transaction individual or
      class exemption or (b) Section 4975(c) of the Code that is not exempt by
      reason of Section 4975(c)(2) or 4975(d) of the Code.

            "Property" means any right, title or interest in or to any property
      or asset of any kind whatsoever, whether real, personal or mixed and
      whether tangible or intangible.

            "Reimbursement Approvals" means, with respect to all Third Party
      Payor Arrangements, any and all certifications, provider numbers, provider
      agreements, participation agreements, accreditations and any other similar
      agreements with or approvals by Governmental Authorities or other Persons.

            "Reportable Event" means (a) any "reportable event" within the
      meaning of Section 4043(c) of ERISA for which the 30-day notice under
      Section 4043(a) of ERISA has not been waived by the PBGC (including any
      failure to meet the minimum funding standard of, or timely make any
      required installment under, Section 412 of the Code or Section 302 of
      ERISA, regardless of the issuance of any waivers in accordance with
      Section 412(d) of the Code), (b) any such "reportable event" subject to
      advance notice to the PBGC under Section 4043(b)(3) of ERISA, (c) any
      application for a funding waiver or an extension of any amortization
      period pursuant to Section 412 of the Code, and (d) a cessation of
      operations described in Section 4062(e) of ERISA.

            "Required Lenders" means Lenders whose aggregate Credit Exposure (as
      hereinafter defined) constitutes more than 66 2/3% of the Credit Exposure
      of all Lenders at such time; provided, however, that if any Lender shall
      be a Defaulting Lender at such time then there shall be excluded from the
      determination of Required Lenders the aggregate principal amount of Credit
      Exposure of such Lender at such time. For purposes hereof, the term
      "Credit Exposure" as applied to each Lender shall mean (a) at any time
      prior to the termination of the Commitments, the product of the Commitment
      Percentage of such Lender multiplied by the aggregate principal amount of
      Term Loans outstanding at such time and (b) at any time after the
      termination of the Commitments, the principal balance of the outstanding
      Term Loans of such Lender.

            "Requirement of Law" means, with respect to any Person, the charter,
      articles or certificate of organization or incorporation and bylaws or
      other organizational or governing documents of such Person, and any
      statute, law, treaty, rule, regulation, order, decree, writ, injunction or
      determination of any arbitrator or court or other Governmental Authority,
      in each case applicable to or binding upon such Person or any of its
      property or to which such Person or any of its property is subject or
      otherwise pertaining to any or all of the transactions contemplated by
      this Credit Agreement and the other Credit Documents.

            "Responsible Officer" means, with respect to any Credit Party or any
      of its Subsidiaries, the president, the chief executive officer, the
      co-chief executive officer, the chief financial officer, any executive
      officer, vice president - finance, principal accounting officer or
      treasurer of such Credit Party or Subsidiary, and any other officer or
      similar official thereof responsible for the administration of the
      obligations of such Credit Party or such Subsidiary in respect of this
      Credit Agreement and the other Credit Documents.

                                       10
<PAGE>
            "Revolver Agent" has the meaning set forth in the definition of
      Revolving Senior Credit Agreement.

            "Revolver Lenders" has the meaning set forth in the definition of
      Revolving Senior Credit Agreement.

            "Revolving Senior Credit Agreement" means that certain Credit
      Agreement, dated as of October 8, 1998, among the Borrower and certain
      foreign subsidiaries of the Borrower party thereto, as borrowers, the
      guarantors party thereto, the lenders party thereto (the "Revolver
      Lenders"), First Union National Bank, as agent (the "Revolver Agent"),
      Bank of America, as documentation agent, and Citibank, N.A., as
      syndication agent, as such agreement has been amended or modified on or
      prior to the Closing Date and as it may be amended, modified, or
      supplemented from time to time thereafter in accordance with the terms
      thereof.

            "Second Amendment" has the meaning set forth in Section 5.1(j).

            "Second Borrowing" has the meaning set forth in Section 2.1(b).

            "Service Agreement" means any agreement or arrangement between any
      Credit Party or any of its Subsidiaries and one or more Managed Practices
      pursuant to which such Credit Party or such Subsidiary agrees to provide
      or arrange for comprehensive management, administrative and other
      non-medical support services to such Managed Practice or Practices in
      exchange for payment to such Credit Party or such Subsidiary of a service,
      management or similar fee.

            "Solvent" means, with respect to any Person as of a particular date,
      that on such date (a) such Person is able to pay its debts and other
      liabilities, Contingent Obligations and other commitments as they mature
      in the normal course of business, (b) such Person does not intend to, and
      does not believe that it will, incur debts or liabilities beyond such
      Person's ability to pay as such debts and liabilities mature in their
      ordinary course, (c) such Person is not engaged in a business or a
      transaction, and is not about to engage in a business or a transaction,
      for which such Person's assets would constitute unreasonably small capital
      after giving due consideration to the prevailing practice in the industry
      in which such Person is engaged or is to engage, (d) the fair value of the
      assets of such Person is greater than the total amount of liabilities,
      including, without limitation, Contingent Obligations, of such Person and
      (e) the present fair saleable value of the assets of such Person is not
      less than the amount that will be required to pay the probable liability
      of such Person on its debts as they become absolute and matured.

            "Subsidiary" means, as to any Person, (a) any corporation more than
      50% of whose stock of any class or classes having by the terms thereof
      ordinary voting power to elect a majority of the directors of such
      corporation (irrespective of whether or not at the time, any class or
      classes of such corporation shall have or might have voting power by
      reason of the happening of any contingency) is at the time owned by such
      Person directly or indirectly through Subsidiaries, and (b) any
      partnership, association, joint venture or other entity in which such
      person directly or indirectly through Subsidiaries has more than a 50%
      equity interest at any time.

            "Taxes" has the meaning set forth in Section 3.13(a).

            "Term Loans" or "Loans" has the meaning set forth in Section 2.1(a).

            "Term Notes" or "Notes" means the promissory notes of the Borrower
      in favor of each of the Lenders evidencing the Term Loans provided
      pursuant to Section 2.1, individually or collectively, as appropriate, as
      such promissory notes may be amended, modified, supplemented, extended,
      renewed or replaced from time to time and as evidenced in the form of
      Exhibit 2.1(c).

            "Third Party Payor Arrangements" means any and all arrangements with
      Medicare, Medicaid, TRICARE/CHAMPUS and any other Governmental Authority
      or quasi-public agency, Blue Cross, Blue Shield, any managed care plans
      and organizations including, without limitation, health maintenance
      organizations and preferred provider organizations, private commercial
      insurance companies and any similar third party arrangements, plans or
      programs for payment or reimbursement in connection with health care
      services, products or supplies.

                                       11
<PAGE>
      1.2   COMPUTATION OF TIME PERIODS AND OTHER DEFINITIONAL PROVISIONS.

      For purposes of computation of periods of time hereunder, the word "from"
means "from and including" and the words "to" and "until" each mean "to but
excluding." References in this Credit Agreement to "Articles", "Sections",
"Schedules" or "Exhibits" shall be to Articles, Sections, Schedules or Exhibits
of or to this Credit Agreement unless otherwise specifically provided.

      1.3   ACCOUNTING TERMS/CALCULATION OF FINANCIAL COVENANTS.

      Except as otherwise expressly provided herein, all accounting terms used
herein or incorporated herein by reference shall be interpreted, and all
financial statements and certificates and reports as to financial matters
required to be delivered to the Administrative Agent or the Lenders hereunder
shall be prepared, in accordance with GAAP applied on a consistent basis.
Notwithstanding anything to the contrary in this Credit Agreement, for purposes
of calculation of the financial covenants set forth in Article VII of the
Revolving Senior Credit Agreement, all accounting determinations and
computations thereunder shall be made in accordance with GAAP as in effect as of
the date of this Credit Agreement applied on a basis consistent with the
application used in preparing the most recent financial statements of the Credit
Parties referred to in Section 5.1(d). In the event that any changes in GAAP
after such date are required to be applied to the Credit Parties and would
affect the computation of the financial covenants contained in Article VII of
the Incorporated Covenants, such changes shall be followed only from and after
the date this Credit Agreement shall have been amended to take into account any
such changes. Notwithstanding the foregoing or any other provision of this
Credit Agreement, the assets, liabilities, revenues, income, losses and other
financial statement items of Subsidiaries of the Borrower that are not
Guarantors shall not be taken into account in the calculation of the financial
covenants set forth in Article VII of the Incorporated Covenants.

      1.4   TIME.

      All references to time herein shall be references to Eastern Standard Time
or Eastern Daylight time, as the case may be, unless specified otherwise.

                                    SECTION 2

                                 CREDIT FACILITY

      2.1   TERM LOANS.

            (a)   Term Loans. Subject to the terms and conditions set forth
      herein, each Lender severally agrees to make term loans (collectively, the
      "Term Loans" or "Loans") to the Borrower, in Dollars, in an amount equal
      to such Lender's Commitment Percentage of the Committed Amount; provided
      that the aggregate amount of such Term Loans made shall not exceed the
      Committed Amount. Once repaid or prepaid, Term Loans cannot be reborrowed.

            (b)   Funding of Term Loans. By no later than 11:00 a.m. on the
      Closing Date, the Borrower shall submit to the Administrative Agent a
      Notice of Borrowing setting forth the amount of Term Loans requested to be
      funded on the Closing Date and a certification that the Borrower has
      complied in all respects with Section 5.2; provided that at least
      $40,000,000 of the Committed Amount shall be funded on the Closing Date.
      All or a portion of the remainder of the Committed Amount, if any, may be
      borrowed by the Borrower in a single borrowing (the "Second Borrowing")
      within 90 days of the Closing Date. By no later than 11:00 a.m. (a) on the
      date of the Second Borrowing if the Term Loans requested will be Base Rate
      Loans or (b) three Business Days prior to the date of the Second Borrowing
      if the Term Loans requested will be Eurodollar Loans, the Borrower shall
      telephone the Administrative Agent with the information described below as
      well as submit a written Notice of Borrowing to the Administrative Agent
      setting forth (i) the amount requested, (ii) whether such Term Loans shall
      be Base Rate Loans or Eurodollar Loans and (iii) a certification that the
      Borrower has complied in all respects with Section 5.2. On the Closing
      Date and on the date of the Second Borrowing, if any, each Lender will
      make its Commitment Percentage of the requested

                                       12
<PAGE>
      Term Loans available to the Administrative Agent by deposit, in Dollars
      and in immediately available funds, at the offices of the Administrative
      Agent at the Agency Services Address or at such other address as the
      Administrative Agent may designate in writing. The amount of the Term
      Loans will then be made available to the Borrower by the Administrative
      Agent by crediting the account of the Borrower on the books of such office
      of the Administrative Agent, to the extent the amount of such Term Loans
      are made available to the Administrative Agent. All Term Loans made on the
      Closing Date or within three Business Days after the Closing Date shall be
      Base Rate Loans. Thereafter, all or any portion of the Term Loans may be
      converted into Eurodollar Loans in accordance with the terms of Section
      2.2.

            No Lender shall be responsible for the failure or delay by any other
      Lender in its obligation to make a Term Loan hereunder; provided, however,
      that the failure of any Lender to fulfill its obligations hereunder shall
      not relieve any other Lender of its obligations hereunder. If the
      Administrative Agent shall have received an executed signature page to
      this Credit Agreement (whether an original or via telecopy) from a Lender,
      the Administrative Agent may assume that such Lender has or will make the
      amount of its Term Loans available to the Administrative Agent on the
      Closing Date and on the date of the Second Borrowing, if any, and the
      Administrative Agent in reliance upon such assumption, may (in its sole
      discretion but without any obligation to do so) make available to the
      Borrower a corresponding amount. If such corresponding amount is not in
      fact made available to the Administrative Agent, the Administrative Agent
      shall be able to recover such corresponding amount from such Lender. If
      such Lender does not pay such corresponding amount forthwith upon the
      Administrative Agent's demand therefor, the Administrative Agent will
      promptly notify the Borrower, and the Borrower shall immediately pay such
      corresponding amount to the Administrative Agent. The Administrative Agent
      shall also be entitled to recover from the Lender or the Borrower, as the
      case may be, interest on such corresponding amount in respect of each day
      from the date such corresponding amount was made available by the
      Administrative Agent to the Borrower to the date such corresponding amount
      is recovered by the Administrative Agent at a per annum rate equal to (i)
      from the Borrower at the Base Rate and (ii) from a Lender at the Federal
      Funds Rate if paid within two Business Days of the date of drawing and
      thereafter at a rate equal to the Base Rate.

            (c)   Term Notes. The Term Loans made by each Lender shall be
      evidenced by a duly executed promissory note of the Borrower to such
      Lender in an original principal amount equal to the Commitment of such
      Lender in substantially the form of Exhibit 2.1(c).

      2.2   CONTINUATIONS AND CONVERSIONS.

      Subject to the terms below, the Borrower shall have the option, on any
Business Day prior to the Maturity Date, to continue existing Eurodollar Loans
for a subsequent Interest Period, to convert Base Rate Loans into Eurodollar
Loans or to convert Eurodollar Loans into Base Rate Loans. By no later than
11:00 a.m. (a) on the date of the requested conversion of a Eurodollar Loan to a
Base Rate Loan or (b) three Business Days prior to the date of the requested
continuation of a Eurodollar Loan or conversion of a Base Rate Loan to a
Eurodollar Loan, the Borrower shall provide telephonic notice to the
Administrative Agent, followed promptly by a written Notice of
Continuation/Conversion in the form of Exhibit 2.2, setting forth whether the
Borrower wishes to continue or convert such Term Loans. Notwithstanding anything
herein to the contrary, (A) except as provided in Section 3.11, Eurodollar Loans
may only be continued or converted into Base Rate Loans on the last day of the
Interest Period applicable thereto, (B) Eurodollar Loans may not be continued
nor may Base Rate Loans be converted into Eurodollar Loans during the existence
and continuation of a Default or an Event of Default and (C) any request to
continue a Eurodollar Loan that fails to comply with the terms hereof or any
failure to request a continuation of a Eurodollar Loan at the end of an Interest
Period shall be deemed a request to convert such Eurodollar Loan to a Base Rate
Loan on the last day of the applicable Interest Period.

      2.3   MINIMUM AMOUNTS.

      Each request for a conversion or continuation shall be subject to the
requirements that (a) each Eurodollar Loan shall be in a minimum amount of
$5,000,000 and in integral multiples of $1,000,000 in excess thereof, (b) each
Base Rate Loan shall be in a minimum amount of $500,000 and in integral
multiples of $100,000 in excess thereof (or the remaining amount of outstanding
Term Loans), and (c) no more than 5 Eurodollar Loans shall be outstanding
hereunder

                                       13
<PAGE>
at any one time. For the purposes of this Section 2.3, separate Eurodollar Loans
that begin and end on the same date, as well as Eurodollar Loans that begin and
end on different dates, shall all be considered as separate Eurodollar Loans.

                                    SECTION 3

                          GENERAL PROVISIONS APPLICABLE
                                  TO TERM LOANS

      3.1   INTEREST.

            (a)   Interest Rate. Subject to Section 3.1(b) and the last
      paragraph of this subsection (a), on or prior to the Maturity Date (i) all
      Base Rate Loans shall accrue interest at the Adjusted Base Rate and (ii)
      all Eurodollar Loans shall accrue interest at the Adjusted Eurodollar
      Rate. If the Borrower exercises its right to extend the Maturity Date in
      accordance with Section 3.5(a), then, after the Maturity Date all Term
      Loans shall accrue interest (subject to Section 3.1(b)) during the time
      periods set forth below at the rates corresponding thereto:

<TABLE>
<CAPTION>
                          Time Period             Interest Rate
<S>                                               <C>
                   From the first anniversary
                   of the Closing Date through
                       January 31, 2003               10.00%
                  From February 1, 2003 through       10.50%
                        April 30, 2003
                   From May 1, 2003 through           11.00%
                         July 31, 2003
                    From August 1, 2003 to            11.50%
                        October 7, 2003
</TABLE>

            Notwithstanding the foregoing, the interest rate for Term Loans
      shall not exceed 12% per annum (without giving effect to any default rate
      of interest that may apply pursuant to Section 3.1(b)).

            (b)   Default Rate of Interest. Upon the occurrence, and during the
      continuation, of an Event of Default, the principal of and, to the extent
      permitted by law, interest on the Term Loans and any other amounts owing
      hereunder or under the other Credit Documents (including without
      limitation fees and expenses) shall bear interest, payable on demand, at a
      per annum rate equal to 2% plus the rate which would otherwise be
      applicable (or if no rate is applicable, then, (i) on or prior to the
      Maturity Date, interest shall accrue at the Adjusted Base Rate plus 2% per
      annum and (ii) after the Maturity Date, interest shall accrue at 13.50%
      per annum).

            (c)   Interest Payments. Interest on Term Loans shall be due and
      payable in arrears on each Interest Payment Date.

      3.2   PLACE AND MANNER OF PAYMENTS.

      All payments of principal, interest, fees, expenses and other amounts to
be made by a Credit Party under this Credit Agreement shall be made
unconditionally and without any setoff, deduction, counterclaim, defense,
recoupment or withholding of any kind and received not later than 2:00 p.m. on
the date when due, in Dollars and in immediately available funds. Payments
received after such time shall be deemed to have been received on the next
Business Day. All such payments shall be made to the Administrative Agent at the
Agency Services Address. The Borrower shall, at the time it makes any payment
under this Credit Agreement, specify to the Administrative Agent the Term Loans,
fees or other amounts payable by the Borrower hereunder to which such payment is
to be applied (and in the event that it fails to

                                       14
<PAGE>
specify, or if such application would be inconsistent with the terms hereof, the
Administrative Agent shall, subject to Section 3.7, distribute such payment to
the Lenders in such manner as the Administrative Agent may reasonably deem
appropriate). The Administrative Agent will distribute such payments to the
Lenders on the same Business Day if any such payment is received at or before
2:00 p.m.; otherwise the Administrative Agent may distribute such payment to the
Lenders on the next succeeding Business Day. Whenever any payment hereunder
shall be stated to be due on a day which is not a Business Day, the due date
thereof shall be extended to the next succeeding Business Day (subject to
accrual of interest and fees for the period of such extension), except that, in
the case of Eurodollar Loans (or interest payable with respect thereto), if the
extension would cause the payment to be made in the next following calendar
month, then such payment shall instead be made on the next preceding Business
Day and except as required by Section 3.5(b).

      3.3   PREPAYMENTS.

            (a)   Voluntary Prepayments. The Borrower shall have the right to
      prepay the Term Loans in whole or in part from time to time without
      premium or penalty; provided, however, that (i) Eurodollar Loans may only
      be prepaid on three Business Days' prior written notice to the
      Administrative Agent, (ii) each such partial prepayment of Eurodollar
      Loans shall be in the minimum principal amount of $1,000,000 and integral
      multiples of $1,000,000 and (iii) each such partial prepayment of Base
      Rate Loans shall be in the minimum principal amount of $500,000 and
      integral multiples of $100,000. Amounts prepaid pursuant to this Section
      3.3(a) shall be applied as the Borrower may elect; provided, however, if
      the Borrower fails to specify, such prepayment shall be applied by the
      Administrative Agent, subject to Section 3.7, in such manner as it deems
      reasonably appropriate. All prepayments under this Section 3.3(a) shall be
      subject to Section 3.14.

            (b)   Mandatory Prepayments.

                  (i)   Equity Issuances. Immediately upon receipt by a Credit
            Party or any of its Subsidiaries of proceeds from any Equity
            Issuance, the Borrower shall prepay Term Loans in an amount equal to
            100% of the Net Cash Proceeds of such Equity Issuance (all such
            prepayments to be applied as set forth in Section 3.3(c) below).

                  (ii)  Debt Issuances. Immediately upon receipt by a Credit
            Party or any of its Subsidiaries of proceeds from any Debt Issuance,
            the Borrower shall prepay Term Loans in an amount equal to 100% of
            the Net Cash Proceeds of such Debt Issuance (all such prepayments to
            be applied as set forth in Section 3.3(c) below).

            (c)   Application of Prepayments. On or prior to the Maturity Date,
      all amounts required to be prepaid pursuant to Section 3.3(b) shall be
      applied first to Base Rate Loans and second to Eurodollar Loans in direct
      order of Interest Period maturities. After the Maturity Date, all amounts
      required to be prepaid pursuant to Section 3.3(b) shall be applied pro
      rata to the outstanding Term Loans. All prepayments pursuant to Section
      3.3(b) shall be subject to Section 3.14.

      3.4   ADMINISTRATIVE FEES.

            The Borrower agrees to pay to the Administrative Agent, for its own
      account, an annual fee as agreed to between the Borrower and the
      Administrative Agent (the "Administrative Fees") in the Fee Letter.

      3.5   EXTENSION OF MATURITY DATE; PAYMENT IN FULL AT MATURITY.

            (a)   So long as no Default or Event of Default shall have occurred
      and be continuing on the date of the extension request and on the Maturity
      Date, the Borrower shall have the right, upon not less than 30 days' and
      not more than 60 days' prior written notice to the Lenders, to extend the
      Maturity Date to October 7, 2003 (the "Extended Maturity Date").

            (b)   On the Maturity Date or, if the Maturity Date has been
      extended in accordance with subsection (a) above, on the Extended Maturity
      Date, the entire outstanding principal balance of all Term Loans, together
      with accrued but unpaid interest and all fees and other sums owing under
      the Credit Documents, shall be due and payable in full, unless accelerated
      sooner pursuant to Section 7.2; provided that if

                                       15
<PAGE>
      the Maturity Date or the Extended Maturity Date, as applicable, is not a
      Business Day, then such principal, interest, fees and other sums shall be
      due and payable in full on the next preceding Business Day.

      3.6   COMPUTATIONS OF INTEREST AND FEES.

            (a)   Except for Base Rate Loans that are based upon the Prime Rate,
      in which case interest shall be computed on the basis of the actual number
      of days elapsed over a year of 365 or 366 days, as the case may be, all
      computations of interest and fees hereunder shall be made on the basis of
      the actual number of days elapsed over a year of 360 days. Interest shall
      accrue from and including the first date of borrowing (or continuation or
      conversion) to but excluding the last day occurring in the period for
      which such interest is payable.

            (b)   It is the intent of the Lenders and the Credit Parties to
      conform to and contract in strict compliance with applicable usury law
      from time to time in effect. All agreements between the Lenders and the
      Credit Parties are hereby limited by the provisions of this subsection
      which shall override and control all such agreements, whether now existing
      or hereafter arising and whether written or oral. In no way, nor in any
      event or contingency (including but not limited to prepayment or
      acceleration of the maturity of any Credit Party Obligation), shall the
      interest taken, reserved, contracted for, charged, or received under this
      Credit Agreement, under the Term Notes or otherwise, exceed the maximum
      nonusurious amount permissible under applicable law. If, from any possible
      construction of any of the Credit Documents or any other document,
      interest would otherwise be payable in excess of the maximum nonusurious
      amount, any such construction shall be subject to the provisions of this
      subsection and such documents shall be automatically reduced to the
      maximum nonusurious amount permitted under applicable law, without the
      necessity of execution of any amendment or new document. If any Lender
      shall ever receive anything of value which is characterized as interest on
      the Term Loans under applicable law and which would, apart from this
      provision, be in excess of the maximum nonusurious amount, an amount equal
      to the amount which would have been excessive interest shall, without
      penalty, be applied to the reduction of the principal amount owing on the
      Term Loans and not to the payment of interest, or refunded to the Borrower
      or the other payor thereof if and to the extent such amount which would
      have been excessive exceeds such unpaid principal amount of the Term
      Loans. The right to demand payment of the Term Loans or any other
      Indebtedness evidenced by any of the Credit Documents does not include the
      right to accelerate the payment of any interest which has not otherwise
      accrued on the date of such demand, and the Lenders do not intend to
      charge or receive any unearned interest in the event of such demand. All
      interest paid or agreed to be paid to the Lenders with respect to the Term
      Loans shall, to the extent permitted by applicable law, be amortized,
      prorated, allocated, and spread throughout the full stated term (including
      any renewal or extension) of the Term Loans so that the amount of interest
      on account of the Term Loans does not exceed the maximum nonusurious
      amount permitted by applicable law.

      3.7   PRO RATA TREATMENT.

      Except to the extent otherwise provided herein, each Term Loan borrowing,
each payment or prepayment of principal of any Term Loan, each payment of fees
and each conversion or continuation of any Term Loans, shall (except as
otherwise provided in Section 3.11) be allocated pro rata among the relevant
Lenders in accordance with the respective Commitment Percentages of such Lenders
(or, if the Commitments of such Lenders have expired or been terminated, in
accordance with the principal amounts of the outstanding Term Loans of such
Lenders); provided that, if any Lender shall have failed to pay its applicable
pro rata share of any Term Loan, then any amount to which such Lender would
otherwise be entitled pursuant to this Section 3.7 shall instead be payable to
the Administrative Agent until the share of such Term Loan not funded by such
Lender has been repaid; provided further, that in the event any amount paid to
any Lender pursuant to this Section 3.7 is rescinded or must otherwise be
returned by the Administrative Agent, such Lender shall, upon the request of the
Administrative Agent, repay to the Administrative Agent the amount so paid to
such Lender, with interest for the period commencing on the date such payment is
returned by the Administrative Agent until the date the Administrative Agent
receives such repayment at a rate per annum equal to the Federal Funds Rate if
repaid within two (2) Business Days after such request and thereafter the Base
Rate.

                                       16
<PAGE>
      3.8   SHARING OF PAYMENTS.

      The Lenders agree among themselves that, except to the extent otherwise
provided herein, in the event that any Lender shall obtain payment in respect of
any Term Loan or any other obligation owing to such Lender under this Credit
Agreement through the exercise of a right of setoff, banker's lien or
counterclaim, or pursuant to a secured claim under Section 506 of the Bankruptcy
Code or other security or interest arising from, or in lieu of, such secured
claim, received by such Lender under any applicable bankruptcy, insolvency or
other similar law or otherwise, or by any other means, in excess of its pro rata
share of such payment as provided for in this Credit Agreement, such Lender
shall promptly pay in cash or purchase from the other Lenders a participation in
such Term Loans and other obligations in such amounts, and make such other
adjustments from time to time, as shall be equitable to the end that all Lenders
share such payment in accordance with their Commitment Percentages (or, if the
Commitments of such Lenders have expired or been terminated, in accordance with
the principal amounts of the outstanding Term Loans of such Lenders). The
Lenders further agree among themselves that if payment to a Lender obtained by
such Lender through the exercise of a right of setoff, banker's lien,
counterclaim or other event as aforesaid shall be rescinded or must otherwise be
restored, each Lender which shall have shared the benefit of such payment shall,
by payment in cash or a repurchase of a participation theretofore sold, return
its share of that benefit (together with its share of any accrued interest
payable with respect thereto) to each Lender whose payment shall have been
rescinded or otherwise restored. The Borrower agrees that any Lender so
purchasing such a participation may, to the fullest extent permitted by law,
exercise all rights of payment, including setoff, banker's lien or counterclaim,
with respect to such participation as fully as if such Lender were a holder of
such Term Loan or other obligation in the amount of such participation. Except
as otherwise expressly provided in this Credit Agreement, if any Lender or the
Administrative Agent shall fail to remit to any other Lender an amount payable
by such Lender or the Administrative Agent to such other Lender pursuant to this
Credit Agreement on the date when such amount is due, such payments shall be
made together with interest thereon for each date from the date such amount is
due until the date such amount is paid to the Administrative Agent or such other
Lender at a rate per annum equal to the Federal Funds Rate. If under any
applicable bankruptcy, insolvency or other similar law, any Lender receives a
secured claim in lieu of a setoff to which this Section 3.8 applies, such Lender
shall, to the extent practicable, exercise its rights in respect of such secured
claim in a manner consistent with the rights of the Lenders under this Section
3.8 to share in the benefits of any recovery on such secured claim.

      3.9   CAPITAL ADEQUACY.

      If any Lender determines that the introduction after the Closing Date of
any law, rule or regulation or other Requirement of Law regarding capital
adequacy or any change therein or in the interpretation thereof, or compliance
by such Lender (or its Lending Office) therewith, has or would have the effect
of reducing the rate of return on the capital or assets of such Lender or any
corporation controlling such Lender as a consequence of such Lender's
obligations hereunder (taking into consideration its policies with respect to
capital adequacy and such Lender's desired return on capital), then from time to
time upon demand of such Lender (with a copy of such demand to the
Administrative Agent), the Borrower shall pay to such Lender such additional
amounts as will compensate such Lender for such reduction.

      3.10  EURODOLLAR PROVISIONS.

      If the Administrative Agent determines (which determination shall be
conclusive and binding upon the Borrower) in connection with any request for a
Eurodollar Loan or a conversion to or continuation thereof that (a) Dollar
deposits are not being offered to banks in the applicable offshore Dollar market
for the applicable amount and Interest Period of such Eurodollar Loan, (b)
adequate and reasonable means do not exist for determining the Eurodollar Rate
for such Eurodollar Loan or (c) the Eurodollar Rate for such Eurodollar Loan
does not adequately and fairly reflect the cost to the Lenders of funding such
Eurodollar Loan, the Administrative Agent will promptly notify the Borrower and
the Lenders. Thereafter, the obligation of the Lenders to make or maintain
Eurodollar Loans shall be suspended until the Administrative Agent revokes such
notice. Upon receipt of such notice, the Borrower may revoke any pending Notice
of Borrowing or Notice of Continuation/Conversion with respect to Eurodollar
Loans or, failing that, will be deemed to have converted such request into a
request for a borrowing of or conversion into a Base Rate Loan in the amount
specified therein.

                                       17
<PAGE>
      3.11  ILLEGALITY.

      If any Lender determines that any Requirement of Law has made it unlawful,
or that any Governmental Authority has asserted that it is unlawful, for any
Lender or its applicable Lending Office to make, maintain or fund Eurodollar
Loans, or materially restricts the authority of such Lender to purchase or sell,
or to take deposits of, Dollars in the applicable offshore Dollar market, or to
determine or charge interest rates based upon the Eurodollar Rate, then, on
notice thereof by such Lender to the Borrower through the Administrative Agent,
any obligation of such Lender to make or continue Eurodollar Loans or to convert
Base Rate Loans to Eurodollar Loans shall be suspended until such Lender
notifies the Administrative Agent and the Borrower that the circumstances giving
rise to such determination no longer exist. Upon receipt of such notice, the
Borrower shall, upon demand to the Borrower from such Lender (with a copy to the
Administrative Agent), prepay or, if applicable, convert all Eurodollar Loans of
such Lender to Base Rate Loans, either on the last day of the Interest Period
thereof, if such Lender may lawfully continue to maintain such Eurodollar Loans
to such day, or immediately, if such Lender may not lawfully continue to
maintain such Eurodollar Loans. Upon any such prepayment or conversion, the
Borrower shall also pay interest on the amount so prepaid or converted, together
with any amounts due with respect thereto pursuant to Section 3.14.

      3.12  REQUIREMENTS OF LAW.

      If any Lender determines that as a result of the introduction of or any
change in, or in the interpretation of, any Requirement of Law, or such Lender's
compliance therewith, there shall be any increase in the cost to such Lender of
agreeing to make or making, funding or maintaining Eurodollar Loans, or a
reduction in the amount received or receivable by such Lender in connection with
any of the foregoing (excluding for purposes of this Section 3.12 any such
increased costs or reduction in amount resulting from (i) Taxes or Other Taxes
(as to which Section 3.13 shall govern) and (ii) reserve requirements utilized
in the determination of the Eurodollar Rate), then from time to time, upon
demand of such Lender (through the Administrative Agent), the Borrower shall pay
to such Lender such additional amounts as will compensate such Lender for such
increased cost or reduction in yield.

      3.13  TAXES.

            (a)   Any and all payments by a Credit Party to or for the account
      of the Administrative Agent or any Lender under any Credit Document shall
      be made free and clear of and without deduction for any and all present or
      future income, stamp or other taxes, duties, levies, imposts, deductions,
      assessments, fees, withholdings or similar charges, and all liabilities
      with respect thereto, but excluding, in the case of the Administrative
      Agent and each Lender, taxes imposed on or measured by its net income, and
      franchise taxes imposed on it (in lieu of net income taxes), by the
      jurisdiction (or any political subdivision thereof) under the laws of
      which the Administrative Agent or such Lender, as the case may be, is
      organized or maintains its Lending Office (all such non-excluded present
      or future income, stamp or other taxes, duties, levies, imposts,
      deductions, assessments, fees, withholdings or similar charges, and
      liabilities being hereinafter referred to as "Taxes"). If a Credit Party
      shall be required by any Requirement of Law to deduct any Taxes from or in
      respect of any sum payable under any Credit Document to the Administrative
      Agent or any Lender, (i) the sum payable shall be increased as necessary
      so that after making all required deductions (including deductions
      applicable to additional sums payable under this Section 3.13(a)), the
      Administrative Agent or such Lender, as the case may be, receives an
      amount equal to the sum it would have received had no such deductions been
      made, (ii) such Credit Party shall make such deductions, (iii) such Credit
      Party shall pay the full amount deducted to the relevant taxation
      authority or other Governmental Authority in accordance with applicable
      Requirements of Law, and (iv) within 30 days after the date of such
      payment, such Credit Party shall furnish to the Administrative Agent
      (which shall forward the same to such Lender, if applicable) the original
      or a certified copy of a receipt evidencing payment thereof, to the extent
      such receipt is issued therefor, or other written proof of payment thereof
      that is reasonably satisfactory to the Administrative Agent.

            (b)   In addition, each Credit Party agrees to pay any and all
      present or future stamp, court or documentary taxes and any other excise
      or property taxes or charges or similar levies which arise from any
      payment made under any Credit Document or from the execution, delivery,
      performance, enforcement or

                                       18
<PAGE>
      registration of, or otherwise with respect to, any Credit Document
      (hereinafter referred to as "Other Taxes").

            (c)   If a Credit Party shall be required to deduct or pay any Taxes
      or Other Taxes from or in respect of any sum payable under any Credit
      Document to the Administrative Agent or any Lender, such Credit Party
      shall also pay to the Administrative Agent (for the account of such
      Lender) or to such Lender, at the time interest is paid, such additional
      amount that such Lender specifies as necessary to preserve the after-tax
      yield (after factoring in all taxes, including taxes imposed on or
      measured by net income) such Lender would have received if such Taxes or
      Other Taxes had not been imposed.

            (d)   Each Credit Party agrees to indemnify the Administrative Agent
      and each Lender for (i) the full amount of Taxes and Other Taxes
      (including any Taxes or Other Taxes imposed or asserted by any
      jurisdiction on amounts payable under this Section 3.13(d)) paid by the
      Administrative Agent and such Lender, and (ii) any liability (including
      penalties, interest and expenses) arising therefrom or with respect
      thereto.

            (e)   In the case of any payment hereunder or under any other Credit
      Document by or on behalf of a Credit Party through an account or branch
      outside the United States, or on behalf of a Credit Party by a payor that
      is not a United States person, if such Credit Party determines that no
      taxes are payable in respect thereof, such Credit Party shall furnish, or
      shall cause such payor to furnish, to the Administrative Agent, an opinion
      of counsel reasonably acceptable to the Administrative Agent stating that
      such payment is exempt from Taxes. For purposes of this subsection (e),
      the terms "United States" and "United States person" shall have the
      meanings specified in Section 7701 of the Code.

            (f)   Each Lender that is a foreign corporation, foreign partnership
      or foreign trust within the meaning of the Code shall deliver to the
      Administrative Agent, prior to receipt of any payment subject to
      withholding under the Code, two duly signed completed copies of either IRS
      Form W-8BEN or any successor thereto (relating to such Lender and
      entitling it to an exemption from, or reduction of, withholding tax on all
      payments to be made to such Lender by the Credit Parties pursuant to this
      Credit Agreement), as appropriate, or IRS Form W-8ECI or any successor
      thereto (relating to all payments to be made to such Lender by a Credit
      Party pursuant to this Credit Agreement) or such other evidence
      satisfactory to the Borrower and the Administrative Agent that such Lender
      is entitled to an exemption from, or reduction of, United States
      withholding tax. Thereafter and from time to time, each such Lender shall
      (i) promptly submit to the Administrative Agent such additional duly
      completed and signed copies of one of such forms (or such successor forms
      as shall be adopted from time to time by the relevant United States taxing
      authorities), as appropriate, as may reasonably be requested by the
      Borrower or the Administrative Agent and then be available under then
      current United States laws and regulations to avoid, or such evidence as
      is satisfactory to the Borrower and the Administrative Agent of any
      available exemption from or reduction of, United States withholding taxes
      in respect of all payments to be made to such Lender by the Borrower
      pursuant to this Credit Agreement, (ii) promptly notify the Administrative
      Agent of any change in circumstances which would modify or render invalid
      any claimed exemption or reduction, and (iii) take such steps as shall not
      be materially disadvantageous to it, in the reasonable judgment of such
      Lender, and as may be reasonably necessary (including the re-designation
      of its Lending Office) to avoid any Requirement of Law that the Credit
      Parties make any deduction or withholding for taxes from amounts payable
      to such Lender. If the forms or other evidence provided by such Lender at
      the time such Lender first becomes a party to this Credit Agreement
      indicate a United States interest withholding tax rate in excess of zero,
      withholding tax at such rate shall be considered excluded from Taxes
      unless and until such Lender provides the appropriate forms certifying
      that a lesser rate applies, whereupon withholding tax at such lesser rate
      only shall be considered excluded from Taxes for periods governed by such
      forms; provided, however, that, if at the date of any assignment pursuant
      to which a Lender becomes a party to this Credit Agreement, the assignor
      Lender was entitled to payments under Section 3.13(a) in respect of United
      States withholding tax with respect to interest paid at such date, then,
      to such extent, the term Taxes shall include (in addition to withholding
      taxes that may be imposed in the future or other amounts otherwise
      includable in Taxes) United States withholding tax, if any, applicable
      with respect to the assignee Lender on such date. If such Lender fails to
      deliver the above forms or other evidence, then the Administrative Agent
      may withhold from any interest payment to such Lender an

                                       19
<PAGE>
      amount equal to the applicable withholding tax imposed by Sections 1441
      and 1442 of the Code, without reduction. If any Governmental Authority
      asserts that the Administrative Agent did not properly withhold any tax or
      other amount from payments made in respect of such Lender, such Lender
      shall indemnify the Administrative Agent therefor, including all penalties
      and interest, any taxes imposed by any jurisdiction on the amounts payable
      to the Administrative Agent under this Section 3.13(f), and costs and
      expenses (including Attorney Costs) of the Administrative Agent. For any
      period with respect to which a Lender has failed to provide the Borrower
      with the above forms or other evidence (other than if such failure is due
      to a change in the applicable law, or in the interpretation or application
      thereof, occurring after the date on which such form or other evidence
      originally was required to be provided or if such form or other evidence
      otherwise is not required), such Lender shall not be entitled to
      indemnification under subsection (a) or (c) of this Section 3.13 with
      respect to Taxes imposed by the United States by reason of such failure;
      provided, however, that should a Lender become subject to Taxes because of
      its failure to deliver such form or other evidence required hereunder, the
      Borrower shall take such steps as such Lender shall reasonably request to
      assist such Lender in recovering such Taxes. The obligation of the Lenders
      under this Section 3.13(f) shall survive the payment of all Credit Party
      Obligations and the resignation or replacement of the Administrative
      Agent.

            (g)   In the event that an additional payment is made under Section
      3.13(a) or (c) for the account of any Lender and such Lender, in its
      reasonable judgment, determines that it has finally and irrevocably
      received or been granted a credit against or release or remission for, or
      repayment of, any tax paid or payable by it in respect of or calculated
      with reference to the deduction or withholding giving rise to such
      payment, such Lender shall, to the extent that it determines that it can
      do so without prejudice to the retention of the amount of such credit,
      relief, remission or repayment, pay to the Borrower such amount as such
      Lender shall, in its reasonable judgment, have determined to be
      attributable to such deduction or withholding and which will leave such
      Lender (after such payment) in no worse position than it would have been
      in if the Borrower had not been required to make such deduction or
      withholding. Nothing herein contained shall interfere with the right of a
      Lender to arrange its tax affairs in whatever manner it thinks fit nor
      oblige any Lender to claim any tax credit or to disclose any information
      relating to its tax affairs or any computations in respect thereof or
      require any Lender to do anything that would prejudice its ability to
      benefit from any other credits, reliefs, remissions or repayments to which
      it may be entitled.

      3.14  COMPENSATION.

      Upon the written demand of any Lender, the Credit Parties shall promptly
compensate such Lender for and hold such Lender harmless from any loss, cost or
expense incurred by it as a result of:

            (a)   any continuation, conversion, payment or prepayment of any
      Eurodollar Loan on a day other than the last day of the Interest Period
      for such Eurodollar Loan (whether voluntary, mandatory, automatic, by
      reason of acceleration, or otherwise); or

            (b)   any failure by a Borrower (for a reason other than the failure
      of such Lender to make a Eurodollar Loan) to prepay, borrow, continue or
      convert any Eurodollar Loan on the date or in the amount previously
      requested by such Borrower.

The amount each such Lender shall be compensated pursuant to this Section 3.14
shall include, without limitation, (i) any loss incurred by such Lender in
connection with the re-employment of funds prepaid, repaid, not borrowed or
paid, as the case may be and (ii) any reasonable out-of-pocket expenses
(including Attorney Costs) incurred and reasonably attributable thereto.

For purposes of calculating amounts payable by the Borrower to the Lenders under
this Section 3.14, each Lender may deem that it funded each Eurodollar Loan made
by it in Dollars at the Eurodollar Rate for such Eurodollar Loan by a matching
deposit or other borrowing in the applicable offshore Dollar interbank market
for a comparable amount and for a comparable period, whether or not such
Eurodollar Loan was in fact so funded.

                                       20
<PAGE>
      3.15  DETERMINATION AND SURVIVAL OF PROVISIONS.

      All determinations by the Administrative Agent or a Lender of amounts
owing under Sections 3.9 through 3.14, inclusive, shall, absent manifest error,
be conclusive and binding on the parties hereto and all amounts owing thereunder
shall be due and payable within ten Business Days of demand therefor. In
determining such amount, the Administrative Agent or such Lender may use any
reasonable averaging and attribution methods. Section 3.9 through 3.14,
inclusive, shall survive the termination of this Credit Agreement and the
payment of all Credit Party Obligations.

                                    SECTION 4

                                    GUARANTY

      4.1   GUARANTY OF PAYMENT.

      Subject to Section 4.7 below, each of the Guarantors hereby, jointly and
severally, unconditionally guarantees to each Lender, each Affiliate of a Lender
that enters into a Hedging Agreement and the Administrative Agent the prompt
payment of the Credit Party Obligations in full when due (whether at stated
maturity, as a mandatory prepayment, by acceleration or otherwise) and the
timely performance of all other obligations under the Credit Documents and such
Hedging Agreements. This Guaranty is a guaranty of payment and not of collection
and is a continuing guaranty and shall apply to all Credit Party Obligations
whenever arising.

      4.2   OBLIGATIONS UNCONDITIONAL.

      The obligations of the Guarantors hereunder are absolute and
unconditional, irrespective of the value, genuineness, validity, regularity or
enforceability of any of the Credit Documents or the Hedging Agreements, or any
other agreement or instrument referred to therein, to the fullest extent
permitted by applicable law, irrespective of any other circumstance whatsoever
which might otherwise constitute a legal or equitable discharge or defense of a
surety or guarantor. Each Guarantor agrees that this Guaranty may be enforced by
the Lenders without the necessity at any time of resorting to or exhausting any
other security or collateral and without the necessity at any time of having
recourse to the Term Notes or any other of the Credit Documents or any
collateral, if any, hereafter securing the Credit Party Obligations or otherwise
and each Guarantor hereby waives the right to require the Lenders to proceed
against the Borrower or any other Person (including a co-guarantor) or to
require the Lenders to pursue any other remedy or enforce any other right. Each
Guarantor further agrees that it shall have no right of subrogation, indemnity,
reimbursement or contribution against the Borrower or any other Guarantor of the
Credit Party Obligations for amounts paid under this Guaranty until such time as
the Lenders (and any Affiliates of Lenders entering into Hedging Agreements)
have been paid in full and all Commitments under the Credit Agreement have been
terminated. Each Guarantor further agrees that nothing contained herein shall
prevent the Administrative Agent or the Lenders from suing on the Term Notes or
any of the other Credit Documents or any of the Hedging Agreements, or
foreclosing their security interest in or Lien on any collateral, if any,
securing the Credit Party Obligations, or from exercising any other rights
available to them under this Credit Agreement, the Term Notes, any other of the
Credit Documents, or any other instrument of security, if any, and the exercise
of any of the aforesaid rights and the completion of any foreclosure proceedings
shall not constitute a discharge of any Guarantor's obligations hereunder; it
being the purpose and intent of each Guarantor that its obligations hereunder
shall be absolute, independent and unconditional under any and all
circumstances. Neither any Guarantor's obligations under this Guaranty nor any
remedy for the enforcement thereof shall be impaired, modified, changed or
released in any manner whatsoever by an impairment, modification, change,
release or limitation of the liability of the Borrower or by reason of the
bankruptcy or insolvency of the Borrower. Each Guarantor waives any and all
notice of the creation, renewal, extension or accrual of any of the Credit Party
Obligations and notice of or proof of reliance by the Administrative Agent or
any Lender upon this Guaranty or acceptance of this Guaranty. The Credit Party
Obligations, and any of them, shall conclusively be deemed to have been created,
contracted or incurred, or renewed, extended, amended or waived, in reliance
upon this Guaranty. All dealings between the Borrower and the Guarantors, on the
one hand, and the Administrative Agent and the Lenders, on the other hand,
likewise shall be conclusively presumed to have been had or consummated in
reliance upon this Guaranty. The Guarantors further agree to all rights of
set-off as set forth in Section 9.2 and agree that their obligations are secured
pursuant to the Collateral Documents.

                                       21
<PAGE>
      4.3   MODIFICATIONS.

      Each Guarantor agrees that (a) all or any part of the Collateral, if any,
now or hereafter held for the Credit Party Obligations, may be exchanged,
compromised or surrendered from time to time; (b) the Lenders shall not have any
obligation to protect, perfect, secure or insure any such security interests,
Liens or encumbrances now or hereafter held, if any, for the Credit Party
Obligations or the Properties subject thereto; (c) the time or place of payment
of the Credit Party Obligations may be changed or extended, in whole or in part,
to a time certain or otherwise, and may be renewed or accelerated, in whole or
in part; (d) the Borrower and any other party liable for payment under the
Credit Documents may be granted indulgences generally; (e) any of the provisions
of the Term Notes or any of the other Credit Documents may be modified, amended
or waived; (f) any party (including any co-guarantor) liable for the payment
thereof may be granted indulgences or be released; and (g) any deposit balance
for the credit of the Borrower or any other party liable for the payment of the
Credit Party Obligations or liable upon any security therefor may be released,
in whole or in part, at, before or after the stated, extended or accelerated
maturity of the Credit Party Obligations, all without notice to or further
assent by such Guarantor, which shall remain bound thereon, notwithstanding any
such exchange, compromise, surrender, extension, renewal, acceleration,
modification, indulgence or release.

      4.4   WAIVER OF RIGHTS.

      Each Guarantor expressly waives to the fullest extent permitted by
applicable law: (a) notice of acceptance of this Guaranty by the Administrative
Agent and the Lenders and of all Term Loans made to the Borrower by the Lenders;
(b) presentment and demand for payment or performance of any of the Credit Party
Obligations; (c) protest and notice of dishonor or of default (except as
specifically required in the Credit Agreement) with respect to the Credit Party
Obligations or with respect to any security therefor; (d) notice of the Lenders
obtaining, amending, substituting for, releasing, waiving or modifying any
security interest, Lien or encumbrance, if any, hereafter securing the Credit
Party Obligations, or the Lenders' subordinating, compromising, discharging or
releasing such security interests, Liens or encumbrances, if any; and (e) all
other notices to which such Guarantor might otherwise be entitled.

      4.5   REINSTATEMENT.

      The obligations of the Guarantors under this Section 4 shall be
automatically reinstated if and to the extent that for any reason any payment by
or on behalf of any Person in respect of the Credit Party Obligations is
rescinded or must be otherwise restored by any holder of any of the Credit Party
Obligations, whether as a result of any proceedings in bankruptcy or
reorganization or otherwise, and each Guarantor agrees that it will indemnify
the Administrative Agent and each Lender on demand for all reasonable costs and
expenses (including, without limitation, reasonable Attorney Costs) incurred by
the Administrative Agent or such Lender in connection with such rescission or
restoration, including any such costs and expenses incurred in defending against
any claim alleging that such payment constituted a preference, fraudulent
transfer or similar payment under any bankruptcy, insolvency or similar law.

      4.6   REMEDIES.

      The Guarantors agree that, as between the Guarantors, on the one hand, and
the Administrative Agent and the Lenders, on the other hand, the Credit Party
Obligations may be declared to be forthwith due and payable as provided in
Section 7.2 (and shall be deemed to have become automatically due and payable in
the circumstances provided in Section 7.2) notwithstanding any stay, injunction
or other prohibition preventing such declaration (or preventing such Credit
Party Obligations from becoming automatically due and payable) as against any
other Person and that, in the event of such declaration (or such Credit Party
Obligations being deemed to have become automatically due and payable), such
Credit Party Obligations (whether or not due and payable by any other Person)
shall forthwith become due and payable by the Guarantors.

      4.7   LIMITATION OF GUARANTY.

      Notwithstanding any provision to the contrary contained herein or in any
of the other Credit Documents, to the extent the obligations of any Guarantor
shall be adjudicated to be invalid or unenforceable for any reason (including,
without limitation, because of any applicable state or federal law relating to
fraudulent conveyances or transfers) then the obligations of such Guarantor
hereunder shall be limited to the maximum amount that is permissible under
applicable law (whether federal or state or otherwise and including, without
limitation, the Bankruptcy Code).

                                       22
<PAGE>
      4.8   RIGHTS OF CONTRIBUTION.

      The Credit Parties agree among themselves that, in connection with
payments made hereunder, each Credit Party shall have contribution rights
against the other Credit Parties as permitted under applicable law. Such
contribution rights shall be subordinate and subject in right of payment to the
obligations of the Credit Parties under the Credit Documents and no Credit Party
shall exercise such rights of contribution until all Credit Party Obligations
have been paid in full and the Commitments terminated.

                                    SECTION 5

                              CONDITIONS PRECEDENT

      5.1   CLOSING CONDITIONS.

      The obligation of the Lenders to enter into this Credit Agreement and make
the initial Term Loans is subject to satisfaction (or waiver) of the following
conditions:

            (a)   Executed Credit Documents. Receipt by the Administrative Agent
      of duly executed copies of: (i) this Credit Agreement; (ii) the Term
      Notes; (iii) the Collateral Documents, (iv) the Intercreditor Agreement
      and (v) all other Credit Documents, each in form and substance reasonably
      acceptable to the Lenders in their sole discretion.

            (b)   Authority Documents. Receipt by the Administrative Agent of
      the following with respect to each Credit Party:

                  (i)   Organizational Documents. Copies of the articles or
            certificates of incorporation or other organizational documents of
            such Credit Party certified to be true and complete as of a recent
            date by the appropriate Governmental Authority of the state or other
            jurisdiction of its formation and certified by a secretary or
            assistant secretary (or the equivalent) of such Credit Party to be
            true and correct as of the Closing Date.

                  (ii)  Bylaws. A copy of the bylaws or other governing
            documents of such Credit Party certified by a secretary or assistant
            secretary (or the equivalent) of such Credit Party to be true and
            correct as of the Closing Date.

                  (iii) Resolutions. Copies of resolutions of the Board of
            Directors or other governing body of such Credit Party approving and
            adopting the Credit Documents to which it is a party, the
            transactions contemplated herein and therein and authorizing
            execution and delivery thereof, certified by a secretary or
            assistant secretary (or the equivalent) of such Credit Party to be
            true and correct and in full force and effect as of the Closing
            Date.

                  (iv)  Good Standing. Copies of certificates of good standing,
            existence or its equivalent with respect to such Credit Party
            certified as of a recent date by the appropriate Governmental
            Authority of the state or other jurisdiction of its formation and
            each other jurisdiction in which the failure to qualify and be in
            good standing would have a Material Adverse Effect.

                  (v)   Incumbency. An incumbency certificate of such Credit
            Party certified by a secretary or assistant secretary (or the
            equivalent) of such Credit Party to be true and correct as of the
            Closing Date.

            (c)   Opinions of Counsel.

                                       23
<PAGE>
                  (i)   Receipt by the Administrative Agent of an opinion of
            counsel to the Credit Parties reasonably satisfactory to the
            Administrative Agent, addressed to the Administrative Agent and the
            Lenders and dated as of the Closing Date.

                  (ii)  Receipt by the Administrative Agent of a copy of each
            legal opinion (other than tax opinions) required to be delivered
            pursuant to the Agreement and Plan of Merger, if any, together with
            a letter from the law firm providing such legal opinion authorizing
            the Administrative Agent and the Lenders to rely on such legal
            opinion or evidence that such legal opinion authorizes such
            reliance, in form and substance reasonably satisfactory to the
            Administrative Agent.

            (d)   Financial Statements. Receipt by the Administrative Agent of
      (i) the annual consolidated financial statements (including balance
      sheets, income statements and cash flow statements) of the Credit Parties
      and their Subsidiaries for the fiscal years 1999 and 2000 audited by
      independent public accountants of recognized national standing and
      prepared in conformity with GAAP, together with any "management letter" or
      presentation submitted by such accountants in connection with such
      financial statements, (ii) the consolidated financial statements
      (including balance sheets, income statements and cash flow statements) of
      the Credit Parties and their Subsidiaries for the fiscal quarter ended
      September 30, 2001 and (iii) such additional financial statements,
      information and projections regarding the Credit Parties and their
      Subsidiaries as the Administrative Agent may request, in each case in form
      and substance reasonably satisfactory to the Administrative Agent.

            (e)   Due Diligence. The Administrative Agent and the Lenders shall
      have completed all due diligence with respect to the Credit Parties, their
      Subsidiaries and the Managed Practices, the transactions contemplated by
      this Credit Agreement and the other Credit Documents and the OrthAlliance
      Acquisition in scope and determination reasonably satisfactory to the
      Administrative Agent and the Lenders.

            (f)   Material Adverse Effect. Since December 31, 2000, there shall
      have been no development or event relating to or affecting a Credit Party
      or any of its Subsidiaries that has had or could be reasonably expected to
      have a Material Adverse Effect and no Material Adverse Change in the facts
      and information regarding the Credit Parties and their Subsidiaries as
      represented to date (other than in each case as previously disclosed in
      writing to the Administrative Agent).

            (g)   Litigation. There shall not exist any order, decree, judgment,
      ruling or injunction or any pending or threatened action, suit,
      investigation or proceeding (i) which restrains the consummation of the
      OrthAlliance Acquisition in the manner contemplated by the Agreement and
      Plan of Merger or any transaction contemplated by the Credit Documents or
      (ii) against the Credit Parties and their Subsidiaries taken as a whole
      or, to the knowledge of any Credit Party, any Managed Practice (other than
      in each case as previously disclosed in writing to the Administrative
      Agent) that could have or be reasonably expected to have a Material
      Adverse Effect.

            (h)   Consents. Receipt by the Administrative Agent of evidence that
      all necessary governmental, shareholder and third party consents and
      approvals, if any, with respect to this Credit Agreement and the Credit
      Documents and the transactions contemplated herein and therein, and with
      respect to the OrthAlliance Acquisition, have been received and no
      condition or Requirement of Law exists which would reasonably be likely to
      restrain, prevent or impose any material adverse conditions on the
      transactions contemplated hereby and by the other Credit Documents or the
      OrthAlliance Acquisition.

            (i)   Officer's Certificates. Receipt by the Administrative Agent of
      a certificate or certificates executed by an Authorized Officer of the
      Borrower as of the Closing Date stating that (i) the Credit Parties and
      each of their Subsidiaries are in compliance in all material respects with
      all existing material financial obligations and all material Requirements
      of Law, (ii) there does not exist any order, decree, judgment, ruling or
      injunction or any pending or threatened action, suit, investigation or
      proceeding (A) which restrains the consummation of the OrthAlliance
      Acquisition in the manner contemplated by the Agreement and Plan of Merger
      or any transaction contemplated by the Credit Documents or (B) against the
      Credit Parties and their Subsidiaries taken as a whole or, to the
      knowledge of any Credit Party after due inquiry, any Managed Practice
      (other than in each case as previously disclosed in writing to the
      Administrative Agent) that could

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<PAGE>
      have or be reasonably expected to have a Material Adverse Effect, (iii)
      the financial statements and information delivered to the Administrative
      Agent on or before the Closing Date were prepared in good faith and in
      accordance with GAAP, (iv) all conditions to the effectiveness of the
      Revolving Senior Credit Agreement have been satisfied or waived and (v)
      immediately after giving effect to this Credit Agreement, the other Credit
      Documents and all the transactions contemplated herein or therein to occur
      on such date, (A) each Credit Party is Solvent and the Credit Parties and
      their Subsidiaries taken as a whole are Solvent, (B) no Default or Event
      of Default exists, (C) all representations and warranties contained herein
      and in the other Credit Documents are true and correct in all material
      respects, (D) since December 31, 2000, there has been no development or
      event relating to or affecting a Credit Party or any of its Subsidiaries
      that has had or could be reasonably expected to have a Material Adverse
      Effect and there exists no event, condition or state of facts that could
      result in or reasonably be expected to result in a Material Adverse
      Change, except as disclosed in writing to the Administrative Agent prior
      to the date of this Credit Agreement and (E) the Credit Parties are in
      compliance with each of the financial covenants set forth in Article VII
      of the Incorporated Covenants (x) as of September 30, 2001 and (y) on a
      pro forma basis, as of the Closing Date after giving effect to the
      transactions contemplated by the Credit Documents and the OrthAlliance
      Acquisition.

            (j)   Revolving Senior Credit Agreement. Receipt by the
      Administrative Agent of an amendment to the Revolving Senior Credit
      Agreement (the "Second Amendment") on terms reasonably satisfactory to the
      Administrative Agent and satisfactory evidence that such amendment has
      been consummated or is being simultaneously consummated with this Credit
      Agreement.

            (k)   Collateral. Receipt by the Administrative Agent of the
      following (in form and substance satisfactory to the Administrative
      Agent):

                  (i)   searches of Uniform Commercial Code filings in the
            jurisdiction of the chief executive office and state of organization
            of each Credit Party and/or the Collateral and each jurisdiction
            where a filing would need to be made in order to perfect the
            Lenders' security interest in the Collateral, copies of the
            financing statements on file in such jurisdictions and evidence that
            no Liens exist with respect to the Collateral other than Permitted
            Liens;

                  (ii)  duly executed UCC financing statements for each
            appropriate jurisdiction as is necessary, in the Administrative
            Agent's sole discretion, to perfect the Lenders' security interest
            in the Collateral;

                  (iii) a letter from the Collateral Agent confirming its
            possession, on behalf of the Lenders and the Revolver Lenders, of
            (A) all stock certificates and Intercompany Notes evidencing the
            Collateral pledged to the Lenders pursuant to the Pledge and
            Security Agreement and (B) duly executed allonges and in blank
            undated stock powers with respect to such Intercompany Notes and
            stock certificates; and

                  (iv)  such other collateral documentation as may be required
            by the Administrative Agent in its sole reasonable discretion in
            order to perfect and protect the Lenders' security interest in the
            Collateral.

            (l)   OrthAlliance Acquisition. The OrthAlliance Acquisition shall
      have been consummated in all material respects in accordance with the
      Agreement and Plan of Merger filed as an exhibit to the Borrower's
      Registration Statement on Form S-4 as filed on October 5, 2001 with the
      Securities and Exchange Commission, with such changes as the
      Administrative Agent shall approve in its sole discretion.

            (m)   Payoff Letters. Receipt by the Administrative Agent of payoff
      letters with respect to the Terminating OrthAlliance Indebtedness (as
      defined in the Second Amendment), in form and substance reasonably
      satisfactory to the Administrative Agent.

            (n)   Fees and Expenses. Payment by the Credit Parties of all fees
      and expenses owed by them to the Administrative Agent and the Lenders on
      or before the Closing Date, including, without limitation, as set forth in
      the Fee Letter.

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<PAGE>
            (o)   Other. Receipt by the Lenders of such other documents,
      instruments, agreements or information as reasonably requested by any
      Lender.

      5.2   CONDITIONS TO ALL EXTENSIONS OF CREDIT.

      In addition to the conditions precedent stated elsewhere herein, the
Lenders shall not be obligated to make Term Loans unless:

            (a)   Notice. The Borrower shall have delivered to the
      Administrative Agent an appropriate Notice of Borrowing, duly executed and
      completed, on the Closing Date with respect to the initial Term Loans and
      by the time specified in Section 2.1(b) with respect to the Second
      Borrowing, if any.

            (b)   Representations and Warranties. The representations and
      warranties made by the Credit Parties in any Credit Document are true and
      correct in all material respects at and as if made as of such date except
      to the extent they expressly and exclusively relate to an earlier date.

            (c)   No Default. No Default or Event of Default shall exist and be
      continuing either prior to or after giving effect to such Term Loans.

            (d)   Availability. Immediately after giving effect to the making of
      a Term Loan (and the application of the proceeds thereof), the sum of the
      outstanding Term Loans shall not exceed the Committed Amount.

            (e)   Pro Forma Compliance with Financial Covenants. Immediately
      after giving effect to the making of a Term Loan (and the application of
      the proceeds thereof), the Credit Parties shall be in compliance, on a Pro
      Forma Basis, with each of the financial covenants set forth in Article VII
      of the Incorporated Covenants.

The delivery of each Notice of Borrowing shall constitute a representation and
warranty by the Borrower of the correctness of the matters specified in
subsections (b), (c), (d) and (e) above. If requested by the Administrative
Agent, the Borrower shall provide detailed calculations demonstrating compliance
with subsection (e) above.

                                    SECTION 6

                    REPRESENTATIONS, WARRANTIES AND COVENANTS

      6.1   REPRESENTATIONS AND WARRANTIES.

      Each Credit Party represents and warrants as follows:

            (a)   Corporate Organization and Power. Each of the Credit Parties
      (i) is a corporation duly organized, validly existing and in good standing
      under the laws of the jurisdiction of its incorporation, (ii) has the full
      corporate power and authority to execute, deliver and perform the Credit
      Documents to which it is or will be a party, to own and hold its property
      and to engage in its business as presently conducted, and (iii) is duly
      qualified to do business as a foreign corporation and is in good standing
      in each jurisdiction where the nature of its business or the ownership of
      its properties requires it to be so qualified, except where the failure to
      be so qualified would not, individually or in the aggregate, be reasonably
      likely to have a Material Adverse Effect.

            (b)   Authorization; Enforceability. Each of the Credit Parties has
      taken, or on the Closing Date will have taken, all necessary corporate
      action to execute, deliver and perform each of the Credit Documents to
      which it is or will be a party, and has, or on the Closing Date (or any
      later date of execution and delivery) will have, validly executed and
      delivered each of the Credit Documents to which it is or will be a party.
      This Credit Agreement constitutes, and each of the other Credit Documents
      upon execution and

                                       26
<PAGE>
      delivery will constitute, the legal, valid and binding obligation of each
      of the Credit Parties that is a party hereto or thereto, enforceable
      against it in accordance with its terms, except as enforceability may be
      limited by bankruptcy, insolvency, reorganization, moratorium or other
      similar laws affecting creditors' rights generally, by general equitable
      principles or by principles of good faith and fair dealing.

            (c)   No Violation. The execution, delivery and performance by each
      of the Credit Parties and its Subsidiaries of this Credit Agreement and
      each of the other Credit Documents to which it is or will be a party, and
      compliance by it with the terms hereof and thereof, do not and will not
      (i) violate any provision of its articles or certificate of incorporation
      or bylaws or contravene any other Requirement of Law applicable to it,
      (ii) conflict with, result in a breach of or constitute (with notice,
      lapse of time or both) a default under any material indenture, agreement
      (including, without limitation, any Service Agreement) or other instrument
      to which it is a party, by which it or any of its properties is bound or
      to which it is subject, (iii) result in a Limitation on any Licenses
      applicable to the business, operations or properties of such Credit Party
      or any of its Subsidiaries or any Managed Practice or adversely affect the
      ability of such Credit Party or any of its Subsidiaries or any Managed
      Practice to participate in any Third Party Payor Arrangement, or (iv)
      except for the Liens granted in favor of the Administrative Agent pursuant
      to the Pledge and Security Agreements, result in or require the creation
      or imposition of any Lien upon any of its properties or assets. No
      Subsidiary is a party to any agreement or instrument or otherwise subject
      to any restriction or encumbrance that restricts or limits its ability to
      make dividend payments or other distributions in respect of its Capital
      Stock, to repay Indebtedness owed to the Borrower or any other Subsidiary,
      to make loans or advances to the Borrower or any other Subsidiary, or to
      transfer any of its assets or properties to the Borrower or any other
      Subsidiary, in each case other than such restrictions or encumbrances
      existing under or by reason of the Credit Documents or applicable
      Requirements of Law or as expressly permitted under Section 8.10 of the
      Incorporated Covenants.

            (d)   Governmental and Third-Party Authorization; Permits.

                  (i)   No consent, approval, authorization or other action by,
            notice to, or registration or filing with, any Governmental
            Authority or other Person is or will be required as a condition to
            or otherwise in connection with the due execution, delivery and
            performance by each of the Credit Parties and its Subsidiaries of
            this Credit Agreement or any of the other Credit Documents to which
            it is or will be a party or the legality, validity or enforceability
            hereof or thereof.

                  (ii)  Each of the Credit Parties and its Subsidiaries and, to
            the knowledge of the Credit Parties, each Managed Practice, has, and
            is in good standing with respect to, all governmental approvals,
            permits and other Licenses and (to the extent applicable) all
            Reimbursement Approvals necessary to conduct its business as
            presently conducted and to own or lease and operate its Properties,
            except for those the failure to obtain which would not be reasonably
            likely, individually or in the aggregate, to have a Material Adverse
            Effect. There is no pending or, to the knowledge of Credit Parties,
            threatened Limitation of any such approval, permit or other License
            or Reimbursement Approval of the Credit Parties or any Subsidiary
            thereof or any Managed Practice, except for such Limitations as
            would not be reasonably likely, individually or in the aggregate, to
            have a Material Adverse Effect.

            (e)   Litigation. There are no actions, investigations, suits or
      proceedings pending or, to the knowledge of the Credit Parties,
      threatened, at law, in equity or in arbitration, before any court, other
      Governmental Authority or other Person, (i) against or affecting any
      Credit Party or any of its Subsidiaries or, to the knowledge of the Credit
      Parties, any Managed Practice, or any of their respective properties that
      would, if adversely determined, be reasonably likely to have a Material
      Adverse Effect, except as disclosed in writing to the Administrative Agent
      prior to the date of this Agreement, (ii) with respect to any Service
      Agreement that would, if adversely determined, be reasonably likely to
      have a Material Adverse Effect, except as disclosed in writing to the
      Administrative Agent prior to the date of this Agreement, or (iii) with
      respect to this Credit Agreement or any of the other Credit Documents.

            (f)   Proceeds. The proceeds of the Term Loans will be used solely
      (i) for working capital, capital expenditures and other lawful corporate
      purposes and (ii) to finance the repayment of outstanding

                                       27
<PAGE>
      Indebtedness of OrthAlliance in connection with the OrthAlliance
      Acquisition.

            (g)   Subsidiaries. Except for Subsidiaries of the Borrower existing
      prior to the Closing Date which are inactive and have no assets, set forth
      on Schedule 6.1(g) is a true and complete list of all Subsidiaries of the
      Borrower as of the date of this Credit Agreement (after giving effect to
      the OrthAlliance Acquisition), the ownership thereof and which of such
      Subsidiaries are Inactive Subsidiaries.

      6.2   COVENANT REGARDING ADDITIONAL CREDIT PARTIES AND COLLATERAL.

      At the time any Person becomes a subsidiary guarantor under the Revolving
Senior Credit Agreement, such Person shall also become a Guarantor hereunder by
executing a Joinder Agreement in substantially the same form as Exhibit 6.2. Any
Capital Stock, Intercompany Note or any other assets of a Credit Party pledged
to the Revolver Agent or the Revolver Lenders pursuant to the terms of the
Revolving Senior Credit Agreement or any loan document executed in connection
therewith shall also be pledged to the Administrative Agent pursuant to a Pledge
and Security Agreement and such other collateral documentation as the
Administrative Agent may reasonably require and shall be subject to the terms of
the Intercreditor Agreement.

      6.3   INCORPORATION OF ADDITIONAL REPRESENTATIONS, WARRANTIES AND
COVENANTS.

      Reference is made to the Revolving Senior Credit Agreement and the
representations and warranties of the Borrower contained in Article V of the
Revolving Senior Credit Agreement (hereinafter referred to as the "Incorporated
Representations and Warranties") and the covenants of the Borrower contained in
Articles VI, VII and VIII (other than Section 8.2(v) thereof) of the Revolving
Senior Credit Agreement (hereinafter referred to as the "Incorporated
Covenants"). Each of the Credit Parties agrees with the Lenders that the
Incorporated Representations and Warranties and the Incorporated Covenants and
all other relevant provisions of the Revolving Senior Credit Agreement related
thereto, including without limitation the defined terms contained in Section 1.1
thereof which are used in the Incorporated Representations and Warranties and
the Incorporated Covenants (hereinafter referred to as the "Additional
Incorporated Terms"), are hereby incorporated by reference into this Credit
Agreement to the same extent and with the same effect as if set forth fully
herein, and shall inure to the benefit of the Lenders, without giving effect to
any waiver, amendment, modification, replacement or termination of the Revolving
Senior Credit Agreement or any term or provision of the Incorporated
Representations and Warranties, the Incorporated Covenants or the Additional
Incorporated Terms occurring subsequent to the Closing Date, except to the
extent otherwise specifically provided in the last paragraph of this Section
6.3.

      For purposes of the incorporation of provisions in the Revolving Senior
Credit Agreement pursuant to this Section 6.3, (a) all references in the
Incorporated Representations and Warranties, the Incorporated Covenants and the
Additional Incorporated Terms to (i) the "Administrative Agent" (except with
respect to Section 8.4(iv) of the Incorporated Covenants), the "Lenders," or the
"Required Lenders" shall be deemed to refer to the Administrative Agent, the
Lenders and the Required Lenders hereunder, respectively, (ii) the "Agreement"
(except with respect to Section 8.2(i) of the Incorporated Covenants) shall be
deemed to refer to the "Credit Agreement" hereunder, (iii) "OCA" or "Borrower",
to the extent such reference is to OCA shall be deemed to refer to the
"Borrower" hereunder, as applicable, (iv) the "Obligations" (except with respect
to Section 8.3(i) of the Incorporated Covenants) shall be deemed to refer to the
"Credit Party Obligations" hereunder, (v) the "Closing Date" shall be deemed to
refer to the "Closing Date" hereunder, (vi) the "Commitments" shall be deemed to
refer to the "Commitments" hereunder, (vii) a "Default" or an "Event of Default"
shall be deemed to refer to a "Default" or an "Event of Default" hereunder,
respectively, (viii) the "Loans" (except with respect to Section 8.4(iv) of the
Incorporated Covenants) shall be deemed to refer to the "Term Loans" hereunder,
(ix) the "Maturity Date" shall be deemed to refer to the "Maturity Date" or the
"Extended Maturity Date" (if the Maturity Date has been extended in accordance
with the terms of Section 3.5(a)) hereunder, (x) the "Notes" (except with
respect to Section 8.2(i) of the Incorporated Covenants) shall be deemed to
refer to the "Term Notes" hereunder, (xi) the "Pledge Agreements" (except with
respect to Section 8.3(i) of the Incorporated Covenants) shall be deemed to
refer to the "Pledge and Security Agreements" hereunder, (xii) the "Subsidiary
Guarantors" shall be deemed to refer to the "Guarantors" hereunder, and (xiii)
the "Subsidiary Guaranty" (except with respect to Section 8.2(i) of the
Incorporated Covenants) shall be deemed to refer to the "Guaranty" hereunder,
(b) the reference in Section 8.11(iv) of the Incorporated Covenants to the
"Bridge Credit Documents" shall be deemed to refer to the "Credit Documents" (as
defined in the Revolving Senior Credit Agreement) and (c) references in the
Incorporated Representations and Warranties, the Incorporated Covenants and the

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<PAGE>
Additional Incorporated Terms to "Articles", "Sections", "Schedules" or
"Exhibits" shall be to Articles, Sections, Schedules or Exhibits of or to the
Revolving Senior Credit Agreement unless otherwise specifically provided.

      In the event a waiver is granted under the Revolving Senior Credit
Agreement or an amendment or modification is executed with respect to the
Revolving Senior Credit Agreement, and such waiver, amendment and/or
modification affects the Incorporated Representations and Warranties, the
Incorporated Covenants or the Additional Incorporated Terms, then such waiver,
amendment or modification shall be effective with respect to the Incorporated
Representations and Warranties, the Incorporated Covenants and the Additional
Incorporated Terms as incorporated by reference into this Credit Agreement only
if consented to in writing by the Required Lenders.

      In the event the Revolving Senior Credit Agreement is replaced or
terminated, then the Incorporated Representations and Warranties, the
Incorporated Covenants and the Additional Incorporated Terms (as amended or
modified in accordance with this Section 6.3) shall continue to be the
Incorporated Representations and Warranties, the Incorporated Covenants and the
Additional Incorporated Terms hereunder unless otherwise agreed to by the
Required Lenders or by the Administrative Agent on their behalf.

                                    SECTION 7

                                EVENTS OF DEFAULT

      7.1   EVENT OF DEFAULT.

      An event of default shall exist upon the occurrence, and during the
continuation, of any of the following specified events (each an "Event of
Default"):

            (a)   Payment. The Borrower shall fail to pay (i) any principal of
      any Term Loan when due or (ii) any interest on any Term Loan, any fee or
      any other Credit Party Obligation when due, and in the case of clause (ii)
      only, such failure shall continue unremedied for a period of two (2)
      Business Days. Any Guarantor shall fail to pay when due any of its
      obligations under the Guaranty. Any default or event of default shall
      occur under any Hedging Agreement to which the Borrower and any Lender or
      Affiliate of any Lender are parties.

            (b)   Covenants.

                  (i)   Any Credit Party shall fail to observe, perform or
            comply with any condition, covenant or agreement contained in (A)
            Section 6.1(f), (B) Sections 6.2(e)(i), 6.3(i) and 6.10 of the
            Incorporated Covenants or (C) Article VII or Article VIII of the
            Incorporated Covenants.

                  (ii)  Any Credit Party or any of its Subsidiaries shall fail
            to observe, perform or comply with any condition, covenant or
            agreement contained in this Credit Agreement or any of the other
            Credit Documents other than those enumerated in subsections (a) and
            (b)(i) above, and such failure shall continue unremedied for any
            grace period specifically applicable thereto or, if no such grace
            period is applicable, for a period of (A) five (5) days in the case
            of the covenants set forth in Sections 6.1, 6.2 (other than
            6.2(e)(i)) and 6.9 of the Incorporated Covenants, and (B) thirty
            (30) days in all other instances, in each case under clauses (A) and
            (B) above after the earlier of (x) the date on which a Responsible
            Officer of the Credit Party or such Subsidiary acquires knowledge
            thereof and (y) the date on which written notice thereof is
            delivered by the Administrative Agent or any Lender to the Borrower.

            (c)   Representations. Any representation or warranty made or deemed
      made by or on behalf of any Credit Party or any of its Subsidiaries in
      this Credit Agreement, any of the other Credit Documents or in any
      certificate, instrument, report or other document furnished in connection
      herewith or therewith or in connection with the transactions contemplated
      hereby or thereby shall prove to have been false or misleading in any
      material respect as of the time made, deemed made or furnished.

                                       29
<PAGE>
            (d)   Defaults Under Other Indebtedness. Any Credit Party or any of
      its Subsidiaries shall (i) fail to pay when due (whether by scheduled
      maturity, acceleration or otherwise and after giving effect to any
      applicable grace period) (A) any principal of or interest on any
      Indebtedness (other than the Indebtedness incurred pursuant to this Credit
      Agreement) having an aggregate principal amount of at least $250,000 (or,
      if such Indebtedness is in a foreign currency, the equivalent of $250,000
      in such foreign currency) or (B) any termination or other payment under
      any Hedging Agreement covering a notional amount of Indebtedness of at
      least $250,000 (or, if such Indebtedness is in a foreign currency, the
      equivalent of $250,000 in such foreign currency) or (ii) fail to observe,
      perform or comply with any condition, covenant or agreement contained in
      any agreement or instrument evidencing or relating to any such
      Indebtedness, or any other event shall occur or condition exist in respect
      thereof, and the effect of such failure, event or condition is to cause,
      or permit the holder or holders of such Indebtedness (or a trustee or
      agent on its or their behalf) to cause (with the giving of notice, lapse
      of time, or both), such Indebtedness to become due, or to be prepaid,
      redeemed, purchased or defeased, prior to its stated maturity.

            (e)   Voluntary Bankruptcy. Any Credit Party or any of its
      Subsidiaries (with assets having a value of $250,000 or more) shall (i)
      file a voluntary petition or commence a voluntary case seeking
      liquidation, winding-up, reorganization, dissolution, arrangement,
      readjustment of debts or any other relief under the Bankruptcy Code or
      under any other applicable bankruptcy, insolvency or similar law now or
      hereafter in effect, (ii) consent to the institution of, or fail to
      controvert in a timely and appropriate manner, any petition or case of the
      type described in subsection (f) below, (iii) apply for or consent to the
      appointment of or taking possession by a custodian, trustee, receiver or
      similar official for or of itself or all or a substantial part of its
      Properties or assets, (iv) fail generally, or admit in writing its
      inability, to pay its debts as they become due, (v) make a general
      assignment for the benefit of creditors or (vi) take any corporate action
      to authorize or approve any of the foregoing.

            (f)   Involuntary Bankruptcy. Any involuntary petition or case shall
      be filed or commenced against any Credit Party or any of its Subsidiaries
      (with assets having a value of $250,000 or more) seeking liquidation,
      winding-up, reorganization, dissolution, arrangement, readjustment of
      debts, the appointment of a custodian, trustee, receiver or similar
      official for it or all or a substantial part of its Properties or any
      other relief under the Bankruptcy Code or under any other applicable
      bankruptcy, insolvency or similar law now or hereafter in effect, and such
      petition or case shall continue undismissed and unstayed for a period of
      sixty (60) days; or an order, judgment or decree approving or ordering any
      of the foregoing shall be entered in any such proceeding.

            (g)   Judgments. Any one or more money judgments, writs or warrants
      of attachment, executions or similar processes involving an aggregate
      amount (exclusive of amounts fully bonded or covered by insurance as to
      which the surety or insurer, as the case may be, has acknowledged its
      liability in writing and that carry a deductible not exceeding $10,000 in
      the aggregate) in excess of $1,000,000 shall be entered or filed against
      any Credit Party or any of its Subsidiaries or any of their respective
      Properties and the same shall not be dismissed, stayed or discharged for a
      period of thirty (30) days or in any event later than five days prior to
      the date of any proposed sale thereunder.

            (h)   Credit Documents. (i) Any Credit Document shall fail to be in
      full force and effect or any Credit Party shall so assert, (ii) any Pledge
      and Security Agreement to which any Credit Party or any of its
      Subsidiaries is now or hereafter a party shall for any reason cease to be
      in full force and effect or cease to be effective to give the
      Administrative Agent a valid and perfected security interest in and Lien
      upon the Collateral purported to be covered thereby, subject to no Liens
      other than Permitted Liens, in each case unless any such cessation (A)
      occurs in accordance with the terms thereof, (B) is due to any act or
      failure to act on the part of the Administrative Agent or any Lender, or
      (C) affects an immaterial portion of the Collateral purported to be
      covered thereby, or any Credit Party or any such Subsidiary shall assert
      any of the foregoing, or (iii) any Guarantor or any Person acting on
      behalf of any such Guarantor shall deny or disaffirm its obligations under
      the Guaranty.

            (i)   ERISA. Any ERISA Event or any other event or condition shall
      occur or exist with respect to any Plan or Multiemployer Plan and, as a
      result thereof, together with all other ERISA Events and other events or
      conditions then existing, the Credit Parties, their Subsidiaries and the
      ERISA Affiliates

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<PAGE>
      have incurred or would be reasonably likely to incur liability to any one
      or more Plans or Multiemployer Plans or to the PBGC (or to any combination
      thereof) in excess of $1,000,000.

            (j)   Limitation on Licenses or Reimbursement Approvals. There shall
      occur a Limitation with respect to any one or more Licenses or
      Reimbursement Approvals of any Credit Party, any of its Subsidiaries or
      any Managed Practice, or any other action shall be taken by any
      Governmental Authority or other Person in response to any alleged failure
      by such Credit Party, such Subsidiary or such Managed Practice to be in
      compliance with applicable Requirements of Law, and such Limitation or
      other action, individually or in the aggregate, has or would be reasonably
      likely to have a Material Adverse Effect; or there shall occur any
      introduction of or change in any Requirement of Law (or in the
      interpretation or administration thereof by any Governmental Authority)
      governing or affecting any Credit Party, any of its Subsidiaries or any
      Managed Practice, and such introduction or change, individually or in the
      aggregate, has or would be reasonably likely to have a Material Adverse
      Effect.

            (k)   Termination of Contracts. Any one or more agreements or
      contracts to which any Credit Party or any of its Subsidiaries is a party
      shall be terminated or shall, for any other reason, fail to be in full
      force and effect and enforceable in accordance with its terms, and such
      event or condition, together with all other such events or conditions, if
      any, has or would be reasonably likely to have a Material Adverse Effect.

            (l)   Casualty Loss. There shall occur (i) any uninsured damage to,
      or loss, theft or destruction of, any Collateral or other Properties of
      the Credit Parties and their Subsidiaries having an aggregate fair market
      value in excess of $1,000,000 or (ii) any labor dispute, act of God or
      other casualty that has or would be reasonably likely to have a Material
      Adverse Effect.

            (m)   Material Adverse Change. There shall occur any Material
      Adverse Change or any event, condition or state of facts that could
      reasonably be expected to result in a Material Adverse Change.

            (n)   Change of Control. Any of the following shall occur: (i) any
      Person or group of Persons acting in concert as a partnership or other
      group shall, as a result of a tender or exchange offer, open market
      purchases, privately negotiated purchases or otherwise, have become, after
      the date hereof, the "beneficial owner" (within the meaning of such term
      under Rule 13d-3 under the Exchange Act) of securities of the Borrower
      representing 30% or more of the combined voting power of the then
      outstanding securities of the Borrower ordinarily (and apart from rights
      accruing under special circumstances) having the right to vote in the
      election of directors; or (ii) the Board of Directors of the Borrower
      shall cease to consist of a majority of the individuals (A) who
      constituted the Board of Directors as of the Closing Date or (B) who shall
      have become a member thereof subsequent to the Closing Date after having
      been nominated, or otherwise approved in writing, by at least a majority
      of individuals who constituted the Board of Directors of the Borrower as
      of the Closing Date (or their replacements approved as herein required).

            (o)   Cross Default. An Event of Default (as defined in the
      Revolving Senior Credit Agreement) shall occur.

            (p)   Post Closing Letter. A breach by the Borrower under the terms
      of that certain payoff letter between the Borrower and the Administrative
      Agent dated as of the Closing Date.

      7.2   ACCELERATION; REMEDIES.

      Upon the occurrence and during the continuation of an Event of Default,
the Administrative Agent may or shall, upon the request and direction of the
Required Lenders, take the following actions without prejudice to the rights of
the Administrative Agent or any Lender to enforce its claims against the Credit
Parties, except as otherwise specifically provided for herein:

            (a)   Termination of Commitments. Declare the Commitments terminated
      whereupon the Commitments shall be immediately terminated.

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<PAGE>
            (b)   Acceleration of Term Loans. Declare the unpaid principal of
      and any accrued interest in respect of all Term Loans and any and all
      other Credit Party Obligations of any and every kind owing by a Credit
      Party to any of the Lenders under the Credit Documents to be due whereupon
      the same shall be immediately due and payable without presentment, demand,
      protest or other notice of any kind, all of which are hereby waived by the
      Credit Parties.

            (c)   Enforcement of Rights. To the extent permitted by law and
      subject to the terms of the Intercreditor Agreement, enforce (and direct
      the Collateral Agent to enforce) any and all rights and interests created
      and existing under applicable law and under the Credit Documents,
      including, without limitation, all rights and remedies existing under the
      Collateral Documents, all rights and remedies against a Guarantor and all
      rights of set-off.

Notwithstanding the foregoing, if an Event of Default specified in Section
9.1(f) or (g) of the Revolving Senior Credit Agreement shall occur, then the
Commitments shall automatically terminate and all Term Loans, all accrued
interest in respect thereof, all accrued and unpaid fees and other indebtedness
or obligations owing to the Lenders hereunder shall immediately become due and
payable without the giving of any notice or other action by the Administrative
Agent or the Lenders, which notice or other action is expressly waived by the
Credit Parties.

Notwithstanding the fact that enforcement powers reside primarily with the
Administrative Agent, each Lender has, to the extent permitted by law, a
separate right of payment and shall be considered a separate "creditor" holding
a separate "claim" within the meaning of Section 101(5) of the Bankruptcy Code
or any other insolvency statute.

      7.3   ALLOCATION OF PAYMENTS AFTER EVENT OF DEFAULT.

      Notwithstanding any other provisions of this Credit Agreement, after the
occurrence and during the continuation of an Event of Default, all amounts
collected or received by the Administrative Agent or any Lender on account of
amounts outstanding under any of the Credit Documents shall be paid over or
delivered as follows:

            FIRST, to the payment of all reasonable out-of-pocket costs and
      expenses (including without limitation reasonable Attorney Costs) of the
      Administrative Agent or any of the Lenders in connection with enforcing
      the rights of the Administrative Agent and the Lenders under the Credit
      Documents, pro rata as set forth below;

            SECOND, to payment of any fees owed to the Administrative Agent or
      any Lender, pro rata as set forth below;

            THIRD, to the payment of all accrued interest payable to the Lenders
      hereunder, pro rata as set forth below;

            FOURTH, to the payment of the outstanding principal amount of the
      Term Loans and to any principal amounts outstanding under Hedging
      Agreements between a Credit Party and a Lender or Affiliate of a Lender,
      pro rata as set forth below;

            FIFTH, to all other Credit Party Obligations which shall have become
      due and payable under the Credit Documents and not repaid pursuant to
      clauses "FIRST" through "FOURTH" above; and

            SIXTH, the payment of the surplus, if any, to whomever may be
      lawfully entitled to receive such surplus.

In carrying out the foregoing, (a) amounts received shall be applied in the
numerical order provided until exhausted prior to application to the next
succeeding category; and (b) each of the Lenders shall receive an amount equal
to its pro rata share (based on the proportion that the then outstanding Term
Loans held by such Lender bears to the aggregate then outstanding Term Loans,
or, in the case of clause "FOURTH" above, the proportion that the then
outstanding Term Loans and obligations under Hedging Agreements held by such
Lender bears to the aggregate then outstanding Term Loans and obligations under
Hedging Agreements) of amounts available to be applied.

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                                    SECTION 8

                                AGENCY PROVISIONS

      8.1   APPOINTMENT.

      Each Lender hereby irrevocably appoints, designates and authorizes the
Administrative Agent to take such action on its behalf under the provisions of
this Credit Agreement and each other Credit Document and to exercise such powers
and perform such duties as are expressly delegated to it by the terms of this
Credit Agreement or any other Credit Document, together with such powers as are
reasonably incidental thereto. Notwithstanding any provision to the contrary
contained elsewhere herein or in any other Credit Document, the Administrative
Agent shall not have any duties or responsibilities, except those expressly set
forth herein, nor shall the Administrative Agent have or be deemed to have any
fiduciary or trustee relationship with any Lender or participant, and no implied
covenants, functions, responsibilities, duties, obligations or liabilities shall
be read into this Credit Agreement or any other Credit Document or otherwise
exist against the Administrative Agent. Without limiting the generality of the
foregoing sentence, the use of the term "agent" herein and in the other Credit
Documents with reference to the Administrative Agent is not intended to connote
any fiduciary or other implied (or express) obligations arising under agency
doctrine of any applicable law. Instead, such term is used merely as a matter of
market custom, and is intended to create or reflect only an administrative
relationship between independent contracting parties.

      8.2   DELEGATION OF DUTIES.

      The Administrative Agent may execute any of its duties under this Credit
Agreement or any other Credit Document by or through agents, employees or
attorneys-in-fact and shall be entitled to advice of counsel and other
consultants or experts concerning all matters pertaining to such duties. The
Administrative Agent shall not be responsible for the negligence or misconduct
of any agent or attorney-in-fact that it selects with reasonable care.

      8.3   EXCULPATORY PROVISIONS.

      No Agent-Related Person shall (a) be liable for any action taken or
omitted to be taken by any of them under or in connection with this Credit
Agreement or any other Credit Document or the transactions contemplated hereby
or thereby (except for its own gross negligence or willful misconduct in
connection with its duties expressly set forth herein and therein), or (b) be
responsible in any manner to any Lender or participant for any recital,
statement, representation or warranty made by any Credit Party or any officer
thereof, contained herein or in any other Credit Document, or in any
certificate, report, statement or other document referred to or provided for in,
or received by the Administrative Agent under or in connection with, this Credit
Agreement or any other Credit Document, or the validity, effectiveness,
genuineness, enforceability or sufficiency of this Credit Agreement or any other
Credit Document, or for any failure of any Credit Party or any other party to
any Credit Document to perform its obligations hereunder or thereunder. No
Agent-Related Person shall be under any obligation to any Lender or participant
to ascertain or to inquire as to the observance or performance of any of the
agreements contained in, or conditions of, this Credit Agreement or any other
Credit Document, or to inspect the properties, books or records of any Credit
Party or any Affiliate thereof.

      8.4   RELIANCE ON COMMUNICATIONS.

            (a)   The Administrative Agent shall be entitled to rely, and shall
      be fully protected in relying, upon any writing, communication, signature,
      resolution, representation, notice, consent, certificate, affidavit,
      letter, telegram, facsimile, telex or telephone message, statement or
      other document or conversation believed by it to be genuine and correct
      and to have been signed, sent or made by the proper Person or Persons, and
      upon advice and statements of legal counsel (including counsel to any
      Credit Party), independent accountants and other experts selected by the
      Administrative Agent. The Administrative Agent may deem and treat each
      Lender as the owner of its interests hereunder for all purposes unless a
      written notice of assignment, negotiation or transfer thereof shall have
      been delivered to the Administrative

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<PAGE>
      Agent in accordance with Section 9.3(b). The Administrative Agent shall be
      fully justified in failing or refusing to take any action under any Credit
      Document unless it shall first receive such advice or concurrence of the
      Required Lenders as it deems appropriate and, if it so requests, it shall
      first be indemnified to its satisfaction by the Lenders against any and
      all liability and expense which may be incurred by it by reason of taking
      or continuing to take any such action. The Administrative Agent shall in
      all cases be fully protected in acting, or in refraining from acting,
      under this Credit Agreement or any other Credit Document in accordance
      with a request or consent of the Required Lenders or all the Lenders, if
      required hereunder, and such request and any action taken or failure to
      act pursuant thereto shall be binding upon all the Lenders and
      participants, and their respective successors and assigns. Where this
      Credit Agreement expressly permits or prohibits an action unless the
      Required Lenders otherwise determine, the Administrative Agent shall, and
      in all other instances, the Administrative Agent may, but shall not be
      required to, initiate any solicitation for the consent or a vote of the
      Lenders.

            (b)   For purposes of determining compliance with the conditions
      specified in Section 5.1, each Lender that has signed this Credit
      Agreement shall be deemed to have consented to, approved or accepted or to
      be satisfied with, each document or other matter either sent by the
      Administrative Agent to such Lender for consent, approval, acceptance or
      satisfaction, or required thereunder to be consented to or approved by or
      acceptable or satisfactory to a Lender.

      8.5   NOTICE OF DEFAULT.

      The Administrative Agent shall not be deemed to have knowledge or notice
of the occurrence of any Default or Event of Default, except with respect to
defaults in the payment of principal, interest and fees required to be paid to
the Administrative Agent for the account of the Lenders, unless the
Administrative Agent shall have received written notice from a Lender or a
Credit Party referring to this Credit Agreement, describing such Default or
Event of Default and stating that such notice is a "notice of default." The
Administrative Agent will notify the Lenders of its receipt of any such notice.
The Administrative Agent shall take such action with respect to such Default or
Event of Default as may be reasonably directed by the Required Lenders in
accordance with Section 7.2; provided, however, that unless and until the
Administrative Agent has received any such direction, the Administrative Agent
may (but shall not be obligated to) take such action, or refrain from taking
such action, with respect to such Default or Event of Default as it shall deem
advisable or in the best interest of the Lenders.

      8.6   NON-RELIANCE ON ADMINISTRATIVE AGENT AND OTHER LENDERS.

      Each Lender acknowledges that no Agent-Related Person has made any
representation or warranty to it, and that no act by the Administrative Agent
hereinafter taken, including any consent to and acceptance of any assignment or
review of the affairs of any Credit Party or any Affiliate thereof, shall be
deemed to constitute any representation or warranty by any Agent-Related Person
to any Lender as to any matter, including whether Agent-Related Persons have
disclosed material information in their possession. Each Lender represents to
the Administrative Agent that it has, independently and without reliance upon
any Agent-Related Person or any other Lender and based on such documents and
information as it has deemed appropriate, made its own appraisal of and
investigation into the business, prospects, operations, Property, financial and
other condition and creditworthiness of the Credit Parties and their respective
Affiliates, and all applicable bank or other regulatory laws relating to the
transactions contemplated hereby, and made its own decision to enter into this
Credit Agreement and to extend credit to the Borrower hereunder. Each Lender
also represents that it will, independently and without reliance upon any
Agent-Related Person or any other Lender and based on such documents and
information as it shall deem appropriate at the time, continue to make its own
credit analysis, appraisals and decisions in taking or not taking action under
this Credit Agreement and the other Credit Documents, and to make such
investigations as it deems necessary to inform itself as to the business,
prospects, operations, Property, financial and other condition and
creditworthiness of the Credit Parties. Except for notices, reports and other
documents expressly required to be furnished to the Lenders by the
Administrative Agent herein, the Administrative Agent shall not have any duty or
responsibility to provide any Lender with any credit or other information
concerning the business, prospects, operations, property, financial and other
condition or creditworthiness of any of the Credit Parties or any of their
respective Affiliates which may come into the possession of any Agent-Related
Person.

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<PAGE>
      8.7   INDEMNIFICATION.

      Whether or not the transactions contemplated hereby are consummated, the
Lenders shall indemnify upon demand each Agent-Related Person (to the extent not
reimbursed by or on behalf of any Credit Party and without limiting the
obligation of any Credit Party to do so), pro rata, and hold harmless each
Agent-Related Person from and against any and all Indemnified Liabilities
incurred by it; provided, however, that no Lender shall be liable for the
payment to any Agent-Related Person of any portion of such Indemnified
Liabilities resulting from such Agent-Related Person's gross negligence or
willful misconduct; it being understood that no action taken in accordance with
the directions of the Required Lenders shall be deemed to constitute gross
negligence or willful misconduct for purposes of this Section 8.7. Without
limitation of the foregoing, each Lender shall reimburse the Administrative
Agent upon demand for its ratable share of any costs or out-of-pocket expenses
(including Attorney Costs) incurred by the Administrative Agent in connection
with the preparation, execution, delivery, administration, modification,
amendment or enforcement (whether through negotiations, legal proceedings or
otherwise) of, or legal advice in respect of rights or responsibilities under,
this Credit Agreement, any other Credit Document, or any document contemplated
by or referred to herein, to the extent that the Administrative Agent is not
reimbursed for such expenses by or on behalf of the Credit Parties. The
undertaking in this Section 8.7 shall survive termination of the Commitments,
the payment of all Credit Party Obligations hereunder and the resignation or
replacement of the Administrative Agent.

      8.8   ADMINISTRATIVE AGENT IN ITS INDIVIDUAL CAPACITY.

      Bank of America and its Affiliates may make loans to, issue letters of
credit for the account of, accept deposits from, acquire equity interests in and
generally engage in any kind of banking, trust, financial advisory, underwriting
or other business with each of the Credit Parties and their respective
Affiliates as though Bank of America were not the Administrative Agent hereunder
and without notice to or consent of the Lenders. The Lenders acknowledge that,
pursuant to such activities, Bank of America or its Affiliates may receive
information regarding any Credit Party or its Affiliates (including information
that may be subject to confidentiality obligations in favor of such Credit Party
or such Affiliate) and that the Administrative Agent shall be under no
obligation to provide such information to them. With respect to its Term Loans,
Bank of America shall have the same rights and powers under this Credit
Agreement as any other Lender and may exercise such rights and powers as though
it were not the Administrative Agent, and the terms "Lender" and "Lenders"
include Bank of America in its individual capacity.

      8.9   SUCCESSOR AGENT.

      The Administrative Agent may resign as Administrative Agent upon 30 days'
notice to the Lenders. If the Administrative Agent resigns under this Credit
Agreement, the Required Lenders shall appoint a successor administrative agent
for the Lenders (such appointment, absent the existence of an Event of Default,
to be subject to the consent of the Borrower, which consent of the Borrower
shall not be unreasonably withheld or delayed). If no successor administrative
agent is appointed prior to the effective date of the resignation of the
Administrative Agent, the Administrative Agent may appoint, after consulting
with the Lenders and the Borrower, a successor administrative agent. Upon the
acceptance of its appointment as successor administrative agent hereunder, such
successor administrative agent shall succeed to all the rights, powers and
duties of the retiring Administrative Agent and the term "Administrative Agent"
shall mean such successor administrative agent and the retiring Administrative
Agent's appointment, powers and duties as Administrative Agent shall be
terminated. After any retiring Administrative Agent's resignation hereunder as
Administrative Agent, the provisions of this Section 8 and Sections 9.5 and 9.10
shall continue to inure to its benefit as to any actions taken or omitted to be
taken by it while it was Administrative Agent under this Credit Agreement. If no
successor administrative agent has accepted appointment as Administrative Agent
by the date which is 30 days following a retiring Administrative Agent's notice
of resignation, the retiring Administrative Agent's resignation shall
nevertheless thereupon become effective and the Lenders shall perform all of the
duties of the Administrative Agent hereunder until such time, if any, as the
Required Lenders appoint a successor agent as provided for above.

      8.10  INTERCREDITOR AGREEMENT.

      Each of the Lenders hereby acknowledges that it has received and reviewed
the Intercreditor Agreement and hereby (a) authorizes the Administrative Agent
to execute and deliver the Intercreditor Agreement on its behalf and (b)

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<PAGE>
consents to the appointment of First Union National Bank as Collateral Agent, on
behalf of the Benefited Parties, pursuant to the terms of the Intercreditor
Agreement.

                                    SECTION 9

                                  MISCELLANEOUS

      9.1   NOTICES.

      Except as otherwise expressly provided herein, all notices and other
communications shall have been duly given and shall be effective (a) when
delivered by hand, (b) when transmitted via telecopy (or other facsimile device)
to the number set forth on Schedule 9.1, (c) on the Business Day following the
day on which the same has been delivered prepaid (or subject to an invoice
arrangement) to a reputable national overnight air courier service, or (d) on
the third Business Day following the day on which the same is sent by certified
or registered mail, postage prepaid, in each case to the respective parties at
the address or telecopy numbers set forth on Schedule 9.1, or at such other
address as such party may specify by written notice to the other parties hereto.

      9.2   RIGHT OF SET-OFF.

      In addition to any rights now or hereafter granted under applicable law or
otherwise, and not by way of limitation of any such rights, upon the occurrence
of an Event of Default and the commencement of remedies described in Section
7.2, each Lender is authorized at any time and from time to time, without
presentment, demand, protest or other notice of any kind (all of which rights
being hereby expressly waived), to set-off and to appropriate and apply any and
all deposits (general or special) and any other indebtedness at any time held or
owing by such Lender (including, without limitation, branches, agencies or
Affiliates of such Lender wherever located) to or for the credit or the account
of any Credit Party against obligations and liabilities of the Credit Parties to
the Lenders hereunder, under the Term Notes, the other Credit Documents or
otherwise, irrespective of whether the Administrative Agent or the Lenders shall
have made any demand hereunder and although such obligations, liabilities or
claims, or any of them, may be contingent or unmatured, and any such set-off
shall be deemed to have been made immediately upon the occurrence of an Event of
Default even though such charge is made or entered on the books of such Lender
subsequent thereto. The Credit Parties hereby agree that any Person purchasing a
participation in the Term Loans and Commitments hereunder pursuant to Sections
3.8 or 9.3(e) may exercise all rights of set-off with respect to its
participation interest as fully as if such Person were a Lender hereunder.

      9.3   BENEFIT OF AGREEMENT.

            (a)   Generally. This Credit Agreement shall be binding upon and
      inure to the benefit of and be enforceable by the respective successors
      and assigns of the parties hereto; provided that none of the Credit
      Parties may assign and transfer any of its interests (except as permitted
      by Section 8.1 of the Incorporated Covenants) without the prior written
      consent of the Lenders; and provided further that the rights of each
      Lender to transfer, assign or grant participations in its rights and/or
      obligations hereunder shall be limited as set forth below in this Section
      9.3.

            (b)   Assignments. Each Lender may assign to one or more Eligible
      Assignees all or a portion of its rights and obligations under this Credit
      Agreement (including, without limitation, all or a portion of its Term
      Loans, its Term Notes and its Commitment); provided, however, that:

                  (i)   each such assignment shall be to an Eligible Assignee;

                  (ii)  except (A) in the case of an assignment to another
            Lender, (B) in the case of an assignment of all of a Lender's rights
            and obligations under this Credit Agreement, or (C) with the consent
            of the Administrative Agent and the Borrower, any such partial
            assignment shall be in an amount at least equal to $1,000,000 (or,
            if less, the remaining amount of the Commitment of such assigning
            Lender) or an integral multiple of $500,000 in excess thereof;

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<PAGE>
                  (iii) each such assignment by a Lender shall be of a constant,
            and not varying, percentage of all of its rights and obligations
            under this Credit Agreement and the Term Notes; and

                  (iv)  the parties to such assignment shall execute and deliver
            to the Administrative Agent for its acceptance an assignment
            agreement in substantially the form of Exhibit 9.3(b), together with
            a processing fee from the assignor of $3,500.

      Upon execution, delivery, and acceptance of such assignment agreement, the
      assignee thereunder shall be a party hereto and, to the extent of such
      assignment, have the obligations, rights, and benefits of a Lender
      hereunder and the assigning Lender shall, to the extent of such
      assignment, relinquish its rights and be released from its obligations
      under this Credit Agreement. Upon the consummation of any assignment
      pursuant to this Section 9.3(b), the assigning Lender, the Administrative
      Agent and the Borrower shall make appropriate arrangements so that, if
      required, new Term Notes are issued to the assignee. If the assignee is
      not incorporated under the laws of the United States of America or a state
      thereof, it shall deliver to the Borrower and the Administrative Agent
      certification as to exemption from deduction or withholding of taxes in
      accordance with Section 3.13.

      By executing and delivering an assignment agreement in accordance with
      this Section 9.3(b), the assigning Lender thereunder and the assignee
      thereunder shall be deemed to confirm to and agree with each other and the
      other parties hereto as follows: (A) such assigning Lender warrants that
      it is the legal and beneficial owner of the interest being assigned
      thereby free and clear of any adverse claim and the assignee warrants that
      it is an Eligible Assignee; (B) except as set forth in clause (A) above,
      such assigning Lender makes no representation or warranty and assumes no
      responsibility with respect to any statements, warranties or
      representations made in or in connection with this Credit Agreement, any
      of the other Credit Documents or any other instrument or document
      furnished pursuant hereto or thereto, or the execution, legality,
      validity, enforceability, genuineness, sufficiency or value of this Credit
      Agreement, any of the other Credit Documents or any other instrument or
      document furnished pursuant hereto or thereto or the financial condition
      of any Credit Party or the performance or observance by any Credit Party
      of any of its obligations under this Credit Agreement, any of the other
      Credit Documents or any other instrument or document furnished pursuant
      hereto or thereto; (C) such assigning Lender and such assignee each
      represents and warrants that it is legally authorized to enter into such
      assignment agreement; (D) such assignee confirms that it has received a
      copy of this Credit Agreement, the other Credit Documents and such other
      documents and information as it has deemed appropriate to make its own
      credit analysis and decision to enter into such assignment agreement; (E)
      such assignee will independently and without reliance upon the
      Administrative Agent, such assigning Lender or any other Lender, and based
      on such documents and information as it shall deem appropriate at the
      time, continue to make its own credit decisions in taking or not taking
      action under this Credit Agreement and the other Credit Documents; (F)
      such assignee appoints and authorizes the Administrative Agent to take
      such action on its behalf and to exercise such powers under this Credit
      Agreement or any other Credit Document as are delegated to the
      Administrative Agent by the terms hereof or thereof, together with such
      powers as are reasonably incidental thereto; and (G) such assignee agrees
      that it will perform in accordance with their terms all the obligations
      which by the terms of this Credit Agreement and the other Credit Documents
      are required to be performed by it as a Lender.

            (c)   Register. The Administrative Agent shall maintain a copy of
      each Assignment Agreement delivered to and accepted by it and a register
      for the recordation of the names and addresses of the Lenders and the
      Commitment of, and principal amount of the Term Loans owing to, each
      Lender from time to time (the "Register"). The entries in the Register
      shall be conclusive and binding for all purposes, absent manifest error,
      and the Borrower, the Administrative Agent and the Lenders may treat each
      Person whose name is recorded in the Register as a Lender hereunder for
      all purposes of this Credit Agreement. The Register shall be available for
      inspection by the Borrower or any Lender at any reasonable time and from
      time to time upon reasonable prior notice.

            (d)   Acceptance. Upon its receipt of an assignment agreement
      executed by the parties thereto, together with any Note subject to such
      assignment and payment of the processing fee, the Administrative Agent
      shall, if such assignment agreement has been completed and is in
      substantially the form of

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<PAGE>
      Exhibit 9.3(b), (i) accept such assignment agreement, (ii) record the
      information contained therein in the Register and (iii) give prompt notice
      thereof to the parties thereto.

            (e)   Participations. Each Lender may sell participations to one or
      more Persons in all or a portion of its rights, obligations or rights and
      obligations under this Credit Agreement (including all or a portion of its
      Commitment and its Term Loans); provided, however, that (i) such Lender's
      obligations under this Credit Agreement shall remain unchanged, (ii) such
      Lender shall remain solely responsible to the other parties hereto for the
      performance of such obligations, (iii) each participant shall be entitled
      to the benefit of the yield protection provisions contained in Sections
      3.9 through 3.14, inclusive (but not for a greater amount than the Lender
      would be entitled to), and of the right of set-off contained in Section
      9.2, (iv) the Borrower shall continue to deal solely and directly with
      such Lender in connection with such Lender's rights and obligations under
      this Credit Agreement, and (v) such Lender shall retain the sole right to
      enforce the obligations of the Borrower relating to its Term Loans and its
      Term Notes and to approve any amendment, modification, or waiver of any
      provision of this Credit Agreement (other than amendments, modifications,
      or waivers decreasing the amount of principal of or the rate at which
      interest is payable on such Term Loans or Term Notes, extending any
      scheduled principal payment date or date fixed for the payment of interest
      on such Term Loans or Term Notes, extending its Commitment or releasing
      the Borrower or all or substantially all of the Guarantors from its or
      their respective obligations under the Credit Documents).

            (f)   Unrestricted Assignments. Notwithstanding any other provision
      set forth in this Credit Agreement, any Lender may at any time assign and
      pledge all or any portion of its Term Loans and its Term Notes to any
      Federal Reserve Bank as collateral security pursuant to Regulation A and
      any Operating Circular issued by such Federal Reserve Bank. No such
      assignment shall release the assigning Lender from its obligations
      hereunder.

            (g)   Information. Any Lender may furnish any information concerning
      the Credit Parties or any of their Subsidiaries in the possession of such
      Lender from time to time to assignees and participants (including
      prospective assignees and participants), subject, however, to the
      provisions of Section 9.14.

      9.4   NO WAIVER; REMEDIES CUMULATIVE.

      No failure or delay on the part of the Administrative Agent or any Lender
in exercising any right, power or privilege hereunder or under any other Credit
Document and no course of dealing between the Borrower or any other Credit Party
and the Administrative Agent or any Lender shall operate as a waiver thereof;
nor shall any single or partial exercise of any right, power or privilege
hereunder or under any other Credit Document preclude any other or further
exercise thereof or the exercise of any other right, power or privilege
hereunder or thereunder. The rights and remedies provided herein are cumulative
and not exclusive of any rights or remedies which the Administrative Agent or
any Lender would otherwise have. No notice to or demand on any Credit Party in
any case shall entitle any Credit Party to any other or further notice or demand
in similar or other circumstances or constitute a waiver of the rights of the
Administrative Agent or the Lenders to any other or further action in any
circumstances without notice or demand.

      9.5   PAYMENT OF EXPENSES; INDEMNIFICATION.

      The Credit Parties agree to: (a) pay all reasonable out-of-pocket costs
and expenses of (i) the Agent-Related Persons in connection with (A) the
negotiation, preparation, execution and delivery, syndication and administration
of this Credit Agreement and the other Credit Documents and the documents and
instruments referred to therein (including, without limitation, the reasonable
fees and expenses of Moore & Van Allen, PLLC, special counsel to the
Administrative Agent), subject to any limitation with respect to fees and
expenses in connection with the closing of this Credit Agreement set forth in
that certain Commitment Letter, dated October 24, 2001, among the Borrower, Bank
of America and BAS, and (B) any amendment, waiver or consent relating hereto and
thereto including, but not limited to, any such amendments, waivers or consents
resulting from or related to any work-out, renegotiation or restructure relating
to the performance by the Credit Parties under the Credit Documents, and (ii)
the Agent-Related Persons and the Lenders in connection with (A) enforcement of
the Credit Documents and the documents and instruments referred to herein and
therein, including, without limitation, in connection with any such enforcement,
the reasonable Attorneys' Costs of the Administrative Agent and each of the
Lenders and (B) any bankruptcy or insolvency proceeding of any member of the

                                       38
<PAGE>
consolidated group, and (b) indemnify the Agent-Related Persons and each Lender,
its officers, directors, employees, representatives, counsel and agents from and
hold each of them harmless against any and all losses, liabilities, claims,
damages or expenses incurred by any of them as a result of, or arising out of,
or in any way related to, or by reason of, any investigation, litigation or
other proceeding (whether or not such Agent-Related Person or any Lender is a
party thereto) related to the entering into and/or performance of any Credit
Document or the use of proceeds of any Term Loans hereunder or the consummation
of any other transactions contemplated in any Credit Document, including,
without limitation, reasonable Attorneys' Costs incurred in connection with any
such investigation, litigation or other proceeding (but excluding any such
losses, liabilities, claims, damages or expenses to the extent incurred by
reason of gross negligence or willful misconduct on the part of the Person to be
indemnified) (all of the foregoing, collectively, the "Indemnified
Liabilities"). The agreements in this Section 9.5 shall survive the termination
of the Commitments and the repayment of the Credit Party Obligations.

      9.6   AMENDMENTS, WAIVERS AND CONSENTS.

      Neither this Credit Agreement nor any other Credit Document nor any of the
terms hereof or thereof may be amended, changed, waived, discharged or
terminated unless such amendment, change, waiver, discharge or termination is in
writing and signed by the Required Lenders and the then Credit Parties; provided
that no such amendment, change, waiver, discharge or termination shall, without
the consent of each Lender affected thereby:

            (a)   extend the Maturity Date or the Extended Maturity Date (it
      being understood that an extension of the Maturity Date in accordance with
      the terms of Section 3.5(a) shall not require the consent of any Lender);

            (b)   reduce the rate or extend the time of payment of interest
      (other than as a result of waiving the applicability of any post-default
      increase in interest rates) on the Term Loans or fees hereunder;

            (c)   reduce or waive the principal amount of any Term Loan or
      extend the time of payment thereof;

            (d)   increase or extend the Commitment of a Lender (it being
      understood and agreed that a waiver of any Default or Event of Default or
      a waiver of any mandatory reduction in the Commitments shall not
      constitute a change in the terms of any Commitment of any Lender);

            (e)   release the Borrower from its obligations or consent to the
      assignment or transfer by the Borrower of any of its rights and
      obligations under (or in respect of) the Credit Documents, release all or
      substantially all of the other Guarantors from their respective
      obligations under the Credit Documents or release all or substantially all
      of the Collateral;

            (f)   amend, modify or waive any provision of this Section 9.6 or
      Section 3.7, 3.8, 7.1(a), 9.2, 9.3 or 9.5; or

            (g)   reduce any percentage specified in, or otherwise modify, the
      definition of Required Lenders.

Notwithstanding the above, no provision of Sections 3.4 or 8 may be amended or
modified without the consent of the Administrative Agent.

Each Lender understands and agrees that if such Lender is a Defaulting Lender
then, notwithstanding the provisions of this Section 9.6, it shall not be
entitled to vote on any matter requiring the consent of the Required Lenders or
to object to any matter requiring the consent of all the Lenders; provided,
however, that all other benefits and obligations under the Credit Documents
shall apply to such Defaulting Lender.

Notwithstanding the fact that the consent of all the Lenders is required in
certain circumstances as set forth above, (x) each Lender is entitled to vote as
such Lender sees fit on any reorganization plan that affects the Term Loans, and
each Lender acknowledges that the provisions of Section 1126(c) of the
Bankruptcy Code supersede the unanimous consent provisions set forth herein and
(y) the Required Lenders may consent to allow a Credit Party to use cash
collateral in the context of a bankruptcy or insolvency proceeding.

                                       39
<PAGE>
      9.7   COUNTERPARTS/TELECOPY.

      This Credit Agreement may be executed in any number of counterparts, each
of which when so executed and delivered shall be an original, but all of which
shall constitute one and the same instrument. Delivery of an executed
counterpart by telecopy shall be as effective as an original and shall
constitute a representation that an original will be delivered.

      9.8   HEADINGS.

      The headings of the sections and subsections hereof are provided for
convenience only and shall not in any way affect the meaning or construction of
any provision of this Credit Agreement.

      9.9   SURVIVAL OF INDEMNIFICATION.

      All indemnities set forth herein shall survive the execution and delivery
of this Credit Agreement, the making of the Term Loans and the repayment of the
Term Loans and other Credit Party Obligations and the termination of the
Commitments hereunder.

      9.10  GOVERNING LAW; VENUE; JURISDICTION.

            (a)   THIS CREDIT AGREEMENT AND THE OTHER CREDIT DOCUMENTS AND THE
      RIGHTS AND OBLIGATIONS OF THE PARTIES HEREUNDER AND THEREUNDER SHALL BE
      GOVERNED BY AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH THE LAWS OF
      THE STATE OF NEW YORK (INCLUDING SECTIONS 5-1401 AND 5-1402 OF THE NEW
      YORK GENERAL OBLIGATIONS LAW, BUT EXCLUDING ALL OTHER CHOICE OF LAW AND
      CONFLICTS OF LAW RULES). Any legal action or proceeding with respect to
      this Credit Agreement or any other Credit Document may be brought in the
      courts of the State of North Carolina or of the United States for the
      Western District of North Carolina, and, by execution and delivery of this
      Credit Agreement, each Credit Party hereby irrevocably accepts for itself
      and in respect of its Property, generally and unconditionally, the
      jurisdiction of such courts. Each Credit Party irrevocably consents to the
      service of process in any action or proceeding with respect to this Credit
      Agreement or any other Credit Document by the mailing of copies thereof by
      registered or certified mail, postage prepaid, to it at the address for
      notices pursuant to Section 9.1, such service to become effective ten days
      after such mailing. Nothing herein shall affect the right of a Lender to
      serve process in any other manner permitted by law or to commence legal
      proceedings or otherwise proceed against a Credit Party in any other
      jurisdiction. Each Credit Party agrees that a final judgment in any action
      or proceeding shall be conclusive and may be enforced in other
      jurisdictions by suit on the judgment or in any other manner provided by
      law; provided that nothing in this Section 9.10(a) is intended to impair a
      Credit Party's right under applicable law to appeal or seek a stay of any
      judgment.

            (b)   Each Credit Party hereby irrevocably waives any objection
      which it may now or hereafter have to the laying of venue of any of the
      aforesaid actions or proceedings arising out of or in connection with this
      Credit Agreement or any other Credit Document in the courts referred to in
      subsection (a) above and hereby further irrevocably waives and agrees not
      to plead or claim in any such court that any such action or proceeding
      brought in any such court has been brought in an inconvenient forum.

      9.11  WAIVER OF JURY TRIAL; WAIVER OF CONSEQUENTIAL DAMAGES.

      EACH OF THE PARTIES TO THIS CREDIT AGREEMENT HEREBY IRREVOCABLY WAIVES ALL
RIGHT TO TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM ARISING OUT OF
OR RELATING TO THIS CREDIT AGREEMENT, ANY OF THE OTHER CREDIT DOCUMENTS OR THE
TRANSACTIONS CONTEMPLATED HEREBY AND THEREBY. Each Credit Party agrees not to
assert any claim against the Administrative Agent, any Lender, any of their
Affiliates, or any of their respective directors, officers, employees, attorneys
or agents, on any theory of liability, for special, indirect, consequential or
punitive damages arising out of or otherwise relating to any of the transactions
contemplated herein and in the other Credit Documents.

                                       40
<PAGE>
      9.12  SEVERABILITY.

      If any provision of any of the Credit Documents is determined to be
illegal, invalid or unenforceable, such provision shall be fully severable and
the remaining provisions shall remain in full force and effect and shall be
construed without giving effect to the illegal, invalid or unenforceable
provisions.

      9.13  FURTHER ASSURANCES.

      The Credit Parties agree, upon the request of the Administrative Agent, to
promptly take such actions, as reasonably requested, as is necessary to carry
out the intent of this Credit Agreement and the other Credit Documents,
including without limitation such actions as are necessary or desirable in
connection with the creation, perfection and maintenance of the security
interests of the Lenders in the Collateral.

      9.14  CONFIDENTIALITY.

      Each Lender agrees that it will use reasonable efforts to keep
confidential any non-public information from time to time supplied to it under
any Credit Document; provided, however, that nothing herein shall prevent the
disclosure of any such information to (a) the extent a Lender in good faith
believes such disclosure is required by Requirement of Law or judicial process,
(b) counsel for a Lender or to its accountants, (c) bank examiners or auditors
or comparable Persons, (d) any Affiliate of a Lender, (e) any other Lender, or
any assignee, transferee or participant, or any potential assignee, transferee
or participant, of all or any portion of any Lender's rights under this Credit
Agreement who is notified of the confidential nature of such information or (f)
any other Person in connection with (i) any litigation to which any one or more
of the Lenders is a party if required by a court of law of competent
jurisdiction or (ii) any proceeding to enforce such Lender's rights hereunder,
under any other Credit Document or under any Hedging Agreement. No Lender shall
have any obligation under this Section 9.14 to the extent any such information
becomes available on a non-confidential basis from a source other than a Credit
Party or that any information becomes publicly available other than by a breach
of this Section 9.14 by any Lender or representative thereof.

      9.15  ENTIRETY.

      This Credit Agreement together with the other Credit Documents and the Fee
Letter represent the entire agreement of the parties hereto and thereto, and
supersede all prior agreements and understandings, oral or written, if any,
including any commitment letters or correspondence relating to the Credit
Documents or the transactions contemplated herein and therein.

      9.16  BINDING EFFECT; CONTINUING AGREEMENT.

            (a)   This Credit Agreement shall become effective at such time when
      all of the conditions set forth in Section 5.1 have been satisfied or
      waived by the Lenders and it shall have been executed by the Borrower, the
      Guarantors and the Administrative Agent, and the Administrative Agent
      shall have received copies hereof (telefaxed or otherwise) which, when
      taken together, bear the signatures of each Lender, and thereafter this
      Credit Agreement shall be binding upon and inure to the benefit of the
      Borrower, the Guarantors, the Administrative Agent and each Lender and
      their respective successors and assigns.

            (b)   This Credit Agreement shall be a continuing agreement and
      shall remain in full force and effect until all Term Loans, interest, fees
      and other Credit Party Obligations have been paid in full and all
      Commitments have been terminated. Upon termination, the Credit Parties
      shall have no further obligations (other than the indemnification
      provisions and other provisions that by their terms survive) under the
      Credit Documents; provided that should any payment, in whole or in part,
      of the Credit Party Obligations be rescinded or otherwise required to be
      restored or returned by the Administrative Agent or any Lender, whether as
      a result of any proceedings in bankruptcy or reorganization or otherwise,
      then the Credit Documents shall automatically be reinstated and all
      amounts required to be restored or returned and all costs and expenses
      incurred by the Administrative Agent or any Lender in connection therewith
      shall be deemed included as part of the Credit Party Obligations.

                                       41
<PAGE>
      9.17  CONFLICT WITH INTERCREDITOR AGREEMENT.

      In case of a conflict between any provision of this Credit Agreement and
any provision of the Intercreditor Agreement, the provisions of the
Intercreditor Agreement shall control. No such conflict shall be deemed to exist
merely because this Credit Agreement imposes greater obligations on the Credit
Parties than the Intercreditor Agreement.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                       42
<PAGE>
      Each of the parties hereto has caused a counterpart of this Credit
Agreement to be duly executed and delivered as of the date first above written.

BORROWER:

                               ORTHODONTIC CENTERS OF AMERICA, INC.,
                               a Delaware corporation

                               By:    /s/ Bartholomew F. Palmisano, Sr.
                               Name:  Bartholomew F. Palmisano, Sr.
                               Title: Chairman of the Board, President and Chief
                                      Executive Officer
<PAGE>
GUARANTORS:
                           ORTHODONTIC CENTERS OF ALABAMA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF ARIZONA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF ARKANSAS, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF CALIFORNIA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF COLORADO, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF CONNECTICUT, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF FLORIDA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF GEORGIA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF HAWAII, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF IDAHO, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF ILLINOIS, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF INDIANA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF KANSAS, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF KENTUCKY, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF LOUISIANA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF MAINE, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF MARYLAND, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF MASSACHUSETTS, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF MICHIGAN, INC.,

<PAGE>
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF MINNESOTA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF MISSISSIPPI, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF MISSOURI, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF NEVADA, INC.,
                           a Nevada corporation

                           ORTHODONTIC CENTERS OF NEW HAMPSHIRE, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF NEW JERSEY, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF NEW MEXICO, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF NEW YORK, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF NORTH CAROLINA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF NORTH DAKOTA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF OHIO, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF OKLAHOMA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF OREGON, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF PENNSYLVANIA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF PUERTO RICO, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF RHODE ISLAND, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF SOUTH CAROLINA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF TENNESSEE, INC.,
                           a Delaware corporation

<PAGE>
                           ORTHODONTIC CENTERS OF TEXAS, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF UTAH, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF VIRGINIA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF WASHINGTON, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF WASHINGTON D.C., INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF WEST VIRGINIA, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF WISCONSIN, INC.,
                           a Delaware corporation

                           ORTHODONTIC CENTERS OF WYOMING, INC.,
                           a Delaware corporation

                           ORTHALLIANCE, INC.,
                           a Delaware corporation

                           ORTHALLIANCE FINANCE, INC.,
                           a Delaware corporation

                           ORTHALLIANCE PROPERTIES, INC.,
                           a California corporation

                           ORTHALLIANCE SERVICES, INC.,
                           a California corporation

                           ORTHALLIANCE HOLDINGS, INC.,
                           a Texas corporation

                           ORTHALLIANCE NEW IMAGE, INC.,
                           a Delaware corporation

                           PEDOALLIANCE, INC.,
                           a Delaware corporation

                           PEDOALLIANCE PROPERTIES, INC.,
                           a California corporation

                           By:     /s/ Bartholomew F. Palmisano, Sr.
                           Name:   Bartholomew F. Palmisano, Sr.
                           Title:  President of each of the foregoing Guarantors
<PAGE>
LENDERS:

                                BANK OF AMERICA, N.A.,
                                individually in its capacity as a Lender and in
                                its capacity as Administrative Agent

                                By: /s/ Larry J. Gordon
                                Name: Larry J. Gordon
                                Title: Principal
<PAGE>
                                BANK ONE, NA

                                By:     /s/ Steven Nance
                                Name:   Steven Nance
                                Title:  Vice President

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