Document:

<PAGE>

                                                                      Exh. 10.30

                      WAIVER AND AMENDMENT AGREEMENT NO. 4

     This Waiver and Amendment Agreement No. 4, dated and effective as of July
11, 2003 (this "Agreement"), is among the Persons that have executed this
Agreement (the "Parties"). Capitalized terms used, but not defined, in this
Agreement are used as defined in the Lease Agreement, dated as of November 30,
2001, between Wells Fargo Bank Northwest, National Association, as Owner Trustee
under S&F Trust 1998-1, as lessor, and Smart & Final Inc., as lessee, as amended
by Waiver and Amendment Agreement No. 1, dated as of June 4, 2002, by Waiver and
Amendment Agreement No. 2, dated as of February 14, 2003, and by Amendment
Agreement No. 3, dated as of June 1, 2003 (the "Lease").

     WHEREAS, Lessee has requested a one-time waiver of Lessee's compliance with
certain Lease covenants, and certain Secured Parties have agreed to waive those
covenants, subject to the terms and conditions of this Agreement.

     NOW, THEREFORE, for good and valuable consideration received, the Parties
agree as follows.

     1. Waiver. The Majority Secured Parties waive Lessee's compliance with
Section 28.5(a), (b), (c), (d) and (f) for the second fiscal quarter of Lessee's
fiscal year 2003.

     2. Conditions Precedent. The effectiveness of this Agreement is subject to
the satisfaction of each of the following conditions precedent.

          (a) The Agent shall have received all of the following, in form and
substance satisfactory to the Agent:

               (i) Amendment Documents. This Agreement and any other instrument,
document or certificate required by the Agent to be executed or delivered by
Lessee or any other Person in connection with this Agreement, duly executed by
them (the "Amendment Documents");

               (ii) Consent of Majority Secured Parties. The Majority Secured
Parties' written consent to this Agreement;

               (iii) Amendment to Lessee Credit Agreement. Evidence that the
parallel financial covenants contained in the Lessee Credit Agreement have been
waived in the same manner as set forth in this Agreement; and

               (iv) Additional Information. Such additional documents,
instruments and information as the Agent may reasonably request to effect the
transactions contemplated hereby.

          (b) Each Lender who executes this Agreement by 5:00 p.m. (EDT) on July
11, 2003 shall have received an amendment fee of 0.20% of its Commitment.

<PAGE>

          (c) The representations and warranties contained in this Agreement and
in the Lease shall be true and correct as of, and as if made on, the date hereof
(except for those that by their terms specifically refer to an earlier date, in
which case such representations and warranties shall be true and correct as of
the earlier date).

          (d) All corporate proceedings taken in connection with the
transactions contemplated by this Agreement and all other agreements, documents
and instruments executed or delivered pursuant to it, and all legal matters
incident thereto, shall be satisfactory to the Agent.

          (e) No Default or Event of Default shall have occurred and be
continuing after giving effect to this Agreement.

     3. Representations and Warranties. Lessee hereby represents and warrants to
the Agent and the Secured Parties that, as of the date of and after giving
effect to this Agreement, (a) the execution, delivery and performance of this
Agreement and all other Amendment Documents executed or delivered in connection
herewith have been authorized by all requisite corporate action on the part of
Lessee and will not violate Lessee's certificate of incorporation or bylaws, (b)
all representations and warranties set forth in the Lease and in any other
Operative Agreement are true and correct as if made again on and as of such date
(except those, if any, that by their terms specifically relate only to an
earlier date, in which case such representations and warranties are true and
correct as of the earlier date), (c) no Default or Event of Default has occurred
and is continuing, and (d) the Lease (as amended by this Agreement) and all
other Operative Agreements are and remain legal, valid, binding and enforceable
obligations in accordance with their terms.

     4. Survival of Representations and Warranties. All representations and
warranties made in this Agreement or any other Operative Agreement shall survive
the execution and delivery of this Agreement and the other Operative Agreements,
and no investigation by the Agent or the Secured Parties, or any closing, shall
affect the representations and warranties or the right of the Agent and the
Secured Parties to rely upon them.

     5. Costs and Expenses. The Borrower shall pay on demand all reasonable
costs and expenses of the Agent (including the reasonable fees, costs and
expenses of counsel to the Agent) incurred in connection with the preparation,
execution and delivery of this Agreement.

     6. Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF CALIFORNIA, WITHOUT REGARD TO
CONFLICT-OF-LAWS PRINCIPLES.

     7. Execution. This Agreement may be executed in any number of counterparts
and by different Parties on separate counterparts, each of which when so
executed shall be deemed to be an original and all of which taken together shall
constitute one and the same instrument. A Party's delivery of an executed
counterpart of this Agreement by telecopier shall be effective as delivery of a
manually executed counterpart of this Agreement.

     8. Limited Effect. This Agreement relates only to the specific matters it
covers, shall not be considered to be a waiver of any rights any Secured Party
may have under the

                                       2

<PAGE>

Operative Agreements (other than as expressed in Section 1), and shall not be
considered to create a course of dealing or to otherwise obligate any Secured
Party to grant similar waivers or execute any amendments under the same or
similar circumstances in the future.

     9. Ratification By Guarantors. Each Guarantor consents to this Agreement
and acknowledges that its guaranty shall remain in full force and effect without
any modification.

     10. Certain Waivers. Each Credit Party agrees that none of the Financing
Parties shall be liable under a claim of, and waives any claim against any
Financing Party based upon, lender liability (including, but not limited to,
liability for breach of the implied covenant of good faith and fair dealing,
fraud, negligence, conversion, misrepresentation, duress, control and
interference, infliction of emotional distress, defamation and breach of
fiduciary duty) as a result of any discussions or actions taken or not taken by
any Financing Party on or before the date hereof, the discussions conducted
pursuant hereto, or any course of action taken by any Financing Party in
response thereto or arising therefrom. This Section 10 shall survive the
execution and delivery of this Agreement and the expiration or termination of
the Lease.

               [Remainder of the Page is Intentionally Left Blank]

                                       3

<PAGE>

     This Agreement may be executed by the parties hereto on separate
counterparts.

LESSOR:
Wells Fargo Bank Northwest, National Association,
as Owner Trustee under S&F Trust 1998-1

By: /s/ Val T. Orton
    ------------------------------
Name: Val T. Orton
Title: Vice President

LESSEE:
Smart & Final Inc.

By: /s/ Richard N. Phegley                  By:
    ------------------------------              --------------------------------
Name: Richard N. Phegley                    Name:
Title: Senior Vice President &                   -------------------------------
       Chief Financial Officer              Title:
                                                  ------------------------------

                         [Waiver and Consent Agreement]

<PAGE>

A-2 LENDER AND B LENDER:
Fleet Capital Corporation

By: /s/ Renay McLeish
    ------------------------------
Name: Renay McLeish
Title: Vice President

A-2 LENDER:
GMAC Commercial Finance, LLC,
successor by merger to GMAC Business Credit, LLC

By: /s/ David W. Berry
    ------------------------------
Name: David W. Berry
Title: Vice President

A-2 LENDER:
Cooperative Centrale Raiffeisen-Boerenleenbank B.A.
"Rabobank Nederland," New York Branch

By: /s/ Bradford F. Scott                   By: /s/ Andre Blom
    ------------------------------              --------------------------------
Name: Bradford F. Scott                     Name: Andre Blom
Title: Executive Director                   Title: Managing Director
                                                   Credit Risk Management

A-2 LENDER:
Natexis Banques Populaires

By: /s/ Anne Ulrich                         By: /s/ Evan S. Kraus
    ------------------------------              --------------------------------
Name: Anne Ulrich                           Name: Evan S. Kraus
Title: Vice President                       Title: Vice President

A-2 LENDER:
BNP Paribas

By: /s/ Clive Bettles                       By: /s/ Frederique Merhaut
    ------------------------------              --------------------------------
Name: Clive Bettles                         Name: Frederique Merhaut
Title: Managing Director                    Title: Director

                         [Waiver and Consent Agreement]

<PAGE>

B LENDER:
Transamerica Equipment Financial Services Corporation

By: /s/ James R. Bates
    ------------------------------
Name: James R. Bates
Title: Vice President

                         [Waiver and Consent Agreement]

<PAGE>

HOLDER:
Casino USA, Inc.

By: /s/ Andre Delolmo
    ------------------------------
Name: Andre Delolmo
Title: President

                         [Waiver and Consent Agreement]

<PAGE>

GUARANTOR:
American Foodservice Distributors

By: /s/ Richard N. Phegley
    ------------------------------
Name: Richard N. Phegley
Title: Senior Vice President &
       Chief Financial Officer

GUARANTOR:
Smart & Final Stores Corporation

By: /s/ Richard N. Phegley
    ------------------------------
Name: Richard N. Phegley
Title: Senior Vice President &
       Chief Financial Officer

GUARANTOR:
Smart & Final Oregon, Inc.

By: /s/ Richard N. Phegley
    ------------------------------
Name: Richard N. Phegley
Title: Senior Vice President &
       Chief Financial Officer

GUARANTOR:
Port Stockton Food Distributors, Inc.

By: /s/ Richard N. Phegley
    ------------------------------
Name: Richard N. Phegley
Title: Senior Vice President - Finance

GUARANTOR:
Henry Lee Company

By: /s/ Richard N. Phegley
    ------------------------------
Name: Richard N. Phegley
Title: Senior Vice President - Finance

                         [Waiver and Consent Agreement]

<PAGE>

GUARANTOR:
Amerifoods Trading Company

By: /s/ Richard N. Phegley
    ------------------------------
Name: Richard N. Phegley
Title: Senior Vice President &
       Chief Financial Officer

GUARANTOR:
Casino Frozen Foods, Inc.

By: /s/ Richard N. Phegley
    ------------------------------
Name: Richard N. Phegley
Title: Senior Vice President &
       Chief Financial Officer

GUARANTOR:
FoodServiceSpecialists.Com, Inc.

By: /s/ Richard N. Phegley
    ------------------------------
Name: Richard N. Phegley
Title: Senior Vice President &
       Chief Financial Officer

GUARANTOR:
Okun Produce International, Inc.

By: /s/ Richard N. Phegley
    ------------------------------
Name: Richard N. Phegley
Title: Senior Vice President &
       Chief Financial Officer

GUARANTOR:
HL Holding Corporation

By: /s/ Richard N. Phegley
    ------------------------------
Name: Richard N. Phegley
Title: Senior Vice President &
       Chief Financial Officer

                         [Waiver and Consent Agreement]<PAGE>

                                                                       Exh 10.31

                 FOURTH AMENDMENT AND WAIVER TO CREDIT AGREEMENT

          This Fourth Amendment and Waiver to Credit Agreement (this
"Amendment") is entered into as of July 11, 2003, by and among SMART & FINAL
INC., a Delaware corporation (the "Borrower"), the Guarantors listed on the
signature pages hereof, the financial institutions and other entities party
hereto (the "Lenders") and BNP PARIBAS, as Administrative Agent for the Lenders
(the "Administrative Agent").

                                    RECITALS

          A. The Borrower, the Lenders, the Administrative Agent, Harris Trust &
Savings Bank, as syndication agent, and Cooperative Centrale
Raiffeisen-Boerenleenbank B.A., "Rabobank Nederland", New York Branch, as
documentation agent, are parties to that certain Credit Agreement dated as of
November 30, 2001 (as amended to date, the "Credit Agreement"). Capitalized
terms used herein without definition have the meanings ascribed to such terms in
the Credit Agreement.

          B. The Borrower, the Lenders and the Administrative Agent have agreed
to waive certain covenants and amend the Credit Agreement as provided
hereinbelow.

          NOW THEREFORE, in consideration of the premises and the mutual
covenants herein contained, the parties hereto hereby agree as follows:

          Section 1. Section References. Unless otherwise expressly stated
herein, all Section references herein shall refer to Sections of the Credit
Agreement.

          Section 2. Amendment to Section 1.01. The definition of "Applicable
Margin" set forth in Section 1.01 is hereby amended by deleting the proviso
thereto and replacing it with the following:

     "provided, however, that, notwithstanding the foregoing, (i) on the Closing
     Date and until the six month anniversary thereof, the Applicable Margin
     shall be 2.5% for Eurodollar Rate Advances and 1.5% for Base Rate Advances,
     (ii) for purposes of determining the Applicable Margin at any time
     following the six month anniversary of the Closing Date, the Adjusted
     Leverage Ratio shall be deemed to be greater than or equal to 4.25 to 1.0
     at all times when a Default has occurred and is continuing based on the
     Borrower's failure to deliver any financial statement, compliance
     certificate or Borrowing Base Certificate as and when required pursuant to
     Sections 6.03(a), 6.03(c) or 6.03(d), as applicable, and (iii) during the
     period commencing on July 11, 2003 until the later of (A) November 4, 2003
     and (B) the date that the Borrower delivers the financial statements
     required under Section 6.03(c) with respect to the third fiscal quarter of
     Fiscal Year 2003, the Applicable Margin shall equal 2.90% per annum with
     respect to Eurodollar Rate Advances and 1.90% per annum with respect to
     Base Rate Advances. For purposes of this Agreement, any change in the
     Applicable Margin based on a

<PAGE>

     change in the Adjusted Leverage Ratio shall be effective three Business
     Days after the date of receipt by the Administrative Agent of the financial
     statements, compliance certificate and Borrowing Base Certificate required
     by Sections 6.03(a), 6.03(c) and 6.03(d), as applicable, reflecting such
     change."

          Section 3. Waiver. The Lenders hereby waive compliance by the Borrower
with Section 6.04(a), (b), (c), (d) and (f) for the second fiscal quarter of
Fiscal Year 2003.

          Section 4. Conditions Precedent. The effectiveness of this Amendment
is subject to the satisfaction of each of the following conditions precedent:

               (a) The Administrative Agent shall have received all of the
following, in form and substance satisfactory to the Administrative Agent:

                    (i) Amendment Documents. This Amendment and any other
     instrument, document or certificate required by the Administrative Agent to
     be executed or delivered by the Borrower or any other Person in connection
     with this Amendment, duly executed by such Persons (the "Amendment
     Documents");

                    (ii) Consent of Required Lenders. The written consent of the
     Required Lenders to this Amendment;

                    (iii) Amendment to Synthetic Lease Documents. Evidence that
     (A) the financial covenants contained in the Synthetic Lease Documents have
     been waived in the same manner as set forth in this Amendment and (B) any
     conforming changes to the Synthetic Lease Documents reasonably requested by
     the Administrative Agent have been made;

                    (iv) Additional Information. Such additional documents,
     instruments and information as the Administrative Agent may reasonably
     request to effect the transactions contemplated hereby.

               (b) Each of the Lenders consenting to this Amendment on or prior
to 5:00 p.m. (EST) on July 11, 2003 shall have received an amendment fee of
0.08% of its Commitment.

               (c) The representations and warranties contained herein and in
the Credit Agreement shall be true and correct as of the date hereof as if made
on the date hereof (except for those which by their terms specifically refer to
an earlier date, in which case such representations and warranties shall be true
and correct as of such earlier date).

               (d) All corporate proceedings taken in connection with the
transactions contemplated by this Amendment and all other agreements, documents
and instruments executed and/or delivered pursuant hereto, and all legal matters
incident thereto, shall be satisfactory to the Administrative Agent.

                                       2

<PAGE>

               (e) No Default or Event of Default shall have occurred and be
continuing, after giving effect to this Amendment.

          Section 5. Representations and Warranties. The Borrower hereby
represents and warrants to the Administrative Agent and the Lenders that, as of
the date of and after giving effect to this Amendment, (a) the execution,
delivery and performance of this Amendment and any and all other Amendment
Documents executed and/or delivered in connection herewith have been authorized
by all requisite corporate action on the part of the Borrower and will not
violate the Borrower's certificate of incorporation or bylaws, (b) all
representations and warranties set forth in the Credit Agreement and in any
other Loan Document are true and correct as if made again on and as of such date
(except those, if any, which by their terms specifically relate only to an
earlier date, in which case such representations and warranties are true and
correct as of such earlier date), (c) no Default or Event of Default has
occurred and is continuing, and (d) the Credit Agreement (as amended by this
Amendment), and all other Loan Documents are and remain legal, valid, binding
and enforceable obligations in accordance with the terms thereof.

          Section 6. Survival of Representations and Warranties. All
representations and warranties made in this Amendment or any other Loan Document
shall survive the execution and delivery of this Amendment and the other Loan
Documents, and no investigation by the Administrative Agent or the Lenders, or
any closing, shall affect the representations and warranties or the right of the
Administrative Agent and the Lenders to rely upon them.

          Section 7. Certain Waivers. The Borrower and each Guarantor hereby
agrees that neither the Administrative Agent nor any Lender shall be liable
under a claim of, and hereby waives any claim against the Administrative Agent
and the Lenders based upon, lender liability (including, but not limited to,
liability for breach of the implied covenant of good faith and fair dealing,
fraud, negligence, conversion, misrepresentation, duress, control and
interference, infliction of emotional distress and defamation and breach of
fiduciary duties) as a result of any discussions or actions taken or not taken
by the Administrative Agent or the Lenders on or before the date hereof or the
discussions conducted pursuant hereto, or any course of action taken by the
Administrative Agent or any Lender in response thereto or arising therefrom.
This Section 7 shall survive the execution and delivery of this Amendment and
the other Loan Documents and the termination of the Credit Agreement.

          Section 8. Reference to Agreement. Each of the Loan Documents,
including the Credit Agreement, and any and all other agreements, documents or
instruments now or hereafter executed and/or delivered pursuant to the terms
hereof or pursuant to the terms of the Credit Agreement as amended hereby, are
hereby amended so that any reference in such Loan Documents to the Credit
Agreement, whether direct or indirect, shall mean a reference to the Credit
Agreement as amended hereby.

          Section 9. Costs and Expenses. The Borrower shall pay on demand all
reasonable costs and expenses of the Administrative Agent (including the
reasonable

                                       3

<PAGE>

fees, costs and expenses of counsel to the Administrative Agent) incurred in
connection with the preparation, execution and delivery of this Amendment.

          Section 10. Governing Law. THIS AMENDMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF CALIFORNIA.

          Section 11. Execution. This Amendment may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of
which when so executed shall be deemed to be an original and all of which taken
together shall constitute one and the same agreement. Delivery of an executed
counterpart of a signature page to this Amendment by telecopier shall be
effective as delivery of a manually executed counterpart of this Amendment.

          Section 12. Limited Effect. This Amendment relates only to the
specific matters covered herein, shall not be considered to be a waiver of any
rights any Lender may have under the Credit Agreement (other than as expressly
set forth herein), and shall not be considered to create a course of dealing or
to otherwise obligate any Lender to execute similar amendments or grant any
waivers under the same or similar circumstances in the future.

          Section 13. Ratification By Guarantors. Each of the Guarantors hereby
agrees to this Amendment and acknowledges that such Guarantor's Guaranty shall
remain in full force and effect without modification thereto.

                                       4

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be executed by their respective officers thereunto duly authorized, as of the
date first above written.

                                      SMART & FINAL INC.,
                                      as Borrower

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President &
                                                 Chief Financial Officer

                                      AMERICAN FOODSERVICE DISTRIBUTORS

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President &
                                                 Chief Financial Officer

                                      SMART & FINAL STORES CORPORATION

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President &
                                                 Chief Financial Officer

                                      SMART & FINAL OREGON, INC.

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President &
                                                 Chief Financial Officer

                                      PORT STOCKTON FOOD DISTRIBUTORS, INC.

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President - Finance

<PAGE>

                                      HENRY LEE COMPANY

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President - Finance

                                      AMERIFOODS TRADING COMPANY

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President &
                                                 Chief Financial Officer

                                      CASINO FROZEN FOODS, INC.

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President &
                                                 Chief Financial Officer

                                      FOODSERVICESPECIALISTS.COM, INC.

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President &
                                                 Chief Financial Officer

                                      OKUN PRODUCE INTERNATIONAL, INC.

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President &
                                                 Chief Financial Officer

<PAGE>

                                      HL HOLDING CORPORATION

                                      By: /s/ Richard N. Phegley
                                          --------------------------------------
                                          Name: Richard N. Phegley
                                          Title: Senior Vice President &
                                                 Chief Financial Officer

<PAGE>

                                      BNP PARIBAS,
                                      as Administrative Agent and a Lender

                                      By: /s/ Clive Bettles
                                          --------------------------------------
                                          Name: Clive Bettles
                                          Title: Managing Director

                                      By: /s/ Frederique Merhaut
                                          --------------------------------------
                                          Name: Frederique Merhaut
                                          Title: Director

<PAGE>

                                      HARRIS TRUST & SAVINGS BANK

                                      By: /s/ Julie Hossack
                                          --------------------------------------
                                          Name: Julie Hossack
                                          Title: Vice President

<PAGE>

                                      COOPERATIVE CENTRALE
                                      RAIFFEISEN-BOERENLEENBANK
                                      B.A., "RABOBANK NEDERLAND",
                                      NEW YORK BRANCH

                                      By: /s/ Bradford F. Scott
                                          --------------------------------------
                                          Name: Bradford F. Scott
                                          Title: Executive Director

                                      By: /s/ Andre Blom
                                          --------------------------------------
                                          Name: Andre Blom
                                          Title: Credit Risk Management

<PAGE>

                                      CREDIT INDUSTRIEL ET COMMERCIAL

                                      By: /s/ Eric Dulot
                                          --------------------------------------
                                          Name: Eric Dulot
                                          Title: Vice President

                                      By: /s/ Eric Longuet
                                          --------------------------------------
                                          Name: Eric Longuet
                                          Title: Vice President

<PAGE>

                                      COBANK, ACB

                                      By: /s/ S. Richard Dill
                                          --------------------------------------
                                          Name: S. Richard Dill
                                          Title: Vice President

<PAGE>

                                      UNION BANK OF CALIFORNIA, N.A.

                                      By: /s/ Peter Thompson
                                          --------------------------------------
                                          Name: Peter Thompson
                                          Title: Vice President

<PAGE>

                                      U.S. BANK NATIONAL ASSOCIATION

                                      By: /s/ Janet Jordan
                                          --------------------------------------
                                          Name: Janet Jordan
                                          Title: Vice President

<PAGE>

                                      NATEXIS BANQUE-BFCE

                                      By: /s/ Anne Ulrich
                                          --------------------------------------
                                          Name: Anne Ulrich
                                          Title: Vice President

                                      By: /s/ Pieter J. van Tulder
                                          --------------------------------------
                                          Name: Pieter J. van Tulder
                                          Title: Vice President And Manager
                                                 Multinational Group

<PAGE>

                                      TRANSAMERICA BUSINESS CAPITAL CORPORATION

                                      By: /s/ Stephen Goetschius
                                          --------------------------------------
                                          Name: Stephen Goetschius
                                          Title: Senior Vice President

<PAGE>

                                      CITY NATIONAL BANK

                                      By: /s/ Abdi Rais
                                          --------------------------------------
                                          Name: Abdi Rais
                                          Title: Senior Vice President

<PAGE>

                                      RZB FINANCE LLC

                                      By: /s/ John A. Valiska
                                          --------------------------------------
                                          Name: John A. Valiska
                                          Title: Group Vice President

                                      By: /s/ Frank J. Yautz
                                          --------------------------------------
                                          Name: Frank J. Yautz
                                          Title: First Vice President

<PAGE>

                                      BANK OF THE WEST

                                      By: /s/ Daniel Flores
                                          --------------------------------------
                                          Name: Daniel Flores
                                          Title: Syndications Officer

<PAGE>

                                      PREFERRED BANK

                                      By: /s/ Walt Duchanin
                                          --------------------------------------
                                          Name: Walt Duchanin
                                          Title: Executive Vice President

<PAGE>

                                      BANK LEUMI USA

                                      By: /s/ Jacques V. Delvoye
                                          --------------------------------------
                                          Name: Jacques V. Delvoye
                                          Title: Vice President

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