Document:

EXHIBIT 4.1

                             SIMBA TECHNOLOGIES INC.
                           INCENTIVE STOCK OPTION PLAN
                   (Amended and Restated as of June 26, 2000)

1.   PURPOSES

     The  purposes  of this  Incentive  Stock  Option  Plan (the  "Plan") are to
attract  and  retain the best  available  people for  positions  of  substantial
responsibility with Simba Technologies Inc.  ("Simba"),  a subsidiary of Pivotal
Corporation (the "Company"),  to provide additional incentives to the directors,
officers and employees of and  independent  contractors and consultants to Simba
and to promote the success of Simba's and the Company's business by providing to
such persons the opportunity to purchase common shares ("Shares") in the Company
pursuant to options granted hereunder ("Options").

2.   ADMINISTRATION

     (a) The Plan shall be administered by the Board of Directors ("Board") or a
committee or committees  appointed by, and consisting of two or more members of,
the Board (the Board or a committee  thereof  administering the Plan is referred
to below as the  "Administrator").  If and so long as the Shares are  registered
under  Section 12(b) or 12(g) of the United  States  Securities  Exchange Act of
1934, as amended  ("Exchange  Act"),  the Board shall  consider in selecting the
Administrator and the membership of any committee acting as Administrator,  with
respect to any persons  subject or likely to become subject to Section 16 of the
Exchange Act, the provisions  regarding (a) "outside  directors" as contemplated
by Section 162(m) of the United States Internal Revenue Code of 1986, as amended
("Code") and  "non-employee  directors" as  contemplated by Rule 16b-3 under the
Exchange Act. The Board may delegate the  responsibility  for  administering the
Plan with  respect to  designated  classes  of  eligible  persons  to  different
committees  consisting  of two or more  members  of the  Board,  subject to such
limitations as the Board deems  appropriate.  Committee  members shall serve for
such term as the Board may  determine,  subject  to  removal by the Board at any
time.  To the extent  consistent  with  applicable  law, the  Administrator  may
authorize and designate two officers of the Company,  acting together,  to grant
Options to  individuals  eligible to receive  grants under the Plan,  other than
executive officers or directors of the Company,  within the limits  specifically
prescribed by the Administrator.

     (b) Subject to the terms of the Plan and, in the case of a committee of the
Board, the specific duties delegated by the Board to such committee, and subject
to  the  approval  of any  relevant  authorities,  including  the  approval,  if
required,  of any stock  exchange  or market upon which the Shares are listed or
quoted, the Administrator shall have the authority, in its discretion:

     (i)       to determine the persons to whom Options may be granted;

     (ii)      to determine the number of Shares covered by each Option;

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     (iii)     to  determine  the  exercise  price per Share  specified  in each
               Option,   based  upon  the  Fair  Market  Value  of  the  Shares,
               determined in accordance with Section 7;

     (iv)      to determine the terms and conditions,  not inconsistent with the
               terms of the Plan, of Options granted hereunder or any agreement,
               undertaking,  representation  or covenant required to be executed
               in  connection  with or as a  condition  of the  exercise  of any
               Option;

     (v)       to set the time or times at which Options may be granted;

     (vi)      to approve forms of agreements and instruments under the Plan;

     (vii)     to amend the terms and  conditions  of the grant of any Option or
               Option agreement and accelerate the vesting of Options;

     (viii)    to  authorize  any person to execute on behalf of the Company any
               instrument  required to effect the grant of an Option  previously
               granted by the Administrator;

     (ix)      to  construe  and  interpret  the  terms of the Plan and  Options
               granted under the Plan;

     (x)       to  prescribe,  amend and  rescind  such  rules  and  regulations
               relating to the Plan as it may deem advisable; and

     (xi)      to make all other  determinations  deemed  necessary or advisable
               for administering the Plan.

     (c)  The  interpretation  and  construction  by  the  Administrator  of any
provisions of the Plan or of any Option  granted  hereunder  shall be conclusive
and binding upon the Company and the persons holdings Options ("Optionees").  No
member of the Administrator shall be liable for any action or determination made
in good faith with respect to the Plan or any Option granted under it.

     (d) Options  granted  pursuant to this Plan shall be  evidenced  by written
stock option agreements or certificates ("Option Certificate"), substantially in
the form  attached  hereto  as  Exhibit  A, or such  other  form or forms as the
Administrator may from time to time approve.

3.   COMPLIANCE WITH LAWS

     Transactions  under  the Plan are  intended  to  comply  with all  relevant
provisions of law and the rules and  regulations of any stock exchange or market
upon which the Shares may be listed or quoted.  To the extent any  provision  of
the Plan or action by the  Administrator  fails to so comply,  it will be deemed
null and void,  to the  extent  permitted  by law and  deemed  advisable  by the
Administrator.

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<PAGE>

4.   ELIGIBLE PERSONS

     (a) The  Administrator may from time to time authorize the grant of Options
to anyone who is at the time of such authorization:

     (i)       an  officer  or  employee  (collectively  an  "Employee")  of the
               Company or any subsidiary of the Company ("Subsidiary"),  meaning
               any  corporation,  partnership,  joint venture or other entity in
               which the Company owns or controls,  directly or indirectly,  not
               less than 50% of the total combined voting power,  and includes a
               subsidiary of a subsidiary;

     (ii)      subject to applicable  laws, an  independent  contractor or other
               person  providing  ongoing  consulting  services  (collectively a
               "Consultant") to the Company or a Subsidiary; or

     (iii)     a member of the Board of the Company or a Subsidiary;

     (collectively  the  "Eligible  Persons").  The granting of any Option to an
     Eligible  Person shall  neither  entitle him to, nor  disqualify  him from,
     participation in any other grant of Options.  Options may be granted to one
     or more Eligible  Persons without being granted to other Eligible  Persons,
     as the Administrator may deem fit;

     (b) The aggregate  number of Shares reserved for issuance upon the exercise
of Options  granted to Consultants  from time to time shall not exceed 2% of the
issued and outstanding  securities of the Company as of the date of the grant of
any Option to a Consultant.

5.   STOCK SUBJECT TO PLAN

     (a)  Subject  to the  provisions  of Section  11 of the Plan,  the  maximum
aggregate number of Shares which may be optioned by the Company and purchased by
Eligible Persons under the Plan is 320,000 Shares.

     The Shares may be authorized but unissued or reacquired  Shares,  or may be
Shares which have been allotted to a trustee for purposes of issuance  under the
Plan.  If an Option  expires or  becomes  unexercisable  for any reason  without
having been exercised in full, the unpurchased Shares which were subject thereto
shall, unless the Plan shall have been terminated, return to the Plan and become
available for other Options under the Plan.

     (b) If the Company purchases Shares from an Eligible Person pursuant to the
terms of a right of purchase or first  refusal as  hereinafter  described,  such
repurchased  Shares  shall be at the  Company's  discretion  either  retained or
cancelled  by the  Company,  and, in the event they are retained by the Company,
may become available for other Options under the Plan.

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6.       OPTION TERM

     The Shares  subject to each Option  shall vest and the Option  shall become
exercisable  at the time or times as  provided in the Option  Certificate.  Each
Option shall not be exercisable  after the expiration of ten years from the date
granted, subject to earlier termination as provided in Section 9, and may expire
on such earlier date or dates as may be fixed by the  Administrator.  Any Shares
not purchased prior to expiration of an Option granted  hereunder may thereafter
be  reallocated  and become  subject to  Options  granted in favour of  Eligible
Persons in accordance with the provisions of the Plan.

7.   OPTION EXERCISE PRICE

     (a)  In this section and in this Plan "Fair Market Value" means:

     (i)       if the Shares are listed on a stock exchange or a national market
               system,  the closing price per Share on the exchange or system as
               of  the  last   market   trading   day   prior  to  the  time  of
               determination, or if no Shares have been traded on such day, then
               as of the last  previous  day for which a trade was  reported  by
               such stock exchange or system;

     (ii)      if the Shares are  regularly  quoted by a  recognized  securities
               dealer but selling prices are not reported,  the average  between
               the high bid and low  asked  prices  for the  Shares  on the last
               market trading day prior to the date of determination; or,

     (iii)     in the absence of an established  market for the Shares, the Fair
               Market Value  thereof  shall be  determined  in good faith by the
               Administrator.

     (b) The per share  Option  exercise  price for the Shares to be issued upon
exercise  of an  Option  shall be  determined  by the  Administrator;  provided,
however,  that such price shall in no event be less than the Fair  Market  Value
per Share less, in the case of an Option which is not an Incentive  Stock Option
as defined in the Code,  any discount  permitted by law and by the  regulations,
rules and policies of the  securities  authorities  and stock exchange or market
having  jurisdiction  over the affairs of the Company;  except that the exercise
price shall be 110% of the Fair Market  Value per Share in the case of an Option
granted  to any  person  who,  at the time the Option is  granted,  owns  shares
possessing  more than 10% of the total  combined  voting power of all classes of
shares of the Company or a Subsidiary.

8.   EXERCISE OF OPTION

     (a) Subject to the provisions of Section 9 and unless otherwise provided by
the Administrator,  each Option granted under the Plan shall be exercisable only
with  respect to the portion  thereof that is vested in the Optionee to whom the
Option is granted.  Unless otherwise  provided by the Administrator the right to
exercise any Option shall become vested in increments over a term of four years,
calculated from the date of granting any such Option, according to the following
schedule and subject to the provisions of section 9:

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<PAGE>

     (i)       in the  case of  Options  granted  to an  Optionee  that  has not
               previously been granted an Option under the Plan:

<TABLE>
                                                               Percentage of Option Shares with
              Vesting Date (calculated from Date               Respect to which Optionee has a
              Option Granted)                                  Vested Right to Exercise
              --------------------------------------           ---------------------------------------
              <S>                                                 <C>
              First Anniversary                                           25%

              The end of each 6 months following the First                12 1/2%
              Anniversary
</TABLE>

     (ii)      in the case of Options granted to an Optionee that has previously
               been  granted  an  Option  under the Plan,  the  Option  shall be
               exercisable  as to 12 1/2%  at the  end of  each 6  month  period
               calculated from the date the Option is granted.

     (b) Any Option may be exercised in accordance  with the  provisions of this
Plan as to all or any portion of the Shares then exercisable and vested under an
Option,  from time to time during the term of the  Option.  An Option may not be
exercised for a fraction of a share. The exercise at any time or times of a part
of an  Option  will not  exhaust  or  terminate  the  Option  as to the  balance
unexercised; however, any Option not fully exercised within the times set out to
exercise shall automatically expire.

     (c) An Option shall be deemed to be exercised  when written  notice of such
exercise  has been given to the  Company  at its  principal  business  office in
accordance with the terms of the Option by the Optionee and full payment for the
Shares with respect to which the Option is exercised and an amount  necessary to
satisfy any  applicable  withholding  taxes has been  received  by the  Company,
accompanied by the executed Option Certificate, or other agreement, undertaking,
covenant  or  representation  required  by the terms of this Plan or the  Option
granted  hereunder.  Until the Option is properly  exercised  hereunder  and the
Company receives full payment for the Shares with respect to which the Option is
exercised,  no right to receive  dividends or any other rights as a  shareholder
shall exist with respect to the Shares  issuable  upon  exercise of Options.  No
adjustment will be made for a dividend or other rights for which the record date
is prior to the date the Option is  properly  exercised  and  payment in full is
received except as provided in Section 12.

     (d) All Shares  purchased  on the  exercise of Options  and any  applicable
withholding taxes shall be paid for in full by certified cheque or cash, or such
other  consideration  having  equivalent  value at the time of  purchase  as the
Administrator may determine.

     (e) As soon as  practicable  after  any  proper  exercise  of an  Option in
accordance  with the  provisions of this Plan and payment in full for the Shares
with  respect to which the Option is  exercised,  the Company  shall  deliver or
cause to be delivered to the person that exercised the Option,  at the principal
business office of the Company or at such other place as shall be

                                      -5-
<PAGE>

mutually acceptable, a certificate or certificates representing the Shares as to
which the  Option  has been  exercised  together  with the  Option  Certificate,
endorsed or caused to be endorsed by the Company  recording  the exercise of the
Option.  The time of issuance and delivery of the certificates  representing the
Shares may be postponed by the Company for such period as may be required for it
to comply with any law or regulation  applicable to the issuance and delivery of
such Shares.

     (f)  Exercise of an Option in any manner  shall result in a decrease in the
number of Shares which  thereafter  may be  available,  both for purposes of the
Plan and for sale  under  the  Option,  by the  number of Shares as to which the
Option is exercised.

9.   TERMINATION OF SERVICE, DEATH OR DISABILITY

     (a) If an Optionee ceases to be continuously  engaged by the Company or any
of the Company's  Subsidiaries  or a Controlled  Entity within the meaning under
the Code in the capacity as a director,  an officer, an employee, an independent
contractor  or a consultant  for any reason  other than death or  permanent  and
total disability,  no further instalments of his Options that have not vested as
of the date of such termination shall become exercisable.  The Optionee shall be
entitled  to  exercise  his Option  only to the extent  that he was  entitled to
exercise it immediately  prior to the date of such  termination and his right to
exercise such Option shall  terminate after the passage of thirty (30) days from
the date of termination or the date of  commencement of leave which has not been
approved by the  Company  under  Section  9(c) but in no event later than on the
Option's  specified  expiration  date.  To the extent that the  Optionee was not
entitled to exercise the Option at the date of such  termination,  or if he does
not  exercise  an Option  (which he was  entitled to  exercise)  within the time
specified  herein,  the Option shall  terminate.  If the  Optionee  ceases to be
employed,  engaged or retained by the Company,  any  Subsidiary  or a Controlled
Entity for cause or if any  Optionee  is removed  from  office as a director  or
becomes disqualified from being a director by law, any Option or the unexercised
portion  thereof  granted  to  such  Optionee  shall  terminate  at the  time of
termination, removal or disqualification.

     (b) If an Optionee ceases to serve as a director, an officer or an employee
of or an  independent  contractor  or a consultant  to the Company or any of its
Subsidiaries  or  Controlled  Entities  due to  death  or  permanent  and  total
disability,  thereby resulting in the termination of his continuous  engagement,
the  Option may be  exercised,  to the extent the  individual  was  entitled  to
exercise the Option at the date of his  termination  of such service by death or
disability,  but only within  twelve (12) months  following the date of death or
termination of such service due to disability  (subject to and in no event later
than the Option's specified  expiration date), by the individual or his personal
representative  in the  case  of  disability,  or in the  case of  death  by the
individual's estate or by a person who acquired the right to exercise the Option
by bequest or inheritance or the laws of descent and distribution.

     (c) For the  purpose of the Plan,  "continuously  engaged"  or  "continuous
engagement" in the case of a director,  an officer or an employee shall mean the
absence  of any  interruption  or  termination  of  employment  or  service as a
director, an officer or an employee of the Company or

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<PAGE>

any of  its  Subsidiaries,  and in the  case  of an  independent  contractor  or
consultant  shall mean the absence of any  interruption  or  termination  in the
retainer or  engagement  other than as a result of  termination  by effluxion of
time or as a result  of  other  termination  on  terms  agreed  to  between  the
independent contractor or consultant and the Board.  Continuous engagement shall
not be  considered  interrupted  in the  case of sick  leave  in  excess  of the
Company's  stated  policy on paid sick leave  communicated  to the  Optionee and
approved  by the  Board,  maternity  or  parental  leave in excess of  statutory
entitlement  approved by the Board or any other leave of absence approved by the
Board or in the case of transfers between locations of the Company or any of its
Subsidiaries  or Controlled  Entities or in the case of any change in the nature
of service  rendered to the  Company or any of its  Subsidiaries  or  Controlled
Entities. An Optionee while on any such leave or other leave of absence approved
by the Board shall be entitled to exercise any Options  granted to him under the
Plan in respect of and only to the extent that he was entitled to exercise  such
Options prior to any such leave and the vesting period shall be suspended during
the  period of such leave and shall be  extended  and the  vesting  date for the
exercise of any Options shall be delayed by the length of such leave.

10.  TRANSFER RESTRICTIONS

     (a)  Options  shall  not be  sold,  transferred,  assigned,  encumbered  or
otherwise  disposed  of  except  by will or the  laws of  intestate  succession,
descent and distribution and, except as otherwise  provided in Section 9, may be
exercised only by the Optionee.

     (b)  (i)       In connection with any  underwritten  public offering by the
                    Company  of its  Shares,  including  the  Company's  initial
                    public  offering,  no person shall sell, make any short sale
                    of,  loan,  hypothecate,  pledge,  grant any  option for the
                    purchase of, or  otherwise  dispose or transfer for value or
                    otherwise   agree  to  engage   in  any  of  the   foregoing
                    transactions  with  respect  to,  any Shares  acquired  upon
                    exercise  of an Option or any right to  acquire  any  Shares
                    issued under the Plan,  without the prior written consent of
                    the Company or its  underwriters.  Such limitations shall be
                    in  effect  for  such  period  of time  from and  after  the
                    effective  date of such  offering as may be requested by the
                    Company or such underwriters  provided,  however, that in no
                    event shall such  period  exceed one  hundred  eighty  (180)
                    days. The  limitations of this Section 10(b) shall remain in
                    effect for the two-year  period  immediately  following  the
                    effective date of the Company's  initial public offering and
                    shall  thereafter  terminate  and cease to have any force or
                    effect.

          (ii)      Employees of and  independent  contractors or consultants to
                    the Company or any of its  Subsidiaries  shall be subject to
                    the  market  stand-off  provisions  of  this  Section  10(b)
                    provided  and  only if the  officers  and  directors  of the
                    Company are also subject to similar arrangements.

          (iii)     In  the  event  of  any   stock   dividend,   stock   split,
                    recapitalization  or other change  affecting  the  Company's
                    outstanding  Shares  effected as a class without  receipt of
                    consideration, then any new, substituted or additional

                                      -7-
<PAGE>

                    securities  distributed  with respect to the Shares shall be
                    immediately subject to the provisions of this Section 10(b),
                    to the same  extent the  Shares are at such time  covered by
                    such provisions.

11.  ALTERATION OF CAPITAL

     (a) In the event of any increase or decrease in the number of issued Shares
resulting from a share split, share consolidation or share dividend or any other
increase or decrease in the number of issued Shares effected  without receipt of
consideration  by the Company,  then the maximum number of Shares subject to the
Plan as set forth in  Section  5(a) and the  number of  Shares  covered  by each
outstanding  Option as well as the price per Share  covered by each  outstanding
Option  shall  be   proportionately   adjusted  by  the   Administrator,   whose
determination  in that  respect  shall be final,  conclusive  and  binding.  The
conversion of any  convertible  securities of the Company shall not be deemed to
have been effected without receipt of consideration.

     (b) In the event of a proposed sale of  substantially  all of the assets of
the Company,  or the merger,  amalgamation,  arrangement or consolidation of the
Company with or into another company, the Administrator may, if it so determines
in the exercise of its sole  discretion,  either  declare that any portion of an
Option  that  has not  vested  shall  terminate  as of a date to be fixed by the
Administrator or give the Optionee the right to exercise his Option as to all or
any part of such  Shares as to which the  Option  has not  vested  and would not
otherwise be  exercisable,  or accelerate and reduce the period for the exercise
of those  portions  of Options  that have  vested or the  vesting  date of those
portions of Options  that have not vested  (provided  that the  exercise  period
shall  in no  event  be  reduced  to less  than 30 days  and  provided  that the
acceleration  of vesting or vesting  dates shall not occur if, in the opinion of
the  Company's  outside  accountants,  it would render  unavailable  "pooling of
interest"  accounting for a transaction  that would  otherwise  qualify for such
accounting  treatment) or make such  provision as it deems  appropriate  for the
continuance  of outstanding  and  unexercised  Options  subsequent to such sale,
merger, amalgamation,  arrangement or consolidation, including the assumption of
such Options or substitution of equivalent options by a successor company.

     (c) No  fractional  shares  shall be  issuable  on  account  of any  action
aforesaid,  and the aggregate number of shares into which Shares then covered by
the Option,  when  changed as a result of such  action,  available to be issued,
shall be reduced  to the  largest  number of whole  shares  resulting  from such
action.

12.  DIVIDENDS AND DISTRIBUTIONS

     If the Company  shall at any time during the period in which Options may be
exercised  under  the Plan pay any  dividend,  or make any  other  distribution,
payable in shares of the Company, the Optionee shall be entitled to receive upon
any exercise  thereafter of an Option granted under the Plan (in addition to the
number of shares  which the  Optionee  would  have been  entitled  to receive on
exercise of the Option if such dividend or  distribution  of shares had not been
paid)  such  additional  number of fully paid and  non-assessable  shares of the
appropriate

                                      -8-
<PAGE>

class as would have been payable on the Shares which would have been issuable on
the  exercise of an Option if they had been  outstanding  on the record date for
the payment of such dividend or distribution, and in the event of the payment of
any dividend or  distribution  payable in any shares of the Company as aforesaid
the Company will  reserve and set aside a  sufficient  number of shares in which
any such  dividend or  distribution  shall be payable to enable it to fulfil its
obligations hereunder.

13.  CONDITIONS UPON ISSUANCE OF SHARES

     (a) Shares shall not be issued pursuant to the exercise of an Option unless
the  exercise of the Option and the  issuance  and  delivery of Shares  pursuant
thereto  shall comply with all relevant  provisions of law,  including,  without
limitation,  the United States Securities Act of 1933, as amended,  the Exchange
Act, the  Securities  Act (British  Columbia)  and other  applicable  provincial
securities  laws,  the rules and  regulations  promulgated  thereunder,  and the
requirements  of any stock  exchange or market upon which the Shares may then be
listed or quoted,  and shall be further  subject to the  approval of counsel for
the Company with respect to such compliance. Without limiting the foregoing, the
Company's obligation to issue Shares upon the exercise of an Option shall in any
case be subject to the Company  being  satisfied  that the Shares  purchased are
being  purchased  for  investment  purposes  and not for the purpose or with the
intention to sell or distribute  such Shares,  if at the time of such exercise a
sale or distribution of such Shares would otherwise violate any applicable laws.

     (b) As a condition  to the  exercise of an Option,  the  Administrator  may
require the Optionee to execute such agreements or undertakings, and to make any
representation  or warranty to the Company as may in the judgment of counsel for
the Company be required under  applicable laws or regulation,  including but not
limited to a  representation  and warranty  that the Shares are being  purchased
only for  investment  purposes  and  without any  present  intention  to sell or
distribute  such Shares if, in the opinion of counsel  for the  Company,  such a
representation is appropriate under any applicable laws.

14.  ADDITIONAL PROVISIONS CONCERNING U.S. OPTIONEES

     (a)  Options  granted  to  an  Employee   (which  term  includes,   without
limitation,  an officer or  director  who is also an  Employee)  who is a United
States  citizen  or  resident  within the  meaning  of the Code  (such  Employee
referred to in this Section as a "U.S.  Employee")  will  generally be Incentive
Stock Options as that term is defined in the Code,  provided  however,  that the
Administrator  may, at its discretion,  at the time of the grant of the Options,
make a  determination  as to whether the Options will be deemed  Incentive Stock
Options  or  Non-Qualified  Stock  Options  within  the  meaning  of  the  Code.
Notwithstanding the foregoing, an Option that is an Incentive Stock Option shall
not be granted to an Employee of a Subsidiary  unless such  Subsidiary is also a
"subsidiary  corporation" of the Company within the meaning of Section 424(f) of
the Code or any successor provision.

     (b) The maximum  aggregate number of Shares which may be subject to Options
that are Incentive  Stock Options under the Plan is 320,000  Shares,  subject to
adjustment as provided

                                      -9-
<PAGE>

in Section 11 and subject to the provisions of Section 422 or 424 of the Code or
any successor provision.

     (c)  Options  granted  to an  Optionee  who is a United  States  citizen or
resident  within  the  meaning  of the Code who is not an  Employee  will not be
Incentive Stock Options,  and any written  agreement with such an Optionee for a
grant of Options under the Plan will state that the Options  granted  thereunder
are Non-Qualified Stock Options for U.S. income tax purposes.

     (d) In addition to the terms and  conditions  of Options  granted under the
Plan referred to in the preceding  Sections,  Options granted to a U.S. Employee
that are granted by the Administrator as Incentive Stock Options will be subject
to the following terms and conditions:

     (i)
               Options  will  be  designated  in the  written  Option  agreement
               between  the U.S.  Employee  and the Company as  Incentive  Stock
               Options;

     (ii)      if the U.S.  Employee is directly or  indirectly  the  beneficial
               owner of 10% or more of the combined  voting power of all classes
               of shares in the  capital of the Company or a  Subsidiary  at the
               time an Option is  granted  to the U.S.  Employee,  the  exercise
               price of such  Option  will be equal to at least 110% of the Fair
               Market Value of the Shares, determined in accordance with Section
               7, and the term of the  Option  shall be five years from the date
               of grant  thereof or such  shorter term as may be provided in the
               Option Certificate;

     (iii)     Options may not be transferred, assigned or pledged in any manner
               other than by will or applicable laws of descent and distribution
               and shall be exercisable  during the Optionee's  lifetime only by
               the Optionee; and

     (iv)      no Options may be granted  after the date  immediately  preceding
               the tenth  anniversary  of the  earlier of the date this Plan was
               adopted or was  approved by the  Company's  shareholders,  except
               that  if  an  amendment   and   restatement   of  this  Plan  has
               subsequently  been  approved by the  Company's  shareholders,  no
               Options may be granted after the date  immediately  preceding the
               tenth anniversary of the date of such subsequent approval.

     (e) If a U.S.  Employee  is granted  Options  under the Plan,  the  written
Option  agreement with the U.S.  Employee will contain  acknowledgements  by the
U.S. Employee that:

     (i)       notwithstanding  a  designation  of  Options  granted  to a  U.S.
               Employee  as  Incentive  Stock  Options,  to the extent  that the
               aggregate  Fair  Market  Value,  determined  as of the date  such
               Options  were  granted,  of the Shares  issuable  on  exercise of
               Options  which are  exercisable  for the  first  time by any U.S.
               Employee during any calendar year exceeds US$100,000, such excess
               Options shall not be treated as Incentive Stock Options; and

     (ii)      in order for  Options  granted  under the Plan to be  treated  as
               Incentive Stock Options:

                                      -10-
<PAGE>

               A.   Shares  purchased  on the  exercise of an Option must not be
                    sold or  otherwise  disposed of within 2 years from the date
                    the Option was  granted,  or within 1 year from the date the
                    Option was exercised; and

               B.   the  U.S.  Employee  must  maintain  his  status  as a  U.S.
                    Employee  at all times  during the period  beginning  on the
                    date the  Option is granted  and  ending 30 days  before the
                    date an Option is exercised.

     (f) The  acknowledgement  of the U.S.  Employee in (e)(ii)B  above does not
confer upon the U.S.  Employee  any right with  respect to  continuation  of his
employment  relationship with the Company, nor will it interfere in any way with
the Company's  right to terminate his employment  relationship at any time, with
or without cause.

     (g) Unless and until  Shares  issuable  upon the  exercise  of Options  are
registered under the United States  Securities Act of 1933,  Shares issued under
this Plan to an Optionee who is a resident of the United  States of America will
contain the following legend, as amended or supplemented by applicable laws:

          THE  SECURITIES  REPRESENTED  HEREBY  HAVE  NOT  BEEN  AND WILL NOT BE
          REGISTERED UNDER THE UNITED STATES  SECURITIES ACT OF 1933, AS AMENDED
          (THE  "SECURITIES  ACT"),  OR THE SECURITIES  LAWS OF ANY STATE OF THE
          UNITED STATES AND MAY NOT BE OFFERED,  SOLD, OR OTHERWISE  TRANSFERRED
          OR ASSIGNED  EXCEPT (A) TO THE COMPANY,  (B) OUTSIDE THE UNITED STATES
          IN  ACCORDANCE   WITH  REGULATION  S  UNDER  THE  SECURITIES  ACT,  IF
          AVAILABLE,  OR (C)  INSIDE  THE  UNITED  STATES  (1)  PURSUANT  TO THE
          EXEMPTION FROM REGISTRATION  UNDER THE SECURITIES ACT PROVIDED BY RULE
          144 THEREUNDER,  IF AVAILABLE, AND IN COMPLIANCE WITH APPLICABLE STATE
          SECURITIES  LAWS  OR  (2)  IN A  TRANSACTION  THAT  DOES  NOT  REQUIRE
          REGISTRATION   UNDER  THE  SECURITIES  ACT  OR  ANY  APPLICABLE  STATE
          SECURITIES  LAWS,  AND, IN CONNECTION  WITH ANY TRANSFERS  PURSUANT TO
          (C)(1) OR (C)(2)  ABOVE,  THE SELLER HAS  FURNISHED  TO THE COMPANY AN
          OPINION OF COUNSEL OF RECOGNIZED STANDING,  REASONABLY SATISFACTORY TO
          THE COMPANY, TO THAT EFFECT.

                                      -11-
<PAGE>

15.  TAX CONSEQUENCES OF PLAN

     Notwithstanding  Section 14, the Company does not assume responsibility for
the income or other tax consequences for Optionees or Eligible Persons under the
Plan and they are advised to consult with their own tax advisors.

16.  AMENDMENT AND TERMINATION OF PLAN

     (a) The  Board  may at any  time  amend,  alter,  suspend,  discontinue  or
terminate  the Plan.  To the extent  necessary and desirable to comply with Rule
16b-3  under  the  Exchange  Act or with  Section  422 of the Code (or any other
applicable law, rule or regulation,  including the  requirements of any exchange
or market  system on which the Shares are listed or quoted),  the Company  shall
obtain shareholder approval of any Plan amendment in such a manner and to such a
degree as required by the applicable law, rule or regulation.

     (b) Without the written  consent of the  Optionee,  and except as otherwise
permitted herein, any such amendment, alteration, suspension,  discontinuance or
termination  of the Plan  shall not  affect  Options  already  granted  and such
Options  shall  remain  in full  force  and  effect as if this Plan had not been
amended, altered, suspended, discontinued or terminated.

17.  RESERVATION OF SHARES

     (a) The Company,  during the term of this Plan,  shall at all times reserve
and keep available, and if necessary shall allot to a trustee for the benefit of
the Eligible  Persons and to facilitate the granting of Options  hereunder,  the
number of Shares as shall be sufficient to satisfy the requirements of the Plan.

     (b) The Company  will,  if  necessary,  use its best efforts to seek and to
obtain from appropriate  regulatory  authorities any requisite  authorization in
order to issue and sell such number of Shares as shall be  sufficient to satisfy
the  requirements  of the Plan.  The  inability  of the  Company  to obtain  the
requisite authorization from any regulatory agency having jurisdiction deemed by
the  Company's  counsel to be necessary  to the lawful  issuance and sale of any
Shares  hereunder or the inability of the Company to confirm to its satisfaction
that any issuance and sale of any Shares  hereunder will meet  applicable  legal
requirements,  shall  relieve  the  Company of any  liability  in respect to the
non-issuance  or sale of such Shares as to which such requisite  authority shall
not have been obtained.

18.  NOTICES

     Any notice to be given to the Company  pursuant to the  provisions  of this
Plan shall be addressed to the Company in care of its secretary at its principal
business office in North Vancouver, British Columbia, and any notice to be given
to an Optionee shall be delivered  personally or addressed to him at the address
given beneath his signature on his Option Certificate,  or at such other address
as such  Optionee may  hereafter  designate in writing to the Company.  Any such
notice  shall be deemed  duly given when made in writing  and  delivered  to the
Company or the  Optionee,  as the case may be, or if  mailed,  then on the third
business day

                                      -12-
<PAGE>

following  the  date of  mailing  such  notice  in a  properly  sealed  envelope
addressed as aforesaid, registered or certified mail, postage prepaid, in a post
office or post  office  branch  maintained  in Canada  or the  United  States of
America.

19.  NO ENLARGEMENT OF RIGHTS

     (a) This  Plan is  purely  voluntary  on the part of the  Company,  and the
continuance of the Plan shall not be deemed to constitute a contract between the
Company and any Eligible Person,  or to be  consideration  for or a condition of
the acting by an  individual  as a director,  an officer or an employee of or an
independent contractor or a consultant to Simba, the Company or any of its other
Subsidiaries.  Nothing  contained  in this  Plan  shall  be  deemed  to give any
director,  officer or employee  the right to be retained in such  capacity  with
Simba, the Company of any other Subsidiary or successor company, or to interfere
with the  right  of the  Company  or any such  company  or its  shareholders  to
discharge or retire any  director,  officer or employee  thereof at any time. No
Eligible  Person  shall  have any right to or  interest  in  Options  authorized
hereunder  prior to the grant of such Option to such Eligible  Person,  and upon
such  grant,  he shall have only such  rights  and  interests  as are  expressly
provided herein,  subject however, to all applicable provisions of the Company's
memorandum and articles as the same may be amended from time to time.

     (b) Nothing  herein  contained or done  pursuant  hereto shall  obligate an
Optionee to purchase  and/or pay for any Shares,  except those Shares in respect
of which the Optionee shall have exercised his Option to purchase hereunder in a
manner hereinbefore provided.

20.  FINANCIAL STATEMENTS

     The Company shall provide to each Optionee at least  annually a copy of the
financial statement for the Company for its last completed financial year in the
form and containing the information  required under the British Columbia Company
Act.

21.  MISCELLANEOUS

     (a) The  validity  and  construction  of the Plan shall be  governed by and
construed  exclusively  in  accordance  with the laws of the Province of British
Columbia.

     (b) In this Plan,  unless the context otherwise  requires,  words importing
the  singular  include  the  plural and vice  versa and words  importing  gender
include all genders.

22.  ADOPTION OF PLAN AND TERMINATION

     This Plan shall terminate on July 31, 2006.

                                      -13-
<PAGE>

                                    EXHIBIT A

                               PIVOTAL CORPORATION
                       INCENTIVE STOCK OPTION CERTIFICATE

                                             Certificate
Name of Option Holder                        No. -------------------------------

                                             Date: -----------------------------
Number of Shares

Exercise Price Per Share

Expiry Date

INCENTIVE  STOCK OPTION granted by Pivotal  Corporation  (the  "Company") to the
above-named  option  holder (the  "Optionee"),  pursuant  to Simba  Technologies
Inc.'s  Incentive  Stock  Option  Plan  (the  "Plan"),  the  terms of which  are
incorporated herein by reference and which, in the event of any conflict,  shall
control over the terms contained herein.

1.   Grant and Vesting of Option

     Subject to the vesting  schedule  below,  the Company  hereby grants to the
Optionee  an option to  purchase  on the terms  herein  provided  a total of the
number of voting  common  Shares of the Company set forth above,  at an exercise
price per Share as set forth above.

     This option may be exercised only with respect to the portion  thereof that
is vested in the Optionee.  The Optionee's  rights to exercise this option shall
become vested in increments over a term of four years,  calculated from the date
of the granting of this option according to the following schedule:

     (i)  The following Schedule shall apply if this Certificate  relates to the
          first grant of an option to the Optionee:

<TABLE>
                                                               Percentage of Option Shares with
              Vesting Date (calculated from Date               Respect to which Optionee has a
              Option Granted)                                  Vested Right to Exercise
              --------------------------------------           ---------------------------------------
              <S>                                                 <C>
              First Anniversary                                           25%

              The end of each 6 months following the First                12 1/2%
              Anniversary
</TABLE>

                                      -14-
<PAGE>

     (ii) If this  Certificate  relates to an Optionee that has previously  been
          granted an option under the Plan,  then the option  hereunder shall be
          exercisable as to 12 1/2% at the end of each 6 month period calculated
          from the date the Option is granted.

     In the case of the first grant of an option to an Optionee,  vesting rights
shall  be  calculated  only in terms of a full  year,  in the case of the  first
vesting,  and thereafter  semi-annually  (i.e., from one semi-annual date to the
next).  In the case of a subsequent  grant of an option to an Optionee,  vesting
rights shall be calculated  semi-annually.  No partial  vesting  credit shall be
given for partial periods.

     This option shall expire and shall not be exercisable after the expiry date
set forth above ("Expiry Date").

2.   Exercise of Option

     Each  election  to  exercise  this  option  shall be in writing in the form
attached hereto,  signed by the Optionee or by the person authorized to exercise
this option under paragraph 5 hereof or otherwise  permitted under the Plan, and
delivered to the secretary of the Company at its principal office accompanied by
this certificate.

     In the event an option is exercised by the executor or  administrator  of a
deceased  Optionee,  or by the  person or  persons  to whom the  option has been
transferred  by the  Optionee's  will  or the  applicable  laws of  descent  and
distribution,  the  Company  shall be  under no  obligation  to  deliver  Shares
thereunder  unless and until the Company is satisfied that the person or persons
exercising the option is or are the duly appointed  executor or administrator of
the deceased  Optionee or the person to whom the option has been  transferred by
the Optionee's will or by the applicable laws of descent and distribution.

3.   Payment for and Delivery of Shares

     Payment in full by cash or a certified  bank  cheque  shall be made for all
Shares for which this option is exercised and any applicable  withholding  taxes
at the time of such  exercise,  and no  Shares  shall be  delivered  until  such
payment is made.

4.   Conditions upon Issuance of Shares

     This option may not be exercised in whole or in part unless the exercise of
the option and the issuance and delivery of Shares  pursuant to it complies with
all relevant provisions of law, including, without limitation, the United States
Securities Act of 1933, as amended, the United States Securities Exchange Act of
1934, as amended,  the  Securities Act (British  Columbia) and other  applicable
provincial  securities laws, the rules and regulations  promulgated  thereunder,
and the  requirements  of any stock exchange or market upon which the Shares may
then be listed or  quoted,  and shall be  further  subject  to the  approval  of
counsel for the Company with respect to such  compliance.  Without  limiting the
foregoing,  the  Company's  obligation to issue Shares upon the exercise of this
option  shall in any case be subject to the  Company  being  satisfied  that the
Shares purchased are being purchased for investment purposes and not for the

                                      -15-
<PAGE>

purpose or with the intention to sell or distribute such Shares,  if at the time
of such exercise a sale or distribution  of such Shares would otherwise  violate
any applicable law.

     The Optionee shall have no rights of a shareholder of the Company until the
Shares are actually delivered to him.

5.   Option not Transferable

     Subject to the  provisions of the Plan,  this option may not be transferred
by the Optionee  otherwise than by will or the laws of descent and  distribution
and during the Optionee's lifetime this option may be exercised only by him.

6.   Termination of Service

     If the Optionee ceases to be continuously  engaged by Simba, the Company or
any of its other  Subsidiaries  in the  capacity as a director,  an officer,  an
employee,  an  independent  contractor or a consultant for any reason other than
death or permanent and total  disability,  the Optionee may exercise this option
not later than 30 days after the date of such  cessation  but only to the extent
to which he was entitled immediately prior to such cessation. To the extent that
the Optionee was not entitled to exercise this option  immediately prior to such
cessation,  or if the Optionee  does not exercise  this option within 30 days of
the date of such cessation,  this option shall terminate. If the Optionee ceases
to be  employed,  engaged or retained by Simba,  the Company or any of its other
Subsidiaries  for cause or if the  Optionee is removed from office as a director
or  becomes  disqualified  from  being a  director  by law,  this  option  shall
terminate  forthwith.  Nothing  herein  shall  be  construed  as  extending  the
exercisability of this option past its Expiry Date.

7.   Disability

     In the event of the  Optionee  ceasing to be a  director  or officer of the
Company or any of its  Subsidiaries or in the event of termination of employment
or  termination  of the  independent  contract or  consulting  agreement  of the
Optionee, because of permanent and total disability, this option shall terminate
one year after such  termination and the Optionee may exercise this option prior
to such time but only to the extent to which he was entitled  immediately  prior
to such termination because of disability.  Nothing herein shall be construed as
extending the exercisability of this option past its Expiry Date.

8.   Death

     In the event of death of the  Optionee  while a director,  an officer or an
employee of or an independent  contractor or consultant to Simba, the Company or
any of its other  Subsidiaries,  this option shall be exercisable within one (1)
year after his death,  provided the option does not expire by its terms prior to
that date, by the executor,  administrator or other legal  representative of the
estate of the  deceased  Optionee or the person or persons to whom the  deceased
Optionee's rights under the option shall pass by will or the laws of descent and
distribution  but only to the extent  the  deceased  Optionee  was  entitled  to
exercise this option immediately prior

                                      -16-
<PAGE>

to his death.  Nothing herein shall be construed as extending the exercisability
of this option past its Expiry Date.

     9. Alteration of Shares

     (a) In the event of any increase or decrease in the number of issued Shares
resulting from a share split, share consolidation or share dividend or any other
increase or decrease in the number of issued Shares effected  without receipt of
consideration  by the Company,  then the number of Shares covered by this option
as well as the purchase price per Share shall be proportionately adjusted by the
Administrator,  whose  determination in that respect shall be final,  conclusive
and binding.  The conversion of any convertible  securities of the Company shall
not be deemed to have been effected without receipt of consideration.

     (b) In the event of a proposed sale of  substantially  all of the assets of
the Company,  or the merger,  amalgamation,  arrangement or consolidation of the
Company with or into another company, the Administrator may, if it so determines
in the exercise of its sole discretion,  either declare that any portion of this
option  that  has not  vested  shall  terminate  as of a date to be fixed by the
Administrator  or give the Optionee the right to exercise  this option as to all
or any part of such  Shares as to which this option has not vested and would not
otherwise be  exercisable,  or accelerate and reduce the period for the exercise
of those  portions of this option that have vested or the vesting  date of those
portions of this option that have not vested  (provided that the exercise period
shall in no event be reduced to less than 30 days) or make such  provision as it
deems  appropriate for the continuance of this option if unexercised  subsequent
to such sale, merger, amalgamation,  arrangement or consolidation, including the
assumption of this option or substitution  of equivalent  options by a successor
company.

10.  Continuance of Employment

     This option shall not be deemed to obligate Simba, the Company or any other
Subsidiary  to retain the Optionee as a director,  an officer,  an employee,  an
independent contractor or a consultant for any period.

11.  Certificate Subject to Terms of Plan

     The terms and conditions of this certificate and the agreement  constituted
hereby are subject to the  provisions  of the Plan  adopted by the Company as of
June 26, 2000 as amended from time to time, which provisions are incorporated by
reference  into this  agreement.  In the event of an  inconsistency  between the
provisions  of the Plan and this  agreement,  the  provisions  of the Plan shall
prevail. The Plan shall be available for review by the Optionee at its principal
office.

                                      -17-
<PAGE>

     IN WITNESS WHEREOF,  Pivotal  Corporation has caused this certificate to be
duly executed. This option is granted on the date first stated above.

                                     PIVOTAL CORPORATION

                                     By:
                                         ---------------------------------------
                                         Authorized Signatory

                                      -18-
<PAGE>

                           RECORD OF PARTIAL EXERCISE

Please do not write in these  spaces.  Entries  will be made by the Company upon
the partial exercise.

--------------------------------------------------------------------------------
   Number of Shares                Date of Exercise           Official Signature
Purchased Under Option

--------------------------------------------------------------------------------

                                      -19-
<PAGE>

                           FORM OF EXERCISE OF OPTION
               (for use by all Optionees other than US Employees)
             (for use by US consultants and independent contractors)

                                                        Certificate No.--------

To: Pivotal Corporation ("Pivotal")

The  undersigned  Optionee  hereby  exercises  his/her  right  to  purchase  the
following common Shares of Pivotal in accordance with the terms of the Incentive
Stock Option  Certificate  issued by Pivotal to the Optionee,  and by exercising
this Option the undersigned  acknowledges and agrees to be bound by the terms of
the Simba Technologies Inc. Incentive Stock Option Plan.

Name of Optionee: --------

Number of Shares for which
this option is exercised: --------

Exercise price per Share: --------

Total Exercise Price: --------

The Option hereby  exercised does not constitute an Incentive Stock Option under
the United States Internal Revenue Code.

The Optionee  expressly  acknowledges that any Shares to be issued and delivered
to the  Optionee by Pivotal  hereunder  are subject to certain  limitations  and
restrictions  on  transfer  and first  refusal  rights of  purchase in favour of
Pivotal and certain of its shareholders.

The  Optionee  represents  that he/she is  purchasing  the Shares for which this
Option is  exercised  for his/her own account and not with a view to or for sale
in connection with any distribution of the Shares.

The Optionee  delivers  herewith cash or a certified cheque in the amount of the
Total  Exercise  Price in  payment  for the  Shares  for  which  this  option is
exercised.

Dated this -------- day of ----------------,--------.

--------------------------------------------------------------------------------
Signature of Optionee

                                      -20-
<PAGE>

                           FORM OF EXERCISE OF OPTION
        (US Employees only - not consultants or independent contractors)

                                                        Certificate No.--------

To:  Pivotal Corporation ("Pivotal")

The  undersigned  Optionee  hereby  exercises  his/her  right  to  purchase  the
following common Shares of Pivotal in accordance with the terms of the Incentive
Stock Option  Certificate  issued by Pivotal to the Optionee,  and by exercising
this Option the undersigned  acknowledges and agrees to be bound by the terms of
the Simba Technologies Inc. Incentive Stock Option Plan.

Name of Optionee: --------

Number of Shares for which
this option is exercised: --------

Exercise price per Share: --------

Total Exercise Price: --------

The Option hereby  exercised  DOES/DOES  NOT (delete as applicable  and initial)
constitute an Incentive Stock Option under the US Internal Revenue Code.

The Optionee  expressly  acknowledges that any Shares to be issued and delivered
to the  Optionee by Pivotal  hereunder  are subject to certain  limitations  and
restrictions  on  transfer  and first  refusal  rights of  purchase in favour of
Pivotal and certain of its shareholders.

The  Optionee  represents  that he/she is  purchasing  the Shares for which this
Option is  exercised  for his/her own account and not with a view to or for sale
in connection with any distribution of the Shares.

The Optionee  delivers  herewith cash or a certified cheque in the amount of the
Total  Exercise  Price in  payment  for the  Shares  for  which  this  option is
exercised.

Dated this -------- day of ----------------,--------.

--------------------------------------------------------------------------------
Signature of Optionee

                                       21<PAGE>

                                                                  Exhibit 10.58

================================================================================

                     AMENDED AND RESTATED CREDIT AGREEMENT

                                     among

                          WORKFLOW MANAGEMENT, INC.,

                         DATA BUSINESS FORMS LIMITED,

                         VARIOUS LENDING INSTITUTIONS,

                     BANK ONE, N.A., as SYNDICATION AGENT

                                      and

                 FLEET NATIONAL BANK, as ADMINISTRATIVE AGENT

                                     with

            FLEETBOSTON ROBERTSON STEPHENS INC. acting as ARRANGER

                          Dated as of March 10, 2000

                                 $250,000,000

================================================================================
<PAGE>

                               TABLE OF CONTENTS
                               -----------------

<TABLE>
<CAPTION>
                                                                           Page
                                                                           ----
<S>                                                                        <C>
SECTION 1.   Amount and Terms of Credit..................................    1

             1.01  Revolving Commitments.................................    1
             1.02  Minimum Borrowing Amounts, etc........................    4
             1.03  Notice of Borrowing...................................    4
             1.04  Competitive Bid Borrowings............................    5
             1.05  Disbursement of Funds.................................    7
             1.06  Notes; etc............................................    9
             1.07  Conversions...........................................   11
             1.08  Pro Rata Borrowings...................................   11
             1.09  Interest..............................................   11
             1.10  Interest Periods......................................   13
             1.11  Increased Costs, Illegality, etc......................   14
             1.12  Compensation..........................................   16
             1.13  Lending Offices; Changes Thereto......................   16
             1.14  Replacement of Lenders................................   17
             1.15  Bankers' Acceptance Provisions........................   18
             1.16  Certain Override Provisions Regarding Utilizations of
                   the Total Canadian Sub-Commitment.....................   18
             1.17  Term Out of Canadian Revolving Loans..................   20

SECTION 2.   Letters of Credit...........................................   21

             2.01  Letters of Credit.....................................   21
             2.02  Letter of Credit Requests; Notices of Issuance........   22
             2.03  Agreement to Repay Letter of Credit Drawings..........   23
             2.04  Letter of Credit Participations.......................   24
             2.05  Increased Costs.......................................   25

SECTION 3.   Fees; Adjustments of Commitments............................   26

             3.01  Fees..................................................   26
             3.02  Voluntary Reduction of Revolving Commitments..........   27
             3.03  Mandatory Adjustments of Revolving Commitments and
                   Prepayment of Term Loans..............................   27

SECTION 4.   Payments....................................................   30

             4.01  Voluntary Prepayments.................................   30
             4.02  Prepayments of Loans to Reflect Revolving Committements,
                   Canadian Sub-Commitments and Sublimits; Scheduled
                   Payments of Term Loans; Etc...........................   31
             4.03  Method and Place of Payment...........................   34
             4.04  Net Payments..........................................   34

SECTION 5.   Conditions Precedent........................................   36

             5.01  Execution of Agreement................................   36
             5.02  Notes.................................................   36
</TABLE>

                                       i
<PAGE>

                               TABLE OF CONTENTS
                               -----------------

<TABLE>
<CAPTION>
                                                                            Page
                                                                            ----
<S>                                                                         <C>
             5.03  No Default; Representations and Warranties............... 36
             5.04  Officer's Certificate.................................... 36
             5.05  Opinions of Counsel and Other Experts.................... 36
             5.06  Corporate Proceedings.................................... 37
             5.07  Leverage Ratio........................................... 38
             5.08  Adverse Change; Approvals................................ 38
             5.09  Litigation............................................... 38
             5.10  Guaranties............................................... 38
             5.11  Pledge Agreements; Security Agreements................... 39
             5.12  Mortgages; Title Insurance; Surveys...................... 40
             5.13  Financial Statements; Pro Forma Balance Sheet;
                   Projections.............................................. 40
             5.14  Solvency Certificate; Environmental Analyses; Insurance
                   Certificates............................................. 41
             5.15  Plans; Shareholders' Agreements; Management Agreements;
                   Collective Bargaining Agreements; Tax Sharing Agreements;
                   Existing Indebtedness Agreements......................... 41
             5.16  Payment of Fees.......................................... 42
             5.17  Notice of Borrowing; Letter of Credit Request............ 42
             5.18  Additional Conditions to Canadian Effective Date......... 42

SECTION 6.   Representations, Warranties and Agreements..................... 42

             6.01  Status................................................... 43
             6.02  Power and Authority...................................... 43
             6.03  No Violation............................................. 43
             6.04  Litigation............................................... 43
             6.05  Use of Proceeds; Margin Regulations...................... 44
             6.06  Approvals................................................ 44
             6.07  Investment Company Act................................... 44
             6.08  Public Utility Holding Company........................... 44
             6.09  True and Complete Disclosure............................. 44
             6.10  Financial Condition; Financial Statements................ 45
             6.11  Security Interests....................................... 46
             6.12  Tax Returns and Payments................................. 46
             6.13  Compliance with ERISA.................................... 47
             6.14  Ownership; Subsidiaries.................................. 48
             6.15  Capitalization........................................... 48
             6.16  Intellectual Property.................................... 48
             6.17  Compliance with Statutes, etc............................ 48
             6.18  Environmental Matters.................................... 48
             6.19  Real Properties.......................................... 49
             6.20  Labor Relations.......................................... 49
             6.21  Indebtedness............................................. 49
             6.22  Existing Subordinated Indebetness........................ 49
             6.23  Insurance................................................ 50

SECTION 7.   Affirmative Covenants.......................................... 50

             7.01  Information Covenants.................................... 50
             7.02  Books, Records and Inspections; Annual Meetings.......... 52
</TABLE>

                                      ii
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                               TABLE OF CONTENTS
                               -----------------

<TABLE>
<CAPTION>
                                                                            Page
                                                                            ----
<S>                                                                         <C>
             7.03  Maintenance of Property; Insurance.......................  3
             7.04  Payment of Taxes.........................................  3
             7.05  Corporate Franchises.....................................  3
             7.06  Compliance with Statutes, etc............................  3
             7.07  Good Repair..............................................  3
             7.08  Compliance with Environmental Laws.......................  4
             7.09  ERISA....................................................  4
             7.10  Performance of Obligations...............................  5
             7.11  End of Fiscal Years; Fiscal Quarters.....................  5
             7.12  Additional Security; Further Assurances..................  6
             7.13  Foreign Subsidiaries Security............................  6
             7.14  Landlord Waivers, Estoppel Certificates etc..............  7
             7.15  Cash/Cancel Transaction; Cash/Cancel Escrow Account......  7
             7.16  Guaranty and Security from Canadian Credit Parties.......  8
             7.17  Margin Stock.............................................  8

SECTION 8.   Negative Covenants.............................................  8

             8.01  Changes in Business......................................  8
             8.02  Consolidation; Merger, Sale or Purchase of Assets, etc...  8
             8.03  Liens....................................................  1
             8.04  Indebtedness.............................................  2
             8.05  Capital Expenditures.....................................  4
             8.06  Advances, Investments and Loans..........................  5
             8.07  Dividends, etc...........................................  5
             8.08  Transactions with Affiliates.............................  6
             8.09  Leverage Ratio...........................................  6
             8.10  Consolidated Interest Coverage Ratio.....................  6
             8.11  Limitation on Modification of Certificate of Corporation;
                   By-Laws..................................................  7
             8.12  Limitation on the Creation of Subsidiaries...............  7
             8.13  Limitation on Payments and Modifications of Subordinated
                   Indebtedness.............................................  7

SECTION 9.   Events of Default..............................................  8

             9.01  Payments.................................................  8
             9.02  Representations, etc.....................................  8
             9.03  Covenants................................................  8
             9.04  Default Under Other Agreements...........................  8
             9.05  Bankruptcy, etc..........................................  9
             9.06  ERISA....................................................  9
             9.07  Security Documents.......................................  0
             9.08  Guaranties...............................................  0
             9.09  Judgments................................................  0
             9.10  Change of Control........................................  0
             9.11  Existing Subordinated Indebtedness.......................  0

SECTION 10.  Definitions....................................................  1
</TABLE>

                                      iii
<PAGE>

                               TABLE OF CONTENTS
                               -----------------

<TABLE>
<CAPTION>
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<S>                                                                        <C>
Section 11.  The Agent...................................................   98

             11.01  Appointment............................................. 9
             11.02  Delegation of Duties.................................... 9
             11.03  Exculpatory Provisions.................................. 9
             11.04  Reliance by Agent....................................... 0
             11.05  Notice of Default....................................... 0
             11.06  Non-Reliance on Agent and other Lenders................. 0
             11.07  Indemnification......................................... 1
             11.08  Agent in its Individual Capacity........................ 1
             11.09  Holders................................................. 2
             11.10  Resignation of the Agent; Successor Agent............... 2
             11.11  Syndication Agent and Co-Agents......................... 2

SECTION 12.  Miscellaneous...............................................  103

             12.01  Payment of Expenses, etc.............................  103
             12.02  Right of Setoff......................................  104
             12.03  Notices..............................................  104
             12.04  Benefit of Agreement.................................  104
             12.05  No Waiver; Remedies Cumulative.......................  106
             12.06  Payments Pro Rata....................................  106
             12.07  Calculations; Computations...........................  107
             12.08  GOVERNING LAW; SUBMISSION TO JURISDICTION VENUE......  108
             12.09  Counterparts.........................................  109
             12.10  Effectiveness; Canadian Effective Date...............  109
             12.11  Headings Descriptive.................................  109
             12.12  Amendment or Waiver..................................  109
             12.13  Survival.............................................  111
             12.14  Domicile of Loans....................................  111
             12.15  Confidentiality......................................  111
             12.16  Waiver of Jury Trial.................................  111
             12.17  Register.............................................  112
             12.18  Judgment Currency....................................  112
             12.19  Authorization for Quebec Security....................  113
             12.20  Acknowledgement Regarding Canadian General Guaranty..  113

SECTION 13.  Transitional Arrangements...................................  113

             13.01  Existing Credit Agreement Superseded.................  113
             13.02  Return and Cancellation of Notes.....................  113
             13.03  Interest and Fees Under Superseded Agreement.........  114
</TABLE>

ANNEX I-A      Revolving Commitments
ANNEX I-B      Canadian Sub-Commitments
ANNEX I-C      Dollar Term Loan Commitments
ANNEX II       Bank Addresses; Applicable Lending Offices
ANNEX III      Certain Provisions Relating to Bankers' Acceptances
ANNEX IV       Subsidiaries

                                      iv
<PAGE>

                               TABLE OF CONTENTS
                               -----------------

                                                                           Page
                                                                           ----

ANNEX V        Real Property
ANNEX VI       Existing Debt
ANNEX VII      Insurance
ANNEX VIII     Existing Liens
ANNEX IX       Existing Investments
ANNEX X        ERISA Matters

EXHIBIT A-1 -  Form of Notice of Borrowing
EXHIBIT A-2 -  Form of Letter of Credit Request
EXHIBIT B   -  Form of Notice of Competitive Bid Borrowing
EXHIBIT C-1 -  Form of Dollar Revolving Note
EXHIBIT C-2 -  Form of Canadian Revolving Note
EXHIBIT C-3 -  Form of Swingline Note
EXHIBIT C-4 -  Form of Dollar Term Note
EXHIBIT C-5 -  Form of Canadian Term Note
EXHIBIT D   -  Form of Section 4.04(b)(ii) Certificate
EXHIBIT E-1 -  Form of Opinion of Kaufman & Canoles
EXHIBIT E-2 -  Form of Opinion of Goodman, Phillips & Vineberg
EXHIBIT F   -  Form of Officers' Certificate
EXHIBIT G-1 -  Form of Amended and Restated U.S. Subsidiaries Guaranty
EXHIBIT G-2 -  Form of Amended and Restated Canadian General Guaranty
EXHIBIT G-3 -  Form of Amended and Restated Canadian Parent/Subsidiaries
               Guaranty
EXHIBIT H-1 -  Form of Amended and Restated U.S. Pledge Agreement
EXHIBIT H-2 -  Form of Amended and Restated Canadian Pledge Agreement
EXHIBIT I-1 -  Form of Amended and Restated U.S. Security Agreement
EXHIBIT I-2 -  Form of Amended and Restated Canadian Security Agreement
EXHIBIT I-3 -  Form of Amended and Restated Canadian Security Agreement
               (Hypothec)
EXHIBIT I-4 -  Form of Amended and Restated Canadian Debenture and Debenture
               Pledge Agreement
EXHIBIT J   -  Form of Solvency Certificate
EXHIBIT K   -  Form of Assignment and Assumption Agreement
EXHIBIT L   -  Form of Intercompany Note

                                       v
<PAGE>

     AMENDED AND RESTATED CREDIT AGREEMENT, dated as of March 10, 2000 among
WORKFLOW MANAGEMENT, INC., a Delaware corporation ("Workflow"), DATA BUSINESS
FORMS LIMITED, a corporation organized and existing under the laws of Ontario
("DBF" and, together with Workflow, the "Borrowers" and each, a "Borrower"), the
Lenders from time to time party hereto, BANK ONE, N.A., as Syndication Agent (in
such capacity, the "Syndication Agent"), BANK OF AMERICA, COMERICA BANK, and
UNION BANK OF CALIFORNIA, N.A. as Co-Agents, FLEET NATIONAL BANK, as
Administrative Agent (in such capacity, the "Agent") and, upon the appointment
thereof, the Canadian Co-Agent.  This Agreement amends  and restates in its
entirety the Existing Credit Agreement.  Unless otherwise defined herein, all
capitalized terms used herein and defined in Section 10 are used herein as so
defined.

                             W I T N E S S E T H :
                             -------------------

     WHEREAS, subject to and upon the terms and conditions herein set forth, the
Lenders are willing to make available to the Borrowers the respective credit
facilities provided for herein;

     NOW, THEREFORE, IT IS AGREED:

     SECTION 1.  Amount and Terms of Credit.
                 --------------------------

     1.01 Revolving Commitments.
          ---------------------

          (a)  Subject to and upon the terms and conditions set forth herein,
(x) each Revolver Lender (other than a Canadian Lender in its capacity as such)
severally agrees to make a revolving loan or revolving loans to Workflow, which
revolving loans shall be made and maintained in Dollars (each a "Dollar
Revolving Loan" and, collectively, the "Dollar Revolving Loans") and (y) each
Canadian Lender severally agrees to make a revolving loan or revolving loans to
DBF, which revolving loans shall be made and maintained in Canadian Dollars
(each a "Canadian Revolving Loan" and, collectively, the "Canadian Revolving
Loans", and with the revolving loans made to the Borrowers pursuant to this
Section 1.01(a) being herein called a "Revolving Loan" and, collectively, the
"Revolving Loans"), which Revolving Loans:

               (i)    shall be made (X) at any time and from time to time on and
     after the Effective Date and prior to the Final Maturity Date in the case
     of the Dollar Revolver Loans and (Y) at any time and from time to time on
     and after the Canadian Effective Date and prior to the Canadian Term Out
     Date in the case of the Canadian Revolver Loans;

               (ii)   shall, in the case of Dollar Revolving Loans, and at the
     option of Workflow, be incurred and maintained as, and/or converted into,
     Base Rate Loans or Eurodollar Loans, provided that (A) except as otherwise
                                          --------
     specifically provided herein, all Dollar Revolving Loans comprising the
     same Borrowing shall be of the same Type and (B) prior to the Syndication
     Date, Dollar Revolving Loans may only be incurred as Eurodollar Loans on
     the first day of a PSD Interest Period;

               (iii)  shall, in the case of Canadian Revolving Loans, and at the
     option of DBF, be made either by means of (x) Canadian Prime Rate Loans in
     Canadian Dollars or (y) Bankers' Acceptances Loans in Canadian Dollars on
     the terms and conditions provided for herein and in Annex III (the terms
     and conditions of which shall be deemed incorporated by reference into this
     Agreement);
<PAGE>

               (iv)    may be repaid and reborrowed in accordance with the
     provisions hereof;

               (v)     shall not be made (or be required to be made) by any
     Revolver Lender on any date if, after giving effect thereto, the Revolving
     Credit Exposure of such Revolver Lender would exceed the Revolving
     Commitment of such Lender at such time;

               (vi)    shall not, in the case of Canadian Revolving Loans,
     exceed for any Canadian Lender at the time of the making of any such
     Canadian Revolving Loans, and after giving effect thereto, that aggregate
     principal amount or Face Amount, as the case may be, of such Canadian
     Revolving Loans (for this purpose, using the Dollar Equivalent of the
     principal amount or Face Amount, as the case may be, thereof) which, when
     added to the Dollar Equivalent of the aggregate principal amount or Face
     Amount, as the case may be, of all other Canadian Revolving Loans then
     outstanding from such Canadian Lender, equals the lesser of (i) the
     Canadian Sub-Commitment of such Canadian Lender at such time and (ii) the
     Canadian Percentage of such Canadian Lender times the Canadian EBITDA
                                                 -----
     Sublimit at such time;

               (vii)   shall not, in the case of Canadian Revolving Loans,
     exceed for all Canadian Lenders at the time of the making of any such
     Canadian Revolving Loans, and after giving effect thereto, that aggregate
     principal amount or Face Amount, as the case may be, of such Canadian
     Revolving Loans (for this purpose, using the Dollar Equivalent of the
     principal amount or Face Amount, as the case may be, thereof) which, when
     added to the Dollar Equivalent of the aggregate principal amount or Face
     Amount, as the case may be, of all other Canadian Revolving Loans then
     outstanding, equals the lesser of (i) Total Canadian Sub-Commitment at such
     time and (ii) the Canadian EBITDA Sublimit at such time;

               (viii)  shall not, in the case of Dollar Revolving Loans, exceed
     for all Revolver Lenders at the time of the making of any such Dollar
     Revolving Loans, and after giving effect thereto, that aggregate principal
     amount of such Dollar Revolving Loans which, when added to the sum of (I)
     the aggregate principal amount of all other Dollar Revolving Loans then
     outstanding, (II) the aggregate principal amount of all Swingline Loans
     then outstanding and (III) the aggregate amount of all Letter of Credit
     Outstandings at such time, equals the Total Dollar Revolving Sub-Commitment
     at such time; and

               (ix)    shall not, in the case of all Revolving Loans, be made at
     any time if, after giving effect thereto, the Aggregate Revolving Credit
     Exposure would exceed the Total Revolving Commitment at such time.

          (b)  Subject to and upon the terms and conditions set forth herein,
each Dollar Term Lender severally agrees to make term loans to Workflow in the
amount of its Dollar Term Loan Commitment, which term loans shall be made and
maintained in Dollars (the "Dollar Term Loans"), which Dollar Term Loans;

               (i)     shall be made on the Effective Date; and

               (ii)    shall, at the option of Workflow, be incurred and
     maintained as, and/or converted into, Base Rate Loans or Eurodollar Loans,
     provided that (A) except as
     --------

                                       2
<PAGE>

     otherwise specifically provided herein, all Dollar Term Loans comprising
     the same Borrowing shall be of the same Type and (B) prior to the
     Syndication Date, Dollar Term Loans may only be incurred as or converted
     into Eurodollar Loans on the first day of a PSD Interest Period.

          (c)  (A)     Subject to and upon the terms and conditions set forth
herein, Fleet in its individual capacity agrees to make, at any time and from
time to time on and after the Effective Date and prior to the Swingline Expiry
Date, a revolving loan or revolving loans to Workflow (each a "Swingline Loan"
and, collectively, the "Swingline Loans"), which Swingline Loans:

               (i)     shall be made and maintained in Dollars and as Base Rate
     Loans;

               (ii)    may be repaid and reborrowed in accordance with the
     provisions hereof;

               (iii)   shall not be made (or required to be made) on any date
     if, after giving effect thereto, the Aggregate Revolving Credit Exposure
     would exceed the Total Revolving Commitment at such time; and

               (iv)    shall not exceed in aggregate principal amount at any
     time outstanding the Maximum Swingline Amount.

               (B)     Fleet shall not be obligated to make any Swingline Loans
at a time when a Lender Default exists unless Fleet has entered into
arrangements satisfactory to it and Workflow to eliminate Fleet's risk with
respect to the Defaulting Lender's or Lenders' participation in such Swingline
Loans, including by cash collateralizing each such Defaulting Lender's Dollar
Percentage of the outstanding Swingline Loans. Fleet will not make a Swingline
Loan after it has received written notice from Workflow, any other Credit Party
or the Required Lenders stating that a Default or an Event of Default exists
until such time as (x) Fleet shall have received a written notice of (i)
rescission of such notice from the party or parties originally delivering the
same or (ii) the waiver of such Default or Event of Default from the Required
Lenders or (y) the cure of such Default or Event of Default.

               (C)     On any Business Day, Fleet may, in its sole discretion,
give notice to the Revolver Lenders that its outstanding Swingline Loans shall
be funded with a Borrowing of Dollar Revolving Loans (provided that each such
notice shall be deemed to have been automatically given upon the occurrence of a
Default or an Event of Default under Section 9.05 or upon the exercise of any of
the remedies provided in the last paragraph of Section 9), in which case a
Borrowing or Borrowings of Dollar Revolving Loans, as the case may be,
constituting Base Rate Loans (each such Borrowing or Borrowings, collectively, a
"Mandatory Borrowing") shall be made on the immediately succeeding Business Day
by all Revolver Lenders pro rata based on each Revolver Lender's Dollar
Percentage, and the proceeds thereof shall be applied directly to repay Fleet
for such outstanding Swingline Loans. Each Revolver Lender hereby irrevocably
agrees to make Dollar Revolving Loans upon one Business Day's notice pursuant to
each Mandatory Borrowing in the amount and in the manner specified in the
preceding sentence and on the date specified in writing by Fleet notwithstanding
(i) that the amount of the Mandatory Borrowing may not comply with the Minimum
Borrowing Amount otherwise required hereunder, (ii) whether any conditions
specified in Section 5 are then satisfied, (iii) whether a Default or an Event
of Default has occurred and is continuing, (iv) the date of such Mandatory
Borrowing and (v) the amount of, or termination of, the

                                       3
<PAGE>

Total Revolving Commitment at such time. In the event that any Mandatory
Borrowing cannot for any reason be made on the date otherwise required above
(including, without limitation, as a result of the commencement of a proceeding
under the Bankruptcy Code in respect of Workflow), each Revolver Lender (other
than Fleet) hereby agrees that it shall forthwith purchase (as of the date the
Mandatory Borrowing would otherwise have occurred, but adjusted for any payments
received from Workflow on or after such date and prior to such purchase) from
Fleet such participations in the outstanding Swingline Loans as shall be
necessary to cause such Revolver Lenders to share in such Swingline Loans
ratably based upon their respective Dollar Percentages, provided that (x) all
                                                        --------
interest payable on the Swingline Loans shall be for the account of Fleet until
the date as of which the respective participation is required to be purchased
and, to the extent attributable to the purchased participation, shall be payable
to the participant from and after such date and (y) at the time any purchase of
participations pursuant to this sentence is actually made, the purchasing
Revolver Lender shall be required to pay Fleet interest on the principal amount
of the participation purchased for each day from and including the day upon
which the respective participation would otherwise have occurred to but
excluding the date of payment for such participation, at the Federal Funds
Effective Rate for the first day and at the rate otherwise applicable to Dollar
Revolving Loans maintained as Base Rate Loans hereunder for each day thereafter.

          (d)  Subject to and upon the terms and conditions set forth herein,
each Lender severally agrees that Workflow may, in accordance with the
procedures established pursuant to Section 1.04, incur a loan or loans (each a
"Competitive Bid Loan" and, collectively, the "Competitive Bid Loans"),
denominated in Dollars, pursuant to a Competitive Bid Borrowing at any time and
from time to time after the Effective Date and prior to the date which is 30
days prior to the Final Maturity Date, provided that no Competitive Bid Loan may
                                       --------
be made if, after giving effect thereto, (i) the Aggregate Revolving Credit
Exposure would exceed the Total Revolving Commitment as then in effect or (ii)
the aggregate principal amount of Competitive Bid Loans would exceed the Total
Competitive Bid Loan Limit, provided further that no Competitive Bid Loan may be
                            -------- -------
made if, after giving effect thereto, the Leverage Ratio would be greater than
or equal to 3.25:1.00.  Within the foregoing limits and subject to the terms and
conditions set forth in Sections 1.04 and 5, Competitive Bid Loans may be repaid
and reborrowed in accordance with the provisions hereof.

     1.02 Minimum Borrowing Amounts, etc.  The aggregate principal amount of
          ------------------------------
each Borrowing of Loans (other than Revolving Loans made pursuant to a Mandatory
Borrowing) shall not be less than the Minimum Borrowing Amount applicable
thereto.  More than one Borrowing may be incurred on any day, provided that at
no time shall there be outstanding more than ten Borrowings of Eurodollar Loans
(or such greater number of Borrowings of Eurodollar Loans as is acceptable to
the Agent).

     1.03 Notice of Borrowing.
          -------------------

          (a)  Whenever a Borrower desires to incur Revolving Loans hereunder
(excluding (x) Revolving Loans incurred pursuant to a Mandatory Borrowing and
(y) Borrowings of Canadian Prime Rate Loans to the extent resulting from
automatic conversions of Bankers' Acceptance Loans as provided in clause (i) of
Annex III), such Borrower shall give the Agent at the Notice Office (and, in the
case of Canadian Revolving Loans, such Borrower shall also give the Canadian Co-
Agent at the Canadian Notice Office), (w) prior to 11:00 A.M. (New York time),
at least three Business Days' prior written notice (or telephonic notice
promptly confirmed in writing) of each Borrowing of Eurodollar Loans, (x) prior
to 11:00 A.M. (New York time), written notice (or telephonic notice promptly
confirmed in writing) on the date of each Borrowing of Base Rate Loans, (y)
prior to 11:00

                                       4
<PAGE>

A.M. (New York time), at least three Business Days' prior written notice (or
telephonic notice promptly confirmed in writing) of each Borrowing of Banker's
Acceptance Loans, and (z) prior to 11:00 A.M. (New York time) written notice (or
telephonic notice promptly confirmed in writing) on the date of each Borrowing
of Canadian Prime Rate Loans. Each such notice (each, a "Notice of Borrowing")
shall, except as provided in Section 1.11(a) or (b), be irrevocable, and, in the
case of each written notice and each written confirmation of telephonic notice,
shall be in the form of Exhibit A-1, appropriately completed to specify: (i) the
aggregate principal amount (or Face Amount, as the case may be) of the Revolving
Loans to be incurred pursuant to such Borrowing (stated in the Applicable
Currency); (ii) the date of such Borrowing (which shall be a Business Day);
(iii) in the case of Dollar Revolving Loans, whether the respective Borrowing
shall consist of Base Rate Loans or, to the extent permitted hereunder,
Eurodollar Loans and, if Eurodollar Loans, the Interest Period to be initially
applicable thereto; and (iv) in the case of Canadian Revolving Loans, whether
the Canadian Revolving Loans being made pursuant to such Borrowing are to be
initially maintained as Canadian Prime Rate Loans or Bankers' Acceptance Loans
and, if Bankers' Acceptance Loans, the term thereof (which shall comply with the
requirements of clause (a) of Annex III).

          (b)  (i)  Whenever Workflow desires to incur Swingline Loans
hereunder, Workflow shall give Fleet no later than 12:00 Noon (New York time) on
the day such Swingline Loan is to be incurred, written notice (or telephonic
notice promptly confirmed in writing) of such Swingline Loan.  Each such notice
shall be irrevocable and shall specify in each case (x) the date of such
incurrence (which shall be a Business Day) and (y) the aggregate principal
amount of the Swingline Loan requested to be made.

               (ii) Mandatory Borrowings shall be made upon the notice specified
in Section 1.01(c)(C), with Workflow irrevocably agreeing, by its incurrence of
any Swingline Loan, to the making of Mandatory Borrowings as set forth in such
Section 1.01(c)(C).

          (c)  The Agent (or, in the case of the Canadian Revolving Loans, the
Canadian Co-Agent) shall promptly give each Lender written notice (or telephonic
notice promptly confirmed in writing) of each proposed Borrowing of Revolving
Loans, of such Lender's proportionate share thereof, and of the other matters
covered by the respective Notice of Borrowing.

          (d)  Without in any way limiting the obligation of any Borrower to
confirm in writing any telephonic notice permitted to be given hereunder, the
Agent, the Canadian Co-Agent (in the case of a Borrowing of Canadian Revolving
Loans) or Fleet (in the case of a Borrowing of Swingline Loans), as the case may
be, may prior to receipt of written confirmation act without liability upon the
basis of such telephonic notice, believed by the Agent, the Canadian Co-Agent or
Fleet in good faith to be from the president, any vice-president or any
Authorized Financial Officer of such Borrower, or from any other authorized
officer of such Borrower designated in writing by such Borrower to the Agent,
the Canadian Co-Agent or Fleet, as applicable, as being authorized to give such
notices.  In each such case, each Borrower hereby waives the right to dispute
the Agent's, the Canadian Co-Agent's or Fleet's record of the terms of such
telephonic notice.

     1.04 Competitive Bid Borrowings.
          --------------------------

          (a)  Whenever Workflow desires to incur a Competitive Bid Borrowing,
Workflow shall deliver to the Agent at the Notice Office prior to 11:00 A.M.
(New York time), at least three Business Days prior to the date of such proposed
Competitive Bid Borrowing, a written notice substantially in the form of Exhibit
B (each a "Notice of Competitive Bid Borrowing"), such

                                       5
<PAGE>

notice to specify in each case (i) the date of the proposed Competitive Bid
Borrowing (which shall be a Business Day), (ii) the aggregate principal amount
of the proposed Competitive Bid Borrowing (which shall not be less than the
Minimum Borrowing Amount applicable thereto), (iii) the maturity date (each a
"Competitive Bid Loan Maturity Date") for repayment of each Competitive Bid Loan
to be made as part of such Competitive Bid Borrowing (which maturity date may
not be earlier than seven days after the date of such Competitive Bid Borrowing
or later than 360 days after the date of such Competitive Bid Borrowing (but in
no event later than the thirtieth day preceding the Final Maturity Date)), (iv)
the interest payment date or dates relating thereto (which shall be at least
every three months in the case of maturities in excess of three months), and (v)
any other terms to be applicable to such Competitive Bid Borrowing (although all
Competitive Bid Borrowings shall be required to be made, and maintained, in
Dollars). The Agent shall promptly notify each Bidder Lender of each such
request for a Competitive Bid Borrowing received by it from Workflow by
telecopying to each such Bidder Lender a copy of the related Notice of
Competitive Bid Borrowing.

          (b)  Each Bidder Lender shall, if in its sole discretion it elects to
do so, irrevocably offer to make one or more Competitive Bid Loans to Workflow
as part of such proposed Competitive Bid Borrowing at a rate or rates of
interest specified by such Bidder Lender in its sole discretion and determined
by such Bidder Lender independently of each other Bidder Lender, by notifying
the Agent in writing (which notice shall be promptly distributed to Workflow,
provided that the Agent shall not be liable to any Bidder Lender or to Workflow
--------
for failure to distribute any such notice to Workflow unless such failure
resulted from the gross negligence or willful misconduct on the part of the
Agent (as finally determined by a court of competent jurisdiction)), before
10:00 A.M. (New York time) on the date (the "Reply Date") which is two Business
Days before the date of such proposed Competitive Bid Borrowing, of the minimum
amount, if any, and maximum amount of each Competitive Bid Loan which such
Bidder Lender would be willing to make as part of such proposed Competitive Bid
Borrowing (which amounts may, subject to the proviso to the first sentence of
Section 1.01(d), exceed such Lender's Revolving Commitment) and the rate or
rates of interest therefor; provided, that if the Agent in its capacity as a
                            --------
Bidder Lender shall, in its sole discretion, elect to make any such offer, it
shall notify Workflow in writing of such offer before 9:30 A.M. (New York time)
on the Reply Date.  If any Bidder Lender shall elect not to make such an offer,
such Bidder Lender shall so notify the Agent, before 10:00 A.M. (New York time)
on the Reply Date, and such Bidder Lender shall not be obligated to, and shall
not, make any Competitive Bid Loan as part of such Competitive Bid Borrowing;
provided, that the failure by any Bidder Lender to give such notice shall not
--------
cause such Bidder Lender to be obligated to, and such Bidder Lender shall not,
make any Competitive Bid Loan as part of such proposed Competitive Bid
Borrowing.

          (c)  Workflow shall, in turn, before 12:00 Noon (New York time) on the
Reply Date, either

               (1)  cancel such Competitive Bid Borrowing by giving the Agent
     notice (in writing or by telephone promptly confirmed in writing) to that
     effect, or

               (2)  accept one or more of the offers made by any Bidder Lender
     or Bidder Lenders pursuant to clause (b) above by giving notice (in writing
     or by telephone confirmed in writing) to the Agent of the amount of each
     Competitive Bid Loan (which amount shall be equal to or greater than the
     minimum amount, if any, and equal to or less than the maximum amount,
     notified to Workflow by the Agent on behalf of each such Bidder Lender for
     such Competitive Bid Borrowing) and reject any remaining offers made by
     Bidder Lenders pursuant to clause (b) above by giving the Agent notice to
     that effect; provided that
                  --------

                                       6
<PAGE>

     acceptance of offers may only be made on the basis of ascending Absolute
     Rates commencing with the lowest rate so offered; provided further,
                                                       ----------------
     however, if offers are made by two or more Bidder Lenders at the same rate
     -------
     and acceptance of all such equal offers would result in a greater principal
     amount of Competitive Bid Loans being accepted than the aggregate principal
     amount requested by Workflow, Workflow shall have the right to accept one
     or more such equal offers in their entirety and reject the other equal
     offer or offers or to allocate acceptance among all such equal offers (but
     giving effect to the minimum amounts, if any, and maximum amounts specified
     for each such offer pursuant to clause (b) above), as Workflow may elect in
     its sole discretion.

          (d)  If Workflow notifies the Agent that such Competitive Bid
Borrowing is canceled pursuant to clause (c)(1) above, the Agent shall give
prompt written notice thereof to the Bidder Lenders and such Competitive Bid
Borrowing shall not be made.

          (e)  If Workflow accepts one or more of the offers made by any Bidder
Lender or Bidder Lenders pursuant to clause (c)(2) above, the Agent shall in
turn promptly notify (in writing or by telephone confirmed in writing) (x) each
Bidder Lender that has made an offer as described in clause (b) above, of the
date and aggregate amount of such Competitive Bid Borrowing and whether or not
any offer or offers made by such Bidder Lender pursuant to clause (b) above have
been accepted by Workflow and (y) each Bidder Lender that is to make a
Competitive Bid Loan as part of such Competitive Bid Borrowing, of the amount of
each Competitive Bid Loan to be made by such Bidder Lender as part of such
Competitive Bid Borrowing.

          (f)  On the last Business Day of each calendar quarter, the Agent
shall notify the Borrowers and the Lenders of the aggregate principal amount of
Competitive Bid Loans outstanding to Workflow at such time.

     1.05 Disbursement of Funds.
          ---------------------

          (a)  No later than 1:00 P.M. (New York time) on the date specified in
each Notice of Borrowing (or (w) in the case of Swingline Loans, no later than
2:00 P.M. (New York time) on the date specified in the notice delivered pursuant
to Section 1.03(b), (x) in the case of Mandatory Borrowings, no later than 12:00
Noon (New York time) on the date specified in Section 1.01(c)(C), (y) in the
case of Competitive Bid Loans, no later than 1:00 P.M. (New York time) on the
date specified pursuant to Section 1.04(a)), each Revolver Lender (or, in the
case of a Borrowing of Canadian Revolving Loans, each Canadian Lender) will make
available its pro rata share of each Borrowing requested to be made on such date
(or (x) in the case of Swingline Loans, Fleet shall make available the full
amount thereof and (y) in the case of Competitive Bid Loans, the respective
Bidder Lenders which are to make such Competitive Bid Loans in accordance with
Section 1.04(e) shall make available their respective amounts thereof) in the
manner provided below:

               (i)  All amounts in respect of Dollar Loans shall be made
     available to the Agent in Dollars and immediately available funds at the
     appropriate Payment Office and, except for Revolving Loans made pursuant to
     a Mandatory Borrowing, the Agent promptly will make available to the
     respective Borrower by depositing to its account at the appropriate Payment
     Office the aggregate of the amounts so made available in the type of funds
     received.  Unless the Agent shall have been notified by any Lender prior to
     the date of Borrowing that such Lender does not intend to make available to
     the Agent its portion of the Borrowing or Borrowings to be made on such
     date, the Agent may assume that such Lender has made such

                                       7
<PAGE>

     amount available to the Agent on such date of Borrowing, and the Agent, in
     reliance upon such assumption, may (in its sole discretion and without any
     obligation to do so) make available to the respective Borrower a
     corresponding amount. If such corresponding amount is not in fact made
     available to the Agent by such Lender and the Agent has made available same
     to the respective Borrower, the Agent shall be entitled to recover such
     corresponding amount from such Lender. If such Lender does not pay such
     corresponding amount forthwith upon the Agent's demand therefor, the Agent
     shall promptly notify the respective Borrower, and such Borrower shall
     immediately pay such corresponding amount to the Agent. The Agent shall
     also be entitled to recover from such Lender or such Borrower, as the case
     may be, interest on such corresponding amount in respect of each day from
     the date such corresponding amount was made available by the Agent to such
     Borrower to the date such corresponding amount is recovered by the Agent,
     at a rate per annum equal to (x) if paid by such Lender, the Federal Funds
     Effective Rate or (y) if paid by such Borrower, the then applicable rate of
     interest, calculated in accordance with Section 1.09, for the respective
     Loans.

               (ii) All amounts in respect of Canadian Revolving Loans shall be
     made available to the Canadian Co-Agent in Canadian Dollars and immediately
     available funds at the appropriate Payment Office and the Canadian Co-Agent
     promptly will make available to DBF by depositing to its account at the
     appropriate Payment Office the aggregate of the amounts so made available
     in the type of funds received.  Unless the Canadian Co-Agent shall have
     been notified by any Canadian Lender prior to the date of Borrowing that
     such Lender does not intend to make available to the Canadian Co-Agent its
     portion of the Borrowing or Borrowings to be made on such date, the
     Canadian Co-Agent may assume that such Canadian Lender has made such amount
     available to the Canadian Co-Agent on such date of Borrowing, and the
     Canadian Co-Agent, in reliance upon such assumption, may (in its sole
     discretion and without any obligation to do so) make available to DBF a
     corresponding amount.  If such corresponding amount is not in fact made
     available to the Canadian Co-Agent by such Canadian Lender and the Canadian
     Co-Agent has made available same to DBF, the Canadian Co-Agent shall be
     entitled to recover such corresponding amount from such Canadian Lender.
     If such Canadian Lender does not pay such corresponding amount forthwith
     upon the Canadian Co-Agent's demand therefor, the Canadian Co-Agent shall
     promptly notify DBF, and DBF shall immediately pay such corresponding
     amount to the Canadian Co-Agent.  The Canadian Co-Agent shall also be
     entitled to recover from such Canadian Lender or DBF, as the case may be,
     interest on such corresponding amount in respect of each day from the date
     such corresponding amount was made available by the Canadian Co-Agent to
     DBF to the date such corresponding amount is recovered by the Canadian Co-
     Agent, at a rate per annum equal to (x) if paid by such Canadian Lender,
     the prevailing interbank rate for late payments or (y) if paid by DBF, the
     then applicable rate of interest, calculated in accordance with Section
     1.09, for the respective Loans.

          (b)  Nothing herein shall be deemed to relieve any Lender from its
obligation to fulfill its commitments hereunder or to prejudice any rights which
any Borrower may have against any Lender as a result of any default by such
Lender hereunder.

                                       8
<PAGE>

     1.06 Notes; etc.
          -----------

          (a)  Each Borrower's obligation to pay the principal of (or the Face
Amount of, as the case may be), and interest on, all the Loans made to such
Borrower by each Lender shall be set forth in the Register maintained by the
Agent pursuant to Section 12.17 and shall, if requested by any Lender, also be
evidenced (i) if Dollar Revolving Loans, by a promissory note duly executed and
delivered by Workflow substantially in the form of Exhibit C-1, with blanks
appropriately completed in conformity herewith (each a "Dollar Revolving Note"
and, collectively, the "Dollar Revolving Notes"), (ii) if Canadian Revolving
Loans, by a promissory note duly executed and delivered by DBF substantially in
the form of Exhibit C-2, with blanks appropriately completed in conformity
herewith (each a "Canadian Revolving Note" and, collectively, the "Canadian
Revolving Notes"), (iii) if Swingline Loans, by a promissory note duly executed
and delivered by Workflow substantially in the form of Exhibit C-3, with blanks
appropriately completed in conformity herewith (the "Swingline Note"), (iv) if
Dollar Term Loans, by a promissory note duly executed and delivered by Workflow
substantially in the form of Exhibit C-4, with blanks appropriately completed in
conformity herewith (each a "Dollar Term Note" and, collectively, the "Dollar
Term Notes") and (v) if Canadian Term Loans, by a promissory note duly executed
and delivered by DBF substantially in the form of Exhibit C-5, with blanks
appropriately completed in conformity herewith (each a "Canadian Term Note" and,
collectively, the "Canadian Term Notes").  The terms of each Competitive Bid
Loan shall be evidenced by the respective correspondence between Workflow and
the respective Bidder Lender pursuant to Section 1.04 and, unless otherwise
agreed by Workflow and the respective Bidder Lender or unless the respective
Bidder Lender makes a request pursuant to the immediately succeeding sentence,
Competitive Bid Loans shall not be evidenced by promissory notes.  If requested
by any Lender, (x) Workflow agrees to execute and deliver a promissory note, in
form reasonably satisfactory to the respective Lender, evidencing the
Competitive Bid Loans of such Lender to Workflow (with any such promissory notes
herein called "Competitive Bid Notes") and (y) each Borrower agrees to execute
and deliver a Dollar Revolving Note, a Canadian Revolving Note, the Swingline
Note, a Dollar Term Note and a Canadian Term Note, as the case may be,
evidencing the Dollar Revolving Loans, the Canadian Revolving Loans, the
Swingline Loans, the Dollar Term Loan or the Canadian Term Loan, respectively,
of such Lender to such Borrower.

          (b)  The Dollar Revolving Note issued to each Lender shall (i) be
executed by Workflow, (ii) be payable to the order of such Lender and be dated
the Effective Date (or, if issued to a Person that became a Lender after the
Effective Date, be dated the date of issuance thereof), (iii) be in a stated
principal amount equal to the Revolving Commitment of such Lender (or, if issued
after the termination thereof, be in a stated principal amount equal to the
outstanding Dollar Revolving Loans of such Lender at such time) and be payable
in the outstanding principal amount of the Dollar Revolving Loans evidenced
thereby, (iv) mature on the Final Maturity Date, (v) bear interest as provided
in the appropriate clause of Section 1.09 in respect of the Base Rate Loans and
Eurodollar Loans, as the case may be, evidenced thereby, (vi) be subject to
voluntary prepayment as provided in Section 4.01, and mandatory prepayment as
provided in Section 3.03 and Section 4.02, and (vii) be entitled to the benefits
of this Agreement and the other Credit Documents.

          (c)  The Canadian Revolving Note and the Canadian Term Note issued by
DBF to each Lender that has a Canadian Sub-Commitment, outstanding Canadian
Revolving Loans or outstanding Canadian Term Loans shall (i) be executed by DBF,
(ii) be payable to the order of such Lender (or an Affiliate thereof designated
by such Lender) and be dated (A) in the case of Canadian Revolving Loans, the
Effective Date (or, if issued to a Person that has become a Lender after the
Effective Date, be dated the date of issuance thereof) and (B) in the case of
Canadian Term Loans,

                                       9
<PAGE>

the Canadian Term Out Date (or, if issued to a Person that has become a Lender
after the Canadian Term Out Date, be dated the date of issuance thereof), (iii)
be in a stated principal amount (expressed in Canadian Dollars) which exceeds by
25% the Canadian Dollar Equivalent (as of the date of issuance) of the
respective Lender's Canadian Sub-Commitment prior to the Canadian Term Out Date
and the respective Lender's outstanding Canadian Term Loans on and subsequent to
the Canadian Term Out Date; provided that if, because of fluctuations in
                            --------
exchange rates after the Effective Date or Canadian Term Out Date, as
applicable, the amount of the Canadian Revolving Note or Canadian Term Note of
DBF held by any Lender would not be at least as great as the outstanding
principal amount of, and the Face Amount of, as applicable, Canadian Revolving
Loans or Canadian Term Loans made by such Lender to DBF and evidenced thereby,
the respective Lender may request (and in such case DBF shall promptly execute
and deliver) a new Canadian Revolving Note or Canadian Term Note, as applicable,
in an amount equal to the greater of (x) that amount (expressed in Canadian
Dollars) which at that time exceeds by 25% the Canadian Dollar Equivalent of the
respective Lender's Canadian Sub-Commitment or (y) the then outstanding
principal amount of, and the Face Amount of, as applicable, all Canadian
Revolving Loans or Canadian Term Loans, as applicable, made by such Lender to
DBF, (iv) be payable in Canadian Dollars in the outstanding principal amount of,
and Face Amount of, as applicable, the Canadian Revolving Loans or Canadian Term
Loans, as applicable, made to DBF and evidenced thereby, (v) bear interest as
provided in the appropriate clause of Section 1.09 in respect of the Canadian
Prime Rate Loans evidenced thereby, (vi) be subject to voluntary prepayment as
provided in Section 4.01, and mandatory repayment as provided in Section 4.02,
and (vii) be entitled to the benefits of this Agreement and the other Credit
Documents.

          (d)  The Swingline Note issued to Fleet shall (i) be executed by
Workflow, (ii) be payable to the order of Fleet and be dated the Effective Date,
(iii) be in a stated principal amount equal to the Maximum Swingline Amount and
be payable in the outstanding principal amount of the Swingline Loans evidenced
thereby, (iv) mature on the Swingline Expiry Date, (v) bear interest as provided
in Section 1.09 in respect of the Base Rate Loans evidenced thereby, (vi) be
subject to voluntary prepayment as provided in Section 4.01, and mandatory
prepayment as provided in Section 4.02, and (vii) be entitled to the benefits of
this Agreement and the other Credit Documents.

          (e)  The Dollar Term Note issued to each Lender with a Dollar Term
Loan Commitment shall (i) be executed by Workflow, (ii) be payable to the order
of such Lender and be dated the Effective Date (or, if issued to a Person that
became a Lender after the Effective Date, be dated the date of issuance
thereof), (iii) be in a stated principal amount equal to the initial Dollar Term
Loan Commitment of such Lender and be payable in the outstanding principal
amount of the Dollar Term Loans evidenced thereby, (iv) mature on the Final
Maturity Date, (v) bear interest as provided in the appropriate clause of
Section 1.09 in respect of the Base Rate Loans and Eurodollar Loans, as the case
may be, evidenced thereby, (vi) be subject to voluntary prepayment as provided
in Section 4.01, and mandatory repayment as provided in Section 4.02, and (vii)
be entitled to the benefits of this Agreement and the other Credit Documents.

          (f)  Each Lender will note on its internal records the amount of each
Loan made by it to each Borrower and each payment in respect thereof and will
prior to any transfer of any of its Notes endorse on the reverse side thereof
the outstanding principal amount of Loans (including, without limitation, the
Face Amount of any Bankers' Acceptances) evidenced thereby.  Failure to make any
such notation, or any error in such notation, shall not affect the respective
Borrower's obligations in respect of such Loans.

                                       10
<PAGE>

     1.07 Conversions.
          -----------

          (a)  Workflow shall have the option to convert on any Business Day all
or a portion at least equal to the applicable Minimum Borrowing Amount of the
outstanding principal amount of Dollar Revolving Loans or Dollar Term Loans of
one Type into Borrowing of the other Type of Dollar Revolving Loans or Dollar
Term Loans, as applicable, provided that (i) no conversion of Base Rate Loans
into Eurodollar Loans may be made prior to the Syndication Date except for a
conversion made on the first day of a PSD Interest Period, (ii) no partial
conversion of a Borrowing of Eurodollar Loans shall reduce the outstanding
principal amount of the Eurodollar Loans made pursuant to such Borrowing to less
than the Minimum Borrowing Amount applicable thereto, (iii) Base Rate Loans may
only be converted into Eurodollar Loans if no Default or Event of Default is in
existence on the date of the conversion, and (iv) Borrowings of Eurodollar Loans
resulting from this Section 1.07 shall be limited in number as provided in
Section 1.02.  Each such conversion shall be effected by Workflow by giving the
Agent at the Notice Office, prior to 11:00 A.M. (New York time), at least three
Business Days' (or one Business Day's in the case of a conversion into Base Rate
Loans) prior written notice (or telephonic notice promptly confirmed in writing)
(each a "Notice of Conversion") specifying the Dollar Revolving Loans and Term
Loans to be so converted, the Type of Dollar Revolving Loans and Term Loans to
be converted into and, if to be converted into a Borrowing of Eurodollar Loans,
the Interest Period to be initially applicable thereto.  The Agent shall give
each Lender prompt notice of any such proposed conversion affecting any of such
Lender's Dollar Revolving Loans or Term Loans.

          (b)  Mandatory conversions of Bankers' Acceptance Loans into Canadian
Prime Rate Loans shall be made in the circumstances, and to the extent, provided
in clause (i) of Annex III.  Except as otherwise provided in the immediately
preceding sentence and as provided in clause (i) of Annex III, Bankers'
Acceptance Loans shall not be permitted to be converted into Canadian Prime Rate
Loans, and Canadian Prime Rate Loans shall not be permitted to be converted into
Bankers' Acceptance Loans.  However, subject to compliance with the terms and
conditions of this Agreement, DBF may from time to time repay Canadian Revolving
Loans of one Type made to it and, concurrently therewith, may borrow another
Type of Canadian Revolving Loans permitted to be incurred by it.

     1.08 Pro Rata Borrowings.  Subject to the provisions of Section 1.01(c)(C)
          -------------------
in the case of Mandatory Borrowings and clause (e) of Annex III in the case of
Bankers' Acceptance Loans, (i) all Borrowings of Dollar Revolving Loans under
this Agreement shall be made by the Lenders pro rata on the basis of their
Dollar Percentages, (ii) all Borrowings of Canadian Revolving Loans and Canadian
Term Loans under this Agreement shall be made by the Canadian Lenders pro rata
on the basis of their Canadian Percentages and (iii) all Borrowings of Dollar
Term Loans under this Agreement shall be made by the Dollar Term Lenders pro
                                                                         ---
rata on the basis of their Dollar Term Loan Percentages.  It is understood that
----
no Lender shall be responsible for any default by any other Lender of its
obligation to make Loans hereunder and that each Lender shall be obligated to
make the Loans required to be made by it hereunder, regardless of the failure of
any other Lender to fulfill its commitments hereunder.

     1.09 Interest.
          --------

          (a)  Workflow agrees to pay interest in respect of the unpaid
principal amount of each Base Rate Loan made to it from the date of the
Borrowing thereof until the conversion or maturity (whether by acceleration or
otherwise) of such Base Rate Loan, at a rate per annum which

                                       11
<PAGE>

shall at all times be the sum of the Applicable Base Rate Margin plus the Base
Rate, each as in effect from time to time.

          (b)  Workflow agrees to pay interest in respect of the unpaid
principal amount of each Eurodollar Loan made to it from the date of the
Borrowing thereof until the conversion or maturity (whether by acceleration or
otherwise) of such Eurodollar Loan at a rate per annum which shall, at all times
during each Interest Period applicable thereto, be the sum of the Applicable
Revolver Eurodollar Margin or Applicable Term Eurodollar Margin (as applicable)
as in effect from time to time plus the relevant Eurodollar Rate for such
Interest Period.

          (c)  DBF agrees to pay interest in respect of the unpaid principal
amount of each Canadian Prime Rate Loan made to it from the date the proceeds
thereof are made available to it (which shall, in the case of a conversion
pursuant to clause (i) of Annex III, be deemed to be the date upon which a
maturing Bankers' Acceptance is converted into a Canadian Prime Rate Loan
pursuant to said clause (i), with the proceeds thereof to be equal to the full
Face Amount of the maturing Bankers' Acceptances) until the maturity thereof
(whether by acceleration or otherwise) at a rate per annum which shall be equal
to the sum of the Applicable Canadian Prime Rate Margin plus the Canadian Prime
Rate, each as in effect from time to time.

          (d)  With respect to Bankers' Acceptance Loans, Acceptance Fees shall
be payable in connection therewith as provided in clause (g) of Annex III.
Until maturity of the respective Banker's Acceptances, interest shall not
otherwise be payable with respect thereto.

          (e)  Workflow agrees to pay interest in respect of the unpaid
principal amount of each Competitive Bid Loan made to it from the date the
proceeds thereof are made available to it until the maturity thereof (whether by
acceleration or otherwise) at the rate or rates per annum specified pursuant to
Section 1.04(b) by the Bidder Lender or Bidder Lenders, as the case may be,
making such Competitive Bid Loan and accepted by Workflow pursuant to Section
1.04(c)(2).

          (f)  Overdue principal and, to the extent permitted by law, overdue
interest in respect of each Loan, any other overdue amount payable hereunder
and, during the continuance of an Event of Default, any amounts not overdue
shall, in each case, bear interest at a rate per annum (i) in the case of
overdue principal of, and interest or other amounts owing with respect to,
Canadian Revolving Loans, Canadian Term Loans and any other amounts owing or, if
applicable, outstanding, in Canadian Dollars, equal to 2% per annum in excess of
the rate of interest otherwise applicable to Canadian Prime Rate Loans from time
to time, and (ii) in all other cases, equal to the greater of (x) 2% per annum
in excess of the rate otherwise applicable to Base Rate Loans from time to time
and (y) the rate which is 2% in excess of the rate then borne by such Loans.
Notwithstanding anything to the contrary contained in this Section 1.09(f), so
long as any Canadian Revolving Loans or Canadian Term Loans are secured by Real
Property located in Canada, overdue principal in respect of any Canadian
Revolving Loans and Canadian Term Loans shall bear interest at the rate
otherwise applicable thereto pursuant to Section 1.09(c) unless a higher rate of
interest is then permitted under applicable law, in which case such higher rate
of interest shall apply subject to the provisions of this Section 1.09(f).

          (g)  Interest shall accrue from and including the date of any
Borrowing of any Loan to but excluding the date of any repayment thereof and
shall be payable (i) in respect of each Base Rate Loan and Canadian Prime Rate
Loan, quarterly in arrears on the last Business Day of each April, July, October
and January, (ii) in respect of each Eurodollar Loan, on the last day of each

                                       12
<PAGE>

Interest Period applicable thereto and, in the case of an Interest Period of six
months, on the date occurring three months after the first day of such Interest
Period, (iii) in respect of each Competitive Bid Loan, at such times as
specified in the Notice of Competitive Bid Borrowing relating thereto and (iv)
in respect of each Loan (other than Bankers' Acceptances), on any prepayment or
conversion (on the amount prepaid or converted), at maturity (whether by
acceleration or otherwise) and, after such maturity, on demand, provided, that
                                                                --------
in the case of Dollar Revolving Loans maintained as Base Rate Loans, interest
shall not be payable pursuant to the preceding clause (iv) at the time of any
repayment or prepayment thereof unless the respective repayment or prepayment is
made in conjunction with a permanent reduction of the Total Revolving
Commitment.

          (h)  All computations of interest hereunder shall be made in
accordance with Section 12.07(b).

          (i)  The Agent, upon determining the Eurodollar Rate for any Borrowing
of Eurodollar Loans for any Interest Period, shall promptly notify Workflow and
the Lenders thereof.  Each such determination shall, absent manifest error, be
final and conclusive and binding on all parties hereto.

     1.10 Interest Periods.  At the time Workflow gives a Notice of Borrowing or
          ----------------
Notice of Conversion in respect of the making of, or conversion into, a
Borrowing of Eurodollar Loans (in the case of the initial Interest Period
applicable thereto) or prior to 11:00 A.M. (New York time) on the third Business
Day prior to the expiration of an Interest Period applicable to a Borrowing of
Eurodollar Loans, Workflow shall have the right to elect, by giving the Agent
written notice (or telephonic notice promptly confirmed in writing), the
Interest Period applicable to such Borrowing, which Interest Period shall, at
the option of Workflow, be a one, two, three or six month period, provided that:
                                                                  --------

               (i)    all Eurodollar Loans comprising a Borrowing shall at all
     times have the same Interest Period;

               (ii)   the initial Interest Period for any Borrowing of
     Eurodollar Loans shall commence on the date of such Borrowing (including
     the date of any conversion from a Borrowing of Base Rate Loans) and each
     Interest Period occurring thereafter in respect of such Borrowing shall
     commence on the day on which the next preceding Interest Period expires;

               (iii)  if any Interest Period begins on a day for which there is
     no numerically corresponding day in the calendar month at the end of such
     Interest Period, such Interest Period shall end on the last Business Day of
     such calendar month;

               (iv)   if any Interest Period would otherwise expire on a day
     which is not a Business Day, such Interest Period shall expire on the next
     succeeding Business Day, provided, that if any Interest Period would
     otherwise expire on a day which is not a Business Day but is a day of the
     month after which no further Business Day occurs in such month, such
     Interest Period shall expire on the next preceding Business Day;

               (v)    subject to the foregoing clauses (i) through (iv), only a
     one month Interest Period shall be available to be selected prior to the
     Syndication Date, with all Dollar Revolving Loans and Term Loans
     constituting Eurodollar Loans during such period to be

                                       13
<PAGE>

     outstanding pursuant to a single Borrowing, with all such Borrowings to
     commence and end on the same day;

               (vi)   no Interest Period may be elected if it would extend
     beyond the Final Maturity Date; and

               (vii)  no Interest Period may be elected at any time when a
     Default or an Event of Default is then in existence.

If upon the expiration of any Interest Period, Workflow has failed to, or is not
permitted to, elect a new Interest Period to be applicable to the respective
Borrowing of Eurodollar Loans as provided above, Workflow shall be deemed to
have elected to convert such Borrowing into a Borrowing of Base Rate Loans
effective as of the expiration date of such current Interest Period.

     1.11 Increased Costs, Illegality, etc.
          --------------------------------

          (a)  In the event that (x) in the case of clause (i) below, the Agent,
(y) in the case of clauses (ii) and (iii) below, any Lender, or (z) in the case
of clause (iv) below, the Canadian Co-Agent shall have determined (which
determination shall, absent manifest error, be final and conclusive and binding
upon all parties hereto):

               (i)    on any date for determining the Eurodollar Rate for any
     Interest Period, that, by reason of any changes arising after the date of
     this Agreement affecting the interbank Eurodollar market, adequate and fair
     means do not exist for ascertaining the applicable interest rate on the
     basis provided for in the definition of Eurodollar Rate; or

               (ii)   at any time, that such Lender shall incur increased costs
     or reductions in the amounts received or receivable hereunder with respect
     to any Eurodollar Loans or Competitive Bid Loans because of (x) any change
     since the date of this Agreement in any applicable law, governmental rule,
     regulation, guideline, order or request (whether or not having the force of
     law), or in the interpretation or administration thereof and including the
     adoption or introduction of any new law or governmental rule, regulation,
     guideline, order or request, such as, for example, but not limited to: (A)
     a change in the basis of taxation of payment to any Lender of the principal
     of or interest on the Loans, the Notes or any other amounts payable
     hereunder (except for changes in the rate of tax on, or determined by
     reference to, the net income or profits of such Lender pursuant to the laws
     of the jurisdiction in which it is organized or in which its principal
     office or applicable lending office is located or any subdivision thereof
     or therein) or (B) a change in official reserve requirements, but, in all
     events, excluding reserves required under Regulation D to the extent
     included in the computation of the Eurodollar Rate and/or (y) other
     circumstances since the date of this Agreement affecting such Lender, the
     interbank Eurodollar market or the position of such Lender in such market;
     or

               (iii)  at any time, that the making or continuance of any
     Eurodollar Loan or Competitive Bid Loan has been made (x) unlawful by any
     law or governmental rule, regulation or order, (y) impossible by compliance
     by any Lender in good faith with any governmental request (whether or not
     having force of law) or (z) impracticable as a result of a contingency
     occurring after the date of this Agreement which materially and adversely
     affects the interbank Eurodollar market; or

                                       14
<PAGE>

               (iv)   at any time that Canadian Dollars are not available in
     sufficient amounts, as determined in good faith by the Agent, to fund any
     Borrowing of Canadian Revolving Loans requested pursuant to Section 1.01;

then, and in any such event, the Agent (in the case of clause (i) above), such
Lender (in the case of clauses (ii) and (iii) above) or the Canadian Co-Agent
(in the case of clause (iv) above) shall give notice (by telephone confirmed
promptly in writing) to the respective Borrower or Borrowers and (except in the
case of clause (i)) to the Agent of such determination (which notice the Agent
shall promptly transmit to each of the other Lenders).  Thereafter (w) in the
case of clause (i) above, Eurodollar Loans shall no longer be available until
such time as the Agent notifies Workflow and the Lenders that the circumstances
giving rise to such notice by the Agent no longer exist, and any Notice of
Borrowing or Notice of Conversion given by Workflow with respect to Eurodollar
Loans which have not yet been incurred shall be deemed rescinded by Workflow,
(x) in the case of clause (ii) above, the respective Borrower or Borrowers agree
to pay to such Lender, upon written demand therefor (accompanied by the written
notice referred to below), such additional amounts (in the form of an increased
rate of, or a different method of calculating, interest or otherwise as such
Lender in its sole discretion shall determine) as shall be required to
compensate such Lender for such increased costs or reductions in amounts
received or receivable hereunder (a written notice as to the additional amounts
owed to such Lender, showing in reasonable detail the basis for the calculation
thereof, submitted to such Borrower or Borrowers by such Lender shall, absent
;manifest error, be final and conclusive and binding upon all parties hereto),
(y) in the case of clause (iii) above, the respective Borrower or Borrowers
shall take one of the actions specified in Section 1.11(b) as promptly as
possible and, in any event, within the time period required by law and (z) in
the case of clause (iv) above, Canadian Revolving Loans (exclusive of Canadian
Revolving Loans which have theretofore been funded) shall no longer be available
until such time as the Canadian Co-Agent notifies the Agent, DBF and the Lenders
that the circumstances giving rise to such notice by the Canadian Co-Agent no
longer exist, and any Notice of Borrowing given by DBF with respect to such
Canadian Revolving Loans which have not been incurred shall be deemed rescinded
by DBF.

          (b)  At any time that any Eurodollar Loan or Competitive Bid Loan is
affected by the circumstances described in Section 1.11(a)(ii) or (iii), the
respective Borrower may (and in the case of a Eurodollar Loan or Competitive Bid
Loan affected pursuant to Section 1.11(a)(iii) the respective Borrower shall)
either (i) if the affected Eurodollar Loan or Competitive Bid Loan is then being
made pursuant to a Borrowing, cancel said Borrowing by giving the Agent
telephonic notice (confirmed promptly in writing) thereof on the same date that
such Borrower was notified by a Lender pursuant to Section 1.11(a)(ii) or
(iii)), or (ii) if the affected Eurodollar Loan or Competitive Bid Loan is then
outstanding, upon at least three Business Days' notice to the Agent, (A) in the
case of a Eurodollar Loan, require the affected Lender to convert each such
Eurodollar Loan into a Base Rate Loan (which conversion, in the case of the
circumstances described in Section 1.11(a)(iii), shall occur no later than the
last day of the Interest Period then applicable to such Eurodollar Loan (or such
earlier date as shall be required by applicable law)) and (B) in the case of a
Competitive Bid Loan, repay such Competitive Bid Loan in full; provided, that if
                                                               --------
more than one Lender is affected at any time as described above in this clause
(b), then all affected Lenders must be treated the same pursuant to this Section
1.11(b).

          (c)  If any Lender shall have determined that after the date hereof,
the adoption, introduction or effectiveness of any applicable law, rule or
regulation regarding capital adequacy, or any change therein, or any change in
the interpretation or administration thereof by any governmental

                                       15
<PAGE>

authority, central bank or comparable agency charged with the interpretation or
administration thereof, or compliance by such Lender with any request or
directive regarding capital adequacy (whether or not having the force of law) of
any such authority, central bank or comparable agency, has or would have the
effect of increasing the amount of capital required or expected to be maintained
by such Lender or any corporation controlling such Lender based on the existence
of such Lender's Revolving Commitment, Loans outstanding or obligation
hereunder, then from time to time, upon written demand by such Lender (with a
copy to the Agent), the Borrowers jointly and severally shall pay to such Lender
such additional amounts as shall be required to compensate such Lender or such
other corporation for the increased cost to such Lender or such other
corporation or the reduction in the rate of return to such Lender or such other
corporation as a result of such increase of capital.  In determining such
additional amounts, each Lender will act reasonably and in good faith and will
use averaging and attribution methods which are reasonable, provided that such
                                                            --------
Lender's determination of compensation owing under this Section 1.11(c) shall,
absent manifest error, be final and conclusive and binding on all the parties
hereto.  Each Lender, upon determining that any additional amounts will be
payable pursuant to this Section 1.11(c), will give prompt written notice
thereof to the Borrowers, which notice shall show in reasonable detail the basis
for calculation of such additional amounts, although the failure to give any
such notice shall not release or diminish the Borrowers' obligations to pay
additional amounts pursuant to this Section 1.11(c) upon the subsequent receipt
of such notice.

     1.12 Compensation.  The respective Borrower or Borrowers agree to
          ------------
compensate each Lender, upon its written request (which request shall set forth
in reasonable detail the basis for requesting such compensation), for all
reasonable losses, expenses and liabilities (including, without limitation, any
loss, expense or liability incurred by reason of the liquidation or reemployment
of deposits or other funds required by such Lender to fund its Eurodollar Loans
or Competitive Bid Loans but excluding loss of anticipated profit with respect
to any Loans) which such Lender may sustain:  (i) if for any reason (other than
a default by such Lender or the Agent) a Borrowing of Eurodollar Loans or
Competitive Bid Loans does not occur on a date specified therefor in a Notice of
Borrowing, Notice of Competitive Bid Borrowing or Notice of Conversion (whether
or not withdrawn or deemed withdrawn pursuant to Section 1.11(a) or (b)); (ii)
if any repayment (including any repayment made pursuant to Section 4.01 or 4.02
or as a result of an acceleration of the Loans pursuant to Section 9) or
conversion of any Eurodollar Loans occurs on a date which is not the last day of
an Interest Period applicable thereto; (iii) if any repayment (including any
repayment made pursuant to Section 4.01 or 4.02 or as a result of an
acceleration of the Loans pursuant to Section 9) of any Competitive Bid Loans or
Bankers' Acceptance Loans occurs on a date which is not the maturity date of the
respective Competitive Bid Loans or Bankers' Acceptance, as the case may be;
(iv) if any prepayment of any Eurodollar Loans, Competitive Bid Loans or
Bankers' Acceptance Loans is not made on any date specified in a notice of
prepayment given by the respective Borrower or Borrowers; or (v) as a
consequence of (x) any other default by the Borrower or Borrowers to repay its
Loans when required by the terms of this Agreement or (y) an election made
pursuant to Section 1.11(b).

     1.13 Lending Offices; Changes Thereto.
          --------------------------------

          (a)  Each Lender may at any time or from time to time designate, by
written notice to the Agent (and, with respect to the Canadian Loans, to the
Canadian Co-Agent) to the extent not already reflected on Annex II, one or more
lending offices (which, for this purpose, may include Affiliates of the
respective Lender) for the various Loans made, and Letters of Credit
participated in, by such Lender (including by designating a separate lending
office (or Affiliate) to

                                       16
<PAGE>

act as such with respect to Dollar Loans and Letter of Credit Outstandings
versus Canadian Loans); provided that, for designations made after the Effective
Date, to the extent such designation shall result in increased costs under
Section 1.11, 2.05 or 4.04 in excess of those which would be charged in the
absence of the designation of a different lending office (including a different
Affiliate of the respective Lender), then the Borrowers shall not be obligated
to pay such excess increased costs (although the Borrowers, in accordance with
and pursuant to the other provisions of this Agreement, shall be obligated to
pay the costs which would apply in the absence of such designation and any
subsequent increased costs of the type described above resulting from changes
after the date of the respective designation). Each lending office and Affiliate
of any Lender designated as provided above shall, for all purposes of this
Agreement, be treated in the same manner as the respective Lender (and shall be
entitled to all indemnities and similar provisions in respect of its acting as
such hereunder).

          (b)  Each Lender agrees that, upon the occurrence of any event giving
rise to the operation of Section 1.11(a)(ii) or (iii), 1.11(c), 2.05 or 4.04
with respect to such Lender, it will, if requested by the applicable Borrower,
use reasonable efforts (subject to overall policy considerations of such Lender)
to designate another lending office for any Loans or Letters of Credit affected
by such event; provided, that such designation is made on such terms that, in
the sole judgment of such Lender, such Lender and its lending office suffer no
economic, legal or regulatory disadvantage, with the object of avoiding the
consequences of the event giving rise to the operation of any such Section.
Nothing in this Section 1.13 shall affect or postpone any of the obligations of
any Borrower or the right of any Lender provided in Section 1.11, 2.05 or 4.04.

     1.14 Replacement of Lenders.
          ----------------------

          (a)  (i)  If any Lender becomes a Defaulting Lender or otherwise
defaults in its obligations to make Loans or fund Unpaid Drawings, (ii) if any
Lender refuses to consent to certain proposed changes, waivers, discharges or
terminations with respect to this Agreement which have been approved by the
Required Lenders as (and to the extent) provided in Section 12.12(b) or (iii)
upon the occurrence of any event giving rise to the operation of Section
1.11(a)(ii) or (iii), Section 1.11(c), Section 2.05 or Section 4.04 with respect
to any Lender which results in such Lender charging to any Borrower increased
costs in excess of those being generally charged by the other Lenders, the
Borrowers shall have the right, in accordance with the requirements of Section
12.04(b), if no Event of Default will exist after giving effect to such
replacement, to replace such Lender (the "Replaced Lender") with an Eligible
Transferee or Transferees, none of which shall constitute a Defaulting Lender at
the time of such replacement (collectively, the "Replacement Lender"), and each
of whom shall be reasonably acceptable to the Agent and the Letter of Credit
Issuer and, if the Replacement Lender is a Canadian Lender, the Canadian Co-
Agent, provided that (A) at the time of any replacement pursuant to this Section
1.14, the Replacement Lender shall enter into one or more Assignment and
Assumption Agreements pursuant to Section 12.04(b) (and with the assignment fee
payable pursuant to said Section 12.04(b) to be paid by the Replacement Lender)
pursuant to which the Replacement Lender shall acquire the entire Revolving
Commitment (including any Canadian Sub-Commitment), Dollar Term Loan Commitment
and all outstanding Loans of, and in each case participations in Swingline Loans
and Letters of Credit by, the Replaced Lender and, in connection therewith,
shall pay (x) to the Replaced Lender in respect thereof an amount (in the
respective currencies in which such Obligations are denominated) equal to the
sum of (I) an amount equal to the principal of (including, without limitation,
the Face Amount of Bankers' Acceptance Loans), and all accrued interest on, all
outstanding Loans of the Replaced Lender, (II) an amount equal to all Unpaid
Drawings that have been funded by (and not reimbursed to) such Replaced Lender,
together with all

                                       17
<PAGE>

then unpaid interest with respect thereto at such time and (III) an amount equal
to all accrued, but theretofore unpaid, Fees owing to the Replaced Lender
pursuant to Section 3.01, (y) to the Letter of Credit Issuer an amount equal to
such Replaced Lender's Dollar Percentage of any Unpaid Drawing (which at such
time remains an Unpaid Drawing) to the extent such amount was not theretofore
funded by such Replaced Lender and (z) to Fleet an amount equal to such Replaced
Lender's Dollar Percentage of any Mandatory Borrowing to the extent such amount
was not theretofore funded by such Replaced Lender and (B) all obligations of
the Borrowers owing to the Replaced Lender (other than those specifically
described in clause (A) above in respect of which the assignment purchase price
has been, or is concurrently being, paid) shall be paid in full to such Replaced
Lender concurrently with such replacement.

          (b)  Upon the execution of the respective Assignment and Assumption
Agreements, the payment of amounts referred to in clauses (A) and (B) of Section
1.14(a) and, if so requested by the Replacement Lender, delivery to the
Replacement Lender of the appropriate Note or Notes executed by the respective
Borrowers, the Replacement Lender shall become a Lender hereunder and the
Replaced Lender shall cease to constitute a Lender hereunder, except with
respect to indemnification provisions applicable to the Replaced Lender under
this Agreement (including, without limitation, Sections 1.11, 1.12, 2.05, 4.04,
12.01 and 12.06), which shall survive as to such Replaced Lender.

     1.15 Bankers' Acceptance Provisions.  The parties hereto agree that the
          ------------------------------
provisions of Annex III shall apply to all Bankers' Acceptances and Bankers'
Acceptance Loans created hereunder, and that the provisions of Annex III shall
be deemed incorporated by reference into this Agreement as if such provisions
were set forth in their entirety herein.

     1.16 Certain Override Provisions Regarding Utilizations of the Total
          ---------------------------------------------------------------
Canadian Sub-Commitment.
-----------------------

          (a)  Notwithstanding anything to the contrary contained in this
Agreement, the parties hereto agree that (i) the Total Canadian Sub-Commitment
shall be fixed on a quarterly basis at the end of each calendar quarter during
the Canadian Revolver Period in accordance with this Section 1.16, (ii) in no
event shall the Total Canadian Sub-Commitment exceed the least of (w)
$50,000,000, (x) the sum of the Canadian Sub-Commitments of the various Canadian
Lenders as then in effect (after giving effect to any reductions to such
Canadian Sub-Commitments from time to time, including pursuant to Sections 3.02,
3.03, 4.02(e) and/or 9), or (y) the Total Revolving Commitment then in effect,
(iii) in no event shall the Canadian Sub-Commitment for any Canadian Lender
exceed the amount set forth opposite such Canadian Lender's name in Annex I-B
directly below the column entitled "Canadian Sub-Commitment," as the same may be
reduced from time to time pursuant to Sections 3.02, 3.03, 4.02(e) and/or 9 or
as the same may be further adjusted from time to time as a result of assignments
to or from such Lender pursuant to Section 1.14 or 12.04(b), (iv) at no time
shall Workflow be permitted to request an extension of credit pursuant to the
Total Revolving Commitment (whether in the form of Revolving Loans, Swingline
Loans, Competitive Bid Loans or Letter of Credit Outstandings) and no such
credit shall be made available if, after giving effect thereto, the sum of the
aggregate principal amount of outstanding Revolving Loans (excluding for this
purpose Canadian Revolving Loans), Swingline Loans and Competitive Bid Loans and
the amount of Letter of Credit Outstandings at such time would exceed an amount
equal to the Total Revolving Commitment as then in effect less the Total
Canadian Sub-Commitment as then in effect, (v) at no time shall DBF be permitted
to request an extension of credit in the form of Canadian Revolving Loans if,
after giving effect thereto, the aggregate principal (and Face Amount,

                                       18
<PAGE>

as applicable) of outstanding Canadian Revolving Loans (for this purpose, using
the Dollar Equivalent of the principal and/or Face Amount, as appropriate, of
Canadian Revolving Loans) would at any time exceed the Total Canadian Sub-
Commitment; and (vi) the Canadian Sub-Commitment for any Canadian Lender at any
time shall be an amount equal to its pro rata share of the Total Canadian Sub-
Commitment at such time determined on the basis of the Canadian Percentages of
the various Canadian Lenders. At all times from and after the date of this
Agreement until the Canadian Effective Date and an adjustment is made in
accordance with this Section 1.16, the Total Canadian Sub-Commitment shall be
$0.

          (b)  Workflow, not more than 30 days and not less than 5 Business Days
prior to the last day of each calendar quarter ending during the Canadian
Revolver Period, shall, and at any time prior to the Canadian Syndication Date,
may give written notice to the Agent and the Canadian Co-Agent either (x)
requesting an adjustment (subject to the limitations set forth in clause (a) of
this Section 1.16) effective as of the first Business Day of the immediately
following calendar quarter (each such date an "Adjustment Date") to the amount
of the Total Canadian Sub-Commitment; or (y) confirming that there will be no
adjustments to the amount available under the Total Canadian Sub-Commitment,
provided that (i) no reduction to the amount of the Total Canadian Sub-
--------
Commitment on any Adjustment Date may be made if, after giving effect to any
such reduction, the Total Canadian Sub-Commitment would be less than the sum of
the aggregate Face Amount of all Bankers' Acceptance Loans and the principal
amount of all Canadian Prime Rate Loans (for this purpose, using the Dollar
Equivalent of the Face Amounts or principal amounts thereof) then outstanding
(other than any such Canadian Revolving Loans which will be repaid in full on or
before the respective Adjustment Date), (ii) the failure by Workflow to deliver
any such written notice (or the delivery by Workflow of any such notice which
does not comply with the requirements contained in this Section) to the Agent
and the Canadian Co-Agent within the period required above will be deemed to be
delivery by Workflow to the Agent and the Canadian Co-Agent of a written notice
that there will be no adjustment to the Total Canadian Sub-Commitment, (iii) if
Workflow requests any increase in the Total Canadian Sub-Commitment pursuant to
this Section 1.16(b), such an adjustment shall be made only if one or more
Lenders agree to increase their Canadian Sub-Commitments by an aggregate amount
equal to such increase in the Total Canadian Sub-Commitment and one or more
Lenders agree to decrease their Dollar Revolving Sub-Commitments by an amount
equal to the corresponding decrease in the Total Dollar Revolving Sub-Commitment
and (iv) if Workflow requests any decrease in the Total Canadian Sub-Commitment
pursuant to this Section 1.16(b), such an adjustment shall be made only if one
or more Lenders agree to decrease their Canadian Sub-Commitments by an aggregate
amount equal to such decrease in the Total Canadian Sub-Commitment and one or
more Lenders agree to increase their Dollar Revolving Sub-Commitments by an
amount equal to the corresponding increase in the Total Dollar Revolving Sub-
Commitment.  If any adjustment is made on an Adjustment Date as described in
this Section, then (a) on the respective Adjustment Date all repayments required
by this Section and Section 4.02(a) shall be made on such date to the extent
required as a result of such adjustments and in manner provided in Section 4.02
and (b) Annex I-B shall be automatically amended to reflect such adjustments.

          (c)  In connection with any loans and/or repayments made as a result
of adjustments to the Total Canadian Sub-Commitment and the Canadian Sub-
Commitment for any Canadian Lender as requested above, then, so long as
arrangements satisfactory to the Agent and Canadian Co-Agent are made for the
repayment of all amounts which will be due on the respective Adjustment Date as
a result thereof, loans shall be permitted to be requested by the Borrowers as a
result of any change in the amount of the Total Canadian Sub-Commitment on such
date (subject to satisfaction of the other terms and conditions of this
Agreement) so long as arrangements satisfactory

                                       19
<PAGE>

to the Agent and the Canadian Co-Agent are made so that, by the time required by
Section 4.03, all payments will be made by the Borrowers on such Adjustment Date
as a result of any change in the amount of the Total Canadian Sub-Commitment, on
such date. It is understood and agreed that neither the Agent nor the Canadian
Co-Agent shall have any liability to any Lenders if the payments contemplated
above in this Section are not actually made on the Adjustment Date, and that any
failure to make the payments required to be made on an Adjustment Date pursuant
to this Section or Section 4.02(a) shall constitute an Event of Default in
accordance with the terms of Section 9.01.

          (d)  Notwithstanding anything in this Credit Agreement to the
contrary, if any increase to the Total Canadian Sub-Commitment pursuant to this
Section 1.16 is made on or prior to the Canadian Syndication Date, such increase
in the Total Canadian Sub-Commitment (the amount of such increase referred to
herein as the "Adjustment Amount") and the corresponding decrease in the Total
Dollar Revolving Sub-Commitment by the Adjustment Amount shall, unless the Agent
otherwise consents, occur by reducing Fleet's Dollar Revolving Sub-Commitment
and increasing Fleet's or its assignee's Canadian Sub-Commitment by an amount
equal to the Adjustment Amount. Each Lender's Dollar Percentage and Canadian
Percentage shall be automatically adjusted and Annex I shall be automatically
amended to reflect such adjustments to Fleet's Dollar Revolving Sub-Commitment
and Canadian Sub-Commitment.

     1.17 Term Out of Canadian Revolving Loans.
          ------------------------------------

          (a)  Unless terminated earlier pursuant to the provisions of this
Agreement, DBF may request Canadian Revolving Loans during the Canadian Revolver
Period after the Canadian Effective Date.  On the Canadian Term Out Date, no
Lender shall have any further commitment to make Canadian Revolving Loans to
DBF, and the outstanding aggregate principal amount of the Canadian Revolving
Loans shall convert into the Canadian Term Loan in accordance with this Section
1.17.  The "Canadian Term Out Date" shall initially be 364 days after the
Effective Date and may be extended from time to time as set forth below.  DBF
may request in writing from the Canadian Lenders and the Canadian Co-Agent, no
later than ninety (90) days prior to the Canadian Term Out Date then in effect,
a 364-day extension of the Canadian Revolver Period (the date of such request,
the "Extension Request Date"), provided that the Canadian Revolver Period shall
                               --------
in no event extend beyond the Final Maturity Date.  If all of the Canadian
Lenders and the Canadian Co-Agent approve, in their sole discretion, such
request in writing (the Canadian Lenders and the Canadian Co-Agent agreeing to
inform DBF of such approval or refusal to approve no later than sixty (60) days
after the Extension Request Date (the date of such response, the "Response
Date")), then the Canadian Term Out Date shall be deemed to be 364 days after
the Canadian Term Out Date then in effect or such other date as the Canadian
Lenders may agree.  A consent, if any, to the extension of the Canadian Revolver
Period shall be given by the Canadian Lenders and the Canadian Co-Agent no later
than sixty (60) days after the Extension Request Date, provided that if any
                                                       --------
Canadian Lender or the Canadian Co-Agent does not respond to DBF's request on or
prior to sixty (60) days after the Extension Request Date, such Person shall be
deemed to have refused such request to extend the Canadian Revolver Period.

           (b)  Upon the occurrence of the Canadian Term Out Date, subject to
the terms and conditions contained herein, an amount equal to the sum of the
aggregate amount of Canadian Revolving Loans outstanding on such date (the
"Canadian Loan Amount") shall automatically convert into the Canadian Term
Loans, provided that the Canadian Borrower shall, prior to the Canadian Term Out
       --------
Date, repay the Canadian Revolver Loans such that immediately after the

                                       20
<PAGE>

conversion of the Canadian Revolver Loans into the Canadian Term Loan the Dollar
Equivalent of the principal amount (or Face Amount, as the case may be) of the
Canadian Term Loan at such time shall represent no more than 20% of the Dollar
Equivalent of the principal amount (or Face Amount, as the case may be) of all
Loans and Letters of Credit outstanding at such time.  After the Canadian Term
Out Date, (i) the Bankers' Acceptance Loans shall remain outstanding and such
Bankers' Acceptance Loans shall be renewable by DBF during the Canadian Term Out
Period as provided in Annex III, and (ii) the obligations in respect of the
Bankers' Acceptance Loans shall be deemed to be a portion of the Canadian Term
Loans for all purposes hereof.  The portion of the Canadian Term Loans owed to
each Canadian Lender on the Canadian Term Out Date shall be determined in
accordance with the Canadian Lenders' Canadian Percentages immediately prior to
the conversion of the Canadian Revolving Loans to the Canadian Term Loan.

     SECTION 2.  Letters of Credit.
                 -----------------

     2.01 Letters of Credit.
          -----------------

          (a)  Subject to and upon the terms and conditions set forth herein,
Workflow may request the Letter of Credit Issuer at any time and from time to
time on or after the Effective Date and prior to the 30th day prior to the Final
Maturity Date to issue, for the account of Workflow and in support of (x) trade
obligations and other obligations of Workflow or any of its Subsidiaries
incurred in the ordinary course of business and (y) such other obligations of
Workflow or any of its Subsidiaries to any other Person that are reasonably
acceptable to the Agent and the Letter of Credit Issuer, and subject to and upon
the terms and conditions set forth herein, the Letter of Credit Issuer agrees to
issue from time to time, irrevocable letters of credit in such form as may be
approved by the Letter of Credit Issuer and the Agent (each such letter of
credit, a "Letter of Credit" and, collectively, the "Letters of Credit").

          (b)  The Letter of Credit Issuer hereby agrees that it will (subject
to the terms and conditions contained herein), at any time and from time to time
on and after the Effective Date and prior to the 30th day prior to the Final
Maturity Date, following its receipt of the respective Letter of Credit Request,
issue for the account of Workflow, subject to the terms and conditions of this
Agreement, one or more Letters of Credit, provided that the Letter of Credit
                                          --------
Issuer shall be under no obligation to issue any Letter of Credit if at the time
of such issuance:

               (i)  any order, judgment or decree of any governmental authority
     or arbitrator shall purport by its terms to enjoin or restrain the Letter
     of Credit Issuer from issuing such Letter of Credit or any requirement of
     law applicable to the Letter of Credit Issuer or any request or directive
     (whether or not having the force of law) from any governmental authority
     with jurisdiction over the Letter of Credit Issuer shall prohibit, or
     request that the Letter of Credit Issuer refrain from, the issuance of
     letters of credit generally or such Letter of Credit in particular or shall
     impose upon the Letter of Credit Issuer with respect to such Letter of
     Credit any restriction or reserve or capital requirement (for which the
     Letter of Credit Issuer is not otherwise compensated) not in effect on the
     date hereof, or any unreimbursed loss, cost or expense which was not
     applicable, in effect or known to the Letter of Credit Issuer as of the
     date hereof and which the Letter of Credit Issuer reasonably and in good
     faith deems material to it; or

                                       21
<PAGE>

               (ii)  the Letter of Credit Issuer shall have received notice from
     Workflow, any other Credit Party or the Required Lenders prior to the
     issuance of such Letter of Credit of the type described in clause (v) of
     Section 2.01(c).

          (c)  Notwithstanding the foregoing, (i) no Letter of Credit (other
than the OEI Letters of Credit) shall be issued the Stated Amount of which, when
added to the Non-OEI Letter of Credit Outstandings at such time, would exceed
$5,000,000, (ii) the OEI Letter of Credit Outstandings shall at no time exceed
$10,500,000, (iii) no Letter of Credit shall be issued if, after giving effect
thereto, the Aggregate Revolving Credit Exposure would exceed the Total
Revolving Commitment at such time, (iv) each Letter of Credit shall have an
expiry date occurring not later than the earlier of (x) one year (or 180 days in
the case of a trade Letter of Credit) after such Letter of Credit's date of
issuance, provided that any standby Letter of Credit may be automatically
extendible for periods of up to one year so long as such standby Letter of
Credit provides that the Letter of Credit Issuer retains an option, satisfactory
to the Letter of Credit Issuer, to terminate such standby Letter of Credit
within a specified period of time prior to each scheduled extension date and (y)
the fifth Business Day (or the 30th day in the case of trade Letters of Credit)
prior to the Final Maturity Date, (v) each Letter of Credit shall be denominated
in Dollars and issued on a sight basis, and (vi) the Letter of Credit Issuer
will not issue any Letter of Credit after it has received written notice from
Workflow, any other Credit Party or the Required Lenders stating that a Default
or an Event of Default exists until such time as the Letter of Credit Issuer
shall have received a written notice of (x) rescission of such notice from the
party or parties originally delivering same or (y) a waiver of such Default or
Event of Default by the Required Lenders.

          (d)  Notwithstanding the foregoing, in the event a Lender Default
exists, the Letter of Credit Issuer shall not be required to issue any Letter of
Credit unless the Letter of Credit Issuer has entered into arrangements
satisfactory to it and Workflow to eliminate the Letter of Credit Issuer's risk
with respect to the participation in Letters of Credit of any Defaulting Lender
or Lenders, including by cash collateralizing any such Defaulting Lender's or
Lenders' Percentage of the Letter of Credit Outstandings.

     2.02 Letter of Credit Requests; Notices of Issuance.
          ----------------------------------------------

          (a)  Whenever Workflow desires that a Letter of Credit be issued,
Workflow shall give the Agent and the Letter of Credit Issuer written notice
thereof prior to 11:00 A.M. (New York time) at least five Business Days (or such
shorter period as may be acceptable to the Letter of Credit Issuer) prior to the
proposed date of issuance (which shall be a Business Day), which notice shall be
in the form of Exhibit A-2 appropriately completed (each a "Letter of Credit
Request").  Each Letter of Credit Request shall include any other documents as
the Letter of Credit Issuer customarily requires in connection therewith.

          (b)  The making of each Letter of Credit Request shall be deemed to be
a representation and warranty by Workflow that (i) such Letter of Credit may be
issued in accordance with, and will not violate the requirements of, Section
2.01(c) and (ii) all of the applicable conditions set forth in Section 5 shall
be met at the time of such issuance.  Unless the Letter of Credit Issuer has
received notice from Workflow, any other Credit Party or the Required Lenders
before it issues a Letter of Credit that one or more of the conditions specified
in Section 5 are not then satisfied, or that the issuance of such Letter of
Credit would violate Section 2.01(c), then the Letter of Credit Issuer may issue
the requested Letter of Credit for the account of Workflow in accordance with
the Letter of Credit Issuer's usual and customary practices.

                                       22
<PAGE>

          (c)  The Letter of Credit Issuer shall, promptly upon its issuance of
a Letter of Credit, give the Agent and Workflow written notice thereof, in each
case accompanied by a copy to the Agent of the Letter of Credit or Letters of
Credit issued by the Letter of Credit Issuer.

     2.03 Agreement to Repay Letter of Credit Drawings.
          --------------------------------------------

          (a)  Workflow hereby agrees to reimburse the Letter of Credit Issuer,
by making payment to the Agent in Dollars and in immediately available funds at
the appropriate Payment Office, for any payment or disbursement made by the
Letter of Credit Issuer under any Letter of Credit (each such amount so paid or
disbursed until reimbursed, an "Unpaid Drawing") promptly upon but no later than
one Business Day after the Letter of Credit Issuer notifies Workflow that such
payment or disbursement has occurred (provided that no such notice shall be
required to be given if a Default or an Event of Default under Section 9.05
shall have occurred and be continuing, in which case the Unpaid Drawing shall be
due and payable immediately without presentment, demand, protest or notice of
any kind (all of which are hereby waived by Workflow)), with interest on the
amount so paid or disbursed by the Letter of Credit Issuer, to the extent not
reimbursed prior to 12:00 Noon (New York time) on the date of such payment or
disbursement, from and including the date paid or disbursed to but not including
the date the Letter of Credit Issuer is reimbursed therefor at a rate per annum
which shall be the Applicable Base Rate Margin plus the Base Rate, each as in
effect from time to time (plus an additional 2% per annum if not reimbursed by
the third Business Day after the date of such notice of such payment or
disbursement or following the occurrence of a Default or an Event of Default
under Section 9.05), with such interest to be payable on demand.

          (b)  Workflow's obligation under this Section 2.03 to reimburse the
Letter of Credit Issuer with respect to Unpaid Drawings (including, in each
case, interest thereon) shall be absolute and unconditional under any and all
circumstances and irrespective of any setoff, counterclaim or defense to payment
which Workflow or any of its Subsidiaries may have or have had against the
Letter of Credit Issuer, the Agent, any Lender, the beneficiary of any Letter of
Credit or any other Person, including, without limitation, any defense based
upon the failure of any drawing under a Letter of Credit to conform to the terms
of the Letter of Credit or any non-application or misapplication by the
beneficiary of the proceeds of such drawing, provided that Workflow shall not be
obligated to reimburse the Letter of Credit Issuer for any wrongful payment made
by the Letter of Credit Issuer under a Letter of Credit as a result of acts or
omissions constituting willful misconduct or gross negligence on the part of the
Letter of Credit Issuer (as finally determined by a court of competent
jurisdiction).

     2.04 Letter of Credit Participations.
          -------------------------------

          (a)  Immediately upon the issuance by the Letter of Credit Issuer of
any Letter of Credit, the Letter of Credit Issuer shall be deemed to have sold
and transferred to each other Revolver Lender, and each such Revolver Lender
(each a "Participant") shall be deemed irrevocably and unconditionally to have
purchased and received from the Letter of Credit Issuer, without recourse or
warranty, an undivided interest and participation, to the extent of such
Revolver Lender's Dollar Percentage, in such Letter of Credit, each substitute
letter of credit, each drawing made thereunder and the obligations of Workflow
under this Agreement with respect thereto (although Letter of Credit Fees shall
be payable directly to the Agent for the account of the Revolver Lenders as
provided in Section 3.01(b) and the Participants shall have no right to receive
any portion of any Facing Fees) and any security therefor or guaranty pertaining
thereto.  Upon any change in the

                                       23
<PAGE>

Revolving Commitments or Dollar Percentages of the Revolver Lenders pursuant to
this Agreement (or in the circumstances provided in the proviso to the
immediately preceding sentence, upon any change in the Percentages of the
Revolver Lenders pursuant to this Agreement), it is hereby agreed that, with
respect to all outstanding Letters of Credit and Unpaid Drawings, there shall be
an automatic adjustment to the participations pursuant to this Section 2.04 to
reflect the new Dollar Percentages or, in the circumstances described in the
proviso to the immediately preceding sentence, the new Percentages of the
various Revolver Lenders.

          (b)  In determining whether to pay under any Letter of Credit, the
Letter of Credit Issuer shall not have any obligation relative to the
Participants other than to determine that any documents required to be delivered
under such Letter of Credit have been delivered and that they appear to
substantially comply on their face with the requirements of such Letter of
Credit.  Any action taken or omitted to be taken by the Letter of Credit Issuer
under or in connection with any Letter of Credit, if taken or omitted in the
absence of gross negligence or willful misconduct (as finally determined by a
court of competent jurisdiction), shall not create for the Letter of Credit
Issuer any resulting liability to any Person.

          (c)  In the event that the Letter of Credit Issuer makes any payment
under any Letter of Credit and Workflow shall not have reimbursed such amount in
full to the Letter of Credit Issuer pursuant to Section 2.03(a), the Letter of
Credit Issuer shall promptly notify the Agent, and the Agent shall promptly
notify each Participant of such failure, and each Participant shall promptly and
unconditionally pay to the Agent for the account of the Letter of Credit Issuer,
the amount of such Participant's Dollar Percentage of such payment in Dollars
and in same day funds, provided that no Participant shall be obligated to pay to
the Agent its Dollar Percentage of such unreimbursed amount for any wrongful
payment made by the Letter of Credit Issuer under a Letter of Credit as a result
of acts or omissions constituting willful misconduct or gross negligence on the
part of the Letter of Credit Issuer (as finally determined by a court of
competent jurisdiction).  If the Agent so notifies any Participant required to
fund a payment under a Letter of Credit prior to 11:00 A.M. (New York time) on
any Business Day, such Participant shall make available to the Agent for the
account of the Letter of Credit Issuer such Participant's Dollar Percentage of
the amount of such payment on such Business Day in Dollars and in same day
funds.  If and to the extent such Participant shall not have so made its Dollar
Percentage of the amount of such payment available to the Agent for the account
of the Letter of Credit Issuer, such Participant agrees to pay to the Agent for
the account of the Letter of Credit Issuer, forthwith on demand such amount,
together with interest thereon, for each day from such date until the date such
amount is paid to the Agent for the account of the Letter of Credit Issuer at
the Federal Funds Effective Rate.  The failure of any Participant to make
available to the Agent for the account of the Letter of Credit Issuer its Dollar
Percentage of any payment under any Letter of Credit shall not relieve any other
Participant of its obligation hereunder to make available to the Agent for the
account of the Letter of Credit Issuer its Dollar Percentage of any payment
under any Letter of Credit on the date required, as specified above, but no
Participant shall be responsible for the failure of any other Participant to
make available to the Agent for the account of the Letter of Credit Issuer such
other Participant's Dollar Percentage of any such payment.

          (d)  Whenever the Letter of Credit Issuer receives a payment of a
reimbursement obligation as to which the Agent has received for the account of
the Letter of Credit Issuer any payments from the Participants pursuant to
clause (c) above, the Letter of Credit Issuer shall pay to the Agent and the
Agent shall promptly pay to each Participant which has paid its Dollar
Percentage thereof, in Dollars and in same day funds, an amount equal to such
Participant's Dollar Percentage of

                                       24
<PAGE>

the principal amount thereof and interest thereon accruing after the actual
funding of the respective participations.

          (e)  The obligations of the Participants to make payments to the Agent
for the account of the Letter of Credit Issuer with respect to Letters of Credit
shall be irrevocable and not subject to counterclaim, set-off or other defense
or any other qualification or exception whatsoever (except as otherwise
expressly provided in the proviso to the first sentence in Section 2.04(c)) and
shall be made in accordance with the terms and conditions of this Agreement
under all circumstances, including, without limitation, any of the following
circumstances:

               (i)   any lack of validity or enforceability of this Agreement or
     any of the other Credit Documents;

               (ii)  the existence of any claim, set-off, defense or other right
     which Workflow or any of its Subsidiaries may have at any time against a
     beneficiary named in a Letter of Credit, any transferee of any Letter of
     Credit, any Lender or any other Person, whether in connection with this
     Agreement, any Letter of Credit, the transactions contemplated herein or
     any unrelated transactions (including any underlying transaction between
     Workflow or any such Subsidiary and the beneficiary named in any such
     Letter of Credit);

               (iii) any draft, certificate or other document presented under
     the Letter of Credit proving to be forged, fraudulent, invalid or
     insufficient in any respect or any statement therein being untrue or
     inaccurate in any respect;

               (iv)  the surrender or impairment of any security for the
     performance or observance of any of the terms of any of the Credit
     Documents; or

               (v)   the occurrence of any Default or Event of Default.

     2.05 Increased Costs.  If at any time after the date hereof, the adoption,
          ---------------
introduction or effectiveness of any applicable law, rule or regulation, or any
change therein, or any change in the interpretation or administration thereof by
any governmental authority, central bank or comparable agency charged with the
interpretation or administration thereof, or compliance by the Letter of Credit
Issuer or any Participant with any request or directive (whether or not having
the force of law) by any such authority, central bank or comparable agency shall
either (i) impose, modify or make applicable any reserve, deposit, capital
adequacy or similar requirement against Letters of Credit issued by the Letter
of Credit Issuer or such Participant's participation therein, or (ii) impose on
the Letter of Credit Issuer or any Participant any other conditions affecting
this Agreement, any Letter of Credit or such Participant's participation
therein; and the result of any of the foregoing is to increase the cost to the
Letter of Credit Issuer or such Participant of issuing, maintaining or
participating in any Letter of Credit, or to reduce the amount of any sum
received or receivable by the Letter of Credit Issuer or such Participant
hereunder or reduce the rate of return on its capital with respect to Letters of
Credit, then, upon written demand to Workflow by the Letter of Credit Issuer or
such Participant (a copy of which demand shall be sent by the Letter of Credit
Issuer or such Participant to the Agent), Workflow shall pay to the Letter of
Credit Issuer or such Participant such additional amount or amounts as will
compensate the Letter of Credit Issuer or such Participant for such increased
cost or reduction. A certificate submitted to Workflow by the Letter of Credit
Issuer or such Participant, as the case may be (a copy of which certificate
shall be sent by the Letter of Credit

                                       25
<PAGE>

Issuer or such Participant to the Agent), setting forth the basis for the
determination of such additional amount or amounts necessary to compensate the
Letter of Credit Issuer or such Participant as aforesaid shall be final and
conclusive and binding on Workflow absent manifest error, although the failure
to deliver any such certificate shall not release or diminish Workflow's
obligations to pay additional amounts pursuant to this Section 2.05 upon
subsequent receipt of such certificate.

     SECTION 3.  Fees; Adjustments of Commitments.
                 --------------------------------

     3.01 Fees.
          ----

          (a)  (i)  Workflow agrees to pay to the Agent for distribution to each
Non-Defaulting Lender that is a Revolver Lender a facility fee (the "Facility
Fee") for the period from the Effective Date to but not including the date the
Total Revolving Commitment has been terminated, computed for each day at a rate
per annum equal to the Applicable Facility Fee Percentage (as in effect from
time to time) on the full amount of the Revolving Commitment of such Lender.
Accrued Facility Fees shall be due and payable quarterly in arrears on the last
Business Day of each April, July, October and January of each year and the date
upon which the Total Revolving Commitment has been terminated.

          (b)  Workflow agrees to pay to the Agent for distribution to each
Lender (based on its Dollar Percentage), a fee in respect of each Letter of
Credit (the "Letter of Credit Fee") for the period from and including the date
of issuance of such Letter of Credit to and including the date of termination or
expiration of such Letter of Credit, computed for each day at a rate per annum
equal to the Applicable Revolver Eurodollar Margin (as in effect from time to
time) on the daily average Stated Amount of such Letter of Credit.  Accrued
Letter of Credit Fees shall be due and payable quarterly in arrears on the last
Business Day of each April, July, October and January of each year and on the
first day on or after the termination of the Total Revolving Commitment upon
which no Letters of Credit remain outstanding.

          (c)  Workflow agrees to pay directly to the Letter of Credit Issuer
for the account of the Letter of Credit Issuer a fee in respect of each Letter
of Credit (the "Facing Fee") for the period from and including the date of
issuance of such Letter of Credit to and including the date of termination or
expiration of such Letter of Credit, computed for each day at a rate per annum
equal to 1/4 of 1% on the daily average Stated Amount of such Letter of Credit,
provided that in no event shall the annual Facing Fee with respect to any Letter
of Credit be less than $500. Accrued Facing Fees shall be due and payable
quarterly in arrears on the last Business Day of each April, July, October and
January of each year and on the first day on or after the termination of the
Total Revolving Commitment upon which no Letters of Credit remain outstanding.

          (d)  Workflow agrees to pay directly to the Letter of Credit Issuer
upon each issuance of, payment under, and/or amendment of, a Letter of Credit
issued by it such amount as shall at the time of such issuance, payment or
amendment be the administrative charge which the Letter of Credit Issuer is
customarily charging for issuances of, payments under or amendments of
comparable letters of credit issued by it.

          (e)  At the time of the incurrence of each Bankers' Acceptance Loan,
Acceptance Fees shall be paid by the Borrowers as required by, and in accordance
with, clause (g) of Annex III.

                                       26
<PAGE>

          (f)  Each Borrower agrees to pay to the Agent, for its own account,
such other fees as have been agreed to in writing from time to time by such
Borrower and the Agent.

          (g)  All computations of Fees shall be made in accordance with Section
12.07(b).

     3.02 Voluntary Reduction of Revolving Commitments.
          --------------------------------------------

          (a)  Upon at least three Business Days' prior written notice to the
Agent at the Notice Office and the Canadian Co-Agent at  the Canadian Notice
Office (which notice the Agent shall promptly transmit to each of the Lenders),
Workflow shall have the right, without premium or penalty, to terminate or
partially reduce the Unutilized Total Revolving Commitment, provided that any
                                                            --------
partial reduction pursuant to this Section 3.02(a) shall be in the amount of at
least $5,000,000 or any integral multiple of $1,000,000 in excess thereof.  Each
reduction to the Unutilized Total Revolving Commitment pursuant to this Section
3.02(a) shall apply to reduce permanently the Revolving Commitments of the
various Lenders pro rata based on their respective Percentages.  At the time of
                --------
each reduction to the Revolving Commitment of any Lender pursuant to this
Section 3.02(a), Workflow shall specify the amount of such reduction to apply to
the Canadian Sub-Commitment of such Lender and to the Dollar Revolving Sub-
Commitment of such Lender (the sum of which must equal the reduction to the
Revolving Commitment of such Lender); provided that all Lenders with Canadian
Sub-Commitments shall be treated in a consistent fashion (i.e., with no
                                                          ----
reductions, or with proportionate reductions, to their respective Canadian Sub-
Commitments) at the time of any reduction to the Unutilized Total Revolving
Commitment pursuant to this Section 3.02(a).  In the absence of a designation by
Workflow pursuant to this Section 3.02, the amount of any reduction to the
Revolving Commitment of any Lender pursuant to this Section 3.02 shall apply (i)
first, to reduce the Dollar Revolving Sub-Commitment of the respective Lender
and (ii) second, to the extent in excess thereof, to reduce the Canadian Sub-
Commitment of such Lender in each case on a pro rata basis.
                                            --------

          (b)  On any date Workflow may, at its option, permanently reduce or
terminate the Canadian Sub-Commitments by written notice to the Canadian Co-
Agent and the Agent to such effect (specifying the aggregate amount of
reductions to the Canadian Sub-Commitments); provided that (i) no such reduction
shall be made in an amount which would cause the Dollar Equivalent of the then
outstanding aggregate principal amount or Face Amount, as the case may be, of
the Canadian Loans to exceed the Canadian Sub-Commitments of the Canadian
Lenders after giving effect to the respective reduction pursuant to this clause
(b), (ii) each reduction pursuant to this clause (b) shall apply pro rata to
reduce the Canadian Sub-Commitments of the various Canadian Lenders (based upon
the relative amounts of such Canadian Sub-Commitments) and (iii) except to the
extent the reduction to the Canadian Sub-Commitments pursuant to this Section
3.02(b) is accompanied by a like reduction to the amount of the Total Revolving
Commitment pursuant to Section 3.02(a), the amount of each Lender's reduction to
its Canadian Sub-Commitment pursuant to this clause (b) shall result in a like
increase to its Dollar Revolving Sub-Commitment.

     3.03 Mandatory Adjustments of Revolving Commitments and Prepayments of Term
          ----------------------------------------------------------------------
Loans.
------

          (a)  The Total Revolving Commitment shall terminate and the Term Loans
shall be due and payable on the earlier of (i) the date on which a Change of
Control occurs and (ii) the Final Maturity Date.

                                       27
<PAGE>

          (b)  (i)  (x)  On the date of receipt by Workflow and/or any of its
Subsidiaries (other than a Canadian Credit Party) of Cash Proceeds from any
Asset Sale, the Total Revolving Commitment shall be permanently reduced and the
Dollar Term Loans shall be prepaid (such reduction and prepayment to be applied
pro rata to the Total Revolving Commitment and Dollar Term Loans in accordance
--- ----
with the amount of the Total Revolving Commitment and the outstanding Dollar
Term Loans) on such date by an amount equal to the Net Cash Proceeds from such
Asset Sale, and (y) on the date of receipt by any Canadian Credit Party and/or
any of its Subsidiaries of Cash Proceeds from any Asset Sale, the Total Canadian
Sub-Commitment shall be permanently reduced and, if such Cash Proceeds are
received during the Canadian Term Out Period, the Canadian Term Loans shall be
prepaid on such date by an amount equal to the Net Cash Proceeds from such Asset
Sale, and if such Cash Proceeds exceed the Total Canadian Sub-Commitment or the
Canadian Term Loans (as applicable), such excess shall be applied to the Total
Revolving Commitment and the Dollar Term Loans in accordance with clause (x)
above, provided that such reductions shall not be required to the extent that
       --------
Workflow (in the case of clause (x) above) or DBF (in the case of clause (y)
above), elects, as hereinafter provided, to cause such Net Cash Proceeds to be
reinvested in Reinvestment Assets (such election, together with any other
election made pursuant to 3.03(c), a "Reinvestment Election").  Workflow or DBF,
as applicable, may exercise its Reinvestment Election with respect to an Asset
Sale if (x) no Default or Event of Default exists and (y) Workflow or DBF, as
applicable, delivers a Reinvestment Notice to the Agent (and the Canadian Co-
Agent, if such notice is made with respect to Canadian assets) on the date of
the consummation of the respective Asset Sale, with such Reinvestment Election
being effective with respect to the Net Cash Proceeds from such Asset Sale equal
to the Anticipated Reinvestment Amount specified in such Reinvestment Notice.
(ii) On the date of receipt by Workflow and/or any of its Subsidiaries of Cash
Proceeds from the QPO, the Swingline Loans, Dollar Revolving Loans and Dollar
Term Loans shall be prepaid and, if applicable, Competitive Bid Loans and
Letters of Credit shall be cash collateralized on such date by an amount equal
to the Net QPO Proceeds from the QPO (such prepayment and cash collateralization
to be applied (x) pro rata to the prepayment and/or cash collateralization of
                  --- ----
the Swingline Loans, Dollar Revolving Loans, Competitive Bid Loans and Letters
of Credit, on the one hand, and the prepayment of the Dollar Term Loans, on the
other, in accordance with, respectively, the amount of the Aggregate Dollar
Revolving Credit Exposure and the outstanding Dollar Term Loans and (y) to the
prepayment and/or cash collateralization of the Swingline Loans, Dollar
Revolving Loans, Competitive Bid Loans and Letters of Credit in accordance with
the priorities set forth in Section 4.02(a)(iii).

          (c)  (x)  On the Business Day following the date of receipt by
Workflow and/or any of its Subsidiaries (other than a Canadian Credit Party) of
Cash Proceeds from any Recovery Event, the Total Revolving Commitment shall be
permanently reduced and the Dollar Term Loans shall be prepaid (such reduction
and prepayment to be applied pro rata to the Total Revolving Commitment and
                             --- ----
Dollar Term Loans in accordance with the amount of the Total Revolving
Commitment and the outstanding Dollar Term Loans) on such date by an amount
equal to the Net Insurance Proceeds from such Recovery Event, and (y) on the
Business Day following the date of receipt by any Canadian Credit Party of Cash
Proceeds from any Recovery Event, the Total Canadian Sub-Commitment shall be
permanently reduced and, if such Cash Proceeds are received during the Canadian
Term Out Period, the Canadian Term Loans shall be prepaid on such date by an
amount equal to the Net Insurance Proceeds from such Recovery Event and if such
Cash Proceeds exceed the Total Canadian Sub-Commitment or the Canadian Term
Loans (as applicable), such excess shall be applied to the Total Revolving
Commitment and the Dollar Term Loans in accordance with clause (x) above,
provided that such reduction shall not be required to the extent that Workflow
--------
(in the case of clause (x) above) or DBF (in the case of clause (y) above)
elects, as hereinafter provided, to cause

                                       28
<PAGE>

such Net Insurance Proceeds to be reinvested in Reinvestment Assets. Workflow or
DBF, as applicable, may exercise its Reinvestment Election with respect to a
Recovery Event if (x) no Default or Event of Default exists and (y) Workflow or
DBF, as applicable, delivers a Reinvestment Notice to the Agent (and the
Canadian Co-Agent, if such notice is made with respect to Canadian insurance
proceeds) on the Business Day following the date of Workflow's or its respective
Subsidiary's receipt of the proceeds from the respective Recovery Event, with
such Reinvestment Election being effective with respect to the Net Insurance
Proceeds from such Recovery Event equal to the Anticipated Reinvestment Amount
specified in such Reinvestment Notice.

          (d)  The Total Revolving Commitment shall be permanently reduced and
the Dollar Term Loans shall be prepaid (such reduction and prepayment to be
applied pro rata to the Total Revolving Commitment and Dollar Term Loans in
        --- ----
accordance with the amount of the Total Revolving Commitment and the outstanding
Dollar Term Loans) on the Reinvestment Reduction Date with respect to a
Reinvestment Election with respect to Asset Sales made by, or Recovery Events
applicable to Workflow or any of its Subsidiaries other than a Canadian Credit
Party, in an amount equal to the Reinvestment Reduction Amount, if any, with
respect to such Reinvestment Election.  The Total Canadian Sub-Commitment shall
be reduced and, if any are outstanding, the Canadian Term Loans shall be prepaid
on the Reinvestment Reduction Date with respect to a Reinvestment Election with
respect to the Asset Sales made by or Recovery Events applicable to a Canadian
Credit Party, in an amount equal to the Reinvestment Reduction Amount, if any,
with respect to such Reinvestment Election and if such Reinvestment Reduction
Amount exceeds the Total Canadian Sub-Commitment or the Canadian Term Loans (as
applicable), such excess shall be applied to the Total Revolving Commitment and
the Dollar Term Loans in accordance with the first sentence of this clause (d).

          (e)  (x)  On the date of receipt by Workflow and/or any of its
Subsidiaries (other than a Canadian Credit Party) of cash proceeds from the
incurrence of Indebtedness for borrowed money by Workflow and/or any of its
Subsidiaries (other than by a Canadian Credit Party and other than Indebtedness
permitted by Section 8.04), the Total Revolving Commitment shall be permanently
reduced and the Dollar Term Loans shall be prepaid (such reduction and
prepayment to be applied pro rata to the Total Revolving Commitment and Dollar
                         --- ----
Term Loans in accordance with the amount of the Total Revolving Commitment and
the outstanding Dollar Term Loans) on such date by an amount equal to the cash
proceeds from such incurrence of Indebtedness (net of underwriting discounts and
commissions and other reasonable costs associated therewith), provided, however,
                                                              --------  -------
that on the date of receipt by Workflow and/or any of its Subsidiaries (other
than a Canadian Credit Party) of cash proceeds incurred in respect of
Subordinated Indebtedness such proceeds shall be applied to prepay permanently
the Term Loans (and not to reduce the Total Revolving Commitment) on such date
by an amount equal to the cash proceeds from such incurrence of Indebtedness
(net of underwriting discounts and commissions and other reasonable costs
associated therewith). (y) On the date of receipt by a Canadian Credit Party of
cash proceeds from the incurrence of Indebtedness for borrowed money by a
Canadian Credit Party (other than Indebtedness permitted by Section 8.04), the
Total Canadian Sub-Commitment shall be permanently reduced and, if any are
outstanding, the Canadian Term Loans shall be prepaid on such date by an amount
equal to the cash proceeds from such incurrence of Indebtedness (net of
underwriting discounts and commissions and other reasonable costs associated
therewith) and if such cash proceeds exceed the Total Canadian Sub-Commitment or
the Canadian Term Loans (as applicable), such excess shall be applied to the
Total Revolving Commitment and the Dollar Term Loans in accordance with clause
(x) above, provided, however, that on the date of receipt by a Canadian Credit
           --------  -------
Party of cash proceeds incurred in respect of Subordinated Indebtedness such
proceeds shall

                                       29
<PAGE>

be applied to prepay permanently the Canadian Term Loans if any are then
outstanding (but, if no Canadian Term Loans are then outstanding, such amounts
shall not be used to reduce the Total Canadian Sub-Commitment) on such date by
an amount equal to the cash proceeds from such incurrence of Indebtedness (net
of underwriting discounts and commissions and other reasonable costs associated
therewith).

          (f)  Each reduction of the Total Revolving Commitment pursuant to this
Section 3.03 shall apply to proportionally and permanently reduce the Revolving
Commitment of each Lender. Each reduction of the Total Canadian Sub-Commitment
pursuant to this Section 3.03 shall apply to proportionally and permanently
reduce the Canadian Sub-Commitment of each Canadian Lender. At the time of each
reduction to the Revolving Commitment of any Lender pursuant to this Section
3.03, such amounts shall apply first to the Dollar Revolving Sub-Commitment of
such Lender; provided that all Lenders with Dollar Revolving Sub-Commitments
shall be treated in a consistent fashion (i.e., with proportionate reductions to
their respective Dollar Revolving Sub-Commitments) at the time of any reduction
to the Total Revolving Commitment pursuant to this Section 3.03. Each prepayment
of the Dollar Term Loans or Canadian Term Loans pursuant to this Section 3.03
shall apply proportionally to the Dollar Term Loans and Canadian Term Loans of
each Lender in accordance with their Dollar Term Loan Percentages or Canadian
Percentages, as applicable.

     SECTION 4.  Payments.
                 --------

     4.01 Voluntary Prepayments.  Each Borrower shall have the right to prepay
          ---------------------
the Loans made to it, in whole or in part, without premium or penalty, from time
to time on the following terms and conditions:

               (i)    such Borrower shall give the Agent at the Notice Office
     (and the Canadian Co-Agent at the Canadian Notice Office in the case of
     Canadian Loans) written notice (or telephonic notice promptly confirmed in
     writing) of its intent to prepay the Loans, whether Dollar Revolving Loans,
     Canadian Loans, Term Loans or Swingline Loans shall be prepaid, the amount
     of such prepayment and the Types of Loans to be prepaid and (in the case of
     Eurodollar Loans) the specific Borrowing(s) pursuant to which made, which
     notice shall be given by the respective Borrower prior to 12:00 Noon (New
     York time) at least three Business Days (or, in the case of Base Rate Loans
     or Canadian Prime Rate Loans, at least one Business Day) prior to the date
     of such prepayment, which notice shall, except in the case of Swingline
     Loans, promptly be transmitted by the Agent to each of the Lenders;

               (ii)   each prepayment shall be in an aggregate principal amount
     of at least $500,000 (or (x) Cdn. $250,000 in the case of Canadian Prime
     Rate Loans or (y) $250,000 in the case of Swingline Loans), provided that
     no partial prepayment of Eurodollar Loans made pursuant to a Borrowing
     shall reduce the aggregate principal amount of the Eurodollar Loans
     outstanding pursuant to such Borrowing to an amount less than the Minimum
     Borrowing Amount applicable thereto;

               (iii)  each prepayment in respect of any Revolving Loans or
     Canadian Term Loans made pursuant to a Borrowing shall be applied pro rata
     among all Revolving Loans and Canadian Term Loans;

                                       30
<PAGE>

               (iv)   prepayments of Bankers' Acceptance Loans may not be made
     prior to the maturity date of the respective Bankers' Acceptances;

               (v)    no Competitive Bid Loan may be prepaid without the consent
     of the Lender that made such Competitive Bid Loan;

               (vi)   each partial prepayment of the Dollar Term Loans shall be
     allocated among the Dollar Term Lenders, in proportion, as nearly as
     practicable, to the respective outstanding amount of each Dollar Term
     Lender's Dollar Term Loan Percentages, with adjustments to the extent
     practicable to equalize any prior prepayments not exactly in proportion;
     and

               (vii)  any prepayment of principal of the Term Loans shall
     include all interest accrued to the date of prepayment and shall be applied
     against the scheduled installments of principal due on the Term Loans in
     the inverse order of maturity.

     4.02 Prepayments of Loans to reflect Revolving Commitments, Canadian Sub-
          -------------------------------------------------------------------
Commitments and Sublimits; Scheduled Payments of Term Loans; Etc.
----------------------------------------------------------------

          (a)  (i)    If on any day the Aggregate Revolving Credit Exposure
exceeds the Total Revolving Commitment as then in effect, Workflow shall prepay
on such day the principal of outstanding Swingline Loans and, after all
Swingline Loans have been prepaid in full or if no Swingline Loans are
outstanding, the Borrowers shall prepay on such day the principal of outstanding
Revolving Loans and Canadian Term Loans (other than Bankers' Acceptance Loans
where the underlying Bankers Acceptances have not yet matured) (allocated
between Dollar Revolving Loans, on the one hand, and Canadian Revolving Loans or
Canadian Term Loans, on the other, as the Borrowers may elect) in an amount (for
this purpose, using the Dollar Equivalent of payments in Canadian Dollars made
with respect to Canadian Loans) equal to such excess.  If, after giving effect
to the prepayment of all outstanding Swingline Loans, Revolving Loans and
Canadian Term Loans (other than Bankers' Acceptance Loans as referenced in the
immediately preceding sentence), the sum of the outstanding Bankers' Acceptance
Loans (for this purpose, using the Dollar Equivalent of the Face Amounts
thereof), Competitive Bid Loans and Letter of Credit Outstandings exceeds the
Total Revolving Commitment then in effect, (i) an amount of cash and/or Cash
Equivalents equal to the lesser of such excess and the then outstanding Face
Amount of all Bankers' Acceptances shall be deposited by DBF with the Canadian
Co-Agent as collateral for the obligations of DBF to the Canadian Lenders
(rounded up to the nearest integral multiple of Cdn. $100,000) in respect of an
equivalent Face Amount of outstanding Bankers' Acceptances accepted by the
Canadian Lenders which shall be paid to and applied by the Canadian Lenders, in
satisfaction of the obligations of DBF to the Canadian Lenders in respect of
such Banker's Acceptances, on the maturity date thereof, (ii) to the extent such
excess exceeds the amount applied pursuant to preceding clause (i), cash and/or
Cash Equivalents in an amount equal to such remaining excess or, if less, an
amount equal to the then outstanding principal amount of Competitive Bid Loans
shall be paid by Workflow to the Agent to be held as collateral for the
repayment of such Competitive Bid Loans at maturity and (iii) to the extent such
excess exceeds the amount applied pursuant to preceding clauses (i) and (ii),
Workflow shall pay to the Agent cash and/or Cash Equivalents in an amount equal
to the amount of such excess (less the amount applied pursuant to preceding
clauses (i) and (ii)) (up to a maximum amount equal to the Letter of Credit
Outstandings at such time), such cash and/or Cash Equivalents to be held as
security for all obligations of Workflow hereunder and under the other Credit

                                       31
<PAGE>

Documents in a cash collateral account (and invested from time to time in Cash
Equivalents selected by the Agent) to be established by the Agent.

               (ii)   If on any day the Dollar Equivalent of the aggregate
outstanding principal amount (or Face Amount, as the case may be) of Canadian
Loans made to DBF exceeds the lesser of the Total Canadian Sub-Commitment and
the Canadian EBITDA Sublimit as then in effect, DBF agrees to prepay on such day
principal of outstanding Canadian Loans (other than Bankers' Acceptance Loans
where the underlying Bankers' Acceptances have not yet matured) in an amount
equal to such excess over the lesser of the Total Canadian Sub-Commitment and
the Canadian EBITDA Sublimit. If, after giving effect to the prepayment in full
of all such outstanding Canadian Loans other than the Bankers' Acceptance Loans
referenced in the immediately preceding sentence, the aggregate outstanding Face
Amount of Bankers' Acceptance Loans exceeds the lesser of the Total Canadian
Sub-Commitment and the Canadian EBITDA Sublimit as then in effect, DBF agrees to
pay to the Canadian Co-Agent on such day an amount of cash and/or Cash
Equivalents equal to the amount of such excess over the lesser of the Total
Canadian Sub-Commitment and the Canadian EBITDA Sublimit (rounded up to the
nearest integral multiple of Cdn. $100,000), such cash and/or Cash Equivalents
to be held as cash collateral for the obligations of DBF to the Canadian Lenders
in respect of an equivalent Face Amount of outstanding Bankers' Acceptances
accepted by the Canadian Lenders which shall be paid to and applied by the
Canadian Lenders, in satisfaction of the obligations of the Borrowers to the
Canadian Lenders in respect of such Bankers' Acceptances, on the maturity date
thereof.

               (iii)  If on any day the aggregate outstanding principal amount
of Dollar Revolving Loans, Competitive Bid Loans and Swingline Loans made to
Workflow and the aggregate amount of all Letter of Credit Outstandings at such
time exceeds an amount equal to the Total Dollar Revolving Sub-Commitment as
then in effect, Workflow shall prepay on such day the principal of outstanding
Swingline Loans and, after all Swingline Loans have been repaid in full or ii no
Swingline Loans are outstanding, principal of outstanding Dollar Revolving Loans
in an amount equal to such excess. If, after giving effect to the prepayment of
all such outstanding Swingline Loans and Dollar Revolving Loans, the sum of the
outstanding Competitive Bid Loans and Letter of Credit Outstandings exceeds the
Total Dollar Revolving Sub-Commitment as then in effect, (i) an amount of cash
and/or Cash Equivalents equal to such excess shall be deposited by Workflow with
the Agent as Collateral for the obligations of Workflow in respect of
outstanding Competitive Bid Loans and shall be applied to the repayment of such
Competitive Bid Loans at maturity and (ii) to the extent such excess exceeds the
amount applied pursuant to preceding clause (i), Workflow shall pay to the Agent
cash and/or Cash Equivalents in an amount equal to the amount of such excess
(less the amount applied pursuant to preceding clause (i)) (up to a maximum
amount equal to the Letter of Credit Outstandings at such time), such cash
and/or Cash Equivalents to be held as security for all obligations of Workflow
hereunder and under the other Credit Documents in a cash collateral account (and
invested from time to time in Cash Equivalents selected by the Agent) to be
established by the Agent.

               (iv)   In the event that any Borrower is required pursuant to the
other provisions of this Section 4.02 to deliver any cash and/or Cash
Equivalents to the Agent or the Canadian Co-Agent to be held as security for the
Obligations of such Borrower hereunder and under the other Credit Documents, the
Agent (or the Canadian Co-Agent, if applicable) shall, at the request of such
Borrower and so long as no Default or Event of Default then exists, release to
such Borrower from time to time any investment earnings on such cash and/or Cash
Equivalents so long as the

                                       32
<PAGE>

principal amount and/or Face Amount, as the case may be, of the underlying
Obligations remain fully collateralized at all times.

          (b)  With respect to each prepayment of Loans required by this Section
4.02, the respective Borrower may designate the Types of Loans which are to be
repaid and, in the case of Eurodollar Loans and Bankers' Acceptances Loans, the
specific Borrowing(s) pursuant to which such Loans were made, provided that (i)
if any prepayment of Eurodollar Loans made pursuant to a single Borrowing shall
reduce the outstanding Eurodollar Loans made pursuant to such Borrowing to an
amount less than the Minimum Borrowing Amount applicable thereto, such Borrowing
shall be immediately converted into Base Rate Loans, (ii) no prepayment of
Bankers' Acceptance Loans may be made prior to the maturity date of the related
Bankers' Acceptances and (iii) each prepayment of any Loans made pursuant to a
Borrowing shall be applied pro rata among such Loans.
                           --------

          (c)  Workflow promises to pay to the Agent for the account of the
Dollar Term Lenders the principal amount of the Dollar Term Loans in twelve (12)
consecutive quarterly payments of $250,000 each, such installments to be due and
payable on the last Business Day of each April, July, October and January,
commencing on April 30, 2001, with an additional final payment on the Final
Maturity Date in the amount equal to the unpaid balance of the Dollar Term
Loans. DBF promises to pay to the Canadian Co-Agent for the account of the
Canadian Lenders the principal amount of the Canadian Term Loans in equal
consecutive quarterly payments, such installments to be due and payable on the
last Business Day of each April, July, October and January commencing on the
first such Business Day subsequent to the Canadian Term Out Date, each such
payment to be in such an amount that the number of such payments multiplied by
the amount of each such payment equals the aggregate amount of the outstanding
Canadian Term Loans on the Canadian Term Out Date, with an additional final
payment on the Final Maturity Date in the amount equal to any unpaid balance of
the Canadian Term Loans.

          (d)  Notwithstanding anything to the contrary contained in this
Agreement, (i) all then outstanding Swingline Loans shall be repaid in full on
the Swingline Expiry Date, (ii) all then outstanding Competitive Bid Loans shall
be repaid in full on the respective Competitive Bid Loan Maturity Date, (iii)
all then outstanding Revolving Loans and Term Loans shall be repaid in full on
the Final Maturity Date and (iv) all then outstanding Loans shall be repaid in
full on the date on which a Change of Control occurs.

          (e)  Upon any repayment or prepayment of the Dollar Term Loans
pursuant to this Agreement, the Dollar Term Loan Commitments shall be reduced by
an amount equal to such repayment or prepayment, provided that any such
prepayments, repayments and reductions shall be allocated among the Dollar Term
Lenders, in proportion, as nearly as practicable, to each Dollar Term Lender's
Dollar Term Loan Percentages, with adjustments to the extent practicable to
equalize any prior repayments, prepayments or reductions not exactly in
proportion. Upon any repayment or prepayment of the Canadian Term Loans pursuant
to this Agreement, the Canadian Sub-Commitments shall be reduced by an amount
equal to such repayment or prepayment, provided that any such prepayments,
repayments and reductions shall be allocated among the Canadian Lenders, in
proportion, as nearly as practicable, to each Canadian Lender's Canadian
Percentage, with adjustments to the extent practicable to equalize any prior
repayments, prepayments or reductions not exactly in proportion.

          (f)  Each of the Borrowers hereby promise to make all payments
required to be made by it under this Section 4.02 as and when required
hereunder.

                                       33
<PAGE>

     4.03 Method and Place of Payment.  Except as otherwise specifically
          ---------------------------
provided herein, all payments under this Agreement or under any Note shall be
made to the Agent (or to the Canadian Co-Agent, as set forth in clause (y)
below) for the ratable account of the Lenders entitled thereto, not later than
12:00 Noon (local time in the city in which the Payment Office for the
respective payments is located) on the date when due and shall be made in (x)
Dollars in immediately available funds at the appropriate Payment Office of the
Agent in respect of any obligation of the Borrowers under this Agreement and (y)
Canadian Dollars in immediately available funds at the appropriate Payment
Office of the Canadian Co-Agent, if such payment is made in respect of (i)
principal of, the Face Amount of or interest on Canadian Loans, or (ii) any
increased costs, indemnities or other amounts owing with respect to Canadian
Loans, in the case of this clause (ii) to the extent the respective Lender which
is charging same denominates the amounts owing in Canadian Dollars.  Any
payments under this Agreement which are made later than 12:00 Noon (local time
in the city in which such payments are to be made) on any Business Day shall be
deemed to have been made on the next succeeding Business Day.  Whenever any
payment to be made hereunder shall be stated to be due on a day which is not a
Business Day, the due date thereof shall be extended to the next succeeding
Business Day and, with respect to payments of principal, interest shall be
payable during such extension at the applicable rate in effect immediately prior
to such extension.

     4.04 Net Payments.
          ------------

          (a) All payments made by any Borrower hereunder or under any Note will
be made without setoff, counterclaim or other defense.  Except as provided in
Section 4.04(b), all such payments will be made free and clear of, and without
deduction or withholding for, any present or future taxes, levies, imposts,
duties, fees, assessments or other charges of whatever nature now or hereafter
imposed by any jurisdiction or by any political subdivision or taxing authority
thereof or therein with respect to such payments (but excluding, except as
provided in the second succeeding sentence, any tax imposed on or measured by
the net income or net profits of a Lender pursuant to the laws of the
jurisdiction in which it is organized or the jurisdiction in which the principal
office or applicable lending office of such Lender is located or any subdivision
thereof or therein) and all interest, penalties or similar liabilities with
respect to such non-excluded taxes, levies, imposts, duties, fees, assessments
or other charges (all such non-excluded taxes, levies, imposts, duties, fees,
assessments or other charges being referred to collectively as "Taxes").  If any
Taxes are so levied or imposed, the respective Borrower agrees to pay the full
amount of such Taxes, and such additional amounts as may be necessary so that
every payment of all amounts due under this Agreement or under any Note, after
withholding or deduction for or on account of any Taxes, will not be less than
the amount provided for herein or in such Note.  If any amounts are payable in
respect of Taxes pursuant to the preceding sentence, the respective Borrower
agrees to reimburse each Lender, upon the written request of such Lender, for
taxes imposed on or measured by the net income or net profits of such Lender
pursuant to the laws of the jurisdiction in which such Lender is organized or in
which the principal office or applicable lending office of such Lender is
located or under the laws of any political subdivision or taxing authority of
any such jurisdiction in which such Lender is organized or in which the
principal office or applicable lending office of such Lender is located and for
any withholding of taxes as such Lender shall determine are payable by, or
withheld from, such Lender, in each case in respect of such amounts so paid to
or on behalf of such Lender pursuant to the preceding sentence and in respect of
any amounts paid to or on behalf of such Lender pursuant to this sentence.  The
respective Borrower will furnish to the Agent within 30 days after the date the
payment of any Taxes is due pursuant to applicable law certified copies of tax
receipts evidencing such payment by such Borrower.  Each Borrower agrees to
indemnify and hold harmless each

                                       34
<PAGE>

Lender, and reimburse such Lender upon its written request, for the amount of
any Taxes so levied or imposed and paid by such Lender.

          (b)  Each Lender that is not a United States person (as such term is
defined in Section 7701(a)(30) of the Code) for United States federal income tax
purposes (other than a Canadian Lender in its capacity solely as a lender to
DBF) agrees to deliver to Workflow and the Agent on or prior to the Effective
Date, or in the case of a Lender that is an assignee or transferee of an
interest under this Agreement pursuant to Section 12.04 (unless the respective
Lender was already a Lender hereunder immediately prior to such assignment or
transfer), on the date of such assignment or transfer to such Lender, (i) two
accurate and complete original signed copies of Internal Revenue Service Form
4224 or 1001 (or successor forms) certifying to such Lender's entitlement (as of
such date) to a complete exemption from United States withholding tax with
respect to payments to be made under this Agreement and under any Note, or (ii)
if the Lender is not a "bank" within the meaning of Section 881(c)(3)(A) of the
Code and cannot deliver either Internal Revenue Service Form 1001 or 4224 (or
successor forms) pursuant to clause (i) above, (x) a certificate substantially
in the form of Exhibit D (any such certificate, a "Section 4.04(b)(ii)
Certificate") and (y) two accurate and complete original signed copies of
Internal Revenue Service Form W-8 (or successor form) certifying to such
Lender's entitlement to a complete exemption from United States withholding tax
with respect to payments of interest to be made under this Agreement and under
any Note.  In addition, each Lender (other than a Canadian Lender in its
capacity solely as a lender to DBF) agrees that from time to time after the
Effective Date, when a lapse in time or change in circumstances renders the
previous certification obsolete or inaccurate in any material respect, it will
deliver to Workflow and the Agent two new accurate and complete original signed
copies of Internal Revenue Service Form 4224 or 1001 (or successor forms), or
Form W-8 (or successor form) and a Section 4.04(b)(ii) Certificate, as the case
may be, and such other forms as may be required in order to confirm or establish
the entitlement of such Lender to a continued exemption from or reduction in
United States withholding tax with respect to payments under this Agreement and
any Note, or it shall immediately notify Workflow and the Agent of its inability
to deliver any such Form or Certificate in which case such Lender shall not be
required to deliver any such Form or Certificate pursuant to this Section
4.04(b).  Notwithstanding anything to the contrary contained in Section 4.04(x),
but subject to Section 12.04(b) and the immediately succeeding sentence, (x)
Workflow shall be entitled, to the extent it is required to do so by law, to
deduct or withhold income or similar taxes imposed by the United States (or any
political subdivision or taxing authority thereof or therein) from interest,
Fees or other amounts payable hereunder for the account of any Lender which is
not a United States person (as such term is defined in Section 7701(a)(30) of
the Code) for United States federal income tax purposes to the extent that such
Lender has not provided to Workflow United States Internal Revenue Service Forms
that establish a complete exemption from such deduction or withholding and (y)
Workflow shall not be obligated pursuant to Section 4.04(a) hereof to gross-up
payments to be made to a Lender in respect of income or similar taxes imposed by
the United States if (I) such Lender is not a United States person (defined as
provided above) and has not provided to Workflow the Internal Revenue Service
Forms provided for in the foregoing provisions of this Section 4.04(b) or (II)
in the case of a payment, other than interest, to a Lender described in clause
(ii) above, to the extent that ouch Forms do not establish a complete exemption
from withholding of such taxes.  Notwithstanding anything to the contrary
contained in the preceding sentence or elsewhere in this Section 4.04 and except
as set forth in Section 12.04(b), Workflow agrees to pay any additional amounts
and to indemnify each Lender in the manner set forth in Section 4.04(a) (without
regard to the identity of the jurisdiction requiring the deduction or
withholding) in respect of any Taxes deducted or withheld by it as described in
the immediately preceding sentence as a result of any changes after the
Effective Date in any applicable law, treaty, governmental rule, regulation,

                                       35
<PAGE>

guideline or order, or in the interpretation thereof, relating to the deducting
or withholding of such Taxes.

          (c)  Notwithstanding anything to the contrary contained in this
Section 4.04, unless a Lender gives notice to the applicable Borrower that such
Borrower is obligated to pay any amount under this Section 4.04 within one year
after the later of (i) the date such Lender incurs the respective Taxes or (ii)
the date such Lender has actual knowledge of its incurrence of the respective
Taxes, then such Lender shall only be entitled to be compensated for such amount
by such Borrower pursuant to this Section 4.04 to the extent such Taxes are
incurred or suffered on or after the date which occurs one year prior to the
date that such Lender gives notice to such Borrower that such Borrower is
obligated to pay the respective amounts pursuant to this Section 4.04. This
Section 4.04(c) shall have no applicability to any Section of this Agreement
other than this Section 4.04.

     SECTION 5.  Conditions Precedent.  The obligation of each Lender to make
                 --------------------
each Loan and the obligation of the Letter of Credit Issuer to issue each Letter
of Credit hereunder are subject, at the time of each such Credit Event (except
as otherwise hereinafter indicated), to the satisfaction of the following
conditions (provided, that any conditions listed below as being necessary to be
            --------
satisfied on or prior to the Canadian Effective Date shall be conditions to the
occurrence of the Canadian Effective Date and the making of any Canadian Loans
and shall not be considered to be conditions to any other Credit Event):

     5.01 Execution of Agreement.  On or prior to the Effective Date, this
          ----------------------
Agreement shall have been executed and delivered in accordance with Section
12.10.

     5.02 Notes.  On the Effective Date, there shall have been delivered to the
          -----
Agent for the account of each Lender that has requested the same the appropriate
Note or Notes executed by Workflow in the amount, maturity and as otherwise
provided herein. On the Canadian Effective Date, there shall have been delivered
to the Canadian Co-Agent for the account of each Canadian Lender that has
requested the same the appropriate Note or Notes executed by DBF in the amount,
maturity and as otherwise provided herein.

     5.03 No Default; Representations and Warranties.  At the time of each
          ------------------------------------------
Credit Event and also after giving effect thereto (i) there shall exist no
Default or Event of Default and (ii) all representations and warranties
contained herein and in the other Credit Documents shall be true and correct in
all material respects with the same effect as though such representations and
warranties had been made on and as of the date of such Credit Event, unless
stated to relate to a specific earlier date, in which case such representations
and warranties shall be true and correct in all material respects as of such
earlier date.

     5.04 Officer's Certificate.  On the Effective Date, the Agent shall have
          ---------------------
received a certificate dated such date signed by the president, any vice-
president or any Authorized Financial Officer of Workflow stating that all of
the applicable conditions set forth in Sections 5.03, 5.07, 5.08 and 5.09 exist
as of such date. On the Canadian Effective Date, the Agent and the Canadian Co-
Agent shall have received a certificate dated such date signed by the president,
any vice-president or any Authorized Financial Officer of Workflow stating that
all of the applicable conditions set forth in Sections 5.03, 5.08 and 5.09 exist
as of such date.

     5.05 Opinions of Counsel and other Experts.  On the Effective Date, the
          -------------------------------------
Agent shall have received from Kaufman & Canoles, special United States counsel
to the Credit Parties, an opinion

                                       36
<PAGE>

addressed to the Agent, the Syndication Agent and the Collateral Agent
(collectively the "Agent Group") and each of the Lenders and dated the Effective
Date in the form of and as to the matters set forth in Exhibit E-1, and (ii)
from local and other counsel to the Credit Parties reasonably satisfactory to
the Agent, opinions each of which shall be addressed to the Agent Group and each
of the Lenders and dated the Effective Date and shall cover such matters
incident to the transactions contemplated herein and in the other Credit
Documents (including, without limitation, the perfection of the security
interests granted pursuant to the Security Documents) as the Agent may
reasonably request and shall be in form and substance reasonably satisfactory to
the Agent. On or prior to the Canadian Effective Date, the Agent and the
Canadian Co-Agent shall have received from Goodman, Phillips & Vineberg, special
Canadian counsel to the Credit Parties, a corporate and real property title
opinion addressed to the Agent Group and each of the Lenders and dated the
Canadian Effective Date in the form of and as to the matters set forth in
Exhibit E-2

     5.06 Corporate Proceedings.
          ---------------------

          (a)  On the Effective Date, the Agent shall have received from each
U.S. Credit Party a certificate, dated the Effective Date, signed by the
president or any vice-president of such Credit Party, and attested to by the
secretary or any assistant secretary of such U.S. Credit Party, in the form of
Exhibit F with appropriate insertions, together with certified copies of the
certificate or articles of incorporation and by-laws, or equivalent
organizational documents, of such U.S. Credit Party, the resolutions of such
U.S. Credit Party referred to in such certificate and each of the other
documents referred to in such certificate and all of the foregoing shall be in
form and substance reasonably satisfactory to the Agent. On the Canadian
Effective Date, the Agent and the Canadian Co-Agent shall have received from
each Canadian Credit Party a certificate, dated the Canadian Effective Date,
signed by the president or any vice-president of such Canadian Credit Party, and
attested to by the secretary or any assistant secretary of such Canadian Credit
Party, in the form of Exhibit F with appropriate insertions, together with
certified copies of the certificate or articles of incorporation and by-laws, or
equivalent organizational documents, of such Canadian Credit Party, the
resolutions of such Canadian Credit Party referred to in such certificate and
each of the other documents referred to in such certificate and all of the
foregoing shall be in form and substance reasonably satisfactory to the Agent
and the Canadian Co-Agent.

          (b)  On the Effective Date, all corporate, limited liability company
and legal proceedings and all instruments and agreements in connection with the
transactions contemplated by this Agreement and the other Credit Documents shall
be reasonably satisfactory in form and substance to the Agent, and the Agent
shall have received all information and copies of all certificates, documents
and papers, including good standing certificates, bring-down certificates and
any other records of corporate proceedings and governmental approvals, if any,
which the Agent reasonably may have requested in connection therewith, such
documents and papers, where appropriate, to be certified by proper corporate or
governmental authorities. On the Canadian Effective Date, the Agent and Canadian
Co-Agent shall have received all information and copies of all certificates,
documents and papers, including good standing certificates, bring-down
certificates and any other records of corporate proceedings and governmental
approvals, if any, which the Agent or the Canadian Co-Agent reasonably may have
requested in connection therewith, such documents and papers, where appropriate,
to be certified by proper corporate or governmental authorities.

          (c)  On the Effective Date, the corporate, ownership and capital
structure of Workflow and its Subsidiaries (including, without limitation, the
terms of any capital stock, options,

                                       37
<PAGE>

warrants or other securities issued by Workflow or any of its Subsidiaries)
shall be in form and substance reasonably satisfactory to the Agent and the
Required Lenders.

     5.07 Leverage Ratio.  After giving effect to all Borrowings and other
          --------------
extensions of credit and payments made pursuant to this Agreement and all other
transactions, agreements and payments occurring in connection or simultaneously
with the Transaction, the Leverage Ratio of Workflow shall not be greater than
3.25:1.00 on the Effective Date.

     5.08 Adverse Change; Approvals.
          -------------------------

          (a)  On the Effective Date, nothing shall have occurred (and neither
the Required Lenders nor the Agent shall have become aware of any facts or
conditions not previously known) which the Required Lenders or the Agent shall
determine has had, or could reasonably be expected to have, a Material Adverse
Effect. On the Canadian Effective Date, nothing shall have occurred (and neither
the Canadian Co-Agent nor the Agent shall have become aware of any facts or
conditions not previously known) which the Canadian Co-Agent or the Agent shall
determine has had, or could reasonably be expected to have, a Material Adverse
Effect.

          (b)  On or prior to the Effective Date and the Canadian Effective
Date, all necessary governmental (domestic and foreign) and third party
approvals and/or consents in connection with the Transaction and the other
transactions contemplated by the Credit Documents and otherwise referred to
herein or therein shall have been obtained and remain in effect, and all
applicable waiting periods with respect thereto shall have expired without any
action being taken by any competent authority which restrains, prevents or
imposes materially adverse conditions upon, the consummation of the Transaction
or the other transactions contemplated by the Credit Documents or otherwise
referred to herein or therein. Additionally, there shall not exist any judgment,
order, injunction or other restraint issued or filed or a hearing seeking
injunctive relief or other restraint pending or notified prohibiting or imposing
materially adverse conditions upon the Transaction or the other transactions
contemplated by the Credit Documents.

     5.09 Litigation.  On the Effective Date, there shall be no actions, suits
          ----------
or proceedings pending or threatened (x) with respect to the Transaction, this
Agreement or any other Document or (y) which the Agent or the Required Lenders
shall determine has, or could reasonably be expected to have, a Material Adverse
Effect.

     5.10 Guaranties.
          ----------

          (a)  On the Effective Date, each U.S. Subsidiary Guarantor shall have;
duly authorized, executed and delivered an amended and restated Guaranty (in the
form of Exhibit G-1 hereto) (such Guaranty, as modified, amended or supplemented
from time to time in accordance with the terms hereof and thereof, the "U.S.
Subsidiaries Guaranty"), and the U.S. Subsidiaries Guaranty shall be in full
force and effect.

          (b)  On the Canadian Effective Date, (i) Workflow and each U.S.
Subsidiary Guarantor shall have duly authorized, executed and delivered an
amended and restated Guaranty (in the form of Exhibit G-2 hereto) (as modified,
amended or supplemented from time to time in accordance with the terms hereof
and thereof, the "Canadian General Guaranty") and (ii) each Canadian Credit
Party (other than DBF) shall have duly authorized, executed and delivered
amended and restated Guaranties (in the form of Exhibit G-3 hereto) (each as
modified, amended or

                                       38
<PAGE>

supplemented from time to time in accordance with the terms hereof and thereof,
a "Canadian Parent Guaranty" and, collectively, the "Canadian Parent
Guaranties"), and each Canadian Guaranty shall be in full force and effect.

     5.11 Pledge Agreements; Security Agreements.
          --------------------------------------

          (a)  On the Effective Date, each U.S. Credit Party shall have duly
authorized, executed and delivered an amended and restated Pledge Agreement (in
the form of Exhibit H-1 hereto) (as modified, amended or supplemented from time
to time in accordance with the terms hereof and thereof, the "U.S. Pledge
Agreement") and shall have delivered to the Collateral Agent, as pledgee
thereunder, all of the Pledged Securities referred to therein and then owned by
each such U.S. Credit Party, endorsed in blank or accompanied by executed and
undated stock powers, as appropriate, and the U.S. Pledge Agreement shall be in
full force and effect.

          (b)  On the Canadian Effective Date, DBF and each other Canadian
Credit Party shall have duly authorized, executed and delivered an amended and
restated Pledge Agreement (in the form of Exhibit H-2 hereto) (each as modified,
amended or supplemented from time to time in accordance with the terms hereof
and thereof, a "Canadian Pledge Agreement" and, collectively, the "Canadian
Pledge Agreements") and shall have delivered to the Collateral Agent, as pledgee
thereunder, all of the Pledged Securities referred to therein and then owned by
DBF and each such other Canadian Credit Party, endorsed in blank or accompanied
by executed and undated stock powers, as appropriate, and each Canadian Pledge
Agreement shall be in full force and effect.

          (c)  On the Effective Date each U.S. Credit Party shall have duly
authorized, executed and delivered an amended and restated Security Agreement
(in the form of Exhibit I-1 hereto) (as modified, supplemented or amended from
time to time in accordance with the terms hereof and thereof, the "U.S. Security
Agreement") covering all of such U.S. Credit Party's present and future Security
Agreement Collateral.  On the Canadian Effective Date DBF and each other
Canadian Credit Party shall have duly authorized, executed and delivered
Security Agreements in the form of Exhibit I-2 hereto and DBF shall have
executed a Hypothec in the form of Exhibit I-3 hereto and a Debenture and
Debenture Pledge Agreement in the form of Exhibit I-4 hereto. On the Canadian
Effective Date DBF and each other Canadian Credit Party shall have duly
authorized, executed and delivered one or more additional security arrangements
with respect to their inventory and proceeds thereof as may be requested by the
Collateral Agent and in form and substance satisfactory to the Collateral Agent
(each as modified, supplemented or amended from time to time in accordance with
the terms hereof and thereof, a "Canadian Security Agreement" and, collectively,
the "Canadian Security Agreements") covering all of DBF's and each such other
Canadian Credit Party's present and future Security Agreement Collateral, in
each case together with:

               (i)  on the Effective Date, proper Financing Statements (Form
     UCC-1 or UCC-3, as applicable) fully executed for filing under the UCC or
     other appropriate filing offices of each jurisdiction as may be necessary
     or, in the reasonable opinion of the Collateral Agent, desirable to perfect
     the security interests purported to be created by each Security Agreement;

               (ii) on the Effective Date, certified copies of Requests for
     Information (Form UCC-11) or equivalent reports, listing all effective
     financing statements that name any Credit Party or any of its Subsidiaries
     as debtor and that are filed in the jurisdictions referred to in clause (i)
     above, together with copies of such other financing statements that name
     any

                                       39
<PAGE>

     Credit Party or any of its Subsidiaries as debtor (none of which shall
     cover the Collateral except to the extent evidencing Permitted Liens or in
     respect of which the Collateral Agent shall have received termination
     statements (Form UCC-3 or the equivalent) or such other termination
     statements as shall be required by state or local law fully executed for
     filing); and

               (iii)  on the Effective Date and the Canadian Effective Date,
     evidence that all other actions necessary or, in the reasonable opinion of
     the Collateral Agent, desirable to perfect and protect the security
     interests purported to be created by each Security Agreement have been
     taken;

and each Security Agreement shall be in full force and effect.

     5.12 Mortgages; Title Insurance; Surveys.  On the Effective Date and, in
          -----------------------------------
respect of Mortgaged Property in Canada, on the Canadian Effective Date, the
Collateral Agent shall have received:

               (i)    fully executed counterparts of amendments to Mortgages, in
     form and substance satisfactory to the Collateral Agent, which amendments
     to Mortgages shall cover the Mortgaged Properties owned by the respective
     U.S. Credit Parties on the Effective Date and the respective Canadian
     Credit Parties on the Canadian Effective Date as designated on Annex V,
     together with evidence that counterparts of such amendments to Mortgages
     have been delivered to the title insurance company insuring the Lien of
     such Mortgages (or, in respect of Mortgaged Properties located in Canada,
     to the applicable land registry office) for recording in all places to the
     extent necessary or, in the reasonable opinion of the Collateral Agent,
     desirable, to effectively create a valid and enforceable first priority
     mortgage lien on each such Mortgaged Property in favor of the Collateral
     Agent (or such other trustee as may be required or desired under local law)
     for the benefit of the applicable Secured Creditors;

               (ii)   endorsements to the mortgagee title insurance policy on
     each such Mortgaged Property located in the United States issued by a title
     insurer reasonably satisfactory to the Collateral Agent (such policies
     referred to herein as the "Mortgage Policies") satisfactory to the
     Collateral Agent assuring the Collateral Agent that the Mortgages on such
     Mortgaged Properties are valid and enforceable first priority mortgage
     liens on the respective Mortgaged Properties, free and clear of all defects
     and encumbrances except Permitted Encumbrances and such Mortgage Policies
     shall otherwise be in form and substance reasonably satisfactory to the
     Collateral Agent and shall include, as appropriate, an endorsement for
     future advances under this Agreement and the Notes and for any other matter
     that the Agent in its discretion may reasonably request, shall not include
     an exception for mechanics' liens, and shall provide for affirmative
     insurance and such reinsurance as the Collateral Agent in its discretion
     may reasonably request; and

               (iii)  a survey, in form and substance reasonably satisfactory to
     the Collateral Agent of each Mortgaged Property, certified by a licensed
     professional surveyor reasonably satisfactory to the Agent.

     5.13 Financial Statements; Pro Forma Balance Sheet; Projections.  On or
          ----------------------------------------------------------
prior to the Effective Date, the Agent shall have received true and correct
copies of the historical financial statements, the pro forma consolidated
                                                   ---------
financial statements and the projections referred to in Sections 6.09 and
6.10(b), which historical financial statements, pro forma consolidated financial
statements

                                       40
<PAGE>

and projections shall be in form and substance reasonably satisfactory to the
Agent and the Required Lenders.

     5.14 Solvency Certificate; Environmental Analyses; Insurance Certificates.
          --------------------------------------------------------------------
On the Effective Date, Workflow shall have delivered to the Agent:

               (i)    a solvency certificate from the chief financial officer of
     Workflow in the form of Exhibit J;

               (ii)   environmental and hazardous substance assessments and
     analyses in scope, and in form and substance, reasonably satisfactory to
     the Agent and the Required Lenders; and

               (iii)  certificates of insurance complying with the requirements
     of Section 7.03 for the business and properties of Workflow and its
     Subsidiaries, and naming the Collateral Agent as an additional insured and
     as loss payee, and stating that such insurance shall not be canceled
     without at least 30 days prior written notice by the respective insurer to
     the Collateral Agent (or such shorter period of time as a particular
     insurance company generally provides).

     5.15 Plans; Shareholders' Agreements; Management Agreements; Collective
          ------------------------------------------------------------------
Bargaining Agreements; Tax Sharing Agreements; Existing Indebtedness Agreements.
-------------------------------------------------------------------------------
On or prior to the Effective Date, there shall have been delivered to the Agent
true and correct copies of the following documents (if any):

               (i)    all Plans subject to Section 302 of ERISA or Section 412
     of the Code (and for each such Plan that is required to file an annual
     report on Internal Revenue Service Form 5500-series, a copy of the most
     recent such report (including, to the extent required, the related
     financial and actuarial statements and opinions and other supporting
     statements, certifications, schedules and information), and for each Plan
     that is a "single-employer plan," as defined in Section 4001(a)(15) of
     ERISA, the most recently prepared actuarial valuation therefor), provided
     that the foregoing shall apply in the case of any multiemployer plan, as
     defined in 4001(a)(3) of ERISA, only to the extent that any document
     described therein is in the possession of Workflow or any Subsidiary of
     Workflow or any ERISA Affiliate or reasonably available thereto from the
     sponsor or trustee of any such plan;

               (ii)   all collective bargaining agreements applying or relating
     to any employee of Workflow or any of its Subsidiaries (collectively, the
     "Collective Bargaining Agreements");

               (iii)  all agreements entered into by Workflow or any of its
     Subsidiaries governing the terms and relative rights of its capital stock
     and any agreements entered into by shareholders relating to any such entity
     with respect to its capital stock (collectively, the "Shareholders'
     Agreements");

               (iv)   all material agreements with members of, or with respect
     to, the management of Workflow or any of its Subsidiaries to which Workflow
     or any of its Subsidiaries are parties (collectively, the "Management
     Agreements");

                                       41
<PAGE>

               (v)    all tax sharing, tax allocation and other similar
     agreements entered into by Workflow or any of its Subsidiaries
     (collectively, the "Tax Sharing Agreements"); and

               (vi)   all agreements evidencing or relating to Indebtedness in
     excess of $1,000,000 of Workflow or any of its Subsidiaries which is to
     remain outstanding after giving effect to the Effective Date (collectively,
     the "Existing Indebtedness Agreements");

all of which Plans, Collective Bargaining Agreements, Shareholders' Agreements,
Management Agreements, Tax Sharing Agreements and Existing Indebtedness
Agreements shall be in form and substance reasonably satisfactory to the Agent.

     5.16 Payment of Fees.  On the Effective Date and the Canadian Effective
          ---------------
Date, all costs, fees and expenses, and all other compensation contemplated by
this Agreement, in each case due to the Agent or the Lenders (including, without
limitation, legal fees and expenses) shall have been paid to the extent due.

     5.17 Notice of Borrowing; Letter of Credit Request.  The Agent shall have
          ---------------------------------------------
received a Notice of Borrowing satisfying the requirements of Section 1.03(a)
with respect to each incurrence of Dollar Revolving Loans. The Agent and
Canadian Co-Agent shall have received a Notice of Borrowing satisfying the
requirements of Section 1.03(a) with respect to each incurrence of Canadian
Revolving Loans. The Agent shall have received a Notice of Competitive Bid
Borrowing satisfying the requirements of Section 1.04 with respect to each
incurrence of Competitive Bid Loans. Fleet shall have received the notice
satisfying the requirements of Section 1.03(b)(i) with respect to each
incurrence of Swingline Loans.  The Agent and the Letter of Credit Issuer shall
have received a Letter of Credit Request satisfying the requirements of Section
2.02 with respect to each issuance of a Letter of Credit.

     5.18 Additional Conditions to Canadian Effective Date.  To the extent that
          ------------------------------------------------
any conditions listed above are required to be satisfied on or prior to the
occurrence of the Effective Date, such conditions shall also be, at the Agent's
or Canadian Co-Agent's determination, required to be satisfied prior to the
occurrence of the Canadian Effective Date to the satisfaction of the Agent and
the Canadian Co-Agent.

     The occurrence of the Effective Date and the Canadian Effective Date and
the acceptance of the benefits of each Credit Event on or after the Effective
Date shall constitute a representation and warranty by each Borrower to the
Agent and each of the Lenders (and, on and after the Canadian Effective Date,
the Canadian Co-Agent) that all of the conditions specified above exist as of
the Effective Date, as of the Canadian Effective Date, and as of the date of
each such Credit Event, as the case may be, in each case to the extent that such
conditions are applicable to the Effective Date, the Canadian Effective Date or
each such other Credit Event, as the case may be.  All of the certificates,
legal opinions and other documents and papers referred to in Section 5, unless
otherwise specified, shall be delivered to the Agent for the account of each of
the Lenders and, except for the Notes, in sufficient counterparts for each of
the Lenders and shall be reasonably satisfactory in form and substance to the
Agent.

     SECTION 6.  Representations, Warranties and Agreements.  In order to induce
                 ------------------------------------------
the Lenders to enter into this Agreement and to make the Loans and issue and/or
participate in the Letters of Credit, provided for herein, each Borrower makes
the following representations, warranties and

                                       42
<PAGE>

agreements, in each case after giving effect to the Transaction, all of which
shall survive the execution and delivery of this Agreement, the making of the
Loans and the issuance of the Letters of Credit with the occurrence of the
Effective Date and each Credit Event on or after the Effective Date being deemed
to constitute a representation and warranty by each Borrower that the matters
specified in this Section 6 are true and correct in all material respects on and
as of the Effective Date and the date of each such Credit Event (it being
understood and agreed that any representation or warranty which by its terms is
made as of a specified date shall be required to be true and correct only as of
such specified date).

     6.01 Status.  Each Credit Party and each of its Subsidiaries (i) is a duly
          ------
organized and validly existing corporation, partnership or limited liability
company, as the case may be, and is in good standing, in each case under the
laws of the jurisdiction of its organization, and has the corporate, partnership
or limited liability company power and authority, as the case may be, to own its
property and assets and to transact the business in which it is engaged and
presently proposes to engage and (ii) is duly qualified and is authorized to do
business and is in good standing in all jurisdictions where it is required to be
so qualified and where the failure to be so qualified, either individually or in
the aggregate, could reasonably be expected to have a Material Adverse Effect.

     6.02 Power and Authority.  Each Credit Party has the corporate, partnership
          -------------------
or limited liability company power and authority, as the case may be, to
execute, deliver and carry out 'the terms and provisions of each of the
Documents to which it is a party and has taken all necessary corporate,
partnership or limited liability company action, as the case may be, to
authorize the execution, delivery and performance of each of the Documents to
which it is a party.  Each Credit Party has duly executed and delivered each
Document to which it is a party and each such Document constitutes the legal,
valid and binding obligation of such Credit Party enforceable in accordance with
its terms, except to the extent that the enforceability thereof may be limited
by applicable bankruptcy, insolvency, reorganization, moratorium or similar laws
generally affecting creditors' rights and by equitable principles (regardless of
whether enforcement is sought in equity or at law).

     6.03 No Violation.  Neither the execution, delivery or performance by any
          ------------
Credit Party of the Documents to which it is a party nor compliance by it with
the terms and provisions thereof, nor the consummation of the transactions
contemplated therein, (i) will contravene any applicable provision of any law,
statute, rule or regulation, or any order, writ, injunction or decree of any
court or governmental instrumentality, (ii) will conflict or be inconsistent
with or result in any breach of, any of the terms, covenants, conditions or
provisions of, or constitute a default under, or (other than pursuant to the
Security Documents) result in the creation or imposition of (or the obligation
to create or impose) any Lien upon any of the property or assets of such Credit
Party or any of its Subsidiaries pursuant to the terms of any material
indenture, mortgage, deed of trust, credit agreement or loan agreement, or any
other material agreement, contract or instrument to which such Credit Party or
any of its Subsidiaries is a party or by which it or any of its property or
assets are bound or to which it may be subject or (iii) will violate any
provision of the certificate or articles of incorporation or by-laws (or
equivalent organizational documents), as the case may be, of such Credit Party
or any of its Subsidiaries.

     6.04 Litigation.  There are no actions, suits or proceedings pending or, to
          ----------
the best knowledge of any Borrower, threatened, with respect to Workflow or any
of its Subsidiaries that have, or that could reasonably be expected to have, a
Material Adverse Effect.

                                       43
<PAGE>

     6.05 Use of Proceeds; Margin Regulations.
          -----------------------------------

          (a)  The proceeds of all Loans shall be utilized for the general
corporate and working capital purposes of Workflow and its Subsidiaries,
provided that the proceeds of the Loans may also be used by Workflow to cancel
--------
options to purchase common stock of Workflow pursuant to the Cash/Cancel
Transaction in aggregate amount not to exceed (i) prior to the successful
completion of the QPO, $30,000,000 (provided that, until the successful
                                    --------
completion of the QPO and the occurrence of the Cash/Cancel Transaction, all
such amounts shall be placed in the Cash/Cancel Escrow Account as provided in
Section 7.15) and (ii) after the successful completion of the QPO providing Net
QPO Proceeds to Workflow and/or its Subsidiaries in a minimum amount of
$30,000,000 (and including any amounts placed in the Cash/Cancel Escrow Account
prior to the successful completion of the QPO), $43,000,000 plus the excess of
                                                            ----
the Net QPO Proceeds over $30,000,000 (provided that, until the occurrence of
                                       --------
the Cash/Cancel Transaction, all such amounts shall be placed in the Cash/Cancel
Escrow Account as provided in Section 7.15).

          (b)  No part of any Credit Event (or the proceeds thereof) will be
used to purchase or carry any Margin Stock or to extend credit for the purpose
of purchasing or carrying any Margin Stock except to the extent expressly
permitted by Sections 8.06(c) and 8.07(a)(y). Neither the making of any Loan
hereunder, nor the use of the proceeds thereof, nor the occurrence of any other
Credit Event, will violate or be inconsistent with the provisions of Regulation
T, U or X of the Board of Governors of the Federal Reserve System.

     6.06 Approvals.  No order, consent, approval, license, authorization or
          ---------
validation of, or filing, recording or registration with (except (x) as have
been obtained or made and which remain in full force and effect, (y) if this
representation is being made at any time prior to the tenth day following the
Effective Date, filings or recordations of financing statements, Mortgages and
other documents pursuant to the terms of the Security Documents (all of which
filings and recordations shall be completed within 10 days after the Effective
Date or, in the case of additional actions required by Section 7.12, such date
as is provided in said Section 7.12) and (z) for those filings or recordings
which may be required under the Federal Assignment of Claims Act to perfect a
security interest in governmental receivables), or exemption by, any
governmental or public body or authority, or any subdivision thereof or any
other Person, is required to authorize, or is required in connection with, (i)
the execution, delivery and performance of any Document or (ii) the legality,
validity, binding effect or enforceability of any such Document.

     6.07 Investment Company Act.  Neither Workflow nor any of its Subsidiaries
          ----------------------
is an "investment company" or a company "controlled" by an "investment company,"
within the meaning of the Investment Company Act of 1940, as amended.

     6.08 Public Utility Holding Company.  Neither Workflow nor any of its
          ------------------------------
Subsidiaries is a "holding company," or a "subsidiary company" of a "holding
company," or an "affiliate" of a "holding company" or of a "subsidiary company"
of a "holding company," within the meaning of the Public Utility Holding Company
Act of 1935, as amended.

     6.09 True and Complete Disclosure.  All factual information (taken as a
          ----------------------------
whole) heretofore or contemporaneously furnished by or on behalf of any Credit
Party in writing to the Agent or any Lender (including, without limitation, all
information contained in the Documents and in the Confidential Information
Memorandum) for purposes of or in connection with this Agreement or any
transaction contemplated herein is, and all other such factual information
(taken as a whole) hereafter

                                       44
<PAGE>

furnished by or on behalf of any officer of Workflow or the president or chief
financial officer of DBF in writing to the Agent or any Lender will be, true and
accurate in all material respects on the date as of which such information is
dated or certified and not incomplete by omitting to state any material fact
necessary to make such information (taken as a whole) not misleading at such
time in light of the circumstances under which such information was provided.
There is no place of business of Workflow or any of its Domestic Subsidiaries
not listed on Annex B or C of the U.S. Subsidiaries Security Agreement. The
projections and pro forma financial information contained in such materials are
                ---------
reasonable and attainable and are based on good faith estimates and assumptions
believed by such Persons to be reasonable at the time made, it being recognized
by the Lenders that such projections as to future events are not to be viewed as
facts and that actual results during the period or periods covered by any such
projections may differ from the projected results.

     6.10 Financial Condition; Financial Statements.
          -----------------------------------------

          (a) On and as of the Effective Date, on a pro forma basis after giving
                                                    ---------
effect to the execution, delivery and performance of this Agreement and the
other Documents and the consummation of the Transaction and to all Indebtedness
incurred, and to be incurred, and Liens created, and to be created, by each
Credit Party in connection therewith, and with respect to each Borrower on a
stand-alone basis and each Borrower and its Subsidiaries taken as a whole, (x)
the sum of their assets, at a fair valuation, will exceed their debts, (y) they
have not incurred nor intend to, nor believe that they will, incur debts beyond
their ability to pay such debts as such debts mature and (z) they will have
sufficient capital with which to conduct their business.  For purposes of this
Section 6.10, "debt" means any liability on a claim, and "claim" means (i) right
to payment whether or not such a right is reduced to judgment, liquidated,
unliquidated, fixed, contingent, matured, unmatured, disputed, undisputed,
legal, equitable, secured or unsecured; or (ii) right to an equitable remedy for
breach of performance if such breach gives rise to a payment, whether or not
such right to an equitable remedy is reduced to judgment, fixed, contingent,
matured, unmatured, disputed, undisputed, secured or unsecured.

          (b) The consolidated and consolidating balance sheets of Workflow and
its Subsidiaries for the fiscal year and nine month period ended on April 24,
1999 and January 22, 2000, respectively, and the related consolidated and
consolidating statements of income, cash flows and shareholders' equity of
Workflow and its Subsidiaries for the fiscal year or nine month period, as the
case may be, ended on such dates, copies of which have been furnished to the
Lenders prior to the Effective Date, present fairly in all material respects the
consolidated and consolidating financial position of Workflow and its
Subsidiaries at the dates of such balance sheets and the consolidated and
consolidating results of the operations of Workflow and its Subsidiaries for the
periods covered thereby.  All of the foregoing historical financial statements
have been prepared in accordance with generally accepted accounting principles
consistently applied.  The pro forma consolidated financial statements of
                           ---------
Workflow and its Subsidiaries as of April 24, 1999 and January 22, 2000, in each
case after giving effect to the Transaction and the financing therefor, copies
of which have been furnished to the Lenders prior to the Effective Date, present
fairly in all material respects the pro forma consolidated financial position of
                                    ---------
Workflow and its Subsidiaries as of April 24, 1999 and January 22, 2000 and the
pro forma consolidated results of operations of Workflow and its Subsidiaries
---------
for the twelve month and nine month periods covered thereby, as the case may be.

          (c) After giving effect to the Transaction (but for this purpose
assuming that the Transaction had occurred prior to April 24, 1999, since April
24, 1999, nothing shall have occurred

                                       45
<PAGE>

that has had, or could reasonably be expected to have, either individually or in
the aggregate, a Material Adverse Effect.

          (d) Except as fully reflected in the financial statements described in
Section 6.10(b) or in the footnotes thereto and the Indebtedness incurred under
this Agreement, there were as of the Effective Date (and after giving effect to
any Loans made on such date), no liabilities or obligations with respect to
Workflow or any of its Subsidiaries of any nature whatsoever (whether absolute,
accrued, contingent or otherwise and whether or not due) which, either
individually or in aggregate, could reasonably be expected to be material to
Workflow and its Subsidiaries taken as a whole.  As of the Effective Date, no
Borrower knows of any basis for the assertion against it or any of its
Subsidiaries of any liability or obligation of any nature whatsoever that is not
disclosed in the financial statements delivered pursuant to Section 6.10(b)
which, either individually or in the aggregate, could reasonably be expected to
be material to Workflow and its Subsidiaries taken as a whole.

     6.11 Security Interests.  Each of the Security Agreements and Mortgages are
          ------------------
effective to create, upon the filing of Form UCC-1 Financing Statements (or the
appropriate equivalent, Canadian or otherwise) and the Mortgages (which filings,
if this representation and warranty is being made more than 10 days after the
Effective Date, have been made) and each of the Pledge Agreements are effective
to create, in each case as security for the obligations purported to be secured
thereby, a valid and enforceable perfected security interest in and Lien on all
of the Collateral subject thereto (other than fixtures which are not located on
a Mortgaged Property), superior to and prior to the rights of all third Persons
and subject to no other Liens (except that the Security Agreement Collateral may
be subject to the security interests evidenced by Permitted Liens relating
thereto and each Mortgaged Property may be subject to the Permitted Encumbrances
relating thereto) in favor of the Collateral Agent (or such other trustee as may
be required or desired under local law), and the Collateral Agent, for the
benefit of the Secured Creditors, has a fully perfected lien on, and security
interest in, all Collateral.  No filings or recordings are required in order to
perfect (or maintain the perfection or priority of) the security interests
created under the Pledge Agreements.

     6.12 Tax Returns and Payments.  Each of Workflow and each of its
          ------------------------
Subsidiaries has filed all United States federal income tax returns and all
other material tax returns, domestic and foreign, required to be filed by it
(giving effect to any filing extension duly obtained in connection therewith)
and has paid all material taxes and assessments payable by it which have become
due, except for those contested in good faith and adequately disclosed and fully
provided for on the financial statements of Workflow and its Subsidiaries in
accordance with GAAP.  Workflow and each of its Subsidiaries have at all times
paid, or have provided adequate reserves (in the good faith judgment of the
management of Workflow) for the payment of, all United States federal, state and
foreign income taxes applicable for all prior fiscal years and for the current
fiscal year to date.  There is no material action, suit, proceeding,
investigation, audit or claim now pending or, to the knowledge of any Borrower,
threatened by any authority regarding any taxes relating to Workflow or any of
its Subsidiaries.  As of the Effective Date, neither Workflow nor any of its
Subsidiaries has entered into an agreement or waiver or been requested to enter
into an agreement or waiver extending any statute of limitations relating to the
payment or collection of taxes of Workflow or any of its Subsidiaries, or is
aware of any circumstances that would cause the taxable years or other taxable
periods of Workflow or any of its Subsidiaries not to be subject to the normally
applicable statute of limitations.  Neither Workflow nor any of its Subsidiaries
will incur any taxes in connection with the Transaction.

                                       46
<PAGE>

     6.13 Compliance with ERISA.
          ---------------------

          (a)  Each Plan (and each related trust, insurance contract or fund) is
in substantial compliance with its terms and with all applicable laws,
including, without limitation, ERISA and the Code; except for the Plans set
forth on Annex X, each Plan (and each related trust, if any) which is intended
to be qualified under Section 401(a) of the Code has received a determination
letter from the Internal Revenue Service to the effect that it meets the
requirements of Sections 401(a) and 501(a) of the Code; no Reportable Event has
occurred; no Plan which is a multiemployer plan (as defined in Section
4001(a)(3) of ERISA) is insolvent or in reorganization; no Plan has an Unfunded
Current Liability; no Plan which is subject to Section 412 of the Code or
Section 302 of ERISA has an accumulated funding deficiency, within the meaning
of such sections of the Code or ERISA, or has applied for or received a waiver
of an accumulated funding deficiency or an extension of any amortization period,
within the meaning of Section 412 of the Code or Section 303 or 304 of ERISA;
all contributions required to be made with respect to a Plan have been timely
made; neither Workflow nor any Subsidiary of Workflow nor any ERISA Affiliate
has incurred any material liability (including any indirect, contingent or
secondary liability) to or on account of a Plan pursuant to Section 409, 502(1),
502(1), 515, 4062, 4063, 4064, 4069, 4201, 4204 or 4212 of ERISA or Section
401(a)(29), 4971 or 4975 of the Code or expects to incur any such material
liability under any of the foregoing sections with respect to any Plan; no
condition exists which presents a material risk to Workflow or any Subsidiary of
Workflow or any ERISA Affiliate of incurring a material liability to or on
account of a Plan pursuant to the foregoing provisions of ERISA and the Code; no
proceedings have been instituted to terminate or appoint a trustee to administer
any Plan which is subject to Title IV of ERISA; no material action, suit,
proceeding, hearing, audit or investigation with respect to the administration,
operation or the investment of assets of any Plan (other than routine claims for
benefits) is pending, expected or threatened; using actuarial assumptions and
computation methods consistent with Part 1 of subtitle E of Title IV of ERISA,
the aggregate liabilities of Workflow and its Subsidiaries and its ERISA
Affiliates to all Plans which are multiemployer plans (as defined in Section
4001(a)(3) of ERISA) in the event of a complete withdrawal therefrom, as of the
close of the most recent fiscal year of each such Plan ended prior to the date
of the most recent Credit Event, would not exceed $1,000,000; each group health
plan (as defined in Section 607(1) of ERISA or Section 4980B(g)(2) of the Code)
which covers or has covered employees or former employees of Workflow, any
Subsidiary of Workflow or any ERISA Affiliate has at all times been operated in
material compliance with the provisions of Part 6 of subtitle B of Title I of
ERISA and Section 4980B of the Code; no lien imposed under the Code or ERISA on
the assets of Workflow or any Subsidiary of Workflow or any ERISA Affiliate
exists or is likely to arise on account of any Plan; and Workflow and its
Subsidiaries may cease contributions to or terminate any employee benefit plan
maintained by any of them without incurring any material liability.

          (b)  Each Foreign Pension Plan has been maintained in material
compliance with its terms and with the requirements of any and all applicable
laws, statutes, rules, regulations and orders and has been maintained, where
required, in good standing with applicable regulatory authorities.  All
contributions required to be made with respect to a Foreign Pension Plan have
been timely made.  Neither Workflow nor any of its Subsidiaries has incurred any
material obligation in connection with the termination of or withdrawal from any
Foreign Pension Plan.  The present value of the accrued benefit liabilities
(whether or not vested) under each Foreign Pension Plan, determined as of the
end of Workflow's most recently ended fiscal year on the basis of actuarial
assumptions, each of which is reasonable, did not exceed the current value of
the assets of such Foreign Pension Plan allocable to such benefit liabilities.

                                       47
<PAGE>

     6.14 Ownership; Subsidiaries.  On the Effective Date, the corporations
          -----------------------
listed on Annex IV are all of the Subsidiaries of Workflow.  Annex IV correctly
sets forth, as of the Effective Date, the percentage ownership (direct and
indirect) of Workflow in each class of capital stock of each of its respective
Subsidiaries and also identifies the direct owner thereof and the jurisdiction
of organization of such Subsidiaries.

     6.15 Capitalization.  On the Effective Date and after giving effect to the
          --------------
Transaction and the other transactions contemplated hereby, the authorized
capital stock of Workflow shall consist of (i) 150,000,000 shares of common
stock, $.001 par value per share, and (ii) 1,000,000 shares of preferred stock,
$.001 par value per share, of which no shares of such preferred stock shall be
issued and outstanding.  All outstanding shares of capital stock of Workflow
have been duly and validly issued and are fully paid and non-assessable.
Workflow does not have outstanding any securities convertible into or
exchangeable for its capital stock or outstanding any rights to subscribe for or
to purchase, or any options for the purchase of, or any agreement providing for
the issuance (contingent or otherwise) of, or any calls, commitments or claims
of any character relating to, its capital stock, except for options and warrants
to purchase shares of Workflow's common stock which may be issued from time to
time.

     6.16 Intellectual Property.  Each of Workflow and each of its Subsidiaries
          ---------------------
owns or holds a valid license to use all the patents, trademarks, permits,
service marks, trade names, technology, know-how,, copyrights, licenses,
franchises, proprietary information (including, but not limited to, rights in
computer programs and databases) and formulas or rights with respect to the
foregoing, that are used in the operation of the business of Workflow and each
of its Subsidiaries as presently conducted and as proposed to be conducted and
are necessary to such business, except where the failure to own or hold a valid
license with respect to any of the foregoing intellectual property could not,
individually or in the aggregate, reasonably be expected to have a Material
Adverse Effect.

     6.17 Compliance with Statutes, etc.  Each of Workflow and each of its
          -----------------------------
Subsidiaries is in compliance with all applicable statutes, regulations and
orders of, and all applicable restrictions imposed by, all governmental bodies,
domestic or foreign, in respect of the conduct of its business and the ownership
of its property (including applicable statutes, regulations, orders and
restrictions relating to environmental standards and controls), except such
noncompliances as could not, individually or in aggregate, reasonably be
expected to have a Material Adverse Effect.

     6.18 Environmental Matters.
          ---------------------

          (a)  Each of Workflow and each of its Subsidiaries has complied with
all applicable Environmental Laws and the requirements of any permits issued
under such Environmental Laws.  There are no pending or, to the best knowledge
of any Borrower, past or threatened Environmental Claims against Workflow or any
of its Subsidiaries or any Real Property at any time owned, leased or operated
by Workflow or any of its Subsidiaries.  There are no facts, circumstances,
conditions or occurrences concerning any business or operations of Workflow or
any of its Subsidiaries or any Real Property at any time owned, leased or
operated by Workflow or any of its Subsidiaries or, to the best knowledge of any
Borrower, any property adjoining or in the vicinity of any such Real Property
that could reasonably be expected (i) to form the basis of an Environmental
Claim against Workflow or any of its Subsidiaries or any currently owned Real
Property of Workflow or any of its Subsidiaries or (ii) to cause any such
currently owned Real Property to be subject to any material restrictions on the
ownership, occupancy, use or transferability

                                       48
<PAGE>

of such Real Property by Workflow or any of its Subsidiaries under any
applicable Environmental Law.

          (b)  Hazardous Materials have not at any time been generated, used,
treated or stored on, or transported to or from, or Released on or from, any
Real Property at any time owned, leased or operated by Workflow or any of its
Subsidiaries where such generation, use, treatment, storage, transportation or
Release has violated or could reasonably be expected to violate any
Environmental Law.  There are not now any underground storage tanks located on
any Real Property owned, leased or operated by Workflow or any of its
Subsidiaries.

          (c)  Notwithstanding anything to the contrary in this Section 6.18,
the representations made in this Section 6.18 shall only be untrue if the effect
of any or all failures, noncompliances, Environmental Claims, Hazardous
Materials, Releases and presence of underground storage tanks, in each case of
the types described above, either individually or in the aggregate, could
reasonably be expected to have a Material Adverse Effect.

     6.19 Real Properties.  All Real Property owned or leased by Workflow or any
          ---------------
of its Subsidiaries as of the Effective Date, and the nature of the interest
therein, is correctly set forth in Annex V.  Workflow and each of its
Subsidiaries have good and marketable title to, or a validly subsisting
leasehold interest in, all material properties owned or leased by it, including
all Real Property reflected in Annex V and in the financial statements referred
to in Section 6.10(b), free and clear of all Liens, other than Permitted Liens.

     6.20 Labor Relations.  Neither Workflow nor any of its Subsidiaries is
          ---------------
engaged in any unfair labor practice that could reasonably be expected to have a
Material Adverse Effect.  There is (i) no unfair labor practice complaint
pending against Workflow or any of its Subsidiaries or, to the best knowledge of
any Borrower, threatened against any of them, before the National Labor
Relations Board, and no grievance or arbitration proceeding arising out of or
under any collective bargaining agreement is so pending against Workflow or any
of its Subsidiaries or, to the best knowledge of any Borrower, threatened
against any of them, (ii) no strike, labor dispute, slowdown or stoppage pending
against Workflow or any of its Subsidiaries or, to the best knowledge of any
Borrower, threatened against Workflow or any of its Subsidiaries and (iii) no
union representation question exists with respect to the employees of Workflow
or any of its Subsidiaries and, no union organizing activities are taking place,
except (with respect to any matter specified in clause (i), (ii) or (iii) above,
either individually or in the aggregate) such as could not reasonably be
expected to have a Material Adverse Effect.

     6.21 Indebtedness.  Annex VI sets forth a true and complete list of all
          ------------
Indebtedness of Workflow and its Subsidiaries as of the Effective Date and which
is to remain outstanding after giving effect to the Transaction (excluding the
Obligations, the "Existing Debt"), in each case showing the aggregate principal
amount thereof and the name of the respective borrower and any other entity
which directly or indirectly guaranteed such debt.

     6.22 Existing Subordinated Indebtedness.  From and after the issuance
          ----------------------------------
thereof, the subordination provisions contained in the Existing Subordinated
Indebtedness will be enforceable against Workflow and the holders of the
Existing Subordinated Indebtedness, and all Obligations of Workflow under this
Agreement and the Canadian General Guaranty will be within the definition of
"Senior Debt" included in such subordination provisions.

                                       49
<PAGE>

     6.23 Insurance.  Annex VII sets forth a true and complete listing of all
          ---------
insurance maintained by Workflow and its Subsidiaries as of the Effective Date,
and with the amounts insured (and any deductibles) set forth therein.

     SECTION 7.  Affirmative Covenants.  Each Borrower hereby covenants and
                 ---------------------
agrees that as of the Effective Date and thereafter for so long as this
Agreement is in effect and until the Revolving Commitments have terminated, no
Letters of Credit or Notes are outstanding and the Loans and Unpaid Drawings,
together with interest, Fees and all other Obligations incurred hereunder, are
paid in full:

     7.01 Information Covenants.  Workflow will furnish to each Lender:
          ---------------------

          (a)  Annual Financial Statements.  Within 90 days after the close of
               ---------------------------
each fiscal year of Workflow (commencing with its fiscal year ending April 31,
2000), (i) the consolidated balance sheets of each of Workflow and its
Subsidiaries (both with and without 1186202 Ontario and its Subsidiaries) and
1186202 Ontario and its Subsidiaries, in each case as at the end of such fiscal
year and the related consolidated statements of income and stockholders' equity
and of cash flows for such fiscal year and setting forth comparative figures for
the preceding fiscal year and comparable budgeted figures for such fiscal year
and certified by the chief financial officer or another Authorized Financial
Officer of Workflow or DBF, as appropriate, that such statements fairly present
the consolidated financial condition of Workflow and its Subsidiaries (both with
and without 1186202 Ontario and its Subsidiaries) and 1186202 Ontario and its
Subsidiaries, as the case may be, as of the dates indicated and the results of
their operations and changes in their cash flows for the periods indicated and
examined by independent certified public accountants of recognized national
standing as shall be acceptable to the Agent, whose opinion shall not be
qualified as to the scope of audit or as to the status of Workflow and its
Subsidiaries or 1186202 Ontario and its Subsidiaries, each as a going concern,
together with a certificate of such accounting firm stating that in the course
of its regular audit of the business of each such Person and its Subsidiaries,
which audit was conducted in accordance with generally accepted auditing
standards, no Default or Event of Default which has occurred and is continuing
has come to their attention or, if such a Default or Event of Default has come
to their attention a statement as to the nature thereof and (ii) management's
discussion and analysis of the material operational and financial developments
during such fiscal year.

          (b)  Quarterly Financial Statements. Within 45 days after the close of
               ------------------------------
each of the first three quarterly accounting periods in each fiscal year of
Workflow, (i) the consolidated balance sheets of each of Workflow and its
Subsidiaries (both with and without 1186202 Ontario and its Subsidiaries) and
1186202 Ontario and its Subsidiaries, in each case as at the end of such
quarterly accounting period and the related consolidated statements of income
and stockholders' equity and of cash flows for such quarterly accounting period,
and for the elapsed portion of the fiscal year ended with the last day of such
quarterly accounting period, in each case setting forth comparative figures for
the related periods in the prior fiscal year and comparable budgeted figures for
such quarterly accounting period, all of which shall be in reasonable detail and
certified by the chief financial officer or another Authorized Financial Officer
of Workflow or DBF, as appropriate, that they fairly present the consolidated
financial condition of Workflow and its Subsidiaries (both with and without
1186202 Ontario and its Subsidiaries) and 1186202 Ontario and its Subsidiaries
as of the dates indicated and the results of their operations and changes in
their cash flows for the periods indicated, subject to normal year-end audit
adjustments, and (ii) management's discussion and analysis of the material
operational and financial developments during such quarterly accounting period.

                                       50
<PAGE>

          (c)  Monthly Reports.  Within 30 days after the end of each fiscal
               ---------------
month of Workflow (commencing with its fiscal month ending closest to March 31,
2000), the consolidated balance sheet of Workflow and its Subsidiaries at the
end of such fiscal month and the related consolidated statements of income for
such fiscal month and for the elapsed portion of the fiscal year ended with the
last day of such fiscal month, in each case setting forth comparative figures
for the corresponding fiscal month in the prior fiscal year and comparable
budgeted figures for such fiscal month.

          (d)  Budgets, etc.  Not more than 45 days after the commencement of
               -------------
each fiscal year of Workflow, budgets in form reasonably satisfactory to the
Agent (including, in any event, budgeted statements of income and sources and
uses of cash and balance sheets) for (x) such fiscal year and for each of the
monthly and quarterly accounting periods in such fiscal year, in each case
prepared in detail and (y) each of the five years immediately following such
fiscal year prepared in summary form, of Workflow and its Subsidiaries, in each
case as customarily prepared by management for its internal use setting forth,
with appropriate discussion, the principal assumptions upon which such budgets
are based.

          (e)  Officer's Certificates.  At the time of the delivery of the
               ----------------------
financial statements provided for in Sections 7.01(a) and (b), a certificate of
the chief financial officer or another Authorized Financial Officer of Workflow
to the effect that no Default or Event of Default exists or, if any Default or
Event of Default does exist, specifying the nature and extent thereof, which
certificate shall set forth (in reasonable detail) the calculations required to
establish whether Workflow and its Subsidiaries were in compliance with the
provisions of Sections 7.12(a), 7.12(b), 8.04, 8.05, 8.09 and 8.10, as at the
end of such fiscal quarter or year, as the case may be.

          (f)  Notice of Default or Litigation.  Promptly, and in any event
               -------------------------------
within five Business Days after any officer of Workflow or any of its
Subsidiaries obtains knowledge thereof, notice of (x) the occurrence of any
event which constitutes a Default or an Event of Default, which notice shall
specify the nature thereof, the period of existence thereof and what action the
Borrowers propose to take with respect thereto and (y) the commencement of, or
threat of, or any significant development in, any litigation or governmental
proceeding pending against Workflow or any of its Subsidiaries which could
reasonably be expected to have a Material Adverse Effect.

          (g)  Auditors' Reports.  Promptly upon receipt thereof, a copy of each
               -----------------
report or "management letter" submitted to Workflow or any of its Subsidiaries
by its independent accountants in connection with any annual, interim or special
audit made by them of the books of Workflow or any of its Subsidiaries.

          (h)  Environmental Matters.  Promptly after any officer of Workflow or
               ---------------------
any of its Subsidiaries obtains knowledge of any of the following environmental
matters, unless such environmental matters could not, individually or when
aggregated with all other such environmental matters, be reasonably expected to
have a Material Adverse Effect:

               (i)  any pending or threatened Environmental Claim against
     Workflow or any of its Subsidiaries or any Real Property owned, operated or
     leased by Workflow or any of its Subsidiaries;

               (ii) any condition or occurrence that (x) results in
     noncompliance by Workflow or any of its Subsidiaries with any applicable
     Environmental Law, or (y) could

                                       51
<PAGE>

     reasonably be anticipated to form the basis of an Environmental Claim
     against Workflow or any of its Subsidiaries or any Real Property owned,
     operated or leased by Workflow or any of its Subsidiaries;

               (iii)  any condition or occurrence on any Real Property owned,
     operated or leased by Workflow or any of its Subsidiaries that could
     reasonably be anticipated to cause such Real Property to be subject to any
     restrictions on the ownership, occupancy, use or transferability by
     Workflow or its Subsidiary, as the case may be, of its interest in such
     Real Property under any Environmental Law; and

               (iv)   the taking of any material removal or remedial action in
     response to the actual or alleged presence of any Hazardous Material on any
     Real Property owned, operated or leased by Workflow or any of its
     Subsidiaries.

All, such notices shall describe in reasonable detail the nature of the claim,
investigation, condition, occurrence or removal or remedial action and
Workflow's or such Subsidiary's response thereto.  In addition, each Borrower
agrees to provide the Lenders with copies of all material communications with
any government or governmental agency relating to Environmental Laws, all
material communications with any person relating to Environmental Claims, and
such detailed reports of any Environmental Claim as may reasonably be requested
by the Agent or the Required Lenders.

          (i)  Other Information.  Promptly upon transmission thereof, copies of
               -----------------
any filings and registrations with, and reports to, the SEC by Workflow or any
of its Subsidiaries and copies of all financial statements, proxy statements,
notices and reports as Workflow or any of its Subsidiaries shall send to the
holders of their publicly held capital stock (in each case to the extent not
theretofore delivered to the Lenders pursuant to this Agreement) and, with
reasonable promptness, such other information or documents (financial or
otherwise) as the Agent or any Lenders may reasonably request from time to time.

     7.02 Books, Records and Inspections; Annual Meetings.
          -----------------------------------------------

          (a)  Each Borrower will, and will cause each of its Subsidiaries to,
permit, upon reasonable prior notice to any officer of such Borrower, officers
and designated representatives of the Agent or any Lender to visit and inspect
any of the properties or assets of such Borrower or any of its Subsidiaries in
whomsoever's possession, and to examine the books of account of such Borrower or
any of its Subsidiaries and discuss the affairs, finances and accounts of such
Borrower of any of its Subsidiaries with, and be advised as to the same by,
their officers and independent accountants, all at such reasonable times and
intervals and to such reasonable extent as the Agent or such Lender may desire.

          (b)  At a date to be mutually agreed upon between the Agent and
Workflow occurring on or prior to the 120th day after the close of each fiscal
year of Workflow, Workflow shall, at the request of the Agent, hold a meeting
with all of the Lenders at which meeting shall be reviewed the financial results
of Workflow and its Subsidiaries for the previous fiscal year and the budgets
presented for the current fiscal year of Workflow (it being understood that
Workflow shall not be responsible for paying the travel and lodging expenses of
the Lenders in connection with their attending any such meeting).

                                       52
<PAGE>

     7.03 Maintenance of Property; Insurance.
          ----------------------------------

          (a)  Each Borrower will, and will cause each of its Subsidiaries to,
at all times maintain in full force and effect insurance with reputable and
solvent insurers in such amounts, covering such risks and liabilities and with
such deductibles or self-insured retentions as are in accordance with normal
industry practice. Workflow will furnish on the Effective Date and annually
thereafter to the Agent a summary of the insurance carried in respect of
Workflow and its Subsidiaries and the assets of Workflow and its Subsidiaries
together with certificates of insurance and other evidence of such insurance, if
any, naming the Collateral Agent as an additional insured (in the case of
liability policies) and/or mortgagee and loss payee (in the case of casualty
policies), to the extent of its interests therein.

          (b)  If any Borrower or any of its Subsidiaries shall fail to maintain
all insurance in accordance with this Section 7.03, or if any Borrower or any of
its Subsidiaries shall fail to so endorse and deposit all policies or
certificates with respect thereto, the Agent and/or the Collateral Agent shall
have the right (but shall be under no obligation) to procure such insurance and
each Borrower agrees to reimburse the Agent or the Collateral Agent as the case
may be, for all costs and expenses of procuring such insurance.

     7.04 Payment of Taxes.  Each Borrower will pay and discharge, and will
          ----------------
cause each of its Subsidiaries to pay and discharge, all taxes, assessments and
governmental charges or levies imposed upon it or upon its income or profits, or
upon any properties belonging to it, prior to the date on which penalties attach
thereto, and all lawful claims for sums that have become due and payable which,
if unpaid, might become a Lien not otherwise permitted under Section 8.03(a) or
charge upon any properties of such Borrower or any of its Subsidiaries provided
that neither Borrower nor any of its Subsidiaries shall be required to pay any
such tax, assessment, charge, levy or claim which is being contested in good
faith and by proper proceedings if it has maintained adequate reserves with
respect thereto in accordance with GAAP.

     7.05 Corporate Franchises.  Each Borrower will do, and will cause each of
          --------------------
its Subsidiaries to do, or cause to be done, all things necessary to preserve
and keep in full force and effect its existence, and its rights, franchises and
authority to do business to the extent material to such Borrower or such
Subsidiary, provided that any transaction permitted by Section 8.02 will not
constitute a breach of this Section 7.05.

     7.06 Compliance with Statutes, etc.  Each Borrower will, and will cause
          -----------------------------
each of its Subsidiaries to, comply with all applicable statutes, regulations
and orders of, and all applicable restrictions imposed by, all governmental
bodies, domestic or foreign, in respect of the conduct of its business and the
ownership of its property other than those the non-compliance with which, either
individually or in the aggregate, could not reasonably be expected to have a
Material Adverse Effect.

     7.07 Good Repair.  Each Borrower will, and will cause each of its
          -----------
Subsidiaries to, ensure that its material properties and equipment used or
useful in its business are kept in good repair, working order and condition,
normal wear and tear excepted, and, subject to Section 8.05, that from time to
time there are made, in such properties and equipment all needful and proper
repairs, renewals, replacements, extensions, additions, betterments and
improvements thereto, to the extent and in the manner useful or customary for
companies in similar businesses.

                                       53
<PAGE>

     7.08 Compliance with Environmental Laws.
          ----------------------------------

          (a)  Except where the failure to do so could not, either individually
or in the aggregate, reasonably be expected to have a Material Adverse Effect,
each Borrower:  (i) will comply, and will cause each of its Subsidiaries to
comply, with all Environmental Laws applicable to the operation of their
business and the ownership or use of any Real Property; (ii) will pay, and will
cause each of its Subsidiaries to pay, all costs and expenses incurred in such
compliance; (iii) will keep or cause to be kept all Real Properties owned,
operated or leased by such Borrower or any of its Subsidiaries free and clear of
any Liens imposed pursuant to such Environmental Laws; and (iv) will not, and
will not permit any of its subsidiaries to, generate, use, treat, store, release
or dispose of, or permit the generation, use, treatment, storage, release or
disposal of, Hazardous Materials on any such Real Property, or transport or
permit the transportation of Hazardous Materials to or from any such Real
Property except in compliance with applicable law.  If any Borrower or any of
its Subsidiaries, or any tenant or occupant of any such Real Property, causes or
permits any intentional or unintentional act or omission resulting in the
material presence or release of any Hazardous Material (except in compliance
with applicable Environmental Laws), such Borrower agrees to undertake, and/or
to cause any of its Subsidiaries, tenants or occupants to undertake, at their
sole expense, any clean up, removal, remedial or other action required pursuant
to Environmental Laws to remove and clean up any Hazardous Materials from any
such Real Property, provided that neither Borrower nor any of its Subsidiaries
shall be required to comply with any such order or directive which is being
contested in good faith and by proper proceedings so long as it has maintained
adequate reserves with respect to such compliance to the extent required in
accordance with GAAP.

          (b)  At the written reasonable request of the Agent or the Required
Lenders made to any Borrower, such Borrower will provide, at such Borrower's
sole cost and expense, an environmental site assessment report concerning any
Real Property the subject of such notice, prepared by an environmental
consulting firm approved by the Agent, indicating the presence or absence of
Hazardous Materials and the potential cost of any removal or remedial action in
connection with any Hazardous Materials on such Real Property.  If any Borrower
fails to provide the same 90 days after such request was made, the Agent may
order the same, and such Borrower shall grant and hereby grants to the Agent and
its agents access to such Real Property and specifically grants the Agent an
irrevocable non-exclusive license, subject to the rights of tenants, to
undertake such an assessment, all at the Borrowers' expense.

     7.09 ERISA.  As soon as possible and, in any event, within ten (10) days
          -----
after Workflow, any Subsidiary of Workflow or any ERISA Affiliate knows or has
reason to know of the occurrence of any of the following, Workflow will deliver
to each of the Lenders a certificate of an Authorized Financial Officer of
Workflow setting forth the full details as to such occurrence and the action, if
any, that Workflow, such Subsidiary or such ERISA Affiliate is required or
proposes to take, together with any notices required or proposed to be given to
or filed with or by Workflow, any Subsidiary, any ERISA Affiliate, the PBGC, any
other governmental agency, a Plan participant or the Plan administrator with
respect thereto:  that a Reportable Event has occurred (except to the extent
that Workflow has previously delivered to the Lenders a certificate and notices
(if any) concerning such event pursuant to the next clause hereof); that a
contributing sponsor (as defined in Section 4001(a)(13) of ERISA) of a Plan
subject to Title IV of ERISA is subject to the advance reporting requirement of
PBGC Regulation Section 4043.61 (without regard to subparagraph (b)(1) thereof),
and an event described in subsection .62, .63, .64, .65, .66, .67 or .68 of PBGC
Regulation Section 4043 is reasonably expected to occur with respect to such
Plan within the following 30 days; that an accumulated funding deficiency,
within the meaning of Section 412 of the Code or Section

                                       54
<PAGE>

302 of ERISA, has been incurred or an application is reasonably likely to be or
has been made for a waiver or modification of the minimum funding standard
(including any required installment payments) or an extension of any
amortization period under Section 412 of the Code or Section 303 or 304 of ERISA
with respect to a Plan; that any contribution required to be made with respect
to a Plan or Foreign Pension Plan has not been timely made; that a Plan has been
or may be terminated, reorganized, partitioned or declared insolvent under Title
IV of ERISA; that a Plan has an Unfunded Current Liability; that proceedings are
reasonably likely to be or have been instituted to terminate or appoint a
trustee to administer a Plan which is subject to Title IV of ERISA; that a
proceeding has been instituted pursuant to Section 515 of ERISA to collect a
delinquent contribution to a Plan; that Workflow, any Subsidiary of Workflow or
any ERISA Affiliate will or may incur any material liability (including any
indirect, contingent, or secondary liability) to or on account of the
termination of or withdrawal from a Plan under Section 4062, 4063, 4064, 4069,
4201, 4204 or 4212 of ERISA or with respect to a Plan under Section 401(a)(29),
4971, 4975 or 4980 of the Code or Section 409, 502(1) or 502(1) of ERISA or with
respect to a group health plan (as defined in Section 607(1) of ERISA or Section
4980B(g)(2) of the Code) under Section 4980B of the Code; or that Workflow or
any Subsidiary of Workflow may incur any material liability pursuant to any
employee welfare benefit plan (as defined in Section 3(1) of ERISA) that
provides benefits to retired employees or other former employees (other than as
required by Section 601 of ERISA) or any Plan or any Foreign Pension Plan.
Workflow will deliver to each of the Lenders (i) a complete copy of the annual
report (on Internal Revenue Service Form 5500-series) of each Plan (including,
to the extent required, the related financial and actuarial statements and
opinions and other supporting statements, certifications, schedules and
information) required to be filed with the Internal Revenue Service and (ii)
copies of any records, documents or other information that must be furnished to
the PBGC with respect to any Plan pursuant to Section 4010 of ERISA. In addition
to any certificates or notices delivered to the Lenders pursuant to the first
sentence hereof, copies of annual reports and any records, documents or other
information required to be furnished to the PBGC, and any material notices
received by Workflow, any Subsidiary of Workflow or any ERISA Affiliate with
respect to any Plan or Foreign Pension Plan shall be delivered to the Lenders no
later than ten (10) days after the date such annual report has been filed with
the Internal Revenue Service or such records, documents and/or information has
been furnished to the PBGC or such notice has been received by Workflow, any
Subsidiary or any ERISA Affiliate, as applicable. Workflow and each of its
applicable Subsidiaries shall ensure that all Foreign Pension Plans administered
by it or into which it makes payments obtains or retains (as applicable)
registered status under and respects in compliance with all applicable laws
except where the failure to do any of the foregoing could not reasonably be
expected to result in a Material Adverse Effect.

     7.10 Performance of Obligations.  Each Borrower will, and will cause each
          --------------------------
of its Subsidiaries to, perform all of its obligations under the terms of each
mortgage, indenture, security agreement, loan agreement or credit agreement and
each other agreement, contract or instrument by which it is bound, except such
non-performances as could not, individually or in the aggregate, reasonably be
expected to have a Material Adverse Effect.

     7.11 End of Fiscal Years; Fiscal Quarters.  Each Borrower will, for
          ------------------------------------
financial reporting purposes, cause (i) each of its, and each of its
Subsidiaries', fiscal years to end on the last; Saturday in April of each year
and (ii) each of its, and each of its Subsidiaries', fiscal quarters to end on
dates which are consistent with a fiscal year end as provided above in this
Section 7.11.

                                       55
<PAGE>

     7.12 Additional Security; Further Assurances.
          ---------------------------------------

          (a)  At the time any Person which does not constitute a Material
Subsidiary on the date on which such Person is acquired pursuant to a Permitted
Acquisition becomes a Material Subsidiary thereafter (whether by acquisition,
merger or otherwise), Workflow shall give prompt notice thereof to the Agent.
As soon as possible after such notice has been given, but in no event later than
60 days after such notice, Workflow shall cause such Subsidiary to (x) execute a
counterpart of the applicable Pledge Agreement and Security Agreement (or
another pledge agreement or security agreement, as the case may be, in
substantially similar form if needed), and (y) execute and deliver, or cause to
be executed and delivered, all other relevant documentation of the type
described in Section 5 as such Subsidiary would have had to deliver if such
Subsidiary were granting a security interest in its assets on the Effective
Date, in each case, in form and substance satisfactory to the Agent.

          (b)  At the time any Credit Party shall acquire after the Effective
Date an ownership or Leasehold interest in any Material Real Property (or at the
time of the acquisition or creation, after the Effective Date, of any Credit
Party having an ownership or Leasehold interest in any Material Real Property),
Workflow shall give prompt notice thereof to the Agent.  Upon the request of the
Agent or the Required Lenders, such Borrower shall, or shall cause such
Subsidiary Guarantor to, execute a Mortgage with respect to such Material Real
Property reasonably satisfactory in form and substance to the Agent and such
Mortgage shall constitute a valid and enforceable perfected mortgage superior to
and prior to the rights of all third Persons and subject to no other Liens
except for Permitted Liens.  The Mortgages or instruments related thereto
delivered pursuant to this Section 7.12 shall have been duly recorded or filed
in such manner and in such places as are required by law to establish, perfect,
preserve and protect the Liens in favor of the Collateral Agent required to be
granted pursuant to such Mortgages and all taxes, fees and other charges payable
in connection therewith shall have been paid in full.

          (c)  Each Borrower will, and will cause each other Credit Party to, at
the expense of the Credit Parties, make, execute, endorse, acknowledge, file
and/or deliver to the Collateral Agent from time to time such vouchers,
invoices, schedules, confirmatory assignments, conveyances, financing
statements, transfer endorsements, powers of attorney, certificates, real
property surveys, reports and other assurances or instruments and take such
further steps relating to the collateral covered by any of the Security
Documents as the Collateral Agent may reasonably require.  Furthermore, each
Borrower shall cause to be delivered to the Collateral Agent such opinions of
counsel, real estate appraisals satisfying the requirements of applicable law,
mortgage policies, title insurance and other related documents as may be
reasonably requested by the Collateral Agent to assure itself that this Section
7.12 has been complied with.

          (d)  Each Borrower agrees that each action required above by Sections
7.12(b) and (c) shall be completed as soon as possible, but in no event later
than 75 days after such action is requested to be taken by the Agent or the
Required Lenders.

     7.13 Foreign Subsidiaries Security.  If following a change in the relevant
          -----------------------------
sections of the Code or the regulations, rules, rulings, notices or other
official pronouncements issued or promulgated thereunder, counsel for Workflow
reasonably acceptable to the Agent does not within 30 days after a request from
the Agent or the Required Lenders deliver evidence, in form and substance
mutually satisfactory to the Agent and Workflow, with respect to any Foreign
Subsidiary which has not already had all of its stock pledged pursuant to the
U.S. Pledge Agreement that (i) a

                                       56
<PAGE>

pledge of 66-2/3% or more of the total combined voting power of all classes of
capital stock of such Foreign Subsidiary entitled to vote, (ii) the entering
into by such Foreign Subsidiary of a security agreement in substantially the
form of the U.S. Security Agreement and (iii) the entering into by such Foreign
Subsidiary of a guaranty in substantially the form of the U.S. Subsidiaries
Guaranty, in any such case could reasonably be expected to cause (I) the
undistributed earnings of such Foreign Subsidiary as determined for United
States federal income tax purposes to be treated as a deemed dividend to such
Foreign Subsidiary's United States parent for United States federal income tax
purposes which would not be substantially offset by a foreign tax credit or
other similar benefit of such United States parent or (II) other material
adverse United States federal income tax consequences to the Credit Parties,
then in the case of a failure to deliver the evidence described in clause (i)
above, that portion of such Foreign Subsidiary's outstanding capital stock so
issued by such Foreign Subsidiary not theretofore pledged pursuant to the U.S.
Pledge Agreement shall be pledged to the Collateral Agent for the benefit of the
Secured Creditors pursuant to the U.S. Pledge Agreement (or another pledge
agreement in substantially similar form, if needed), and in the case of a
failure to deliver the evidence described in clause (ii) above, such Foreign
Subsidiary shall execute and deliver the U.S. Security Agreement (or another
security agreement in substantially similar form, if needed), granting the
Collateral Agent for the benefit of the Secured Creditors a security interest in
all of such Foreign Subsidiary's assets, and in the case of a failure to deliver
the evidence described in clause (iii) above, such Foreign Subsidiary shall
execute and deliver the U.S. Subsidiaries Guaranty (or another guaranty in
substantially similar form, if needed), guaranteeing the Obligations of Workflow
under the Credit Documents and under any Interest Rate Protection Agreement or
Other Hedging Agreement, and with all documents delivered pursuant to this
Section 7.13 to be in form and substance reasonably satisfactory to the Agent.

     7.14   Landlord Waivers, Estoppel Certificates etc. Within 75 days
            --------------------------------------------
following Effective Date, the Borrowers shall use their reasonable best efforts
to deliver to the Agent such landlord waivers and/or estoppel certificates as
the Agent may have reasonably requested with respect to each Leasehold of
Workflow and each other Credit Party designated as such on Annex V, which
landlord waivers and/or estoppel certificates shall be in form and substance
reasonably satisfactory to the Agent.

     7.15.  Cash/Cancel Transaction; Cash/Cancel Escrow Account.  No payments to
            ---------------------------------------------------
any holders of options to purchase common stock of Workflow shall be made in
connection with the Cash/Cancel Transaction prior to the successful completion
of the QPO providing Net QPO Proceeds in a minimum amount of $30,000,000 to
Workflow and/or its Subsidiaries, provided that Workflow may, prior to the
                                  --------
successful completion of the QPO, contact and solicit holders of such options
and otherwise prepare for the Cash/Cancel Transaction (other than by making any
payments to holders of such options) in any manner that Workflow may reasonably
consider appropriate.  Prior to the successful completion of the QPO and the
occurrence of the Cash/Cancel Transaction, Workflow shall place all proceeds of
any extensions of credit under this Agreement intended to be used in connection
with the Cash/Cancel Transaction into an account with the Agent (the
"Cash/Cancel Escrow Account") in which the Collateral Agent shall have a
security interest on terms and conditions satisfactory to the Agent.  All
amounts in the Cash/Cancel Escrow Account shall be used, subject to the limits
set forth, above only in connection with the Cash/Cancel Transaction or be used
to prepay the Loans and/or cash collateralize Bankers' Acceptance Loans and/or
Letters of Credit, provided that on August 1, 2000 any amounts in the
                   --------
Cash/Cancel Escrow Account shall be used on such date to prepay the Loans and/or
cash collateralize Bankers' Acceptance Loans and/or Letters of Credit.

                                       57
<PAGE>

     7.16.  Guaranty and Security from Canadian Credit Parties.  At any time
            --------------------------------------------------
upon the occurrence of any Event of Default, the Agent in its discretion may,
or, at the request of the Required Lenders, shall, require the Borrowers to
cause each of the Canadian Credit Parties to (a) execute and deliver joint and
several guaranties in form and substance satisfactory to the Agent guarantying
the full payment and performance by Workflow of its Obligations and (b) execute
and deliver security agreements, mortgages, hypothecs and such other security
documents as the Agent may require, each such security document to be in form
and substance satisfactory to the Agent, securing the obligations of the
Canadian Credit Parties in respect of their obligations under the guaranties
referred to in clause (a) above.  The Lenders and the Agent hereby acknowledge
that the obligations of the Canadian Credit Parties under the guaranties
referred to in clause (a) above and the liens on the assets of the Canadian
Credit Parties are subordinate and junior to the obligations of the Canadian
Credit Parties in respect of the Canadian Loans.  Each of the actions to be
taken by Canadian Credit Parties under this Section 7.15 shall be taken within
10 (ten) Business Days after the Agent's request therefor.

     7.17.  Margin Stock.  Workflow will take all actions so that at all times
            ------------
the fair market value of all Margin Stock owned by Workflow and its Subsidiaries
shall not exceed $500,000 (exclusive of the Purchase Pro.com Shares).  In
addition, notwithstanding anything the contrary contained herein or in any other
Security Document, all Margin Stock at any time owned by Workflow or any other
Credit Party and the Purchase Pro.com Shares shall not constitute Collateral and
shall not be required to be pledged pursuant to any Security Document.

     SECTION 8.  Negative Covenants.  Each Borrower hereby covenants and agrees
                 ------------------
that as of the Effective Date, and thereafter for so long as this Agreement is
in effect and until the Revolving Commitments have terminated, no Letters of
Credit or Notes are outstanding and the Loans, together with interest, Fees and
all other Obligations incurred hereunder, are paid in full:

     8.01   Changes in Business.  No Borrower will, nor will any Borrower permit
            -------------------
any of its Subsidiaries to, engage directly or indirectly in any business other
than the businesses engaged in by Workflow and its Subsidiaries as of the
Effective Date (including the graphic arts business and the office products
business) and reasonable extensions thereof and business complimentary thereto.

     8.02   Consolidation; Merger, Sale or Purchase of Assets, etc.  No Borrower
            -------------------------------------------------------
will, nor will any Borrower permit any of its Subsidiaries to, wind up,
liquidate or dissolve its affairs or enter into any transaction of merger or
consolidation, or convey, sell, lease or otherwise dispose of (or agree to do
any of the foregoing at any future time) all or any part of its property or
assets (other than sales of inventory and obsolete or worn-out equipment, in
each case in the ordinary course of business), or enter into any partnerships,
joint ventures or sale-leaseback transactions, or purchase or otherwise acquire
(in one or a series of related transactions) any part of the property or assets
(other than purchases or other acquisitions of inventory, materials and
equipment in the ordinary course of business) of any Person, except that the
following shall be permitted:

            (a)  Consolidated Capital Expenditures by Workflow and its
Subsidiaries to the extent not in violation of Section 8.05, and Workflow and
its Subsidiaries may enter into operating leases as lessee with respect to real
or personal property in the ordinary course of business and otherwise in
compliance with this Agreement;

            (b)  (i)  Workflow and the U.S. Subsidiary Guarantors (other than
Specified Subsidiaries and any U.S. Subsidiary Guarantors that are not required
to execute and deliver, and

                                       58
<PAGE>

have not executed and delivered, the respective Security Documents) may transfer
assets among themselves, (ii) DBF and the other Canadian Credit Parties (other
than Specified Subsidiaries and any Canadian Credit Parties that are not
required to execute and deliver, and have not executed and delivered, the
respective Security Documents) may transfer assets among themselves and to
Workflow and the U.S. Subsidiary Guarantors (other than Specified Subsidiaries
and any U.S. Subsidiary Guarantors that are not required to execute and deliver,
and have not executed and delivered, the respective Security Documents), (iii)
the Credit Parties may make intercompany loans to the extent permitted by
Section 8.04(d);

          (c)  Investments permitted pursuant to Section 8.06;

          (d)  Workflow and its Subsidiaries may sell or discount, in each case
without recourse, accounts receivables arising in the ordinary course of
business, but only in connection with the compromise or collection thereof and
not as part of any financing transaction;

          (e)  Workflow and its Subsidiaries may sell or otherwise dispose of
assets (including pursuant to a sale-leaseback transaction) for cash and at fair
market value (as determined in good faith by Workflow or such Subsidiary),
provided that the aggregate cash proceeds from all such sales pursuant to this
--------
clause (e) shall not exceed, in the aggregate, $10,000,000 in any two
consecutive fiscal year period of Workflow;

          (f)  the Credit Parties may acquire all or substantially all of the
assets of any Acquired Business (or all or substantially all of the assets of a
product line or division of any Acquired Business) or 100% of the capital stock
of any Acquired Business (including by merger of the Acquired Business with a
Credit Party so long as the survivor of such merger is, or becomes at such time,
a Credit Party although in the case of any such merger which involves any
Borrower, such Borrower shall be the surviving corporation) (any such
acquisition, a "Permitted Acquisition" and the date of consummation of any such
Permitted Acquisition, an "Acquisition Date"), provided that (i) the sum of the
                                               --------
aggregate cash consideration plus the aggregate fair market value of all other
consideration paid by the Credit Parties (including any Indebtedness issued,
incurred and/or assumed by the Credit Parties and any capital stock issued by
Workflow, but excluding any amounts paid through an earn-out formula based on
earnings) in connection with any Permitted Acquisition shall not exceed
$35,000,000 (except that the total consideration for each of two Permitted
Acquisitions during the term of this Agreement may be up to $50,000,000),
provided that the Credit parties may consummate Permitted Acquisitions in which
--------
the aggregate consideration is greater than $35,000,000 but less than or equal
to $50,000,000 so long as least 90% of such aggregate consideration shall
consist of non-redeemable common stock and/or Qualified Preferred Stock of
Workflow (although the proviso contained in this clause (i) shall not apply to
the two $50,000,000 Permitted Acquisitions referred to above in this clause
(i)), (ii) no Default or Event of Default exists at the time of such Permitted
Acquisition or will exist as a result thereof, (iii) all of the representations
and warranties set forth in this Agreement are true and correct in all material
respects, both before and after giving effect to any such Permitted Acquisition,
(iv) in respect of each Permitted Acquisition (or of all Permitted Acquisitions
closing on the same date), Workflow shall have delivered to the Agent an
officer's certificate executed by an Authorized Financial Officer of Workflow
demonstrating (in reasonable detail) that (A) on a pro forma basis determined as
                                                   --- -----
if such Permitted Acquisition (or Acquisitions) had been consummated on the
first day of the last Test Period of Workflow then ended (and assuming that any
Indebtedness incurred, issued or assumed in connection therewith had been
incurred, issued or assumed on the first day of, and had remained outstanding
throughout, such Test Period), Workflow would have been in compliance with
Sections 8.09 and 8.10 for such Test Period

                                       59
<PAGE>

and (B) on a pro forma basis the Leverage Ratio of Workflow at the time of such
             --- -----
Permitted Acquisition (or Acquisitions) does not exceed 3.75:1.00 and, from and
after the third anniversary of the Effective Date, on a pro forma basis the
                                                        --- -----
Senior Leverage Ratio does not exceed 3.50:1.00. (v) each such Acquired Business
shall be in a line of business permitted under Section 8.01, (vi) each such
Acquired Business shall be domiciled in the United States (including Puerto
Rico) or Canada and shall derive at least 51 % of its revenues from its
operations in the United States (including Puerto Rico) and/or Canada, (vii)
immediately after giving effect to any such Permitted Acquisition and any
borrowings made in connection therewith, the Unutilized Total Revolving
Commitment shall be equal to at least $10,000,000, and Workflow shall have
delivered to the Agent an Officer's Certificate executed by the president, any
vice-president or any Authorized Financial Officer of Workflow stating that such
amount, together with any other amounts available to the Borrowers, represents
adequate working capital for the Borrowers and their Subsidiaries for the 12
month period subsequent to such Permitted Acquisition, and (viii) before giving
effect to any such Permitted Acquisition in which the aggregate consideration is
greater than $10,000,000 Workflow shall have delivered to the Agent an Officer's
Certificate executed by the president, any vice-president or any Authorized
Financial Officer of Workflow stating that all of the applicable conditions set
forth in this Section 8.02(f) have been satisfied with respect to such Permitted
Acquisition;

          (g)  (x) any Domestic Subsidiary (other than a Specified Subsidiary)
of Workflow may be merged with or into, or be dissolved or liquidated, into
Workflow or any U.S. Subsidiary Guarantor (other than a Specified Subsidiary and
a U.S. Subsidiary Guarantor that is not required to execute and deliver, and has
not executed and delivered, the respective Security Documents), provided that
                                                                --------
(i) the resulting entity must be a U.S. Subsidiary Guarantor unless such merger,
dissolution or liquidation involves Workflow, in which case Workflow must be the
resulting entity, and (ii) a Specified Subsidiary that is a Domestic Subsidiary
may be merged with or into, or be dissolved or liquidated into, a U.S.
Subsidiary Guarantor so long as the Indebtedness (if any) of, and/or Liens (if
any) on the property of, such Specified Subsidiary would be permitted to be
incurred by such Subsidiary Guarantor under the provisions hereof at the time of
such merger, dissolution or liquidation and (y) any Foreign Subsidiary (other
than a Specified Subsidiary) may be merged with or into, or be dissolved or
liquidated into, DBF or any other Canadian Credit Party (other than a Specified
Subsidiary and a Canadian Credit Party that is not required to execute and
deliver, and has not executed and delivered, the respective Security Documents),
provided that (i) the resulting entity must be a Canadian Credit Party and in
--------
the event that any such merger, dissolution or liquidation involves DBF, DBF
must be the resulting entity, (ii) a Specified Subsidiary that is a Foreign
Subsidiary may be merged with or into, or be dissolved or liquidated into, a
Canadian Credit Party so long as (x) the Indebtedness (if any) of, and/or Liens
(if any) and the property of, such Specified Subsidiary would be permitted to be
incurred by such Canadian Credit Party under the provisions hereof at the time
of such merger, dissolution or liquidation and (y) the resulting entity must be
a Canadian Credit Party and in the event that any such merger, dissolution or
liquidation involves DBF, DBF must be the resulting entity, and (iii) if any
stock of any Foreign Subsidiary involved in such merger, dissolution or
liquidation was pledged under the U.S. Pledge Agreement prior to such merger,
dissolution or liquidation, at least 65% of the total combined voting power of
all classes of capital stock of the surviving Foreign Subsidiary, and 100% of
all other classes of capital stock of such surviving Foreign Subsidiary in each
case shall be pledged pursuant to the U.S. Pledge Agreement;

          (h)  each of Workflow and its Subsidiaries may grant leases or
subleases to other Persons not materially interfering with the conduct of the
business of Workflow or any of its Subsidiaries;

                                       60
<PAGE>

          (i)  Workflow may consummate the QPO;

          (j)  Workflow may sell the Purchase Pro.com Shares for cash and at
fair market value (as determined in good faith by Workflow); and

          (k)  The Borrowers and their Subsidiaries may sell the manufacturing
operations acquired in connection with the OEI Acquisition (including the
equipment, raw materials and real estate associated with such operations) for
fair market value pursuant to arms-length transactions for minimum consideration
of $9,000,000.

To the extent the Required Lenders waive the provisions of this Section 8.02
with respect to the sale of any Collateral, or any Collateral is sold as
permitted by this Section 8.02 (and such Collateral is released (or permitted to
be released) from the Liens created by the respective Security Document), such
Collateral in each case shall be sold free and clear of the Liens created by the
Security Documents and the Agent shall take such actions(including, without
limitation, directing the Collateral Agent to take such actions) as the Agent
deems appropriate, or as any Borrower may reasonably request, in connection
therewith.

     8.03 Liens.  No Borrower will, nor will any Borrower permit any of its
          -----
Subsidiaries to, create, incur, assume or suffer to exist any Lien upon or with
respect to any property or assets of any kind (real or personal, tangible or
intangible) of such Borrower or any of its Subsidiaries, whether now owned or
hereafter acquired, or sell any such property or assets subject to an
understanding or agreement, contingent or otherwise, to repurchase such property
or assets (including sales of accounts receivable or notes) or assign any right
to receive income, except (Liens described below are herein referred to as
"Permitted Liens"):

          (a)  Liens for taxes not yet due or Liens for taxes being contested in
good faith and by appropriate proceedings for which adequate reserves have been
established in accordance with GAAP;

          (b)  Liens in respect of property or assets of Workflow and its
Subsidiaries imposed by law which were incurred in the ordinary course of
business and which have not arisen to secure Indebtedness for borrowed money,
such as carriers', warehousemen's and mechanics' Liens, statutory landlord's
Liens, and other similar Liens arising in the ordinary course of business, and
which either (x) do not in the aggregate materially detract from the value of
such property or assets or materially impair the use thereof in the operation of
the business of Workflow or any of its Subsidiaries or (y) are being contested
in good faith by appropriate proceedings, which proceedings have the effect of
preventing the forfeiture or sale of the property or asset subject to such Lien;

          (c)  Liens created by or pursuant to this Agreement or the Security
Documents;

          (d)  Liens in existence on the Effective Date, and which are to
continue in effect after the Effective Date which are listed, and the property
subject thereto described, in Annex VIII, without giving effect to any
extensions or renewals thereof;

          (e)  Liens arising from judgments, decrees or attachments in
circumstances not constituting an Event of Default under Section 9.09, provided
that no cash or property is deposited or delivered to secure the respective
judgment or award (or any appeal bond in respect thereof);

                                       61
<PAGE>

          (f)  Liens incurred or deposits made (x) in the ordinary course of
business in connection with workers' compensation, unemployment insurance and
other types of social security obligations, or to secure the performance of
tenders, statutory obligations, surety bonds, bids, contracts, performance and
return-of-money bonds and other similar obligations incurred in the ordinary
course of business (exclusive of obligations in respect of the payment for
borrowed money) and (y) to secure the performance of leases of Real Property to
the extent incurred or made in the ordinary course of business consistent with
past practices;

          (g)  licenses, leases or subleases granted to third Persons not
interfering in any material respect with the business of Workflow or any of its
Subsidiaries;

          (h)  Liens arising from precautionary UCC financing statements
regarding operating leases permitted by this Agreement;

          (i)  Liens created pursuant to Capital Leases permitted pursuant to
Section 8.04(b);

          (j)  Liens arising pursuant to purchase money mortgages or security
interests securing Indebtedness representing the purchase price (or financing of
the purchase price within 90 days after the respective purchase) of assets
acquired after the Effective Date, provided, that (i) any such Liens attach only
to the assets so purchased, (ii) the Indebtedness secured by any such Lien does
not exceed 100%, nor is less than 80%, of the lesser of the fair market value or
the purchase price of the property being purchased at the time of the incurrence
of such Indebtedness, and (iii) the Indebtedness secured thereby is permitted to
be incurred pursuant to Section 8.04(b);

          (k)  Liens existing with respect to specific assets at the time
acquired pursuant to a Permitted Acquisition in compliance with Section 8.02(f)
(and not to all such assets generally), provided that (x) any such Liens, and
the Indebtedness secured thereby, were not created at the time of or in
contemplation or anticipation of the acquisition of such assets by the
respective Credit Party, (y) the Indebtedness secured by any such Lien does not
exceed 100% of the fair market value of the asset to which such Lien relates,
determined at the time of the acquisition of such asset, and (z) the
Indebtedness secured thereby is permitted by Section 8.04(e);

          (l)  Permitted Encumbrances;

          (m)  Liens arising in the ordinary course of business in favor of
customs and revenue authorities which secure payment of customs duties in
connection with the importation of goods; and

          (n)  easements, rights-of-way, restrictions, encroachments and other
similar charges or encumbrances, and minor title deficiencies, in each case not
securing Indebtedness and not materially interfering with the conduct of the
business of Workflow or any of its Subsidiaries.

     8.04 Indebtedness.  No Borrower will, nor will any Borrower permit any of
          ------------
its Subsidiaries to, contract, create, incur, assume or suffer to exist any
Indebtedness, except:

          (a)  Indebtedness incurred pursuant to this Agreement and the other
Credit Documents;

                                       62
<PAGE>

          (b)  Capitalized Lease Obligations and Indebtedness incurred pursuant
to purchase money Liens permitted by Section 8.03(j), provided, that the sum of
all such Capitalized Lease Obligations outstanding at any time plus the
aggregate principal amount of all such purchase money Indebtedness outstanding
at such time shall not exceed $5,000,000;

          (c)  Existing Debt listed on Annex VI, but only to the respective
date, if any, set forth on such Annex VI with respect to any particular issue of
Existing Debt, without giving effect to any subsequent extension, renewal or
refinancing thereof;

          (d)  Indebtedness (i) between and among Workflow and the U.S.
Subsidiary Guarantors (other than Specified Subsidiaries), (ii) between and
among DBF and the other Canadian Credit Parties (other than Specified
Subsidiaries) and (iii) prior to the Canadian Effective Date, from DBF owing to
Workflow in the maximum amount of $25,000,000, provided, that any such
                                               --------
Indebtedness between DBF and Workflow shall be in the form of an Intercompany
Note pledged and delivered to the Collateral Agent pursuant to the U.S. Pledge
Agreement, provided, further, that if any such other Indebtedness referred to in
           --------  -------
this clause (d) is evidenced by a note, such note shall be in the form of an
Intercompany Note that is pledged and delivered pursuant to the applicable
Pledge Agreement;

          (e)  Indebtedness of a Person outstanding at the time it is first
acquired by any Credit Party in a Permitted Acquisition pursuant to Section
8.02(f), provided that (A) any such Indebtedness was not created at the time of
         --------
or in contemplation or in anticipation of such Permitted Acquisition and (B) the
aggregate principal amount of all Indebtedness permitted pursuant to this clause
(e) in connection with any Permitted Acquisition shall not exceed 10% of the
aggregate purchase price of the Person so acquired or of the assets so acquired,
as the case may be, in connection with such Permitted Acquisition;

          (f)  Indebtedness of any Borrower under Interest Rate Protection
Agreements entered into with respect to other Indebtedness of such Borrower
otherwise permitted under this Section 8.04;

          (g)  Indebtedness of Workflow or any of its Subsidiaries under Other
Hedging Agreements providing protection against fluctuations in currency prices
in connection with Workflow's or any of its Subsidiaries' ordinary business
operations so long as management of Workflow or such Subsidiary has determined
that the entering into of such Other Hedging Agreements are bona fide hedging
                                                            ---------
activities (and are not for speculative purposes) relating to the ordinary
business operations of Workflow or such Subsidiary;

          (h)  unsecured subordinated indebtedness of Workflow incurred
subsequent to the Effective Date in an aggregate principal amount of no more
than $150,000,000 ("Additional Subordinated Indebtedness") so long as (i) such
Indebtedness does not mature before 2 years after the Final Maturity Date (with
no interim amortizations, redemptions or sinking fund obligations prior to such
time ), (iii) such Indebtedness shall be on arms-length and commercially
reasonable terms (including subordination terms) no less favorable to Workflow
or the Lenders than is customary for high-yield, public subordinated
indebtedness, and (iv) all of the terms and conditions thereof (including
subordination terms) are reasonably satisfactory to the Agent;

          (i)  Existing Subordinated Indebtedness;

                                       63
<PAGE>

          (j)  Indebtedness consisting of the OEI Promissory Notes; and

          (k)  unsecured Indebtedness of Workflow and its Subsidiaries not
otherwise permitted by the foregoing clauses (a) through (j), provided that the
                                                              --------
aggregate principal amount of all Indebtedness incurred pursuant to this clause
(i) shall not exceed $7,000,000 at any time outstanding;

Notwithstanding anything to the contrary contained above in this Section 8.04,
in no event shall any Subsidiary of Workflow that has issued nonqualified
preferred stock as defined in Section 351(g)(2) of the Code incur any
Indebtedness under clause (b), (e) or (g) of this Section 8.04.

     8.05 Capital Expenditures.
          --------------------

          (a)  No Borrower will, nor will any Borrower permit any of its
Subsidiaries to, make Consolidated Capital Expenditures, provided that Workflow
and its Subsidiaries may make Consolidated Capital Expenditures so long as the
aggregate amount of Capital Expenditures made during each fiscal year (taken as
one accounting period) commencing with the fiscal year ending closest to April
30, 2000, does not exceed the Capital Expenditure Amount for such fiscal year.

          (b)  In addition to the foregoing, the Credit Parties may make
Consolidated Capital Expenditures to the extent that same constitute a Permitted
Acquisition pursuant to Section 8.02(f) (it being understood that any
Consolidated Capital Expenditures made pursuant to this clause (b) will not
reduce the amount of Consolidated Capital Expenditures permitted to be made
under clause (a) of this Section 8.05).

          (c)  In addition to the foregoing, Workflow and its Subsidiaries may
make Consolidated Capital Expenditures with the Net Cash Proceeds of Asset Sales
to the extent such proceeds are not required to be applied to reduce the Total
Revolving Commitment or Loans pursuant to Section 3.03(b).

          (d)  In addition to the foregoing, Workflow and its Subsidiaries may
make Consolidated Capital Expenditures with the Net Insurance Proceeds received
by Workflow or any of its Subsidiaries from any Recovery Event so long as such
Consolidated Capital Expenditures are to replace or restore any properties or
assets in respect of which such proceeds were paid within one year following the
date of the receipt of such insurance proceeds to the extent such Net Insurance
Proceeds are not required to be applied to reduce the Total Revolving Commitment
or Loans pursuant to Section 3.03(c).

     8.06 Advances, Investments and Loans.  No Borrower will, nor will any
          -------------------------------
Borrower permit any of its Subsidiaries to, directly or indirectly, lend money
or credit or make advances to any Person, or purchase or acquire any stock,
obligations or securities of, or any other interest in, or make any capital
contribution to, any other Person, or purchase or own a futures contract or
otherwise become liable for the purchase or sale of currency or other
commodities at a future date in the nature of a futures contract, or hold any
cash or Cash Equivalents (each of the foregoing an "Investment" and,
collectively, "Investments"), except that the following shall be permitted:

          (a)  Workflow and its Subsidiaries may invest in cash and Cash
Equivalents;

                                       64
<PAGE>

          (b)  Workflow and its Subsidiaries may acquire and hold receivables
owing to it, if created or acquired in the ordinary course of business and
payable or dischargeable in accordance with customary trade terms of Workflow or
such Subsidiary, as the case may be;

          (c)  Workflow and its Subsidiaries may acquire and own investments
(including debt obligations) received in connection with the bankruptcy or
reorganization of suppliers and customers and in settlement of delinquent
obligations of, and other disputes with, customers and suppliers arising in the
ordinary course of business;

          (d)  transactions permitted by Sections 8.02(b) and/or 8.04(d);

          (e)  Investments in existence on the Effective Date and listed on
Annex IX without giving effect to any additions thereto or replacements thereof;

          (f)  deposits made in the ordinary course of business consistent with
past practices to secure the performance of leases of Real Property;

          (g)  loans and advances to employees for moving and travel expenses
and other similar expenses, in each case incurred in the ordinary course of
business, in an aggregate outstanding principal amount not to exceed $500,000 at
any time (determined without regard to any write-down or write-offs thereof);

          (h)  Permitted Acquisitions allowed pursuant to Section 8.02(f);

          (i)  each Borrower may enter into Interest Rate Protection Agreements
to the extent permitted by Section 8.04(f);

          (j)  Workflow and its Subsidiaries may enter into Other Hedging
Agreements to the extent permitted by Section 8.04(g); and

          (k)  Investments not otherwise permitted by the foregoing clauses (a)
through (j), inclusive, provided that the aggregate amount of all Investments
                        --------
made pursuant to this clause (k) shall not exceed $15,000,000 at any time
(determined without regard to any write-downs or write-offs thereof).

     8.07 Dividends, etc.
          ---------------

          (a)  No Borrower will, nor will any Borrower permit any of its
Subsidiaries to, declare or pay any dividends (other than dividends payable
solely in common stock of such Borrower or any such Subsidiary, as the case may
be) or return any capital to, its stockholders or authorize or make any other
distribution, payment or delivery of property or cash to its stockholders as
such, or redeem, retire, purchase or otherwise acquire, directly or indirectly,
for a consideration, any shares of any class of its capital stock (other than
the issuance of common stock of Workflow upon conversion of any convertible
preferred stock that may be issued by Workflow in accordance with this
Agreement), now or hereafter outstanding (or any warrants for or options or
stock appreciation rights in respect of any of such shares), or set aside any
funds for any of the foregoing purposes, and Workflow will not permit any of its
Subsidiaries to purchase or otherwise acquire for consideration any shares of
any class of the capital stock of the Borrower or any other Subsidiary, as the
case may be, now or hereafter outstanding (or any options or warrants or stock
appreciation rights issued by

                                       65
<PAGE>

such Person with respect to its capital stock) (all of the foregoing
"Dividends"), except that: (x) any Subsidiary of Workflow may pay Dividends to
Workflow or any other Subsidiary of Workflow, (y) repurchases may be made by
Workflow of its capital stock and/or options or warrants to purchase its capital
stock from management or directors of Workflow and its Subsidiaries so long as
(i) no Default or Event of Default exists at the time of such purchase and (ii)
the aggregate amount paid by Workflow in connection with all such repurchases
does not exceed $500,000 for each fiscal year of Workflow and (z) Workflow may
make payments to holders of options to purchase common stock of Workflow in
connection with the Cash/Cancel Transaction to the extent permitted pursuant to
Section 7.15.

          (b)  No Borrower will, nor will any Borrower permit any of its
Subsidiaries to, create or otherwise cause or suffer to exist any encumbrance or
restriction which prohibits or otherwise restricts (A) the ability of any such
Subsidiary to (a) pay dividends or make other distributions or pay any
Indebtedness owed to any Borrower or any Subsidiary Guarantor, (b) make loans or
advances to Workflow or any Subsidiary of Workflow or (c) transfer any of its
properties or assets to Workflow or any Subsidiary of Workflow, or (B) the
ability of Workflow or any Subsidiary of Workflow, to create, incur, assume or
suffer to exist any Lien upon its property or assets to secure the Obligations,
other than prohibitions or restrictions existing under or by reason of:  (i)
this Agreement and the other Credit Documents; (ii) applicable law; (iii)
customary non-assignment provisions entered into in the ordinary course of
business and consistent with past practices; and (iv) Liens permitted under
Sections 8.03(i) and (j), and any documents or instruments governing the terms
of any Indebtedness or other obligations secured by any such Liens, provided
that such prohibitions or restrictions apply only to the assets subject to such
Liens.

     8.08 Transactions with Affiliates.  No Borrower will, nor will any Borrower
          ----------------------------
permit any of its Subsidiaries to, enter into any transaction or series of
transactions with any Affiliate of such Borrower or any such Subsidiary other
than in the ordinary course of business and on terms and conditions
substantially as favorable to such Borrower or such Subsidiary as would be
obtainable by such Borrower or such Subsidiary at the time in a comparable
arm's-length transaction with a Person other than an Affiliate, provided that
                                                                --------
(i) Dividends may be paid to the extent permitted by Section 8.03 and (ii)
transactions between or among Workflow and its Subsidiaries pursuant to (and in
accordance with the terms of) Sections 8.02, 8.04 and 8.06 shall be permitted.

     8.09 Leverage Ratio.
          --------------

          (a)  The Borrowers will not permit the Leverage Ratio of Workflow at
any time to be greater than 4.00:1.00.

          (b)  The Borrowers will not permit the Senior Leverage Ratio of
Workflow at any time after the third anniversary of the Effective Date to be
greater than 3.75:1.00.

          (c)  The Borrowers will not permit the Leverage Ratio of Workflow to
be greater than 3.25:1.00 on the Effective Date after giving effect to all
Borrowings and other extensions of credit and payment made pursuant to this
Agreement and all other transactions, agreements and payments occurring in
connection with or simultaneously with the Transaction.

     8.10 Consolidated Interest Coverage Ratio.  The Borrowers will not permit
          ------------------------------------
the Consolidated Interest Coverage Ratio of Workflow for any Test Period ending
on the last day of a fiscal quarter of Workflow to be less than 2.0:1.0.

                                       66
<PAGE>

     8.11 Limitation on Modifications of Certificate of Corporation, By-Laws
          -------------------------------------------------------------------

          (a)  No Borrower will, nor will any Borrower permit any of its
Subsidiaries to:

               (i)    amend, modify or change in any manner adverse to the
     interests of the Lenders, the certificate or articles of incorporation
     (including, without limitation, by the filing of any certificate of
     designation) or by-laws (or equivalent organizational documents) of such
     Borrower or any of its Subsidiaries, as the case may be, or any other
     agreement entered into by such Borrower or any of its Subsidiaries with
     respect to its capital stock, or enter into any new agreement with respect
     to the capital stock of such Borrower (to the extent adverse to the
     interests of the Lenders) or any of its Subsidiaries; or

               (ii)   issue any class of capital stock other than (x) issuances
     of non-redeemable common stock, (y) issuances by Workflow of Qualified
     Preferred Stock and (z) issuances of preferred stock by Wholly-Owned
     Subsidiaries of Workflow to Workflow or another Wholly-Owned Subsidiary of
     Workflow.

          (b)  Workflow will not permit any of its Subsidiaries to issue any
capital stock (including by way of sales of treasury stock) or any options or
warrants to purchase, or securities convertible into, capital stock, except (i)
for transfers and replacements of then outstanding shares of capital stock, (ii)
for stock splits, stock dividends and issuances which do not decrease the
percentage ownership of Workflow or any of its Subsidiaries in any class of the
capital stock of such Subsidiary, (iii) to qualify directors to the extent
required by applicable law, and (iv) for issuances by newly created or acquired
Subsidiaries in accordance with the terms of this Agreement.

     8.12 Limitation on the Creation of Subsidiaries.  Notwithstanding anything
          ------------------------------------------
to the contrary contained in this Agreement, no Borrower will, nor will any
Borrower permit any of its Subsidiaries to, establish, create or acquire any
Subsidiary; provided that Wholly-Owned Subsidiaries may be established or
created and, in connection with a Permitted Acquisition, acquired, in each case
so long as (i) in the case of a Wholly-Owned Subsidiary created in order to
effect a Permitted Acquisition, such Subsidiary has no assets except those
contributed substantially contemporaneously with such Permitted Acquisition,
(ii) the capital stock of each such new Subsidiary is promptly pledged pursuant
to, and to the extent required by, the applicable Pledge Agreement and the
certificates representing such stock, together with stock powers duly executed
in blank, are delivered to the Collateral Agent, (iii) such new Subsidiary
promptly executes a counterpart of the applicable Guaranty (or another guaranty
in substantially similar form if needed), in each case on the same basis (and to
the same extent) as such Subsidiary would have executed such Guaranties if it
were a Credit Party on the Effective Date, (iv) such new Subsidiary, to the
extent that it is a Material Subsidiary, executes a counterpart of the
applicable Pledge Agreement and Security Agreement (or another pledge agreement
or security agreement, as the case may be, in substantially similar form if
needed), in each case on the same basis (and to the same extent) as such
Subsidiary would have executed such Credit Documents if it were a Credit Party
on the Effective Date, and (v) to the extent requested by the Agent or the
Required Lenders, any such new Subsidiary, to the extent that it is a Material
Subsidiary, takes all actions required pursuant to Section 7.12.

     8.13 Limitation on Payments and Modification of Subordinated Indebtedness.
          --------------------------------------------------------------------
From and after the issuance of any Subordinated Indebtedness, Workflow will not,
and will not permit any of its Subsidiaries to:

                                       67
<PAGE>

          (i)  make (or give any notice in respect of) any payment, prepayment,
     redemption or acquisition for value of (including, without limitation, by
     way of depositing with any Person money or securities before due for the
     purpose of payment when due) any Subordinated Indebtedness (whether in
     respect of principal, interest or otherwise), provided that so long as no
     Default or Event of Default then exists or would result therefrom, Workflow
     may make cash and in-kind interest payments on the Existing Subordinated
     Indebtedness, provided that for the first three years after the issuance
                   --------
     thereof, the interest payments thereon shall consist of no more than 50%
     cash and at least 50% in-kind, provided, further that no cash interest
                                    --------  -------
     shall be required (nor shall any cash interest payments be made) at any
     time that a Default or Event of Default exists whether during or subsequent
     to such three year period; and

          (ii) amend or modify, or permit the amendment or modifications of, any
     provision of the Subordinated Indebtedness.

     SECTION 9.  Events of Default.  Upon the occurrence of any of the following
                 -----------------
specified events (each an "Event of Default"):

     9.01 Payments.  Any Borrower shall (i) default in the payment when due of
          --------
any principal of (or any Face Amount of, as the case may be) the Loans or (ii)
default, and such default shall continue for three or more days, in the payment
when due of any Unpaid Drawing, any interest on the Loans or any Fees or any
other amounts owing hereunder or under any other Credit Document; or

     9.02 Representations, etc.  Any representation, warranty or statement made
          --------------------
or deemed made by any Borrower or any other Credit Party herein or in any other
Credit Document or in any written statement or certificate delivered pursuant
hereto or thereto shall prove to be untrue in any material respect on the date
as of which made or deemed made; or

     9.03 Covenants.  Any Credit Party shall (a) default in the due performance
          ---------
or observance by it of any term, covenant or agreement contained in Section
7.01(f)(x), 7.11 or 8, or (b) default in the due performance or observance by it
of any term, covenant or agreement (other than those referred to in Section
9.01, 9.02 or clause (a) of this Section 9.03) contained in this Agreement and
such default shall continue unremedied for a period of at least 30 days after
notice to the defaulting party by the Agent or the Required Lenders; or

     9.04 Default Under Other Agreements.  (a) Any Borrower or any of its
          ------------------------------
Subsidiaries shall (i) default in any payment with respect to any Indebtedness
(other than the Obligations) beyond the period of grace, if any, provided in the
instrument or agreement under which Indebtedness was created or (ii) default in
the observance or performance of any agreement or condition relating to any such
Indebtedness or contained in any instrument or agreement evidencing, securing or
relating thereto, or any other event shall occur or condition exist, the effect
of which default or other event or condition is to cause, or to permit the
holder or holders of such Indebtedness (or a trustee or agent on behalf of such
holder or holders) to cause any such Indebtedness to become due prior to its
stated maturity; or (b) any Indebtedness (other than the Obligations) of any
Borrower or any of its Subsidiaries shall be declared to be due and payable, or
shall be required to be prepaid other than by a regularly scheduled required
prepayment or as a mandatory prepayment, in each case prior to the stated
maturity thereof, provided that it shall not constitute an Event of Default
                  --------
pursuant to clause (a)

                                       68
<PAGE>

or (b) of this Section 9.04 unless the principal amount of all such Indebtedness
referred to in clauses (a) and (b) above equals or exceeds $1,000,000 at any one
time; or

     9.05 Bankruptcy, etc.  Any Borrower or any of its Subsidiaries shall
          ---------------
commence a voluntary case concerning itself under Title 11 of the United States
Code entitled "Bankruptcy," as now or hereafter in effect, or any successor
thereto (the "Bankruptcy Code"); or an involuntary case is commenced against any
Borrower or any of its Subsidiaries and the petition is not controverted within
10 days, or is not dismissed within 60 days, after commencement of the case; or
a custodian (as defined in the Bankruptcy Code) is appointed for, or takes
charge of, all or substantially all of the property of any Borrower or any of
its Subsidiaries; or commences any other proceeding under any bankruptcy,
reorganization, arrangement, adjustment of debt, relief of debtors, dissolution,
insolvency or liquidation or similar law of any jurisdiction whether now or
hereafter in effect relating to any Borrower or any of its Subsidiaries; or
there is commenced against any Borrower or any of its Subsidiaries any such
proceeding which remains undismissed for a period of 60 days; or any Borrower or
any of its Subsidiaries is adjudicated insolvent or bankrupt; or an order for
relief or other order approving any such case or proceeding is entered; or any
Borrower or any of its Subsidiaries suffers any appointment of any custodian,
receiver, trustee or the like for it or any substantial part of its property to
continue undischarged or unstayed for a period of 60 days; or any Borrower or
any of its Subsidiaries makes a general assignment for the benefit of creditors;
or any corporate action is taken by any Borrower or any of its Subsidiaries for
the purpose of effecting any of the foregoing; or

     9.06 ERISA.
          -----

          (a)  Any Plan shall fail to satisfy the minimum funding standard
required for any plan year or part thereof under Section 412 of the Code or
Section 302 of ERISA or a waiver of such standard or extension of any
amortization period is sought or granted under Section 412 of the Code or
Section 303 or 304 of ERISA, a Reportable Event shall have occurred, a
contributing sponsor (as defined in Section 4001(a)(13) of ERISA) of a Plan
subject to Title IV of ERISA shall be subject to the advance reporting
requirement of PBGC Regulation Section 4043.61 (without regard to subparagraph
(b)(1) thereof) and an event described in subsection .62, .63, .64, .65, .66,
 .67 or .68 of PBGC Regulation Section 4043 shall be reasonably expected to occur
with respect to such Plan within the following 30 days, any Plan which is
subject to Title IV of ERISA shall have had or is likely to have a trustee
appointed to administer such Plan, any Plan which is subject to Title IV of
ERISA is, shall have been or is likely to be terminated or to be the subject of
termination proceedings under ERISA, any Plan shall have an Unfunded Current
Liability, a contribution required to be made with respect to a Plan or a
Foreign Pension Plan has not been timely made, Workflow or any Subsidiary of
Workflow or any ERISA Affiliate has incurred or is likely to incur any liability
to or on account of a Plan under Section 409, 502(i), 502(1), 515, 4062, 4063,
4064, 4069, 4201, 4204 or 4212 of ERISA or Section 401(a)(29), 4971 or 4975 of
the Code or on account of a group health plan (as defined in Section 607(1) of
ERISA or Section 4980B(g)(2) of the Code) under Section 4980B of the Code, or
Workflow or any Subsidiary of Workflow has incurred or is likely to incur
liabilities pursuant to one or more employee welfare benefit plans (as defined
in Section 3(1) of ERISA) that provide benefits to retired employees or other
former employees (other than as required by Section 601 of ERISA) or Plans or
Foreign Pension Plans; (b) there shall result from any such event or events the
imposition of alien, the granting of a security interest, or a liability or a
material risk of incurring a liability; and (c) such lien, security interest or
liability, individually and/or in the aggregate, in the reasonable opinion of
the Required Lenders, has had, or could reasonably be expected to have, a
Material Adverse Effect; or

                                       69
<PAGE>

     9.07 Security Documents.  (a) Except in each case to the extent resulting
          ------------------
from the negligent or willful failure of the Collateral Agent to retain
possession of the applicable Pledged Securities, any Security Document shall
cease to be in full force and effect, or shall cease to give the Collateral
Agent the Liens, rights, powers and privileges purported to be created thereby
in favor of the Collateral Agent (or such other trustee as may be required and
desired under local law), or (b) any Credit Party shall default in the due
performance or observance of any term, covenant or agreement on its part to be
performed or observed pursuant to any such Security Document and such default
shall continue unremedied for a period of at least 30 days; or

     9.08 Guaranties.  Any Guaranty or any provision thereof shall cease to be
          ----------
in full force and effect, or any Guarantor or any Person acting by or on behalf
of such Guarantor shall deny or disaffirm such Guarantor's obligations under its
Guaranty or any Guarantor shall default in the due performance or observance of
any term, covenant or agreement on its part to be performed or observed pursuant
to its Guaranty; or

     9.09 Judgments.  One or more judgments or decrees shall be entered against
          ---------
Workflow or any of its Subsidiaries involving a liability (to the extent not
paid or covered by a reputable and solvent insurance company) of $1,000,000 or
more (or, in the case of currencies other than Dollars, the Dollar Equivalent
thereof) for all such judgments and decrees and all such judgments or decrees
shall not have been vacated, paid, discharged or stayed or bonded pending appeal
within 30 days from the entry thereof; or

     9.10 Change of Control.  A Change of Control shall occur; or
          -----------------

     9.11 Existing Subordinated Indebtedness.  At any time after the issuance of
          ----------------------------------
the Existing Subordinated Indebtedness, the original holders thereof
satisfactory to the Agent shall cease to hold at least 50% of the aggregate
outstanding principal amount of the Existing Subordinated Indebtedness;

then, and in any such event, and at any time thereafter, if any Event of Default
shall then be continuing, the Agent shall, upon the written request of the
Required Lenders, by written notice to the Borrowers, take any or all of the
following actions, without prejudice to the rights of the Agent or any Lender to
enforce its claims against any Guarantor or any Borrower (provided, that if an
Event of Default specified in Section 9.05 shall occur with respect to a
Borrower, the result which would occur upon the giving of written notice by the
Agent as specified in clauses (i) and (ii) below shall occur automatically
without the giving of any such notice):  (i) declare the Total Revolving
Commitment terminated, whereupon the Revolving Commitment of each Lender shall
forthwith terminate immediately and any accrued Facility Fees shall forthwith
become due and payable without any other notice of any kind; (ii) declare the
principal of, the Face Amount of and any accrued interest in respect of all
Loans and all other Obligations owing hereunder (including Unpaid Drawings) to
be, whereupon the same shall become, forthwith due and payable without
presentment, demand, protest or other notice of any kind, all of which are
hereby waived by the Borrowers; (iii) enforce, as Collateral Agent (or direct
the Collateral Agent to enforce), any or all of the Liens and security interests
created pursuant to the Security Documents; (iv) terminate any Letter of Credit
which may be terminated in accordance with its terms; (v) direct Workflow to pay
(and Workflow hereby agrees upon receipt of such notice, or upon the occurrence
of any Event of Default specified in Section 9.05, to pay) to the Collateral
Agent at the appropriate Payment Office such additional amounts of cash, to be
held as security for Workflow's reimbursement obligations in respect of Letters
of Credit then outstanding, equal to the aggregate Stated Amount of all Letters
of Credit then

                                       70
<PAGE>

outstanding; (vi) apply any cash collateral held pursuant to Section 4.02 to the
repayment of the Obligations; and (vii) direct the appropriate Borrowers to pay
(and each Borrower agrees that upon receipt of such notice, or upon the
occurrence of an Event of Default specified in Section 9.05 with respect to any
Borrower, it will pay) to the Agent (without duplication) all amounts required
to be paid pursuant to clause (j) of Annex III.

     SECTION 10.  Definitions.  As used herein, the following terms shall have
                  -----------
the meanings herein specified unless the context otherwise requires.  Defined
terms in this Agreement shall include in the singular number the plural and in
the plural the singular:

     "Absolute Rate" shall mean an interest rate (rounded to the nearest .0001)
expressed as a decimal.

     "Acceptance Fee" shall mean, in respect of a Bankers' Acceptance, a fee
calculated on the Face Amount of such Bankers' Acceptance at the applicable
"Acceptance Fee Rate" determined in accordance with the schedule below based on
the Leverage Ratio of Workflow for the Test Period then last ended and as
determined from the most recent financial statements of Workflow (and related
compliance certificate) timely delivered to the Lenders pursuant to Section 7.01
(a) or (b), as the case may be, provided that (x) so long as any Default or
Event of Default then exists, the Acceptance Fee Rate shall be equal to the
highest percentage set forth in the table below and (y) to the extent that, on
the date of the consummation by of Workflow or any of its Subsidiaries of any
Permitted Acquisition, the Leverage Ratio of Workflow is increased (after giving
effect to such Permitted Acquisition) and such increase would result in a higher
Acceptance Fee Rate in accordance with the schedule below, such increase in the
Acceptance Fee Rate shall take effect from such date until the next date upon
which the financial statements referred to above are required to be delivered to
the Lenders:

                                                           Applicable Acceptance
               Leverage Ratio                                      Fee Rate
               --------------                                      --------

Greater than or equal to 3.5:1                                     1.750%
Less than 3.5:1.0 but greater than or equal to 3.0:1               1.500%
Less than 3.0:1 but greater than or equal to 2.5:1                 1.350%
Less than 2.5:1 but greater than or equal to 2.0:1                 0.875%
Less than 2.0:1                                                    0.700%

; provided further, that, notwithstanding the foregoing, during the Initial Rate
  ----------------
Period the Acceptance Fee Rate shall not be less than 1.500% (as such percentage
may be increased as a result of clause (x) or (y) of the preceding proviso).

     "Acquired Business" shall mean each individual set of assets and/or Person
acquired pursuant to a Permitted Acquisition.

     "Acquisition Date" shall have the meaning provided in Section 8.02(f).

                                       71
<PAGE>

     "Additional Subordinated Indebtedness" shall have the meaning provided in
Section 8.04(h).

     "Adjustment Date" shall have the meaning provided in Section 1.16(b).

     "Affiliate" shall mean, with respect to any Person, any other Person
directly or indirectly controlling (including but not limited to all directors
and officers of such Person), controlled by, or under direct or indirect common
control with such Person.  A Person shall be deemed to control a corporation if
such Person possesses, directly or indirectly, the power (i) to vote 5% or more
of the securities having ordinary voting power for the election of directors of
such corporation or (ii) to direct or cause the direction of the management and
policies of such corporation, whether through the ownership of voting
securities, by contract or otherwise.

     "Agency Assignment Agreement" shall mean that Assignment Agreement of even
date herewith by Bankers Trust Company as "Agent" and "Collateral Agent" under
the Existing Credit Agreement of its rights as "Agent" and "Collateral Agent"
thereunder and under the other "Credit Documents" as defined therein to Fleet
National Bank as Agent and Collateral Agent hereunder.

     "Agent" shall have the meaning provided in the first paragraph of this
Agreement and shall include any successor to the Agent appointed pursuant to
Section 11.10.

     "Agent Group" shall have the meaning provided for in Section 5.05.

     "Aggregate Dollar Revolving Credit Exposure" shall mean, at any time, the
sum of (I) the aggregate principal amount of all Dollar Revolving Loans and
Dollar Term Loans then outstanding plus (II) the aggregate principal amount of
all Swingline Loans and Competitive Bid Loans then outstanding plus (III) the
aggregate amount of all Letter of Credit Outstandings at such time.

     "Aggregate Revolving Credit Exposure" shall mean, at any time, the sum of
(I) the aggregate principal amount of all Revolving Loans and Canadian Term
Loans then outstanding (for this purpose, using the Dollar Equivalent of the
principal amount or Face Amount, as the case may be, of each Canadian Loan then
outstanding) plus (II) the aggregate principal amount of all Swingline Loans and
Competitive Bid Loans then outstanding plus (III) the aggregate amount of all
Letter of Credit Outstandings at such time.

     "Agreement" shall mean this Amended and Restated Credit Agreement, as the
same may be from time to time modified, amended and/or supplemented.

     "Anticipated Reinvestment Amount" shall mean, with respect to any
Reinvestment Election, the amount specified in the Reinvestment Notice delivered
by Workflow or DBF in connection therewith as (x) the amount of the Net Cash
Proceeds from the related Asset Sale that Workflow and/or its Subsidiaries
intend to use to purchase, construct or otherwise acquire Reinvestment Assets or
(y) the amount of the Net Insurance Proceeds from the related Recovery Event
that Workflow and/or its Subsidiaries intend to use to purchase or construct
Reinvestment Assets in respect of the asset subject to such Recovery Event.

     "Applicable Base Rate Margin/Applicable Canadian Prime Rate Margin" shall
mean the margins determined in accordance with the schedule below based on the
Leverage Ratio of Workflow for the Test Period then last ended and as determined
from the most recent financial statements of Workflow (and related compliance
certificate) timely delivered to the Lenders pursuant

                                       72
<PAGE>

to Section 7.01(a) or (b), as the case may be, provided that (x) so long as any
Default or Event of Default then exists, the Applicable Base Rate Margin and the
Applicable Canadian Prime Rate Margin shall be equal to the highest percentage
set forth in the table below and (y) to the extent that, on the date of the
consummation by Workflow or any of its Subsidiaries of any Permitted
Acquisition, the Leverage Ratio of Workflow is increased (after giving effect to
such Permitted Acquisition) and such increase would result in a higher
Applicable Base Rate Margin and Applicable Canadian Prime Rate Margin in
accordance with the schedule below, such increase in the Applicable Base Rate
Margin and Canadian Prime Rate Margin shall take effect from such date until the
next date upon which the financial statements referred to above are required to
be delivered to the Lenders:

<TABLE>
<CAPTION>
                                                  Applicable                  Applicable Canadian
        Leverage Ratio                         Base Rate Margin                Prime Rate Margin
        --------------                         ----------------                -----------------
<S>                                            <C>                            <C>
Greater than or equal to 3.5:1                        1.000%                              1.000%
Less than 3.5:1 but greater than or                   0.750%                              0.750%
 equal to 3.0:1
Less than 3.0:1 but greater than or                    .500%                               .500%
 equal to 2.5:1
Less than 2.5:1                                          .0%                                 .0%
</TABLE>

; provided further, that, notwithstanding the foregoing, during the Initial Rate
  ----------------
Period the Applicable Base Rate Margin shall not be less than 0.750% and the
Applicable Canadian Prime Rate Margin shall not be less than 0.750%.

     "Applicable Facility Fee Percentage" shall mean the percentage determined
in accordance with the schedule below based on the Leverage Ratio of Workflow
for the Test Period then last ended and as determined from the most recent
financial statements of Workflow (and related compliance certificate) timely
delivered to the Lenders pursuant to Section 7.01(a) or (b), as the case may be,
provided that (x) so long as any Default or Event of Default then exists, the
Applicable Facility Fee Percentage shall be equal to the highest percentage set
forth in the table below and (y) to the extent that, on the date of the
consummation by Workflow or any of its Subsidiaries of any Permitted
Acquisition, the Leverage Ratio of Workflow is increased (after giving effect to
such Permitted Acquisition) and such increase would result in a higher
Applicable Facility Fee Percentage in accordance with the below schedule, such
increase in the Applicable Facility Fee Percentage shall take effect from such
date until the next date upon which the financial statements referred to above
are required to be delivered to the Lenders:

<TABLE>
<CAPTION>
                                                                              Applicable
             Leverage Ratio                                            Facility Fee Percentage
             --------------                                            -----------------------
<S>                                                                    <C>
Greater than or equal to 3.0:1                                                 0.500%
Less than 3.0:1 but greater than or equal to 2.5:1                              .400%
Less than 2.5:1 but greater than or equal to 2.0:1                             0.375%
</TABLE>

                                       73
<PAGE>

Less than 2.0:1                                                           0.300%

; provided further, that, notwithstanding the foregoing, during the Initial Rate
  ----------------
Period the Applicable Facility Fee Percentage shall not be less than 0.500%.

     "Applicable Currency" shall mean, with respect to any Obligations, Dollars
or, to the extent relating to Canadian Loans, Canadian Dollars.

     "Applicable Revolver Eurodollar Margin" shall mean the margin determined in
accordance with the schedule below based on the Leverage Ratio of Workflow for
the Test Period then last ended and as determined from the most recent financial
statements of Workflow (and related compliance certificate) timely delivered to
the Lenders pursuant to Section 7.01 (a) or (b), as the case may be, provided
that (x) so long as any Default or Event of Default then exists, the Applicable
Revolver Eurodollar Margin shall be equal to the highest percentage set forth in
the table below and (y) to the extent that, on the date of the consummation by
Workflow or any of its Subsidiaries of any Permitted Acquisition, the Leverage
Ratio of Workflow is increased (after giving effect to such Permitted
Acquisition) and such increase would result in a higher Applicable Revolver
Eurodollar Margin in accordance with the schedule below, such increase in the
Applicable Revolver Eurodollar Margin shall take effect from such date until the
next date upon which the financial statements referred to above are required to
be delivered to the Lenders:

<TABLE>
<CAPTION>
                                                                             Applicable Revolver
                                                                                 Eurodollar
                 Leverage Ratio                                                  Rate Margin
                 --------------                                                  -----------
<S>                                                                          <C>
Greater than or equal to 3.5:1                                                       1.750%
Less than 3.5:1.0 but greater than or equal to 3.0:1                                 1.500%
Less than 3.0:1 but greater than or equal to 2.5:1                                   1.350%
Less than 2.5:1 but greater than or equal to 2.0:1                                   0.875%
Less than 2.0:1                                                                      0.700%
</TABLE>

; provided further, that, notwithstanding the foregoing, during the Initial Rate
  ----------------
Period the Applicable Revolver Eurodollar Margin shall not be less than 1.500%
(as such percentage may be increased as a result of clause (x) or (y) of the
preceding proviso).

     "Applicable Term Eurodollar Margin" shall mean the margin determined in
accordance with the schedule below based on the Leverage Ratio of Workflow for
the Test Period then last ended and as determined from the most recent financial
statements of Workflow (and related compliance certificate) timely delivered to
the Lenders pursuant to Section 7.01 (a) or (b), as the case may be, provided
that (x) so long as any Default or Event of Default then exists, the Applicable
Term Eurodollar Margin shall be equal to the highest percentage set forth in the
table below and (y) to the extent that, on the date of the consummation by
Workflow or any of its Subsidiaries of any Permitted Acquisition, the Leverage
Ratio of Workflow is increased (after giving effect to such Permitted
Acquisition) and such increase would result in a higher Applicable Term
Eurodollar Margin in accordance with the schedule below, such increase in the
Applicable Term Eurodollar Margin shall

                                       74
<PAGE>

take effect from such date until the next date upon which the financial
statements referred to above are required to be delivered to the Lenders:

<TABLE>
<CAPTION>
                                                                               Applicable Term
                                                                                 Eurodollar
             Leverage Ratio                                                      Rate Margin
             --------------                                                      -----------
<S>                                                                            <C>
Greater than or equal to 3.5:1.0                                                   2.500%
Less than 3.5:1.0 but greater than or equal to 3.0:1.0                             2.250%
Less than 3.0:1 but greater than or equal to 2.5:1                                 2.000%
Less than 2.5:1                                                                    1.500%
</TABLE>

; provided further, that notwithstanding the foregoing, during the Initial Rate
  ----------------
period the Applicable Term Eurodollar Margin shall not be less than 2.250% (as
such percentage may be increased as a result of clause (x) or (y) of the
preceding proviso).

     "Arranger" shall mean FleetBoston Robertson Stephens Inc. acting as
arranger in connection with the syndication of the Total Revolving Commitment
and the Dollar Term Loan Commitments.

     "Asset Sale" shall mean the sale, transfer or other disposition (or series
of related sales, transfers or dispositions) by Workflow or any Subsidiary of
Workflow after the Effective Date to any Person other than Workflow or any
Subsidiary of Workflow of any asset of Workflow or such Subsidiary (other than
sales, transfers or other dispositions (x) in the ordinary course of business of
inventory and/or obsolete or worn-out equipment, (y) the proceeds of which do
not exceed $1,000,000 in any fiscal year of Workflow or (z) pursuant to Section
8.02(j).

     "Assignment and Assumption Agreement" shall have the meaning provided in
Section 12.04(b).

     "Authorized Financial Officer" shall mean the chief financial officer, the
treasurer, any assistant treasurer or the corporate controller of Workflow or
DBF, as appropriate.

     "BA Discount Proceeds" shall mean, in respect of any Bankers Acceptance to
be purchased by a Canadian Lender on any date pursuant to Section 1.01 and Annex
III, an amount rounded to the nearest whole Canadian cent, and with one-half of
one Canadian cent being rounded up, calculated on such day by dividing:

          (a)  the Face Amount of such Banker's Acceptance; by

          (b)  the sum of one plus the product of:

               (i)  the respective Canadian Lender's Discount Rate (expressed as
     a decimal) applicable to such Bankers' Acceptance; and

               (ii) a fraction, the numerator of which is the number of days in
     the term of maturity of such Banker's Acceptance and the denominator of
     which is 365;

                                       75
<PAGE>

               with such product rounded up or down to the fifth decimal place
     and with .000005 being rounded up.

     "Bankers' Acceptance" shall mean a Draft accepted by a Canadian Lender
pursuant to Section 1.01 and Annex III.

     "Bankers' Acceptance Loans" shall mean the creation and discount of
Bankers' Acceptances as contemplated in Section 1.01 and Annex III.

     "Bankruptcy Code" shall have the meaning provided in Section 9.05.

     "Base Rate" shall mean, at any time, the higher of (x) the rate which is
1/2 of 1% in excess of the Federal Funds Effective Rate and (y) the Prime
Lending Rate.

     "Base Rate Loan" shall mean (i) each Swingline Loan; (ii) each Dollar
Revolving Loan designated or deemed designated as such by Workflow at the time
of the incurrence thereof or conversion thereto and (iii) each Dollar Term Loan
designated or deemed designated as such by Workflow at the time of the
incurrence thereof or conversion thereto.

     "Benefited Lender" shall have the meaning provided in Section 12.06(b).

     "Bidder Lender" shall mean each Lender that has informed the Agent and
Workflow in writing (which has not been retracted) that such Lender desires to
participate generally in the bidding arrangements relating to Competitive Bid
Borrowings.

     "Borrower" shall have the meaning provided in the first paragraph of this
Agreement.

     "Borrowing" shall mean and include (i) the incurrence of Swingline Loans
from Fleet on a given date, (ii) the incurrence of one Type of Dollar Revolving
Loan by Workflow from all of the Lenders on a pro rata basis on a given date (or
                                              --------
resulting from conversions on a given date), having in the case of Eurodollar
Loans the same Interest Period, provided, that Base Rate Loans that are Dollar
Revolving Loans incurred pursuant to Section 1.11(b) shall be considered part of
any related Borrowing of Eurodollar Loans that are Dollar Revolving Loans, (iii)
the incurrence of one Type of Canadian Revolving Loan by DBF from all of the
Canadian Lenders on a pro rata basis on a given date, having in the case of
                      --------
Bankers' Acceptance Loans, underlying Bankers' Acceptances with the same
maturities, (iv) a Competitive Bid Borrowing, (v) the incurrence of one Type of
Dollar Term Loan by Workflow from all of the Dollar Term Lenders on a pro rata
                                                                      --- ----
basis on the Effective Date (or resulting from conversion on a given date),
having in the case of Eurodollar Loans the same Interest Period, provided, that
Base Rate Loans that are Term Loans incurred pursuant to Section 1.11(b) shall
be construed part of any related Borrowing of Eurodollar Loans that are Term
Loans, and (vi) the incurrence of one Type of Canadian Term Loan by DBF from all
of the Canadian Lenders on a pro rata basis on the Canadian Term Out Date (or
                             --- ----
resulting from conversion on a given date), having in the case of Bankers'
Acceptance Loans the same maturity date.

     "Business Day" shall mean (i) for all purposes other than as covered by
clauses (ii) and (iii) below, any day excluding Saturday, Sunday and any day
which shall be in the Boston, Massachusetts a legal holiday or a day on which
banking institutions are authorized by law or other governmental actions to
close, (ii) with respect to all notices and determinations in connection with,
and payments of principal and interest on, Eurodollar Loans, any day which is a
Business Day described in clause

                                       76
<PAGE>

(i) above and which is also a day for trading by and between banks in U.S.
dollar deposits in the interbank Eurodollar market and (iii) with respect to all
notices and determinations in connection with, and payments of principal and
interest on, Canadian Loans made to DBF, any day which is a Business Day
described in clauses (i) and, if relevant, (ii) above and which is also a day
which is not a legal holiday or a day on which banking institutions are
authorized or required by law or other government action to close in Toronto,
Ontario and, if different, in the city where the applicable Payment Office of
the Canadian Co-Agent is located in respect of Canadian Loans.

     "Canadian Co-Agent" shall mean, initially, a Canadian Lender appointed as
such by the Agent on the Canadian Effective Date and, thereafter, any successor
to the Canadian Co-Agent appointed pursuant to Section 11.10.

     "Canadian Credit Party" shall mean DBF, each Canadian Parent and each other
Subsidiary of Workflow organized under the laws of Canada or any province
thereof.

     "Canadian Dollar Equivalent" shall mean, at any time for the determination
thereof, the amount of Canadian Dollars which could be purchased with the amount
of Dollars involved in such computation at the spot rate of exchange therefor as
quoted by the Agent as of 11:00 A.M. (New York time) on the date two Business
Days prior to the date of any determination thereof for purchase on such date.

     "Canadian Dollars" and "Cdn" shall mean freely and transferable lawful
money of Canada.

     "Canadian EBITDA Sublimit" at any time shall mean an amount equal to 2.5
times the Consolidated EBITDA of DBF and its Subsidiaries for the most recent
period of four consecutive fiscal quarters of DBF and its Subsidiaries for which
financial statements have been delivered.

     "Canadian Effective Date" shall have the meaning provided in Section 12.10.

     "Canadian General Guaranty" shall have the meaning provided in Section
5.10(b).

     "Canadian Guaranty" shall mean and include each of the Canadian General
Guaranty and each Canadian Parent Guaranty.

     "Canadian Lender" shall mean (i) each Lender listed on Annex I-B, and (ii)
each additional Person that becomes a Canadian Lender party hereto in accordance
with Section 1.14 or 12.04(b).  A Canadian Lender shall cease to be a "Canadian
Lender" when it has assigned all of its Canadian Sub-Commitment and Canadian
Term Loans in accordance with Section 1.14 and/or 12.04(b).  For purposes of
this Agreement, the term "Lender" includes each Canadian Lender unless the
context otherwise requires.

     "Canadian Loan Amount" have the meaning provided in Section 1.17(b).

     "Canadian Loans" shall mean the Canadian Revolving Loans and the Canadian
Term Loans.

     "Canadian Obligations" shall mean all Obligations in respect of the
Canadian Loans or any guaranty thereof and all Obligations to the Canadian Co-
Agent as such.

                                       77
<PAGE>

     "Canadian Notice Office" shall mean the office of the Canadian Co-Agent
designated as such by the Canadian Co-Agent by written notice to the Agent and
the Borrowers.

     "Canadian Parents" shall mean each of 1305995 Ontario and 1186202 Ontario.

     "Canadian Parent Guaranty" shall have the meaning provided in Section
5.10(b).

     "Canadian Percentage" of any Lender at any time shall mean a fraction
(expressed as a percentage) the numerator of which is the Canadian Sub-
Commitment of such Lender at such time and the denominator of which is the
aggregate amount of Canadian Sub-Commitments of all Canadian Lenders at such
time, provided that if the Canadian Percentage of any Canadian Lender is to be
      --------
determined after the Total Revolving Commitment has been terminated, then the
Canadian Percentage of the Canadian Lenders shall be determined immediately
prior (and without giving effect) to such termination.

     "Canadian Pledge Agreement" shall have the meaning provided in Section
5.11(b).

     "Canadian Prime Rate" shall mean, at any time, the greater of (i) the per
annum rate of interest quoted, published and commonly known as the "prime rate"
of the Canadian Co-Agent which the Canadian Co-Agent establishes at its main
office as the reference rate of interest in order to determine interest rates
for loans in Canadian Dollars to its Canadian borrowers, adjusted automatically
with each quoted or published change in such rate, all without necessity of any
notice to any Borrower or any other Person and (ii) the sum of (I) the average
of the rates per annum for Canadian Dollar bankers' acceptances having a term of
30 days that appears on the Reuters Screen CDOR Page as of 10:00 A.M. (Toronto
time) on the date of determination, as reported by the Canadian Co-Agent (and if
such screen is not available, any successor or similar services may be selected
by the Canadian Co-Agent), plus (II) 0.75%.

     "Canadian Prime Rate Loans" shall mean any Canadian Revolving Loans or
Canadian Term Loans designated or deemed designated as such by DBF at the time
of the incurrence thereof or conversion thereto.

     "Canadian Revolver Period" shall mean the period commencing on the
Effective Date to and including the date immediately preceding the Canadian Term
Out Date.

     "Canadian Revolving Loans" shall have the meaning provided in Section
1.01(a).

     "Canadian Revolving Note" shall have the meaning provided in Section
1.06(a).

     "Canadian Security Agreement" shall have the meaning provided in Section
5.11(c).

     "Canadian Sub-Commitment" shall mean, as to any Canadian Lender, (i) the
amount, if any, set forth opposite such Lender's name in Annex I-B directly
below the column entitled "Canadian Sub-Commitment", as same may be (x) reduced
from time to time pursuant to Sections 3.02, 3.03, 4.02(e) and/or 9 or (y)
adjusted from time to time as a result of assignments to or from such Lender
pursuant to Section 1.14, 1.16 or 12.04(b).  The Canadian Sub-Commitment of each
Canadian Lender is a sub-limit of the Revolving Commitment of the respective
Canadian Lender (or its respective Affiliate which is a Lender with the related
Revolving Commitment) and not an additional commitment and, in no event, may
exceed at any time, the Revolving Commitment of such Canadian

                                       78
<PAGE>

Lender (or its respective Affiliate which is a Lender with the related Revolving
Commitment). On and subsequent to the Canadian Term Out Date, the Canadian Sub-
Commitment of each Canadian Lender shall be equal to the aggregate amount of
Canadian Term Loans of such Canadian Lender.

     "Canadian Syndication Date" shall mean the date upon which the Agent
determines in its sole discretion (and notifies the Borrowers) that the primary
syndication of the Total Canadian Sub-Commitment (and the resulting addition of
institutions as Canadian Lenders pursuant to Section 12.04) has been completed.

     "Canadian Term Loans" shall mean the term loans to which the Canadian
Revolving Loans have been converted on the Canadian Term Out Date pursuant to
Section 1.17.

     "Canadian Term Note" shall have the meaning provided in Section 1.06(a).

     "Canadian Term Out Date" shall have the meaning provided in Section
1.17(a).

     "Canadian Term Out Period" shall mean the period beginning on the Canadian
Term Out Date and ending on the date when the Canadian Term Loans have been
indefeasibly repaid in full in cash.

     "Capital Expenditure Amount" shall mean, for any fiscal year of Workflow
set forth in Section 8.05(a), the sum of (x) $10,000,000 plus (y) 15% of the
Consolidated EBITDA of Workflow for the immediately preceding fiscal year.

     "Capital Lease," as applied to any Person, shall mean any lease of any
property (whether real, personal or mixed) by that Person as lessee which, in
conformity with GAAP, is accounted for as a capital lease on the balance sheet
of that Person.

     "Capitalized Lease Obligations" shall mean all obligations under Capital
Leases of Workflow or any of its Subsidiaries in each case taken at the amount
thereof accounted for as liabilities in accordance with GAAP.

     "Cash/Cancel Escrow Account" shall have the meaning given to such term in
Section 7.15 of the Credit Agreement.

     "Cash/Cancel Transaction" shall mean payment to the holders of options to
buy common stock of Workflow in exchange for the cancellation of such options
where (a) such options are held by certain individuals currently or formerly
associated with Workflow as employees, directors or otherwise, (b) the maximum
amount paid by Workflow for each option to buy one share of Workflow common
stock shall not exceed the lesser of (i) $35.00 less the exercise price of such
                                                ----
option and (ii) the market price of such share and, (c) such payments to the
holders of options to buy common stock may not occur prior to the successful
completion of the QPO, (d) the aggregate amount paid by Workflow to cancel such
options shall not exceed $60,000,000 and (e) the aggregate amount of proceeds of
the Loans that may be used to cancel options to buy common stock of Workflow may
not exceed the amounts set forth in Section 6.05 (a) and 7.15.

     "Cash Equivalents" shall mean (i) securities issued or directly and fully
guaranteed or insured by the United States of America or any agency or
instrumentality thereof (provided, that the full faith and credit of the United
States of America is pledged in support thereof) having maturities of not

                                       79
<PAGE>

more than six months from the date of acquisition, (ii) Dollar denominated time
deposits, certificates of deposit and bankers acceptances of (x) any Lender or
(y) any bank whose short-term commercial paper rating from Standard & Poor's
Ratings Service ("S&P") is at least A-1 or the equivalent thereof or from
Moody's Investors Service, Inc. ("Moody's") is at least P-1 or the equivalent
thereof (any such bank or Lender, an "Approved Lender"), in each case with
maturities of not more than six months from the date of acquisition, (iii)
commercial paper issued by any Approved Lender or by the parent company of any
Approved Lender and commercial paper issued by, or guaranteed by, any industrial
or financial company with a short-term commercial paper rating of at least A-1
or the equivalent thereof by S&P or at least P-1 or the equivalent thereof by
Moody's, or guaranteed by any industrial company with a long term unsecured debt
rating of at least A or A2, or the equivalent of each thereof, from S&P or
Moody's, as the case may be, and in each case maturing within six months after
the date of acquisition, (iv) marketable direct obligations issued by any state
of the United States of America or any political subdivision of any such state
or any public instrumentality thereof maturing within six months from the date
of acquisition thereof and, at the time of acquisition, having one of the two
highest ratings obtainable from either S&P or Moody's, (v) repurchase
obligations with a term of not more than seven days for underlying securities of
the type described in clause (i) above and entered into with any Approved
Lender, (vi) investments in money market funds substantially all the assets of
which are comprised of securities of the types described in clauses (i) through
(v) above and (vii) in the case of any Subsidiary of Workflow organized under
the laws of Canada or any province thereof, (A) government obligations of Canada
having maturities of not more than six months from the date of acquisition and
(B) Canadian Dollar denominated time deposits, certificates of deposit and
banker's acceptances of any Approved Lender, in each case with maturation of not
more than six months from the date of acquisition.

     "Cash Proceeds" shall mean, (i) with respect to any Asset Sale, the
aggregate cash payments (including any cash as and when received by way of
deferred payment pursuant to a promissory note, receivable or otherwise)
received by Workflow and/or any Subsidiary of Workflow from such Asset Sale,
(ii) with respect to any QPO, the aggregate cash payments received by Workflow
and/or any Subsidiary of Workflow (including, without limitation, iGetSmart.com)
from the QPO and (iii) with respect to any Recovery Event, the aggregate cash
payments received by Workflow and/or any Subsidiary of Workflow from such
Recovery Event.

     "Change of Control" shall mean if (a) any "person" or "group" (as such
terms are used in Sections 13(d) and 14(d) of the Exchange Act) (i) is or shall
become the "beneficial owner" (as defined in Rules 13(d)-3 and 13(d)-5 under the
Exchange Act), directly or indirectly, of 20% or more on a fully diluted basis
of the voting and economic interests of Workflow or (ii) shall have obtained the
power (whether or not exercised) to elect a majority of Workflow's directors or
(b) the Board of Directors of Workflow shall cease to consist of a majority of
Continuing Directors.

     "Code" shall mean the Internal Revenue Code of 1986, as amended from time
to time, and the regulations promulgated and rulings issued thereunder.  Section
references to the Code are to the Code, as in effect at the date of this
Agreement and any subsequent provisions of the Code, amendatory thereof,
supplemental thereto or substituted therefor.

     "Collateral" shall mean all of the Collateral as defined in (or subject to
the security interest of) each of the Security Documents, as well as all cash
and Cash Equivalents delivered as collateral pursuant to this Agreement.

     "Collateral Agent" shall mean the Agent acting as collateral agent for the
Secured Creditors.

                                       80
<PAGE>

     "Competitive Bid Borrowing" shall mean each borrowing of any Competitive
Bid Loan.

     "Competitive Bid Loan" shall have the meaning provided in Section 1.01(d)

     "Competitive Bid Loan Maturity Date" shall have the meaning provided in
Section 1.04(a).

     "Competitive Bid Notes" shall have the meaning provided in Section 1.06(a).

     "Confidential Information Memorandum" shall mean the Confidential
Information Memorandum, dated January, 2000, distributed to the Lenders prior to
the Effective Date in connection with this Agreement.

     "Consolidated Capital Expenditures" shall mean, for any period, the
aggregate of all expenditures (whether paid in cash or accrued as liabilities
and including in all events all amounts expended or capitalized under Capital
Leases but excluding any amount representing capitalized interest) by Workflow
and its Subsidiaries during that period that, in conformity with GAAP, are or
are required to be included in the property, plant or equipment reflected in the
consolidated balance sheet of Workflow and its Subsidiaries, provided that
Consolidated Capital Expenditures shall in any event include the purchase price
paid in connection with the acquisition of any Person (including through the
purchase of all of the capital stock or other ownership interests of such Person
or through merger or consolidation) to the extent allocable to property, plant
and equipment.

     "Consolidated EBIT" shall mean, for any period with respect to any Person,
Consolidated Net Income of such Person, before (i) interest income, (ii)
Consolidated Interest Expense, and (iii) provision for taxes and without giving
effect to any extraordinary gains or extraordinary losses or gains from sales of
assets (other than sales of inventory in the ordinary course of business).

     "Consolidated EBITDA" shall mean, for any period with respect to any
Person, Consolidated EBIT of such Person for such period, adjusted by adding
thereto the amount of all depreciation expense and amortization expense deducted
in determining such Consolidated EBIT for such period, provided that there shall
be included in determining Consolidated EBITDA of Workflow or any of its
Subsidiaries for any period, the Consolidated EBITDA for each Acquired Business
acquired by such Person or any Subsidiary of such Person during such period for
the portion of such period prior to such acquisition but excluding, in a manner
and to the extent satisfactory to the Agent, (i) any non-recurring charges (as
determined pursuant to GAAP) incurred in connection with the Transaction
otherwise included in the computation of Consolidated EBITDA and (ii) from the
computation of Consolidated EBITDA of such Acquired Business, any non-recurring
charges (as determined pursuant to GAAP) otherwise included in such computation.

     "Consolidated Interest Coverage Ratio" shall mean, for any period, the
ratio of Consolidated EBITDA to Consolidated Interest Expense for such period.

     "Consolidated Interest Expense" shall mean, for any period with respect to
any Person, the total interest expense (including that attributable to Capital
Leases in accordance with GAAP) of such Person determined on a consolidated
basis with respect to all outstanding Indebtedness of such Person, including,
without limitation, all commissions, discounts and other fees and charges owed
with respect to letters of credit and bankers' acceptance financing, but
excluding, however, amortization of deferred financing costs to the extent
included in total interest expense, provided that

                                       81
<PAGE>

there shall be included in determining Consolidated Interest Expense of Workflow
or any of its Subsidiaries for any period, (x) the Consolidated Interest Expense
for each Acquired Business acquired by such Person or any Subsidiary of such
Person during such period for the portion of such period prior to such
acquisition and (y) the additional interest that would have been paid on all
Indebtedness incurred by such Person and its Subsidiaries to finance each
Permitted Acquisition effected during such period if, in each such case, such
Indebtedness had been incurred on the first day of such period, as reasonably
determined by Workflow in a manner satisfactory to the Agent.

     "Consolidated Net Income" shall mean, for any period with respect to any
Person, the net income (or loss), after provision for taxes, of such Person on a
consolidated basis (but after deduction for minority interests) for such period
taken as a single accounting period, provided that (i) the net income (but not
loss) of any Person that is not a Subsidiary of Workflow or that is accounted
for by Workflow by the equity method of accounting shall be included only to the
extent of such amount of cash dividends or distributions paid to Workflow or a
Wholly-Owned Subsidiary thereof, (ii) the net income of any Subsidiary of
Workflow shall be excluded to the extent that the declaration or payment of
dividends or distributions by such Subsidiary of that net income is not as at
the date of determination permitted by operation of the terms of its charter or
any agreement, instrument, judgment, decree, order, statute, law, rule or
governmental regulation and (iii) the net income of any Person acquired in a
pooling of interests transaction for any period prior to the date of such
acquisition shall be excluded.

     "Contingent Obligations" shall mean, as to any Person, any obligation of
such Person guaranteeing or intended to guarantee any Indebtedness, leases,
dividends or other obligations ("primary obligations") of any other Person (the
"primary obligor") in any manner, whether directly or indirectly, including,
without limitation, any obligation of such Person, whether or not contingent,
(a) to purchase any such primary obligation or any property constituting direct
or indirect security therefor, (b) to advance or supply funds (x) for the
purchase or payment of any such primary obligation or (y) to maintain working
capital or equity capital of the primary obligor or otherwise to maintain the
net worth or solvency of the primary obligor, (c) to purchase property,
securities or services primarily for the purpose of assuring the owner of any
such primary obligation of the ability of the primary obligor to make payment of
such primary obligation or (d) otherwise to assure or hold harmless the owner of
such primary obligation against loss in respect thereof; provided, however, that
the term Contingent Obligation shall not include endorsements of instruments for
deposit or collection in the ordinary course of business.  The amount of any
Contingent Obligation, shall be deemed to be an amount equal to the stated or
determinable amount of the primary obligation in respect of which such
Contingent Obligation is made or, if not stated or determinable, the maximum
reasonably anticipated liability in respect thereof (assuming such Person is
required to perform thereunder) as determined by such Person in good faith.

     "Continuing Directors" shall mean the directors of Workflow on the
Effective Date and each other director thereof if such director's nomination for
the election to the Board of Directors of Workflow is recommended by a majority
of the then Continuing Directors.

     "Credit Documents" shall mean this Agreement, each Note, each Bankers'
Acceptance, each Guaranty, and each Security Document.

     "Credit Event" shall mean (i) the occurrence of the Effective Date and (ii)
the making of a Loan or the issuance of a Letter of Credit.

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<PAGE>

     "Credit Party" shall mean each U.S. Credit Party, each Canadian Credit
Party and each other Foreign Subsidiary of Workflow that is required to execute
a Credit Document pursuant to this Agreement.

     "DBF" shall have the meaning provided in the introductory paragraph of this
Agreement.

     "Default" shall mean any event, act or condition which with notice or lapse
of time, or both, would constitute an Event of Default.

     "Defaulting Lender" shall mean any Lender with respect to which a Lender
Default is in effect.

     "Discount Rate" shall mean, in respect of any Bankers' Acceptances to be
purchased by a Canadian Lender pursuant to Section 1.01 and Annex III, the
discount rate (calculated on an annual basis and rounded to the nearest 1/100 of
1%, with 5/1000 of 1% being rounded up) quoted by such Canadian Lender at 10:00
A.M. (Toronto time) as the discount rate at which such Canadian Lender would
purchase, on the relevant Drawing Date, its own bankers' acceptances having an
aggregate Face Amount equal to and with a term to maturity the same as the
Bankers' Acceptances to be acquired by such Canadian Lender on such Drawing
Date.

     "Dividends" shall have the meaning provided in Section 8.07.

     "Documents" shall mean the Credit Documents and, after the execution
thereof, the QPO Documents (it being understood that nothing in this Agreement
shall require Workflow to consummate the QPO).

     "Dollar Equivalent" of an amount denominated in Canadian Dollars shall
mean, at any time for the determination thereof, the amount of Dollars which
could be purchased with the amount of Canadian Dollars involved in such
computation at the spot exchange rate therefor as quoted by the Agent as of
11:00 A.M. (New York time) on the date two Business Days prior to the date of
any determination thereof for purchase on such date; provided that for purposes
                                                     --------
of (x) determining compliance with Sections 1.01, 2.01(c) and 4.02(a) and (y)
calculating Fees pursuant to Section 3.01, the Dollar Equivalent of any amounts
outstanding in a currency other than Dollars shall be revalued on a monthly
basis using the spot exchange rate therefor quoted in the Wall Street Journal on
the last Business Day of each month, provided that, at any time during a month,
                                     --------
if the full principal amount of Canadian Loans permitted to be incurred pursuant
to this Agreement (i.e. up to the full amount of the respective Canadian Sub-
                   ----
Commitments as then in effect) were incurred, and if the Dollar Equivalent as
recalculated based on the exchange rate therefor quoted in the Wall Street
Journal on the respective date of determination pursuant to this exception would
result in an increase in the Dollar Equivalent as then in effect of such amounts
of 5% or more, then at the discretion of the Agent or at the request of the
Required Lenders, the Dollar Equivalent shall be reset based upon the exchange
rates quoted on such date in the Wall Street Journal, which rates shall remain
in effect until the last Business Day of such month or such earlier date, if
any, as the rate is reset pursuant to this proviso.  Notwithstanding anything to
the contrary contained in this definition, at any time that a Default or an
Event of Default then exists, the Agent may revalue the Dollar Equivalent of any
amounts outstanding under the Credit Documents in a currency other than Dollars
in its sole discretion.

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<PAGE>

     "Dollar Loan" shall mean each Dollar Revolving Loan, each Competitive Bid
Loan, and each Swingline Loan and each Dollar Term Loan.

     "Dollar Percentage" of any Lender at any time shall mean a fraction
(expressed as a percentage) the numerator of which is the Dollar Revolving Sub-
Commitment of such Lender at such time and the denominator of which is the
aggregate amount of Dollar Revolving Sub-Commitments of all Lenders at such
time.  Notwithstanding anything to the contrary contained above, if the Dollar
Percentage of any Lender is to be determined after the Total Revolving
Commitment has been terminated, then the Dollar Percentages of the Lenders shall
be determined immediately prior (and without giving effect) to such termination.

     "Dollar Revolving Loan" shall have the meaning provided in Section 1.01(a).

     "Dollar Revolving Note" shall have the meaning provided in Section 1.06(a).

     "Dollar Revolving Sub-Commitment" shall mean, for any Lender at any time,
such Lender's Revolving Commitment at such time minus, in the case of a Lender
that is, or whose Affiliate is, a Canadian Lender, such Canadian Lender's
Canadian Sub-Commitment at such time.

     "Dollar Term Lenders" shall mean at any time any Lender with a Dollar Term
Loan Commitment or to which Dollar Term Loans are owing at such time.

     "Dollar Term Loan Commitment" shall mean, at any time and with respect to
each Lender, the amount set forth opposite such Lender's name in Annex I-C
directly under the column entitled "Dollar Term Loan Commitment" as the same may
be reduced from time to time pursuant to Sections 9 or 4.02(e) or adjusted from
time to time as a result of assignments to or from such Lender as provided for
in Sections 1.14 and 12.04.

     "Dollar Term Loan Percentage" of any Lender at any time shall mean a
fraction (expressed as a percentage) the numerator of which is the Dollar Term
Loans outstanding of such Lender at such time and the denominator of which is
the total Term Loans outstanding at such time.  Notwithstanding anything to the
contrary contained above, if the Dollar Term Loan Percentage of any Lender is to
be determined after the Term Loans have been repaid in full, then the Dollar
Term Loan Percentages of the Lenders shall be determined immediately prior (and
without giving effect) to such payment.

     "Dollar Term Loans" shall have the meaning provided in Section 1.01(b).

     "Dollars" and the sign "$" shall each mean freely transferable lawful money
of the United States.

     "Dollar Term Note" shall have the meaning provided in Section 1.06(a).

     "Domestic Subsidiary" shall mean each Subsidiary of Workflow which is not a
Foreign Subsidiary.

     "Draft" shall mean, at any time, a blank bill of exchange, within the
meaning of the Bills of Exchange Act (Canada), drawn by any Borrower on Canadian
               ---------------------
Lender and bearing such

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<PAGE>

distinguishing letters and numbers as such Canadian Lender may determine, but
which at such time has not been completed or accepted by such Canadian Lender.

     "Drawing Date" shall mean any Business Day fixed pursuant to Annex III for
the creation and purchase of Bankers' Acceptances by a Canadian Lender.

     "Effective Date" shall have the meaning provided in Section 12.10.

     "Eligible Transferee" shall mean and include a commercial bank, financial
institution, any fund that invests in loans or any other "accredited investor"
(as defined in SEC Regulation D).

     "Environmental Claims" shall mean any and all administrative, regulatory or
judicial actions, suits, demands, demand letters, claims, liens, notices of non-
compliance or violation, investigations or proceedings relating in any way to
any Environmental Law (hereafter "Claims") or any permit issued under any such
law, including, without limitation, (a) any and all Claims by governmental or
regulatory authorities for enforcement, cleanup, removal, response, remedial or
other actions or damages pursuant to any applicable Environmental Law, and (b)
any and all Claims by any third party seeking damages, contribution,
indemnification, cost recovery, compensation or injunctive relief resulting from
Hazardous Materials or arising from alleged injury or threat of injury to
health, safety or the environment.

     "Environmental Law" shall mean any federal, state, foreign or local
statute, law, rule, regulation, ordinance, code, policy or rule of common law
now or hereafter in effect and in each case as amended, and any judicial or
administrative interpretation thereof, including any judicial or administrative
order, consent, decree or judgment, relating to the environment, health, safety
or Hazardous Materials, including, without limitation, CERCLA, RCRA, the Federal
Water Pollution Control Act, as amended, 33 U.S.C. (S)  1251 et seq., the Toxic
                                                             -------
Substances Control Act, 15 U.S.C. (S) 7401 et seq., the Clean Air Act, 42 U.S.C.
                                           -------
(S) 7401 et seq., the Safe Drinking Water Act, 42 U.S.C. (S) 3808 et seq., the
         -------                                                  -------
Oil Pollution Act of 1990, 33 U.S.C. (S) 2701 et seq., the Emergency Planning
                                              -------
and the Community Right-to-Know Act of 1986, 42 U.S.C. (S) 11001 et seq., the
                                                                 -------
Hazardous Material Transportation Act, 49 U.S.C. (S) 1801 et seq., the
                                                          -------
Occupational Safety and Health Act, 29 U.S.C. (S) 651 et seq., and any
                                                      -------
applicable state and local or foreign counterparts or equivalents.

     "ERISA" shall mean the Employee Retirement Income Security Act of 1974, as
amended from time to time, and the regulations promulgated and rulings issued
thereunder.  Section references to ERISA are to ERISA, as in effect at the date
of this Agreement and any subsequent provisions of ERISA, amendatory thereof,
supplemental thereto or substituted therefor.

     "ERISA Affiliate" shall mean each person (as defined in Section 3(9) of
ERISA) which together with Workflow or a Subsidiary of Workflow would be deemed
to be a "single employer" (i) within the meaning of Section 414(b), (c), (m) or
(o) of the Code or (ii) as a result of Workflow or a Subsidiary of Workflow
being or having been a general partner of such person.

     "Eurodollar Loans" shall mean each Dollar Revolving Loan and Dollar Term
Loan designated as such by Workflow of the time of incurrence thereof or
conversion thereto.

     "Eurodollar Rate" shall mean, with respect to each Interest Period for a
Eurodollar Loan, (i) the arithmetic average (rounded to the nearest 1/100 of 1%)
of the offered quotations to first-class banks in the interbank Eurodollar
market by the Agent for Dollar deposits of amounts in same day

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<PAGE>

funds comparable to the outstanding principal amount of the Eurodollar Loan of
the Agent for which an interest rate is then being determined with maturities
comparable to the Interest Period to be applicable to such Eurodollar Loan,
determined as of 10:00 A.M. (New York time) on the date which is two Business
Days prior to the commencement of such Interest Period divided (and rounded
upward to the next whole multiple of 1/16 of 1%) by (ii) a percentage equal to
100% minus the then stated maximum rate of all reserve requirements (including,
without limitation, any marginal, emergency, supplemental, special or other
reserves) applicable to any member bank of the Federal Reserve System in respect
of Eurocurrency liabilities as defined in Regulation D (or any successor
category of liabilities under Regulation D).

     "Event of Default" shall have the meaning provided n Section 9.

     "Existing Credit Agreement" shall mean the Credit Agreement, dated as of
June 9, 1998, among the Borrowers, the "Lenders" as defined therein and Bankers
Trust Company as "Agent" as defined therein, as amended and restated pursuant to
that Amendment and Restatement of Credit Agreement dated as of December 4, 1998
and as further amended, restated, modified and in effect immediately prior to
the Effective Date.

     "Existing Debt" shall have the meaning provided in Section 6.21.

     "Existing Indebtedness Agreements" shall have the meaning provided in
Section 5.15(vi).

     "Existing Subordinated Indebtedness" shall mean the Indebtedness in an
original principal amount of $4,878,000 (and in the principal amount of no more
than $4,100,000 on and after the Effective Date) of Workflow issued under the
Subscription and Investment Representation Agreements and 12% Subordinate
Promissory Notes dated as of January 19, 1999, as in effect on such date.

     "Extension Request Date" shall have the meaning provided in Section
1.17(a).

     "Face Amount" shall mean, in respect of a Bankers' Acceptance, the amount
payable to the holder thereof on its maturity.  The Face Amount of any Bankers'
Acceptance Loan shall be equal to the Face Amounts of the underlying Bankers'
Acceptances.

     "Facility Fee" shall have the meaning provided in Section 3.01(a).

     "Facing Fee" shall have the meaning provided in Section 3.01(c).

     "Federal Funds Effective Rate" shall mean, for any period, a fluctuating
interest rate equal for each day during such period to the weighted average of
the rates on overnight Federal Funds transactions with members of the Federal
Reserve System arranged by Federal Funds brokers, as published for such day (or,
if such day is not a Business Day, for the next preceding Business Day) by the
Federal Reserve Lender of New York, or, if such rate is not so published for any
day which is a Business Day, the average of the quotations for such day on such
transactions received by the Agent from three Federal Funds brokers of
recognized standing selected by the Agent.

     "Fees" shall mean all amounts payable pursuant to, or referred to in,
Section 3.01.

     "Final Maturity Date" shall mean March 10, 2004.

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<PAGE>

     "Fleet" shall mean Fleet National Bank and any successor corporation
thereto by merger, consolidation or otherwise.

     "Foreign Pension Plan" shall mean any plan, fund (including, without
limitation, any superannuation fund) or other similar program established or
maintained outside the United States of America by Workflow or any one or more
of its Subsidiaries primarily for the benefit of employees of Workflow or such
Subsidiaries residing outside the United States of America, which plan, fund or
other similar program provides, or results in, retirement income, a deferral of
income in contemplation of retirement or payments to be made upon termination of
employment, and which plan is not subject to ERISA or the Code.

     "Foreign Subsidiary" shall mean each Subsidiary of Workflow that is
incorporated under the laws of any jurisdiction other than the United States of
America or any State thereof.

     "GAAP" shall mean generally accepted accounting principles in the United
States of America as in effect from time to time; it being understood and agreed
that determinations in accordance with GAAP for purposes of Section 8, including
defined terms as used therein, are subject (to the extent provided therein) to
Section 12.07(a).

     "Guarantor" shall mean and include Workflow, in is capacity as a Guarantor
under the Canadian General Guaranty, and each Subsidiary Guarantor.

     "Guaranty" shall mean and include each of the U.S. Subsidiaries Guaranty,
the Canadian General Guaranty, each Canadian Parent Guaranty and each other
guaranty required to be executed pursuant to Section 8.12.

     "Hazardous Materials" shall mean (a) any petrochemical or petroleum
products, radioactive materials, asbestos in any form that is or could become
friable, urea formaldehyde foam insulation, transformers or other equipment that
contain dielectric fluid containing levels of polychlorinated biphenyls, and
radon gas, (b) any chemicals, materials or substances defined as or included in
the definition of "hazardous substances," "hazardous wastes," "hazardous
materials," "restricted hazardous materials," "extremely hazardous wastes,"
"restrictive hazardous wastes," "toxic substances," "toxic pollutants,"
"contaminants" or "pollutants," or words of similar meaning and regulatory
effect under any applicable Environmental Law and (c) any other chemical,
material or substance, the Release of which is prohibited, limited or regulated
by any applicable Environmental Law.

     "iGetSmart.com" shall mean iGetSmart.com, Inc., a Delaware corporation.

     "Indebtedness" shall mean, as to any Person, without duplication, (i) all
indebtedness of such Person for borrowed money, (ii) the deferred purchase price
of assets or services payable to the sellers thereof or any of such seller's
assignees which in accordance with GAAP would be shown on the liability side of
the balance sheet of such Person, (iii) the face amount of all letters of
credit, bankers' acceptances and similar obligations issued and outstanding for
the account of such Person and, without duplication, all drafts drawn
thereunder, (iv) all Indebtedness of a second Person secured by any Lien on any
property owned by such first Person, whether or not such Indebtedness has been
assumed (provided that if such Indebtedness has not been assumed, such amount
shall be equal to the fair market value of the property subject to such Lien),
(v) all Capitalized Lease

                                       87
<PAGE>

Obligations of such Person, (vi) all obligations of such Person to pay a
specified purchase price for goods or services whether or not delivered or
accepted, i.e., take-or-pay and similar obligations, (vii) all obligations of
          ---
such Person under Interest Rate Protection Agreements and Other Hedging
Agreements and (viii) all Contingent Obligations of such Person; provided, that
                                                                 --------
Indebtedness shall not include trade payables and accrued expenses, in each case
arising in the ordinary course of business.

     "Indemnitee" shall have the meaning provided in Section 12.01.

     "Initial Rate Period" shall mean the period from the Effective Date to the
earlier of (a)
the six month anniversary of the Effective Date and (b) the closing of the QPO.

     "Intercompany Note" shall mean a promissory note substantially in the form
of Exhibit L.

     "Interest Period" shall mean, with respect to any Eurodollar Loan, the
interest period applicable thereto, as determined pursuant to Section 1.10.

     "Interest Rate Protection Agreement" shall mean any interest rate swap
agreement, interest rate cap agreement, interest rate collar agreement, interest
rate hedging agreement or other similar agreement or arrangement.

     "Investment" shall have the meaning provided in Section 8.06.

     "Judgment Currency" shall have the meaning provided in Section 12.18(a).

     "Judgment Currency Conversion Date" shall have the meaning provided in
Section 12.18(a).

     "Leasehold" of any Person shall mean all of the right, title and interest
of such Person as lessee or licensee in, to and under leases or licenses of
land, improvements and/or fixtures.

     "Lender" shall mean each lender listed on Annex I-A, as well as each Person
which becomes a "Lender" hereunder pursuant to Section 1.14 or 12.04(b).  Unless
the context otherwise requires, each reference in this Agreement to a Lender
includes each Canadian Lender and shall include references to any Affiliate of
any such Lender which is acting as a Canadian Lender.

     "Lender Default" shall mean (i) the refusal (which has not been retracted)
of a Lender to make available its portion of any incurrence of Loans or to fund
its portion of any unreimbursed payment under Section 2.04(c) or (ii) a Lender
having notified the Agent and/or the Borrower that it does not intend to comply
with the obligations under Section 1.01 or under Section 2.04(c).

     "Letter of Credit" shall have the meaning provided in Section 2.01(a).

     "Letter of Credit Fee" shall have the meaning provided in Section 3.01(b).

     "Letter of Credit Issuer" shall mean Fleet.

     "Letter of Credit Outstandings" shall mean, at any time, the sum of,
without duplication, (i) the aggregate Stated Amount of all outstanding Letters
of Credit and (ii) the aggregate amount of all Unpaid Drawings in respect of all
Letters of Credit.

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<PAGE>

     "Letter of Credit Request" shall have the meaning provided in Section
2.02(a).

     "Leverage Ratio" shall mean, as at any date with respect to any Person, the
ratio of Total Indebtedness at such date to Consolidated EBITDA for the Test
Period then last ended (including on such date), in each case of such Person.

     "Lien" shall mean any mortgage, pledge, hypothecation, assignment,
encumbrance, lien (statutory or otherwise) preference, priority, charge or other
security arrangement of any kind (including any agreement to give any of the
foregoing, any conditional sale or other title retention agreement, any
financing or similar statement or notice filed under the UCC or any similar
recording or notice statute, and any lease having substantially the same effect
as the foregoing).

     "Loan" shall mean each Revolving Loan, each Swingline Loan each Competitive
Bid Loan and each Term Loan.

     "Management Agreements" shall have the meaning provided in Section
5.15(iv).

     "Mandatory Borrowing" shall have the meaning provided in Section
1.01(c)(C).

     "Margin Stock" shall have the meaning provided in Regulation U.

     "Material Adverse Effect" shall mean a material adverse effect on (i) the
business, assets, properties, operations, condition (financial or otherwise),
liabilities or prospects of any Borrower or any Borrower and its Subsidiaries
taken as a whole, (ii) the rights or remedies of the Lenders under the Credit
Documents or (iii) the ability of any Borrower or any other Credit Party to
perform its respective obligations to the Lenders under the Credit Documents.

     "Material Real Property" shall mean any Real Property owned by Workflow or
any Subsidiary Guarantor having a fair market value of $500,000 or more.

     "Material Subsidiary" shall mean and include (x) each Subsidiary of
Workflow which owns any capital stock of another Subsidiary of Workflow, (y)
each Subsidiary of Workflow which owns a Material Real Property and (z) any
other Subsidiary of Workflow either having total assets (including intercompany
loans owed to such Subsidiary) the value of which equals or exceeds $3,000,000
at any time or which has issued any nonqualified preferred stock as defined in
Section 351(g)(2) of the Code.

     "Maximum Swingline Amount" shall mean $5,000,000.

     "Minimum Borrowing Amount" shall mean (i) for Revolving Loans or Term Loans
that are maintained as Base Rate Loans, $500,000; (ii) for Revolving Loans or
Term Loans that are maintained as Eurodollar Loans, $2,500,000; (iii) for
Swingline Loans, $250,000; (iv) for Loans that are maintained as Canadian Prime
Rate Loans, Cdn $250,000; (v) in the case of Bankers' Acceptance Loans, the
amount specified in Annex III; and (vi) in the case of Competitive Bid Loans,
$5,000,000.

     "Mortgage" shall mean each mortgage, deed to secure debt, debenture,
hypothec, deed of trust or similar agreement pursuant to which any Credit Party
shall have granted to the Collateral Agent a mortgage lien on such Credit
Party's Mortgaged Property.

                                       89
<PAGE>

     "Mortgage Policies" shall have the meaning provided in Section 5.12 (ii).

     "Mortgaged Property" shall mean each parcel of Real Property owned or
leased by any Credit Party which is encumbered by a Mortgage.

     "Net Cash Proceeds" shall mean, with respect to any Asset Sale, the Cash
Proceeds resulting therefrom net of expenses of sale (including payment of
principal, premium and interest of other Indebtedness secured by the assets the
subject of such Asset Sale and required to be, and which is, repaid under the
terms thereof as a result of such Asset Sale), and incremental taxes paid or
payable as a result thereof.

     "Net Insurance Proceeds" shall mean, with respect to any Recovery Event,
the Cash Proceeds (net of reasonable costs and taxes incurred in connection with
such Recovery Event) received in connection with the respective Recovery Event.

     "Net QPO Proceeds" shall mean, with respect to the QPO, the Cash Proceeds
resulting therefrom net of expenses of the QPO, and incremental taxes paid or
payable as a result thereof.

     "Non-Defaulting Lender" shall mean each Lender other than a Defaulting
Lender.

     "Non-OEI Letter of Credit Outstandings" shall mean, at any time, the sum
of, without duplication, (i) the aggregate Stated Amount of all outstanding
Letters of Credit other than the OEI Letters of Credit and (ii) the aggregate
amount of all Unpaid Drawings in respect of all Letters of Credit other than the
OEI Letters of Credit.

     "Note" shall mean each Dollar Revolving Note, each Canadian Revolving Note,
the Swingline Note, each Term Note and each Competitive Bid Note.

     "Notice of Borrowing" shall have the meaning provided in Section 1.03(a).

     "Notice of Competitive Bid Borrowing" shall have the meaning provided in
Section 1.04(a).

     "Notice of Conversion" shall have the meaning provided in Section 1.07 (a).

     "Notice Office" shall mean the office of the Agent located at 1 Federal
Street, Boston, MA 02110, MA-OF-DO7C (tel.: 617-346-4665; fax: 617-346-5409),
Attention: Agency Services.

     "Obligation Currency" shall have the meaning provided in Section 12.18(a).

     "Obligations" shall mean all amounts, direct or indirect, contingent or
absolute, of every type or description, and at any time existing, owing to the
Agent, the Collateral Agent, the Canadian Co-Agent, the Letter of Credit Issuer
or any Lender pursuant to the terms of this Agreement or any other Credit
Document.

     "OEI Acquisition" shall mean the acquisition pursuant to the OEI Purchase
Agreement by the Borrowers or their Subsidiaries subsequent to the Effective
Date of all of the outstanding capital stock of Office Electronics, Inc. for an
aggregate purchase price not to exceed $21,000,000, of which

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<PAGE>

not more than $10,500,000 will be paid in cash on the date the OEI Acquisition
becomes effective and the remainder shall be paid with the OEI Promissory Notes.

     "OEI Letters of Credit" shall mean the Letters of Credit issued to Workflow
to secure its obligations in respect of the OEI Promissory Notes.

     "OEI Letter of Credit Outstandings" shall mean, at any time, the sum of,
without duplication, (i) the aggregate Stated Amount of all outstanding OEI
Letters of Credit and (ii) the aggregate amount of all Unpaid Drawings in
respect of all OEI Letters of Credit.

     "OEI Purchase Agreement" shall mean the Purchase Agreement among Workflow,
Office Electronics, Inc. and the other parties thereto pursuant to which
Workflow makes the OEI Acquisition.

     "OEI Promissory Notes" shall mean the promissory note by Workflow payable
to the order of the "OEI Stockholders Agent" as defined in the OEI Purchase
Agreement in the aggregate principal amount of $2,500,000 and due six months
after the effective date of the OEI Acquisition and the promissory note by
Workflow payable to the order of "OEI Stockholders Agent" as defined in the OEI
Purchase Agreement in the aggregate principal amount of $8,000,000 and due one
year after the effective date of the OEI Acquisition

     "1186202 Ontario" shall mean 1186202 Ontario Limited, an Ontario
corporation and the direct parent company of 1305995 Ontario.

     "1305995 Ontario" shall mean 1305995 Ontario Inc, an Ontario corporation
and the direct parent company of DBF.

     "Other Hedging Agreement" shall mean any foreign exchange contracts,
currency swap agreements, commodity agreements or other similar agreements or
arrangements designed to protect against the fluctuation in currency values.

     "Participant" shall have the meaning provided in Section 2.04(a).

     "Payment Office" shall mean (i) in respect of Dollar Loans, incurred by
Workflow, Letters of Credit, Fees and, except as provided in clause (ii) below,
all other amounts owing under this Agreement and the other Credit Documents, the
office of the Agent located at One Federal Street, Boston, MA 02110, ABA Number:
011500010, Reference: Workflow, Account Number:  151035203156, Attention: Agency
Services (MA DE 10307C) and (ii) in respect of Canadian Loans incurred by DBF,
such office as the Canadian Co-Agent may designate in writing as such to the
other parties hereto.

     "PBGC" shall mean the Pension Benefit Guaranty Corporation established
pursuant to Section 4002 of ERISA, or any successor thereto.

     "Percentage" of any Lender at any time shall mean a fraction (expressed as
a percentage) the numerator of which is the Revolving Commitment of such Lender
at such time and the denominator of which is the Total Revolving Commitment at
such time.  Notwithstanding anything to the contrary contained above, if the
Percentage of any Lender is to be determined after the Total Revolving

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<PAGE>

Commitment has been terminated, then the Percentages of the Lenders shall be
determined immediately prior (and without giving effect) to such termination.

     "Permitted Acquisition" shall have the meaning provided in Section 8.02(f).

     "Permitted Encumbrance" shall mean, with respect to any Mortgaged Property,
such exceptions to title as are set forth in the Mortgage Policy delivered with
respect thereto, all of which exceptions must be acceptable, on the date of
delivery of such Mortgage Policy, to the Agent.

     "Permitted Liens" shall have the meaning provided in Section 8.03.

     "Person" shall mean any individual, partnership, joint venture, firm,
corporation, limited liability company, association, trust or other enterprise
or any government or political subdivision or any agency, department or
instrumentality thereof.

     "Plan" shall mean any pension plan as defined in Section 3(2) of ERISA,
which is maintained or contributed to by (or to which there is an obligation to
contribute of) Workflow or a Subsidiary of Workflow or an ERISA Affiliate, and
each such plan for the five year period immediately following the latest date on
which Workflow, or a Subsidiary of Workflow or an ERISA Affiliate maintained,
contributed to or had an obligation to contribute to such plan.

     "Pledge Agreement" shall mean and include each of the U.S. Pledge
Agreement, each Canadian Pledge Agreement and each other pledge agreement
required to be executed pursuant to Section 8.12.

     "Pledged Securities" shall mean all the Pledged Securities as defined in
the applicable Pledge Agreement.

     "Prime Lending Rate" shall mean the rate which the Agent announces from
time to time as its prime lending rate, the Prime Lending Rate to change when
and as such prime lending rate changes.  The Prime Lending Rate is a reference
rate and does not necessarily represent the lowest or best rate actually charged
to any customer.  The Agent may make commercial loans or other loans at rates of
interest at, above or below the Prime Lending Rate.

     "Purchase Pro.com Shares" shall mean shares of common stock of Purchase
Pro.com, Inc., a Nevada corporation.

     "PSD Interest Period" shall mean an Interest Period commenced prior to the
Syndication Date, each of which Interest Periods must satisfy the requirements
of Section 1.10(v).

     "QPO"  shall mean an initial public offering of the common stock of
iGetSmart.com.

     "QPO Documents"  shall mean the registration statement of iGetSmart.com
relating to the registration of its common stock in connection with the QPO, and
all other documents or agreements related to the consummation of the QPO,
including, without limitation, all underwriting or similar agreements and all
documents related thereto filed with the SEC.

     "Qualified Preferred Stock" shall mean any preferred stock of Workflow so
long as the terms of any such preferred stock (i) do not provide any collateral
security, (ii) do not provide any guaranty

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or other support by any Subsidiary of Workflow, (iii) do not require the cash
payment of dividends, (iv) do not contain any mandatory put, redemption,
repayment, sinking fund or other similar provision, (v) do not contain any
covenants other than periodic reporting requirements, (vi) do not grant the
holders thereof any voting rights except for (x) voting rights required to be
granted to such holders under applicable law and (y) limited customary voting
rights on fundamental matters such as mergers, consolidations, sales of all or
substantially all of the assets of Workflow or liquidations involving Workflow,
(vii) do not provide for the conversion into, or the exchange for (unless at the
sole discretion of the issuer thereof), debt securities and (viii) are otherwise
reasonably satisfactory to the Agent.

     "Real Property" of any Person shall mean all of the right, title and
interest of such Person in and to land, improvements and fixtures, including
Leaseholds.

     "Recovery Event" shall mean the receipt by Workflow or any of its
Subsidiaries of any cash insurance proceeds or condemnation awards payable (i)
by reason of theft, loss, physical destruction, damage, taking or any other
similar event with respect to any property or assets of Workflow or any of its
Subsidiaries and (ii) under any policy of insurance required to be maintained
under Section 7.03.

     "Register" shall have the meaning provided in Section 12.17.

     "Regulation D" shall mean Regulation D of the Board of Governors of the
Federal Reserve System as from time to time in effect and any successor to all
or a portion thereof establishing reserve requirements.

     "Regulation T" shall mean Regulation T of the Board of Governors of the
Federal Reserve System as from time to time in effect and any successors to all
or a portion thereof.

     "Regulation U" shall mean Regulation U of the Board of Governors of the
Federal Reserve System as from time to time in effect and any successor to all
or a portion thereof establishing margin requirements.

     "Regulation X" shall mean Regulation X of the Board of Governors of the
Federal Reserve System as from time to time in effect and any successor to all
or a portion thereof.

     "Reinvestment Assets" shall mean (i) in the case of any Asset Sale, any
assets to be employed in, and/or the capital stock of any Person engaged in, the
business of Workflow and its Subsidiaries, and (ii) in the case of any Recovery
Event, any assets purchased or constructed in replacement of the assets subject
to such Recovery Event.

     "Reinvestment Election" shall have the meaning provided in Section 3.03(b).

     "Reinvestment Notice" shall mean a written notice signed by the president,
any vice-president or an Authorized Financial Officer of Workflow or DBF stating
that Workflow, in good faith, intends and expects to use all or a specified
portion of (i) the Net Cash Proceeds of an Asset Sale to purchase, construct or
otherwise acquire Reinvestment Assets or (ii) the Net Insurance Proceeds of a
Recovery Event to purchase or construct Reinvestment Assets, which Reinvestment
Notice also shall set forth (in each case) in reasonable detail the approximate
amount of the

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transaction costs and incremental taxes incurred or payable in connection with
any such Asset Sale or Recovery Event.

     "Reinvestment Reduction Amount" shall mean, with respect to any
Reinvestment Election, the amount, if any, on the Reinvestment Reduction Date
relating thereto by which (x) the Anticipated Reinvestment Amount in respect of
such Reinvestment Election exceeds (y) the aggregate amount thereof expended by
Workflow and its Subsidiaries to acquire or construct Reinvestment Assets.

     "Reinvestment Reduction Date" shall mean, with respect to any Reinvestment
Election, the earliest of (i) the date, if any, upon which a Default or an Event
of Default shall have occurred, (ii) the date occurring one year after the
making of such Reinvestment Election and (iii) the date on which Workflow or the
respective Subsidiary shall have determined not to, or shall have otherwise
ceased to, proceed with the purchase, construction or other acquisition of
Reinvestment Assets with the related Anticipated Reinvestment Amount.

     "Release" shall mean any spilling, leaking, pumping, pouring, emitting,
emptying, discharging, injecting, escaping, leaching, dumping, disposing or
migration into the environment.

     "Replaced Lender" shall have the meaning provided in Section 1.14.

     "Replacement Lender" shall have the meaning provided in Section 1.14.

     "Reply Date" shall have the meaning provided in Section 1.04(b).

     "Reportable Event" shall mean an event described in Section 4043(c) of
ERISA with respect to a Plan that is subject to Title IV of ERISA other than
those events as to which the 30-day notice period is waived under subsection
 .22, .23, .25, .27 or .28 of PBGC Regulation Section 4043.

     "Response Date" shall have the meaning provided in Section 1.17(a).

     "Required Lenders" shall mean Non-Defaulting Lenders the sum of whose
Revolving Commitments (or after the termination thereof, outstanding Revolving
Loans, Canadian Term Loans, Competitive Bid Loans and Percentages of outstanding
Swingline Loans and Letter of Credit Outstandings) and outstanding Dollar Term
Loans represent an amount greater than 50% (a) of the Total Revolving Commitment
less the Revolving Commitments of Defaulting Lenders plus (b) the aggregate
amount of all Dollar Term Loans outstanding to all Lenders (or after the
termination of the Total Revolving Commitment, the sum of (a) the then total
outstanding Revolving Loans, Canadian Term Loans and Competitive Bid Loans of
Non-Defaulting Lenders and the aggregate Percentages of all Non-Defaulting
Lenders in outstanding Swingline Loans and Letter of Credit Outstandings at such
time plus (b) the aggregate amount of all Dollar Term Loans outstanding to all
Lenders).  For purposes of determining Required Lenders, all outstanding Loans
and Revolving Commitments, as the case may be, that are denominated in Dollars
will be calculated in Dollars and all Loans and Revolving Commitments, as the
case may be, denominated in Canadian Dollars will be calculated according to the
Dollar Equivalent thereof.

     "Revolver Lender"  shall mean at any time any Lender with a Percentage
greater than zero at such time or to which Revolving Loans or Canadian Term
Loans are owing at such time, including, without limitation, any Canadian
Lender.

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     "Revolving Commitment" shall mean, at any time and with respect to each
Lender, the amount set forth opposite such Lender's name in Annex I-A directly
under the column entitled "Revolving Commitment," as the same may be reduced
from time to time pursuant to Section 3.02, 3.03 or 9 or adjusted from time to
time as a result of assignments to or from such Lender as provided for in
Sections 1.14 and 12.04.

     "Revolving Credit Exposure" shall mean, for any Lender at any time, the sum
of (i) the aggregate principal amount of all Revolving Loans or Canadian Term
Loans made by such Lender (and its Affiliates, if any, acting as a Canadian
Lender, and, for this purpose, using the Dollar Equivalent of the principal
amount or Face Amount, as the case may be, of all Canadian Loans then
outstanding from such Lender or any Affiliate thereof acting as a Canadian
Lender) plus (ii) the product of (A) such Lender's Dollar Percentage and (B) the
sum of (x) the aggregate amount of all Letter of Credit Outstandings at such
time and (y) the aggregate principal amount of all Swingline Loans then
outstanding.

     "Revolving Loan" shall have the meaning provided in Section 1.01(a).

     "SEC" shall mean the Securities and Exchange Commission or any successor
thereto.

     "Section 4.04(b)(ii) Certificate" shall have the meaning provided in
Section 4.04(b).

     "Secured Creditors" shall have the meaning assigned in the respective
Security Documents.

     "Security Agreement" shall mean and include each of the U.S. Security
Agreement, each Canadian Security Agreement and each other security agreement
required to be executed pursuant to Section 8.12.

     "Security Agreement Collateral" shall mean all "Collateral" as defined in
the applicable Security Agreement.

     "Security Documents" shall mean and include each Security Agreement, the
Mortgages and each Pledge Agreement.

     "Senior Leverage Ratio" shall mean, as at any date with respect to any
Person, the ratio of Senior Indebtedness at such date to Consolidated EBITDA for
the Test Period then last ended (including on such date), in each case of such
Person

     "Senior Indebtedness" shall mean, at any time with respect to Workflow and
its Subsidiaries, the remainder of (A) Total Indebtedness of such persons at
such time, minus (B) Subordinated Indebtedness of such persons at such time.

     "Shareholders' Agreements" shall have the meaning provided in Section
5.15(iii).

     "Specified Subsidiaries" shall mean each Subsidiary of Workflow acquired
after the Effective Date as permitted pursuant to this Agreement, which, at the
time of the acquisition thereof, was the obligor with respect to Indebtedness
and/or the property of which was subject to Liens securing Indebtedness, in each
case, incurred other than pursuant to this Agreement and the other Credit
Documents and that will remain outstanding after giving effect to such
acquisition.

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<PAGE>

     "Stated Amount" of each Letter of Credit shall mean the maximum amount
available to be drawn thereunder (regardless of whether any conditions for
drawing could then be met).

     "Subordinated Indebtedness" shall mean Existing Subordinated Indebtedness
and Additional Subordinated Indebtedness.

     "Subsidiary" of any Person shall mean and include (i) any corporation more
than 50% of whose stock of any class or classes having by the terms thereof
ordinary voting power to elect a majority of the directors of such corporation
(irrespective of whether or not at the time stock of any class or classes of
such corporation shall have or might have voting power by reason of the
happening of any contingency) is at the time owned by such Person directly or
indirectly through Subsidiaries and (ii) any partnership, association, joint
venture, limited liability or other entity in which such Person directly or
indirectly through Subsidiaries, has more than a 50% equity interest at the
time.

     "Subsidiary Guarantor" shall mean, at any time, each U.S. Subsidiary
Guarantor and each Foreign Subsidiary of Workflow required to execute and
deliver the U.S. Subsidiaries Guaranty, the Canadian Guaranty and/or any other
guaranty required to be executed pursuant to Section 8.12, as the case may be.

     "Swingline Expiry Date" shall mean the date which is five Business Days
prior to the Final Maturity Date.

     "Swingline Loan" shall have the meaning provided in Section 1.01(c).

     "Swingline Note" shall have the meaning provided in Section 1.06(a).

     "Syndication Agent" shall have the meaning provided in the first paragraph
of this Agreement and shall include any successor to the Syndication Agent.

     "Syndication Date" shall mean the earlier of (x) the date which is 90 days
after the Effective Date and (y) the date upon which the Agent determines in its
sole discretion (and notifies Workflow) that the primary syndication of the
Total Revolving Commitment and Dollar Term Loans (and the resulting addition of
institutions as Lenders pursuant to Section 12.04) has been completed.

     "Taxes" shall have the meaning provided in Section 4.04.

     "Tax Sharing Agreements" shall have the meaning provided in Section
5.15(iii).

     "Term Loans" shall mean the Dollar Term Loans and the Canadian Term Loans.

     "Test Period" shall mean, with respect to any Person, (i) for any
determination of the Consolidated Interest Coverage Ratio of Workflow made on or
prior to the last day of Workflow's fiscal year ending closest to April 30,
1999, the period from the Effective Date through and including the last day of
Workflow's most recently ended fiscal quarter (in each case taken as one
accounting period) and (ii) for any period thereafter and for any determination
of the Leverage Ratio of Workflow, a period of four consecutive fiscal quarters
of such Person ended on the last day of the then most recently ended fiscal
quarter of such Person.

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     "Total Canadian Sub-Commitment" shall mean, at any time, but otherwise
subject to the provisions of Section 1.16, the sum of the Canadian Sub-
Commitments of all Canadian Lenders at such time; provided, that in no event
shall the Total Canadian Sub-Commitment exceed at any time the lesser of (x)
$50,000,000 and (y) the Total Revolving Commitment at such time.

     "Total Competitive Bid Loan Limit" shall mean $50,000,000.

     "Total Dollar Revolving Sub-Commitment" at any time shall mean the sum of
the Dollar Revolving Sub-Commitments of all of the Lenders at such time;
provided that at no time shall the Total Dollar Revolving Sub-Commitment exceed
the Total Revolving Commitment as then in effect.

     "Total Indebtedness" shall mean, at any time with respect to any Person,
the remainder of (A) (i) all indebtedness of such Person and its Subsidiaries
for borrowed money at such time, (ii) all Indebtedness of such Person and its
Subsidiaries of the type described in clauses (iii), (iv) and (v) of the
definition of Indebtedness at such time and (iii) all Contingent Obligations of
such Person and its Subsidiaries in respect of Indebtedness of the type
described in preceding clauses (i) and (ii) at such time, in each case
determined on a consolidated basis, minus (B) the aggregate amount of all
unrestricted cash and Cash Equivalents as would be reflected on the consolidated
balance sheet of such Person at such time in accordance with GAAP, provided that
in no event shall more than $500,000 in the aggregate be subtracted at any time
pursuant to this clause (B).

     "Total Revolving Commitment" shall mean the sum of the Revolving
Commitments of each of the Lenders.

     "Transaction" shall mean the entering into of this Agreement and the other
Credit Documents.

     "Type" shall mean the type of Loan determined with respect to the interest
option applicable thereto, i.e., whether a Base Rate Loan, a Canadian Prime Rate
Loan, a Eurodollar Loan or a Bankers' Acceptance Loan.

     "UCC" shall mean the Uniform Commercial Code as in effect from time to time
in the relevant jurisdiction.

     "Unfunded Current Liability" of any Plan shall mean the amount, if any, by
which the actuarial present value of the accumulated plan benefits under the
Plan, determined on a plan termination basis in accordance with actuarial
assumptions at such time consistent with those prescribed by the PBGC for
purposes of Section 4044 of ERISA, exceeds the fair market value of all plan
assets allocable to such liabilities under Title IV of ERISA (excluding accrued
but unpaid contributions).

     "Unpaid Drawing" shall have the meaning provided in Section 2.03(a).

     "Unutilized Total Revolving Commitment" shall mean, at any time, an amount
equal to the Total Revolving Commitment at such time less the Utilized Total
Revolving Commitment at such time.

     "U.S. Credit Party" shall mean and include Workflow and each U.S.
Subsidiary Guarantor.

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<PAGE>

     "U.S. Obligations" shall mean all Obligations that are not Canadian
Obligations.

     "U.S. Office Products" shall mean U.S. Office Products Company, a Delaware
corporation.

     "U.S. Pledge Agreement" shall have the meaning provided in Section 5.11(a).

     "U.S. Security Agreement" shall have the meaning provided in Section
5.11(c).

     "U.S. Subsidiary Guarantor" shall mean each Domestic Subsidiary of Workflow
and iGetSmart.com.

     "U.S. Subsidiaries Guaranty" shall have the meaning provided in Section
5.10(a).

     "Utilized Revolving Commitment" with respect to any Lender, at any time,
shall mean an amount equal to the sum of (I) the aggregate principal amount of
all Revolving Loans, Canadian Term Loans and Swingline Loans made by such Lender
(including any Affiliate of any such Lender acting as a Canadian Lender) and
then outstanding (taking the Dollar Equivalent of the principal amount or Face
Amount, as the case may be, in the case of Canadian Loans then outstanding) plus
(II) such Lender's Dollar Percentage of the Letter of Credit Outstandings at
such time plus (III) the product of (A) the aggregate principal amount of all
Competitive Bid Loans made by such Lender and then outstanding and (B) such
Lender's Dollar Percentage of the Total Revolving Commitment.

     "Utilized Total Revolving Commitment" shall mean, at any time, an amount
equal to the sum of (I) the aggregate outstanding principal amount or Face
Amount, as the case may be, of all Revolving Loans and Canadian Term Loans at
such time (for this purpose, taking the Dollar Equivalent thereof in the case of
Canadian Loans then outstanding) plus (II) the aggregate principal amount of all
Swingline Loans then outstanding plus (III) the then aggregate amount of all
Letter of Credit Outstandings plus (IV) the aggregate principal amount of all
Competitive Bid Loans then outstanding.

     "Wholly-Owned Subsidiary" shall mean, as to any Person, (i) any corporation
100% of whose capital stock (other than directors qualifying shares) is at the
time owned by such Person and/or one or more Wholly-Owned Subsidiaries of such
Person and (ii) any partnership, association, joint venture or other entity in
which such Person and/or one or more Wholly-Owned Subsidiaries of such Person
has a 100% equity interest at such time.

     "Workflow" shall have the meaning provided in the first paragraph of this
Agreement.

     "Written" or "in writing" shall mean any form of written communication or a
communication by means of telex, facsimile device, telegraph or cable.

     SECTION 11.  The Agent.
                  ---------

     11.01  Appointment.  Each Lender hereby irrevocably designates and appoints
            -----------
Fleet as Agent of such Lender (such term to include for purposes of this Section
11, Fleet acting as Collateral Agent) to act as specified herein and in the
other Credit Documents, and each such Lender hereby irrevocably authorizes Fleet
as the Agent to take such action on its behalf under the provisions of this
Agreement and the other Credit Documents and to exercise such powers and perform
such duties as are expressly delegated to the Agent by the terms of this
Agreement and the other Credit Documents,

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together with such other powers as are reasonably incidental thereto. Each
Lender hereby irrevocably authorizes the Canadian Co-Agent to take such action
on its behalf under the provisions of this Agreement and the other Credit
Documents and to exercise such powers and perform such duties as are expressly
delegated to the Canadian Co-Agent by the terms of this Agreement and the other
Credit Documents, together with such other powers as are reasonably incidental
thereto. Each of the Agent and the Canadian Co-Agent agrees to act as such upon
the express conditions contained in this Section 11. Notwithstanding any
provision to the contrary elsewhere in this Agreement or in any other Credit
Document, neither the Agent nor the Canadian Co-Agent shall not have any duties
or responsibilities, except those expressly set forth herein or in the other
Credit Documents, or any fiduciary relationship with any Lender, and no implied
covenants, functions, responsibilities, duties, obligations or liabilities shall
be read into this Agreement or otherwise exist against the Agent or the Canadian
Co-Agent. The Agent is nevertheless a "representative" of the Lenders, as that
term is defined in Article 1 of the Uniform Commercial Code, for purposes of
actions for the benefit of the Lenders and the Agent with respect to all
collateral security and guaranties contemplated by the Credit Documents. Such
actions include the designation of the Agent as "secured party", "mortgagee" or
the like on all financing statements and other documents and instruments,
whether recorded or otherwise, relating to the attachment, perfection, priority
or enforcement of any security interests, mortgages or deeds of trust in
collateral security intended to secure the payment or performance of any of the
Obligations, all for the benefit of the Lenders and the Agent. The provisions of
this Section 11 are solely for the benefit of the Agent, the Canadian Co-Agent
and the Lenders, and neither the Borrowers nor any of their respective
Subsidiaries shall have any rights as a third party beneficiary of any of the
provisions hereof. In performing its functions and duties under this Agreement,
each of the Agent and the Canadian Co-Agent shall act solely as agent of the
Lenders and neither the Agent nor the Canadian Co-Agent shall be deemed to have
assumed any obligation or relationship of agency or trust with or for any
Borrower or any of their respective Subsidiaries. In addition to the foregoing
powers, each Lender hereby expressly authorizes the Agent and the Collateral
Agent to amend or to amend and restate each of the "Security Documents" as
defined in the Existing Credit Agreement to the extent that such Security
Documents are amended or amended and restated in connection with the
effectiveness of this Agreement or the occurrence of the Canadian Effective
Date.

     11.02  Delegation of Duties.  Each of the Agent and the Canadian Co-Agent
            --------------------
may execute any of its duties under this Agreement or any other Credit Document
(including any Security Document) by or through agents, subcollateral agents or
attorneys-in-fact (each of whom shall be entitled to the benefits of this
Section 11 to the same extent as the Agent or the Canadian Co-Agent, as
applicable) and shall be entitled to advice of counsel concerning all matters
pertaining to such duties. Neither the Agent nor the Canadian Co-Agent shall be
responsible for the negligence or misconduct of any agents, sub-collateral
agents or attorneys-in-fact selected by it with reasonable care.

     11.03  Exculpatory Provisions.  None of the Agent, the Canadian Co-Agent
            ----------------------
nor any of their officers, directors, employees, agents, sub-collateral agents,
attorneys-in-fact or affiliates shall be (i) liable for any action lawfully
taken or omitted to be taken by it or such Person under or in connection with
this Agreement or the other Credit Documents (except for its or such Person's
own gross negligence or willful misconduct) or (ii) responsible in any manner to
any of the Lenders for any recitals, statements, representations or warranties
made by the Borrowers, any of their respective Subsidiaries or any of their
respective officers contained in this Agreement or the other Credit Documents or
in any certificate, report, statement or other document referred to or provided
for in, or received by the Agent or the Canadian Co-Agent under or in connection
with, this Agreement or any

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other Credit Document or for any failure of any Borrower or any of their
respective Subsidiaries or any of their respective officers to perform its
obligations hereunder or thereunder. Neither the Agent nor the Canadian Co-Agent
shall be under any obligation to any Lender to ascertain or to inquire as to the
observance or performance of any of the agreements contained in, or conditions
of, this Agreement or the other Credit Documents, or to inspect the properties,
books or records of the Borrowers or any of their respective Subsidiaries.
Neither the Agent nor the Canadian Co-Agent shall be responsible to any Lender
for the effectiveness, genuineness, validity, enforceability, collectibility or
sufficiency of this Agreement or any other Credit Document or for any
representations, warranties, recitals or statements made herein or therein or
made in any written or oral statement or in any financial or other statements,
instruments, reports, certificates or any other documents in connection herewith
or therewith furnished or made by the Agent or the Canadian Co-Agent to the
Lenders or by or on behalf of the Borrowers or any of their respective
Subsidiaries to the Agent, the Canadian Co-Agent or any Lender or be required to
ascertain or inquire as to the performance or observance of any of the terms,
conditions, provisions, covenants or agreements contained herein or therein or
as to the use of the proceeds of the Loans or of the existence or possible
existence of any Default or Event of Default.

     11.04  Reliance by Agent. Each of the Agent and the Canadian Co-Agent shall
            -----------------
be entitled to rely, and shall be fully protected in relying, upon any note,
writing, resolution, notice, consent, certificate, affidavit, letter, cablegram,
telegram, facsimile, telex or teletype message, statement, order or other
document or conversation believed by it to be genuine and correct and to have
been signed, sent or made by the proper Person or Persons and upon advice and
statements of legal counsel (including, without limitation, counsel to the
Borrowers or any of their respective Subsidiaries), independent accountants and
other experts selected by the Agent or the Canadian Co-Agent. Each of the Agent
and the Canadian Co-Agent shall be fully justified in failing or refusing to
take any action under this Agreement or any other Credit Document unless it
shall first receive such advice or concurrence of the Required Lenders as it
deems appropriate or it shall first be indemnified to its satisfaction by the
Lenders against any and all liability and expense which may be incurred by it by
reason of taking or continuing to take any such action. Each of the Agent and
the Canadian Co-Agent shall in all cases be fully protected in acting, or in
refraining from acting, under this Agreement and the other Credit Documents in
accordance with a request of the Required Lenders, and such request and any
action taken or failure to act pursuant thereto shall be binding upon all the
Lenders.

     11.05  Notice of Default.  Neither the Agent nor the Canadian Co-Agent
            -----------------
shall be deemed to have knowledge or notice of the occurrence of any Default or
Event of Default hereunder unless such Person has actually received notice from
a Lender or any Borrower referring to this Agreement, describing such Default or
Event of Default and stating that such notice is a "notice of default." In the
event that the Agent receives such a notice, the Agent shall give prompt notice
thereof to the Lenders.  The Agent shall take such action with respect to such
Default or Event of Default as shall be reasonably directed by the Required
Lenders; provided, that, unless and until the Agent shall have received such
directions, the Agent may (but shall not be obligated to) take such action, or
refrain from taking such action, with respect to such Default or Event of
Default as it shall deem advisable in the best interests of the Lenders.

     11.06  Non-Reliance on Agent and other Lenders.  Each Lender expressly
            ---------------------------------------
acknowledges that none of the Agent, the Canadian Co-Agent nor any of their
respective officers, directors, employees, agents, sub-collateral agents,
attorneys-in-fact or affiliates have made any representations or warranties to
it and that no act by the Agent or the Canadian Co-Agent hereinafter taken,
including

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any review of the affairs of the Borrowers or any of their respective
Subsidiaries, shall be deemed to constitute any representation or warranty by
the such Person to any Lender. Each Lender represents to each of the Agent and
the Canadian Co-Agent that it has, independently and without reliance upon the
Agent, the Canadian Co-Agent or any other Lender, and based on such documents
and information as it has deemed appropriate, made its own appraisal of and
investigation into the business, assets, operations, property, financial and
other condition, prospects and creditworthiness of the Borrowers and their
respective Subsidiaries and made its own decision to make its Loans hereunder
and enter into this Agreement. Each Lender also represents that it will,
independently and without reliance upon the Agent, the Canadian Co-Agent or any
other Lender, and based on such documents and information as it shall deem
appropriate at the time, continue to make its own credit analysis, appraisals
and decisions in taking or not taking action under this Agreement, and to make
such investigation as it deems necessary to inform itself as to the business,
assets, operations, property, financial and other condition, prospects and
creditworthiness of the Borrowers and their respective Subsidiaries. Neither the
Agent nor the Canadian Co-Agent shall have any duty or responsibility to provide
any Lender with any credit or other information concerning the business,
operations, assets, property, financial and other condition, prospects or
creditworthiness of any Borrower or any of their respective Subsidiaries which
may come into the possession of the Agent, the Canadian Co-Agent or any of its
officers, directors, employees, agents, attorneys-in-fact or affiliates.

     11.07  Indemnification.  The Lenders agree to indemnify each of the Agent
            ---------------
and the Canadian Co-Agent in its capacity as such ratably according to their
respective "percentages" as used in determining the Required Lenders at such
time, from and against any and all liabilities, obligations, losses, damages,
penalties, actions, judgments, suits, costs, reasonable expenses or
disbursements of any kind whatsoever which may at any time (including, without
limitation, at any time following the payment of the Obligations) be imposed on,
incurred by or asserted against the Agent or the Canadian Co-Agent in their
capacity as such in any way relating to or arising out of this Agreement or any
other Credit Document, or any documents contemplated by or referred to herein or
the transactions contemplated hereby or any action taken or omitted to be taken
by the Agent or the Canadian Co-Agent under or in connection with any of the
foregoing, but only to the extent that any of the foregoing is not paid by the
Borrowers or any of their respective Subsidiaries; provided, that no Lender
                                                   --------
shall be liable to the Agent or the Canadian Co-Agent for the payment of any
portion of such liabilities, obligations, losses, damages, penalties, actions,
judgments, suits, costs, expenses or disbursements resulting solely from the
gross negligence or willful misconduct of such Person (as finally determined by
a court of competent jurisdiction).  To the extent any Lender would be required
to indemnify the Agent or the Canadian Co-Agent pursuant to the immediately
preceding sentence but for the fact that it is a Defaulting Lender, such
Defaulting Lender shall not be entitled to receive any portion of any payment or
other distribution hereunder until each other Lender shall have been reimbursed
for the excess, if any, of the aggregate amount paid by such Lender under this
Section 11.07 over the aggregate amount such Lender would have been obligated to
pay had such first Lender not been a Defaulting Lender.  If any indemnity
furnished to the Agent or the Canadian Co-Agent for any purpose shall, in the
opinion of such Person be insufficient or become impaired, such Person may call
for additional indemnity and cease, or not commence, to do the acts indemnified
against until such additional indemnity is furnished.  The agreements in this
Section 11.07 shall survive the payment of all Obligations.

     11.08  Agent in its Individual Capacity.  Each of the Agent and the
            --------------------------------
Canadian Co-Agent and their affiliates may make loans to, accept deposits from
and generally engage in any kind of business with any Borrower and any of their
respective Subsidiaries and Affiliates as though such Person were

                                      101
<PAGE>

not the Agent or Canadian Co-Agent hereunder. With respect to the Loans made by
it and all Obligations owing to it, each of the Agent and the Canadian Co-Agent
shall have the same rights and powers under this Agreement as any Lender and may
exercise the same as though it were not the Agent or the Canadian Co-Agent and
the terms "Lender" and "Lenders" shall include each of the Agent and the
Canadian Co-Agent in its individual capacity.

     11.09  Holders. Each of the Agent and the Canadian Co-Agent may deem and
            -------
treat the payee of any Note as the owner thereof for all purposes hereof unless
and until a written notice of the assignment, transfer or endorsement thereof,
as the case may be, shall have been filed with such Person.  Any request,
authority or consent of any Person or entity who, at the time of making such
request or giving such authority or consent, is the holder of any Note shall be
conclusive and binding on any subsequent holder, transferee, assignee or
indorsee, as the case may be, of such Note or of any Note or Notes issued in
exchange therefor.

     11.10  Resignation of the Agent; Successor Agent.
            -----------------------------------------

            (a) Each of the Agent and the Canadian Co-Agent may resign from the
performance of all its respective functions and duties hereunder and/or under
the other Credit Documents at any time by giving 15 Business Days' prior written
notice to the Lenders. Such resignation shall take effect upon the appointment
of a successor Agent or Canadian Co-Agent, as applicable, pursuant to clauses
(b) and (c) below or as otherwise provided below.

            (b) Upon any such notice of resignation by the Agent or the Canadian
Co-Agent, the Required Lenders shall appoint a successor Agent or Canadian Co-
Agent hereunder or thereunder who shall be a commercial bank or trust company
reasonably acceptable to Workflow.

            (c) If a successor Agent or Canadian Co-Agent shall not have been so
appointed within such 15 Business Day period, the Agent with the consent of
Workflow (which consent shall not be unreasonably withheld or delayed), shall
then appoint a successor Agent or Canadian Co-Agent, as applicable, who shall
serve a successor Agent or Canadian Co-Agent, as applicable, as provided above.

            (d) If no successor Agent or Canadian Co-Agent has been appointed
pursuant to clause (b) or (c) above by the 20th Business Day after the date such
notice of resignation was given by the Agent or Canadian Co-Agent, as
applicable, the Required Lenders shall thereafter perform all the duties of the
Agent (or the Canadian Lenders shall thereafter perform all of the duties of the
Canadian Co-Agent, as applicable) hereunder and/or under any other Credit
Document until such time, if any, as the Required Lenders appoint a successor
Agent or Canadian Co-Agent as provided above.

     11.11  Syndication Agent and Co-Agents.  None of the Co-Agents or the
            -------------------------------
Syndication Agent shall have any right, power, obligation, liability,
responsibility or duty under this Agreement other than those applicable to it as
Lender as such and shall not have any fiduciary relationship with any other
Lender.  Each Lender makes the same acknowledgements with respect to each Co-
Agent and the Syndication Agent as it makes with respect to the Agent and
Canadian Co-Agent in Section 11.06.

                                      102
<PAGE>

     SECTION 12.  Miscellaneous.
                  -------------

     12.01  Payment of Expenses, etc.  The Borrowers jointly and severally agree
            ------------------------
to: (i) whether or not the transactions herein contemplated are consummated, pay
all reasonable out-of-pocket costs and expenses of the Agent, the Canadian Co-
Agent and the Arranger (including, without limitation, the reasonable fees and
disbursements of Bingham Dana LLP and local counsel) in connection with the
negotiation, preparation, execution and delivery and administration of the
Credit Documents and the documents and instruments referred to therein and any
amendment, waiver or consent relating thereto and in connection with the Agent's
and the Arranger's syndication efforts with respect to this Agreement; (ii) pay
all reasonable out-of-pocket costs and expenses of the Agent, the Canadian Co-
Agent and each of the Lenders in connection with the enforcement of the Credit
Documents and the documents and instruments referred to therein and, after an
Event of Default shall have occurred and be continuing, the protection of the
rights of the Agent, the Canadian Co-Agent and each of the Lenders thereunder,
including in connection with any refinancing or restructuring of the credit
arrangements provided under this Agreement in the nature of a "work-out" or
pursuant to any insolvency or bankruptcy proceedings (including, without
limitation, in each case the reasonable fees and disbursements of counsel
(including in-house counsel) for the Agent and for each of the Lenders); (iii)
pay and hold each of the Lenders harmless from and against any and all present
and future stamp and other similar taxes with respect to the foregoing matters
and save each of the Lenders harmless from and against any and all liabilities
with respect to or resulting from any delay or omission (other than to the
extent attributable to such Lender) to pay such taxes; and (iv) indemnify the
Agent, the Collateral Agent, the Canadian Co-Agent and each Lender, their
subsidiaries and affiliates, and their officers, directors, employees,
representatives, agents and sub-collateral agents (each an "Indemnitee") from
and hold each of them harmless against any and all losses, liabilities, claims,
damages, settlement payments, obligations, actions or causes of action, costs or
expenses incurred, suffered, sustained or required to be paid by any of them as
a result of, or arising out of, or in any way related to, or by reason of this
Agreement, the other Credit Documents and any transaction related thereto,
including, without limitation (a) any investigation (other than those undertaken
pursuant to Section 7.02), litigation or other proceeding (whether or not the
Agent, the Collateral Agent, the Canadian Co-Agent or any Lender is a party
thereto) related to the entering into and/or performance of this Agreement or
any other Credit Document or the use of the proceeds of any Loans hereunder or
the consummation of any other transactions contemplated in any Credit Document,
or (b) the actual or alleged presence of Hazardous Materials in the air, surface
water or groundwater or on the surface or subsurface of any Real Property owned,
leased or at any time operated by any Borrower or any of their respective
Subsidiaries, the Release, generation, storage, transportation, handling or
disposal of Hazardous Materials at any location, whether or not owned, leased or
operated by such Borrower or any of its Subsidiaries, the non-compliance by any
Borrower or any of their respective Subsidiaries of any Real Property with
foreign, federal, state and local laws, regulations, ordinances or Environmental
Laws (including applicable permits thereunder) applicable to any Real Property,
or any Environmental Claim relating to any Borrower or any of their respective
Subsidiaries or any Real Property owned, leased or at any time operated by any
Borrower or any of their respective Subsidiaries, including, in each case,
without limitation, the reasonable fees and disbursements of counsel acting for
the Agent, the Canadian Co-Agent and the Lenders and not reasonably
objectionable to the Borrowers incurred in connection with any such
investigation, litigation or other proceeding (but excluding any such losses,
liabilities, claims, damages or expenses to the extent incurred by reason of the
gross negligence or willful misconduct of the Person to be indemnified (as
finally determined by the court of competent jurisdiction)).  The Agent, the
Canadian Co-Agent and each Lender shall be entitled to select their own counsel
not reasonably objectionable to the Borrowers in connection with any of the
matters set forth in this Section 12.01.  To the extent

                                      103
<PAGE>

that the undertaking to indemnify, pay or hold harmless any Person set forth in
the preceding sentence may be unenforceable because it is violative of any law
or public policy, the Borrowers shall make the maximum contribution to the
payment and satisfaction of each of the indemnified liabilities which is
permissible under applicable law.

     12.02  Right of Setoff.  In addition to any rights now or hereafter granted
            ---------------
under applicable law or otherwise, and not by way of limitation of any such
rights, upon the occurrence and during the continuance of an Event of Default,
each Lender is hereby authorized at any time or from time to time, without
presentment, demand, protest or other notice of any kind to any Borrower or any
of their Subsidiaries or to any other Person, any such notice being hereby
expressly waived, to set off and to appropriate and apply any and all deposits
(general or special) and any other Indebtedness at any time held or owing by
such Lender (including, without limitation, by branches, agencies and affiliates
of such Lender wherever located) to or for the credit or the account of any
Borrower or any Subsidiary Guarantor against and on account of the Obligations
and liabilities of any Borrower or any Subsidiary Guarantor to such Lender under
this Agreement or under any of the other Credit Documents, including, without
limitation, all interests in Obligations of the Borrowers or any of their
Subsidiaries purchased by such Lender pursuant to Section 12.06(b), and all
other claims of any nature or description arising out of or connected with this
Agreement or any other Credit Document, irrespective of whether or not such
Lender shall have made any demand hereunder and although said Obligations,
liabilities or claims, or any of them, shall be contingent or unmatured.

     12.03  Notices.  Except as otherwise expressly provided herein, all notices
            -------
and other communications provided for hereunder shall be in writing (including
telegraphic, telex, facsimile or cable communication) and mailed, telegraphed,
telexed, telecopied, cabled or delivered, if to any Credit Party, at the address
specified opposite its signature below or in the other relevant Credit
Documents, as the case may be; if to any Lender, at its address specified for
such Lender on Annex II; or, at such other address as shall be designated by any
party in a written notice to the other parties hereto.  All such notices and
communications shall, when mailed, telegraphed, telexed, telecopied, or cabled
or sent by overnight courier, be effective (x) three Business Days after
deposited in the mails, (y) one Business Day after delivered to the telegraph
company, cable company or a recognized, overnight courier, as the case may be,
or (z) when sent by telex or telecopier, except that notices and communications
to the Agent or the Canadian Co-Agent shall not be effective until received by
such Person.

     12.04  Benefit of Agreement.
            --------------------

            (a) This Agreement shall be binding upon and inure to the benefit of
and be enforceable, by the respective successors and assigns of the parties
hereto; provided, that no Borrower may assign or transfer any of its rights or
obligations hereunder without the prior written consent of the Lenders and,
provided further, that, although any Lender may transfer, assign or grant
----------------
participations in its rights hereunder, such Lender shall remain a "Lender" for
all purposes hereunder and the transferee, assignee or participant, as the case
may be, shall not constitute a "Lender" hereunder and, provided further, that no
                                                       ----------------
Lender shall transfer or grant any participation under which the participant
shall have rights to approve any amendment to or waiver of this Agreement or any
other Credit Document except to the extent such amendment or waiver would (i)
extend the final scheduled maturity of any Loan or Letter of Credit (unless such
Letter of Credit is not extended beyond the Final Maturity Date) in which such
participant is participating, or reduce the rate or extend the time of payment
of interest or Fees (except in connection with a waiver of applicability of any
post-default increase in interest rates) or reduce the principal amount thereof
(it being understood

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<PAGE>

that any amendment or modification to the financial definitions in this
Agreement or to Section 12.07(a) shall not constitute a reduction in the rate of
interest or Fees for the purposes of this clause (i)), or increase the amount of
the participant's participation over the amount thereof then in effect (it being
understood that a waiver of any Default or Event of Default or of a mandatory
reduction in the Total Revolving Commitment shall not constitute a change in the
terms of such participation, and that an increase in any Revolving Commitment or
Loan shall be permitted without the consent of any participant if the
participant's participation is not increased as a result thereof), (ii) consent
to the assignment or transfer by any Borrower of any of its rights and
obligations under this Agreement to the extent relating to such participation or
(iii) release all or substantially all of the Collateral under all of the
Security Documents (except as expressly provided in the Credit Documents). In
the case of any such participation, the participant shall not have any rights
under this Agreement or any of the other Credit Documents (the participant's
rights against such Lender in respect of such participation to be those set
forth in the agreement executed by such Lender in favor of the participant
relating thereto) and all amounts payable by the Borrowers hereunder shall be
determined as if such Lender had not sold such participation.

          (b) Notwithstanding the foregoing, any Lender may (x) assign all or a
portion of its Revolving Commitment and/or Term Loans (and related outstanding
Obligations hereunder) to any Affiliate of such Lender or to one or more Lenders
or (y) assign all, or if less than all, a portion equal to at least $5,000,000
in the aggregate for the assigning Lender, of its Revolving Commitment and/or
Dollar Term Loans (and related outstanding Obligations hereunder) to one or more
Eligible Transferees, provided that (i) the assignment by any Lender of its
Canadian Sub-Commitment (or any portion thereof) shall constitute the assignment
of a like amount of such Lender's (or its respective Affiliate's) Revolving
Commitment, (ii) any assignment of all or any portion of the Revolving
Commitment of any Lender shall be required to be accompanied by the assignment
of all or such portions of the Canadian Sub-Commitment and/or Dollar Revolving
Sub-Commitment of such Lender (or its respective Affiliate) as is equal, in the
aggregate, to the amount of the Revolving Commitment being so assigned, (iii)
any assignment of all or any portion of the Revolving Commitment and related
outstanding Obligations shall be made on a basis such that the respective
assignee participates in Revolving Loans and in Letter of Credit Outstandings,
in accordance with the Revolving Commitment (and Canadian Sub-Commitment
described above) so assigned, (iv) at such time Annexes I-A, I-B and I-C shall
be deemed modified to reflect the Revolving Commitments, Canadian Sub-
Commitments and Dollar Term Loan Commitments of such new Lender and of the
existing Lenders, (v) upon surrender of the old Notes (if any), new Notes will
be issued, at the Borrower's expense, to such new Lender and to the assigning
Lender upon the request of such new Lender and such new Notes to be in
conformity with the requirements of Section 1.06 to the extent needed to reflect
the revised Revolving Commitments and Dollar Terms, (vi) the consent of Workflow
(so long as no Default or Event of Default then exists) and the Agent shall be
required in connection with any such assignment pursuant to clause (y) above
(each of which consents shall not be unreasonably withheld or delayed), (vii)
the Agent shall receive at the time of each such assignment, from the assigning
or assignee Lender, the payment of a non-refundable assignment fee of $3,500,
(viii) no assignment shall be effective until recorded by the Agent on the
Register pursuant to Section 12.17 and (ix) after such assignment neither the
assigning Lender's nor the assignee Lender's Revolving Commitment plus its
                                                                  ----
Dollar Term Loans outstanding shall be less than $10,000,000, provided that the
                                                              --------
assigning Lender's Revolving Commitment plus its Dollar Term Loans outstanding
                                        ----
may be $0 after such assignment.  If any Lender so sells or assigns all or a
part of its rights hereunder or under the Notes, any reference in this Agreement
or the Notes to such assigning Lender shall thereafter refer to such Lender and
to the respective assignee to the extent of their respective interests and the
respective assignee shall have, to the extent of such assignment

                                      105
<PAGE>

(unless otherwise provided therein), the same rights and benefits as it would if
it were such assigning Lender. Each assignment pursuant to this Section 12.04(b)
shall be effected by the assigning Lender and the assignee Lender executing an
Assignment and Assumption Agreement substantially in the form of Exhibit K,
appropriately completed (each, an "Assignment and Assumption Agreement"). To the
extent of any assignment pursuant to this Section 12.04(b), the assigning Lender
shall be relieved of its obligations hereunder with respect to its assigned
Revolving Commitment and Term Loans. At the time of each assignment pursuant to
this Section 12.04(b) to a Person which is not already a Lender hereunder and
which is not a United States person (as such term is defined in Section
7701(a)(30) of the Code) for Federal income tax purposes, the respective
assignee Lender shall, to the extent legally entitled to do so, provide to
Workflow the appropriate Internal Revenue Service Forms (and, if applicable, a
Section 4.04(b)(ii) Certificate) described in Section 4.04(b). To the extent
that an assignment of all or any portion of a Lender's Revolving Commitments
and/or Dollar Term Loans and related outstanding Obligations pursuant to Section
1.14 or this Section 12.04(b) would, at the time of such assignment, result in
increased costs under Sections 1.11, 2.05 or 4.04 from those being charged by
the respective assigning Lender prior to such assignment, then Workflow shall
not be obligated to pay such increased costs (although Workflow, in accordance
with and pursuant to the other provisions of this Agreement, shall be obligated
to pay any other increased costs of the type described above resulting from
changes after the date of the respective assignment).

            (c) Nothing in this Agreement shall prevent or prohibit any Lender
from pledging its Loans and Notes hereunder to a Federal Reserve Lender in
support of borrowings made by such Lender from such Federal Reserve Lender.

     12.05  No Waiver; Remedies Cumulative.  No failure or delay on the part of
            ------------------------------
the Agent, the Collateral Agent, the Canadian Co-Agent or any Lender in
exercising any right, power or privilege hereunder or under any other Credit
Document and no course of dealing between any Credit Party and the Agent, the
Collateral Agent, the Canadian Co-Agent or any Lender shall operate as a waiver
thereof; nor shall any single or partial exercise of any right, power or
privilege hereunder or under any other Credit Document preclude any other or
further exercise thereof or the exercise of any other right, power or privilege
hereunder or thereunder.  The rights and remedies herein expressly provided are
cumulative and not exclusive of any rights or remedies which the Agent, the
Collateral Agent, the Canadian Co-Agent or any Lender would otherwise have.  No
notice to or demand on any Credit Party in any case shall entitle any Credit
Party to any other or further notice or demand in similar or other circumstances
or constitute a waiver of the rights of the Agent, the Canadian Co-Agent, the
Collateral Agent or the Lenders to any other or further action in any
circumstances without notice or demand.

     12.06  Payments Pro Rata.
            -----------------

            (a) Each of the Agent and the Canadian Co-Agent agrees that promptly
after its receipt of each payment from or on behalf of any Credit Party in
respect of any Obligations of such Credit Party., it shall, except as otherwise
provided in this Agreement, distribute such payment to the Lenders (other than
any Lender that has consented in writing to waive its pro rata share of such
payment) pro rata based upon their respective shares, if any, of the Obligations
with respect to which such payment was received.

            (b) Except to the extent that this Agreement provides for payments
to be allocated to the Lenders with particular Obligations, (i) if any Lender
shall at any time receive any payment of all or part of its U.S. Obligations
owing to it, or interest thereon, or receive any collateral

                                      106
<PAGE>

in respect thereof (whether voluntarily or involuntarily, by set-off, pursuant
to events or proceedings of the nature referred to in Section 9.05, pursuant to
any Security Document or otherwise) (a "U.S. Benefited Lender"), in a greater
proportion than any such payment to or collateral received by any other Lender,
if any, in respect of such other Lender's U.S. Obligations owing to such other
Lender, or interest thereon, such U.S. Benefited Lenders shall purchase for cash
from the other Lenders with U.S. Obligations a participating interest in such
portion of each such other Lender's U.S. Obligations owning to each such other
Lenders, or shall provide such other Lenders with the benefits of any such
collateral, or the proceeds thereof, as shall be necessary to cause such U.S.
Benefited Lender to share the excess payment or benefits of such collateral or
proceeds ratably with each of the Lenders with U.S. Obligations; provided,
                                                                 --------
however, that if all or any portion of such excess payment or benefits is
-------
thereafter recovered from such Benefited Lender, such purchase shall be
rescinded, and the purchase price and benefits returned, to the extent of such
recovery, but without interest and (ii) if any Lender shall at any time receive
any payment of all or part of its Canadian Obligations owing to it, or interest
thereon, or receive any collateral in respect thereof (whether voluntarily or
involuntarily, by set-off, pursuant to events or proceedings of the nature
referred to in Section 9.05, pursuant to any Security Document or otherwise)(a
"Canadian Benefited Lender"), in a greater proportion than any such payment to
or collateral received by any other Lender, if any, in respect of such other
Lender's Canadian Obligations owing to such other Lender, or interest thereon,
such Canadian Benefited Lenders shall purchase for cash from the other Lenders
with Canadian Obligations a participating interest in such portion of each such
other Lender's Canadian Obligations owning to each such other Lenders, or shall
provide such other Lenders with the benefits of any such collateral, or the
proceeds thereof, as shall be necessary to cause such Canadian Benefited Lender
to share the excess payment or benefits of such collateral or proceeds ratably
with each of the Lenders with Canadian Obligations; provided, however, that if
                                                    -----------------
all or any portion of such excess payment or benefits is thereafter recovered
from such Canadian Benefited Lender, such purchase shall be rescinded, and the
purchase price and benefits returned, to the extent of such recovery.

     12.07  Calculations; Computations.
            --------------------------

            (a) The financial statements to be furnished to the Lenders pursuant
hereto shall be made and prepared in accordance with GAAP consistently applied
throughout the periods involved (except as set forth in the notes thereto or as
otherwise disclosed in writing by Workflow to the Lenders); provided, that (i)
for purposes of determining compliance with any incurrence tests set forth in
Section 8 (excluding Sections 8.09 and 8.10), any amounts so incurred or
expended (to the extent incurred or expended in a currency other than Dollars)
shall be converted into Dollars on the basis of the Dollar Equivalent of the
respective amounts as in effect on the date of such incurrence or expenditure
under any provision of any such Section that has an aggregate, Dollar limitation
provided for therein (and to the extent the respective incurrence test regulates
the aggregate amount outstanding at any time and it is expressed in terms of
Dollars, all outstanding amounts originally incurred or spent in currencies
other than Dollars shall be converted into Dollars on the basis of the Dollar
Equivalent of the respective amounts as in effect on the date any new incurrence
or expenditures made under any provision of any such Section that regulates the
Dollar amount outstanding at any time) and (ii) except as otherwise specifically
provided herein, all computations determining compliance with Section 8,
including definitions used therein, shall utilize accounting principles and
policies in effect at the time of the preparation of, and in conformity with
those used to prepare, the year end financial statements delivered to the
Lenders pursuant to Section 6j 0(b).

            (b) All computations of interest on Base Rate Loans, Canadian Prime
Rate Loans, Eurodollar Loans and Fees (including Letter of Credit Fees and
Facing Fees, but excluding

                                      107
<PAGE>

Acceptance Fees) hereunder shall be, made on the basis of the actual number of
days elapsed over a year of 360 days. Acceptance Fees shall be calculated on the
basis of the term of maturity of the Bankers' Acceptance and a year of 365 days.

            (c) For purposes of the Interest Act (Canada), (i) whenever any
interest or fee under this Agreement is calculated using a rate based on a year
of 360 or 365 days, as the case may be, the rate determined pursuant to such
calculation, when expressed as an annual rate, is equivalent to (x) the
applicable rate based on a year of 360 or 365 days, as the case may be, (y)
multiplied by the actual number of days in the calendar year in which the period
for which such interest or fee is payable (or compounded) ends, and (z) divided
by 360 or 365, as the case may be, (ii) the principle of deemed reinvestment of
interest does not apply to any interest calculation under this Agreement, and
(iii) the rates of interest stipulated in this Agreement are intended to be
nominal rates and not effective rates or yields.

     12.08  GOVERNING LAW; SUBMISSION TO JURISDICTION VENUE.
            -----------------------------------------------

            (A) THIS AGREEMENT AND THE OTHER CREDIT DOCUMENTS (EXCEPT, IN THE
CASE OF CERTAIN OF THE SECURITY DOCUMENTS AND THE CANADIAN PARENT GUARANTIES, AS
SPECIFICALLY OTHERWISE PROVIDED THEREIN) AND THE RIGHTS AND OBLIGATIONS OF THE
PARTIES HEREUNDER AND THEREUNDER SHALL BE CONSTRUED IN ACCORDANCE WITH AND BE
GOVERNED BY THE LAW OF THE COMMONWEALTH OF MASSACHUSETTS. ANY LEGAL ACTION OR
PROCEEDING WITH RESPECT TO THIS AGREEMENT OR ANY OTHER CREDIT DOCUMENT MAY BE
BROUGHT IN THE COURTS OF THE COMMONWEALTH OF MASSACHUSETTS OR ANY FEDERAL COURT
SITTING THEREIN, AND, BY EXECUTION AND DELIVERY OF THIS AGREEMENT, EACH BORROWER
HEREBY IRREVOCABLY ACCEPTS FOR ITSELF AND IN RESPECT OF ITS PROPERTY, GENERALLY
AND UNCONDITIONALLY, THE JURISDICTION OF THE AFORESAID COURTS. EACH BORROWER
HEREBY FURTHER IRREVOCABLY WAIVES ANY CLAIM THAT ANY SUCH COURTS LACK PERSONAL
JURISDICTION OVER IT, AND AGREES NOT TO PLEAD OR CLAIM, IN ANY LEGAL ACTION
PROCEEDING WITH RESPECT TO THIS AGREEMENT OR ANY OTHER CREDIT DOCUMENTS BROUGHT
IN ANY OF THE AFOREMENTIONED COURTS, THAT SUCH COURTS LACK PERSONAL JURISDICTION
OVER IT. EACH BORROWER IRREVOCABLY CONSENTS TO THE SERVICE OF PROCESS OUT OF ANY
OF THE AFOREMENTIONED COURTS IN ANY SUCH ACTION OR PROCEEDING BY THE MAILING OF
COPIES THEREOF BY REGISTERED OR CERTIFIED MAIL, POSTAGE PREPAID, TO SUCH
BORROWER, AT ITS ADDRESS FOR NOTICES PURSUANT TO SECTION 12.03, SUCH SERVICE TO
BECOME EFFECTIVE 30 DAYS AFTER SUCH MAILING. EACH BORROWER HEREBY IRREVOCABLY
WAIVES ANY OBJECTION TO SUCH SERVICE OF PROCESS AND FURTHER IRREVOCABLY WAIVES
AND AGREES NOT TO PLEAD OR CLAIM IN ANY ACTION OR PROCEEDING COMMENCED HEREUNDER
OR UNDER ANY OTHER CREDIT DOCUMENT THAT SERVICE OF PROCESS WAS IN ANY WAY
INVALID OR INEFFECTIVE. NOTHING HEREIN SHALL AFFECT THE RIGHT OF THE AGENT, THE
CANADIAN CO-AGENT, ANY LENDER OR THE HOLDER OF ANY NOTE TO SERVE PROCESS IN ANY
OTHER MANNER PERMITTED BY LAW OR TO COMMENCE LEGAL PROCEEDINGS OR OTHERWISE
PROCEED AGAINST THE BORROWER IN ANY OTHER JURISDICTION.

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<PAGE>

            (B) EACH BORROWER HEREBY IRREVOCABLY WAIVES ANY OBJECTION WHICH IT
MAY NOW OR HEREAFTER HAVE TO THE LAYING OF VENUE OF ANY OF THE AFORESAID ACTIONS
OR PROCEEDINGS ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR ANY OTHER
CREDIT DOCUMENT BROUGHT IN THE COURTS REFERRED TO IN THE FIRST SENTENCE OF
CLAUSE (A) ABOVE AND HEREBY FURTHER IRREVOCABLY WAIVES AND AGREES NOT TO PLEAD
OR CLAIM IN ANY SUCH COURT THAT ANY SUCH ACTION OR PROCEEDING BROUGHT IN ANY
SUCH COURT HAS BEEN BROUGHT IN AN INCONVENIENT FORUM.

     12.09  Counterparts.  This Agreement may be executed in any number of
            ------------
counter parts and by the different parties hereto on separate counterparts, each
of which when so executed and delivered shall be an original, but all of which
shall together constitute one and the same instrument.  A complete set of
counterparts executed by all the parties hereto shall be lodged with each
Borrower and the Agent.

     12.10  Effectiveness; Canadian Effective Date.
            --------------------------------------

            (a) This Agreement shall become effective on the date (the
"Effective Date") on which (i) the Borrowers, the Agent, the Canadian Co-Agent
and each of the Lenders shall have signed a counterpart hereof (whether the same
or different counterparts) and shall have delivered the same to the Agent at the
Notice Office or, in the case of the Lenders, shall have given to the Agent
telephonic (confirmed in writing), written or telex notice (actually received)
at such office that the same has been signed and mailed to it and (ii) the
conditions set forth in Section 5 are met to the satisfaction of the Agent and
the Required Lenders. Unless the Agent has received actual notice from any
Lender that the conditions contained in Section 5 have not been met to its
satisfaction, upon the satisfaction of the condition described in clause (i) of
the immediately preceding sentence and upon the Agent's good faith determination
that the conditions described in clause (ii) of the immediately preceding
sentence have been met, then the Effective Date shall have been deemed to have
occurred, regardless of any subsequent determination that one or more of the
conditions thereto had not been met. The Agent will give each Borrower and each
Lender prompt written notice of the occurrence of the Effective Date.

            (b) The "Canadian Effective Date" shall be the date on which the
conditions to the occurrence of the Canadian Effective Date set forth in Section
5 are satisfied.  Unless the Agent or the Canadian Co-Agent has received actual
notice from any Canadian Lender that such conditions contained in Section 5 have
not been met to its satisfaction, upon the Agent's and the Canadian Co-Agent's
good faith determination that such conditions have been met, then the Canadian
Effective Date shall have been deemed to have occurred, regardless of any
subsequent determination that one or more of the conditions thereto had not been
met.  The Agent will give each Borrower and each Lender prompt written notice of
the occurrence of the Canadian Effective Date.

     12.11  Headings Descriptive.  The headings of the several sections and
            --------------------
subsections of this Agreement are inserted for convenience only and shall not in
any way affect the meaning or construction of any provision of this Agreement.

     12.12  Amendment or Waiver.
            -------------------

            (a) Neither this Agreement nor any other Credit Document nor any
terms hereof or thereof may be changed, waived, discharged or terminated unless
such change, waiver, discharge

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<PAGE>

or termination is in writing signed by the Required Lenders and the Borrowers
(or, in the case of any Credit Document other than this Agreement, as otherwise
provided therein); provided, that no such change, waiver, discharge or
                   --------
termination shall, without the consent of each Lender (other than a Defaulting
Lender) being directly affected thereby, (i) extend the final scheduled maturity
of any Loan or Note or extend the stated expiration date of any Letter of Credit
beyond the Final Maturity Date, or reduce the rate or extend the time of payment
of interest thereon (other than as a result of waiving the applicability of any
post-default increase in interest rates) or Fees, or reduce the principal amount
thereof (it being understood that any amendment or modification to the financial
definitions in this Agreement or to Section 12.07(a) shall not constitute a
reduction in the rate of interest or Fees for the purposes of this clause (i)),
(ii) release all or substantially all of the Collateral (except as expressly
provided in the Credit Documents) under all of the Security Documents, or
release any Guarantor from its obligations under any Guaranty to which it is a
party (except (in each case) as expressly provided in the Credit Documents),
(iii) amend, modify or waive any provision of this Section 12.12 to the extent
that any such amendment, modification or waiver would alter any of the voting
provisions set forth in the other provisions of this Section 12.12, (iv) reduce
the percentage specified in the definition of Required Lenders (it being
understood that, with the consent of the Required Lenders, additional extensions
of credit pursuant to this Agreement may be included in the determination of the
Required Lenders on substantially the same basis as the extensions of Revolving
Commitments are included on the Effective Date) or (v) consent to the assignment
or transfer by any Borrower of any of its rights and obligations under this
Agreement or any other Credit Document except in accordance with the terms
hereof or thereof; provided further, that no such change, waiver, discharge or
                   ----------------
termination shall (w) increase the Revolving Commitment (or Canadian Sub-
Commitment) or Dollar Term Loan Commitment of any Lender over the amount thereof
then in effect without the consent of such Lender (it being understood that
waivers or modifications of conditions precedent, covenants, Defaults or Events
of Default or of a mandatory reduction in the Total Revolving Commitment shall
not: constitute an increase of the Revolving Commitment (or Canadian Sub-
Commitment) of any Lender, and that an increase in the available portion of any
Revolving Commitment (or Canadian Sub-Commitment) or Dollar Term Loan Commitment
of any Lender shall not constitute an increase in the Revolving Commitment (or
Canadian Sub-Commitment) of such Lender), (x) without the consent of the Letter
of Credit Issuer, amend, modify or waive any provision of Section 2 or alter its
rights or obligations with respect to Letters of Credit, (y) without the consent
of Fleet, amend or modify the obligation of Fleet to make Swingline Loans, the
terms of any such Swingline Loans or the obligations of the Lenders to fund
Mandatory Borrowings, or (z) without the consent of the Agent, amend, modify or
waive any provision of Section 11 as same applies to the Agent or any other
provision as same relates to the rights or obligations of the Agent.

          (b) If, in connection with any proposed change, waiver, discharge or
termination with respect to any of the provisions of this Agreement as
contemplated by clauses (i) through (v), inclusive, of the first proviso to
Section 12.12(a), the consent of the Required Lenders is obtained but the
consent of one or more of such other Lenders whose consent is required is not
obtained, then Workflow shall have the right, to replace each such non-
consenting Lender or Lenders (so long as all non-consenting Lenders are so
replaced) with one or more Replacement Lenders pursuant to Section 1.14 so long
as at the time of such replacement, each such Replacement Lender consents to the
proposed change, waiver, discharge or termination, provided that Workflow shall
not have the right to replace a Lender solely as a result of the exercise of
such Lender's rights (and the withholding of any required consent by such
Lender) pursuant to the second proviso to Section 12.12(a).

                                      110
<PAGE>

     12.13  Survival.  All indemnities set forth herein including, without
            --------
limitation, in Section 1.11, 1.12, 2.05, 4.04, 11.07 or 12.01, shall survive the
execution and delivery of this Agreement, the making and repayment of the Loans
and, with respect to any Lender that makes any assignment pursuant to Section
12.04, shall survive such assignment for the benefit of such assigning Lender.

     12.14  Domicile of Loans.  Each Lender may transfer and carry its Loans at,
            -----------------
to or for the account of any branch office, Subsidiary or Affiliate of such
Lender provided that no Borrower shall be responsible for costs arising under
Section 1.11, 2.05 or 4.04 resulting from any such transfer (other than a
transfer pursuant to Section 1.13) to the extent such costs would not otherwise
be applicable to such Lender in the absence of such transfer.

     12.15  Confidentiality.
            ---------------

            (a) Each of the Lenders agrees that it will use its best efforts not
to disclose without the prior consent of Workflow (other than to its employees,
auditors, counsel or other professional advisors, to affiliates or to another
Lender if the Lender or such Lender's holding or parent company in its sole
discretion determines that any such party should have access to such
information) any information with respect to Workflow or any of its Subsidiaries
which is furnished pursuant to this Agreement and which is designated by
Workflow to the Lenders in writing as confidential provided that any Lender may
disclose any such information (a) as has become generally available to the
public, (b) as may be required or appropriate in any report, statement or
testimony submitted to any municipal, state or Federal regulatory body having or
claiming to have jurisdiction over such Lender or to the Federal Reserve Board
or the Federal Deposit Insurance Corporation or similar organizations (whether
in the United States or elsewhere) or their successors, (c) as may be required
or appropriate in response to any summons or subpoena or in connection with any
litigation, (d) in order to comply with any law, order, regulation or ruling
applicable to such Lender, and (e) to any prospective transferee in connection
with any contemplated transfer of any of the Loans or Notes or any interest
therein by such Lender provided that such prospective transferee agrees to be
bound by the provisions of this Section.  In connection with any disclosure by a
Lender pursuant to clause (c) of the immediately preceding sentence, such Lender
agrees to use its best efforts to give Workflow prior notice of such disclosure
to the extent such prior notice is practicable or permitted under the
circumstances, although the failure to give any such notice shall not result in
any liability of such Lender to Workflow or any of its Subsidiaries.  No Lender
shall be obligated or required to return any materials furnished by any Borrower
or any Subsidiary of any Borrower.  The Borrowers hereby agree that the failure
of a Lender to comply with the provisions of this Section 12.15 shall not
relieve any Borrower of any of its obligations to such Lender under this
Agreement and the other Credit Documents.

            (b) Each of the Borrowers hereby acknowledges and agrees that each
Lender may, in connection with the Transaction or the participation of such
Lender pursuant to this Agreement and the other Credit Documents, share with any
of its affiliates any information related to Workflow or any of its Subsidiaries
(including, without limitation, any nonpublic customer information regarding the
creditworthiness of Workflow and its Subsidiaries, provided such Persons shall
be subject to the provisions of this Section 12.15 to the same extent as such
Lender).

     12.16  Waiver of Jury Trial.  Each of the parties to this Agreement hereby
            --------------------
irrevocably waives all right to a trial by jury in any action, proceeding or
counterclaim arising out of or relating to this Agreement, the other Credit
Documents or the transactions contemplated hereby or thereby.

                                      111
<PAGE>

     12.17  Register.  The Borrowers hereby designate the Agent to serve as the
            --------
Borrowers' agent, solely for purposes of this Section 12.17, to maintain a
register (the "Register") on which it will record the Revolving Commitments and
Dollar Term Loan Commitments from time to time of each of the Lenders, the Loans
made by each of the Lenders and each repayment in respect of the principal
amount of the Loans of each Lender.  Failure to make any such recordation, or
any error in such recordation, shall not affect the Borrowers' obligations in
respect of such Loans.  With respect to any Lender, the transfer of the
Revolving Commitments and Dollar Term Loan Commitments of such Lender and the
rights to the principal of, and interest on, any Loan made pursuant to such
Revolving Commitments or Dollar Term Loan Commitments shall not be effective
until such transfer is recorded on the Register maintained by the Agent with
respect to ownership of such Revolving Commitments, Dollar Term Loan Commitments
and Loans and prior to such recordation all amounts owing to the transferor with
respect to such Revolving Commitments and Loans shall remain owing to the
transferor.  The registration of assignment or transfer of all or part of any
Revolving Commitments, Dollar Term Loan Commitments and Loans shall be recorded
by the Agent on the Register only upon the acceptance by the Agent of a properly
executed and delivered Assignment and Assumption Agreement pursuant to Section
12.04(b).  Coincident with the delivery of such an Assignment and Assumption
Agreement to the Agent for acceptance and registration of assignment or transfer
of all or part of a Loan, or as soon thereafter as practicable, the assigning or
transferor Lender shall surrender the Note (if any) evidencing such Loan, and
thereupon one or more new Notes in the same aggregate principal amount shall be
issued to the assigning or transferor Lender and/or the new Lender upon the
request of any such Lender.  The Borrowers jointly and severally agree to
indemnify the Agent from and against any and all losses, claims, damages and
liabilities of whatsoever nature which may be imposed on, asserted against or
incurred by the Agent in performing its duties under this Section 12.17.

     12.18  Judgment Currency.
            -----------------

            (a) The Credit Parties' obligations hereunder and under the other
Credit Documents to make payments in the respective Applicable Currency (the
"Obligation Currency") shall not be discharged or satisfied by any tender or
recovery pursuant to any judgment expressed in or converted into any currency
other than the Obligation Currency, except to the extent that such tender or
recovery results in the effective receipt by the Agent, the Canadian Co-Agent,
the Collateral Agent or the respective Lender of the full amount of the
Obligation Currency expressed to be payable to the Agent, the Canadian Co-Agent,
the Collateral Agent or such Lender under this Agreement or the other Credit
Documents.  If for the purpose of obtaining or enforcing judgment against any
Credit Party in any court or in any jurisdiction, it becomes necessary to
convert into or from any currency other than the Obligation Currency (such other
currency being hereinafter referred to as the "Judgment Currency") an amount due
in the Obligation Currency, the conversion shall be made, at the Canadian Dollar
Equivalent or the Dollar Equivalent thereof, as the case may be, and, in the
case of other currencies, the rate of exchange (as quoted by the Agent or if the
Agent does not quote a rate of exchange on such currency, by a known dealer in
such currency designated by the Agent) determined, in each case, as of the day
immediately preceding the day on which the judgment is given (such Business Day
being hereinafter referred to as the "Judgment Currency Conversion Date").

            (b) If there is a change in the rate of exchange prevailing between
the Judgment Currency Conversion Date and the date of actual payment of the
amount due, the Borrowers covenant and agree to pay, or cause to be paid, such
additional amounts, if any (but in any event not a lesser amount) as may be
necessary to ensure that the amount paid in the Judgment Currency, when

                                      112
<PAGE>

converted at the rate of exchange prevailing on the date of payment, will
produce the amount of the Obligation Currency which could have been purchased
with the amount of Judgment Currency stipulated in the judgment or judicial
award at the rate or exchange prevailing on the Judgment Currency Conversion
Date.

            (c) For purposes of determining the Canadian Equivalent or the
Dollar Equivalent or any other rate of exchange for this Section, such amounts
shall include any premium and costs payable in connection with the purchase of
the Obligation Currency.

     12.19  Authorization for Quebec Security.  For greater certainty, and
            ---------------------------------
without limiting the powers of the Agent hereunder or under any of the Security
Documents, DBF hereby acknowledges that the Agent shall, for purposes of holding
any security granted by DBF on DBF's property pursuant to the laws of the
Province of Quebec, be the holder of an irrevocable power of attorney (within
the meaning of the Civil Code of Quebec) for all present and future Lenders, and
in particular for all present and future holders of any debenture described in
Exhibit I-4.  Each of the Lenders hereby irrevocably constitutes, to the extent
necessary, the Agent as the holder of an irrevocable power of attorney (within
the meaning of Article 2692 of the Civil Code of Quebec) in order to hold
security granted by DBF in the Province of Quebec.  Any assignee of any Lender
shall be deemed to have confirmed and ratified the constitution of the Agent as
the holder of such irrevocable power of attorney by execution of the relevant
Assignment and Assumption Agreement.  Notwithstanding the provisions of Section
32 of the Special Corporate Powers Act (Quebec), the Agent may acquire and be
the holder of any debenture issued by DBF as contemplated under any of the
Security Documents at any time and from time to time.  DBF hereby acknowledges
that any such debenture constitutes a title of indebtedness, as such term is
used in Article 2692 of the Civil Code of Quebec.

     12.20  Acknowledgment Regarding Canadian General Guaranty. The Lenders and
            --------------------------------------------------
the Agent hereby acknowledge that the obligations of the U.S. Credit Parties
under the Canadian General Guaranty and the liens on the assets of the U.S.
Credit Parties securing the U.S. Credit Parties' obligations in respect of the
Canadian General Guaranty are subordinate and junior to the obligations of the
U.S. Credit Parties in respect of their other Obligations (including, without
limitation, in respect of the Dollar Loans and the Letters of Credit).

     SECTION 13.  Transitional Arrangements.
                  -------------------------

     13.01  Existing Credit Agreement Superseded. This Agreement shall supersede
            ------------------------------------
the Existing Credit Agreement in its entirety, except as provided in this (S)13.
On the Effective Date, the rights and obligations of the parties under the
Existing Credit Agreement and the "Notes" as defined therein shall be subsumed
within and be governed by this Agreement and the Notes; provided, however, that
each of the "Revolving Loans", "Swingline Loans" and "Competitive Bid Loans" (as
each such term is defined in the Existing Credit Agreement) outstanding under
the Existing Credit Agreement on the Effective Date shall, for purposes of this
Agreement, be included as, respectively, as Revolving Loans or Swingline Loans
and Competitive Bid Loans and each of the "Letters of Credit" (as defined in the
Existing Credit Agreement) outstanding under the Existing Credit Agreement on
the Effective Date shall be Letters of Credit.

     13.02  Return and Cancellation of Notes. Upon its receipt of the Notes to
            --------------------------------
be delivered hereunder on the Effective Date, each Bank will promptly return to
the Borrower, marked "Exchanged" or "Cancelled," as applicable, the Notes of the
Borrower held by such Bank pursuant to the Existing Credit Agreement, if any.

                                      113
<PAGE>

     13.03  Interest and Fees Under Superseded Agreement. All interest and all
            --------------------------------------------
commitment and other fees and expenses owing or accruing under or in respect of
the Existing Credit Agreement shall be calculated as of the Effective Date
(prorated in the case of any fractional periods), and shall be paid on the dates
and in accordance with the method specified in the Existing Credit Agreement, as
if the Existing Credit Agreement were still in effect.

                                     * * *

                                      114
<PAGE>

     IN WITNESS WHEREOF, each of the parties hereto has caused a counterpart of
this Agreement to be duly executed and delivered as of the date first above
written.

Address:                             WORKFLOW MANAGEMENT, INC.

240 Royal Palm Way
Palm Beach, FL  33480
(561) 659-6551                   By  /s/ Workflow Management, Inc.
                                   --------------------------------
                                            Name:
                                            Title:

                                     DATA BUSINESS FORMS LIMITED

                                     By  /s/ Data Business Forms Limited
                                       --------------------------------------
                                            Name:
                                            Title:

                                     FLEET NATIONAL BANK
                                     Individually and as Agent

                                     By  /s/ Fleet National Bank
                                       --------------------------------------
                                            Name:
                                            Title:
<PAGE>

                                     BANK ONE, N.A.

                                     By    /s/ Bank One, N.A.
                                       --------------------------------------
                                            Name:
                                            Title:
<PAGE>

                                     COMERICA BANK

                                     By  /s/ Commerce Bank
                                       --------------------------------------
                                           Name:
                                           Title:
<PAGE>

                                     BANK OF AMERICA

                                     By  /s/ Bank of America
                                       --------------------------------------
                                          Name:
                                          Title:
<PAGE>

                                     UNION BANK OF CALIFORNIA, N.A.

                                     By    /s/ Union Bank of California, N.A.
                                       ---------------------------------------
                                          Name:
                                          Title:
<PAGE>

                                     NATIONAL CITY BANK

                                     By  /s/ National City Bank
                                       ----------------------------------------
                                          Name:
                                          Title:

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