Document:

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                                                                   Exhibit 10.11

                              EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT (this "Agreement") is entered into as of, April 13,
     2002, (the "Effective Date") by and between Tropical Sportswear Int'l
     Corporation, a Florida corporation (the "Company"), and Frank A. Maccarrone
     (the "Employee").

                                    RECITALS:

         By entering into this Agreement, the Company desires to provide the
Employee with substantial incentives to serve the Company without distraction or
concern over minimum compensation, benefits or tenure, to develop and implement
the Company's business plan and to manage the Company's future growth and
development and to maximize the returns to the Company's stockholders. Employee
desires to accomplish those goals and to provide excellent service to, and for
the benefit of, the Company.

         NOW, THEREFORE, in consideration of the foregoing and the mutual
provisions contained herein, and for other good and valuable consideration, the
parties hereto agree with each other as follows:

1.       EMPLOYMENT

   A.        On the terms and subject to the conditions hereinafter set forth,
             the Company will employ the Employee as Executive Vice President
             and Chief Operating Officer or such other executive positions as
             the Company may from time to time assign, and the Employee agrees
             to serve in those positions. The Employee shall perform such
             duties, and have such powers, authority, functions, duties and
             responsibilities for the Company and corporations Affiliated with
             the Company as are commensurate and consistent with his position.
             The Employee also shall have such additional powers, authority,
             functions, duties and responsibilities as may be assigned to him or
             her by the President, Chief Executive Officer or Board of
             Directors.

   B.        The Employee shall not, at any time during the Term of Employment,
engage in any other activities unless these activities do not interfere
materially with the Employee's duties and responsibilities for the Company at
that time.

2.       TERM OF EMPLOYMENT

         The term of the Employee's Employment shall be for a term of one (1)
year (the "Term") commencing on the Effective Date and renew each day of the
Term thereafter for an additional day without further action by the Company or
the Employee, it being the intention of the parties that from the Effective Date
there shall be a continuously remaining Term of one (1) year duration of the
Employee's Employment unless the Agreement is terminated in accordance with
Section 4 below. The effective date of any termination shall be the "Termination
Date" and may be set by the Company in its discretion, pursuant to Section 4
below. In the event that Employee's Employment hereunder shall not have
otherwise been terminated, such Employment shall terminate at the end of the
Company's fiscal year in which the Employee reaches age sixty-five (65).

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3.       COMPENSATION

         A.       Base Salary. A Base Salary shall be payable to the Employee by
the Company as a guaranteed minimum annual amount hereunder for each
Compensation Year during the period from the Effective Date to the Termination
Date. That Base Salary shall be payable in the intervals consistent with the
Company's normal payroll schedules (but in no event less frequently than
semi-monthly), shall be payable initially at the annual rate of $250,000.

         On the first and each subsequent anniversary of the Company's fiscal
year, the Base Salary shall be increased by the greater of the same percentage
increase (if any) in the CPI for the twelve (12) month period immediately
preceding such anniversary or such amount that the Company shall determine.

         B.       Annual Cash Bonus. The Annual Cash Bonus, if any, shall be
determined solely in the discretion of the Company.

4.       TERMINATION

         A.       Termination by Company with Cause. The Company may terminate
Employee at any time upon notice for "cause." "Cause" shall mean and be limited
to:

             (11) the Employee's commission or conviction of, or plea of guilty
                  or nolo contendere to, any crime or offense involving money or
                  other property of the Company or others or which constitutes a
                  felony or a crime involving moral turpitude in the
                  jurisdiction involved;

             (12) fraud on the Company or otherwise relating to the Company or
                  its business;

             (13) theft of any property of the Company;

             (14) use of illegal drugs, misuse of prescription drugs that
                  affects the Employee's performance or repeated abuse of
                  alcohol in connection with employment or any Company duty or
                  function;

             (15) any willful material breach by the Employee of the performance
                  of his duties pursuant to this Agreement which continues after
                  written notice from the Company;

             (16) Failure or refusal by the Employee to carry out or abide by a
                  directive of the President, Chief Executive Officer or the
                  Board of Directors, or their designees, within five (5)
                  business days after receipt of written notice of the alleged
                  failure or refusal;

             (17) material misrepresentation by the Employee to any officer or
                  director of the Company;

             (18) the Employee's continued poor performance or nonperformance of
                  his duties for more than thirty (30) days after receipt of
                  written notice from the Company detailing the poor performance
                  or nonperformance and demanding cure;

             (19) any disclosure by the Employee to any person, firm or
                  corporation other than the Company and its directors,
                  officers, and employees of any material confidential
                  information or trade secrets of the Company which is
                  detrimental to the interests of the Company or made outside
                  the scope of the Employee's duties to the Company;

             (20) engaging by the Employee, without prior consent of the Board
                  of Directors of the Company, in any other business other than
                  the business of the Company which interferes in any material
                  respect with the performance of Employee's duties.

If the employment of the Employee is terminated by the Company for cause, the
Employee will not be entitled to any

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separation benefits and Employee's salary, bonus, benefits and business expense
reimbursements shall cease as of the date of termination. All salary, bonuses on
a prorata basis, benefits and business expense reimbursements that are earned
and due to the Employee hereunder and not paid up to the Termination Date shall
be paid to the Employee within forty-five (45) days after the Termination Date.

         B.       Termination by the Company Without Cause. If the Company
terminates the Employee's employment without Cause at any time and Employee
executes a general release of claims in a form acceptable to the Company:

                  (a) the Company shall pay to the Employee one (1) year of his
or her Annual Base Salary then in effect.

         C.       Relief of Duties. The Company may, during any notice period or
at any other time, in its discretion, relieve the Employee of his duties without
terminating him so long as the Company continues to pay and provide all of the
Employee's regular compensation and benefits.

5.       OTHER EMPLOYEE RIGHTS

       A. Paid Vacation; Holidays. The Employee shall be entitled to annual
          vacation and all legal holidays during which times his applicable
          compensation shall be paid in full in accordance with Company policies
          in effect from time to time.

       B. Fringe Benefits. During the term of this agreement, the Employee is
          entitled to the same level of fringe benefits currently provided to
          Employee by the Company.

       C. Business Expenses. The Employee is authorized to incur, and will be
          entitled to receive prompt reimbursement for, all reasonable expenses
          incurred by the Employee in performing his duties and carrying out his
          responsibilities hereunder, including air fare and hotels, business
          meals, entertainment and travel expenses, provided that the Employee
          complies with the applicable policies, practices and procedures of the
          Company relating to the submission of expense reports, receipts or
          similar documentation of those expenses. The Company shall either pay
          directly or promptly reimburse the Employee for such expenses not more
          than twenty (20) days after the submission to the Company by the
          Employee from time to time of an itemized accounting and acceptable
          evidence of such expenditures for which direct payment or
          reimbursement is sought.

6.       PROTECTIVE COVENANTS

        A.        Definitions. The following capitalized terms used in this
Section 6 shall have the meanings assigned to them below, which definitions
shall apply to both the singular and the plural forms of such terms:

                  "Competitive Position" means any employment with a Competitor
in which the Employee will use or is likely to use any Confidential Information
or Trade Secrets, or in which the Employee has duties for such Competitor that
relate to Competitive Services and that are the same or similar to those
services actually performed by the Employee for the Company;

                  "Competitive Services" means the merchandising, manufacturing,
distribution, selling or marketing of apparel products.

                  "Competitor" means any Person engaged, wholly or in part, in
Competitive Services.

                  "Confidential Information" means all information regarding the
Company, its activities, business or clients that is the subject of reasonable
efforts by the Company to maintain its confidentiality and that is not generally
disclosed by practice or authority to persons not employed by the Company, but
that does not rise to the level of a Trade Secret. "Confidential Information"
shall include, but is not limited to, sales and marketing

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techniques and plans, lists of contact data, technical data relating to the
Company's products or production techniques, purchase and supply information,
details of client or consultant contracts, current and anticipated customer
requirements, pricing policies, client billing information, price lists, market
studies, business plans, operational methods, marketing plans or strategies,
product development techniques or plans, financial plans and data concerning the
Company, and management planning information. "Confidential Information" shall
not include information that has become generally available to the public by the
act of one who has the right to disclose such information without violating any
right or privilege of the Company. This definition shall not limit any
definition of "confidential information" or any equivalent term under state or
federal law.

                  "Person" means any individual or any corporation, partnership,
joint venture, limited liability company, association or other entity or
enterprise.

                  "Principal or Representative" means a principal, owner,
partner, shareholder, joint venturor, investor, member, trustee, director,
officer, manager, employee, agent, representative or consultant.

                  "Protected Customers" means any Person to whom the Company has
sold its products or services or solicited to sell its products or services
during the twelve (12) months prior to the termination Date.

                  "Protected Employees" means employees of the Company who were
employed by the Company at any time within six (6) months prior to the
termination Date.

                  "Protected Suppliers" means any person from whom the Company
has purchased products or services or solicited to purchase products or services
during the twelve (12) months prior to the termination Date.

                  "Restricted Period" means the Period of Employment and a
period extending one (1) year from the termination of the Employee's employment
with the Company for any reason whatsoever.

                  "Restricted Territory" means the United States and North,
Central and South America, the United Kingdom, Western Europe, Australia, New
Zealand, and Fiji. The Company and the Employee acknowledge and agree that the
Company and its subsidiaries do business and sell men's, women's, boys' and
girls' sportswear (tops and bottoms) in all 50 states of the United States and
in each other country in the Restricted Territory.

                  "Restrictive Covenants" means the restrictive covenants
contained in Section 12(c) hereof.

                  "Trade Secret" means all information regarding the Company,
without regard to form, including, but not limited to, technical or nontechnical
data, a formula, a pattern, a compilation, a program, a device, a method, a
technique, a drawing, a process, financial data, financial plans, product plans,
distribution lists or a list of actual or potential customers, advertisers or
suppliers which is not commonly known by or available to the public and which
information: (A) derives economic value, actual or potential, from not being
generally known to, and not being readily ascertainable by proper means by,
other persons who can obtain economic value from its disclosure or use; and (B)
is the subject of efforts that are reasonable under the circumstances to
maintain its secrecy. Without limiting the foregoing, Trade Secret means any
item of Confidential Information that constitutes a "trade secret(s)" under the
common law or statutory law of the State of Florida.

         B.       Restrictive Covenants.

                           (a)      Restriction on Disclosure and Use of
Confidential Information and Trade Secrets. The Employee understands and agrees
that the Confidential Information and Trade Secrets constitute valuable assets
of the Company and its affiliated entities, and may not be converted to the
Employee's own use. Accordingly, the Employee hereby agrees that the Employee
shall not, directly or indirectly, at any time during the Restricted Period
reveal, divulge, or disclose to any Person not expressly authorized by the
Company any Confidential Information, and the Employee shall not, directly or
indirectly, at any time during the Restricted Period use or make use of any
Confidential Information in connection with any business activity other than
that of the Company. Throughout the term of this Agreement and at all times
after the date that this Agreement terminates for any reason, the Employee shall
not directly or indirectly transmit or disclose any Trade Secret of the Company
to any Person, and shall not make use of any such Trade Secret, directly or
indirectly, for himself or for others, without the prior written consent of the
Company. The parties acknowledge and agree that this Agreement is not intended
to,

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and does not, alter either the Company's rights or the Employee's obligations
under any state or federal statutory or common law regarding trade secrets and
unfair trade practices.

         Anything herein to the contrary notwithstanding, the Employee shall not
be restricted from disclosing or using Confidential Information that is required
to be disclosed by law, court order or other legal process; provided, however,
that in the event disclosure is required by law, the Employee shall provide the
Company with prompt notice of such requirement so that the Company may seek an
appropriate protective order prior to any such required disclosure by the
Employee.

                           (b)      Nonsolicitation of Protected Employees. The
Employee understands and agrees that the relationship between the Company and
each of its Protected Employees constitutes a valuable asset of the Company and
may not be converted to the Employee's own use. Accordingly, the Employee hereby
agrees that during the Restricted Period the Employee shall not directly or
indirectly on the Employee's own behalf or as a Principal or Representative of
any Person or otherwise solicit or induce any Protected Employee to terminate
his or her employment relationship with the Company or to enter into employment
with any other Person.

                           (c)      Restriction on Relationships with Protected
Customers and Protected Suppliers. The Employee understands and agrees that the
relationships between the Company and each of its Protected Customers and
between the Company and each of its Protected Suppliers constitutes valuable
assets of the Company and may not be converted to the Employee's own use.
Accordingly, the Employee hereby agrees that, during the Restricted Period, the
Employee shall not, without the prior written consent of the Company, directly
or indirectly, on the Employee's own behalf or as a Principal or Representative
of any Person, solicit, divert, take away or attempt to solicit, divert or take
away (i) a Protected Customer for the purpose of providing or selling
Competitive Services or (ii) a Protected Supplier for the purpose of acquiring
or purchasing goods or services in connection with providing or selling
Competitive Services; provided, however, that the prohibition of this covenant
shall apply only to Protected Customers and Protected Suppliers with whom the
Employee had Material Contact on the Company's behalf during the twelve (12)
months immediately preceding the termination of his employment hereunder. For
purposes of this Agreement, the Employee had "Material Contact" with a Protected
Customer or a Protected Customer if (a) he had business dealings with the
Protected Customer or Protected Customer, as the case may be, on the Company's
behalf; (b) he was responsible for supervising or coordinating the dealings
between the Company and the Protected Customer or Protected Customer, as the
case may be; or (c) he obtained Trade Secrets or Confidential Information about
the Protected Customer, as the case may be, as a result of his association with
the Company.

                           (d)      Noncompetition with the Company. The parties
acknowledge: (i) that the Employee's services under this Agreement require
special expertise and talent in the provision of Competitive Services and that
the Employee will have substantial contacts with customers, suppliers,
advertisers and vendors of the Company; (ii) that pursuant to this Agreement,
the Employee will be placed in a position of trust and responsibility and he
will have access to a substantial amount of Confidential Information and Trade
Secrets and that the Company is placing him in such position and giving him
access to such information in reliance upon his agreement not to compete with
the Company during the Restricted Period; (iii) that due to his management
duties, the Employee will be the repository of a substantial portion of the
goodwill of the Company and would have an unfair advantage in competing with the
Company; (iv) that due to the Employee's special experience and talent, the loss
of the Employee's services to the Company under this Agreement cannot reasonably
or adequately be compensated solely by damages in an action at law; (v) that the
Employee is capable of competing with the Company; and (vi) that the Employee is
capable of obtaining gainful, lucrative and desirable employment that does not
violate the restrictions contained in this Agreement. In consideration of the
compensation and benefits being paid and to be paid by the Company to the
Employee hereunder, the Employee hereby agrees that, during the Restricted
Period, the Employee will not, without prior written consent of the Company,
directly or indirectly seek or obtain a Competitive Position in the Restricted
Territory with a Competitor; provided, however, that the provisions of this
Agreement shall not be deemed to prohibit the ownership by the Employee of any
securities of the Company or its affiliated entities or not more than five
percent (5%) of any class of securities of any corporation having a class of
securities registered pursuant to the Securities Exchange Act of 1934, as
amended.

                           (e)      Enforcement of Restrictive Covenants.

                           (i)      Rights and Remedies Upon Breach. In the
event the Employee breaches,

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or threatens to commit a breach of, any of the provisions of the Restrictive
Covenants, the Company shall have the following rights and remedies, which shall
be independent of any others and severally enforceable, and shall be in addition
to, and not in lieu of, any other rights and remedies available to the Company
at law or in equity:

                                    (A)      the right and remedy to enjoin,
preliminarily and permanently, the Employee from violating or threatening to
violate the Restrictive Covenants and to have the Restrictive Covenants
specifically enforced by any court of competent jurisdiction, it being agreed
that any breach or threatened breach of the Restrictive Covenants would cause
irreparable injury to the Company and that money damages would not provide an
adequate remedy to the Company; and

                                    (B)      the right and remedy to require the
Employee to account for and pay over to the Company all compensation, profits,
monies, accruals, increments or other benefits derived or received by the
Employee as the result of any transactions constituting a breach of the
Restrictive Covenants.

                           (ii)     Severability of Covenants. the Employee
acknowledges and agrees that the Restrictive Covenants are reasonable and valid
in time and scope and in all other respects. The covenants set forth in this
Agreement shall be considered and construed as separate and independent
covenants. Should any part or provision of any covenant be held invalid, void or
unenforceable in any court of competent jurisdiction, such invalidity, voidness
or unenforceability shall not render invalid, void or unenforceable any other
part or provision of this Agreement. If any portion of the foregoing provisions
is found to be invalid or unenforceable by a court of competent jurisdiction
because its duration, the territory, the definition of activities or the
definition of information covered is considered to be invalid or unreasonable in
scope, the invalid or unreasonable term shall be redefined, or a new enforceable
term provided, such that the intent of the Company and the Employee in agreeing
to the provisions of this Agreement will not be impaired and the provision in
question shall be enforceable to the fullest extent of the applicable laws.

7.       RIGHTS TO AND RETURN OF MATERIALS

         The Company and the Employee acknowledge that in the course of the
Employee's employment (as employee or independent contractor) by the Company,
the Employee may from time to time create, for the Company copyrightable works.
Such works may consist of manuals, pamphlets, instructional materials, computer
programs, software, software integration techniques, software codes, and data,
technical data, photographs, drawings, logos, designs, artwork or other
copyrightable material, or portions thereof, and may be created within or
without Company's facilities and before, during or after normal business hours.
All such works related to or useful in the business of the Company are
specifically intended to be works made by hire by the Employee, and the Employee
shall cooperate with the Company in the protection of the Company's copyrights
in such works and, to the extent deemed desirable by the Company, the
registration of such copyrights.

         All records, files, software, software code, memoranda, reports, notes,
price lists, customer lists, drawings, plans, sketches, documents, technical
information, information on the use, development and integration of software,
and the like (together with all copies of such documents and things) relating to
the business of the Company, which the Employee shall use or prepare or come in
contact with in the course of, or as a result of, the Employee's employment or
other engagement by the Company shall, as between the parties to this Agreement,
remain the sole property of the Company. Laptop computers, other computers, cell
phones, pagers, software and related data, information and things provided to
the Employee by the Company or obtained by the Employee, directly or indirectly,
from the Company, also shall remain the sole property of the Company. Upon the
termination of the Employee's employment or upon the prior demand of the
Company, the Employee shall immediately return all such materials and things to
the Company and shall not retain any copies or remove or participate in removing
any such materials or things from the premises of the Company after termination
or the Company's request for return.

8.       GENERAL PROVISION

       A. Governing Law. This Agreement shall be construed and regulated under
          and by the laws of the State of Florida. Personal jurisdiction for any
          proceeding brought pursuant to this Agreement shall be vested in the
          appropriate County or Circuit Court of the Thirteenth Judicial Circuit
          in and for Hillsborough

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          County, Florida, or the Federal District Court of the Middle District
          of Florida, Hillsborough County Division. Venue for any legal action
          authorized hereunder shall be in Hillsborough County, Florida. Both
          parties consent to such jurisdiction and venue.

       B. Severability. If any provision of this Agreement is deemed to be
          unenforceable in accordance with its term, but would be considered
          enforceable if the time period or geographic area of its effect is
          reduced, then such provision shall be so reduced with the excessive
          aspects of the offending provisions deemed severed and deleted from
          this Agreement with the Agreement enforceable in full in accordance
          with its terms as so modified. If, however, any portion of the
          foregoing provisions is found to be invalid or unenforceable by a
          court of competent jurisdiction because of its duration, the
          territory, the definition of activities or the definition of
          information covered is invalid or unreasonable in scope, the invalid
          or unreasonable term shall be redefined, or a new enforceable term
          provided, such that the intent of the Company and the Employee in
          agreeing to the provisions of this Agreement will not be impaired and
          the provision in question shall be enforceable to the fullest extent
          of the applicable laws.

       C. Notices. Whenever notice is required to be given hereunder, written
          notice mailed or delivered to the Company at 4902 West Waters Avenue,
          Tampa, Florida 33634 (if intended for the Company), or such other
          address as the Company shall furnish in writing, shall constitute
          sufficient notice to the Company; and written notice mailed or
          delivered to Employee at 15817 Hound Horn Lane, Tampa, FL 33624, or
          such other place as may be designated by Employee in writing, shall
          constitute sufficient notice to Employee. Where "the Company" or
          "Employee" consists of more than one party, notice to one shall
          constitute notice to all.

       D. Waiver or Modification. No waiver or modification of this Agreement or
          of any covenant, condition or limitation herein contained shall be
          valid unless in writing and duly executed by the party to be charged
          therewith. Furthermore, no evidence of any waiver or modification
          shall be offered or received in evidence in any proceeding,
          arbitration or litigation between the parties arising out of or
          affecting this Agreement or the rights or obligations of any party
          hereunder, unless such waiver or modification is in writing and duly
          executed as aforesaid. The provisions of this paragraph may not be
          waived except as herein set forth.

       E. Entire Agreement. This Agreement constitutes the entire agreement of
          the parties hereto with respect to the subject matter of this
          Agreement, and supersedes any and all previous agreements,
          negotiations and promises between the parties, whether written or
          oral, with respect to such subject matter.

       F. Amendment. No amendment of any provision of this Agreement shall be
          effective unless it is in writing and signed by both parties hereto,
          and then such waiver or amendment shall be effective only in the
          specific instance and for the specific purpose for which it is given.

       G. Assignment. Employee may not directly or indirectly transfer or assign
          any of its rights or obligations hereunder without prior written
          consent of the Company, which consent may be given or withheld in the
          Company's sole and exclusive discretion, and any such attempted
          assignment or transfer by Employee without the Company's consent shall
          be void. Except as otherwise provided herein, this Agreement shall
          bind and inure to the benefit of the Company and its successors and
          assigns and Employee and its successors, permitted assigns, heirs,
          devisees and legal representatives, as the case may be.

       H. Section Headings. Section, subsection and similar headings contained
          in this Agreement are for reference purposes only and shall not in any
          way affect the meaning or interpretation of this Agreement.

       I. Prior Agreements. Any prior agreement between Employee and the Company
          Agreement is terminated and superseded in its entirety by this
          Agreement.

       IN WITNESS WHEREOF, the parties have executed and delivered this
Agreement as of the day and year

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indicated above.

       TROPICAL SPORTSWEAR INT'L CORPORATION

                                               By: /s/ Terri Gonzalez

                                               Its: SVP Human Resources

                                               EMPLOYEE

                                               /s/ Frank A. Maccarrone
                                               Frank A. Maccarrone

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                                                                   Exhibit 10.38

                     AMENDMENT NO. 1 TO AMENDED AND RESTATED
                     LOAN AND SECURITY AGREEMENT AND WAIVER

         THIS AMENDMENT NO. 1 TO AMENDED AND RESTATED LOAN AND SECURITY
AGREEMENT AND WAIVER (this "Amendment") is made and entered into this 9th day of
September, 2003, by and among TROPICAL SPORTSWEAR INT'L CORPORATION, a Florida
corporation (individually and, in its capacity as the representative of the
other Borrowers pursuant to Section 3.4 of the Loan Agreement (as hereinafter
defined), "Tropical"), TROPICAL SPORTSWEAR COMPANY, INC., a Delaware corporation
("TSCI"), SAVANE INTERNATIONAL CORP., a Texas corporation ("Savane"), APPAREL
NETWORK CORPORATION, a Florida corporation ("Apparel"), TSI BRANDS, INC., a
Delaware corporation ("TSI"), TSIL, INC., a Delaware corporation ("TSIL"), DUCK
HEAD APPAREL COMPANY, LLC, a Georgia limited liability company ("Duck Head"),
and DELTA MERCHANDISING, INC., a South Carolina corporation ("Delta"; Tropical,
TSCI, Savane, Apparel, TSI, TSIL, Duck Head and Delta are collectively referred
to hereinafter as "Borrowers" and individually as a "Borrower"); the various
financial institutions party from time to time to the Loan Agreement (as
hereinafter defined) ("Lenders"); and FLEET CAPITAL CORPORATION, a Rhode Island
corporation ("Fleet"), in its capacity as collateral and administrative agent
for Lenders ("Agent").

                                    RECITALS:

         Agent, Lenders and Borrowers are parties to a certain Amended and
Restated Loan and Security Agreement dated June 6, 2003 (as at any time amended,
the "Loan Agreement"), pursuant to which Lenders have made certain revolving
credit loans and other extensions of credit to or for the benefit of Borrowers.

         An Event of Default has occurred and is continuing under the Loan
Agreement by reason of the existence of one or more defaults under the Bank of
America Loan Documents (such Event of Default, the "Designated Default").
Borrowers have informed Agent and Lenders that, at Borrowers' request, Fleet has
agreed to purchase from Bank of America, and Bank of America has agreed to
assign to Fleet, all of Bank of America's right, title and interest in and to
the Bank of America Loan Documents (the "Loan Documents Assignment").
Contemporaneously with the Loan Documents Assignment, Fleet and Tropical will
amend and restate certain of the Bank of America Loan Documents in their
entireties and Fleet will waive the default or defaults existing thereunder.

         In consideration of the foregoing and as an inducement to Fleet to
consummate the Loan Documents Assignment, Borrowers have requested that Agent
and Lenders amend the Loan Agreement as hereinafter set forth and waive the
Designated Default, and Agent and Lenders have agreed so to amend the Loan
Agreement and to waive the Designated Default, all upon the terms and subject to
the conditions hereinafter set forth.

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         NOW, THEREFORE, for TEN DOLLARS ($10.00) in hand paid and other good
and valuable consideration, the receipt and sufficiency of which are hereby
severally acknowledged, the parties hereto, intending to be legally bound
hereby, agree as follows:

         1.       DEFINITIONS. All capitalized terms used in this Amendment,
unless otherwise defined herein, shall have the meaning ascribed to such terms
in the Loan Agreement.

         2.       AMENDMENTS TO LOAN AGREEMENT. The Loan Agreement is hereby
amended as follows:

                  (a) By adding the following new Section 9.1.13:

                           Section 9.1.13. Additional Security. Borrower shall,
                  upon the request of all Lenders at any time and from time to
                  time during the continuation of an Event of Default, (a)
                  execute and deliver promptly to Agent any and all documents
                  and instruments necessary, in Agent's sole discretion, to
                  increase the principal amount secured by the Tropical Mortgage
                  up to an aggregate amount not to exceed $26,500,000, in each
                  case in appropriate form for recording in the applicable
                  jurisdiction, (b) pay timely all documentary stamp,
                  non-recurring intangibles and other taxes, fees and charges
                  which may be payable in connection with the execution,
                  delivery or recordation of any of the documents and
                  instruments delivered pursuant to clause (a) above, and (c)
                  furnish promptly to Agent the results of a recent title
                  examination of the records in which the Tropical Mortgage is
                  recorded, which report shall reflect no Liens other than
                  Permitted Liens.

                  (b) By amending Section 9.2.3 of the Loan Agreement by
         redesignating clauses (x) and (xi) thereof as clauses (xi) and (xii)
         and inserting the following new clause (x):

                                    (x)      the Term Loan Obligations;

         (c)      By amending Section 9.2.5 of the Loan Agreement by:

                   (i) deleting clause (viii) thereof and by substituting the
            following new clause (viii) in lieu thereof:

                           (viii) easements, rights-of-way, restrictions,
                  covenants or other agreements of record and other similar
                  charges or encumbrances on real Property of such Borrower or
                  any of its Subsidiaries that either (A) are in existence on
                  the Amendment No. 1 Effective Date and disclosed in the final
                  mortgagee title insurance policy delivered by Tropical to
                  Fleet pursuant to the terms of the Term Loan Agreement and
                  accepted by Fleet or (B) do not secure any monetary obligation
                  and do not interfere with the ordinary conduct of the business
                  of such Borrower or such Subsidiary;

                  (ii) redesignating clauses (xi) and (xii) thereof as clauses
         (xii) and (xiii) and inserting the following new clause (xi):

                           (xi) Liens in favor of Fleet securing the Term Loan
                  Obligations;

                                      - 2 -
<PAGE>

                  provided that any such Liens that encumber or purport to
                  encumber Collateral, other than the Tropical Real Properties,
                  shall be subordinated to the Agent's Liens thereupon on terms
                  and conditions satisfactory to Agent and Lenders;

         (d)      By deleting Section 11.1.18 in its entirety and substituting
the following new Section 11.1.18 in lieu thereof:

                  11.1.18 Term Loan Documents. A default or event of default
         shall occur under, or Tropical shall default in the performance or
         observance of any term, covenant, condition or agreement contained in
         any of the Term Loan Documents and such default shall continue beyond
         any applicable grace period.

         (e) By deleting the first sentence of Section 12.2.1 in its entirety
and by substituting the following new sentence in lieu thereof:

                  Lenders hereby irrevocably authorize Agent, at its option and
         in its discretion, to release any Lien upon any Collateral (i) upon the
         termination of the Commitments and payment or satisfaction of all of
         the Obligations, or (ii) constituting Equipment sold or disposed of in
         accordance with the terms of this Agreement if Borrowers certify to
         Agent that the disposition is made in compliance with the terms of this
         Agreement (and Agent may rely conclusively on any such certificate,
         without further inquiry).

         (f) By amending Section 12.9.1 by redesignating clauses (iv)(h) and
(iv)(i) thereof as clauses (iv)(i) and (iv)(j) and inserting the following new
clause (iv)(h):

                  (iv)(h) amend any provision of the Subordination Agreement or
         the definition of "Term Loan Obligations",

         (g) By deleting the table appearing in the definition of "Applicable
Margin" from Appendix A to the Loan Agreement and by substituting the following
new table in lieu thereof:

                                      - 3 -
<PAGE>

DRAFT, 01/12/04

<TABLE>
<CAPTION>
Average Availability for the
immediately preceding Fiscal              Revolver Loans
              Quarter                     Outstanding as:
--------------------------------------------------------------------------
                                          Base Rate Loan        LIBOR Loan
--------------------------------------------------------------------------
<S>                                       <C>                   <C>
Greater than $30,000,000                       1.25%               2.75%
--------------------------------------------------------------------------
Equal to or less than $30,000,000, but         1.50%               3.00%
greater than or equal to $20,000,000
--------------------------------------------------------------------------
Less than $20,000,000                          1.75%               3.25%
--------------------------------------------------------------------------
</TABLE>

         (h) By deleting the definition of "Default Rate" from Appendix A to the
Loan Agreement and by substituting the following new definition in lieu thereof:

                  Default Rate - on any date, a rate per annum that is equal to
         (i) in the case of each Loan outstanding on such date, 2% in excess of
         the rate otherwise applicable to such Loan on such date, and (ii) in
         the case of any of the other Obligations outstanding on such date, 2%
         plus the highest Applicable Margin for Base Rate Loans in effect on
         such date.

             (i)      By deleting the definition of "Dilution Reserve" from
Appendix A to the Loan Agreement and by substituting the following new
definition in lieu thereof:

                  Dilution Reserve - a reserve equal to the product of the
         Dilution Reserve Percentage multiplied by the face value of all
         Eligible Accounts.

         (j) By deleting the definition of "Dilution Reserve Period" from
   Appendix A to the Loan Agreement;

    (k)      By deleting the definition of "Inverse Inventory Percentage" from
   Appendix A to the Loan Agreement and by substituting the following new
   definition in lieu thereof:

                  Inverse Inventory Percentage - 100% minus the product of (i)
         85%, multiplied by (ii) the Net Orderly Liquidation Value Percentage.

         (l) By deleting the definition of "Projections" from Appendix A to
   the Loan Agreement and by substituting the following new definition in lieu
   thereof:

                  Projections - Borrowers' and their Subsidiaries' forecasted
         Consolidated balance sheets, profit and loss statements and cash flow
         statements, all prepared on a consistent basis with Borrowers' and
         their Subsidiaries' historical financial statements, together with
         appropriate supporting details and a statement of underlying
         assumptions.

                                        4
<PAGE>

                  (m) By deleting the definition of "Senior Subordinated Note
         Repurchase Conditions" from Appendix A to the Loan Agreement and by
         substituting the following new definition in lieu thereof:

                  Senior Subordinated Note Repurchase Conditions - each of the
         following conditions, the satisfaction of each of which is a condition
         to any repurchase of any of the Senior Subordinated Notes by Borrowers:
         (i) Borrowers shall have provided Agent with not less than 5 Business
         Day's prior written notice of its intent to place an order to
         repurchase any of the Senior Subordinated Notes, which notice shall
         provide the aggregate amount of such order, the purchase price limit
         (expressed as a percentage of the face value of such notes) for such
         order and a representation that the conditions set forth in clauses
         (ii) through (vi) below will be satisfied; (ii) no Default or Event of
         Default shall exist at the time of or after giving effect to any such
         order; (iii) the repurchase is conducted pursuant to an open market
         transaction; (iv) upon consummation of the repurchase the Senior
         Subordinated Notes repurchased are cancelled by Borrowers and no longer
         constitute outstanding Debt of Borrowers under the Senior Subordinated
         Indenture or otherwise; (v) after giving effect to such repurchase,
         Availability shall not be less than $20,000,000; and (vi) the
         Consolidated Fixed Charge Coverage Ratio, measured for the most
         recently ended period of twelve consecutive months, shall be at least
         1.25 to 1.

         (n) By adding the following new definitions to Appendix A to Loan
Agreement, in proper alphabetical sequence:

                  Amendment No. 1 - Amendment No. 1 to the Agreement dated
         September 9, 2003, by and among Borrowers, Lenders and Agent.

                  Amendment No. 1 Effective Date - the date on which Amendment
         No. 1 shall have become effective in accordance with its terms.

                  Mortgage - each mortgage, deed of trust or deed to secure debt
         executed by a Borrower in favor of Agent and by which such Borrower
         shall grant and convey to Agent Liens upon real Property of such
         Borrower, as security for the payment of the Obligations.

                  Subordination Agreement - the Lien Subordination Agreement
         dated September 9, 2003, between Agent and Fleet, and acknowledged by
         Borrowers and Lenders, as the same may be amended, restated,
         supplemented or modified from time to time with the consent of all
         Lenders.

                  Term Loan Agreement - the Amended and Restated Loan and
         Security Agreement dated as of September 9, 2003, between Fleet and
         Tropical, as the same may be amended, restated, supplemented or
         modified from time to time.

                  Term Loan Documents - the Term Loan Agreement and any and all
         other agreements, documents or instruments now or at any time
         evidencing, securing, guaranteeing or otherwise executed and delivered
         in connection with the Term

                                      - 5 -
<PAGE>

                  Loan Agreement, as the same may be amended, restated,
                  supplemented or modified from time to time.

                           Term Loan Obligations - Debt of Borrowers (or any of
                  them) at any time outstanding under the Term Loan Documents in
                  an aggregate principal amount not to exceed $10,000,000 at any
                  time outstanding.

                           Tropical Mortgage - the mortgage executed by Tropical
                  in favor of Agent on or about the Amendment No. 1 Effective
                  Date and by which Tropical has granted and conveyed to Agent
                  Liens upon the Tropical Real Properties, as security for the
                  payment of the Obligations.

                           Tropical Real Properties - the real Property of
                  Tropical located at (i) 4924 West Waters Avenue, Tampa,
                  Florida, (ii) 4902 West Waters Avenue, Tampa, Florida and
                  (iii) 5202 West Waters Avenue, Tampa, Florida.

         3.       RATIFICATION AND REAFFIRMATION. Each Borrower hereby ratifies
and reaffirms the Obligations, each of the Loan Documents and all of such
Borrower's covenants, duties, indebtedness and liabilities under the Loan
Documents, in each case as amended hereby.

         4.       ACKNOWLEDGMENTS AND STIPULATIONS; ETC. Each Borrower
acknowledges and stipulates that the Loan Agreement and the other Loan Documents
executed by such Borrower are legal, valid and binding obligations of such
Borrower that are enforceable against such Borrower in accordance with the terms
thereof; all of the Obligations are owing and payable without defense, offset or
counterclaim (and to the extent there exists any such defense, offset or
counterclaim on the date hereof, the same is hereby waived by Borrower); the
Liens granted by such Borrower in favor of Agent are duly perfected, and, except
with respect to the Tropical Real Properties, first priority Liens; and the
unpaid principal amount of the Revolver Loans on and as of September 9, 2003,
totaled $24,783,766.51 and the unpaid amount of the LC Obligations on and as of
September 9, 2003, totaled $8,977,694.18. TSCI acknowledges and consents to
Tropical's execution and delivery of this Amendment and the Term Loan Documents
(as such term is defined in the Loan Agreement, as amended by this Amendment)
and of the other documents, instruments or agreements Tropical has or will
execute and deliver pursuant thereto, affirms that nothing contained therein
shall modify in any respect whatsoever TSCI's obligations under that certain
Subordination Agreement among TSCI, Tropical and Agent dated June 10, 1998, and
reaffirms that said Subordination Agreement shall remain in full force and
effect.

         5.       REPRESENTATIONS AND WARRANTIES. Each Borrower represents and
warrants to Agent and Lenders, to induce Agent and Lenders to enter into this
Amendment, that no Default or Event of Default exists on the date hereof other
than the Designated Default; the execution, delivery and performance of this
Amendment have been duly authorized by all requisite corporate action on the
part of such Borrower and this Amendment has been duly executed and delivered by
such Borrower; and all of the representations and warranties made by such
Borrower in the Loan Agreement are true and correct on and as of the date
hereof.

                                      - 6 -

<PAGE>

         6.       REFERENCE TO LOAN AGREEMENT. Upon the effectiveness of this
Amendment, each reference in the Loan Agreement to "this Agreement,"
"hereunder," or words of like import shall mean and be a reference to the Loan
Agreement, as amended by this Amendment.

         7.       BREACH OF AMENDMENT. This Amendment shall be part of the Loan
Agreement and a breach of any representation, warranty or covenant herein shall
constitute an Event of Default.

         8.       CONDITIONS PRECEDENT. The effectiveness of this Amendment is
subject to the satisfaction of each of the following conditions precedent (in
the case of each document described below, in form and substance satisfactory to
Agent and Lenders and, at Agent's request, in sufficient copies for each
Lender), unless satisfaction thereof is specifically waived in writing by Agent
(terms defined in the Loan Agreement, as amended by this Amendment, being used
in this Section 8 as so defined):

                  (a) Agent shall have received this Amendment, duly executed
and delivered by Borrowers and Lenders;

                  (b) Agent shall have received (i) a certificate of a Senior
         Officer that each of the conditions precedent to the effectiveness of
         the Term Loan Documents (which shall include a waiver by Fleet of all
         defaults or events of default then existing thereunder) shall have been
         satisfied or waived by Fleet, (ii) true and correct executed or
         conformed copies of the Term Loan Documents, certified as such by a
         Senior Officer, which shall be in the same form as the final drafts
         thereof delivered to and approved by Agent and Lenders prior to the
         Amendment No. 1 Effective Date, and (iii) executed copies of all
         opinion letters delivered in connection with the Term Loan Documents
         and the transactions contemplated thereby, addressed to Agent and
         Lenders or accompanied by a written authorization from the firm
         delivering each such opinion letter stating that Agent and Lenders may
         rely upon such opinion letter as though it were addressed to them;

                  (c) Agent shall have received a certificate of the Secretary
         or Assistant Secretary of each Borrower, having attached thereto the
         Organization Documents of such Obligor (or, if applicable, containing
         the certification of such Secretary or Assistant Secretary that no
         amendment or modification of such Organization Documents has become
         effective since the date on which such documents were last delivered to
         Agent and Lenders), that all corporate or company action, including
         shareholders' or members' approval, if necessary, has been taken by
         such Borrower and/or its shareholders or members to authorize the
         execution, delivery and performance of this Amendment and the other
         agreement, instruments and documents contemplated hereby and containing
         the names and specimen signatures of each of the officers of such
         Borrower who is authorized to and will execute and deliver this
         Amendment and the other agreements, instruments and documents
         contemplated hereby or, if applicable, to the further effect that the
         incumbency certificate most recently delivered to Agent and Lenders
         remains in effect, unchanged;

                  (d) Agent shall have received the Subordination Agreement,
         duly executed and delivered by Agent, Fleet, Borrowers and Lenders;

                                      - 7 -

<PAGE>

                  (e) Agent shall have received a Mortgage creating or
         purporting to create a Lien on the Tropical Real Properties, duly
         executed and delivered by Tropical and in appropriate form for
         recording in the applicable jurisdiction, and Agent shall have received
         evidence satisfactory to it that (i) Borrowers have paid, or made
         adequate provision for the payment on the Amendment No. 1 Effective
         Date of, all fees and taxes, if any, payable in connection with the
         recordation of such Mortgage and (ii) such Mortgage, when recorded in
         the applicable jurisdiction, will create a valid second Lien on the
         Tropical Real Properties;

                  (f) No action, proceeding, investigation, regulation or
         legislation shall have been instituted, threatened or proposed before
         any court, governmental agency or legislative body to enjoin, restrain
         or prohibit, or to obtain damages in respect of, or which is related to
         or arises out of the Loan Documents or the consummation of the
         transactions contemplated thereby;

                  (g) No Event of Default shall exist other than the Designated
         Default;

                  (i) Borrowers shall have paid, or made provision for the
         payment on the date hereof of, all fees and expenses set forth in
         Section 11 hereof;

                  (j) Agent shall have received such other documents and
         instruments as any Lender through Agent may reasonably request; and

                  (k) All conditions precedent set forth in this Section 10 are
         satisfied on or before September 15, 2003.

         9.       AMENDMENT FEE; EXPENSES OF AGENT. In consideration of Agent's
and Lenders' willingness to enter into this Amendment and modify the terms of
the Loan Agreement as set forth herein, Borrowers jointly and severally agree to
pay to Agent, for the Pro Rata benefit of the Lenders, an amendment fee in the
amount of $50,000 in immediately available funds on the date hereof.
Additionally, Borrowers jointly and severally agree to pay, ON DEMAND, all costs
and expenses incurred by Agent in connection with the preparation, negotiation
and execution of this Amendment and any other Loan Documents executed pursuant
hereto and any and all amendments, modifications, and supplements thereto,
including, without limitation, the reasonable costs and fees of Agent's legal
counsel and any taxes or expenses associated with or incurred in connection with
any instrument or agreement referred to herein or contemplated hereby.

         10.      WAIVER. Subject to the satisfaction of the conditions
precedent set forth in Section 10 hereof, Agent and Lenders hereby waive the
Designated Default as in existence on the date hereof.

         11.      EFFECTIVENESS; GOVERNING LAW. This Amendment shall be
effective upon acceptance by Agent and Lenders in Atlanta, Georgia (notice of
which acceptance is hereby

                                      - 8 -

<PAGE>

waived), whereupon the same shall be governed by and construed in accordance
with the internal laws of the State of Georgia.

         12.      SUCCESSORS AND ASSIGNS. This Amendment shall be binding upon
and inure to the benefit of the parties hereto and their respective successors
and assigns.

         13.      NO NOVATION, ETC. Except as otherwise expressly provided in
this Amendment, nothing herein shall be deemed to amend or modify any provision
of the Loan Agreement or any of the other Loan Documents, each of which shall
remain in full force and effect. This Amendment is not intended to be, nor shall
it be construed to create, a novation or accord and satisfaction, and the Loan
Agreement as herein modified shall continue in full force and effect.

         14.      COUNTERPARTS; TELECOPIED SIGNATURES. This Amendment may be
executed in any number of counterparts and by different parties to this
Amendment on separate counterparts, each of which, when so executed, shall be
deemed an original, but all such counterparts shall constitute one and the same
agreement. Any signature delivered by a party by facsimile transmission shall be
deemed to be an original signature hereto.

         15.      FURTHER ASSURANCES. Each Borrower agrees to take such further
actions as Agent and Lenders shall reasonably request from time to time in
connection herewith to evidence or give effect to the amendments set forth
herein or any of the transactions contemplated hereby.

         16.      SECTION TITLES. Section titles and references used in this
Amendment shall be without substantive meaning or content of any kind whatsoever
and are not a part of the agreements among the parties hereto.

         17.      RELEASE OF CLAIMS. TO INDUCE AGENT AND LENDERS TO ENTER INTO
THIS AMENDMENT, EACH BORROWER HEREBY RELEASES, ACQUITS AND FOREVER DISCHARGES
AGENT AND EACH LENDER, AND ALL OFFICERS, DIRECTORS, AGENTS, EMPLOYEES,
SUCCESSORS AND ASSIGNS OF AGENT AND LENDERS, FROM ANY AND ALL LIABILITIES,
CLAIMS, DEMANDS, ACTIONS OR CAUSES OF ACTION OF ANY KIND OR NATURE (IF THERE BE
ANY), WHETHER ABSOLUTE OR CONTINGENT, DISPUTED OR UNDISPUTED, AT LAW OR IN
EQUITY, OR KNOWN OR UNKNOWN, THAT SUCH BORROWER NOW HAS OR EVER HAD AGAINST
AGENT OR ANY LENDER ARISING UNDER OR IN CONNECTION WITH ANY OF THE LOAN
DOCUMENTS OR OTHERWISE. EACH BORROWER REPRESENTS AND WARRANTS TO AGENT AND
LENDERS THAT SUCH BORROWER HAS NOT TRANSFERRED OR ASSIGNED TO ANY PERSON ANY
CLAIM THAT SUCH BORROWER EVER HAD OR CLAIMED TO HAVE AGAINST AGENT OR ANY
LENDER.

         18.      WAIVER OF JURY TRIAL. TO THE FULLEST EXTENT PERMITTED BY
APPLICABLE LAW, THE PARTIES HERETO EACH HEREBY WAIVES THE RIGHT TO TRIAL BY JURY
IN ANY ACTION, SUIT, COUNTERCLAIM OR PROCEEDING ARISING OUT OF OR RELATED TO
THIS AMENDMENT.

                  [SIGNATURES WILL COMMENCE ON FOLLOWING PAGE]

                                      - 9 -

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed under seal and delivered by their respective duly authorized
officers on the date first written above.

                                                     BORROWERS:

ATTEST:                                 TROPICAL SPORTSWEAR INT'L CORPORATION

/s/ Karen S. Castillo                   By: /s/ Robin J. Cohan
--------------------------------------      ------------------------------------
KAREN S. CASTILLO, Secretary                ROBIN J. COHAN, Executive Vice
[CORPORATE SEAL]                            President, Chief Financial Officer
                                            and Treasurer

ATTEST:                                 TROPICAL SPORTSWEAR COMPANY, INC.

/s/ Karen S. Castillo                   By: /s/ Robin J. Cohan
--------------------------------------      ------------------------------------
KAREN S. CASTILLO, Assistant Secretary      ROBIN J. COHAN, Executive Vice
[CORPORATE SEAL]                            President and Chief Financial
                                            Officer

ATTEST:                                 SAVANE INTERNATIONAL CORP.

/s/ Karen S. Castillo                   By: /s/ Robin J. Cohan
--------------------------------------      ------------------------------------
KAREN S. CASTILLO, Secretary                ROBIN J. COHAN, Executive  Vice
[CORPORATE SEAL]                            President, Chief Financial Officer
                                            and Treasurer

ATTEST:                                 APPAREL NETWORK CORPORATION

/s/ Karen S. Castillo                   By: /s/ Robin J. Cohan
--------------------------------------      ------------------------------------
KAREN S. CASTILLO, Secretary                ROBIN J. COHAN, Executive Vice
[CORPORATE SEAL]                            President, Chief Financial Officer
                                            and Treasurer

                     [SIGNATURES CONTINUE ON FOLLOWING PAGE]

                                       10

<PAGE>

ATTEST:                                 TSI BRANDS, INC.

/s/ Karen S. Castillo                   By: /s/ Robin J. Cohan
--------------------------------------      ------------------------------------
KAREN S. CASTILLO, Assistant Secretary      ROBIN J. COHAN, Executive Vice
[CORPORATE SEAL]                            President

ATTEST:                                 TSIL, INC.

/s/ Karen S. Castillo                   By: /s/ Robin J. Cohan
--------------------------------------      ------------------------------------
KAREN S. CASTILLO, Assistant Secretary      ROBIN J. COHAN, Executive Vice
[CORPORATE SEAL]                            President

ATTEST:                                 DUCK HEAD APPAREL COMPANY, LLC

/s/ Karen S. Castillo                   By: /s/ Robin J. Cohan
--------------------------------------      ------------------------------------
KAREN S. CASTILLO, Secretary                ROBIN J. COHAN, Executive Vice
[COMPANY SEAL]                              President, Chief Financial Officer
                                            and Treasurer

ATTEST:                                 DELTA MERCHANDISING, INC.

/s/ Karen S. Castillo                   By: /s/ Robin J. Cohan
--------------------------------------      ------------------------------------
KAREN S. CASTILLO, Secretary                ROBIN J. COHAN, Executive Vice
[CORPORATE SEAL]                            President, Chief Financial Officer
                                            and Treasurer

                     [SIGNATURES CONTINUE ON FOLLOWING PAGE]

                                       11

<PAGE>

                                                       LENDERS:

                                        FLEET CAPITAL CORPORATION,

                                        By: /s/ Elizabeth  Waller
                                            ------------------------------------
                                         Name: Elizabeth Waller
                                         Title: Senior Vice President

                                        WACHOVIA BANK, NATIONAL ASSOCIATION

                                        By: /s/John Trainor
                                            ------------------------------------
                                         Name: John Trainor
                                         Title: Director

                                        BANK OF AMERICA, N.A.

                                        By: /s/ John L. Anderson
                                            ------------------------------------
                                         Name: John L. Anderson
                                         Title: Vice President

                                        AGENT:

                                        FLEET CAPITAL CORPORATION,

                                        By: /s/ Elizabeth  Waller
                                            ------------------------------------
                                         Name: Elizabeth Waller
                                         Title: Senior Vice President

                                       12

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