Document:

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                                                                     Exhibit 4.5

                               AMENDMENT NO. 13 TO
                           LOAN AND SECURITY AGREEMENT

            This Amendment No. 13 ("Amendment") to Loan and Security Agreement
is made as of March 29, 2001, between Rainbow Rentals, Inc. (formerly known as
Rainbow Home Rentals, Inc.) ("Borrower") and Bank of America, N.A. (formerly
known as Bank of America National Trust and Savings Association, formerly known
as Bank of America Illinois, formerly known as Continental Bank N.A.)
("Lender").

            Reference is made to that certain Loan and Security Agreement
between Borrower and Lender dated October 5, 1992 (as amended, the "Loan
Agreement").

            Borrower has requested that the Loan Agreement be amended in certain
respects.

            1. DEFINED TERMS. Unless otherwise defined herein, capitalized terms
used herein shall have the meanings ascribed to such terms in the Loan
Agreement.

            2. AMENDMENT TO LOAN AGREEMENT. Section 4.3 of Supplement A to the
Loan Agreement is hereby amended effective as of September 29, 2000, as follows:

            4.3 MAXIMUM FUNDED DEBT TO EARNINGS RATIO. Not permit, for the
period ending on the last day of each calendar quarter ending during any period
(inclusive) set forth below, the ratio of (a) Borrower's Indebtedness for
interest bearing borrowed money on the last day of each such calendar quarter
during such period set forth below plus the product of rental expenses for the
twelve month period ending on the last day of such calendar quarter multiplied
by a factor of 4 to (b) the product of (i) the Annualizing Factor multiplied by
(ii) Borrower's consolidated net earnings before interest expense, provision for
Taxes, depreciation and amortization for such twelve month period plus rental
expenses minus the sum of inventory purchases and Capital Expenditures for such
period, to be greater than the ratio set forth below opposite such period:

<TABLE>
<CAPTION>

                                      Period                                         Maximum Ratio
                                      ------                                         -------------
<S>                                                                                 <C>
         Calendar quarter ending June 30, 1999                                        3.25 : 1.00

         Six month period ending September 30, 1999                                   3.25 : 1.00

         Nine month period ending December 31, 1999                                   3.25 : 1.00

         Twelve month periods ending March 31, 2000 and June 30, 2000                 3.00 : 1.00

         Twelve month periods ending September 30, 2000 and December 31,              3.15 : 1.00
         2000

         Twelve month periods ending March 31, 2001 and June 30, 2001                3.25 to 1.00

         Twelve month period ending September 30, 2001 and each twelve                2.75 : 1.00
         month period ending on the last day of any calendar quarter
         thereafter
</TABLE>
         For purposes of this SECTION 4.3 and SECTION 4.4, (i) consolidated net
         earnings shall not include any gains on the sale or other disposition
         of Investments of fixed assets and any extraordinary or nonrecurring
         items of income to the extent that the aggregate of all such gains and
         extraordinary or nonrecurring items of income exceeds the aggregate of
         losses on such sale or other disposition and extraordinary or
         nonrecurring charges, and (ii) interest expense shall include, without
         limitation,

                                       3

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         implicit interest expense on Capitalized Leases, and shall exclude
         the amortization of the closing fee, the modification fee, or any
         other fee paid to Lender in connection with the Loans. The
         Annualizing Factor means a factor of 4.0 for the period ending June
         30, 1999, a factor of 2.0 for the period ending September 30, 1999,
         a factor of 1.33 for the period ending December 31, 1999 and a
         factor of 1.0 for each period ending on or after March 31, 2000.

            3. CONDITION PRECEDENT. The amendment to the Loan Agreement set
forth in this Amendment shall become effective as of the date of this Amendment
upon the satisfaction of the following condition precedent:

            (a) EXECUTION. The delivery of an executed copy of this Amendment to
Lender.

            4. MISCELLANEOUS.

            (a) EXPENSES. Borrower agrees to pay on demand all costs and
expenses of Lender (including the reasonable fees and expenses of outside
counsel for Lender) in connection with the preparation, negotiation, execution,
delivery and administration of this Amendment and all other instruments or
documents provided for herein or delivered or to be delivered hereunder or in
connection herewith. In addition, Borrower agrees to pay, and save Lender
harmless from all liability for, any stamp or other taxes which may be payable
in connection with the execution or delivery of this Amendment, the borrowings
under the Loan Agreement, as amended hereby, and the execution and delivery of
any instruments or documents provided for herein or delivered or to be delivered
hereunder or in connection herewith. All obligations provided in this SECTION
4(a) shall survive any termination of this Amendment or the Loan Agreement as
amended hereby.

            (b) GOVERNING LAW. This Amendment shall be a contract made under and
governed by the internal laws of the State of Illinois.

            (c) COUNTERPARTS. This Amendment may be executed in any number of
counterparts, and by the parties hereto on the same or separate counterparts,
and each such counterpart, when executed and delivered, shall be deemed to be an
original, but all such counterparts shall together constitute but one and the
same Amendment.

            (d) REFERENCE TO LOAN AGREEMENT. Except as herein amended, the Loan
Agreement shall remain in full force and effect and is hereby ratified in all
respects. On and after the effectiveness of the amendments to the Loan Agreement
accomplished hereby, each reference in the Loan Agreement to "this Agreement,"
"hereunder," "hereof," "herein" or words of like import, and each reference to
the Loan Agreement in any note and in any Related Agreements, or other
agreements, documents or other instruments executed and delivered pursuant to
the Loan Agreement, shall mean and be a reference to the Loan Agreement, as
amended by this Amendment.

            (e) SUCCESSORS. This Amendment shall be binding upon Borrower,
Lender and their respective successors and assigns, and shall inure to the
benefit of Borrower, Lender and the successors and assigns of Borrower and
Lender.

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

                                               RAINBOW RENTALS, INC.

                                               By  /e/ MICHAEL A. PECCHIA
                                                   ----------------------
                                               Its  Chief Financial Officer
                                                   ------------------------
                                               BANK OF AMERICA, N.A.

                                               By  /e/ PETER J. GATES, JR.
                                                   -----------------------
                                               Its  Senior Vice President
                                                   -----------------------
                                       4<PAGE>   1
                                                                   EXHIBIT 4 (a)
                                                                   ---------

                        COMPUTER TASK GROUP, INCORPORATED

[FRONT OF CERTIFICATE]

                                                                              25

<PAGE>   2

                        COMPUTER TASK GROUP, INCORPORATED

[BACK OF CERTIFICATE]

                                                                              26<PAGE>   1
                                                                   EXHIBIT 4 (c)
                                                                   ---------

                        COMPUTER TASK GROUP, INCORPORATED
                        ---------------------------------

                            FORM OF RIGHT CERTIFICATE
                            -------------------------

                                CERTIFICATE NO. R

                                     RIGHTS

         Not exercisable after January 16, 1999, or earlier if redeemed by the
Company. The Rights are subject to redemption, at the option of the Company, at
$.01 per right, on the terms set forth in the Rights Agreement. Under certain
circumstances, rights beneficially owned by an acquiring person or an affiliate
or associate of an acquiring person (as such terms are defined in the Rights
Agreement) and by any subsequent holder of such Rights may become null and void.
[The rights represented by this Right Certificate were issued to a person who
was an acquiring person or an affiliate or associate of an acquiring person.
This Right Certificate and the Rights represented hereby may become void in the
circumstances specified in Section 7(e) of the rights agreement.]

                                RIGHT CERTIFICATE

         This certifies that, or registered assigns, is the registered owner of
the number of Rights set forth above, each of which entitles the owner thereof,
subject to the terms, provisions and conditions of the Rights Agreement dated as
of January 16, 1989 (the "Rights Agreement"), between Computer Task Group,
Incorporated, a New York corporation (the Company"), and The First National Bank
of Boston, a national banking association, as Rights Agent (the "Rights Agent"),
unless the Rights evidenced hereby shall have been previously redeemed by the
Company, to purchase from the Company at any time after the Distribution Date
(as defined in the Rights Agreement) and prior to 5:00 P.M., New York City time,
on January 16, 1999 (the "Expiration Date"), at the office of the Rights Agent
or its successors as Rights Agent designated for such purpose, in one
one-thousandth (1/1000th) of a fully paid, nonassessable share of Series A
Participating Cumulative Preferred Stock, par value $.01 per share, of the
Company (the "Preferred Shares"), at a purchase price of $50 per one
one-thousandth (1/1000th) of a share (the "Purchase Price") payable in cash,
upon presentation and surrender of this Right Certificate with the Form of
Election to Purchase duly executed.

         The portion of the legend in brackets shall be inserted only if
applicable.

         The Purchase Price and the number and kind of shares which may be
purchased upon exercise of each Right evidenced by this Right Certificate, as
set forth above, are the Purchase Price and the number and kind of shares which
may be so purchased as of January 16, 1989. As provided in the Rights Agreement,
the Purchase Price and the number and kind of shares which may be purchased upon
the exercise of each Right evidenced by this Right Certificate are subject to
modification and adjustment upon the happening of certain events.

         If the Rights evidenced by this Right Certificate are or were at any
tine on or after the earlier of the Distribution Date or the Share Acquisition
Date (as such terns are defined in the Rights Agreement) beneficially owned by
an Acquiring Person or an Affiliate or Associate of an Acquiring Person (as such
terms are defined in the Rights Agreement), such Rights shall, under certain
circumstances, become null and void and the holder of any such Right (including
any subsequent holder) shall not have any right to exercise any such Right.

         This Right Certificate is subject to all the terms, provisions and
conditions of the Rights Agreement, which terms, provisions and conditions are
hereby incorporated herein by reference and made a part hereof and to which
reference to the Rights Agreement is hereby made for full description of the
rights, limitations of rights, obligations, duties, and immunities hereunder of
the Rights Agent, the Company and the holders of the Right Certificates. Copies
of the Rights Agreement are available from the Company upon written request.

         This Right Certificate, with or without other Right Certificates, upon
surrender at the office of the Rights Agent designated for such purpose, may be
exchanged for another Right Certificate or Right

                                                                              27

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Certificates of like tenor and date evidencing Rights entitling the holder to
purchase a like aggregate number and kind of shares as the Rights evidenced by
the Right Certificate or Right Certificates surrendered shall have entitled such
holder to purchase. If this Right Certificate shall be exercised in part, the
holder shall be entitled to receive upon surrender hereof another Right
Certificate or Right Certificates for the number of whole Rights not exercised.

         Subject to the provisions of the Rights Agreement, the Rights evidenced
by this Right Certificate may be redeemed by the Company at its option at a
redemption price (in cash or shares of Common Stock or other securities of the
Company deemed by the Board of Directors to be at least equivalent in value) of
$.01 per Right (which amount shall be subject to adjustment as provided in the
Rights Agreement) at any time prior to the earliest of

                 (i) the Distribution Date and
                 (ii) the Expiration Date; PROVIDED, HOWEVER, that, after there
shall be an Acquiring Person the Rights may not be redeemed (all terms as
defined in the Rights Agreement).

         The Company may, but shall not be required to, issue fractions of
Preferred Shares or distribute certificates which evidence fractions of
Preferred Shares upon the exercise of any Right or Rights evidenced hereby. In
lieu of issuing fractional shares, the Company may elect to make a cash payment
as provided in the Rights Agreement for fractions of a share other than one
one-thousandth (1/1000th) of a share or any integral multiple thereof or to
issue certificates or utilize a depository arrangement as provided in the terms
of the Rights Agreement and the Preferred Shares.

         No holder of this Right Certificate, as such, shall be entitled to vote
or receive dividends or be deemed for any purpose the holder of the Preferred
Shares or of any other securities of the Company which may at any time be
issuable on the exercise hereof, nor shall anything contained in the Rights
Agreement or herein be construed to confer upon the holder hereof, as such, any
of the rights of a shareholder of the Company, including, without limitation,
any right to vote for the election of directors or upon any matter submitted to
shareholders at any meeting thereof, or to give or withhold consent to any
corporate action, or to receive notice of meetings or other actions affecting
shareholders (except as provided in the Rights Agreement), or to receive
dividends or other distributions or subscription rights, or otherwise, until the
Right or Rights evidenced by this Right Certificate shall have been exercised as
provided in accordance with the provisions of the Rights Agreement.

         This Right Certificate shall not be valid or obligatory for any purpose
until it shall have been countersigned by the Rights Agent.

         WITNESS the facsimile signature of the proper officers of the Company
and its corporate seal.

Dated as of:                          COMPUTER TASK GROUP, INCORPORATED

                                      By
                                     [Name]
                                     [Title]

                                     Attest:
                                     (Name]
                                     (Title]

Countersigned:                       THE FIRST NATIONAL BANK OF BOSTON,
as Rights Agent,

                                     By
                                     Authorized Signature

                                                                              28

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                    (on Reverse Side of Right Certificate]

                         FORM OF ELECTION TO PURCHASE
                         ----------------------------

(To be executed by the registered holder if such holder desires to exercise-the
Rights represented by this Right Certificate.)

To the Rights Agent:

         The undersigned hereby irrevocably elects to exercise Rights
represented by this Right Certificate to purchase the Preferred Shares (or other
securities) issuable upon the exercise of such Rights and requests that
certificates for such Preferred Shares (or other securities) be issued in the
name of:

                      (Please print name and address)

                      Please insert social security or other identifying number:

         If such number of Rights shall not be all the Rights evidenced by this
Right Certificate, a new Right Certificate for the balance remaining of such
Rights shall be registered in the name of and delivered to:

                      (Please print name and address).

                      Please insert social security or other identifying number:

Dated:

Signature

Signature Guaranteed:

                                   CERTIFICATE
                                   -----------

The undersigned hereby certifies by checking the appropriate boxes that:

                  (1)      the Rights evidenced by this Right Certificate are
                           [ ] are not being exercised by or on behalf of a
                           Person who is or was an Acquiring Person or an
                           Affiliate or Associate of any such Acquiring Person
                           (as such terms are defined in the Rights Agreement);
                  (2)      after due inquiry and to the best knowledge of the
                           undersigned, it [ ] did [ ] did not acquire the
                           Rights evidenced by this Right Certificate from any
                           Person who is or was an Acquiring Person or an
                           Affiliate or Associate of an Acquiring Person.

Dated:            200

Signature

Signature Guaranteed

                                     NOTICE
                                     ------

         The signature on the foregoing Form of Election to Purchase and
Certificate must correspond to the name as written upon the face of this Right
Certificate in every particular, without alteration or enlargement or any change
whatsoever.

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