Document:

Exhibit 4.1

                                                    November 8, 2001

Morgan Drive Away, Inc.
TDI, Inc.
2746 Old U.S. 20 West
Elkhart, Indian 46514
Attention: Gary Klusman

Gentlemen:

     Reference is made to (a) the Revolving Credit and Security Agreement, dated
as of July 27, 2001 (the  "Agreement"),  amoung us and each of you,  and (b) the
Letter of Credit Financing Supplement to Revolving Credit Agreement, dated July,
27, 2001 (the "L/C  Supplement"),  among us and each of you.  Capitalized  terms
used  and not  otherwise  defined  herein  shall  have the  respective  meanings
ascribed to them under the Agreement or the L/C Supplement, as the case may be.

     You  have  advised  us that you are in  violation  of the  requirements  of
Sections  12(n),  12(o) and 12(r) of the Agreement for the fiscal  quarter ended
September  30, 2001.  This letter  shall serve to confirm  that,  provided  your
actual  performance  with respect to such Sections of the Agreement was no worse
than that which you have previously  reported to us in writing,  we hereby waive
your failure to be in  compliance  with Sections  12(n),  12(o) and 12(r) of the
Agreement for the fiscal quarter ended  September 30, 2001, as Events of Default
under the Agreement.

     The waivers  provided  herein are only with  respect to the Sections of the
Agreement  referred to above and only for the time period referred to above, and
shall not be construed as a waiver of your compliance with any other  provisions
of the  Agreement,  nor as a waiver of the  provisions of the specific  Sections
referred to above for any other time period.

     In addition,  it is hereby  agreed by and among each of you and us that the
Agreement  shall be amended as follows,  effective as of the date this letter is
duly executed by each of you and delivered to us:

<PAGE>

     1.   The table in the last seven lines of the defined term "Contract  Rule"
          in  Section  1 of  the  Agreement,  immediately  following  the  words
          "rolling  four  quarter  basis",  are  deleted in their  entirety  and
          replaced by the following:

"Funded Debt (including the face amount    Average LIBOR    Alternate Base Rate
of outstanding Letters of Credit/EBITDA    plus Margin      plus Margin

Greater than 4.5                           3.75%            1.25%
Greater than 3.0 but less than 4.5         3.25%             .75%
Greater than 2.0 but less than 3.0         3.00%             .50%
Less than 2.0                              2.75%             .25%"

2.   Section  12(n) of the  Agreement is deleted in its entirety and replaced by
     the following:

     "(n) it shall not  permit  its  Tangible  Net  Worth to be less than  seven
     hundred   seventy-five   thousand  dollars  ($775,000).   Thereafter,   the
     Borrower's  Tangible Net Worth will be tested on a quarterly basis and must
     be in the following minimum amounts as of the end of each of the Borrower's
     following Fiscal quarters:

     Fiscal Quarter                                    Minimum Amount
     --------------                                    --------------

     Fourth Quarter, 2001                              $2,300,000

     First Quarter, 2002                               $2,400,000

     Second Quarter, 2002                              $2,600,000

     Third Quarter, 2002                               $2,800,000

     Fourth Quarter, 2002                              $3,000,000

     First Quarter, 2003                               $5,300,000

     Second Quarter, 2003                              $6,700,000

     Third Quarter, 2003                               $7,800,000

     Fourth Quarter, 2003                              $7,800,000

     First Quarter, 2004                               $7,800,000

     Second Quarter, 2004                              $8,100,000"

3.   Section  12(o) of the  Agreement is deleted in its entirety and replaced by
     the following:

     "(o) it shall maintain a ratio of Funded Debt to EBITDA of not less than:

     Fiscal Quarter                        Minimum Funded Debt/EBITDA Coverage
     --------------                        -----------------------------------

     Fourth Quarter, 2001                  17.00X

     First Quarter, 2002                   8.00X

     Second Quarter, 2002                  9.00X

     Third Quarter, 2002                   6.00X

     Fourth Quarter, 2002                  5.50X

     First Quarter, 2003                   2.70X

     Second Quarter, 2003                  2.50X

     Third Quarter, 2003                   2.40X

     Fourth Quarter, 2003                  2.30X

     First Quarter, 2004                   2.30X

     Second Quarter, 2004                  2.30X"

     (Lender  shall  test  the  Borrower's   Maximum  Funded  Debt/EBITDA  Cover
     quarterly  pursuant  to the table  above and which is based  upon a rolling
     four-quarter calculation.)"

4.   Section  12(r) of the  Agreement is deleted in its entirety and replaced by
     the following:

     "(r) it shall  maintain a Fixed Charge  Coverage Ratio of not less than the
     following:

     Fiscal Quarter                             Minimum Fixed Charge Coverage
     --------------                             -----------------------------

     Fourth Quarter, 2001                       2.00X

     First Quarter, 2002                        3.10X

     Second Quarter, 2002                       1.20X

     Third Quarter, 2002                        1.40X

     Fourth Quarter, 2002                       1.60X

     First Quarter, 2003                        2.00X

     Second Quarter, 2003                       2.00X

     Third Quarter, 2003                        2.00X

     Fourth Quarter, 2003                       2.00X

     First Quarter, 2004                        2.00X

     Second Quarter, 2004                       2.00X"

     (Lender shall test the Borrower's  Minimum Fixed Charge Coverage  quarterly
     pursuant to the table above and which is based upon a rolling  four-quarter
     calculation.)"

     It is also  hereby  agreed  by and  among  each of you and us that  the L/C
Supplement shall be amended as follows,  effective as of the date this letter is
duly executed by each of you and delivered to us:

     A.  Section I of the L/C  Supplement  is amended by  deleting  the table of
Applicable Rates of commissions on page 3 thereof in its entirety, and replacing
it with the following:

  "If the Rate under the    or if the Rate under the    then the Monthly
  Agreement is Average      Agreement is Alternate      Applicable Rate under
  LIBOR plus a Margin of:   Base rate plus Margin of:   this Supplement will be:

           3.75%                    1.25%                      .312%
           3.25%                     .75%                      .270%
           3.00%                     .50%                      .249%
           2.75%                     .25%                      .228%"

     Except  as  heretofore  and  hereby  amended,  the  Agreement  and  the L/C
Supplement  shall remain  unchanged  and in full force and effect in  accordance
with its terms.

     If the  foregoing  correctly  sets forth the  agreement  between us, please
execute a copy of this  letter in the space  provided  below and  return a fully
executed copy of this letter to our offices.

                                               Very truly yours,

                                               GMAC COMMERCIAL CREDIT LLC

                                               By: /s/ Frank Imperati
                                                  ------------------------------
                                               Title: SVP

READ AND AGREED TO:
MORGAN DRIVE AWAY, INC.

By:   /s/ Gary J. Klusman
   --------------------------------------
Title: Exec VP-Finance and Admin

TDI, INC.

By:   /s/ Gary J. Klusman
   --------------------------------------
Title: Exec VP-Finance and AdminExhibit 4.2

                     [GMAC Commercial Credit LLC letterhead]

Morgan Drive Away, Inc.
TDI, Inc.
2746 Old U.S. 20 West
Elkhart, IN 46515

Date: July 27, 2001

Re:  LETTER OF CREDIT  FINANCING  SUPPLEMENT  TO  REVOLVING  CREDIT AND SECURITY
     AGREEMENT

Gentlemen:

     Reference is made to the Revolving  Credit and Security  Agreement  between
us, bearing the effective date  contemporaneously  herewith, as supplemented and
amended (the  "Agreement").  Capitalized  terms  hereinafter  appearing  but not
otherwise defined herein shall have the meanings given in the Agreement.

     From time to time, in order to assist you  (individually  and collectively,
jointly and  severally),  in  establishing  or opening standby Letters of Credit
with a bank or trust company  (herein the "Bank")  required for the operation of
your business,  you may request us to join in the  applications for such Letters
of Credit,  and/or  guarantee  payment or  performance  of such  Letters and any
drafts or  acceptances  thereunder,  thereby  lending  our credit to you.  These
arrangements  shall  be  handled  by us  subject  to  the  following  terms  and
conditions,

     A. Our  assistance in this matter shall at all times and in all respects be
subject  to the  terms  of the  Agreement  and  subject  to the  issuing  Bank's
willingness  to open any such  letter of  credit.  The  amount and extent of the
Letters  of Credit  and the terms and  conditions  thereof  and of any drafts or
acceptances  thereunder,  shall in all  respects  be subject to the terms of the
Agreement.

     B. Any  indebtedness,  liability  or  obligation  of any  sort  whatsoever,
arising or incurred in connection with any Letters of Credit, guarantees, drafts
or acceptances thereunder or otherwise, including without limitation all amounts
due or which may  become due under said  Letters  of Credit,  guarantees  or any
drafts or acceptances thereunder; all amounts charged or chargeable to you or to
us by any Bank, other financial  institutions or correspondent bank which opens,
issues or is involved with such Letters of Credit; any other bank charges;  fees
and commissions;  duties and taxes;  costs of insurance;  all such other charges
and expenses which may pertain either  directly or indirectly to such Letters of
Credit,  drafts,  acceptances,  guarantees or to the goods or documents relating
thereto  ("Documents"),  and our charges as herein  provided,  shall be incurred
solely  as an  accommodation  to you  and for  your  account,  shall  constitute
Obligations  as defined in the  Agreement,  may be charged by us to your account
thereunder at any time without notice to you, shall be secured by all collateral
in which you have  heretofore  granted to us or hereafter grant to us a security
interest shall bear interest at the rate provided in the Agreement, and shall be
repayable to us in accordance  with the terms of the Agreement.  All Obligations
are to be repaid to us solely in United States currency.

     C. You unconditionally  agree to indemnify us and hold us harmless from and
against any and all loss,  claim or  liability  arising  from any  transactions,
occurrences,  errors or omissions  relating to Letters of Credit  established or
opened for your account;  any discrepant or  nonconforming  provisions  thereof;
steamship or airway  guaranties,  releases,  indemnities  or delivery  orders or
similar  documents;  any drafts or acceptances;  and all Obligations  hereunder,
including,  but not limited  to, any such loss,  claim or  liability  due to any
action errors or omissions  attributable  to any Bank, us, any other entity,  or
any other cause;  provided,  however, that you shall not be liable for any loss,
claim or  liability  due to or  arising  from our gross  negligence  or  willful
misconduct.  Your unconditional obligation to us hereunder shall not be modified
or  diminished  for any reason or in any manner  whatsoever.  You agree that any
charges  made by us for your account by the Bank shall be  conclusive  on us and
may be charged to your account.

     D. We shall not be responsible for: any deviation from instructions; delay,
default,  or fraud by the  beneficiaries  of the  Letter  of Credit or any other
party,  or any breach of  contract  between the  beneficiaries  of the Letter of
Credit or any other party and yourselves.  Furthermore, without being limited by
the foregoing,  we shall not be responsible for any act or omission with respect
to or in connection with any of the Documents.

     E. You agree that any action taken by us, if taken in good faith,  under or
in  connection  with the  Letters  of  Credit,  the  guarantees,  the  drafts or
acceptances,  shall not put us in any resulting liability to you. In furtherance
thereof, we shall have the full right and authority to take any of the following
actions in our name or yours (and you agree that you shall not have the right to
take any such action without our express  endorsement in writing):  to clear and
resolve any questions of non- compliance of documents;  to give any instructions
as to  acceptance  or  rejection  of any  documents;  to  execute  any  and  all
applications for releases,  indemnities or delivery orders or similar documents;
to grant any  extensions  of the  maturity  of, time of payment  for, or time of
presentation  of, any drafts,  acceptances,  or  documents;  and to agree to any
amendments, renewals, extensions, modifications, changes or cancellations of any
of the terms or conditions of any of the applications, Letters of Credit, drafts
or  acceptances,  all in our sole name; and the Bank shall be entitled to comply
with and  honor  any and all  such  documents  or  instructions  executed  by or
received solely from us, all without any notice to or any consent from you.

     F. You assume all risk, liability for, and agree to pay and discharge,  all
present and future local,  state,  federal or foreign  taxes,  duties or levies,
which may arise pursuant to any Letter of Credit.

     G. Any rights, remedies, duties or obligations granted or undertaken by you
to any Bank in any application for Letters of Credit, or any standing  agreement
relating to Letters of Credit or otherwise, shall be deemed to have been granted
to us and apply in all  respects  to us and shall be in  addition to any rights,
remedies, duties or obligations contained herein.

     H. On breach by you of any of the terms or  provisions  of this  agreement,
the Agreement or any other  agreement or  arrangement  now or hereafter  entered
into between us, or on the non- payment  when due of any  Obligations,  we shall
have all of the  rights  and  remedies  of a Secured  Party  under  the  Uniform
Commercial  Code or  granted  to us under  the  Agreement  or any of such  other
agreements.

     I. In addition  to any  charges,  fees or  expenses  charged to us for your
account by any Bank in connection with these  transactions (all of which will be
charged to your account and when made by the Bank shall be conclusive on us), we
shall be entitled to charge your  account for our  services  hereunder  with the
following:

          1. UCC filing and search fees.

          2. A commission at the  Applicable  Rate, as set forth below  (minimum
fee in any event $75).  However,  where "time" drafts are involved,  we shall be
entitled to the  Applicable  Rates herein  described for the term of such drafts
remaining unpaid beyond the expiry date of the Letter of Credit.

          The Applicable Rate shall be:

          (a)  one-quarter of one percent (1/4%) per month on the face amount of
each  Letter of Credit,  either  opened or amended  (as to expiry date or dollar
amount)  for the  entire  term of said  Letter  of  Credit,  which  rates may be
adjusted after the first  anniversary of the Closing Date to the rates set forth
below  corresponding  to the then  applicable  rate  under  the  Agreement  such
adjustments being made hereunder at the same time as the  corresponding  changes
are made to the Contract Rate (the "Rate"), under the Agreement; or

                              or if the Rate under
   If the Rate under the      the Agreement is          then the Monthly
   Agreement is Average       Alternate Base Rate       Applicable Rate under
   LIBOR plus Margin of:      plus Margin of:           this Supplement will be:
   --------------------       --------------            -----------------------

            3.5%                       1.00%                    .292%
            3.0%                        .50%                    .250%
            2.75%                       .25%                    .229%
            2.5%                       0.00%                    .208%

          (b)  one-eight  of one  percent  (1/8%) per month above the rate which
would  otherwise  be in effect  under  Section  2(a)  above,  for each month (or
partial  month)  during  the term of each  Letter  of  Credit  during  which the
Interest  Bearing  Obligations  outstanding on each of five or more days in such
month (or  partial  month)  exceed the lending  formula  set forth in  Paragraph
4(b)(i) Clause (II) of the Agreement.

          3. Upon and after the  occurrence  of an Event of Default,  and during
the  continuation  thereof a commission of one sixth percent (1/6%) in excess of
the Applicable Rate.

     For the purpose of the preceding  subdivision  2, Letters of Credit will be
deemed to include not only Letters of Credit  established or opened for you with
our  assistance  as  hereinabove  provided,  but also  other  letters  of credit
established or opened for you by other institutions with respect to which we are
or hereafter become obligated to indemnify such institutions.

          ***the remainder of this page was intentionally left blank***

<PAGE>

     This  agreement,  which is  subject to  modification  only in  writing,  is
supplementary  to, and is to be considered as a part of, the Agreement and shall
take  effect  when  dated,  accepted  and signed in New York State by one of our
officers.  If the foregoing is in accordance with your understanding,  please so
indicate by signing and  returning  the enclosed  copies of this  letter,  after
which we will return a fully executed copy to you for your files.

                                  Very truly yours,

                                  GMAC COMMERCIAL CREDIT LLC

                                  By: /s/ Frank Imperati
                                     -------------------------------------------
                                        Name: Frank Imperati
                                        Title: Senior Vice President

READ AND AGREED TO:

MORGAN DRIVE AWAY, INC.

By: /s/ Gary J. Klusman
   ----------------------------------------
   Name: Gary J. Klusman
   Title: Executive VP Finance and Administration

TDI, INC.

By: /s/ Gary J. Klusman
   ----------------------------------------
   Name: Gary J. Klusman
   Title: Executive VP Finance and Administration

ACCEPTED AS OF JULY ____, 2001, AT NEW YORK, NEW YORK

GMAC COMMERCIAL CREDIT LLC

By: /s/ Frank Imperati
   ----------------------------------------
   Name: Frank Imperati
   Title: Senior Vice President

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