Document:

<PAGE>

                                  Exhibit 10.1

                       AMENDMENT NO. 5 TO CREDIT AGREEMENT

THIS AMENDMENT NO. 5 TO CREDIT AGREEMENT (this "Amendment"), dated as of
                                                ---------
July 24, 2003, by and among:

                  (i) ANTHONY & SYLVAN POOLS CORPORATION, an Ohio corporation
         (herein, together with its successors and assigns, the "Borrower");
                                                                 --------

                  (ii) the financial institutions listed on the signature pages
         hereof (collectively, the "Lenders"); and
                                    -------

                  (iii) NATIONAL CITY BANK, a national banking association, as a
         Lender, the Letter of Credit Issuer, the Collateral Agent and the
         Administrative Agent.

         PRELIMINARY STATEMENTS:

(1) The Borrower, the Lenders, the Letter of Credit Issuer, the Collateral Agent
and the Administrative Agent entered into the Credit Agreement, dated as of July
8, 1999, as amended (the "Credit Agreement"; capitalized terms used herein and
                          ----------------
not defined herein are used herein as defined in the Credit Agreement).

(2) The parties hereto desire to modify certain provisions of the Credit
Agreement, all as more fully set forth below. NOW, THEREFORE, the parties hereby
agree as follows:

SECTION 1. AMENDMENTS, ACKNOWLEDGMENTS AND WAIVERS.

1.1. Reduction of Commitments. The Borrower has requested a permanent reduction
     ------------------------
of the Commitments of the Lenders pursuant to Section 4.2 of the Credit
Agreement such that after giving effect to such reduction the aggregate amount
of the Commitments will equal $25,000,000.00 (the "Commitment Reduction"). On
                                                   --------------------
the Amendment Effective Date (defined below), the Commitment Reduction will take
effect.

1.2. Amendment to Schedule 1. The Credit Agreement is hereby amended to replace
     -----------------------
Annex I thereto with Annex I hereto.
-------              -------

1.3. Assignment and Adjustment of Commitments. Effective on and after the
     ----------------------------------------
Amendment Effective Date, National City Bank hereby assigns a portion of its
share of its Commitment to each of LaSalle Bank National Association and U.S.
Bank National Association such that after giving effect to such assignment, the
allocations relating to the respective Commitments of the Lenders shall be as
set forth on Annex I hereto. Such assignment shall be effective notwithstanding
             -------
any of the requirements set forth in Section 12.4 of the Credit Agreement.

SECTION 2. REPRESENTATIONS AND WARRANTIES. The Borrower represents and warrants
to the Lenders and the Administrative Agent as follows:

2.1. Authorization, Validity and Binding Effect. This Amendment has been duly
     ------------------------------------------
authorized by all necessary corporate action on the part of the Borrower, has
been duly executed and delivered by a duly authorized officer or officers of the
Borrower, and constitutes the valid and binding agreement of the Borrower,
enforceable against the Borrower in accordance with its terms.

2.2. Representations and Warranties True and Correct. The representations and
     -----------------------------------------------
warranties of the Borrower contained in the Credit Agreement, as amended hereby,
are true and correct on and as of the date hereof as though made on and as of
the date hereof, except to the extent that such representations and warranties
expressly relate to a specified date, in which case such representations and
warranties are hereby reaffirmed as true and correct when made.

2.3. No Event of Default. No condition or event has occurred or exists that
     -------------------
constitutes or that, after notice or lapse of time or both, would constitute a
Default or an Event of Default.

2.4. No Claims. The Borrower is not aware of any claim or offset against, or
     ---------
defense or counterclaim to, any of its obligations or liabilities under the
Credit Agreement or any other Credit Document.

SECTION 3. RATIFICATIONS. Except as expressly modified and superseded by this
Amendment, the terms and provisions of the Credit Agreement are ratified and
confirmed and shall continue in full force and effect.

SECTION 4. BINDING EFFECT. This Amendment shall become effective as of the date
first written above (the "Amendment Effective Date"), subject to the
                          ------------------------
satisfaction of the following conditions on or before such date:

(a) this Amendment shall have been executed by the Borrower, the Lenders and the
Administrative Agent, and counterparts hereof as so executed shall have been
delivered to the Administrative Agent;

(b) the Borrower shall have executed and delivered to each Lender a new Note,
dated as of the Amendment Effective Date, reflecting such Lender's reduced
Commitment, and after each Lender receives its new Note, such Lender shall mark
the Note being replaced thereby "replaced" and return the same to the Borrower;

(c) the Borrower shall have delivered to the Administrative Agent a certificate
in the form of Exhibit A hereto that is completed to the satisfaction of the
               ---------
Administrative Agent;

                                       16

<PAGE>

(d) the Borrower shall have paid to the Administrative Agent, for the benefit of
each Lender signing this Amendment, an amendment fee in the amount of 5.00 basis
points times the amount of each such Lender's Commitment (after giving effect to
the reduction in Commitments described in Section 1.1 of this Amendment); and

(e) the Borrower shall have provided such other items and shall have satisfied
such other conditions as may be reasonably required by the Administrative Agent
and the Lenders.

SECTION 5.        MISCELLANEOUS.

5.1. Successors and Assigns. This Amendment shall be binding upon and inure to
     ----------------------
the benefit of the Borrower, each Lender and the Administrative Agent and their
respective permitted successors and assigns.

5.2. Survival of Representations and Warranties. All representations and
     ------------------------------------------
warranties made in this Amendment shall survive the execution and delivery of
this Amendment, and no investigation by the Administrative Agent or any Lender
or any subsequent Loan or issuance of a Letter of Credit shall affect the
representations and warranties or the right of the Administrative Agent or any
Lender to rely upon them.

5.3. Reference to Credit Agreement. The Credit Agreement and any and all other
     -----------------------------
agreements, instruments or documentation now or hereafter executed and delivered
pursuant to the terms of the Credit Agreement as amended hereby, are hereby
amended so that any reference therein to the Credit Agreement shall mean a
reference to the Credit Agreement as amended hereby.

5.4. Expenses. As provided in the Credit Agreement, but without limiting any
     --------
terms or provisions thereof, the Borrower agrees to pay on demand all costs and
expenses incurred by the Administrative Agent in connection with the
preparation, negotiation, and execution of this Amendment, including without
limitation the costs and fees of the Administrative Agent's special legal
counsel, regardless of whether this Amendment becomes effective in accordance
with the terms hereof, and all costs and expenses incurred by the Administrative
Agent or any Lender in connection with the enforcement or preservation of any
rights under the Credit Agreement, as amended hereby.

5.5. Severability. Any term or provision of this Amendment held by a court of
     ------------
competent jurisdiction to be invalid or unenforceable shall not impair or
invalidate the remainder of this Amendment and the effect thereof shall be
confined to the term or provision so held to be invalid or unenforceable.

5.6. Applicable Law. This Amendment shall be governed by and construed in
     --------------
accordance with the laws of the State of Ohio, without regard to principles of
conflicts of laws.

5.7. Headings. The headings, captions and arrangements used in this Amendment
     --------
are for convenience only and shall not affect the interpretation of this
Amendment.

5.8. Entire Agreement. This Amendment is specifically limited to the matters
     ----------------
expressly set forth herein. This Amendment and all other instruments, agreements
and documentation executed and delivered in connection with this Amendment
embody the final, entire agreement among the parties hereto with respect to the
subject matter hereof and supersede any and all prior commitments, agreements,
representations and understandings, whether written or oral, relating to the
matters covered by this Amendment, and may not be contradicted or varied by
evidence of prior, contemporaneous or subsequent oral agreements or discussions
of the parties hereto. There are no oral agreements among the parties hereto
relating to the subject matter hereof or any other subject matter relating to
the Credit Agreement.

5.9. Waiver of Claims. The Borrower, by signing below, hereby waives and
     ----------------
releases the Administrative Agent, the Collateral Agent, the Letter of Credit
Issuer and each of the Lenders and their respective directors, officers,
employees, attorneys, affiliates and subsidiaries from any and all claims,
offsets, defenses and counterclaims of which Borrower is aware, such waiver and
release being with full knowledge and understanding of the circumstances and
effect thereof and after having consulted legal counsel with respect thereto.

5.10. Counterparts. This Amendment may be executed by the parties hereto
      ------------
separately in one or more counterparts, each of which when so executed shall be
deemed to be an original, but all of which when taken together shall constitute
one and the same agreement. Transmission by a party to another party (or its
counsel) via facsimile of a copy of this Amendment (or a signature page of this
Amendment) shall be as fully effective as delivery by such transmitting party to
the other parties hereto of a counterpart of this Amendment that had been
manually signed by such transmitting party.

5.11. JURY TRIAL WAIVER. EACH OF THE PARTIES TO THIS AMENDMENT HEREBY
      -----------------
IRREVOCABLY WAIVES ALL RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING OR
COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS AMENDMENT, THE OTHER CREDIT
DOCUMENTS OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY. EACH PARTY HERETO
HEREBY (A) CERTIFIES THAT NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER
PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY 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 AMENDMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND
CERTIFICATIONS IN THIS PARAGRAPH.

                  [Remainder of page intentionally left blank.]

                                       17

<PAGE>

IN WITNESS WHEREOF, this Amendment has been duly executed and delivered as of
the date first above written.
<TABLE>
<CAPTION>
ANTHONY & SYLVAN POOLS                                      NATIONAL CITY BANK,
   CORPORATION                                                as the Administrative Agent, the Collateral
                                                              Agent, the Letter of Credit Issuer and as a Lender
<S>                                                        <C>
By:
    -------------------------------------------------
Name:                                                       By:
      -----------------------------------------------          -----------------------------------------------
Title:                                                         Judith M. Kuclo, Senior Vice President
       ----------------------------------------------

LASALLE BANK NATIONAL ASSOCIATION                           U.S. BANK NATIONAL ASSOCIATION
                                                            (f/k/a FIRSTAR BANK, N.A.)

By:
     ------------------------------------------------
Name:                                                       By:
      -----------------------------------------------           -----------------------------------------------
Title:                                                          Christine C. Gencer, Vice President
       ----------------------------------------------
</TABLE>

                                       18<PAGE>
                                                                     Exhibit 4.5

                           THIRD AMENDMENT AND WAIVER

     This THIRD AMENDMENT AND WAIVER (this "Waiver"), effective as of August 7,
2003 (the "Effective Date"), is entered into by and among U.S. Concrete, Inc., a
Delaware corporation, (the "Borrower"), the Guarantors signatory hereto under
the caption "Guarantors" (together with each other Person who becomes a
Guarantor, collectively, the "Guarantors"), the Lenders signatory hereto under
the caption "Lenders" (together with each other Person who becomes a Lender,
collectively, the "Lenders") and JPMorgan Chase Bank, formerly known as The
Chase Manhattan Bank, a New York banking corporation, as administrative agent
for the other Lenders (in such capacity, together with any other Person who
becomes the administrative agent, the "Administrative Agent"), Credit Lyonnais
New York Branch and First Union National Bank, as syndication agents, and Branch
Banking & Trust Company, as documentation agent.

                              PRELIMINARY STATEMENT

     WHEREAS, the Borrower, the Guarantors, the Lenders, the Administrative
Agent, the syndication agents and the documentation agent have entered into that
certain Amended and Restated Credit Agreement dated as of August 31, 2001 (the
"Original Credit Agreement") under the terms of which the Lenders agreed to make
Revolving Credit Loans to the Borrower in an amount not exceeding
$200,000,000.00; and

     WHEREAS, the Borrower, the Guarantors, the Lenders, the Administrative
Agent, the syndication agents and the documentation agent have entered into that
certain First Amendment to Amended and Restated Credit Agreement dated as of May
21, 2002 (the "First Amendment") and that certain Second Amendment to Amended
and Restated Credit Agreement dated as of April 4, 2003 (the "Second Amendment")
pursuant to which the parties agreed to amend certain terms of the Original
Credit Agreement (the Original Credit Agreement, as amended by the First
Amendment and the Second Amendment, is hereinafter referred to as, the "Credit
Agreement"); and

     WHEREAS, the Borrower has requested the Lenders and the Administrative
Agent waive its failure to comply with the covenant under 6.8(d) of the Credit
Agreement; and

     WHEREAS, the Lenders and the Administrative Agent have agreed to do so to
the extent reflected in this Waiver, subject to the terms hereof and provided
that each of the Borrower and the Guarantors ratifies and confirms all of its
respective obligations under the Credit Agreement and the Loan Documents.

     NOW, THEREFORE, in consideration of the premises and for other good and
valuable consideration and the mutual benefits, covenants and agreements herein
expressed, the receipt and sufficiency of which are hereby acknowledged, the
parties hereby agree as follows:

<PAGE>

     1.   Defined Terms. All capitalized terms used in this Waiver and not
otherwise defined herein shall have the meanings ascribed to such terms in the
Credit Agreement.

     2.   Amendment. The Credit Agreement is hereby amended to provide that,
notwithstanding any contrary provision thereof, during the Effective Period (as
defined below), the aggregate maximum Revolving Credit Exposures for all Lenders
shall not exceed One Hundred Twenty-Five Million and No/100 Dollars
($125,000,000). The Lenders shall have no obligation to fund any Loan that would
cause the aggregate Revolving Credit Exposures for all Lenders to exceed such
amount during the Effective Period.

     3.   Waiver. The Lenders hereby waive compliance by the Borrower with the
covenant contained in Section 6.8(d) of the Credit Agreement, only to the extent
required to avoid a Default, only for the calendar quarter ended June 30, 2003,
but not thereafter and only for the period of time specified in paragraph 5
hereof.

     4.   Limitation on Waiver. This Waiver is limited solely to the purposes
and to the extent provided herein and shall have no applicability to any
obligation of the Borrower except those described in Section 6.8(d) of the
Credit Agreement. This Waiver shall not be construed to be a waiver, except as
specifically provided in paragraph 3 of this Waiver, (i) of any term, condition
or provision of the Credit Agreement or (ii) of any Default or Event of Default
that has or may have occurred or occurs other than as specified in paragraph 3.
Except as specifically provided herein, the Credit Agreement will continue in
full force and effect.

     5.   Effective Period of Waiver. This Waiver shall be effective from the
Effective Date through and until October 15, 2003 (the "Effective Period"), at
which time Borrower's failure to comply with the covenant contained in Section
6.8(d) for the calendar quarter ended June 30, 2003, and any other event
constituting an Event of Default under the Credit Agreement shall be an Event of
Default with respect to which the Administrative Agent, on behalf of the
Lenders, may exercise all remedies under the Credit Agreement.

     6.   Ratification. Each of the Borrower, as to itself and each Guarantor,
and each Guarantor, as to itself, hereby ratifies all of its respective
obligations under the Credit Agreement (including the Guaranty contained
therein) and each of the Loan Documents to which it is a party, and agrees and
acknowledges that the Credit Agreement and each of the Loan Documents to which
it is a party remains in full force and effect and shall continue in full force
and effect. Except as amended or modified by this Waiver, nothing in this Waiver
extinguishes, novates or releases any right, claim, lien, security interest or
entitlement of any of the Lenders or the Administrative Agent created by or
contained in any of such documents nor is the Borrower or any Guarantor released
from any covenant, warranty or obligation created by or contained therein or
herein.

     7.   Representations and Warranties. Each of the Borrower, as to itself and
each Guarantor, and each Guarantor, as to itself, hereby represents and warrants
to the Administrative Agent and the Lenders that (a) this Waiver has been duly
executed and delivered on behalf of the Borrower and such Guarantor, (b) this
Waiver constitutes a valid and legally binding agreement enforceable against the
Borrower or such Guarantor, as the case may be, in accordance with its terms,
subject to applicable bankruptcy, insolvency, fraudulent transfer,
reorganization,

                                       -2-

<PAGE>

moratorium or other laws affecting creditors' rights generally and subject to
general principles of equity, regardless of whether considered in a proceeding
in equity or at law, (c) the representations and warranties contained in the
Credit Agreement and the Loan Documents shall be true and correct on and as of
the date of each Borrowing and the date of issuance, amendment, renewal or
extension of each Letter of Credit, as applicable, except to the extent such
representations and warranties relate to a prior date or, after prior notice to
the Administrative Agent, are untrue or incorrect as a result of transactions
permitted by the Loan Documents, (d) no Default or Event of Default exists under
the Credit Agreement or under any other Loan Document, and (e) the execution,
delivery and performance of this Waiver has been duly authorized by the Borrower
and each Guarantor.

     8.   Conditions to Effectiveness. This Waiver shall be effective as of the
Effective Date upon (i) the execution and delivery hereof by the Borrower, each
Guarantor and Lenders constituting the Required Lenders to the Administrative
Agent and receipt by the Administrative Agent of this Waiver and (ii) payment by
the Borrower to the Administrative Agent for the benefit of the Lenders of any
fees agreed to by the Borrower and the Lenders in connection with this Waiver.

     9.   Counterparts. This Waiver may be signed in any number of counterparts,
which may be delivered in original or facsimile form each of which shall be
construed as an original, but all of which together shall constitute one and the
same instrument.

     10.  Governing Law. This Waiver, the Credit Agreement, all Notes, the other
Loan Documents and all other documents executed in connection herewith shall be
deemed to be contracts and agreements under the laws of the State of Texas and
of the United States of America and for all purposes shall be construed in
accordance with, and governed by, the laws of Texas and of the United States.

     11.  Final Agreement of the Parties. THIS WAIVER AND THE CREDIT AGREEMENT
AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES
AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT
ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN
THE PARTIES.

                                       -3-

<PAGE>

     IN WITNESS WHEREOF, the parties hereto have caused this Waiver to be
executed by their respective officers or other authorized representatives
thereunto duly authorized as of the date first above written.

                                        Borrower:

                                        U.S. CONCRETE

                                        By: /s/ Michael W. Harlan
                                            ------------------------------------
                                            Michael W. Harlan
                                            Senior Vice President

                                        Guarantors:

                                        American Concrete Products, Inc., a
                                           California corporation
                                        Atlas-Tuck Concrete, Inc., an Oklahoma
                                           corporation
                                        Beall Industries, Inc., a Texas
                                           corporation
                                        Beall Management, Inc., a Texas
                                           corporation
                                        Central Concrete Supply Co., Inc., a
                                           California corporation
                                        Central Precast Concrete, Inc., a
                                           California corporation
                                        Ready Mix Concrete Company of Knoxville,
                                           a Delaware corporation
                                        San Diego Precast Concrete, Inc., a
                                           Delaware corporation
                                        Sierra Precast, Inc., a California
                                           corporation
                                        Smith Pre-Cast, Inc., a Delaware
                                           corporation
                                        USC Atlantic, Inc., a Delaware
                                           corporation
                                        USC GP, Inc., a Delaware corporation
                                        USC Midsouth, Inc., a Delaware
                                           corporation
                                        USC Michigan, Inc., a Delaware
                                           corporation

                                        By: /s/ Michael W. Harlan
                                            ------------------------------------
                                            Michael W. Harlan
                                            Vice President

                           [Signature Page to Waiver]

<PAGE>

                                        USC Management Co., LP, a Texas limited
                                           partnership

                                        By:  USC GP, Inc., its General Partner

                                           By: /s/ Michael W. Harlan
                                               ---------------------------------
                                               Michael W. Harlan
                                               Vice President

                                        Beall Concrete Enterprises, Ltd., a
                                          Texas limited partnership

                                        By:  Beall Management, Inc., its General
                                             Partner

                                           By: /s/ Michael W. Harlan
                                               ---------------------------------
                                               Michael W. Harlan
                                               Vice President

                                        AFTM Corporation, a Michigan
                                          corporation

                                        By: /s/ Terry Green
                                            ------------------------------------
                                            Terry Green
                                            Vice President

                                        Titan Concrete Industries, Inc. (f/k/a
                                           Carrier Excavation and Foundation
                                           Company, a Delaware corporation)
                                        Eastern Concrete Materials, Inc., a
                                           New Jersey corporation
                                        Superior Materials, Inc. (f/k/a Superior
                                           Redi-Mix, Inc., a Michigan
                                           corporation)

                                        By: /s/ Cesar Monroy
                                            ------------------------------------
                                            Cesar Monroy
                                            Vice President

                           [Signature Page to Waiver]

<PAGE>

                                        B.W.B., Inc. of Michigan, a Delaware
                                           corporation
                                        Central Concrete Corp., a Delaware
                                           corporation
                                        Superior Materials Company, Inc., a
                                           Delaware corporation

                                        By: /s/ Donald Wayne
                                            ------------------------------------
                                            Donald Wayne
                                            Vice President

                           [Signature Page to Waiver]

<PAGE>

                                        Wyoming Concrete Industries, Inc., a
                                          Delaware corporation

                                        By: /s/ Eugene P. Martineau
                                            ------------------------------------
                                            Eugene P. Martineau
                                            Vice President

                           [Signature Page to Waiver]

<PAGE>

                                        Administrative Agent/Lender:

                                        JPMORGAN CHASE BANK, formerly known as
                                        The Chase Manhattan Bank

                                        By:    /s/ Michael J. Castello
                                               ---------------------------------
                                        Name:  Michael J. Castello
                                               ---------------------------------
                                        Title: Managing Director
                                               ---------------------------------

                           [Signature Page to Waiver]

<PAGE>

                                        Syndication Agent/Lender:

                                        CREDIT LYONNAIS NEW YORK BRANCH

                                        By:    /s/ Phillipe Soustra
                                               ---------------------------------
                                        Name:  Phillipe Soustra
                                               ---------------------------------
                                        Title: Executive  Vice President
                                               ---------------------------------

                           [Signature Page to Waiver]

<PAGE>

                                        Syndication Agent/Lender:

                                        FIRST UNION NATIONAL BANK

                                        By:    /s/ Shawn R. Janko
                                               ---------------------------------
                                        Name:  Shawn R. Janko
                                               ---------------------------------
                                        Title: Vice President
                                               ---------------------------------

                           [Signature Page to Waiver]

<PAGE>

                                        Documentation Agent/Lender:

                                        BRANCH BANKING & TRUST COMPANY

                                        By:    /s/ Cory Boyte
                                               ---------------------------------
                                        Name:  Cory Boyte
                                               ---------------------------------
                                        Title: Senior Vice President
                                               ---------------------------------

                           [Signature Page to Waiver]

<PAGE>

                                        Lender:

                                        BANK OF AMERICA, N.A.

                                        By:    /s/ Elizabeth B. Jennings
                                               ---------------------------------
                                        Name:  Elizabeth B. Jennings
                                               ---------------------------------
                                        Title: Assistant Vice President
                                               ---------------------------------

                           [Signature Page to Waiver]

<PAGE>

                                        Lender:

                                        BANK ONE, NA

                                        By: /s/ Joseph R. Perdenza, Director
                                            ------------------------------------
                                            Joseph R. Perdenza, Director

                           [Signature Page to Waiver]

<PAGE>

                                        Lender:

                                        THE BANK OF NOVA SCOTIA

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

                           [Signature Page to Waiver]

<PAGE>

                                        Co-Managing Agent/Lender:

                                        US BANK NATIONAL ASSOCIATION

                                        By:    /s/ Joseph L. Sooter, Jr.
                                               ---------------------------------
                                        Name:  Joseph L. Sooter, Jr.
                                               ---------------------------------
                                        Title: Vice President
                                               ---------------------------------

                           [Signature Page to Waiver]

<PAGE>

                                        Lender:

                                        COMERICA BANK

                                        By:    /s/ William S. Rogers
                                               ---------------------------------
                                        Name:  William S. Rogers
                                               ---------------------------------
                                        Title: Vice President
                                               ---------------------------------

                           [Signature Page to Waiver]

<PAGE>

                                        Lender:

                                        GUARANTY BANK

                                        By: /s/ Scott Brewer
                                            ------------------------------------
                                            Scott Brewer, Vice President

                           [Signature Page to Waiver]

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