Document:

<PAGE>   1

                                                                     EXHIBIT 4.6

                                 AMENDMENT NO. 1

                                       TO

                    RESTATED AMVESTORS FINANCIAL CORPORATION

                       1989 NONQUALIFIED STOCK OPTION PLAN

          WHEREAS, AmerUs Annuity Group Co., f/k/a AmVestors Financial
Corporation, a Kansas corporation (the "Corporation"), heretofore has
established and maintained the "RESTATED AMVESTORS FINANCIAL CORPORATION 1989
NONQUALIFIED STOCK OPTION PLAN" (the "Plan"), an incentive stock option plan for
the benefit of certain of its employees and certain employees of its affiliates;

     WHEREAS, effective December 19, 1997, the Corporation merged with and into
     AmerUs Group Co., f/k/a AmerUs Life Holding, Inc., an Iowa corporation
     ("AGC"), pursuant to which each outstanding share of the common stock of
     the Corporation became 0.6724 shares of AGC stock for every share of their
     Corporation stock (the "Merger"); and

          WHEREAS, the Corporation desires to amend the Plan to reflect the
assumption of the Plan by the Corporation and the substitution of Corporation
common stock for AGC common stock in the Plan's company stock fund.

          NOW, THEREFORE, the Plan is hereby amended, effective December 19,
1997, as follows:

          6.   The title of the Plan shall hereinafter be the "RESTATED AMERUS
               ANNUITY GROUP CO. 1989 NONQUALIFIED STOCK OPTION PLAN."

          2.   Section 1 of the Plan is hereby amended and restated as follows:

     "1.   Statement of Purpose. The purpose of this Restated Nonqualified
Stock Option Plan (the "Plan") is to establish and continue as close an identity
as is feasible between the interests of AmerUs Annuity Group Co. (the
"Corporation") and its subsidiaries and the Directors, officers and employees of
the Corporation and its subsidiaries (the "Eligible Participants"). The Plan is
intended to encourage a sense of proprietorship on the part of the Eligible
Participants, who will be largely responsible for the continued growth of the
Corporation and its subsidiaries, to recognize past valuable services of such
Eligible Participants, to furnish such Eligible Participants with further
incentive to develop and promote the business and financial success of the
Corporation and its subsidiaries, and to induce such Eligible Participants to
continue in the service of the Corporation or its subsidiaries by providing a
means whereby such Eligible Participants may be given an opportunity to purchase
shares of common stock of the Corporation's parent company, AmerUs Group Co., an
Iowa corporation (or any successor corporation) ("AGC Stock"). The Plan will
also serve to effectuate the Corporation's intention of granting options to
certain Eligible Participants in substitution for certain options originally
granted to such Eligible Participants under (a) the Corporation's old Incentive
Stock Option Plan, adopted August 14, 1986 (the "1986 Incentive Stock Options");
(b) the Corporation's old Nonqualified Stock Option Plan, adopted August 14,
1986 (the "1986 Nonqualified 'Stock Options"; and (c) the resolution adopted by
the Board of Directors (the "Board of Directors") of the Corporation on August
14, 1986, pursuant to which certain options to purchase shares of common stock
of American Investors Life Insurance Company, Inc. were converted into options
to purchase shares of common stock of the Corporation (the "American Investors
Options") (collectively the "Exchanged Options")."

          3.   Section 2 of the Plan is hereby amended and restated as follows:

     "2. Administration by Board. The Plan shall be administered by the Board
of Directors. The Board of Directors shall be the sole determinant of which
Eligible Participants may be granted options to purchase shares of AGC Stock
under the Plan, how many shares each Eligible Participant may purchase, the
price to be paid for the

<PAGE>   2

shares, the terms of payment, the option period, and any interpretations of the
Plan's intent and operation. In administering the Plan, the vote of a majority
of the Directors voting, provided they constitute a quorum under the
Corporation's bylaws, shall be conclusive."

          4.   Section 4 of the Plan is hereby amended and restated as follows:

     "4. Availability of Stock. A total of 1,405,970 shares of AGC Stock shall
be available to the Plan. These shares may come from authorized but unissued
shares and from issued and reacquired shares, including shares issued in
accordance with the Plan and reacquired by the Corporation. Shares of AGC Stock
available to the Plan may be subject to any restrictions placed on them by the
Board of Directors in accordance with the terms of the Plan or the Nonqualified
Stock Option Agreement described below. The total number of shares available to
the Plan shall be adjusted to account for stock splits, stock dividends, reverse
stock splits, granting of warrants, and the like."

          5.   The first paragraph of Section 7 of the Plan is hereby amended
               and restated as follows:

     "7. Manner of Exercise. The payment of the option exercise price of an
option hereunder shall be either in cash or, if the Board of Directors, in its
sole discretion, so specifies, through delivery to the Corporation of shares of
AGC Stock with an aggregate fair market value equal to the option exercise
price, or by any combination of cash and shares (if the Board of Directors has
approved payment through delivery of shares). The fair market value of shares
delivered as payment, in whole or in part, of the option exercise price shall
be:"

          6.   Section 9 of the Plan is hereby amended and restated as follows:

     "9. Stock Reserve. The Corporation at all times during the term of this
Plan shall reserve and keep available such number of shares of AGC Stock as will
be sufficient to satisfy the requirements of this Plan, and shall pay all fees
and expenses necessarily incurred by the Corporation in connection with the
exercise of options granted hereunder."<PAGE>   1

                                                                     Exhibit 4.4

                              AMENDMENT NUMBER FOUR
                      ALL*AMERUS SAVINGS & RETIREMENT PLAN

                  WHEREAS, AmerUs Life Holdings, Inc., an Iowa corporation
("AmerUs Life"), heretofore has established and maintained the "All*AmerUs
Savings & Retirement Plan" (the "Plan"), a defined contribution plan for the
benefit of certain of its employees and certain employees of its affiliates;

                  WHEREAS, effective September 20, 2000, AmerUs Life merged with
and into AmerUs Group Co., an Iowa corporation (the "Company"), pursuant to
which each outstanding share of the common stock of AmerUs Life became one share
of common stock of the Company (the "Merger"); and

                  WHEREAS, the Company desires to amend the Plan to reflect the
assumption of the Plan by the Company and the substitution of Company common
stock for AmerUs Life common stock in the Plan's company stock fund.

                  NOW, THEREFORE, the Plan is hereby amended, effective
September 20, 2000, as follows:

                           PART III, Section 15 of Article I is amended to read
                           as follows:

                  (15)     COMPANY STOCK:

                           The common stock of AmerUs Group Co. (or any
                           successor entity).

                           PART IV, Section (20) of Article I is amended to
                           read as follows:

                  (20)     CORPORATION:

                           AmerUs Group Co. (or any successor entity).<PAGE>   1
                                                                    EXHIBIT 10.1

                  ASSUMPTION AGREEMENT AND FIFTH AMENDMENT TO
                 AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT

        THIS ASSUMPTION AND FIFTH AMENDMENT (this "AMENDMENT") made this 9th day
of July, 2001, is by and among O'CHARLEY'S INC., a Tennessee corporation
("ORIGINAL BORROWER"), OCI, INC., a Delaware corporation ("OCI"), O'CHARLEY'S
SPORTS BAR, INC., an Alabama corporation ("SPORTS BAR"), AIR TRAVEL SERVICES,
INC., a Tennessee corporation ("AIR TRAVEL"), O'CHARLEY'S MANAGEMENT COMPANY,
INC., a Tennessee corporation ("MANAGEMENT COMPANY"), DFI, INC., a Tennessee
corporation ("DFI"), O'CHARLEY'S RESTAURANT PROPERTIES, LLC, a Delaware limited
liability company, ("RESTAURANT PROPERTIES"), O'CHARLEY'S SERVICE COMPANY, INC.,
a Tennessee corporation ("SERVICE COMPANY"), STONEY RIVER LEGENDARY MANAGEMENT,
L.P., a Georgia limited partnership ("STONEY RIVER LEGENDARY"), and STONEY RIVER
MANAGEMENT COMPANY, INC., a Delaware corporation ("STONEY RIVER MANAGEMENT");
individually, OCI, Sports Bar, Air Travel, Management Company, DFI, Restaurant
Properties, Service Company, Stoney River Legendary and Stoney River Management
are sometimes referred to herein as an "ADDITIONAL BORROWER" and when
referencing two or more of such entities, they are sometimes referred to herein
as "ADDITIONAL BORROWERS"); O'CHARLEY'S FINANCE COMPANY, INC., a Tennessee
corporation (a "NEW BORROWER"), the Original Borrower, the Additional Borrowers
and the New Borrower are sometimes referred to herein, individually and
collectively, as a "BORROWER" and the "Borrowers"), each of the undersigned
Banks, BANK OF AMERICA, N.A., a national banking association, successor in
interest by merger to NationsBank, N.A., as a Bank and as Co-Agent, and AMSOUTH
BANK, an Alabama state bank, successor in interest by merger to First American
National Bank ("AGENT") as a Bank and as Agent for the Banks.

                                    RECITALS:

        Pursuant to that certain Amended and Restated Revolving Credit
Agreement, dated as of December 8, 1997 (the "AMENDED AND RESTATED AGREEMENT")
by and among the Banks (other than SunTrust Bank) and Bank One, N.A. ("BANK
ONE") (herein, the "ORIGINAL BANKS") and the Original Borrower, the Original
Banks made certain loans (the "LOANS") in two separate facilities, to the
Original Borrower, in an aggregate amount of up to $100,000,000.00. Pursuant to
an Assumption Agreement and Amendment to Amended and Restated Revolving Credit
Agreement dated December 7, 1998, an Assumption Agreement and Second Amendment
to Amended and Restated Revolving Credit Agreement dated December 8, 1999, a
Third Amendment to Amended and Restated Revolving Credit Agreement dated January
31, 2000 and an Assumption and Fourth Amendment to Amended and Restated
Revolving Credit Agreement dated October 10, 2000, the Amended and Restated
Agreement was amended to restructure the Loans to, among other things, include
the Additional Borrowers as borrowers thereunder, combine the Loans into one
credit facility, and to provide for the departure of Bank One and the addition
of SunTrust, as a Bank (the Amended and Restated Agreement, as so amended, is
hereinafter referred to as the "AGREEMENT"). Capitalized terms not otherwise
defined herein shall have the same meaning as in the Agreement. The Original
Borrower and the Additional Borrowers have requested that the Banks restructure
such loans to add the New Borrower as a Borrower under the credit facility
governed by the Agreement, to extend the Loan Termination Date of the Loan
Facility and to permit the Original Borrower to enter into real estate sale-
leaseback transactions which, among other things, do not exceed $60,000,000 in
proceeds in the aggregate and are consummated between July 9, 2001 and July 9,
2002, and the Banks are willing to do so subject to, among other things, the
execution of this Amendment and the satisfaction of the conditions contained
herein.

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

        1. The New Borrower hereby joins in and assumes each of the obligations,
covenants and conditions set forth in the Agreement, as hereby amended, and
agrees to be bound by all of the

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terms thereof and further assumes and agrees to pay, jointly and severally with
the Original Borrower and the Additional Borrowers, the indebtedness evidenced
by the Notes and other Obligations.

        2. Section 1 of the Agreement entitled "DEFINITIONS" is hereby further
amended by amending the following definitions:

                "Borrowers" or "Borrower" means O'Charley's Inc., OCI, Inc.,
        O'Charley's Sports Bar, Inc., Air Travel Services, Inc., O'Charley's
        Management Company, Inc., DFI, Inc., O'Charley's Restaurant Properties,
        LLC, O'Charley's Service Company, Inc., Stoney River Legendary
        Management, L.P., Stoney River Management Company, Inc., and O'Charley's
        Finance Company, Inc., individually and/or collectively.

                "Loan Termination Date" means the earlier of (i) the occurrence
        of an Event of Default which is not waived by the Agent in accordance
        with the terms of this Agreement, or (ii) October 5, 2006 (or such later
        date as may be agreed to by the Banks pursuant to Section 2.9 of this
        Agreement).

        3. Subsection (R) of Section 4.1 of the Agreement is hereby amended in
its entirety to read as follows:

                (R) O'Charley's Inc. owns 100% of the issued and outstanding
        stock of OCI, Inc., O'Charley's Sports Bar, Inc., Air Travel Services,
        Inc., O'Charley's Management Company, Inc., DFI, Inc., O'Charley's
        Service Company, Inc., Stoney River Management Company, Inc., and
        O'Charley's Finance Company, Inc., and DFI, Inc. owns 100% of the
        outstanding membership interests of O'Charley's Restaurant Properties,
        LLC. O'Charley's Inc. owns 100% of the partnership interest in Stoney
        River Legendary Management, L.P. Except as set forth in the preceding
        sentence, none of the Borrowers owns an interest in any Person.

        4. Subsection (H) of Section 5.2 of the Agreement is hereby amended in
its entirety to read as follows:

                (H) Neither the Borrower nor any Subsidiary will enter into any
        sale-leaseback transaction, except: (i) the transactions described in
        Exhibit P; (ii) the sale and leaseback of real estate not to exceed
        $60,000,000 in sale proceeds in the aggregate for sale-leaseback
        transactions involving real estate that are completely consummated
        between July 9, 2001 and July 9, 2002 and do not generate more than
        $60,000,000 in proceeds in the aggregate, with all such proceeds being
        applied to the outstanding principal balance of the Loans; and (iii)
        such additional sale-leaseback transactions as shall be consented to by
        the Agent (with the consent of the Majority Banks), which consent shall
        not be unreasonably withheld, provided the proceeds of any such
        sale-leaseback transaction are applied to the outstanding principal
        balance of the Loans.

        5. The following described Exhibits to the Agreement will be modified as
of the date of this Amendment by the corresponding Exhibits attached to this
Amendment:

<TABLE>
<CAPTION>
           Exhibits to Agreement to be modified                 Modified Exhibits attached to Amendment
           ------------------------------------                 ---------------------------------------
<S>                                                             <C>
           Exhibit A-2                                          Exhibit A-3
           Exhibit B-2                                          Exhibit B-3
           Exhibit E-2                                          Exhibit E-3
           Exhibit F-2                                          Exhibit F-3
           Exhibit G-1                                          Exhibit G-3
           Exhibit H-1                                          Exhibit H-3
           Exhibit I-2                                          Exhibit I-3
           Exhibit J-2                                          Exhibit J-3
           Exhibit K-1                                          Exhibit K-3
           Exhibit L-2                                          Exhibit L-3
</TABLE>

                                       2
<PAGE>   3

<TABLE>
<CAPTION>
           Exhibits to Agreement to be modified                 Modified Exhibits attached to Amendment
           ------------------------------------                 ---------------------------------------
<S>                                                             <C>
           Exhibit M-2                                          Exhibit M-3
           Exhibit P-1                                          Exhibit P-3
</TABLE>

        6. Conditions. The effectiveness of this Amendment is expressly
contingent upon Borrowers' delivery to Agent of the following amounts and
documents, in form and content acceptable to Agent, in its sole discretion:

                (a) This Amendment executed by the Borrowers;

                (b) Copies of the resolutions of the New Borrower's governing
        boards, certified by the secretaries of the New Borrower as of the date
        of this Amendment, authorizing the execution, delivery and performance
        of this Amendment, the other Loan Documents, and each other document to
        be delivered pursuant hereto;

                (c) Copies of the New Borrower's charter or articles of
        organization, as applicable, all certified as of the most recent date
        practicable by the Secretary of State of its incorporation or formation,
        together with certificates dated the date of this Amendment of the New
        Borrower's secretary to the effect that such charters or articles of
        organization have not been amended since the date of the aforesaid
        Secretary of State certifications;

                (d) Copies of the New Borrower's by-laws or operating agreement,
        as applicable, all certified by the New Borrower's secretary as of the
        date of this Amendment;

                (e) Certificates dated as of the date of this Amendment of the
        New Borrower's secretary as to the incumbency and signatures of the
        officers of the New Borrower executing this Amendment, the other Loan
        Documents, and each other document to be delivered pursuant hereto;

                (f) Certificates, as of the most recent dates practicable, of
        the aforesaid Secretary of State, the Secretary of State of each state
        in which each Borrower is qualified as foreign corporations or entities
        and of the department of revenue or taxation of the foreign states as to
        the good standing of each Borrower;

                (g) Written opinions of Bass, Berry & Sims, PLC, each Borrowers'
        counsel, dated the date of this Amendment and addressed individually to
        Agents and Banks, in form reasonably satisfactory to the Agents and
        Banks.

                (h) Payment of all reasonable costs and expenses incurred by
        Agent in connection with the Amendment, including, without limitation,
        reasonable attorneys' fees.

                (i) Payment to Agent of an amendment fee in the amount of
        $275,000.00, to be paid pro-rata to the Banks.

        7. Ratification. Subject to the terms hereof, each Borrower hereby
restates and ratifies, as of the date hereof, all the representations,
warranties and covenants contained in the Agreement in favor of Agent and Banks,
and confirms that the terms and conditions of the Agreement, as amended hereby,
remain in full force and effect, that no Event of Default under the Agreement
has occurred and continues to exist and that the terms of Article 8 of the
Agreement, as hereby amended, shall continue to govern the Agreement and shall
govern this Amendment.

                                       3
<PAGE>   4

         IN WITNESS WHEREOF, the parties hereby have duly executed this
Agreement as of the day and year first above written.

AGENT:                                    BORROWER:

AMSOUTH BANK                              O'CHARLEY'S INC.

By: /s/ Ken Dobbins                        By: /s/ A. Chad Fitzhugh
   -------------------------------            ----------------------------------

Title: Senior Vice President               Title: Chief Financial Officer
      ----------------------------               -------------------------------

CO-AGENT:                                  OCI, INC.

BANK OF AMERICA, N.A.
                                           By: /s/ A. Chad Fitzhugh
                                              ----------------------------------

By: /s/ William Diehl                      Title: Secretary
   -------------------------------               -------------------------------

Title: Senior Vice President
      ----------------------------

                                           O'CHARLEY'S SPORTS BAR, INC.
BANKS:

                                           By: /s/ A. Chad Fitzhugh
                                              ----------------------------------
AMSOUTH BANK

                                           Title: President
                                                 -------------------------------

By: /s/ Ken Dobbins
   -------------------------------
                                           AIR TRAVEL SERVICES, INC.
Title: Senior Vice President
      ----------------------------

                                           By: /s/ A. Chad Fitzhugh
                                              ----------------------------------

BANK OF AMERICA, N.A.                      Title: Secretary
                                                 -------------------------------

                                           O'CHARLEY'S MANAGEMENT
By: /s/ William Diehl                      COMPANY, INC.
   -------------------------------

Title: Senior Vice President
      ----------------------------
                                           By: /s/ A. Chad Fitzhugh
                                              ----------------------------------

                                           Title: Secretary
                                                 -------------------------------

FIRSTAR BANK, N.A.                         DFI, INC.

By: /s/ Ward Wilson                        By: /s/ A. Chad Fitzhugh
   -------------------------------            ----------------------------------

Title: Senior Vice President               Title: Secretary
      ----------------------------               -------------------------------

                                       4
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FIRST UNION NATIONAL BANK                  O'CHARLEY'S RESTAURANT
                                           PROPERTIES, LLC

By: /s/ Sarah Warren                       By: /s/ A. Chad Fitzhugh
   -------------------------------            ----------------------------------

Title:  Vice President                     Title: Secretary
      ----------------------------               -------------------------------

SUNTRUST BANK                              O'CHARLEY'S SERVICE
                                           COMPANY, INC.

By: /s/ Vipul Patel                        By: /s/ A. Chad Fitzhugh
   -------------------------------            ----------------------------------

Title: Director                            Title: Secretary
      ----------------------------               -------------------------------

                                           STONEY RIVER LEGENDARY
                                           MANAGEMENT, L.P.

                                           By:   Stoney River Management
                                                 Company, Inc., general partner

                                                 By: /s/ A. Chad Fitzhugh
                                                    ----------------------------

                                                 Title: Secretary
                                                       -------------------------

                                           STONEY RIVER MANAGEMENT
                                           COMPANY, INC.

                                           By: /s/ A. Chad Fitzhugh
                                              ----------------------------------

                                           Title: Secretary
                                                 -------------------------------

                                           O'CHARLEY'S FINANCE
                                           COMPANY, INC.

                                           By: /s/ A. Chad Fitzhugh
                                              ----------------------------------

                                           Title: Secretary
                                                 -------------------------------

                                       5

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