Document:

<PAGE>

                                                                   EXHIBIT 4-AB

                   SIXTH AMENDMENT TO PARTICIPATION AGREEMENT

         THIS SIXTH AMENDMENT dated as of March 13, 2003 (this "Amendment")
amends the Participation Agreement dated as of April 30, 1998 (as previously
amended, the "Participation Agreement") by and among MARYGREEN, LLC, a Delaware
limited liability company, as the Lessee (together with any permitted successors
and assigns, the "Lessee"); TRUSERV CORPORATION, a Delaware corporation, as the
Lessee Agent, Construction Agent and Guarantor (in its capacity as Lessee Agent,
the "Lessee Agent"; in its capacity as Construction Agent, the "Construction
Agent"; and in its capacity as Guarantor, the "Guarantor"); TRUSERV 1998 TRUST,
a Delaware business trust, as the Lessor Trust (the "Lessor Trust"); WILMINGTON
TRUST COMPANY, a Delaware banking corporation, individually as set forth herein
and as Trustee under the Lessor Trust ("Owner Trustee"); BMO GLOBAL CAPITAL
SOLUTIONS, INC., a Delaware corporation formerly known as BMO Leasing (U.S.),
Inc., as a Certificate Holder (together with any permitted successors and
assigns thereto, each a "Certificate Holder" and collectively the "Certificate
Holders"); BMO GLOBAL CAPITAL SOLUTIONS, INC., a Delaware corporation formerly
known as BMO Leasing (U.S.), Inc., as Agent Certificate Holder for the
Certificate Holders (in such capacity, the "Agent Certificate Holder"); BANK OF
MONTREAL, a Canadian banking organization ("BMO"), and the other various
financial institutions as are or may from time to time become lenders (the
"Lenders") under the Loan Agreement; and BMO as Administrative Agent (in such
capacity, the "Administrative Agent") for the Lenders and as Arranger (in such
capacity, the "Arranger"). Terms defined in the Participation Agreement are,
unless otherwise defined herein or the context otherwise requires, used herein
as defined therein.

         WHEREAS, the Lessee, the Guarantor, the Lessor Trust, the Owner
Trustee, the Certificate Holders, the Agent Certificate Holder, the Lenders, the
Administrative Agent and the Arranger have entered into the Participation
Agreement; and

         WHEREAS, the parties hereto desire to amend the Participation Agreement
and Appendix A to the Participation Agreement as more fully set forth herein;

         NOW, THEREFORE, the parties hereto agree as follows:

         Section 1. Amendment to Participation Agreement and Appendix A.
Effective on (and subject to the occurrence of) the Amendment Effective Date (as
defined below), the Participation Agreement and Appendix A shall be amended in
accordance with this Section:

         Section 1.1. The definition of "Existing Credit Agreement" appearing in
Appendix A is hereby amended by inserting the following phrase at the end
thereof: "and the Second Amendment thereto dated as of March 13, 2003."

         Section 1.2. The definition of "Maturity Date" appearing in Appendix A
is hereby amended in its entirety to read as follows: "Maturity Date" means with
respect to the Loans and the Certificate Holder Amounts, the earlier of (a)
December 31, 2003 and (b) the date on which the Existing Credit Agreement is
paid in full. Notwithstanding anything to the contrary in any

<PAGE>

Operative Document, the period between April 30, 2003 and the Maturity Date, as
amended above, shall be deemed to be a "Renewal Term" for purposes of the
Operative Documents.

         Section 1.3. Administrative Agent and each of the Participants hereby
approve, for purposes of Section G of Appendix A, the new definitions and
amendments to definitions set forth in the Existing Credit Agreement and such
new definitions and changes to definitions shall be incorporated in Appendix A.

         Section 1.4. Section 4.4(e) is hereby amended by deleting the phrase
"on each Scheduled Payment Date" and replacing it with "on the last day of
March, June, September and December hereafter."

         Section 1.5. The table set forth in Section 10.2(a) is amended in its
entirety to read as follows:

<Table>
<Caption>

Fiscal quarter ending on or about           Minimum Fixed Charge Coverage Ratio
---------------------------------           -----------------------------------
<S>                                                    <C>
December 31, 2002                                       0.70 to 1
March 31, 2003                                          0.76 to 1
June 30, 2003                                           0.73 to 1
September 30, 2003                                      0.68 to 1
December 31, 2003                                       1.01 to 1
March 31, 2004                                          1.10 to 1
June 30, 2004                                           1.00 to 1
</Table>

         Section 1.6. The table set forth in Section 10.2(n) is amended in its
entirety to read as follows:

<Table>
<Caption>

Fiscal quarter ending on or about           Minimum Interest Coverage Ratio
---------------------------------           -------------------------------
<S>                                                    <C>
December 31, 2002                                       1.75 to 1
March 31, 2003                                          1.65 to 1
June 30, 2003                                           1.75 to 1
September 30, 2003                                      1.85 to 1
December 31, 2003                                       2.32 to 1
March 31, 2004                                          2.58 to 1
June 30, 2004                                           2.74 to 1
</Table>

         Section 1.7. The table set forth in Section 10.2(o) is amended in its
entirety to read as follows:

<Table>
<Caption>

Twelve Month Period ending on or about              Minimum Amount
--------------------------------------              --------------
<S>                                                <C>
December 31, 2002                                   $1,975,000,000
</Table>

                                       2
<PAGE>

<Table>
<S>                                                 <C>
January 31, 2003                                    $1,834,400,000
February 28, 2003                                   $1,795,700,000
March 31, 2003                                      $1,750,700,000
April 30, 2003                                      $1,737,300,000
May 31, 2003                                        $1,750,900,000
June 30, 2003                                       $1,737,600,000
July 31, 2003                                       $1,728,800,000
August 31, 2003                                     $1,724,800,000
September 30, 2003                                  $1,725,400,000
October 31, 2003                                    $1,728,000,000
November 30, 2003                                   $1,709,100,000
December 31, 2003                                   $1,702,900,000
January 31, 2004                                    $1,700,000,000
February 29, 2004                                   $1,697,600,000
March 31, 2004                                      $1,694,500,000
April 30, 2004                                      $1,690,300,000
May 31, 2004                                        $1,682,900,000
June 30, 2004                                       $1,676,300,000
</Table>

         Section 1.8. The table set forth in Section 10.2(q) is amended in its
entirety to read as follows:

<Table>
<Caption>

Twelve Month Period ending on or about              Minimum Adjusted EBITDA
--------------------------------------              -----------------------
<S>                                                     <C>
December 31, 2002                                       $100,000,000
January 31, 2003                                         $97,200,000
February 28, 2003                                        $92,400,000
March 31, 2003                                           $87,400,000
April 30, 2003                                           $87,100,000
May 31, 2003                                             $83,900,000
June 30, 2003                                            $78,400,000
July 31, 2003                                            $72,900,000
August 31, 2003                                          $70,300,000
September 30, 2003                                       $68,200,000
October 31, 2003                                         $67,100,000
November 30, 2003                                        $66,000,000
December 31, 2003                                        $68,800,000
January 31, 2004                                         $69,400,000
February 29, 2004                                        $70,100,000
March 31, 2004                                           $73,700,000
April 30, 2004                                           $71,600,000
May 31, 2004                                             $71,700,000
June 30, 2004                                            $73,000,000
</Table>

                                        3
<PAGE>

         Section 1.9. The Participants agree that notwithstanding anything to
the contrary set forth in the Participation Agreement or any other Operative
Document, all payments of principal (heretofore and hereafter made) on the Lease
Balance other than from proceeds of the sale of the Property shall be first
applied to the Loans until the Loans are paid in full and thereafter to the
Certificate Holder Amounts.

         Section 2. Fixed Rent. The Agent Certificate Holder and the Lessee
hereby agree that, notwithstanding anything to the contrary contained in any
Operative Document, the Fixed Rent shall remain the amount set forth on Schedule
III to the Lease Supplement during the Renewal Term.

         Section 3. Representations and Warranties. The Guarantor represents and
warrants to the Administrative Agent and the Participants that, after giving
effect hereto, (a) each representation and warranty (as amended hereby) set
forth in Section 8.2 of the Participation Agreement (except for those set forth
in Sections 8.2(j), 8.2(l), 8.2(q) and 8.2(t)), is true and correct as of the
date of the execution and delivery of this Amendment by the Guarantor with the
same effect as if made on such date (except to the extent such representations
and warranties expressly refer to an earlier date, in which case they were true
and correct as of such earlier date), provided that the representations and
warranties contained in Section 8.2(n) shall be deemed to be made in light of
the letter dated August 26, 2002 by the Guarantor to each of the Benefited
Parties (as defined in the Intercreditor Agreement) and (b) no Event of Default
or Unmatured Event of Default exists.

         Section 4. Effectiveness. The amendments set forth in Section 1 above
shall become effective on the date (the "Amendment Effective Date") when the
Administrative Agent shall have received (a) to the extent then billed, all
costs and expenses of the Administrative Agent in connection with this Amendment
(including reasonable attorneys' fees and charges and all costs, expenses and
charges for a field examination) and (b) counterparts of this Amendment executed
by the Guarantor, the Lessee and the Required Participants

         Section 5. Miscellaneous.

         Section 5.1. Continuing Effectiveness, etc. As herein amended, the
Participation Agreement shall remain in full force and effect and is hereby
ratified and confirmed in all respects. After the Amendment Effective Date, all
references in the Participation Agreement and the other Operative Documents to
"Participation Agreement", or similar terms shall refer to the Participation
Agreement, as amended hereby.

         Section 5.2. Counterparts. This Amendment may be executed in any number
of counterparts and by the different parties on separate counterparts, and each
such counterpart shall be deemed to be an original but all such counterparts
shall together constitute one and the same Amendment.

         Section 5.3. Governing Law. This Amendment shall be a contract made
under and governed by the laws of the State of Illinois.

                                       4
<PAGE>

         Section 5.4. Successors and Assigns. This Amendment shall be binding
upon the Lessee, the Guarantor, the Lessor Trust, the Owner Trustee, the
Certificate Holders, the Agent Certificate Holder, the Lenders, the
Administrative Agent and the Arranger and their respective successors and
assigns, and shall inure to the benefit of the Lessee, Guarantor the Lessor
Trust, the Owner Trustee, the Certificate Holders, the Agent Certificate Holder,
the Lenders and the Administrative Agent and the respective successors and
assigns of the Lessor Trust, the Owner Trustee, the Certificate Holders, the
Agent Certificate Holder, the Lenders and the Administrative Agent.

         Section 5.5. Participation of Guaranty. By execution of this Amendment,
Guarantor hereby restates, ratifies and reaffirms in full its obligations under
the Guaranty.

         Section 5.6. Consents. Notwithstanding any provision in the Operative
Documents to the contrary, each signatory hereto hereby consents to the Second
Amendment to the Existing Credit Agreement and to the amendments to the
Financing Agreements set forth as Exhibits B and C thereto.

         Section 5.7. Further Assurances. Upon the request of the Required
Participants, the Guarantor agrees to provide and cause its Subsidiaries to
provide to the Participants such additional amendments, consents, reaffirmations
and ancillary documentation as is necessary or advisable, in the sole reasonable
discretion of the Required Participants, to ensure that the Collateral Documents
are in full force and effect in all respects.

                                       5
<PAGE>

         Delivered at Chicago, Illinois, as of the day and year first above
written.

                                         TRUSERV CORPORATION, as Lessee Agent,
                                           Construction Agent and Guarantor

                                         By : /s/ BARBARA L. WAGNER
                                              ---------------------------------
                                              Its Vice President

                                         MARYGREEN, LLC, as Lessee

                                         By:  TruServ Corporation, its sole
                                              member

                                         By : /s/ BARBARA L. WAGNER
                                              ----------------------------------
                                              Its Vice President

                                         BMO GLOBAL CAPITAL SOLUTIONS, INC.,
                                           formerly known as BMO Leasing (U.S.),
                                           Inc., as Agent Certificate Holder and
                                           as a Certificate Holder

                                         By : /s/ MICHAEL P. JOYCE
                                              ----------------------------------
                                              Its President

                                         BANK OF MONTREAL, as Administrative
                                           Agent, Arranger and as a Lender

                                         By : /s/ JACK J. KANE
                                              ---------------------------------
                                              Its Vice President

                                         WILMINGTON TRUST COMPANY, not in its
                                              individual capacity, except as
                                              expressly provided herein, but
                                              solely as Owner Trustee

                                         By : /s/ MONICA M. HENRY
                                              ----------------------------------
                                              Its Senior Financial Services
                                              Officer

                                         TRUSERV 1998 TRUST, as Lessor Trust

                                         By:  Wilmington Trust Company, not in
                                                its individual capacity but
                                                solely as Owner Trustee

                                         By : /s/ MONICA M. HENRY
                                              ---------------------------------
                                              Its Senior Financial Services
                                              Officer

                                       6<PAGE>

                                                                    EXHIBIT 4-AC

                                SECOND AMENDMENT

         THIS SECOND AMENDMENT dated as of March 13, 2003 (this "Amendment")
amends the Second Amended and Restated Credit Agreement dated as of April 11,
2002 (as previously amended, the "Credit Agreement") among TruServ Corporation
(the "Company"), various financial institutions from time to time party thereto
(the "Lenders") and Bank of America, N.A., as agent for the Lenders (in such
capacity, the "Agent"). Capitalized terms used but not otherwise defined herein
have the respective meanings given to them in the Credit Agreement.

         WHEREAS, the Company, the Lenders and the Agent have entered into the
Credit Agreement; and

         WHEREAS, the parties hereto desire to amend the Credit Agreement as
more fully set forth herein;

         NOW, THEREFORE, the parties hereto agree as follows:

         SECTION 1 Amendments. Effective on (and subject to the occurrence of)
the Amendment Effective Date (as defined below), the Credit Agreement shall be
amended as set forth below:

         1.1 Amendment to Definition of "Business Plan". The definition of
"Business Plan" is amended in its entirety to read as follows:

                  Business Plan means the business plan of the Company which was
         delivered by the Company to the Agent on February 14, 2003; provided
         that, with respect to financial reports relating to the periods prior
         to 2003, "Business Plan" means the Business Plan of the Company dated
         March 20, 2002 which was delivered by the Company to the Agent.

         1.2 Amendment to Section 7.1. The table set forth in Section 7.1 is
amended in its entirety to read as follows:

<Table>
<Caption>
      Fiscal quarter ending on or about          Minimum Fixed Charge
      ---------------------------------             Coverage Ratio
                                                    --------------
<S>                                                   <C>
        December 31, 2002                              0.70 to 1
        March 31, 2003                                 0.76 to 1
        June 30, 2003                                  0.73 to 1
        September 30, 2003                             0.68 to 1
        December 31, 2003                              1.01 to 1
        March 31, 2004                                 1.10 to 1
        June 30, 2004                                  1.00 to 1
</Table>

<PAGE>

         1.3 Amendment to Section 7.14. The table set forth in Section 7.14 is
amended in its entirety to read as follows:

<Table>
<Caption>
      Fiscal quarter ending on or about            Minimum Interest
      ---------------------------------             Coverage Ratio
                                                    --------------
<S>                                                  <C>
        December 31, 2002                             1.75 to 1
        March 31, 2003                                1.65 to 1
        June 30, 2003                                 1.75 to 1
        September 30, 2003                            1.85 to 1
        December 31, 2003                             2.32 to 1
        March 31, 2004                                2.58 to 1
        June 30, 2004                                 2.74 to 1
</Table>

         1.4 Amendment to Section 7.15. The table set forth in Section 7.15 is
amended in its entirety to read as follows:

<Table>
<Caption>
    Fiscal period ending on or about              Minimum Amount
    -------------------------------               --------------
<S>                                              <C>
    December 31, 2002                             $1,975,000,000
    January 31, 2003                              $1,834,400,000
    February 28, 2003                             $1,795,700,000
    March 31, 2003                                $1,750,700,000
    April 30, 2003                                $1,737,300,000
    May 31, 2003                                  $1,750,900,000
    June 30, 2003                                 $1,737,600,000
    July 31, 2003                                 $1,728,800,000
    August 31, 2003                               $1,724,800,000
    September 30, 2003                            $1,725,400,000
    October 31, 2003                              $1,728,000,000
    November 30, 2003                             $1,709,100,000
    December 31, 2003                             $1,702,900,000
    January 31, 2004                              $1,700,000,000
    February 29, 2004                             $1,697,600,000
    March 31, 2004                                $1,694,500,000
    April 30, 2004                                $1,690,300,000
    May 31, 2004                                  $1,682,900,000
    June 30, 2004                                 $1,676,300,000
</Table>

                                       2
<PAGE>

         1.5 Amendment to Section 7.17. The table set forth in Section 7.17 is
amended in its entirety to read as follows:

<Table>
<Caption>
          Fiscal period ending on or about                 Minimum Adjusted
          --------------------------------                      EBITDA
                                                                ------
<S>                                                        <C>
December 31, 2002                                           $100,000,000
January 31, 2003                                            $ 97,200,000
February 28, 2003                                           $ 92,400,000
March 31, 2003                                              $ 87,400,000
April 30, 2003                                              $ 87,100,000
May 31, 2003                                                $ 83,900,000
June 30, 2003                                               $ 78,400,000
July 31, 2003                                               $ 72,900,000
August 31, 2003                                             $ 70,300,000
September 30, 2003                                          $ 68,200,000
October 31, 2003                                            $ 67,100,000
November 30, 2003                                           $ 66,000,000
December 31, 2003                                           $ 68,800,000
January 31, 2004                                            $ 69,400,000
February 29, 2004                                           $ 70,100,000
March 31, 2004                                              $ 73,700,000
April 30, 2004                                              $ 71,600,000
May 31, 2004                                                $ 71,700,000
June 30, 2004                                               $ 73,000,000.
</Table>

         SECTION 2 Representations and Warranties. The Company represents and
warrants to the Agent and the Lenders that, after giving effect hereto, (a) each
representation and warranty set forth in Article V of the Credit Agreement is
true and correct as of the date of the execution and delivery of this Amendment
by the Company with the same effect as if made on such date (except to the
extent such representations and warranties expressly refer to an earlier date,
in which case they were true and correct as of such earlier date) subject, in
the case of the representations and warranties contained in Sections 5.2 and
5.12 of the Credit Agreement, to the matters disclosed in the waiver letter
dated October 3, 2002 executed by the Lenders, and (b) no Event of Default or
Unmatured Event of Default exists.

         SECTION 3 Effectiveness. The amendments set forth in Section 1 above
shall become effective on the date (the "Amendment Effective Date") when the
Agent shall have received the following:

         (a) to the extent then billed, all costs and expenses of the Agent in
connection with this Amendment (including reasonable attorneys' fees and charges
and all costs, expenses and charges for a field examination);

         (b) counterparts of this Amendment executed by the Company and the
Required Lenders;

                                       3
<PAGE>

         (c) a Confirmation, substantially in the form of Exhibit A, signed by
the Company and each Guarantor; and

         (d) evidence that the Company shall have entered into amendments to the
Senior Note Agreements and the Shelf Note Agreement (each as defined in the
Intercreditor Agreement) in form and substance reasonably satisfactory to the
Agent.

         SECTION 4  Miscellaneous.

         4.1 Continuing Effectiveness, etc. As herein amended, the Credit
Agreement shall remain in full force and effect and is hereby ratified and
confirmed in all respects. After the Amendment Effective Date, all references in
the Credit Agreement and the other Loan Documents to "this Agreement", "the
Credit Agreement" or similar terms shall refer to the Credit Agreement as
amended hereby.

         4.2 Counterparts. This Amendment may be executed in any number of
counterparts and by the different parties on separate counterparts, and each
such counterpart shall be deemed to be an original but all such counterparts
shall together constitute one and the same Amendment.

         4.3 Governing Law. This Amendment shall be a contract made under and
governed by the laws of the State of Illinois applicable to contracts made and
to be performed entirely within such state.

         4.4 Successors and Assigns. This Amendment shall be binding upon the
Company, the Lenders and the Agent and their respective successors and assigns,
and shall inure to the benefit of the Company, the Lenders and the Agent and the
respective successors and assigns of the Lenders and the Agent.

         4.5 Consents. Notwithstanding any provision in the Credit Agreement to
the contrary, the Required Lenders consent to the amendments to the Financing
Agreements set forth as Exhibits B, C and D hereto.

         4.6 Further Assurances. Upon the request of the Required Lenders, the
Company agrees to provide and cause its Subsidiaries to provide to the Lenders
such additional amendments, consents, reaffirmations and ancillary documentation
as is necessary or advisable, in the sole reasonable discretion of the Required
Lenders, to ensure that the Collateral Documents are in full force and effect in
all respects.

                                       4
<PAGE>

         Delivered at Chicago, Illinois, as of the day and year first above
written.

                                            TRUSERV CORPORATION

                                            By: /s/ BARBARA L. WAGNER
                                              ----------------------------------
                                            Title: Vice President
                                                 -------------------------------

                                            BANK OF AMERICA, N.A., as Agent

                                            By: /s/ RONALD PRINCE
                                              ----------------------------------
                                            Title: Senior Vice President
                                                 -------------------------------

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

                                            By: /s/ RONALD PRINCE
                                              ----------------------------------
                                            Title: Senior Vice President
                                                 -------------------------------

                                       5
<PAGE>

                                            BANK OF MONTREAL

                                            By: /s/ HEATHER TURF
                                              ---------------------------------
                                            Title: Director
                                                 ------------------------------

                                       6
<PAGE>

                                            BANK ONE, NA (Main Office Chicago)

                                            By: /s/ RICHARD BABCOCK
                                              ---------------------------------
                                            Title: First Vice President
                                                 ------------------------------

                                       7
<PAGE>

                                            PNC BANK, NATIONAL ASSOCIATION

                                             By: /s/ GARY BEST
                                               --------------------------------
                                             Title: Vice President
                                                  -----------------------------

                                       8
<PAGE>

                                            WACHOVIA BANK, N.A.

                                            By: /s/ JAMES BARWIS
                                              ---------------------------------
                                            Title: Director
                                                 ------------------------------

                                       9
<PAGE>

                                            THE NORTHERN TRUST COMPANY

                                            By: /s/ OLGA GEORGIEV
                                              ---------------------------------
                                            Title: Vice President
                                                 ------------------------------

                                       10
<PAGE>

                                            ABN AMRO BANK N.V.

                                            By:
                                              ---------------------------------
                                            Title:
                                                 ------------------------------

                                            By:
                                              ---------------------------------
                                            Title:
                                                 ------------------------------

                                       11
<PAGE>

                                            NATIONAL CONSUMER COOPERATIVE BANK

                                            By: /s/ MARK W. HILTZ
                                              ---------------------------------
                                            Title: Managing Director
                                                 ------------------------------

                                       12
<PAGE>

                                            UMB BANK, N.A.

                                            By: /s/ TERRY DIERKS
                                              ---------------------------------
                                            Title: Senior Vice President
                                                 ------------------------------

                                       13
<PAGE>

                                    Exhibit A

                                  CONFIRMATION

                           Dated as of March 13, 2003

To:      Bank of America, N.A., individually and as Collateral Agent, and the
         the other "Benefited Parties" as defined in the Intercreditor Agreement
         referred to below

         Please refer to: (a) the First Amended and Restated Intercreditor
Agreement dated as of April 11, 2002 (the "Intercreditor Agreement"; capitalized
terms used but not defined herein have the respective meanings ascribed thereto
in the Intercreditor Agreement) among various creditors of TruServ Corporation
and Bank of America, N.A., as Collateral Agent; (b) the Second Amendment dated
as of the date hereof to the Credit Agreement; (c) the Second Amendments dated
as of the date hereof to the Senior Note Agreements; and (d) the Second
Amendment dated as of the date hereof to the Shelf Note Agreement.

         Each of the undersigned hereby confirms to the Collateral Agent and
each of the other Benefited Parties that, after giving effect to Second
Amendments referred to in clauses (b), (c) and (d) of the preceding paragraph
and the transactions contemplated thereby, the Guaranty and each Collateral
Document to which such undersigned is a party continues in full force and effect
and is the legal, valid and binding obligation of such undersigned, enforceable
against such undersigned in accordance with its terms.

                                          TRUSERV ACCEPTANCE COMPANY
                                          TRUSERV LOGISTICS COMPANY
                                          GENERAL PAINT & MANUFACTURING COMPANY
                                          MARYGREEN, LLC
                                          TRUE VALUE.COM CORPORATION
                                          ADVOCATE SERVICES, INC.
                                          SERVISTAR PAINT COMPANY

                                          By: /s/ BARBARA L. WAGNER
                                            ------------------------------------
                                          Name Printed: Barbara L. Wagner
                                          Title:  Vice President

                                       14
<PAGE>

                                   EXHIBIT B-D
                       AMENDMENTS TO FINANCING AGREEMENTS

                                       15

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