Document:

<PAGE>

                                                                     Exhibit 4.1

                              CONSULTING AGREEMENT

         This Consulting Agreement (the "Consulting Agreement") made as of
February 28, 2001, by and between Bruce Barron ("Consultant"), whose
credentials are listed under the website www.emcohanover.com and I2CORP.COM
with offices at 5392 S. Eastern Avenue, Building A North, Las Vegas, 89015
(the "Company").

                                   WITNESSETH

         WHEREAS, the Company requires and will continue to require consulting
services relating to management, strategic planning and marketing in connection
with its business; and

         WHEREAS, Consultant can provide the Company with strategic planning and
marketing consulting services and is desirous of performing such services for
the Company; and

         WHEREAS, the Company wishes to induce Consultant to provide these
consulting services to the Company,

         NOW, THEREFORE, in consideration of the mutual covenants hereinafter
stated, it is agreed as follows:

         1.       APPOINTMENT.

         The Company hereby engages Consultant and Consultant agrees to render
services to the Company as a consultant upon the terms and conditions
hereinafter set forth.

         2.       TERM.

         The term of this Consulting Agreement began as of the date of this
Agreement, and shall terminate on August 28, 2001, unless earlier terminated in
accordance with paragraph 8 herein or extended as agreed to between the parties.

         3.       SERVICES.

         During the term of this Agreement, Consultant shall provide advice to,
undertake for and consult with the Company concerning management, marketing,
consulting, strategic planning, corporate organization and structure, financial
matters in connection with the operation of the businesses of the Company,
expansion of services, acquisitions

                                       1
<PAGE>

and business opportunities, and shall review and advise the Company regarding
its overall progress, needs and condition. Consultant agrees to provide on a
timely basis the following enumerated services plus any additional services
contemplated thereby:

                  (a) The implementation of short-range and long-term strategic
planning to fully develop and enhance the Company's assets, resources, products
and services;

                  (b) The implementation of an international marketing program
to enable the Company to broaden the markets for its services and promote the
image of the Company and its products and services;

                  (c) Advise the Company relative to the recruitment and
employment of key executives consistent with the expansion of operations of the
Company;

                  (d) The identification, evaluation, structuring, negotiating
and closing of international joint ventures, strategic alliances, business
acquisitions and advice with regard to the ongoing managing and operating of
such acquisitions upon consummation thereof; and

                  (e) Advice and recommendations regarding corporate financing
including the structure, terms and content of bank loans, institutional loans,
private debt funding, mezzanine financing, blind pool financing and other
preferred and common stock equity private or public financing.

         4.       DUTIES OF THE COMPANY.

         The Company shall provide Consultant, on a regular and timely basis,
with all approved data and information about it, its subsidiaries, its
management, its products and services and its operations as shall be reasonably
requested by Consultant, and shall advise Consultant of any facts which would
affect the accuracy of any data and information previously supplied pursuant to
this paragraph. The above will be done upon request of the consultant.

         5.       COMPENSATION.

         The Company will immediately grant Consultant the cashless option to
purchase 2,500,000 shares of the Company's Common Stock with an exercise price
at $.12 per share, which option shall expire on February 28, 2004 at 5:00 P.M.
P.S.T. Consultant in providing the foregoing services shall be reimbursed for
any pre-approved out-of-pocket costs, including, without limitation, travel,
lodging, telephone, postage and Federal Express charges.

                                       2
<PAGE>

         6.       REPRESENTATION AND INDEMNIFICATION.

         The Company shall be deemed to have been made a continuing
representation of the accuracy of any and all facts, material information and
data which it supplies to Consultant and acknowledges its awareness that
Consultant will rely on such continuing representation in disseminating such
information and otherwise performing its advisory functions. Consultant in the
absence of notice in writing from the Company will rely on the continuing
accuracy of material, information and data supplied by the Company. Consultant
represents that he has knowledge of and is experienced in providing the
aforementioned services.

         7.       CONFIDENTIALITY

                  a. Subject to the limitations set forth in subsection b, all
information disclosed to the Consultant shall be deemed "proprietary
information." In particular, proprietary information shall be deemed to include
any information, marketing technique, publicity technique, public relations
technique, process, algorithm, computer code, computer language, program,
design, drawing, mask work, formula, or test data research, work in progress,
future development, engineering, manufacturing, marketing, servicing, financing,
or personal matter relating to the disclosing party, its present or future
products, sales, suppliers, clients, customers, employees, investors, or
business, whether in whole or in part, oral, written, graphic, or in an
electronic form.

                  The term "proprietary information" shall not be deemed to
include any information which (i) is now, or hereafter becomes, through no act
or failure to act on the part of the Consultant, generally known or available
information; (ii) is known by the Consultant at the time of receiving such
information as evidenced by its records; (iii) is hereafter furnished to the
Consultant by a third party, as a matter of right and without restriction on
non-disclosure; (iv) is independently developed by the Consultant without
reference to the information disclosed hereunder; or (v) is the subject of a
written permission to disclose provided by the Company.

         Not withstanding any other provision of this Agreement, disclosure of
proprietary information shall not be precluded if such disclosure:

         a. Is in response to a valid order of a Court or other governmental
            body of the United States of America, or any other political
            subdivision thereof;
         b. Is otherwise required by law; or
         c. Is otherwise necessary to establish rights or enforce obligations
            under this Agreement, but only to the extent that any such
            disclosure is necessary.

         In the event that the Consultant is requested in any proceedings before
a court or any governmental body to disclose proprietary information, the
Consultant shall give the Company prompt notice of such request so that the
Company may seek an appropriate protective order. If in the absence of a
protective order, the Consultant is nonetheless compelled to disclose
proprietary information, the Consultant may disclose such information without
liability hereunder; provided however, that the Consultant gives the Company
advanced written notice of the information to be disclosed and upon the request

                                       3
<PAGE>

and at the expense of the Company, uses its best efforts to obtain assurances
that confidential treatment will be accorded to such information.

                  b. Consultant shall maintain trust and confidence and not
disclose to any third party or use for any unauthorized purpose any proprietary
information received from the Company. The Consultant may use such proprietary
information in the extent required to accomplish the purpose of the discussions
with respect to the subject. Proprietary information shall not be used for any
purpose or in any manner that would constitute a violation of a valid law or
regulation, including without limitation, export control law of the United
States of America. No other rights or licenses to trademarks, inventions,
copyrights or patents are implied or granted under this Agreement.

         8.       MISCELLANEOUS.

         TERMINATION: This Agreement may be terminated, with cause, by either
Party upon written notice to the other Party. Termination shall be effective
five (5) business days from the date of such notice.

         As used in this Agreement, the term with cause shall mean, the
conviction of any crime involving dishonesty or resulting in imprisonment
without the option of a fine, or the material non-observance, or the material
breach by Consultant of any of the material provisions of this Agreement, or the
neglect, failure or refusal of consultant to carry out the duties contracted by
him after due notice to the consultant of such neglect, failure or refusal.

         MODIFICATION: This Consulting Agreement sets forth the entire
understanding of the Parties with respect to the subject matter hereof. This
Consulting Agreement may be amended only in writing signed by both Parties.

         INSIDE TRADING: Consultant warrants not to use inside information as a
basis to trade the Company's stock.

         SUPERCEDES: This Agreement supercedes any prior agreements between the
above referenced parties.

         NOTICES: Any notice required or permitted to be given hereunder shall
be in writing and shall be mailed or otherwise delivered in person or by
facsimile transmission at the address of such Party set forth above or to such
other address or facsimile telephone number, as the Party shall have furnished
in writing to the other Party.

         WAIVER: Any waiver by either Party of a breach of any provision of
this Consulting Agreement shall not operate as or be construed to be a waiver of
any other breach of that provision or of any breach of any other provision of
this Consulting Agreement. The failure of a Party to insist upon strict
adherence to any term of this Consulting Agreement on one or more occasions will
not be considered a waiver or

                                       4
<PAGE>

deprive that Party of the right thereafter to insist upon adherence to that term
of any other term of this Consulting Agreement.

         ASSIGNMENT: The Options under this Agreement are non-assignable.

         SEVERABILITY: If any provision of this Consulting Agreement is invalid,
illegal, or unenforceable, the balance of this Consulting Agreement shall remain
in effect, and if any provision is inapplicable to any person or circumstance,
it shall nevertheless remain applicable to all other persons and circumstances.

         DISAGREEMENTS: Any dispute or other disagreement arising from or out of
this Consulting Agreement shall be submitted to arbitration under the rules of
the American Arbitration Association and the decision of the arbiter(s) shall be
enforceable in any court having jurisdiction thereof. Arbitration shall occur
only in Las Vegas. The interpretation and the enforcement of this Agreement
shall be governed by Nevada Law as applied to residents of the State of Nevada
relating to contracts executed in and to be performed solely within the State of
Nevada. In the event any dispute is arbitrated, the prevailing Party (as
determined by the arbiter(s)) shall be entitled to recover that Party's
reasonable attorney's fees incurred (as determined by the arbiter(s)).

         IN WITNESS WHEREOF, this Consulting Agreement has been executed by the
Parties as of the date first above written.

I2CORP.COM                                        CONSULTANT

/s/ DEEDEE MOLNICK                                /s/ BRUCE BARREN
----------------------------                      ------------------------------
deedee Molnick                                    Bruce Barren
Chief Executive Officer

                                       5Prepared by MERRILL CORPORATION www.edgaradvantage.com

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Exhibit 4.10  

 
 

SECOND AMENDMENT TO CREDIT AGREEMENT    
  

    This SECOND AMENDMENT TO CREDIT AGREEMENT dated as of March 1, 2001 (this "Amendment"), among AFFINITY
GROUP, INC. (the "Borrower"), THE GUARANTORS PARTY HERETO (the "Guarantors"), THE LENDERS PARTY
HERETO (the "Lenders"), FLEET NATIONAL BANK, as Administrative Agent (the "Administrative Agent"), THE
PROVIDENT BANK, as Syndication Agent (the "Syndication Agent") and BANK ONE KENTUCKY, NA, as Documentation Agent (the
"Documentation Agent" and together with the Administrative Agent and the Syndication Agent, the
"Agents"). 

    WHEREAS,
the Credit Agreement (as defined below) provides that the Lenders may make Revolving Credit and Term Loans to the Borrower, and that the Issuing Lender may issue Letters of
Credit; and 

    WHEREAS,
the Credit Parties, the Lenders (including the Issuing Lender), and the Agents wish to amend the Credit Agreement to revise certain covenants and other provisions; 

    NOW,
THEREFORE, in consideration of the foregoing and the agreements contained herein, the parties hereby agree as follows: 

	1.
	Reference to Credit Agreement.

    Reference
is made to the Amended and Restated Credit Agreement dated as of November 13, 1998, as amended by the First Amendment to Credit Agreement dated as of
October 29, 1999, among the Borrower, the Guarantors, the Lenders, the Administrative Agent, the Syndication Agent and the Documentation Agent (as the same may be further amended and restated
from time to time, the
"Credit Agreement"). Capitalized terms used herein which are defined in the Credit Agreement have the same meanings herein as therein, except to the
extent that such meanings are amended hereby. 

	2.
	Amendments.

    The
Credit Parties, the Lenders, the Administrative Agent and the Documentary Agent agree that the Credit Agreement is hereby amended, effective as of the date hereof, as follows: 

    (a) The
chart in clause (b) of the definition of "Applicable Margin" is hereby deleted and replaced with the chart below. 

	 
	 	Revolving Credit Loans, Swing Loans, Term A Loans
	 	Term B Loans
	 
	Consolidated Total

Leverage Ratio
	 	Base Rate Loans
	 	Eurodollar Loans
	 	Base Rate Loans
	 	Eurodollar Loans
	 
	Greater than or equal to 4.75 to 1	 	2.125	%	3.375	%	2.875	%	4.125	%
	Less than 4.75 to 1 but greater than or equal to 4.25 to 1	 	1.375	%	2.625	%	2.375	%	3.625	%
	Less than 4.25 to 1 but greater than or equal to 3.50 to 1	 	1.125	%	2.375	%	2.375	%	3.625	%
	Less than 3.50 to 1	 	0.875	%	2.125	%	2.375	%	3.625	%

    (b) Section 2.3(b)
is hereby amended by deleting the period at the end of clause (v) and replaced with "; and" and the following clause (vi) is
hereby added thereafter: 

    (vi) in
the case of a Revolving Credit Borrowing, the amount of Revolving Credit Exposure after giving effect to such requested Borrowing which Revolving Credit
Exposure shall not exceed $63,000,000 if the Consolidated Total Leverage Ratio as set forth in the Compliance Certificate most recently delivered pursuant to Section 6.1(d) exceeds 5.00 to 1. 

62

 

    (c) Section 2.10(b)(v) is
deleted and replaced by the following: 

    (v) Excess
Cash Flow. Not later than the date 90 days after the end of each fiscal year of the Borrower for which Excess Cash Flow exceeds $1,000,000 commencing
with the fiscal year ending December 31, 2000, the Borrower shall prepay the Loans (and/or provide cover for LC Exposure as specified in Section 2.4 (i)) and reduce the Commitments as
provided in Section 2.10(c) in an amount equal to (A) 100% of Excess Cash Flow if the Consolidated Total Leverage Ratio (in each case pursuant to this clause (v), as reported on
the Compliance Certificate delivered with the financial statements required by Section 6.1(a) for such fiscal year) is greater than or equal to 4.75 to 1.00 for such fiscal year or
(B) 65% of Excess Cash Flow if the Consolidated Total Leverage Ratio is less than 4.75 to 1.00, with respect to such fiscal year. 

    (d) Section 2.9(a)
is hereby amended by adding the following at the end of such section: 

In
addition, if at any time after the delivery of any Compliance Certificate pursuant to Section 6.1(d) the calculation of the Consolidated Total Leverage Ratio set forth therein exceeds 5.00
to 1, then the Borrower shall repay the Revolving Credit Loans such that the Revolving Credit Exposure does not exceed $63,000,000 after such prepayment. 

    (e) The
following Section 6.16 is hereby added: 

    6.16  Bank Accounts.  Except for the bank accounts listed on  Schedule 6.16 attached hereto with aggregate deposit amounts in such accounts not in
excess of amounts required to be maintained in such accounts
for the operation of the business of the Credit Parties consistent with past practice, the Credit Parties shall maintain all deposit or other bank accounts with the Administrative Agent or a Lender
and will not instruct any account debtor to make payment to any account, other than to a bank account maintained with the Administrative Agent or a Lender. In addition, the Credit Parties shall not
terminate, amend or otherwise modify the sweep account arrangements with Fleet without the prior written consent of the Required Lenders. 

    (f)  Schedule 6.16
attached hereto is hereby added as a schedule to the Credit Agreement. 

    (g) Clause (z)
of Section 7.4 is deleted in its entirety and replaced with the following, "(z) commencing with the fiscal year ending December 31,
2002, Sale-Leaseback Transactions by Camping World or CWI, Inc." 

    (h) Clause (vi)
of Section 7.6(a) is deleted and replaced with the following: 

    (vi) so
long as no Default shall have occurred or be continuing or shall be caused thereby, for each fiscal year commencing with the fiscal year ending
December 31, 2000, the Borrower may declare and make a Restricted Junior Payment to the Holding Company in respect of such fiscal year in the amount equal to the amount of the Permitted Cash
Flow Distribution in respect of such fiscal year, such Restricted Junior Payment to be made at any time on or after the date of the making of mandatory prepayments in respect of Excess Cash Flow of
such year pursuant to Section 2.10(b)(v) beginning on the date of the delivery by the Borrower to the Lenders of the financial statements for such year required to be delivered pursuant
to Section 6.1(a), accompanied by a Compliance Certificate required to be delivered pursuant to Section 6.1(d), and ending on the date which is 90 days thereafter. 

    (i)  Section 7.6(b)
is deleted in its entirety. 

63

 

    (j)  Section 7.9 is hereby deleted in its entirety and replaced by the following: 

    (a)  Consolidated Fixed Charges Ratio.  The Credit Parties will not permit the Consolidated Fixed Charges
Ratio as at the last day of any fiscal quarter during any period below to less than the ratio set opposite such period below: 

	Period
 
	 	Ratio

	October 1, 2000 through December 31, 2000	 	1.05 to 1
	

January 1, 2001 through December 31, 2001	
 	

1.00 to 1
	

January 1, 2002 and at all times thereafter	
 	

1.05 to 1

    (b)  Consolidated Total Leverage Ratio.  The Credit Parties will not permit the Consolidated Total
Leverage Ratio at any time during any period below to exceed the ratio set opposite such period below: 

	Period
 
	 	Ratio

	October 1, 2000 through September 30, 2001	 	5.75 to 1
	

October 1, 2001 through December 31, 2001	
 	

5.50 to 1
	

January 1, 2002 and at all times thereafter	
 	

4.50 to 1

    (c)  Consolidated Senior Leverage Ratio.  The Credit Parties will not permit the Consolidated Senior
Leverage Ratio at any time during any period below to exceed the ratio set opposite such period below: 

	Period
 
	 	Ratio

	October 1, 2000 through June 30, 2001	 	3.25 to 1
	

July 1, 2001 and at all times thereafter	
 	

3.00 to 1

    (d)  Consolidated Operating Cash Flow.  The Credit Parties will not permit Consolidated Operating Cash
Flow, for any period of four consecutive fiscal quarters most recently ended, during any of the periods set forth below to be less than the amount set opposite such period: 

	Period
 
	 	Consolidated Operating

Cash Flow

	October 1, 2000 through September 30, 2001	 	$	47 million
	

October 1, 2001 through December 31, 2001	
 	
$	

48 million
	

January 1, 2002 and at all times thereafter	
 	
$	

63 million

    (e)  Capital Expenditures.  The Credit Parties will not permit the aggregate amount of Capital
Expenditures to exceed (i) $17,000,000 in the fiscal year ending December 31, 2000, (ii) $8,000,000 in the fiscal year ending December 31, 2001 and (iii) $17,000,000
in any fiscal year thereafter. 

    3.  No Default; Representations and Warranties, etc.  

    (a) The
Credit Parties hereby confirm that: (a) the representations and warranties of the Credit Parties contained in Article 4 of the Credit Agreement
are true on and as of the date hereof as if made on such date (except to the extent that such representations and warranties expressly relate to an earlier date); (b) the Credit Parties are in
compliance in all material respects with all of the terms and
provisions set forth in the Credit Agreement on their part to be observed or performed thereunder; and (c) after giving effect to this Amendment, no Event of Default, nor any event which with
the giving 

64

 

of notice or expiration of any applicable grace period or both would constitute such an Event of Default, shall have occurred and be continuing. 

    4.  Conditions to this Amendment.  

    Concurrently
herewith (and as conditions to the Lenders' consent to this Amendment), the Credit Parties will furnish the Administrative Agent with the following: 

    a)  Appropriate
corporate resolutions, if necessary, and such other certificates, instruments and documents as the Administrative Agent may reasonably request for the
purpose of implementing or effectuating the provisions of the Credit Agreement, as hereby amended, or this Amendment. 

    (b) Payment
to each Lender who has agreed to this Amendment and executed its signature line below of an amendment fee in an amount equal to 0.25% of the sum of such
Lender's Revolving Credit Commitments plus the outstanding principal amount of its Term Loans. 

    (c) Revised
financial projections for the fiscal year ending December 31, 2001. 

    (d) Such
other documents and instruments as the Administrative Agent may reasonably require in order to put this Amendment into full force and effect. 

    5.  Miscellaneous.  

    (a) Except
to the extent specifically amended hereby, the Credit Agreement, the Loan Documents and all related documents shall remain in full force and effect. Whenever
the terms or sections amended hereby shall be referred to in the Credit Agreement, Loan Documents or such other documents
(whether directly or by incorporation into other defined terms), such defined terms shall be deemed to refer to those terms or sections as amended by this Amendment. 

    (b) This
Amendment may be executed in any number of counterparts, each of which, when executed and delivered, shall be an original, but all counterparts shall together
constitute one instrument. 

    (c) This
Amendment shall be governed by the laws of the Commonwealth of Massachusetts and shall be binding upon and inure to the benefit of the parties hereto and their
respective successors and assigns. 

    (d) The
Credit Parties agree to pay all reasonable expenses, including legal fees and disbursements incurred by the Administrative Agent in connection with this
Amendment and the transactions contemplated hereby and in connection with a review of the Collateral by Special Counsel. 

    IN
WITNESS WHEREOF, the parties hereto have executed this Amendment which shall be deemed to be a sealed instrument as of the date first above written. 

	 	 	BORROWER
	

 	
 	

AFFINITY GROUP, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess
	

 Title: Senior Vice President	 	 	 	 

65

 

	

 	
 	
SUBSIDIARIES/GUARANTORS
	

 	
 	

A - B DEVELOPMENT CO.
	

 	
 	

By:	
 	

AGI PROPERTIES OF COLORADO, INC., a General Partner
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

AFFINITY BROKERAGE, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

AFFINITY ROAD AND TRAVEL CLUB, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

AGI PROPERTIES OF COLORADO, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

AGI REAL ESTATE HOLDINGS, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

AFFINITY ROAD AND TRAVEL HOLDING CORP.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

CAMP COAST TO COAST, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President

66

 

	

 	
 	

CAMPING REALTY, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

CAMPING WORLD, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

CWI, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

CW MICHIGAN, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

CW TEXAS, LP
	

 	
 	

By:	
 	

AFFINITY GROUP, INC., its General Partner
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

EHLERT PUBLISHING GROUP, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

EXPOSITIONS GROUP, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President

67

 

	

 	
 	

GOLF CARD HOLDING CORPORATION
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

GOLF CARD INTERNATIONAL CORP.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

GOLF CARD RESORT SERVICES, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

GSS ENTERPRISES, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

TL ENTERPRISES, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

VBI, INC.
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President
	

 	
 	

WOODALL PUBLICATIONS CORPORATION
	

 	
 	

By:	
 	

/s/    
 Name: Mark J. Boggess

Title: Senior Vice President

68

  

 
 

SIGNATURE PAGES OF AGENTS AND LENDERS    
  

	

 	
 	
ADMINISTRATIVE AGENT
	

 	
 	

FLEET NATIONAL BANK, as Administrative Agent
	

 	
 	

By:	
 	

/s/    
 Name: Howard J. Diamond

Title: Vice President
	

 	
 	
LENDER
	

 	
 	

FLEET NATIONAL BANK
	

 	
 	

By:	
 	

/s/    
 Name: Howard J. Diamond

Title: Vice President
	

 	
 	
SYNDICATION AGENT
	

 	
 	

THE PROVIDENT BANK, as Syndication Agent
	

 	
 	

By:	
 	

/s/    
 Name: Steve Touvelle

Title: Vice President
	

 	
 	
LENDER
	

 	
 	

THE PROVIDENT BANK
	

 	
 	

By:	
 	

/s/    
 Name: Steve Touvelle

Title: Vice President
	

 	
 	
DOCUMENTATION AGENT
	

 	
 	

BANK ONE, KENTUCKY, NA
	

 	
 	

By:	
 	

/s/    
 Name: Kevin Christensen

Title: Officer

69

 

	

 	
 	
LENDER
	

 	
 	

BANK ONE, KENTUCKY, NA
	

 	
 	

By:	
 	

/s/    
 Name: Kevin Christensen

Title: Officer
	

 	
 	
LENDER
	

 	
 	

CIBC INC.
	

 	
 	

By:	
 	

/s/    
 Name: Amy V. Kothari

Title: Executive Director
	

 	
 	
LENDER
	

 	
 	

FIRSTAR BANK N.A.
	

 	
 	

By:	
 	

/s/    
 Name: Eric A. Walker

Title: Senior Relationship Manager
	

 	
 	
LENDER
	

 	
 	

GOLDENTREE HIGH YIELD PARTNERS LP
	

 	
 	

By:	
 	

 
	

 	
 	

By:	
 	

/s/    
 Name: Frederick Haddad

Title: Partner
	

 	
 	

GOLDENTREE HIGH YIELD OPPORTUNITIES I, LP
	

 	
 	

By:	
 	

 
	

 	
 	

By:	
 	

/s/    
 Name: Frederick Haddad

Title: Partner

70

 

	

 	
 	
LENDER
	

 	
 	

CITIZENS BANK OF MASSACHUSETTS
	

 	
 	

By:	
 	

/s/    
 Name: Ralph M. Hinckley

Title: Assistant Vice President
	

 	
 	
LENDER
	

 	
 	

ARCHIMEDES FUNDING II LTD.
	

 	
 	

By:	
 	

ING Capital Advisors LLC as Collateral Manager
	

 	
 	

By:	
 	

/s/    
 Name: Amy Grenier

Title: Vice President
	

 	
 	
LENDER
	

 	
 	

KZH ING-1 LLC
	

 	
 	

By:	
 	

/s/    
 Name: Susan Lee

Title: Authorized Agent
	

 	
 	

KZH ING-2 LLC
	

 	
 	

By:	
 	

/s/    
 Name: Susan Lee

Title: Authorized Agent
	

 	
 	

KZH ING-3 LLC
	

 	
 	

By:	
 	

/s/    
 Name: Susan Lee

Title: Authorized Agent

71

 

	

 	
 	
LENDER
	

 	
 	

BLACK DIAMOND CLO 1998-I LTD.
	

 	
 	

By:	
 	

/s/    
 Name: John H. Cullinane

Title: Director
	

 	
 	

BLACK DIAMOND CLO 2000-I LTD.
	

 	
 	

By:	
 	

/s/    
 Name: David Dyer

Title: Director
	

 	
 	

FIRST SOURCE FINANCIAL LLP
	

 	
 	

By:	
 	

First Source Financial, Inc., its agent/manager
	

 	
 	

By:	
 	

/s/    
 Name: Maureen S. Ault

Title: Vice President

72

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SECOND AMENDMENT TO CREDIT AGREEMENT

SIGNATURE PAGES OF AGENTS AND LENDERS

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