Document:

AMENDMENT AGREEMENT NO. 5

         AMENDMENT AGREEMENT NO. 5, effective as of April 15, 2002 (this
"Amendment"), to the CREDIT AGREEMENT, dated as of March 31, 2000 (as heretofore
amended and as may be further amended, modified or supplemented from time to
time the "Credit Agreement"), among GENTLE DENTAL SERVICE CORPORATION, a
Washington corporation ("Dental Service"), GENTLE DENTAL MANAGEMENT, INC., a
Delaware corporation ("Dental Management"; Dental Service and Dental Management,
each a "Borrower" and collectively, the "Borrowers"), the Guarantors named
therein, the financial institutions from time to time party thereto
(collectively, the "Lenders"), UNION BANK OF CALIFORNIA, N.A., as administrative
agent for the Lenders (in such capacity, the "Administrative Agent"), and
JPMORGAN CHASE BANK, formerly known as THE CHASE MANHATTAN BANK, as syndication
agent for the Lenders (in such capacity, the "Syndication Agent").

         WHEREAS, the Borrowers have requested that the Lenders amend, and the
Lenders have agreed to amend, the Credit Agreement in certain respects;

         NOW, THEREFORE, the Borrowers, the Guarantors, the Lenders, the
Administrative Agent and the Syndication Agent hereby agree as follows:

SECTION 1. CAPITALIZED TERMS. Capitalized terms used herein and not defined
shall have the respective meanings assigned to such terms in the Credit
Agreement.

SECTION 2. AMENDMENTS TO THE CREDIT AGREEMENT. Upon the fulfillment of the
conditions set forth in Section 5 hereof, the Credit Agreement is hereby amended
as follows:

         DEFINITIONS. 1. Section 1.01 of the Credit Agreement is hereby amended
by adding the following definitions:

         "Amendment Fee" shall mean the fees earned by the Lenders pursuant to
Section 2.06(a).

         "Amendment Fee Date" shall mean July 1, 2002 or October 1, 2002 or such
         later Repayment Date on which a portion of the Amendment Fee is
         scheduled to be earned pursuant to Section 2.06(a).

         "Fee" shall mean the fees specified in Section 2.06, including the
Amendment Fee.

         "Fifth Amendment Date" shall mean April 15, 2002.
          --------------------

         "PIK Amounts" shall mean all PIK Fees and PIK Interest.

         "PIK Fee" shall mean the fees that are paid-in-kind pursuant to
Sections 2.06 and 2.17.

         "PIK Interest" shall mean interest accrued on the Loans at the PIK
         Interest Rate, which shall be paid-in-kind pursuant to Section 2.05(c).

         "PIK Interest Rate" shall mean the incremental rate at which interest
         (to be paid-in-kind) shall accrue on the Loans equal to 1.00% from the
         Fifth Amendment Date through March 31, 2003 and 2.00% from April 1,
         2003 through the Final Maturity Date.

         "Quarterly Amount" shall mean an amount equal to $785,714.29 for each
Repayment Date.

         "Seller/Earnout Payments" shall mean cash payments in respect of Seller
         Notes and Earnout Arrangements made during the period from April 8,
         2002 through April 30, 2003.

A. Section 1.01 of the Credit Agreement is hereby amended by deleting the
definition of the terms `Adjusted Senior Debt', `Bank Loans', `EBITDA',
`Interest Margin', `Leverage Ratio' and `Term Loan' and inserting the following
in lieu thereof:

         "Adjusted Senior Debt" shall mean, at any date, (i) the outstanding
         principal amount of Bank Loans, exclusive of PIK Amounts and "PIK
         Amounts", as defined in the 1999 Credit Agreement, plus (ii)
         Capitalized Lease Obligations.

         "Bank Loans" shall mean Loans, including PIK Amounts that have accrued
         and been earned pursuant hereto, and "Loans", as defined in the 1999
         Credit Agreement, including "PIK Amounts", as defined in the 1999
         Credit Agreement, that have accrued and been earned pursuant to the
         1999 Credit Agreement.

         "EBITDA" shall mean, with respect to any person for any period, without
         duplication, the sum of (i) Net Income, (ii) Interest Expense, (iii)
         depreciation and amortization and other non-cash items (other than any
         provision for bad debt) properly deducted in determining Net Income and
         (iv) federal, state and local income taxes, in each case of such person
         for such period minus interest income, calculated in accordance with
         GAAP.

         "Interest Margin" shall mean, effective on the Fifth Amendment Date,
         with respect to any Eurodollar Loan, 7.50% or, with respect to any
         Alternative Base Loan, 5.75% plus in each case the PIK Interest Rate.
         Notwithstanding the foregoing, effective on October 1, 2002, each of
         the foregoing Interest Margins shall be increased by 1.00%.

         "Leverage Ratio" shall mean, with respect to any person for any period,
         the ratio of (i) Adjusted Senior Debt as at the date of determination
         to (ii) EBITDA of such person for such period. For purposes of
         calculating the Leverage Ratio for the period ending March 31, 2002,
         EBITDA for the fiscal quarter then ended shall be multiplied by 4; for
         purposes of calculating the Leverage Ratio for the period ending June
         30, 2002, EBITDA for the two fiscal quarters then ended shall be
         multiplied by 2; for purposes of calculating the Leverage Ratio for the
         period ending September 30, 2002, EBITDA for the three fiscal quarters
         then ended shall be multiplied by 1.33; and for purposes of calculating
         the Leverage Ratio for all subsequent periods EBITDA for the four
         fiscal quarters then ended shall be used.

          "Term Loan" shall mean the Term Loan made on the Conversion Date
         pursuant to Sections 2.01(b) and 2.02 hereof, and shall include PIK
         Amounts that have accrued and been earned pursuant hereto.

                  THE LOANS.

B. Section 2.04(c) of the Credit Agreement is hereby amended by deleting it in
its entirety and inserting the following in lieu thereof:

                  "(c) Subject to Section 2.09(g), the aggregate principal
         amount of the Term Loan, as evidenced by the Term Notes, shall be
         payable in consecutive quarterly installments on the first Business Day
         of each October, January, April and July of each year and the Final
         Maturity Date (the date of each such installment, a "Repayment Date").
         Commencing July 1, 2002, such installments shall be in the amounts set
         forth opposite each Repayment Date in the table below:

Date                                          Amount*
----                                          -------
July 1, 2002                                 $  32,673.27
October 1, 2002                                 32,673.27
January 1, 2003                                 32,673.27
April 1, 2003                                  785,714.29
July 1, 2003                                   785,714.29
September 30, 2003                           6,973,408.65
-------------------
* Amount shown does not include PIK Amounts.

                  Such payments shall be distributed ratably among the Lenders
         in accordance with their pro rata share of the Term Loan.
         Notwithstanding anything herein to the contrary, the final installment
         under each Term Note shall be in the amount of the unpaid principal
         balance of such Term Note and shall be payable on the Final Maturity
         Date.

                  To the extent not previously paid, the Term Loan, including
         all PIK Amounts, shall be due and payable in cash on the Final Maturity
         Date. Each Term Note shall evidence PIK Amounts accruing with respect
         to the Term Loan of such Lender and shall bear interest from its date
         on the outstanding principal balance thereof (including any accrued PIK
         Amounts), as provided in Section 2.05. All principal payments in
         respect of the Term Loan shall be accompanied by accrued interest on
         the principal amount being repaid to the date of payment. No scheduled
         payment of principal in respect of the Term Loan shall be made to the
         extent that a lesser principal payment would result in the payment in
         full of the outstanding amount of the Term Loan (including PIK
         Amounts), and such lesser amount is paid."

C. Section 2.05(c) of the Credit Agreement is hereby amended by deleting the
first sentence thereof and inserting the following in lieu thereof:

                  "Interest on the Term Loan shall be payable in arrears in cash
         on each applicable Interest Payment Date and on the Final Maturity
         Date, as applicable, except that PIK Interest shall be paid-in-kind on
         the first Business Day of each month and the Final Maturity Date."

D. Section 2.05 of the Credit Agreement is further amended by adding the
following as Section 2.05(d):

                  "(d) Interest on PIK Amounts shall accrue at the Alternate
Base Rate plus the Interest Margin."

E. Section 2.06 of the Credit Agreement is hereby amended to read in full as
follows:

                  "SECTION 2.06  Fees.
                                 ----

                  (a) Unless either (i) all Obligations have been paid in full
         on or before July 1, 2002 or (ii) an amount equal to the Quarterly
         Amount has been paid to the Lenders as a reduction in the principal
         amount of the Term Loans subsequent to the Fifth Amendment Date and on
         or prior to July 1, 2002, an Amendment Fee equal to $27,227.72 shall be
         earned on such date and paid-in-kind. Unless either (i) all Obligations
         have been paid in full on or before October 1, 2002 or (ii) an amount
         equal to the Quarterly Amount has been paid to the Lenders as a
         reduction in the principal amount of the Term Loans subsequent to the
         Fifth Amendment Date and on or prior to October 1, 2002, an additional
         Amendment Fee equal to $27,227.72 shall be earned on such date and
         paid-in-kind. If an amount equal to the Quarterly Amount is paid to the
         Lenders on or before an Amendment Fee Date, the portion of the
         Amendment Fee otherwise scheduled to be earned on such Amendment Fee
         Date shall be earned on the next Repayment Date for which an amount
         equal to the Quarterly Amount is not paid to the Lenders, and the
         portion of the Amendment Fee, if any, otherwise scheduled to be earned
         on such next Repayment Date shall be earned on the following Repayment
         Date for which an amount at least equal to the Quarterly Amount is not
         paid to the Lenders. If the Borrowers pay the Quarterly Amount on each
         Repayment Date, no Amendment Fee shall be earned.

                  (b) Each Lender shall earn a Fee (i) on the Fifth Amendment
         Date equal to one percent (1.00%) of its portion of the Term Loan
         outstanding on such date, (ii) on October 1, 2002 equal to two percent
         (2.00%) of its portion of the Term Loan outstanding on such date and
         (iii) on April 1, 2003 equal to three percent (3.00%) of its portion of
         the Term Loan outstanding on such date. Each fee shall be paid-in-kind.

                  (c) The Lenders and the "Lenders" under the 1999 Credit
         Agreement shall shall earn a Fee on each Repayment Date occurring after
         the date on which the Borrowers shall have made aggregate
         Seller/Earnout Payments in excess of $7,000,000. Such Fee shall equal
         one-half of the Seller/Earnout Payments paid in the fiscal quarter
         ended immediately prior to such Repayment Date, but only to the extent,
         in the case of the first such Fee to be earned, all Seller/Earnout
         Payments exceed $7,000,000 in the aggregate, and shall be paid-in-kind
         (for the ratable benefit of the Lenders hereunder and the "Lenders"
         under the 1999 Credit Agreement). The certificate of the Financial
         Officer of each Borrower pursuant to Section 6.05(e), commencing with
         the fiscal quarter ending June 30, 2002, shall show the amount of the
         Seller/Earnout Payments for such fiscal quarter and on a cumulative
         basis.

                  (d) Each Fee shall bear interest commencing on the date earned
         in the same manner as, and at the rate equal to the rate borne by, an
         Alternate Base Loan from time to time, and shall be payable to each
         Lender in an amount equal to each Lender's pro rata share of the
         outstanding principal balance of the Term Loans."

F. Section 2.09 of the Credit Agreement is hereby amended by deleting paragraph
(e) thereof.

G. Section 2.09 of the Credit Agreement is hereby amended by deleting paragraph
(g) thereof and inserting the following in lieu thereof:

                  "(g) Voluntary prepayments of the Term Loan shall be applied
         pro rata (based on the aggregate of the unpaid amount of the Term Loan
         under this Agreement and the unpaid principal amount of the Term Loan
         under the 1999 Credit Agreement) and, with respect to the portion being
         applied to the Term Loan under this Agreement, to the installments due
         on the next four consecutive Repayment Dates from receipt of the
         prepayment in direct order of maturity and then on a pro rata basis
         over the remaining Repayment Dates. Payments pursuant to paragraph (d)
         or (f) above or paragraph (k) below shall be applied pro rata (based on
         the aggregate of the unpaid principal amount of the Term Loan under
         this Agreement and the unpaid principal amount of the Term Loan under
         the 1999 Credit Agreement) and, (i) with respect to the portion of
         payments pursuant to paragraph (d) or (f) above being applied to the
         Term Loan under this Agreement to the installments due on the next four
         consecutive Repayment Dates from receipt of the prepayment in direct
         order of maturity and then on a pro rata basis over the remaining
         Repayment Dates to the extent of such prepayment, and (ii) with respect
         to the portion of payments pursuant to paragraph (k) below being
         applied to the Term Loan under this Agreement, to the amounts due on
         the Final Maturity Date. Any prepayments required by paragraphs (d),
         (f) and (k) shall be applied first to outstanding Alternate Base Loans
         and then to outstanding Eurodollar Loans. When making a prepayment,
         whether mandatory or otherwise, pursuant to paragraphs (a)-(f) above or
         paragraph (k) below, the Borrowers shall furnish to the Administrative
         Agent, not later than 11:00 A.M. (Los Angeles, California time) three
         (3) Business Days prior to the date of such payment or prepayment,
         written, telex or facsimile notice (promptly confirmed in writing) of
         such prepayment which shall specify the prepayment date and the
         principal amount of each Loan (or portion thereof) to be paid or
         prepaid, which notice shall be irrevocable and shall commit the
         Borrowers to make such payment or prepayment in the amount stated
         therein on the date stated therein. All prepayments of Loans shall be
         accompanied by accrued interest on the principal amount being prepaid
         to the date of prepayment."

H. Section 2.09 of the Credit Agreement is further amended by adding the
following as paragraph (k):

                  "(k) In addition to the mandatory prepayments required by
         other subsections of this Section 2.09, on each date by which the
         Borrowers are required to deliver financial statements to the
         Administrative Agent pursuant to Section 6.05(b), commencing with the
         quarter ending June 30, 2002, the Borrowers shall make a mandatory
         prepayment of the Bank Loans in an amount equal to the excess, if any,
         by which all cash and Cash Equivalents, as shown on the balance sheet
         of the Borrowers and their subsidiaries, as of the end of such quarter,
         exceeds the sum of $4,000,000 plus the amortization payment and cash
         interest payments due with respect to the Bank Loans on the first day
         of the subsequent quarter, such payment or prepayment to be applied as
         set forth in paragraph (g) above; provided that, in determining
         available cash and Cash Equivalents for purposes of this mandatory
         prepayment, Borrowers' usual and customary practices regarding payments
         to vendors shall be observed, and Borrowers shall not accelerate
         payments to vendors or any other party as a means of reducing the
         amount of such mandatory prepayment."

I. Section 2.17 of the Credit Agreement is hereby amended to read in full as
follows:

                  "SECTION 2.17 Incremental Fee. Upon execution of Amendment No.
         3 to this Agreement, the Lenders and the "Lenders" under the 1999
         Credit Agreement shall fully earn a fee equal to $2,000,000 (the
         "Incremental Fee"). The Incremental Fee shall be payable to the
         Administrative Agent (for the ratable benefit of the Lenders hereunder
         and the "Lenders" under the 1999 Credit Agreement) in the following
         manner: (i) $1,000,000 on September 30, 2001 and (ii) $1,000,000 on the
         Final Maturity Date; provided that the portion of the Incremental Fee
         due on September 30, 2001 shall be prepaid in whole or in part upon an
         asset sale or other disposition, a New Capital Transaction or receipt
         of a federal income tax refund as provided in Section 2.09; and
         provided further that the portion of the Incremental Fee referenced in
         clause (ii) above shall be paid-in-kind and bear interest commencing on
         the Fifth Amendment Date at a rate equal to the rate borne by Alternate
         Base Loans from time to time."

         AFFIRMATIVE COVENANTS. Section 6.16 of the Credit Agreement is hereby
amended to read in full as follows.

                  "SECTION 6.16 Assignment of Contract. By May 1, 2002, provide
         to Administrative Agent an updated schedule to the Assignment of
         Contract listing all Management Agreements and related agreements with
         each Affiliated Dental Practice, in a form satisfactory to
         Administrative Agent and counsel to the Lenders."

         NEGATIVE COVENANTS. 1. Section 7.08 of the Credit Agreement is hereby
amended, effective as of March 31, 2002, to read in full as follows:

                  "SECTION 7.08 Cash Flow. Permit Cash Flow at the end of the
         fiscal quarter ended March 31, 2002, the two-fiscal quarter period
         ending June 30, 2002, the three-fiscal quarter period ending September
         30, 2002 and any four-fiscal quarter period ending thereafter to be
         less than the amounts shown below opposite such quarter end date:

     Quarter Ending Cash Flow
      ------------------------------------------          -----------------

              March 31, 2002                                   $2,600,000

              June 30, 2002                                     4,300,000

              September 30, 2002                                8,900,000

              December 31, 2002                                14,100,000

              March 31, 2003                                   16,300,000

              June 30, 2003 and thereafter                     19,800,000"

J. Section 7.09 of the Credit Agreement is hereby amended, effective as of March
31, 2002, to read in full as follows:

                  "SECTION 7.09 Leverage Ratio. Permit the Leverage Ratio of
         Holdings and its subsidiaries (on a Consolidated basis) at the end of
         any fiscal quarter to be greater than:

           Quarter Ending Ratio
          -------------------------------------------         -----------------

                  March 31, 2002                                  6.57:1.00

                  June 30, 2002                                   7.08:1.00

                  September 30, 2002                              5.54:1.00

                  December 31, 2002                               4.80:1.00

                  March 31, 2003                                  4.18:1.00

                  June 30, 2003 and thereafter                    3.51:1.00"

K. Section 7.10 of the Credit Agreement is hereby amended, effective on the
Closing Date, to read in full as follows:

                  "SECTION 7.10 Liquidity. Permit the sum of (i) unused
         commitments under new debt financing ranked junior to the Obligations
         and junior to the 1999 Obligations plus (ii) cash on hand of the
         Borrowers, Holdings and other Guarantors on deposit with the
         Administrative Agent or subject to blocked account agreements, on the
         last day of each month ending after the Closing Date, to be less than
         $500,000."

EXHIBITS. Exhibit L to the Credit Agreement (Form of Covenant Compliance
Certificate) is hereby amended to read as set forth in Exhibit L hereto.
---------

SECTION 3. WAIVER AND CONSENT. A. Subject to the terms and conditions set forth
herein, the Lenders hereby waive compliance with (i) Section 7.08 of the Credit
Agreement (as in effect prior to this Amendment) for the four fiscal quarter
period ended December 31, 2001 and with Section 7.09 of the Credit Agreement (as
in effect prior to this Amendment) for the quarter ended December 31, 2001 and
(ii) Section 6.01 of the Credit Agreement with respect to DentalCo Management
Services of Maryland, Inc., The Dental Center, Inc. and The Dental Center Adult,
Inc. (the "Dissolving Companies").

         B. Subject to the terms and conditions set forth herein, and
notwithstanding the provisions of Section 6.02 and Section 7.05 of the Credit
Agreement, the Lenders hereby consent to the dissolution of the Dissolving
Companies; provided that (i) no Default or Event of Default shall have occurred
and be continuing at the time of the dissolution of any of the Dissolving
Companies or shall result of any such dissolution, (ii) each such dissolution
results in the assets (if any) of the Dissolving Company being assumed by Dental
Service and (iii) simultaneously with each such dissolution, the Borrowers
deliver to the Administrative Agent an officer's certificate, from an officer of
the Dental Service, certifying (a) that (1) the assets (if any) of the
Dissolving Company have been assumed by Dental Service and (2) the security
interest of the Administrative Agent (for the ratable benefit of Lenders) in any
assets of the Dissolving Companies is the subject of an effective financing
statement in favor of the Administrative Agent and (b) balance sheets for Dental
Service and each Dissolving Company immediately prior to the dissolution of such
company and for Dental Service giving effect to such dissolution. Upon delivery
of evidence of the dissolution of each Dissolving Company in form and substance
satisfactory to the Administrative Agent and upon satisfaction of the provisions
of the foregoing sentence, such Dissolving Company shall cease to be a "Grantor"
under the Security Agreement and a Guarantor under the Credit Agreement and the
stock of such Dissolving Company shall no longer be considered "Pledged Stock"
or "Collateral" under the Pledge Agreement. Notwithstanding the foregoing, the
security interest of the Administrative Agent (for the ratable benefit of the
Lenders) in any assets of the Dissolving Companies shall continue.

                  C. Subject to the terms and conditions set forth herein and in
reliance on the representations and warranties of the Borrowers herein
contained, notwithstanding Section 7.17 of the Credit Agreement, the Lenders
hereby consent to the amendments to the Senior Subordinated Note reflected in
the amendment delivered pursuant to Section 5.8 hereof and the amendment to the
Senior Subordinated Note requiring an increase of the rate of interest thereon,
(i) during such time as interest is not paid in cash, to not more than 17%, and
(ii) during such time (after payment of the Obligations in full) as interest is
paid in cash, to not more than 13%, and payment of an amendment fee in the form
of an allonge to the Senior Subordinated Note in form and substance satisfactory
to the Administrative Agent and counsel to the Lenders in an amount not to
exceed $2,000,000.

SECTION 4. LIMITATION OF WAIVER AND CONSENT. Without limiting the generality of
the provisions of Section 11.08 of the Credit Agreement, the waiver and consent
set forth in Section 3 shall be limited precisely as written and is provided
solely with respect to (i) the noncompliance with Sections 6.01, 7.08 and 7.09
of the Credit Agreement as specified in Section 3, (ii) the dissolution of the
Dissolving Companies and (iii) the amendment to the Senior Subordinated Note.
Nothing in this Amendment shall be deemed to constitute (a) a waiver of
noncompliance with Sections 6.01, 7.08 or 7.09 of the Credit Agreement other
than as specified in Section 3, any dissolution of a Borrower or a Guarantor
other than the dissolution of the Dissolving Companies or any other amendment to
the Senior Subordinated Note, (b) a consent to or waiver of noncompliance with
any other term, provision or condition of the Credit Agreement or any other
instrument or agreement referred to therein or (c) a waiver of any other Event
of Default.

SECTION 5. CONDITIONS PRECEDENT. This Amendment shall become effective upon the
execution and delivery of counterparts hereof by the Borrowers, the Guarantors,
the Lenders and each of the Agents to the Administrative Agent and the
fulfillment of the following conditions:

                  The Administrative Agent shall have received evidence that
Amendment Agreement No. 8, dated as of April 15, 2002, to the 1999 Credit
Agreement has been executed and delivered by each of the parties thereto
concurrently with the execution and delivery of this Amendment and that all
conditions to the effectiveness thereof have been fulfilled.

                  The Administrative Agent shall have received a certificate
signed by a Financial Officer of each Borrower that (i) both before and after
giving effect to the transactions contemplated herein all representations and
warranties contained in this Amendment or otherwise made in writing to the
Administrative Agent in connection herewith shall be true and correct in all
material respects on and as of the date hereof (except insofar as such
representations and warranties relate expressly to an earlier date and except
with respect to the failure to maintain inactive subsidiaries in good standing)
and (ii) after giving effect to the transactions contemplated herein, there
exists no unwaived Default or Event of Default.

                  The Administrative Agent shall have received certified copies
of resolutions of the Board of Directors of each Borrower, approving and
authorizing the execution, delivery, and performance of this Amendment,
certified as of the date hereof by its corporate secretary or an assistant
secretary as being in full force and effect without modification or amendment.

                  The Administrative Agent shall have received an opinion of
Morrison & Foerster LLP, counsel to Borrowers, in form and substance
satisfactory to it.

                  The Administrative Agent shall have received an amendment fee
(which shall be in addition to the Amendment Fee referred to in Section 2.06(a)
of the Credit Agreement) equal to $54,455.45 for the account of the Lenders.

                  The Administrative Agent shall have received payment for fees
charged, and all costs and expenses incurred, by counsel to the Lenders that
have been invoiced through the date hereof.

                  The Administrative Agent shall have received an executed
amendment to the Assignment of Contract satisfactory in form and substance to
it.

                  The Administrative Agent shall have received a copy of an
executed amendment, in form and substance satisfactory to the Administrative
Agent, certified by an officer of each Borrower as being a true and correct copy
in full force and effect, to the Senior Subordinated Note providing, among other
things, that the financial covenants applicable to the Senior Subordinated Note
shall be revised so that the levels of the financial covenants applicable to the
Senior Subordinated Note shall not be more restrictive than 85% of the covenant
levels set forth in the Credit Agreement.

                  The Administrative Agent shall have received evidence that the
holders of the Senior Subordinated Note have waived all defaults (if any)
existing immediately prior to the Fifth Amendment Date.

                  The Administrative Agent shall have received signature and
incumbency certificates of the officers of each Borrower.

         The Administrative Agent shall have received from Dental Service and
The Dental Center Adult, Inc. an executed Joinder Agreement.

                  The Administrative Agent shall have received such other
documents as the Lenders or their counsel shall reasonably deem necessary.

SECTION 6. CONFIRMATION OF LOAN DOCUMENTS. Each Loan Party, by its execution and
delivery of this Amendment, irrevocably and unconditionally ratifies and
confirms in favor of the Administrative Agent that it consents to the terms and
conditions of the Credit Agreement as it has been amended by this Amendment and
that notwithstanding this Amendment, each Loan Document to which such Loan Party
is a party shall continue in full force and effect in accordance with its terms,
as it has been amended on the date hereof, and is and shall continue to be
applicable to all of the Obligations.

SECTION 7.        MISCELLANEOUS.
                  -------------

                  In order to induce the Lenders to enter into this Amendment,
each Borrower and each Guarantor, by its execution of a counterpart of this
Amendment, reaffirms and restates the representations and warranties set forth
in Article IV of the Credit Agreement, as amended by this Amendment and after
giving effect to the transactions contemplated herein, and all such
representations and warranties shall be true and correct in all material
respects on and as of the date hereof (except insofar as such representations
and warranties relate expressly to an earlier date and except with respect to
the failure to maintain inactive subsidiaries in good standing). To further
induce the Lenders into this Amendment, each Borrower and each Guarantor, by its
execution of a counterpart of this Amendment, represents and warrants (which
representations and warranties shall survive the execution and delivery hereof)
to the Administrative Agent that:

         It has the corporate power and authority to execute, deliver and carry
out the terms and provisions of this Amendment and the transactions contemplated
hereby and has taken or caused to be taken all necessary corporate action to
authorize the execution, delivery and performance of this Amendment and the
transactions contemplated hereby;

         No consent of any other person (including, without limitation,
shareholders or creditors of any Borrower or any Guarantor), and no action of,
or filing with any governmental or public body or authority is required to
authorize, or is otherwise required in connection with the execution, delivery
and performance of this Amendment;

         This Amendment has been duly executed and delivered on behalf of each
Borrower and each Guarantor by a duly authorized officer, and constitutes a
legal, valid and binding obligation of each Borrower and each Guarantor
enforceable in accordance with its terms, subject to bankruptcy, reorganization,
insolvency, moratorium and other similar laws affecting the enforcement of
creditors' rights generally and the exercise of judicial discretion in
accordance with general principles of equity;

         The execution, delivery and performance of this Amendment will not
violate any law, statute or regulation, or any order or decree of any court or
governmental instrumentality, or conflict with, or result in the breach of, or
constitute a default under any contractual obligation of any Borrower or any
Guarantor;

         Each of the Dissolving Companies has no material assets or liabilities;
and

         There are no defaults existing and continuing under the Senior
Subordinated Note and the Convertible Subordinated Notes, after giving effect to
the documents delivered pursuant to SECTION 5.

         Except, as herein expressly amended, the Credit Agreement is ratified
and confirmed in all respects and shall remain in full force and effect in
accordance with its terms, including, without limitation, the provisions set
forth in Section 11.04 of the Credit Agreement.

                  All references to the Credit Agreement contained in the Credit
Agreement and the other Loan Documents and the other documents and instruments
delivered pursuant to or in connection therewith shall mean the Credit
Agreement, as amended hereby and as may in the future be amended, restated,
supplemented or modified from time to time.

                  This Amendment may be executed by the parties hereto
individually or in combination, in one or more counterparts, each of which shall
be an original and all of which shall constitute one and the same agreement.

                  Delivery of an executed counterpart of a signature page to
this Amendment by telecopier shall be effective as delivery of a manually
executed counterpart of this Amendment.

                  THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED AND
INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD
TO CHOICE OR CONFLICT OF LAW PRINCIPLES THEREOF.

                  The parties hereto shall, at any time and from time to time
following the execution of this Amendment, execute and deliver all such further
instruments and take all such further actions as may be reasonably necessary or
appropriate in order to carry out the provisions of this Amendment.

<PAGE>

         IN WITNESS WHEREOF, the Borrowers, Guarantors, the Administrative
Agent, the Syndication Agent and the Lenders have caused this Amendment to be
duly executed by their respective authorized officers as of the day and year
first above written.

                          GENTLE DENTAL SERVICE CORPORATION, as a Borrower
                          By:         /s/ L.T. Van Eerden
                               ---------------------------
                          Name:    L.T. Van Eerden
                                 -----------------
                          Title:      President

                          GENTLE DENTAL MANAGEMENT, INC., as a Borrower
                          By:         /s/ L.T. Van Eerden
                               ----------------------------
                          Name:    L.T. Van Eerden
                                 -----------------
                          Title:   President

                          DENTALCO MANAGEMENT SERVICES OF MARYLAND, INC.,
                                            as a Guarantor
                          By:         /s/ L.T. Van Eerden
                          Name:    L.T. Van Eerden
                          Title: President

                          THE DENTAL CENTER, INC., as a Guarantor
                          By:         /s/ L.T. Van Eerden
                          Name:    L.T. Van Eerden
                          Title:   President

                          INTERDENT, INC., as a Guarantor

                       By:  /s/ H. Wayne Posey
                       Name:  H. Wayne Posey
                       Title: Chairman and Chief Executive Officer

                        UNION BANK OF CALIFORNIA, N.A., as Administrative Agent

                           By:         /s/ Nancy A. Perkins
                          Name:    Nancy A. Perkins
                          Title:      Vice President

                          JPMORGAN CHASE BANK, formerly known as THE CHASE

                          MANHATTAN BANK, as Syndication Agent and as a Lender
                          By:         /s/ Eric
                               ---------------
                          Groberg
                          -------
                          Name:    Eric
                                 ------
                          Groberg
                          -------
                          Title:      Vice
                                    ------
                          President
                          ---------
                          FIRST NATIONAL BANK, as a Lender
                          By:          /s/ Robert
                               ------------------
                          McNamara
                          --------
                          Name:    Robert McNamara
                                 -----------------
                          Title:      Vice
                                    ------
                          President
                          ---------
                          PLEASANT STREET INVESTORS, LLC, as a Lender
                          By:
                          /s/
                          ---
                          Name:

                          Title:

                          THE DENTAL CENTER ADULT, INC., as a Guarantor
                          By:         /s/ L.T. Van Eerden
                          Name:    L.T. Van Eerden
                          Title:       PresidentExhibit 10.1

                                 INTERDENT, INC.
                            1999 STOCK INCENTIVE PLAN
             (as amended on August 3, 2001 and adjusted for the
          one for six reverse stock split effective August 6, 2001)

         1. PURPOSE. The InterDent, Inc. 1999 Stock Incentive Plan (the "PLAN")
is intended to provide incentives which will attract and retain highly competent
persons as officers, employees and directors of InterDent, Inc., a Delaware
corporation (the "COMPANY"), its subsidiaries and dentists and other
professionals employed by corporations, partnerships, sole proprietorships or
other business organizations (collectively, the "AFFILIATED DENTAL PRACTICES")
which have entered into agreements with the Company or one of its subsidiaries
under which the Company or one of its subsidiaries manages the non-professional
aspects of the Affiliated Dental Practices, by providing them opportunities to
acquire shares of common stock of the Company, $.001 par value per share
("COMMON STOCK"), or to receive monetary payments based on the value of such
shares pursuant to the Benefits described herein.

         2. ADMINISTRATION. The Plan will be administered by the Compensation
Committee of the Board of Directors of the Company or another committee (the
"COMMITTEE"), appointed by the Board from among its members consisting of two or
more non-employee Directors who shall meet the requirements set forth in
Securities and Exchange Commission Regulation Section 240.16b-3 ("RULE 16b-3")
or any successor regulation.

         3. PARTICIPANTS. Participants will consist of such employees (including
officers) and directors of the Company or its subsidiaries, consultants, and
dentists and other professionals employed by Affiliated Dental Practices, as the
Committee in its sole discretion determines to be significantly responsible for
the success and future growth and profitability of the Company and whom the
Committee may designate from time to time to receive Benefits under the Plan.
Designation of a participant in any year shall not require the Committee to
designate such person or receive a Benefit in any other year or, once
designated, to receive the same type or amount of Benefit as granted to the
participant in any year. The Committee shall consider such factors as it deems
pertinent in selecting participants and in determining the type and amount of
their respective Benefits.

         4. TYPES OF BENEFITS. Benefits under the Plan may be granted in any one
or a combination of (a) Incentive Stock Options; (b) Non-qualified Stock
Options; (c) Stock Appreciation Rights; and (d) Stock Awards.

         5. SHARES RESERVED UNDER THE PLAN. There is hereby reserved for
issuance under the Plan an aggregate of five hundred forty-one thousand six
hundred sixty-six (541,666) shares of Common Stock, which may be authorized but
unissued or treasury shares. The maximum number of option shares and stock
appreciation rights which may be awarded to any participant in any calendar year
during the term of the Plan is 41,666 shares. Any shares subject to stock
options or Stock Appreciation Rights or issued under such options or rights or
as Stock Awards may thereafter be subject to new options, rights or awards under
this Plan if there is a lapse, expiration or termination of any such options or
rights prior to issuance of the shares or if shares are issued under such
options or rights or as such awards, and thereafter are reacquired by the
Company without consideration pursuant to rights reserved by the Company upon
issuance thereof.

         6. STOCK OPTIONS. Incentive Stock Options and Non-qualified Stock
Options will consist of stock options to purchase Common Stock at purchase
prices not less than 85% and 100%, respectively, of the fair market value of the
Common Stock on the date the option is granted. Said purchase price may be paid
by check to the Company or in the discretion of the Committee, payment may also
be made (i) by delivering a promissory note in a form determined by and
acceptable to the Committee (ii) in shares of Common Stock held for the
requisite period necessary to avoid a charge to the Company's earnings for
financial reporting purposes and valued at a fair market value as defined in
paragraph 15 hereof on the date of exercise, or (iii) to the extent the option
is exercised for vested shares, through a special sale and remittance procedure
pursuant to which the participant shall concurrently provide irrevocable written
instructions (A) to a Company-designated brokerage firm to effect the immediate
sale for the purchased shares and remit to the Company, out of the sale proceeds
available on the settlement date, sufficient funds to cover the aggregate
exercise price payable for the purchased shares plus all applicable Federal,
state and local income and employment taxes required to be withheld by the
Company by reason of such exercise and (B) to the Company to deliver the
certificates for the purchased shares directly to such brokerage firm in order
to complete the sale. Non-qualified Stock Options shall be exercisable not
earlier than six months and not later than fifteen years after the date they are
granted and Incentive Stock Options shall be exercisable not earlier than six
months and not later than ten years after the date they are granted. In the
event of termination of employment, all stock options shall terminate at such
times and upon such conditions or circumstances as the Committee shall in its
discretion set forth in such option at the date of grant. The aggregate fair
market value (determined as of the time the option is granted) of the Common
Stock with respect to which Incentive Stock Options are exercisable for the
first time by a participant during any calendar year (under all option plans of
the Company and its subsidiary corporations) shall not exceed $100,000. The
Committee may provide, either at the time of grant or subsequently, that a stock
option include the right to acquire a replacement stock option upon exercise of
the original stock option (in whole or in part) prior to termination of
employment of the participant and through payment of the exercise price in
shares of Common Stock. The terms and conditions of a replacement option shall
be determined by the Committee in its sole discretion.

         7. STOCK APPRECIATION RIGHTS. The Committee may, in its discretion,
grant Stock Appreciation Rights to the holders of any stock options granted
hereunder. In addition, Stock Appreciation Rights may be granted independently
of and without relation to options. Each Stock Appreciation Right shall be
subject to such terms and conditions consistent with the Plan as the Committee
shall impose from time to time, including the following:

         (a) A Stock Appreciation Right relating to an option may be made part
of such option at the time of its grant or at any time thereafter up to six
months prior to its expiration.

         (b) Each Stock Appreciation Right will entitle the holder to elect to
receive the appreciation in the fair market value of the shares subject thereto
up to the date the right is exercised. In the case of a right issued in relation
to a stock option, such appreciation shall be measured from not less than the
option price and in the case of a right issued independently of any stock
option, such appreciation shall be measured from not less than the fair market
value of the Common Stock on the date the right is granted. Payment of such
appreciation shall be made in cash or in Common Stock, or a combination thereof,
as set forth in the award, but no Stock Appreciation Right shall entitle the
holder to receive, upon exercise thereof, more than the number of shares of
Common Stock (or cash of equal value) with respect to which the right is
granted.

         (c) Each Stock Appreciation Right will be exercisable at the times and
to the extent set forth therein, but no Stock Appreciation Right may be
exercisable more than fifteen years after it was granted. Exercise of a Stock
Appreciation Right shall reduce the number of shares issuable under the Plan
(and the related option, if any) by the number of shares with respect to which
the right is exercised.

         8. STOCK AWARDS. Stock Awards will consist of Common Stock transferred
to participants without other payment therefore as additional compensation for
services to the Company and its subsidiaries. Stock Awards shall be subject to
such terms and conditions as the Committee determines appropriate, including,
without limitation, restrictions on the sale or other disposition of such
shares, rights of the Company to reacquire such shares upon termination of the
participant's employment within specified periods and conditions requiring that
the shares be earned in whole or in part upon the achievement of performance
goals established by the Committee over a designated period of time.

         9. ADJUSTMENT PROVISIONS.

          (a) If the Company shall at any time change the number of issued
shares of Common Stock without new consideration to the Company (such as by
stock dividends or stock splits), the total number of shares reserved for
issuance under this Plan and the number of shares covered by each outstanding
Benefit shall be adjusted so that the aggregate consideration payable to the
Company and the value of each such Benefit shall not be changed. The Committee
may also provide for the continuation of Benefits or for other equitable
adjustments after changes in the Common Stock resulting from reorganization,
sale, merger, consolidation or similar occurrence.

         (b) Notwithstanding any other provision of this Plan, and without
affecting the number of shares otherwise reserved or available hereunder, the
Committee may authorize the issuance or assumption of Benefits in connection
with any merger, consolidation, acquisition of property or stock, or
reorganization upon such terms and conditions as it may deem appropriate.

         (c) In the case of any merger, consolidation or combination of the
Company with or into another corporation, other than a merger, consolidation or
combination in which the Company is the continuing corporation and which does
not result in the outstanding Common Stock being converted into or exchanged for
different securities, cash or other property, or any combination thereof (an
"ACQUISITION"):

                  (i) any participant to whom a stock option has been granted
under the Plan shall have the right (subject to the provisions of the Plan and
any limitation applicable to such option) thereafter and during the term of such
option, to receive upon exercise thereof the Acquisition Consideration (as
defined below) receivable upon such Acquisition by a holder of the number of
shares of Common Stock which might have been obtained upon exercise of such
option or portion thereof, as the case may be, immediately prior to such
Acquisition;

                  (ii) any participant to whom a Stock Appreciation Right has
been granted under the Plan shall have the right (subject to the provisions of
the Plan and any limitation applicable to such right) thereafter and during the
term of such right to receive upon exercise thereof the difference between the
aggregate fair market value on the applicable date (as set forth in such right)
of the Acquisition Consideration receivable upon such Acquisition by a holder of
the number of shares of Common Stock which might have been obtained upon
exercise of the option related thereto or any portion thereof, as the case may
be, immediately prior to such Acquisition and the aggregate option price of the
related option, or the aggregate fair market value on the date of grant of the
right, whichever is applicable.

         The term "ACQUISITION CONSIDERATION" shall mean the kind and amount of
shares of the surviving or new corporation, cash, securities, evidence of
indebtedness, other property or any combination thereof receivable in respect of
one share of Common Stock of the Company upon consummation of an Acquisition.

         10. NONTRANSFERABILITY. Each Benefit granted under the Plan to a
participant shall not be transferable by such participant otherwise than by will
or the laws of descent and distribution, and shall be exercisable, during such
participant's lifetime, only by such participant. In the event of the death of a
participant, each Benefit theretofore granted to such participant shall be
exercisable within the period after such participant's death established by the
Committee at the time of grant (but not beyond the stated duration of the
Benefit) and then only:

         (a) By the executor or administrator of the estate of the deceased
participant or the person or persons to whom the deceased participant's rights
under the Benefit shall pass by will or the laws of descent and distribution;
and

         (b) To the extent that the deceased participant was entitled to do so
at the date of his or her death.

         Notwithstanding the foregoing, at the discretion of the Committee, an
award of a Benefit may permit the transferability of the Benefit by the
participant solely to members of the participant's immediate family or trusts or
family partnerships for the benefit of such persons subject to such terms and
conditions as may be established by the Committee.

         11. RETIREMENT OR GENERAL TERMINATION. Unless otherwise determined by
the Committee, if a participant's employment by the Company or any subsidiary of
the Company is terminated by retirement or for any reason other than death of
such participant, any Incentive Stock Option, Non-qualified Stock Option, Stock
Appreciation Right or Stock Award held by such participant may be exercised at
any time prior to the earlier of (i) its expiration date or (ii) ninety (90)
days after the date of termination of such participant, but only if and to the
extent the participant was vested in such award on the date of termination.

         Notwithstanding the foregoing, unless otherwise determined by the
Committee, any Incentive Stock Option, Non-qualified Stock Option, Stock
Appreciation Right or Stock Award granted to an employee under the Plan shall
continue to vest in accordance with its terms after termination of employment so
long as such former employee is continuously retained by the Company or one of
its subsidiaries on an independent contractor basis and for so long as such
independent contractor relationship continues uninterrupted. Transfer of an
employee by the Company or any subsidiary of the Company to the Company or any
subsidiary of the Company shall not be considered a termination for purposes of
the Plan.

         12. OTHER PROVISIONS. The award of any Benefit under the Plan may also
be subject to such other provisions (whether or not applicable to the Benefit
awarded to any other participant) as the Committee determines appropriate,
including without limitation, provisions for the installment purchase of Common
Stock under Stock Options, provisions for the installment exercise of Stock
Appreciation Rights, provisions to assist the participant in financing the
acquisition of Common Stock, restrictions on resale or other disposition,
provisions for the acceleration of exercisability of Benefits in the event of a
change of control of the Company, provisions for the payment of the value of the
Benefits to participants in the event of a change of control of the Company,
provisions to comply with Federal and state securities laws, or understandings
or conditions as to the participant's employment in addition to those
specifically provided for under the Plan.

         13. RULES. The Committee may establish such rules and regulations as it
considers desirable for the administration of the Plan.

         14. MANNER OF ACTION BY COMMITTEE. A majority of the members of the
Committee qualified to act on a question may act by meeting or by writing signed
without meeting and may execute, or delegate to one of its members authority to
execute, any instrument or document required. The Committee may delegate the
performance of ministerial functions in connection with the Plan to such person
or persons as the Committee may select. The costs of administration of the Plan
will be paid by the Company.

         15. FAIR MARKET VALUE. For purposes hereof, fair market value of Common
Stock shall be the closing sale price for the Company's Common Stock on the
Nasdaq National Market, or such other exchange or market on which the Common
Stock is primarily traded, as reported in the Wall Street Journal for the date
of calculation (or on the next preceding trading date if Common Stock was not
traded on the date of calculation).

         16. TAXES. The Company shall be entitled if necessary or desirable to
pay or withhold the amount of any tax attributable to any amounts payable under
the Plan after giving the person entitled to receive such amount notice as far
in advance as practicable, and the Company may defer making payment as to any
Benefit if any such tax may be pending until indemnified to its satisfaction.

         When a person is required to pay to the Company an amount required to
be withheld under applicable tax laws in connection with exercises of
Non-qualified Stock Options or other Benefits under the Plan, the Committee may,
in its discretion and subject to such rules as it may adopt, permit such person
to satisfy the obligation, in whole or in part, by electing to have the Company
withhold shares of Common Stock having a fair market value equal to the amount
required to be withheld.

         17. TENURE. A participant's right, if any, to continue to serve the
Company and its subsidiaries as an officer, employee, or otherwise, or to serve
an Affiliated Dental Practice, shall not be enlarged or otherwise affected by
his designation as a participant under the Plan.

         18. AMENDMENT AND TERMINATION. The terms and conditions applicable to
any Benefit granted under the Plan may be amended or modified by mutual
agreement between the Company and the participant or such other persons as may
then have an interest therein. Also, by mutual agreement between the Company and
a participant hereunder, or under any other present or future plan of the
Company, stock options or other Benefits may be granted to such participant in
substitution and exchange for, and in cancellation of, any Benefits previously
granted such participant under this Plan, or any Benefit previously or hereafter
granted to such participant under any other present or future plan of the
Company. The Board of Directors may amend the Plan from time to time or
terminate the Plan at any time. However, no action authorized by this paragraph
shall reduce the amount of any existing Benefit or change the terms and
conditions thereof without the participant's consent. The Board of Directors may
amend the Plan in any respect without stockholder approval if stockholder
approval is not then required to comply with Rule 16b-3 or other similar
requirements.

         19. STOCKHOLDER APPROVAL. The Plan was adopted by the Board of
Directors of the Company on April 20, 1999. The Plan and any Benefits granted
hereunder shall be null and void if stockholder approval is not obtained within
twelve (12) months of the adoption of the Plan by the Board of Directors. This
Plan shall continue in effect until terminated by the Board pursuant to Section
17; provided, however, that no Incentive Stock Option shall be granted more than
ten years after the date of the adoption of this Plan by the Board.

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