Document:

<PAGE>
                                                                    Exhibit 10.1

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                                                                  CONFORMED COPY

                              AMENDED AND RESTATED
                                CREDIT AGREEMENT

                           Dated as of January 6, 2006

                                      among

                           PER-SE TECHNOLOGIES, INC.,
                                as the Borrower,

                 CERTAIN DOMESTIC SUBSIDIARIES OF THE BORROWER,
                               as the Guarantors,

                             BANK OF AMERICA, N.A.,
           as Administrative Agent, Swing Line Lender and L/C Issuer,

                                       and

                      WACHOVIA BANK, NATIONAL ASSOCIATION,
                              as Syndication Agent,

                                       and

                         THE OTHER LENDERS PARTY HERETO

                         BANC OF AMERICA SECURITIES LLC,
                   as Sole Lead Arranger and Sole Book Manager

================================================================================

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<S>                                                                          <C>
ARTICLE I DEFINITIONS AND ACCOUNTING TERMS................................     1
   1.01    Defined Terms..................................................     1
   1.02    Other Interpretive Provisions..................................    26
   1.03    Accounting Terms...............................................    27
   1.04    Rounding.......................................................    28
   1.05    References to Agreements and Laws..............................    28
   1.06    Times of Day...................................................    28
   1.07    Letter of Credit Amounts.......................................    28
ARTICLE II THE COMMITMENTS AND CREDIT EXTENSIONS..........................    28
   2.01    Revolving Loans and Term Loan..................................    28
   2.02    Borrowings, Conversions and Continuations of Loans.............    29
   2.03    Letters of Credit..............................................    31
   2.04    Swing Line Loans...............................................    38
   2.05    Prepayments....................................................    40
   2.06    Termination or Reduction of Aggregate Revolving Commitments....    43
   2.07    Repayment of Loans.............................................    44
   2.08    Interest.......................................................    45
   2.09    Fees...........................................................    45
   2.10    Computation of Interest and Fees...............................    46
   2.11    Evidence of Debt...............................................    46
   2.12    Payments Generally.............................................    46
   2.13    Sharing of Payments............................................    48
ARTICLE III TAXES, YIELD PROTECTION AND ILLEGALITY........................    49
   3.01    Taxes..........................................................    49
   3.02    Illegality.....................................................    50
   3.03    Inability to Determine Rates...................................    50
   3.04    Increased Cost and Reduced Return; Capital Adequacy............    50
   3.05    Funding Losses.................................................    51
   3.06    Matters Applicable to all Requests for Compensation............    51
   3.07    Survival.......................................................    52
ARTICLE IV GUARANTY.......................................................    52
   4.01    The Guaranty...................................................    52
   4.02    Obligations Unconditional......................................    52
   4.03    Reinstatement..................................................    53
   4.04    Certain Additional Waivers.....................................    53
   4.05    Remedies.......................................................    54
   4.06    Rights of Contribution.........................................    54
   4.07    Guarantee of Payment; Continuing Guarantee.....................    54
ARTICLE V CONDITIONS PRECEDENT TO CREDIT EXTENSIONS.......................    54
   5.01    Conditions of Initial Credit Extension.........................    54
   5.02    Conditions to all Credit Extensions............................    59
ARTICLE VI REPRESENTATIONS AND WARRANTIES.................................    60
   6.01    Existence, Qualification and Power.............................    60
</TABLE>

                                        i

<PAGE>

<TABLE>
<S>                                                                           <C>
   6.02    Authorization; No Contravention................................    60
   6.03    Governmental Authorization; Other Consents.....................    60
   6.04    Binding Effect.................................................    60
   6.05    Financial Statements; No Material Adverse Effect...............    60
   6.06    Litigation.....................................................    61
   6.07    No Default.....................................................    62
   6.08    Ownership of Property; Liens...................................    62
   6.09    Environmental Compliance.......................................    62
   6.10    Insurance......................................................    63
   6.11    Taxes..........................................................    63
   6.12    ERISA Compliance...............................................    63
   6.13    Subsidiaries...................................................    64
   6.14    Margin Regulations; Investment Company Act; Public Utility
           Holding Company Act............................................    64
   6.15    Disclosure.....................................................    64
   6.16    Compliance with Laws...........................................    64
   6.17    Intellectual Property; Licenses, Etc...........................    65
   6.18    Solvency.......................................................    65
   6.19    Perfection of Security Interests in the Collateral.............    65
   6.20    Business Locations.............................................    65
   6.21    Labor Matters..................................................    65
ARTICLE VII AFFIRMATIVE COVENANTS.........................................    66
   7.01    Financial Statements...........................................    66
   7.02    Certificates; Other Information................................    67
   7.03    Notices........................................................    69
   7.04    Payment of Obligations.........................................    70
   7.05    Preservation of Existence, Etc.................................    70
   7.06    Maintenance of Properties......................................    70
   7.07    Maintenance of Insurance.......................................    71
   7.08    Compliance with Laws...........................................    71
   7.09    Books and Records..............................................    71
   7.10    Inspection Rights..............................................    71
   7.11    Use of Proceeds................................................    72
   7.12    Additional Subsidiaries........................................    72
   7.13    ERISA Compliance...............................................    72
   7.14    Pledged Assets.................................................    73
   7.15    Refinance of Convertible Subordinated Debentures...............    73
   7.16    Debt Rating....................................................    73
   7.17    Post-Closing Deliverables......................................    73
ARTICLE VIII NEGATIVE COVENANTS...........................................    74
   8.01    Liens..........................................................    74
   8.02    Investments....................................................    76
   8.03    Indebtedness...................................................    76
   8.04    Fundamental Changes............................................    78
   8.05    Dispositions...................................................    78
   8.06    Restricted Payments............................................    79
</TABLE>

                                       ii

<PAGE>

<TABLE>
<S>                                                                          <C>
   8.07    Change in Nature of Business...................................    79
   8.08    Transactions with Affiliates and Insiders......................    79
   8.09    Burdensome Agreements..........................................    80
   8.11    Financial Covenants............................................    81
   8.13    Organization Documents; Fiscal Year; Legal Name, State of
           Formation and Form of Entity...................................    82
   8.14    Ownership of Subsidiaries......................................    82
   8.15    Sale Leasebacks................................................    82
ARTICLE IX EVENTS OF DEFAULT AND REMEDIES.................................    82
   9.01    Events of Default..............................................    82
   9.02    Remedies Upon Event of Default.................................    84
   9.03    Application of Funds...........................................    85
ARTICLE X ADMINISTRATIVE AGENT............................................    86
   10.01   Appointment and Authority......................................    86
   10.02   Rights as a Lender.............................................    86
   10.03   Exculpatory Provisions.........................................    86
   10.04   Reliance by Administrative Agent...............................    87
   10.05   Delegation of Duties...........................................    87
   10.06   Resignation of Administrative Agent............................    88
   10.07   Non-Reliance on Administrative Agent and Other Lenders.........    88
   10.08   No Other Duties, Etc...........................................    89
   10.09   Administrative Agent May File Proofs of Claim..................    89
   10.10   Collateral and Guaranty Matters................................    90
ARTICLE XI MISCELLANEOUS..................................................    90
   11.01   Amendments, Etc................................................    90
   11.02   Notices; Effectiveness; Electronic Communication...............    92
   11.03   No Waiver; Cumulative Remedies.................................    93
   11.04   Attorney Costs, Expenses; Indemnity; Damage Waiver.............    94
   11.05   Payments Set Aside.............................................    95
   11.06   Successors and Assigns.........................................    96
   11.07   Confidentiality................................................    98
   11.08   Set-off........................................................    99
   11.09   Interest Rate Limitation.......................................   100
   11.10   Counterparts...................................................   100
   11.11   Integration....................................................   100
   11.12   Survival of Representations and Warranties.....................   100
   11.13   Severability...................................................   100
   11.14   Tax Forms......................................................   101
   11.15   Replacement of Lenders.........................................   102
   11.16   Governing Law..................................................   103
   11.17   Waiver of Jury Trial...........................................   104
</TABLE>

                                       iii

<PAGE>

SCHEDULES

     1.01(a) Data Centers
     1.01(b) Existing Letters of Credit
     2.01    Commitments and Pro Rata Shares
     6.10    Insurance
     6.13    Subsidiaries
     6.17    IP Rights
     6.20(a) Locations of Real Property
     6.20(b) Locations of Tangible Personal Property
     6.20(c) Location of Chief Executive Office, Etc.
     7.17    Landlord Lien Waivers
     8.01    Liens Existing on the Closing Date
     8.02    Investments Existing on the Closing Date
     8.03    Indebtedness Existing on the Closing Date
     8.15    Sale and Leaseback Transactions
     11.02   Certain Addresses for Notices
     11.06   Processing and Recordation Fees

EXHIBITS

     A   Form of Loan Notice
     B   Form of Swing Line Loan Notice
     C-1 Form of Revolving Note
     C-2 Form of Swing Line Note
     C-3 Form of Term Note
     D   Form of Compliance Certificate
     E   Form of Assignment and Assumption
     F   Form of Joinder Agreement

                                       iv

<PAGE>

                              AMENDED AND RESTATED
                                CREDIT AGREEMENT

     This AMENDED AND RESTATED CREDIT AGREEMENT is entered into as of January 6,
2006 among PER-SE TECHNOLOGIES, INC., a Delaware corporation (the "Borrower"),
the Guarantors (defined herein), the Lenders (defined herein) and BANK OF
AMERICA, N.A., as Administrative Agent, Swing Line Lender and L/C Issuer and
amends and restates that certain Credit Agreement, dated as of September 11,
2003 (as amended or otherwise modified prior to the date hereof, the "Existing
Credit Agreement"), among the Borrower, each lender from time to time party
thereto and Bank of America, N.A., as administrative agent.

                             PRELIMINARY STATEMENTS:

     1. The Borrower has requested that the Lenders make available to the
Borrower a revolving credit facility in the principal amount of $50,000,000 and
a term loan facility in the principal amount of $435,000,000.

     2. The Administrative Agent and the Lenders are willing to make such credit
facilities available to the Borrower, upon and subject to the terms and
conditions set forth herein.

     In consideration of the mutual covenants and agreements herein contained,
the parties hereto covenant and agree as follows:

                                    ARTICLE I

                        DEFINITIONS AND ACCOUNTING TERMS

1.01 Defined Terms.

     As used in this Agreement, the following terms shall have the meanings set
forth below:

     "Acquisition", by any Person, means the acquisition by such Person, in a
single transaction or in a series of related transactions, of all or any
substantial portion of the Property of another Person, or of a Business Unit of
another Person, or at least a majority of the Voting Stock of another Person, in
each case whether or not involving a merger or consolidation with such other
Person and whether for cash, property, services, assumption of Indebtedness,
securities or otherwise.

     "Administrative Agent" means Bank of America in its capacity as
administrative agent under any of the Loan Documents, or any successor
administrative agent.

     "Administrative Agent's Office" means the Administrative Agent's address
and, as appropriate, account as set forth on Schedule 11.02 or such other
address or account as the Administrative Agent may from time to time notify the
Borrower and the Lenders.

     "Administrative Questionnaire" means an Administrative Questionnaire in a
form supplied by the Administrative Agent.

     "Affiliate" means, with respect to any Person, another Person that
directly, or indirectly through one or more intermediaries, Controls or is
Controlled by or is under common Control with the Person

<PAGE>

specified. "Control" means the possession, directly or indirectly, of the power
to direct or cause the direction of the management or policies of a Person,
whether through the ability to exercise voting power, by contract or otherwise.
"Controlling" and "Controlled" have meanings correlative thereto. Without
limiting the generality of the foregoing, a Person shall be deemed to be
Controlled by another Person if such other Person possesses, directly or
indirectly, power to vote 10% or more of the securities having ordinary voting
power for the election of directors, managing general partners or the
equivalent.

     "Aggregate Revolving Commitments" means the Revolving Commitments of all
the Lenders. The amount of the Aggregate Revolving Commitments in effect on the
Closing Date is FIFTY MILLION DOLLARS ($50,000,000).

     "Agreement" means this Amended and Restated Credit Agreement, as amended,
modified, supplemented and extended from time to time.

     "Applicable Rate" means (a) with respect to Revolving Loans, Swing Line
Loans, Letters of Credit and the Commitment Fee, the following percentages per
annum, based upon the Consolidated Leverage Ratio as set forth in the most
recent Compliance Certificate received by the Administrative Agent pursuant to
Section 7.02(b):

<TABLE>
<CAPTION>
                 Consolidated                                         Eurodollar Rate
Pricing Tier    Leverage Ratio   Commitment Fee   Letters of Credit        Loans        Base Rate Loans
------------   ---------------   --------------   -----------------   ---------------   ---------------
<S>            <C>               <C>              <C>                 <C>               <C>
1              < 3.0:1.0              0.25%             1.50%              1.50%              0.50%
2              > or = 3.0:1.0         0.30%             1.75%              1.75%              0.75%
               but < 3.5:1.0
3              > or = 3.5:1.0        0.375%             2.00%              2.00%              1.00%
               but < 4.0:1.0
4              > or = 4.0:1.0         0.50%             2.25%              2.25%              1.25%
               but < 4.5:1.0
5              > or = 4.5:1.0         0.50%             2.50%              2.50%              1.50%
</TABLE>

and (b) with respect to the Term Loan, a percentage per annum equal to (i) 2.25%
for Eurodollar Rate Loans and (ii) 1.25% for Base Rate Loans. Any increase or
decrease in the Applicable Rate resulting from a change in the Consolidated
Leverage Ratio shall become effective as of the first Business Day immediately
following the date a Compliance Certificate is required to be delivered pursuant
to Section 7.02(b); provided, however, that if a Compliance Certificate is not
delivered when due in accordance with such Section, then Pricing Level 5 shall
apply as of the first Business Day after the date on which such Compliance
Certificate was required to have been delivered and shall continue to apply
until the first Business Day immediately following the date a Compliance
Certificate is delivered in accordance with Section 7.02(b), whereupon the
Applicable Rate shall be adjusted based upon the calculation of the Consolidated
Leverage Ratio contained in such Compliance Certificate. The Applicable Rate in
effect from the Closing Date through the first Business Day immediately
following the date a Compliance Certificate is required to be delivered pursuant
to Section 7.02(b) for the fiscal quarter ending June 30, 2006 shall be
determined based upon Pricing Level 4.

     "Assignee Group" means two or more Eligible Assignees that are Affiliates
of one another or two or more Approved Funds managed by the same investment
advisor.

     "Assignment and Assumption" means an Assignment and Assumption
substantially in the form of Exhibit E, and shall include, in the case of the
initial assignments of portions of Term Loan by the

                                        2

<PAGE>

initial Lenders, one or more master assignment and assumption agreements to
effect assignments to multiple assignees substantially on the terms of the form
of Assignment and Assumption set forth in Exhibit E.

     "Attorney Costs" means and includes all reasonable fees, expenses and
disbursements of any law firm or other external counsel.

     "Attributable Indebtedness" means, on any date, (a) in respect of any
Capital Lease of any Person, the capitalized amount thereof that would appear on
a balance sheet of such Person prepared as of such date in accordance with GAAP,
(b) in respect of any Synthetic Lease, the capitalized amount of the remaining
lease payments under the relevant lease that would appear on a balance sheet of
such Person prepared as of such date in accordance with GAAP if such lease were
accounted for as a Capital Lease and (c) in respect of any Securitization
Transaction of any Person, the outstanding principal amount of such financing,
after taking into account reserve accounts and making appropriate adjustments,
determined by the Administrative Agent in its reasonable judgment.

     "Audited Financial Statements" means the audited consolidated balance sheet
of the Borrower and its Subsidiaries for the fiscal year ended December 31,
2004, and the related consolidated statements of income or operations,
shareholders' equity and cash flows for such fiscal year of the Borrower and its
Subsidiaries, including the notes thereto.

     "Availability Period" means, with respect to the Revolving Commitments, the
period from and including the Closing Date to the earliest of (a) the Maturity
Date, (b) the date of termination of the Aggregate Revolving Commitments
pursuant to Section 2.06, and (c) the date of termination of the commitment of
each Lender to make Loans and of the obligation of the L/C Issuer to make L/C
Credit Extensions pursuant to Section 9.02.

     "Bank of America" means Bank of America, N.A. and its successors.

     "BAS" means Banc of America Securities LLC, in its capacity as sole lead
arranger and sole book manager.

     "Base Rate" means for any day a fluctuating rate per annum equal to the
higher of (a) the Federal Funds Rate plus 1/2 of 1% and (b) the rate of interest
in effect for such day as publicly announced from time to time by Bank of
America as its "prime rate." The "prime rate" is a rate set by Bank of America
based upon various factors including Bank of America's costs and desired return,
general economic conditions and other factors, and is used as a reference point
for pricing some loans, which may be priced at, above, or below such announced
rate. Any change in the "prime rate" announced by Bank of America shall take
effect at the opening of business on the day specified in the public
announcement of such change.

     "Base Rate Loan" means a Loan that bears interest based on the Base Rate.

     "Borrower" has the meaning specified in the introductory paragraph hereto.

     "Borrower Materials" has the meaning specified in Section 7.02.

     "Borrowing" means a borrowing consisting of simultaneous Loans of the same
Type and, in the case of Eurodollar Rate Loans, having the same Interest Period
made by each of the Lenders pursuant to Section 2.01.

                                        3

<PAGE>

     "Business Day" means any day other than a Saturday, Sunday or other day on
which commercial banks are authorized to close under the Laws of, or are in fact
closed in, the state where the Administrative Agent's Office is located and, if
such day relates to any Eurodollar Rate Loan, means any such day on which
dealings in Dollar deposits are conducted by and between banks in the London
interbank eurodollar market.

     "Business Unit" means any operating division or other business unit or
business segment of a Person.

     "Businesses" means, at any time, a collective reference to the businesses
operated by the Borrower and its Subsidiaries at such time.

     "Capital Lease" means, as applied to any Person, any lease of any Property
by that Person as lessee which, in accordance with GAAP, is required to be
accounted for as a capital lease on the balance sheet of that Person.

     "Capital Stock" means (i) in the case of a corporation, capital stock, (ii)
in the case of an association or business entity, any and all shares, interests,
participations, rights or other equivalents (however designated) of capital
stock, (iii) in the case of a partnership, partnership interests (whether
general or limited), (iv) in the case of a limited liability company, membership
interests and (v) any other interest or participation that confers on a Person
the right to receive a share of the profits and losses of, or distributions of
assets of, the issuing Person.

     "Cash Collateralize" has the meaning specified in Section 2.03(g).

     "Cash Equivalents" means, as at any date, (a) securities issued or directly
and fully guaranteed or insured by the United States or any agency or
instrumentality thereof (provided that the full faith and credit of the United
States is pledged in support thereof) having maturities of not more than twelve
months from the date of acquisition, (b) Dollar denominated time deposits and
certificates of deposit of (i) any Lender, (ii) any domestic commercial bank of
recognized standing having capital and surplus in excess of $500,000,000 or
(iii) any bank whose short-term commercial paper rating from S&P is at least A-1
or the equivalent thereof or from Moody's is at least P-1 or the equivalent
thereof (any such bank being an "Approved Bank"), in each case with maturities
of not more than 270 days from the date of acquisition, (c) commercial paper and
variable or fixed rate notes issued by any Approved Bank (or by the parent
company thereof) or any variable rate notes issued by, or guaranteed by, any
domestic corporation rated A-1 (or the equivalent thereof) or better by S&P or
P-1 (or the equivalent thereof) or better by Moody's and maturing within six
months of the date of acquisition, (d) repurchase agreements entered into by any
Person with a bank or trust company (including any of the Lenders) or recognized
securities dealer having capital and surplus in excess of $500,000,000 for
direct obligations issued by or fully guaranteed by the United States in which
such Person shall have a perfected first priority security interest (subject to
no other Liens) and having, on the date of purchase thereof, a fair market value
of at least 100% of the amount of the repurchase obligations and (e)
Investments, classified in accordance with GAAP as current assets, in money
market investment programs registered under the Investment Company Act of 1940,
as amended, which are administered by reputable financial institutions having
capital of at least $500,000,000 and the portfolios of which are limited to
Investments of the character described in the foregoing subdivisions (a) through
(d).

     "Change of Control" means an event or series of events by which:

          (a) any "person" or "group" (as such terms are used in Sections 13(d)
     and 14(d) of the Securities Exchange Act of 1934, but excluding any
     employee benefit plan of such person or its subsidiaries, and any person or
     entity acting in its capacity as trustee, agent or other fiduciary or
     administrator of any such plan) becomes the "beneficial owner" (as defined
     in Rules 13d-3 and

                                        4

<PAGE>

     13d-5 under the Securities Exchange Act of 1934, except that a person or
     group shall be deemed to have "beneficial ownership" of all Capital Stock
     that such person or group has the right to acquire (such right, an "option
     right"), whether such right is exercisable immediately or only after the
     passage of time), directly or indirectly, of thirty-five percent (35%) of
     the Capital Stock of the Borrower entitled to vote for members of the board
     of directors or equivalent governing body of the Borrower on a fully
     diluted basis (and taking into account all such securities that such person
     or group has the right to acquire pursuant to any option right); or

          (b) during any period of 12 consecutive months, a majority of the
     members of the board of directors or other equivalent governing body of the
     Borrower cease (other than by reason of death, disability or mandatory
     retirement due to age) to be composed of individuals (i) who were members
     of that board or equivalent governing body on the first day of such period,
     (ii) whose election or nomination to that board or equivalent governing
     body was approved by individuals referred to in clause (i) above
     constituting at the time of such election or nomination at least a majority
     of that board or equivalent governing body or (iii) whose election or
     nomination to that board or other equivalent governing body was approved by
     individuals referred to in clauses (i) and (ii) above constituting at the
     time of such election or nomination at least a majority of that board or
     equivalent governing body (excluding, in the case of both clause (ii) and
     clause (iii), any individual whose initial nomination for, or assumption of
     office as, a member of that board or equivalent governing body occurs as a
     result of an actual or threatened solicitation of proxies or consents for
     the election or removal of one or more directors by any person or group
     other than a solicitation for the election of one or more directors by or
     on behalf of the board of directors); or

          (c) the occurrence of a "Change of Control" (or any comparable term)
     under, and as defined in the Convertible Subordinated Debentures Documents.

     "Closing Date" means the date hereof.

     "Collateral" means a collective reference to all real and personal Property
with respect to which Liens in favor of the Administrative Agent are purported
to be granted pursuant to and in accordance with the terms of the Collateral
Documents.

     "Collateral Documents" means a collective reference to the Security
Agreement, the Pledge Agreement, the Mortgages and other security documents as
may be executed and delivered by the Loan Parties pursuant to the terms of
Section 7.14.

     "Commitment" means, as to each Lender, the Revolving Commitment of such
Lender and/or the Term Loan Commitment of such Lender.

     "Compliance Certificate" means a certificate substantially in the form of
Exhibit D.

     "Consolidated Adjusted EBITDAR" means, for any period, for the Borrower and
its Subsidiaries on a consolidated basis, an amount equal to the sum of (i)
Consolidated EBITDA for such period plus rent and lease expense for such period
minus (ii) Consolidated Capital Expenditures for such period (other than any
Consolidated Capital Expenditures funded with Indebtedness permitted by Section
8.03(e)) minus (iii) Consolidated Cash Taxes for such period, all as determined
in accordance with GAAP. For purposes of calculating Consolidated Adjusted
EBITDAR (i) for the four fiscal quarter period ending March 31, 2006,
Consolidated Adjusted EBITDAR shall be actual Consolidated Adjusted EBITDAR for
the fiscal quarter period ending March 31, 2006 multiplied by four, (ii) for the
four fiscal quarter period ending June 30, 2006, Consolidated Adjusted EBITDAR
shall be actual Consolidated Adjusted EBITDAR for

                                        5

<PAGE>

the two fiscal quarter period ending June 30, 2006 multiplied by two, and (iii)
for the four fiscal quarter period ending September 30, 2006, Consolidated
Adjusted EBITDAR shall be actual Consolidated Adjusted EBITDAR for the three
fiscal quarter period ending September 30, 2006 multiplied by one and one third.

     "Consolidated Capital Expenditures" means, for any period, for the Borrower
and its Subsidiaries on a consolidated basis, all capital expenditures
(including, without limitation, any capitalized software development costs), as
determined in accordance with GAAP; provided, however, that Consolidated Capital
Expenditures shall not include (a) expenditures made with proceeds of any
Involuntary Disposition to the extent such expenditures are used to purchase
Property that is of a type suitable for use in a business permitted by Section
8.07 or (b) Permitted Acquisitions. For purposes of calculating Consolidated
Capital Expenditures (i) for the four fiscal quarter period ending March 31,
2006, Consolidated Capital Expenditures shall be actual Consolidated Capital
Expenditures for the fiscal quarter period ending March 31, 2006 multiplied by
four, (ii) for the four fiscal quarter period ending June 30, 2006, Consolidated
Capital Expenditures shall be actual Consolidated Capital Expenditures for the
two fiscal quarter period ending June 30, 2006 multiplied by two, and (iii) for
the four fiscal quarter period ending September 30, 2006, Consolidated Capital
Expenditures shall be actual Consolidated Capital Expenditures for the three
fiscal quarter period ending September 30, 2006 multiplied by one and one third.

     "Consolidated Cash Taxes" means, for any period, for the Borrower and its
Subsidiaries on a consolidated basis, the aggregate of all taxes to the extent
the same are paid in cash during such period.

     "Consolidated EBITDA" means, for any period, for the Borrower and its
Subsidiaries on a consolidated basis, an amount equal to Consolidated Net Income
for such period plus (a) the following, without duplication, to the extent
deducted in calculating such Consolidated Net Income: (i) Consolidated Interest
Charges for such period, (ii) the provision for federal, state, local and
foreign income taxes, and franchise taxes and state single business unitary and
similar taxes imposed in lieu of income tax, payable by the Borrower and its
Subsidiaries for such period, (iii) the amount of depreciation and amortization
expense for such period, (iv) all non-cash, non-recurring expenses, charges and
losses for such period (excluding those expenses, charges and losses related to
accounts receivable); provided that such expenses, charges and losses (A) were
not a cash item in the four fiscal quarter period immediately prior to such
period and (B) are not expected to be paid in cash at any time in the future,
(v) for the fiscal quarter period ending on March 31, 2006, any expenses
incurred by the Borrower during such period in connection with the tender offer,
early redemption, or discharge of the NDC Subordinated Notes, including all
premiums, fees and legal costs related thereto, (vi) (A) the one time,
non-recurring cash charges during such period related to severance, retention,
and other compensation-related payments, costs of signage and re-branding, and
other costs related to integration of accounting systems and operations, in each
case paid in connection with the NDC Acquisition so long as such non-recurring
cash charges are made within 24 months of the consummation of the NDC
Acquisition and do not exceed $20,000,000 in the aggregate and (B) other one
time, non-recurring cash charges in connection with the NDC Acquisition during
such period so long as such non-recurring cash charges are made within 24 months
of the consummation of the NDC Acquisition and do not exceed $10,000,000 in the
aggregate, (vii) non-cash stock-based compensation expenses for such period, and
(viii) any non-cash losses resulting from mark-to-market adjustments under FASB
133 plus (b) without duplication, any losses resulting from the sale of assets
outside of the ordinary course of business for such period minus (c) without
duplication, any gains from the sale of assets outside the ordinary course of
business for such period minus (d) to the extent included in calculating such
Consolidated Net Income, any non-cash gains resulting from mark-to-market
adjustments under FASB 133, all as determined in accordance with GAAP.
Notwithstanding the foregoing, for purposes of calculating Consolidated EBITDA
(i) for the four fiscal quarter period ending March 31, 2006, Consolidated
EBITDA shall be actual Consolidated EBITDA for the three fiscal month period
ending March 31, 2006 multiplied by four, (ii) for the four

                                        6

<PAGE>

fiscal quarter period ending June 30, 2006, Consolidated EBITDA shall be actual
Consolidated EBITDA for the six fiscal month period ending June 30, 2006
multiplied by two and (iii) for the four fiscal quarter period ending September
30, 2006, Consolidated EBITDA shall be actual Consolidated EBITDA for the nine
fiscal month period ending September 30, 2006 multiplied by one and one third.

     "Consolidated Fixed Charge Coverage Ratio" means, as of any date of
determination, the ratio of (a) Consolidated Adjusted EBITDAR for the period of
the four fiscal quarters most recently ended for which the Borrower has
delivered financial statements pursuant to Section 7.01(a) or (b) to (b)
Consolidated Fixed Charges for the period of the four fiscal quarters most
recently ended for which the Borrower has delivered financial statements
pursuant to Section 7.01(a) or (b); provided, however, that for the fiscal
periods ending March 31, 2006, June 30, 2006, and September 30, 2006, such ratio
shall be calculated in accordance with the definitions for "Consolidated
Adjusted EBITDAR" and "Consolidated Fixed Charges", respectively.

     "Consolidated Fixed Charges" means, for any period, for the Borrower and
its Subsidiaries on a consolidated basis, an amount equal to the sum of (i) the
cash portion of Consolidated Interest Charges for such period plus (ii)
Consolidated Scheduled Funded Debt Payments for such period (other than any debt
amortization payments on the Term Loan during such period) plus (iii) rent and
lease expense for such period, all as determined in accordance with GAAP. For
purposes of calculating Consolidated Fixed Charges (i) for the four fiscal
quarter period ending March 31, 2006, Consolidated Fixed Charges shall be actual
Consolidated Fixed Charges for the fiscal quarter period ending March 31, 2006
multiplied by four, (ii) for the four fiscal quarter period ending June 30,
2006, Consolidated Fixed Charges shall be actual Consolidated Fixed Charges for
the two fiscal quarter period ending June 30, 2006 multiplied by two, and (iii)
for the four fiscal quarter period ending September 30, 2006, Consolidated Fixed
Charges shall be actual Consolidated Fixed Charges for the three fiscal quarter
period ending September 30, 2006 multiplied by one and one third.

     "Consolidated Funded Indebtedness" means Funded Indebtedness of the
Borrower and its Subsidiaries on a consolidated basis determined in accordance
with GAAP.

     "Consolidated Interest Charges" means, for any period, for the Borrower and
its Subsidiaries on a consolidated basis, an amount equal to the sum of (i) all
interest, premium payments, debt discount, fees, charges and related expenses of
the Borrower and its Subsidiaries in connection with borrowed money (including
capitalized interest) or in connection with the deferred purchase price of
assets, in each case to the extent treated as interest in accordance with GAAP
(other than any expenses incurred by the Borrower in the fiscal quarter ending
March 31, 2006 in connection with the tender offer, early redemption or
discharge of the NDC Subordinated Notes, including all premiums, fees and legal
costs related thereto), plus (ii) the portion of rent expense of the Borrower
and its Subsidiaries with respect to such period under Capital Leases that is
treated as interest in accordance with GAAP; provided, however, that (a)
Consolidated Interest Charges for the four fiscal quarter period ending March
31, 2006 shall be calculated as Consolidated Interest Charges for the fiscal
quarter period ending March 31, 2006 multiplied by four, (b) Consolidated
Interest Charges for the four fiscal quarter period June 30, 2006 shall be
calculated as Consolidated Interest Charges for the two fiscal quarter period
ending June 30, 2006 multiplied by two and (c) Consolidated Interest Charges for
the four fiscal quarter period September 30, 2006 shall be calculated as
Consolidated Interest Charges for the three fiscal quarter period ending
September 30, 2006 multiplied by one and one third.

     "Consolidated Leverage Ratio" means, as of any date of determination, the
ratio of (a) Consolidated Funded Indebtedness as of such date to (b)
Consolidated EBITDA for the period of the four fiscal quarters most recently
ended for which the Borrower has delivered financial statements pursuant to
Section 7.01(a) or (b); provided, however, that for the fiscal periods ending
March 31, 2006, June 30,

                                        7

<PAGE>

2006, and September 30, 2006, Consolidated EBITDA shall be determined on the
basis set forth in the definition of "Consolidated EBITDA."

     "Consolidated Net Income" means, for any period, for the Borrower and its
Subsidiaries on a consolidated basis, the net income of the Borrower and its
Subsidiaries (excluding extraordinary gains and extraordinary losses and
excluding the effects of FAS 142) for that period.

     "Consolidated Senior Indebtedness" means the sum of (i) Consolidated Funded
Indebtedness as of such date minus (ii) the Subordinated Indebtedness as of such
date.

     "Consolidated Senior Leverage Ratio" means, as of any date of
determination, the ratio of (a) the sum of (i) Consolidated Senior Indebtedness
as of such date to (b) Consolidated EBITDA for the period of the four fiscal
quarters most recently ended for which the Borrower has delivered financial
statements pursuant to Section 7.01(a) or (b); provided, however, that for the
fiscal periods ending March 31, 2006, June 30, 2006, and September 30, 2006,
Consolidated EBITDA shall be determined on the basis set forth in the definition
of "Consolidated EBITDA."

     "Consolidated Scheduled Funded Debt Payments" means for any period for the
Borrower and its Subsidiaries on a consolidated basis, the sum of all scheduled
payments of principal on Consolidated Funded Indebtedness, as determined in
accordance with GAAP. For purposes of this definition, "scheduled payments of
principal" (a) shall be determined without giving effect to any reduction of
such scheduled payments resulting from the application of any voluntary or
mandatory prepayments made during the applicable period, (b) shall be deemed to
include the scheduled payments of the principal components of the Attributable
Indebtedness in respect of Capital Leases, Synthetic Leases and Securitization
Transactions and (c) shall not include any voluntary prepayments or mandatory
prepayments required pursuant to Section 2.05; provided, however, that (i)
Consolidated Scheduled Funded Debt Payments for the four fiscal quarter period
ending March 31, 2006 shall be calculated as Consolidated Scheduled Funded Debt
Payments for the fiscal quarter period ending March 31, 2006 multiplied by four,
(ii) Consolidated Scheduled Funded Debt Payments for the four fiscal quarter
period ending June 30, 2006 shall be calculated as Consolidated Scheduled Funded
Debt Payments for the two fiscal quarter period ending June 30, 2006 multiplied
by two and (iii) Consolidated Scheduled Funded Debt Payments for the four fiscal
quarter period ending September 30, 2006 shall be calculated as Consolidated
Scheduled Funded Debt Payments for the three fiscal quarter period ending
September 30, 2006 multiplied by one and one third.

     "Consolidated Working Capital" means, at any time, the excess of (i)
current assets (excluding cash and Cash Equivalents) of the Borrower and its
Subsidiaries on a consolidated basis at such time over (ii) current liabilities
(excluding any outstanding Revolving Loans and current maturities of
Indebtedness) of the Borrower and its Subsidiaries on a consolidated basis at
such time, all as determined in accordance with GAAP.

     "Consolidating" means consolidating financial statements of the Borrower
and its Subsidiaries in the form provided to senior management of the Borrower
in the ordinary course of business.

     "Contractual Obligation" means, as to any Person, any provision of any
security issued by such Person or of any agreement, instrument or other
undertaking to which such Person is a party or by which it or any of its
property is bound.

     "Control" has the meaning specified in the definition of "Affiliate."

     "Convertible Subordinated Debentures" means those 3.25% Convertible
Subordinated Debentures of the Borrower due 2024 issued pursuant to the
Indenture, as in effect on the Closing Date and as the

                                        8

<PAGE>

same may be amended, modified or supplemented from time to time in accordance
with the terms hereof and thereof.

     "Convertible Subordinated Debentures Documents" means the Convertible
Subordinated Debentures, the Indenture and all other documents executed and
delivered in respect of the Convertible Subordinated Debentures and the
Indenture, in each case as in effect on the Closing Date and as the same may be
amended, modified or supplemented from time to time in accordance with the terms
hereof and thereof.

     "Credit Extension" means each of the following: (a) a Borrowing and (b) an
L/C Credit Extension.

     "Data Centers" means those leased properties identified on Schedule 1.01(a)
attached hereto.

     "Debt Issuance" means the issuance by the Borrower or any Subsidiary of any
Indebtedness other than Indebtedness permitted under Section 8.03.

     "Debt Rating" means, the rating as determined by either S&P or Moody's of
the Borrower's non-credit enhanced, senior secured long-term debt.

     "Debt Tender Offer" means the tender for and redemption of the NDC
Subordinated Notes.

     "Debtor Relief Laws" means the Bankruptcy Code of the United States, and
all other liquidation, conservatorship, bankruptcy, assignment for the benefit
of creditors, moratorium, rearrangement, receivership, insolvency,
reorganization, or similar debtor relief Laws of the United States or other
applicable jurisdictions from time to time in effect and affecting the rights of
creditors generally.

     "Default" means any event or condition that constitutes an Event of Default
or that, with the giving of any notice, the passage of time, or both, would be
an Event of Default.

     "Default Rate" means an interest rate equal to (a) the Base Rate plus (b)
the Applicable Rate, if any, applicable to Base Rate Loans plus (c) 2% per
annum; provided, however, that with respect to a Eurodollar Rate Loan, the
Default Rate shall be an interest rate equal to the interest rate (including any
Applicable Rate) otherwise applicable to such Loan plus 2% per annum, in each
case to the fullest extent permitted by applicable Laws.

     "Defaulting Lender" means any Lender that (a) has failed to fund any
portion of the Loans, participations in L/C Obligations or participations in
Swing Line Loans required to be funded by it hereunder within one Business Day
of the date required to be funded by it hereunder, (b) has otherwise failed to
pay over to the Administrative Agent or any other Lender any other amount
required to be paid by it hereunder within one Business Day of the date when
due, unless the subject of a good faith dispute, or (c) has been deemed
insolvent or become the subject of a bankruptcy, receivership, liquidation or
insolvency proceeding.

     "Disposition" or "Dispose" means the sale, transfer, license, lease or
other disposition (including any Sale and Leaseback Transaction) of any Property
by the Borrower or any Subsidiary (including the Capital Stock of any
Subsidiary), including any sale, assignment, transfer or other disposal, with or
without recourse, of any notes or accounts receivable or any rights and claims
associated therewith, but excluding (i) the sale, lease, license, transfer or
other disposition of inventory or IP Rights in the ordinary course of business
of the Borrower and its Subsidiaries, (ii) the sale, lease, license, transfer or
other disposition of machinery and equipment no longer used or useful in the
conduct of business of the

                                        9

<PAGE>

Borrower and its Subsidiaries, (iii) any sale, lease, license, transfer or other
disposition of Property (a) by the Borrower or any Subsidiary to any Loan Party,
provided that the Loan Parties shall cause to be executed and delivered such
documents, instruments and certificates as the Administrative Agent may request
so as to cause the Loan Parties to be in compliance with the terms of Section
7.14 after giving effect to such transaction, or (b) by any Non-Guarantor
Subsidiary to another Non-Guarantor Subsidiary, (iv) any Involuntary Disposition
by the Borrower or any Subsidiary, (v) any Disposition by the Borrower or any
Subsidiary to the extent constituting a Permitted Investment, (vi) any sale,
lease, license, transfer or other disposition of Property by any Foreign
Subsidiary to another Foreign Subsidiary, and (vii) any sale, lease, transfer or
other disposition of Property in any single transaction or series of related
transactions involving Property where the greater of the aggregate net book
value and the aggregate consideration received in respect of such Property does
not exceed $10,000.

     "Dollar" and "$" mean lawful money of the United States.

     "Domestic Subsidiary" means any Subsidiary that is organized under the laws
of any political subdivision of the United States.

     "Earn Out Obligations" means, with respect to an Acquisition, all
obligations of the Borrower or any Subsidiary to make earn out or other
contingency payments (including purchase price adjustments, non-competition and
consulting agreements, or other indemnity obligations) pursuant to the
documentation relating to such Acquisition. The amount of any Earn Out
Obligations shall be the aggregate amount, if any, of all such Earn Out
Obligations of the Borrower and its Subsidiaries potentially due in connection
with such Acquisition, as reasonably assessed by the Borrower at the time of
such Acquisition (such assessment to be supported by calculations and
information reasonably acceptable to the Administrative Agent).

     "Eligible Assets" means Property that is used or useful in the same or a
similar line of business as the Borrower and its Subsidiaries were engaged in on
the Closing Date (or any reasonable extensions or expansions thereof).

     "Eligible Assignee" has the meaning specified in Section 11.06(g).

     "Environmental Laws" means any and all federal, state, local, foreign and
other applicable statutes, laws, regulations, ordinances, rules, judgments,
orders, decrees, permits, concessions, grants, franchises, licenses, agreements
or governmental restrictions relating to pollution and the protection of the
environment or the release of any materials into the environment, including
those related to hazardous substances or wastes, air emissions and discharges to
waste or public systems.

     "Environmental Liability" means any liability, contingent or otherwise
(including any liability for damages, costs of environmental remediation, fines,
penalties or indemnities), of the Borrower, any other Loan Party or any of their
respective Subsidiaries directly or indirectly resulting from or based upon (a)
violation of any Environmental Law, (b) the generation, use, handling,
transportation, storage, treatment or disposal of any Hazardous Materials, (c)
exposure to any Hazardous Materials, (d) the release or threatened release of
any Hazardous Materials into the environment or (e) any contract, agreement or
other consensual arrangement pursuant to which liability is assumed or imposed
with respect to any of the foregoing.

     "Equity Issuance" means any issuance by the Borrower or any Subsidiary to
any Person of shares of its Capital Stock, other than (a) any issuance of shares
of its Capital Stock pursuant to the exercise of options or warrants, (b) any
issuance of shares of its Capital Stock pursuant to the conversion of any debt
securities to equity or the conversion of any class of equity securities to any
other class of equity securities, (c) any

                                       10

<PAGE>

issuance of options or warrants relating to its Capital Stock, (d) any issuance
by the Borrower of shares of its Capital Stock as consideration for, or the
proceeds of which are to be used to effect, a Permitted Acquisition and (e) any
issuance by the Borrower of shares of its Capital Stock to the Borrower's
directors, management or employees. The term "Equity Issuance" shall not be
deemed to include any Disposition.

     "ERISA" means the Employee Retirement Income Security Act of 1974.

     "ERISA Affiliate" means any trade or business (whether or not incorporated)
under common control with the Borrower within the meaning of Section 414(b) or
(c) of the Internal Revenue Code (and Sections 414(m) and (o) of the Internal
Revenue Code for purposes of provisions relating to Section 412 of the Internal
Revenue Code).

     "ERISA Event" means (a) a Reportable Event with respect to a Pension Plan;
(b) a withdrawal by the Borrower or any ERISA Affiliate from a Pension Plan
subject to Section 4063 of ERISA during a plan year in which it was a
substantial employer (as defined in Section 4001(a)(2) of ERISA) or a cessation
of operations that is treated as such a withdrawal under Section 4062(e) of
ERISA; (c) a complete or partial withdrawal by the Borrower or any ERISA
Affiliate from a Multiemployer Plan or notification that a Multiemployer Plan is
in reorganization; (d) the filing of a notice of intent to terminate, the
treatment of a Plan amendment as a termination under Sections 4041 or 4041A of
ERISA of, or the commencement of proceedings by the PBGC to terminate, a Pension
Plan or Multiemployer Plan; (e) an event or condition which constitutes grounds
under Section 4042 of ERISA for the termination of, or the appointment of a
trustee to administer, any Pension Plan or Multiemployer Plan; or (f) the
imposition of any liability under Title IV of ERISA, other than for PBGC
premiums due but not delinquent under Section 4007 of ERISA, upon the Borrower
or any ERISA Affiliate.

     "Eurodollar Base Rate" means, for any Interest Period with respect to a
Eurodollar Rate Loan, the rate per annum equal to the British Bankers
Association LIBOR Rate ("BBA LIBOR"), as published by Reuters (or other
commercially available source providing quotations of BBA LIBOR as designated by
the Administrative Agent from time to time) at approximately 11:00 a.m., London
time, two Business Days prior to the commencement of such Interest Period, for
Dollar deposits (for delivery on the first day of such Interest Period) with a
term equivalent to such Interest Period. If such rate is not available at such
time for any reason, then the "Eurodollar Rate" for such Interest Period shall
be the rate per annum determined by the Administrative Agent to be the rate at
which deposits in Dollars for delivery on the first day of such Interest Period
in same day funds in the approximate amount of the Eurodollar Rate Loan being
made, continued or converted by Bank of America and with a term equivalent to
such Interest Period would be offered by Bank of America's London Branch to
major banks in the London interbank eurodollar market at their request at
approximately 11:00 a.m. (London time) two Business Days prior to the
commencement of such Interest Period.

     "Eurodollar Rate" means for any Interest Period with respect to any
Eurodollar Rate Loan, a rate per annum determined by the Administrative Agent to
be equal to the quotient obtained by dividing (a) the Eurodollar Base Rate for
such Eurodollar Loan for such Interest Period by (b) one minus the Eurodollar
Reserve Percentage for such Eurodollar Loan for such Interest Period.

     "Eurodollar Rate Loan" means a Loan that bears interest at a rate based on
the Eurodollar Rate.

     "Eurodollar Reserve Percentage" means, for any day during any Interest
Period, the reserve percentage (expressed as a decimal, carried out to five
decimal places) in effect on such day, if any, whether or not applicable to any
Lender, under regulations issued from time to time by the FRB for determining
the maximum reserve requirement (including any emergency, supplemental or other
marginal reserve requirement) with respect to Eurodollar funding (currently
referred to as "Eurocurrency

                                       11

<PAGE>

liabilities"). The Eurodollar Rate for each outstanding Eurodollar Rate Loan
shall be adjusted automatically as of the effective date of any change in the
Eurodollar Reserve Percentage.

     "Event of Default" has the meaning specified in Section 9.01.

     "Excess Cash Flow" means, for any period for the Borrower and its
Subsidiaries, an amount equal to the sum of (a) Consolidated EBITDA minus (b)
Consolidated Capital Expenditures paid in cash minus (c) any cash consideration
and related fees and expenses paid in connection with a Permitted Acquisition,
minus (d) any Earn Out Obligation paid in cash minus (e) the cash portion of
Consolidated Interest Charges minus (f) Consolidated Cash Taxes minus (g)
Consolidated Scheduled Funded Debt Payments minus (h) the amount of any
voluntary prepayments made on the Term Loan during such period minus (i) the
amount of Stock Payments minus (j) increases in Consolidated Working Capital,
minus (k) mandatory cash principal payments on the Loans during such period and
optional cash principal payments on the Loans during such period (but only, in
the case of payment in respect of Revolving Loans, to the extent that the
Revolving Commitments are permanently reduced by the amount of such payments),
plus (l) decreases in Consolidated Working Capital, in each case on a
consolidated basis determined in accordance with GAAP.

     "Excluded Property" means, with respect to any Loan Party, including any
Person that becomes a Loan Party after the Closing Date as contemplated by
Section 7.12, (a) any owned or leased real or personal Property which is located
outside of the United States unless requested by the Administrative Agent or the
Required Lenders, (b) any personal Property (including, without limitation,
motor vehicles) in respect of which perfection of a Lien is not either (i)
governed by the Uniform Commercial Code or (ii) effected by appropriate evidence
of the Lien being filed in either the United States Copyright Office or the
United States Patent and Trademark Office, unless requested by the
Administrative Agent or the Required Lenders, (c) any Property which, subject to
the terms of Section 8.09, is subject to a Lien of the type described in Section
8.01(i) or (p) pursuant to documents which prohibit such Loan Party from
granting any other Liens in such Property and (d) any leased real property
(other than the Data Centers).

     "Existing Letters of Credit" means the letters of credit described by date
of issuance, letter of credit number, undrawn amount, name of beneficiary and
date of expiry on Schedule 1.01(b).

     "Facilities" means, at any time, a collective reference to the facilities
and real properties owned, leased or operated by the Borrower or any Subsidiary.

     "Federal Funds Rate" means, for any day, the rate per annum equal to the
weighted average of the rates on overnight federal funds transactions with
members of the Federal Reserve System arranged by federal funds brokers on such
day, as published by the Federal Reserve Bank of New York on the Business Day
next succeeding such day; provided that (a) if such day is not a Business Day,
the Federal Funds Rate for such day shall be such rate on such transactions on
the next preceding Business Day as so published on the next succeeding Business
Day, and (b) if no such rate is so published on such next succeeding Business
Day, the Federal Funds Rate for such day shall be the average rate (rounded
upward, if necessary, to a whole multiple of 1/100 of 1%) charged to Bank of
America on such day on such transactions as determined by the Administrative
Agent.

     "Fee Letter" means the letter agreement, dated August 26, 2005 among the
Borrower, the Administrative Agent and BAS.

     "First-Tier Foreign Subsidiary" means each Foreign Subsidiary that is owned
directly by the Borrower or a Guarantor.

                                       12

<PAGE>

     "Foreign Lender" has the meaning specified in Section 11.14(a)(i).

     "Foreign Subsidiary" means any Subsidiary that is not a Domestic
Subsidiary.

     "FRB" means the Board of Governors of the Federal Reserve System of the
United States.

     "Funded Indebtedness" means, as to any Person at a particular time, without
duplication, all of the following, whether or not included as indebtedness or
liabilities in accordance with GAAP:

          (a) all obligations for borrowed money, whether current or long-term
     (including the Obligations) and all obligations of such Person evidenced by
     bonds, debentures, notes, loan agreements or other similar instruments;

          (b) all purchase money Indebtedness;

          (c) all obligations arising under letters of credit (including standby
     and commercial), bankers' acceptances, bank guaranties, surety bonds and
     similar instruments (less the amount of cash collateral securing the same);

          (d) all obligations in respect of the deferred purchase price of
     property or services (other than trade accounts payable in the ordinary
     course of business), including without limitation, any Earn Out Obligations
     recognized as a liability on the balance sheet of the Borrower and its
     Subsidiaries in accordance with GAAP;

          (e) the Attributable Indebtedness of Capital Leases and Synthetic
     Leases;

          (f) the Attributable Indebtedness of Securitization Transactions;

          (g) all preferred stock or other equity interests providing for
     mandatory redemptions, sinking fund or like payments prior to the Maturity
     Date; and

          (h) all Guarantees with respect to Indebtedness of the types specified
     in clauses (a) through (g) above of another Person; and

          (i) all Indebtedness of the types referred to in clauses (a) through
     (h) above of any partnership or joint venture (other than a joint venture
     that is itself a corporation or limited liability company) in which such
     Person is a general partner or joint venturer, but only to the extent such
     Indebtedness is recourse to such Person.

     For purposes hereof, (x) the amount of any direct obligation arising under
     letters of credit (including standby and commercial), bankers' acceptances,
     bank guaranties, surety bonds and similar instruments shall be the maximum
     amount available to be drawn thereunder and (y) the amount of any Guarantee
     shall be the amount specified in the definition of the term "Guarantee".

     "GAAP" means generally accepted accounting principles in the United States
set forth in the opinions and pronouncements of the Accounting Principles Board
and the American Institute of Certified Public Accountants and statements and
pronouncements of the Financial Accounting Standards Board, consistently
applied.

     "Governmental Authority" means any nation or government, any state or other
political subdivision thereof, any agency, authority, instrumentality,
regulatory body, court, administrative

                                       13

<PAGE>

tribunal, central bank or other entity exercising executive, legislative,
judicial, taxing, regulatory or administrative powers or functions of or
pertaining to government.

     "Guarantee" means, as to any Person, any (a) any obligation, contingent or
otherwise, of such Person guaranteeing or having the economic effect of
guaranteeing any Indebtedness or other obligation payable or performable by
another Person (the "primary obligor") in any manner, whether directly or
indirectly, and including any obligation of such Person, direct or indirect, (i)
to purchase or pay (or advance or supply funds for the purchase or payment of)
such Indebtedness or other obligation, (ii) to purchase or lease property,
securities or services for the purpose of assuring the obligee in respect of
such Indebtedness or other obligation of the payment or performance of such
Indebtedness or other obligation, (iii) to maintain working capital, equity
capital or any other financial statement condition or liquidity or level of
income or cash flow of the primary obligor so as to enable the primary obligor
to pay such Indebtedness or other obligation, or (iv) entered into for the
purpose of assuring in any other manner the obligee in respect of such
Indebtedness or other obligation of the payment or performance thereof or to
protect such obligee against loss in respect thereof (in whole or in part), or
(b) any Lien on any assets of such Person securing any Indebtedness or other
obligation of any other Person, whether or not such Indebtedness or other
obligation is assumed by such Person. The amount of any Guarantee shall be
deemed to be an amount equal to the stated or determinable amount of the related
primary obligation, or portion thereof, in respect of which such Guarantee is
made or, if not stated or determinable, the maximum reasonably anticipated
liability in respect thereof as determined by the guaranteeing Person in good
faith. The term "Guarantee" as a verb has a corresponding meaning.

     "Guaranty" means the Guaranty made by the Guarantors in favor of the
Administrative Agent and the Lenders pursuant to Article IV hereof.

     "Guarantors" means each Domestic Subsidiary of the Borrower that is a
Wholly-Owned Subsidiary and a Material Subsidiary and each other Person that
joins as a Guarantor pursuant to Section 7.12, together with their successors
and permitted assigns.

     "Hazardous Materials" means all explosive or radioactive substances or
wastes and all hazardous or toxic substances, wastes or other pollutants,
including petroleum or petroleum distillates, asbestos or asbestos-containing
materials, polychlorinated biphenyls, radon gas, infectious or medical wastes
and all other substances or wastes of any nature regulated pursuant to any
Environmental Law.

     "Honor Date" has the meaning set forth in Section 2.03(c).

     "IMB Business" means the information management business division of NDC.

     "IMB Purchase Agreement" means that certain Stock Purchase Agreement dated
as of August 26, 2005 among NDC, NDC Health Information Services (Arizona) Inc.
and Wolters Kluwer Health, Inc.

     "IMB Sale" means the sale of the IMB Business to Wolters Kluwer Health,
Inc. pursuant to and in accordance with the terms of the IMB Purchase Agreement.

     "Immaterial Foreign Subsidiary" means, at any time, any First-Tier Foreign
Subsidiary which does not on a consolidated basis with its Subsidiaries (i) have
revenues for the most recently ended four fiscal quarter period constituting
5.0% or more of total revenues of the Borrower and its Subsidiaries on a
consolidated basis for such period, (ii) together with the other First-Tier
Foreign Subsidiaries (and Subsidiaries of such First-Tier Subsidiaries) with
respect to which the Administrative Agent has not received a pledge of 65% of
the Capital Stock of such First-Tier Foreign Subsidiaries, have aggregate
revenues for the most recently ended four fiscal quarter period constituting 10%
or more of total revenues

                                       14

<PAGE>

of the Borrower and its Subsidiaries on a consolidated basis for such period,
(iii) own assets constituting 5.0% or more of the total assets of the Borrower
and its Subsidiaries on a consolidated basis and (iv) together with all other
First-Tier Foreign Subsidiaries (and Subsidiaries of such First Tier
Subsidiaries) with respect to which the Administrative Agent has not received a
pledge of 65% of the Capital Stock of such First-Tier Foreign Subsidiaries, have
aggregate assets constituting 10% or more of the total assets of the Borrower
and its Subsidiaries on a consolidated basis.

     "Indebtedness" means, as to any Person at a particular time, without
duplication, all of the following, whether or not included as indebtedness or
liabilities in accordance with GAAP:

          (a) all Funded Indebtedness;

          (b) net obligations under any Swap Contract and all Guarantees with
     respect to such net obligations of any other Person; and

          (c) all Indebtedness of the types referred to in clauses (a) and (b)
     above of any partnership or joint venture (other than a joint venture that
     is itself a corporation or limited liability company) in which the Borrower
     or a Subsidiary is a general partner or joint venturer, but only to the
     extent such Indebtedness is recourse to the Borrower or such Subsidiary.

     For purposes hereof (y) the amount of any net obligation under any Swap
     Contract on any date shall be deemed to be the Swap Termination Value
     thereof as of such date and (z) the amount of specified in the definition
     of the term "Guarantee".

     "Indenture" means that certain Indenture dated as of June 30, 2004 among
the Borrower and U.S. Bank National Association, as trustee, as such Indenture
may be amended, modified, restated or supplemented and in effect from time to
time in accordance with the terms hereof and thereof.

     "Interest Payment Date" means (a) as to any Loan other than a Base Rate
Loan, the last day of each Interest Period applicable to such Loan and the
Maturity Date; provided, however, that if any Interest Period for a Eurodollar
Rate Loan exceeds three months, the respective dates that fall every three
months after the beginning of such Interest Period shall also be Interest
Payment Dates; and (b) as to any Base Rate Loan (including a Swing Line Loan),
the last Business Day of each March, June, September and December and the
Maturity Date.

     "Interest Period" means, as to each Eurodollar Rate Loan, the period
commencing on the date such Eurodollar Rate Loan is disbursed or converted to or
continued as a Eurodollar Rate Loan and ending on the date one, two, three or
six months thereafter, as selected by the Borrower in its Loan Notice; provided
that:

               (i) any Interest Period that would otherwise end on a day that is
          not a Business Day shall be extended to the next succeeding Business
          Day unless such Business Day falls in another calendar month, in which
          case such Interest Period shall end on the next preceding Business
          Day;

               (ii) any Interest Period that begins on the last Business Day of
          a calendar month (or on a day for which there is no numerically
          corresponding day in the calendar month at the end of such Interest
          Period) shall end on the last Business Day of the calendar month at
          the end of such Interest Period; and

               (iii) no Interest Period shall extend beyond the applicable
          Maturity Date; and

                                       15

<PAGE>

               (iv) with respect to the Term Loan, the first Interest Period
          commencing in January, 2006, shall end on March 31, 2006.

     "Interim Financial Statements" has the meaning set forth in Section
5.01(c).

     "Internal Control Event" means a material weakness in, or fraud that
involves management or other employees who have a significant role in, the
Borrower's internal controls over financial reporting, in each case as described
in the Securities Laws.

     "Internal Revenue Code" means the Internal Revenue Code of 1986.

     "Investment" means, as to any Person, any direct or indirect acquisition or
investment by such Person, whether by means of (a) the purchase or other
acquisition of Capital Stock of another Person, (b) a loan, advance or capital
contribution to, Guarantee or assumption of debt of, or purchase or other
acquisition of any other debt or equity participation or interest in, another
Person, including any partnership or joint venture interest in such other
Person, or (c) an Acquisition. For purposes of covenant compliance, the
outstanding amount of any Investment made by any Person at any time shall be
calculated as the initial amount of such Investment (including the fair market
value of all property transferred by such Person as part of such Investment)
minus the sum of, without duplication, (x) all returns of principal or capital
thereof received on or prior to such time by such Person (including all cash
dividends, cash distributions and cash repayments of Indebtedness received by
such Person) and (y) all liabilities of such Person expressly transferred, prior
to such time, in connection with the sale or disposition of such Investment, but
only to the extent such Person is fully released of such liabilities by such
transfer.

     "Involuntary Disposition" means any loss of, damage to or destruction of,
or any condemnation or other taking for public use of, any Property of the
Borrower or any of its Subsidiaries.

     "IP Rights" has the meaning set forth in Section 6.17.

     "IRS" means the United States Internal Revenue Service.

     "Issuer Documents" means with respect to any Letter of Credit, the Letter
of Credit Application, and any other document, agreement and instrument entered
into by the L/C Issuer and the Borrower (or any Subsidiary) or in favor of the
L/C Issuer and relating to any such Letter of Credit.

     "Joinder Agreement" means a joinder agreement substantially in the form of
Exhibit F executed and delivered by a Domestic Subsidiary in accordance with the
provisions of Section 7.12.

     "Laws" means, collectively, all international, foreign, federal, state and
local statutes, treaties, rules, guidelines, regulations, ordinances, codes and
administrative or judicial precedents or authorities, including the
interpretation or administration thereof by any Governmental Authority charged
with the enforcement, interpretation or administration thereof, and all
applicable administrative orders, directed duties, requests, licenses,
authorizations and permits of, and agreements with, any Governmental Authority,
in each case whether or not having the force of law.

     "L/C Advance" means, with respect to each Lender, such Lender's funding of
its participation in any L/C Borrowing in accordance with its Pro Rata Share.

                                       16

<PAGE>

     "L/C Borrowing" means an extension of credit resulting from a drawing under
any Letter of Credit which has not, as of the time specified in Section
2.01(c)(i), been reimbursed on the date when made or refinanced as a Borrowing
of Revolving Loans.

     "L/C Credit Extension" means, with respect to any Letter of Credit, the
issuance thereof or extension of the expiry date thereof, or the renewal or
increase of the amount thereof.

     "L/C Issuer" means Bank of America in its capacity as issuer of Letters of
Credit hereunder, or any successor issuer of Letters of Credit hereunder.

     "L/C Obligations" means, as at any date of determination, the aggregate
amount available to be drawn under all outstanding Letters of Credit plus the
aggregate of all Unreimbursed Amounts, including all L/C Borrowings. For
purposes of computing the amount available to be drawn under any Letter of
Credit, the amount of such Letter of Credit shall be determined in accordance
with Section 1.07. For all purposes of this Agreement, if on any date of
determination a Letter of Credit has expired by its terms but any amount may
still be drawn thereunder by reason of the operation of Rule 3.14 of the ISP,
such Letter of Credit shall be deemed to be "outstanding" in the amount so
remaining available to be drawn.

     "Lenders" means each of the Persons identified as a "Lender" on the
signature pages hereto and their successors and assigns and, as the context
requires, includes the L/C Issuer and the Swing Line Lender.

     "Lending Office" means, as to any Lender, the office or offices of such
Lender described as such in such Lender's Administrative Questionnaire, or such
other office or offices as a Lender may from time to time notify the Borrower
and the Administrative Agent.

     "Letter of Credit" means (a) any letter of credit issued hereunder and (b)
any Existing Letter of Credit. A Letter of Credit may be a commercial letter of
credit or a standby letter of credit.

     "Letter of Credit Application" means an application and agreement for the
issuance or amendment of a letter of credit in the form from time to time in use
by the L/C Issuer.

     "Letter of Credit Expiration Date" means the day that is five (5) Business
Days prior to the Maturity Date then in effect.

     "Letter of Credit Sublimit" means an amount equal to the lesser of (a) the
Aggregate Revolving Commitments and (b) $10,000,000. The Letter of Credit
Sublimit is part of, and not in addition to, the Aggregate Revolving
Commitments.

     "Lien" means any (i) mortgage, pledge, hypothecation, assignment, deposit
arrangement, encumbrance, lien (statutory or other) or charge of any kind or
nature whatsoever or (ii) preference, priority or other security interest or
preferential arrangement of any kind or nature whatsoever intended or imposed to
assure payment or performance of any obligation or liability (including any
conditional sale or other title retention agreement, and any financing lease
having substantially the same economic effect as any of the foregoing).

     "Loan" means an extension of credit by a Lender to the Borrower under
Article II in the form of a Revolving Loan, Swing Line Loan or Term Loan.

     "Loan Documents" means this Agreement, each Note, each Letter of Credit,
each Issuer Document, each Joinder Agreement, the Collateral Documents, each
Request for Credit Extension, each

                                       17

<PAGE>

Compliance Certificate, the Fee Letter and each other document, instrument or
agreement from time to time executed by the Borrower or any of its Subsidiaries
or any Responsible Officer thereof and delivered in connection with this
Agreement.

     "Loan Notice" means a notice of (a) a Borrowing of Revolving Loans or Term
Loan, (b) a conversion of Loans from one Type to the other, or (c) a
continuation of Eurodollar Rate Loans, pursuant to Section 2.02(a), which, if in
writing, shall be substantially in the form of Exhibit A.

     "Loan Parties" means, collectively, the Borrower and each Guarantor.

     "Material Adverse Effect" means (a) a material adverse change in, or a
material adverse effect upon the operations, business, properties, liabilities
(actual or contingent), financial condition or prospects of the Borrower and its
Subsidiaries, taken as a whole; (b) a material impairment of the ability of any
Loan Party to perform its obligations under any Loan Document to which it is a
party; or (c) a material adverse effect upon the legality, validity, binding
effect or enforceability against any Loan Party of any Loan Document to which it
is a party.

     "Material Subsidiary" means, as of any date of determination, any Domestic
Subsidiary that on a consolidated basis with its Subsidiaries (a) has assets in
excess of 2% of the total assets of the Borrower and its Subsidiaries on a
consolidated basis, (b) for the twelve month period most recently ended has
revenues in excess of 2% of the total revenues of the Borrower and its
Subsidiaries on a consolidated basis for such period, (c) together with any
other Domestic Subsidiaries that are Wholly Owned Subsidiaries that have not
provided a Subsidiary Guaranty hereunder, has assets, together with such
Domestic Subsidiaries and each of its Subsidiaries on a consolidated basis, in
excess of 5% of the total assets of the Borrower and its Subsidiaries on a
consolidated basis or (d) together with any other Domestic Subsidiaries that are
Wholly Owned Subsidiaries that have not provided a Subsidiary Guaranty
hereunder, for the twelve month period most recently ended has revenues,
together with such Domestic Subsidiaries and each of its Subsidiaries on a
consolidated basis, in excess of 5% of the total revenues of the Borrower and
its Subsidiaries on a consolidated basis for such period.

     "Maturity Date" (a) as to the Revolving Loans, Swing Line Loans and Letters
of Credit (and the related L/C Obligations), January 6, 2011 and (b) as to the
Term Loan, January 6, 2013.

     "Moody's" means Moody's Investors Service, Inc. and any successor thereto.

     "Mortgaged Property" means any real property that is owned or leased by a
Loan Party and is subject to a Mortgage.

     "Mortgages" means the mortgages, deeds of trust or deeds to secure debt
that purport to grant to the Administrative Agent a security interest in the fee
interest and/or leasehold interests of any Loan Party in (i) each of the real
properties designated as a "Mortgaged Property" on Schedule 6.20(a) and (ii)
each real property (other than Excluded Property) acquired or leased by a Loan
Party subsequent to the Closing Date, as the same may be amended, modified,
restated or supplemented from time to time.

     "Multiemployer Plan" means any employee benefit plan of the type described
in Section 4001(a)(3) of ERISA, to which the Borrower or any ERISA Affiliate
makes or is obligated to make contributions, or during the preceding five plan
years, has made or been obligated to make contributions.

     "NDC" means NDCHealth Corporation, a Delaware corporation.

                                       18

<PAGE>

     "NDC Acquisition" means the purchase by the Borrower of NDC and its
Subsidiaries pursuant to and in accordance with the terms of the NDC Purchase
Agreement.

     "NDC Acquisition Documents" means the NDC Purchase Agreement and such other
agreements, instruments and documents relating to the NDC Acquisition as are
required to be executed and delivered to effect the NDC Acquisition pursuant to
the NDC Purchase Agreement.

     "NDC Audited Financial Statements" has the meaning set forth in Section
5.01(c)(iii).

     "NDC Credit Agreement" means the $225,000,000 Credit Agreement dated as of
November 26, 2002, among NDC, the lenders party thereto, and Merrill Lynch
Capital, a division of Merrill Lynch Business Financial Services, Inc., as
administrative agent, as amended or otherwise modified and in effect immediately
prior to the Closing Date.

     "NDC Purchase Agreement" means that certain Agreement and Plan of Merger
dated as of August 26, 2005 among the Borrower, Royal Merger Co. and NDC.

     "NDC Subordinated Notes" means those 10.5% senior subordinated notes of NDC
due 2012 in the original aggregate principal amount of $200,000,000.

     "Net Cash Proceeds" means the aggregate cash or Cash Equivalents proceeds
received by the Borrower or any Subsidiary in respect of any Disposition, Equity
Issuance, Debt Issuance or Involuntary Disposition, net of (a) actual costs and
expenses incurred in connection therewith (including, without limitation, legal,
accounting and investment banking fees, discounts, consultant and advisory fees,
and sales commissions), (b) taxes paid or payable as a result thereof and (c) in
the case of any Disposition, the amount necessary to retire any Indebtedness
secured by a Permitted Lien on the related Property, and appropriate amounts
provided by the seller as a reserve (but only to the extent such amounts remain
set aside as a reserve), in accordance with GAAP, against all liabilities
associated with the property disposed of in such Disposition and retained by the
Borrower or any Subsidiary after such Disposition, including pension and other
post-employment benefit liabilities, liabilities relating to environmental
matters and liabilities under indemnification provisions associated with such
Disposition; it being understood that "Net Cash Proceeds" shall include, without
limitation, any cash or Cash Equivalents received upon the sale or other
disposition of any non-cash consideration received by the Borrower or any
Subsidiary in any Disposition, Equity Issuance, Debt Issuance or Involuntary
Disposition.

     "Non-Guarantor Subsidiary" means any Subsidiary that has not guaranteed,
and is not required hereunder to Guarantee, the Obligations pursuant to the
Guaranty.

     "Note" or "Notes" means the Revolving Notes, the Swing Line Note and/or the
Term Notes, individually or collectively, as appropriate.

     "Obligations" means all advances to, and debts, liabilities, obligations,
covenants and duties of, any Loan Party arising under any Loan Document or
otherwise with respect to any Loan or Letter of Credit, whether direct or
indirect (including those acquired by assumption), absolute or contingent, due
or to become due, now existing or hereafter arising and including interest and
fees with respect thereto that accrue after the commencement by or against any
Loan Party of any proceeding under any Debtor Relief Laws naming such Person as
the debtor in such proceeding, regardless of whether such interest and fees are
allowed claims in such proceeding. The foregoing shall also include (a) all
obligations under any Swap Contract between any Loan Party and any Lender or
Affiliate of a Lender and (b) all obligations under any Treasury Management
Agreement between any Loan Party and any Lender or Affiliate of a Lender.

                                       19

<PAGE>

     "Organization Documents" means, (a) with respect to any corporation, the
certificate or articles of incorporation and the bylaws (or equivalent or
comparable constitutive documents with respect to any non-U.S. jurisdiction);
(b) with respect to any limited liability company, the certificate or articles
of formation or organization and operating agreement; and (c) with respect to
any partnership, joint venture, trust or other form of business entity, the
partnership, joint venture or other applicable agreement of formation or
organization and any agreement, instrument, filing or notice with respect
thereto filed in connection with its formation or organization with the
applicable Governmental Authority in the jurisdiction of its formation or
organization and, if applicable, any certificate or articles of formation or
organization of such entity.

     "Outstanding Amount" means (i) with respect to any Loans on any date, the
aggregate outstanding principal amount thereof after giving effect to any
borrowings and prepayments or repayments of any Loans occurring on such date;
and (ii) with respect to any L/C Obligations on any date, the amount of such L/C
Obligations on such date after giving effect to any L/C Credit Extension
occurring on such date and any other changes in the aggregate amount of the L/C
Obligations as of such date, including as a result of any reimbursements of
outstanding unpaid drawings under any Letters of Credit or any reductions in the
maximum amount available for drawing under Letters of Credit taking effect on
such date.

     "Participant" has the meaning specified in Section 11.06(d).

     "PBGC" means the Pension Benefit Guaranty Corporation.

     "Pension Plan" means any "employee pension benefit plan" (as such term is
defined in Section 3(2) of ERISA), other than a Multiemployer Plan, that is
subject to Title IV of ERISA and is sponsored or maintained by the Borrower or
any ERISA Affiliate or to which the Borrower or any ERISA Affiliate contributes
or has an obligation to contribute, or in the case of a multiple employer or
other plan described in Section 4064(a) of ERISA, has made contributions at any
time during the immediately preceding five plan years.

     "Permitted Acquisitions" means Investments consisting of an Acquisition by
the Borrower or any Subsidiary of the Borrower, provided that (i) the Property
acquired (or the Property of the Person acquired) in such Acquisition is used or
useful in the same or a similar line of business as the Borrower and its
Subsidiaries were engaged in on the Closing Date (or any reasonable extensions
or expansions thereof), (ii) in the case of an Acquisition of the Capital Stock
of another Person, the Person acquired shall become either a direct Domestic
Subsidiary of a Loan Party or an Immaterial Foreign Subsidiary, (iii) promptly,
and in any event not later than thirty (30) days, following the consummation of
such Acquisition, or such later date as may be agreed to by the Administrative
Agent, the Administrative Agent shall have received all items in respect of the
Capital Stock or Property acquired in such Acquisition required to be delivered
by the terms of Section 7.12 and/or Section 7.14, (iv) in the case of an
Acquisition of the Capital Stock of another Person, the board of directors (or
other comparable governing body) of such other Person shall have duly approved
such Acquisition, (v) the Borrower shall have delivered to the Administrative
Agent a Pro Forma Compliance Certificate demonstrating that, upon giving effect
to such Acquisition on a Pro Forma Basis, the Loan Parties would be in
compliance with the financial covenants set forth in Section 8.11 as of the most
recent fiscal quarter for which the Borrower has delivered financial statements
pursuant to Section 7.01(a) or (b), (vi) the representations and warranties made
by the Loan Parties in any Loan Document shall be true and correct in all
material respects at and as if made as of the date of such Acquisition (after
giving effect thereto) except to the extent such representations and warranties
expressly relate to an earlier date, (vii) if such transaction involves the
purchase of an interest in a partnership between the Borrower (or a Subsidiary
of the Borrower) as a general partner and entities unaffiliated with the
Borrower or such Subsidiary as the other partners, such

                                       20

<PAGE>

transaction shall be effected by having such equity interest acquired by a
corporate holding company directly or indirectly wholly-owned by the Borrower
newly formed for the sole purpose of effecting such transaction, (viii)
immediately after giving effect to such Acquisition, the Borrower shall have a
combination of at least $10,000,000 of availability existing under the Aggregate
Revolving Commitments and unrestricted cash or Cash Equivalents on its balance
sheet, and (ix) the aggregate consideration (including cash and non-cash
consideration, any assumption of Indebtedness, deferred purchase price, any Earn
Out Obligations and any cash deposits made in connection with any letter of
intent or acquisition agreement with respect to such Permitted Acquisition, but
excluding the issuance of Capital Stock) for all such Acquisitions during any
fiscal year shall not exceed $30,000,000; provided, however, (a) if the
Consolidated Senior Leverage Ratio (calculated on a Pro Forma Basis after giving
effect to such Acquisition) is less than 2.5 to 1.0, Acquisitions for aggregate
consideration (including cash and non-cash consideration, any assumption of
Indebtedness, deferred purchase price and any Earn Out Obligations, but
excluding the issuance of Capital Stock) up to an aggregate amount equal to 50%
of Consolidated EBITDA for the most recently ended fiscal year may be
consummated in the next succeeding fiscal year or (b) if the Consolidated Senior
Leverage Ratio (calculated on a Pro Forma Basis after giving effect to such
Acquisition) is less than 2.0 to 1.0, Acquisitions for aggregate consideration
(including cash and non-cash consideration, any assumption of Indebtedness,
deferred purchase price and any Earn Out Obligations, but excluding the issuance
of Capital Stock) up to an amount equal to 75% of Consolidated EBITDA for the
most recently ended fiscal year may be consummated in the next succeeding fiscal
year. Notwithstanding the limitation on aggregate consideration for Acquisitions
contained in the foregoing clause (ix) above, (A) the Borrower or any Subsidiary
of the Borrower may make additional Acquisitions in any fiscal year with the Net
Cash Proceeds previously received from Dispositions that are available to the
Borrower for reinvestment in Eligible Assets in accordance with Section
2.05(b)(ii) and (B) if the Borrower does not consummate Permitted Acquisitions
in any fiscal year up to the full amount permitted by clause (ix), the unused
amount for such fiscal year shall be carried forward to the next fiscal year and
added to the amount otherwise allowed for Permitted Acquisitions for such next
fiscal year pursuant to clause (ix); provided, however, that (A) any amount so
carried forward shall be deemed to have been used for Permitted Acquisitions in
such next following fiscal year only after the full amount allocated by clause
(ix) for such fiscal year has been utilized, (B) such amount carried forward
shall not exceed the greater of $30,000,000 and 50% of the full amount permitted
for such fiscal year pursuant to clause (ix) above, and (C) any such amount so
carried forward shall not be carried forward to any subsequent year. For
purposes of clarification, it is understood and agreed that any Permitted
Acquisition made in conformity with the pro forma Consolidated Senior Leverage
Ratio requirement identified in clause (ix) shall continue to be deemed to be a
Permitted Acquisition even if the Consolidated Senior Leverage Ratio subsequent
to such Permitted Acquisition increases above the applicable pro forma
Consolidated Senior Leverage Ratio required at the time of such Permitted
Acquisition by clause (ix).

     "Permitted Investments" means, at any time, Investments by the Borrower or
any of its Subsidiaries permitted to exist at such time pursuant to the terms of
Section 8.02.

     "Permitted Liens" means, at any time, Liens in respect of Property of the
Borrower or any of its Subsidiaries permitted to exist at such time pursuant to
the terms of Section 8.01.

     "Person" means any natural person, corporation, limited liability company,
trust, joint venture, association, company, partnership, Governmental Authority
or other entity.

     "Plan" means any "employee benefit plan" (as such term is defined in
Section 3(3) of ERISA) established by the Borrower or, with respect to any such
plan that is subject to Section 412 of the Internal Revenue Code or Title IV of
ERISA, any ERISA Affiliate.

     "Platform" has the meaning specified in Section 7.02.

                                       21

<PAGE>

     "Pledge Agreement" means the pledge agreement dated as of the Closing Date
executed in favor of the Administrative Agent by each of the Loan Parties, as
amended, modified, restated or supplemented from time to time.

     "Pro Forma Basis" means, for purposes of calculating the financial
covenants set forth in Section 8.11 (including for purposes of determining the
Applicable Rate), that any Disposition of a Business Unit or Acquisition shall
be deemed to have occurred as of the first day of the most recent four fiscal
quarter period preceding the date of such transaction for which the Borrower has
delivered financial statements pursuant to Section 7.01(a) or (b). In connection
with the foregoing, (a) with respect to any Disposition of a Business Unit,
income statement and cash flow statement items (whether positive or negative)
attributable to the Property disposed of shall be excluded to the extent
relating to any period occurring prior to the date of such transaction and (b)
with respect to any Acquisition, (i) income statement items (whether positive or
negative) attributable to the Person or Property acquired shall be included to
the extent relating to any period applicable in such calculations to the extent
(A) such items are not otherwise included in such income statement items for the
Borrower and its Subsidiaries in accordance with GAAP or in accordance with any
defined terms set forth in Section 1.01 and (B) such items are supported by
audited financial statements or other information reasonably satisfactory to the
Administrative Agent and (ii) any Indebtedness incurred or assumed by the
Borrower or any Subsidiary (including the Person or property acquired) or
repaid, as the case may be, in connection with such transaction (A) shall be
deemed to have been incurred or repaid, as the case may be, as of the first day
of the applicable period and (B) if such Indebtedness incurred or assumed has a
floating or formula rate, shall have an implied rate of interest for the
applicable period for purposes of this definition determined by utilizing the
rate which is or would be in effect with respect to such Indebtedness as at the
relevant date of determination. In connection with any calculation made
hereunder on a Pro Forma Basis, such calculation shall be made in accordance
with Article 11 of Regulation S-X promulgated under the Securities Act (to the
extent applicable); provided that any adjustments in accordance with Regulation
S-X must be verified as being done in accordance with GAAP by independent third
party accountants of recognized national standing.

     "Pro Forma Compliance Certificate" means a certificate of a Responsible
Officer of the Borrower containing reasonably detailed calculation of the
financial covenants set forth in Section 8.11 as of the most recent fiscal
quarter end for which the Borrower has delivered financial statements pursuant
to Section 7.01(a) or (b) after giving effect to the applicable transaction on a
Pro Forma Basis.

     "Pro Rata Share" means, as to each Lender at any time, (a) with respect to
such Lender's Revolving Commitment at any time, a fraction (expressed as a
percentage, carried out to the ninth decimal place), the numerator of which is
the amount of the Revolving Commitment of such Lender at such time and the
denominator of which is the amount of the Aggregate Revolving Commitments at
such time; provided that if the commitment of each Lender to make Revolving
Loans and the obligation of the L/C Issuer to make L/C Credit Extensions have
been terminated pursuant to Section 9.02, then the Pro Rata Share of each Lender
shall be determined based on the Pro Rata Share of such Lender immediately prior
to such termination and after giving effect to any subsequent assignments made
pursuant to the terms hereof, and (b) with respect to such Lender's outstanding
Term Loan at any time, a fraction (expressed as a percentage, carried out to the
ninth decimal place), the numerator of which is the principal amount of the Term
Loan held by such Lender at such time and the denominator of which is the
aggregate principal amount of the Term Loan at such time. The initial Pro Rata
Share of each Lender is set forth opposite the name of such Lender on Schedule
2.01 or in the Assignment and Assumption pursuant to which such Lender becomes a
party hereto, as applicable.

     "Property" means any interest of any kind in any property or asset, whether
real, personal or mixed, or tangible or intangible.

                                       22

<PAGE>

     "Public Lender" has the meaning specified in Section 7.02.

     "Register" has the meaning set forth in Section 11.06(c).

     "Related Parties" means, with respect to any Person, such Person's
Affiliates and the partners, directors, officers, employees, agents, trustees
and advisors of such Person and of such Person's Affiliates.

     "Reportable Event" means any of the events set forth in Section 4043(c) of
ERISA, other than events for which the thirty-day notice period has been waived.

     "Request for Credit Extension" means (a) with respect to a Borrowing,
conversion or continuation of Loans, a Loan Notice, (b) with respect to an L/C
Credit Extension, a Letter of Credit Application, and (c) with respect to a
Swing Line Loan, a Swing Line Loan Notice.

     "Required Lenders" means, at any time, Lenders holding in the aggregate
more than fifty percent (50%) of (a) the Revolving Commitments and the
outstanding Term Loans or (b) if the Revolving Commitments have been terminated,
the outstanding Loans, L/C Obligations, Swing Line Loans and participations
therein. The Revolving Commitments of, and the outstanding Term Loans held or
deemed held by, any Defaulting Lender shall be excluded for purposes of making a
determination of Required Lenders.

     "Responsible Officer" means the chief executive officer, president or chief
financial officer, treasurer, chief accounting officer or general counsel (in
the case of legal matters) of a Loan Party. Any document delivered hereunder
that is signed by a Responsible Officer of a Loan Party shall be conclusively
presumed to have been authorized by all necessary corporate, partnership and/or
other action on the part of such Loan Party and such Responsible Officer shall
be conclusively presumed to have acted on behalf of such Loan Party.

     "Restricted Payment" means any dividend or other distribution (whether in
cash, securities or other property) with respect to any Capital Stock of the
Borrower or any Subsidiary, or any payment (whether in cash, securities or other
property), including any sinking fund or similar deposit, on account of the
purchase, redemption, retirement, acquisition, cancellation or termination of
any such Capital Stock or of any option, warrant or other right to acquire any
such Capital Stock.

     "Revolving Commitment" means, as to each Lender, its obligation to (a) make
Revolving Loans to the Borrower pursuant to Section 2.01, (b) purchase
participations in L/C Obligations, and (c) purchase participations in Swing Line
Loans, in an aggregate principal amount at any one time outstanding not to
exceed the amount set forth opposite such Lender's name on Schedule 2.01 or in
the Assignment and Assumption pursuant to which such Lender becomes a party
hereto, as applicable, as such amount may be adjusted from time to time in
accordance with this Agreement.

     "Revolving Loan" has the meaning specified in Section 2.01(a).

     "Revolving Note" has the meaning specified in Section 2.11(a).

     "S&P" means Standard & Poor's Ratings Services, a division of The
McGraw-Hill Companies, Inc. and any successor thereto.

                                       23

<PAGE>

     "Sale and Leaseback Transaction" means, with respect to the Borrower or any
Subsidiary, any arrangement, directly or indirectly, with any Person whereby the
Borrower or such Subsidiary shall sell or transfer any property, real or
personal, used or useful in its business, whether now owned or hereafter
acquired, and thereafter rent or lease such property or other property that it
intends to use for substantially the same purpose or purposes as the property
being sold or transferred.

     "Sarbanes-Oxley" means the Sarbanes-Oxley Act of 2002.

     "SEC" means the Securities and Exchange Commission, or any Governmental
Authority succeeding to any of its principal functions.

     "Securities Laws" means the Securities Act of 1933, the Securities Exchange
Act of 1934, Sarbanes-Oxley and the applicable accounting and auditing
principles, rules, standards and practices promulgated, approved or incorporated
by the SEC or the Public Company Accounting Oversight Board, as each of the
foregoing may be amended and in effect on any applicable date hereunder.

     "Securitization Transaction" means any financing transaction or series of
financing transactions (including factoring arrangements) pursuant to which the
Borrower or any Subsidiary may sell, convey or otherwise transfer, or grant a
security interest in, accounts, payments, receivables, rights to future lease
payments or residuals or similar rights to payment to a special purpose
subsidiary or affiliate of the Borrower.

     "Security Agreement" means the security agreement dated as of the Closing
Date executed in favor of the Administrative Agent by each of the Loan Parties,
as amended, modified, restated or supplemented from time to time.

     "Solvent" or "Solvency" means, with respect to any Person as of a
particular date, that on such date (a) such Person is able to pay its debts and
other liabilities, contingent obligations and other commitments as they mature
in the ordinary course of business, (b) such Person does not intend to, and does
not believe that it will, incur debts or liabilities beyond such Person's
ability to pay as such debts and liabilities mature in their ordinary course,
(c) such Person is not engaged in a business or a transaction, and is not about
to engage in a business or a transaction, for which such Person's Property would
constitute unreasonably small capital after giving due consideration to the
prevailing practice in the industry in which such Person is engaged or is to
engage, (d) the fair value of the Property of such Person is greater than the
total amount of liabilities, including, without limitation, contingent
liabilities, of such Person and (e) the present fair salable value of the assets
of such Person is not less than the amount that will be required to pay the
probable liability of such Person on its debts as they become absolute and
matured. In computing the amount of contingent liabilities at any time, it is
intended that such liabilities will be computed at the amount which, in light of
all the facts and circumstances existing at such time, represents the amount
that can reasonably be expected to become an actual or matured liability.

     "Stock Payment" has the meaning specified in Section 8.06(d)

     "Subordinated Indebtedness" means (a) Indebtedness of the Borrower and its
Subsidiaries under the Convertible Subordinated Debentures and (b) any other
Indebtedness of the Borrower issued subsequent to the Closing Date which (i) by
its terms is expressly subordinated in right of payment to the prior payment of
the Obligations under this Agreement and the other Loan Documents containing
terms and conditions (including without limitation subordination provisions)
customary for subordinated Indebtedness of similar type and otherwise reasonably
satisfactory to the Administrative Agent and (ii) is not subject to any
mandatory payments, prepayments, redemptions or repurchases at any time prior to
the date 180 days after the Maturity Date for the Term Loan.

                                       24

<PAGE>

     "Subsidiary" of a Person means a corporation, partnership, joint venture,
limited liability company or other business entity of which a majority of the
shares of Capital Stock having ordinary voting power for the election of
directors or other governing body (other than Capital Stock having such power
only by reason of the happening of a contingency) are at the time beneficially
owned, or the management of which is otherwise controlled, directly, or
indirectly through one or more intermediaries, or both, by such Person. Unless
otherwise specified, all references herein to a "Subsidiary" or to
"Subsidiaries" shall refer to a Subsidiary or Subsidiaries of the Borrower.

     "Swap Contract" means (a) any and all rate swap transactions, basis swaps,
credit derivative transactions, forward rate transactions, commodity swaps,
commodity options, forward commodity contracts, equity or equity index swaps or
options, bond or bond price or bond index swaps or options or forward bond or
forward bond price or forward bond index transactions, interest rate options,
forward foreign exchange transactions, cap transactions, floor transactions,
collar transactions, currency swap transactions, cross-currency rate swap
transactions, currency options, spot contracts, or any other similar
transactions or any combination of any of the foregoing (including any options
to enter into any of the foregoing), whether or not any such transaction is
governed by or subject to any master agreement, and (b) any and all exchange,
swap or hedge transactions of any kind, and the related confirmations, which are
subject to the terms and conditions of, or governed by, any form of master
agreement published by the International Swaps and Derivatives Association,
Inc., any International Foreign Exchange Master Agreement, or any other similar
master agreement for such transactions (any such master agreement, together with
any related schedules, a "Master Agreement"), including any such obligations or
liabilities under any Master Agreement.

     "Swap Termination Value" means, in respect of any one or more Swap
Contracts, after taking into account the effect of any legally enforceable
netting agreement relating to such Swap Contracts, (a) for any date on or after
the date such Swap Contracts have been closed out and termination value(s)
determined in accordance therewith, such termination value(s), and (b) for any
date prior to the date referenced in clause (a), the amount(s) determined as the
mark-to-market value(s) for such Swap Contracts, as determined based upon one or
more mid-market or other readily available quotations provided by any recognized
dealer in such Swap Contracts (which may include a Lender or any Affiliate of a
Lender).

     "Swing Line Lender" means Bank of America in its capacity as provider of
Swing Line Loans, or any successor swing line lender hereunder.

     "Swing Line Loan" has the meaning specified in Section 2.04(a).

     "Swing Line Loan Notice" means a notice of a Borrowing of Swing Line Loans
pursuant to Section 2.04(b), which, if in writing, shall be substantially in the
form of Exhibit B.

     "Swing Line Note" has the meaning specified in Section 2.11(a).

     "Swing Line Sublimit" means an amount equal to the lesser of (a)
$10,000,000 and (b) the Aggregate Revolving Commitments. The Swing Line Sublimit
is part of, and not in addition to, the Aggregate Revolving Commitments.

     "Synthetic Lease" means any synthetic lease, tax retention operating lease,
off-balance sheet loan or similar off-balance sheet financing arrangement
whereby the arrangement is considered borrowed money indebtedness for tax
purposes but is classified as an operating lease or does not otherwise appear on
the balance sheet under GAAP.

                                       25

<PAGE>

     "Term Loan" has the meaning specified in Section 2.01(b).

     "Term Loan Commitment" means, as to each Lender, its obligation to make its
portion of the Term Loan to the Borrower pursuant to Section 2.01(b), in the
principal amount set forth opposite such Lender's name on Schedule 2.01. The
aggregate principal amount of the Term Loan Commitments of all of the Lenders as
in effect on the Closing Date is FOUR HUNDRED THIRTY FIVE MILLION DOLLARS
($435,000,000).

     "Term Note" has the meaning specified in Section 2.11(a).

     "Threshold Amount" means $5,000,000.

     "Total Revolving Outstandings" means the aggregate Outstanding Amount of
all Revolving Loans, all Swing Line Loans and all L/C Obligations.

     "Treasury Management Agreement" means any agreement governing the provision
of treasury or cash management services, including deposit accounts, funds
transfer, automated clearinghouse, zero balance accounts, returned check
concentration, controlled disbursement, lockbox, account reconciliation and
reporting and trade finance services.

     "Type" means, with respect to any Loan, its character as a Base Rate Loan
or a Eurodollar Rate Loan.

     "Unfunded Pension Liability" means the excess of a Pension Plan's benefit
liabilities under Section 4001(a)(16) of ERISA, over the current value of that
Pension Plan's assets, determined in accordance with the assumptions used for
funding the Pension Plan pursuant to Section 412 of the Internal Revenue Code
for the applicable plan year.

     "United States" and "U.S." mean the United States of America.

     "Unreimbursed Amount" has the meaning set forth in Section 2.03(c)(i).

     "Voting Stock" means, with respect to any Person, Capital Stock issued by
such Person, the holders of which are ordinarily, in the absence of
contingencies, entitled to vote for the election of directors (or persons
performing similar functions) of such Person, even though the right so to vote
has been suspended by the happening of such a contingency.

     "Wholly Owned Subsidiary" means any Person 100% of whose Capital Stock is
at the time owned by the Borrower directly or indirectly through other Persons
100% of whose Capital Stock is at the time owned, directly or indirectly, by the
Borrower.

1.02 Other Interpretive Provisions.

     With reference to this Agreement and each other Loan Document, unless
otherwise specified herein or in such other Loan Document:

          (a) The meanings of defined terms are equally applicable to the
     singular and plural forms of the defined terms.

                                       26

<PAGE>

          (b) (i) The words "herein," "hereto," "hereof" and "hereunder" and
          words of similar import when used in any Loan Document shall refer to
          such Loan Document as a whole and not to any particular provision
          thereof.

          (ii) Article, Section, Exhibit and Schedule references are to the Loan
     Document in which such reference appears.

          (iii) The term "including" is by way of example and not limitation.

          (iv) The term "documents" includes any and all instruments, documents,
     agreements, certificates, notices, reports, financial statements and other
     writings, however evidenced, whether in physical or electronic form.

          (c) In the computation of periods of time from a specified date to a
     later specified date, the word "from" means "from and including;" the words
     "to" and "until" each mean "to but excluding;" and the word "through" means
     "to and including."

          (d) Section headings herein and in the other Loan Documents are
     included for convenience of reference only and shall not affect the
     interpretation of this Agreement or any other Loan Document.

1.03 Accounting Terms.

     (a) Except as otherwise specifically prescribed herein, all accounting
terms not specifically or completely defined herein shall be construed in
conformity with, and all financial data (including financial ratios and other
financial calculations) required to be submitted pursuant to this Agreement
shall be prepared in conformity with, GAAP applied on a consistent basis, as in
effect from time to time, applied in a manner consistent with that used in
preparing the Audited Financial Statements; provided, however, that calculations
of Attributable Indebtedness under any Synthetic Lease or the implied interest
component of any Synthetic Lease shall be made by the Borrower in accordance
with accepted financial practice and consistent with the terms of such Synthetic
Lease.

     (b) The Borrower will provide a written summary of material changes in GAAP
and in the consistent application thereof with each annual and quarterly
Compliance Certificate delivered in accordance with Section 7.02(b). If at any
time any change in GAAP would affect the computation of any financial ratio or
requirement set forth in any Loan Document, and either the Borrower or the
Required Lenders shall so request, the Administrative Agent, the Lenders and the
Borrower shall negotiate in good faith to amend such ratio or requirement to
preserve the original intent thereof in light of such change in GAAP (subject to
the approval of the Required Lenders); provided that, until so amended, (i) such
ratio or requirement shall continue to be computed in accordance with GAAP prior
to such change therein and (ii) the Borrower shall provide to the Administrative
Agent and the Lenders financial statements and other documents required under
this Agreement or as reasonably requested hereunder setting forth a
reconciliation between calculations of such ratio or requirement made before and
after giving effect to such change in GAAP.

     (c) Notwithstanding the above, the parties hereto acknowledge and agree
that all calculations of the financial covenants in Section 8.11 (including for
purposes of determining the Applicable Rate) shall be made on a Pro Forma Basis.

                                       27

<PAGE>

1.04 Rounding.

     Any financial ratios required to be maintained by the Borrower pursuant to
this Agreement shall be calculated by dividing the appropriate component by the
other component, carrying the result to one place more than the number of places
by which such ratio is expressed herein and rounding the result up or down to
the nearest number (with a rounding-up if there is no nearest number).

1.05 References to Agreements and Laws.

     Unless otherwise expressly provided herein, (a) references to Organization
Documents, agreements (including the Loan Documents) and other contractual
instruments shall be deemed to include all subsequent amendments, restatements,
extensions, supplements and other modifications thereto, but only to the extent
that such amendments, restatements, extensions, supplements and other
modifications are not prohibited by any Loan Document; and (b) references to any
Law shall include all statutory and regulatory provisions consolidating,
amending, replacing, supplementing or interpreting such Law.

1.06 Times of Day.

     Unless otherwise specified, all references herein to times of day shall be
references to Eastern time (daylight or standard, as applicable).

1.07 Letter of Credit Amounts.

     Unless otherwise specified herein, the amount of a Letter of Credit at any
time shall be deemed to be the stated amount of such Letter of Credit in effect
at such time; provided, however, that with respect to any Letter of Credit that,
by its terms or the terms of any Issuer Document related thereto, provides for
one or more automatic increases in the stated amount thereof, the amount of such
Letter of Credit shall be deemed to be the maximum stated amount of such Letter
of Credit after giving effect to all such increases, whether or not such maximum
stated amount is in effect at such time.

                                   ARTICLE II

                      THE COMMITMENTS AND CREDIT EXTENSIONS

2.01 Revolving Loans and Term Loan.

     (a) Revolving Loans. Subject to the terms and conditions set forth herein,
each Lender severally agrees to make loans (each such loan, a "Revolving Loan")
to the Borrower in Dollars from time to time on any Business Day during the
Availability Period in an aggregate amount not to exceed at any time outstanding
the amount of such Lender's Revolving Commitment; provided, however, that after
giving effect to any Borrowing of Revolving Loans, (i) the Total Revolving
Outstandings shall not exceed the Aggregate Revolving Commitments, and (ii) the
aggregate Outstanding Amount of the Revolving Loans of any Lender, plus such
Lender's applicable Pro Rata Share of the Outstanding Amount of all L/C
Obligations, plus such Lender's applicable Pro Rata Share of the Outstanding
Amount of all Swing Line Loans shall not exceed such Lender's Revolving
Commitment. Within the limits of each Lender's Revolving Commitment, and subject
to the other terms and conditions hereof, the Borrower may borrow under this
Section 2.01, prepay under Section 2.05, and reborrow under this Section 2.01.
Revolving Loans may be Base Rate Loans or Eurodollar Rate Loans, as further
provided herein; provided, however, all Borrowings made on the Closing Date
shall be made as Base Rate Loans.

                                       28

<PAGE>

     (b) Term Loan. Subject to the terms and conditions set forth herein, each
Lender severally agrees to make its applicable Pro Rata Share of a term loan
(the "Term Loan") to the Borrower in Dollars on the Closing Date in an amount
not to such Lender's Term Loan Commitment. Amounts repaid or prepaid on the Term
Loan may not be reborrowed. The Term Loan may consist of Base Rate Loans or
Eurodollar Rate Loans, as further provided herein.

2.02 Borrowings, Conversions and Continuations of Loans.

     (a) Each Borrowing, each conversion of Loans from one Type to the other,
and each continuation of Eurodollar Rate Loans shall be made upon the Borrower's
irrevocable notice to the Administrative Agent, which may be given by telephone.
Each such notice must be received by the Administrative Agent not later than
11:00 a.m. (i) three Business Days prior to the requested date of any Borrowing
of, conversion to or continuation of, Eurodollar Rate Loans or of any conversion
of Eurodollar Rate Loans to Base Rate Loans, and (ii) on the requested date of
any Borrowing of Base Rate Loans. Each telephonic notice by the Borrower
pursuant to this Section 2.02(b) must be confirmed promptly by delivery to the
Administrative Agent of a written Loan Notice, appropriately completed and
signed by a Responsible Officer of the Borrower. Each Borrowing of, conversion
to or continuation of Eurodollar Rate Loans shall be in a principal amount of
$1,000,000 or a whole multiple of $1,000,000 in excess thereof. Except as
provided in Sections 2.03(c) and 2.04(c), each Borrowing of or conversion to
Base Rate Loans shall be in a principal amount of $250,000 or a whole multiple
of $100,000 in excess thereof. Each Loan Notice (whether telephonic or written)
shall specify (i) whether the Borrower is requesting a Borrowing, a conversion
of Loans from one Type to the other, or a continuation of Eurodollar Rate Loans,
(ii) the requested date of the Borrowing, conversion or continuation, as the
case may be (which shall be a Business Day), (iii) the principal amount of Loans
to be borrowed, converted or continued, (iv) the Type of Loans to be borrowed or
to which existing Loans are to be converted, and (v) if applicable, the duration
of the Interest Period with respect thereto. If the Borrower fails to specify a
Type of a Loan in a Loan Notice or if the Borrower fails to give a timely notice
requesting a conversion or continuation, then the applicable Loans shall be made
as, or converted to, Base Rate Loans. Any such automatic conversion to Base Rate
Loans shall be effective as of the last day of the Interest Period then in
effect with respect to the applicable Eurodollar Rate Loans. If the Borrower
requests a Borrowing of, conversion to, or continuation of Eurodollar Rate Loans
in any Loan Notice, but fails to specify an Interest Period, it will be deemed
to have specified an Interest Period of one month.

     (b) Following receipt of a Loan Notice, the Administrative Agent shall
promptly notify each Lender of the amount of its Pro Rata Share of the
applicable Loans, and if no timely notice of a conversion or continuation is
provided by the Borrower, the Administrative Agent shall notify each Lender of
the details of any automatic conversion to Base Rate Loans as described in the
preceding subsection. In the case of a Borrowing, each Lender shall make the
amount of its Loan available to the Administrative Agent in immediately
available funds at the Administrative Agent's Office not later than 1:00 p.m. on
the Business Day specified in the applicable Loan Notice. Upon satisfaction of
the applicable conditions set forth in Section 5.02 (and, if such Borrowing is
the initial Credit Extension, Section 5.01), the Administrative Agent shall make
all funds so received available to the Borrower in like funds as received by the
Administrative Agent either by (i) crediting the account of the Borrower on the
books of Bank of America with the amount of such funds or (ii) wire transfer of
such funds, in each case in accordance with instructions provided to the
Administrative Agent by the Borrower; provided, however, that if, on the date of
a Borrowing of Revolving Loans, there are L/C Borrowings outstanding, then the
proceeds of such Borrowing shall be applied, first, to the payment in full of
any such L/C Borrowings, and second, to the Borrower as provided above.

     (c) Except as otherwise provided herein, a Eurodollar Rate Loan may be
continued or converted only on the last day of the Interest Period for such
Eurodollar Rate Loan.

                                       29

<PAGE>

     (d) The Administrative Agent shall promptly notify the Borrower and the
Lenders of the interest rate applicable to any Interest Period for Eurodollar
Rate Loans upon determination of such interest rate. The determination of the
Eurodollar Rate by the Administrative Agent shall be conclusive in the absence
of manifest error. At any time that Base Rate Loans are outstanding, the
Administrative Agent shall notify the Borrower and the Lenders of any change in
Bank of America's prime rate used in determining the Base Rate promptly
following the public announcement of such change.

     (e) After giving effect to all Borrowings, all conversions of Loans from
one Type to the other, and all continuations of Loans as the same Type, there
shall not be more than 7 Interest Periods in effect with respect to all Loans.

     (e) The Borrower may at any time and from time to time, upon prior written
notice by the Borrower to the Administrative Agent, increase the Aggregate
Revolving Commitments (but not the Letter of Credit Sublimit) by up to FIFTY
MILLION DOLLARS ($50,000,000) with additional Commitments from any existing
Lender or new Commitments from any other Person selected by the Borrower and
reasonably acceptable to the Administrative Agent; provided that:

          (i) any such increase shall be in a minimum principal amount of
     $10,000,000 and in integral multiples of $1,000,000 in excess thereof;

          (ii) no Default or Event of Default shall exist and be continuing at
     the time of any such increase;

          (iii) no existing Lender shall be under any obligation to increase its
     Commitment and any such decision whether to increase its Commitment shall
     be in such Lender's sole and absolute discretion;

          (iv) (A) any new Lender shall join this Agreement by executing such
     joinder documents required by the Administrative Agent and/or (B) any
     existing Lender electing to increase its Commitment shall have executed a
     commitment agreement satisfactory to the Administrative Agent; and

          (v) as a condition precedent to such increase, the Borrower shall
     deliver to the Administrative Agent a certificate of each Loan Party dated
     as of the date of such increase (in sufficient copies for each Lender)
     signed by a Responsible Officer of such Loan Party (A) certifying and
     attaching the resolutions adopted by such Loan Party approving or
     consenting to such increase, and (B) in the case of the Borrower,
     certifying that, before and after giving effect to such increase, (1) the
     representations and warranties contained in Article VI and the other Loan
     Documents are true and correct in all material respects on and as of the
     date of such increase, except to the extent that such representations and
     warranties specifically refer to an earlier date, in which case they are
     true and correct in all material respects as of such earlier date, and
     except that for purposes of this Section 2.02(f), the representations and
     warranties contained in subsections (a) and (b) of Section 6.05 shall be
     deemed to refer to the most recent statements furnished pursuant to clauses
     (a) and (b), respectively, of Section 7.01, and (2) no Default or Event of
     Default exists.

     The Borrower shall prepay any Loans owing by it and outstanding on the date
of any such increase (and pay any additional amounts required pursuant to
Section 3.06) to the extent necessary to keep the outstanding Loans ratable with
any revised Commitments arising from any nonratable increase in the Commitments
under this Section. In connection with any such increase in the Aggregate
Revolving

                                       30

<PAGE>

Commitments, Schedule 2.01 shall be revised by the Administrative Agent to
reflect the new Commitments and distributed to the Lenders.

2.03 Letters of Credit.

     (a) The Letter of Credit Commitment.

          (i) Subject to the terms and conditions set forth herein, (A) the L/C
     Issuer agrees, in reliance upon the agreements of the other Lenders with a
     Revolving Commitment set forth in this Section 2.03, (1) from time to time
     on any Business Day during the period from the Closing Date until the
     Letter of Credit Expiration Date, to issue Letters of Credit in Dollars for
     the account of the Borrower or any of its Subsidiaries, and to amend or
     renew Letters of Credit previously issued by it, in accordance with
     subsection (b) below, and (2) to honor drafts under the Letters of Credit;
     and (B) the Lenders with a Revolving Commitment severally agree to
     participate in Letters of Credit issued for the account of the Borrower;
     provided that the L/C Issuer shall not be obligated to make any L/C Credit
     Extension with respect to any Letter of Credit, and no Lender with a
     Revolving Commitment shall be obligated to participate in any Letter of
     Credit if as of the date of such L/C Credit Extension, (x) the Total
     Revolving Outstandings would exceed the Aggregate Revolving Commitments,
     (y) the aggregate Outstanding Amount of the Revolving Loans of any Lender,
     plus such Lender's Pro Rata Share of the Outstanding Amount of all L/C
     Obligations, plus such Lender's Pro Rata Share of the Outstanding Amount of
     all Swing Line Loans would exceed such Lender's Revolving Commitment or (z)
     the Outstanding Amount of the L/C Obligations would exceed the Letter of
     Credit Sublimit. Each request by the Borrower for the issuance or amendment
     of a Letter of Credit shall be deemed to be a representation by the
     Borrower that the L/C Credit Extension so requested complies with the
     conditions set forth in the proviso to the preceding sentence. Within the
     foregoing limits, and subject to the terms and conditions hereof, the
     Borrower's ability to obtain Letters of Credit shall be fully revolving,
     and accordingly the Borrower may, during the foregoing period, obtain
     Letters of Credit to replace Letters of Credit that have expired or that
     have been drawn upon and reimbursed. Furthermore, each Lender with a
     Revolving Commitment acknowledges and confirms that it has a participation
     interest in the liability of the L/C Issuer under each Existing Letter of
     Credit in a percentage equal to its Pro Rata Share of Revolving Loans. The
     Borrower's reimbursement obligations in respect of each Existing Letter of
     Credit, and each Lender's obligations in connection therewith, shall be
     governed by the terms of this Agreement.

          (ii) The L/C Issuer shall be under no obligation to issue any Letter
     of Credit if:

               (A) any order, judgment or decree of any Governmental Authority
          or arbitrator shall by its terms purport to enjoin or restrain the L/C
          Issuer from issuing such Letter of Credit, or any Law applicable to
          the L/C Issuer or any request or directive (whether or not having the
          force of law) from any Governmental Authority with jurisdiction over
          the L/C Issuer shall prohibit, or request that the L/C Issuer refrain
          from, the issuance of letters of credit generally or such Letter of
          Credit in particular or shall impose upon the L/C Issuer with respect
          to such Letter of Credit any restriction, reserve or capital
          requirement (for which the L/C Issuer is not otherwise compensated
          hereunder) not in effect on the Closing Date, or shall impose upon the
          L/C Issuer any unreimbursed loss, cost or expense which was not
          applicable on the Closing Date and which the L/C Issuer in good faith
          deems material to it;

                                       31

<PAGE>

               (B) subject to Section 2.03(b)(iii), the expiry date of such
          requested Letter of Credit would occur more than twelve months after
          the date of issuance or last extension, unless the Required Lenders
          have approved such expiry date; or

               (C) the expiry date of such requested Letter of Credit would
          occur after the Letter of Credit Expiration Date, unless all the
          Lenders have approved such expiry date.

               (D) the issuance of such Letter of Credit would violate one or
          more policies of the L/C Issuer;

               (E) such Letter of Credit is in an initial amount less than
          $100,000, in the case of a commercial Letter of Credit, or $500,000,
          in the case of a standby Letter of Credit;

               (F) such Letter of Credit is to be denominated in a currency
          other than Dollars; or

               (G) a default of any Lender's obligations to fund under Section
          2.03(c) exists or any Lender is at such time a Defaulting Lender
          hereunder, unless the L/C Issuer has entered into satisfactory
          arrangements with the Borrower or such Lender to eliminate the L/C
          Issuer's risk with respect to such Lender.

          (iii) The L/C Issuer shall be under no obligation to amend any Letter
     of Credit if (A) the L/C Issuer would have no obligation at such time to
     issue such Letter of Credit in its amended form under the terms hereof, or
     (B) the beneficiary of such Letter of Credit does not accept the proposed
     amendment to such Letter of Credit.

          (iv) The L/C Issuer shall be under no obligation to issue or amend any
     Letter of Credit if the L/C Issuer has received written notice from any
     Lender, the Administrative Agent or any Loan Party, on or prior to the
     Business Day prior to the requested date of issuance or amendment of such
     Letter of Credit, that one or more applicable conditions contained in
     Article V shall not then be satisfied.

          (v) The L/C Issuer shall act on behalf of the Lenders with respect to
     any Letters of Credit issued by it and the documents associated therewith,
     and the L/C Issuer shall have all of the benefits and immunities (A)
     provided to the Administrative Agent in Article X with respect to any acts
     taken or omissions suffered by the L/C Issuer in connection with Letters of
     Credit issued by it or proposed to be issued by it and Issuer Documents
     pertaining to such Letters of Credit as fully as if the term
     "Administrative Agent" as used in Article X included the L/C Issuer with
     respect to such acts or omissions, and (B) as additionally provided herein
     with respect to the L/C Issuer.

     (b) Procedures for Issuance and Amendment of Letters of Credit;
Auto-Extension Letters of Credit.

          (i) Each Letter of Credit shall be issued or amended, as the case may
     be, upon the request of the Borrower delivered to the L/C Issuer (with a
     copy to the Administrative Agent) in the form of a Letter of Credit
     Application, appropriately completed and signed by a Responsible Officer of
     the Borrower. Such Letter of Credit Application must be received by the L/C
     Issuer and the Administrative Agent not later than 11:00 a.m. at least five
     (5) Business Days (or such later date and time as the Administrative Agent
     and the L/C Issuer may agree in a particular

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<PAGE>

     instance in their sole discretion) prior to the proposed issuance date or
     date of amendment, as the case may be. In the case of a request for an
     initial issuance of a Letter of Credit, such Letter of Credit Application
     shall specify in form and detail satisfactory to the L/C Issuer: (A) the
     proposed issuance date of the requested Letter of Credit (which shall be a
     Business Day); (B) the amount thereof; (C) the expiry date thereof; (D) the
     name and address of the beneficiary thereof; (E) the documents to be
     presented by such beneficiary in case of any drawing thereunder; (F) the
     full text of any certificate to be presented by such beneficiary in case of
     any drawing thereunder; and (G) such other matters as the L/C Issuer may
     require. In the case of a request for an amendment of any outstanding
     Letter of Credit, such Letter of Credit Application shall specify in form
     and detail satisfactory to the L/C Issuer (A) the Letter of Credit to be
     amended; (B) the proposed date of amendment thereof (which shall be a
     Business Day); (C) the nature of the proposed amendment; and (D) such other
     matters as the L/C Issuer may require. Additionally, the Borrower shall
     furnish to the L/C Issuer and the Administrative Agent such other documents
     and information pertaining to such requested Letter of Credit issuance or
     amendment, including any Issuer Documents, as the L/C Issuer or the
     Administrative Agent may reasonably require.

          (ii) Promptly after receipt of any Letter of Credit Application, the
     L/C Issuer will confirm with the Administrative Agent (by telephone or in
     writing) that the Administrative Agent has received a copy of such Letter
     of Credit Application from the Borrower and, if not, the L/C Issuer will
     provide the Administrative Agent with a copy thereof. Unless the L/C Issuer
     has received written notice from any Lender, the Administrative Agent or
     any Loan Party, at least one Business Day prior to the requested date of
     issuance or amendment of the applicable Letter of Credit, that one or more
     applicable conditions contained in Article V shall not then be satisfied,
     then, subject to the terms and conditions hereof, the L/C Issuer shall, on
     the requested date, issue a Letter of Credit for the account of the
     Borrower or enter into the applicable amendment, as the case may be, in
     each case in accordance with the L/C Issuer's usual and customary business
     practices. Immediately upon the issuance of each Letter of Credit, each
     Lender with a Revolving Commitment shall be deemed to, and hereby
     irrevocably and unconditionally agrees to, purchase from the L/C Issuer a
     risk participation in such Letter of Credit in an amount equal to the
     product of such Lender's Pro Rata Share times the amount of such Letter of
     Credit.

          (iii) If the Borrower so requests in any applicable Letter of Credit
     Application, the L/C Issuer may, in its sole and absolute discretion, agree
     to issue a Letter of Credit that has automatic extension provisions (each,
     an "Auto-Extension Letter of Credit"); provided that any such
     Auto-Extension Letter of Credit must permit the L/C Issuer to prevent any
     such extension at least once in each twelve-month period (commencing with
     the date of issuance of such Letter of Credit) by giving prior notice to
     the beneficiary thereof not later than a day (the "Non-Extension Notice
     Date") in each such twelve-month period to be agreed upon at the time such
     Letter of Credit is issued. Unless otherwise directed by the L/C Issuer,
     the Borrower shall not be required to make a specific request to the L/C
     Issuer for any such extension. Once an Auto-Extension Letter of Credit has
     been issued, the Lenders shall be deemed to have authorized (but may not
     require) the L/C Issuer to permit the extension of such Letter of Credit at
     any time to an expiry date not later than the Letter of Credit Expiration
     Date; provided, however, that the L/C Issuer shall not permit any such
     extension if (A) the L/C Issuer has determined that it would not be
     permitted or would have no obligation at such time to issue such Letter of
     Credit in its renewed form under the terms hereof (by reason of the
     provisions of Sections 2.03(a)(ii) or (iii) or otherwise), or (B) it has
     received notice (which may be by telephone or in writing) on or before the
     day that is five Business Days before the Non-Extension Notice Date (1)
     from the Administrative Agent that the Required Lenders have elected not to
     permit such extension or (2) from the Administrative Agent, any Lender or
     the Borrower that one or more of the applicable

                                       33

<PAGE>

     conditions specified in Section 5.02 is not then satisfied and in each such
     case directing the L/C Issuer not to permit such extension.

          (iv) Promptly after its delivery of any Letter of Credit or any
     amendment to a Letter of Credit to an advising bank with respect thereto or
     to the beneficiary thereof, the L/C Issuer will also deliver to the
     Borrower and the Administrative Agent a true and complete copy of such
     Letter of Credit or amendment.

     (c) Drawings and Reimbursements; Funding of Participations.

          (i) Upon receipt from the beneficiary of any Letter of Credit of any
     notice of drawing under such Letter of Credit, the L/C Issuer shall notify
     the Borrower and the Administrative Agent thereof. Not later than 11:00
     a.m. on the date of any payment by the L/C Issuer under a Letter of Credit
     (or, if such payment by the L/C Issuer is made after 11:00 a.m., not later
     than 11:00 a.m. the next succeeding Business Day) (each such date, an
     "Honor Date"), the Borrower shall reimburse the L/C Issuer through the
     Administrative Agent in an amount equal to the amount of such drawing. If
     the Borrower fails to so reimburse the L/C Issuer by such time, the
     Administrative Agent shall promptly notify each Lender with a Revolving
     Commitment of the Honor Date, the amount of the unreimbursed drawing (the
     "Unreimbursed Amount"), and the amount of such Lender's Pro Rata Share
     thereof. In such event, the Borrower shall be deemed to have requested a
     Borrowing of Base Rate Loans to be disbursed on the Honor Date in an amount
     equal to the Unreimbursed Amount, without regard to the minimum and
     multiples specified in Section 2.02 for the principal amount of Base Rate
     Loans, but subject to the amount of the unutilized portion of the Aggregate
     Revolving Commitments and the conditions set forth in Section 5.02 (other
     than the delivery of a Loan Notice). Any notice given by the L/C Issuer or
     the Administrative Agent pursuant to this Section 2.03(c)(i) may be given
     by telephone if immediately confirmed in writing; provided that the lack of
     such an immediate confirmation shall not affect the conclusiveness or
     binding effect of such notice.

          (ii) Each Lender with a Revolving Commitment (including the Lender
     acting as L/C Issuer) shall upon any notice pursuant to Section 2.03(c)(i)
     make funds available to the Administrative Agent for the account of the L/C
     Issuer at the Administrative Agent's Office in an amount equal to its Pro
     Rata Share of the Unreimbursed Amount not later than 1:00 p.m. on the
     Business Day specified in such notice by the Administrative Agent,
     whereupon, subject to the provisions of Section 2.03(c)(iii), each Lender
     that so makes funds available shall be deemed to have made a Base Rate Loan
     to the Borrower in such amount. The Administrative Agent shall remit the
     funds so received to the L/C Issuer.

          (iii) With respect to any Unreimbursed Amount that is not fully
     refinanced by a Borrowing of Base Rate Loans because the conditions set
     forth in Section 5.02 cannot be satisfied or for any other reason, the
     Borrower shall be deemed to have incurred from the L/C Issuer an L/C
     Borrowing in the amount of the Unreimbursed Amount that is not so
     refinanced, which L/C Borrowing shall be due and payable on demand
     (together with interest) and shall bear interest at the Default Rate. In
     such event, each Lender's payment to the Administrative Agent for the
     account of the L/C Issuer pursuant to Section 2.03(c)(ii) shall be deemed
     payment in respect of its participation in such L/C Borrowing and shall
     constitute an L/C Advance from such Lender in satisfaction of its
     participation obligation under this Section 2.03.

          (iv) Until each Lender funds its Revolving Loan or L/C Advance
     pursuant to this Section 2.03(c) to reimburse the L/C Issuer for any amount
     drawn under any Letter of Credit,

                                       34

<PAGE>

     interest in respect of such Lender's Pro Rata Share of such amount shall be
     solely for the account of the L/C Issuer.

          (v) Each Lender's obligation to make Revolving Loans or L/C Advances
     to reimburse the L/C Issuer for amounts drawn under Letters of Credit, as
     contemplated by this Section 2.03(c), shall be absolute and unconditional
     and shall not be affected by any circumstance, including (A) any set-off,
     counterclaim, recoupment, defense or other right which such Lender may have
     against the L/C Issuer, the Borrower or any other Person for any reason
     whatsoever; (B) the occurrence or continuance of a Default, or (C) any
     other occurrence, event or condition, whether or not similar to any of the
     foregoing; provided, however, that each Lender's obligation to make
     Revolving Loans pursuant to this Section 2.03(c) is subject to the
     conditions set forth in Section 5.02 (other than delivery by the Borrower
     of a Loan Notice). No such making of an L/C Advance shall relieve or
     otherwise impair the obligation of the Borrower to reimburse the L/C Issuer
     for the amount of any payment made by the L/C Issuer under any Letter of
     Credit, together with interest as provided herein.

          (vi) If any Lender with a Revolving Commitment fails to make available
     to the Administrative Agent for the account of the L/C Issuer any amount
     required to be paid by such Lender pursuant to the foregoing provisions of
     this Section 2.03(c) by the time specified in Section 2.03(c)(ii), the L/C
     Issuer shall be entitled to recover from such Lender (acting through the
     Administrative Agent), on demand, such amount with interest thereon for the
     period from the date such payment is required to the date on which such
     payment is immediately available to the L/C Issuer at a rate per annum
     equal to the greater of the Federal Funds Rate and a rate determined by the
     L/C Issuer in accordance with banking industry rules on interbank
     compensation. A certificate of the L/C Issuer submitted to any Lender
     (through the Administrative Agent) with respect to any amounts owing under
     this clause (vi) shall be conclusive absent manifest error.

     (d) Repayment of Participations.

          (i) At any time after the L/C Issuer has made a payment under any
     Letter of Credit and has received from any Lender such Lender's L/C Advance
     in respect of such payment in accordance with Section 2.03(c), if the
     Administrative Agent receives for the account of the L/C Issuer any payment
     in respect of the related Unreimbursed Amount or interest thereon (whether
     directly from the Borrower or otherwise, including proceeds of Cash
     Collateral applied thereto by the Administrative Agent), the Administrative
     Agent will distribute to such Lender its Pro Rata Share thereof
     (appropriately adjusted, in the case of interest payments, to reflect the
     period of time during which such Lender's L/C Advance was outstanding) in
     the same funds as those received by the Administrative Agent.

          (ii) If any payment received by the Administrative Agent for the
     account of the L/C Issuer pursuant to Section 2.03(c)(i) is required to be
     returned under any of the circumstances described in Section 11.05
     (including pursuant to any settlement entered into by the L/C Issuer in its
     discretion), each Lender with a Revolving Commitment shall pay to the
     Administrative Agent for the account of the L/C Issuer its Pro Rata Share
     thereof on demand of the Administrative Agent, plus interest thereon from
     the date of such demand to the date such amount is returned by such Lender,
     at a rate per annum equal to the Federal Funds Rate from time to time in
     effect. The obligations of the Lenders under this clause shall survive the
     payment in full of the Obligations and the termination of this Agreement.

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<PAGE>

     (e) Obligations Absolute. The obligation of the Borrower to reimburse the
L/C Issuer for each drawing under each Letter of Credit and to repay each L/C
Borrowing shall be absolute, unconditional and irrevocable, and shall be paid
strictly in accordance with the terms of this Agreement under all circumstances,
including the following:

          (i) any lack of validity or enforceability of such Letter of Credit,
     this Agreement, any other Loan Document or any other agreement or
     instrument relating thereto;

          (ii) the existence of any claim, counterclaim, set-off, defense or
     other right that the Borrower may have at any time against any beneficiary
     or any transferee of such Letter of Credit (or any Person for whom any such
     beneficiary or any such transferee may be acting), the L/C Issuer or any
     other Person, whether in connection with this Agreement, the transactions
     contemplated hereby or by such Letter of Credit or any agreement or
     instrument relating thereto, or any unrelated transaction;

          (iii) any draft, demand, certificate or other document presented under
     such Letter of Credit proving to be forged, fraudulent, invalid or
     insufficient in any respect or any statement therein being untrue or
     inaccurate in any respect; or any loss or delay in the transmission or
     otherwise of any document required in order to make a drawing under such
     Letter of Credit;

          (iv) any payment by the L/C Issuer under such Letter of Credit against
     presentation of a draft or certificate that does not strictly comply with
     the terms of such Letter of Credit; or any payment made by the L/C Issuer
     under such Letter of Credit to any Person purporting to be a trustee in
     bankruptcy, debtor-in-possession, assignee for the benefit of creditors,
     liquidator, receiver or other representative of or successor to any
     beneficiary or any transferee of such Letter of Credit, including any
     arising in connection with any proceeding under any Debtor Relief Law; or

          (v) any other circumstance or happening whatsoever, whether or not
     similar to any of the foregoing, including any other circumstance that
     might otherwise constitute a defense available to, or a discharge of, the
     Borrower.

     The Borrower shall promptly examine a copy of each Letter of Credit and
each amendment thereto that is delivered to it and, in the event of any claim of
noncompliance with the Borrower's instructions or other irregularity, the
Borrower will immediately notify the L/C Issuer. The Borrower shall be
conclusively deemed to have waived any such claim against the L/C Issuer and its
correspondents unless such notice is given as aforesaid.

     (f) Role of L/C Issuer. Each Lender and the Borrower agree that, in paying
any drawing under a Letter of Credit, the L/C Issuer shall not have any
responsibility to obtain any document (other than any sight draft, certificates
and documents expressly required by the Letter of Credit) or to ascertain or
inquire as to the validity or accuracy of any such document or the authority of
the Person executing or delivering any such document. None of the L/C Issuer,
the Administrative Agent, any of their respective Related Parties nor any of the
respective correspondents, participants or assignees of the L/C Issuer shall be
liable to any Lender for (i) any action taken or omitted in connection herewith
at the request or with the approval of the Lenders or the Required Lenders, as
applicable; (ii) any action taken or omitted in the absence of gross negligence
or willful misconduct; or (iii) the due execution, effectiveness, validity or
enforceability of any document or instrument related to any Letter of Credit or
Issuer Document. The Borrower hereby assumes all risks of the acts or omissions
of any beneficiary or transferee with respect to its use of any Letter of
Credit; provided, however, that this assumption is not intended to, and shall
not, preclude the Borrower's pursuing such rights and remedies as it may have
against the beneficiary or

                                       36

<PAGE>

transferee at law or under any other agreement. None of the L/C Issuer, the
Administrative Agent, any of their respective Related Parties, nor any of the
respective correspondents, participants or assignees of the L/C Issuer, shall be
liable or responsible for any of the matters described in clauses (i) through
(v) of Section 2.03(e); provided, however, that anything in such clauses to the
contrary notwithstanding, the Borrower may have a claim against the L/C Issuer,
and the L/C Issuer may be liable to the Borrower, to the extent, but only to the
extent, of any direct, as opposed to consequential or exemplary, damages
suffered by the Borrower which the Borrower proves were caused by the L/C
Issuer's willful misconduct, gross negligence, breach in bad faith of its
obligations hereunder or the L/C Issuer's willful failure to pay under any
Letter of Credit after the presentation to it by the beneficiary of a sight
draft and certificate(s) strictly complying with the terms and conditions of a
Letter of Credit. In furtherance and not in limitation of the foregoing, the L/C
Issuer may accept documents that appear on their face to be in order, without
responsibility for further investigation, regardless of any notice or
information to the contrary, and the L/C Issuer shall not be responsible for the
validity or sufficiency of any instrument transferring or assigning or
purporting to transfer or assign a Letter of Credit or the rights or benefits
thereunder or proceeds thereof, in whole or in part, which may prove to be
invalid or ineffective for any reason.

     (g) Cash Collateral. Upon the request of the Administrative Agent, (i) if
the L/C Issuer has honored any full or partial drawing request under any Letter
of Credit and such drawing has resulted in an L/C Borrowing, or (ii) if, as of
the Letter of Credit Expiration Date, any L/C Obligation for any reason remains
outstanding, the Borrower shall, in each such case, immediately Cash
Collateralize the then Outstanding Amount of all L/C Obligations (in an amount
equal to such Outstanding Amount determined as of the date of such L/C Borrowing
or the Letter of Credit Expiration Date, as the case may be). For purposes
hereof, "Cash Collateralize" means to pledge and deposit with or deliver to the
Administrative Agent, for the benefit of the L/C Issuer and the Lenders, as
collateral for the L/C Obligations, cash or deposit account balances pursuant to
documentation in form and substance reasonably satisfactory to the
Administrative Agent and the L/C Issuer (which documents are hereby consented to
by the Lenders). Derivatives of such term have corresponding meanings. The
Borrower hereby grants to the Administrative Agent, for the benefit of the L/C
Issuer and the Lenders, a security interest in all such cash, deposit accounts
and all balances therein and all proceeds of the foregoing. Cash collateral
shall be maintained in blocked, non-interest bearing deposit accounts at Bank of
America.

     (h) Applicability of ISP98 and UCP. Unless otherwise expressly agreed by
the L/C Issuer and the Borrower when a Letter of Credit is issued (including any
such agreement applicable to an Existing Letter of Credit), (i) the rules of the
"International Standby Practices 1998" published by the Institute of
International Banking Law & Practice (or such later version thereof as may be in
effect at the time of issuance) shall apply to each standby Letter of Credit,
and (ii) the rules of the Uniform Customs and Practice for Documentary Credits,
as most recently published by the International Chamber of Commerce (the "ICC")
at the time of issuance shall apply to each commercial Letter of Credit.

     (i) Letter of Credit Fees. The Borrower shall pay to the Administrative
Agent for the account of each Lender in accordance with its Pro Rata Share (i) a
Letter of Credit fee for each commercial Letter of Credit equal to the
Applicable Rate times the daily maximum amount available to be drawn under such
Letter of Credit (whether or not such maximum amount is then in effect under
such Letter of Credit) and (ii) a Letter of Credit fee for each standby Letter
of Credit equal to the Applicable Rate times the daily maximum amount available
to be drawn under such Letter of Credit (whether or not such maximum amount is
then in effect under such Letter of Credit). Such letter of credit fees shall be
computed on a quarterly basis in arrears. Such letter of credit fees shall be
due and payable on the first Business Day after the end of each March, June,
September and December, commencing with the first such date to occur after the
issuance of such Letter of Credit, on the Letter of Credit Expiration Date and
thereafter on demand. If there is any change in the Applicable Rate during any
quarter, the daily maximum amount of each Letter of Credit shall be computed and
multiplied by the Applicable Rate

                                       37

<PAGE>

separately for each period during such quarter that such Applicable Rate was in
effect. Notwithstanding anything to the contrary contained herein, upon the
request of the Required Lenders, while any Event of Default exists, all Letter
of Credit Fees shall accrue at the Default Rate.

     (j) Fronting Fee and Documentary and Processing Charges Payable to L/C
Issuer. The Borrower shall pay directly to the L/C Issuer for its own account a
fronting fee (i) with respect to each commercial Letter of Credit, at the rate
specified in the Fee Letter, computed on the amount of such Letter of Credit,
and payable upon the issuance thereof, (ii) with respect to any amendment of a
commercial Letter of Credit increasing the amount of such Letter of Credit, at a
rate separately agreed between the Borrower and the L/C Issuer, computed on the
amount of such increase, and payable upon the effectiveness of such amendment,
and (iii) with respect to each standby Letter of Credit, at the rate specified
in the Fee Letter computed on the daily maximum amount available to be drawn
thereunder (whether or not such maximum amount is then in effect under such
Letter of Credit), due and payable quarterly in arrears on the Business Day
immediately following the last Business Day of each March, June, September and
December, commencing with the first such date to occur after the issuance of
such Letter of Credit, on the Letter of Credit Expiration Date and thereafter on
demand. For purposes of computing the daily amount available to be drawn under
any Letter of Credit, the amount of such Letter of Credit shall be determined in
accordance with Section 1.07. In addition, the Borrower shall pay directly to
the L/C Issuer for its own account the customary issuance, presentation,
amendment and other processing fees, and other standard costs and charges, of
the L/C Issuer relating to letters of credit as from time to time in effect.
Such customary fees and standard costs and charges are due and payable on demand
and are nonrefundable.

     (k) Conflict with Issuer Documents. In the event of any conflict between
the terms hereof and the terms of any Issuer Document, the terms hereof shall
control.

2.04 Swing Line Loans.

     (a) Swing Line Facility. Subject to the terms and conditions set forth
herein, the Swing Line Lender agrees, in reliance upon the agreements of the
other Lenders set forth in this Section 2.04, to make loans (each such loan, a
"Swing Line Loan") to the Borrower in Dollars from time to time on any Business
Day during the Availability Period in an aggregate amount not to exceed at any
time outstanding the amount of the Swing Line Sublimit, notwithstanding the fact
that such Swing Line Loans, when aggregated with the Pro Rata Share of the
Outstanding Amount of Revolving Loans and L/C Obligations of the Swing Line
Lender in its capacity as a Lender of Revolving Loans, may exceed the amount of
such Lender's Revolving Commitment; provided, however, that after giving effect
to any Swing Line Loan, (i) the Total Revolving Outstandings shall not exceed
the Aggregate Revolving Commitments, and (ii) the aggregate Outstanding Amount
of the Revolving Loans of any Lender, plus such Lender's Pro Rata Share of the
Outstanding Amount of all L/C Obligations, plus such Lender's Pro Rata Share of
the Outstanding Amount of all Swing Line Loans shall not exceed such Lender's
Revolving Commitment, and provided, further, that the Borrower shall not use the
proceeds of any Swing Line Loan to refinance any outstanding Swing Line Loan.
Within the foregoing limits, and subject to the other terms and conditions
hereof, the Borrower may borrow under this Section 2.04, prepay under Section
2.05, and reborrow under this Section 2.04. Each Swing Line Loan shall be a Base
Rate Loan. Immediately upon the making of a Swing Line Loan, each Lender with a
Revolving Commitment shall be deemed to, and hereby irrevocably and
unconditionally agrees to, purchase from the Swing Line Lender a risk
participation in such Swing Line Loan in an amount equal to the product of such
Lender's Pro Rata Share times the amount of such Swing Line Loan.

     (b) Borrowing Procedures. Each Borrowing of Swing Line Loans shall be made
upon the Borrower's irrevocable notice to the Swing Line Lender and the
Administrative Agent, which may be

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<PAGE>

given by telephone. Each such notice must be received by the Swing Line Lender
and the Administrative Agent not later than 1:00 p.m. on the requested borrowing
date, and shall specify (i) the amount to be borrowed, which shall be a minimum
principal amount of $250,000 and integral multiples of $100,000 in excess
thereof, and (ii) the requested borrowing date, which shall be a Business Day.
Each such telephonic notice must be confirmed promptly by delivery to the Swing
Line Lender and the Administrative Agent of a written Swing Line Loan Notice,
appropriately completed and signed by a Responsible Officer of the Borrower.
Promptly after receipt by the Swing Line Lender of any telephonic Swing Line
Loan Notice, the Swing Line Lender will confirm with the Administrative Agent
(by telephone or in writing) that the Administrative Agent has also received
such Swing Line Loan Notice and, if not, the Swing Line Lender will notify the
Administrative Agent (by telephone or in writing) of the contents thereof.
Unless the Swing Line Lender has received notice (by telephone or in writing)
from the Administrative Agent (including at the request of any Lender) prior to
2:00 p.m. on the date of the proposed Borrowing of Swing Line Loans (A)
directing the Swing Line Lender not to make such Swing Line Loan as a result of
the limitations set forth in the proviso to the first sentence of Section
2.04(a), or (B) that one or more of the applicable conditions specified in
Article V is not then satisfied, then, subject to the terms and conditions
hereof, the Swing Line Lender will, not later than 3:00 p.m. on the borrowing
date specified in such Swing Line Loan Notice, make the amount of its Swing Line
Loan available to the Borrower.

     (c) Refinancing of Swing Line Loans.

          (i) The Swing Line Lender at any time in its sole and absolute
     discretion may request, on behalf of the Borrower (which hereby irrevocably
     requests and authorizes the Swing Line Lender to so request on its behalf),
     that each Lender with a Revolving Commitment make a Base Rate Loan in an
     amount equal to such Lender's Pro Rata Share of the amount of Swing Line
     Loans then outstanding. Such request shall be made in writing (which
     written request shall be deemed to be a Loan Notice for purposes hereof)
     and in accordance with the requirements of Section 2.02, without regard to
     the minimum and multiples specified therein for the principal amount of
     Base Rate Loans, but subject to the unutilized portion of the Aggregate
     Revolving Commitments and the conditions set forth in Section 5.02. The
     Swing Line Lender shall furnish the Borrower with a copy of the applicable
     Loan Notice promptly after delivering such notice to the Administrative
     Agent. Each Lender with a Revolving Commitment shall make an amount equal
     to its Pro Rata Share of the amount specified in such Loan Notice available
     to the Administrative Agent in immediately available funds for the account
     of the Swing Line Lender at the Administrative Agent's Office not later
     than 1:00 p.m. on the day specified in such Loan Notice, whereupon, subject
     to Section 2.04(c)(ii), each Lender that so makes funds available shall be
     deemed to have made a Base Rate Loan to the Borrower in such amount. The
     Administrative Agent shall remit the funds so received to the Swing Line
     Lender.

          (ii) If for any reason any Swing Line Loan cannot be refinanced by
     such a Borrowing of Revolving Loans in accordance with Section 2.04(c)(i),
     the request for Base Rate Loans submitted by the Swing Line Lender as set
     forth herein shall be deemed to be a request by the Swing Line Lender that
     each of the Lenders with a Revolving Commitment fund its risk participation
     in the relevant Swing Line Loan and each Lender's payment to the
     Administrative Agent for the account of the Swing Line Lender pursuant to
     Section 2.04(c)(i) shall be deemed payment in respect of such
     participation.

          (iii) If any Lender with a Revolving Commitment fails to make
     available to the Administrative Agent for the account of the Swing Line
     Lender any amount required to be paid by such Lender pursuant to the
     foregoing provisions of this Section 2.04(c) by the time specified in
     Section 2.04(c)(i), the Swing Line Lender shall be entitled to recover from
     such Lender (acting

                                       39

<PAGE>

     through the Administrative Agent), on demand, such amount with interest
     thereon for the period from the date such payment is required to the date
     on which such payment is immediately available to the Swing Line Lender at
     a rate per annum equal to the greater of the Federal Funds Rate and a rate
     determined by the Swing Line Lender in accordance with banking industry
     rules on interbank compensation. A certificate of the Swing Line Lender
     submitted to any Lender (through the Administrative Agent) with respect to
     any amounts owing under this clause (iii) shall be conclusive absent
     manifest error.

          (iv) Each Lender's obligation to make Revolving Loans or to purchase
     and fund risk participations in Swing Line Loans pursuant to this Section
     2.04(c) shall be absolute and unconditional and shall not be affected by
     any circumstance, including (A) any set-off, counterclaim, recoupment,
     defense or other right that such Lender may have against the Swing Line
     Lender, the Borrower or any other Person for any reason whatsoever, (B) the
     occurrence or continuance of a Default, or (C) any other occurrence, event
     or condition, whether or not similar to any of the foregoing; provided,
     however, that each Lender's obligation to make Revolving Loans pursuant to
     this Section 2.04(c) is subject to the conditions set forth in Section
     5.02. No such purchase or funding of risk participations shall relieve or
     otherwise impair the obligation of the Borrower to repay Swing Line Loans,
     together with interest as provided herein.

     (d) Repayment of Participations.

          (i) At any time after any Lender has purchased and funded a risk
     participation in a Swing Line Loan, if the Swing Line Lender receives any
     payment on account of such Swing Line Loan, the Swing Line Lender will
     distribute to such Lender its Pro Rata Share of such payment (appropriately
     adjusted, in the case of interest payments, to reflect the period of time
     during which such Lender's risk participation was funded) in the same funds
     as those received by the Swing Line Lender.

          (ii) If any payment received by the Swing Line Lender in respect of
     principal or interest on any Swing Line Loan is required to be returned by
     the Swing Line Lender under any of the circumstances described in Section
     11.05 (including pursuant to any settlement entered into by the Swing Line
     Lender in its discretion), each Lender with a Revolving Commitment shall
     pay to the Swing Line Lender its Pro Rata Share thereof on demand of the
     Administrative Agent, plus interest thereon from the date of such demand to
     the date such amount is returned, at a rate per annum equal to the Federal
     Funds Rate. The Administrative Agent will make such demand upon the request
     of the Swing Line Lender. The obligations of the Lenders under this clause
     shall survive the payment in full of the Obligations and the termination of
     this Agreement.

     (e) Interest for Account of Swing Line Lender. The Swing Line Lender shall
be responsible for invoicing the Borrower for interest on the Swing Line Loans.
Until each Lender funds its Revolving Loans that are Base Rate Loans or risk
participation pursuant to this Section 2.04 to refinance such Lender's Pro Rata
Share of any Swing Line Loan, interest in respect of such Pro Rata Share shall
be solely for the account of the Swing Line Lender.

     (f) Payments Directly to Swing Line Lender. The Borrower shall make all
payments of principal and interest in respect of the Swing Line Loans directly
to the Swing Line Lender.

2.05 Prepayments.

     (a) Voluntary Prepayments of Loans.

                                       40

<PAGE>

          (i) Revolving Loans and Term Loans. The Borrower may, upon notice from
     the Borrower to the Administrative Agent, at any time or from time to time
     voluntarily prepay Revolving Loans and the Term Loan in whole or in part
     without premium or penalty; provided that (A) such notice must be received
     by the Administrative Agent not later than 11:00 a.m. on the date of
     prepayment of any such Loan; (B) any such prepayment of Eurodollar Rate
     Loans shall be in a principal amount of $1,000,000 or a whole multiple of
     $1,000,000 in excess thereof (or, if less, the entire principal amount
     thereof then outstanding); (C) any prepayment of Base Rate Loans shall be
     in a principal amount of $250,000 or a whole multiple of $50,000 in excess
     thereof (or, if less, the entire principal amount thereof then outstanding)
     and (D) up to 50% of any prepayment of the Term Loan shall be applied to
     remaining principal amortization payments due within the next twelve months
     in direct order of maturity, and the remainder of such prepayment of the
     Term Loan shall be applied to remaining principal amortization payments in
     either the inverse order of maturity of such principal amortization
     payments or ratably to such principal amortization payments, as the
     Borrower may direct in writing to the Administrative Agent. Each such
     notice shall specify the date and amount of such prepayment and the Type(s)
     of Loans to be prepaid. The Administrative Agent will promptly notify each
     Lender of its receipt of each such notice, and of the amount of such
     Lender's Pro Rata Share of such prepayment. If such notice is given by the
     Borrower, the Borrower shall make such prepayment and the payment amount
     specified in such notice shall be due and payable on the date specified
     therein. Any prepayment of a Eurodollar Rate Loan shall be accompanied by
     all accrued interest thereon, together with any additional amounts required
     pursuant to Section 3.05. Each such prepayment shall be applied to the
     Loans of the Lenders in accordance with their respective Pro Rata Shares.

          (ii) Swing Line Loans. The Borrower may, upon notice to the Swing Line
     Lender (with a copy to the Administrative Agent), at any time or from time
     to time, voluntarily prepay Swing Line Loans in whole or in part without
     premium or penalty; provided that (i) such notice must be received by the
     Swing Line Lender and the Administrative Agent not later than 1:00 p.m. on
     the date of the prepayment, and (ii) any such prepayment shall be in a
     minimum principal amount of $250,000 or a whole multiple of $100,000 in
     excess thereof (or, if less, the entire principal thereof then
     outstanding). Each such notice shall specify the date and amount of such
     prepayment. If such notice is given by the Borrower, the Borrower shall
     make such prepayment and the payment amount specified in such notice shall
     be due and payable on the date specified therein.

     (b) Mandatory Prepayments of Loans.

          (i) Revolving Commitments. If for any reason the Total Revolving
     Outstandings at any time exceed the Aggregate Revolving Commitments then in
     effect, the Borrower shall immediately prepay Revolving Loans and/or the
     Swing Line Loans and/or Cash Collateralize the L/C Obligations in an
     aggregate amount equal to such excess; provided, however, that the Borrower
     shall not be required to Cash Collateralize the L/C Obligations pursuant to
     this Section 2.05(b)(i) unless after the prepayment in full of the
     Revolving Loans and Swing Line Loans the Total Revolving Outstandings
     exceed the Aggregate Revolving Commitments then in effect.

          (ii) Dispositions and Involuntary Dispositions. The Borrower shall
     prepay the Loans and Cash Collateralize the L/C Obligations as hereafter
     provided in an aggregate amount equal to 100% of the Net Cash Proceeds of
     all Dispositions (other than Involuntary Dispositions) to the extent that
     the Net Cash Proceeds of all such Dispositions received in any fiscal year
     exceed $10,000,000 as follows: (a) if the Consolidated Leverage Ratio
     (calculated on a Pro Forma Basis after giving effect to such Disposition)
     is greater than or equal to 4.0 to 1.0, then (1) 50% of such Net Cash
     Proceeds with respect to such Dispositions shall be applied to such
     prepayment immediately upon the

                                       41

<PAGE>

     Borrower's calculation of such Net Cash Proceeds (and in any event not
     later than 45 days of receipt of such Net Cash Proceeds) and (2) to the
     extent the remaining amount of such Net Cash Proceeds are not reinvested in
     Eligible Assets within 12 months (or, if a contractual obligation has been
     made for such reinvestment prior to the expiration of such 12-month period,
     within 24 months) of the date of such Disposition, a prepayment in the
     amount of such remaining Net Cash Proceeds shall be immediately due and
     payable upon the expiration of such period and (b) if the Consolidated
     Leverage Ratio (calculated on a Pro Forma Basis after giving effect to such
     Disposition) is less than 4.0 to 1.0, then to the extent such Net Cash
     Proceeds are not reinvested in Eligible Assets within 12 months (or, if a
     contractual obligation has been made for such reinvestment prior to the
     expiration of such 12-month period, within 24 months) of the date of such
     Disposition, a prepayment in the amount of such remaining Net Cash Proceeds
     shall be immediately due and payable upon the expiration of such period.
     The Borrower shall prepay the Loans and Cash Collateralize the L/C
     Obligations as hereafter provided in an aggregate amount equal to 100% of
     the Net Cash Proceeds of all Involuntary Dispositions to the extent that
     the Net Cash Proceeds from any such Involuntary Disposition are not
     reinvested in Eligible Assets within 12 months (or, if a contractual
     obligation has been made for such reinvestment prior to the expiration of
     such 12-month period, within 24 months) of the date of such Involuntary
     Disposition. Any prepayment pursuant to this clause (ii) shall be applied
     as set forth in clause (vi) below.

          (iii) Excess Cash Flow. Within ninety days after the end of each
     fiscal year commencing with the fiscal year ending December 31, 2006, the
     Borrower shall prepay the Loans and Cash Collateralize the L/C Obligations
     as hereafter provided in an aggregate amount equal to 75% (if the
     Consolidated Leverage Ratio as of the end of such fiscal year is equal to
     or greater than 3.75 to 1.0) or 50% (if the Consolidated Leverage Ratio as
     of the end of such fiscal year is less than 3.75 to 1.0 but equal to or
     greater than 2.75 to 1.0) of Excess Cash Flow for such fiscal year;
     provided, however, if the Consolidated Leverage Ratio as of the end of such
     fiscal year is less than 2.75 to 1.0, then the Borrower shall not be
     required to make the foregoing payment for such fiscal year. Any prepayment
     pursuant to this clause (iii) shall be applied as set forth in clause (vi)
     below).

          (iv) Debt Issuances. Immediately upon receipt by the Borrower or any
     Subsidiary of the Net Cash Proceeds of any Debt Issuance, the Borrower
     shall prepay the Loans and Cash Collateralize the L/C Obligations as
     hereafter provided in an aggregate amount equal to 100% of such Net Cash
     Proceeds (such prepayment to be applied as set forth in clause (vi) below).

          (v) Equity Issuances. Immediately upon the receipt by the Borrower or
     any Subsidiary of the Net Cash Proceeds of any Equity Issuance, the
     Borrower shall prepay the Loans and Cash Collateralize the L/C Obligations
     in an aggregate amount equal to 50% of such Net Cash Proceeds. Any such
     prepayment to be applied as set forth in clause (vi) below; provided,
     however, that if the Consolidated Senior Leverage Ratio (calculated on a
     Pro Forma Basis after giving effect to such Equity Issuance) is less than
     2.5 to 1.0, then the Borrower shall not be required to make the foregoing
     payment.

          (vi) Application of Mandatory Prepayments. All amounts required to be
     paid pursuant to this Section 2.05(b) shall be applied as follows:

               (A) with respect to all amounts prepaid pursuant to Section
          2.05(b)(i), to Revolving Loans and Swing Line Loans and (after all
          Revolving Loans and all Swing Line Loans have been repaid) to Cash
          Collateralize L/C Obligations; and

               (B) with respect to all amounts prepaid pursuant to Sections
          2.05(b)(ii), (iii), (iv) and (v), first to the Term Loans ratably to
          the remaining principal amortization

                                       42

<PAGE>

          payments thereof, then (after the Term Loans have been paid in full)
          to the Revolving Loans and Swing Line Loans (with a corresponding
          reduction in the Aggregate Revolving Commitments) and then (after all
          Revolving Loans and all Swing Line Loans have been repaid) to Cash
          Collateralize L/C Obligations (with a corresponding reduction in the
          Aggregate Revolving Commitments).

          Within the parameters of the applications set forth above, prepayments
          shall be applied first to Base Rate Loans and then to Eurodollar Rate
          Loans in direct order of Interest Period maturities. All prepayments
          under this Section 2.05(b) shall be subject to Section 3.05, but
          otherwise without premium or penalty, and shall be accompanied by
          interest on the principal amount prepaid through the date of
          prepayment.

          (vii) Eurodollar Prepayment Account. If the Borrower is required to
     make a mandatory prepayment of Eurodollar Rate Loans under this Section
     2.04(b), so long as no Event of Default exists, the Borrower shall have the
     right, in lieu of making such prepayment in full, to deposit an amount
     equal to such mandatory prepayment with the Administrative Agent in a cash
     collateral account maintained (pursuant to documentation reasonably
     satisfactory to the Administrative Agent) by and in the sole dominion and
     control of the Administrative Agent. Any amounts so deposited shall be held
     by the Administrative Agent as collateral for the prepayment of such
     Eurodollar Rate Loans and shall be applied to the prepayment of the
     applicable Eurodollar Rate Loans at the end of the current Interest Periods
     applicable thereto or, sooner, at the election of the Administrative Agent,
     upon the occurrence of an Event of Default. At the request of the Borrower,
     amounts so deposited shall be invested by the Administrative Agent in Cash
     Equivalents maturing on or prior to the date or dates on which it is
     anticipated that such amounts will be applied to prepay such Eurodollar
     Rate Loans; any interest earned on such Cash Equivalents will be for the
     account of the Borrower and the Borrower will deposit with the
     Administrative Agent the amount of any loss on any such Cash Equivalents to
     the extent necessary in order that the amount of the prepayment to be made
     with the deposited amounts may not be reduced.

2.06 Termination or Reduction of Aggregate Revolving Commitments.

     (a) Optional Reductions. The Borrower may, upon notice to the
Administrative Agent, terminate the Aggregate Revolving Commitments, or from
time to time permanently reduce the Aggregate Revolving Commitments to an amount
not less than the Outstanding Amount of Revolving Loans, Swing Line Loans and
L/C Obligations; provided that (i) any such notice shall be received by the
Administrative Agent not later than 12:00 noon three (3) Business Days prior to
the date of termination or reduction, (ii) any such partial reduction shall be
in an aggregate amount of $1,000,000 or any whole multiple of $1,000,000 in
excess thereof and (iii) if, after giving effect to any reduction of the
Aggregate Revolving Commitments, the Letter of Credit Sublimit or the Swing Line
Sublimit exceeds the amount of the Aggregate Revolving Commitments, such
sublimit shall be automatically reduced by the amount of such excess. The
Administrative Agent will promptly notify the Lenders of any such notice of
termination or reduction of the Aggregate Revolving Commitments. Any reduction
of the Aggregate Revolving Commitments shall be applied to the Revolving
Commitment of each Lender according to its Pro Rata Share. All fees accrued with
respect thereto until the effective date of any termination of the Aggregate
Revolving Commitments shall be paid on the effective date of such termination.

     (b) Mandatory Reductions. The Aggregate Revolving Commitments shall be
permanently reduced in an amount equal to the amount of any prepayment applied
to the Revolving Loans, Swing Line Loans and L/C Obligations pursuant to Section
2.05(b)(ii), (iii), (iv) and (v).

                                       43

<PAGE>

2.07 Repayment of Loans.

     (a) Revolving Loans. The Borrower shall repay to the Lenders on the
Maturity Date the aggregate principal amount of all Revolving Loans outstanding
on such date.

     (b) Swing Line Loans. The Borrower shall repay each Swing Line Loan on the
earlier to occur of (i) one Business Day after demand by the Swing Line Lender
and (ii) the Maturity Date.

     (c) Term Loan. The Borrower shall repay the outstanding principal amount of
the Term Loan in installments on the dates and in the amounts set forth in the
table below (as such installments may hereafter be adjusted as a result of
prepayments made pursuant to Section 2.05), unless accelerated sooner pursuant
to Section 9.02:

<TABLE>
<CAPTION>
   Payment Dates     Principal Amortization Payment
------------------   ------------------------------
<S>                  <C>
  March 31, 2006               $1,087,500
   June 30, 2006               $1,087,500
September 30, 2006             $1,087,500
 December 31, 2006             $1,087,500
  March 31, 2007               $1,087,500
   June 30, 2007               $1,087,500
September 30, 2007             $1,087,500
 December 31, 2007             $1,087,500
  March 31, 2008               $1,087,500
   June 30, 2008               $1,087,500
September 30, 2008             $1,087,500
 December 31, 2008             $1,087,500
  March 31, 2009               $1,087,500
   June 30, 2009               $1,087,500
September 30, 2009             $1,087,500
 December 31, 2009             $1,087,500
  March 31, 2010               $1,087,500
   June 30, 2010               $1,087,500
September 30, 2010             $1,087,500
 December 31, 2010             $1,087,500
  March 31, 2011               $1,087,500
   June 30, 2011               $1,087,500
September 30, 2011             $1,087,500
 December 31, 2011             $1,087,500
  March 31, 2012               $1,087,500
   June 30, 2012               $1,087,500
September 30, 2012             $1,087,500
   Maturity Date      Outstanding Principal Balance
                              of Term Loan
</TABLE>

                                       44

<PAGE>

2.08 Interest.

     (a) Subject to the provisions of subsection (b) below, (i) each Eurodollar
Rate Loan shall bear interest on the outstanding principal amount thereof for
each Interest Period at a rate per annum equal to the sum of (A) the Eurodollar
Rate for such Interest Period plus (B) the Applicable Rate; (ii) each Base Rate
Loan shall bear interest on the outstanding principal amount thereof from the
applicable borrowing date at a rate per annum equal to the Base Rate plus the
Applicable Rate; and (iii) each Swing Line Loan shall bear interest on the
outstanding principal amount thereof from the applicable borrowing date at a
rate per annum equal to the Base Rate plus the Applicable Rate.

     (b) (i) If any amount of principal of any Loan is not paid when due
     (without regard to any applicable grace periods), whether at stated
     maturity, by acceleration or otherwise, such amount shall thereafter bear
     interest at a fluctuating interest rate per annum at all times equal to the
     Default Rate to the fullest extent permitted by applicable Laws.

          (ii) If any amount (other than principal of any Loan) payable by the
     Borrower under any Loan Document is not paid when due (without regard to
     any applicable grace periods), whether at stated maturity, by acceleration
     or otherwise, then upon the request of the Required Lenders, such amount
     shall thereafter bear interest at a fluctuating interest rate per annum at
     all times equal to the Default Rate to the fullest extent permitted by
     applicable Laws.

          (iii) Upon the request of the Required Lenders, while any Event of
     Default exists, the Borrower shall pay interest on the principal amount of
     all outstanding Obligations hereunder at a fluctuating interest rate per
     annum at all times equal to the Default Rate to the fullest extent
     permitted by applicable Laws.

          (iv) Accrued and unpaid interest on past due amounts (including
     interest on past due interest) shall be due and payable upon demand.

     (c) Interest on each Loan shall be due and payable in arrears on each
Interest Payment Date applicable thereto and at such other times as may be
specified herein. Interest hereunder shall be due and payable in accordance with
the terms hereof before and after judgment, and before and after the
commencement of any proceeding under any Debtor Relief Law.

2.09 Fees.

     In addition to certain fees described in subsections (i) and (j) of Section
2.03:

          (a) Commitment Fee. The Borrower shall pay to the Administrative Agent
     for the account of each Lender in accordance with its Pro Rata Share, a
     commitment fee equal to the product of (i) the Applicable Rate times (ii)
     the actual daily amount by which the Aggregate Revolving Commitments exceed
     the sum of (y) the Outstanding Amount of Revolving Loans and (z) the
     Outstanding Amount of L/C Obligations. The commitment fee shall accrue at
     all times during the Availability Period, including at any time during
     which one or more of the conditions in Article V is not met, and shall be
     due and payable quarterly in arrears on the last Business Day of each
     March, June, September and December, commencing with the first such date to
     occur after the Closing Date, and on the Maturity Date. The commitment fee
     shall be calculated quarterly in arrears, and if there is any change in the
     Applicable Rate during any quarter, the actual daily amount shall be
     computed and multiplied by the Applicable Rate separately for each period
     during such quarter that such Applicable Rate was in effect. For purposes
     of clarification,

                                       45

<PAGE>

     Swing Line Loans shall not be considered outstanding for purposes of
     determining the unused portion of the Aggregate Revolving Commitments.

          (b) Fee Letter. The Borrower shall pay to BAS and the Administrative
     Agent for their own respective accounts fees in the amounts and at the
     times specified in the Fee Letter. Such fees shall be fully earned when
     paid and shall be non-refundable for any reason whatsoever.

2.10 Computation of Interest and Fees.

     All computations of interest for Base Rate Loans when the Base Rate is
determined by Bank of America's "prime rate" shall be made on the basis of a
year of 365 or 366 days, as the case may be, and actual days elapsed. All other
computations of fees and interest shall be made on the basis of a 360-day year
and actual days elapsed (which results in more fees or interest, as applicable,
being paid than if computed on the basis of a 365-day year). Interest shall
accrue on each Loan for the day on which the Loan is made, and shall not accrue
on a Loan, or any portion thereof, for the day on which the Loan or such portion
is paid, provided that any Loan that is repaid on the same day on which it is
made shall, subject to Section 2.12(a), bear interest for one day. Each
determination by the Administrative Agent of an interest rate or fee hereunder
shall be conclusive and binding for all purposes, absent manifest error.

2.11 Evidence of Debt.

     (a) The Credit Extensions made by each Lender shall be evidenced by one or
more accounts or records maintained by such Lender and by the Administrative
Agent in the ordinary course of business. The accounts or records maintained by
the Administrative Agent and each Lender shall be conclusive absent manifest
error of the amount of the Credit Extensions made by the Lenders to the Borrower
and the interest and payments thereon. Any failure to so record or any error in
doing so shall not, however, limit or otherwise affect the obligation of the
Borrower hereunder to pay any amount owing with respect to the Obligations. In
the event of any conflict between the accounts and records maintained by any
Lender and the accounts and records of the Administrative Agent in respect of
such matters, the accounts and records of the Administrative Agent shall control
in the absence of manifest error. Upon the request of any Lender made through
the Administrative Agent, the Borrower shall execute and deliver to such Lender
(through the Administrative Agent) a promissory note, which shall evidence such
Lender's Loans in addition to such accounts or records. Each such promissory
note shall (i) in the case of Revolving Loans, be in the form of Exhibit C-1 (a
"Revolving Note"), (ii) in the case of Swing Line Loans, be in the form of
Exhibit C-2 (a "Swing Line Note") and (iii) in the case of the Term Loan, be in
the form of Exhibit C-3 (a "Term Note"). Each Lender may attach schedules to its
Note and endorse thereon the date, Type (if applicable), amount and maturity of
its Loans and payments with respect thereto.

     (b) In addition to the accounts and records referred to in subsection (a),
each Lender and the Administrative Agent shall maintain in accordance with its
usual practice accounts or records evidencing the purchases and sales by such
Lender of participations in Letters of Credit and Swing Line Loans. In the event
of any conflict between the accounts and records maintained by the
Administrative Agent and the accounts and records of any Lender in respect of
such matters, the accounts and records of the Administrative Agent shall control
in the absence of manifest error.

2.12 Payments Generally.

     (a) All payments to be made by the Borrower shall be made without condition
or deduction for any counterclaim, defense, recoupment or setoff. Except as
otherwise expressly provided herein, all payments by the Borrower hereunder
shall be made to the Administrative Agent, for the account of the respective
Lenders to which such payment is owed, at the Administrative Agent's Office in
Dollars and in

                                       46

<PAGE>

immediately available funds not later than 2:00 p.m. on the date specified
herein. The Administrative Agent will promptly distribute to each Lender its Pro
Rata Share (or other applicable share as provided herein) of such payment in
like funds as received by wire transfer to such Lender's Lending Office. All
payments received by the Administrative Agent after 2:00 p.m. shall be deemed
received on the next succeeding Business Day and any applicable interest or fee
shall continue to accrue. If any payment to be made by the Borrower shall come
due on a day other than a Business Day, payment shall be made on the next
following Business Day, and such extension of time shall be reflected in
computing interest or fees, as the case may be.

     (b) (i) Funding by Lenders; Presumption by Administrative Agent. Unless the
     Administrative Agent shall have received notice from a Lender prior to the
     proposed date of any Borrowing of Eurodollar Rate Loans (or, in the case of
     any Borrowing of Base Rate Loans, prior to 12:00 noon on the date of such
     Borrowing) that such Lender will not make available to the Administrative
     Agent such Lender's share of such Borrowing, the Administrative Agent may
     assume that such Lender has made such share available on such date in
     accordance with Section 2.02 (or, in the case of a Borrowing of Base Rate
     Loans, that such Lender has made such share available in accordance with
     and at the time required by Section 2.02) and may, in reliance upon such
     assumption, make available to the Borrower a corresponding amount. In such
     event, if a Lender has not in fact made its share of the applicable
     Borrowing available to the Administrative Agent, then the applicable Lender
     and the Borrower severally agree to pay to the Administrative Agent
     forthwith on demand such corresponding amount in immediately available
     funds with interest thereon, for each day from and including the date such
     amount is made available to the Borrower to but excluding the date of
     payment to the Administrative Agent, at (A) in the case of a payment to be
     made by such Lender, the greater of the Federal Funds Rate and a rate
     determined by the Administrative Agent in accordance with banking industry
     rules on interbank compensation and (B) in the case of a payment to be made
     by the Borrower, the interest rate applicable to Base Rate Loans. If the
     Borrower and such Lender shall pay such interest to the Administrative
     Agent for the same or an overlapping period, the Administrative Agent shall
     promptly remit to the Borrower the amount of such interest paid by the
     Borrower for such period. If such Lender pays its share of the applicable
     Borrowing to the Administrative Agent, then the amount so paid shall
     constitute such Lender's Loan included in such Borrowing. Any payment by
     the Borrower shall be without prejudice to any claim the Borrower may have
     against a Lender that shall have failed to make such payment to the
     Administrative Agent.

          (ii) Payments by Borrower; Presumptions by Administrative Agent.
     Unless the Administrative Agent shall have received notice from the
     Borrower prior to the date on which any payment is due to the
     Administrative Agent for the account of the Lenders or the L/C Issuer
     hereunder that the Borrower will not make such payment, the Administrative
     Agent may assume that the Borrower has made such payment on such date in
     accordance herewith and may, in reliance upon such assumption, distribute
     to the Lenders or the L/C Issuer, as the case may be, the amount due. In
     such event, if the Borrower has not in fact made such payment, then each of
     the Lenders or the L/C Issuer, as the case may be, severally agrees to
     repay to the Administrative Agent forthwith on demand the amount so
     distributed to such Lender or the L/C Issuer, in immediately available
     funds with interest thereon, for each day from and including the date such
     amount is distributed to it to but excluding the date of payment to the
     Administrative Agent, at the greater of the Federal Funds Rate and a rate
     determined by the Administrative Agent in accordance with banking industry
     rules on interbank compensation.

          A notice of the Administrative Agent to any Lender or the Borrower
     with respect to any amount owing under this subsection (b) shall be
     conclusive, absent manifest error.

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<PAGE>

     (c) Failure to Satisfy Conditions Precedent. If any Lender makes available
to the Administrative Agent funds for any Loan to be made by such Lender as
provided in the foregoing provisions of this Article II, and such funds are not
made available to the Borrower by the Administrative Agent because the
conditions to the applicable Credit Extension set forth in Article V are not
satisfied or waived in accordance with the terms hereof, the Administrative
Agent shall return such funds (in like funds as received from such Lender) to
such Lender, without interest.

     (d) Obligations of Lenders Several. The obligations of the Lenders
hereunder to make Loans and to fund participations in Letters of Credit and
Swing Line Loans and to make payments pursuant to Section 11.04(c) are several
and not joint. The failure of any Lender to make any Loan, to fund any such
participation or to make any payment under Section 11.04(c) on any date required
hereunder shall not relieve any other Lender of its corresponding obligation to
do so on such date, and no Lender shall be responsible for the failure of any
other Lender to so make its Loan, to purchase its participation or to make its
payment under Section 11.04(c).

     (e) Funding Source. Nothing herein shall be deemed to obligate any Lender
to obtain the funds for any Loan in any particular place or manner or to
constitute a representation by any Lender that it has obtained or will obtain
the funds for any Loan in any particular place or manner.

2.13 Sharing of Payments.

     If, other than as expressly provided elsewhere herein, any Lender shall
obtain on account of the Loans made by it, or the participations in L/C
Obligations or in Swing Line Loans held by it (but not including any amounts
applied by the Swing Line Lender to outstanding Swing Line Loans), any payment
(whether voluntary, involuntary, through the exercise of any right of set-off,
or otherwise) in excess of its ratable share (or other share contemplated
hereunder) thereof, such Lender shall immediately (a) notify the Administrative
Agent of such fact, and (b) purchase from the other Lenders such participations
in the Loans made by them and/or such subparticipations in the participations in
L/C Obligations or Swing Line Loans held by them, as the case may be, as shall
be necessary to cause such purchasing Lender to share the excess payment in
respect of such Loans or such participations, as the case may be, pro rata with
each of them; provided, however, that if all or any portion of such excess
payment is thereafter recovered from the purchasing Lender under any of the
circumstances described in Section 11.05 (including pursuant to any settlement
entered into by the purchasing Lender in its discretion), such purchase shall to
that extent be rescinded and each other Lender shall repay to the purchasing
Lender the purchase price paid therefor, together with an amount equal to such
paying Lender's ratable share (according to the proportion of (i) the amount of
such paying Lender's required repayment to (ii) the total amount so recovered
from the purchasing Lender) of any interest or other amount paid or payable by
the purchasing Lender in respect of the total amount so recovered, without
further interest thereon. The Borrower agrees that any Lender so purchasing a
participation from another Lender may, to the fullest extent permitted by law,
exercise all its rights of payment (including the right of set-off, but subject
to Section 11.08) with respect to such participation as fully as if such Lender
were the direct creditor of the Borrower in the amount of such participation.
The Administrative Agent will keep records (which shall be conclusive and
binding in the absence of manifest error) of participations purchased under this
Section and will in each case notify the Lenders following any such purchases or
repayments. Each Lender that purchases a participation pursuant to this Section
shall from and after such purchase have the right to give all notices, requests,
demands, directions and other communications under this Agreement with respect
to the portion of the Obligations purchased to the same extent as though the
purchasing Lender were the original owner of the Obligations purchased.

                                       48

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                                   ARTICLE III

                     TAXES, YIELD PROTECTION AND ILLEGALITY

3.01 Taxes.

     (a) Any and all payments by any Loan Party to or for the account of the
Administrative Agent or any Lender under any Loan Document shall be made free
and clear of and without deduction for any and all present or future taxes,
duties, levies, imposts, deductions, assessments, fees, withholdings or similar
charges, and all liabilities with respect thereto, excluding, in the case of the
Administrative Agent and each Lender, taxes imposed on or measured by its
overall net income, and franchise taxes and any other similar taxes imposed on
it (in lieu of net income taxes), by the jurisdiction (or any political
subdivision thereof) under the Laws of which the Administrative Agent or such
Lender, as the case may be, is organized or maintains a lending office or as a
result of a present or former connection between such Lender and the
jurisdiction imposing such tax or any taxing authority thereof or therein other
than a connection that would not exist but for such Lender's activities with
respect to the Loan Documents (all such non-excluded taxes, duties, levies,
imposts, deductions, assessments, fees, withholdings or similar charges, and
liabilities being hereinafter referred to as "Taxes"). If any Loan Party shall
be required by any Laws to deduct any Taxes from or in respect of any sum
payable under any Loan Document to the Administrative Agent or any Lender, (i)
the sum payable shall be increased as necessary so that after making all
required deductions (including deductions applicable to additional sums payable
under this Section), each of the Administrative Agent and such Lender receives
an amount equal to the sum it would have received had no such deductions been
made, (ii) such Loan Party shall make such deductions, (iii) such Loan Party
shall pay the full amount deducted to the relevant taxation authority or other
authority in accordance with applicable Laws, and (iv) within thirty days after
the date of such payment, such Loan Party shall furnish to the Administrative
Agent (which shall forward the same to such Lender) the original or a certified
copy of a receipt evidencing payment thereof.

     (b) In addition, the Borrower agrees to pay any and all present or future
stamp, court or documentary taxes and any other excise or property taxes or
charges or similar levies which arise from any payment made under any Loan
Document or from the execution, delivery, performance, enforcement or
registration of, or otherwise with respect to, any Loan Document (hereinafter
referred to as "Other Taxes").

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

     (d) The Borrower agrees to indemnify the Administrative Agent and each
Lender for (i) the full amount of Taxes and Other Taxes (including any Taxes or
Other Taxes imposed or asserted by any jurisdiction on amounts payable under
this Section) paid by the Administrative Agent and such Lender, (ii) amounts
payable under Section 3.01(c) and (iii) any liability (including additions to
tax, penalties, interest and expenses) arising therefrom or with respect
thereto, in each case whether or not such Taxes or Other Taxes were correctly or
legally imposed or asserted by the relevant Governmental Authority. Payment
under this subsection (d) shall be made within thirty days after the date the
Lender or the Administrative Agent makes a demand therefor.

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<PAGE>

3.02 Illegality.

     If any Lender determines that any Law has made it unlawful, or that any
Governmental Authority has asserted that it is unlawful, for any Lender or its
applicable Lending Office to make, maintain or fund Eurodollar Rate Loans, or to
determine or charge interest rates based upon the Eurodollar Rate, then, on
notice thereof by such Lender to the Borrower through the Administrative Agent,
any obligation of such Lender to make or continue Eurodollar Rate Loans or to
convert Base Rate Loans to Eurodollar Rate Loans shall be suspended until such
Lender notifies the Administrative Agent and the Borrower that the circumstances
giving rise to such determination no longer exist. Upon receipt of such notice,
the Borrower shall, upon demand from such Lender (with a copy to the
Administrative Agent), prepay or, if applicable, convert all Eurodollar Rate
Loans of such Lender to Base Rate Loans, either on the last day of the Interest
Period therefor, if such Lender may lawfully continue to maintain such
Eurodollar Rate Loans to such day, or immediately, if such Lender may not
lawfully continue to maintain such Eurodollar Rate Loans. Upon any such
prepayment or conversion, the Borrower shall also pay accrued interest on the
amount so prepaid or converted. Each Lender agrees to designate a different
Lending Office if such designation will avoid the need for such notice and will
not, in the good faith judgment of such Lender, otherwise be materially
disadvantageous to such Lender.

3.03 Inability to Determine Rates.

     If the Administrative Agent determines that for any reason adequate and
reasonable means do not exist for determining the Eurodollar Base Rate for any
requested Interest Period with respect to a proposed Eurodollar Rate Loan, or
the Required Lenders notify the Administrative Agent that the Eurodollar Base
Rate for any requested Interest Period with respect to a proposed Eurodollar
Rate Loan does not adequately and fairly reflect the cost to the Lenders of
funding such Loan, the Administrative Agent will promptly notify the Borrower
and all Lenders. Thereafter, the obligation of the Lenders to make or maintain
Eurodollar Rate Loans shall be suspended until the Administrative Agent revokes
such notice. Upon receipt of such notice, the Borrower may revoke any pending
request for a Borrowing, conversion or continuation of Eurodollar Rate Loans or,
failing that, will be deemed to have converted such request into a request for a
Borrowing of Base Rate Loans in the amount specified therein.

3.04 Increased Cost and Reduced Return; Capital Adequacy.

     (a) If any Lender determines that as a result of the introduction of or any
change in or in the interpretation of any Law after the Closing Date, or such
Lender's compliance therewith, there shall be any increase in the cost to such
Lender of agreeing to make or making, funding or maintaining Eurodollar Rate
Loans or (as the case may be) issuing or participating in Letters of Credit, or
a reduction in the amount received or receivable by such Lender in connection
with any of the foregoing (excluding for purposes of this subsection (a) any
such increased costs or reduction in amount resulting from (i) Taxes or Other
Taxes (as to which Section 3.01 shall govern), (ii) changes in the basis of
taxation of overall net income or overall gross income by the United States or
any foreign jurisdiction or any political subdivision of either thereof under
the Laws of which such Lender is organized or has its Lending Office, and (iii)
reserve requirements utilized, as to Eurodollar Rate Loans, in the determination
of the Eurodollar Rate), then from time to time upon demand of such Lender (with
a copy of such demand to the Administrative Agent), the Borrower shall pay to
such Lender such additional amounts as will compensate such Lender for such
increased cost or reduction.

     (b) If any Lender or the L/C Issuer determines that the introduction of any
Law regarding capital adequacy or any change therein or in the interpretation
thereof after the Closing Date, or compliance by such Lender (or its Lending
Office) or the L/C Issuer therewith, has the effect of reducing the rate of
return on the capital of such Lender or any corporation controlling such Lender
as a

                                       50

<PAGE>

consequence of such Lender's obligations hereunder (taking into consideration
such Lender's or the L/C Issuer's policies with respect to capital adequacy),
then from time to time upon demand of such Lender or the L/C Issuer, as the case
may be (with a copy of such demand to the Administrative Agent), the Borrower
shall pay to such Lender such additional amounts as will compensate such Lender
or the L/C Issuer for such reduction.

3.05 Funding Losses.

     Upon demand of any Lender (with a copy to the Administrative Agent) from
time to time, the Borrower shall promptly compensate such Lender for and hold
such Lender harmless from any loss, cost or expense incurred by it as a result
of:

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

          (b) any failure by the Borrower (for a reason other than the failure
     of such Lender to make a Loan) to prepay, borrow, continue or convert any
     Loan other than a Base Rate Loan on the date or in the amount notified by
     the Borrower; or

          (c) any assignment of a Eurodollar Rate Loan on a day other than the
     last day of the Interest Period therefor as a result of:

               (i) a request by the Borrower pursuant to Section 11.15; or

               (ii) an assignment by Bank of America pursuant to Section
          11.06(b) as part of the primary syndication of the Commitments and
          Loans during the 180-day period immediately following the Closing
          Date, provided that Bank of America agrees to use reasonable efforts
          to reduce the breakage costs payable by the Borrower in connection
          therewith (including, without limitation, to the extent reasonably
          practical, closing such assignments at the end of Interest Periods of
          outstanding Eurodollar Loans);

including any loss or expense arising from the liquidation or reemployment of
funds obtained by it to maintain such Loan or from fees payable to terminate the
deposits from which such funds were obtained, but excluding any loss of
anticipated profits. The Borrower shall also pay any customary administrative
fees charged by such Lender in connection with the foregoing.

     For purposes of calculating amounts payable by the Borrower to the Lenders
under this Section 3.05, each Lender shall be deemed to have funded each
Eurodollar Rate Loan made by it at the Eurodollar Base Rate used in determining
the Eurodollar Rate for such Loan by a matching deposit or other borrowing in
the London interbank eurodollar market for a comparable amount and for a
comparable period, whether or not such Eurodollar Rate Loan was in fact so
funded.

3.06 Matters Applicable to all Requests for Compensation.

     (a) A certificate of the Administrative Agent or any Lender claiming
compensation under this Article III and setting forth the calculation in
reasonable detail of the additional amount or amounts to be paid to it hereunder
shall be conclusive in the absence of manifest error. In determining such
amount, the Administrative Agent or such Lender may use any reasonable and
customary averaging and attribution methods.

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<PAGE>

     (b) Upon any Lender's making a claim for compensation under Section 3.01 or
3.04, the Borrower may replace such Lender in accordance with Section 11.15.

3.07 Survival.

     All of the Borrower's obligations under this Article III shall survive
termination of the Aggregate Revolving Commitments and repayment of all other
Obligations hereunder.

                                   ARTICLE IV

                                    GUARANTY

4.01 The Guaranty.

     Each of the Guarantors hereby jointly and severally guarantees to each
Lender, each Affiliate of a Lender that enters into a Swap Contract or a
Treasury Management Agreement, and the Administrative Agent as hereinafter
provided, as primary obligor and not as surety, the prompt payment of the
Obligations in full when due (whether at stated maturity, as a mandatory
prepayment, by acceleration, as a mandatory cash collateralization or otherwise)
strictly in accordance with the terms thereof. The Guarantors hereby further
agree that if any of the Obligations are not paid in full when due (whether at
stated maturity, as a mandatory prepayment, by acceleration, as a mandatory cash
collateralization or otherwise), the Guarantors will, jointly and severally,
promptly pay the same, without any demand or notice whatsoever, and that in the
case of any extension of time of payment or renewal of any of the Obligations,
the same will be promptly paid in full when due (whether at extended maturity,
as a mandatory prepayment, by acceleration, as a mandatory cash
collateralization or otherwise) in accordance with the terms of such extension
or renewal.

     Notwithstanding any provision to the contrary contained herein or in any
other of the Loan Documents, Swap Contracts or Treasury Management Agreements,
the obligations of each Guarantor under this Agreement and the other Loan
Documents shall be limited to an aggregate amount equal to the largest amount
that would not render such obligations subject to avoidance under the Debtor
Relief Laws or any comparable provisions of any applicable state law.

4.02 Obligations Unconditional.

     The obligations of the Guarantors under Section 4.01 are joint and several,
absolute and unconditional, irrespective of the value, genuineness, validity,
regularity or enforceability of any of the Loan Documents, Swap Contracts or
Treasury Management Agreements, or any other agreement or instrument referred to
therein, or any substitution, release, impairment or exchange of any other
guarantee of or security for any of the Obligations, and, to the fullest extent
permitted by applicable law, irrespective of any other circumstance whatsoever
which might otherwise constitute a legal or equitable discharge or defense of a
surety or guarantor, it being the intent of this Section 4.02 that the
obligations of the Guarantors hereunder shall be absolute and unconditional
under any and all circumstances. Each Guarantor agrees that such Guarantor shall
have no right of subrogation, indemnity, reimbursement or contribution against
the Borrower or any other Guarantor for amounts paid under this Article IV until
such time as the Obligations have been paid in full and the Commitment have
expired or terminated. Without limiting the generality of the foregoing, it is
agreed that, to the fullest extent permitted by law, the occurrence of any one
or more of the following shall not alter or impair the liability of any
Guarantor hereunder, which shall remain absolute and unconditional as described
above:

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<PAGE>

          (a) at any time or from time to time, without notice to any Guarantor,
     the time for any performance of or compliance with any of the Obligations
     shall be extended, or such performance or compliance shall be waived;

          (b) any of the acts mentioned in any of the provisions of any of the
     Loan Documents, any Swap Contract or any Treasury Management Agreement
     between any Loan Party and any Lender, or any Affiliate of a Lender, or any
     other agreement or instrument referred to in the Loan Documents, such Swap
     Contracts or such Treasury Management Agreements shall be done or omitted;

          (c) the maturity of any of the Obligations shall be accelerated, or
     any of the Obligations shall be modified, supplemented or amended in any
     respect, or any right under any of the Loan Documents, any Swap Contract or
     Treasury Management Agreement between any Loan Party and any Lender, or any
     Affiliate of a Lender, or any other agreement or instrument referred to in
     the Loan Documents, such Swap Contracts or such Treasury Management
     Agreements shall be waived or any other guarantee of any of the Obligations
     or any security therefor shall be released, impaired or exchanged in whole
     or in part or otherwise dealt with;

          (d) any Lien granted to, or in favor of, the Administrative Agent or
     any Lender or Lenders as security for any of the Obligations shall fail to
     attach or be perfected; or

          (e) any of the Obligations shall be determined to be void or voidable
     (including, without limitation, for the benefit of any creditor of any
     Guarantor) or shall be subordinated to the claims of any Person (including,
     without limitation, any creditor of any Guarantor).

     With respect to its obligations hereunder, each Guarantor hereby expressly
waives diligence, presentment, demand of payment, protest and all notices
whatsoever, and any requirement that the Administrative Agent or any Lender
exhaust any right, power or remedy or proceed against any Person under any of
the Loan Documents, any Swap Contract or any Treasury Management Agreement
between any Loan Party and any Lender, or any Affiliate of a Lender, or any
other agreement or instrument referred to in the Loan Documents, such Swap
Contracts or such Treasury Management Agreements, or against any other Person
under any other guarantee of, or security for, any of the Obligations.

4.03 Reinstatement.

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

4.04 Certain Additional Waivers.

     Each Guarantor agrees that such Guarantor shall have no right of recourse
to security for the Obligations, except through the exercise of rights of
subrogation pursuant to Section 4.02 and through the exercise of rights of
contribution pursuant to Section 4.06.

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<PAGE>

4.05 Remedies.

     The Guarantors agree that, to the fullest extent permitted by law, as
between the Guarantors, on the one hand, and the Administrative Agent and the
Lenders, on the other hand, the Obligations may be declared to be forthwith due
and payable as provided in Section 9.02 (and shall be deemed to have become
automatically due and payable in the circumstances provided in said Section
9.02) for purposes of Section 4.01 notwithstanding any stay, injunction or other
prohibition preventing such declaration (or preventing the Obligations from
becoming automatically due and payable) as against any other Person and that, in
the event of such declaration (or the Obligations being deemed to have become
automatically due and payable), the Obligations (whether or not due and payable
by any other Person) shall forthwith become due and payable by the Guarantors
for purposes of Section 4.01. The Guarantors acknowledge and agree that their
obligations hereunder are secured in accordance with the terms of the Collateral
Documents and that the Lenders may exercise their remedies thereunder in
accordance with the terms thereof.

4.06 Rights of Contribution.

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

4.07 Guarantee of Payment; Continuing Guarantee.

     The guarantee in this Article IV is a guaranty of payment and not of
collection, is a continuing guarantee, and shall apply to all Obligations
whenever arising.

                                    ARTICLE V

                    CONDITIONS PRECEDENT TO CREDIT EXTENSIONS

5.01 Conditions of Initial Credit Extension.

     The obligation of the L/C Issuer and each Lender to make its initial Credit
Extension hereunder is subject to satisfaction of the following conditions
precedent:

          (a) Loan Documents. Receipt by the Administrative Agent of executed
     counterparts of this Agreement and the other Loan Documents, each properly
     executed by a Responsible Officer of the signing Loan Party and, in the
     case of this Agreement, by each Lender.

          (b) Opinions of Counsel. Receipt by the Administrative Agent of
     favorable opinions of legal counsel to the Loan Parties, addressed to the
     Administrative Agent and each Lender, dated as of the Closing Date, and in
     form and substance customary for financings of this type and otherwise
     reasonably satisfactory to the Administrative Agent.

          (c) Financial Statements. The Administrative Agent shall have
     received:

               (i) consolidated and Consolidating financial statements of the
          Borrower and its Subsidiaries for the fiscal year ended December 31,
          2004, including balance sheet and income and cash flow statements and,
          in the case of the consolidated financial statements

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<PAGE>

          audited by independent public accountants of recognized national
          standing and prepared in conformity with GAAP;

               (ii) unaudited consolidated and Consolidating financial
          statements of the Borrower and its Subsidiaries for the fiscal quarter
          ending September 30, 2005, including balance sheets and statements of
          income or operations, shareholders' equity and cash flows (the
          "Interim Financial Statements");

               (iii) consolidated financial statements of the NDC and its
          Subsidiaries for the fiscal year ended May 27, 2005, including balance
          sheet and income and cash flow statements and audited by independent
          public accountants of recognized national standing and prepared in
          conformity with GAAP (the "NDC Audited Financial Statements"); and

               (iv) a pro forma balance sheet and income statement of the
          Borrower and its Subsidiaries after giving effect to the NDC
          Acquisition as contained in the Form S-4 filed with the SEC by the
          Borrower in connection with the NDC Acquisition.

          (d) No Material Adverse Change. There shall not have occurred (A)
     since December 31, 2004 any event, circumstance, change or effect that,
     individually or in the aggregate with all other events, circumstances,
     changes and effects, is or is reasonably likely to be materially adverse to
     the business, assets, liabilities, operations or financial condition of the
     Borrower and its Subsidiaries taken as a whole or (B) since May 27, 2005
     any event, circumstance, change or effect that, individually or in the
     aggregate with all other events, circumstances, changes and effects, is or
     is reasonably likely to be materially adverse to the business, assets,
     liabilities, operations or financial condition of NDC and its Subsidiaries
     taken as a whole; provided, however, that for purposes of the foregoing a
     determination of whether an event, circumstance, change or effect is
     materially adverse or is reasonably likely to be materially adverse shall
     exclude any event, circumstance, change or effect resulting from (i)
     changes in general economic or financial market conditions (which do not
     have a materially disproportionate effect on the Borrower and it
     Subsidiaries or NDC and its Subsidiaries, as applicable), (ii) general
     changes in the industries in which the Borrower and NDC and their
     respective Subsidiaries operate (which do not have a materially
     disproportionate effect on the Borrower and it Subsidiaries or NDC and its
     Subsidiaries, as applicable), (iii) changes in the trading prices of the
     shares of common stock of the Borrower or NDC between August 26, 2005 and
     the Closing Date (it being understood that any fact or development giving
     rise to or contributing to such change in the trading price of the shares
     of common stock of the Borrower or NDC may be the cause of such material
     adverse change), (iv) changes in laws or regulations or generally accepted
     accounting principles, (v) the direct effects of compliance with the NDC
     Purchase Agreement on the operating performance of NDC or the Borrower,
     including any expenses incurred in consummating the NDC Acquisition under
     the NDC Purchase Agreement and the other transactions contemplated thereby,
     (vi) the announcement of the NDC Purchase Agreement or the NDC Acquisition
     or any other transactions contemplated thereby, the fulfillment of the
     Borrower's or NDC's obligations under the NDC Purchase Agreement or the
     consummation of the NDC Acquisition or the other transactions contemplated
     thereby, or (vii) any outbreak or escalation of hostilities or act of
     terrorism or any declaration of war which do not have a materially
     disproportionate effect on the Borrower and its Subsidiaries or NDC and its
     Subsidiaries, as applicable.

          (e) Litigation. The absence of any action, suit, investigation or
     proceeding pending or threatened in any court or before any arbitrator or
     Governmental Authority, or, in the case of any actions, suits,
     investigations or proceedings disclosed by the Borrower or NDC in the NDC

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<PAGE>

     Purchase Agreement or in their respective SEC filings prior to August 26,
     2005, any developments or changes with respect to any such actions, suits,
     investigations or proceedings subsequent to August 26, 2005, that could
     reasonably be expected to (1) have a material adverse effect on the
     business, assets, properties, liabilities, operations, financial condition
     or prospects of (x) the Borrower and its Subsidiaries, taken as a whole or
     (y) NDC and its Subsidiaries, taken as a whole, (2) adversely affect in any
     material respect the ability of the Borrower or the Guarantors to perform
     their obligations under the Loan Documents or (3) adversely affect in any
     material respect the rights and remedies of the Administrative Agent or the
     Lenders under the Loan Documents.

          (f) Organization Documents, Resolutions, Etc. Receipt by the
     Administrative Agent of the following, each of which shall be originals or
     facsimiles (followed promptly by originals), in form and substance
     satisfactory to the Administrative Agent and its legal counsel:

               (i) copies of the Organization Documents of each Loan Party
          certified to be true and complete as of a recent date by the
          appropriate Governmental Authority of the state or other jurisdiction
          of its incorporation or organization, where applicable, and certified
          by a secretary or assistant secretary of such Loan Party to be true
          and correct as of the Closing Date;

               (ii) such certificates of resolutions or other action, incumbency
          certificates and/or other certificates of Responsible Officers of each
          Loan Party as the Administrative Agent may reasonably require
          evidencing the identity, authority and capacity of each Responsible
          Officer thereof authorized to act as a Responsible Officer in
          connection with this Agreement and the other Loan Documents to which
          such Loan Party is a party; and

               (iii) such documents and certifications as the Administrative
          Agent may reasonably require to evidence that each Loan Party is duly
          organized or formed, and is validly existing, in good standing and
          qualified to engage in business in its state of organization or
          formation, the state of its principal place of business and each other
          jurisdiction where its ownership, lease or operation of properties or
          the conduct of its business requires such qualification, except to the
          extent that failure to do so could not reasonably be expected to have
          a Material Adverse Effect.

          (g) Perfection and Priority of Liens. Receipt by the Administrative
     Agent of the following:

               (i) searches of Uniform Commercial Code filings in the
          jurisdiction of formation of each Loan Party, the jurisdiction of the
          chief executive office of NDC and its Subsidiaries, and each
          jurisdiction where any Collateral of NDC and its Subsidiaries is
          located or where a filing would need to be made in order to perfect
          the Administrative Agent's security interest in such Collateral,
          copies of the financing statements on file in such jurisdictions and
          evidence that no Liens exist other than Permitted Liens;

               (ii) all certificates evidencing any certificated Capital Stock
          pledged to the Administrative Agent pursuant to the Pledge Agreement,
          together with duly executed in blank, undated stock powers attached
          thereto (unless, with respect to the pledged Capital Stock of any
          Foreign Subsidiary, such stock powers are deemed unnecessary by the
          Administrative Agent in its reasonable discretion under the law of the
          jurisdiction of incorporation of such Person);

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               (iii) searches of ownership of, and Liens on, intellectual
          property of each Loan Party in the appropriate governmental offices;

               (iv) duly executed notices of grant of security interest in the
          form required by the Security Agreement as are necessary, in the
          Administrative Agent's sole discretion, to perfect the Administrative
          Agent's security interest in the intellectual property of the Loan
          Parties;

               (v) fully executed and notarized Mortgages encumbering the fee
          interest and/or leasehold interest of any Loan Party in each of the
          real properties designated as a Mortgaged Property on Schedule
          6.20(a);

               (vi) maps or plats of an as-built survey of the sites of the real
          property covered by the Mortgage in a manner reasonably satisfactory
          to each of the Administrative Agent and such title insurance company,
          by an independent professional licensed land surveyor, which maps or
          plats and the surveys on which they are based shall be sufficient to
          delete any standard printed survey exception contained in the
          applicable title policy and be made in accordance with the Minimum
          Standard Detail Requirements for Land Title Surveys jointly
          established and adopted by the American Land Title Association and the
          American Congress on Surveying and Mapping in 1997 with all items from
          Table A thereof completed, except for Nos. 5 and 12;

               (vii) ALTA mortgagee title insurance policies issued by a title
          insurance company reasonably acceptable to the Administrative Agent
          with respect to each Mortgaged Property, assuring the Administrative
          Agent that each of the Mortgages creates a valid and enforceable first
          priority mortgage lien on the applicable Mortgaged Property, free and
          clear of all defects and encumbrances except Permitted Liens, which
          title insurance policies shall otherwise be in form and substance
          reasonably satisfactory to the Administrative Agent and shall include
          such endorsements as are reasonably requested by the Administrative
          Agent; and

               (viii) evidence as to (A) whether any Mortgaged Property is in an
          area designated by the Federal Emergency Management Agency as having
          special flood or mud slide hazards (a "Flood Hazard Property") and (B)
          if any Mortgaged Property is a Flood Hazard Property, (1) whether the
          community in which such Mortgaged Property is located is participating
          in the National Flood Insurance Program, (2) the applicable Loan
          Party's written acknowledgment of receipt of written notification from
          the Administrative Agent (a) as to the fact that such Mortgaged
          Property is a Flood Hazard Property and (b) as to whether the
          community in which each such Flood Hazard Property is located is
          participating in the National Flood Insurance Program and (3) copies
          of insurance policies or certificates of insurance of the Borrowers
          and their Subsidiaries evidencing flood insurance satisfactory to the
          Administrative Agent and naming the Administrative Agent as sole loss
          payee on behalf of the Lenders.

          (h) Evidence of Insurance. Receipt by the Administrative Agent of
     copies of insurance policies or certificates of insurance of the Loan
     Parties evidencing liability and casualty insurance meeting the
     requirements set forth in the Loan Documents, including, but not limited
     to, naming the Administrative Agent as additional insured (in the case of
     liability insurance) or loss payee (in the case of hazard insurance) on
     behalf of the Lenders.

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          (i) Debt Tender Offer. The Administrative Agent shall have received
     satisfactory evidence that the Debt Tender Offer shall have been completed
     (it being understood and agreed that a tender and repurchase of at least a
     majority in principal amount of the outstanding NDC Subordinated Notes and
     a corresponding removal of the covenants in Sections 1007 through 1012,
     Sections 1014 through 1016 and Sections 1018 through 1019 of the related
     indenture shall be deemed a satisfactory completion of the Debt Tender
     Offer).

          (j) Closing Certificate. Receipt by the Administrative Agent of a
     certificate signed by a Responsible Officer of the Borrower certifying that
     the conditions specified in Sections 5.01(d) and (e) and Sections 5.02(a),
     (b) and (c) have been satisfied.

          (k) Consummation of NDC Acquisition and IMB Sale. Receipt by the
     Administrative Agent of satisfactory evidence that (1) the NDC Acquisition
     will be consummated concurrent with the advances of the initial Loans in
     compliance with applicable law and regulatory approvals and substantially
     in accordance with the NDC Acquisition Documents, and (2) the IMB Sale will
     be consummated concurrent with the advances of the initial Loans in
     compliance with applicable law and regulatory approvals and substantially
     in accordance with the IMB Purchase Agreement.

          (l) Copy of NDC Acquisition Documents. Receipt by the Administrative
     Agent of a copy, certified by a Responsible Officer of the Borrower as true
     and complete, of (i) the NDC Acquisition Documents, together with all
     exhibits and schedules, which NDC Acquisition Documents shall not have been
     altered, amended or otherwise changed or supplemented, or any condition
     therein waived, in any manner that would be adverse in any material respect
     to the Borrower or the Lenders, without the written consent of the
     Administrative Agent and (ii) the Indenture dated as of November 26, 2002
     among NDC, certain of its Subsidiaries, as subsidiary guarantors and
     Regions Bank, as trustee, as amended or modified from time to time.

          (m) Governmental Approvals. Receipt of all governmental, shareholder
     and third party consents (including Hart-Scott-Rodino clearance) and
     approvals necessary or, in the reasonable opinion of the Administrative
     Agent, desirable in connection with the NDC Acquisition and the related
     financings and other transactions contemplated hereby and expiration of all
     applicable waiting periods without any action being taken by any authority
     that could restrain, prevent or impose any material adverse conditions on
     the Borrower and its Subsidiaries or such other transactions or that could
     seek or threaten any of the foregoing, and no law or regulation shall be
     applicable which in the reasonable judgment of the Administrative Agent
     could reasonably be expected to have such effect;

          (n) Fees. Receipt by the Administrative Agent and the Lenders of any
     fees required to be paid on or before the Closing Date.

          (o) Solvency Certificate. The Administrative Agent shall have received
     certification as to the financial condition and solvency of the Borrower
     and its Subsidiaries (after giving effect to the transactions contemplated
     hereby) from a Responsible Officer of the Borrower.

          (p) Attorney Costs. Unless waived by the Administrative Agent, the
     Borrower shall have paid all Attorney Costs of the Administrative Agent to
     the extent invoiced prior to or on the Closing Date, plus such additional
     amounts of Attorney Costs as shall constitute its reasonable estimate of
     Attorney Costs incurred or to be incurred by it through the closing
     proceedings (provided that such estimate shall not thereafter preclude a
     final settling of accounts between the Borrower and the Administrative
     Agent).

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          (q) NDC Credit Agreement. Receipt by the Administrative of evidence
     that the NDC Credit Agreement concurrently with the Closing Date is being
     terminated and all Liens securing obligations under the NDC Credit
     Agreement concurrently with the Closing Date are being released.

          Without limiting the generality of the provisions of Section 10.04,
     for purposes of determining compliance with the conditions specified in
     this Section 5.01, each Lender that has signed this Agreement shall be
     deemed to have consented to, approved or accepted or to be satisfied with,
     each document or other matter required thereunder to be consented to or
     approved by or acceptable or satisfactory to a Lender unless the Borrower
     and the Administrative Agent shall have received written notice from such
     Lender prior to the proposed Closing Date specifying its objection thereto.

5.02 Conditions to all Credit Extensions.

     The obligation of each Lender to honor any Request for Credit Extension
(other than a Loan Notice requesting only a conversion of Loans to the other
Type, or a continuation of Eurodollar Rate Loans) is subject to the following
conditions precedent:

          (a) The representations and warranties of the Borrower and each other
     Loan Party contained in Article VI or any other Loan Document shall be true
     and correct in all material respects on and as of the date of such Credit
     Extension, except to the extent that such representations and warranties
     specifically refer to an earlier date, in which case they shall be true and
     correct as of such earlier date, and except that for purposes of this
     Section 5.02, the representations and warranties contained in subsections
     (a) and (b) of Section 6.05 shall be deemed to refer to the most recent
     statements furnished pursuant to clauses (a) and (b), respectively, of
     Section 7.01.

          (b) No Default shall exist, or would result from such proposed Credit
     Extension.

          (c) There shall not have been commenced against the Borrower or any
     Subsidiary an involuntary case under any applicable Debtor Relief Law, now
     or hereafter in effect, or any case, proceeding or other action for the
     appointment of a receiver, liquidator, assignee, custodian, trustee,
     sequestrator (or similar official) of such Person or for any substantial
     part of its Property or for the winding up or liquidation of its affairs,
     and such involuntary case or other case, proceeding or other action shall
     remain undismissed.

          (d) The Administrative Agent and, if applicable, the L/C Issuer or the
     Swing Line Lender shall have received a Request for Credit Extension in
     accordance with the requirements hereof.

     Each Request for Credit Extension (other than a Loan Notice requesting only
a conversion of Loans to the other Type, or a continuation of Eurodollar Rate
Loans) submitted by the Borrower shall be deemed to be a representation and
warranty that the conditions specified in Sections 5.02(a), (b) and (c) have
been satisfied on and as of the date of the applicable Credit Extension.

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                                   ARTICLE VI

                         REPRESENTATIONS AND WARRANTIES

     The Loan Parties represent and warrant to the Administrative Agent and the
Lenders that:

6.01 Existence, Qualification and Power.

     Each Loan Party (a) is a corporation, partnership or limited liability
company duly organized or formed, validly existing and in good standing under
the Laws of the jurisdiction of its incorporation or organization, (b) has all
requisite power and authority and all requisite governmental licenses,
authorizations, consents and approvals to (i) own or lease its assets and carry
on its business and (ii) execute, deliver and perform its obligations under the
Loan Documents to which it is a party, and (c) is duly qualified and is licensed
and in good standing under the Laws of each jurisdiction where its ownership,
lease or operation of properties or the conduct of its business requires such
qualification or license; except in each case referred to in clause (b)(i) or
(c), to the extent that failure to do so could not reasonably be expected to
have a Material Adverse Effect.

6.02 Authorization; No Contravention.

     The execution, delivery and performance by each Loan Party of each Loan
Document to which such Person is party, have been duly authorized by all
necessary corporate or other organizational action, and do not (a) contravene
the terms of any of such Person's Organization Documents; (b) conflict with or
result in any breach or contravention of, or the creation of any Lien under (i)
any material Contractual Obligation to which such Person is a party or (ii) any
order, injunction, writ or decree of any Governmental Authority or any arbitral
award to which such Person or its property is subject; or (c) violate any Law
(including, without limitation, Regulation U or Regulation X issued by the FRB).

6.03 Governmental Authorization; Other Consents.

     No approval, consent, exemption, authorization, or other action by, or
notice to, or filing with, any Governmental Authority or any other Person is
necessary or required in connection with the execution, delivery or performance
by, or enforcement against, any Loan Party of this Agreement or any other Loan
Document other than (i) those that have already been obtained and are in full
force and effect and (ii) filings to perfect the Liens created by the Collateral
Documents.

6.04 Binding Effect.

     This Agreement and each other Loan Document has been duly executed and
delivered by each Loan Party that is party thereto. This Agreement and each
other Loan Document constitutes a legal, valid and binding obligation of each
Loan Party that is party thereto, enforceable against each such Loan Party in
accordance with its terms.

6.05 Financial Statements; No Material Adverse Effect.

     (a) The Audited Financial Statements and the NDC Audited Financial
Statements each (i) were prepared in accordance with GAAP consistently applied
throughout the period covered thereby, except as otherwise expressly noted
therein; (ii) fairly present in all material respects the financial condition of
the Borrower and its Subsidiaries or NDC and its Subsidiaries, as applicable, as
of the date thereof and their results of operations for the period covered
thereby in accordance with GAAP consistently applied throughout the period
covered thereby, except as otherwise expressly noted therein;

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and (iii) show all material indebtedness and other liabilities, direct or
contingent, of the Borrower and its Subsidiaries or NDC and its Subsidiaries, as
applicable, as of the date thereof, including liabilities for taxes, commitments
and Indebtedness, required to be reflected therein in accordance with GAAP.

     (b) The Interim Financial Statements (i) were prepared in accordance with
GAAP consistently applied throughout the period covered thereby, except as
otherwise expressly noted therein; (ii) fairly present the financial condition
of the Borrower and its Subsidiaries, as of the date thereof and their results
of operations for the period covered thereby, subject, in the case of clauses
(i) and (ii), to the absence of footnotes and to normal year-end audit
adjustments; and (iii) show all material indebtedness and other liabilities,
direct or contingent, of the Borrower and its Subsidiaries, as of the date
thereof, including liabilities for taxes, material commitments and Indebtedness,
required to be reflected therein in accordance with GAAP.

     (c) (i) From the date of the Audited Financial Statements to and including
the Closing Date, there has been no Disposition by the Borrower or any
Subsidiary, or any Involuntary Disposition, of any material part of the business
or Property of the Borrower and its Subsidiaries, taken as a whole, and no
purchase or other acquisition by any of them of any business or property
(including any Capital Stock of any other Person) material in relation to the
consolidated financial condition of the Borrower and its Subsidiaries, taken as
a whole, in each case, which is not reflected in the foregoing financial
statements or in the notes thereto or has not otherwise been disclosed in SEC
reports and filings made by the Borrower and publicly available prior to the
Closing Date or otherwise in writing to the Lenders on or prior to the Closing
Date and (ii) from the date of the NDC Audited Financial Statements to and
including the Closing Date, there has been no Disposition by NDC or any
Subsidiary, or any Involuntary Disposition, of any material part of the business
or Property of NDC and its Subsidiaries, taken as a whole, and no purchase or
other acquisition by any of them of any business or property (including any
Capital Stock of any other Person) material in relation to the consolidated
financial condition of NDC and its Subsidiaries, taken as a whole, in each case,
which is not reflected in the foregoing financial statements or in the notes
thereto or has not otherwise been disclosed in SEC reports and filings made by
NDC and publicly available prior to the Closing Date or otherwise in writing to
the Lenders on or prior to the Closing Date.

     (d) The financial statements delivered pursuant to Section 7.01(a), (b) and
(c) have been prepared in accordance with GAAP (except as may otherwise be
permitted under Section 7.01(a), (b) and (c)) and present fairly in all material
respects (on the basis disclosed in the footnotes to such financial statements)
the consolidated financial condition, results of operations and cash flows of
the Borrower and its Subsidiaries as of such date and for such periods.

     (e) Since the date of the Audited Financial Statements, there has been no
event or circumstance that has had or could reasonably be expected to have a
Material Adverse Effect (determined, during the period prior to the Closing
Date, as provided in Section 5.01(d)).

     (f) Since the date of the Audited Financial Statements, no Internal Control
Event has occurred that could reasonably be expected to have a Material Adverse
Effect.

6.06 Litigation.

     There are no actions, suits, proceedings, claims or disputes pending or, to
the knowledge of the Loan Parties after due and diligent investigation,
threatened or contemplated, at law, in equity, in arbitration or before any
Governmental Authority, by or against the Borrower or any of its Subsidiaries or
against any of their properties or revenues that (a) purport to affect or
pertain to this Agreement or any other Loan Document, or any of the transactions
contemplated hereby or (b) could reasonably be expected to have a Material
Adverse Effect.

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6.07 No Default.

     (a) Neither the Borrower nor any Subsidiary is in default under or with
respect to any Contractual Obligation that could reasonably be expected to have
a Material Adverse Effect.

     (b) No Default has occurred and is continuing.

6.08 Ownership of Property; Liens.

     Each of the Borrower and its Subsidiaries has good record and marketable
title in fee simple to, or valid leasehold interests in, all real property
necessary or used in the ordinary conduct of its business, except for such
defects in title as could not, individually or in the aggregate, reasonably be
expected to have a Material Adverse Effect. The property of the Borrower and its
Subsidiaries is subject to no Liens, other than Permitted Liens.

6.09 Environmental Compliance.

     Except as could not reasonably be expected to have a Material Adverse
Effect:

          (a) Each of the Facilities and all operations at the Facilities are in
     compliance with all applicable Environmental Laws, and there is no
     violation of any Environmental Law with respect to the Facilities or the
     Businesses, and there are no conditions relating to the Facilities or the
     Businesses that could give rise to liability under any applicable
     Environmental Laws.

          (b) None of the Facilities contains, or has previously contained, any
     Hazardous Materials at, on or under the Facilities in amounts or
     concentrations that constitute or constituted a violation of, or could give
     rise to liability under, Environmental Laws.

          (c) Neither the Borrower nor any Subsidiary has received any written
     or verbal notice of, or inquiry from any Governmental Authority regarding,
     any violation, alleged violation, non-compliance, liability or potential
     liability regarding environmental matters or compliance with Environmental
     Laws with regard to any of the Facilities or the Businesses, nor does any
     Responsible Officer of any Loan Party have knowledge or reason to believe
     that any such notice will be received or is being threatened.

          (d) Hazardous Materials have not been transported or disposed of from
     the Facilities, or generated, treated, stored or disposed of at, on or
     under any of the Facilities or any other location, in each case by or on
     behalf the Borrower or any Subsidiary in violation of, or in a manner that
     would be reasonably likely to give rise to liability under, any applicable
     Environmental Law.

          (e) No judicial proceeding or governmental or administrative action is
     pending or, to the knowledge of the Responsible Officers of the Loan
     Parties, threatened, under any Environmental Law to which the Borrower or
     any Subsidiary is or will be named as a party, nor are there any consent
     decrees or other decrees, consent orders, administrative orders or other
     orders, or other administrative or judicial requirements outstanding under
     any Environmental Law with respect to the Borrower, any Subsidiary, the
     Facilities or the Businesses.

          (f) There has been no release or, threat of release of Hazardous
     Materials at or from the Facilities, or arising from or related to the
     operations (including, without limitation, disposal) of the Borrower or any
     Subsidiary in connection with the Facilities or otherwise in connection
     with the

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     Businesses, in violation of or in amounts or in a manner that could give
     rise to liability under Environmental Laws.

6.10 Insurance.

     The properties of the Borrower and its Subsidiaries are insured with
financially sound and reputable insurance companies not Affiliates of the
Borrower, in such amounts, with such deductibles and self-insurance retention
levels and covering such risks as are customarily carried by companies engaged
in similar businesses and owning similar properties in localities where the
Borrower or the applicable Subsidiary operates. The insurance coverage of the
Loan Parties as in effect on the Closing Date is outlined as to carrier, policy
number, expiration date, type, amount and deductibles on Schedule 6.10.

6.11 Taxes.

     The Borrower and its Subsidiaries have filed all federal, state and other
material tax returns and reports required to be filed, and have paid all
federal, state and other material taxes, assessments, fees and other
governmental charges levied or imposed upon them or their properties, income or
assets otherwise due and payable, except those which are being contested in good
faith by appropriate proceedings diligently conducted and for which adequate
reserves have been provided in accordance with GAAP. There is no proposed tax
assessment against the Borrower or any Subsidiary that would, if made, have a
Material Adverse Effect.

6.12 ERISA Compliance.

     (a) Each Plan is in compliance with the applicable provisions of ERISA, the
Internal Revenue Code and other federal or state Laws, except where the failure
so to comply could not reasonably be expected to have a Material Adverse Effect.
Each Plan that is intended to qualify under Section 401(a) of the Internal
Revenue Code has received a favorable determination letter from the IRS or an
application for such a letter is currently being processed by the IRS with
respect thereto and, to the best knowledge of the Loan Parties, nothing has
occurred which would prevent, or cause the loss of, such qualification, except
where the failure so to qualify could not reasonably be expected to have a
Material Adverse Effect. Each Loan Party and each ERISA Affiliate have made all
required contributions to each Plan subject to Section 412 of the Internal
Revenue Code, and no application for a funding waiver or an extension of any
amortization period pursuant to Section 412 of the Internal Revenue Code has
been made with respect to any Plan.

     (b) There are no pending or, to the best knowledge of the Loan Parties,
threatened claims, actions or lawsuits, or action by any Governmental Authority,
with respect to any Plan that could be reasonably be expected to have a Material
Adverse Effect. There has been no prohibited transaction or violation of the
fiduciary responsibility rules with respect to any Plan that has resulted or
could reasonably be expected to result in a Material Adverse Effect.

     (c) (i) No ERISA Event has occurred or is reasonably expected to occur;
(ii) no Pension Plan has any Unfunded Pension Liability; (iii) no Loan Party nor
any ERISA Affiliate has incurred, or reasonably expects to incur, any liability
under Title IV of ERISA with respect to any Pension Plan (other than premiums
due and not delinquent under Section 4007 of ERISA); (iv) no Loan Party nor any
ERISA Affiliate has incurred, or reasonably expects to incur, any liability (and
no event has occurred which, with the giving of notice under Section 4219 of
ERISA, would result in such liability) under Sections 4201 or 4243 of ERISA with
respect to a Multiemployer Plan; and (v) no Loan Party nor any ERISA Affiliate
has engaged in a transaction that could be subject to Sections 4069 or 4212(c)
of ERISA, in each case which could reasonably be expected to have a Material
Adverse Effect.

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6.13 Subsidiaries.

     Set forth on Schedule 6.13 is a complete and accurate list as of the
Closing Date of each Subsidiary, together with (i) jurisdiction of formation,
(ii) number of shares of each class of Capital Stock outstanding, (iii) number
and percentage of outstanding shares of each class owned (directly or
indirectly) by the Borrower or any Subsidiary and (iv) number and effect, if
exercised, of all outstanding options, warrants, rights of conversion or
purchase and all other similar rights with respect thereto. The outstanding
Capital Stock of each Subsidiary is validly issued, fully paid and
non-assessable.

6.14 Margin Regulations; Investment Company Act; Public Utility Holding Company
Act.

     (a) The Borrower is not engaged and will not engage, principally or as one
of its important activities, in the business of purchasing or carrying margin
stock (within the meaning of Regulation U issued by the FRB), or extending
credit for the purpose of purchasing or carrying margin stock. Following the
application of the proceeds of each Borrowing or drawing under each Letter of
Credit, not more than 25% of the value of the assets (either of the Borrower
only or of the Borrower and its Subsidiaries on a consolidated basis) subject to
the provisions of Section 8.01 or Section 8.05 or subject to any restriction
contained in any agreement or instrument between the Borrower and any Lender or
any Affiliate of any Lender relating to Indebtedness and within the scope of
Section 9.01(e) will be margin stock.

     (b) None of the Borrower, any Person Controlling the Borrower, or any
Subsidiary (i) is a "holding company," or a "subsidiary company" of a "holding
company," or an "affiliate" of a "holding company" or of a "subsidiary company"
of a "holding company," within the meaning of the Public Utility Holding Company
Act of 1935, or (ii) is or is required to be registered as an "investment
company" under the Investment Company Act of 1940.

6.15 Disclosure.

     Each Loan Party has disclosed to the Administrative Agent and the Lenders
all agreements, instruments and corporate or other restrictions to which it or
any of its Subsidiaries is subject, and all other matters known to it as of the
Closing Date, that, individually or in the aggregate, could reasonably be
expected to result in a Material Adverse Effect. No report, financial statement,
certificate or other information furnished (whether in writing or orally) by or
on behalf of any Loan Party to the Administrative Agent or any Lender in
connection with the transactions contemplated hereby and the negotiation of this
Agreement or delivered hereunder (as modified or supplemented by other
information so furnished) contains any material misstatement of fact or omits to
state any material fact necessary to make the statements therein, in the light
of the circumstances under which they were made, not misleading; provided that,
with respect to projected financial information, the Loan Parties represent only
that such information was prepared in good faith based upon assumptions believed
to be reasonable at the time (it being acknowledged that such projected
financial information is subject to significant uncertainties and contingencies,
many of which are beyond the control of the Borrower and its Subsidiaries, and
that no assurance can be given that such projections will be realized).

6.16 Compliance with Laws.

     Each of the Borrower and each Subsidiary is in compliance with the
requirements of all Laws and all orders, writs, injunctions and decrees
applicable to it or to its properties, except in such instances in which (a)
such requirement of Law or order, writ, injunction or decree is being contested
in good faith by

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appropriate proceedings diligently conducted or (b) the failure to comply
therewith could not reasonably be expected to have a Material Adverse Effect.

6.17 Intellectual Property; Licenses, Etc.

     The Borrower and its Subsidiaries own, or possess the legal right to use,
all of the trademarks, service marks, trade names, copyrights, patents, patent
rights, franchises, licenses and other intellectual property rights
(collectively, "IP Rights") that are reasonably necessary for the operation of
their respective businesses, except where the failure so to own or possess the
legal right to use such IP Rights could not reasonably be expected to have a
Material Adverse Effect. Set forth on Schedule 6.17 is a list of all IP Rights
registered or pending registration with the United States Copyright Office or
the United States Patent and Trademark Office and owned by each Loan Party as of
the Closing Date. Except for such claims and infringements that could not
reasonably be expected to have a Material Adverse Effect, no claim has been
asserted and is pending by any Person challenging or questioning the use of any
IP Rights or the validity or effectiveness of any IP Rights, nor does any Loan
Party know of any such claim, and, to the knowledge of the Responsible Officers
of the Loan Parties, the use of any IP Rights by the Borrower or any Subsidiary
or the granting of a right or a license in respect of any IP Rights from the
Borrower or any Subsidiary does not infringe on the rights of any Person. As of
the Closing Date, none of the IP Rights owned by any of the Loan Parties is
subject to any licensing agreement or similar arrangement except as set forth on
Schedule 6.17 and licensing agreements or similar arrangements entered into with
customers in the ordinary course of business.

6.18 Solvency.

     The Loan Parties are Solvent on a consolidated basis.

6.19 Perfection of Security Interests in the Collateral.

     The Collateral Documents create valid security interests in, and Liens on,
the Collateral purported to be covered thereby, which security interests and
Liens are, except as otherwise provided herein or in such Collateral Documents,
currently perfected security interests and Liens, prior to all other Liens other
than Permitted Liens.

6.20 Business Locations.

     Set forth on Schedule 6.20(a) is a list of all real property located in the
United States that is owned or leased by the Loan Parties as of the Closing
Date. Set forth on Schedule 6.20(b) is a list of all locations where any
tangible personal property of any Loan Party in excess of $500,000 is located as
of the Closing Date. Set forth on Schedule 6.20(c) is the chief executive
office, tax payer identification number and organizational identification number
of each Loan Party as of the Closing Date. The exact legal name and state of
organization of each Loan Party is as set forth on the signature pages hereto.

6.21 Labor Matters.

     There are no collective bargaining agreements or Multiemployer Plans
covering the employees of the Borrower or any Subsidiary as of the Closing Date.
Neither the Borrower nor any Subsidiary has suffered any strikes, walkouts, work
stoppages or other material labor difficulty that could reasonably be expected
to have a Material Adverse Effect.

6.22 Subordination.

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     The subordination provisions contained in the Convertible Subordinated
Debentures Documents are enforceable against the Borrower, the Guarantors and
the holders of the Convertible Subordinated Debentures, and all Obligations
hereunder and under the other Loan Documents are within the definitions of
"Senior Indebtedness" and "Designated Senior Indebtedness" included in such
subordination provisions. There exists no Designated Senior Indebtedness for
purposes of, and as defined in, the Indenture (other than the Obligations).

                                   ARTICLE VII

                              AFFIRMATIVE COVENANTS

     So long as any Lender shall have any Commitment hereunder, any Loan or
other Obligation hereunder shall remain unpaid or unsatisfied, or any Letter of
Credit shall remain outstanding, the Loan Parties shall and shall cause each
Subsidiary to:

7.01 Financial Statements.

     Deliver to the Administrative Agent (who will make available to the
Lenders) the following:

          (a) upon the earlier of the date that is ninety days after the end of
     each fiscal year of the Borrower or within three (3) Business Days after
     the date such information is filed with the SEC, a consolidated balance
     sheet of the Borrower and its Subsidiaries as at the end of such fiscal
     year, and the related consolidated statements of income or operations,
     shareholders' equity and cash flows for such fiscal year, setting forth in
     each case in comparative form the figures for the previous fiscal year, all
     in reasonable detail and prepared in accordance with GAAP, audited and
     accompanied by (i) a report and opinion of Ernst & Young LLP or another
     independent certified public accountant of nationally recognized standing,
     which report and opinion shall be prepared in accordance with generally
     accepted auditing standards and shall not be subject to any "going concern"
     or like qualification or exception or any qualification or exception as to
     the scope of such audit; provided, however, that the delivery of the
     consolidated financial statements of the Borrower and its Subsidiaries on
     Form 10K shall satisfy the terms of this Section 7.01(a)(i); and (ii) to
     the extent filed with the SEC, a copy of the attestation report filed with
     the SEC of such independent certified public accountant of nationally
     recognized standing as to the Borrower's internal controls pursuant to
     Section 404 of Sarbanes-Oxley;

          (b) upon the earlier of the date that is forty-five days after the end
     of each of the first three fiscal quarters of each fiscal year of the
     Borrower or within three (3) days after the date such information is filed
     with the SEC, a consolidated balance sheet of the Borrower and its
     Subsidiaries as at the end of such fiscal quarter, and the related
     consolidated statements of income or operations, shareholders' equity and
     cash flows for such fiscal quarter and for the portion of the Borrower's
     fiscal year then ended, setting forth in each case in comparative form the
     figures for the corresponding fiscal quarter of the previous fiscal year
     and the corresponding portion of the previous fiscal year, all in
     reasonable detail and certified by a Responsible Officer of the Borrower as
     fairly presenting in all material respects the financial condition, results
     of operations, shareholders' equity and cash flows of the Borrower and its
     Subsidiaries in accordance with GAAP, subject only to normal year-end audit
     adjustments and the absence of footnotes; provided, however, that the
     delivery of the consolidated financial statements of the Borrower and its
     Subsidiaries on Form 10Q shall satisfy the terms of this Section 7.01(b);
     and

          (c) (i) as soon as available, but in any event within ninety days
     after the end of each fiscal year of the Borrower, a Consolidating balance
     sheet of the Borrower and its Subsidiaries as

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     at the end of such fiscal year, and the related Consolidating statements of
     income or operations and cash flows for such fiscal year, setting forth in
     each case in comparative form the figures for the previous fiscal year,
     certified by a Responsible Officer of the Borrower as fairly presenting the
     financial condition, results of operations and cash flows of the Borrower
     and its Subsidiaries in accordance with GAAP and (ii) as soon as available,
     but in any event within forty-five days after the end of the first three
     fiscal quarters of each fiscal year of the Borrower, a Consolidating
     balance sheet of the Borrower and its Subsidiaries as at the end of such
     fiscal quarter, and the related Consolidating statements of income or
     operations and cash flows for such fiscal quarter and for the portion of
     the Borrower's fiscal year then ended, setting forth in each case in
     comparative form the figures for the corresponding fiscal quarter of the
     previous fiscal year and the corresponding portion of the previous fiscal
     year, certified by a Responsible Officer of the Borrower as fairly
     presenting in all material respects the financial condition, results of
     operations and cash flows of the Borrower and its Subsidiaries in
     accordance with GAAP, subject only to normal year-end audit adjustments and
     the absence of footnotes.

     As to any information contained in materials furnished pursuant to Section
     7.02(d), the Borrower shall not be separately required to furnish such
     information under clause (a), (b) or (c) above, but the foregoing shall not
     be in derogation of the obligation of the Borrower to furnish the
     information and materials described in subsections (a), (b) and (c) above
     at the times specified therein.

7.02 Certificates; Other Information.

     Deliver to the Administrative Agent (who will make available to the
Lenders) the following:

          (a) concurrently with the delivery of the financial statements
     referred to in Section 7.01(a), a written statement from its independent
     certified public accountants certifying such financial statements and
     stating that in making the examination necessary therefor no knowledge was
     obtained of any Event of Default under Section 8.03, 8.06 or 8.11 or, if
     any such Event of Default shall exist, stating the nature and status of
     such event (it being understood that such examination will have extended
     only to financial matters, and that the foregoing requirement is subject to
     applicable professional standards or practices that preclude accountants
     from furnishing such written statement);

          (b) concurrently with the delivery of the financial statements
     referred to in Sections 7.01(a) and (b), a duly completed Compliance
     Certificate signed by a Responsible Officer of the Borrower;

          (c) as soon as available but not later than 60 days after the end of
     each fiscal year of the Borrower, beginning with the fiscal year ending
     December 31, 2005, an annual business plan and budget of the Borrower and
     its Subsidiaries containing, among other things, pro forma financial
     statements for each quarter of the next fiscal year, in form and detail
     reasonably acceptable to the Administrative Agent;

          (d) concurrently with the delivery of the financial statements
     referred to in Sections 7.01(a) and (b), a certificate of a Responsible
     Officer of the Borrower containing information regarding the amount of all
     Dispositions and Involuntary Dispositions that individually or in a series
     of related transactions or events exceed $100,000, and all Debt Issuances,
     Equity Issuances and Acquisitions that occurred during the period covered
     by such financial statements, in form and detail reasonably acceptable to
     the Administrative Agent;

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          (e) promptly after any request by the Administrative Agent or any
     Lender, copies of any detailed audit reports, management letters or
     recommendations submitted to the board of directors (or the audit committee
     of the board of directors) of the Borrower by independent accountants in
     connection with the accounts or books of the Borrower or any Subsidiary, or
     any audit of any of them;

          (f) promptly after the same are available and after any request by the
     Administrative Agent or any Lender, copies of each financial statement or
     other report or communication sent to a holder of any Indebtedness owed by
     the Borrower or any Subsidiary in its capacity as such a holder and not
     otherwise required to be delivered to the Administrative Agent pursuant
     hereto;

          (g) promptly, such additional information regarding the business,
     financial or corporate affairs of the Borrower or any Subsidiary, or
     compliance with the terms of the Loan Documents, as the Administrative
     Agent or any Lender may from time to time reasonably request unless such
     information is (i) protected by attorney-client privilege or disclosure of
     which would waive such privilege, or (ii) subject to privacy or
     confidentiality requirements under applicable law; and

          (h) concurrently with the delivery of the financial statements
     referred to in Sections 7.01(a) and (b), a certificate of a Responsible
     Officer of the Borrower (i) listing (A) all applications, if any, for
     Copyrights, Patents or Trademarks (each such term as defined in the
     Security Agreement) made since the date of the prior certificate (or, in
     the case of the first such certificate, the Closing Date), (B) all
     issuances of registrations or letters on existing applications for
     Copyrights, Patents and Trademarks (each such term as defined in the
     Security Agreement) received since the date of the prior certificate (or,
     in the case of the first such certificate, the Closing Date), and (C) all
     Trademark Licenses, Copyright Licenses and Patent Licenses (each such term
     as defined in the Security Agreement) entered into since the date of the
     prior certificate (or, in the case of the first such certificate, the
     Closing Date), and (ii) attaching the insurance binder or other evidence of
     insurance for any insurance coverage of the Borrower or any Subsidiary that
     was renewed, replaced or modified during the period covered by such
     financial statements.

     Documents required to be delivered pursuant to Section 7.01(a), (b) or (c)
or Section 7.02(d) (to the extent any such documents are included in materials
otherwise filed with the SEC) may be delivered electronically and if so
delivered, shall be deemed to have been delivered on the date (i) on which the
Borrower posts such documents, or provides a link thereto on the Borrower's
website on the Internet at the website address listed on Schedule 11.02; or (ii)
on which such documents are posted on the Borrower's behalf on
IntraLinks/IntraAgency or another relevant website, if any, to which each Lender
and the Administrative Agent have access (whether a commercial, third-party
website or whether sponsored by the Administrative Agent); provided that: (i)
the Borrower shall deliver paper copies of such documents to the Administrative
Agent or any Lender that requests the Borrower to deliver such paper copies
until a written request to cease delivering paper copies is given by the
Administrative Agent or such Lender and (ii) the Borrower shall notify (which
may be by facsimile or electronic mail) the Administrative Agent and each Lender
of the posting of any such documents and provide to the Administrative Agent by
electronic mail electronic versions (i.e., soft copies) of such documents.
Notwithstanding anything contained herein, in every instance the Borrower shall
be required to provide paper copies of the Compliance Certificates required by
Section 7.02(b) to the Administrative Agent and each of the Lenders. Except for
such Compliance Certificates, the Administrative Agent shall have no obligation
to request the delivery or to maintain copies of the documents referred to
above, and in any event shall have no responsibility to monitor compliance by
the Borrower with any such request for delivery, and each Lender shall be solely
responsible for requesting delivery to it or maintaining its copies of such
documents.

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     The Borrower hereby acknowledges that (a) the Administrative Agent and/or
BAS will make available to the Lenders and the L/C Issuer materials and/or
information provided by or on behalf of the Borrower hereunder (collectively,
"Borrower Materials") by posting the Borrower Materials on IntraLinks or another
similar electronic system (the "Platform") and (b) certain of the Lenders may be
"public-side" Lenders (i.e., Lenders that do not wish to receive material
non-public information with respect to the Borrower or its securities) (each, a
"Public Lender"). The Borrower hereby agrees that (w) all Borrower Materials
that are to be made available to Public Lenders shall be clearly and
conspicuously marked "PUBLIC" which, at a minimum, shall mean that the word
"PUBLIC" shall appear prominently on the first page thereof; (x) by marking
Borrower Materials "PUBLIC," the Borrower shall be deemed to have authorized the
Administrative Agent, BAS, the L/C Issuer and the Lenders to treat such Borrower
Materials as not containing any material non-public information with respect to
the Borrower or its securities for purposes of United States Federal and state
securities laws (provided, however, that to the extent such Borrower Materials
constitute Information, they shall be treated as set forth in Section 11.07);
(y) all Borrower Materials marked "PUBLIC" are permitted to be made available
through a portion of the Platform designated "Public Investor;" and (z) the
Administrative Agent and BAS shall be entitled to treat any Borrower Materials
that are not marked "PUBLIC" as being suitable only for posting on a portion of
the Platform not designated "Public Investor."

7.03 Notices.

     (a) Promptly notify the Administrative Agent of the occurrence of any
Default.

     (b) Promptly notify the Administrative Agent of any matter that has
resulted or could reasonably be expected to result in a Material Adverse Effect,
including (i) breach or non-performance of, or any default under, a Contractual
Obligation of the Borrower or any Subsidiary; (ii) any dispute, litigation,
investigation, proceeding or suspension between the Borrower or any Subsidiary
and any Governmental Authority; or (iii) the commencement of, or any material
development in, any litigation or proceeding affecting the Borrower or any
Subsidiary, including pursuant to any applicable Environmental Laws.

     (c) Promptly notify the Administrative Agent and each Lender of the
occurrence of any ERISA Event that could reasonably be expected to have a
Material Adverse Effect.

     (d) Promptly notify the Administrative Agent of (i) any material change in
accounting policies or financial reporting practices by the Borrower or any
Subsidiary or (ii) the occurrence of any Internal Control Event.

     (e) Promptly notify the Administrative Agent of any announcement by Moody's
or S&P of any change in or status of the Debt Rating.

     (f) Upon the reasonable written request of the Administrative Agent
following the occurrence of any event or the discovery of any condition which
the Administrative Agent or the Required Lenders reasonably believe has caused
(or could be reasonably expected to cause) the representations and warranties
set forth in Section 6.09 to be untrue in any material respect, the Loan Parties
will furnish or cause to be furnished to the Administrative Agent, at the Loan
Parties' expense, a report of an environmental assessment of reasonable scope,
form and depth, (including, where appropriate, invasive soil or groundwater
sampling) by a consultant reasonably acceptable to the Administrative Agent as
to the nature and extent of such event or condition and as to the compliance by
the Borrower or any of its Subsidiaries with Environmental Laws at such Real
Properties owned by the Borrower or any of its Subsidiaries. If the Loan Parties
fail to deliver such an environmental report within ninety (90) days after
receipt of such written request then the Administrative

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Agent may arrange for same, and the Loan Parties hereby grant to the
Administrative Agent and its representatives access to such Real Properties to
reasonably undertake such an assessment (including, where appropriate, invasive
soil or groundwater sampling). The reasonable cost of any assessment arranged
for by the Administrative Agent pursuant to this provision will be payable by
the Loan Parties on demand and added to the obligations secured by the
Collateral Documents.

     Each notice pursuant to this Section 7.03(a) through (e) shall be
accompanied by a statement of a Responsible Officer of the Borrower setting
forth details of the occurrence referred to therein and stating what action the
Borrower has taken and proposes to take with respect thereto. Each notice
pursuant to Section 7.03(a) shall describe with particularity any and all
provisions of this Agreement and any other Loan Document that have been
breached.

7.04 Payment of Obligations.

     Pay and discharge as the same shall become due and payable, all its
obligations and liabilities, including (a) all material tax liabilities,
assessments and governmental charges or levies upon it or its properties or
assets, unless the same are being contested in good faith by appropriate
proceedings diligently conducted and adequate reserves in accordance with GAAP
are being maintained by the Borrower or such Subsidiary; (b) all lawful claims
which, if unpaid, would by law become a Lien (other than a Permitted Lien) upon
its property, except for those claims that the Borrower or such Subsidiary is
contesting in good faith and by appropriate proceedings diligently conducted and
adequate reserves in accordance with GAAP are being maintained; and (c) all
Indebtedness, as and when due and payable, but subject to any subordination
provisions contained in any instrument or agreement evidencing such
Indebtedness.

7.05 Preservation of Existence, Etc.

     (a) (i) Preserve, renew and maintain in full force and effect its legal
existence under the Laws of the jurisdiction of its organization except in a
transaction permitted by Section 8.04 or 8.05 and (ii) maintain in full force
and effect its good standing under the Laws of the jurisdiction of its
organization except in a transaction permitted by Section 8.04 or 8.05 or except
to the extent that the failure to do so could not reasonably be expected to have
a Material Adverse Effect.

     (b) Take all reasonable action to maintain all rights, privileges, permits,
licenses and franchises necessary or desirable in the normal conduct of its
business, except to the extent that the failure to do so could not reasonably be
expected to have a Material Adverse Effect.

     (c) Preserve or renew all of its material registered patents, trademarks,
trade names and service marks, the non-preservation of which could reasonably be
expected to have a Material Adverse Effect.

7.06 Maintenance of Properties.

     (a) Maintain, preserve and protect all of its material properties and
equipment necessary in the operation of its business in good working order and
condition, ordinary wear and tear excepted.

     (b) Make all necessary repairs thereto and renewals and replacements
thereof, except where the failure to do so could not reasonably be expected to
have a Material Adverse Effect.

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7.07 Maintenance of Insurance.

     Maintain in full force and effect insurance (including worker's
compensation insurance, liability insurance, casualty insurance and business
interruption insurance) with financially sound and reputable insurance companies
not Affiliates of the Borrower, in such amounts, with such deductibles and
self-insurance retention levels and covering such risks as are customarily
carried by companies engaged in similar businesses and owning similar properties
in localities where the Borrower or the applicable Subsidiary operates. The
Administrative Agent shall be named as loss payee or mortgagee, as its interest
may appear, and/or additional insured with respect to any such insurance
providing coverage in respect of any Collateral, and each provider of any such
insurance shall agree, by endorsement upon the policy or policies issued by it
or by independent instruments furnished to the Administrative Agent, that it
will give the Administrative Agent thirty (30) days (or such shorter period as
the Administrative Agent may approve) prior written notice before any such
policy or policies shall be altered in any material respect or canceled.

7.08 Compliance with Laws.

     Comply with the requirements of all Laws and all orders, writs, injunctions
and decrees applicable to it or to its business or property, except in such
instances in which (a) such requirement of Law or order, writ, injunction or
decree is being contested in good faith by appropriate proceedings diligently
conducted; or (b) the failure to comply therewith could not reasonably be
expected to have a Material Adverse Effect.

7.09 Books and Records.

     (a) Maintain proper books of record and account, in which full, true and
correct entries in conformity with GAAP consistently applied shall be made of
all financial transactions and matters involving the assets and business of the
Borrower or such Subsidiary, as the case may be.

     (b) Maintain such books of record and account in material conformity with
all applicable requirements of any Governmental Authority having regulatory
jurisdiction over the Borrower or such Subsidiary, as the case may be.

7.10 Inspection Rights.

     (a) Permit representatives and independent contractors of the
Administrative Agent and each Lender to visit and inspect any of its properties,
to examine its corporate, financial and operating records, and make copies
thereof or abstracts therefrom, and to discuss its affairs, finances and
accounts with its directors, officers, and independent public accountants, all
at the expense of the Borrower and at such reasonable times during normal
business hours and as often as may be reasonably desired, upon reasonable
advance notice to the Borrower; provided, however, that when an Event of Default
exists the Administrative Agent or any Lender (or any of their respective
representatives or independent contractors) may do any of the foregoing at the
expense of the Borrower at any time during normal business hours and without
advance notice.

     (b) Upon the occurrence and during the continuation of an Event of Default,
if requested by the Administrative Agent in its sole discretion, permit the
Administrative Agent, and its representatives, upon reasonable advance notice to
the Borrower, to conduct an annual audit of the Collateral at the expense of the
Borrower.

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     (c) Upon the occurrence and during the continuation of an Event of Default,
if requested by the Administrative Agent in its sole discretion, promptly
deliver to the Administrative Agent (a) asset appraisal reports with respect to
all of the real and personal property owned by the Borrower and its
Subsidiaries, and (b) a written audit of the accounts receivable, inventory,
payables, controls and systems of the Borrower and its Subsidiaries.

     (d) Notwithstanding the foregoing, the parties acknowledge and agree that
the provisions of this Section 7.10 shall not be deemed to require that the
Borrower or any Subsidiary disclose or provide access to any documents, records,
or other information to the extent such action would constitute a breach or
violation of any applicable federal or state privacy or confidentiality laws or
regulations or result in disclosure of records, documents or information subject
to attorney-client privilege.

7.11 Use of Proceeds.

     Use the proceeds of the Credit Extensions (a) to finance working capital,
capital expenditures, Permitted Acquisitions and other Permitted Investments,
and other lawful corporate purposes, (b) to refinance existing indebtedness, (c)
to finance, in part, the NDC Acquisition and any costs and expenses related
thereto, and (d) to repurchase or discharge the NDC Subordinated Notes, provided
that in no event shall the proceeds of the Credit Extensions be used in
contravention of any Law or of any Loan Document.

7.12 Additional Subsidiaries.

     (a) Within thirty (30) days after the acquisition or formation of any
Subsidiary, notify the Administrative Agent thereof in writing, together with
the (i) jurisdiction of formation, (ii) number of shares of each class of
Capital Stock outstanding, (iii) number and percentage of outstanding shares of
each class owned (directly or indirectly) by the Borrower or any Subsidiary and
(iv) number and effect, if exercised, of all outstanding options, warrants,
rights of conversion or purchase and all other similar rights with respect
thereto.

     (b) Within thirty (30) days (or such longer period as the Administrative
Agent may agree) after (i) the acquisition or formation of any Domestic
Subsidiary that is both a Wholly-Owned Subsidiary and a Material Subsidiary or
(ii) the date on which any Domestic Subsidiary that is a Wholly-Owned Subsidiary
becomes a Material Subsidiary, cause such Person to (A) become a Guarantor by
executing and delivering to the Administrative Agent a Joinder Agreement or such
other documents as the Administrative Agent shall deem appropriate for such
purpose, and (B) deliver to the Administrative Agent documents of the types
referred to in Sections 5.01(f) and (g) and favorable opinions of counsel to
such Person (which shall cover, among other things, the legality, validity,
binding effect and enforceability of the documentation referred to in clause
(A)), all in form, content and scope reasonably satisfactory to the
Administrative Agent.

7.13 ERISA Compliance.

     Do, and cause each of its ERISA Affiliates to do, each of the following:
(a) maintain each Plan in compliance with the applicable provisions of ERISA,
the Internal Revenue Code and other federal or state law except where the
failure to do so could not reasonably be expected to have a Material Adverse
Effect; (b) cause each Plan that is qualified under Section 401(a) of the
Internal Revenue Code to maintain such qualification except where the failure to
do so could not reasonably be expected to have a Material Adverse Effect; and
(c) make all required contributions to any Plan subject to Section 412 of the
Internal Revenue Code.

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7.14 Pledged Assets.

     Each Loan Party will (i) cause all of its owned and leased real and
personal Property other than Excluded Property or except as otherwise provided
in the Collateral Documents, to be subject at all times to first priority,
perfected and, in the case of owned or ground leased real Property, title
insured Liens in favor of the Administrative Agent to secure the Obligations
pursuant to the terms and conditions of the Collateral Documents or, with
respect to any such Property acquired subsequent to the Closing Date, such other
additional security documents as the Administrative Agent shall reasonably
request, subject in any case to Permitted Liens and (ii) deliver such other
documentation as the Administrative Agent may reasonably request in connection
with the foregoing, including, without limitation, appropriate UCC-1 financing
statements, real estate title insurance policies, surveys, environmental
reports, landlord's waivers, certified resolutions and other organizational and
authorizing documents of such Person, favorable opinions of counsel to such
Person (which shall cover, among other things, the legality, validity, binding
effect and enforceability of the documentation referred to above and the
perfection of the Administrative Agent's Liens thereunder) and other items of
the types required to be delivered pursuant to Section 5.01(g), all in form,
content and scope reasonably satisfactory to the Administrative Agent. Without
limiting the generality of the above, the Loan Parties will cause (a) 100% (or,
if less, the full amount owned by such Loan Parties) of the issued and
outstanding Capital Stock of each Domestic Subsidiary (except as provided in
Section 8.09(b)(v) in respect of any Non-Guarantor Subsidiary) and (b) 65% (or
such greater percentage that, due to a change in an applicable Law after the
date hereof, (1) could not reasonably be expected to cause the undistributed
earnings of such Foreign Subsidiary as determined for United States federal
income tax purposes to be treated as a deemed dividend to such Foreign
Subsidiary's United States parent and (2) could not reasonably be expected to
cause any material adverse tax consequences) of the issued and outstanding
Capital Stock entitled to vote (within the meaning of Treas. Reg. Section
1.956-2(c)(2)) and 100% of the issued and outstanding Capital Stock not entitled
to vote (within the meaning of Treas. Reg. Section 1.956-2(c)(2)) in each
Foreign Subsidiary (other than an Immaterial Foreign Subsidiary) directly owned
by the Borrower or any Domestic Subsidiary to be subject at all times to a first
priority, perfected Lien in favor of the Administrative Agent pursuant to the
terms and conditions of the Collateral Documents or such other security
documents as the Administrative Agent shall reasonably request.

7.15 Refinance of Convertible Subordinated Debentures.

     On or before December 31, 2008, the Borrower will provide to the
Administrative Agent evidence of, and thereafter maintain, through and including
June 30, 2009 (a) committed financing reasonably satisfactory to the
Administrative Agent and/or (b) available cash, Cash Equivalents or other
sources of liquidity reasonably satisfactory to the Administrative Agent
sufficient, in any case, to pay all amounts that would come due in respect of
the exercise by holders of the Convertible Subordinated Debentures of their
respective rights to require the repurchase or redemption of such Convertible
Subordinated Debentures on June 30, 2009.

7.16 Debt Rating.

     Maintain a Debt Rating from both S&P and Moody's (so long as such rating
agencies continue to publish such ratings).

7.17 Post-Closing Deliverables.

     (a) The Loan Parties shall use commercially reasonable efforts to obtain
landlord lien waivers, in form and substance reasonably satisfactory to the
Administrative Agent, for each location identified on Schedule 7.17.

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     (b) The Loan Parties shall use commercially reasonable efforts to obtain a
collateral assignment of lease, in form and substance reasonably satisfactory to
the Administrative Agent, for each lease of the Data Centers.

                                  ARTICLE VIII

                               NEGATIVE COVENANTS

     So long as any Lender shall have any Commitment hereunder, any Loan or
other Obligation hereunder shall remain unpaid or unsatisfied, or any Letter of
Credit shall remain outstanding, no Loan Party shall, nor shall it permit any
Subsidiary to, directly or indirectly:

8.01 Liens.

     Create, incur, assume or suffer to exist any Lien upon any of its property,
assets or revenues, whether now owned or hereafter acquired, other than the
following:

          (a) Liens pursuant to any Loan Document;

          (b) Liens existing on the date hereof and listed on Schedule 8.01 and
     any renewals or extensions thereof, provided that the property covered
     thereby is not increased and any renewal or extension of the obligations
     secured or benefited thereby is permitted by Section 8.03(b);

          (c) Liens (other than Liens imposed under ERISA) for taxes,
     assessments or governmental charges or levies not yet due or which are
     being contested in good faith and by appropriate proceedings diligently
     conducted, if adequate reserves with respect thereto are maintained on the
     books of the applicable Person in accordance with GAAP;

          (d) statutory Liens of landlords and Liens of carriers, warehousemen,
     mechanics, materialmen and suppliers and other Liens imposed by law or
     pursuant to customary reservations or retentions of title arising in the
     ordinary course of business, provided that such Liens secure only amounts
     not yet due and payable or, if due and payable, are unfiled and no other
     action has been taken to enforce the same or are being contested in good
     faith by appropriate proceedings for which adequate reserves determined in
     accordance with GAAP have been established;

          (e) pledges or deposits in the ordinary course of business in
     connection with workers' compensation, unemployment insurance and other
     social security legislation, other than any Lien imposed by ERISA;

          (f) deposits to secure the performance of bids, trade contracts and
     leases (other than Indebtedness), statutory obligations, surety bonds
     (other than bonds related to judgments or litigation), performance bonds
     and other obligations of a like nature incurred in the ordinary course of
     business;

          (g) easements, rights-of-way, restrictions and other similar
     encumbrances affecting real property which, in the aggregate, are not
     substantial in amount, and which do not in any case materially detract from
     the value of the property subject thereto or materially interfere with the
     ordinary conduct of the business of the applicable Person;

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          (h) Liens securing judgments for the payment of money (or appeal or
     other surety bonds relating to such judgments) unless any such judgment
     otherwise constitutes an Event of Default hereunder;

          (i) Liens securing Indebtedness permitted under Section 8.03(e);
     provided that (i) such Liens do not at any time encumber any Property other
     than the Property financed by such Indebtedness, (ii) the Indebtedness
     secured thereby does not exceed the cost or fair market value, whichever is
     lower, of the Property being acquired or constructed on the date of
     acquisition or completion of construction and (iii) such Liens attach to
     such Property not later than ninety days after the acquisition or
     completion of construction thereof;

          (j) leases or subleases granted to others not interfering in any
     material respect with the business of the Borrower or any of its
     Subsidiaries;

          (k) any interest of title of a lessor under, and Liens arising from
     UCC financing statements (or equivalent filings, registrations or
     agreements in foreign jurisdictions) relating to, leases permitted by this
     Agreement;

          (l) Liens deemed to exist in connection with Investments in repurchase
     agreements permitted under Section 8.02;

          (m) normal and customary rights of setoff upon deposits of cash in
     favor of banks or other depository institutions;

          (n) Liens of a collection bank arising under Section 4-210 of the
     Uniform Commercial Code on items in the course of collection;

          (o) Liens of sellers of goods to the Borrower and any of its
     Subsidiaries arising under Article 2 of the Uniform Commercial Code or
     similar provisions of applicable law in the ordinary course of business,
     covering only the goods sold and securing only the unpaid purchase price
     for such goods and related expenses;

          (p) Liens securing Indebtedness permitted pursuant to Section 8.03(k),
     together with all renewals, extensions, refinancings and refundings
     permitted under such Section 8.03(k), provided that (i) such Lien exists at
     the time of the Permitted Acquisition relating to such Indebtedness and is
     not created in contemplation of or in connection with such Permitted
     Acquisition, and (ii) such Lien secures only fixed or capital assets and
     general intangibles related to such fixed or capital assets acquired (or
     fixed or capital assets and general intangibles related to such fixed or
     capital assets of Persons acquired) as part of such Permitted Acquisition;

          (q) Liens for the benefit of the seller deemed to attach solely
     because of the existence of cash deposits and attaching solely to such cash
     deposits made in connection with any letter of intent or acquisition
     agreement with respect to a Permitted Acquisition;

          (r) Liens on any insurance policy of any Loan Party covering
     directors' and officers' liability and employment practice liability only
     and the identifiable cash proceeds thereof which secures Indebtedness
     incurred for the purpose of financing such policy permitted under Section
     8.03(j); and

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<PAGE>

          (s) Liens not otherwise permitted by the foregoing clauses of this
     Section 8.01 securing obligations or other liabilities, provided that the
     aggregate outstanding amount of all such obligations and liabilities shall
     not exceed $5,000,000 at any time.

8.02 Investments.

     Make any Investments, except:

          (a) Investments held by the Borrower or such Subsidiary in the form of
     cash or Cash Equivalents;

          (b) Investments existing as of the Closing Date and set forth in
     Schedule 8.02;

          (c) Investments in any Person that is a Loan Party prior to giving
     effect to such Investment;

          (d) Investments consisting of extensions of credit in the nature of
     accounts receivable, notes receivable or payment intangibles arising from
     the grant of trade credit in the ordinary course of business, and
     Investments received in satisfaction or partial satisfaction thereof from
     financially troubled account debtors to the extent reasonably necessary in
     order to prevent or limit loss;

          (e) Guarantees permitted by Section 8.03;

          (f) Permitted Acquisitions;

          (g) Investments in Foreign Subsidiaries in an amount not to exceed
     $5,000,000 in the aggregate at any time outstanding;

          (h) Investments consisting of loans made to officers and employees (in
     addition to those set forth on Schedule 8.02) in an amount not to exceed
     $500,000 in the aggregate at any time outstanding;

          (i) Investments consisting of non-cash consideration received in
     connection with a sale of assets permitted under Section 8.05;

          (j) Investments consisting of loans or advances made in the ordinary
     course of business to customers in an amount not to exceed $10,000,000 in
     the aggregate at any time outstanding; and

          (k) Investments in Domestic Subsidiaries that are Non-Guarantor
     Subsidiaries, joint ventures, and other Investments of a nature not
     contemplated in the foregoing clauses in an aggregate amount outstanding at
     any time not to exceed an amount equal to the greater of (i) $20,000,000,
     and (ii) five percent (5%) of the total consolidated assets of the Borrower
     and its Subsidiaries at such time.

8.03 Indebtedness.

     Create, incur, assume or suffer to exist any Indebtedness, except:

          (a) Indebtedness under the Loan Documents;

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<PAGE>

          (b) Indebtedness of the Borrower and its Subsidiaries set forth in
     Schedule 8.03 (and renewals, refinancings and extensions thereof, provided
     that any such renewal, refinancing or extension is in an aggregate
     principal amount not greater than the principal amount of the Indebtedness
     being renewed, extended, or refinanced, and does not shorten the weighted
     average life to maturity of such Indebtedness;

          (c) intercompany Indebtedness permitted under Section 8.02;

          (d) obligations (contingent or otherwise) of the Borrower or any
     Subsidiary existing or arising under any Swap Contract, provided that (i)
     such obligations are (or were) entered into by such Person in the ordinary
     course of business for the purpose of directly mitigating risks associated
     with liabilities, commitments, investments, assets, or property held or
     reasonably anticipated by such Person, or changes in the value of
     securities issued by such Person, and not for purposes of speculation or
     taking a "market view;" and (ii) such Swap Contract does not contain any
     provision exonerating the non-defaulting party from its obligation to make
     payments on outstanding transactions to the defaulting party;

          (e) purchase money Indebtedness (including obligations in respect of
     Capital Leases or Synthetic Leases) hereafter incurred by the Borrower or
     any of its Subsidiaries to finance the purchase or construction of fixed
     assets and renewals, refinancings and extensions thereof, provided that (i)
     the total of all such Indebtedness for all such Persons taken together
     shall not exceed an aggregate principal amount of $10,000,000 at any one
     time outstanding; (ii) such Indebtedness when incurred shall not exceed the
     purchase price or construction costs of the asset(s) financed; and (iii) no
     such Indebtedness shall be refinanced for a principal amount in excess of
     the principal balance outstanding thereon at the time of such refinancing;

          (f) other Indebtedness in an aggregate principal amount not to exceed
     $10,000,000 at any one time outstanding (of which amount not more than
     $5,000,000 may be secured as permitted pursuant to Section 8.01(s));

          (g) Earn Out Obligations incurred in connection with any Permitted
     Acquisitions;

          (h) obligations under any Sale and Leaseback Transaction permitted
     pursuant to Section 8.15, to the extent such obligations would constitute
     Indebtedness;

          (i) Indebtedness arising under any performance or surety bond entered
     into in the ordinary course of business;

          (j) Indebtedness in an aggregate outstanding principal amount not to
     exceed $2,000,000 owing for the purpose of financing the purchase of any
     insurance policy covering directors' and officers' liability and employment
     practice liability only issued for the benefit of the Borrower or any
     Subsidiary or their respective officers and directors;

          (k) Indebtedness assumed in connection with any Permitted Acquisition,
     or acquired as part of such Permitted Acquisition, together with renewals,
     extensions, and refinancings thereof, in an aggregate outstanding principal
     amount not in excess of $25,000,000 at any time, provided that such
     Indebtedness (i) exists at the time of such Permitted Acquisition and (ii)
     is not drawn down, created or increased in contemplation of or in
     connection with such Permitted Acquisition or on or after the consummation
     thereof and does not provide any credit support therefor; and provided
     further that any renewal, extension, or refinancing thereof is an aggregate
     principal amount not greater than the principal amount of the Indebtedness
     being renewed,

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<PAGE>

     extended, or refinanced, and does not shorten the weighted average life to
     maturity of such Indebtedness;

          (l) Indebtedness of Non-Guarantor Subsidiaries for working capital
     purposes in an aggregate outstanding principal amount not to exceed
     $5,000,000;

          (m) (i) Indebtedness of the Borrower under the Convertible
     Subordinated Debentures in an aggregate principal amount not to exceed
     $125,000,000 and (ii) any Subordinated Indebtedness used to refinance,
     refund or replace, in whole or in part, such Convertible Subordinated
     Debentures, so long as no Default or Event of Default has occurred and is
     continuing prior to and after giving effect to such refinancing, refund or
     replacement;

          (n) prior to February 6, 2006, the NDC Subordinated Notes in an
     aggregate principal amount not to exceed $2,378,000, which represent those
     NDC Subordinated Notes not redeemed pursuant to the Debt Tender Offer;

          (o) unsecured Subordinated Indebtedness in an aggregate principal
     amount not to exceed $200,000,000 at any one time outstanding; provided,
     that the Net Cash Proceeds received from the issuance of any such
     Subordinated Indebtedness shall be used (i) prior to payment in full of the
     Term Loan, (A) to finance Permitted Acquisitions and/or (B) to prepay the
     Term Loan until the Term Loan has been paid in full and, (ii) after payment
     in full of the Term Loan, for lawful corporate purposes;

          (p) to the extent constituting Indebtedness, any obligations or
     liabilities arising pursuant to any Treasury Management Agreements entered
     into in the ordinary course of business; and

          (q) Guarantees with respect to Indebtedness permitted under clauses
     (a) through (n) of this Section 8.03.

8.04 Fundamental Changes.

     Merge, dissolve, liquidate, consolidate with or into another Person, or
Dispose of (whether in one transaction or in a series of transactions) all or
substantially all of its assets (whether now owned or hereafter acquired) to or
in favor of any Person; provided that, notwithstanding the foregoing provisions
of this Section 8.04 but subject to the terms of Sections 7.12 and 7.14, (a) the
Borrower may merge or consolidate with any of its Subsidiaries provided that the
Borrower shall be the continuing or surviving corporation, (b) any Loan Party
other than the Borrower may merge or consolidate with any other Loan Party other
than the Borrower, (c) any Foreign Subsidiary may be merged or consolidated with
or into any Loan Party provided that such Loan Party shall be the continuing or
surviving corporation, (d) any Non-Guarantor Subsidiary may be merged or
consolidated with or into any other Non-Guarantor Subsidiary, (e) the Borrower
or any Subsidiary of the Borrower may merge with any Person that is not a Loan
Party in connection with a Permitted Acquisition provided that, if such
Permitted Acquisition involves the Borrower, the Borrower shall be the
continuing or surviving corporation, and (f) the Borrower and any of its
Subsidiaries may Dispose of assets in transactions permitted by Section 8.05.

8.05 Dispositions.

     Make any Disposition other than (a) the sale of assets pursuant to a Sale
and Leaseback Transaction permitted by Section 8.15, provided that no Default or
Event of Default exists prior to and after giving effect to such sale and (b)
any Disposition in which (i) at least 75% of the total consideration received by
the

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<PAGE>

Borrower or such Subsidiary in connection therewith shall be cash or Cash
Equivalents paid contemporaneously with consummation of the transaction and
shall be in an amount not less than the fair market value of the Property
disposed of, (ii) such transaction does not involve the sale or other
disposition of a minority equity interest in any Subsidiary, (iii) such
transaction does not involve a sale or other disposition of receivables other
than receivables owned by or attributable to other Property concurrently being
disposed of in a transaction otherwise permitted under this Section 8.05, and
(iv) the greater of the aggregate net book value and the aggregate consideration
received in respect of all of the assets sold or otherwise disposed of by the
Borrower and its Subsidiaries in all such transactions in any fiscal year of the
Borrower shall not exceed $30,000,000. Notwithstanding the terms of subclause
(b)(iv) above, the parties hereto agree that any Loan Party may dispose of
assets purchased pursuant to a Permitted Acquisition within (x) 12 months of the
purchase of such assets or (y) 18 months of the purchase of such assets provided
such Loan Party has entered into a letter of intent to sell such assets within
12 months of the purchase of such assets; provided that the Net Cash Proceeds
from such Disposition are applied to prepay the Loans to the extent required by,
and in accordance with Section 2.05(b).

8.06 Restricted Payments.

     Declare or make, directly or indirectly, any Restricted Payment, or incur
any obligation (contingent or otherwise) to do so, except that:

          (a) each Subsidiary may make Restricted Payments (directly or
     indirectly) to any Loan Party;

          (b) each Non-Guarantor Subsidiary may make Restricted Payments
     (directly or indirectly) to any other Non-Guarantor Subsidiary;

          (c) the Borrower and each Subsidiary may declare and make dividend
     payments or other distributions payable solely in the Capital Stock of such
     Person; and

          (d) the Borrower may make any dividends and purchase, redeem, acquire
     or retire shares of its Capital Stock of any class or any warrants, options
     or other rights to purchase any such shares of its Capital Stock ("Stock
     Payments") so long as (i) no Default or Event of Default exists immediately
     prior to and after giving effect to any such Stock Payment and (ii) after
     giving effect to any such Stock Payment, the aggregate amount of all Stock
     Payments made during any fiscal year shall not exceed $25,000,000;
     provided, however, if the Consolidated Senior Leverage Ratio (calculated on
     a Pro Forma Basis after giving effect to such Stock Payment) is less than
     2.5 to 1.0, then the aggregate amount of Stock Payments made in any fiscal
     year shall not exceed $75,000,000.

8.07 Change in Nature of Business.

     Engage in any material line of business substantially different from those
lines of business conducted by the Borrower and its Subsidiaries on the Closing
Date except for those businesses that are reasonable extensions or expansions
thereof or incidental thereto.

8.08 Transactions with Affiliates and Insiders.

     Enter into or permit to exist any transaction or series of transactions
with any officer, director or Affiliate of such Person other than (a) advances
of working capital to any Loan Party, (b) transfers of cash and assets to any
Loan Party, (c) intercompany transactions expressly permitted by Sections 8.01
through

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<PAGE>

8.06, (d) normal and reasonable compensation and reimbursement of expenses of
officers and directors, (e) that certain loan existing as of the Closing Date in
the principal amount of $250,000 provided by the Borrower to Philip Pead and (f)
except as otherwise specifically limited in this Agreement, other transactions
which are entered into on terms and conditions substantially as favorable to
such Person as would be obtainable by it in a comparable arms-length transaction
with a Person other than an officer, director or Affiliate.

8.09 Burdensome Agreements.

     (a) Enter into, or permit to exist, any Contractual Obligation that
encumbers or restricts on the ability of any such Person to (i) pay dividends or
make any other distributions to any Loan Party on its Capital Stock or with
respect to any other interest or participation in, or measured by, its profits,
(ii) pay any Indebtedness or other obligation owed to any Loan Party, (iii) make
loans or advances to any Loan Party, (iv) sell, lease or transfer any of its
Property to any Loan Party, or (v) with respect to the Borrower, repay the
Obligations, and with respect to any Guarantor, Guarantee the Obligations or any
renewals, refinancings, exchanges, refundings or extension thereof, except (in
respect of any of the matters referred to in clauses (i)-(iv) above) for (1)
this Agreement and the other Loan Documents, (2) any document or instrument
governing Indebtedness incurred pursuant to Section 8.03(e) or (k), provided
that any such restriction contained therein relates only to the asset or assets
so constructed or acquired, (3) any Permitted Lien or any document or instrument
governing any Permitted Lien, provided that any such restriction contained
therein relates only to the asset or assets subject to such Permitted Lien, (4)
customary restrictions and conditions contained in any agreement relating to the
sale of any Property permitted under Section 8.05 pending the consummation of
such sale, (5) customary provisions entered into in the ordinary course of
business restricting assignment (including, in the case of leases, subletting,
and in the case of licenses, sublicensing) of any Contractual Obligation, or (6)
customary restrictions and agreements relating to joint ventures and
Non-Guarantor Subsidiaries.

     (b) Enter into, or permit to exist, any Contractual Obligation that
prohibits or otherwise restricts the existence of any Lien upon any of its
Property in favor of the Administrative Agent (for the benefit of the Lenders)
for the purpose of securing the Obligations, whether now owned or hereafter
acquired, or requires the grant of any security for any obligation if such
Property is given as security for the Obligations, except (i) any document or
instrument governing Indebtedness incurred pursuant to Section 8.03(e) or (k),
provided that any such restriction contained therein relates only to the asset
or assets so constructed or acquired, (ii) in connection with any Permitted Lien
or any document or instrument governing any Permitted Lien, provided that any
such restriction contained therein relates only to the asset or assets subject
to such Permitted Lien, (iii) pursuant to customary restrictions and conditions
contained in any agreement relating to the sale of any Property permitted under
Section 8.05, pending the consummation of such sale, (iv) customary provisions
entered into in the ordinary course of business restricting assignment
(including, in the case of leases, subletting, and in the case of licenses,
sublicensing) of any Contractual Obligation, and (v) customary restrictions and
agreements relating to joint ventures and Non-Guarantor Subsidiaries.

8.10 Use of Proceeds.

     Use the proceeds of any Credit Extension, whether directly or indirectly,
and whether immediately, incidentally or ultimately, to purchase or carry margin
stock (within the meaning of Regulation U of the FRB) in any manner that would
constitute a violation of Regulation U of the FRB or to extend credit to others
for the purpose of purchasing or carrying margin stock or to refund indebtedness
originally incurred for such purpose.

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<PAGE>

8.11 Financial Covenants.

     (a) Consolidated Leverage Ratio. Permit the Consolidated Leverage Ratio as
of the end of any fiscal quarter of the Borrower to be greater than the ratio
indicated below for the respective periods shown:

<TABLE>
<CAPTION>
Fiscal Quarters Ending                         Consolidated Leverage Ratio
----------------------                         ---------------------------
<S>                                            <C>
March 31, 2006 through June 30, 2006                    5.0 to 1.0
September 30, 2006 through December 31, 2006            4.5 to 1.0
March 31, 2007 and thereafter                           4.0 to 1.0
</TABLE>

     (b) Consolidated Fixed Charge Coverage Ratio. Permit the Consolidated Fixed
Charge Coverage Ratio as of the end of any fiscal quarter of the Borrower,
commencing with the fiscal quarter ending March 31, 2006, to be less than 1.5 to
1.0.

     (c) Consolidated Senior Leverage Ratio. Permit the Consolidated Senior
Leverage Ratio as of the end of any fiscal quarter of the Borrower to be greater
than the ratio indicated below for the respective periods shown:

<TABLE>
<CAPTION>
                                               Consolidated Senior
Fiscal Quarters Ending                            Leverage Ratio
----------------------                         -------------------
<S>                                            <C>
March 31, 2006 through June 30, 2006                4.0 to 1.0
September 30, 2006 through December 31, 2006        3.5 to 1.0
March 31, 2007 through December  31, 2007           3.0 to 1.0
March 31, 2008 and thereafter                       2.5 to 1.0
</TABLE>

8.12 Prepayment of Subordinated Indebtedness.

     (a) Amend or modify any of the terms of the Convertible Subordinated
Debentures or any Subordinated Indebtedness if such amendment or modification
would add or change any terms in a manner materially adverse to the Borrower or
any Subsidiary or the Lenders, or shorten the final maturity or average life to
maturity or require any payment to be made sooner than originally scheduled or
increase the interest rate applicable thereto.

     (b) Make (or give any notice with respect thereto) any voluntary or
optional payment or prepayment or redemption or acquisition for value of
(including without limitation, by way of depositing money or securities with the
trustee with respect thereto before due for the purpose of paying when due),
refund, refinance or exchange of any Convertible Subordinated Debentures or any
Subordinated Indebtedness (other than any conversion of such Indebtedness into
common stock of the Borrower or other equity interests

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<PAGE>

subordinated to the Obligations to at least the same extent as, or to a greater
extent than, such Indebtedness); provided that (i) so long as no Default or
Event of Default has occurred and is continuing, the Convertible Subordinated
Debentures may be refinanced with Subordinated Indebtedness.

8.13 Organization Documents; Fiscal Year; Legal Name, State of Formation and
     Form of Entity.

     (a) Amend, modify or change its Organization Documents in a manner
materially adverse to the Lenders.

     (b) Change its fiscal year.

     (c) Without providing ten (10) days prior written notice to the
Administrative Agent, change its name, state of formation or form of
organization.

8.14 Ownership of Subsidiaries.

     Notwithstanding any other provisions of this Agreement to the contrary,
permit any Subsidiary of the Borrower to issue or have outstanding any shares of
preferred Capital Stock.

8.15 Sale Leasebacks.

     Enter into any Sale and Leaseback Transaction other than the Sale and
Leaseback Transactions described on Schedule 8.15.

                                   ARTICLE IX

                         EVENTS OF DEFAULT AND REMEDIES

9.01 Events of Default.

     Any of the following shall constitute an Event of Default:

          (a) Non-Payment. The Borrower or any other Loan Party fails to pay (i)
     when and as required to be paid herein, any amount of principal of any Loan
     or any L/C Obligation, or (ii) within three Business Days after the same
     becomes due, any interest on any Loan or on any L/C Obligation, or any
     commitment fee or other fee due hereunder, or (iii) within five Business
     Days after the same becomes due, any other amount payable hereunder or
     under any other Loan Document; or

          (b) Specific Covenants. The Borrower fails to perform or observe any
     term, covenant or agreement contained in any of Section 7.05(a) (as to the
     existence of any Loan Party), 7.11, or 7.15 or Article VIII or

          (c) Other Covenants. The Borrower fails to perform or observe any
     term, covenant or agreement contained in any of Section 7.01, Section
     7.02(a), (b), (d) or (h), Section 7.03(a), Section 7.10, Section 7.12 or
     Section 7.14, and such failure continues for 5 Business Days after the
     earlier of a Responsible Officer of a Loan Party becoming aware of such
     failure or notice thereof by the Administrative Agent; or

          (d) Other Defaults. Any Loan Party fails to perform or observe any
     other covenant or agreement (not specified in subsection (a), (b) or (c)
     above) contained in any Loan Document

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<PAGE>

     on its part to be performed or observed and such failure continues for
     thirty days after the earlier of a Responsible Officer of a Loan Party
     becoming aware of such failure or notice thereof by the Administrative
     Agent; or

          (e) Representations and Warranties. Any representation, warranty,
     certification or statement of fact made or deemed made by or on behalf of
     the Borrower or any other Loan Party herein, in any other Loan Document, or
     in any document delivered in connection herewith or therewith shall be
     incorrect or misleading in any material respect when made or deemed made;
     or

          (f) Cross-Default. (i) The Borrower or any Subsidiary (A) fails to
     make any payment when due (whether by scheduled maturity, required
     prepayment, acceleration, demand, or otherwise) in respect of any
     Indebtedness or Guarantee (other than Indebtedness hereunder and
     Indebtedness under Swap Contracts) having an aggregate principal amount
     (including undrawn committed or available amounts and including amounts
     owing to all creditors under any combined or syndicated credit arrangement)
     of more than the Threshold Amount, or (B) fails to observe or perform any
     other agreement or condition relating to any such Indebtedness or Guarantee
     or contained in any instrument or agreement evidencing, securing or
     relating thereto, or any other event occurs, the effect of which default or
     other event is to cause, or to permit the holder or holders of such
     Indebtedness or the beneficiary or beneficiaries of such Guarantee (or a
     trustee or agent on behalf of such holder or holders or beneficiary or
     beneficiaries) to cause, with the giving of notice if required, such
     Indebtedness to be demanded or to become due or to be repurchased, prepaid,
     defeased or redeemed (automatically or otherwise), or an offer to
     repurchase, prepay, defease or redeem such Indebtedness to be made, prior
     to its stated maturity, or such Guarantee to become payable or cash
     collateral in respect thereof to be demanded; or (ii) there occurs under
     any Swap Contract an Early Termination Date (as defined in such Swap
     Contract) resulting from (A) any event of default under such Swap Contract
     as to which the Borrower or any Subsidiary is the Defaulting Party (as
     defined in such Swap Contract) or (B) any Termination Event (as so defined)
     under such Swap Contract as to which the Borrower or any Subsidiary is an
     Affected Party (as so defined) and, in either event, the Swap Termination
     Value owed by the Borrower or such Subsidiary as a result thereof is
     greater than the Threshold Amount; or

          (g) Insolvency Proceedings, Etc. Any Loan Party or any of its
     Subsidiaries institutes or consents to the institution of any proceeding
     under any Debtor Relief Law, or makes an assignment for the benefit of
     creditors; or applies for or consents to the appointment of any receiver,
     trustee, custodian, conservator, liquidator, rehabilitator or similar
     officer for it or for all or any material part of its property; or any
     receiver, trustee, custodian, conservator, liquidator, rehabilitator or
     similar officer is appointed without the application or consent of such
     Person and the appointment continues undischarged or unstayed for sixty
     calendar days; or any proceeding under any Debtor Relief Law relating to
     any such Person or to all or any material part of its property is
     instituted without the consent of such Person and continues undismissed or
     unstayed for sixty calendar days, or an order for relief is entered in any
     such proceeding; or

          (h) Inability to Pay Debts; Attachment. (i) The Borrower or any
     Subsidiary becomes unable or admits in writing its inability or fails
     generally to pay its debts as they become due, or (ii) any writ or warrant
     of attachment or execution or similar process is issued or levied against
     all or any material part of the property of any such Person and is not
     released, vacated or fully bonded within thirty days after its issue or
     levy; or

          (i) Judgments. There is entered against the Borrower or any Subsidiary
     (i) one or more final judgments or orders for the payment of money in an
     aggregate amount exceeding the

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<PAGE>

     Threshold Amount (to the extent not covered by independent third-party
     insurance as to which the insurer does not dispute coverage), or (ii) any
     one or more non-monetary final judgments that have, or could reasonably be
     expected to have, individually or in the aggregate, a Material Adverse
     Effect and, in either case, (A) enforcement proceedings are commenced by
     any creditor upon such judgment or order, or (B) there is a period of
     thirty consecutive days during which a stay of enforcement of such
     judgment, by reason of a pending appeal posting of bond or otherwise, is
     not in effect; or

          (j) ERISA. (i) An ERISA Event occurs with respect to a Pension Plan or
     Multiemployer Plan which has resulted or could reasonably be expected to
     result in liability of the Borrower under Title IV of ERISA to the Pension
     Plan, Multiemployer Plan or the PBGC in an aggregate amount in excess of
     the Threshold Amount, or (ii) the Borrower or any ERISA Affiliate fails to
     pay when due, after the expiration of any applicable grace period, any
     installment payment with respect to its withdrawal liability under Section
     4201 of ERISA under a Multiemployer Plan in an aggregate amount in excess
     of the Threshold Amount; or

          (k) Invalidity of Loan Documents. Any Loan Document, at any time after
     its execution and delivery and for any reason other than as expressly
     permitted hereunder or satisfaction in full of all the Obligations, ceases
     to be in full force and effect or fails to give the Administrative Agent
     and/or the Lenders the Liens, rights, powers and privileges purported to be
     created by the Loan Documents; or any Loan Party or any other Person
     contests in any manner the validity or enforceability of any Loan Document;
     or any Loan Party denies that it has any or further liability or obligation
     under any Loan Document, or purports to revoke, terminate or rescind any
     Loan Document; or any Loan Party asserts that any Lien purported to be
     created or perfected by the Collateral Documents is invalid or not so
     perfected; or

          (l) Change of Control. There occurs any Change of Control; or

          (m) Convertible Subordinated Debentures. (i) There shall occur an
     "Event of Default" (or any comparable term) under, and as defined in, the
     Convertible Subordinated Debentures Documents, (ii) any of the Obligations
     for any reason shall cease to be "Designated Senior Indebtedness" (or any
     comparable term) under, and as defined in, the Convertible Subordinated
     Debentures Documents, (iii) any Indebtedness other than the Obligations
     shall constitute "Designated Senior Indebtedness" (or any comparable term)
     under, and as defined in, the Convertible Subordinated Debentures Documents
     or (iv) the subordination provisions of the Convertible Subordinated
     Debentures Documents shall, in whole or in part, terminate, cease to be
     effective or cease to be legally valid, binding and enforceable against any
     holder of the Convertible Subordinated Debentures.

9.02 Remedies Upon Event of Default.

     If any Event of Default occurs and is continuing, the Administrative Agent
shall, at the request of, or may, with the consent of, the Required Lenders,
take any or all of the following actions:

          (a) declare the commitment of each Lender to make Loans and any
     obligation of the L/C Issuer to make L/C Credit Extensions to be
     terminated, whereupon such commitments and obligation shall be terminated;

          (b) declare the unpaid principal amount of all outstanding Loans, all
     interest accrued and unpaid thereon, and all other amounts owing or payable
     hereunder or under any other Loan

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     Document to be immediately due and payable, without presentment, demand,
     protest or other notice of any kind, all of which are hereby expressly
     waived by the Borrower;

          (c) require that the Borrower Cash Collateralize the L/C Obligations
     (in an amount equal to the then Outstanding Amount thereof); and

          (d) exercise on behalf of itself and the Lenders all rights and
     remedies available to it and the Lenders under the Loan Documents or
     applicable law;

provided, however, that upon the occurrence of an actual or deemed entry of an
order for relief with respect to the Borrower under the Bankruptcy Code of the
United States, the obligation of each Lender to make Loans and any obligation of
the L/C Issuer to make L/C Credit Extensions shall automatically terminate, the
unpaid principal amount of all outstanding Loans and all interest and other
amounts as aforesaid shall automatically become due and payable, and the
obligation of the Borrower to Cash Collateralize the L/C Obligations as
aforesaid shall automatically become effective, in each case without further act
of the Administrative Agent or any Lender.

9.03 Application of Funds.

     After the exercise of remedies provided for in Section 9.02 (or after the
Loans have automatically become immediately due and payable and the L/C
Obligations have automatically been required to be Cash Collateralized as set
forth in the proviso to Section 9.02), any amounts received on account of the
Obligations shall be applied by the Administrative Agent in the following order:

     First, to payment of that portion of the Obligations constituting fees,
     indemnities, expenses and other amounts (including Attorney Costs and
     amounts payable under Article III) payable to the Administrative Agent in
     its capacity as such;

     Second, to payment of that portion of the Obligations constituting fees,
     indemnities and other amounts (other than principal and interest) payable
     to the Lenders (including Attorney Costs and amounts payable under Article
     III), ratably among them in proportion to the amounts described in this
     clause Second payable to them;

     Third, to payment of that portion of the Obligations constituting accrued
     and unpaid interest on the Loans and L/C Borrowings and fees, premiums and
     scheduled periodic payments, and any interest accrued thereon, due under
     any Swap Contract between any Credit Party and any Lender, or any Affiliate
     of a Lender, to the extent such Swap Contract is permitted by Section
     8.03(d), ratably among the Lenders (and, in the case of such Swap
     Contracts, Affiliates of Lenders) in proportion to the respective amounts
     described in this clause Third held by them;

     Fourth, to (a) payment of that portion of the Obligations constituting
     unpaid principal of the Loans and L/C Borrowings, (b) payment of breakage,
     termination or other payments, and any interest accrued thereon, due under
     any Swap Contract between any Credit Party and any Lender, or any Affiliate
     of a Lender, to the extent such Swap Contract is permitted by Section
     8.03(d), (c) payments of amounts due under any Treasury Management
     Agreement between any Loan Party and any Lender, or any Affiliate of a
     Lender and (d) Cash Collateralize that portion of L/C Obligations comprised
     of the aggregate undrawn amount of Letters of Credit, ratably among the
     Lenders (and, in the case of such Swap Contracts, Affiliates of Lenders) in
     proportion to the respective amounts described in this clause Fourth held
     by them; and

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     Last, the balance, if any, after all of the Obligations have been
     indefeasibly paid in full, to the Borrower or as otherwise required by Law.

     Subject to Section 2.03(c), amounts used to Cash Collateralize the
aggregate undrawn amount of Letters of Credit pursuant to clause Fourth above
shall be applied to satisfy drawings under such Letters of Credit as they occur.
If any amount remains on deposit as Cash Collateral after all Letters of Credit
have either been fully drawn or expired, such remaining amount shall be applied
to the other Obligations, if any, in the order set forth above.

                                    ARTICLE X

                              ADMINISTRATIVE AGENT

10.01 Appointment and Authority.

     Each of the Lenders and the L/C Issuer hereby irrevocably appoints Bank of
America to act on its behalf as the Administrative Agent hereunder and under the
other Loan Documents and authorizes the Administrative Agent to take such
actions on its behalf and to exercise such powers as are delegated to the
Administrative Agent by the terms hereof or thereof, together with such actions
and powers as are reasonably incidental thereto. The provisions of this Article
are solely for the benefit of the Administrative Agent, the Lenders and the L/C
Issuer, and neither the Borrower nor any other Loan Party shall have rights as a
third party beneficiary of any of such provisions.

10.02 Rights as a Lender.

     The Person serving as the Administrative Agent hereunder shall have the
same rights and powers in its capacity as a Lender as any other Lender and may
exercise the same as though it were not the Administrative Agent and the term
"Lender" or "Lenders" shall, unless otherwise expressly indicated or unless the
context otherwise requires, include the Person serving as the Administrative
Agent hereunder in its individual capacity. Such Person and its Affiliates may
accept deposits from, lend money to, act as the financial advisor or in any
other advisory capacity for and generally engage in any kind of business with
the Borrower or any Subsidiary or other Affiliate thereof as if such Person were
not the Administrative Agent hereunder and without any duty to account therefor
to the Lenders.

10.03 Exculpatory Provisions.

     The Administrative Agent shall not have any duties or obligations except
those expressly set forth herein and in the other Loan Documents. Without
limiting the generality of the foregoing, the Administrative Agent:

          (a) shall not be subject to any fiduciary or other implied duties,
     regardless of whether a Default has occurred and is continuing;

          (b) shall not have any duty to take any discretionary action or
     exercise any discretionary powers, except discretionary rights and powers
     expressly contemplated hereby or by the other Loan Documents that the
     Administrative Agent is required to exercise as directed in writing by the
     Required Lenders (or such other number or percentage of the Lenders as
     shall be expressly provided for herein or in the other Loan Documents),
     provided that the Administrative Agent shall not be required to take any
     action that, in its opinion or the opinion of its counsel,

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     may expose the Administrative Agent to liability or that is contrary to any
     Loan Document or applicable law; and

          (c) shall not, except as expressly set forth herein and in the other
     Loan Documents, have any duty to disclose, and shall not be liable for the
     failure to disclose, any information relating to the Borrower or any of its
     Affiliates that is communicated to or obtained by the Person serving as the
     Administrative Agent or any of its Affiliates in any capacity.

     The Administrative Agent shall not be liable for any action taken or not
taken by it (i) with the consent or at the request of the Required Lenders (or
such other number or percentage of the Lenders as shall be necessary, or as the
Administrative Agent shall believe in good faith shall be necessary, under the
circumstances as provided in Sections 11.01 and 9.02) or (ii) in the absence of
its own gross negligence or willful misconduct. The Administrative Agent shall
be deemed not to have knowledge of any Default unless and until notice
describing such Default is given to the Administrative Agent by the Borrower, a
Lender or the L/C Issuer.

     The Administrative Agent shall not be responsible for or have any duty to
ascertain or inquire into (i) any statement, warranty or representation made in
or in connection with this Agreement or any other Loan Document, (ii) the
contents of any certificate, report or other document delivered hereunder or
thereunder or in connection herewith or therewith, (iii) the performance or
observance of any of the covenants, agreements or other terms or conditions set
forth herein or therein or the occurrence of any Default, (iv) the validity,
enforceability, effectiveness or genuineness of this Agreement, any other Loan
Document or any other agreement, instrument or document or (v) the satisfaction
of any condition set forth in Article V or elsewhere herein, other than to
confirm receipt of items expressly required to be delivered to the
Administrative Agent.

10.04 Reliance by Administrative Agent.

     The Administrative Agent shall be entitled to rely upon, and shall not
incur any liability for relying upon, any notice, request, certificate, consent,
statement, instrument, document or other writing (including any electronic
message, Internet or intranet website posting or other distribution) believed by
it to be genuine and to have been signed, sent or otherwise authenticated by the
proper Person. The Administrative Agent also may rely upon any statement made to
it orally or by telephone and believed by it to have been made by the proper
Person, and shall not incur any liability for relying thereon. In determining
compliance with any condition hereunder to the making of a Loan, or the issuance
of a Letter of Credit, that by its terms must be fulfilled to the satisfaction
of a Lender or the L/C Issuer, the Administrative Agent may presume that such
condition is satisfactory to such Lender or the L/C Issuer unless the
Administrative Agent shall have received notice to the contrary from such Lender
or the L/C Issuer prior to the making of such Loan or the issuance of such
Letter of Credit. The Administrative Agent may consult with legal counsel (who
may be counsel for the Borrower), independent accountants and other experts
selected by it, and shall not be liable for any action taken or not taken by it
in accordance with the advice of any such counsel, accountants or experts.

10.05 Delegation of Duties.

     The Administrative Agent may perform any and all of its duties and exercise
its rights and powers hereunder or under any other Loan Document by or through
any one or more sub-agents appointed by the Administrative Agent. The
Administrative Agent and any such sub-agent may perform any and all of its
duties and exercise its rights and powers by or through their respective Related
Parties. The exculpatory provisions of this Article shall apply to any such
sub-agent and to the Related Parties of the Administrative Agent and any such
sub-agent, and shall apply to their respective activities in connection

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with the syndication of the credit facilities provided for herein as well as
activities as Administrative Agent.

10.06 Resignation of Administrative Agent.

     The Administrative Agent may at any time give notice of its resignation to
the Lenders, the L/C Issuer and the Borrower. Upon receipt of any such notice of
resignation, the Required Lenders shall have the right, in consultation with the
Borrower, to appoint a successor, which shall be a commercial banking
institution with an office in the United States, or an Affiliate of any such
commercial banking institution with an office in the United States. If no such
successor shall have been so appointed by the Required Lenders and shall have
accepted such appointment within 30 days after the retiring Administrative Agent
gives notice of its resignation, then the retiring Administrative Agent may on
behalf of the Lenders and the L/C Issuer, appoint a successor Administrative
Agent meeting the qualifications set forth above; provided that if the
Administrative Agent shall notify the Borrower and the Lenders that no
qualifying Person has accepted such appointment, then such resignation shall
nonetheless become effective in accordance with such notice and (1) the retiring
Administrative Agent shall be discharged from its duties and obligations
hereunder and under the other Loan Documents (except that in the case of any
collateral security held by the Administrative Agent on behalf of the Lenders or
the L/C Issuer under any of the Loan Documents, the retiring Administrative
Agent shall continue to hold such collateral security until such time as a
successor Administrative Agent is appointed) and (2) all payments,
communications and determinations provided to be made by, to or through the
Administrative Agent shall instead be made by or to each Lender and the L/C
Issuer directly, until such time as the Required Lenders appoint a successor
Administrative Agent as provided for above in this Section. Prior to such
appointment of a successor Administrative Agent by the Required Lenders, all
duties and responsibilities of the Administrative Agent shall be performed by
the Required Lenders. Upon the acceptance of a successor's appointment as
Administrative Agent hereunder, such successor shall succeed to and become
vested with all of the rights, powers, privileges and duties of the retiring (or
retired) Administrative Agent, and the retiring Administrative Agent shall be
discharged from all of its duties and obligations hereunder or under the other
Loan Documents (if not already discharged therefrom as provided above in this
Section). The fees payable by the Borrower to a successor Administrative Agent
shall be the same as those payable to its predecessor unless otherwise agreed
between the Borrower and such successor. After the retiring Administrative
Agent's resignation hereunder and under the other Loan Documents, the provisions
of this Article and Section 11.04 shall continue in effect for the benefit of
such retiring Administrative Agent, its sub-agents and their respective Related
Parties in respect of any actions taken or omitted to be taken by any of them
while the retiring Administrative Agent was acting as Administrative Agent.

     Any resignation by Bank of America as Administrative Agent pursuant to this
Section shall also constitute its resignation as L/C Issuer and Swing Line
Lender. Upon the acceptance of a successor's appointment as Administrative Agent
hereunder, (a) such successor shall succeed to and become vested with all of the
rights, powers, privileges and duties of the retiring L/C Issuer and Swing Line
Lender, (b) the retiring L/C Issuer and Swing Line Lender shall be discharged
from all of their respective duties and obligations hereunder or under the other
Loan Documents, and (c) the successor L/C Issuer shall issue letters of credit
in substitution for the Letters of Credit, if any, outstanding at the time of
such succession or make other arrangements satisfactory to the retiring L/C
Issuer to effectively assume the obligations of the retiring L/C Issuer with
respect to such Letters of Credit.

10.07 Non-Reliance on Administrative Agent and Other Lenders.

     Each Lender and the L/C Issuer acknowledges that it has, independently and
without reliance upon the Administrative Agent or any other Lender or any of
their Related Parties and based on such documents and information as it has
deemed appropriate, made its own credit analysis and decision to

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enter into this Agreement. Each Lender and the L/C Issuer also acknowledges that
it will, independently and without reliance upon the Administrative Agent or any
other Lender or any of their Related Parties and based on such documents and
information as it shall from time to time deem appropriate, continue to make its
own decisions in taking or not taking action under or based upon this Agreement,
any other Loan Document or any related agreement or any document furnished
hereunder or thereunder.

10.08 No Other Duties, Etc.

     Anything herein to the contrary notwithstanding, none of the Bookrunners,
Arrangers or other titles listed on the cover page hereof shall have any powers,
duties or responsibilities under this Agreement or any of the other Loan
Documents, except in its capacity, as applicable, as the Administrative Agent, a
Lender or the L/C Issuer hereunder.

10.09 Administrative Agent May File Proofs of Claim.

     In case of the pendency of any receivership, insolvency, liquidation,
bankruptcy, reorganization, arrangement, adjustment, composition or other
judicial proceeding relative to any Loan Party, the Administrative Agent
(irrespective of whether the principal of any Loan or L/C Obligation shall then
be due and payable as herein expressed or by declaration or otherwise and
irrespective of whether the Administrative Agent shall have made any demand on
the Borrower) shall be entitled and empowered, by intervention in such
proceeding or otherwise

          (a) to file and prove a claim for the whole amount of the principal
     and interest owing and unpaid in respect of the Loans, L/C Obligations and
     all other Obligations (other than obligations under Swap Contracts or
     Treasury Management Agreements to which the Administrative Agent is not a
     party) that are owing and unpaid and to file such other documents as may be
     necessary or advisable in order to have the claims of the Lenders, the L/C
     Issuer and the Administrative Agent (including any claim for the reasonable
     compensation, expenses, disbursements and advances of the Lenders, the L/C
     Issuer and the Administrative Agent and their respective agents and counsel
     and all other amounts due the Lenders, the L/C Issuer and the
     Administrative Agent under Sections 2.03(i) and (j), 2.09 and 11.04)
     allowed in such judicial proceeding; and

          (b) to collect and receive any monies or other property payable or
     deliverable on any such claims and to distribute the same;

and any custodian, receiver, assignee, trustee, liquidator, sequestrator or
other similar official in any such judicial proceeding is hereby authorized by
each Lender and the L/C Issuer to make such payments to the Administrative Agent
and, in the event that the Administrative Agent shall consent to the making of
such payments directly to the Lenders and the L/C Issuer, to pay to the
Administrative Agent any amount due for the reasonable compensation, expenses,
disbursements and advances of the Administrative Agent and its agents and
counsel, and any other amounts due the Administrative Agent under Sections 2.09
and 11.04.

     Nothing contained herein shall be deemed to authorize the Administrative
Agent to authorize or consent to or accept or adopt on behalf of any Lender or
the L/C Issuer any plan of reorganization, arrangement, adjustment or
composition affecting the Obligations or the rights of any Lender or to
authorize the Administrative Agent to vote in respect of the claim of any Lender
in any such proceeding.

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10.10 Collateral and Guaranty Matters.

     The Lenders and the L/C Issuer irrevocably authorize the Administrative
Agent, at its option and in its discretion,

          (a) to release any Lien on any Collateral granted to or held by the
     Administrative Agent under any Loan Document (i) upon termination of the
     Aggregate Revolving Commitments and payment in full of all Obligations
     (other than contingent indemnification obligations) and the expiration or
     termination of all Letters of Credit, (ii) that is transferred or to be
     transferred as part of or in connection with any Disposition permitted
     hereunder or under any other Loan Document or any Involuntary Disposition,
     or (iii) as approved in accordance with Section 11.01;

          (b) to subordinate any Lien on any Property granted to or held by the
     Administrative Agent under any Loan Document to the holder of any Lien on
     such Property that is permitted by Section 8.01(i); and

          (c) to release any Guarantor from its obligations under the Guaranty
     if such Person ceases to be a Subsidiary as a result of a transaction
     permitted hereunder.

     Upon request by the Administrative Agent at any time, the Required Lenders
will confirm in writing the Administrative Agent's authority to release or
subordinate its interest in particular types or items of Property, or to release
any Guarantor from its obligations under the Guaranty pursuant to this Section
10.10.

                                   ARTICLE XI

                                  MISCELLANEOUS

11.01 Amendments, Etc.

     No amendment or waiver of any provision of this Agreement or any other Loan
Document, and no consent to any departure by the Borrower or any other Loan
Party therefrom, shall be effective unless in writing signed by the Required
Lenders and the Borrower or the applicable Loan Party, as the case may be, and
acknowledged by the Administrative Agent, and each such waiver or consent shall
be effective only in the specific instance and for the specific purpose for
which given; provided, however, that no such amendment, waiver or consent shall:

          (a) extend or increase the Commitment of any Lender (or reinstate any
     Commitment terminated pursuant to Section 9.02) without the written consent
     of such Lender (it being understood and agreed that a waiver of any
     condition precedent set forth in Section 5.02 or of any Default or Event of
     Default or a mandatory reduction in Commitments is not considered an
     extension or increase in Commitments of any Lender);

          (b) postpone any date fixed by this Agreement or any other Loan
     Document for any payment of principal (excluding mandatory prepayments),
     interest, fees or other amounts due to the Lenders (or any of them)
     hereunder or under any other Loan Document without the written consent of
     each Lender directly affected thereby;

          (c) reduce the principal of, or the rate of interest specified herein
     on, any Loan or L/C Borrowing, or any fees or other amounts payable
     hereunder or under any other Loan

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     Document without the written consent of each Lender directly affected
     thereby; provided, however, that only the consent of the Required Lenders
     shall be necessary to amend the definition of "Default Rate" or to waive
     any obligation of the Borrower to pay interest or Letter of Credit Fees at
     the Default Rate;

          (d) change Section 2.13 or Section 9.03 in a manner that would alter
     the pro rata sharing of payments or the order of application of payments
     required thereby without the written consent of each Lender directly
     affected thereby;

          (e) change any provision of this Section or the definition of
     "Required Lenders" or any other provision hereof specifying the number or
     percentage of Lenders required to amend, waive or otherwise modify any
     rights hereunder or make any determination or grant any consent hereunder
     without the written consent of each Lender directly affected thereby;

          (f) except in connection with a Disposition permitted under Section
     8.05, release all or substantially all of the Collateral without the
     written consent of each Lender directly affected thereby;

          (g) release the Borrower or, except in connection with a merger or
     consolidation permitted under Section 8.04 or a Disposition permitted under
     Section 8.05, all or substantially all of the Guarantors, from its or their
     obligations under the Loan Documents without the written consent of each
     Lender directly affected thereby; or

          (h) without the consent of Lenders (other than Defaulting Lenders)
     holding in the aggregate at least a majority of the Revolving Commitments
     (or if the Revolving Commitments have been terminated, the outstanding
     Revolving Loans (and participations in any Swing Line Loans and L/C
     Obligations)), (i) waive any Default or Event of Default for purposes of
     Section 5.02 for purposes of any Revolving Loan borrowing or L/C Credit
     Extension and (ii) amend, change, waive, discharge or terminate Section
     2.01(a), 2.02, 2.03, 2.05(b)(i) or 2.06 or any term, covenant or agreement
     contained in Article VIII or Article IX; or

          (i) without the consent of Lenders (other than Defaulting Lenders)
     holding in the aggregate at least a majority of the outstanding Term Loan
     (and participations therein), amend, change, waive, discharge or terminate
     Section 2.05(b)(vi) so as to alter the manner of application of proceeds of
     any mandatory prepayment required by Section 2.05(b)(ii), (iii), (iv) or
     (v) hereof;

and, provided further, that (i) no amendment, waiver or consent shall, unless in
writing and signed by the L/C Issuer in addition to the Lenders required above,
affect the rights or duties of the L/C Issuer under this Agreement or any Issuer
Document relating to any Letter of Credit issued or to be issued by it; (ii) no
amendment, waiver or consent shall, unless in writing and signed by the Swing
Line Lender in addition to the Lenders required above, affect the rights or
duties of the Swing Line Lender under this Agreement; (iii) no amendment, waiver
or consent shall, unless in writing and signed by the Administrative Agent in
addition to the Lenders required above, affect the rights or duties of the
Administrative Agent under this Agreement or any other Loan Document; and (iv)
the Fee Letter may be amended, or rights or privileges thereunder waived, in a
writing executed only by the parties thereto. Notwithstanding anything to the
contrary herein, no Defaulting Lender shall have any right to approve or
disapprove any amendment, waiver or consent hereunder, except that the
Commitment of such Lender may not be increased or extended without the consent
of such Lender.

Notwithstanding the fact that the consent of all the Lenders is required in
certain circumstances as set forth above, (x) each Lender is entitled to vote as
such Lender sees fit on any bankruptcy reorganization plan that

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affects the Loans, and each Lender acknowledges that the provisions of Section
1126(c) of the Bankruptcy Code supersedes the unanimous consent provisions set
forth herein and (y) the Required Lenders shall determine whether or not to
allow a Loan Party to use cash collateral in the context of a bankruptcy or
insolvency proceeding and such determination shall be binding on all of the
Lenders.

11.02 Notices; Effectiveness; Electronic Communication.

     (a) Notices Generally. Except in the case of notices and other
communications expressly permitted to be given by telephone (and except as
provided in subsection (b) below), all notices and other communications provided
for herein shall be in writing and shall be delivered by hand or overnight
courier service, mailed by certified or registered mail or sent by telecopier as
follows, and all notices and other communications expressly permitted hereunder
to be given by telephone shall be made to the applicable telephone number, as
follows:

          (i) if to the Borrower, the Administrative Agent, the L/C Issuer or
     the Swing Line Lender, to the address, telecopier number, electronic mail
     address or telephone number specified for such Person on Schedule 11.02;
     and

          (ii) if to any other Lender, to the address, telecopier number,
     electronic mail address or telephone number specified in its Administrative
     Questionnaire.

Notices sent by hand or overnight courier service, or mailed by certified or
registered mail, shall be deemed to have been given when received; notices sent
by telecopier shall be deemed to have been given when sent (except that, if not
given during normal business hours for the recipient, shall be deemed to have
been given at the opening of business on the next business day for the
recipient). Notices delivered through electronic communications to the extent
provided in subsection (b) below, shall be effective as provided in such
subsection (b).

     (b) Electronic Communications. Notices and other communications to the
Lenders and the L/C Issuer hereunder may be delivered or furnished by electronic
communication (including e-mail and Internet or intranet websites) pursuant to
procedures approved by the Administrative Agent, provided that the foregoing
shall not apply to notices to any Lender or the L/C Issuer pursuant to Article
II if such Lender or the L/C Issuer, as applicable, has notified the
Administrative Agent that it is incapable of receiving notices under such
Article by electronic communication. The Administrative Agent or the Borrower
may, in its discretion, agree to accept notices and other communications to it
hereunder by electronic communications pursuant to procedures approved by it,
provided that approval of such procedures may be limited to particular notices
or communications.

     Unless the Administrative Agent otherwise prescribes, (i) notices and other
communications sent to an e-mail address shall be deemed received upon the
sender's receipt of an acknowledgement from the intended recipient (such as by
the "return receipt requested" function, as available, return e-mail or other
written acknowledgement), provided that if such notice or other communication is
not sent during the normal business hours of the recipient, such notice or
communication shall be deemed to have been sent at the opening of business on
the next business day for the recipient, and (ii) notices or communications
posted to an Internet or intranet website shall be deemed received upon the
deemed receipt by the intended recipient at its e-mail address as described in
the foregoing clause (i) of notification that such notice or communication is
available and identifying the website address therefor.

     (c) The Platform. THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE." THE
AGENT PARTIES (AS DEFINED BELOW) DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF
THE BORROWER MATERIALS OR THE ADEQUACY OF THE

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PLATFORM, AND EXPRESSLY DISCLAIM LIABILITY FOR ERRORS IN OR OMISSIONS FROM THE
BORROWER MATERIALS. NO WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY,
INCLUDING ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
NON-INFRINGEMENT OF THIRD PARTY RIGHTS OR FREEDOM FROM VIRUSES OR OTHER CODE
DEFECTS, IS MADE BY ANY AGENT PARTY IN CONNECTION WITH THE BORROWER MATERIALS OR
THE PLATFORM. In no event shall the Administrative Agent or any of its Related
Parties (collectively, the "Agent Parties") have any liability to the Borrower,
any Lender, the L/C Issuer or any other Person for losses, claims, damages,
liabilities or expenses of any kind (whether in tort, contract or otherwise)
arising out of the Borrower's or the Administrative Agent's transmission of
Borrower Materials through the Internet, except to the extent that such losses,
claims, damages, liabilities or expenses are determined by a court of competent
jurisdiction by a final and nonappealable judgment to have resulted from the
gross negligence, willful misconduct of such Agent Party or breach in bad faith
of its obligations hereunder; provided, however, that in no event shall any
Agent Party have any liability to the Borrower, any Lender, the L/C Issuer or
any other Person for indirect, special, incidental, consequential or punitive
damages (as opposed to direct or actual damages).

     (d) Change of Address, Etc. Each of the Borrower, the Administrative Agent,
the L/C Issuer and the Swing Line Lender may change its address, telecopier or
telephone number for notices and other communications hereunder by notice to the
other parties hereto. Each other Lender may change its address, telecopier or
telephone number for notices and other communications hereunder by notice to the
Borrower, the Administrative Agent, the L/C Issuer and the Swing Line Lender. In
addition, each Lender agrees to notify the Administrative Agent from time to
time to ensure that the Administrative Agent has on record (i) an effective
address, contact name, telephone number, telecopier number and electronic mail
address to which notices and other communications may be sent and (ii) accurate
wire instructions for such Lender.

     (e) Reliance by Administrative Agent, L/C Issuer and Lenders. The
Administrative Agent, the L/C Issuer and the Lenders shall be entitled to rely
and act in good faith upon any notices (including telephonic Loan Notices and
Swing Line Loan Notices) purportedly given by or on behalf of the Borrower even
if (i) such notices were not made in a manner specified herein, were incomplete
or were not preceded or followed by any other form of notice specified herein,
or (ii) the terms thereof, as understood by the recipient, varied from any
confirmation thereof. The Borrower shall indemnify the Administrative Agent, the
L/C Issuer, each Lender and the Related Parties of each of them from all losses,
costs, expenses and liabilities resulting from the reliance in good faith by
such Person on each notice purportedly given by or on behalf of the Borrower.
All telephonic notices to and other telephonic communications with the
Administrative Agent may be recorded by the Administrative Agent, and each of
the parties hereto hereby consents to such recording.

11.03 No Waiver; Cumulative Remedies.

     No failure by any Lender, the L/C Issuer or the Administrative Agent to
exercise, and no delay by any such Person in exercising, any right, remedy,
power or privilege hereunder shall operate as a waiver thereof; nor shall any
single or partial exercise of any right, remedy, power or privilege hereunder
preclude any other or further exercise thereof or the exercise of any other
right, remedy, power or privilege. The rights, remedies, powers and privileges
herein provided are cumulative and not exclusive of any rights, remedies, powers
and privileges provided by law.

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11.04 Attorney Costs, Expenses; Indemnity; Damage Waiver.

     (a) Costs and Expenses. The Borrower shall pay (i) all reasonable
out-of-pocket expenses incurred by the Administrative Agent and its Affiliates
(including the reasonable fees, charges and disbursements of counsel for the
Administrative Agent), in connection with the syndication of the credit
facilities provided for herein, the preparation, negotiation, execution,
delivery and administration of this Agreement and the other Loan Documents or
any amendments, modifications or waivers of the provisions hereof or thereof
(whether or not the transactions contemplated hereby or thereby shall be
consummated), (ii) all reasonable out-of-pocket expenses incurred by the L/C
Issuer in connection with the issuance, amendment, renewal or extension of any
Letter of Credit or any demand for payment thereunder and (iii) all reasonable
out-of-pocket expenses incurred by the Administrative Agent, any Lender or the
L/C Issuer (including the reasonable fees, charges and disbursements of any
counsel for the Administrative Agent, any Lender or the L/C Issuer), and shall
pay all reasonable fees and time charges for attorneys who may be employees of
the Administrative Agent, any Lender or the L/C Issuer, in connection with the
enforcement or protection of its rights (A) in connection with this Agreement
and the other Loan Documents, including its rights under this Section, or (B) in
connection with the Loans made or Letters of Credit issued hereunder, including
all such reasonable out-of-pocket expenses incurred during any workout,
restructuring or negotiations in respect of such Loans or Letters of Credit.

     (b) Indemnification by the Borrower. The Borrower shall indemnify the
Administrative Agent (and any sub-agent thereof), each Lender and the L/C
Issuer, and each Related Party of any of the foregoing Persons (each such Person
being called an "Indemnitee") against, and hold each Indemnitee harmless from,
any and all losses, claims, damages, liabilities and related expenses (including
the fees, charges and disbursements of any counsel for any Indemnitee), and
shall indemnify and hold harmless each Indemnitee from all reasonable fees and
time charges and disbursements for attorneys who may be employees of any
Indemnitee, incurred by any Indemnitee or asserted against any Indemnitee by any
third party or by the Borrower or any other Loan Party arising out of, in
connection with, or as a result of (i) the execution or delivery of this
Agreement, any other Loan Document or any agreement or instrument contemplated
hereby or thereby, the performance by the parties hereto of their respective
obligations hereunder or thereunder, the consummation of the transactions
contemplated hereby or thereby, or, in the case of the Administrative Agent (and
any sub-agent thereof) and its Related Parties only, the administration of this
Agreement and the other Loan Documents, (ii) any Loan or Letter of Credit or the
use or proposed use of the proceeds therefrom (including any refusal by the L/C
Issuer to honor a demand for payment under a Letter of Credit if the documents
presented in connection with such demand do not strictly comply with the terms
of such Letter of Credit), (iii) any actual or alleged presence or release of
Hazardous Materials on or from any property owned or operated by the Borrower or
any of its Subsidiaries, or any Environmental Liability related in any way to
the Borrower or any of its Subsidiaries, or (iv) any actual or prospective
claim, litigation, investigation or proceeding relating to any of the foregoing,
whether based on contract, tort or any other theory, whether brought by a third
party or by the Borrower or any other Loan Party, and regardless of whether any
Indemnitee is a party thereto, in all cases, whether or not caused by or
arising, in whole or in part, out of the comparative, contributory or sole
negligence of the Indemnitee; provided that such indemnity shall not, as to any
Indemnitee, be available to the extent that such losses, claims, damages,
liabilities or related expenses (x) are determined by a court of competent
jurisdiction by final and nonappealable judgment to have resulted from the gross
negligence or willful misconduct of such Indemnitee or (y) result from a claim
brought by the Borrower or any other Loan Party against an Indemnitee for breach
in bad faith of such Indemnitee's obligations hereunder or under any other Loan
Document, if the Borrower or such Loan Party has obtained a final and
nonappealable judgment in its favor on such claim as determined by a court of
competent jurisdiction.

     (c) Reimbursement by Lenders. To the extent that the Borrower for any
reason fails to indefeasibly pay any amount required under subsection (a) or (b)
of this Section to be paid by it to the

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Administrative Agent (or any sub-agent thereof), the L/C Issuer or any Related
Party of any of the foregoing, each Lender severally agrees to pay to the
Administrative Agent (or any such sub-agent), the L/C Issuer or such Related
Party, as the case may be, such Lender's Pro Rata Share (determined as of the
time that the applicable unreimbursed expense or indemnity payment is sought) of
such unpaid amount, provided that the unreimbursed expense or indemnified loss,
claim, damage, liability or related expense, as the case may be, was incurred by
or asserted against the Administrative Agent (or any such sub-agent) or the L/C
Issuer in its capacity as such, or against any Related Party of any of the
foregoing acting for the Administrative Agent (or any such sub-agent) or L/C
Issuer in connection with such capacity; provided that to the extent the L/C
Issuer is entitled to indemnification pursuant to this subsection (c) solely in
its capacity and role as L/C Issuer, only Lenders with Revolving Commitments
shall be required to indemnify the L/C Issuer in accordance with this subsection
(c). The obligations of the Lenders under this subsection (c) are subject to the
provisions of Section 2.12(d).

     (d) Waiver of Consequential Damages, Etc. To the fullest extent permitted
by applicable law, the Borrower shall not assert, and hereby waives, any claim
against any Indemnitee, on any theory of liability, for special, indirect,
consequential or punitive damages (as opposed to direct or actual damages)
arising out of, in connection with, or as a result of, this Agreement, any other
Loan Document or any agreement or instrument contemplated hereby, the
transactions contemplated hereby or thereby, any Loan or Letter of Credit or the
use of the proceeds thereof. No Indemnitee referred to in subsection (b) above
shall be liable for any damages arising from the use by unintended recipients of
any information or other materials distributed by it through telecommunications,
electronic or other information transmission systems in connection with this
Agreement or the other Loan Documents or the transactions contemplated hereby or
thereby.

     (e) Payments. All amounts due under this Section shall be payable not later
than ten Business Days after demand therefor.

     (f) Survival. The agreements in this Section shall survive the resignation
of the Administrative Agent and the L/C Issuer, the replacement of any Lender,
the termination of the Aggregate Revolving Commitments and the repayment,
satisfaction or discharge of all the other Obligations.

11.05 Payments Set Aside.

     To the extent that any payment by or on behalf of any Loan Party is made to
the Administrative Agent, the L/C Issuer or any Lender, or the Administrative
Agent, the L/C Issuer or any Lender exercises its right of set-off, and such
payment or the proceeds of such set-off or any part thereof is subsequently
invalidated, declared to be fraudulent or preferential, set aside or required
(including pursuant to any settlement entered into by the Administrative Agent,
the L/C Issuer or such Lender in its discretion) to be repaid to a trustee,
receiver or any other party, in connection with any proceeding under any Debtor
Relief Law or otherwise, then (a) to the extent of such recovery, the obligation
or part thereof originally intended to be satisfied shall be revived and
continued in full force and effect as if such payment had not been made or such
set-off had not occurred, and (b) each Lender and the L/C Issuer severally
agrees to pay to the Administrative Agent upon demand its applicable share of
any amount so recovered from or repaid by the Administrative Agent, plus
interest thereon from the date of such demand to the date such payment is made
at a rate per annum equal to the Federal Funds Rate from time to time in effect.
The obligations of the Lenders and the L/C Issuer under clause (b) of the
preceding sentence shall survive the payment in full of the Obligations and the
termination of this Agreement.

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11.06 Successors and Assigns.

     (a) The provisions of this Agreement shall be binding upon and inure to the
benefit of the parties hereto and their respective successors and assigns
permitted hereby, except that neither the Borrower nor any other Loan Party may
assign or otherwise transfer any of its rights or obligations hereunder without
the prior written consent of the Administrative Agent and each Lender and no
Lender may assign or otherwise transfer any of its rights or obligations
hereunder except (i) to an Eligible Assignee in accordance with the provisions
of subsection (b) of this Section, (ii) by way of participation in accordance
with the provisions of subsection (d) of this Section or (iii) by way of pledge
or assignment of a security interest subject to the restrictions of subsection
(f) of this Section (and any other attempted assignment or transfer by any party
hereto shall be null and void). Nothing in this Agreement, expressed or implied,
shall be construed to confer upon any Person (other than the parties hereto,
their respective successors and assigns permitted hereby, Participants to the
extent provided in subsection (d) of this Section and, to the extent expressly
contemplated hereby, the Related Parties of each of the Administrative Agent,
the L/C Issuer and the Lenders) any legal or equitable right, remedy or claim
under or by reason of this Agreement.

     (b) Any Lender may at any time assign to one or more Eligible Assignees all
or a portion of its rights and obligations under this Agreement (including all
or a portion of its Commitment and the Loans (including for purposes of this
subsection (b), participations in L/C Obligations and in Swing Line Loans) at
the time owing to it); provided that (i) except in the case of an assignment of
the entire remaining amount of the assigning Lender's Commitment and the Loans
at the time owing to it or in the case of an assignment to a Lender or an
Affiliate of a Lender or an Approved Fund (as defined in subsection (g) of this
Section) with respect to a Lender, the aggregate amount of the Commitment (which
for this purpose includes Loans outstanding thereunder) or, if the Commitment is
not then in effect, the principal outstanding balance of the Loans of the
assigning Lender subject to each such assignment, determined as of the date the
Assignment and Assumption with respect to such assignment is delivered to the
Administrative Agent or, if "Trade Date" is specified in the Assignment and
Assumption, as of the Trade Date, shall not be less than $2,500,000 in the case
of an assignment of Revolving Loans and $1,000,000 in the case of an assignment
of Term Loans unless each of the Administrative Agent and, so long as no Event
of Default has occurred and is continuing, the Borrower otherwise consents (each
such consent not to be unreasonably withheld or delayed); provided, however,
that concurrent assignments to members of an Assignee Group and concurrent
assignments from members of an Assignee Group to a single Eligible Assignee (or
to an Eligible Assignee and members of its Assignee Group) will be treated as a
single assignment for purposes of determining whether such minimum amount has
been met; (ii) each partial assignment shall be made as an assignment of a
proportionate part of all the assigning Lender's Loans and Commitments, and
rights and obligations with respect thereto, assigned, except that this clause
(ii) shall not apply to rights in respect of Swing Line Loans or the Term Loan;
(iii) any assignment of a Revolving Commitment must be approved by the
Administrative Agent, the L/C Issuer and the Swing Line Lender unless the Person
that is the proposed assignee is itself a Lender (whether or not the proposed
assignee would otherwise qualify as an Eligible Assignee); and (iv) the parties
to each assignment shall execute and deliver to the Administrative Agent an
Assignment and Assumption, together with a processing and recordation fee in the
amount, if any, required as set forth in Schedule 11.06, and the Eligible
Assignee, if it shall not be a Lender, shall deliver to the Administrative Agent
an Administrative Questionnaire. Subject to acceptance and recording thereof by
the Administrative Agent pursuant to subsection (c) of this Section, from and
after the effective date specified in each Assignment and Assumption, the
Eligible Assignee thereunder shall be a party to this Agreement and, to the
extent of the interest assigned by such Assignment and Assumption, have the
rights and obligations of a Lender under this Agreement, and the assigning
Lender thereunder shall, to the extent of the interest assigned by such
Assignment and Assumption, be released from its obligations under this Agreement
(and, in the case of an Assignment and Assumption covering all of the assigning
Lender's rights and obligations under this

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Agreement, such Lender shall cease to be a party hereto but shall continue to be
entitled to the benefits of Sections 3.01, 3.04, 3.05, and 11.04 with respect to
facts and circumstances occurring prior to the effective date of such
assignment). Upon request, the Borrower (at its expense) shall execute and
deliver a Note to the assignee Lender. Any assignment or transfer by a Lender of
rights or obligations under this Agreement that does not comply with this
subsection shall be treated for purposes of this Agreement as a sale by such
Lender of a participation in such rights and obligations in accordance with
subsection (d) of this Section.

     (c) The Administrative Agent, acting solely for this purpose as an agent of
the Borrower, shall maintain at the Administrative Agent's Office a copy of each
Assignment and Assumption delivered to it and a register for the recordation of
the names and addresses of the Lenders, and the Commitments of, and principal
amounts of the Loans and L/C Obligations owing to, each Lender pursuant to the
terms hereof from time to time (the "Register"). The entries in the Register
shall be conclusive, and the Borrower, the Administrative Agent and the Lenders
may treat each Person whose name is recorded in the Register pursuant to the
terms hereof as a Lender hereunder for all purposes of this Agreement,
notwithstanding notice to the contrary. The Register shall be available for
inspection by the Borrower, the L/C Issuer and any Lender, at any reasonable
time and from time to time upon reasonable prior notice.

     (d) Any Lender may at any time, without the consent of, or notice to, the
Borrower or the Administrative Agent, sell participations to any Person (other
than a natural person or the Borrower or any of the Borrower's Affiliates or
Subsidiaries) (each, a "Participant") in all or a portion of such Lender's
rights and/or obligations under this Agreement (including all or a portion of
its Commitment and/or the Loans (including such Lender's participations in L/C
Obligations and/or Swing Line Loans) owing to it); provided that (i) such
Lender's obligations under this Agreement shall remain unchanged, (ii) such
Lender shall remain solely responsible to the other parties hereto for the
performance of such obligations and (iii) the Borrower, the Administrative
Agent, the L/C Issuer and the other Lenders shall continue to deal solely and
directly with such Lender in connection with such Lender's rights and
obligations under this Agreement. Any agreement or instrument pursuant to which
a Lender sells such a participation shall provide that such Lender shall retain
the sole right to enforce this Agreement and to approve any amendment,
modification or waiver of any provision of this Agreement; provided that such
agreement or instrument may provide that such Lender will not, without the
consent of the Participant, agree to any amendment, waiver or other modification
described in clauses (a) through (g) of the first proviso to Section 11.01 that
directly affects such Participant. Subject to subsection (e) of this Section,
the Borrower agrees that each Participant shall be entitled to the benefits of
Sections 3.01, 3.04 and 3.05 to the same extent as if it were a Lender and had
acquired its interest by assignment pursuant to subsection (b) of this Section.
To the extent permitted by law, each Participant also shall be entitled to the
benefits of Section 11.08 as though it were a Lender, provided such Participant
agrees to be subject to Section 2.13 as though it were a Lender, and provided
further that such Participant shall have no direct right to enforce any of the
terms of this Agreement or any other Loan Document against any Loan Party, the
Agents, the Issuer, or any other Lender.

     (e) A Participant shall not be entitled to receive any greater payment
under Section 3.01, 3.04 or 3.05 than the applicable Lender would have been
entitled to receive with respect to the participation sold to such Participant,
unless the sale of the participation to such Participant is made with the
Borrower's prior written consent. A Participant that would be a Foreign Lender
if it were a Lender shall not be entitled to the benefits of Section 3.01 unless
the Borrower is notified of the participation sold to such Participant and such
Participant agrees, for the benefit of the Borrower, to comply with Section
11.14 as though it were a Lender.

     (f) Any Lender may at any time pledge or assign a security interest in all
or any portion of its rights under this Agreement (including under its Note, if
any) to secure obligations of such Lender,

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including any pledge or assignment to secure obligations to a Federal Reserve
Bank; provided that no such pledge or assignment shall release such Lender from
any of its obligations hereunder or substitute any such pledgee or assignee for
such Lender as a party hereto.

     (g) As used herein, the following terms have the following meanings:

          "Eligible Assignee" means (a) a Lender; (b) an Affiliate of a Lender;
     (c) an Approved Fund; and (d) any other Person (other than a natural
     person) approved by (i) the Administrative Agent (and in the case of an
     assignment of a Revolving Commitment, the L/C Issuer and the Swing Line
     Lender), and (ii) unless an Event of Default has occurred and is
     continuing, the Borrower (each such approval not to be unreasonably
     withheld or delayed); provided that notwithstanding the foregoing,
     "Eligible Assignee" shall not include the Borrower or any of the Borrower's
     Affiliates or Subsidiaries.

          "Fund" means any Person (other than a natural person) that is (or will
     be) engaged in making, purchasing, holding or otherwise investing in
     commercial loans and similar extensions of credit in the ordinary course of
     its business.

          "Approved Fund" means any Fund that is administered or managed by (a)
     a Lender, (b) an Affiliate of a Lender or (c) an entity or an Affiliate of
     an entity that administers or manages a Lender.

     (h) Notwithstanding anything to the contrary contained herein, if at any
time Bank of America assigns all of its Commitment and Loans pursuant to
subsection (b) above, Bank of America may, (i) upon thirty days' notice to the
Borrower and the Lenders, resign as L/C Issuer and/or (ii) upon thirty days'
notice to the Borrower, resign as Swing Line Lender. In the event of any such
resignation as L/C Issuer or Swing Line Lender, the Borrower shall be entitled
to appoint from among the Lenders a successor L/C Issuer or Swing Line Lender
hereunder; provided, however, that no failure by the Borrower to appoint any
such successor shall affect the resignation of Bank of America as L/C Issuer or
Swing Line Lender, as the case may be. If Bank of America resigns as L/C Issuer,
it shall retain all the rights and obligations of the L/C Issuer hereunder with
respect to all Letters of Credit outstanding as of the effective date of its
resignation as L/C Issuer and all L/C Obligations with respect thereto
(including the right to require the Lenders to make Base Rate Loans or fund risk
participations in Unreimbursed Amounts pursuant to Section 2.03(c)). If Bank of
America resigns as Swing Line Lender, it shall retain all the rights of the
Swing Line Lender provided for hereunder with respect to Swing Line Loans made
by it and outstanding as of the effective date of such resignation, including
the right to require the Lenders to make Base Rate Loans or fund risk
participations in outstanding Swing Line Loans pursuant to Section 2.04(c). Upon
the appointment of a successor L/C Issuer and/or Swing Line Lender, (a) such
successor shall succeed to and become vested with all of the rights, powers,
privileges and duties of the retiring L/C Issuer or Swing Line Lender, as the
case may be, and (b) the successor L/C Issuer shall issue letters of credit in
substitution for the Letters of Credit, if any, outstanding at the time of such
succession or make other arrangements satisfactory to Bank of America to
effectively assume the obligations of Bank of America with respect to such
Letters of Credit.

11.07 Confidentiality.

     Each of the Administrative Agent and the Lenders agrees to maintain the
confidentiality of the Information (as defined below), except that Information
may be disclosed (a) to its and its Affiliates' directors, officers, employees,
trustees and agents, including accountants, legal counsel and other advisors (it
being understood that the Persons to whom such disclosure is made will be
informed of the confidential nature of such Information and instructed to keep
such Information confidential); (b) to the

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extent requested by any regulatory authority having jurisdiction over the
Administrative Agent or any Lender (including any self-regulatory authority,
such as the National Association of Insurance Commissioners); (c) to the extent
required by applicable laws or regulations or by any subpoena or similar legal
process; provided, however, that the Administrative Agent and/or such Lender
will give the Borrower as soon as reasonably practicable prior notice of such
disclosure unless such subpoena expressly provides that no such prior notice
shall be given to the Borrower; (d) to any other party to this Agreement; (e) in
connection with the exercise of any remedies hereunder or any suit, action or
proceeding relating to this Agreement or the enforcement of rights hereunder;
(f) subject to an agreement containing provisions substantially the same as
those of this Section, to (i) any Eligible Assignee of or Participant in, or any
prospective Eligible Assignee of or Participant in, any of its rights or
obligations under this Agreement or (ii) any direct or indirect contractual
counterparty or prospective counterparty (or such contractual counterparty's or
prospective counterparty's professional advisor) to any credit derivative
transaction relating to obligations of the Loan Parties; (g) with the consent of
the Borrower; (h) to the extent such Information (i) becomes publicly available
other than as a result of a breach of this Section or (ii) becomes available to
the Administrative Agent or any Lender on a nonconfidential basis from a source
other than the Borrower and the Administrative Agent or such Lender, as the case
may be, does not reasonably suspect that such information was disclosed in
violation of a confidentiality agreement or was otherwise unauthorized by the
Borrower; or (i) to the National Association of Insurance Commissioners or any
other similar organization or any nationally recognized rating agency that
requires access to information about a Lender's or its Affiliates' investment
portfolio in connection with ratings issued with respect to such Lender or its
Affiliates. In addition, the Administrative Agent and the Lenders may disclose
the existence of this Agreement and information about this Agreement to market
data collectors, similar service providers to the lending industry, and service
providers to the Administrative Agent and the Lenders in connection with the
administration and management of this Agreement, the other Loan Documents, the
Commitments, and the Credit Extensions. For the purposes of this Section,
"Information" means all information received from any Loan Party relating to any
Loan Party or its business, other than any such information that is available to
the Administrative Agent or any Lender on a nonconfidential basis prior to
disclosure by any Loan Party. Any Person required to maintain the
confidentiality of Information as provided in this Section shall be considered
to have complied with its obligation to do so if such Person has exercised the
same degree of care to maintain the confidentiality of such Information as such
Person would accord to its own confidential information. Each of the
Administrative Agent, the Lenders and the L/C Issuer acknowledges that (a) the
Information may include material non-public information concerning the Loan
Parties, (b) it has developed compliance procedures regarding the use of
material non-public information and (c) it will handle such material non-public
information in accordance with applicable Law, including Federal and state
securities Laws.

11.08 Set-off.

     In addition to any rights and remedies of the Lenders provided by law, upon
the occurrence and during the continuance of any Event of Default, each Lender,
the L/C Issuer and each of their respective Affiliates is authorized at any time
and from time to time, without prior notice to the Borrower or any other Loan
Party, any such notice being waived by the Borrower (on its own behalf and on
behalf of each Loan Party) to the fullest extent permitted by law, to set off
and apply any and all deposits (general or special, time or demand, provisional
or final) at any time held by, and other indebtedness at any time owing by, such
Lender to or for the credit or the account of the respective Loan Parties
against any and all Obligations owing to such Lender, the L/C Issuer or any such
Affiliate hereunder or under any other Loan Document, now or hereafter existing,
irrespective of whether or not the Administrative Agent, the L/C Issuer or such
Lender shall have made demand under this Agreement or any other Loan Document
and although such Obligations may be contingent or unmatured or denominated in a
currency different from that of the applicable deposit or indebtedness. Each
Lender and the L/C Issuer agrees promptly to notify the Borrower and the
Administrative Agent after any such set-off and application made by such Lender
or

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L/C Issuer; provided, however, that the failure to give such notice shall not
affect the validity of such set-off and application.

11.09 Interest Rate Limitation.

     Notwithstanding anything to the contrary contained in any Loan Document,
the interest paid or agreed to be paid under the Loan Documents shall not exceed
the maximum rate of non-usurious interest permitted by applicable Law (the
"Maximum Rate"). If the Administrative Agent or any Lender shall receive
interest in an amount that exceeds the Maximum Rate, the excess interest shall
be applied to the principal of the Loans or, if it exceeds such unpaid
principal, refunded to the Borrower. In determining whether the interest
contracted for, charged, or received by the Administrative Agent or a Lender
exceeds the Maximum Rate, such Person may, to the extent permitted by applicable
Law, (a) characterize any payment that is not principal as an expense, fee, or
premium rather than interest, (b) exclude voluntary prepayments and the effects
thereof, and (c) amortize, prorate, allocate, and spread in equal or unequal
parts the total amount of interest throughout the contemplated term of the
Obligations hereunder.

11.10 Counterparts.

     This Agreement may be executed in one or more counterparts, each of which
shall be deemed an original, but all of which together shall constitute one and
the same instrument.

11.11 Integration.

     This Agreement, together with the other Loan Documents, comprises the
complete and integrated agreement of the parties on the subject matter hereof
and thereof and supersedes all prior agreements, written or oral, on such
subject matter. In the event of any conflict between the provisions of this
Agreement and those of any other Loan Document, the provisions of this Agreement
shall control; provided that the inclusion of supplemental rights or remedies in
favor of the Administrative Agent or the Lenders in any other Loan Document
shall not be deemed a conflict with this Agreement. Each Loan Document was
drafted with the joint participation of the respective parties thereto and shall
be construed neither against nor in favor of any party, but rather in accordance
with the fair meaning thereof.

11.12 Survival of Representations and Warranties.

     All representations and warranties made hereunder and in any other Loan
Document or other document delivered pursuant hereto or thereto or in connection
herewith or therewith shall survive the execution and delivery hereof and
thereof. Such representations and warranties have been or will be relied upon by
the Administrative Agent and each Lender, regardless of any investigation made
by the Administrative Agent or any Lender or on their behalf and notwithstanding
that the Administrative Agent or any Lender may have had notice or knowledge of
any Default at the time of any Credit Extension, and shall continue in full
force and effect as long as any Loan or any other Obligation hereunder shall
remain unpaid or unsatisfied or any Letter of Credit shall remain outstanding.

11.13 Severability.

     If any provision of this Agreement or the other Loan Documents is held to
be illegal, invalid or unenforceable, (a) the legality, validity and
enforceability of the remaining provisions of this Agreement and the other Loan
Documents shall not be affected or impaired thereby and (b) the parties shall
endeavor in good faith negotiations to replace the illegal, invalid or
unenforceable provisions with valid provisions the economic effect of which
comes as close as possible to that of the illegal, invalid or unenforceable

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provisions. The invalidity of a provision in a particular jurisdiction shall not
invalidate or render unenforceable such provision in any other jurisdiction.

11.14 Tax Forms.

          (a) (i) Each Lender that is not a "United States person" within the
     meaning of Section 7701(a)(30) of the Internal Revenue Code (a "Foreign
     Lender") shall deliver to the Administrative Agent, prior to receipt of any
     payment subject to withholding under the Internal Revenue Code (or upon
     accepting an assignment of an interest herein), two duly signed completed
     copies of either IRS Form W-8BEN or any successor thereto (relating to such
     Foreign Lender and entitling it to an exemption from, or reduction of,
     withholding tax on all payments to be made to such Foreign Lender by the
     Borrower pursuant to this Agreement) or IRS Form W-8ECI or any successor
     thereto (relating to all payments to be made to such Foreign Lender by the
     Borrower pursuant to this Agreement) or such other evidence satisfactory to
     the Borrower and the Administrative Agent that such Foreign Lender is
     entitled to an exemption from, or reduction of, U.S. withholding tax,
     including any exemption pursuant to Section 881(c) of the Internal Revenue
     Code. Thereafter and from time to time, each such Foreign Lender shall (A)
     promptly submit to the Administrative Agent such additional duly completed
     and signed copies of one of such forms (or such successor forms as shall be
     adopted from time to time by the relevant United States taxing authorities)
     as may then be available under then current United States laws and
     regulations to avoid, or such evidence as is satisfactory to the Borrower
     and the Administrative Agent of any available exemption from or reduction
     of, United States withholding taxes in respect of all payments to be made
     to such Foreign Lender by the Borrower pursuant to this Agreement, (B)
     promptly notify the Administrative Agent of any change in circumstances
     which would modify or render invalid any claimed exemption or reduction,
     and (C) take such steps as shall not be materially disadvantageous to it,
     in the reasonable judgment of such Lender, and as may be reasonably
     necessary (including the re-designation of its Lending Office) to avoid any
     requirement of applicable Laws that the Borrower make any deduction or
     withholding for taxes from amounts payable to such Foreign Lender.

          (ii) Each Foreign Lender, to the extent it does not act or ceases to
     act for its own account with respect to any portion of any sums paid or
     payable to such Lender under any of the Loan Documents (for example, in the
     case of a typical participation by such Lender), shall deliver to the
     Administrative Agent on the date when such Foreign Lender ceases to act for
     its own account with respect to any portion of any such sums paid or
     payable, and at such other times as may be necessary in the determination
     of the Administrative Agent (in the reasonable exercise of its discretion),
     (A) two duly signed completed copies of the forms or statements required to
     be provided by such Lender as set forth above, to establish the portion of
     any such sums paid or payable with respect to which such Lender acts for
     its own account that is not subject to U.S. withholding tax, and (B) two
     duly signed completed copies of IRS Form W-8IMY (or any successor thereto),
     together with any information such Lender chooses to transmit with such
     form, and any other certificate or statement of exemption required under
     the Internal Revenue Code, to establish that such Lender is not acting for
     its own account with respect to a portion of any such sums payable to such
     Lender.

          (iii) The Borrower shall not be required to pay any additional amount
     to any Foreign Lender under Section 3.01 (A) with respect to Taxes payable
     in respect of payments under the Loan Documents under laws, regulations and
     treaties in effect on the Closing Date (or, if later, the date any Person
     first becomes a Lender under this Agreement) except to the extent that such
     Person's assignor was entitled to receive additional amounts under Section
     3.01, (B) with respect to any Taxes required to be deducted or withheld on
     the basis of the information, certificates or

                                      101

<PAGE>

     statements of exemption such Lender transmits with an IRS Form W-8IMY
     pursuant to this Section 11.14(a) or (C) if such Lender shall have failed
     to satisfy the foregoing provisions of this Section 11.14(a); provided that
     if such Lender shall have satisfied the requirement of this Section
     11.14(a) on the date such Lender became a Lender or ceased to act for its
     own account with respect to any payment under any of the Loan Documents,
     nothing in this Section 11.14(a) shall relieve the Borrower of its
     obligation to pay any amounts pursuant to Section 3.01 in the event that,
     as a result of any change in any applicable law, treaty or governmental
     rule, regulation or order, or any change in the interpretation,
     administration or application thereof, such Lender is no longer properly
     entitled to deliver forms, certificates or other evidence at a subsequent
     date establishing the fact that such Lender or other Person for the account
     of which such Lender receives any sums payable under any of the Loan
     Documents is not subject to withholding or is subject to withholding at a
     reduced rate.

          (iv) The Administrative Agent may, without reduction, withhold any
     Taxes required to be deducted and withheld from any payment under any of
     the Loan Documents with respect to which the Borrower is not required to
     pay additional amounts under this Section 11.14(a).

     (b) Upon the request of the Administrative Agent, each Lender that is a
"United States person" within the meaning of Section 7701(a)(30) of the Internal
Revenue Code shall deliver to the Administrative Agent two duly signed completed
copies of IRS Form W-9. If such Lender fails to deliver such forms, then the
Administrative Agent may withhold from any interest payment to such Lender an
amount equivalent to the applicable back-up withholding tax imposed by the
Internal Revenue Code, without reduction.

     (c) If any Governmental Authority asserts that the Administrative Agent did
not properly withhold or backup withhold, as the case may be, any tax or other
amount from payments made to or for the account of any Lender, such Lender shall
indemnify the Administrative Agent therefor, including all penalties and
interest, any taxes imposed by any jurisdiction on the amounts payable to the
Administrative Agent under this Section, and costs and expenses (including
Attorney Costs) of the Administrative Agent. The obligation of the Lenders under
this Section shall survive the termination of the Aggregate Revolving
Commitments, repayment of all other Obligations hereunder and the resignation of
the Administrative Agent.

11.15 Replacement of Lenders.

     If (i) any Lender requests compensation under Section 3.04, (ii) the
Borrower is required to pay any additional amount to any Lender or any
Governmental Authority for the account of any Lender pursuant to Section 3.01,
(iii) a Lender (a "Non-Consenting Lender") does not consent to a proposed
amendment, change, waiver, discharge or termination with respect to any Loan
Document that has been approved by the Required Lenders as provided in Section
11.01 but requires unanimous consent of all Lenders or all Lenders directly
affected thereby (as applicable), (iv) any Lender is a Defaulting Lender or (v)
any other circumstance exists hereunder that gives the Borrower the right to
replace a Lender as a party hereto, then the Borrower may, at its sole expense
and effort, upon notice to such Lender and the Administrative Agent, require
such Lender to assign and delegate, without recourse (in accordance with and
subject to the restrictions contained in, and consents required by, Section
11.06), all of its interests, rights and obligations under this Agreement and
the related Loan Documents to an assignee that shall assume such obligations
(which assignee may be another Lender, if a Lender accepts such assignment),
provided that:

          (a) the Borrower shall have paid to the Administrative Agent the
     assignment fee specified in Section 11.06(b);

                                      102

<PAGE>

          (b) such Lender shall have received payment of an amount equal to the
     outstanding principal of its Loans and L/C Advances, accrued interest
     thereon, accrued fees and all other amounts payable to it hereunder and
     under the other Loan Documents (including any amounts under Section 3.05)
     from the assignee (to the extent of such outstanding principal and accrued
     interest and fees) or the Borrower (in the case of all other amounts);

          (c) in the case of any such assignment resulting from a claim for
     compensation under Section 3.04 or payments required to be made pursuant to
     Section 3.01, such assignment will result in a reduction in such
     compensation or payments thereafter;

          (d) such assignment does not conflict with applicable Laws; and

          (e) in the case of any such assignment resulting from a Non-Consenting
     Lender's failure to consent to a proposed change, waiver, discharge or
     termination with respect to any Loan Document, the applicable replacement
     bank, financial institution or Fund consents to the proposed amendment,
     change, waiver, discharge or termination; provided that the failure by such
     Non-Consenting Lender to execute and deliver an Assignment and Assumption
     shall not impair the validity of the removal of such Non-Consenting Lender
     and the mandatory assignment of such Non-Consenting Lender's Commitments
     and outstanding Loans and participations in L/C Obligations and Swing Line
     Loans pursuant to this Section 11.15 shall nevertheless be effective
     without the execution by such Non-Consenting Lender of an Assignment and
     Assumption.

     A Lender shall not be required to make any such assignment or delegation
if, prior thereto, as a result of a waiver by such Lender or otherwise, the
circumstances entitling the Borrower to require such assignment and delegation
cease to apply.

11.16 Governing Law.

     (a) THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH,
the LAW OF THE STATE OF NEW YORK APPLICABLE TO AGREEMENTS MADE AND TO BE
PERFORMED ENTIRELY WITHIN SUCH STATE; PROVIDED THAT THE ADMINISTRATIVE AGENT AND
EACH LENDER SHALL RETAIN ALL RIGHTS ARISING UNDER FEDERAL LAW.

     (b) ANY LEGAL ACTION OR PROCEEDING WITH RESPECT TO THIS AGREEMENT OR ANY
OTHER LOAN DOCUMENT MAY BE BROUGHT IN THE COURTS OF THE STATE OF NEW YORK
SITTING IN NEW YORK, NEW YORK OR OF THE UNITED STATES FOR THE SOUTHERN DISTRICT
OF SUCH STATE, AND BY EXECUTION AND DELIVERY OF THIS AGREEMENT, EACH PARTY
HERETO CONSENTS, FOR ITSELF AND IN RESPECT OF ITS PROPERTY, TO THE NON-EXCLUSIVE
JURISDICTION OF THOSE COURTS. EACH PARTY HERETO IRREVOCABLY WAIVES ANY
OBJECTION, INCLUDING ANY OBJECTION TO THE LAYING OF VENUE OR BASED ON THE
GROUNDS OF FORUM NON CONVENIENS, WHICH IT MAY NOW OR HEREAFTER HAVE TO THE
BRINGING OF ANY ACTION OR PROCEEDING IN SUCH JURISDICTION IN RESPECT OF ANY LOAN
DOCUMENT OR OTHER DOCUMENT RELATED THERETO. EACH PARTY HERETO WAIVES PERSONAL
SERVICE OF ANY SUMMONS, COMPLAINT OR OTHER PROCESS, WHICH MAY BE MADE BY ANY
OTHER MEANS PERMITTED BY THE LAW OF SUCH STATE.

                                      103

<PAGE>

11.17 Waiver of Jury Trial.

     EACH PARTY HERETO HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT
PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY
LEGAL PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS
AGREEMENT OR ANY OTHER LOAN DOCUMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY OR
THEREBY (WHETHER BASED ON CONTRACT, TORT OR ANY OTHER THEORY). EACH PARTY HERETO
(A) CERTIFIES THAT NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PERSON HAS
REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PERSON WOULD NOT, IN THE
EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER AND (B) ACKNOWLEDGES
THAT IT AND THE OTHER PARTIES HERETO HAVE BEEN INDUCED TO ENTER INTO THIS
AGREEMENT AND THE OTHER LOAN DOCUMENTS BY, AMONG OTHER THINGS, THE MUTUAL
WAIVERS AND CERTIFICATIONS IN THIS SECTION.

11.18 USA PATRIOT Act Notice.

     Each Lender that is subject to the Act (as hereinafter defined) and the
Administrative Agent (for itself and not on behalf of any Lender) hereby
notifies the Borrower that pursuant to the requirements of the USA Patriot Act
(Title III of Pub. L. 107-56 (signed into law October 26, 2001)) (the "Act"), it
is required to obtain, verify and record information that identifies the
Borrower, which information includes the name and address of the Borrower and
other information that will allow such Lender or the Administrative Agent, as
applicable, to identify the Borrower in accordance with the Act.

                            [SIGNATURE PAGES FOLLOW]

                                      104

<PAGE>

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed as of the date first above written.

BORROWER:                               PER-SE TECHNOLOGIES, INC.,
                                        a Delaware corporation

                                        By: /s/ Chris E. Perkins
                                            ------------------------------------
                                        Name: Chris E. Perkins
                                        Title: Executive Vice President and
                                               Chief Financial Officer

GUARANTORS:                             KNOWLEDGEABLE HEALTHCARE SOLUTIONS,
                                        INC.,
                                        an Alabama corporation

                                        By: /s/ Chris E. Perkins
                                            ------------------------------------
                                        Name: Chris E. Perkins
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        PATIENT ACCOUNT MANAGEMENT SERVICES,
                                        INC.,
                                        an Ohio corporation

                                        By: /s/ Chris E. Perkins
                                            ------------------------------------
                                        Name: Chris E. Perkins
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        PER-SE TRANSACTION SERVICES, INC.,
                                        an Ohio corporation

                                        By: /s/ Chris E. Perkins
                                            ------------------------------------
                                        Name: Chris E. Perkins
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        PST PRODUCTS, LLC,
                                        a California limited liability company

                                        By: /s/ Chris E. Perkins
                                            ------------------------------------
                                        Name: Chris E. Perkins
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        PST SERVICES, INC.,
                                        a Georgia corporation

                                        By: /s/ Chris E. Perkins
                                            ------------------------------------
                                        Name: Chris E. Perkins
                                        Title: Executive Vice President and
                                               Chief Financial Officer

<PAGE>

                                        NDCHEALTH CORPORATION,
                                        a Delaware corporation

                                        By: /s/ Chris E. Perkins
                                            ------------------------------------
                                        Name: Chris E. Perkins
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        PHYSERV SOLUTIONS, INC.,
                                        a Delaware corporation

                                        By: /s/ Chris E. Perkins
                                            ------------------------------------
                                        Name: Chris E. Perkins
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        NDC OF CANADA, INC.,
                                        a Delaware corporation

                                        By: /s/ Chris E. Perkins
                                            ------------------------------------
                                        Name: Chris E. Perkins
                                        Title: Executive Vice President and
                                               Chief Financial Officer

                                        NDC HEALTH PHARMACY SYSTEMS AND
                                        SERVICES, INC.,
                                        a Delaware corporation

                                        By: /s/ Chris E. Perkins
                                            ------------------------------------
                                        Name: Chris E. Perkins
                                        Title: Executive Vice President and
                                               Chief Financial Officer

ADMINISTRATIVE AGENT:                   BANK OF AMERICA, N.A.,
                                        as Administrative Agent

                                        By: /s/ Kristine Thennes
                                            ------------------------------------
                                        Name: Kristine Thennes
                                        Title: Vice President

LENDERS:                                BANK OF AMERICA, N.A.,
                                        as a Lender, L/C Issuer and Swing Line
                                        Lender

                                        By: /s/ William H. Powell
                                            ------------------------------------
                                        Name: William H. Powell
                                        Title: Senior Vice President

<PAGE>

                                        GENERAL ELECTRIC CAPITAL CORPORATION

                                        By: /s/ David R. Campbell
                                            ------------------------------------
                                        Name: David R. Campbell
                                        Title: Duly Authorized Signatory

                                        WACHOVIA BANK, NATIONAL ASSOCIATION

                                        By: /s/ Richard Nelson
                                            ------------------------------------
                                        Name: Richard Nelson
                                        Title: Vice President

                                        CAROLINA FIRST BANK

                                        By: /s/ Charles D. Chamberlain
                                            ------------------------------------
                                        Name: Charles D. Chamberlain
                                        Title: Executive Vice President<PAGE>
                                                                    Exhibit 10.2

                                                                  CONFORMED COPY

                                   DATA SUPPLY
                             AND SERVICES AGREEMENT

     THIS DATA SUPPLY AND SERVICES AGREEMENT is made and entered into as of
January 6, 2006 (the "Effective Date") by and among NDC Health Information
Services (Arizona) Inc., a Delaware corporation ("Client"), NDCHealth
Corporation, a Delaware corporation ("NDCHealth"), and Per-Se Technologies,
Inc., a Delaware corporation ("Patriot").

                                    RECITALS

     Client is in the business of providing data, analytics and information
management support solutions to pharmaceutical manufacturers, Biotechnology
Firms, Medical Device Manufacturers, Wall Street investment and private equity
firms (buy and sell side) for purposes of their pharmaceutical and biotechnology
analysis and governmental payors, enabling them, among other things, to evaluate
performance, develop strategies and optimize their marketing and sales efforts,
rebate spend and clinical trial recruitment efforts (the "IM Business").

     NDCHealth is in the business of (i) processing, editing and transmitting
pharmacy and medical data between providers (pharmacy, physician, hospital) and
payers (commercial, non-profit and government) and other parties (government
reporting, etc.), (ii) the development, sale and maintenance of systems for the
pharmacy, high volume (mail order, payers), hospital and physician markets and
claims cash flow management systems for the hospital industry and (iii) the
development, sale, license and conveyance of informatics products to the retail
pharmacy industry, Medical Device Manufacturers (limited to utilization review)
and third-party payers.

     Immediately prior to the Effective Date, Client was a wholly owned
subsidiary of NDCHealth. Upon the closing of the transactions contemplated by
that certain Stock Purchase Agreement, dated as of August 26, 2005, by and among
Wolters Kluwer Health, Inc. ("WKHI"), NDCHealth and Client (the "Purchase
Agreement"), WKHI is acquiring, as of the Effective Date, all of the issued and
outstanding equity interests of Client (the "Sale Transaction").

     Simultaneously herewith Client and NDCHealth have entered into a Retail
Informatics Supply and Services Agreement (the "RI Agreement") and a
Contribution Agreement (the "Contribution Agreement").

     Upon the closing of the transactions contemplated by that certain Agreement
and Plan of Merger (the "Merger Agreement"), dated as of August 26, 2005, by and
among Patriot, and NDCHealth, Royal Merger Co., a Delaware corporation and a
wholly owned subsidiary of Patriot ("Purchaser"), Purchaser will merge with and
into NDCHealth (the "Merger") such that NDCHealth will continue as the surviving
corporation and a wholly owned subsidiary of Patriot following the Merger.

<PAGE>

     Prior to consummation of the Sale Transaction, NDCHealth provided to Client
data and related support services through intercompany arrangements. The parties
are entering into this Agreement to set forth the terms and conditions pursuant
to which NDCHealth and Patriot shall provide to Client data and related services
after consummation of the Sale Transaction and the Merger.

     As an integral part of the long-term commercial relationship contemplated
by this Agreement and as a partial inducement to NDCHealth to enter into this
Agreement, Client has agreed to contemporaneously enter into the RI Agreement.

     Capitalized terms shall have the meanings ascribed to them in Section 13 of
this Agreement.

     NOW, THEREFORE, for and in consideration of the above premises, the mutual
promises contained herein and other good and valuable consideration, the receipt
and sufficiency of which are hereby acknowledged, the parties hereto, intending
to be legally bound, hereby agree as follows:

1.   DATA SUPPLY; DE-IDENTIFICATION AND ENCRYPTION; NDCHEALTH CERTIFICATION;
     MONITORING

     (a)  Covered Data. Subject to the terms and conditions of this Agreement,
          during the Term, NDCHealth shall deliver Covered Data to Client.
          NDCHealth shall provide the Covered Data to Client (or, if requested
          by Client, the Permitted Designee) pursuant to the Service Level
          Commitments. Patriot covenants and agrees that it shall use
          commercially reasonable efforts to enable the delivery of Patriot Data
          to Client (or, if requested by Client, the Permitted Designee) via the
          NDC Proprietary Network; provided that the parties acknowledge and
          agree that (i) on the date hereof, none of the Patriot Data Agreements
          allow Patriot to license, transmit or deliver Patriot Data as
          contemplated in this Agreement and (ii) in utilizing its commercially
          reasonable efforts to enable the license, transmission or delivery of
          the Patriot data, Patriot shall not be obligated to agree to pay to
          any third party data provider fees for such Patriot Data.

     (b)  Method and Timing of Delivery. NDCHealth shall deliver the Covered
          Data to Client (or, if requested by Client, the Permitted Designee) in
          accordance with the Data Transmission Protocol. The Covered Data shall
          be deemed delivered to Client when successfully placed on Client's FTP
          Server, as evidenced by NDCHealth's FTP server logs.

     (c)  Alterations to Covered Data and Delivery.

          i.   Notwithstanding the terms of this Agreement, NDCHealth retains
               the right at any time during the Term to alter the content,
               format, method or timing of delivery of the Network Data if
               NDCHealth determines, in its reasonable discretion, exercised in
               accordance with its policies and

                                        2

<PAGE>

               procedures (applied in a non-discriminatory manner with respect
               to similar circumstances) that such alteration is required as a
               result of (i) changes in the Act or other Applicable Laws, (ii)
               the passage of any new Applicable Laws, (iii) the issuance of a
               published interpretation of the Act or any other Applicable Law
               by a Governmental Body, (iv) the inability of NDCHealth to obtain
               Level 1 Certification, or (v) the terms of the Data Agreements
               (each of the enumerated items are hereinafter referred to as a
               "Data Alteration Event"). If NDCHealth determines any such
               alteration is required, NDCHealth will notify Client as soon as
               reasonably practicable and provide Client with an explanation of
               the reasons for the alteration.

          ii.  NDCHealth covenants and agrees that it shall use commercially
               reasonable efforts to cause the terms of the NDC Data Agreements
               first entered into after the Effective Date to permit or, in the
               case of NDC Data Agreements that are executory as of the
               Effective Date, to continue to permit, NDCHealth to license the
               Licensed Data to Client in the manner described in this
               Agreement.

          iii. NDCHealth covenants and agrees that it shall use commercially
               reasonable efforts to ensure that any Informatics Business
               Agreements also constitute NDC Data Agreements.

          iv.  NDCHealth shall use commercially reasonable efforts to provide
               Client with sixty (60) days (or such shorter period as is
               practicable under the circumstances) advance notice of any
               termination or non-renewal of an NDC Data Agreement.

     (d)  Redelivery; Retention of Data.

          i.   If any delivery of Delivered Data is damaged or unreadable and
               Client notifies NDCHealth thereof in writing within five (5) days
               after Client's receipt of such Delivered Data, NDCHealth shall
               transmit to Client replacement Delivered Data within two (2) days
               of its receipt of written notice from Client.

          ii.  NDCHealth shall retain the Network Data in its raw format, prior
               to encryption and de-identification, for a period of the longer
               of six (6) years or such period as may be required by the Act or
               other Applicable Laws. If Client desires that NDCHealth retain
               the Covered Data for longer periods, Client shall provide
               NDCHealth with such a request and NDCHealth shall provide Client
               with an estimate of the resulting increase in costs to NDCHealth.
               If Client agrees in writing to reimburse NDCHealth an amount
               equal to the lesser of such estimated increase in costs and
               NDCHealth's actual increase in costs pursuant to Section 6(b)(ii)
               of this Agreement, NDCHealth shall extend its retention of the
               Covered Data for such longer period.

                                        3

<PAGE>

     (e)  License Grant; Support and Maintenance.

          i.   The parties acknowledge that pursuant to the Contribution
               Agreement, NDCHealth has conveyed to Client, subject to the terms
               and conditions of the Contribution Agreement, all of NDCHealth's
               right, title and interest in and to the Encryption Engine, other
               than the Key (as defined in the Contribution Agreement). In
               connection with the ownership and license rights set forth in
               Section 1.2 of the Contribution Agreement and subject to the
               terms and conditions of this Agreement, Client hereby grants to
               NDCHealth and NDCHealth hereby accepts a non-exclusive,
               fully-paid, world-wide, irrevocable, royalty-free license for the
               sole purpose of engaging in the following activities during the
               Term: (A) internal use of the Encryption Engine for purposes of
               performing its obligations under and pursuant to this Agreement
               and the RI Agreement; (B) to perform data restoration as agreed
               upon in writing by the parties; and (C) any other use as agreed
               upon in writing by the parties. NDCHealth agrees that it shall
               not transfer or sublicense any of its rights set forth in this
               paragraph except in connection with an assignment of this
               Agreement in accordance with Section 12(b).

     (f)  De-Identification and Encryption of Delivered Data. Before delivering
          Covered Data and (to the extent authorized for delivery) Patriot Data
          to Client, NDCHealth shall de-identify the Covered Data and Patriot
          Data to Level 1 De-Identification and shall utilize the Encryption
          Engine to encrypt such Covered Data and Patriot Data.

     (g)  Data Certification. NDCHealth shall provide Client with Level I
          Certifications in accordance with the Data Security Requirements.

     (h)  DISCLAIMER. CLIENT ACKNOWLEDGES THAT THE COMPLETENESS OF THE DATA
          ELEMENTS INCLUDED IN THE DELIVERED DATA IS DEPENDENT ON THE DATA
          ELEMENTS INCLUDED IN THE CLAIMS DATA RECEIVED BY NDCHEALTH OR PATRIOT
          FROM THE PHARMACIES AND HEALTH CARE PROVIDERS PROVIDING SUCH DATA.
          NEITHER NDCHEALTH NOR PATRIOT MAKE ANY REPRESENTATIONS OR WARRANTIES
          REGARDING THE DELIVERED DATA, AND HEREBY DISCLAIM ALL IMPLIED
          WARRANTIES, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF
          MERCHANTABILITY FITNESS FOR A PARTICULAR PURPOSE, COMPLETEDNESS, AND
          ACCURACY.

     (i)  Discovery of PHI. Client shall notify NDCHealth immediately if Client
          becomes aware of (a) any PHI included in the Delivered Data or (b) any
          unauthorized access, use, disclosure, modification or destruction of
          information or interference in the operation of any information system
          maintained by Client containing

                                        4

<PAGE>

          Delivered Data. Following such notice, Client shall consult with
          NDCHealth regarding treatment and handling of the Delivered Data
          determined to contain PHI and shall destroy all Delivered Data
          including PHI in a manner satisfactory to NDCHealth and shall certify
          such destruction to NDCHealth in writing.

2.   LICENSE TO USE LICENSED DATA; PROHIBITED USES OF COVERED DATA; OWNERSHIP

     (a)  Licenses.

          i.   Exclusive License. Subject to the terms, conditions, and
               restrictions set forth in this Agreement and any limitations
               imposed by Applicable Laws, NDCHealth and Patriot hereby grant to
               Client an exclusive, world-wide, non-transferable (except to the
               extent this Agreement is transferred in accordance with its
               terms) license to the Network Data for use by Client in the IM
               Field, for a period of ten (10) years commencing on the Effective
               Date in accordance with terms and conditions of this Agreement.
               Notwithstanding the foregoing, nothing in this Agreement shall
               prohibit NDCHealth or Patriot from continuing to license the
               Network Data pursuant to existing NDCHealth or Patriot customer
               contracts, including any extensions or renewals thereof.

          ii.  Non-Exclusive License. Subject to the terms, conditions and
               restrictions set forth in this Agreement and any limitations
               imposed by Applicable Laws, NDCHealth and Patriot hereby grant to
               Client during the Term a non-exclusive, world-wide,
               non-transferable (except to the extent this Agreement is
               transferred in accordance with its terms) license to the Network
               Data for all lawful uses except in the NDC Field.

     (b)  Scope of Use of Delivered Data.

          i.   Subject to the restrictions set forth in this Agreement, Client
               shall be permitted to use, copy, extract, compile, assimilate,
               manipulate, analyze and otherwise process and modify the Licensed
               Data and to the extent authorized for delivery the Patriot Data
               for purposes of incorporating the Delivered Data into Certified
               Products and may license, sublicense, transmit and distribute the
               Licensed Data and to the extent authorized for delivery of the
               Patriot Data, as incorporated into Certified Products, to third
               parties in accordance with the terms of this Agreement.

          ii.  As a condition to Client's license to any third party of the
               Delivered Data, as incorporated into Certified Products, Client
               shall first enter into a written agreement with such third party
               which contains terms sufficient to restrict such third party's
               use of the Delivered Data included in the Certified Products in a
               manner consistent with the Data Security Requirements. Such
               agreements shall include, without limitation, (a) a

                                        5

<PAGE>

               right for Client to cease providing Certified Products to such
               third party if such third party uses the Delivered Data included
               in the Certified Products in any manner prohibited by this
               Agreement, the Act or other Applicable Laws, (b) an express
               obligation not to employ the Delivered Data for any Prohibited
               Use, and (c) an express right for Client to audit such third
               party on terms consistent with NDCHealth's rights under Section
               4(a). Client covenants and agrees that it will audit each such
               third party described in this paragraph both on a periodic basis
               and upon the reasonable request of NDCHealth and/or Patriot, and
               will deliver the results of each such audit promptly to NDC
               Health and Patriot.

     (c)  Certain Covenants. Notwithstanding the licenses granted pursuant to
          this Section 2 or any other term of this Agreement, Client covenants
          and agrees that it shall not engage, and shall not cause or permit any
          Person acting on its behalf or at its direction to engage, at any time
          in any Prohibited Use of the Delivered Data. NDCHealth and Patriot
          each covenants and agrees that during the Term, it shall not (i) use
          the Network Data actually purchased by Client (or, during the first
          five (5) years of the Term, actually delivered to Client) to create,
          sell or deliver the IM Products in the IM Field, or (ii) license or
          sell any Network Data actually purchased by Client (or, during the
          first five (5) years of the Term, actually delivered to Client) to the
          IM Party for use in the IM Field. Subject to the provisions of the
          second sentence of Section 2(a)(i), NDC Health and Patriot each
          covenants and agrees that during the first five (5) years of the Term,
          NDCHealth shall not use the NDC Proprietary Network, and Patriot shall
          not use a like network controlled by Patriot, to process data for use
          in the IM Field by any third party and thereafter for the remainder of
          the Term for use in the IM Field by the IM Party.

     (d)  Survival. The licenses granted pursuant to this Section 2 shall
          survive the expiration or earlier termination of this Agreement with
          respect to Network Data provided to Client before the effective date
          of such expiration or termination, provided Client remains in
          compliance with all material terms and conditions of this Agreement
          applicable to such Network Data and provided further that any such
          surviving license shall, in respect of Network Data initially licensed
          exclusively, revert to a non-exclusive license six years after the
          date of purchase or delivery (whichever is earlier) but in any event
          not sooner than the end of the tenth year of the Term.

     (e)  Ownership of Data. As between the parties, (i) all rights in and to
          the Network Data (including, but not limited to, all intellectual
          property rights therein) shall remain the property of NDCHealth,
          Patriot or such other licensor of the Network Data to NDCHealth or
          Patriot, and (ii) all rights in and to the Certified Products
          (including, but not limited to, all intellectual property rights
          therein) shall remain the property of Client. Client shall acquire no
          right, title or interest in or to the Network Data except as otherwise
          expressly provided in this Section 2. Nothing in this Agreement shall
          be deemed to confer upon NDCHealth, Patriot or any

                                        6

<PAGE>

          other Person any right, title or interest in or to the Client Data
          (including, but not limited to, all intellectual property rights
          therein) except as necessary to perform NDCHealth's obligations
          hereunder. Client Data shall remain the property of Client or such
          other licensor of the Client Data to Client.

3.   CLIENT CERTIFICATIONS

     (a)  Security Certifications. Client shall provide NDCHealth with annual
          Level II Certifications and an annual Security Certification in
          accordance with the Data Security Requirements.

     (b)  Level II Certification. Prior to any offer for sale, sale, license,
          delivery or other conveyance by Client, or by any Person acting on
          Client's behalf or at Client's direction, of a Covered Data Product,
          Client shall provide NDCHealth with Level II Certifications for such
          Covered Data Product in accordance with the Data Security
          Requirements.

     (c)  Level III Certifications. Any material change or modification to (i) a
          Certified Product; (ii) the permitted or prohibited uses of a
          Certified Product or (iii) any ad hoc or non-standard deliverable or
          product that has not received a Level II Certification must be
          preceded by a Level III Certification delivered to and approved by
          NDCHealth pursuant to this Section 3(c). The implementation of any
          material change or modification to a Certified Product or to the
          permitted or prohibited uses thereof that has not been preceded by a
          Level III Certification delivered to NDCHealth in accordance with the
          Data Security Requirements and this Section 3(c) shall result in the
          affected Covered Data Product(s) no longer constituting Certified
          Products for purposes of this Agreement. For purposes of this
          Agreement, any modification to a Certified Product or to its permitted
          or prohibited uses shall be deemed material if, in NDCHealth's
          reasonable discretion exercised in accordance with NDCHealth's
          policies and procedures (applied in a non-discriminatory manner with
          respect to similar circumstances), such modification could reasonably
          be expected to adversely impact the validity of the Level II or Level
          III Certification applicable to such Certified Product.

     (d)  Form of Certifications. Each Client Certification shall be signed by a
          Qualified Statistician reasonably acceptable to NDCHealth. All fees
          and expenses incurred by Client in obtaining the Client Certifications
          shall be borne by Client.

     (e)  Additional Certifications. If any third party from which NDCHealth
          obtains data that is included within the Delivered Data is entitled,
          pursuant to a Data Agreement governing the provision of such data, to
          receive certifications, in addition to those set forth in this Section
          3, Client shall provide such certifications as a condition to the
          inclusion within the Delivered Data of the data provided by such third
          party.

                                        7

<PAGE>

     Client may at any time at Client's reasonable discretion, upon ninety (90)
     days' prior written notice to NDCHealth, alter any aspects of the policies
     and procedures relating to Client's determination of whether to issue a
     particular Client Certification; provided that, if at any time during the
     90-day notice period set forth in this paragraph, NDC determines, in its
     reasonable discretion, that a proposed alteration would not be consistent
     with this Agreement (including the Data Security Requirements) the Act,
     Applicable Laws or the NDC Data Agreements, Client will refrain from
     effecting the proposed alteration until such time as NDCHealth has
     consented in writing to the proposed alteration. Client shall promptly
     notify NDCHealth upon learning of any unsuccessful, unauthorized, access,
     use, disclosure modification or interference with the NDC Proprietary
     Network or involving any Network Data.

4.   AUDIT RIGHTS AND DATA SUSPENSION

     (a)  Audit Rights. Subject to the provisions of this Section 4, NDCHealth
          may, at any time upon reasonable notice to Client, engage a third
          party auditor reasonably acceptable to Client to inspect and audit the
          systems, operations, processes, records and leased and owned premises
          of Client (or of any Person performing services on behalf of or at the
          direction of Client) that relate to or impact in any material respect
          the transmission, processing or storage of the Delivered Data or the
          sale, license, delivery, distribution or other conveyance of any
          Covered Data Product for purposes of confirming Client's compliance
          with the terms, conditions and requirements of this Agreement. Client
          shall include in its contracts with Persons performing functions on
          behalf of or at the direction of Client and lessor of premises to
          Client, which functions or premises are within the scope of the audit
          rights afforded NDCHealth pursuant to this Section 4(a), terms
          requiring such Persons to grant NDCHealth sufficient access to such
          Persons' systems, processes, operations, records and premises to
          enable NDCHealth to exercise fully its rights hereunder; provided that
          Client shall not be required to include in its leases such terms if
          Client otherwise has the right to allow NDCHealth access to such
          premises. NDCHealth may engage a third party, reasonably acceptable to
          Client, to perform audits in accordance with this Section 4(a) on
          behalf of NDCHealth, provided (i) such third party is not engaged in a
          business that is competitive with the business engaged in by Client
          and (ii) such third party enters into a confidentiality or similar
          agreement placing reasonable restrictions on such third party's use of
          any confidential information of Client obtained by the third party
          during its performance of the audit. For purposes of this Section
          4(a), "reasonable notice" means notice of at least five (5) calendar
          days, or such shorter period that NDCHealth demonstrates it reasonably
          requires; provided, however, that NDCHealth shall be permitted to
          exercise its audit rights under this Section 4(a) immediately and
          without advance notice if the audit pertains to a suspected breach of
          the terms of Section 2(a), 2(b) or 2(c) of this Agreement or a
          suspected violation of the Act or other Applicable Laws. NDCHealth may
          perform an audit under this Section 4(a) no more often than once in
          any six (6) month period, except that NDCHealth may perform such
          audits more often if the audit pertains to a suspected breach of the
          terms of Section 2(a), 2(b) or 2(c) of this Agreement

                                        8

<PAGE>

          or a suspected violation of the Act or other Applicable Laws, or if
          otherwise required under the Act or any other Applicable Laws, or if
          required by a court or another Governmental Body. Client shall
          cooperate, as reasonably requested by NDCHealth, in any audits
          performed on behalf of NDCHealth (or by any third party engaged by
          NDCHealth) pursuant to this Section 4(a). Any audits performed on
          behalf of NDCHealth (or a third party engaged by NDCHealth) pursuant
          to this Section 4(a) shall be conducted at the expense of NDCHealth.
          During the Term, and for a period of six (6) years thereafter, or for
          such longer period as may be required by the Act or other Applicable
          Laws, Client shall retain sufficient historical business records, for
          a period of at least six (6) years, to evidence compliance with its
          obligations under this Agreement, the Act and all other Applicable
          Laws. Any notice of NDCHealth's intent to conduct an audit pursuant to
          this Section 4(a) shall be provided in writing to an individual
          designated by Client to receive such notice, and to Client at the
          address specified in Section 12(d) of this Agreement. Any audit
          conducted pursuant to this Section 4(a) shall be conducted so as to
          minimize any disruption to the conduct of Client's day-to-day
          operations to the extent reasonably possible in light of the
          circumstances, and otherwise in a commercially reasonable manner.

     (b)  Data Suspension. If NDCHealth or its auditor determines, in its
          reasonable discretion, whether as a result of an audit performed
          pursuant to Section 4(a) or otherwise, a Data Alteration Event has
          occurred or that any change in Client's transmission, use or storage
          of the Delivered Data or any Certified Product (i) constitutes a
          breach of the terms of Section 2(a), 2(b) or 2(c) of this Agreement,
          (ii) is not in compliance with the Act, other Applicable Laws or the
          terms of any Data Agreement, or (iii) poses greater than a Very Small
          risk that Delivered Data in a particular Covered Data Category could
          be used or disclosed in a manner to identify individuals, NDCHealth
          shall immediately notify Client of such determination, and NDCHealth
          may, upon delivery of such notice, suspend transmission of all
          Delivered Data included in each Covered Data Category which NDCHealth
          or its auditor determines, in its reasonable, good faith discretion,
          should be suspended in response to such Data Alteration Event or in
          order to eliminate such breach, non-compliance or greater risk. In
          such event (a "Data Suspension Event"), NDCHealth shall (i) continue
          to produce, but withhold delivery of, the Delivered Data included in
          each suspended Covered Data Category, (ii) store all Delivered Data
          produced during such Data Suspension Event and included in each
          suspended Covered Data Category, and (iii) upon a joint determination
          by the parties that delivery of the Delivered Data included in a
          suspended Covered Data Category may be resumed in compliance with the
          Act, other Applicable Laws and the terms of this Agreement and the NDC
          Data Agreements, transmit such stored Delivered Data to Client and
          resume ongoing delivery of the Covered Data included in such Covered
          Data Category. Client shall continue to pay for all Delivered Data
          produced during such Data Suspension Event included in each suspended
          Covered Data Category on a monthly basis as if such Delivered Data had
          been delivered to Client if such Data Suspension Event arises from any
          action or failure to act on the part of Client. If

                                        9

<PAGE>

          Client is not required to pay for Network Data pursuant to the
          preceding sentence, then upon any such Data Suspension Event, the Data
          Providers may sell or license any Network Data subject to such Data
          Suspension Event provided that if any third party makes a bona fide
          offer to purchase or license such Network Data, Data Provider shall
          first offer to Client the right to resume paying for such Network Data
          and Client shall promptly notify Data Provider whether it will resume
          paying for such Network Data, failing which Data Provider shall be
          free to sell or license such Network Data to the third-party offeror.

5.   SERVICES

     (a)  Data Support Services. During the first five (5) years of the Term,
          NDCHealth shall make available to Client employees of NDCHealth with
          sufficient experience and expertise in operational matters related to
          the collection and transmission of the Delivered Data (excluding
          certification services, except to the extent such services are
          provided pursuant to the Transition Services Agreement) to provide
          reasonable data support services to Client. The parties anticipate
          that the data support services shall be provided primarily by
          telephone and email communications. Notwithstanding the foregoing, if
          requested by Client, NDCHealth shall provide the data support services
          on-site at Client facilities at Client's cost and expenses (including
          reasonable travel expense); provided that Client must provide
          NDCHealth with reasonable advance notice of a request for on-site
          support. NDCHealth shall cause any of its employees providing Data
          Support Services at Client facilities to comply with all rules and
          guidelines of Client applicable to conduct in its premises, including
          security protocols. NDCHealth shall be responsible for the conduct of
          its employees while present in Client facilities and shall take all
          reasonable precautions to prevent the occurrence of any injury to
          persons or property or any interference with the operations of Client.

     (b)  Messaging Services.

          i.   Subject to Applicable Laws, the terms of NDCHealth's agreements
               with its pharmacy customers and Client's compliance with the
               terms of this Section 5(b), during the Term, NDCHealth shall
               continue to allow Client to utilize the NDC Proprietary Network
               to provide the Existing Messaging Programs in a manner
               consistent, in all material respects (including with respect to
               the types, sizes and volume of messages transmitted), with the
               manner in which such Existing Messaging Programs were provided
               prior to the Effective Date.

          ii.  In consideration of the use of the NDC Proprietary Network for
               the creation and delivery of Existing Messaging Programs and any
               additional Messaging products offered by the parties pursuant to
               Section 5(b)(iv), the Client shall pay to NDCHealth an amount
               equal to one-half of Net Messaging Revenue, and Client shall
               simultaneously distribute allocable

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<PAGE>

               costs in the calculation of Net Messaging Revenue to the party
               incurring such costs.

          iii. Client represents, warrants and covenants that all Messages
               created and delivered by NDCHealth pursuant to this Section 5(b),
               the manner of delivery of such Messages (except to the extent
               solely determined and controlled by NDCHealth), the delivery
               thereof and the use of PHI in connection therewith shall comply
               with all Applicable Laws, including without limitation, all
               applicable regulations promulgated by the Food and Drug
               Administration and all other Governmental Bodies that regulate
               the activities relating to such Messages.

          iv.  If (i) Client requests during the Term that any Existing
               Messaging Program or the manner in which NDCHealth creates or
               delivers an Existing Messaging Program be modified to include new
               features or functionality or that any new or additional Messaging
               in addition to the Existing Messaging Programs be developed and
               offered, or (ii) changes in technology or Applicable Laws require
               or make advisable changes in any such Messaging or the manner in
               which NDCHealth creates or delivers such Messaging, the parties
               shall negotiate in good faith the terms of any such modifications
               or development, including costs, if any, to be charged by
               NDCHealth to Client for its modification or development of such
               Messaging, and any regulatory or other approvals, licenses or
               consents necessary or advisable under Applicable Laws to permit
               the creation and delivery of such Messaging as so modified or
               developed. If the parties are unable to agree upon the terms of
               any such modification or development, NDCHealth shall not be
               required to proceed with such modification or development.

          v.   Client shall use commercially reasonable efforts to utilize the
               NDC Proprietary Network for pharmaceutical sponsored letter
               programs; provided (i) NDCHealth's price for such services are
               competitive and (ii) Client shall offer NDCHealth any business
               opportunities related to such programs provided NDCHealth can
               match the best price for such product or service being offered
               with respect to such pharmaceutical sponsored letter program.

          vi.  The parties shall, in good faith, cooperate to jointly develop
               and commercialize "ePrescribing" products utilizing the NDC
               Proprietary Network. To the extent the parties are able to
               jointly develop and commercialize any contemplated ePrescribing
               products, net revenues attributable to the commercialization of
               such ePrescribing products shall be shared equally between the
               parties. To the extent the parties are unable to agree upon the
               joint development and commercialization of any contemplated
               ePrescribing products, either party shall be free to develop

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<PAGE>

               and commercialize such product independently and without the
               participation of the other party.

     (c)  Destruction and Use of the Key.

          i.   The parties acknowledge that, as of the Effective Date, Client's
               mainframe system located in the Client Data Center includes one
               or more copies of the Key. Client shall locate and destroy all
               backup and other copies of the Key in the possession of Client or
               any of its agents. Client hereby covenants that, from and after
               the Effective Date, Client shall not, in any manner or for any
               purpose, access or use the Key or permit any other Person to do
               so except in accordance with the Escrow Agreement. If Client
               becomes aware of any such event it shall notify NDCHealth
               immediately.

          ii.  Except as may be permitted pursuant to the terms of the Escrow
               Agreement, NDCHealth acknowledges and agrees that it shall have
               no right to transfer, copy, use, license or otherwise dispose of
               the Key for any purpose except to the extent necessary to provide
               the Key Account Services and to encrypt the Covered Data in
               accordance with the terms of this Agreement.

     (d)  Data Extraction Tool. During the period preceding the Effective Date,
          the parties were engaged in an initiative pursuant to which NDCHealth
          was developing an extraction tool (the "Extraction Tool") to be
          integrated into NDCHealth's Lytec and Medisoft practice management
          systems, which tool would enable physician data to be extracted (such
          data the "Extracted Physician Data") from data provided by physicians
          and relating to such physicians' practices, pursuant to the
          physicians' express consent, employing such practice management
          systems and delivered to the NDCHealth Proprietary Network for
          subsequent use to support certain product offerings of Client. The
          parties agree that if they elect, they will continue their respective
          efforts with respect to such initiative, including, in the case of
          NDCHealth, the further development of the Extraction Tool and in the
          case of Client, the payment of $300,000 (the "Extraction Tool
          Development Fee") to NDCHealth. In consideration of the development
          and implementation of the Extraction Tool, Client may pay to NDCHealth
          the Extraction Tool Development Fee promptly after the Extraction
          Tool, in a form reasonably acceptable to Client, has been implemented
          in a manner reasonably acceptable to Client. The implementation and
          rollout of the Extraction Tool and the terms of any use of Extracted
          Physician Data in support of Client products shall be subject to terms
          agreed upon by the parties, if at all, in writing after the Effective
          Date.

     (e)  Existing PHI Products. The parties acknowledge that, as of the
          Effective Date, NDCHealth supports and provides PHI Data Sets for
          Client's delivery of the Existing PHI Products pursuant to the PHI
          Agreements. Subject to any restrictions or prohibitions that may be
          imposed under the Act, other Applicable

                                       12

<PAGE>

          Laws or the terms of NDC Data Agreements, NDCHealth shall continue to
          support and supply PHI Data Sets for the sale of Existing PHI Products
          pursuant to and in accordance with the terms of the PHI Agreements, in
          a manner consistent with the Service Level Commitments and in
          accordance with Section 5(d). If Client desires during the Term, that
          NDCHealth support and provide data for New PHI Products in addition to
          the Existing PHI Products (or that represent modifications to Existing
          PHI Products), or if Client desires to enter into new agreements for
          the sale of Existing PHI Products or to amend existing PHI Agreements,
          NDCHealth shall cooperate in good faith with Client in such
          initiatives, provided that NDCHealth retains the right to decline to
          support and provide data for New PHI Products in its reasonable
          discretion. Any such additional or modified support and provision of
          data that NDCHealth elects to provide shall be on terms agreed upon by
          the parties in writing; provided, however, that if the parties are
          unable to agree, NDCHealth shall not be required to provide such
          additional or modified support and provision of data. Subject to
          receipt of appropriate patient authorizations that comply with the Act
          and written consents from the appropriate pharmacies, each in form
          reasonably satisfactory to NDCHealth, NDCHealth shall cooperate in
          good faith with Client regarding the release to Client of data related
          to Existing PHI Products and New PHI Products (to the extent NDCHealth
          elects to provide such New PHI Products).

     (f)  Key Account Services. The parties acknowledge that, as of the
          Effective Date, NDCHealth maintains and supports a database of PHI
          Data Sets in order to provide data products pursuant to the Key
          Account Agreements. The parties further acknowledge that compliance
          with the Act will require that, as of the Effective Date, products
          that are offered pursuant to Key Account Agreements be serviced by
          employees of NDCHealth. NDCHealth covenants and agrees that at all
          times during the Term, it shall utilize the services of four (4) (or
          such other appropriate number as Client may reasonably request)
          NDCHealth employees (the "Key Account Personnel") to provide the Key
          Account Services. NDCHealth may select the employees to serve in such
          functions in its discretion, provided each such employee shall be
          reasonably acceptable to Client and sufficiently experienced and
          qualified to support the applicable products in a professional and
          workmanlike manner. NDCHealth shall charge Client for the services
          provided by the Key Account Personnel pursuant to Section 6(b)(i) of
          this Agreement. If Client desires that NDCHealth provide additional or
          modified data or support with respect to the Key Account Agreements or
          the customers thereunder, NDCHealth shall cooperate in good faith with
          Client in such initiatives, provided that NDCHealth retains the right
          to decline to provide such support and data in its reasonable
          discretion (other than renewals of existing Key Account Agreements on
          similar terms). Any such additional or modified support and data that
          NDCHealth may elect to provide shall be on terms agreed upon by the
          parties in writing; provided, however, that if the parties are unable
          to agree, NDCHealth shall not be required to provide such additional
          or modified support and data.

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<PAGE>

     (g)  Informatics Products. Subject to timely delivery of the relevant
          retail informatics products from Client pursuant to the RI Agreement
          (the "Retail Informatics Products"), NDCHealth shall continue to
          deliver Retail Informatics Products pursuant to the terms of the
          Walgreens Agreement and the Albertson's Agreement in accordance with
          the existing terms thereof until the expiration or earlier termination
          of the Walgreens Agreement and the Albertson's Agreement,
          respectively. In the case of the Walgreens Agreement, (i) NDCHealth
          shall invoice Walgreens directly for amounts payable with respect to
          the Retail Informatics Products provided pursuant to the Walgreens
          Agreement, and NDCHealth shall retain all amounts paid by Walgreens
          with respect to such products, and (ii) invoicing and payments with
          respect to the Certified Products provided by Client pursuant to the
          Walgreens Agreement shall be directly between Client and Walgreens.
          Subject to timely delivery of Retail Informatics Products from Client
          pursuant to the RI Agreement, in the case of the Albertson's
          Agreement, NDCHealth shall continue to deliver the Retail Informatics
          Products pursuant to the terms of such agreement, but shall not
          receive payment in exchange for providing such products.

     (h)  Use of NDCHealth Premises by Client Employees. The parties acknowledge
          that as of the Effective Date seven (7) employees of Client are
          provided with office space at NDCHealth Corporation, NDC Plaza,
          Atlanta, Georgia, and one (1) employee of Client is provided with
          office space at 6100 South Yale Avenue, Suite 1900, Tulsa, Oklahoma
          74136. During the Term, NDCHealth shall continue to allow such Client
          employees (or new employees who replace such employees) to occupy and
          utilize, without charge, similar office space and facilities at such
          premises (or any similar premises to which NDCHealth may relocate
          during the Term). Client shall cause its employees occupying such
          premises to comply with all rules and guidelines of NDCHealth
          applicable to conduct in its premises, including security protocols.
          Client shall be responsible for the conduct of its employees while
          present in NDCHealth facilities and shall take all reasonable
          precautions to prevent the occurrence of any injury to persons or
          property or any interference with the operations of NDCHealth.

     (i)  Serono. NDCHealth and Client shall continue to perform their
          respective obligations under the Serono Agreement in accordance with
          the terms thereof and in a manner consistent with their practices as
          of the Effective Date. All revenues received pursuant to the Serono
          Agreement with respect to periods after the Effective Date shall be
          shared equally between the parties.

     (j)  New Services. Client may request from time to time during the Term
          that NDCHealth provide to Client New Services in addition to those
          described in this Section 5 as required to be provided to Client as of
          the Effective Date. By way of example, the parties contemplate that
          New Services may include activities related to the (i) transition of
          data feeds for certain Client Data to direct data feeds to Client's
          Data Center, and (ii) the outsourcing by Client of certain portions of
          its information technology infrastructure. NDCHealth shall cooperate
          in good faith

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<PAGE>

          regarding any requests by Client that NDCHealth perform New Services.
          The terms and conditions pursuant to which NDCHealth would provide New
          Services, including any fees that would be payable by Client to
          NDCHealth in consideration of its performance thereof, shall be agreed
          upon by the parties in writing prior to the commencement of the
          performance of any New Services by NDCHealth; provided, however, that
          if the parties are unable to agree on the terms and conditions
          pursuant to which NDCHealth would provide any New Services, NDCHealth
          shall not be required to provide such New Services.

6. PAYMENTS AND INVOICING

     (a)  Fees. The parties have agreed to allocate $40,000,000 of the purchase
          price paid to NDCHealthpursuant to the Purchase Agreement as partial
          consideration for the performance by NDCHealth of its obligations
          under this Agreement and the license to the Licensed Data and NDC
          Proprietary Network granted to Client hereunder. Client shall pay fees
          to the Data Provider as set forth on the Fee Schedule as further
          consideration for the performance by the Data Providers of their
          obligations under this Agreement and the license to the Delivered Data
          and NDC Proprietary Network granted to Client hereunder.

     (b)  Reimbursement of Costs. Client shall be subject to the following
          additional charges (collectively, the "NDC Expenses"):

          i.   Client shall reimburse NDCHealth for all salary, bonus and
               benefits costs incurred by NDCHealth in connection with its
               employment of the Key Account Personnel during the Term; provided
               that NDCHealth shall consult with Client before paying any bonus
               or other compensation other than in the ordinary course of
               business.

          ii.  To the extent NDCHealth agrees, in its discretion, to provide any
               modified data or modified services hereunder or any modifications
               in the manner in which data or services are provided hereunder,
               such modifications shall be agreed upon in writing in advance by
               the parties. In addition to the payment to NDCHealth of any fees
               that may be agreed upon by the parties in connection with such
               modifications, Client shall reimburse NDCHealth for any actual
               additional costs incurred by NDCHealth as a result of such
               modifications, and shall reimburse NDCHealth for the actual cost
               of all travel, travel-related (including food, lodging and
               incidental) and out-of-pocket expenses incurred by NDCHealth
               employees in performing the Data Support Services at Client
               sites, provided in each case that such expenses are reasonable
               and evidenced by sufficient documentation provided to Client.

     (c)  Fees for New Services. Any fees payable by Client to NDCHealth in
          connection with NDCHealth's performance of New Services shall be
          agreed upon by the parties in writing pursuant to Section 5(i).

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<PAGE>

     (d)  Payment and Invoice. Within fifteen (15) days after the end of each
          calendar month during the Term, NDCHealth shall invoice Client for
          amounts, if any, that may be due under this Agreement with respect to
          such month. Each invoice shall provide in reasonable detail a
          breakdown of the amounts invoiced by the categories of fees, NDC
          Expenses and New Services, as applicable. Client shall pay to
          NDCHealth all invoiced amounts not in dispute within thirty (30) days
          of Client's receipt of each invoice.

     (e)  Withholding of Disputed Amounts. Client shall have the right to
          dispute in good faith any amount included in any invoice delivered
          pursuant to this Agreement and to withhold from payment of any such
          invoice the amount in dispute. If any invoice is disputed, the
          undisputed amount shall be timely paid and the parties shall negotiate
          in good faith a resolution for the remainder; provided, however, that
          if the parties cannot reach agreement on any disputed amount, the
          matter shall be resolved in accordance with Section 10 of this
          Agreement. If Client disputes the amount of any invoice, it shall
          provide NDCHealth with a written notice setting forth the disputed
          amount and the reasons therefor. Any deduction of a disputed amount of
          an invoice that is not specifically agreed to by NDCHealth in writing
          and that finally is determined to have been improperly withheld shall
          be paid promptly by Client, plus interest thereon computed at a rate
          equal to one-half percent (0.5%) per month of the improperly withheld
          amount, accruing from the date when payment was due until the date
          paid.

     (f)  Late Fees. NDCHealth may assess Client a late payment charge on any
          amount not in dispute that remains unpaid by Client after it is due,
          computed at a rate equal to one-half percent (0.5%) per month of the
          unpaid amount accruing from the date when payment was due until the
          date paid.

     (g)  Taxes. Client shall be responsible for all sales, use, transfer,
          privilege, excise, charges; surcharges; or other taxes, however
          designated, which are levied or imposed by a Governmental Body by
          reason of the transactions contemplated hereby, excluding income taxes
          which may be levied against NDCHealth.

     (h)  Audit Rights. Either party may, at any time upon reasonable notice to
          the other party, inspect and audit the books and records of such other
          party for purposes of confirming the accuracy of amounts invoiced
          pursuant to this Agreement (but not more than once in any six month
          period) pursuant to this Agreement. Each Party may engage a third
          party to perform audits in accordance with this Section 6(h) on behalf
          of such party, provided (i) such third party is not engaged in a
          business that is competitive with the business engaged in by the party
          being audited, and (ii) such third party enters into a confidentiality
          or similar agreement placing reasonable restrictions on such party's
          use of any confidential information of the audited party obtained by
          the third party during its performance of the audit. Audits conducted
          pursuant to this Section 6(h) shall be conducted in a manner that does
          not unreasonably disrupt or delay such party's business operations and
          in compliance with the reasonable security procedures of such party.
          The party

                                       16

<PAGE>

          being audited shall cooperate, as reasonably requested, in any audits
          performed by the auditing party (or by any third party engaged by such
          auditing party) pursuant to this Section 6(h). For purposes of this
          Section 6(h), "reasonable notice" means notice of at least five (5)
          calendar days or such shorter period that the auditing party
          demonstrates it reasonably requires. Any audits performed pursuant to
          this Section 6(h) shall be conducted at the expense of the auditing
          party. Each party shall retain sufficient historical business records,
          for a period of at least three (3) years, to evidence the accuracy of
          the amounts invoiced to the other pursuant to this Agreement during
          the Term and for a period of three (3) years thereafter.

7. TERM; TERMINATION AND TERMINATION ASSISTANCE

     (a)  Term. The term of this Agreement (the "Term") shall begin on the
          Effective Date and, unless terminated earlier pursuant to Section 7(c)
          or Section 7(d) or extended pursuant to Section 7(b), shall continue
          until 12:01 a.m. Atlanta, Georgia time on the twentieth (20th)
          anniversary thereof.

     (b)  Extension of Term. Unless NDCHealth provides written notice to the
          Client no less than six (6) months prior to the end of the Term that
          NDCHealth will not extend the Term, the parties shall negotiate in
          good faith the terms and conditions applicable to, and the duration
          of, an extension of the Term. If the parties have not agreed upon the
          terms and conditions applicable to an extension of the Term by the
          date two (2) months prior to the expiration of the Term, this
          Agreement shall expire at the end of the Term.

     (c)  NDCHealth Rights to Terminate. NDCHealth may terminate this Agreement
          immediately upon the occurrence of any one or more of the following
          events:

          i.   Subject to the provisions of Section 6(e), upon Client's
               non-payment of amounts owed to NDCHealth or Patriot within thirty
               (30) days following an arbitrator's final award in NDCHealth's or
               Partriot's favor in accordance with Section 10 of this Agreement;
               or

          ii.  upon (A) the adjudication of Client to be bankrupt or insolvent,
               (B) the filing of a petition in bankruptcy or insolvency by or
               against Client, or the filing of a petition seeking the
               appointment of a receiver with respect to all or a substantial
               part of the property of Client, (C) the filing by Client of a
               petition seeking reorganization of its debts or financial
               structure under a law relating to insolvency or bankruptcy, or
               (D) the institution by Client of any proceedings for liquidation
               or winding up of its business (other than for purposes of
               reorganization, consolidation or merger), provided that Client
               shall have sixty (60) days to obtain a stay from or dismiss any
               filings under this Section 7(c)(ii) that are commenced by
               third-parties.

     (d)  Client Rights to Terminate. Client may terminate this Agreement
          immediately upon (A) the adjudication of NDCHealth to be bankrupt or
          insolvent, (B) the

                                       17

<PAGE>

          filing of a petition in bankruptcy or insolvency by or against
          NDCHealth, or the filing of a petition seeking the appointment of a
          receiver with respect to all or a substantial part of the property of
          NDCHealth, (C) the filing by NDCHealth of a petition seeking
          reorganization of its debts or financial structure under a law
          relating to insolvency or bankruptcy, or (D) the institution by
          NDCHealth of any proceedings for liquidation or winding up of its
          business (other than for purposes of reorganization, consolidation or
          merger), provided that NDCHealth shall have sixty (60) days to obtain
          a stay from or dismiss any filings under this Section 7(d) that are
          commenced by third-parties.

8. CONFIDENTIALITY

     (a)  Definition of Confidential Information. As used herein, the term
          "Confidential Information" means information in the possession or
          under the control of a party relating to a party's technical,
          marketing, product and business affairs, including customer, prospect,
          price, and other proprietary and trade secret information, whether
          oral, graphic, written, electronic or in machine readable form, and
          includes all computer programs (and source code therefor), all amounts
          paid or payable to NDCHealth under Section 6 hereof, all information
          relating to the payment of such amounts, all proposals, plans,
          programs, analyses, compilations, forecasts, studies or other
          documents prepared by a party or by them jointly relating to the
          subject matter of this Agreement, including the terms of this
          Agreement. Confidential Information does not include information which
          (i) was in the public domain before disclosure, (ii) becomes part of
          the public domain after disclosure by a publication or other means
          except by a breach of this Agreement by the receiving party, (iii) was
          received from a third party under no duty or obligation of
          confidentiality to the disclosing party, or (iv) was independently
          developed by the receiving party without reference to Confidential
          Information.

     (b)  Use of Confidential Information. Each party acknowledges that it and
          its affiliates, and its or their respective employees, agents and/or
          subcontractors, has had prior to the Effective Date, and/or will have
          in performing its obligations and/or exercising rights under this
          Agreement, access to or be directly or indirectly exposed to
          Confidential Information of the other party. Except as may be required
          to: (i) facilitate either party's performance of its obligations
          and/or exercise of its rights under this Agreement; or (ii) comply
          with any applicable law, court order or Exchange Rule, each party
          covenants and agrees that it shall hold confidential all Confidential
          Information of the other party and shall not use or disclose such
          Confidential Information without the express consent of the disclosing
          party. Each party shall take reasonable measures and efforts to
          provide protection for the disclosing party's Confidential
          Information, including measures at least as strict as those the
          receiving party uses to protect its own Confidential Information. A
          party may disclose Confidential Information of the other party only
          with such other party's prior written consent or as otherwise required
          by law, court order or Exchange Rule; provided that in each case the
          parties shall use all

                                       18

<PAGE>

          reasonable efforts to limit the disclosure and maintain
          confidentiality of such Confidential Information to the extent
          reasonably possible. If a party is served with a court or
          administrative order requiring any disclosure of the other party's
          Confidential Information, or determines that it is obligated to
          disclose the other party's Confidential Information pursuant to an
          Exchange Rule, the party receiving such order or bound by such
          Exchange Rule shall immediately notify the other party in writing of
          such service or determination and fully comply with the provisions of
          Section 8(c) of this Agreement. Upon termination or other expiration
          of this Agreement, all Confidential Information disclosed by a party
          to a receiving party shall be returned to the disclosing party or,
          upon the request of the disclosing party, shall be promptly destroyed
          and certified as destroyed by the receiving party; provided, however,
          that any Covered Data shall not be returned or destroyed, but shall be
          maintained in accordance with this Agreement. The obligations of the
          parties under this Section 8 shall survive the expiration or
          termination of this Agreement. Without limiting the generality of this
          Section 8, Client covenants and agrees that, except to the extent
          expressly required pursuant to law, court order or Exchange Rule, it
          shall not, without the prior written consent of NDCHealth, disclose to
          any Person that NDCHealth is the source of the Covered Data.

     (c)  Notice of Orders Requiring Disclosure of Confidential Information.
          Each party shall immediately notify the other party in writing of any
          subpoena, order (judicial or administrative) or Exchange Rule
          requiring disclosure of Confidential Information obtained from the
          other party. The party whose Confidential Information is sought to be
          disclosed may, at such party's cost, attempt to prevent or limit the
          disclosure by appropriate legal means prior to any such disclosure
          being made. Each party shall cooperate fully with the other party in
          challenging any subpoena, order or Exchange Rule requiring disclosure
          of Confidential Information.

     (d)  Equitable Remedies. The parties acknowledge and agree that irreparable
          harm would result to a party upon any breach of the covenants
          contained in this Section 8 by the other party and that damages
          arising out of such breach may be difficult to ascertain. Therefore,
          the parties agree that, in addition to all other remedies provided at
          law or in equity, the non-breaching party may seek, without bond, from
          a court of law or equity both temporary and permanent injunctive
          relief to prevent a breach of any of such covenants.

9. INDEMNIFICATION AND REMEDIES

     (a)  Obligation to Indemnify. Each party (the "Indemnifying Party") shall
          hold harmless, indemnify and defend the other party (the "Indemnified
          Party") against all third party claims and shall pay all costs,
          damages and attorneys' fees, arising out of or resulting from (i) any
          breach by the Indemnifying Party of any of its representations,
          warranties, covenants or agreements contained in this Agreement, or
          (ii) any breach by the Indemnifying Party of the Act or other
          Applicable Laws.

                                       19

<PAGE>

          Each party agrees that the provisions contained in this Section 9
          shall survive the termination or expiration of this Agreement.

     (b)  Indemnification Procedures.

          i.   Promptly after receipt by any Indemnified Party under this
               Section 9 of notice of the commencement or threatened
               commencement of any action, proceeding or other claim by a third
               party involving a claim in respect of which the Indemnified Party
               will seek indemnification, the Indemnified Party shall notify the
               Indemnifying Party of such claim in writing and provide to the
               Indemnifying Party all reasonably available information
               requested. Subject to the provisions of Section 9(c)(iv), no
               failure to so notify an Indemnifying Party shall relieve it of
               its obligations under this Agreement except to the extent that it
               can demonstrate damages attributable to such failure. Within
               thirty (30) days following receipt of notice and such reasonably
               available information from the Indemnified Party relating to any
               claim, but no later than ten (10) days before the date on which
               any response to a complaint or summons is due (the applicable
               period referred to herein as the "Notice Period"), the
               Indemnifying Party shall notify the Indemnified Party in writing
               if the Indemnifying Party assumes full responsibility to
               indemnify, defend and hold harmless the Indemnified Party and
               elects to assume control of the defense and settlement of that
               claim (a "Notice of Election"). During the Notice Period, the
               Indemnified Party shall use commercially reasonable efforts to
               extend the date on which a response to the claim is due until the
               Indemnifying Party has provided its Notice of Election. The
               Indemnifying Party shall be responsible for all costs and
               expenses related to such claim (including reasonable legal fees
               and disbursements and reasonable out-of-pocket costs of
               investigation and litigation) incurred by the Indemnified Party
               ("Costs and Expenses") during the Notice Period if the
               Indemnifying Party is obligated to indemnify the Indemnified
               Party.

          ii.  If the Indemnifying Party delivers a Notice of Election relating
               to any claim within the required Notice Period, the Indemnifying
               Party shall be entitled to have sole control over the defense and
               settlement of such claim; provided, however, that (i) the
               Indemnified Party shall be entitled to participate in the defense
               of such claim and to employ counsel at its own expense to assist
               in the handling of such claim, and (ii) the Indemnifying Party
               shall obtain the prior written approval of the Indemnified Party
               before entering into any settlement of such claim or ceasing to
               defend against such claim. The Indemnified Party shall not
               unreasonably withhold its consent to any such settlement,
               provided that it shall be deemed reasonable to withhold consent
               if the settlement would cause harm to the reputation of the
               Indemnified Party. After the Indemnifying Party has delivered a
               Notice of Election relating to any claim in accordance with the
               preceding paragraph, the Indemnifying Party shall not be liable
               to the

                                       20

<PAGE>

               Indemnified Party for any legal expenses incurred by such
               Indemnified Party in connection with the defense of that claim.
               In addition, the Indemnifying Party shall not be required to
               indemnify the Indemnified Party for any amount paid or payable by
               such Indemnified Party in the settlement of any claim for which
               the Indemnifying Party has delivered a timely Notice of Election
               if such amount was agreed to without the written consent of the
               Indemnifying Party.

          iii. If the Indemnifying Party does not deliver a Notice of Election
               relating to any claim within the Notice Period, or otherwise
               fails to acknowledge its indemnification obligations, the
               Indemnified Party shall have the right to defend the claim in
               such manner as it may deem appropriate, at the cost and expense
               of the Indemnifying Party. The Indemnifying Party shall promptly
               reimburse the Indemnified Party for all Costs and Expenses
               related to such claim. If no Notice of Election is delivered, the
               Indemnified Party may settle any such claim without the consent
               of the Indemnifying Party, except that the Indemnified Party must
               use reasonable commercial efforts to reduce the amount of any
               such settlement. If it is determined that the Indemnifying Party
               failed to defend a claim for which it was liable, the
               Indemnifying Party shall not be entitled to challenge the amount
               of any settlement or compromise paid by the Indemnified Party.

     (c) Liability Limitations.

          i.   In no event shall either NDCHealth or Patriot have any liability,
               whether based on contract, tort (including, without limitation,
               negligence), warranty or any other legal or equitable grounds,
               for any punitive, special, or exemplary loss or damage suffered
               by Client arising from or related to this Agreement even if the
               party providing the services hereunder is advised of the
               possibility of such losses or damages, provided that these
               limitations shall not apply to consequential damages or lost
               profits. Notwithstanding anything in this Agreement to the
               contrary, in no event (1) shall the Data Providers' aggregate
               liability with respect to a single event or circumstance giving
               rise to a claim for damages by Client exceed $100,000 and (2)
               shall the Data Providers' aggregate liability pursuant to this
               Section 9 exceed $2,000,000.

          ii.  Without limiting Client's rights more specifically set forth in
               Section 9(a) above, NDCHealth acknowledges that any breach of
               this Agreement by NDCHealth will cause Client irreparable harm
               the nature of which cannot be measured or remedied by monetary
               damages alone and, accordingly, in the event of any breach of
               this Agreement by NDCHealth, Client shall be entitled to seek
               equitable relief including, without limitation, specific
               performance and injunctive relief.

                                       21

<PAGE>

          iii. Without limiting NDCHealth's rights more specifically set forth
               in Section 9(a) above, Client acknowledges that any breach of
               this Agreement by Client will cause NDCHealth irreparable harm
               the nature of which cannot be measured or remedied by monetary
               damages alone and, accordingly, in the event of any breach of
               this Agreement by Client, NDCHealth shall be entitled to seek
               equitable relief including, without limitation, specific
               performance and injunctive relief.

          iv.  Notwithstanding anything contained herein, in no event shall the
               Indemnifying Party be liable for indemnification pursuant to this
               Section 9 if the Indemnified Party fails to provide notice to the
               Indemnifying Party pursuant to Section 9(b)(i) within two (2)
               years after the Indemnified Party obtains knowledge of the event,
               act, fact or circumstances giving rise to such claim.

10. DISPUTE RESOLUTION

     All disputes arising under this Agreement that the parties' designated
     representatives cannot first resolve by negotiating in good faith shall be
     resolved by arbitration in accordance with the Commercial Arbitration Rules
     (collectively, the "AAA Rules") of the American Arbitration Association.
     Arbitration shall be by a panel of three arbitrators experienced in the
     matters at issue and selected jointly by NDCHealth and Client in accordance
     with the AAA Rules. The arbitration shall be held in such place in
     Charlotte, North Carolina as may be specified by the arbitrators (or any
     place agreed to by NDCHealth, Client and the arbitrators). The decision of
     the arbitrators shall be final and binding as to any matters submitted
     under this Agreement and shall not be subject to judicial review. Judgment
     on the arbitration award may be entered and enforced in any court having
     jurisdiction over the parties or their assets. It is the intent of the
     parties that the arbitration provisions hereof be enforced to the fullest
     extent permitted by Applicable Laws. All costs and expenses incurred in
     connection with any such arbitration proceeding (including reasonable
     attorneys' fees) shall be borne by the party against which the decision is
     rendered, or, if no decision is rendered, such costs and expenses
     (including reasonable attorneys' fees) shall be borne by the party
     incurring such costs and expenses. If the arbitrators' decision is a
     compromise, the determination of which party bears the costs and expenses
     incurred in connection with any such arbitration proceeding shall be made
     by the arbitrators on the basis of the arbitrators' assessment of the
     relative merits of the parties' positions. Nothing contained in this
     Section 10 or elsewhere in this Agreement shall prevent or delay a party
     from seeking injunctive relief of any issue for which injunctive relief is
     sought by either party hereto.

11. NON-COMPETITION AND NON-SOLICITATION

     (a)  For a period of five (5) years after the Effective Date, Client shall
          not solicit (other than through the use of general employment
          advertising where such solicitation is not targeted at NDCHealth's
          employees) or hire any employees of NDCHealth without the prior
          written consent of NDCHealth; provided, however, that (i) if

                                       22

<PAGE>

          NDCHealth terminates an employee's employment with NDCHealth, with or
          without cause, the foregoing restrictions shall not apply from and
          after the date of such employee's termination, and (ii) if an employee
          of NDCHealth terminates his or her employment with NDCHealth, Client
          may solicit and hire the former employee without the consent of
          NDCHealth at any time after twelve (12) months following such
          employee's termination from NDCHealth.

     (b)  In consideration for the licenses granted herein, and in order to
          induce the Data Providers to enter into and perform this Agreement and
          to ensure that they obtain the benefits they reasonably expect to
          obtain hereunder, Client covenants and agrees that for a period
          commencing on the Effective Date and ending on the fifth (5th)
          anniversary of the Effective Date, Client shall not, directly or
          through its Subsidiaries (as such term is defined in the Purchase
          Agreement):

          (i)  engage in, or own an equity or profit interest in any business
               which engages in, the provision of those types of products and
               services to those markets, in each case set forth on Schedule
               11(b), in the United States (collectively, "Restricted
               Activities"); provided, however, that it will not be deemed a
               breach of this clause (i) if (A) Client and its Subsidiaries
               collectively own beneficially or of record in the aggregate less
               than five percent (5%) of any class of security which is publicly
               traded on a national securities exchange or actively traded in a
               recognized over-the-counter market, (B) Client engages in any
               activities contemplated or permitted by this Agreement or the
               Retail Informatics Data and Services Agreement, or (C) Client or
               any of its Subsidiaries acquires (and thereafter, owns and
               operates) all or any part of the stock and/or assets of any
               company or entity (the "Acquired Business") provided that the
               trailing twelve-month revenues derived by the Acquired Business
               from Restricted Activities do not exceed twenty percent (20%) of
               the total revenues of the Acquired Business during such
               twelve-month period, provided that Client sells, transfers or
               otherwise disposes of, to any third-party which is not an
               Affiliate of Client, that portion of the applicable Acquired
               Business or discontinues that portion of the Acquired Business in
               its entirety within eighteen (18) months after acquiring the
               Acquired Business; or

          (ii) induce or attempt to persuade any customer of the Business to
               terminate such relationship.

     (c)  Client expressly acknowledges that (i) each of the covenants contained
          in this Section 11 are integral to and in consideration for the Data
          Providers' granting of the licenses hereunder and (ii) without the
          protection of such covenants, Data Providers would not have entered
          into this Agreement, (iii) the value and benefit of the licenses
          granted by Data Providers hereunder bears no relationship to the
          damages Data Providers may suffer in the event of any breach of any of
          the covenants of this Section 11, and (iv) such covenants contain
          limitations as to time, geographical area and/or scope of activity to
          be restrained which are

                                       23

<PAGE>

          reasonable and necessary to protect Data Providers' business
          interests. If this Section 11 shall nevertheless for any reason be
          held to be excessively broad as to time, duration, geographical scope,
          activity or subject, it shall be enforceable to the fullest extent
          compatible with applicable laws that shall then apply. Client hereby
          further acknowledges that money damages will be impossible to
          calculate and may not adequately compensate the Data Providers in
          connection with an actual or threatened breach by Client of any of the
          provisions of this Section 11. Accordingly, Client, on its own behalf
          and on behalf of its Subsidiaries, hereby expressly waives all rights
          to raise the adequacy of Data Providers' remedies at law as a defense
          if either Data Provider seeks to enforce by injunction or other
          equitable relief the due and proper performance and observance of the
          provisions of this Section 11. In addition, Data Providers shall be
          entitled to pursue any other available remedies at law or equity,
          including the recovery of money damages, in respect of the actual or
          threatened breach of the provisions of this Section 11.

     (d)  Client hereby expressly waives any right to assert inadequacy of
          consideration as a defense to enforcement of the non-competition
          covenants in this Section 11 should such enforcement ever become
          necessary.

     (e)  For so long as Client has any continuing obligations pursuant to this
          Section 11, any successor by merger to Client or any purchaser,
          transferee or licensee of any assets of Client constituting
          substantially all of the assets of any reporting segment of Client as
          of the date hereof shall assume, perform and otherwise be bound by the
          obligations of Client set forth in this Section 11, and Client shall
          condition any such sale, transfer or license on the agreement by such
          purchaser, transferee or licensee to be bound by the obligations set
          forth in this Section 11.

12. MISCELLANEOUS

     (a)  No waiver, modification or alteration of any of the provisions of this
          Agreement shall be binding unless approved in writing by a duly
          authorized representative of the party to be so bound. Notwithstanding
          any provision of this Agreement to the contrary, the parties agree to
          take such action as is necessary to amend this Agreement from time to
          time as is necessary for either party to comply with the requirements
          of the Act, including the Privacy and Security Rules thereof, as
          amended from time to time, and any privacy, security, or other
          administrative simplification regulations promulgated pursuant
          thereto.

     (b)  This Agreement may not be assigned (by operation of law or otherwise)
          by either party in whole or in part without the prior written consent
          of the other party. For purposes of this Section 12(b), a Change in
          Control of Client involving a competitor of NDCHealth or Patriot shall
          be deemed to constitute an assignment of this Agreement. Neither the
          merger of NDCHealth with Royal Merger Co., nor the merger of WKHI with
          Client shall be deemed an assignment of this

                                       24

<PAGE>

          Agreement or any right hereunder. Any assignment in violation of this
          Section 12(b) shall be null and void.

     (c)  This Agreement shall be construed in accordance with the laws of the
          State of Georgia, without regard to conflicts of laws provisions.

     (d)  All notices hereunder shall be in writing and shall be conclusively
          deemed to have been received and shall be effective (i) on the day on
          which delivered if delivered personally or transmitted by facsimile
          transmission, (ii) one business day after the date on which the same
          is delivered to a nationally recognized overnight courier service, or
          (iii) three business days after being sent by registered or certified
          United States mail, return receipt requested, and shall be addressed:

          i.   If to Client, to:

               NDC Health Information Services (Arizona) Inc.
               c/o Wolters Kluwer Health, Inc.
               530 Walnut Street, 7th Floor
               Philadelphia, PA 19106
               Attn: Jeffery A. McCaulley
               Telephone: 215-521-8503
               Facsimile: 215-521-8484

          ii. If to NDCHealth, to:

               NDCHealth Corporation
               c/o Per-Se Technologies, Inc.
               1145 Sanctuary Parkway, Suite 200
               Alpharetta, Georgia 30004
               Facsimile: (770) 237-4323
               Attn: General Counsel

          ii. If to Patriot, to:

               Per-Se Technologies, Inc.
               1145 Sanctuary Parkway, Suite 200
               Alpharetta, Georgia 30004
               Facsimile: (770) 237-4323
               Attn: General Counsel

          Either party may change its address for notices upon written notice to
          the other party.

     (e)  Nothing in this Agreement shall be construed so as to constitute
          Client, NDCHealth or Patriot as joint venturers, partners, or agents
          of each other, and

                                       25

<PAGE>

          neither Client on the one hand nor NDCHealth or Patriot on the other
          hand shall have the power to obligate or bind the other in any way
          whatsoever.

     (f)  Neither party shall be deemed in default of this Agreement to the
          extent that performance of its obligations or attempts to cure any
          breach are delayed, restricted, or prevented by reason of any act of
          God or Governmental Body, fire, natural disaster, labor stoppage, the
          failure of necessary power systems or connections, or any other act or
          condition beyond the reasonable control of the parties, provided that
          the party so affected suspends performance only to the extent and for
          the duration that is reasonably required by the force majeure event
          and uses its commercially reasonable efforts to avoid or remove the
          causes of non-performance and continues performance promptly after
          those causes are avoided or removed.

     (g)  Headings and captions throughout this Agreement are inserted only as a
          matter of convenience and for reference and they in no way define,
          limit, or describe the scope of this Agreement or the intent of any
          provision hereof.

     (h)  While the parties have used their best efforts to ensure that this
          Agreement accurately reflects the commitments and undertakings
          required of each in order to ensure an orderly transition of the
          intercompany relationship of the parties without material disruption
          to their respective businesses, they agree to cooperate in good faith
          if after the Effective Date either party believes that it is
          appropriate for the parties to take further actions or provide further
          assurances, as may be reasonably required and agreed upon by the
          parties to implement and give effect to the understandings of the
          parties set forth herein. Without limiting the generality of the
          foregoing, each party shall, at any time and from time to time,
          execute, acknowledge and deliver or cause to be done, executed,
          acknowledged and delivered, all such further documents, assurances or
          things, and secure all necessary consents, as may be reasonably
          required for the more perfect observance and performance by the
          parties of the terms of this Agreement.

     (i)  Time is of the essence with respect the obligations of each of the
          parties to this Agreement.

     (j)  This Agreement may be executed in two or more counterparts, each of
          which shall be deemed an original and all of which together shall
          constitute one and the same document.

     (k)  This Agreement constitutes the entire agreement between the parties
          and supersedes all prior agreements, promises, proposals,
          representations, understandings and negotiations, whether written or
          oral, between the parties respecting the subject matter hereof.

     (l)  This Agreement shall be binding upon, and inure to the benefit of,
          each party's authorized successors and assigns including any
          successors or assigns to such

                                       26

<PAGE>

          party's business and assets.

     (m)  This Agreement shall not become effective unless and until the Retail
          Informatics Agreement is duly executed and delivered by the parties.

13. CERTAIN DEFINITIONS

As used in this Agreement, the following terms shall have the following
meanings:

"AAA Rules" shall have the meaning ascribed to such term in Section 10 of this
Agreement.

"Act" shall mean the Health Insurance Portability and Accountability Act of
1996, as amended, and any regulations issued thereunder.

"Agreement" shall mean this Data Supply and Services Agreement and all Exhibits
and Schedules hereto.

"Albertsons Agreement" shall mean that certain Service Agreement by and between
Pharmaceutical Data Services, Inc. and Albertsons, Inc. dated September 15, 1992
as amended by those Addenda dated December 5, 1995, January 27, 1998, and
January 1, 2004.

"Applicable Laws" shall mean all applicable laws (including those arising under
common law), statutes, codes, rules, regulations, reporting or licensing
requirements, ordinances and other pronouncements having the effect of law of
the United States, any foreign country or any domestic or foreign state, county,
city or other political subdivision, including those promulgated, interpreted or
enforced by any Governmental Body.

"Biotechnology Firm" means an entity applying scientific techniques utilizing
living organisms, or substances from such organisms, to manufacture or modify
products for pharmaceutical use or to develop micro-organisms for specific
medical treatments.

"Certified Product" shall mean a Covered Data Product for which a Level II or
Level III Certification has been issued, and has not been revoked, pursuant to
the Data Security Requirements.

"Change in Control" shall mean any of the following, whether in a single
transaction or a series of related transactions: (a) (i) the merger,
consolidation or other business combination of a party with or into another
Person; (ii) the merger, consolidation or other business combination of another
Person with or into a party; or (iii) the acquisition by any Person of any
equity interests in a party, in each case with the effect that, immediately
after such transaction, the shareholders of such party immediately prior to such
transaction hold none of, or less than a majority in interest of, the total
voting power entitled to vote in the election of directors, managers or trustees
of the Person surviving such transaction or less than fifty percent of the
economic interests in such Person, or (b) the acquisition by any Person or
related group of Persons, by way of merger, sale, transfer, consolidation or
other business combination or acquisition of all or substantially all of the
assets, business or properties of a party. Notwithstanding the foregoing,
neither the merger

                                       27

<PAGE>

of NDCHealth with Royal Acquisition Corp., nor the merger of WKHI with Client,
shall be deemed to be a "Change in Control" hereunder.

"Client" shall have the meaning ascribed to such term in the Preamble of this
Agreement.

"Client Certification" shall mean any Security Certification, Level II
Certification or Level III Certification.

"Client Data" shall mean data provided to Client pursuant to Client Data
Agreements and processed by NDCHealth using the NDC Proprietary Network and
otherwise in accordance with this Agreement.

"Client Data Agreement" shall mean an agreement among Client and one or more
third parties pursuant to which Client receives from such third party an
electronic record of a single transaction or interaction between one Patient and
one Health Care Provider, or between two Health Care Providers, which record
does not, to Client's knowledge, contain PHI.

"Client Data Center" shall mean the facility owned or otherwise controlled by
Client and dedicated to receiving and processing Covered Data in connection with
the conduct of the IM Business, which facility is, as of the Effective Date,
located at 2394 East Camelback Road, Phoenix, Arizona. Client shall notify
NDCHealth in writing of any change in the physical location of the Client Data
Center.

"Client's FTP Server" shall mean the computer server designated by Client to
receive Covered Data in accordance with the Data Transmission Protocol, which
server is, as of the Effective Date, located at the Client Data Center.

"Confidential Information" shall have the meaning ascribed to such term in
Section 8(a) of this Agreement.

"Contribution Agreement" shall have the meaning ascribed to such term in the
Recitals of this Agreement.

"Costs and Expenses" shall have the meaning ascribed to such term in Section
9(b)(i) of this Agreement.

"Covered Data" shall mean Licensed Data and Client Data.

"Covered Data Category" shall mean a particular type of Delivered Data sharing
one or more common attributes such as the identity of the entity from whom the
Delivered Data is received, a particular discrete item of data (e.g., date of
birth) or other identifiable characteristic.

"Covered Data Product" shall mean any data, report, study, analysis, service or
product that includes, is based upon or derived from (whether alone or in
combination with any other data) any portion of the Delivered Data or any Legacy
Covered Data.

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<PAGE>

"Data Agreement" means any NDC Data Agreement or any Patriot Data Agreement.

"Data Acquisition Costs" shall mean any consideration paid by, or additional
costs (other than costs arising solely in connection with the Service Level
Commitments, Data Security Requirements, Maintenance, Training and Support and
related obligations of the Data Providers under this Agreement) incurred, paid
or otherwise borne by any Data Provider to induce any third party to (i) agree
to renew or extend the term of any Data Agreement or (ii) authorize the license
of any Network Data pursuant to such Data Agreement.

"Data Alteration Event" shall have the meaning ascribed to such term in Section
1(c)(i) of this Agreement.

"Data Providers" shall mean NDCHealth and Patriot.

"Data Security Requirements" shall mean the procedures, certifications and
methods for processing, handling, storing and disclosing PHI Data Sets set forth
in Exhibit D attached hereto.

"Data Suspension Event" shall have the meaning ascribed to such term in Section
4(b) of this Agreement.

"Data Transmission Protocol" shall mean the electronic transmission of Delivered
Data in accordance with the Service Level Commitments.

"Delivered Data" shall mean Network Data and Client Data.

"Effective Date" shall have the meaning ascribed to such term in the Preamble of
this Agreement.

"Encryption Engine" shall mean certain software developed by NDCHealth prior to
the Effective Date and useful for encrypting PHI Data Sets using the advanced
encryption standard, a symmetric algorithm that utilizes block encryption and
meets the requirements of Federal Information Processing Standard 197 as
approved by the United States Department of Commerce, the Encryption Engine
being the Algorithm referred to in Section 1.2(a) of the Contribution Agreement.

"Escrow Agreement" shall mean the escrow agreement among NDCHealth, Client and
Iron Mountain Intellectual Property Management Co., Inc., as Escrow Agent,
entered into pursuant to the Contribution Agreement.

"Exchange Rule" shall mean any rules of any exchange or other trading
environment in which the securities of a party are publicly traded.

"Existing Messaging Programs" shall mean the Messaging products more
specifically described in Exhibit E attached hereto.

                                       29

<PAGE>

"Existing PHI Products" shall mean the products provided pursuant to those
agreements, more specifically described in Exhibit G attached hereto.

"Extracted Physician Data" shall have the meaning ascribed to such term in
Section 5(d). "Extraction Tool" shall have the meaning ascribed to such term in
Section 5(d).

"Extraction Tool Development Fee" shall have the meaning ascribed to such term
in Section 5(d).

"Fee Schedule" means the schedule of fees to be paid by Client to NDCHealth set
forth on Exhibit F attached hereto.

"Governmental Body" means any government or governmental or regulatory body
thereof, or political subdivision thereof, whether federal, state, local or
foreign, or any agency, instrumentality or authority thereof, or any court or
arbitrator (public or private).

"Gross Messaging Revenues" shall mean gross revenues received by the parties
from their joint efforts with respect to the provision and sale of
Pharmaceutical Messaging Products provided during the Term.

"Health Care Provider" shall have the meaning ascribed to such term in the Act.

"IM Business" shall have the meaning ascribed to such term in the Recitals of
this Agreement.

"IM Field" shall mean the provision of IM Products to pharmaceutical
manufacturers, Biotechnology Firms, Medical Device Manufacturers and Wall Street
investment and private equity firms (buy and sell side).

"IM Party" shall mean IMS Health Incorporated.

"IM Products" shall mean the types of products set forth on Exhibit H.

"Indemnified Party" shall have the meaning ascribed to such term in Section 9(a)
of this Agreement.

"Indemnifying Party" shall have the meaning ascribed to such term in Section
9(a) of this Agreement.

"Individual" shall have the meaning ascribed to such term in the Act.

"Informatics Business Agreements" shall mean (i) agreements between NDCHealth
and any other Person entered into after the Effective Date which provide for the
delivery to NDCHealth of PHI Data Sets, and (ii) agreements amending agreements
to which NDCHealth was a party prior to the Effective Date which either (x)
include within their scope the delivery, to NDCHealth, of PHI Data Sets or (y)
contemplate, among other things, an amendment providing for the delivery to
NDCHealth of PHI Data Sets.

                                       30

<PAGE>

"Informatics Field" shall mean the provision of informatics products derived
from PHI Data Sets to the Retail Pharmacy Industry.

"Key" shall mean the proprietary encryption key useful for both encrypting and
de-encrypting Covered Data processed by the Encryption Engine.

"Key Account Agreements" shall mean the agreements more specifically described
in Exhibit G attached hereto and such other agreements as Client may enter into
after the Effective Date in accordance with Section 5(e) of this Agreement.

"Key Account Personnel" shall have the meaning ascribed to such term in Section
5(f) of this Agreement.

"Key Account Services" shall mean the services required to be provided pursuant
to the Key Account Agreements set forth on Exhibit G.

"Legacy Covered Data" shall mean Covered Data first delivered to Client on or
before the Effective Date.

"Legacy Product" shall mean a Covered Data Product which contains Legacy Covered
Data for which NDCHealth had obtained Level II Certification or Level III
Certification on or before the Effective Date, and which certification remains
valid.

"Level I De-Identification" shall mean de-identification of PHI pursuant to
Level I Certifications.

"Level I Certification" shall mean a certification, made in accordance with
Level I of the Data Security Requirements, including all applicable Privacy and
Security Rules, that Covered Data transmitted to Client is de-identified in
compliance with the Act, including the Privacy and Security Rules.

"Level II Certification" in respect of a Covered Data Product shall mean a
certification, made in accordance with Level II of the Data Security
Requirements, including all applicable Privacy and Security Rules, that applying
generally accepted statistical and scientific methods for rendering information
not individually identifiable, the risk is Very Small that the Delivered Data
included in the Covered Data Product could be used, alone or in combination with
other reasonably available information, by an anticipated recipient to identify
an Individual who is a subject of the information.

"Level III Certification" in respect of any Covered Data Product shall mean a
certification, made in accordance with Level III of the Data Security
Requirements, including all applicable Privacy and Security Rules, that applying
generally accepted statistical and scientific methods for rendering information
not individually identifiable, the risk is Very Small that the Delivered Data
included in the Covered Data Product could be used, alone or in combination with
other reasonably available information, by an anticipated recipient to identify
an Individual who is a subject of the information.

                                       31

<PAGE>

"Licensed Data" shall mean data derived from PHI Data Sets provided to NDCHealth
pursuant to NDC Data Agreements and processed by NDCHealth using the NDC
Proprietary Network.

"Medical Device Manufacturers" means a manufacturer of diagnostic and laboratory
products, orthopedic products, surgical devices, cardiac rhythmia management
products, and implantable cardiac defibrillators.

"Messaging" shall mean the delivery of pharmaceutical manufacturer sponsored
textual information to pharmacies using the NDC Proprietary Network.

"Merger" shall have the meaning ascribed to such term in the Recitals of this
Agreement.

"Merger Agreement" shall have the meaning ascribed to such term in the Recitals
of this Agreement.

"NDC Data Agreements" shall mean all agreements between NDCHealth on the one
hand, and Health Care Providers or customers in the Retail Pharmacy Industry, on
the other hand, now existing or hereafter arising from time-to-time during the
Term pursuant to which such third parties agree to provide to NDCHealth, certain
PHI Data Sets and the terms of which NDCHealth has determined, in its reasonable
discretion, permit NDCHealth, to license the Licensed Data to Client in the
manner contemplated by this Agreement.

"NDC Expenses" shall have the meaning ascribed to such term in Section 6(b) of
this Agreement.

"NDC Field" shall mean the provision or delivery of the types of products listed
in:

     (i)  the Network Services Category, Provider Applications Category, and
          Financial Services Transaction Processing Category set forth on
          Exhibit I to the Retail Pharmacy Industry, Health Care Providers,
          non-governmental third party payers and consumers;

     (ii) the Patient Safety and Compliance Category and Other Messaging, Fraud
          and Abuse Category, Key Account Agreements, Wall Street and Private
          Equity Firms set forth on Exhibit I to Health Care Providers,
          non-governmental third party payers and consumers.

     (iii) the Information Management Category set forth on Exhibit I to the
          Retail Pharmacy Industry and non-governmental third party payers;

     (iv) the Longitudinal Record Category set forth on Exhibit I to
          non-governmental third party payers and Health Care Providers.

     (v)  the Private Label PBM, Mail Order and Rebate Capture Category set
          forth on Exhibit I to the Retail Pharmacy Industry.

                                       32

<PAGE>

"NDCHealth" shall have the meaning ascribed to such term in the Preamble of this
Agreement.

"NDC Proprietary Network" shall mean the proprietary network of computer
software (including NDCHealth's use of the Encryption Engine as authorized in
Section 1(e)(i)(v) of this Agreement), computer hardware, databases and related
processes utilized by NDCHealth to prepare Delivered Data for delivery to
Client.

"NCPDP" shall mean National Council for Prescription Drug Programs.

"Net Messaging Revenues" shall mean, in respect of any fiscal year, Gross
Messaging Revenues in excess of $2,600,000, less that portion allocated to such
excess Gross Revenues with respect to all sales commissions, direct third party
costs incurred in providing Messaging products, (including Existing Messaging
Programs) including payments to pharmacies and other third parties in connection
with their participation in or facilitation of such Messaging products.

"Network Data" shall mean the Patriot Data and the Licensed Data.

"New PHI Products" shall mean modified Existing PHI Products and new products
containing PHI Data Sets all to the extent agreed upon pursuant to Section 5(e)
of the Agreement and required to be provided pursuant to any Key Account
Agreement.

"New Services" shall mean services provided by NDCHealth to Client which
services either (i) were not provided prior to the Effective Date, but are
agreed upon by NDCHealth and Client during the Term and thereafter provided by
NDCHealth to Client, or (ii) constitute a modification of services to be
provided by NDCHealth to Client as of the Effective Date pursuant to Sections
5(a) through 5(i).

"Notice of Election" shall have the meaning ascribed to such term in Section
9(b)(i) of this Agreement.

"Notice Period" shall have the meaning ascribed to such term in Section 9(b)(i)
of this Agreement.

"Patriot" shall have the meaning ascribed to such term in the Preamble of this
Agreement.

"Person" shall mean an individual, corporation, limited liability company,
partnership, trust, association, joint venture, unincorporated organization or
entity of any kind or nature, or a Governmental Body.

"Permitted Designee" shall mean Acxiom Corporation, or such other third party
designated by client from time to time and reasonably acceptable to Patriot,
provided that Acxiom Corporation, or such other designee (as the case may be),
shall have executed and delivered an acknowledgement or similar agreement, in a
form and substance reasonably satisfactory to Patriot, obligating Acxiom
Corporation, or such other designee (as the case may be), to receive and
maintain any Covered Data in a manner compliant with the Act and all Applicable
Law and requiring Acxiom Corporation, or such other designee (as the case may
be), to be subject to and

                                       33

<PAGE>

adhere at all times to all confidentiality, privacy and security obligations of
this Agreement, the Act and all Applicable Law (including the implementation of
all policies and procedures) necessary to obtain and maintain the Security
Certification.

"Patriot Data" shall mean data derived from PHI Data sets provided to Patriot
pursuant to Patriot's Data Agreements and processed by Patriot using the NDC
Proprietary Network.

"Patriot Data Agreements" shall mean all agreements between Patriot on the one
hand and Health Care Providers on the other hand, now existing or hereafter
arising from time-to-time during the Term pursuant to which such third parties
agree to provide Patriot certain PHI Data Sets and the terms of which Patriot
has determined, in its reasonable discretion, permit Patriot to license the
Patriot Data to Client in the manner contemplated by the Agreement.

"PHI" shall mean protected health information, as that phrase is defined in the
Act.

"PHI Agreements" shall mean the agreements to provide Existing PHI Products.

"PHI Data Set" shall mean an original electronic record of a single transaction
or interaction (including, among other things, reject and reversal transactions,
hospital transaction data and physician claim data) between one Patient and one
Health Care Provider, or between two Health Care Providers, which record,
immediately prior to encryption and delivery to NDC Health, contains PHI or, if
associated with one or more other PHI Data Sets, could be used to determine PHI.

"Privacy and Security Rules" shall mean the Standards for Privacy of
Individually Identifiable Health Information at 45 C.F.R. part 160 and part 164,
subparts A and E, and the regulations promulgated thereunder; and the Security
Standards at 45 C.F.R. parts 160, 162 and 164, and the regulations promulgated
thereunder, in all cases, as in effect or amended from time to time.

"Prohibited Use" shall mean:

     i.   any offer for sale, sale, license, delivery, distribution or other
          conveyance of any Covered Data Product that does not constitute a
          Certified Product at the time of such offer for sale, sale, license,
          delivery, distribution or other conveyance;

     ii.  any use of the Covered Data (whether alone or in combination with any
          other data) to identify a pharmacy, hospital, payer or individual;

     iii. any attempt, directly or indirectly, to derive PHI from any Covered
          Data; and

     iv.  any offer for sale, sale, license, delivery, distribution, other
          conveyance or use of the Covered Data in a manner that violates this
          Agreement, the Act or any other Applicable Laws.

"Purchase Agreement" shall have the meaning ascribed to such term in the
Recitals of this Agreement.

                                       34

<PAGE>

"Purchaser" shall have the meaning ascribed to such term in the Recitals of this
Agreement.

"Qualified Statistician" shall mean a person with appropriate knowledge of and
experience with generally accepted statistical and scientific methods for
rendering information not individually identifiable.

"Retail Informatics Products" shall have the meaning ascribed to such term in
Section 5(g).

"Retail Pharmacy Industry" shall mean the business of owning or operating
establishments or operations where prescriptions are filled for consumers,
including without limitation, pharmacies, general merchandise stores, hospitals,
long-term care facilities, mail order and specialty operations and future
locations where prescription fulfillment and drug sales to consumers occur.

"RI Agreement" shall have the meaning ascribed to such term in the Recitals of
this Agreement.

"Sale Transaction" shall have the meaning ascribed to such term in the Recitals
of this Agreement.

"Security Certification" shall mean a certification, made in accordance with the
Data Security Requirements, that all access, extraction, compilation,
assimilation, manipulation, analysis and other processing of the Covered Data by
Client, or by any Person acting on Client's behalf or at Client's direction, is
being conducted in compliance with the Act, including the Privacy and Security
Rules.

"Serono Agreement" shall mean that certain Service Agreement dated September 1,
2002 by and between NDCHealth Corporation and Serono, Inc. as amended by the
First Amendment to Service Agreement dated May 28, 2993, Second Amendment to
Service Agreement dated November 3, 2003, Third Amendment to Service Agreement
dated July 18, 2004, and the Fourth Amendment to Service Agreement.

"Service Level Commitments" shall mean the technical, qualitative, quantitative
and other standards and commitments, consistent with the standards and
commitments on the date hereof, examples of which are set forth on Exhibit A
attached hereto.

"Term" shall have the meaning ascribed to such term in Section 7(a) of this
Agreement.

"Transition Services Agreement" shall mean that certain Transition Services
Agreement, dated the date hereof, between NDCHealth and Client.

"Very Small" shall have the meaning given it by the National Institute of
Standards and Technology, or such other standard as may be required from
time-to-time by the Act.

"Walgreens Agreement" shall mean that certain License Agreement dated January 9,
1992 by and between Pharmaceutical Data Services, Inc. as amended by Addenda
dated February 24,

                                       35

<PAGE>

1993, May 13, 1993, March 8, 1995, January 8, 1999, July 14, 1999, January 1,
2001, January 1, 2001 and August 20, 2004.

                            [Signatures on next page]

                                       36

<PAGE>

                                 SIGNATURE PAGE
                                       TO
                       DATA SUPPLY AND SERVICES AGREEMENT

     IN WITNESS WHEREOF, the parties hereto, each acting under due and proper
authority, have executed and delivered this Agreement as of the Effective Date.

Joinder for Purposes of Section 11.     NDCHEALTH:
By execution below Wolters Kluwer
U.S. Corporation does hereby agree      NDCHealth Corporation
that it and its Affiliates are, and
shall be bound by the provisions of
Section 11 hereof and shall be liable   By: /s/ Randolph L.M. Hutto
to NDCHealth and Patriot for any            ------------------------------------
breach of section 11 by Client,         Name: Randolph L.M. Hutto
Wolters Kluwer U.S. Corporation or      Title: EVP
any of their respective Affiliates

WOLTERS KLUWER U.S. CORPORATION         PATRIOT:

                                        Per-Se Technologies, Inc.
By: /s/ Bruce C. Lenz
    --------------------------------
Name: Bruce C. Lenz                     By: /s/ Philip M. Pead
Title: Secretary                            ------------------------------------
                                        Name: Philip M. Pead
                                        Title: President

                                        CLIENT:

                                        NDC Health Information Services
                                        (Arizona) Inc.

                                        By: /s/ Randolph L.M. Hutto
                                            ------------------------------------
                                        Name: Randolph L.M. Hutto
                                        Title: EVP

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