Document:

<PAGE>

                                                                   EXHIBIT 10(X)

                       THIRD AMENDMENT TO LOAN DOCUMENTS

         This Third Amendment to Loan Documents (this "Third Amendment") is
entered into on the 26th day of October, 2001, to be effective as of August 31,
2001 (the "Effective Date"), by and between FIFTH THIRD BANK, a Michigan banking
corporation, f/k/a Old Kent Bank (the "Bank"), One Vandenberg Center, Grand
Rapids, Michigan 49503, and RIVIERA TOOL COMPANY, a Michigan corporation
("Borrower"), 5460 Executive Parkway, Grand Rapids, Michigan 49512.

                                    RECITALS:

         A. The Bank and the Borrower are parties to a First Restated Loan
Agreement dated as of August 31, 1999 (the "First Restated Loan Agreement"), as
amended by the First and Second Amendments thereto (the First Restated Loan
Agreement, as amended by the First and Second Amendments to Loan Documents, is
referred to in this Third Amendment as the "Existing Loan Agreement").
Capitalized terms used but not defined in this Third Amendment shall have the
meanings given such terms in the Existing Loan Agreement.

         B. At the Borrower's request, the Bank has agreed to modify certain of
the loan covenants in the Existing Loan Agreement.

         NOW, THEREFORE, the Bank and the Borrower agree as follows:

         1. Definitions. From and after the date of this Third Amendment, each
reference in the Existing Loan Agreement or this Third Amendment to the term (a)
"Loan Agreement" or "Agreement" means the Existing Loan Agreement, as modified
by this Third Amendment, and (b) "Loan Documents" means that term as it is
defined in the Existing Loan Agreement, including, without limitation, this
Third Amendment.

         2. Borrower's Agreements and Acknowledgments. The Borrower restates,
affirms and makes, as of the Effective Date, each of the covenants, agreements,
acknowledgments, representations, warranties, waivers and releases contained in
the Loan Documents. Further, except as specifically modified hereby, the
Borrower ratifies and affirms the continuing validity and binding effect of the
Loan Documents and represents and warrants to the Bank that all representations
and warranties contained in each of the Loan Documents are true as of the date
hereof. The Borrower represents and warrants that each balance sheet, statement
of income, statement of retained earnings and statement of changes in financial
position submitted to the Bank present fairly the financial position of the
Borrower as of the date of such statement. No changes having a material adverse
effect upon any obligor for any existing loans by the Bank to the Borrower have
occurred since the date of the most recent of such financial statements.

         3.       Restatement of Certain Financial Covenants.

         (a) Paragraph 6.8 of the First Restated Loan Agreement as previously
amended is further amended and restated as follows:

         Maintain Tangible Net Worth (the applicable amount for each date of
determination being referred to herein as the "Minimum Net Worth") of not less
than: (a) $14,000,000 for the period beginning August 31, 2001 and ending
February 27, 2002; (b) $13,300,000 for the period beginning February 28, 2002
and continuing thereafter until all of the Borrower's indebtedness to the Bank
has been repaid in full, with interest.

         (b) Paragraph 6.10 of the First Restated Loan Agreement as previously
amended is further amended and restated as follows:

                                       15
<PAGE>

         Maintain a ratio of total Liabilities to Tangible Net Worth of not more
than (a) .7:1 as measured on August 31, 2001; (b) .65:1 as measured on November
30, 2001 and February 28, 2002; (c) .8:1 as measured on May 31, 2002; and (d)
 .75:1 as measured on August 31, 2002 and the last day of each November,
February, May and August thereafter.

         4. Effect of this Third Amendment. The Loan Documents are hereby
amended as required (and only as required) to give effect to the amendments
expressly provided for in this Third Amendment. Each of the Loan Documents shall
be deemed to have been amended by this Third Amendment as if such Loan Document
had been specifically amended by separate instrument.

         5. No other Amendments, etc. Except as expressly set forth above, the
Existing Loan Agreement, each of the Notes, and all of the other Loan Documents
shall remain in full force and effect as originally executed and delivered by
the parties, and are hereby ratified and affirmed by the undersigned.

         6. Counterparts. This Third Amendment may be executed in one or more
counterparts, each of which shall be considered an original and all of which
shall constitute the same instrument.

         IN WITNESS WHEREOF, the parties have executed this Third Amendment to
Loan Documents as of the day and year first above written.

WITNESSES:

                                        RIVIERA TOOL COMPANY
-----------------------------

                                        By:   /s/ Kenneth K. Rieth
-----------------------------                 --------------------
                                              Kenneth K. Rieth, President

                                        FIFTH THIRD BANK
-----------------------------

                                        By:   /s/ John C. Pollock
-----------------------------                 --------------------
                                              John C. Pollock, Vice President

                                       16<PAGE>
                        FIRST AMENDMENT AND CONSENT TO
                 THIRD AMENDED AND RESTATED CREDIT AGREEMENT

      This First Amendment and Consent to Third Amended and Restated Credit
Agreement (the "AMENDMENT"), made as of the _ day of November, 2001, by and
among NET2000 COMMUNICATIONS GROUP, INC., a Delaware corporation (the
"Borrower"), each of the lending entities signatory hereto (individually, a
"Lender," and collectively, the "Lenders"), TORONTO DOMINION (TEXAS), INC.
("TD Texas"), as Administrative Agent for the Lenders (in such capacity,
together with its successors in such capacity, the "Administrative Agent"), TD
SECURITIES (USA) INC. ("TDSI"), as lead arranger (in such capacity, the "Lead
Arranger") and book manager (in such capacity, the "Book Manager"), ROYAL BANK
OF CANADA as syndication agent (in such capacity, the "Syndication Agent"),
and Goldman Sachs Credit Partners L.P. as documentation agent, First Union
Securities, Inc. ("First Union Securities"), as co-documentation agent (GSCP
and First Union Securities, in their respective capacities as documentation
agent and co-documentation agent, the "Documentation Agents"),

                                 WITNESSETH:

      WHEREAS, the Borrower, the Lenders, the Administrative Agent, the Lead
Arranger, the Syndication Agent and the Documentation Agents are parties to
that certain Third Amended and Restated Credit Agreement dated as of April 12,
2001 (as modified, amended or restated from time to time, the "Credit
Agreement");

      WHEREAS, the Borrower is negotiating an asset purchase agreement (a
draft dated as of November ___, 2001 having been provided to the
Administrative Agent and the Lenders, the "Asset Purchase Agreement") to sell
certain Property used in or related to that certain line of business commonly
known by the parties hereto as the "video business" either by way of an asset
sale or a sale of stock of any agreed upon operating subsidiaries (the "Video
Business");

      WHEREAS, the Borrower is also or will be negotiating for the sale of
certain Property used in or related to certain closed office locations (the
"Closed Offices");

      WHEREAS, Section 9.8 of the Credit Agreement requires the Borrower to
comply with certain conditions in connection with the disposition of its
Property; and

      WHEREAS, the Borrower has requested that the Administrative Agent and
the Lenders consent to the sale and disposition of its Property used in or
connected to the Video Business pursuant to the term of the Asset Purchase
Agreement and the sale and disposition of the Property used in or connected
with the Closed Offices;

NOW, THEREFORE, in consideration of the premises set forth above, the terms
and conditions contained herein and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties agree
that all capitalized terms used but not otherwise defined herein shall have
the meanings ascribed thereto in the Credit Agreement and further agree as
follows:

<PAGE>

      1.   Amendment to Section 8.1 of the Credit Agreement. Section 8.1 of
the Credit Agreement is hereby modified and amended by deleting the, word
"and" at the end of subsection (o) thereof, by deleting the period after
subsection (p) and substituting therefor, and by adding the following
subsections (q) and (r) thereto,

      "(q) On or before each Tuesday (with first such report being due on
Tuesday, November 13, 2001), for the activity of the prior week, a written
report of any closed office or locations of any Loan Party setting forth (i)
the Property located or removed from each such office or location, (ii) the
estimated liquidation value of such Property, and (iii) if authorized by the
Administrative Agent and Required Lenders, the amount of any proceeds received
from the sale and disposition of the Property located at such offices or
locations; and

      (r)  On or before every other Tuesday (with first such report being due
on Tuesday, November 20, 2001), for the activity of the prior two weeks, a
written report detailing cash receipts, disbursements, revenues, expenses and
any variance to the weekly budget (the "Budget") agreed upon by the Borrower,
the Administrative Agent and the Required Lenders, along with detailed
explanations thereof, which explanations shall be in a form and in substance
satisfactory to the Administrative Agent in its sole discretion."

      2.   Disposition of Video Business Property. (a) The Administrative
Agent and the Lenders hereby waive the provisions of Section 2.8(a) and
Section 9.8 of the Credit Agreement to the extent necessary to permit the
Borrower to sell the Property used in or connected to the Video Business (the
"Video Business Property") and retain the proceeds of such sale to be used
exclusively as working capital, and hereby consent to the sale of the Video
Business Property; provided that (i) the gale of the Video Business Property
occurs on the terms act forth herein and on terms substantially set forth in
the Asset Purchase Agreement, as approved in final form and substance by the
Administrative Agent and the Required Lenders, (ii) the Borrower notifies the
Administrative Agent and Lenders in writing of the date of such sale and the
not cash proceeds TO be received by the Borrower, (iii) the net cash proceeds
received by the Borrower in correction with the sale of the Video Business
Property shall be used exclusively by the Borrower in accordance with the
Budget (subject to the permitted variances therein as set forth in Section 4
below), and (iv) such sale shall be expressly subject to and conditioned upon
the Administrative Agent and the Lenders retaining a perfected, first priority
security interest in all proceeds of such sale.

      (b)  The Administrative Agent and the Lenders agree to release their
Lien on the Video Business Property to the extent necessary to consummate the
sale of the Video Business Property pursuant to the Asset Purchase Agreement,
as approved in final form and substance by the Administrative Agent and the
Required Lenders; provided, however, the Administrative Agent and the Lenders
shall retain their Lien in any and all proceeds received from such sale and
disposition of the Video Business Property.

      3.   Disposition of Closed Office Property. (a) Subject to Section 3(c),
the Administrative Agent and the Lenders hereby waive the provisions of
Section 2.8(a) and

<PAGE>

Section 9.8 of the Credit Agreement to the extent necessary to permit the
Borrower to sell the Property used in or connected to the Closed Offices (the
"Closed Office Property") pursuant to the terms and conditions hereof and
retain the proceeds of such sale to be used exclusively as working capital,
and hereby consent to the sale of the Closed Office Property; provided that
(i) the sale of the Closed Property is conducted in an "arms length"
transaction and the purchase price therefor represents fair market value for
such Closed Office Property, (ii) the Borrower notifies the Administrative
Agent and Lenders in writing of the date of such sale and the net cash
proceeds to be received by the Borrower, (iii) the net cash proceeds received
by the Borrower in connection with the sale of the Closed Office Property
shall be used exclusively by the Borrower in accordance with the Budget
(subject to the permitted variances therein as set forth in Section 4 below),
and (iv) such sale shall be expressly subject to and conditioned upon the
Administrative Agent and the Lenders retaining a perfected, first priority
security interest In all proceeds of such sale.

             (b)    Subject to Section 3(c), the Administrative Agent and the
Lenders agree to release their Lien on the Closed Office Property to the
extent necessary to consummate the sale of the Closed Office Property in
accordance with this Section 3; provided, however, the Administrative Agent
and the Lenders shall retain their Lien in any and all proceeds received from
such sale and disposition of the Closed Office Property.

             (c)    Notwithstanding anything to the contrary contained
elsewhere in this Amendment, should the proposed sale proceeds to be received
from the Closed Office Property located at any one location exceed $100,000,
then the Administrative Agent and the Required Lenders must approve the terms
and conditions of any proposed sale before such sale is authorized.

      4.     Variance from Budget; Event of Default. During the term of the
Credit Agreement, and thereafter for so long as there are any Obligations to
the Lenders, the Borrower covenants that, unless, consented to by the
Administrative Agent and the Required Lenders in writing, it shall not suffer
a variance (exclusive of variances as to line items in the Budget relating to
cost of goods sold relating to critical vendors for maintaining Borrower's
network) with the Budget with respect to expenses or proposed disbursements in
an aggregate amount of ten percent (10%) or more, measured on a cumulative
basis for the week then ended. The Borrower's failure to comply with this
Section 4 or any other provision of this Amendment, shall be deemed an Event
of Default under the Credit Agreement.

      5.     Covenant to not Request Advances. In consideration of the waiver
and consent granted by the Lenders and the Administrative Agent in this
Amendment, Borrower hereby covenants and agrees that on or before November 19,
2001, it shall not request any borrowing or advance under the Credit
Agreement.

      6.     No Other Amendment or Waiver. The execution, delivery and
effectiveness of this Amendment shall not, except as expressly provided above,
operate as a waiver of any right, power or remedy of the Administrative Agent
or the Lenders under the Credit Agreement or any of the other Loan Documents,
nor constitute a waiver of any provision of the Credit Agreement

<PAGE>

or any of the other Loan Documents. Except for the amendments expressly set
forth above, the text of the Credit Agreement and all other Loan Documents
shall remain unchanged and in full force and effect and the Borrower hereby
ratifies and confirms its obligations thereunder. This Amendment shall not
constitute a modification of the Credit Agreement or a course of dealing with
the Administrative Agent or the Lenders at variance with the Credit Agreement
such as to require further notice by the Administrative Agent or the Lenders
to require strict compliance with the terms of the Credit Agreement and the
other Loan Documents in the in the future, except as expressly set forth
herein. The Borrower has no knowledge of any challenge to the Administrative
Agent's or Lender's claims arising under the Loan Documents or the
effectiveness of the Loan Documents.

      7.     Effectiveness. This Amendment shall become effective as of the
date first written above upon the Administrative Agents receipt of (a)
counterparts of this Amendment executed by the Borrower, the Credit Support
Parties (as set forth on the signature pages hereto), the Administrative Agent
and the Lenders; and (b) such other information, documents, instruments or
approvals as the Administrative Agent or the Administrative Agent's counsel
may require prior to the execution and delivery of such Amendment by the
Lenders.

      8.    Representations and Warranties of the Borrower.

             (a)    The execution, delivery, and performance by the Borrower
of this Amendment and the Loan Documents to which it is a party, are within
the Borrower's corporate powers, have been duly authorized by all necessary
corporate action and do not and will not (i) violate any provision of federal,
state, or local law or regulation applicable to the Borrower, the governing
documents of the Borrower, or any order, judgment, or decree of any court, or
Governmental Authorization binding on the Borrower, (ii) conflict with, result
in a breach of, or constitute (with due notice or lapse of time or both) a
default under any material contractual obligation of the Borrower, or (iii)
result in or require the creation or imposition of any Lien of any nature
whatsoever upon any properties or assets of the Borrower, other than Permitted
Liens;

             (b)    The execution, delivery, and performance by the Borrower
of this Amendment and the Loan Documents to which it is a party, do not and
will not require any registration with, consent, or approval of, or notice to,
or other action with or by any governmental authority or other Person; and

             (c)    This Amendment and each other Loan Document to which the
Borrower is a party, and all other documents contemplated hereby and thereby,
when executed and delivered by the Borrower will be the legally valid and
binding obligations of the Borrower, enforceable against the Borrower in
accordance with their respective terms, except as enforcement may be limited
by equitable principles or by bankruptcy, insolvency, reorganization,
moratorium, or similar laws relating to or limiting creditors' rights
generally.

      9.   Reference to and Effect on the Loan Documents.

<PAGE>

      Upon the effectiveness of this Amendment, on and after the date hereof
each reference in the Credit Agreement to "this Agreement," "hereunder,"
"hereof" or words of like import relating to the Credit Agreement and each
reference in the other Loan Documents to "the Credit Agreement" "thereunder,"
"thereof" or words of like import referring to the Credit Agreement, shall
mean and be a reference to the Credit Agreement as amended hereby.

        10.  Costs, Expenses and Taxes.

      The Borrower agrees to pay on demand all reasonable costs and expenses
in connection with the preparation, execution, delivery, administration,
modification and amendment of this Amendment and the other instruments and
documents to be delivered hereunder, including, without limitation, the
reasonable fees and out-of-pocket expenses of counsel for the Administrative
Agent and the Lenders with respect thereto and with respect to advising the
Administrative Agent and the Lenders as to their rights and responsibilities
hereunder and thereafter.

        11. Release of Lien. As consideration to induce the Administrative
Agent and the Lenders to execute, deliver and perform this Amendment, the
Borrower and the Credit Support Parties (as set forth on the signature pages
hereto) represent and warrant that there are no claims, causes of action,
suits, debts, obligations, liabilities, demands of any kind, character or
nature whatsoever, fixed or contingent, which the Borrower or any of the
Credit Support Parties may have, or claim to have,, against the Administrative
Agent or any of the Lenders and the Borrower and each Credit Support Party
hereby release, acquits and forever discharges each of the Administrative
Agent and the Lenders and their respective agents, employees, officers,
directors, servants, representatives, attorneys, affiliates, successors and
assigns (collectively, the "Released Parties") from any and all liabilities,
claims, suits, debts, causes of action and the like of any kind, character or
nature whatsoever, known or unknown, fixed or contingent that the Borrower or
any Credit Support Party may have. or claim to have, against each of such
Released Parties from the beginning of time until and through the dates of
execution and delivery of this Amendment.

        12.  Governing Law.  This Amendment shall be governed by and construed
in accordance with the laws of the State of New York, without regard to
conflict of laws principles of such state.

        13.  Loan Document.  This Amendment shall be deemed to be a Loan
Document for all purposes.

        14.  Third Party Beneficiary.  Visual Systems Group, Inc., a Delaware
corporation as purchaser under the Asset Purchase Agreement, is hereby
designated as a third party beneficiary of this Amendment solely for the
consent to sell the Video Business Property as set fort in Section 2 hereof.

        15.  Counterparts. This Amendment may be executed by one or more of
the parties hereto on any number of separate counterparts, each of which shall
be deemed an original and

<PAGE>

all of which, taken together, shall be deemed to constitute one and the same
instrument. Delivery of an executed counterpart of this Amendment by facsimile
transmission shall be as effective as delivery of a manually executed
counterpart hereof.

              [remainder of this page intentionally left blank]

<PAGE>

      IN WITNESS WHMOF, the parties hereto have caused their respective duly
authorized offices or representatives to execute and deliver this Amendment as
of the day and year first written above.

<TABLE>
<S>                             <C>
BORROWER.                           NET2000 COMMUNICATIONS GROUP, INC

                                    By:  /s/ Donald E. Clarke
                                        ---------------------
                                    Name:  Donald E. Clarke
                                    Title: Chief Financial Officer

CREDIT SUPPORT
PARTIES:                           NET2000 COMMUNICATIONS CAPITAL EQUIPMENT, INC.

                                    By:  /s/ Donald E. Clarke
                                         ---------------------
                                    Name:  Donald E. Clarke
                                    Title: Chief Financial Officer

                                   NET2000 COMMUNICATIONS HOLDINGS, INC.

                                    By:  /s/ Donald E. Clarke
                                         ---------------------
                                    Name:  Donald E. Clarke
                                    Title: Chief Financial Officer

                                   NET2000 COMMUNICATIONS OPERATIONS, INC.

                                    By:  /s/ Donald E. Clarke
                                         ---------------------
                                    Name:  Donald E. Clarke
                                    Title: Chief Financial Officer

                                    NET2000 COMMUNICATIONS REAL ESTATE,
                                    INC.

                                    By:  /s/ Donald E. Clarke
                                         ---------------------
                                    Name:  Donald E. Clarke
                                    Title: Chief Financial Officer
</TABLE>

<PAGE>
<TABLE>
<S>                             <C>
                                       NET2000 COMMUNICATIONS SERVICES
                                       INC.

                                    By:  /s/ Donald E. Clarke
                                         ---------------------
                                    Name:  Donald E. Clarke
                                    Title: Chief Financial Officer

                                    NET2000 COMMUNICATIONS OF VIRGINIA, LLC

                                    By:  /s/ Donald E. Clarke
                                          ---------------------
                                    Name:  Donald E. Clarke
                                    Title: Chief Financial Officer

                                    FREBON INTERNATIONAL CORPORATION

                                    By:  /s/ Donald E. Clarke
                                          ---------------------
                                    Name:  Donald E. Clarke
                                    Title: Chief Financial Officer

                                    VISION I.T.

                                    By:  /s/ Donald E. Clarke
                                         ---------------------
                                    Name:  Donald E. Clarke
                                    Title: Chief Financial Officer

LENDERS AND AGENTS:                 TORONTO DOMINION BANK, as Administrative
                                    Agent and as a Lender

                                    By: /s/Suzanne Small
                                         ---------------
                                    Name:  Suzanne Small
                                    Title:  Vice President
</TABLE>

<PAGE>

<TABLE>
<S>                            <C>

                                    THE TORONTO-DOMINION BANK,
                                    as Issuing Bank and as a Lender

                                    By: /s/Suzanne Small
                                         ---------------
                                    Name:  Suzanne Small
                                    Title:  Vice President

                                    BARCLAYS BANK PLC, as a Lender

                                    By:  /s/ Mark Umski
                                         --------------
                                    Name:  Mark Umski
                                    Title:  Director

                                    FIRST UNION NATIONAL BANK, as a Lender

                                    By:  /s/ Tom Borher
                                         --------------
                                    Name:  Tom Borher
                                    Title:  Vice President

                                    GOLDMAN SACHS CREDIT PARTNERS L.P.,
                                    as a Lender

                                    By:  /s/ Bruce H. Mendelsohn
                                         ------------------------
                                    Name:  Bruce H. Mendelsohn
                                    Title:  Authorized Signatory

                                    IBM CREDIT CORPORATION, as a Lender

                                    By:  /s/ Stu A. Flanagan
                                         -------------------
                                    Name:  Stu A. Flanagan
                                    Title:  Manager Special Heading
</TABLE>

<PAGE>

<TABLE>
<S>                           <C>

                                    RFC CAPITAL CORPORATION, as a Lender

                                    By:  /s/ Jeffrey A. Martin
                                         ---------------------
                                    Name:  Jeffrey A. Martin
                                    Title:  AVP

                                    ROYAL BANK OF CANADA, as a Lender

                                    By:  /s/ Stephanie Babich
                                         --------------------
                                    Name: Stephanie Babich
                                    Title:  Senior Manager

                                    NORTEL NETWORKS, INC.. as a Lender

                                    By:  /s/ Elias Makris
                                         ----------------
                                    Name: Elias Makris
                                    Title: Director, Customer Finance
</TABLE>

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