Document:

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                                                                 EXECUTION COPY

                                                                EXHIBIT 10.1(k)

                                TENTH AMENDMENT

                                      TO

                     AMENDED AND RESTATED CREDIT AGREEMENT

          THIS TENTH AMENDMENT TO THE AMENDED AND RESTATED CREDIT AGREEMENT
(hereinafter referred to as the "Amendment") is being executed and delivered as
                                 ---------
of November 17, 2000 by and among Einstein/Noah Bagel Corp., a Delaware
corporation formerly known as Einstein Bros. Bagels, Inc. (as debtor-in-
possession, the "Borrower"), Einstein/Noah Bagel Partners, L.P., a Delaware
                 --------
limited partnership (as debtor-in-possession, the "Partnership", each of the
                                                   -----------
Borrower and the Partnership being hereinafter sometimes referred to
individually as a "Debtor" and hereinafter sometimes referred to collectively as
                   ------
"Debtors"), Einstein/Noah Bagel Partners, Inc., a California corporation
 -------
formerly known as Noah's New York Bagels, Inc. (the "Corporate GP", and together
                                                     ------------
with the Borrower and the Partnership, collectively, the "Credit Parties" and
                                                          --------------
each individually a "Credit Party"), Bank of America, N.A. (as successor to Bank
                     ------------
of America National Trust and Savings Association), as the "Agent" for the
Lenders (the "Agent"), General Electric Capital Corporation, as "Co-Agent" for
              -----
the Lenders (the "Co-Agent"), and the financial institutions from time to time
                  --------
party to the Credit Agreement referred to and defined below (collectively, the

"Lenders", and each individually, a "Lender").  Undefined capitalized terms
 -------                             ------
which are used herein shall have the meanings ascribed to such terms in the
Credit Agreement.

                             W I T N E S S E T H:

          WHEREAS, the Borrower, the Lenders, the Agent and the Co-Agent are
parties to that certain Amended and Restated Secured Credit Agreement dated as
of November 21, 1997 (as heretofore amended and modified by that certain First
Amendment and Waiver thereto dated as of March 27, 1998, that certain Consent
thereto dated as of May 7, 1998, that certain Second Amendment thereto dated as
of October 4, 1998, that certain Third Amendment and Waiver thereto dated as of
January 29, 1999, that certain Fourth Amendment and Waiver thereto dated as of
May 15, 1999, that certain Fifth Amendment and Waiver thereto dated as of
February 29, 2000, that certain Restated Sixth Amendment and Waiver thereto
dated as of April 27, 2000 and restated as of June 15, 2000, that certain
Seventh Amendment dated as of October 31, 2000, that certain Eighth Amendment
dated as of November 9, 2000, and that certain Ninth Amendment dated as of
November 14, 2000, in each case among such parties, collectively, the "Credit
                                                                       ------
Agreement"), pursuant to which the Lenders have agreed to provide, subject to
---------
the terms and conditions contained therein, certain loans and other financial
accommodations to the Borrower; and

          WHEREAS, in connection with the Credit Agreement, and to provide
additional security for the Borrower's obligations thereunder, each of the
Partnership and the Corporate GP executed and delivered to the Agent, for the
benefit of the Lenders, certain guaranties, security agreements, pledge
agreements and other Loan Documents;
<PAGE>

          WHEREAS, on April 27, 2000, each of the Debtors filed with the United
States Bankruptcy Court for the District of Arizona (the "Bankruptcy Court")
                                                          ----------------
voluntary petitions for relief under Chapter 11 of title 11 of the United States
Code, 11 U.S.C. (S)(S)101 et seq. and have continued in the possession of their
                          -- ----
assets pursuant to Sections 1107 and 1108 thereof;

          WHEREAS, in connection with such filings and at the Debtors' request,
the Bankruptcy Court entered a final order authorizing the Borrower to borrow
Revolving Loans and to obtain Letters of Credit in a maximum aggregate principal
amount of $36,000,000 under the Credit Agreement subject to the terms and
conditions of such order and the Loan Documents;

          WHEREAS, pursuant to the Credit Agreement, such Revolving Loans and
Letters of Credit may be provided through and including the Termination Date,
after which date no additional Revolving Loans or Letters of Credit will be
available and upon which date all outstanding Revolving Loans and LC Obligations
must be repaid in full;

          WHEREAS, the Termination Date is currently expected to occur on the
close of business on the date hereof;

          WHEREAS, the Borrower has requested that the Lenders agree, and
subject to the terms and conditions of this Amendment the Lenders have agreed,
to amend the Credit Agreement to modify the definition of "Termination Date" to
effect an extension thereof; and

          WHEREAS, it is a condition, among others stated herein, to the Agent's
and Lenders' agreement to extend the Termination Date, that the Total Revolving
Loan Commitment Amount be reduced from $36,000,000 to $34,000,000.

          NOW, THEREFORE, in consideration of the foregoing premises, the terms
and conditions stated herein and other valuable consideration the receipt and
sufficiency of which are hereby acknowledged by the Credit Parties, the Lenders,
the Agent and the Co-Agent, such parties hereby agree as follows:

          1.  Amendment No. 10 to Credit Agreement.  Subject to the satisfaction
              ------------------------------------
of each of the conditions set forth in Paragraph 2 of this Amendment, the Credit
                                       -----------
Agreement is hereby amended as follows (Article, Section and Exhibit references
in herein, unless otherwise specified, refer to those of the Credit Agreement):

          (a) Article I  is amended to delete the definition of "Budget" in its
              ---------
entirety and to replace such definition with the following definition:

              "'Budget' means the projected budgets of the Borrower's and its
     Subsidiaries' cash receipts, cash expenditures and Revolving Loans balances
     for the Borrower's thirteen (13) Retail Periods ending during its 2000
     fiscal year, and for the Borrower's first Retail Period of its 2001 fiscal
     year, copies of which are attached hereto as Exhibit O and made a part
                                                  ---------
     hereof."

          (b) Article I is further amended to delete the definition of
              ---------
"Termination Date" in its entirety and to replace such definition with the
following definition:

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               "'Termination Date' means November 30, 2000; provided, however,
                                                            --------  -------
     that, if, on or prior to November 30, 2000, (1) the Bankruptcy Court shall
     ----
     have entered an order approving the Borrower's and the Partnership's
     execution and delivery of that certain Tenth Amendment dated as of November
     17, 2000 to this Agreement and (2) the Borrower shall have paid the
     extension fee referred to and defined in Paragraph 3 of such Tenth
     Amendment, then the Termination Date shall thereupon be extended to
     December 31, 2000; and provided, further, however, that, if, the
                            --------  -------  -------  ----
     Termination Date shall have been extended to December 31, 2000 pursuant the
     immediately preceding proviso and if, on or prior to December 31, 2000,
                           -------
     either (a) the conditions set forth in that certain letter agreement dated
     as of November 17, 2000 among the Borrower, the Lenders and the Agent shall
     have been satisfied, or (b) the Bankruptcy Court shall have entered an
     order confirming a plan of reorganization of the Borrower and the
     Partnership in the Case, then the Termination Date shall thereupon be
     further extended to January 30, 2001."

          (c)  Article I is further amended to delete the figure "$36,000,000"
               ---------
which currently is set forth within the definition of "Total Revolving Loan
Commitment" and to replace such figure with the figure "$34,000,000."

          (d)  Exhibit O is amended to add thereto the budget attached hereto as
               ---------
Exhibit 1 to this Amendment with respect to the Borrower's first Retail Period
---------
of its 2001 fiscal year.

          2.   Effectiveness of this Amendment; Conditions Precedent.  The
               -----------------------------------------------------
provisions of Paragraph 1 hereof shall be deemed to have become effective as of
              -----------
the date hereof, but such effectiveness shall be expressly conditioned upon the
Agent's receipt of an originally-executed counterpart of this Amendment executed
and delivered by duly authorized officers of each of the Credit Parties and each
of the Lenders.

          3.   Extension Fee.  Promptly upon the Bankruptcy Court's entry of an
               -------------
order approving the Borrower's and the Partnership's execution and delivery of
this Amendment, the Borrower shall pay to the Agent, for the ratable benefit of
the Lenders, an extension fee in the amount of $300,000, which fee shall be
fully-earned and non-refundable when due.

          4.   Representations and Warranties.  Each Credit Party hereby
               ------------------------------
represents and warrants that:

          (a)  this Amendment constitutes the legal, valid and binding
obligation of each Credit Party enforceable against such Credit Party in
accordance with its terms;

          (b)  each Credit Party's execution and delivery of this Amendment, and
its performance hereafter of the Loan Documents as modified by this Amendment,
have been duly authorized by all necessary corporate or partnership action, do
not violate any provision of its certificate of incorporation, bylaws,
partnership agreement or other organizational documents, will not violate any
law, regulation, court order or writ applicable to it, will not require the
approval or consent of any governmental agency (including, without limitation,
the approval of the Bankruptcy Court), and except as may have otherwise been
heretofore obtained, will not require the approval or consent of any third party
under the terms of any contract or agreement to which any Credit Party or any
Subsidiary or other Affiliate of any Credit Party is bound;

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<PAGE>

          (c)  no Default has occurred and is continuing or will have occurred
and be continuing and all of the representations and warranties of each Credit
Party contained in the Credit Agreement and the other Loan Documents (other than
such representations or warranties which, in accordance with their express
terms, are made only as of a specified date) are, and will be, true and correct
as of the date of the Credit Parties' execution hereof in all material respects
as though made on and as of such date.

          5.   Reference to and Effect on Credit Agreement and Other Loan
               ----------------------------------------------------------
Documents.  The Credit Agreement and each of the other Loan Documents, as
---------
amended hereby, shall remain in full force and effect and are hereby ratified
and confirmed.  Neither the execution, delivery nor effectiveness of this
Amendment shall operate as a waiver of any right, power or remedy of the Agent
or any Lender of any Default under the Credit Agreement, all of which the Agent
and the Lenders hereby expressly reserve.  The Credit Parties, the Lenders and
the Agent agree and acknowledge that this Amendment constitutes a "Loan
Document" under and as defined in the Credit Agreement.

          6.   Governing Law. This Amendment shall be governed by and construed
               -------------
in accordance with the laws and decisions of the State of Illinois.

          7.   Agents' Expenses.  The Borrower hereby agrees that the Agent has
               ----------------
been authorized by the Borrower to charge all the reasonable out-of-pocket fees
and expenses (including, without limitation, attorneys' and paralegals' fees, it
or the Co-Agent has heretofore or hereafter incurred or incurs in connection
with the preparation, negotiation and execution of this Amendment) to the
Borrower's Account, which authorization is hereby ratified and confirmed by the
Borrower.

          8.   Reaffirmations by the Partnership and the Corporate GP.   The
               ------------------------------------------------------
Partnership and the Corporate GP, in their respective capacities as guarantors,
pledgors, grantors, contributors, or other providers of financial accommodations
under the terms of the Loan Documents (including, without limitation, under that
certain Guaranty dated as of May 17, 1996 executed and delivered by the
Corporate GP in favor of the Agent and the Lenders, that certain Guaranty dated
as of December 5, 1997 executed and delivered by the Partnership in favor of the
Agent and the Lenders, and each of the other Loan Documents to which the
Corporate GP or the Partnership is a party), hereby each reaffirms and ratifies
each of its obligations, covenants, guaranties, grants of security interests,
pledges, grants of liens and other undertakings and accommodations under the
Loan Documents to which it is a party, all of which shall hereafter remain in
full force and effect, with respect to both Pre-Petition Obligations and Post-
Petition Obligations.  Each of the Partnership and the Corporate GP hereby
further agrees to carry out each term, provision, covenant and condition of the
Credit Agreement as modified by Paragraph 1 of this Amendment.  Each of the
                                -----------
Partnership and the Corporate GP hereby agree and acknowledge it is truly and
justly indebted as a guarantor with respect to all Pre-Petition Obligations and
Post-Petition Obligations of the Borrower, without setoff, defense or
counterclaim.

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          9.  Counterparts.  This Amendment may be executed in counterparts,
              ------------
each of which shall be an original and all of which together shall constitute
one and the same agreement among the parties.

                                     * * *

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          IN WITNESS WHEREOF, this Amendment has been duly executed as of the
day and year first above written.

                              EINSTEIN/NOAH BAGEL CORP., as debtor and debtor-
                              in-possession

                              By: /s/ Paul A. Strasen
                                  -------------------------------------------
                                  Name:  Paul A. Strasen
                                  Title: Sr. Vice President,
                                             General Counsel & Secretary

                              EINSTEIN/NOAH BAGEL PARTNERS, L.P., as debtor and
                              debtor-in-possession

                              By: EINSTEIN/NOAH BAGEL PARTNERS, INC., as General
                              Partner

                              By: /s/ Paul A. Strasen
                                  -------------------------------------------
                                  Name:  Paul A. Strasen
                                  Title: Vice President & Secretary

                              EINSTEIN/NOAH BAGEL PARTNERS, INC.

                              By: /s/ Paul A. Strasen
                                  -------------------------------------------
                                  Name:  Paul A. Strasen
                                  Title: Vice President & Secretary

                              BANK OF AMERICA, N.A.., as the Agent

                              By: /s/ David A. Johanson
                                  -------------------------------------------
                                  Name:  David A. Johanson
                                  Title: Vice President

                              BANK OF AMERICA, N.A.., as a Lender

                              By: /s/ Michael Staunton
                                  -------------------------------------------
                                  Name:  Michael Staunton
                                  Title: Vice President

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<PAGE>

                              GENERAL ELECTRIC CAPITAL CORPORATION, as a Lender
                              and as Co- Agent

                              By: /s/ Jeff Fitts
                                  -------------------------------------------
                                  Name:  Jeff Fitts
                                  Title: Senior Risk Manager

                              LASALLE BANK NATIONAL ASSOCIATION, (as successor
                              to LaSalle National Bank), as a Lender

                              By: /s/ James D. Thompson
                                  -------------------------------------------
                                  Name:  James D. Thompson
                                  Title: Group Senior Vice President

                                       7<PAGE>

                                                                   EXHIBIT 10.19

                Amended and Restated Einstein/Noah Bagel Corp.
                          Employee Retention Program

     1.  Statement of Purpose; Summary. Einstein/Noah Bagel Corp. ("ENBC") is
         -----------------------------
currently pursuing the following initiatives (the "Business Initiatives"): (a)
development of information systems that are independent of Boston Chicken, Inc.
("BCI"); (b) development of a business infrastructure that is independent of
BCI, so that ENBC will no longer depend upon BCI for the provision of
accounting, administration or systems support services; and (c) possible
modification of its capital structure to eliminate the minority equity interest
in Einstein/Noah Bagel Partners, L.P. and to reduce the amount of outstanding
indebtedness of ENBC (the "Restructuring"). ENBC's employee retention program
(the "Retention Program") provides for compensation of up to 35 identified
officers and key employees of ENBC ("Critical Employees") in order to assure
their retention and availability to ENBC during the Restructuring. In addition,
the Retention Program provides for the payment of compensation in the form of
discretionary bonuses of up to $150,000 ("Discretionary Bonuses") to persons and
in amounts determined by ENBC's Chief Executive Officer in his sole discretion.
The aggregate amount of bonuses payable pursuant to the Retention Program
(including Discretionary Bonuses) will not exceed $2,609,750 ("Stay Bonuses").

     2.  Critical Employees. The names of each Critical Employee and the amount
         ------------------
of his or her Stay Bonus is specifically described on the Schedule of Payments
for the Retention Program. The employees selected to receive Stay Bonuses
pursuant to the Retention Program are considered by ENBC to be critical to
ENBC's Business Initiatives. Specifically, these employees possess unique or
critical knowledge of ENBC's business, which knowledge (1) is necessary to
assure the successful completion of ENBC's Business Initiatives and assure
ENBC's continuation as an ongoing business enterprise and (2) could not be
readily replaced on the open market.

     3.  Bonus Amounts. The amounts of the Stay Bonuses for each Critical
         -------------
Employee have been determined by ENBC's Chief Executive Officer after
consultation with other members of management and members of the Board of
Directors' compensation committee and are based upon: (1) the employee's
importance to ENBC and the Restructuring; (2) the marketability of the
employee's skills and the likelihood that he or she might leave ENBC; and (3)
the financial constraints currently imposed upon ENBC. As set forth on the
Schedule of Payments, the amount of each Stay Bonus is based on a fraction of
each Critical Employee's current regular annual base salary. The Stay Bonuses
are in addition to any other bonuses to which a Critical Employee may otherwise
be entitled.

     4.  Payment Date. Each Critical Employee will be paid his or her Stay
         ------------
Bonus on the payment dates set forth in the Schedule of Payments, except that,
for Messrs. Hartnett, Strasen, Puterbaugh and Furlow, and Ms. Manley, payments
under the column captioned September 1, 2000 shall be payable only upon
confirmation of a plan of reorganization by the bankruptcy court and payments
under the column captioned December 15, 2000 shall be payable on February 28,
2001. Discretionary Bonuses will be paid at such time or times as determined by
ENBC's Chief Executive Officer in his sole discretion. In the event a Critical
Employee is
<PAGE>

terminated without Cause or resigns for Good Reason, the remaining unpaid
portion of his or her Stay Bonus will be payable as if such Critical Employee
had remained an employee. In the event a Critical Employee is terminated for
Cause or resigns other than for Good Reason prior to the date any portion of the
Stay Bonus would otherwise be payable, then ENBC shall have no further
obligation to pay any remaining portion of the Stay Bonus. Upon the death or
total disability of a Critical Employee prior to the completion of the
Restructuring, ENBC will pay a prorated portion of the Stay Bonus to the
Critical Employee or his or her estate on each date a Stay Bonus payment would
otherwise have been payable.

     5.  Definition of "Cause."  For the purpose of the Retention Program,
         --------------------
"Cause" means (1) the willful and continued failure by the Critical Employee to
substantially perform the Critical Employee's duties with the Company (other
than any such failure resulting from the Critical Employee's incapacity due to
physical or mental illness or any such actual or anticipated failure after
termination by the Critical Employee for Good Reason) after a written demand for
substantial performance is delivered to the Critical Employee by ENBC, which
demand specifically identifies the manner in which ENBC believes that the
Critical Employee has not substantially performed the duties; (2) the
misappropriation of funds or other property of ENBC; (3) the commission of any
felony or any crime involving moral turpitude; (4) the commission of fraud or
theft; or (5) the material breach by the Critical Employee of any obligation of
the Critical Employee under any written confidentiality or non-compete agreement
between the Critical Employee and ENBC, or (6) the Critical Employee's gross
negligence resulting in material harm to ENBC.  For purposes of this definition,
(x) no act, or failure to act, on the Critical Employee's part shall be deemed
"willful" unless done, or omitted to be done, by the Critical Employee not in
good faith and without reasonable belief that the Critical Employee's act, or
failure to act, was in the best interest of ENBC and (y) in the event of a
dispute concerning the application of this provision, no claim by ENBC that
Cause exists shall be given effect unless ENBC establishes by clear and
convincing evidence that Cause exists.

     6.  Definition of "Good Reason." For the purpose of the Retention Program,
         --------------------------
Good Reason" means the occurrence (without the Critical Employee's express
written consent) of any one of the following acts by ENBC or failures by ENBC to
act, unless, in the case of any act or failure to act described in paragraph
(1), (5) or (6) below, such act or failure to act is corrected within 15 days of
notice thereof given by the Critical Employee to ENBC: (1) a substantial adverse
alteration in the nature or status of the Critical Employee's responsibilities;
(2) a reduction by ENBC in the Critical Employee's annual base salary as in
effect on the date of the adoption of this Retention Program or as the same may
be increased from time to time; (3) the relocation of the Critical Employee's
principal place of employment to a location more than 60 miles from the Critical
Employee's existing principal place of employment or ENBC's requiring the
Critical Employee to be based anywhere other than such principal place of
employment (or permitted relocation thereof) except for required travel on
ENBC's business to an extent substantially consistent with the Critical
Employee's obligations; (4) the failure by ENBC to pay to the Critical Employee
any portion of his or her current compensation within seven (7) days of the date
such compensation is due; (5) the failure by the Company to continue in effect
any compensation plan in which the Critical Employee participates on the date of
the adoption of this Retention Program which is material to the Critical
Employee's total compensation, unless an

                                       2
<PAGE>

equitable arrangement (embodied in an ongoing substitute or alternative plan)
has been made with respect to such plan, or the failure by ENBC to continue the
Critical Employee's participation therein (or in such substitute or alternative
plan) on a basis not materially less favorable, both in terms of the amount or
timing of payment of benefits provided and the level of Critical Employee's
participation relative to other participants; or (6) the failure by ENBC to
continue to provide the Critical Employee with benefits substantially similar to
those enjoyed by the Critical Employee under any of ENBC's life insurance,
medical, health and accident, or disability plans (except for across the board
changes similarly affecting all management employees of ENBC) or the failure of
ENBC to provide the Critical Employee with the number of paid vacation days to
which the Critical Employee is entitled in accordance with ENBC's normal
vacation policy in effect on the date of the adoption of this Retention Program.
The Critical Employee's right to terminate his or her employment for Good Reason
shall not be affected by the Critical Employee's incapacity due to physical or
mental illness. The Critical Employee's continued employment shall not
constitute consent to, or waiver of rights with respect to, any act or failure
to act constituting Good Reason hereunder. For purposes of any determination
regarding the existence of Good Reason, any claim by the Critical Employee that
Good Reason exists shall be presumed to be correct unless ENBC establishes by
clear and convincing evidence that Good Reason does not exist.

     7.  Vacancies in Critical Positions. If the position held by a Critical
         -------------------------------
Employee becomes vacant prior to the successful completion of the restructuring
and ENBC hires a new employee for, or promotes a current employee to, that
position, the appropriate officers of ENBC will be authorized to offer to the
new or promoted employee a Stay Bonus up to the amount of the Stay Bonus
indicated on the Schedule of Payments for the employee currently holding that
position (less amounts previously paid or that will become payable to the
employee who vacated the position).

     8.  Assurances of Payment. ENBC will take such action as may be reasonably
         ---------------------
required to assure payment of the Stay Bonuses. Without limiting the generality
of the foregoing, the appropriate officers of ENBC are expressly authorized to
cause the issuance of one or more letters of credit, or similar security, to
secure such payment. In the event ENBC seeks to complete the Restructuring
pursuant to a reorganization proceeding, ENBC shall seek assumption of the
Retention Program as soon as practicable after commencing its case and will seek
to have all unpaid Stay Bonuses treated as administrative claims.

     9.  Miscellaneous Provisions.
         ------------------------

         (a) No eligible employee shall have any right with respect to a Stay
Bonus hereunder until all of the conditions to the receipt of such Stay Bonus
have been met.

         (b) ENBC shall have the right to deduct from any payment made under
this Employee Retention Program any federal, state, local or foreign income or
other taxes required by law to be withheld with respect to such payment.

         (c) The expenses of administering the Employee Retention Program shall
be borne by ENBC.

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<PAGE>

         (d) By accepting any benefit under this Employee Retention Program,
each eligible employee and each person claiming under or through such person
shall be conclusively deemed to have indicated his or her acceptance and
ratification of, and consent to, any action taken under the Employee Retention
Program by ENBC or those administering the Employee Retention Program.

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