Document:

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                                                                  EXHIBIT 10(v)

                              AMENDED AND RESTATED
                     REVOLVING CREDIT AND SECURITY AGREEMENT

                          Dated as of January 21, 2000

                                      among

                           MARLTON TECHNOLOGIES, INC.
                       SPARKS EXHIBITS HOLDING CORPORATION
                  SPARKS EXHIBITS & ENVIRONMENTS CORP.
                      SPARKS EXHIBITS & ENVIRONMENTS, INC.
                      SPARKS EXHIBITS & ENVIRONMENTS, LTD.
                  SPARKS EXHIBITS & ENVIRONMENTS, INCORPORATED
                               SPARKS SCENIC LTD.
                             SPARKS PRODUCTIONS LTD.
                             DMS STORE FIXTURES LLC

                           collectively, the Borrowers

                                       and

                             The Banks named herein

                                       and

                       FIRST UNION NATIONAL BANK, as Agent

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144

                                TABLE OF CONTENTS

                                                                   Page
Article I     DEFINITIONS AND ACCOUNTING TERMS
      Section 1.1   Certain Defined Terms.......................... 1
      Section 1.2   Accounting Terms...............................12
Article II    THE REVOLVING CREDIT FACILITY
      Section 2.1   The Revolving Credit Commitment................13
      Section 2.2   Revolving Credit Advances......................14
      Section 2.3   Lending Offices; Bank Obligations..............16
      Section 2.4   The Revolving Credit Notes.....................16
      Section 2.5   Fees...........................................16
      Section 2.6   Repayment......................................16
      Section 2.7   Interest; Conversions; Continuations...........17
      Section 2.8   Computation of Interest and Fees...............18
      Section 2.9   Payments.......................................18
      Section 2.10  Payment on Non-Business Days...................18
      Section 2.11  Reimbursement to the Banks for Cost Increases
                    Imposed by Law.................................18
      Section 2.12  Reimbursement to the Banks for Increased Costs
                    Due to Capital Adequacy Requirements...........19
      Section 2.13  Illegality.....................................20
      Section 2.14  Interest and Commissions After Event
                    of Default.................................... 20
      Section 2.15  Special Provisions for LIBOR Loans.............20
      Section 2.16  Prepayment; Funding Loss Indemnification.......20
      Section 2.17  Letters of Credit..............................21
      Section 2.18  Taxes..........................................23
      Section 2.19  Additional Borrowers...........................24
Article III   COLLATERAL
      Section 3.1   Security.......................................24
      Section 3.2   Financing Statements; Certificates of Title....26
      Section 3.3   Landlord's Waiver..............................26
      Section 3.4   Places of Business; Location of Collateral.....26
      Section 3.5   Agent's Rights With Respect to Accounts,
                    Chattel Paper, Instruments and General
                    Intangibles....................................26
      Section 3.6   Accounts.......................................27
      Section 3.7   Equipment and Inventory........................27
      Section 3.8   Condition of Inventory.........................27
      Section 3.9   Expenses of the Agent..........................27
      Section 3.10  Notices........................................28
      Section 3.11  Insurance; Discharge of Taxes, etc.............28
      Section 3.12  Waiver and Release by Borrower.................28
      Section 3.13  Access to Inventory............................28
      Section 3.14  Records and Reports............................28
      Section 3.15  Further Assurances.............................29
      Section 3.16  Application of Proceeds of Collateral..........29
      Section 3.17  Continuing Collateral..........................29
Article IV    CONDITIONS OF LENDING
      Section 4.1   Conditions Precedent to the Loans..............29
      Section 4.2   Conditions Precedent to All Revolving Credit
                    Advances.......................................31
Article V     REPRESENTATIONS AND WARRANTIES
      Section 5.1   Existence......................................31
      Section 5.2   Authorization..................................32
      Section 5.3   Validity.......................................32
      Section 5.4   Financial Information..........................32

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      Section 5.5   Litigation.....................................32
      Section 5.6   Contingent Liabilities.........................32
      Section 5.7   Taxes..........................................32
      Section 5.8   Encumbrances...................................33
      Section 5.9   Consents.......................................33
      Section 5.10  ERISA..........................................33
      Section 5.11  Ownership......................................33
      Section 5.12  Subsidiaries and Ownership of Stock............34
      Section 5.13  Margin Stock; Regulation U, Etc................34
      Section 5.14  Environmental Matters..........................34
      Section 5.15  Debt and Guarantees............................34
      Section 5.16  Credit Arrangements............................34
      Section 5.17  Licenses, Permits, Etc.........................35
      Section 5.18  Compliance with Laws...........................35
      Section 5.19  Labor Matters..................................35
      Section 5.20  Outstanding Judgments or Orders................35
      Section 5.21  No Defaults on Other Agreements................35
      Section 5.22  Public Utility Holding Company Act.............35
      Section 5.23  Patents........................................35
      Section 5.24  Year 2000 Compliance...........................36
      Section 5.25  Full Disclosure................................36
Article VI    COVENANTS OF THE BORROWERS
      Section 6.1   Financial Statements...........................36
      Section 6.2   Insurance......................................37
      Section 6.3   Taxes..........................................37
      Section 6.4   Encumbrances...................................37
      Section 6.5   Compliance with Laws...........................38
      Section 6.6   Inspection by the Agent........................38
      Section 6.7   Reports........................................39
      Section 6.8   ERISA..........................................39
      Section 6.9   Environmental Matters..........................41
      Section 6.10  Change of Business.............................42
      Section 6.11  Regulation U...................................42
      Section 6.12  Disposal of Assets.............................42
      Section 6.13  Loans, Investments, and Contingent Liabilities.42
      Section 6.14  Maintenance of Property........................42
      Section 6.15  Transactions with Affiliates and Subsidiaries..42
      Section 6.16  Restriction on Acquisitions; Merger; Corporate
                    Structure......................................42
      Section 6.17  Dividends and Distributions....................44
      Section 6.18  Other Indebtedness.............................44
      Section 6.19  Licenses, Permits..............................44
      Section 6.20  Fiscal Year....................................44
      Section 6.21  Banking Relationships..........................44
      Section 6.22  Ownership of Borrowers Other than MTI..........44
      Section 6.23  RICO...........................................44
      Section 6.24  Minimum Net Worth..............................45
      Section 6.25  Senior Funded Debt to EBITDA Ratio.............45
      Section 6.26  Funded Debt to EBITDA Ratio....................45
      Section 6.27  Fixed Charge Coverage Ratio....................45
Article VII   DEFAULT
      Section 7.1   Events of Default..............................45
      Section 7.2   Termination of Revolving Commitment;
                    Acceleration...................................47
      Section 7.3   Remedies.......................................48

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Article VIII  AGENCY PROVISIONS
      Section 8.1   Authorization and Action.......................48
      Section 8.2   Liability of Agent.............................49
      Section 8.3   Rights of Agent as a Bank......................49
      Section 8.4   Independent Credit Decisions...................49
      Section 8.5   Indemnification................................50
      Section 8.6   Successor Agent................................50
      Section 8.7   Sharing of Payments, Etc.......................50

Article IX    MISCELLANEOUS
      Section 9.1   No Waiver; Cumulative Remedies.................51
      Section 9.2   Arbitration....................................51
      Section 9.3   Warrant of Attorney............................52
      Section 9.4   Set-Off........................................53
      Section 9.5   Amendments, Etc................................53
      Section 9.6   Notices........................................53
      Section 9.7   Nature of Obligations..........................54
      Section 9.8   Costs and Expenses.............................54
      Section 9.9   Counterparts...................................54
      Section 9.10  Binding Effect.................................55
      Section 9.11  Governing Law..................................55
      Section 9.12  Headings.......................................55
      Section 9.13  Usury..........................................55
      Section 9.14  Assignments; Participations....................55
      Section 9.15  Appointment of Borrower Agent..................56
      Section 9.16  Survival; Indemnification......................56
      Section 9.17  Entire Agreement...............................57

Schedules:
---------

      2.1        Revolving Credit Commitments
      3.4        Collateral Locations
      5.12       Subsidiaries and Stock Ownership
      5.15       Existing Debt

Exhibits:
--------

      2.4        Revolving Credit Note
      6.1        Compliance Certificate

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     AMENDED AND RESTATED REVOLVING CREDIT AND SECURITY AGREEMENT, dated as of
January 21, 2000, among MARLTON TECHNOLOGIES, INC., a New Jersey corporation
("MTI"), SPARKS EXHIBITS & ENVIRONMENTS CORP. f/k/a Sparks Exhibits Corp., a
Pennsylvania corporation ("SPARKS"), SPARKS EXHIBITS & ENVIRONMENTS, INC. f/k/a
Sparks Exhibits, Inc., a Georgia corporation ("EXHIBITS"), SPARKS EXHIBITS
HOLDING CORPORATION, a Delaware corporation ("SEH"), SPARKS EXHIBITS &
ENVIRONMENTS, LTD. f/k/a Sparks Exhibits, Ltd., a California corporation
("LIMITED"), SPARKS PRODUCTIONS LTD., a California corporation, SPARKS EXHIBITS
& ENVIRONMENTS, INCORPORATED f/k/a Piper Productions, Inc., a Florida
corporation ("PIPER"), DMS STORE FIXTURES LLC, a Pennsylvania limited liability
company ("DMS"), SPARKS SCENIC, LTD., a California corporation ("SCENIC") and
any other Person (as herein defined) that hereafter becomes a Borrower hereunder
pursuant to Section 2.19 (MTI, SEH, Sparks, Exhibits, Limited, Incorporated,
Piper, DMS and Scenic, and each such other Person that becomes a Borrower
hereunder pursuant to Section 2.19 are each hereinafter referred to as a
"Borrower" and collectively as the "Borrowers"); MARLTON TECHNOLOGIES, INC., as
agent for the Borrowers (in such capacity, the "Borrower Agent"); and FIRST
UNION NATIONAL BANK, a national banking association and any bank joining this
Agreement hereafter (said banks being hereinafter referred to collectively as
"Banks" and individually as a "Bank"); and FIRST UNION NATIONAL BANK, in its
capacity as agent for the Banks (the "Agent").

                                   BACKGROUND

     On December 31, 1997, certain of the Borrowers and First Union National
Bank entered into a Loan and Security Agreement pursuant to which agreement
First Union National Bank agreed to make loans to such Borrowers (such
Agreement, as amended the "Prior Agreement"). The Borrowers and First Union
National Bank wish to continue and expand this prior relationship by providing
for additional Banks. Also, the Borrowers have requested that the Banks provide
to the Borrowers a $35,000,000.00 revolving credit facility and the Banks have
agreed to provide a $30,000,000 facility to the Borrowers which may be increased
to $35,000,000, on the terms and conditions herein contained (the "Facility").
The Facility is to be used to refinance existing debt under the Prior Agreement,
finance working capital, capital expenditures and acquisitions permitted
hereunder and for other general corporate purposes.

     NOW THEREFORE, the Borrowers, jointly and severally, and the Banks, and the
Agent, intending to be legally bound, agree to amend and restate the Prior
Agreement to read in full as follows:

                                   Article I
                        DEFINITIONS AND ACCOUNTING TERMS

SECTION 1.1 CERTAIN DEFINED TERMS. As used in this Agreement, the following
     terms shall have the following meanings (such meanings to be equally
     applicable to both the singular and plural forms of the terms defined):

     "AAA" has the meaning given to such term in Section 9.2(A) hereof.

     "Acquisition" has the meaning given to such term in Section 6.16 hereof.

     "Adjusted Base Rate" means the Base Rate plus the Applicable Margin for
Base Rate Loans. The Adjusted Base Rate shall change simultaneously with each
change in the Base Rate or the Federal Funds Rate.

     "Adjusted LIBOR" means the LIBOR plus the Applicable Margin.

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     "Affiliate" of a Borrower means any Person directly or indirectly
controlling or controlled by or under direct or indirect common control with
such Borrower. For the purposes of this definition, "control" when used with
respect to any Person means the power to direct the management and policies of
such Person, directly or indirectly, whether through the ownership of voting
securities, by contract or otherwise; and the terms "controlling" and
"controlled" have the meanings correlative to the foregoing.

     "Agent" has the meaning given to such term in the introductory paragraph
hereof, and shall include any successor in such capacity.

     "Agreement" means this Amended and Restated Revolving Credit and Security
Agreement, as such document may be modified, amended, refinanced, refunded,
extended or otherwise changed from time to time.

     "Applicable Margin" means, in accordance with the table and text below:

                                              Applicable Margin:

If the ratio of Senior Funded             LIBOR Loans and           Base
     Debt to EBITDA is:               Letter of Credit Fees:     Rate Loans
 --------------------------          -----------------------     ----------

 3.75:1 or lower, but higher than             2.50%                  0.50%
 3.50:1 (it being acknowledged
 that the maximum permitted ratio
 of Senior Funded Debt to EBITDA
 may never exceed the amount
 permitted under Section 6.25)

 3.50:1 or lower, but higher than 2.50:1      2.00%                 0.00%

 2.50:1 or lower, but higher than 2.00:1      1.75%                -0.25%

 less than or equal to 2.00:1                 1.25%                -0.25%

The calculation of the Applicable Margin pursuant to the above tables shall be
made quarterly, based upon the Interim Financial Statements or Financial
Statements, as applicable, of MTI and its Subsidiaries as at the last day of
each such fiscal quarter and for the fiscal period then ended. In the event that
the Applicable Margin changes, such change shall become effective for Eurodollar
Loans then existing or thereafter made, as of the first day of the fiscal
quarter immediately following the date on which such financial statements are
delivered to the Agent. In the event that such financial statements are not
delivered to the Agent on or before the date required under this Agreement, the
Applicable Margin shall be calculated as if the Funded Debt to EBITDA is greater
than 3.50:1, effective upon the last day of the fiscal quarter to which such
financial statements relate, and until such financial statements are delivered
showing that the Borrowers are entitled to a lower rate hereunder.

     "Arbitration Rules" has the meaning given to such term in Section 9.2(A)
hereof.

     "Bank" or "Banks" has the meaning given to such term in the introductory
paragraph hereof and shall include all successors and assigns, and lenders
joining this Agreement as a "Bank".

     "Base Rate" means the rate which is at all times equal to the higher of (a)
the Prime Rate or (b) 1/2 of 1% per annum in excess of the Federal Funds Rate.

     "Base Rate Loan" means a Loan to which the Adjusted Base Rate applies.

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      "Borrower," "Borrower Agent" and "Borrowers" have the meanings given to
such terms in the introductory paragraph hereof, and each shall include
successors and permitted assigns.

      "Business Day" means any day other than a Saturday, Sunday, or other day
on which commercial banks in Philadelphia, Pennsylvania are authorized or
required to close under the laws of the Commonwealth of Pennsylvania; provided
that, if such term is used in connection with a borrowing of, a payment or
prepayment of principal of or interest on, or the Interest Period for, any
Eurodollar Loan or a notice by a Borrower with respect to any such borrowing,
payment, prepayment or Interest Period, "Business Day" shall include any day on
which ordinary dealings are carried out in the London interbank market in
Dollars.

      "Capital Expenditures" means expenditures for fixed assets or
improvements, replacements, substitutions, or additions thereto which have a
useful life of more than one year, including assets acquired pursuant to a
Capital Lease; provided that for the purposes of this Agreement, expenditures
for exhibit product inventory purchased and capitalized for rental purposes
shall not be considered Capital Expenditures.

      "Capital Lease" means a lease of any Person for real, personal or mixed
use property which, according to GAAP should be capitalized on the books of such
Person.

      "Capitalization" means the Net Worth of the Borrowers on a Consolidated
basis less (i) the value of the Borrowers' Intangibles and (ii) loans and
advances to and guaranties of the indebtedness of shareholders plus (iii)
Subordinated Debt.

      "Cash Equivalents" means (A) marketable direct obligations issued or
unconditionally guaranteed by the United States Government or issued by any
agency thereof and backed by the full faith and credit of the United States
maturing within one year from the date of acquisition thereof, (B) marketable
direct obligations issued by any state of the United States of America or any
political subdivision of any such state or any public instrumentality thereof
maturing within one year from the date of acquisition thereof and, at the time
of acquisition, having the highest rating obtainable from either Standard &
Poor's Ratings Group or Moody's Investors Service, Inc., (C) commercial paper
maturing no more than one year from the date of creation thereof and, at the
time of acquisition, having the highest rating obtainable from either Standard &
Poor's Corporation or Moody's Investors Service, Inc., (D) certificates of
deposit, demand accounts or bankers' acceptances maturing within one year from
the date of acquisition thereof issued by the Bank or commercial banks organized
under the laws of the United States of America or any state thereof, each having
combined capital and surplus of not less than $500,000,000.00, and (E)
repurchase agreements and reverse repurchase agreements with securities dealers
of recognized national standing relating to any of the obligations referred to
in the foregoing clause (A); provided that the terms of such agreement comply
with the guidelines set forth in the Supervisory Policy; and further provided
that possession or control of the underlying securities is established as
provided in the Supervisory Policy.

     "CERCLA" means the federal Comprehensive Environmental Response,
Compensation, and Liability Act, as amended from time to time.

     "Change in Control" means the occurrence of any of the following events:

          (i) Any "person" (as such term is used in Sections 13(d) and 14(d) of
     the Securities Exchange Act of 1934, as amended "Exchange Act") other than
     an "affiliate" (as such term is used in the Exchange Act) of MTI becomes
     the "beneficial owner" (as defined in Rules 13d-3 and 13d-5 under the
     Exchange Act, except that such person shall be deemed to have "beneficial
     ownership" of all shares that any such person has the right to acquire,
     whether such right is exercisable immediately or only after the passage of
     time), directly or indirectly, of more than 40% of the total voting power
     of MTI; or

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          (ii) At any time after the date hereof, individuals who at the date
     hereof constitute the Board of Directors (together with any new directors
     whose election by such Board of Directors or whose nomination for election
     by the shareholders of MTI was approved by a vote of 66-2/3% of the
     directors of MTI then still in office who were either directors at the date
     hereof or whose election or nomination for election was previously so
     approved) cease for any reason to constitute a majority of the Board of
     Directors then in office.

     "Closing Date" means the first date on which all of the conditions
precedent contained in Section 4.1 are satisfied.

     "Code" means the Internal Revenue Code of 1986, as amended from time to
time.

     "Collateral" has the meaning given to such term in Section 3.1 hereof.

     "Commitment Fee" has the meaning given to such term in Section 2.5.

     "Consideration" means "cost basis" as defined in Section 1012 of the Code.

     "Consolidated" refers to the consolidation of the accounts of MTI and its
Subsidiaries in accordance with GAAP, including principles of consolidation.

     "Consolidating" refers to the separation of the accounts of MTI and its
Subsidiaries in accordance with GAAP.

     "Controlled Group" means a group of employers, of which any Borrower is a
member and is treated as a single employer under:

          (A) ss.414(b) of the Code and the Department of the Treasury
     regulations thereunder); or

          (B) solely for purposes of liability under ss.412(c)(11) of the Code
     and ss.302(c)(11) of ERISA and the lien under ss.412(n) of the Code and
     ss.302(f) of ERISA, ss.414(c) of the Code and the Department of the
     Treasury regulations thereunder; or

          (C) solely for purposes of liability under ss.412(c)(11) of the Code
     and ss.302(c)(11) of ERISA and the lien under ss.412(n) of the Code and
     ss.302(f) of ERISA, ss.414(m) of the Code and the Department of the
     Treasury regulations thereunder; or

          (D) any other entity required to be aggregated with any Borrower
     pursuant to ss.414(o) of the Code and the Department of the Treasury
     regulations thereunder.

     "Current Assets" means all assets of MTI and its Subsidiaries as of any
date that would, in accordance with GAAP, be classified as current assets
thereof on a Consolidated basis.

     "Current Liabilities" means all liabilities of MTI and its Subsidiaries as
of any date that would, in accordance with GAAP, be classified as current
liabilities thereof on a Consolidated basis.

     "Current Maturities" means on any date those portions of Funded Debt that
are payable on demand or within one year of such date without giving effect to
any prospective renewal or extension of such Funded Debt.

     "Current Ratio" means as of any date the ratio of Current Assets to Current
Liabilities.

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     "Default Rate" means the Interest Rate set forth in Section 2.14.

     "Defined Benefit Pension Plan" means a defined benefit plan (other than a
Multiemployer Plan) as defined in ss.3(35) of ERISA, subject to Title IV of
ERISA.

     "Defined Contribution Plan" means an individual account plan as defined in
ss.3(34) of ERISA.

     "Dispute" has the meaning given to such term in Section 9.2(A) hereof.

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

     "EBITDA" means for any period of four fiscal quarters of MTI, Net Income of
MTI and its Subsidiaries on a Consolidated basis for such period plus interest,
taxes, depreciation and amortization deducted in computing Net Income, minus the
non-cash earnings related to income from Affiliates or other Persons in which
MTI and/or its Subsidiaries have an Investment.

     "Effective Date" means, for Eurodollar Loans, the date the Borrower Agent
designates as the date on which a Eurodollar Interest Period is to commence
pursuant to Section 2.2, 2.7(C) or 2.7(D).

     "Employee Benefit Plan" has the meaning given to such term in ss.3(3) of
ERISA.

     "Environmental Law" means any federal, state, or local statute, law,
ordinance, regulation, rule, standard, permit or requirement, including but not
limited to those statutes, ordinances, laws, regulations, rules, standards,
permits and requirements promulgated under the laws of the United States of
America or any other nation, concerning or relating to the protection of the
environment.

     "ERISA" means the Employee Retirement Income Security Act of 1974, as
amended from time to time, and the regulations thereunder.

     "Eurocurrency Reserve Requirement" means, for any day as applied to a
Eurodollar Loan, the aggregate of the rates (such aggregate being expressed as a
decimal) of reserve requirements in effect on such day (including, without
limitation, any basic, marginal, supplemental and emergency reserves under any
regulations of the Board of Governors of the Federal Reserve System or other
governmental authority having jurisdiction with respect thereto, as now and from
time to time hereafter in effect) for eurocurrency funding (currently referred
to as "Eurocurrency liabilities" in Regulation D of such Board) maintained by a
member bank of the Federal Reserve System having deposits in an aggregate amount
at least equal to the aggregate amount of deposits held by Agent, but without
benefit of or credit for proration, exemptions, or offsets that might otherwise
be available to such member bank from time to time under Regulation D. Without
limiting the effect of the foregoing, the Eurocurrency Reserve Requirement shall
reflect any other reserves required to be maintained by such member bank against
(A) any category of liabilities which includes deposits by reference to which
the LIBOR for Eurodollar Loans is to be determined or (B) any category of
extension of credit or other assets that include Eurodollar Loans.

     "Eurodollar Interest Period" means for each Eurodollar Loan a period of
time, beginning on an Effective Date, and ending on the numerically
corresponding day in the first, second, third, or sixth calendar month
thereafter (or if there is no numerically corresponding calendar day in such
calendar month, ending on the last day of such calendar month), selected by the
Borrower Agent by telephone or in writing (and if by telephone, confirmed by the
Borrower Agent promptly thereafter in writing), during which the Interest Rate
is the Adjusted LIBOR. If a Eurodollar Interest Period would otherwise end on a
day that is not a Business Day, such Eurodollar Interest Period shall be
extended to the next Business

                                       5

<PAGE>

Day, unless such Business Day would fall in the next calendar month, in which
event such Eurodollar Interest Period shall end on the immediately preceding
Business Day.

     "Eurodollar Loan" means any Loan denominated in Dollars when and to the
extent to which the Adjusted LIBOR applies.

     "Event of Default" has the meaning given to such term in Section 7.1.

     "Exhibits" has the meaning given to such term in the introductory paragraph
hereof.

     "Facility" has the meaning given to such term in the Background Section.

     "Federal Funds Rate" means the rates shown as the Federal Funds Rate in the
Federal Reserve Statistical Release H.15 (519), Selected Interest Rates. In the
event that the Federal Reserve fails to publish such rate, "Federal Funds Rate"
shall mean the rate determined by the Bank in good faith.

     "Fees" means all payments except for interest and principal which the
Borrowers are required to make to the Agent and/or the Banks hereunder and shall
include, without limitation, amounts owing in connection with any prepayment
under any Eurodollar Loan and the Commitment Fee.

     "Financial Statements" means the audited Consolidated balance sheet,
statement of income, statement of cash flow and statement of changes in
stockholders' equity, together with all notes pertaining thereto, and an
unaudited Consolidating balance sheet and statements of income of MTI and its
Subsidiaries, all as at and for a designated period and all in accordance with
GAAP.

     "Fixed Charges" means for any period the sum of (A) Total Debt Service,
plus (B) taxes paid in cash by the Borrowers during the relevant period, plus
(C) expenses paid by the Borrowers during such period for the rental of personal
or real property, plus (D) non-financed Capital Expenditures made by the
Borrowers during such period.

     "Funded Debt" means at any time with respect to MTI and its Subsidiaries on
a Consolidated basis, without duplication, the sum of all current outstandings
under demand and overdraft facilities, plus the current portion of long term
Indebtedness and capital leases plus all Indebtedness that has a final maturity
more than one year after the date of issuance thereof (or which is convertible,
renewable or extendable into an obligation with such final maturity) including
all final and serial maturities, prepayments and sinking fund payments required
to be made within one year of the date of calculation (notwithstanding the fact
that any portion thereof may also be included in current liabilities under
GAAP).

     "GAAP" means generally accepted accounting principles in the United States
in effect from time to time as promulgated in statements, opinions and
pronouncements by the American Institute of Certified Public Accountants, the
Financial Accounting Standards Board and any successor entities, consistently
applied.

     "Governmental Approvals" means all authorizations, consents, approvals,
licenses and exemptions of, registrations and filings with, and reports to all
governmental bodies.

     "Indebtedness" means, with respect to any Person:

          (a) (i) all indebtedness, obligation or liability for borrowed money
     or for the deferred purchase price of property, (ii) all lease obligations
     that would, in accordance with GAAP, have been or should be capitalized,
     including without limitation, sale-leaseback and synthetic lease
     obligations, (iii) all obligations of such Person to purchase goods,
     property or services where payment for such goods,

                                       6

<PAGE>

     property or services is required regardless of whether delivery of such
     goods, property, or the performance of such services is ever made or
     tendered; (iv) all obligations for the deferred purchase price of property
     or services (including trade obligations other than those incurred in the
     ordinary course of business and in accordance with customary terms); (v)
     all current liabilities in respect of unfunded vested benefits under any
     Plan; (vi) all obligations under letters of credit issued for the account
     of any Person; (vii) all obligations arising under acceptance facilities;
     and (viii) the notional amount of interest rate products and derivatives;
     and

          (b) to the extent not included in the foregoing, all indebtedness,
     obligations and liabilities secured by any mortgage, pledge, lien,
     conditional sale or other title retention agreement or other security
     interest to which any property or asset owned or held by such Person is
     subject, whether or not the Indebtedness, obligations or liabilities
     secured thereby shall have been assumed by such Person;

          (c) to the extent not included in the foregoing, all indebtedness,
     obligations and liabilities of others which such Person has directly or
     indirectly guaranteed, endorsed (other than for collection or deposit in
     the ordinary course of business), discounted, sold with recourse or for
     less than face value or agreed (contingently or otherwise) to purchase or
     repurchase or otherwise acquire or in respect of which such Person has
     agreed to supply or advance funds or otherwise to become directly or
     indirectly liable; and

          (d) all obligations or liabilities of such Person under or pursuant to
     a letter of credit, interest rate protection agreement, surety bond, or
     similar obligation.

     "Intangibles" means any assets which are properly classified as intangible
assets in accordance with GAAP and including, but not limited to: goodwill,
patents, tradenames, trademarks, copyrights, franchises, experimental expense,
organization expense, unamortized debt discount and expenses, the excess of
shares acquired over book value of assets, and non-compete agreements.

     "Interest Period" means a Eurodollar Interest Period or any period during
which the Interest Rate is the Adjusted Base Rate, as appropriate.

     "Interest Rate" means the Adjusted LIBOR, Adjusted Base Rate or Default
Rate, as appropriate.

     "Interim Financial Statements" means an unaudited Consolidated balance
sheet, statement of income and statement of cash flows of MTI and its
Subsidiaries all as, at and for a designated period, all in accordance with GAAP
subject only to usual year-end adjustments and the absence of footnotes.

     "Investment" means any loan or advance, or purchase or acquisition of the
securities or obligations of, any Person or the assumption of any liability of
another Person which in such case, did not arise from sales to such Person in
the ordinary course of business.

     "Landlord Waiver" has the meaning given to such term in Section 3.3 hereof.

     "Lending Office" means, with respect to any Bank, for each type of Loan,
the Lending Office of such Bank (or of an affiliate of such Bank) designated for
such type of Loan on the signature pages hereof or such other office of such
Bank (or of an affiliate of such Bank) as the Bank may from time to time specify
to the Borrowers and the Agent as the office at which its Loans of such type are
to be made and maintained.

     "Letter of Credit" has the meaning given to such term in Section 2.17
hereof.

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     "Letter of Credit Liability" means, without duplication, at any time and in
respect of any Letter of Credit then outstanding the sum of (a) the undrawn face
amount of such Letter of Credit plus (b) the aggregate unpaid principal amount
of all Reimbursement Obligations at such time due and payable in respect of all
drawings made under such Letter of Credit.

     "Liabilities" has the meaning given to such term in Section 3.1 hereof.

     "LIBOR Loan" means a Eurodollar Loan.

     "LIBOR" means, with respect to each Interest Period pertaining to a LIBOR
Loan, the rate per annum (rounded upward, if necessary, to the nearest 1/16 of
1%) equal to the quotient of (A) the London Interbank Offered Rate for such
Eurodollar Loan for the applicable Eurodollar Interest Period for delivery on
the first day of such Interest Period divided by (B) a number equal to 1.00
minus the Eurocurrency Reserve Requirement on the day which is two Business Days
prior to the beginning of such Interest Period.

     "Loan Document(s)" means this Agreement, the Notes, the Letters of Credit,
a Subrogation and Contribution Agreement executed by each Borrower, and all
certificates, agreements, instruments, schedules and exhibits delivered or to be
delivered by the Borrowers to the Agent or the Banks in connection with this
Agreement, in each case, as amended, refinanced, extended, modified or
supplemented from time to time.

     "Loans" means amounts advanced under the Facility, and shall have the same
meaning as Revolving Credit Advances.

     "London Interbank Offered Rate" applicable to any elected Eurodollar
Interest Period for a Eurodollar Loan means the rate per annum (rounded upwards,
if necessary, to the nearest 1/16th of 1%) quoted at approximately 11:00 a.m.
London time, by the principal London branch of the Bank two London Business Days
prior to the first day of such Eurodollar Interest Period for the offering to
leading banks in the London interbank market of Dollar deposits in immediately
available funds for a period, and in an amount, comparable to the Eurodollar
Interest Period and principal amount of the Eurodollar Loan which shall be
outstanding during such Eurodollar Interest Period.

     "Majority Banks" means at any time the Banks holding at least 51% of the
then aggregate unpaid principal amount of the Notes held by the Banks, or, if no
such principal amount is then outstanding, Banks having at least 51% of the
aggregate Commitments. Notwithstanding the foregoing, if there are two or fewer
Banks, the term "Majority Banks" shall mean all Banks.

     "Margin Stock" has the same meaning that Regulation U of the Board of
Governors of the Federal Reserve System gives to that term.

     "Material Adverse Effect" means any material adverse effect on:

          (a) the business, condition (financial or otherwise), operations,
     properties or prospects of MTI and its Subsidiaries, taken as a whole, or

          (b) the ability of the Borrowers, taken as a whole, to perform their
     obligations under the Loan Documents.

     "Maturity Date" means, unless the Loans are earlier accelerated pursuant to
Section 7.2, the date which is the fifth (5th) anniversary of the Closing Date.

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     "Measurement Date" has the meaning given to such term in Section 6.25
hereof.

     "MTI" has the meaning given to such term in the introductory paragraph
hereof.

     "Multiemployer Plan" has the meaning given to such term in ss.4001(a)(3) of
ERISA.

     "Net Income" means gross revenues and other proper income credits, less all
proper income charges, including taxes on income, all determined in accordance
with GAAP.

     "Net Worth" means as of any date the amount by which Total Assets exceed
Total Liabilities.

     "New Borrower" has the meaning given to such term in Section 2.19 hereof.

     "Note(s)" means the Revolving Credit Note(s).

     "Obligations" means all amounts payable to the Agent or the Banks under
this Agreement or the Notes, whether now or hereafter owing, including but not
limited to principal amounts, interest, fees, charges, indemnification
obligations, Reimbursement Obligations as to Letters of Credit, and all
obligations to reimburse Agent or any Bank for payments made by the Agent or any
Bank pursuant to interest rate protection agreements, or foreign exchange
contracts issued by any Bank for the benefit of a Borrower or Borrowers, and
including any guaranty or surety obligations of Borrowers owed to any Bank and
the undertakings of Borrowers to immediately pay to any Bank the amount of any
overdraft on any account of deposit maintained with any Bank.

     "PBGC" means the Pension Benefit Guaranty Corporation or any entity
succeeding to any or all of its functions under ERISA.

     "Permitted Acquisition" has the meaning given to such term in Section 6.16
hereof.

     "Permitted Seller Debt" means Subordinated Debt that is incurred in a
Permitted Acquisition and is otherwise on terms reasonably acceptable to the
Agent and the Banks.

     "Person" means any individual, corporation, partnership, joint venture,
limited liability company, joint-stock company, trust, unincorporated
organization or government or any agency or political subdivision thereof.

     "Plan" means (A) a Defined Benefit Pension Plan or Defined Contribution
Plan maintained for employees of a Borrower or any member of any Borrower's
Controlled Group, or (B) any other Employee Benefit Plan (other than a
Multiemployer Plan) maintained for employees of a Borrower or any member of any
Borrower's Controlled Group.

     "Prime Rate" means the rate of interest for loans established and publicly
announced by the Agent at its Head Office from time to time as its prime rate;
the use of such terms shall not imply that such rate is the lowest or best rate
offered by the Agent or any of the Banks.

     "Principal Payment Dates" means April 1, July 1, October 1 and January 1 in
any year.

     "Prohibited Transaction" has the meaning given to such term in ss.406 of
ERISA, ss.4975(c) of the Code and any Treasury regulations issued thereunder.

                                       9

<PAGE>

     "Properties" means any real estate owned or occupied by any Borrower or any
of its Subsidiaries or at which any Borrower or any of its Subsidiaries conducts
business operations, but excluding customer sites where the Borrowers' only
operation is the installation of exhibits.

     "Regulation D" means Regulation D of the Board of Governors of the Federal
Reserve System as amended or supplemented from time to time.

     "Reimbursement Obligations" shall mean, at any time, the obligations of the
Borrowers then outstanding, or that may thereafter arise in respect of all
Letters of Credit then outstanding, to reimburse amounts paid by the Agent in
respect of any drawings under a Letter of Credit.

     "Reportable Event" has the meaning given to such term in ss.4043(b) of
ERISA.

     "Revolving Credit Advances" means amounts advanced by the Agent and/or the
Banks under the revolving credit facility provided for in this Agreement and
shall have the same meaning as "Loans".

     "Revolving Credit Commitment" means $30,000,000 initially, and after the
addition of another Bank or Banks under Section 2.1(B), $35,000,000 as such
amount may be reduced pursuant to Section 2.1(D) hereof.

     "Revolving Credit Notes" has the meaning given to such term in Section 2.4
hereof.

     "RICO" means the Racketeer Influenced and Corrupt Organization Act, as
amended by the Comprehensive Act of 1984, 18 U.S.C. ss.ss.1961-68, as amended or
supplemented from time to time.

     "Senior Funded Debt" shall mean all Consolidated Funded Debt, other than
(i) Subordinated Debt and (ii) Funded Debt referred to in Section 6.16(B)(iii).

     "Subordinated Debt" means any Indebtedness of the Borrowers that is
subordinated to the Obligations in accordance with a subordination agreement
acceptable to the Majority Banks in their reasonable discretion.

     "Subsidiary" of any Person means any corporation or other entity, more than
50% of the voting capital stock, partnership or other ownership interests of
which is owned, directly or indirectly, by such Person and/or one or more of
such Person's other subsidiaries.

     "Supervisory Policy" means the Federal Financial Institutions Examination
Council Supervisory Policy-Repurchase Agreements of Depository Institutions with
Security Dealers and Others as adopted by the Comptroller of the Currency on
October 31, 1985, as amended or supplemented from time to time.

     "Total Assets" means as of any date all assets of MTI and its Subsidiaries
that would, in accordance with GAAP, be classified as assets thereof on a
Consolidated basis.

     "Total Debt Service" for any period means Current Maturities as of the last
day of such period, plus interest expenses in respect of Indebtedness of
Borrowers on a Consolidated basis during such period.

     "Total Liabilities" means as of any date all liabilities of MTI and its
Subsidiaries on a Consolidated basis that would, in accordance with GAAP, be
classified as liabilities thereof on a Consolidated basis.

     "Total Outstanding Revolving Credit" has the meaning given to such term in
Section 2.1.

                                       10

<PAGE>

     "Unmatured Event of Default" means and refers to any event, act or
occurrence which, with the passing of time or the giving of notice or both,
would constitute an Event of Default.

     "Withdrawal Liability" has the meaning given to such term in ss.4201 of
ERISA.

SECTION 1.2 ACCOUNTING TERMS. All accounting terms not specifically defined
     herein, or defined herein and not specifically provided as being construed
     in accordance with GAAP, shall be construed, and all financial data
     submitted pursuant to this Agreement shall be prepared, in accordance with
     GAAP.

                                   Article II
                          THE REVOLVING CREDIT FACILITY

SECTION 2.1 THE REVOLVING CREDIT COMMITMENT.

     (A)  Subject to the terms and conditions set forth in this Agreement, each
          Bank severally, but not jointly, agrees to make loans to any Borrower
          (as directed by the Borrower Agent), from time to time up to the
          amount set forth opposite such Bank's name on Schedule 2.1, attached
          hereto, as amended from time to time, during the period from the date
          hereof until the Maturity Date, such sums as the Borrower Agent may
          request (each such advance shall be a "Revolving Credit Advance" or a
          "Loan"), provided that the sum of (a) the total outstanding principal
          of Revolving Credit Advances plus (b) all Letter of Credit Liabilities
          (such sum is hereinafter referred to as the "Total Outstanding
          Revolving Credit") shall not at any time exceed the Revolving Credit
          Commitment. The Borrowers shall use Loans to refinance existing
          Obligations under the Prior Agreement and for general corporate
          purposes including Permitted Acquisitions and transactions expressly
          permitted hereunder and for no other purposes.

     (B)  The parties contemplate that an additional Bank shall join this
          Agreement in order to increase the Revolving Credit Commitment to
          $35,000,000 (Thirty-Five Million Dollars). Such Bank shall be subject
          to the prior written approval of the Agent and the Borrower Agent,
          which shall not be unreasonably withheld. To the extent that
          additional or different Banks become lenders hereunder, whether under
          the foregoing sentence or otherwise, each such Bank shall deliver to
          the Agent a joinder to the Agreement indicating the amount of its
          Revolving Credit Commitment, and the Agent shall issue to all parties
          hereto an amended Schedule 2.1 reflecting such joinders. In addition,
          Borrowers shall issue to each such additional Bank, a Note in the
          principal amount of such Bank's Revolving Credit Commitment and such
          Bank shall automatically become a "Bank" hereunder and a party to this
          Agreement, entitled to all rights and subject to all obligations
          attributable to a Bank hereunder. To the extent necessary, the
          Borrowers will issue replacement Notes to the other Banks reflecting
          their new Revolving Credit Commitments and upon receipt of the
          replacement Notes the Banks shall return the prior Notes.

     (C)  Each extension of credit under the Revolving Credit Commitment shall
          be made by each Bank in the proportion which that Bank's Revolving
          Credit Commitment bears to the total Revolving Credit Commitment.
          Within the limits of the Revolving Credit Commitment, the Borrowers
          may borrow, repay and reborrow under this Section; provided that all
          of the Loans be paid in full on the Maturity Date. The Borrowers shall
          pay interest on the principal amount of the Revolving Credit Advances
          outstanding from time to time at the Interest Rate applicable to each
          Loan in accordance with Section 2.7.

     (D)  The Revolving Credit Commitment shall be permanently reduced by the
          sum of Three Hundred Thousand Dollars ($300,000), beginning on October
          1, 2000 and continuing on the

                                       11

<PAGE>

          last day of every calendar quarter thereafter (each, a "Mandatory
          Reduction Date"), until the Revolving Credit Commitment has reached
          Twenty-Five Million Dollars ($25,000,000); provided that, in the event
          an additional Bank or Banks joins this Agreement pursuant to Section
          2.1(B) above, on each Mandatory Reduction Date subsequent to such
          joinder, the amount by which the Revolving Credit Commitment is
          reduced shall be increased to $358,000 (Three Hundred and Fifty-Eight
          Thousand Dollars). In addition to reductions on Mandatory Reduction
          Dates, the Borrower Agent shall have the right at any time and from
          time to time, upon at least three (3) Business Days prior written
          notice by the Borrower Agent to the Agent, to terminate the Revolving
          Credit Commitment in whole or reduce it in part, provided, however,
          that: (i) the Borrowers shall simultaneously with each such reduction
          pay to the Agent, for the account of the Banks (a) the amount by which
          the Total Outstanding Revolving Credit exceeds the Revolving Credit
          Commitment as so reduced, with such repaid principal to be applied
          first against Base Rate Loans and thereafter against Eurodollar Loans
          in accordance with Section 2.17(D), and (b) all accrued and unpaid
          interest on the Loans so prepaid; and (ii) to the extent application
          of this subsection requires a prepayment of any Eurodollar Loans prior
          to the end of the applicable Interest Period(s), the Borrowers shall
          pay any prepayment compensation required under Section 2.17 (whether
          or not the Banks shall have actually funded a Loan with corresponding
          deposits). Any partial reduction of the Revolving Credit Commitment
          made at Borrower Agent's option shall be in the minimum amount of Five
          Hundred Thousand Dollars ($500,000) or in multiples of Five Hundred
          Thousand Dollars ($500,000) in excess thereof. Any termination or
          reduction of the Revolving Credit Commitment hereunder shall be
          permanent, and the Revolving Credit Commitment cannot thereafter be
          restored or increased without the written consent of the Banks. Upon
          the termination of the Revolving Credit Commitment in whole, the
          Borrowers shall pay any accrued Commitment Fees and repay the
          aggregate principal amount of the Total Outstanding Revolving Credit
          together with interest thereon and any other sums due hereunder,
          including, without limitation, under Section 2.17.

     (E)  The Borrowers may borrow, repay and reborrow under the Revolving
          Credit Commitment until the Maturity Date subject to the terms and
          conditions of this Agreement.

SECTION 2.2 REVOLVING CREDIT ADVANCES.

     (A)  Borrower Agent Request. The Borrower Agent shall notify the Agent by
          telephone no later than Noon Philadelphia time the day of the
          requested borrowing of each proposed Base Rate Loan, specifying the
          date and amount of the proposed Base Rate Loan. The Borrower Agent
          shall notify the Agent by telephone no later than Noon Philadelphia
          time at least three (3) Business Days in advance of each proposed
          Eurodollar Loan, specifying the date and the amount of such proposed
          Loan and the length of the proposed Interest Period. The Borrower
          Agent will confirm any telephonic notice of a proposed Loan the same
          day by facsimile copy. Each Eurodollar Loan shall be in an amount of
          Five Hundred Thousand Dollars ($500,000) or in multiples of One
          Hundred Thousand Dollars ($100,000) in excess thereof. Each such
          notice (whether or not actually confirmed by facsimile copy) shall
          constitute a representation by all of the Borrowers that, at the time
          thereof and giving effect to the Loan requested thereby, the
          conditions precedent for such Loan as set forth in Section 4.2 hereof
          have all been satisfied.

     (B)  Making Loans. Upon satisfaction of the conditions set forth herein,
          the Agent shall promptly notify each Bank of each such notice. Not
          later than 2:00 p.m. Philadelphia time on the date of the requested
          Loan, each Bank will make available to the Agent at the Agent's
          specified office in immediately available funds, such Bank's pro rata
          share of such Loan. After the Agent's receipt of such funds, not later
          than 4:00 p.m. on the date of such Loans and upon satisfaction of the
          conditions set forth herein, the Agent shall make the requested
          Advance available to the Borrower Agent (for the account of the
          relevant Borrower), in the Borrower Agent's account maintained with
          the Agent. The Borrowers agree to hold the Agent and Banks harmless
          from any liability for any loss resulting from the Agent's reliance on
          any writing, facsimile copy or telephonic notice purportedly made by
          an officer of

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<PAGE>

          the Borrower Agent, provided that the Agent has acted in good faith in
          doing so. The Agent may assume that telephonic notice of a request for
          a Loan is from an authorized officer of the Borrower Agent, absent
          willful misconduct or gross negligence.

     (C)  NON-RECEIPT OF FUNDS BY AGENT.

          (1)  Unless the Agent shall have received notice from a Bank prior to
               the date on which such Bank is to provide funds to the Agent for
               a Loan to be made by such Bank that such Bank will not make
               available to the Agent such funds, the Agent may assume that such
               Bank has made such funds available to the Agent on the date of
               such Loan in accordance with Section 2.2 and the Agent in its
               sole discretion may, but shall not be obligated to, in reliance
               upon such assumption, make available to the Borrowers on such
               date a corresponding amount. If and to the extent such Bank shall
               not have so made such funds available to the Agent, such Bank
               agrees to repay to the Agent forthwith on demand such
               corresponding amount together with interest thereon, for each day
               from the date such amount is made available to the Borrowers
               until the date such amount is repaid to the Agent, at the
               overnight federal funds rate calculated in the manner customary
               for the correction of errors among banks for three Business Days
               and thereafter at the Base Rate. If such Bank shall repay to the
               Agent such amount with interest upon or prior to the Agent's
               demand therefor, such Bank shall be deemed to have funds
               available as required under Section 2.2. If such Bank does not
               pay such amount forthwith upon Agent's demand therefor, the Agent
               shall promptly notify Borrowers, and Borrowers shall immediately
               pay such corresponding amount to the Agent with interest thereon,
               for each day from the date such amount is made available to the
               Borrowers until the date such amount is repaid to the Agent, at
               the rate of interest applicable at the time to such proposed
               Loan.

          (2)  Unless the Agent shall have received notice from the Borrowers
               prior to the date on which any payment is due to the Banks
               hereunder that the Borrowers will not make such payment in full,
               the Agent may assume that the Borrowers have made such payment in
               full to the Agent on such date and the Agent in its sole
               discretion may, but shall not be obligated to, in reliance upon
               such assumption, cause to be distributed to each Bank on such due
               date an amount equal to the amount then due such Bank. If and to
               the extent the Borrowers shall not have so made such payment in
               full to the Agent, each Bank shall repay to the Agent forthwith
               on demand such amount distributed to such Bank together with
               interest thereon, for each day from the date such amount is
               distributed to such Bank until the date such Bank repays such
               amount to the Agent, at the overnight federal funds rate
               calculated in the manner customary for the correction of errors
               among banks for three Business Days and thereafter at the Base
               Rate.

SECTION 2.3  LENDING OFFICES; BANK OBLIGATIONS. Each type of Loan shall be made
     and maintained at such Bank's Lending Office for such type of Loan. The
     failure of any Bank to make any requested Revolving Credit Loan to be made
     by it on the date specified for such Loan shall not relieve any other Bank
     of its obligation (if any) to make such Loan on such date, but no Bank
     shall be responsible for the failure of any other Bank to make such Loans
     to be made by such other Bank.

SECTION 2.4  THE REVOLVING CREDIT NOTES. All Loans made by each Bank under this
     Agreement shall be evidenced by, and repaid with interest in accordance
     with, a single promissory note of each of the Borrowers in substantially
     the form of Exhibit 2.4 duly completed, in the principal amount equal to
     such Bank's Commitment, dated the date of this Agreement, payable to such
     Bank for the account of the applicable Lending Office and maturing as to
     principal on the Maturity Date (said promissory note, as it may be
     hereafter amended, renewed or extended, the "Revolving Credit Note"). Each
     Bank is hereby authorized by the Borrowers to endorse on the schedule
     attached to the Revolving Credit Note held by it, or on its records, the
     amount of each Loan and each renewal, conversion, and payment of principal
     amount received by such Bank for the account of the applicable Lending
     Office on account of its Loans, which endorsement shall, in the absence of
     manifest error, be conclusive as to the outstanding balance

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<PAGE>

     of the Loans made by such Bank; provided, however, that the failure to make
     such notation with respect to any Loan or renewal, conversion, or payment
     shall not limit or otherwise affect the obligations of the Borrowers under
     this Agreement or the Revolving Credit Note held by such Bank.

SECTION 2.5  FEES.

     (A)  Certain Fees. At Closing, the Borrowers shall pay to the Agent an
          upfront fee for the account of the Banks in the amount of 0.15% of the
          Revolving Credit Commitment. In addition, the Borrowers shall pay
          certain other non-refundable fees to the Agent, all as set forth in
          the letter dated on or about the date hereof, to the Borrowers from
          the Agent.

     (B)  Commitment Fee. The Borrowers agree to pay to the Agent a
          non-refundable commitment fee (the "Commitment Fee") for the ratable
          benefit of the Banks computed at the rate of 1/4% per year on the
          average daily unused portion of the Revolving Credit Commitment from
          the date of this Agreement until the Maturity Date. Upon receipt of
          any Commitment Fees, the Agent will promptly thereafter cause to be
          distributed such payments to the Banks in the proportion that each
          Bank's unused Commitment bears to the total of all the Banks' unused
          Commitments.

SECTION 2.6 REPAYMENT. The Total Outstanding Revolving Credit shall be repaid in
     full on the Maturity Date, together with all accrued but unpaid interest
     and Fees. In addition, the Borrowers shall pay all amounts necessary from
     time to time to reduce the aggregate outstanding Revolving Credit Advances
     as the Revolving Credit Commitment is periodically reduced pursuant to
     Section 2.1(D), so that the aggregate outstanding Revolving Credit Advances
     never exceed the Revolving Credit Commitment.

SECTION 2.7 INTEREST; CONVERSIONS; CONTINUATIONS.

     (A)  Base Rate Loans. The Borrowers shall pay to the Agent, for the benefit
          of the Banks, interest at the Adjusted Base Rate in arrears on the
          unpaid principal amount of each Base Rate Loan from the date on which
          such Base Rate Loan is advanced or converted from a Eurodollar Loan
          until such principal amount has been repaid in full or converted to a
          Eurodollar Loan (1) quarterly on the last day of each quarter
          commencing with the last day of the first calendar quarter after this
          Agreement is executed, (2) on the date of payment in full of the Total
          Outstanding Revolving Credit and (3) on the Maturity Date.

     (B)  LIBOR Loans. The Borrowers shall pay interest in arrears on the unpaid
          principal amount of each LIBOR Loan at the applicable Adjusted LIBOR,
          on the last day of each Interest Period, with respect thereto and
          also, in the event that the Interest Period is six (6) months in
          duration, the Borrowers shall pay interest on the last day of the
          third month of such Interest Period.

     (C)  Conversions to Eurodollar Loans. By notifying the Agent at least three
          Business Days prior to an Effective Date, the Borrower Agent may
          convert into a Eurodollar Loan any Base Rate Loan(s) in an aggregate
          principal amount of Five Hundred Thousand Dollars ($500,000) and
          multiples of One Hundred Thousand Dollars ($100,000) in excess
          thereof. At the end of the applicable Eurodollar Interest Period, the
          Eurodollar Loan will convert back to a Base Rate Loan unless the
          Borrower Agent otherwise elects to continue or convert such Eurodollar
          Loan as provided herein.

     (D)  Continuation of Loans. If any Loan shall be outstanding as a
          Eurodollar Loan, then not later than 3:00 p.m. Philadelphia time on
          the date that is three (3) Business Days prior to the last day of the
          current Interest Period for such Loan, the Borrower may elect to
          continue such Loan as the same type of Loan for a subsequent Interest
          Period as provided in this Section 2.7(D).

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<PAGE>

          If the Borrower Agent elects to continue any such Loan as aforesaid,
          the Borrower Agent shall give notice not later than the time set forth
          above, which notice shall identify the type, amount and current
          Interest Period of the Loan to be continued, and the duration of the
          new Interest Period for such Loan.

     (E)  Limitation on Number of Interest Rate Tranches. At no time shall there
          be more than six (6) different Interest Periods pertaining to the
          Eurodollar Loans.

     (F)  Notices Irrevocable. All notices given under this Section shall be
          irrevocable if reasonably relied upon by the Agent and such reliance
          leads to an economic loss by the Agent and/or any Bank.

SECTION 2.8 COMPUTATION OF INTEREST AND FEES. The Fees and all interest on the
     Loans and other sums payable hereunder shall be computed on the basis of a
     year of 360 days for the actual number of days elapsed.

SECTION 2.9 PAYMENTS.

     (A)  The Borrowers hereby authorize the Agent or any Bank to charge
          directly any account maintained by the Borrowers or any entity
          comprising the Borrowers with the Agent or any Bank for any payments
          of principal of the Loans, interest and Fees, and any other amounts
          owing under this Agreement or under the Note, as and when due. The
          Agent or any Bank shall promptly notify the Borrower Agent (and Agent
          if notice is given by a Bank) whenever any such account is so charged,
          which notice shall specify the amount so charged and the obligations
          hereunder to which such amount was applied. In the event that the
          Borrowers maintain insufficient funds in such account(s) to meet the
          Borrowers' obligations hereunder when due, the Borrowers will make all
          payments of principal of the Loans, all payments of interest on the
          Loans and all payments of Fees, to the Agent, for the benefit of the
          Banks, not later than 1:00 P.M. Philadelphia time on the applicable
          due date in immediately available funds.

     (B)  Any payment made after the time specified in subsection (A) shall be
          deemed to have been made on the next succeeding Business Day.

     (C)  After the occurrence of an Event of Default, the Agent shall apply all
          payments and collections received by it as follows: first, to all of
          the reasonable costs and expenses incurred in connection with the
          collection of such payments; second, to accrued and unpaid Fees (other
          than attorneys' fees and expenses already paid pursuant to "first"
          above); third, to accrued interest; fourth, to the outstanding
          principal amount of the Loans; fifth, to all other amounts which shall
          have come due hereunder, and sixth, to the Borrowers.

SECTION 2.10 PAYMENT ON NON-BUSINESS DAYS. Whenever any payment to be made
     hereunder shall be stated to be due on a day that is not a Business Day,
     such payment shall be made on the next succeeding Business Day, and, except
     as otherwise specifically provided herein, such extension of time shall in
     such case be included in the computation of payment of interest hereunder
     or under the Note or the Fees, as the case may be.

SECTION 2.11 REIMBURSEMENT TO THE BANKS FOR COST INCREASES IMPOSED BY Law.

     (A)  If any change in existing law or regulation, any new law, change in
          regulatory interpretation or change in any other factor having the
          force of law shall impose or change any tax (other than taxes on
          income in general), reserve, insurance, special deposit or similar
          requirements or charges with respect to funds obtained by any Bank to
          make or maintain any of the

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<PAGE>

          Loans during any Interest Period, and the result is to increase the
          cost to such Bank of obtaining or maintaining such funds or to reduce
          the return to such Bank on the Loans, the Borrowers shall pay to such
          Bank an amount sufficient to compensate such Bank in full for such
          increased costs or such reduced return.

     (B)  A certificate of the affected Bank setting forth such amount or
          amounts as shall be necessary to compensate the Bank or its holding
          company as specified above shall be provided to the Agent and promptly
          forwarded by the Agent to the Borrowers and shall be conclusive absent
          manifest error, provided such determination is made on a reasonable
          basis. The Borrowers shall pay the affected Bank the amount shown as
          due on any such certificate delivered by the Bank within 10 days after
          its receipt of the same.

SECTION 2.12 REIMBURSEMENT TO THE BANKS FOR INCREASED COSTS DUE TO CAPITAL
     ADEQUACY REQUIREMENTS.

     (A)  If any law or regulation or the interpretation thereof by any court or
          administrative or governmental authority charged with the
          administration thereof, or compliance by any Bank with any request or
          directive (whether or not having the force of law) of any such
          authority, applicable from time to time, shall after the date hereof
          (A) impose, modify, deem applicable or result in the application of
          any capital maintenance, capital ratio or similar requirements against
          loan commitments or other facilities made by such Bank and the result
          thereof shall be to impose upon such Bank a fee or a requirement to
          increase any capital requirement applicable as a result of the making
          or maintenance of the Loans (which imposition of or increase in
          capital requirements may be determined by such Bank's allocation of
          the aggregate of such capital impositions or increases), or subject
          such Bank to any tax, duty or other charge with respect to the Loans,
          such Bank's Note, or its obligation to advance under the Revolving
          Credit Commitment, or change the basis of taxation of payments to such
          Bank of the principal of or interest on the Loans or any other amounts
          due under this Agreement in respect of the Loans or its obligation to
          advance under the Revolving Credit Commitment (including the
          imposition of any tax not previously in effect on the net income of
          such Bank imposed by any jurisdiction in which such Bank is obligated
          to pay taxes), then, upon demand by such Bank or the Agent, the
          Borrowers shall immediately pay to the Bank from time to time as
          specified by such Bank, such additional amounts or fees which shall be
          sufficient to compensate such Bank for such impositions of or
          increases in capital requirements or taxes from the date of such
          change.

     (B)  A certificate of the affected Bank setting forth such amount or
          amounts as shall be necessary to compensate the Bank or its holding
          company as specified above shall be provided to the Agent and promptly
          forwarded by the Agent to the Borrowers and shall be conclusive absent
          manifest error, provided such determination is made on a reasonable
          basis. The Borrowers shall pay the affected Bank the amount shown as
          due on any such certificate delivered by the Bank within 10 days after
          its receipt of the same.

     (C)  Failure on the part of a Bank to demand compensation for increased
          costs or reduction in amounts received or receivable or reduction in
          return on capital with respect to any period after the date hereof
          shall not constitute a waiver of the Bank's right to demand
          compensation with respect to such period or any other period during
          the term of this Agreement provided that such demand is made prior to
          repayment of all credit extended by the Banks under this Agreement.

SECTION 2.13 ILLEGALITY. Notwithstanding any other provision in this Agreement,
     if the adoption of any applicable law, rule, or regulation, or any change
     therein, or any change in the interpretation or administration thereof by
     any governmental authority, central bank, or

                                       16

<PAGE>

     comparable agency charged with the interpretation or administration
     thereof, or compliance by any Bank (or its lending office) with any request
     or directive (whether or not having the force of law) of any such
     authority, central bank, or comparable agency shall make it unlawful or
     impossible for such Bank (or its lending office) to honor its obligation to
     make or maintain LIBOR Loans, then upon notice to the Borrowers by the
     Agent at the request of such Bank such obligation shall be suspended until
     such time as the applicable Bank may again make and maintain LIBOR Loans of
     such type (and until such time, any Loans that are outstanding as LIBOR
     Loans shall, upon the request of the Agent at the request of such Bank, be
     automatically converted into Base Rate Loans and the Borrowers shall not be
     required to pay any compensation due under Section 2.16 in connection
     therewith).

SECTION 2.14  INTEREST AND COMMISSIONS AFTER EVENT OF DEFAULT. After the
     occurrence of any Event of Default, the Agent shall have the right upon
     notice to the Borrower Agent to change the Interest Rate on all Loans and
     other amounts advanced and/or owing hereunder to be the applicable Interest
     Rate plus three percent (3%) (the "Default Rate"), effective upon the
     giving of such notice.

SECTION 2.15  SPECIAL PROVISIONS FOR LIBOR LOANS.

     (A)  Unavailability of Funds and Indeterminate Interest Rates. If on or
          before any Effective Date for a Eurodollar Loan the Agent determines
          in good faith that no adequate means exists to determine the LIBOR for
          such Interest Period, then the Agent shall so notify the Borrowers on
          or before the Effective Date and the Borrowers shall have one (1)
          Business Day after notice to withdraw their request for such Loan. If
          the Borrowers do not withdraw such request, such Loan shall bear
          interest (following the expiration of the then applicable Interest
          Period, if any) at the rates from time to time applicable to Base Rate
          Loans. Until such notice from the Agent has been withdrawn, no further
          Eurodollar Loans shall be made, nor shall the Borrowers have the right
          to convert a Base Rate Loan to a Eurodollar Loan.

     (B)  Discretion of the Agent as to Manner of Funding. Notwithstanding any
          other provision of this Agreement, the Agent on behalf of the Banks
          may fund or maintain its funding of all or any part of the Loans in
          any legal manner it chooses and such manner of funding shall not in
          any way relieve the Borrowers of their obligations to pay prepayment
          compensation in the event of a prepayment as set forth in Section 2.16
          hereof.

SECTION 2.16  PREPAYMENT; FUNDING LOSS INDEMNIFICATION.

     (A)  The Borrowers may prepay Base Rate Loans in whole or in part at any
          time and from time to time, without premium or penalty.

     (B)  The Borrowers shall pay to the Agent, upon the request of any Bank(s),
          such amount or amounts as shall be sufficient to compensate the Banks
          for any loss, cost or expense (including, without limitation, costs or
          losses associated with prepaying or redeploying deposits (whether or
          not the Banks shall have actually funded a Loan with corresponding
          deposits)) which the Agent determines is attributable to:

          (1)  any payment, prepayment, conversion or continuation of a LIBOR
               Loan made by the Bank on a date other than the last day of an
               Interest Period for such Loan (whether by reason of acceleration
               or otherwise); or

          (2)  any failure by the Borrowers to borrow, convert into or continue
               a LIBOR Loan to be made, converted into or continued by the Agent
               on behalf of the Banks on the date specified therefor pursuant to
               the Borrower Agent's prior election.

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<PAGE>

          A determination of the Agent as to the amounts payable pursuant to
          this Section 2.16(B) shall be conclusive if made on a reasonable basis
          and in good faith.

     (C)  Provided that the Borrowers have not given the Agent written
          instructions to the contrary, the Bank shall apply any voluntary
          principal prepayment first, to repayment of the Base Rate Loans then
          outstanding, and second, to repayment of any LIBOR Loans in such a
          manner as to minimize the Borrowers' obligation to pay prepayment
          compensation under this Section 2.16.

SECTION 2.17 LETTERS OF CREDIT. Subject to the terms and conditions of this
     Agreement, the Revolving Credit Commitment may be utilized, upon the
     request of the Borrower Agent, in addition to the Revolving Credit Advances
     provided for by Section 2.1, by the issuance by the Agent of letters of
     credit (collectively, "Letters of Credit") for account of the Borrowers up
     to a maximum aggregate stated amount of $5,000,000 at any one time
     outstanding, provided that no Letter of Credit shall be requested by the
     Borrowers if the total of outstanding Revolving Credit Loans and Letters of
     Credit (including the Letter of Credit being requested) would exceed the
     aggregate Revolving Credit Commitment. Each Letter of Credit shall provide
     that drafts drawn under it shall be payable at sight and shall expire
     before the Maturity Date and not more than 364 days after issuance. Letters
     of Credit under the Prior Agreement shall be deemed to be Letters of Credit
     under this Agreement. The following additional provisions shall apply to
     Letters of Credit:

     (A)  The Agent may decline to issue any Letter of Credit which it
          reasonably believes to be in violation of applicable laws or
          regulations or the use of which it determines to be unacceptable in
          its reasonable judgment. Upon issuance of each Letter of Credit, the
          Agent will promptly notify the Banks thereof, and each Bank shall
          immediately and automatically acquire (without the need for the
          execution of any document or other act) a pro-rata risk participation
          in the Letter of Credit based on its respective Commitment.

     (B)  The Borrower Agent shall give the Agent at least three (3) Business
          Days irrevocable prior notice (effective upon receipt) specifying the
          Business Day each Letter of Credit is to be issued and the account
          party or parties therefor and describing in reasonable detail the
          proposed terms of such Letter of Credit (including the beneficiary
          thereof) and the nature of the transactions or obligations proposed to
          be supported thereby (including whether such Letter of Credit is to be
          a commercial letter of credit or a standby letter of credit).

     (C)  On each day during the period commencing with the issuance by the
          Agent of any Letter of Credit and until such Letter of Credit shall
          have expired or been terminated, the Commitment shall be deemed to be
          utilized for all purposes of this Agreement in an amount equal to the
          then undrawn face amount of such Letter of Credit.

     (D)  Upon receipt from the beneficiary of any Letter of Credit of any
          demand for payment under such Letter of Credit, the Agent shall
          promptly notify the Borrower Agent of the amount to be paid by the
          Agent as a result of such demand and the date on which payment is to
          be made by the Agent to such beneficiary in respect of such demand,
          provided that, failure to so notify shall not affect the Borrower's
          obligations hereunder. Notwithstanding the identity of the account
          party of any Letter of Credit, the Borrowers hereby jointly and
          severally and unconditionally agree to pay and reimburse the Agent for
          the amount of each demand for payment under such Letter of Credit that
          is in compliance with the provisions of such Letter of Credit at or
          prior to the date on which payment is to be made by the Agent to the
          beneficiary thereunder, without presentment, demand, protest or other
          formalities of any kind.

     (E)  Forthwith upon its receipt of a notice referred to in paragraph (D) of
          this Section 2.17, the Borrower Agent shall advise the Agent whether
          or not a Borrower intends to borrow

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<PAGE>

          hereunder to finance its obligation to reimburse the Agent for the
          amount of the related demand for payment and, if it does, submit a
          notice of such borrowing as provided in Section 2.2. If the Borrowers
          do not borrow nor reimburse the Agent for the amount of the related
          demand for payment, each Bank shall pay to the Agent a pro rata share
          of the amount of the demand for payment, based on each Bank's pro rata
          share of the Revolving Credit Commitment.

     (F)  The Borrowers shall pay to the Agent a Letter of Credit fee equal to
          the Applicable Margin per annum multiplied by the face amount of such
          Letter of Credit on the date any Letter of Credit is issued or renewed
          (calculated as of the date of such issuance or renewal). The Letter of
          Credit fee shall be allocated as follows: first, 0.125% per annum of
          the face amount of such Letter of Credit shall be paid to the Agent,
          and the remaining amount of the Letter of Credit fee shall be
          allocated among the Banks according to their relative pro rata portion
          of the Revolving Credit Commitment. In addition, the Borrowers shall
          pay to the Agent all commissions, charges, costs and expenses in the
          amounts customarily charged by the Agent from time to time in like
          circumstances with respect to the issuance of each Letter of Credit
          and drawings and other transactions relating thereto.

     (G)  The issuance by the Agent of each Letter of Credit shall, in addition
          to the conditions precedent to the making of a Loan set forth in
          Article IV hereof, be subject to the conditions precedent that (i)
          such Letter of Credit shall be in such form, contain such terms and
          support such transactions as shall be reasonably satisfactory to the
          Agent consistent with its then current practices and procedures with
          respect to letters of credit of the same type and (ii) the account
          party on such Letter of Credit shall have executed and delivered such
          applications, agreements and other instruments relating to such Letter
          of Credit as the Agent shall have reasonably requested consistent with
          its then current practices and procedures with respect to letters of
          credit of the same type, provided that in the event of any conflict
          between any such application, agreement or other instrument and the
          provisions of this Agreement, the provisions of this Agreement shall
          control.

     (H)  The issuance by the Agent of any modification, amendment, or
          supplement to any Letter of Credit hereunder shall be subject to the
          same conditions applicable under this Section 2.17 to the issuance of
          new Letters of Credit.

     (I)  The Borrowers hereby jointly and severally indemnify and hold harmless
          the Agent and Banks from and against any and all claims and damages,
          losses, liabilities, costs or expenses that the Agent or Banks may
          incur (or that may be claimed against the Agent or Banks by any Person
          whatsoever) by reason of or in connection with the execution and
          delivery or transfer of or payment or refusal to pay by the Agent and
          Banks under any Letter of Credit, other than such amounts arising due
          to the Agent's or any Bank's gross negligence or willful misconduct.

SECTION 2.18  TAXES.

     (A)  All payment by any of the Borrowers of principal of, and interest on,
          the Loans and all other amounts payable hereunder shall be made free
          and clear of and without deduction for any present or future income,
          excise, stamp or franchise taxes and other taxes, fees, duties,
          withholdings or other charges of any nature whatsoever imposed by any
          taxing authority, United States or foreign, but excluding franchise
          taxes and taxes imposed on or measured by any Bank's net income or
          receipts (such non-excluded items being called "Taxes"). In the event
          that any withholding or deduction from any payment to be made by a
          Borrower hereunder is required in respect of any Taxes pursuant to any
          applicable law, rule or regulation, then the Borrowers jointly and
          severally agree to:

          (1)  Pay directly to the relevant authority the full amount required
               to be so withheld or deducted;

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<PAGE>

          (2)  Promptly forward to the Agent an official receipt or other
               documentation satisfactory to the Agent evidencing such payment
               to such authority; and

          (3)  Pay to the Agent for the account of the Banks such additional
               amount or amounts as is necessary to ensure that the net amount
               actually received by each Bank will equal the full amount such
               Bank would have received had no such withholding or deduction
               been required.

     (B)  If any Taxes are directly asserted against the Agent or any Bank with
          respect to any payment received by the Agent or such Bank hereunder,
          the Agent or such Bank may pay such Taxes and the Borrowers jointly
          and severally agree to promptly pay such additional amounts (including
          any penalties, interest or expenses) as are necessary in order that
          the net amount received by such Person after the payment of such Taxes
          (including any Taxes on such additional amount) shall equal the amount
          such Person would have received had not such Taxes been asserted. A
          certificate of the affected Bank setting forth such amount or amounts
          as shall be necessary to compensate the Bank or its holding company as
          specified above shall be provided to the Agent and promptly forwarded
          by the Agent to the Borrowers and shall be conclusive absent manifest
          error, provided such determination is made on a reasonable basis. The
          Borrowers shall pay the affected Bank the amount shown as due on any
          such certificate delivered by the Bank within 10 days after its
          receipt of the same.

     (C)  The Borrowers jointly and severally shall indemnify the Agent and the
          Banks for any incremental Taxes, interest or penalties that may become
          payable by any Bank as a result of any failure by any Borrower to pay
          any Taxes when due to the appropriate taxing authority or to remit to
          the Agent, for the account of the respective Banks, the required
          receipts or other required documentary evidence.

SECTION 2.19  ADDITIONAL BORROWERS. Any Subsidiary of a Borrower shall, unless
     otherwise specifically agreed to in writing by the Agent, immediately upon
     becoming a Subsidiary of a Borrower become a Borrower hereunder ("New
     Borrower") and be jointly and severally obligated with each other Borrower
     under this Agreement with respect to all of the obligations under this
     Agreement stated to be obligations of the Borrower; and MTI shall cause
     each New Borrower to execute and deliver to the Agent (i) an instrument in
     form and substance reasonably satisfactory to the Agent pursuant to which
     each New Borrower agrees to assume all of the obligations of a "Borrower"
     under this Agreement, and (ii) such other documents as the Agent may
     reasonably request, including, without limitation, UCC-1 financing
     statements. The right of the New Borrower to receive the proceeds of a Loan
     hereunder shall be subject to the delivery to the Agent of such proof of
     corporate action, incumbency of officers, opinions of counsel and other
     documents as are consistent with those delivered by each Borrower
     originally signatory hereto pursuant to Section 4.1 as well as such other
     information or documents as the Agent shall reasonably request.

                                  Article III
                                   COLLATERAL

SECTION 3.1 SECURITY. As security for the payment of all Obligations of
     Borrowers to the Agent or Banks, each of the Borrowers hereby grant to the
     Agent, for the benefit of the Banks, a security interest in and lien upon
     all of the following property (the "Collateral"):

     (A)  All of the Borrowers' existing and future accounts, contract rights,
          chattel paper, instruments and documents and all other rights to the
          payment of money whether or not yet earned, for services rendered or
          goods sold, consigned, leased or furnished by the Borrowers or
          otherwise, and all products and proceeds of any of the foregoing.

                                       20

<PAGE>

     (B)  All of the Borrowers' present and future inventory (including, but not
          limited to, goods held for sale or lease or furnished or to be
          furnished under contracts for service, raw materials, work-in-process,
          finished goods and goods used or consumed in the Borrowers' business)
          whether owned, consigned or held on consignment (to the extent
          permitted by such consignment), together with all of the Borrowers'
          merchandise, component materials, supplies, packing, packaging and
          shipping materials, and all returned, rejected or repossessed goods
          sold, consigned, leased or otherwise furnished by the Borrowers and
          all products and proceeds of any of the foregoing.

     (C)  All of the Borrowers' present and future general intangibles
          (including, but not limited to, manufacturing and processing rights,
          designs, patent rights and applications therefor, trademarks and
          registration or applications therefor, tradenames, brand names, logos,
          inventions, copyrights and all applications and registrations
          therefor) software and computer programs, license rights, royalties,
          trade secrets, methods, processes, know-how, formulas, drawings,
          specifications, descriptions, label designs, plans, blueprints,
          patterns and all memoranda, notes and records with respect to any
          research and development, and all products and proceeds of any of the
          foregoing.

     (D)  All of the Borrowers' present and future machinery, equipment,
          furniture, fixtures, tools, dies, jigs, molds and other articles of
          tangible personal property of every type, together with all parts,
          substitutions, accretions, accessions, attachments, accessories,
          additions, components and replacements thereof, and all manuals of
          operation, maintenance or repair, and all products and proceeds of any
          of the foregoing.

     (E)  All of the Borrowers' present and future general ledger sheets, files,
          records, books of account, invoices, bills, certificates or documents
          of ownership, bills of sale, business papers, correspondence, credit
          files, tapes, cards, computer runs and all other data and data storage
          systems whether in the possession of the Borrowers or any service
          bureau.

     (F)  Borrowers' interest as tenant under that certain Lease for the
          premises located at 2828 Charter Road, Philadelphia, Pennsylvania
          dated May 17, 1999, and under any lease for any location, in any case
          as amended or replaced, except to the extent that this clause violates
          any such lease and no waiver or consent is obtained.

     (G)  All deposits, funds, instruments, documents, policies and certificates
          of insurance, securities, chattel paper and other assets of the
          Borrowers or in which any of the entities comprising the Borrowers has
          an interest and all proceeds thereof, now or at any time hereafter on
          deposit with or in the possession or control of any Bank or owing by
          any Bank to the Borrowers or in transit by mail or carrier to such
          Bank or in the possession of any other Person acting on such Bank's
          behalf, without regard to whether such Bank received the same in
          pledge, for safekeeping, as agent for collection or otherwise, or
          whether such Bank has conditionally released the same, and in all
          assets of the Borrowers in which such Bank now has or may at any time
          hereafter obtain a lien, mortgage, or security interest for any
          reason.

               The above-described security interests shall not be rendered void
          by the fact that no Obligations exist as of any particular date, but
          shall continue in full force and effect until the filing of
          termination statements signed by the Agent with respect to the
          Collateral. Upon payment of all Obligations and termination of the
          Revolving Credit Commitment, at the Borrowers' cost and expense, the
          Agent will execute and deliver to the Borrowers such termination
          statements as may be needed to terminate the Agent's security interest
          in the Collateral.

SECTION 3.2 FINANCING STATEMENTS; CERTIFICATES OF TITLE. The Borrowers will join
     with the Agent in executing such financing statements and continuation
     statements (in form satisfactory to Agent) under the Uniform Commercial
     Code as the Agent may specify, and will pay the cost of filing the

                                       21

<PAGE>

     same in such public offices as the Agent shall designate. The Borrowers
     shall have noted on the certificate of title of any Collateral the liens
     created hereby and shall deliver to the Agent the originals of each such
     Certificate of Title. Each Borrower agrees to take whatever action the
     Agent reasonably requests to perfect and to continue perfection of the
     Agent's security interest in the Collateral.

SECTION 3.3 LANDLORD'S WAIVER. Each Borrower shall use its best efforts to cause
     the owners of the locations identified on Schedule 3.4 and/or identified in
     Section 3.1(F) to execute and deliver to the Agent an instrument (in form
     satisfactory to the Agent) by which each such owner waives its right to
     distrain on any of the Collateral, and by which such owner grants to the
     Agent the right (but not the obligation) to cure any default by any
     Borrower under the applicable lease (each, a "Landlord's Waiver").

SECTION 3.4 PLACES OF BUSINESS; LOCATION OF COLLATERAL.

     (A)  Each Borrower represents that the properties listed on Schedule 3.4
          attached hereto serves as such Borrower's chief place of business,
          chief executive office, and the place where it keeps its books and
          records, and substantially all of the equipment or inventory serving
          as Collateral hereunder.

     (B)  Each Borrower will notify the Agent at least thirty (30) days prior to
          (1) any change in the location of the chief place of business or chief
          executive office of such Borrower, (2) any change in the place where
          such Borrower keeps its equipment and/or inventory or its books and
          records, (3) the establishment of any new or the discontinuance of any
          existing place of business, and (4) the establishment of any new or
          the discontinuance of any location where inventory, equipment or books
          and records are kept.

     (C)  No Borrower will permit its equipment to be removed from its current
          location or any of its inventory serving as Collateral to be so
          removed without the Agent's prior consent, except for sales of
          inventory in the ordinary course of business.

SECTION 3.5 AGENT'S RIGHTS WITH RESPECT TO ACCOUNTS, CHATTEL PAPER, INSTRUMENTS
     AND GENERAL INTANGIBLES. With respect to any account, chattel paper,
     instrument and general intangible that is Collateral hereunder, the Agent
     for the benefit of the Banks shall have the right at any time and from time
     to time, without notice to the Borrowers, to: (A) if there then exists an
     Unmatured Event of Default or Event of Default, endorse in the name of any
     Borrower all proceeds of the accounts, chattel paper, instruments and
     general intangibles payable to such Borrower that come to the Bank; (B)
     upon the occurrence of an Unmatured Event of Default or an Event of Default
     and during the continuance thereof, notify purchasers under the Borrower's
     accounts, chattel paper, instruments and general intangibles that such
     accounts, chattel paper, instruments and general intangibles have been
     assigned to the Agent for the account of the Banks, (C) upon the occurrence
     of an Event of Default, and during the continuance thereof, compromise,
     extend, or renew any account, chattel paper, instrument or general
     intangible of any Borrower or deal with the Borrower's accounts, chattel
     paper, instruments and general intangibles as the Agent may reasonably deem
     advisable; (D) whether or not there then exists an Unmatured Event of
     Default, to make exchanges, substitutions, or surrenders of Collateral; and
     (E) if there exists an Event of Default, take control of any cash or
     non-cash proceeds of any account, chattel paper, instrument, and/or general
     intangibles which funds shall then be applied to the Loans pursuant hereto.

SECTION 3.6  ACCOUNTS. With respect to each account:

     (A)  each Borrower represents that: (1) such account is not evidenced by a
          judgment, an instrument or chattel paper or secured by a letter of
          credit (except (a) such judgment as has been assigned, (b) such
          instrument or chattel paper as has been endorsed and delivered to the

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<PAGE>

          Agent and (c) such letter of credit as has been assigned and delivered
          to the Agent) and represents a bona fide completed transaction; (2)
          the amount shown on such Borrower's books and records and on any list,
          invoice or statement furnished to the Bank is owing to such Borrower;
          (3) the title of such Borrower to the account is absolute; (4) the
          account has not been transferred to any other person, and, at the time
          such account is created, no person except the Borrowers have any claim
          thereto or; (5) no partial payment against any account has been made
          by anyone; and (6) no material set-off or counter-claim to such
          account exists, and no agreement has been made with any person under
          which any material deduction or discount may be claimed.

     (B)  Each Borrower will immediately notify the Agent if any material
          account arises out of contracts with the United States or any
          department, agency or instrumentality thereof, furnish the Agent with
          copies of each such contract and execute any instruments and take any
          steps reasonably required by the Agent in order that all moneys due
          and to become due under any such contract shall be assigned to the
          Agent for the account of the Banks and notice given under the Federal
          Assignment of Claims Act.

SECTION 3.7 EQUIPMENT AND INVENTORY. Each Borrower represents, warrants and
     agrees that except for leased equipment (A) such Borrower is the absolute
     owner of its inventory and equipment, subject only to the security
     interests created hereby and those permitted under Section 6.4(A); and (B)
     each Borrower will sell its inventory only in the ordinary course of
     business; and (C) if any inventory is or becomes represented by a document,
     the Agent may require that such document be in such form as to permit the
     Agent or anyone to whom the Agent may negotiate the same to obtain delivery
     to it of the inventory represented thereby.

SECTION 3.8 CONDITION OF INVENTORY. Each Borrower will immediately notify the
     Bank of any event of deterioration, loss or depreciation of value of any
     substantial portion of its inventory and the amount of such deterioration,
     loss or depreciation.

SECTION 3.9 EXPENSES OF THE AGENT. The Borrowers will reimburse the Agent on
     demand for all reasonable expenses (including the reasonable fees and
     expenses of legal counsel for the Agent) in connection with the enforcement
     of the Banks' rights to take possession of the Collateral and the proceeds
     thereof and to hold, collect, render in compliance with applicable
     environmental laws and regulations, prepare for sale, sell and dispose of
     the Collateral.

SECTION 3.10 NOTICES. If notice of sale, disposition or other intended action by
     the Agent with respect to the Collateral is required by the Uniform
     Commercial Code or other applicable law, any notice thereof sent to the
     Borrower Agent at its address specified herein or such other address of
     Borrower Agent as may from time to time be shown on the records of the
     Agent at least five (5) days prior to such action, shall constitute
     reasonable notice to the Borrowers.

SECTION 3.11 INSURANCE; DISCHARGE OF TAXES, ETC. The Agent shall have the right
     at any time and from time to time, with or without notice to the Borrowers,
     if the Borrowers fail to do so, (A) obtain insurance covering any of the
     Collateral, (B) discharge taxes, liens, security interests or other
     encumbrances at any time levied or placed on any of the Collateral and (C)
     pay for the maintenance and preservation of any of the Collateral. The
     Borrowers will reimburse the Agent, on demand, with interest at the Base
     Rate for any payment the Agent makes, or any expense the Agent incurs under
     this authorization. Each Borrower assigns to the Agent, for the account of
     the Banks, all right to receive the proceeds of insurance covering the
     Collateral, directs any insurer to pay all such proceeds directly to the
     Agent, for the account of the Banks, and authorizes the Agent to endorse in
     the name of the Borrowers any draft for such proceeds provided that until
     the occurrence of an Unmatured Event of Default, the Agent agrees to
     promptly endorse and deliver any proceeds of insurance to the Borrower
     Agent.

                                       23

<PAGE>

SECTION 3.12 WAIVER AND RELEASE BY BORROWER. Each Borrower (A) waives protest of
     all commercial paper at any time held by the Agent on which such Borrower
     is in any way liable, notice of nonpayment at maturity of any and all
     accounts of such Borrower and, except where required hereby or by law,
     notice of action taken by the Agent, and (B) releases the Agent and the
     Banks from all claims for loss or damage caused by any failure to collect
     any account or by any act or omission on the part of the Agent or its
     officers, agents and employees, except gross negligence and willful
     misconduct.

SECTION 3.13 ACCESS TO INVENTORY. The Borrowers shall permit the Agent's
     representatives to have access to their respective inventory from time to
     time, as requested by the Agent, for purposes of audit, examination,
     inspection, and appraisal thereof and verification of Borrower's records
     pertaining thereto. Except after the occurrence of an Unmatured Event of
     Default or an Event of Default, the Agent shall give the Borrowers at least
     same day telephone notice before exercising the rights granted in the
     preceding sentence and such rights shall be exercised during normal
     business hours. Upon demand by the Agent, after the occurrence and during
     the continuation of an Event of Default, each Borrower shall assemble its
     inventory which constitutes Collateral hereunder and make it available to
     the Agent at such Borrower's place of business. At the request of the
     Agent, after the occurrence and during the continuance of an Event of
     Default, each Borrower shall provide warehousing space in its own premises
     to the Agent for the purpose of taking inventory into the custody of the
     Agent without removal thereof from such premises and will erect such
     structures and post such signs as the Agent may require in order to place
     such inventory under the exclusive control of the Agent.

SECTION 3.14 RECORDS AND REPORTS. Each Borrower shall keep accurate and complete
     records of its accounts (and the collection thereof), general intangibles,
     chattel paper, instruments, documents and inventory and furnish the Agent
     such information about its accounts, general intangibles, chattel paper,
     instruments, documents, and inventory as the Agent may reasonably request.

SECTION 3.15 FURTHER ASSURANCES. From time to time each Borrower will execute
     and deliver to the Agent such additional instruments as Agent may
     reasonably request to effectuate the purposes of this Agreement and to
     assure to the Agent, as secured party, a first priority, perfected security
     interest in the Collateral. Each Borrower hereby irrevocably appoints the
     Agent as such Borrower's attorney-in-fact (A) to take any action the Agent
     deems reasonably necessary to perfect or maintain perfection of any
     security interest granted to the Agent herein or in connection herewith,
     including the execution of any document on such Borrower's behalf, and (B)
     to take any other action to effectuate the rights granted in this Article
     III, which power of attorney is coupled with an interest and irrevocable
     until all of the Liabilities are paid in full. Until all of the Obligations
     are paid in full, the Agent may, at any time and from time to time, send to
     any account debtor under any account a verification form, make such calls
     or otherwise contact such account debtors of any Borrower as are necessary
     or desirable, in the Agent's reasonable discretion, to verify accounts,
     instruments, chattel paper and/or general intangibles that are Collateral
     and the balance due.

SECTION 3.16 APPLICATION OF PROCEEDS OF COLLATERAL. Following an Event of
     Default all proceeds of Collateral shall be applied in accordance with
     Section 2.9(C) hereof.

SECTION 3.17 CONTINUING COLLATERAL. The Agent shall be under no obligation to
     proceed first against any part of the Collateral before proceeding against
     any other part of the Collateral. It is expressly agreed that all of the
     Collateral stands as equal security for all Liabilities and the Agent shall
     have the right to proceed against or sell any and/or all of the Collateral
     in any order, or simultaneously, as it, in its sole discretion, shall
     determine.

                                       24

<PAGE>

                                   Article IV
                              CONDITIONS OF LENDING

SECTION 4.1 CONDITIONS PRECEDENT TO THE LOANS. The obligation of each Bank to
     make the initial Revolving Credit Advances and the obligation of the Agent
     to issue any Letter of Credit is subject to the Agent having received, on
     or before the day on which such Loans are to be made, all of the following
     which shall be in form and substance satisfactory to the Agent and its
     counsel and (except for the Notes) in sufficient copies for each Bank:

     (A)  A copy, certified in writing as of the date hereof by the Secretary or
          Assistant Secretary of each Borrower, of (1) resolutions of the Board
          of Directors of such Borrower evidencing approval of this Agreement
          and the Notes and other matters contemplated hereby and (2) each
          document evidencing any other necessary corporate action and any
          required approvals from governmental authorities for each Borrower
          with respect to this Agreement or the Notes;

     (B)  Favorable opinions of counsel for each Borrower acceptable to the
          Agent dated the date hereof in form and substance reasonably
          satisfactory to the Agent;

     (C)  A certificate dated the date hereof by the Secretary or an Assistant
          Secretary of each Borrower as to the names and signatures of the
          officers of such Borrower authorized to sign this Agreement, the Notes
          and the other documents or certificates of such Borrower to be
          executed and delivered pursuant hereto. The Banks may conclusively
          rely on, and shall be protected in acting upon, such certificate until
          it shall receive a further certificate by the Secretary or an
          Assistant Secretary of such Borrower amending the prior certificate;

     (D)  This Agreement duly executed by the Borrowers;

     (E)  The Notes duly executed by the Borrowers;

     (F)  Payment by the Borrowers of all Fees then due;

     (G)  Copies of the Bylaws of each Borrower, certified as true, correct and
          complete by such Borrower's Secretary or Assistant Secretary on behalf
          of such Borrower;

     (H)  With respect to each Borrower, certificates dated within thirty (30)
          days of the date hereof for United States jurisdictions and, as the
          Agent may require, for jurisdictions outside the United States, issued
          by the Secretary of State (or similar official) of each jurisdiction
          in which such Borrower is incorporated or is qualified to do business,
          stating that such Borrower is a corporation duly incorporated or
          authorized to do business, as the case may be, and in good standing
          under the laws of such jurisdiction;

     (I)  For each Borrower, a certificate dated the date of this Agreement and
          executed by the chief executive officer, in each case on behalf of
          such Borrower, confirming that (1) no Event of Default or Unmatured
          Event of Default has occurred or is continuing as of the Closing Date,
          (2) each of the representations and warranties made in this Agreement
          by such entity are true and correct in all material respects as of the
          date of this Agreement and of the Closing Date (or, to the extent any
          such representation or warranty expressly relates to a specific date,
          as of such specific date), (3) such entity has fully performed each
          and every covenant to be performed by such Borrower on or prior to the
          Closing Date and, for covenants contained in Sections 6.24 through
          6.27, computations demonstrating compliance with such covenants, (4)
          that each Borrower is "solvent" (as defined in such certificate) after

                                       25

<PAGE>

          giving effect to these transactions, and (5) such entity has satisfied
          each of the conditions set forth in this Article IV (to the extent
          required to be satisfied by such entity on or prior to the Closing
          Date).

     (J)  The results of Uniform Commercial Code, judgment, and bankruptcy
          searches of the jurisdictions listed in Schedule 3.4 showing no Liens
          or judgments against any Borrower or any of their assets which would
          violate Section 6.4; and;

     (K)  A certificate of insurance evidencing property insurance, business
          interruption coverage insurance, and workmen's compensation and
          commercial general liability insurance, providing such level of
          coverage and otherwise in form and substances reasonably satisfactory
          to Agent.

               Each policy of insurance must be issued by an insurance company
          reasonably satisfactory to the Agent, must not be in arrears as to the
          payment of premiums, and must provide that it will not be terminated
          without at least thirty (30) days prior written notice to the Agent
          and must name Agent as mortgagee/loss payee for the account of the
          Banks;

     (L)  Financial statements for the year ended December 31, 1998, Interim
          Financial Statements as of September 30, 1999, and copies of all
          reports delivered to the Securities and Exchange Commission;

     (M)  Financial projections prepared by MTI for the next succeeding three
          (3) years reasonably acceptable to the Banks;

     (N)  UCC-1 financing statements for all jurisdictions requested by the
          Agent;

     (O)  UCC-3 termination statements from parties holding liens which are not
          permitted in accordance herewith;

     (P)  The Landlord's Waivers and waivers from mortgagees of the landlords;

     (Q)  A Subrogation and Contribution Agreement executed by each Borrower;
          and

     (R)  such other documents as may be reasonably requested by the Agent, the
          Banks or its or their counsel.

SECTION 4.2 CONDITIONS PRECEDENT TO ALL REVOLVING CREDIT ADVANCES. The
     obligation of each Bank to disburse each Loan is subject to the further
     conditions precedent that:

     (A)  The representations and warranties contained herein shall be accurate
          on and as of the date of such disbursement as though made on and as of
          such date (or, to the extent any such representation or warranty
          expressly relates to a specific date, as of such specific date) except
          for changes permitted hereby or in writing by the Agent for the
          account of the Banks; and

     (B)  No Event of Default or Unmatured Event of Default shall have occurred
          and be continuing or will result from the making of such disbursement
          or selection.

                                       26

<PAGE>

                                   Article V
                        REPRESENTATIONS AND WARRANTIES

  Each Borrower represents and warrants to the Agent and each Bank as follows:

SECTION 5.1 EXISTENCE. Each Borrower is a corporation or limited liability
     company duly organized, validly existing and in good standing under the
     laws of its state or other jurisdiction of organization. Each Borrower has
     all requisite power and authority, corporate and otherwise, to conduct its
     business and to own its properties and is duly qualified as a foreign
     corporation or limited liability company in good standing in all
     jurisdictions in which its failure so to qualify could reasonably be
     expected to have a Material Adverse Effect.

SECTION 5.2 AUTHORIZATION. The execution, delivery and performance by each
     Borrower of each Loan Document has been duly authorized by all necessary
     corporate or other limited liability company action, and does not and will
     not violate any current provision of any government regulation or statute,
     or of the charter or by-laws or other organizational documents of such
     Borrower or result in a breach of or constitute a default under any
     instrument or other material agreement to which such Borrower is a party or
     by which it or its properties are bound or affected, except for any such
     breach or default that would not, either individually or in the aggregate,
     reasonably be expected to have a Material Adverse Effect.

SECTION 5.3 VALIDITY. Each Loan Document constitutes, valid and legally binding
     obligations of such Borrower, enforceable in accordance with their
     respective terms, except as enforceability may be limited by bankruptcy,
     insolvency or other similar laws affecting the enforcement of creditors'
     rights generally and subject to the availability of equitable remedies.

SECTION 5.4 FINANCIAL INFORMATION. The Consolidated balance sheet and statements
     of cash flows, income and changes in Shareholder's equity of MTI and its
     Subsidiaries as of and for the year ended December 31, 1998 audited by
     Coopers & Lybrand, and Interim Financial Statements for the period ended
     September 30, 1999, copies of all of which have been furnished to the
     Banks, are accurate, and present fairly the financial positions, the
     results of operations and cash flows at such dates and for the periods
     ended on such dates, all in accordance with GAAP. Since December 31, 1998
     there has been no material adverse change to the financial condition,
     business operations or prospects of MTI and its Subsidiaries taken as a
     whole either in such financial positions or in such results of operations
     except to the extent, if any, reflected in the Interim Financial Statements
     dated September 30, 1999 or MTI's Form 10-Q's filed with respect to the
     fiscal quarters ending March 31, June 30 and September 30, 1999.

SECTION 5.5 LITIGATION. There are no actions, suits or proceedings pending or,
     to the knowledge of the Borrowers, threatened against any Borrower, or any
     of their respective properties before any court or governmental department,
     commission, board, bureau, agency or instrumentality (domestic or foreign)
     which if adversely determined could reasonably be expected to have, either
     individually or in the aggregate, a Material Adverse Effect.

SECTION 5.6 CONTINGENT LIABILITIES. There are on the date hereof no suretyship
     agreements, guarantees or other contingent liabilities of any Borrower in
     respect of any Indebtedness or any other material contingent liabilities
     known to any Borrower other than (A) guarantees and other contingent
     liabilities that are disclosed in the financial statements mentioned in
     Section 5.4 or in the September 30, 1999 Report 10-Q previously filed with
     the SEC or in Schedule 5.15, and (B) the joint and several obligations of
     the Borrowers hereunder.

                                       27

<PAGE>

SECTION 5.7 TAXES. Each Borrower has filed all tax returns and reports required
     to be filed before the date of this Agreement and has paid all taxes,
     assessments and charges imposed upon it or its property, or that it is
     required to withhold and pay over, to the extent that they were required to
     be paid before the date of this Agreement except where an extension for
     filing is available and such Borrower has taken the necessary steps to
     qualify for such extension, where such taxes, assessments or charges are
     being contested in good faith and by proper proceedings and against which
     adequate reserves are being maintained in accordance with GAAP or where a
     failure to pay such taxes, assessments or charges or file such returns or
     reports would not reasonably be expected to have a Material Adverse Effect.

SECTION 5.8 ENCUMBRANCES. Except as disclosed in the lien searches conducted
     pursuant hereto, or permitted pursuant to Section 6.4, none of the
     properties or assets of any Borrower are subject to any lien, encumbrance
     or security interest.

SECTION 5.9 CONSENTS. No authorization, consent, approval, license, exemption by
     or filing or registration with any court or governmental department,
     commission, board (including the Board of Governors of the Federal Reserve
     System), bureau, agency or instrumentality, domestic or foreign, is or will
     be necessary for the valid execution, delivery or performance by any
     Borrower of this Agreement or the Notes. Each Borrower has obtained all
     Governmental Approvals necessary for the conduct of such Borrower's
     business, and the conduct of such Borrower's business is not and has not
     been in violation of any such Governmental Approval or any applicable
     federal or state law, rule or regulation, except for any Governmental
     Approval which if not obtained, or any violation which if having occurred,
     could not reasonably be expected to have, either individually or in the
     aggregate, a Material Adverse Effect.

SECTION 5.10 ERISA. All Defined Benefit Pension Plans and Defined Contribution
     Plans maintained by any of the Borrowers and the members of their
     Controlled Group meet the minimum funding standards of ss.412 of the Code,
     the regulations thereunder and ss.302 of ERISA without regard to any
     funding waiver. No Prohibited Transaction that would have a Material
     Adverse Effect has occurred with respect to any Plan. No Reportable Event
     that would have a Material Adverse Effect has occurred with respect to any
     Defined Benefit Pension Plan. No trust was established in connection with
     any such Defined Benefit Pension Plan pursuant to ss.4049 of ERISA (as in
     effect on December 17, 1987) and no liabilities have been asserted against
     any Borrower or any member of its Controlled Group in connection with any
     such Defined Benefit Pension Plan by the PBGC or by a trustee appointed
     pursuant to ss.4042(b) or (c) of ERISA, and no lien has been attached and
     neither the PBGC nor the Internal Revenue Service has threatened to attach
     a lien on any property of any Borrower or any member of its Controlled
     Group as a result of any failure to comply with the Code or the Treasury
     regulations thereunder or ERISA. All Plans maintained by any Borrower or
     any Subsidiary of any Borrower comply (A) in operation with the applicable
     requirements of the Code and the regulations thereunder and ERISA, and (B)
     in form with those requirements of the Code and the regulations thereunder
     and ERISA which must be met and reflected in Plan documents on the date
     hereof, except where the failure so to comply would not have a Material
     Adverse Effect. No Borrower or any member of its Controlled Group has
     incurred any Withdrawal Liabilities that would have a Material Adverse
     Effect.

SECTION 5.11 OWNERSHIP. The Borrowers have title to, or valid leasehold
     interests in, all of their properties and assets, real and personal,
     including the properties and assets and leasehold interests reflected on
     the financial statements referred to in Section 5.4 hereof except for (A)
     properties and assets reflected therein and disposed of as inventory in the
     ordinary course of business and (B) other property reflected therein, the
     disposal of which (individually or in the aggregate) would not reasonably
     be expected to have a Material Adverse Effect.

SECTION 5.12 SUBSIDIARIES AND OWNERSHIP OF STOCK. Schedule 5.12 is a complete
     and accurate list of the entities comprising the Borrowers, and shows (A)
     the jurisdiction of incorporation or

                                       28

<PAGE>

     organization of each such entity, (B) any Person owning more than 5% of the
     outstanding stock of MTI, and (C) the chief executive office of each
     Borrower. All of the outstanding capital stock or other ownership interests
     of each Borrower has been validly issued and is fully paid and
     nonassessable. MTI owns directly or indirectly all of the outstanding
     capital stock of the other Borrowers, free and clear of all liens, claims
     or encumbrances. No Borrower has any Subsidiaries except for those Persons
     shown on Schedule 5.12.

SECTION 5.13 MARGIN STOCK; REGULATION U, ETC. No Borrower engages in the
     business of making loans for the purchase of Margin Stock. The Loans will
     not constitute a violation of Regulation G, T, U or X of the Board of
     Governors of the Federal Reserve System. No part of the proceeds of the
     Loans will be used for any purposes which violate or are inconsistent with
     the provisions of any of such regulations.

SECTION 5.14 ENVIRONMENTAL MATTERS. Each Borrower is in possession of and in
     compliance with all required permits and Environmental Laws relating to the
     discharge or release of liquids, gases or solids into the air, water, and
     soil, except for any such permit that, if not obtained, would not
     reasonably be expected to have, either individually or in the aggregate, a
     Material Adverse Effect. No Borrower refines, processes, generates, stores,
     recycles, transports, disposes of, or releases into the environment any
     "hazardous substance" as that term is defined under Section 101(14) of
     CERCLA or any hazardous or toxic substances as those terms are defined by
     the provisions of any state or local environmental statute or regulation,
     except to the extent such Borrower does so in material compliance with all
     applicable Environmental Laws. No Borrower has received: (A) written or, to
     its knowledge, oral notice from any governmental agency that it is a
     potentially responsible party in any proceeding under CERCLA or any similar
     state or local environmental statute or regulation, or (B) any written or,
     to its knowledge oral, notice of violation, citation, complaint, request
     for information, order, directive, compliance schedule, notice of claim,
     proceeding or litigation from any party concerning such entity's compliance
     with any Environmental Law which is presently outstanding or unresolved,
     except for any notice or other communication relating to any such
     non-compliance or proceeding that could not reasonably be expected to have,
     either individually or in the aggregate, a Material Adverse Effect.

SECTION 5.15 DEBT AND GUARANTEES. Except as set forth in Schedule 5.15 hereto,
     no Borrower has guaranteed the payment or performance of the debts or
     obligations of any other Person except for the guaranty of checks or other
     documents for collection in the ordinary course of business or as disclosed
     pursuant to Section 5.16 hereof.

SECTION 5.16 CREDIT ARRANGEMENTS. There are no credit agreements, indentures,
     securities, purchase agreements, guaranties, capital leases, and other
     investments, agreements and arrangements presently in effect providing for
     or relating to extensions of credit for Funded Debt (including agreements
     and arrangements for the issuance of any letters of credit or for
     acceptance financing) in respect of which any Borrower is in any manner
     directly or contingently obligated, excluding therefrom any single
     agreement relating to the purchase of the machinery, equipment, goods and
     supplies made in the ordinary course of business of less than Two Hundred
     Fifty Thousand ($250,000); and the maximum principal or face amount of the
     credit in question as of the date hereof is therein correctly stated.

SECTION 5.17 LICENSES, PERMITS, ETC. Each Borrower is in possession of and
     operating in compliance with all franchises, grants, authorizations,
     licenses, permits, easements, consents, certificates and orders required
     for the conduct of its business now conducted, and all of them are valid
     and in full force and effect, except to the extent the failure to possess
     or be in compliance with any of the foregoing, or for any of the foregoing
     not to be valid and in full force and effect, could not reasonably be
     expected to have, either individually or in the aggregate, a Material
     Adverse Effect.

                                       29

<PAGE>

SECTION 5.18 COMPLIANCE WITH LAWS. Each Borrower is in compliance with all laws,
     rules, regulations, and orders of all Federal, state and governmental
     agencies and courts (domestic and foreign) which are applicable to it, to
     the conduct of its business, or to the ownership and use of its properties,
     except for any such non-compliances that could not reasonably be expected
     to have, either individually or in the aggregate, a Material Adverse
     Effect.

SECTION 5.19 LABOR MATTERS. There are no existing, or to the best of the
     Borrowers' knowledge threatened or contemplated, strikes, slowdowns,
     picketing or work stoppages by any employees against any Borrower, any
     lockouts by any Borrower of any of its employees or any other occurrence,
     event or condition of a similar character affecting or which may affect any
     Borrower that could reasonably be expected to have a Material Adverse
     Effect.

SECTION 5.20 OUTSTANDING JUDGMENTS OR ORDERS. Each Borrower has satisfied all
     judgments against it that could reasonably be expected to have a Material
     Adverse Effect and no Borrower is in default with respect to any judgment,
     writ, injunction, decree, material rule or regulation of any court,
     arbitrator or commission, board bureau, agency or instrumentality, domestic
     or foreign that could reasonably be expected to have a Material Adverse
     Effect.

SECTION 5.21 NO DEFAULTS ON OTHER AGREEMENTS. No Borrower is in default in the
     performance, observance or fulfillment of any of the obligations, covenants
     or conditions contained in any agreement or instrument to which it is a
     party, except for any such default that could not reasonably be expected to
     have a Material Adverse Effect.

SECTION 5.22 PUBLIC UTILITY HOLDING COMPANY ACT. No Borrower is a public utility
     holding company within the meaning of the Public Utility Holding Company
     Act of 1935, as amended.

SECTION 5.23 PATENTS. Each Borrower's trademarks, servicemarks and patents
     needed for its operations are valid and enforceable on the date hereof.

SECTION 5.24 YEAR 2000 COMPLIANCE.

     (A)  All material computer software (owned or leased) of MTI and its
          Subsidiaries is and shall remain "Year 2000 Compliant" (as hereinafter
          defined).

     (B)  For purposes of this Agreement, "Year 2000 Compliant" shall mean (i)
          all such software shall operate without errors in the recognition,
          calculation and processing of date data relating to century
          recognition, leap years, single and multi-century formulae, date
          values and interfaces of date-related functionalities; (ii) all date
          processing shall be conducted in a four-digit year format and all date
          sorting that includes a "year field" or "year category" shall be based
          upon a four-digit year format; and (iii) any date arithmetic programs
          or calculators in the software shall operate in accordance with the
          related user documentation in the Year 2000, and the years following,
          without degrading functionality or performance.

SECTION 5.25 FULL DISCLOSURE. No representation or warranty by any Borrower in
     this Agreement and no information in any statement, certificate, schedule
     or other document furnished or to be furnished to the Agent or any Bank
     pursuant hereto, contains or will contain any untrue statement of a
     material fact, or omits or will omit to state a material fact necessary to
     make the statements contained herein or therein not misleading. Except as
     disclosed in this Agreement and the Schedules attached hereto, there is no
     fact known to any Borrower which on the date hereof it has not disclosed to
     the Agent or any Bank in writing which has had, or could reasonably be
     expected to have, a Material Adverse Effect.

                                       30

<PAGE>

                                   Article VI
                           COVENANTS OF THE BORROWERS

      So long as any amount due Agent or any Bank hereunder remains outstanding,
or any Bank shall have any Commitment hereunder, unless the Agent and each Bank
shall otherwise consent in writing, each Borrower agrees that:

SECTION 6.1 FINANCIAL STATEMENTS.

     (A)  The Borrowers will furnish to the Agent not later than ninety (90)
          days after the end of each year, Financial Statements as of and for
          the twelve (12) months ending the last day of such year, the
          Consolidated statements therein contained to be audited and
          unqualifiedly certified by Coopers & Lybrand or other independent
          certified public accountants of nationally recognized standing or
          otherwise reasonably satisfactory to the Bank.

     (B)  In addition, the Borrowers will furnish to the Agent, within 45 days
          of the close of each fiscal quarter other than the last fiscal quarter
          of each fiscal year, Interim Financial Statements for such fiscal
          quarter and for the portion of the fiscal year then ended.

     (C)  With all Financial Statements and Interim Financial Statements, the
          Borrowers will provide to the Agent a certificate of the chief
          financial officer of MTI, which certificate shall state that such
          Financial Statements or Interim Financial Statements are complete and
          correct in all material respects and prepared in accordance with GAAP,
          subject only to usual year-end adjustments and the absence of
          footnotes in the case of Interim Financial Statements. The Borrowers
          shall furnish to the Agent together with all Financial Statements and
          Interim Financial Statements, a certificate executed by the chief
          financial officer of MTI, which certificate shall include all
          calculations (in reasonable detail) necessary to determine compliance
          with Sections 6.24, 6.25, 6.26, and 6.27 (as appropriate for each
          Financial Statement or Interim Financial Statement), which shall state
          that the signer has reviewed the terms of this Agreement and has made,
          or caused to be made under his supervision, a review in reasonable
          detail of the transactions and condition of the Borrowers during the
          accounting period covered by such Financial Statements or Interim
          Financial Statements and that such review has not disclosed the
          existence during or at the end of such accounting period, and does not
          have knowledge of the existence as at the date of the certificate, of
          any condition or event which constitutes an Event of Default or
          Unmatured Event of Default or if any such condition or event existed
          or exists, specifying the nature and period of existence thereof and
          what action(s) the Borrowers have taken, are taking and propose to
          take with respect thereto. A compliance certificate substantially in
          the form of Exhibit 6.1 hereto executed by the chief financial officer
          of MTI shall be delivered to the Agent at the same time as all
          Financial Statements and Interim Financial Statements are delivered
          hereunder.

     (D)  Promptly upon receipt thereof, the Borrowers shall deliver to the
          Agent copies of any management letters or other reports submitted to
          the Borrowers by independent certified public accountants in
          connection with the examination of the Financial Statements.

SECTION 6.2 INSURANCE. Each Borrower will maintain insurance with financially
     sound and reputable insurance companies or associations in such amounts and
     covering such risks as are usually carried by companies engaged in similar
     businesses and owning similar properties in the same general areas in which
     such Borrower operates or owns such properties. The Agent shall be named as
     mortgagee/loss payee pursuant to an endorsement to such policies, but,
     until the occurrence of an Unmatured Event of Default or Event of Default,
     the Agent shall promptly endorse and/or return any proceeds of insurance to
     the Borrower Agent.

                                       31

<PAGE>

SECTION 6.3 TAXES. Each Borrower will pay all taxes, assessments and charges
     imposed upon it or its property or that it is required to withhold and pay
     over when due, except where such taxes, assessments and charges are
     contested in good faith and where adequate reserves have been set aside in
     accordance with GAAP, or where the failure to pay such taxes, assessments
     or charges when due could not reasonably be expected to cause, individually
     or in the aggregate, a Material Adverse Effect.

SECTION 6.4 ENCUMBRANCES.

     (A)  No Borrower will create, incur, assume or suffer to exist any
          mortgage, pledge, lien, security interest or other encumbrance of any
          kind ("Lien") upon or in, any of its property or assets, including,
          without limitation, patents, trademarks, copyrights or any other
          general intangible except for (1) liens for taxes not yet delinquent
          or being contested in good faith and by appropriate proceedings, (2)
          liens solely securing the performance of bids, tender contracts,
          surety and appeal bonds, or similar obligations, arising in the
          ordinary course of business, provided that the Borrowers remain in
          compliance with the terms of such obligations, (3) liens in connection
          with workmen's or worker's compensation, unemployment insurance or
          other social security obligations, (4) mechanic's, materialman's,
          landlord's, carrier's, or other similar liens arising in the ordinary
          course of business with respect to obligations that are not due, or
          which are being contested diligently, in good faith and by appropriate
          proceedings, provided that (a) such proceedings have the effect of
          staying execution on such liens, and (b) adequate reserves have been
          set aside or the obligation being contested has been bonded against,
          (5) the encumbrances disclosed pursuant to Section 5.8 hereof; and (6)
          purchase money liens on any asset hereinafter acquired including the
          assumption of any such lien on assets existing at the time of such
          acquisition or at the time of acquisition of the owner of such assets,
          any lien incurred in connection with any conditional sale or other
          title retention agreement, a capital lease, or construction loans or
          permanent financing for new construction; provided that (a) any
          property subject to any of the foregoing is acquired by a Borrower in
          the ordinary course of its business and the lien on any such property
          is created contemporaneously with such acquisition or in accordance
          with the construction financing or permanent financing of a newly
          constructed facility or is assumed in connection with such
          acquisition; (b) the obligation secured by any lien so created,
          assumed or existing shall not exceed one hundred percent (100%) of the
          lesser of cost or fair market value as of the time of acquisition of
          the property covered thereby to the Borrower acquiring the same; (c)
          each such lien shall attach only to the asset so acquired and fixed
          improvements thereon; and (d) the obligation so secured shall not
          exceed in any case Five Hundred Thousand Dollars ($500,000) or in the
          aggregate Two and one-half Million Dollars ($2,500,000) at any one
          time outstanding.

     (B)  No Borrower will agree with any Person to restrict its ability to
          grant mortgages, pledges, liens, or other encumbrances upon, or
          security interests in, any of its property or assets to the Agent
          and/or the Banks.

     (C)  No Lien on any asset or property of any Borrower shall be of equal or
          higher priority than the Liens of the Agent hereunder, except Liens
          expressly permitted under Section 6.4(A) (6) above and except to the
          extent that Liens expressly permitted under Section 6.4(A)(1) - (5)
          may be granted statutory priority irrespective of the chronological
          order of perfection.

SECTION 6.5 COMPLIANCE WITH LAWS. Each Borrower will comply with all laws and
     regulations applicable to it in the operation of its business, except to
     the extent any such non-compliance could not reasonably be expected to
     have, either individually or in the aggregate, a Material Adverse Effect.

SECTION 6.6 INSPECTION BY THE AGENT. Each Borrower will permit representatives
     of the Agent, at the request of any Bank to inspect the property and books
     and records of such Borrower and to make extracts therefrom and to discuss
     the affairs of each Borrower with its officers, directors, employees and
     accountants at all reasonable times during normal business hours and,
     except after the occurrence of an

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     Event of Default, upon reasonable prior notice from the Agent. After the
     occurrence and during the continuance of an Event of Default, the Borrowers
     agree to reimburse the Agent for all reasonable out-of-pocket costs and
     expenses incurred in connection with any such inspection.

SECTION 6.7 REPORTS. The Borrowers will furnish to the Agent:

     (A)  As soon as possible after any Borrower has knowledge of the occurrence
          of any Event of Default or Unmatured Event of Default, a written
          statement by the chief executive or chief financial officer of such
          Borrower on behalf of such Borrower setting forth details of such
          Event of Default or Unmatured Event of Default, stating whether or not
          the same is continuing and, if so, the action(s) that such Borrower
          proposes to take with respect thereto;

     (B)  Immediately after receiving notice thereof, notice in writing of all
          actions, suits and proceedings before any court or governmental
          department, commission, board, bureau, agency or instrumentality,
          domestic or foreign if an adverse result thereof could reasonably be
          expected to have a Material Adverse Effect;

     (C)  As soon as practicable after any Borrower has knowledge of the
          occurrence of a change in the business, properties or the operations
          and condition (financial or otherwise) of such Borrower that such
          Borrower considers could reasonably be expected to have a Material
          Adverse Effect, a statement by such officer setting forth details of
          such change and the action(s) that the Borrowers propose to take with
          respect thereto;

     (D)  Simultaneously with the filing thereof, the Borrowers shall deliver to
          the Agent copies of all notices required by law or regulation to be
          filed, and all reports, registrations and requests for interpretive
          letters or rulings filed, with the Securities and Exchange Commission;

     (E)  Annually, within 90 days after the end of each Fiscal Year of MTI, the
          Borrowers will furnish to the Agent an annual operating budget for MTI
          and its subsidiaries on a Consolidated Basis; and

     (F)  Such other information respecting the business, properties, condition
          and operations (financial or otherwise) of each Borrower as the Agent
          may at any time and from time to time reasonably request be furnished
          to it.

SECTION 6.8 ERISA.

     (A)  Each Borrower and all of its Subsidiaries will comply in all material
          respects with the applicable provisions of ERISA and the Code and the
          regulations thereunder with respect to any Plan except where the
          failure to so comply could not reasonably be expected to have, either
          individually or in the aggregate, a Material Adverse Effect.

     (B)  Each Borrower will cause to be made all contributions required to
          avoid any accumulated funding deficiency (as defined in ss.412(a) of
          the Code and the regulations thereunder and ss.302(a) of ERISA) with
          respect to any pension plan (as defined in ss.3(2) of ERISA) which is
          subject to Part 3 of Subtitle B of Title I of ERISA or Section 412 of
          the Code and the regulations thereunder and which is maintained by a
          Borrower or any member of its Controlled Group.

     (C)  As soon as practicable (and in any event within five days) after any
          Borrower has reason to know (1) that any Reportable Event has occurred
          with respect to any Defined Benefit Pension Plan maintained by a
          Borrower or any member of its Controlled Group, (2) that any Defined

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          Benefit Pension Plan maintained by a Borrower or any member of its
          Controlled Group is to be terminated in a "distress termination"
          (within the meaning of ss.4041(c) of ERISA), (3) that the PBGC has
          instituted or will institute proceedings under Title IV of ERISA to
          terminate any Defined Benefit Pension Plan maintained by a Borrower or
          any member of its Controlled Group, (4) that a Borrower has incurred
          Withdrawal Liability from a Multiemployer Plan maintained by it or any
          member of its Controlled Group which is likely to have a Material
          Adverse Effect, or (5) that any Multiemployer Plan to which a Borrower
          or any member of its Controlled Group has made contributions is in
          "reorganization" (within the meaning of ss.4241 of ERISA), such
          Borrower will furnish a statement to the Agent setting forth the
          details of such Reportable Event, distress termination, termination
          proceedings, Withdrawal Liability, or "reorganization" (within the
          meaning of ss.4241 of ERISA), and the action that the Borrowers
          propose to take with respect thereto, together with a copy of any
          notice of such Reportable Event or distress termination given to the
          PBGC, or a copy of any notice of termination proceedings, Withdrawal
          Liability, or Reorganization received by a Borrower or any member of
          its Controlled Group.

     (D)  Each Borrower will furnish to the Agent as soon as possible after
          receipt thereof a copy of any notice that a Borrower or any member of
          its Controlled Group receives from the PBGC, the Internal Revenue
          Service, the Department of Labor, any other governmental entity or
          from the sponsor of any Multiemployer Plan that sets forth or proposes
          any action to be taken or determination made by the PBGC, the Internal
          Revenue Service, the Department of Labor, any other governmental
          entity or the sponsor of any Multiemployer Plan with respect to any
          Plan or Multiemployer Plan, which is likely to have a Material Adverse
          Effect.

     (E)  Each Borrower will promptly notify the Agent of any material taxes,
          penalties, interest charges and other financial obligations that have
          been assessed or otherwise imposed, or that such Borrower has reason
          to believe may be assessed or otherwise imposed, against any Borrower
          or any member of its Controlled Group by the Internal Revenue Service,
          the PBGC, the Department of Labor or any other governmental entity
          with respect to any Plan or Multiemployer Plan, that is likely to have
          a Material Adverse Effect.

     (F)  Each Borrower will promptly notify the Agent of the adoption of any
          Plan or any obligation to contribute to any Multiemployer Plan by any
          Borrower or any member of its Controlled Group if the potential
          liability thereunder is likely to have a Material Adverse Effect.

     (G)  No Borrower will withdraw, or permit any member of its Controlled
          Group to withdraw, from any Multiemployer Plan to which any of them
          now or hereafter contribute if the Withdrawal Liability which would
          thereupon be incurred and the payments thereupon required over the
          time period required could have a Material Adverse Effect.

     (H)  No Borrower will fail to make required minimum contributions, or
          permit any member of its Controlled Group to fail to make required
          minimum contributions with respect to a Defined Benefit Pension Plan,
          resulting in a lien (as provided in the Code or ss.302(f) of ERISA)
          against any Borrower or any member of its Controlled Group.

     (I)  No Borrower will permit the adoption of a plan amendment which results
          in significant underfunding (as defined in ss.307 of ERISA) of a
          Defined Benefit Pension Plan which requires such Borrower or any
          member of its Controlled Group to provide security.

     (J)  Without the written consent of the Agent, Borrower will not acquire or
          permit the acquisition by any other member of its Controlled Group of
          any trade or business which maintains a Defined Benefit Plan (1) with
          any "amount of unfunded benefit liabilities" (as defined in
          ss.4001(a)(18) of ERISA) if the potential liability from the
          termination of such Plan is likely to have a Material Adverse

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          Effect, or (2) with any "accumulated funding deficiency" (as defined
          in ss.412(a) of the Code), whether or not waived.

SECTION 6.9 ENVIRONMENTAL MATTERS.

     (A)  Each Borrower will obtain and comply with all required permits,
          licenses, registrations, and approvals relating to the discharge or
          release of liquids, gases or solids into the environment; and to the
          extent that such are applicable to the operation of its business, each
          Borrower will comply with all laws, rules, regulations and
          governmental orders and directives relating to the generation,
          treatment, storage, transportation, disposal and release into the
          environment and cleanup of any "hazardous substance" as that term is
          defined under Section 101(14) of CERCLA, or any hazardous or toxic
          substances as defined by the provisions of any state or local
          environmental statute or regulation at all premises owned or operated
          by such Borrower; in each case, to the extent non-compliance therewith
          could reasonably be expected to have, either individually or in the
          aggregate, a Material Adverse Effect.

     (B)  Each Borrower will notify the Agent in writing of the receipt by it of
          (1) any written notice from any governmental agency that it is a
          potentially responsible party in any proceeding under CERCLA or any
          similar state or local environmental statute or regulation, (2) any
          written notice of any claim, proceeding, litigation, order, directive,
          citation, or request for information concerning its compliance with
          the Environmental Laws, (3) written notice of any alleged violation of
          the Environmental Laws, or (4) any information known to it concerning
          any potentially materially adverse environmental condition on, above,
          or beneath its premises, including but not limited to any spilling,
          leaking, discharge, release, or threat of release of any hazardous or
          toxic waste or substance; in each case, to the extent such notice or
          information relates to an event or circumstance that has had, or could
          reasonably be expected to have, a Material Adverse Effect.

SECTION 6.10 CHANGE OF BUSINESS. No Borrower will make any material change in
     the lines of business as conducted by it at the date hereof, meaning no
     Borrower will enter into any new business unrelated to that conducted by it
     at the date hereof.

SECTION 6.11 REGULATION U. No Borrower will: (A) use the proceeds of the Loan to
     purchase or carry any Margin Stock; (B) engage in the business of making
     loans for the purchase of Margin Stock; or (C) purchase or carry Margin
     Stock in a manner that would result in a violation of Regulation G, T, U or
     X of the Board of Governors of the Federal Reserve System.

SECTION 6.12 DISPOSAL OF ASSETS. No Borrower will dispose of any asset except
     for the sale of inventory in the ordinary course of business and the sale
     or other disposition of obsolete or worn-out equipment except where there
     is no Material Adverse Effect.

SECTION 6.13 LOANS, INVESTMENTS, AND CONTINGENT LIABILITIES. No Borrower will
     (A) become liable for the obligation of anyone except by endorsement of
     negotiable instruments for deposit or collection in the usual course of
     business and except for the joint and several obligations of the Borrowers
     hereunder, or (B) make any loan or Investment except for (1) Investments in
     cash or Cash Equivalents, (2) loans or Investments in Borrowers, (3)
     Investments permitted by Section 6.16, provided that to the extent the
     Investment constitutes a Permitted Acquisition of securities, the
     Subsidiary thereby acquired becomes a Borrower hereunder in accordance with
     Section 2.19 hereof, and (4) Investments in Affiliates (other than
     Borrowers) or other Persons in which MTI or its Subsidiaries have an
     interest of not more than $2,500,000 in the aggregate on or prior to the
     date hereof and an additional $2,000,000 in the aggregate thereafter.

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SECTION 6.14 MAINTENANCE OF PROPERTY. Each Borrower will maintain all of its
     property in good condition and repair, ordinary wear and tear excepted, and
     keep all of its patents, trademarks, copyrights, licenses, and permits
     which are of more than nominal value in full force and effect.

SECTION 6.15 TRANSACTIONS WITH AFFILIATES AND SUBSIDIARIES. No Borrower will
     enter into any transaction with any officer, director or shareholder of any
     Borrower or any Affiliate or Subsidiary of any Borrower for less than full
     value or on terms or conditions less favorable to such Borrower in any
     material respect than could be obtained in an arm's length transaction with
     a third party.

SECTION 6.16 RESTRICTION ON ACQUISITIONS; MERGER; CORPORATE STRUCTURE.

     (A)  General Prohibition. No Borrower shall create or acquire, or permit a
          Subsidiary to create or acquire, any new Subsidiary, or acquire, or
          permit a Subsidiary to acquire, all or a substantial portion of the
          assets or securities of any other Person, or assume or agree, or
          permit a Subsidiary to assume or agree, to merge or consolidate with
          any Person or discharge the liabilities or obligations of any other
          Person, or agree or permit a Subsidiary to agree to do any of the
          foregoing (any such transaction, an "Acquisition"); except that, so
          long as no Unmatured Default or Event of Default exists or would
          result therefrom:

          (i)  any Borrower may merge with one or more other Borrowers, any
               Borrower may consolidate with one or more other Borrowers or may
               merge or consolidate with one or more Subsidiaries of any
               Borrower, if, in any such case, the resulting or surviving
               corporation (if not already a Borrower) becomes a Borrower,
               provided that if such merger or consolidation involves MTI, MTI
               shall be the resulting or surviving corporation;

          (ii) any Subsidiary of a Borrower may merge or consolidate with one or
               more other Subsidiaries of a Borrower; and

          (iii) any Borrower or Subsidiary of any Borrower may engage in one or
               more Permitted Acquisitions under subsection (B) below.

     (B)  Permitted Acquisitions. For the purposes hereof, an Acquisition shall
          be deemed a "Permitted Acquisition" if:

          (i)  the Banks receive, at least thirty (30) Business Days prior to
               the consummation of such proposed Acquisition, written notice
               thereof and information and documents sufficient to show that the
               Acquisition is a Permitted Acquisition;

          (ii) no Default or Event of Default is in existence at the time of the
               consummation of such Acquisition or would exist after giving
               effect thereto, and MTI shall deliver to the Banks a certificate
               signed by its chief executive officer, its chief financial
               officer or its treasurer stating that such condition precedent
               has been fulfilled;

          (iii) in furtherance and not in limitation of (ii) above, any
               Indebtedness incurred in the Acquisition to the Seller or one of
               its Affiliates does not constitute a Default or Event of Default
               under the requirements of Section 6.26;

          (iv) within five (5) Business Days after such Acquisition, MTI shall
               deliver to the Agent such updated Schedules to this Agreement as
               may be required to make such schedules accurate in light of such
               Acquisition;

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          (v)  any Subsidiary division or business created or acquired as a
               result of such Acquisition shall be in compliance with Section
               6.10 and all other representations and covenants herein, and any
               such Subsidiary shall have become a Borrower under this Agreement
               and under the Notes and the other Loan Documents, the Banks shall
               have received the documents described in Section 2.19 of this
               Agreement with respect to such new Subsidiary and the Agent for
               the benefit of the Banks shall have a perfected security interest
               and mortgage (having first priority, subject only to the
               exceptions permitted under Section 6.4(C) above) in all assets
               and securities acquired by MTI in the Acquisition directly or
               indirectly; and

          (vi) if the total Consideration in any Acquisition is to exceed Five
               Million Dollars ($5,000,000) or if the aggregate amount of
               Consideration with respect to all Acquisitions consummated after
               the Closing Date is to exceed $10,000,000 during any fiscal year
               then, in addition:

               (1)  MTI shall deliver to the Agent a certificate signed by its
                    chief executive officer, its chief financial officer, or its
                    treasurer, including projections incorporating pro forma
                    EBITDA of the Person(s) or business(es) being acquired and
                    the Borrowers, as though such Acquisition had occurred,
                    certifying as to such officer's good faith belief that the
                    financial covenants contained herein will continue to be met
                    for the first four (4) full fiscal quarters following the
                    consummation of such Acquisition, to which shall be attached
                    computations as to such financial covenants in form and
                    substance reasonably satisfactory to the Agent; and

               (2)  The Borrowers shall deliver whatever information and/or
                    document the Agent or any Bank may request, in its sole
                    discretion, regarding the proposed transaction, and the
                    Majority Banks shall determine, in their sole discretion,
                    whether the proposed Acquisition may be consummated.

SECTION 6.17 DIVIDENDS AND DISTRIBUTIONS. No Borrower shall be entitled to make
     or declare dividends upon any of its capital stock or return any capital to
     any of its shareholders (except to a Borrower), or make or declare any
     other payment or distribution to its shareholders (including those relating
     to share repurchases or redemptions) (except to a Borrower) in their
     capacity as such, except that MTI may repurchase its shares of capital
     stock if the aggregate consideration therefor, after the date of this
     Agreement, does not exceed $1,000,000.

SECTION 6.18 OTHER INDEBTEDNESS. No Borrower will incur or otherwise permit to
     exist any Indebtedness, whether as borrower or guarantor, except (A)
     Indebtedness incurred hereunder, (B) Indebtedness listed on Schedule 5.16
     existing as of the date hereof, (C) purchase money Indebtedness permitted
     under Section 6.4(A)(6), and (D) Permitted Seller Debt and Indebtedness
     incurred in accordance with Section 6.16(B)(iii).

SECTION 6.19 LICENSES, PERMITS. Each Borrower will maintain the validity, force
     and effect of, and operate in compliance with, all franchises, grants,
     authorizations, licenses, permits, easements, consents, certificates and
     orders required for the conduct of its businesses, except to the extent
     non-compliance with the foregoing could not reasonably be expected to have,
     either individually or in the aggregate, a Material Adverse Effect.

SECTION 6.20 FISCAL YEAR. Each Borrower shall maintain a fiscal year ending on
     December 31.

SECTION 6.21 BANKING RELATIONSHIPS. The Borrowers shall maintain the Agent as
     their principal bank of deposit and account.

SECTION 6.22 OWNERSHIP OF BORROWERS OTHER THAN MTI. MTI will at all times
     directly or indirectly own 100% of the capital stock of the Borrowers in
     existence on the Closing Date.

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SECTION 6.23 RICO. No Borrower shall engage in any conduct or take or fail to
     take any action which will, or would, under the facts and circumstances
     relative thereto, violate RICO.

SECTION 6.24 MINIMUM NET WORTH. MTI will maintain at the end of each fiscal
     quarter, commencing the fiscal quarter ending December 31, 1999,
     consolidated Net Worth in an amount not less than $29,000,000 plus 50% of
     MTI's cumulative consolidated net income for the fiscal year ending
     December 31, 2000 and each fiscal year thereafter. For purposes of
     determining the required minimum as aforesaid (a) cumulative consolidated
     net income shall include consolidated net income for entire fiscal years
     only and shall be determined by reference to the financial statements
     delivered under Section 6.1, and (b) a consolidated net loss during any
     period shall be deemed to be consolidated net income in the amount of zero.

SECTION 6.25 SENIOR FUNDED DEBT TO EBITDA RATIO. Except as permitted below, the
     Borrowers will not permit the ratio of Senior Funded Debt, determined as of
     the last day (a "Measurement Date") of each period of four consecutive
     fiscal quarters of MTI, to EBITDA for such period to be greater than
     3.50:1.00. Notwithstanding the foregoing, if the Majority Banks so permit
     in writing, in their sole discretion, the Borrowers may permit the ratio of
     Senior Funded Debt to EBITDA to be greater than 3.50:1.00 (but not greater
     than 3.75:1.00) as of the four consecutive Measurement Dates immediately
     following a Permitted Acquisition.

SECTION 6.26 FUNDED DEBT TO EBITDA RATIO. The Borrowers will not permit the
     ratio of Funded Debt, determined as of the last day of each period of four
     consecutive fiscal quarters of MTI, to EBITDA for such period to be greater
     than 5.00:1.00.

SECTION 6.27 FIXED CHARGE COVERAGE RATIO. MTI and its Subsidiaries, on a
     consolidated basis, shall not allow the ratio of EBITDA plus expenses for
     the rental of real or personal property to Fixed Charges, to be less than
     1.1:1.0 for any period of four consecutive fiscal quarters.

                                   Article VII
                                     DEFAULT

SECTION 7.1 EVENTS OF DEFAULT. Each of the following shall be an event of
     default ("Event of Default"):

     (A)  (i) if the Borrowers shall fail to pay when due any principal of the
          Loans or any interest on the Loans, or (ii) if the Borrower shall fail
          to pay any Fee or any other amount owing hereunder within 3 Business
          Days of written notice by facsimile or overnight mail by the Agent to
          the Borrower Agent;

     (B)  if any representation or warranty made or deemed made by any of the
          Borrowers in this Agreement, or in any certificate, agreement,
          instrument, statement or report required hereby or made, or delivered
          or deemed delivered pursuant hereto or in connection herewith, shall
          prove to have been incorrect in any material respect as of the date on
          which it is made, deemed made or reaffirmed;

     (C)  (i) if any Borrower (1) shall fail to pay any Indebtedness in a
          principal amount of $250,000 or greater owing by it, or any interest
          or premium thereon, when due, whether such Indebtedness shall become
          due by scheduled maturity, by required prepayment, by acceleration, by
          demand or otherwise, or (2) shall fail to perform any term, covenant
          or agreement on its part to be performed under any agreement or
          instrument evidencing or securing or relating to any such

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          Indebtedness when required to be performed and such defaults shall
          permit the holder of such Indebtedness to accelerate the repayment of
          such Indebtedness and shall not be cured within any applicable grace
          period; or (ii) there shall occur any material breach or violation of
          any agreement or instrument relating to an Acquisition to which any
          Borrower is bound, or any Borrower shall incur any material cost,
          penalty or obligation under any such agreement or instrument;

     (D)  if any Borrower is adjudicated a bankrupt or insolvent or the
          equivalent under any law or admits in writing its inability generally
          to pay its debts as they mature, or makes an assignment for the
          benefit of its creditors; or if any Borrower shall apply for or
          consent to the appointment of any receiver, trustee, or similar
          officer or the equivalent under any law for such applicant or for all
          or any substantial part of its property; or such receiver, trustee or
          similar officer or the equivalent under any law shall be appointed
          without the application or consent of such party and shall continue
          undischarged or unstayed for a period of 90 days; or if any Borrower
          shall institute (by petition, application, answer, consent or
          otherwise) any bankruptcy, insolvency, reorganization, arrangement,
          readjustment of debt, dissolution, liquidation or similar proceeding
          relating to it under the laws of any jurisdiction; or if any such
          proceeding shall be instituted (by petition, application or otherwise)
          against any Borrower and an order for relief or similar remedy shall
          be entered in such proceeding or such proceeding shall remain
          undismissed for a period of 90 days; or if any Borrower suspends its
          operations or becomes unable to pay its debts as they mature or calls
          a meeting of creditors for the purpose of debt restructuring or
          dissolves or otherwise terminates its existence; provided that, the
          occurrence of any of the foregoing events with respect to any Borrower
          other than MTI, SEH, or Sparks shall not constitute an Event of
          Default if (1) such occurrence does not have a Material Adverse Effect
          on the financial condition or business operations of any of the other
          Borrowers or all of the other Borrowers on a Consolidated basis, (2)
          such occurrence does not materially and adversely effect the
          collateral position of the Banks or the Collateral, (3) no other
          Borrower is consolidated in or otherwise made a party to such
          proceeding, and (4) the aggregate of the revenues and assets of all
          Borrowers with respect to which one or more of such events has
          occurred after the date of this Agreement shall not exceed,
          cumulatively, ten percent (10%) of the total Consolidated revenues and
          assets, respectively, of all Borrowers (the measurement dates for such
          calculation being the date of each such event);

     (E)  if (1) any Reportable Event, or any failure of compliance required by
          Section 6.8 hereof, that creates a reasonable likelihood of the
          termination of any Defined Benefit Pension Plan maintained by any
          Borrower or any member of its Controlled Group, or of the appointment
          by the appropriate United States District Court of a trustee to
          administer any such Plan has occurred and is continuing 30 days after
          written notice to such effect is given to the Borrowers by the Agent
          or any Bank, or (2) any Borrower or any member of its Controlled Group
          withdraws from any Defined Benefit Pension Plan for which it was a
          substantial employer as defined by ss.4001(a)(2) and within the
          meaning of ss.4063(b) of ERISA or from any Multiemployer Plan and the
          liability for such withdrawal exceeds $500,000, or (3) the plan
          administrator of any Defined Benefit Pension Plan maintained by any
          Borrower or any member of its Controlled Group files with the PBGC a
          notice of intention to terminate such Plan in a "distress termination"
          (as defined in ss.4041(c) of ERISA), or (4) the PBGC institutes
          proceedings to terminate any such Plan or to appoint a trustee to
          administer any such Plan, and if, in any of the cases described in the
          foregoing clauses (1) to (4);

     (F)  if the Borrowers shall fail to perform or observe when due any term,
          covenant or agreement contained herein and such failure (other than a
          failure which otherwise constitutes an Event of Default under this
          Section 7.1 or is a violation of Sections 6.24, 6.25, 6.26 or 6.27) is
          not cured within a period of thirty (30) days from the date the
          Borrower Agent first became aware of such failure, whether by written
          notice from the Agent or any Bank or otherwise, or has not been cured
          within a period of five (5) days from the date that the Agent or any
          Bank gives the Borrower Agent notice of such default;

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<PAGE>

     (G)  if there is a Change in Control not approved in advance and in writing
          by the Majority Banks;

     (H)  if any two of the three officers of MTI presently serving in the
          capacities of Chief Executive Officer, Executive Officer or Chief
          Financial Officer shall (a) voluntary resign or (b) shall be
          discharged or otherwise involuntarily cease to serve in such position
          and shall not be replaced within thirty (30) days with a replacement
          reasonably acceptable to the Bank;

     (I)  if a judgment of Five Hundred Thousand Dollars ($500,000) or more is
          entered against any Borrower and is not satisfied or bonded within
          thirty (30) days;

     (J)  this Agreement, any of the Notes, the Subrogation and Contribution
          Agreement or any other material Loan Document executed pursuant hereto
          is found to be unenforceable or its enforceability is contested in any
          way by a Borrower; provided that, the occurrence of any of the
          foregoing events with respect to any Borrower other than MTI, SEH, or
          Sparks shall not constitute an Event of Default if (1) such occurrence
          does not have a Material Adverse Effect on the financial condition or
          business operations of any of the other Borrowers or all of the other
          Borrowers on a Consolidated basis, (2) such occurrence does not
          materially and adversely affect the collateral position of the Banks
          or the Collateral, (3) no other Borrower is consolidated in or
          otherwise made a party to any related proceeding, and (4) the
          aggregate of the revenues and assets of all Borrowers with respect to
          which one or more of such events has occurred after the date of this
          Agreement shall not exceed, cumulatively, ten percent (10%) of the
          total Consolidated revenues and assets, respectively, of all Borrowers
          (the measurement dates for such calculation being the date of each
          such event); or

     (K)  if there shall be a violation or breach under any of Sections 6.24,
          6.25, 6.26 or 6.27.

SECTION 7.2 TERMINATION OF REVOLVING COMMITMENT; ACCELERATION. If any Event of
     Default shall occur and be continuing, the Agent may at its option and
     shall, upon being so directed by the Majority Banks, declare the
     Commitments to be terminated and the outstanding Notes and all interest
     thereon and all other amounts payable under this Agreement to be
     immediately due and payable and require the Borrowers to (and the Borrowers
     shall) immediately and fully collateralize each outstanding Letter of
     Credit with cash deposited with the Agent in the full amount of the
     aggregate outstanding amounts thereof; provided that immediately and
     automatically upon the happening of a Default specified in Section 7.1(D),
     the Commitments shall terminate, the outstanding Notes and all interest
     thereon and all other amounts payable under this Agreement shall be
     immediately due and payable and the aforesaid cash collateralization shall
     be immediately required without declaration or other notice to the
     Borrowers, and the Borrowers shall immediately make all such payments to
     the Agent for the ratable benefit of the Banks. Thereupon, the Agent shall
     notify the Borrowers of the accrual of interest at the Default Rate, and
     the Agent and the Banks shall have all of the rights and remedies available
     under the Loan Documents or otherwise at law or in equity. The Borrowers
     expressly waive any presentment, demand, protest or further notice of any
     kind.

SECTION 7.3 REMEDIES.

     (A)  Upon the occurrence and during the continuance of any one or more
          Events of Default, the Agent for the account of the Banks may proceed
          to protect and enforce its rights under this Agreement, the Notes
          and/or any other document executed pursuant hereto by exercising such
          remedies as are available to the Agent or any Bank in respect thereof
          under applicable law, either by suit in equity or by action at law, or
          both, whether for specific performance of any provision contained in

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<PAGE>

          this Agreement, the Notes or the other Loan Documents or in aid of the
          exercise of any power granted in this Agreement, the Notes or the
          other Loan Documents.

     (B)  Upon the occurrence and during the continuance of any one or more
          Events of Default, the Agent for the account of the Banks, in addition
          to all the other rights and remedies herein contained, shall be
          entitled to exercise any and all rights available to it in law or
          equity.

                                  Article VIII
                                AGENCY PROVISIONS

SECTION 8.1 AUTHORIZATION AND ACTION. Each Bank hereby irrevocably appoints and
     authorizes the Agent to take such action as agent on its behalf and to
     exercise such powers under this Agreement and the other Loan Documents as
     are delegated to the Agent by the terms hereof, together with such powers
     as are reasonably incidental thereto. The duties of the Agent shall be
     mechanical and administrative in nature and the Agent shall not by reason
     of this Agreement be a trustee or fiduciary for any Bank. The Agent shall
     have no duties or responsibilities except those expressly set forth in the
     Loan Documents. As to any matters not expressly provided for by this
     Agreement or the other Loan Documents (including, without limitation,
     enforcement or collection of the Notes), the Agent shall not be required to
     exercise any discretion or take any action, but shall be required to act or
     to refrain from acting (and shall be fully protected in so acting or
     refraining from acting) upon the instructions of the Majority Banks, and
     such instructions shall be binding upon all Banks and all holders of Notes;
     provided, however, that the Agent shall not be required to take any action
     which exposes the Agent to personal liability or which is contrary to this
     Agreement or the other Loan Documents or applicable law. Whenever the Agent
     shall receive any notice, financial information or other written material
     from any Borrower relating to or in connection with any of the Loan
     Documents, any such oral notification of a material nature shall be
     promptly relayed to the Banks, and copies of any such written notice,
     information or other material shall be promptly provided to the Banks.

SECTION 8.2 LIABILITY OF AGENT. Neither the Agent nor any of its directors,
     officers, agents or employees shall be liable to any Bank for any action
     taken or omitted to be taken by it or them under or in connection with any
     Loan Documents in the absence of its or their own gross negligence or
     willful misconduct. Without limitation of the generality of the foregoing,
     the Agent (a) may treat the payee of any Note as the holder thereof until
     the Agent receives written notice of the assignment or transfer thereof
     signed by such payee and in form satisfactory to the Agent; (b) may consult
     with legal counsel (including counsel for the Borrowers), independent
     public accountants and other experts selected by it and shall not be liable
     for any action taken or omitted to be taken in good faith by it in
     accordance with the advice of such counsel, accountants or experts; (c)
     makes no warranty or representation to any Bank and shall not be
     responsible to any Bank for any statements, warranties or representations
     made in or in connection with any Loan Document; (d) shall not have any
     duty to ascertain or to inquire as to the performance or observance of any
     of the terms, covenants or conditions of any Loan Document on the part of
     the Borrowers or any other Person or to inspect the property (including the
     books and records) of the Borrowers; (e) shall not be responsible to any
     Bank for the due execution, legality, validity, enforceability,
     genuineness, perfection, sufficiency or value of any of the Loan Documents
     or any other instrument or document furnished pursuant thereto; and (f)
     shall incur no liability under or in respect of any Loan Document by acting
     upon any notice, consent, certificate or other instrument or writing (which
     may be by telegram, cable or telex) believed by it to be genuine and signed
     or sent by the proper party or parties.

SECTION 8.3 RIGHTS OF AGENT AS A BANK. With respect to its Commitment, the Loans
     made by it and the Note issued to it, the Agent shall have the same rights
     and powers under the Loan Documents as any other Bank and may exercise the
     same as though it were not the Agent; and the term "Bank" or

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<PAGE>

     "Banks" shall, unless otherwise expressly indicated, include the Agent in
     its individual capacity. The Agent, each Bank and their respective
     Affiliates may accept deposits from, lend money to, act as trustee under
     indentures of, and generally engage in any kind of business with, any
     Borrower, any of the Subsidiaries and any Person who may do business with
     or own securities of any Borrower or any Subsidiary, all as if the Agent
     were not the Agent and without any duty on the part of the Agent or any
     Bank to account therefor to the Banks or the Agent as the case may be.

SECTION 8.4 INDEPENDENT CREDIT DECISIONS. Each Bank acknowledges that it has,
     independently and without reliance upon the Agent or any other Bank and
     based on such documents and information as it has deemed appropriate, made
     its own credit analysis and decision to enter into this Agreement. Each
     Bank also acknowledges that it will, independently and without reliance
     upon the Agent or any other Bank 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 the Loan
     Documents. Except for notices, reports and other documents and information
     expressly required to be furnished to the Banks by the Agent under the
     terms of any of the Loan Documents, the Agent shall have no duty or
     responsibility to provide any Bank with any credit or other information
     concerning the affairs, financial condition or business of any Borrower or
     any Subsidiary (or any of their Affiliates) which may come into the
     possession of the Agent or any of its Affiliates.

SECTION 8.5 INDEMNIFICATION. The Banks agree to indemnify the Agent (to the
     extent not reimbursed by the Borrowers), ratably according to the
     respective amounts of their Commitments, from and against any and all
     liabilities, obligations, losses, damages, penalties, actions, judgments,
     suits, costs, expenses or disbursements of any kind or nature whatsoever
     which may be imposed on, incurred by, or asserted against the Agent in any
     way relating to or arising out of any of the Loan Documents or any action
     taken or omitted by the Agent under any of the Loan Documents, provided
     that no Bank shall be liable for any portion of any of the foregoing
     resulting from the Agent's gross negligence or willful misconduct. Without
     limitation of the foregoing, each Bank agrees to reimburse the Agent (to
     the extent not reimbursed by the Borrowers) promptly upon demand for its
     ratable share of any out-of-pocket expenses (including counsel fees)
     incurred by the Agent in connection with the preparation, administration,
     or enforcement of, or legal advice in respect of rights or responsibilities
     under, any of the Loan Documents. The Agent shall confer with the Banks
     prior to retaining outside counsel in connection with this Agreement and
     shall not retain counsel with whom any Bank demonstrates an actual or
     potential conflict of interest of a material nature without such Bank's
     written consent.

SECTION 8.6 SUCCESSOR AGENT. The Agent may resign at any time by giving at least
     30 days prior written notice thereof to the Banks and the Borrowers and may
     be removed at any time with or without cause by the Majority Banks. Upon
     any such resignation or removal, the Borrowers shall have the right, with
     the approval of the Banks, to appoint a successor Agent. If no successor
     Agent shall have been so appointed and accepted such appointment, within 21
     days after the retiring Agent's giving of notice of resignation or the
     Majority Banks' removal of the retiring Agent, then the retiring Agent may,
     on behalf of the Banks, appoint a successor Agent, which shall be a
     commercial bank organized under the laws of the United States of America or
     of any State thereof and having a combined capital and surplus of at least
     $500 million. Upon the acceptance of any appointment as Agent hereunder by
     a successor Agent, such successor Agent shall thereupon succeed to and
     become vested with all the rights, powers, privileges and duties of the
     retiring Agent, and the retiring Agent shall be discharged from its duties
     and obligations under this Agreement. After any retiring Agent's
     resignation or removal hereunder as Agent, the provisions of this Article
     shall inure to its benefit as to any actions taken or omitted to be taken
     by it while it was Agent under any of the Loan Documents.

SECTION 8.7 SHARING OF PAYMENTS, ETC. If any Bank shall obtain any payment
     (whether voluntary, involuntary, through the exercise of any right of
     set-off, or otherwise) on account of the Notes or other obligations of
     Borrowers held by all the Banks, such Bank shall purchase from the other

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<PAGE>

     Banks such participations in the Notes or other obligations held by them as
     shall be necessary to cause such purchasing Bank to share the excess
     payment ratably with each of them, provided, however, that if all or any
     portion of such excess payment is thereafter recovered from such purchasing
     Bank, such purchase from each Bank shall be rescinded and each Bank shall
     repay to the purchasing Bank the purchase price to the extent of such
     recovery together with an amount equal to such Bank's ratable share
     (according to the proportion of (a) the amount of such Bank's required
     repayment to (b) the total amount so recovered from the purchasing Bank) of
     any interest or other amount paid or payable by the purchasing Bank in
     respect of the total amount so recovered. The Borrowers agree that any Bank
     so purchasing a participation from another Bank pursuant to this Section
     may, to the fullest extent permitted by law, exercise all its rights of
     payment (including the right of set-off) with respect to such participation
     as fully as if such Bank were the direct creditor of the Borrowers in the
     amount of such participation
 .

                                   Article IX
                                  MISCELLANEOUS

SECTION 9.1 NO WAIVER; CUMULATIVE REMEDIES. No failure or delay on the part of
     the Agent for the account of the Banks in exercising any right, power or
     remedy hereunder shall operate as a waiver thereof; nor shall any single or
     partial exercise of any such right, power or remedy preclude any other or
     further exercise thereof or the exercise of any other right, power or
     remedy hereunder. No waiver of any right, power, remedy, privilege or
     prerogative of the Agent or any Bank hereunder shall be effective unless
     the same shall be in writing and signed by the Agent or applicable (as the
     case may be) Bank. The remedies herein provided are cumulative and not
     exclusive of any remedies provided by law.

SECTION 9.2 ARBITRATION.

     (A)  Upon demand of any party hereto, whether made before or after
          institution of any judicial proceeding, any claim or controversy
          arising out of, or relating to the Loan Documents between the parties
          (a "Dispute") hereto shall be resolved by binding arbitration
          conducted under and governed by the Commercial Financial Disputes
          Arbitration Rules (the "Arbitration Rules") and, where applicable, the
          Supplementary Rules for Large Complex Disputes, of the American
          Arbitration Association (the "AAA") and the Federal Arbitration Act.
          Disputes may include, without limitation, tort claims, counterclaims,
          a dispute as to whether a matter is subject to arbitration, claims
          brought as class actions, or claims arising from documents executed in
          the future. A judgment upon the award may be entered in any court
          having jurisdiction. Notwithstanding the foregoing, this arbitration
          provision does not apply to disputes under or related to swap
          agreements.

     (B)  All arbitration hearings shall be conducted in the city of
          Philadelphia, Commonwealth of Pennsylvania unless otherwise agreed by
          all parties to such arbitration. A hearing shall begin within 90 days
          of demand for arbitration and all hearings shall conclude within 120
          days of demand for arbitration. These time limitations may not be
          extended unless a party shows cause for extension and then for no more
          than a total of 60 days. At the administrative conference conducted by
          the AAA, the parties and the AAA shall determine how to ensure that
          the hearing is started and completed on sequential hearing days.
          Potential arbitrators shall be informed of the anticipated length of
          the hearing and they shall not be subject to appointment unless they
          agree to abide by the parties' intent that, absent exigent
          circumstances, the hearing be conducted on sequential days. The
          expedited procedures set forth in Rule 51 et seq. of the Arbitration
          Rules shall be applicable to claims of less than $1,000,000.00.
          Arbitrators shall be licensed attorneys selected from the Commercial
          Financial Dispute Arbitration Panel of the AAA. The parties do not
          waive applicable Federal or state substantive law except as provided
          herein. The award of the arbitrator(s) shall be accompanied by a
          statement of the reasons upon which such award is based.

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<PAGE>

     (C)  In any arbitration hereunder, the arbitrator shall decide (by
          documents only or with a hearing, at the arbitrators' discretion) any
          pre-hearing motions which are substantially similar to pre-hearing
          motions to dismiss for failure to state a claim or motions for summary
          adjudication.

     (D)  Discovery shall be limited to the prehearing exchange of all documents
          which each party intends to introduce at the hearing and any expert
          reports prepared by an expert who will testify at the hearing.

     (E)  Notwithstanding the preceding binding arbitration provisions, the
          parties agree to preserve, without diminution, certain remedies that
          any party may exercise before or after an arbitration proceeding is
          brought. The parties shall have the right to proceed in any court of
          proper jurisdiction or by self-help to exercise or prosecute the
          following remedies, as applicable: (i) all rights to foreclose against
          any real or personal property or other security by exercising a power
          of sale or under applicable law by judicial foreclosure including a
          proceeding to confirm the sales; (ii) all rights of self-help
          including peaceful occupation of real property and collection of
          rents, set-off, and peaceful possession of personal property; (iii)
          obtaining provisional or ancillary remedies including injunctive
          relief, sequestration, garnishment, attachment, appointment of
          receiver and filing of involuntary bankruptcy proceedings; and (iv)
          when applicable, a judgment by confession of judgment. Any claim or
          controversy with regard to any party's entitlement to such remedies is
          a Dispute.

     (F)  The parties agree that they shall not have a remedy of punitive,
          exemplary, special or consequential damages against other parties in
          any Dispute and hereby waive any right or claim to punitive,
          exemplary, special or consequential damages they have now or which may
          arise in the future in connection with any Dispute whether the Dispute
          is resolved by arbitration or judicially.

SECTION 9.3 WARRANT OF ATTORNEY. EACH BORROWER HEREBY IRREVOCABLY AUTHORIZES AND
     EMPOWERS ANY ATTORNEY OR ATTORNEYS OR THE PROTHONOTARY OR CLERK OF ANY
     COURT OF RECORD IN THE COMMONWEALTH OF PENNSYLVANIA OR ELSEWHERE AT ANY
     TIME AFTER AN EVENT OF DEFAULT HEREUNDER TO APPEAR FOR AND CONFESS JUDGMENT
     AGAINST ANY AND ALL BORROWERS FOR THE UNPAID PRINCIPAL BALANCE OF THE NOTES
     TOGETHER WITH ANY CHARGES DUE HEREUNDER OR THEREUNDER, ALL INTEREST ACCRUED
     THEREON, AND ALL OTHER SUMS DUE HEREUNDER OR THEREUNDER, TOGETHER WITH
     REASONABLE ATTORNEYS FEES AND ALL COSTS OF SUIT OR OTHER EXPENSES INCURRED.
     IF A COPY OF THIS WARRANT OF ATTORNEY, VERIFIED BY AFFIDAVIT SHALL BE FILED
     IN ANY PROCEEDING, IT SHALL NOT BE NECESSARY TO FILE THE ORIGINAL COPY OF
     THIS AGREEMENT AS WARRANT OF ATTORNEY.

SECTION 9.4 SET-OFF. Upon an Event of Default, the Agent and each Bank shall
     have a right of set-off against all property of each Borrower now or at any
     time in the possession of the Agent or such Bank in any capacity whatever,
     including, but not limited to, any such Borrower's interest in any deposit
     account.

SECTION 9.5 AMENDMENTS, ETC. No amendment, modification, termination, or waiver
     of any provision of any Loan Document to which any Borrower is a party, nor
     consent to any departure by any Borrower from any Loan Document to which it
     is a party, shall in any event be effective unless the same shall be in
     writing and signed by the Majority Banks, and then such waiver or consent
     shall be effective only in the specific instance and for the specific
     purpose for which given, provided, however, that no amendment, waiver or
     consent, shall, unless in writing and signed by all Banks, do any of the
     following: (a) waive any of the conditions precedent specified in Article
     IV; (b) increase the Revolving Credit Commitments of the Banks or subject
     the Banks to any additional obligations; (c) reduce the principal of, or
     interest on, the Notes or any fees hereunder; (d) postpone any date fixed
     for any payment of

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<PAGE>

     principal of, or interest on, the Notes or any fees hereunder; (e) change
     the percentage of the Revolving Credit Commitments or of the aggregate
     unpaid principal amount of the Notes which shall be required for the Banks
     or any of them to take any action hereunder; (f) release any Borrower from
     its obligations hereunder; or (g) amend, waive or modify this Section or
     the definition of "Majority Banks," provided that, no amendment, waiver or
     consent shall, unless in writing and signed by the Agent in addition to the
     Banks required above to take such action, affect the rights or duties of
     the Agent under any of the Loan Documents.

SECTION 9.6 NOTICES. Unless this Agreement specifically provides otherwise, all
     notices, requests, demands and other communications that this Agreement
     requires or permits the Borrowers to give to the Agent or Banks or the
     Agent or any Bank to give to the Borrowers shall be in writing (including
     telecopy) and shall be given to the Agent, the Bank(s) or the Borrower
     Agent, as the case may be, at their respective address or telecopy number
     specified on the signature pages of this Agreement or at such other address
     or telecopy number as shall be designated by such party in a notice to each
     other complying with the terms of this Section. Unless this Agreement
     specifically provides otherwise, all notices, requests, demands and other
     communications provided for hereunder shall be effective (A) if given by
     mail, three days after placing in the United States mail, postage prepaid,
     certified mail, return receipt requested, (B) if given by telecopy, when
     such telecopy is transmitted to the aforesaid telecopy number and the
     appropriate confirmation of receipt is received by the sender or (C) if
     given by any other means, when delivered to the carrier with postage
     prepaid to the aforesaid address(es); provided, however, that notices from
     the Borrower Agent to the Agent pursuant to any of the provisions of
     Article II hereof shall not be effective until received by the Agent. The
     Agent and each Bank shall be entitled to rely on any notice, oral or
     written, received by it from the Borrower Agent as if such notice were
     delivered by all of the Borrowers. Although the Borrower Agent is obligated
     to follow any telephonic notice made to select an Interest Rate and/or
     Interest Period with written confirmation, the Agent shall be entitled to
     rely on such telephonic notice whether or not the Borrower Agent thereafter
     confirms in writing, as if the Borrower Agent did, in fact, confirm in
     writing.

SECTION 9.7 NATURE OF OBLIGATIONS.

     (A)  Nothing contained in this Agreement, and no action taken by the Agent
          or any Bank pursuant hereto, shall be deemed to create a partnership,
          association, joint venture or other entity with the Borrowers. The
          obligations of each Borrower under this Agreement and the Notes are
          joint and several.

     (B)  The joint and several obligations of each Borrower hereunder shall be
          absolute and unconditional irrespective of: (i) any lack of validity
          or enforceability of the Agreement or the Notes against any other
          Borrower; (ii) any change in the time, manner or place of payment of,
          or in any other term in respect of, all or any of the obligations of
          any other Borrower hereunder, or any other amendment or waiver of or
          consent to any departure from any provision of this Agreement or the
          Notes with respect to any other Borrower; or (iii) any other
          circumstance which might otherwise constitute a defense available to,
          or a discharge of, any Borrower in respect of the obligations of the
          Borrowers hereunder.

     (C)  Each Borrower hereby irrevocably agrees for the benefit of the Agent
          and the Banks and the other Borrowers that it will not exercise any
          rights which it may have or acquire against such other Borrower by way
          of subrogation or otherwise arising from payments under this Agreement
          or the Notes; until all amounts due to the Bank hereunder and under
          the Notes are paid in full and the Revolving Credit Commitment
          terminates or expires and no Letter of Credit Liabilities shall be
          outstanding or otherwise exist.

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<PAGE>

SECTION 9.8 COSTS AND EXPENSES. The Borrowers agree to pay on demand (A) all
     reasonable, out-of-pocket costs and expenses of the Agent in connection
     with the preparation, negotiation, printing, execution and delivery of this
     Agreement, the Notes and the other documents executed pursuant hereto
     (including and limited to the reasonable fees and out-of-pocket expenses of
     counsel for the Agent, such fees of the Agent's counsel for the first draft
     of this Agreement not to exceed Four Thousand Dollars ($4,000) , (B) all
     reasonable, out-of-pocket costs and expenses of the Agent in connection
     with the amendment, waiver and administration of this Agreement, the Notes
     or any other documents executed pursuant hereto, and (C) all reasonable
     costs and expenses, if any, of the Agent and the Banks in connection with
     the enforcement against the Borrowers of this Agreement, the Notes or any
     other documents executed pursuant hereto (including without limitation the
     reasonable fees and out-of-pocket expenses of counsel with respect thereto
     of the Bank).

SECTION 9.9 COUNTERPARTS. This Agreement and any amendments thereto may be
     executed in any number of counterparts, all of which taken together shall
     constitute one and the same instrument, and any of the parties hereto may
     execute this Agreement by signing any such counterpart.

SECTION 9.10 BINDING EFFECT. This Agreement shall become effective when it has
     been executed by the Borrowers, the Agent and the Banks. It shall
     thereafter be binding upon and inure to the benefit of the Borrowers, the
     Agent and the Banks and their respective successors and assigns except that
     no Borrower shall have the right to assign any of its rights or obligations
     hereunder or any interest herein.

SECTION 9.11 GOVERNING LAW. This Agreement, the Notes and the other documents
     executed pursuant hereto shall be governed in all respects by the law of
     the Commonwealth of Pennsylvania and for all purposes shall be construed in
     accordance with the law of the Commonwealth of Pennsylvania. Subject to
     Section 9.2, the parties acknowledge the non-exclusive jurisdiction of the
     federal and state courts located within Philadelphia County in the
     Commonwealth of Pennsylvania over controversies arising from or relating to
     this Agreement.

SECTION 9.12 HEADINGS. Article and Section headings used in this Agreement are
     for convenience only and shall not affect the construction of this
     Agreement.

SECTION 9.13 USURY. Nothing herein contained, contained in the Notes or
     contained in any other document executed pursuant hereto, nor any
     transaction related hereto or thereto, shall be construed or shall so
     operate either presently or prospectively to require the Borrowers (i) to
     pay interest at a rate greater than is now lawful in such case to contract
     for, but shall require payment of interest only to the extent of such
     lawful rate, or (ii) to make any payment or do any act contrary to law, but
     if any provision herein or therein contained shall otherwise so operate to
     invalidate such document, in whole or in part, then such provision only
     shall be held for naught as though not herein or therein contained and the
     remainder of such document shall remain operative and in full force and
     effect. Any interest paid in excess of the lawful rate shall be refunded to
     the Borrowers. Such refund shall be made by application of the excessive
     amount of interest paid against any sums outstanding under this Agreement
     and shall be applied in such order as the Agent may determine. If the
     excessive amount of interest paid exceeds the sums outstanding hereunder,
     the portion exceeding the said sums outstanding shall be refunded in cash
     by the Banks. Any such crediting or refund shall not cure or waive any
     Unmatured Default or Event of Default by the Borrowers hereunder or under
     the Notes. The Borrowers agree, however, that in determining whether or not
     any interest payable exceeds the highest rate permitted by law, any
     non-principal payment (except payments specifically stated in this
     Agreement to be "interest") shall be deemed, to the extent permitted by
     law, to be an expense, fee, premium, or penalty rather than interest.

                                       46

<PAGE>

SECTION 9.14 ASSIGNMENTS; PARTICIPATIONS. The Borrowers acknowledge and agree
     that any Bank may at any time:

     (A)  assign or transfer any of its rights or obligations under this
          Agreement in a transaction intended solely as a source of funding, to
          a Federal Reserve Bank, without the consent of or notice to MTI or the
          Agent;

     (B)  sell participations in the Loans outstanding hereunder to another
          financial institution (after providing written notice to MTI regarding
          such sale at least five (5) days prior thereto), but in the event of
          any such participation, no party to this Agreement shall have any
          obligations or responsibilities to such participant other than its
          obligations or responsibilities to the seller of such participation,
          and no participation shall relieve any party of its obligations and
          duties hereunder, provided that, any agreement pursuant to which any
          Bank may grant a participation shall not limit such Bank's ability to
          agree to any modification, amendment or waiver of the Loan Documents
          without the consent of the participant except to the extent such
          modification, amendment or waiver would change the amount of the
          Commitments, reduce the principal of or rate of interest on the Loans
          or related fees or postpone the date fixed for any payment of
          principal of or interest on the Loans or related fees;

     (C)  assign all or any portion of its rights under the Loans and its
          Commitment in minimum amounts of $5,000,000 either (A) to an Affiliate
          of such Bank, or (B) with the prior written consent of the Agent,
          which shall not be unreasonably withheld or delayed, together with the
          payment by such Bank to the Agent of a $3,500 transfer fee, and,
          except after the occurrence of an Event of Default, with the prior
          written consent of MTI, which shall not be unreasonably withheld or
          delayed. Promptly upon any such assignment described in (A) or (B)
          above, the assignee shall execute a joinder to this Agreement in form
          satisfactory to the Agent, agreeing to be bound by the terms and
          conditions of this Agreement, and then shall be deemed a Bank for all
          purposes hereunder, and the Borrowers shall execute and deliver new
          Notes and such other documents as may be appropriate to reflect such
          assignment; and

     (D)  share credit information on the Borrowers with prospective and actual
          participants and assignees.

SECTION 9.15 APPOINTMENT OF BORROWER AGENT. Each Borrower hereby irrevocably
     appoints and authorizes MTI to act as its agent hereunder and under the
     Notes with such powers as are specifically delegated to the Borrower Agent
     by the terms of this Agreement and the Notes, including, without
     limitation, the power to receive notice on behalf of all of the Borrowers,
     together with such other powers as are reasonably incidental thereto.

SECTION 9.16 SURVIVAL; INDEMNIFICATION.

     (A)  The obligations of the Borrowers under Sections 2.11, 2.12, 2.17,
          2.18, 9.7 and 9.15 shall survive the repayment of the Loans.

     (B)  If after receipt of any payment of all or any part of the amounts
          outstanding hereunder or under the Notes, the Agent or any Bank is for
          any reason compelled to return such payment to any Person because such
          payment is determined to be void or voidable as a preference, an
          impermissible setoff, or a diversion of trust funds, or for any other
          reason, this Agreement and the Notes shall continue in full force and
          the Borrowers shall be liable, and shall indemnify and hold the Agent
          and each Bank harmless for, the amount of such payment returned and
          any fees and expenses incurred in enforcing this indemnity provision.
          The provisions of this Section shall be and remain effective
          notwithstanding any contrary action which may have been taken by the
          Agent or any Bank in

                                       47

<PAGE>

          reliance upon such payment, and any such contrary action so taken
          shall be without prejudice to the Agent's or any Bank's rights under
          this Agreement and the Notes and shall be deemed to have been
          conditioned upon such payment having become final and irrevocable. The
          provisions of this Section shall survive the termination of the
          Agreement and the Notes.

     (C)  Each Borrower hereby jointly and severally indemnifies and holds
          harmless the Agent, each Bank and all of their affiliates,
          subsidiaries, successors, assigns, officers, directors, attorneys,
          shareholders, employees and agents ("Indemnified Parties") from any
          and all liability, damages, costs, claims, losses, suits, actions,
          legal or administrative proceedings, interest, expenses, reasonable
          attorneys' fees (including any such fees and expenses incurred in
          investigating, evaluating or defending such claims or in enforcing
          this indemnity provision), and reasonable consultants' fees and expert
          witness fees incurred by any of them caused by, relating to, arising
          out of or resulting from or in any way connected with this Agreement
          or the Notes and any transaction contemplated herein or therein,
          exclusive of any of the forgoing resulting from any act or omission
          amounting to willful misconduct or gross negligence by any beneficiary
          of this indemnity.

     (D)  Each Borrower hereby jointly and severally indemnifies, defends and
          holds harmless the Indemnified Parties, from and against any and all
          liability, damages, costs, claims, losses, suits, actions, legal or
          administrative proceedings, interest, expenses, reasonable attorneys'
          fees (including any such fees and expenses incurred in investigating,
          evaluating, or defending such claims or in enforcing this indemnity
          provision), and reasonable consultants' fees and expert witness fees
          incurred by any of them caused by, relating to, arising out of or
          resulting from or in any way connected with (1) any liability or any
          claims relating to the Environmental Laws or the environmental
          condition of the properties; (2) the presence of any hazardous
          substance on, about, beneath or arising from any Properties, (3) the
          failure of any Borrower, any Subsidiary thereof, any past or present
          occupant, or any future occupant that controls, is controlled by, or
          is under common control with any Borrower, of any Property (whether
          owner, tenant, subtenant or any other occupant) to comply with the
          Environmental Laws; or (4) the untruth or breach of any of the
          representations or warranties contained herein relating to the
          Environmental Laws, provided, however, that the Borrowers shall not be
          required to indemnify any Indemnified Party to the extent the
          liability resulted from or arose out of the gross negligence or
          willful or reckless act or omission of that Indemnified Party.

SECTION 9.17 ENTIRE AGREEMENT. This Agreement, the Schedules and Exhibits
     attached hereto, the Note, the Subrogation and Contribution Agreement and
     the other documents executed pursuant hereto constitute the entire
     understanding among the parties with respect to the subject matter hereof
     and supersede any and all contemporaneous and prior agreements between the
     parties hereto with respect to the subject matter hereof and thereof.

          WAIVER OF JURY TRIAL. BORROWERS AND THE BANKS HEREBY WAIVE TRIAL BY
     JURY IN ANY LEGAL PROCEEDING INVOLVING, DIRECTLY OR INDIRECTLY, ANY MATTER
     (WHETHER SOUNDING IN TORT, CONTRACT OR OTHERWISE) IN ANY WAY ARISING OUT OF
     OR RELATED TO THIS AGREEMENT OR THE RELATIONSHIP EVIDENCED HEREBY. THIS
     PROVISION IS A MATERIAL INDUCEMENT FOR THE BANKS TO ENTER INTO THIS
     AGREEMENT.

                    [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                       48

<PAGE>

               SIGNATURE CONTINUED FROM THE PREVIOUS PAGE

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

MARLTON TECHNOLOGIES, INC.,
a New Jersey corporation

SPARKS EXHIBITS & ENVIRONMENTS CORP.
(formerly Sparks Exhibits Corp.),
a Pennsylvania corporation

SPARKS EXHIBITS & ENVIRONMENTS, INC.
(formerly Sparks Exhibits, Inc.),
a Georgia corporation

SPARKS EXHIBITS & ENVIRONMENTS, LTD.
(formerly Sparks Exhibits, Ltd.),
a California corporation

SPARKS EXHIBITS & ENVIRONMENTS INCORPORATED
(formerly Piper Productions, Inc.),
a Florida corporation

SPARKS SCENIC, LTD.,
a California corporation

SPARKS PRODUCTIONS LTD.,
a California corporation

SPARKS EXHIBITS HOLDING
CORPORATION, a Delaware            Address:
corporation                        -------
                                   2828 Charter Road
                                   Philadelphia, PA  19154

By:
   Robert B. Ginsburg, CEO

DMS STORE FIXTURES LLC
(formerly DMS Store Fixtures Corp.),
a Pennsylvania corporation

By:
   Robert B. Ginsburg, Manager

                                       49

<PAGE>

                  [SIGNATURES CONTINUED FROM THE PREVIOUS PAGE]

FIRST UNION NATIONAL BANK              123 S. Broad Street
(for itself and as Agent)              Philadelphia, Pennsylvania 19109
                                       Fax: (215) 973-3143
                                       Attention:  Thomas Woodward
By: ______________________
    Name:                              AND
                                       ---
    Title:
                                       First Union National Bank
                                       1339 Chestnut Street
                                       P.O. Box 7618
                                       Philadelphia, PA 19101-7618
                                       Fax:  (215) 786-5356
                                       Attention:  Charles H. Dietrich

                                       50

<PAGE>

                                  Schedule 2.1

                          Revolving Credit Commitments

                  First Union National Bank       $30,000,000

                  Total                           $30,000,000

                                       51

<PAGE>

                                  Schedule 3.4

                              Collateral Locations

                                       52

<PAGE>

                                  Schedule 5.12

                        Subsidiaries and Stock Ownership

                                       53

<PAGE>

                                  Schedule 5.15

                                  Existing Debt

                                       54

<PAGE>

                                   Exhibit 2.4

                              Revolving Credit Note

$__,000,000.00                                          January __, 2000

     FOR VALUE RECEIVED, the undersigned, (collectively the "Borrowers"), hereby
jointly and severally promise to pay to the order of
______________________________ (the "Bank"), by remittances to the Agent in
accordance with the Agreement (defined below), the principal amount of
_______________ Million Dollars ($__,000,000.00), or such lesser amount as may
be advanced by the Bank, in lawful money of the United States of America in
immediately available funds, payable at the times, in the manner, and at the
interest rates specified in the Agreement.

     This Note arises out of that certain Amended and Restated Revolving Credit
and Security Agreement dated as of January 21, 2000 among the Borrowers, First
Union National Bank, as Agent and the Banks (as amended, the "Agreement") and is
subject in all respects to the terms of the Agreement. This Revolving Credit
Note is one of the "Revolving Credit Notes" as defined in the Agreement.

     Terms used herein which are defined in the Agreement shall have their
defined meanings when used herein. The Agreement, among other things, contains
provisions for acceleration of the maturity of this Note upon the happening of
certain stated events and also for prepayments on account of principal hereof
prior to the maturity of this Note upon the terms and conditions specified in
the Agreement. This Note is secured by the Agreement, reference to which is
hereby made for a description of the Collateral provided for therein and the
rights of the Borrowers and the Bank with respect to such Collateral.

     The Borrowers hereby waive presentment, demand for payment, notice of
dishonor or acceleration, protest and notice of protest, and any and all other
notices or demands in connection with the delivery, acceptance, performance,
default or enforcement of this Note, excepting any notice requirements set forth
in the Agreement.

     JURISDICTION AND VENUE. IN ANY LEGAL PROCEEDING INVOLVING, DIRECTLY OR
INDIRECTLY, ANY MATTER ARISING OUT OF OR RELATED TO THIS NOTE OR THE
RELATIONSHIP EVIDENCED HEREBY, THE BORROWER HEREBY IRREVOCABLY SUBMITS TO THE
NON-EXCLUSIVE JURISDICTION OF ANY STATE OR FEDERAL COURT LOCATED IN THE COUNTIES
OF PHILADELPHIA, MONTGOMERY OR BUCKS IN THE COMMONWEALTH OF PENNSYLVANIA AND
AGREE NOT TO RAISE ANY OBJECTION TO SUCH JURISDICTION OR TO THE LAYING OR
MAINTAINING OF THE VENUE OF ANY SUCH PROCEEDING IN SUCH COUNTY. THE BORROWER
AGREES THAT SERVICE OF PROCESS IN ANY SUCH PROCEEDING MAY BE DULY EFFECTED UPON
IT BY MAILING A COPY THEREOF, BY REGISTERED MAIL, POSTAGE PREPAID, TO THE
BORROWER.

     WAIVER OF JURY TRIAL. BORROWERS HEREBY WAIVE, AND THE BANKS BY THEIR
ACCEPTANCE HEREOF THEREBY WAIVE, TRIAL BY JURY IN ANY LEGAL PROCEEDING
INVOLVING, DIRECTLY OR INDIRECTLY, ANY MATTER (WHETHER SOUNDING IN TORT,
CONTRACT OR OTHERWISE) IN ANY WAY ARISING OUT OF OR RELATED TO THIS NOTE OR THE
RELATIONSHIP EVIDENCED HEREBY. THIS PROVISION IS A MATERIAL INDUCEMENT FOR THE
BANKS TO ACCEPT AND RELY UPON THIS NOTE.

     This Note shall be governed by and construed in accordance with the laws of
the Commonwealth of Pennsylvania.

                                       55

<PAGE>

     IN WITNESS WHEREOF, the Borrowers, intending to be legally bound, have
executed and delivered this Note on the date first above written.

                            MARLTON TECHNOLOGIES, INC.,
                            a New Jersey corporation

                            SPARKS EXHIBITS & ENVIRONMENTS CORP.
                            (formerly Sparks Exhibits Corp.),
                             a Pennsylvania corporation

                            SPARKS EXHIBITS & ENVIRONMENTS, INC.
                            (formerly Sparks Exhibits, Inc.),
                             a Georgia corporation

                            SPARKS EXHIBITS & ENVIRONMENTS, LTD.
                            (formerly Sparks Exhibits, Ltd.),
                             a California corporation

                            SPARKS EXHIBITS & ENVIRONMENTS INCORPORATED
                            (formerly Piper Productions, Inc.),
                             a Florida corporation

                            SPARKS SCENIC, LTD., a California corporation

                            SPARKS PRODUCTIONS LTD., a California corporation

                            SPARKS EXHIBITS HOLDING CORPORATION, a
                              Delaware corporation

                            By:______________________________________
                                    Robert B. Ginsburg, CEO

                            DMS STORE FIXTURES LLC (formerly DMS Store
                            Fixtures Corp.), a Pennsylvania corporation

                            By:______________________________________
                                    Robert B. Ginsburg, Manager

                                       56

<PAGE>

                                   Exhibit 6.1

                             Compliance Certificate

          To be in the form used in connection with the 12/31/97 Credit
                Agreement, with any changes necessary to reflect
                            new financial covenants.

                                       57<PAGE>

                              EMPLOYMENT AGREEMENT

                  This Employment Agreement ("Agreement") is made and entered
into as of the 6th day of January, 2000 (the "Commencement Date") by and between
NETCREATIONS, INC., a New York corporation (the "Company"), and Mitchell York
(hereinafter called the "Executive").

                                 R E C I T A L S

                  A. The Executive desires to be employed as the President and
Chief Operating Officer of the Company.

                  B. The Company desires to employ the Executive as the
President and Chief Operating Officer of the Company.

                                    AGREEMENT

                  NOW, THEREFORE, in consideration of the premises and mutual
covenants set forth herein, the parties agree as follows:

                  1. EMPLOYMENT.

                           1.1 EMPLOYMENT. The Company hereby agrees to employ
the Executive and the Executive hereby agrees to serve the Company on the terms
and conditions set forth herein.

                           1.2 DUTIES OF EXECUTIVE. During the Term of
Employment under this Agreement, the Executive shall serve as the President and
the Chief Operating Officer of the Company, shall diligently perform all
services as may reasonably be assigned to the Executive by the Chief Executive
Officer of the Company and by the Board of Directors (the "Board") of the
Company, and shall exercise such power and authority as may from time to time be
delegated to the Executive by the Board. Without limiting the generality of the
foregoing, the Executive duties shall include, among other things, the
following:

                           Managing the Company's day-to-day operations.

                           Maintaining reporting and supervisory responsibility
for all departments of the Company provided, that the Chief Executive Officer of
the Company shall maintain such involvement with departments and individuals as
the Chief Executive may deem to be necessary and appropriate.

                           Working with the Chief Executive Officer to establish
strategy and goals for the Company and for its operations, including overseeing
the establishment of goals for individuals within departments.

                           Such general business development activities as the
Chief Executive Officer may assign from time to time.

<PAGE>

The Executive acknowledges and agrees that the Company may assign some of the
foregoing specific duties to other persons as the Company's management team
expands, provided that such assignments of duties to other persons do not
constitute a material or unreasonable diminution in the Executive's office,
title, and duties and responsibilities hereunder. The Executive shall devote the
Executive's full business time and attention to the business and affairs of the
Company, render such services to the best of the Executive's ability, and use
the Executive's best efforts to promote the interests of the Company. It shall
not be a violation of this Agreement for the Executive to (i) serve on
corporate, civic or charitable boards or committees, (ii) deliver lectures,
fulfill speaking engagements or teach at educational institutions, or (iii)
manage personal investments, so long as such activities do not significantly
interfere with the performance of the Executive's responsibilities to the
Company in accordance with this Agreement. The Executive's duties will require
the Executive's regular presence during normal working hours on business days
Monday through Friday at the Company's principal executive offices, currently
located at 379 West Broadway, New York, New York, but the Executive's duties
will also involve some business travel.

                  2. TERM.

                           2.1 INITIAL TERM. The initial Term of Employment
under this Agreement, and the employment of the Executive hereunder, shall
commence on the (the "Commencement Date") and shall expire at midnight New York
City time on January 6, 2003, unless sooner terminated in accordance with
Section 5 hereof (the "Initial Term").

                           2.2 RENEWAL TERMS. At the end of the Initial Term,
the Term of Employment automatically shall renew for successive one year terms
(subject to earlier termination as provided in Section 5 hereof), unless the
Company or the Executive delivers written notice to the other at least 90 days
prior to the last day of the Initial Term or any such applicable renewal period
(in either case, the "Expiration Date") of its or the Executive's election not
to renew the Term of Employment. For purposes of this Agreement, if the Term of
Employment expires as a result of the Company delivering written notice to the
Executive stating its intention not to renew the Term of the Employment pursuant
to this Section 2.2, the Executive shall be treated as if the Executive was
terminated by the Company without Cause, in accordance with Section 5.4 hereof,
upon the Expiration Date. In addition, if the Term of Employment expires as a
result of the Executive delivering written notice to the Company stating the
Executive's intention not to renew the Term of Agreement pursuant to this
Section 2.2, the Executive shall be treated as if the Executive had terminated
the Executive's employment with the Company without Good Reason, in accordance
with Section 5.5(b) hereof, upon the Expiration Date.

                           2.3 TERM OF EMPLOYMENT. The period during which the
Executive shall be employed by the Company pursuant to the terms of this
Agreement is sometimes referred to in this Agreement as the "Term of
Employment."

<PAGE>

                  3. COMPENSATION.

                           3.1 BASE SALARY. The Executive shall receive a base
salary at the annual rate (prorated for any applicable period of less than one
year) of $250,000 (the "Base Salary") during the Term of Employment, with such
Base Salary payable in installments consistent with the Company's normal payroll
schedule, subject to applicable withholding and other taxes. The Base Salary
shall be reviewed, at least annually, for merit increases and may, by action and
in the discretion of the Board, be increased (but not decreased) at any time or
from time to time. Notwithstanding the foregoing, the Base Salary shall increase
by not less than 7% on January 6, 2001 and by not less than an additional 7% on
January 6, 2002.

                           3.2 BONUSES. During the term of this Agreement, the
Executive shall be eligible to receive performance and annual incentive awards
(the "Bonuses") of up to a maximum potential limit of $37,500 per fiscal quarter
of the Company during the Term of employment under this Agreement (each such
quarter hereinafter called a "Bonus Period") as described below. Bonuses shall
be reviewed, at least annually, for merit increases and, by action and in the
discretion of the Board, the limit on the potential size of Bonuses can be
increased, but not decreased, at any time or from time to time. Notwithstanding
the foregoing, the maximum potential limit of the Bonuses per Bonus Period shall
increase by not less than 7% on January 6, 2001 and by not less than an
additional 7% on January 6, 2002.

                  The amount of the Bonuses that may be awarded for any period,
if any, shall be determined prior to the commencement of the relevant Bonus
Period by the Board, in its sole and absolute discretion. However, any bonus
plan for the Executive shall be predicated on the establishment of quarterly
goals, referred to as Key Initiatives, to be mutually developed and signed-off
on between the Executive and the Company's Board/Representative of the Company
prior to and/or adjusted during a quarter. Key Initiatives will comprise, among
other things, specific sales and earnings objectives, business development
goals, Company results and performance of the common stock ("Common Stock") of
the Company. For purposes of this Agreement, the term "Representative of the
Company" means the Company's Chief Executive Officer. All Bonuses shall be
payable to the Executive quarterly in cash and/or to the extent determined by
the Board and agreed upon by the Executive, with Common Stock of the Company by
no later than ten (10) business days after the Company has completed its
financial statements, approved by the Company's Chief Financial Officer and its
Chief Executive Officer, for the preceding fiscal period. Bonuses shall be
subject to proration for periods of less than one fiscal quarter. Any Bonuses
payable pursuant to this Section 3.2 are sometimes hereinafter referred to as
"Incentive Compensation."

                  4. EXPENSE REIMBURSEMENT AND OTHER BENEFITS.

                           4.1 REIMBURSEMENT OF EXPENSES. Upon the submission of
proper substantiation by the Executive, and subject to such rules and guidelines
as the Company may from time to time adopt applicable generally to its executive
employees, the Company shall reimburse the Executive for all reasonable expenses
actually paid or incurred by the Executive during the Term of Employment in the
course of and pursuant to the business of the Company including, without

<PAGE>

limitation, meals and hotel expenses or car service to the Executive's home when
the Executive is engaged in Company business beyond 9:00 pm at the Company's
offices and appropriate travel and entertainment expenses. During the period
commencing on February 1, 2000 and ending on July 1, 2000 the Company will
reimburse the Executive up to $1,250 per month for hotel expenses in Manhattan,
temporary apartment lease expenses in Manhattan, and car service to the
Executive's home in Bayville, Long Island.

                           4.2 COMPENSATION/BENEFIT PROGRAMS. During the Term of
Employment, the Executive shall be entitled to participate in all medical,
dental, hospitalization, accidental death and dismemberment, disability, travel
and life insurance plans applicable to the Company's senior executives
generally, and any and all other plans as are presently and hereinafter offered
by the Company generally to its executives, including, without limitation,
savings, pension, profit-sharing and deferred compensation plans, subject to the
general eligibility and participation provisions set forth in such plans. The
Company will use its best commercial efforts to obtain an administrative
exception to permit the Executive to participate in the Company's 401K Plan
effective January 1, 2000. The Company shall pay or reimburse the Executive for
any and all reasonable expenses the Executive incurs to maintain health care
continuation coverage under Section 4980B of the U.S. Internal Revenue Code of
1986, as amended ("COBRA") for the Executive, the Executive's spouse, and the
Executive's dependents under any and all health care plans of the Executive's
prior employer through May 2, 2000.

                           4.3 TRANSPORTATION ALLOWANCE. Except as set forth in
Section 4.1, the Executive will not be entitled to reimbursement for his
expenses in commuting to and from the Company's offices.

                           4.4 STOCK OPTIONS.

                                    a. During the Term of Employment, the
Executive shall be eligible to be granted options (the "Stock Options") to
purchase the Common Stock of the Company under (and therefore subject to) all
terms and conditions of the Company's Stock Option Plan. The number of Stock
Options and terms and conditions of the Stock Options shall be determined by the
Committee appointed pursuant to the Stock Option Plan, or by the Board of
Directors of the Company, in its discretion and pursuant to the Stock Option
Plan.

                                    b. Upon the execution and delivery of this
Agreement and approval of the same by the Company's Board of Directors, the
Company shall grant to the Executive qualified Stock Options (incentive stock
options) to purchase 500,000 shares of the Company's Common Stock at an initial
exercise price of $33.25 per share provided, that this grant is subject to
shareholder approval of amendments to the Company's Stock Option Plan sufficient
to permit that number of incentive Stock Options to be granted to the Executive;
and further provided, that the Company undertakes to seek to obtain such
shareholder approval no later than at its next annual meeting of shareholders.
All of the Stock Options referred to in this paragraph (b) shall be subject to
the terms and conditions set forth on the form of stock option instrument
attached hereto as Exhibit A. The Company represents and warrants that the stock
option instrument shall evidence a valid and enforceable grant of Stock Options
by the Company upon approval of the grant by the Company's Board of Directors.

<PAGE>

                                    c. If the Executive has fulfilled (or, as
determined by the Compensation Committee of the Company's Board of Directors, in
its sole discretion, substantially attained) performance goals to be established
by the Company's Chief Executive Officer for the period of one year terminating
on the first anniversary of the Commencement Date, and/or has fulfilled (or, as
determined by the Compensation Committee of the Company's Board of Directors, in
its sole discretion, substantially attained) performance goals to be established
by the Company's Chief Executive Officer for the one year period ending on the
second anniversary of the Commencement Date or the one year period ending on the
third anniversary of the Commencement Date, on any such anniversary on which the
applicable performance goals have been so fulfilled or so substantially attained
additional Stock Options to purchase 25,000 shares of the Company's Common Stock
of the Company's outstanding shares of Common Stock, shall be issued to the
Executive. These Stock Options are in addition to and not in substitution for
any other Stock Options granted to the Executive. These additional Stock Options
shall be exercisable at the average closing trading price of the Company's
common stock on the principal exchange or market on which its stock is traded
for the five (5) business days ending on the date of issuance, shall be vested
immediately upon grant, and shall otherwise be on substantially the same terms
and conditions as the other Stock Options granted to the Executive pursuant to
Section 4.4(b). All such performance goals established hereunder shall be set
forth in writing and delivered to the Executive prior to the one year period to
which they apply except that performance goals for the first year shall be
delivered to the Executive as soon as is reasonably practicable. Notwithstanding
the foregoing, the grant of additional stock options referred to in this
paragraph is subject to shareholder approval of amendments to the Company's
Stock Option Plan sufficient to permit that number of additional incentive Stock
Options to be granted to the Executive. The Company undertakes to seek to obtain
such shareholder approval no later than at its next annual meeting of
shareholders.

                           4.5 VACATION BENEFITS. The Executive shall be
entitled to four (4) weeks of vacation time each calendar year during the Term
of employment under this Agreement, to be taken at such times as the Executive
and the Company shall mutually determine. Notwithstanding the foregoing, in view
of the Company's current circumstances the Executive will not (i) take more than
one week of vacation time in any 30-day period unless otherwise mutually agreed
with the Chief Executive Officer of the Company. Vacation time that is not used
in one year may be carried over to the next year but may not be carried over
beyond that year.

                           4.6 OTHER BENEFITS. The Executive shall receive such
additional benefits, if any, as the Board of the Company shall from time to time
determine. In addition, upon execution of this Agreement the Company shall
reimburse the Executive (upon presentation of reasonable documentation therefor)
for the Executive's reasonable legal fees in connection with the negotiation of
this Agreement, not to exceed $10,000.

                  5. TERMINATION.

<PAGE>

                           5.1 TERMINATION FOR CAUSE. The Company shall at all
times have the right, upon written notice (which shall identify the basis for
dismissal per this Section and describe in general terms conduct or
circumstances constituting a basis for dismissal) to the Executive, to terminate
the Term of Employment, for Cause. For purposes of this Agreement, the term
"Cause" shall mean (i) an action or omission of the Executive which constitutes
a willful and material breach of, or failure or refusal (other than by reason of
the Executive's disability) to perform the Executive's duties under, this
Agreement, which is not cured within fifteen (15) days after receipt by the
Executive of written notice of same if such action or omission is capable of
being so cured, (ii) habitual insobriety or illegal use of controlled substances
(other than under the supervision of a licensed physician); (iii) habitual
absenteeism; (iv) fraud, non-disclosed self-dealing, embezzlement or
misappropriation of funds or property or breach of fiduciary duties in
connection with the Executive's services hereunder, (v) conviction of a felony;
(vi) conviction of any other crime or misdemeanor involving moral turpitude
which, in the Company's reasonable judgment, if the same were to become publicly
known or known within the Company or to its employees, suppliers or customers,
may be materially adverse to the reputation of the Company or the Executive, may
materially impair the standing of the Company or the Executive in the business
community or local community or with the employees, suppliers and customers of
the Company, may materially impair the Executive's ability to continue to be an
effective officer and representative of the Company, or may tend to expose the
Company or the Executive to ridicule; or (vii) gross negligence in connection
with the performance of the Executive's duties hereunder which is not cured, to
the extent that the same is curable, within fifteen (15) days after receipt by
the Executive of written notice of same. Upon any termination pursuant to this
Section 5.1, the Company shall pay to the Executive the Executive's Base Salary,
earned but unpaid Bonuses and earned but unused vacation days (treating vacation
days, for this purpose, as being earned in accordance with the Company's
policies as may be applicable to executives generally from time to time) to the
date of termination. The Company shall have no further liability hereunder other
than its obligations, if any, (i) in accordance with the terms of options
granted to the Executive through the date of termination, (ii) reimbursement for
reasonable business expenses incurred by the Executive prior to the date of
termination, subject, however, to the provisions of Section 4.1, and (iii)
applicable statutes..

                           5.2 DISABILITY. The Company shall at all times have
the right, upon prior written notice to the Executive, to terminate the Term of
Employment, if the Executive shall as the result of mental or physical
incapacity, illness or disability, become unable to perform the Executive's
obligations hereunder for a total of 180 days in any 12-month period. The
Company shall rely upon a certification performed by the Company's disability
insurer or by a physician jointly chosen by the Executive's doctor and the
Company's doctor to determine whether the Executive continues to be disabled
provided that if the Executive does not submit to examination by such a medical
doctor for such purpose (if requested by the Company) then the Company may
terminate the Executive's employment if the Executive shall become entitled to
benefits under the Company's applicable long-term disability plan if any is then
in effect. Upon any termination pursuant to this Section 5.2, the Company shall
(i) pay to the Executive any unpaid Base Salary through the effective date of
termination specified in such notice (which date shall not be prior to the date
upon which such notice is given), (ii) pay to the Executive the Executive's
accrued but unpaid Incentive Compensation, if any, for any Bonus Period ending

<PAGE>

on or before the date of termination of the Executive's employment with the
Company, (iii) continue to pay the Executive through the date which is six (6)
months after such termination (the period ending on such date being hereinafter
called the "Continuation Period"), an amount equal to the Base Salary the
Executive was receiving at the time of the Executive's termination hereunder due
to disability, such amount to be paid in the manner and at such times as the
Base Salary otherwise would have been payable to the Executive, and (iv)
continue to pay the Executive Incentive Compensation and continue to provide the
Executive with the benefits the Executive was receiving under Section 4.2 hereof
(the "Benefits") through the Continuation Period (to the extent permitted under
the terms of applicable insurance and other benefit programs of the Company then
in affect and covering the Executive, and provided further that the Company
shall not take any affirmative action from the time of giving notice of
termination hereunder to the Executive through the end of the Continuation
Period which would cause the relevant insurance and other benefits available to
the Executive to be reduced or eliminated) following the termination of the
Executive's employment with the Company, in the manner and at such times as such
Incentive Compensation and Benefits otherwise would have been payable or
provided to the Executive, provided that the amounts payable to the Executive
pursuant to the foregoing clauses (i) through (iv) shall be reduced by the
amount actually paid to the Executive pursuant to the disability insurance
referred to in Section 4.2 hereof. The Company shall have no further liability
hereunder other than its obligations, if any, (i) in accordance with the terms
of options granted to the Executive through the date of termination, (ii)
reimbursement for reasonable business expenses incurred by the Executive prior
to the date of termination, subject, however, to the provisions of Section 4.1,
and (iii) applicable statutes..

                           5.3 DEATH. Upon the death of the Executive during the
Term of Employment the Executive's employment by the Company will automatically
terminate and, reasonably promptly thereafter, the Company shall (i) pay to the
estate of the deceased Executive any unpaid Base Salary through the Executive's
date of death, (ii) pay to the estate of the deceased Executive the Executive's
accrued but unpaid Incentive Compensation, if any, for any Bonus Period ending
on or before the Executive's date of death, (iii) continue to pay to the estate
of the deceased Executive the Base Salary the Executive was receiving at the
time of the Executive's death through the date which is six (6) months after
such death (the period ending on such date being hereinafter called the "Death
Continuation Period"), in the manner and at such times as the Base Salary
otherwise would have been payable to the Executive, and (iv) continue to pay to
the estate of the deceased Executive Incentive Compensation through the Death
Continuation Period, in the manner and at such times as such Incentive
Compensation would have been payable or provided to the Executive. The Company
shall have no further liability hereunder other than its obligations, if any,
(i) in accordance with the terms of options granted to the Executive through the
date of termination, (ii) reimbursement for reasonable business expenses
incurred by the Executive prior to the date of termination, subject, however, to
the provisions of Section 4.1, and (iii) applicable statutes.

                           5.4 TERMINATION WITHOUT CAUSE. At any time the
Company shall have the right to terminate the Executive's employment hereunder
without Cause by prior written notice to the Executive. Upon any termination
pursuant to this Section 5.4, the Company shall (i) pay to the Executive any
unpaid Base Salary through the effective date of termination specified in such

<PAGE>

notice, (ii) pay to the Executive the accrued but unpaid Incentive Compensation,
if any, for any Bonus Period ending on or before the date of the termination of
the Executive's employment with the Company, and a prorated portion of the Bonus
earned, if any, for the quarterly Bonus Period, if any, in which the termination
occurs, (iii) continue to pay the Executive's Base Salary and Incentive
Compensation through the date which is six (6) months after such termination
(the period ending on such date being hereinafter called the "Non-Cause
Termination Continuation Period"), in the manner and at such time as the Base
Salary and Incentive Compensation otherwise would have been payable to the
Executive, and (iv) continue to provide the Executive with the Benefits the
Executive was receiving under Section 4.2 hereof (to the extent permitted under
the terms of applicable insurance and other benefit programs of the Company then
in affect and covering the Executive, and provided further that the Company
shall not take any affirmative action from the time of giving notice of
termination to the Executive through the end of the Non-Cause Termination
Continuation Period which would cause the relevant insurance and other benefits
available to the Executive to be reduced or eliminated) during the Non-Cause
Termination Continuation Period, in the manner and at such times as the Benefits
otherwise would have been payable or provided to the Executive. The Company
shall have no further liability hereunder other than its obligations, if any,
(i) in accordance with the terms of options granted to the Executive through the
date of termination, (ii) reimbursement for reasonable business expenses
incurred by the Executive prior to the date of termination, subject, however, to
the provisions of Section 4.1, and (iii) applicable statutes.

                           5.5 TERMINATION BY EXECUTIVE.

                                    a. The Executive shall at all times have the
right, upon ninety (90) days prior written notice to the Company, to terminate
the Term of Employment.

                                    b. Upon termination of the Term of
Employment (not pursuant to Section 5.5(c) or Section 5.6) pursuant to this
Section 5.5 by the Executive without Good Reason, the Company shall (i) pay to
the Executive any unpaid Base Salary through the effective date of termination
specified in such notice, (ii) pay to the Executive the accrued but unpaid
Incentive Compensation, if any, for any Bonus Period ending on or before the
date of the termination of the Executive's employment with the Company, and
(iii) continue to provide the Executive with the Benefits the Executive was
receiving under Section 4.2 hereof through the date of such termination (to the
extent permitted under the terms of applicable insurance and other benefit
programs of the Company then in effect and covering the Executive, provided that
the Company will take no affirmative action from the time of receiving notice of
termination from the Executive through the date of termination which would cause
the relevant insurance and other benefits available to the Executive to be
reduced in any material fashion or eliminated except as such actions are
applicable to all executives of the Company generally), in the manner and at
such times as the Benefits otherwise would have been payable or provided to the
Executive. The Company shall have no further liability hereunder other than its
obligations, if any, (i) in accordance with the terms of options granted to the
Executive through the date of termination, (ii) reimbursement for reasonable
business expenses incurred by the Executive prior to the date of termination,
subject, however, to the provisions of Section 4.1, and (iii) applicable
statutes.

<PAGE>

                                    c. Upon termination of the Term of
Employment (not pursuant to Section 5.5(b) or Section 5.6) by the Executive for
Good Reason, the Company shall (i) pay to the Executive any unpaid Base Salary
through the effective date of termination specified in such notice, (ii) pay to
the Executive the accrued but unpaid Incentive Compensation, if any, for any
Bonus Period ending on or before the date of the termination of the Executive's
employment with the Company, and a prorated portion of the Bonus earned, if any,
for the quarterly Bonus Period, if any, in which the termination occurs, (iii)
continue to pay the Executive's Base Salary and Incentive Compensation through
the date which is six (6) months after such termination (the period ending on
such date being hereinafter called the "Good Cause Termination Continuation
Period"), in the manner and at such time as the Base Salary and Incentive
Compensation otherwise would have been payable to the Executive, and (iv)
continue to provide the Executive with the Benefits the Executive was receiving
under Section 4.2 hereof (to the extent permitted under the terms of applicable
insurance and other benefit programs of the Company then in effect and covering
the Executive, and provided further that the Company shall not take any
affirmative action from the time of giving notice of termination to the
Executive through the end of the Good Cause Termination Continuation Period
which would cause the relevant insurance and other benefits available to the
Executive to be reduced or eliminated except as such actions are applicable to
all executives of the Company generally) during the Good Cause Termination
Continuation Period, in the manner and at such times as the Benefits otherwise
would have been payable or provided to the Executive. The Company shall have no
further liability hereunder other than its obligations, if any, (i) in
accordance with the terms of options granted to the Executive through the date
of termination, (ii) reimbursement for reasonable business expenses incurred by
the Executive prior to the date of termination, subject, however, to the
provisions of Section 4.1, and (iii) applicable statutes.

                                    d. For purposes of this Agreement, "Good
Reason" shall mean any of the following:

                                             (i) the assignment to the Executive
of any material duties inconsistent in any material respect with the Executive's
duties and position (including status, offices, titles and reporting
relationships) as defined hereunder or any other action by the Company which
results in a material diminution in the Executive's position, authority, duties
or responsibilities from those contemplated by Section 1.2 of this Agreement,
which is not remedied by the Company within fifteen (15) days after receipt of
written notice from the Executive of the same, excluding for this purpose any
isolated, insubstantial and inadvertent action not taken in bad faith;

                                             (ii) any material failure by the
Company to comply with any of the provisions of Article 3 of this Agreement
which is not remedied by the Company within fifteen (15) days after receipt of
written notice thereof given by the Executive, other than an isolated,
insubstantial and inadvertent failure not occurring in bad faith and which is
remedied by the Company promptly after receipt of notice thereof given by the
Executive;

<PAGE>

                                             (iii) the Company's requiring the
Executive to be based at any office or location more than 60 miles outside of
New York City, NY, except for business trips reasonably required in the
performance of the Executive's responsibilities; or

                                             (iv) any purported termination by
the Company of the Executive's employment otherwise than pursuant to Sections
5.1 - 5.4 of this Agreement.

                           5.6 CHANGE IN CONTROL OF THE COMPANY.

                                    a. Unless otherwise provided in this
Agreement, in the event that a Change in Control (as defined in paragraph (b) of
this Section 5.6) in the Company shall occur during the Term of Employment, and
prior to the first anniversary of the date of the Change in Control, either (x)
the Term of Employment is terminated by the Company without Cause, pursuant to
Section 5.4 hereof or (y) the Executive terminates the Term of Employment for
Good Reason pursuant to Section 5.5(c) hereof, the Company shall (1) pay to the
Executive any unpaid Base Salary through the effective date of termination, (2)
pay to the Executive the Incentive Compensation, if any, not yet paid to the
Executive for any Bonus Period prior to such termination, at such time as the
Incentive Compensation otherwise would have been payable to the Executive, and
(3) pay to the Executive in a lump sum payment an amount equal to the amount of
the Executive's Base Salary for the six (6) months preceding such termination.
If, during the Term of Employment, any Change in Control should occur and, prior
to the first anniversary of the date of the Change in Control, either (x) the
Term of Employment is terminated by the Company without Cause, pursuant to
Section 5.4 hereof or (y) the Executive terminates the Term of Employment for
Good Reason pursuant to Section 5.5(c) hereof, the Executive's unvested Stock
Options shall be vested and become immediately exercisable. In addition, if a
Change in Control transaction shall occur in which the Company is not the
surviving entity and the acquiror does not agree to assume the obligations
represented by the Stock Option rights of the Executive on or prior to the
closing of the Change in Control transaction on such terms and conditions as
shall be reasonably satisfactory to the Company, then the Executive's unvested
Stock Options shall be vested and become immediately exercisable immediately
prior to the consummation of the closing of such Change in Control transaction
so as to permit the Executive to dispose of the shares of Common Stock
underlying such Stock Options in that Change in Control transaction on
substantially the same terms and conditions as are applicable to shareholders of
the Company generally. If any of the Executive's Stock Options shall vest
according to the applicable vesting schedule, the unexercised options which
shall have vested before or after any such Change in Control shall continue to
be exercisable for a period of three months from the date of any termination of
the Executive's employment by the Company following such Change in Control. The
Company shall have no further liability hereunder (other than for reimbursement
for reasonable business expenses incurred prior to the date of termination,
subject, however, to the provisions of Section 4.1).

                                    b. For purposes of this Agreement, the term
"Change in Control" shall mean:

<PAGE>

                                             (i) Approval by the shareholders of
the Company of (x) a reorganization, merger, consolidation or other form of
corporate transaction or series of transactions, in each case, with respect to
which persons who were the shareholders of the Company immediately prior to such
reorganization, merger or consolidation or other transaction do not, immediately
thereafter, own more than 50% of the combined voting power entitled to vote
generally in the election of directors of the reorganized, merged or
consolidated company's then outstanding voting securities, in substantially the
same proportions as their ownership immediately prior to such reorganization,
merger, consolidation or other transaction, or (y) a liquidation or dissolution
of the Company or (z) the sale of all or substantially all of the assets of the
Company (unless such reorganization, merger, consolidation or other corporate
transaction, liquidation, dissolution or sale is subsequently abandoned);

                                             (ii) Individuals who, as of the
Commencement Date of this Agreement, constitute the Board (the "Incumbent
Board") cease for any reason to constitute at least a majority of the Board,
provided that any person becoming a director subsequent to the Commencement Date
of this Agreement whose election, or nomination for election by the Company's
shareholders, was approved by a vote of at least a majority of the directors
then comprising the Incumbent Board (other than an election or nomination of an
individual whose initial assumption of office is in connection with an actual or
threatened election contest relating to the election of the Directors of the
Company, as such terms are used in Rule 14a-11 of Regulation 14A promulgated
under the Securities Exchange Act) shall be, for purposes of this Agreement,
considered as though such person were a member of the Incumbent Board; or

                                             (iii) the acquisition by any
person, entity or "group", within the meaning of Section 13(d)(3) or 14(d)(2) of
the Securities Exchange Act, of more than 30% of either the then outstanding
shares of the Company's Common Stock or the combined voting power of the
Company's then outstanding voting securities entitled to vote generally in the
election of directors (hereinafter referred to as the ownership of a
"Controlling Interest") excluding, for this purpose, any acquisitions by (1) the
Company, (2) any person, entity or "group" that as of the Commencement Date of
this Agreement owns beneficial ownership (within the meaning of Rule 13d-3
promulgated under the Securities Exchange Act) of a Controlling Interest, (3)
Rosalind Resnick and/or Ryan Scott Druckenmiller or their respective affiliates,
or (4) any employee benefit plan of the Company.

                                    c. Notwithstanding the foregoing, the term
"Change in Control" shall NOT include any transaction, event or circumstance as
a result of which or after which Rosalind Resnick, Ryan Scott Druckenmiller, and
their respective affiliates continue to own, in the aggregate, the largest
percentage of shares of the Company owned by any shareholder of the Company.

                           5.7 RESIGNATION. Upon any termination of employment
pursuant to this Article 5, the Executive shall be deemed to have resigned as an
officer, and if the Executive was then serving as a director of the Company, as
a director, and if required by the Board, the Executive hereby agrees to
immediately execute a resignation letter to the Board.

<PAGE>

                           5.8 SURVIVAL. The provisions of this Article 5 shall
survive the termination of this Agreement, as applicable.

                  6. RESTRICTIVE COVENANTS.

                           6.1 NON-COMPETITION. At all times while the Executive
is employed by the Company and for a two (2) year period after the termination
of the Executive's employment with the Company for any reason (other than (a)
termination by the Company without Cause or (b) termination by the Executive for
Good Reason (as defined in Section 5.5(d) hereof) or (c) termination by the
Company prior to the first anniversary of a Change in Control other than for
Cause), the Executive shall not, directly or indirectly, engage in or have any
interest in any sole proprietorship, partnership, corporation or business or any
other person or entity (whether as an employee, officer, director, partner,
agent, security holder, creditor, consultant or otherwise) that directly engages
in competition with the Company (for this purpose, any business unit or division
that provides e-mail marketing services to third parties for compensation and
derives more than five percent (5%) of the division's or unit's revenues from
those activities shall be deemed to be in competition with the Company);
provided that such provision shall not apply to the Executive's ownership of
Common Stock of the Company or the acquisition by the Executive, solely as an
investment, of securities of any issuer that is registered under Section 12(b)
or 12(g) of the Securities Exchange Act of 1934, as amended, and that are listed
or admitted for trading on any United States national securities exchange or
that are quoted on the Nasdaq, or any similar system or automated dissemination
of quotations of securities prices in common use, so long as the Executive does
not control, acquire a controlling interest in or become a member of a group
which exercises direct or indirect control or, more than one percent (1%) of any
class of capital stock of such corporation.

                           6.2 NONDISCLOSURE. The Executive shall not during the
Executive's employment under this Agreement or after the termination of such
employment divulge, communicate, use to the detriment of the Company or for the
benefit of any other person or persons, or misuse in any way, any Confidential
Information (as hereinafter defined) pertaining to the business of the Company.
Any Confidential Information or data now or hereafter acquired by the Executive
with respect to the business of the Company (which shall include, but not be
limited to, information concerning the Company's financial condition, prospects,
technology, customers, suppliers, sources of leads and methods of doing
business) shall be deemed a valuable, special and unique asset of the Company
that is received by the Executive in confidence and as a fiduciary, and
Executive shall remain a fiduciary to the Company with respect to all of such
information. For purposes of this Agreement, "Confidential Information" means
information disclosed to the Executive or known by the Executive as a
consequence of or through the Executive's employment by the Company (including
information conceived, originated, discovered or developed by the Executive)
prior to or after the date hereof (up to the date of termination of the
Executive's employment pursuant to this Agreement), and whose existence or
significance or utility in respect of the Company or its business is not
generally known. Notwithstanding the foregoing, nothing herein shall be deemed
to restrict the Executive from disclosing Confidential Information to the extent
required by law or in the valid performance of the Executive's duties.

<PAGE>

                           6.3 NONSOLICITATION OF EMPLOYEES AND CLIENTS. At all
times while the Executive is employed by the Company and for a one (1) year
period after the termination of the Executive's employment with the Company for
any reason, the Executive shall not, directly or indirectly, for the Executive
or for any other person, firm, corporation, partnership, association or other
entity (a) employ or attempt to employ or enter into any contractual arrangement
with any employee or former employee of the Company, until a period of at least
six (6) months has elapsed from the date of termination of the employment of
such person with the Company, and/or (b) call on or solicit any of the actual or
targeted prospective clients of the Company on behalf of any person or entity in
connection with any business competitive with the business of the Company, while
the Executive is employed by the Company, or in connection with any email direct
marketing business for a one-year period after the termination of the
Executive's employment, nor shall the Executive make known the names and
addresses of such clients or any information relating in any manner to the
Company's trade or business relationships with such customers, other than in
connection with the performance of the Executive's duties under this Agreement.

                           6.4 OWNERSHIP OF DEVELOPMENTS. All copyrights,
patents, trade secrets, or other intellectual property rights associated with
any ideas, concepts, techniques, inventions, processes, or works of authorship
developed or created by the Executive during the course of performing work for
the Company or its clients (collectively, the "Work Product") shall belong
exclusively to the Company and shall, to the extent possible, be considered a
work made by the Executive for hire for the Company within the meaning of Title
17 of the United States Code. To the extent the Work Product may not be
considered work made by the Executive for hire for the Company, the Executive
agrees to assign, and automatically assigns at the time of creation of the Work
Product, without any requirement of further consideration, any right, title, or
interest the Executive may have in such Work Product. Upon the request of the
Company, the Executive shall take such further actions, including execution and
delivery of instruments of conveyance, as may be appropriate to give full and
proper effect to such assignment.

                           6.5 BOOKS AND RECORDS. All books, records, and
accounts relating in any manner to the customers or clients of the Company,
whether prepared by the Executive or otherwise coming into the Executive's
possession, shall be the exclusive property of the Company and shall be returned
immediately to the Company on termination of the Executive's employment
hereunder or on the Company's request at any time, upon which the Executive
shall not retain any copies of the same in any media whatsoever.

                           6.6 DEFINITION OF COMPANY. Solely for purposes of
this Article 6, the term "Company" also shall include any existing or future
subsidiaries of the Company that are operating during the time periods described
herein and any other entities that directly or indirectly, through one or more
intermediaries, control, are controlled by or are under common control with the
Company during the periods described herein.

                           6.7 ACKNOWLEDGMENT BY EXECUTIVE. The Executive
acknowledges and confirms that (a) the restrictive covenants contained in this
Article 6 are reasonable and necessary to protect the legitimate business
interests of the Company, and (b) the restrictions contained in this Article 6

<PAGE>

(including without limitation the length of the term of the provisions of this
Article 6) are not overbroad, overlong, or unfair and are not the result of
overreaching, duress or coercion of any kind. The Executive further acknowledges
and confirms that the Executive's full, uninhibited and faithful observance of
each of the covenants contained in this Article 6 will not cause the Executive
any undue hardship, financial or otherwise, and that enforcement of each of the
covenants contained herein will not impair the Executive's ability to obtain
employment commensurate with the Executive's abilities and on terms fully
acceptable to the Executive or otherwise to obtain income required for the
comfortable support of the Executive and the Executive's family and fulfillment
of the Executive's obligations to the Executive's creditors. The Executive
acknowledges and confirms that the Executive's special knowledge of the business
of the Company is such as would cause the Company serious injury or loss if the
Executive were to use such ability and knowledge to the benefit of a competitor
or were to compete with the Company in violation of the terms of this Article 6.
The Executive further acknowledges that the restrictions contained in this
Article 6 are intended to be, and shall be, for the benefit of and shall be
enforceable by, the Company and its successors and assigns, including, without
limitation, any successor to the Company, whether by merger, consolidation, sale
of stock, sale of assets or otherwise.

                           6.8 REFORMATION BY COURT. In the event that a court
of competent jurisdiction shall determine that any provision of this Article 6
is invalid or more restrictive than permitted under the governing law of such
jurisdiction, then only as to enforcement of this Article 6 within the
jurisdiction of such court, such provision shall be interpreted and enforced as
if it provided for the maximum restriction permitted under such governing law.

                           6.9 EXTENSION OF TIME. [INTENTIONALLY OMITTED]

                           6.10 SURVIVAL. The provisions of this Article 6 shall
survive the termination of this Agreement, as applicable.

                  7. INJUNCTION. It is recognized and hereby acknowledged by the
parties hereto that a breach by the Executive of any of the covenants contained
in Article 6 of this Agreement will cause irreparable harm and damage to the
Company, the monetary amount of which may be virtually impossible to ascertain.
As a result, the Executive recognizes and hereby acknowledges that the Company
shall be entitled, without the necessity of proving damages or posting a bond,
to an injunction from any court of competent jurisdiction enjoining and
restraining any violation of any or all of the covenants contained in Article 6
of this Agreement by the Executive or any of the Executive's affiliates,
associates, partners or agents, either directly or indirectly, and that such
right to injunction shall be cumulative and in addition to whatever other
remedies the Company may possess. If the Company should fail to obtain any
injunction when the Company seeks an injunction pursuant to this Section (other
than due to the fact that the parties reach a settlement or the Executive ceases
the activities complained of by the Company without need of an injunction), then
the Company shall reimburse the Executive for the Executive's reasonable
attorney's fees and expenses pertaining to the proceedings to seek the
injunction.

<PAGE>

                  8. MEDIATION. In the event a dispute arises out of or relates
to this Agreement, or the breach thereof, and if the dispute cannot be settled
through negotiation, the parties hereby agree first to attempt in good faith to
settle the dispute by mediation administered by the American Arbitration
Association under its Employment Mediation Rules before resorting to arbitration
as set forth in Section 9 below. Notwithstanding the foregoing, (i) the Company
has the right to seek an injunction under Section 7 hereof, and (ii) either
party may seek an injunction or entry of judgment on an arbitration award under
Section 9 of this Agreement. The cost and expenses of mediators (but not the
fees and expenses of any counsel or other professional representing any party
other than the Company) shall be borne by the Company. If any dispute is settled
by mediation pursuant to this Section and the Company fails to achieve any
decision in its favor, then the Company shall reimburse the Executive for the
Executive's reasonable attorneys' fees and expenses pertaining to the mediation
proceedings.

                  9. ARBITRATION. In the event that mediation pursuant to
Section 8 of this Agreement has failed after thirty (30) days or the parties to
this Agreement both agree not to mediate, any dispute or controversy arising
under or in connection with this Agreement shall be settled exclusively by
arbitration in New York County, New York, in accordance with the Rules of the
American Arbitration Association then in effect with respect to arbitration of
commercial matters (except to the extent that the procedures outlined below
differ from such rules). Within ten (10) days after written notice by either
party has been given that a dispute exists and that arbitration is required,
each party must select an arbitrator and those two arbitrators shall promptly,
but in no event later than ten (10) days after their selection, select a third
arbitrator. The parties agree to act as expeditiously as possible to select
arbitrators and conclude the dispute. The selected arbitrators must render their
decision in writing. The cost and expenses of the arbitrators (but not the fees
and expenses of any counsel or other professional representing any party other
than the Company) shall be borne by the Company. Judgment may be entered on the
arbitrators' award in any court having jurisdiction. Pursuit of an injunction
shall not impair arbitration on all remaining issues. If any dispute is settled
by arbitration pursuant to this Section and the Company fails to achieve any
decision in its favor, then the Company shall reimburse the Executive for the
Executive's reasonable attorneys' fees and expenses pertaining to the
arbitration proceedings.

                  10. ASSIGNMENT. Neither party shall have the right to assign
or delegate their rights or obligations hereunder, or any portion thereof, to
any other person, except that the rights of the Company may be assigned by the
Company to any person or entity acquiring a substantial portion of the Company's
assets or to any successor of the Company.

                  11. GOVERNING LAW. This Agreement shall be governed by and
construed in accordance with the laws of the State of New York.

                  12. ENTIRE AGREEMENT. This Agreement constitutes the entire
agreement between the parties hereto with respect to the subject matter hereof
and, upon its effectiveness, shall supersede all prior agreements,
understandings and arrangements, both oral and written, between the Executive
and the Company (or any of its affiliates) with respect to such subject matter.
Notwithstanding the foregoing, this Agreement does not modify or supersede the

<PAGE>

agreement whereby the Executive agreed to join the Company's Board of Directors,
and said agreement remains in full force and effect. This Agreement may not be
modified in any way unless by a written instrument signed by both the Company
and the Executive.

                  13. NOTICES: All notices required or permitted to be given
hereunder shall be in writing and shall be personally delivered or sent by
same-day or overnight courier, sent by registered or certified mail, all
applicable postage prepaid, return receipt requested or sent by confirmed
facsimile transmission addressed as set forth herein. Notices personally
delivered, sent by facsimile or sent by overnight courier shall be deemed given
on the date of delivery and notices mailed in accordance with the foregoing
shall be deemed given upon the earlier of receipt by the addressee, as evidenced
by the return receipt thereof, or three (3) days after deposit in the U.S. mail.
Notice shall be sent (i) if to the Company, addressed to NetCreations, Inc., 379
West Broadway, Suite 202, New York, New York 10012, attention: Chief Executive
Officer, with a copy to Greenberg Traurig, Met Life Building, 200 Park Avenue,
15th Floor, New York, New York 10166, Attention: Andrew J. Cosentino, Esq.; and
(ii) if to the Executive, to the Executive's address as reflected on the payroll
records of the Company, or to such other address as either party hereto may from
time to time give notice of to the other.

                  14. BENEFITS; BINDING EFFECT. This Agreement shall be for the
benefit of and binding upon the parties hereto and their respective heirs,
personal representatives, legal representatives, and successors, including,
without limitation, any successor to the Company, whether by merger,
consolidation, sale of stock, sale of assets or otherwise. Notwithstanding
anything to the contrary in this Agreement, neither this Agreement nor the Stock
Options contemplated hereby shall be effective or binding until the same shall
have been approved by the Company's Board of Directors., whether by merger,
consolidation, sale of stock, sale of assets or otherwise.

                  15. SEVERABILITY. The invalidity of any one or more of the
words, phrases, sentences, clauses or sections contained in this Agreement shall
not affect the enforceability of the remaining portions of this Agreement or any
part thereof, all of which are inserted conditionally on their being valid in
law, and, in the event that any one or more of the words, phrases, sentences,
clauses or sections contained in this Agreement shall be declared invalid, this
Agreement shall be construed as if such invalid word or words, phrase or
phrases, sentence or sentences, clause or clauses, or section or sections had
not been inserted. If such invalidity is caused by length of time or size of
area, or both, the otherwise invalid provision will be considered to be reduced
to a period or area which would cure such invalidity.

                  16. WAIVERS. The waiver by either party hereto of a breach or
violation of any term or provision of this Agreement shall not operate nor be
construed as a waiver of any subsequent breach or violation.

                  17. DAMAGES. Subject to compliance with Sections 7, 8 and 9 of
this Agreement, to the extent applicable, nothing contained herein shall be
construed to prevent the Company or the Executive from seeking and recovering
from the other damages sustained by either or both of them as a result of its or

<PAGE>

the Executive's breach of any term or provision of this Agreement. In the event
that either party hereto brings suit for the collection of any damages resulting
from, or the injunction of any action constituting, a breach of any of the terms
or provisions of this Agreement, then the party found to be at fault shall pay
all reasonable court costs and attorneys' fees of the other.

                  18. SECTION HEADINGS. The section headings contained in this
Agreement are for reference purposes only and shall not affect in any way the
meaning or interpretation of this Agreement.

                  19. NO THIRD PARTY BENEFICIARY. Nothing expressed or implied
in this Agreement is intended, or shall be construed, to confer upon or give any
person any rights or remedies under or by reason of this Agreement, other than
the Company, the parties hereto and their respective heirs, personal
representatives, legal representatives, and successors, including, without
limitation, any successor to the Company, whether by merger, consolidation, sale
of stock, sale of assets or otherwise.

                  20. INDEMNIFICATION.

                                    a. The Company shall indemnify and hold
harmless the Executive to the fullest extent permitted by law from and against
any and all claims, damages, expenses (including reasonable attorneys' fees),
judgments, penalties, fines, settlements, and all other liabilities incurred or
paid by the Executive in connection with the investigation, defense,
prosecution, settlement or appeal of any threatened, pending or completed
action, suit or proceeding, whether civil, criminal, administrative or
investigative and to which the Executive was or is a party or is threatened to
be made a party by reason of the fact that the Executive is or was an officer,
employee or agent of the Company, or by reason of anything done or not done by
the Executive in any such capacity or capacities, provided that the Executive
acted in good faith, in a manner that was not grossly negligent and did not
constitute willful misconduct and in a manner the Executive reasonably believed
to be in or not opposed to the best interests of the Company, and, with respect
to any criminal action or proceeding, had no reasonable cause to believe the
Executive's conduct was unlawful. The Company also shall pay any and all
reasonable expenses (including attorney's fees) incurred by the Executive as a
result of the Executive being called as a witness in connection with any matter
involving the Company and/or any of its officers or directors (other than an
action or suit by the Company against the Executive).

                                    b. The Company shall pay any reasonable
expenses (including attorneys' fees), judgments, penalties, fines, settlements,
and other liabilities incurred by the Executive in investigating, defending,
settling or appealing any action, suit or proceeding described in this Section
20 (other than an action or proceeding by the Company against the Executive) in
advance of the final disposition of such action, suit or proceeding. The Company
shall promptly pay the amount of such expenses to the Executive, but in no event
later than ten (10) days following the Executive's delivery to the Company of a
written request for an advance pursuant to this Section 20, together with a
reasonable accounting of such expenses.

<PAGE>

                                    c. The Executive hereby undertakes and
agrees to repay to the Company any advances made pursuant to this Section 20 if
and to the extent that it shall ultimately be agreed by the parties or
determined by a court that the Executive is not entitled to be indemnified by
the Company for such amounts.

                                    d. The Company shall make the advances
contemplated by this Section 20 regardless of the Executive's financial ability
to make repayment, and regardless of whether indemnification of the Indemnitee
by the Company will ultimately be required. Any advances and undertakings to
repay pursuant to this Section 20 shall be unsecured and interest-free.

             [THE BALANCE OF THIS PAGE IS INTENTIONALLY LEFT BLANK.]

               e. The provisions of this Section 20 shall survive
the termination of this Agreement.

<PAGE>

         IN WITNESS WHEREOF, the undersigned have executed this Agreement as of
the date first above written.

                                          COMPANY:
                                          NETCREATIONS, INC.
                                          By:___________________________________
                                             Name:  Rosalind Resnick
                                             Title: Chief Executive Officer

                                          EXECUTIVE:
                                          By:___________________________________
                                               Mitchell York, individually

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