Document:

<PAGE>
                                                                   EXHIBIT 10.36

"[*] = OMITTED, CONFIDENTIAL MATERIAL, WHICH MATERIAL HAS BE SEPARATELY FILED
WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO A REQUEST FOR
CONFIDENTIAL TREATMENT.

                  SECOND AMENDMENT TO COMMERCIAL LOAN AGREEMENT

        This Second Amendment dated as of March 31, 2002 ("Amendment"), amends
that certain Commercial Loan Agreement dated December 1, 1997, as amended
("Agreement"), between Northland Cable Properties Seven Limited Partnership
("NCP-Seven") and Bank of America, N.A., as agent for itself and for each
financial institution which is properly defined as a "Bank" in the Definitions
Addendum attached thereto.

        Whereas, NCP-Seven has requested Bank to permit a restructuring of the
Loan that will allow NCP-Seven to conduct an orderly liquidation of its assets;

        Whereas, NCP-Seven has requested Bank to amend the terms of the
Agreement to permit this restructuring; and

        Whereas, NCP-Seven has requested Bank to make the further agreements
contained in this Amendment.

        Whereas, Bank has agreed to the foregoing on the terms and conditions
set forth herein.

        Now, therefore, in consideration of the mutual promises contained herein
and other good and valuable consideration, receipt of which is hereby
acknowledged, and in order to induce Bank to extend such credit, NCP-Seven and
Bank each hereby agree as follows:

        1. LOANS. Section 2.1 of the Agreement is hereby stricken and replaced
with the following:

               Section 2.1 Loans. The parties acknowledge that as of March 31,
        2002 (hereafter the "Commitment Termination Date"), Bank has advanced
        $40,700,000 (hereinafter, the "Commitment") to NCP-Seven under this
        Agreement, in two tranches, known as "Tranche A" and "Tranche C."
        Effective as of the Commitment Termination Date the parties mutually
        agree that (a) the Commitment Period shall be terminated; (b) Tranche A
        and Tranche C shall be combined and the aggregate amount of the Loans
        outstanding shall be repaid in accordance with Section 3.1; (c) no
        further Advances under the Commitment shall be made; and (d) the
        Commitment may not be repaid and reborrowed. NCP-Seven shall execute and
        deliver a promissory note in the form attached as Exhibit E - 2 to
        evidence all amounts advanced. All other promissory notes evidencing
        indebtedness under the Agreement shall be cancelled and returned to
        NCP-Seven.

Exhibit E - 2 attached hereto, is hereby added to the Agreement.

        2. PAYMENTS. Section 3.1 of the Agreement is hereby stricken and
replaced with the following:

               Section 3.1 Repayment of Principal. On the last Business Day of
        each March, June, September and December, beginning on the Commitment
        Termination Date, NCP-Seven shall pay to Bank as installments of
        principal under the Note, the payment amount which is set forth in the
        table appearing below.

<TABLE>
<CAPTION>
Quarters                                         Quarterly Payment Amount
-------------------------------------            ------------------------
<S>                                              <C>
March 31, 2002                                   $250,000
June 30, 2002, through December 31, 2002         $300,000
March 31, 2003, through June 30, 2003            $500,000
September 30, 2003 through December 31, 2003     $600,000
March 31, 2004                                   Entire Outstanding Balance
</TABLE>

<PAGE>

        In all events, all remaining principal and accrued interest due under
        the Note shall be due and payable in full on March 31, 2004.

        3. CONFORMING CHANGES TO SECTIONS 3.2 AND 3.3. The reference to "March
31, 2006" in Section 3.2 of the Agreement is hereby stricken and replaced by
"March 31, 2004." The reference to "June 30, 2006" in Section 3.3 of the
Agreement is hereby stricken and replaced by "March 31, 2004."

        4. PREPAYMENT. The initial paragraph of Section 3.5 of the Agreement is
hereby stricken and replaced with the following:

               Section 3.5 Prepayment. No prepayment, including any Qualifying
        Asset Sale Reduction, shall be made until NCP-Seven (a) delivers to Bank
        prior written notice of its intent to prepay, which notice shall be
        given at least 10 Business Days before the date of prepayment and
        contain the amount to be prepaid, and (b) pays any premium required
        below. Notwithstanding the foregoing, NCP-Seven need not give the notice
        required by (a) above with respect to any prepayment required by Section
        3.2 (but the premium required by (b) above and Section 3.5(b) shall be
        paid). Any prepayment of less than the full amount outstanding (which
        partial prepayments may be made upon compliance with (a) and (b)) shall
        be applied in the inverse order of maturity and shall first be applied
        to Cost and Fees and any prepayment fees then due, then to accrued
        interest, then to the outstanding principal balance of the Loan.

The remainder of Section 3.5 of the Agreement commencing with Section 3.5(a)
shall remain unchanged.

        5. FEES. Section 4.2 of the Agreement is hereby stricken and replaced
with the following:

               Section 4.2 Quarterly Loan Fee. NCP-Seven agrees to pay Bank a
        quarterly loan fee equal to the amount set forth below on the last day
        of each calendar quarter:

<TABLE>
<CAPTION>
Due Date                                         Fee Amount
-----------------                                ----------
<S>                                              <C>
June 30, 2002                                    [*]
September 30, 2002                               [*]
December 31, 2002                                [*]
March 31, 2003                                   [*]
June 30, 2003                                    [*]
September 30, 2003                               [*]
December 31, 2003                                [*]
March 31, 2004                                   [*]
</TABLE>

        provided that in the event of a Qualifying Asset Sale Reduction the
        quarterly loan fee payable each calendar quarter thereafter shall be
        reduced by the percentage the Qualified Asset Sale Reduction bears to
        the outstanding principal balance of the Loans immediately prior to the
        Qualified Asset Sale Reduction.

        6. OTHER FINANCIAL INFORMATION. The initial paragraph of Section 7.3 of
the Agreement is hereby stricken and replaced with the following:

               Section 7.3 Financial Statements and Reports. NCP Seven shall
        deliver to Bank a monthly report (current as of month-end) within 30
        days of each month end, containing: the number of subscribers in the NCP
        System (detailed per cable system in a manner reasonably requested by
        Bank); a breakdown of the subscriptions into subscriptions for basic
        services regulated under 47 U.S.C. Section 543 and other services
        offered in connection therewith ("Basic Package") and those for greater
        revenue producing services ("Premium Services"); the number

[*] = Confidential Treatment Requested.

<PAGE>

        (reasonably approximated in accordance with industry standards) of homes
        or apartments passed by the system; and, on an quarterly basis (attached
        as exhibits to the statements delivered under (a) and (b) below), a
        description of all material differences between the internal projected
        budget for the year in question and the actual expenditures for such
        year.

The remainder of Section 7.3 of the Agreement shall remain unchanged.

        7. CHANGE TO FINANCIAL COVENANTS. Sections 7.7 (a), (b), (c), (d) and
(e) of the Agreement are hereby stricken and replaced with the following:

               (a) Funded Debt/EBITDA. The ratio of the Funded Debt of NCP-Seven
to its EBITDA shall not exceed the ratio indicated below:

<TABLE>
<CAPTION>
Measured as of                                   Funded Debt to EBITDA Ratio
---------------------------                      ---------------------------
<S>                                              <C>
2002 first fiscal quarter                        6.45 to 1
2002 second fiscal quarter                       6.10 to 1
2002 third fiscal quarter                        6.00 to 1
2002 fourth fiscal quarter                       5.90 to 1
2003 first fiscal quarter                        5.90 to 1
2003 second fiscal quarter                       5.45 to 1
2003 third fiscal quarter                        5.30 to 1
2003 fourth fiscal quarter                       5.20 to 1
</TABLE>

               (b) Minimum Subscribers. NCP-Seven shall maintain at least the
following minimum number of subscribers:

<TABLE>
<CAPTION>
Measured as of                                   Minimum Subscribers
---------------------------                      -------------------
<S>                                              <C>
2002 first fiscal quarter                        33,908
2002 second fiscal quarter                       33,399
2002 third fiscal quarter                        33,065
2002 fourth fiscal quarter and each fiscal       32,900
quarter thereafter
</TABLE>

               (c) Interest Coverage Ratio. The ratio of (i) the Cash Flow of
NCP-Seven to (ii) the interest expense on Total Debt of NCP-Seven shall be at
least 2.25, calculated as of the end of each fiscal quarter.

               (d) Management Fee. In the event a Qualified Asset Sale Reduction
has not occurred or is not under contract on or before September 30, 2002,
NCP-Seven shall defer payment of management fees to Northland commencing October
1, 2002, and, until such time as a Qualified Asset Sale Reduction has occurred,
payment of such fees shall be subordinated to the Obligations pursuant to the
terms of the Subordination Agreement.

               (e) Investments and Capital Expenditures. Not make any (i) loan
or advance to any person or purchase or otherwise acquire the capital stock,
assets or obligations of, or any interest in, any person; (ii) investment
outside the ordinary course of business except investments in certificates of
deposit maturing within one year from the date of acquisition from any one or
more of the top 100 commercial banks in the United States, in prime commercial
paper with maturities of less than one year, or in obligations issued or
guaranteed by any Governmental Body of the United States; and (iii) any
expenditures for fixed assets or other Capital Expenditures shall not exceed
$2,600,000 for fiscal year 2002, $2,500,000 for fiscal year 2003 and $200,000
for the first fiscal quarter of 2004. The foregoing amounts may not be carried
forward into another year without the Consent of Bank.

<PAGE>

        8. AMENDMENT TO DEFINITIONS. The terms "Adjusted LIBOR Rate," "Base Rate
Margin," "Commitment Period," "Determination Date," "Interest Payment Date,"
"Note," and "Participant" defined in the Definitions Addendum of the Agreement
are hereby stricken and replaced with the following:

               "Adjusted LIBOR Rate" shall mean for any day that per annum rate
        equal to the sum of (a) the LIBOR Margin, (b) the Assessment Rate, and
        (c) the quotient of (i) the LIBOR Rate as determined for such day,
        divided by (ii) the Reserve Adjustment. The Adjusted LIBOR Rate shall
        change with any change in the LIBOR Rate on the first day of each
        Interest Period and on the effective date of any change in the
        Assessment Rate or Reserve Adjustment. The "LIBOR Margin" shall be 4.00%
        per annum from March 1, 2002, through and including December 31, 2002,
        5.00% per annum thereafter through and including December 31, 2003, and
        6.00% per annum thereafter; provided that the "LIBOR Margin" shall be
        4.00% per annum after a Qualifying Asset Sale Reduction.

               "Borrowing Notice" means the notice form attached and
        incorporated herein as Exhibit A-1 appropriately completed and executed
        by any officer of Northland who is the President, Treasurer, or any
        financial vice president, each of whom is severally authorized to select
        such rates.

               "Commitment Period" means the period commencing on Closing and
        ending March 31, 2002.

               "Determination Date" means the Closing Date and the last Business
        Day of each September, December, March and June thereafter through and
        including March 31, 2004.

               "Interest Payment Date" means (a) for a Base Rate Loan, the last
        Business Day of each September, December, March and June; and (b) for a
        LIBOR Rate Loan, the last Business Day of the Interest Period; and (c)
        for all Loans, the maturity date of each Loan, including maturity by
        acceleration.

               "Interest Period" means the period commencing on the date of any
        Advance and ending on the date set forth below, subject to acceleration
        after an Event of Default. For any LIBOR Rate Loan, the end of the
        Interest Period shall be the last day of the one, two or three month
        period designated by NCP-Seven in a Borrowing Notice (so long as such
        period ends on or before March 31, 2004). For any Base Rate Loan, the
        end of the Interest Period shall be March 31, 2004, unless NCP-Seven
        shall cause the period to expire earlier by submitting a Borrowing
        Notice requesting an Adjusted LIBOR Rate for said loan (and thereby
        converting the Base Rate Loan to a LIBOR Rate Loan). Notwithstanding the
        foregoing, in the event that the last day of any Interest Period would
        fall on a day other than an International Banking Day, the Interest
        Period shall be extended to the next succeeding International Banking
        Day (unless said day would be in the next calendar month in which case
        the date for payment shall be the immediately preceding International
        Banking Day) if such is not later than March 31, 2004.

               "Note" means the promissory note in substantially the form
        attached as Exhibit E-2 evidencing the Loans, all as amended, extended
        and renewed from time to time.

               "Participant" means one or more entities to whom Bank transfers
        an interest in this Agreement or any Related Document. References to
        Bank shall be deemed to include all Participants. The interest of each
        Participant (and Bank of America) shall be an undivided interest in all
        rights under this Agreement and each Related Document equal to the
        percentage of the outstanding principal balance of the Obligations
        funded by that Participant (hereafter the "Pro Rata Share"). Each
        Participant's (including Bank of America) obligation under the Loan
        shall be limited to its interest in the Loan. Each Participant shall
        become a Participant upon execution by both such Participant and Bank of
        America, and delivery to Bank of America, of an Assignment and
        Assumption Certificate in the form of Exhibit Q - 2 attached.

<PAGE>

Exhibit A-1 and Exhibit Q - 2 attached hereto, are hereby added to the
Agreement.

        9. DEFINITIONS OF "EBITDA," "FUNDED DEBT," AND "QUALIFYING ASSET SALE
REDUCTION." The terms "EBITDA, "Funded Debt" and "Qualifying Asset Sale
Reduction" are hereby added to the Definitions Addendum of the Agreement as
follows:

               "EBITDA" means, for any Person, for any period, net income (or
        net loss), plus the sum of (i) interest expense (including the interest
        component of rentals paid or accrued under capital leases), (ii)
        provision for taxes based on income (iii) depreciation and amortization,
        (iv) management fees accrued but not paid and (v) plus or minus other
        non-cash charges or credits, in each case determined on a consolidated
        basis in accordance with GAAP for such period.

               "Funded Debt" means, for any Person, an amount equal to (a) all
        indebtedness for borrowed money, and (b) all obligations with respect to
        capital leases.

               "Qualifying Asset Sale Reduction" means a prepayment of the Loans
        in an amount of at least $15,000,000 resulting from a sale of any
        portion of NCP-Seven's assets made with the Consent of Bank.

        10. WAIVER OF FINANCIAL COMPLIANCE. Bank hereby waives, pursuant to
Section 9.2 of the Agreement, NCP-Seven's compliance with Sections 7.7(a), (d)
and (e) of the Agreement for the fiscal quarter ending December 31, 2001. The
foregoing waiver shall not constitute a waiver of any other term or condition of
the Agreement and Bank reserves the right, at its option, to declare a Default
under the Agreement for any subsequent failure to comply with Sections 7.7(a)
(d) and (e) of the Agreement. Further, the foregoing waiver shall not preclude
the exercise of any other right, power, or privilege under the Agreement.

        11. CONSENT TO DISPOSITIONS. Bank hereby consents to Dispositions of the
assets of NCP-Seven provided that: (a) Bank is notified in advance of the
proposed Disposition; (b) all net proceeds of or payment for the Disposition are
remitted to Bank as a condition to the Disposition; and (c) Bank reasonably
believes the Disposition does not impair the value of Bank's Collateral or
NCP-Seven's financial condition or ability timely to pay and perform all of the
remaining Obligations.

        12. AMENDMENT FEE. In consideration of Bank extending the financial
accommodations described in this Amendment, NCP-Seven agrees to pay Bank an
amendment fee in the amount of [*], as of the date of this Amendment.

        13. CONDITIONS PRECEDENT. This Amendment shall not be effective unless
and until the following conditions have been fulfilled to Bank's satisfaction:
(a) Bank shall have received this Amendment, duly executed and delivered by the
parties hereto; (b) Bank shall have received an Amendment to the Subordination
Agreement, in form acceptable to Bank and executed by NCP-Seven, which provides
that no management fees may be paid by NCP-Seven commencing October 1, 2002, if
a Qualifying Asset Sale Reduction has not occurred or is not under contract on
or before September 30, 2002 until such time as a Qualified Asset Sale Reduction
has been effected; (c) Bank shall have received from each Participant an
executed Assignment and Assumption Agreement in form and substance satisfactory
to Bank; (d) Bank shall have received the Amendment Fee described in paragraph
12, hereof; (e) except as waived under Section 10 above, there shall not exist
any Default or Event of Default under the Agreement or any Related Document; (f)
NCP-Seven shall have paid all of Bank's Costs and Expenses (including attorneys'
fees) incurred in connection with this Amendment; and (g) all representations
and warranties of NCP-Seven contained in the Agreement or otherwise made in
writing in connection therewith or herewith shall be true and correct and in all
material respects have the same effect as though such representations and
warranties had been made on and as of the date of this Amendment.

[*] = Confidential Treatment Requested.

<PAGE>

        14. REPRESENTATIONS AND WARRANTIES. NCP-Seven hereby represents and
warrants to Bank that as of the date of this Amendment, except as waived under
Section 10 above, there exists no Default or Event of Default. All
representations and warranties of NCP-Seven contained in the Agreement and the
Related Documents, or otherwise made in writing in connection therewith, are
true and correct as of the date of this Amendment. NCP-Seven acknowledges and
agrees that all of the obligations are payable without offset, defense, or
counterclaim.

        15. SECURITY. All Related Documents evidencing Bank's security interest
in the Collateral on behalf of Bank shall remain in full force and effect, and
shall continue to secure, without change in priority, the payment and
performance of the Loans, as amended herein, and any other Obligations owing
from NCP-Seven to Bank pursuant to the terms of the Agreement and the Related
Documents.

        16. COUNTERPARTS. This Amendment may be executed in one or more
counterparts, each of which shall constitute an original agreement, but all of
which together shall constitute one and the same agreement.

        17. OTHER TERMS. Terms not otherwise defined herein shall have the
meanings defined in the Agreement. Except as specifically amended or waived by
this Amendment, all other terms and conditions of the Agreement shall remain in
full force and effect and each are hereby ratified and confirmed. ORAL
AGREEMENTS OR ORAL COMMITMENTS TO LOAN MONEY, TO EXTEND CREDIT, OR TO FORBEAR
FROM ENFORCING REPAYMENT OF A DEBT ARE NOT ENFORCEABLE UNDER WASHINGTON LAW.

<TABLE>
<S>                                                  <C>
NCP-SEVEN:                                           BANK:

NORTHLAND CABLE PROPERTIES                           BANK OF AMERICA, N.A.
SEVEN LIMITED PARTNERSHIP

By:  Northland Communications Corporation,
     Managing General Partner

By /s/ Gary S. Jones                                 /s/ Janet Sleeper
   -------------------------------------------       ------------------------------------
Its President                                        Janet Sleeper, Senior Vice President
    ------------------------------------------
    on behalf of Northland Communications
    Corporation, as Managing General Partner
    and as agent for FN Equities
    Joint Venture, Administrative
    General Partner
</TABLE>

    Consent of Northland

        The undersigned acknowledges receipt of a copy of the Second Amendment
to that certain Commercial Loan Agreement dated December 1, 1997, between
Northland Cable Properties Seven Limited Partnership and Bank of America, N.A.,
attached hereto, and consents to its contents.

        DATED as of this 31st day of March, 2002.

                                        NORTHLAND COMMUNICATIONS CORPORATION, a
                                        Washington corporation

                                        By  /s/ Gary S. Jones
                                            --------------------------------
                                        Its   President<PAGE>
                                                                   EXHIBIT 10.46

                           SECOND AMENDMENT TO AMENDED
                          AND RESTATED CREDIT AGREEMENT

          This Second Amendment to Amended and Restated Credit Agreement
("Amendment") dated as of June 24, 2002, is made by and among NORTHLAND CABLE
PROPERTIES EIGHT LIMITED PARTNERSHIP, a Washington limited partnership ("NCP
Eight"), solely for purposes of Section 3.5 hereof, NORTHLAND COMMUNICATIONS
CORPORATION, a Washington corporation ("NCC"), and U.S. BANK NATIONAL
ASSOCIATION, a national banking association, as successor, by merger, to U.S.
Bank of Washington, National Association ("U.S. Bank"), as agent for Lenders (in
such capacity, "Agent"). Words and phrases with initial capital letters shall
have the meanings given to them in Article 1 of this Amendment.

                                    RECITALS

          A. NCP Eight and U.S. Bank entered into that certain Amended and
Restated Credit Agreement dated January 4, 1996, as amended by that certain
First Amendment to Amended and Restated Credit Agreement dated March 30, 1998
(the "Credit Agreement").

          B. NCP Eight, NCC, and U.S. Bank have entered into that certain
Subordination Agreement dated January 4, 1996 (the "Subordination Agreement").

          C. NCP Eight, NCC, and U.S. Bank have agreed to amend the terms and
conditions of the Credit Agreement so as to (1) extend the maturity date of the
Loan to December 31, 2003, and (2) modify certain other covenants and provisions
of the Credit Agreement and the Subordination Agreement.

          NOW, THEREFORE, in consideration of the foregoing and the mutual
covenants and agreements set forth herein, the parties hereto agree as follows:

                             ARTICLE I - DEFINITIONS

          Section 1.1 Defined Terms. As used herein, capitalized terms shall
have the meanings given to them in the Credit Agreement, except as otherwise
defined herein or as the context requires.

          Section 1.2 Modified Defined Terms. Section 1.1 of the Credit
Agreement is hereby amended by deleting the definitions of "LIBOR Rate" and
"LIBOR Rate Loan" and replacing them with the following:

                  "LIBOR Rate" means, with respect to each Interest Period
          applicable to a LIBOR Rate Loan, the average offered rate for deposits
          in United States dollars (rounded upward, if necessary, to the nearest
          1/16 of 1%) for delivery of such deposits on the first day of such
          Interest Period, for the number of days in such Interest Period, which
          appears on Telerate page 3750 as of 11:00 A.M., London time (or such
          other time as of which such rate appears) two LIBOR Business Days
          prior to the first day of such Interest Period, or the rate for such
          deposits determined by the Agent at such time based on such other
          published service of

<PAGE>
          general application as shall be selected by the Agent for such
          purpose; provided, that in lieu of determining the rate in the
          foregoing manner, the Agent may determine the rate based on rates at
          which United States dollar deposits are offered to the Agent in the
          interbank Eurodollar market at such time for delivery in Immediately
          Available Funds on the first day of such Interest Period in an amount
          approximately equal to the Advance by the Agent to which such Interest
          Period is to apply (rounded upward, if necessary, to the nearest 1/16
          of 1%).

                  "LIBOR Rate Loan" means any borrowing for which NCP Eight has
selected the Adjusted LIBOR Rate to apply.

          Section 1.3 Additional Defined Terms. Section 1.1 of the Credit
Agreement is hereby amended to add the following defined terms:

                  "Adjusted LIBOR Rate" means, With respect to each Interest
          Period applicable to a LIBOR Rate Loan, the rate (rounded upward, if
          necessary, to the next 1/16th of 1%) determined by dividing the LIBOR
          Rate for such Interest Period by 1.00 minus the LIBOR Reserve
          Percentage.

                  "LIBOR Business Day" means, any Business Day which is also a
          day for trading by and between banks in United States dollar deposits
          in the interbank Eurodollar market and a day on which banks are open
          for business in New York City.

                  "LIBOR Reserve Percentage" means, as of any day, that
          percentage (expressed as a decimal) which is in effect on such day, as
          prescribed by the Board for determining the maximum reserve
          requirement (including any basic, supplemental or emergency reserves)
          for a member bank of the Federal Reserve System, with deposits
          comparable in amount to those held by the Agent, in respect of
          "Eurocurrency Liabilities" as such term is defined in Regulation D of
          the Board. The rate of interest applicable to any outstanding LIBOR
          Rate Loans shall be adjusted automatically on and as of the effective
          date of any change in the LIBOR Reserve Percentage.

                  "Immediately Available Funds" means funds with good value on
          the day and in the city in which payment is received.

                  "Telerate page 3750" means the display designated as such on
          the Telerate reporting system operated by Telerate System Incorporated
          (or such other page as may replace page 3750 for the purpose of
          displaying London interbank offered rates of major banks for United
          States dollar deposits).

<PAGE>
                     ARTICLE II- MODIFICATION OF LOAN TERMS

         Section 2.1 Interest Rate Modifications.

                  (a) Section 3.4.2 of the Credit Agreement is hereby amended by
deleting all references to "Business Day" and replacing them with "LIBOR
Business Day". Section 3.4.2 of the Credit Agreement is further amended by
deleting all references to "LIBOR Rate" and replacing them with "Adjusted LIBOR
Rate".

                  (b) Section 3.4.3 of the Credit Agreement is hereby amended by
deleting the table set forth therein and replacing it with the following:

<TABLE>
<CAPTION>
                Ratio of Funded Debt to Annualized                    Prime                          LIBOR
                            Cash Flow                              Incremental                    Incremental
                (rounded to the nearest hundredth)                    Rate                           Rate
                ----------------------------------                 -----------                    -----------
<S>                                                                <C>                            <C>
                         More than 4.0:1                              1.00%                          3.00%

                          3.5:1 to 4.0:1                              0.50%                          2.50%

                         Less than 3.5:1                              0.25%                          2.00%
</TABLE>

         Section 2.2 Repayment. Section 3.5 of the Credit Agreement is hereby
amended in its entirety to read as follows:

                  3.5 Repayment. Interest on the Second Replacement Note shall
          be paid Quarterly, commencing June 30, 2002, except with respect to
          LIBOR Rate Loans for which interest shall be paid either on the 90th
          day after the borrowing, renewal, or conversion date with respect to
          such LIBOR Rate Loan, or at the end of each Interest Period, whichever
          is sooner. For example, if an Interest Period expires more than 90
          days after the borrowing, renewal, or conversion date with respect to
          such LIBOR Rate Loan, interest shall be paid on the 90th day and at
          the expiration of the Interest Period. Lender acknowledges receipt of
          Borrower s payment in the amount of $230,000 to be applied towards the
          principal balance of the Loan. The principal balance of the Loan
          outstanding as of the date of this Amendment shall be paid in
          Quarterly installments of $200,000, with the entire balance due and
          payable on December 31, 2003, notwithstanding anything to the contrary
          in Section 3.1 hereof. Accordingly, no principal payment shall be due
          for June 30, 2002, and the September 30, 2002, installment of
          principal shall be in the amount of $170,000.

          Section 2.3 Replacement Note. The Loan shall be evidenced by a Second
Replacement Note in the form attached to this Amendment as Exhibit A ("Second
Replacement Note"). The Second Replacement Note shall be a "Note" for all
purposes of the Credit Agreement and the other Loan Documents and shall be in
substitution for, but not in payment of: (a) that certain Replacement Note dated
March 30, 1998, in the principal amount of $10,925,000, which shall be marked
"replaced" by the Agent, (b) and the certain Renewal Revolving Note dated
January 4, 1996, in the principal amount of $11,925,000 which has been marked
"replaced". Both such replaced notes shall be retained by Agent until the Loan
shall have been paid in full.

<PAGE>
                     ARTICLE III - MODIFICATION OF COVENANTS

          Section 3.1 Cash Flow to Debt Service. Section 7.11.1 of the Credit
Agreement is hereby amended in its entirety to read as follows:

                  7.11.1 Cash Flow to Debt Service. As of the end of any Quarter
         during the term of the Loan, commencing March 31, 2002, permit the
         ratio of (a) such Quarter's Cash Flow to (b) such Quarter's Debt
         Service to be less than 1.10:1.

          Section 3.2 Funded Debt to Cash Flow. Section 7.11.3 of the Credit
Agreement is hereby amended in its entirety to read as follows:

                  7.11.3 Funded Debt to Cash Flow. As of the end of any Quarter
         during the term of the Loan, permit the ratio of Funded Debt to
         Annualized Cash Flow to exceed the following ratios:

<TABLE>
<CAPTION>
                     For Any Quarter Ending                                    Funded Debt to Annualized
                           During or On:                                            Cash Flow Ratio
                           -------------                                        ------------------------
<S>                                                                             <C>
         March 31, 2002, through December 31, 2002                                       4.75:1.0

         January 1,2003, through March 31, 2003                                          4.50:1.0

         April 1,2003, through June 30, 2003                                             4.25:1.0

         July 1, 2003, through September 30, 2003                                        4.00:1.0

         October 1, 2003, through December 31, 2003                                      3.75:1.0
</TABLE>

         Section 3.3 Sale of Assets. Section 7.5 of the Credit Agreement is
hereby amended by adding the following:

          Notwithstanding the foregoing, NCP Eight may sell either all or a
          portion of its operating assets subject to the prior written approval
          of Agent; provided, however, that the first $1,200,000 in net proceeds
          received by NCP Eight in connection with any such sale shall be
          applied to the principal balance of the Loan. NCP Eight shall use any
          proceeds in excess of $1,200,000 for either (a) capital expenditures
          (subject to the limitations set forth in Section 7.12 below), or (b)
          to further reduce the principal balance of the Loan. Any proceeds used
          to reduce the principal balance of the Loan shall not be subject to
          the prepayment penalty provisions set forth in Section 3.4.7.

         Section 3.4 Capital Expenditure. Section 7.12 of the Credit Agreement
is hereby amended in its entirety to read as follows:

                  7.12 Capital Expenditures. Permit the total amount of capital
          expenditures to exceed $1,200,000 in the calendar year 2002, or in any
          one of the calendar years thereafter. Unused capital expenditures
          under this Section 7.12 in any one year may be carried over to the
          next consecutive year, but not thereafter. Nothing herein shall be
          construed to extend the maturity date of the Loan beyond December 31,
          2003.

         Section 3.5 Blockage of Payment. Section 7 of the Subordination
Agreement is amended by deleting all references to "5.0:1.0" and replacing them
with the applicable Funded Debt to Annualized Cash Flow ratio (as set forth in
Section 7.11.3 hereof) for the applicable period.

<PAGE>
                        ARTICLE IV - CONDITIONS PRECEDENT

          The modifications to the Credit Agreement and the other Loan Documents
set forth in this Amendment shall not be effective unless and until the
following conditions have been fulfilled to Agent's satisfaction:

          (a) Agent shall have received this Amendment, the Second Replacement
Note, and any other documents required by Agent to perfect or continue
perfection of the liens and/or security interests granted by NCP Eight under the
Security Agreement duly executed and delivered by the parties thereto.

         (b) Agent shall have received, duly executed and delivered by NCP
Eight, a certificate in form and substance satisfactory to Agent, confirming
that NCP Eight's authorizing resolutions delivered to Agent have not been
revoked and that NCP Eight's limited partnership agreement has not been amended
or altered since NCP Eight delivered a copy of the agreement to Agent.

         (c) Agent shall have received, duly executed and delivered by NCC, a
certificate in form and substance satisfactory to Agent, confirming that NCC' s
authorizing resolutions delivered to Agent have not been revoked and that NCC's
articles of incorporation and bylaws have not been amended or altered since NCC
Eight delivered a copy of its articles and bylaws to Agent.

         (d) NCP Eight shall have paid to Agent all fees and expenses (including
attorneys' fees) incurred in connection with this Amendment.

                            ARTICLE V - MISCELLANEOUS

         Section 5.1 Notice to U.S. Bank. The designation of the Person to be
notified at Agent and Agent's and Lenders' address for the purpose of any notice
are hereby changed to:

                         U.S. Bank National Association
                                   PD-WA-T7MT
                          1420 Fifth Avenue, 7th Floor
                             Seattle, WA 98101-2333
                    Attention: Jeffery Miller, Vice President
                        Facsimile Number: (206) 344-3646

          Section 5.2 Representations and Warranties. NCP Eight hereby
represents and warrants to Agent that as of the date of this Amendment, there
exists no Default or Event of Default. All representations and warranties of NCP
Eight contained in the Credit Agreement or any other Loan Document, or otherwise
made in connection therewith or herewith are true and correct as of the date of
this Amendment.

          Section 5.3 Security. The parties hereto agree that all Loan
Documents, whether creating, evidencing, or perfecting Lenders' security
interests and liens against the collateral, including without limitation the
Amendment to Security Agreement, the Security Agreement, the Franchise
Assignment, the NCC Subordination Agreement, and all financing statements (a)
shall remain in full force and effect, (b) shall secure the Loan, as amended,
and all other Obligations of NCP Eight under the Credit Agreement and the other
Loan Documents, and (c) are enforceable without defense, offset, or
counterclaim.

<PAGE>
          Section 5.4 Payment of Expenses. NCP Eight shall pay on demand all
costs and expenses of Agent and Lenders incurred in connection with the
preparation, negotiation, execution, and delivery of this Amendment, including
without limitation reasonable attorneys' fees.

          Section 5.5 Counterparts. This Amendment may be executed in one or
more counterparts, each of which shall constitute an original agreement, but all
of which together shall constitute one and the same agreement.

          Section 5.6 Statutory Notice. ORAL AGREEMENTS OR ORAL COMMITMENTS TO
LOAN MONEY, TO EXTEND CREDIT, OR TO FORBEAR FROM ENFORCING REPAYMENT OF A DEBT
ARE NOT ENFORCEABLE UNDER WASHINGTON LAW. IN WITNESS WHEREOF, the parties hereto
have executed this Second Amendment to Credit Agreement as of the date first
above written.

<TABLE>
<S>                                                              <C>
NCP EIGHT:                                                       AGENT:

NORTHLAND CABLE PROPERTIES EIGHT LIMITED PARTNERSHIP, a          U.S. BANK NATIONAL ASSOCIATION
Washington limited partnership

By:     Northland Communications Corporation, a Washington       /s/ Jeffery Miller
        corporation, its Managing General Partner                ------------------------------
                                                                 Jeffery Miller, Vice President

        By: /s/ Gary S. Jones                                    LENDER:
                -----------------------------
        Name: Gary S. Jones
              -------------------------------
        Title: President                                         U.S. BANK NATIONAL ASSOCIATION
               ------------------------------

                                                                 /s/ Jeffery Miller
                                                                 ------------------------------
                                                                 Jeffery Miller, Vice President
</TABLE>

SOLELY FOR PURPOSES OF SECTION 3.5 HEREOF:

NCC:

NORTHLAND COMMUNICATIONS CORPORATION, a Washington
corporation

By: /s/ Gary S. Jones
    ----------------------------
Name: Gary S. Jones
      --------------------------
Title: President
       -------------------------

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