Document:

<PAGE>
                                                                   Exhibit 10.72

                       FIFTH AMENDMENT TO CREDIT AGREEMENT
                       -----------------------------------

         THIS FIFTH AMENDMENT TO CREDIT AGREEMENT is made as of the 28th day of
March, 2002 by and among CORRECTIONAL SERVICES CORPORATION, a corporation duly
organized and validly existing under the laws of the State of Delaware (the
"Company"); each of the Subsidiaries of the Company that is a signatory hereto
 -------
or that, pursuant to Section 9.1.20(b) of the Credit Agreement (as hereinafter
defined), shall become a party hereto (individually, a "Subsidiary Guarantor"
                                                        --------------------
and, collectively, the "Subsidiary Guarantors"; and the Subsidiary Guarantors,
                        ---------------------
collectively with the Company, are sometimes hereinafter referred to as the
"Obligors"); each of the lenders that is a signatory hereto or that, pursuant to
 --------
Section 12.6(b) of the Credit Agreement, shall become a "Lender" hereunder
                                                         ------
(individually, a "Lender" and, collectively, the "Lenders"); and FLEET NATIONAL
                  ------                          -------
BANK, a national banking association and successor by merger to Summit Bank, as
syndication agent for the Lenders (in such capacity, together with its
successors in such capacity, the "Syndication Agent").
                                  -----------------

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

         WHEREAS, the Company, the Subsidiary Guarantors, the Lenders and the
Syndication Agent entered into a Credit Agreement dated August 31, 1999, as
amended by a first amendment thereto dated as of November 10, 2000, a second
amendment thereto dated in or about August, 2001, a third amendment thereto
dated in or about November, 2001, and a fourth amendment thereto dated as of
November 28, 2001 (collectively, the "Credit Agreement"); and

         WHEREAS, the Company has requested the Syndication Agent and the
Lenders to make certain amendments to the Credit Agreement as more fully
described herein, and the Syndication Agent and the Lenders have agreed to do
so, subject to and in accordance with the terms and conditions hereinafter set
forth.

         NOW, THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

         1.       Defined Terms.  Except as otherwise  indicated herein, all
                  -------------
words and terms defined in the Credit Agreement shall have the same meanings
when used herein.

<PAGE>

         2.       Amendments to Credit Agreement.
                  ------------------------------

                  (a)      The following  definitions  are hereby added to, and
inserted  alphabetically  in, Section 1.1 of the Credit Agreement:

                           "EBIT" shall mean, for any period, the income from
                            ----
                  operations of the Company and its Subsidiaries for such
                  period, determined on a consolidated basis without duplication
                  in accordance with GAAP.

                           "Restructuring Charges" shall mean the cash payments
                            ---------------------
                  made by the Company and its Subsidiaries during any fiscal
                  quarter relating to restructuring and impairment charges
                  reflected in the consolidated statement of operations for the
                  Company and its Subsidiaries for the quarter ending September
                  30, 2001.

                  (b) The following definitions appearing in Section 1.1 of the
Credit Agreement are hereby amended to read in their entirety as follows:

                           "Applicable Commitment Fee Rate" shall mean a rate
                            ------------------------------
                   per annum equal to .50%.

                           "Applicable Margin" shall mean, with reference to
                            -----------------
                  Revolving Credit Loans (i) that are Base Rate Loans, an amount
                  in excess of the Base Rate, equal to 3.50%, and (ii) that are
                  LIBOR Loans, an amount in excess of the LIBOR Rate, equal to
                  5.00%; provided, however, in the event that (A) the Company
                         --------  -------
                  consummates the sale of its facility located in Phoenix,
                  Arizona, in accordance with Section 9.1.26 hereof, and the net
                  proceeds from such sale result in a reduction of (x) the
                  outstanding principal amount of the Revolving Credit Loans by
                  at least $8,000,000 and (y) the Revolving Credit Commitments
                  by at least $4,000,000, or (B) the facility leased by the
                  Company in Salinas, Puerto Rico, is sold to a third party in
                  accordance with Article XIV of the Lease and (1) the total
                  purchase price for such sale equals or exceeds the Lease
                  Balance (as such term is defined in the Master Agreement) as
                  of the closing date for such sale and (2) the down payment
                  from such sale which is applied to reduce the aggregate
                  principal amount of the Loans (as such term is defined in the
                  Master Agreement) equals or exceeds $7,500,000, then the
                  Applicable Margin for Revolving Credit Loans (a) that are Base
                  Rate Loans shall mean an amount in excess of the Base Rate
                  equal to 2.50%, and (b) that are LIBOR Loans shall mean an
                  amount in excess of the LIBOR Rate equal to 4.00%.
                  Notwithstanding the foregoing, the Applicable Margin shall not
                  be reduced at any time during which an Event of Default shall
                  have occurred and be continuing.

                           "Available Excess Cash Flow" - [Deleted]
                            --------------------------

                                       2

<PAGE>

                           "Consolidated Interest Expense" shall mean, for any
                            -----------------------------
                  period, for the Company and its Subsidiaries (determined on a
                  consolidated basis without duplication in accordance with
                  GAAP), the sum or difference of (a) all interest in respect of
                  Indebtedness (including, without limitation, the interest
                  component of any payments under Capital Leases) accrued or
                  capitalized during such period (whether or not actually paid
                  during such period), plus (b) the net amount payable (or minus
                                       ----
                  the net amount receivable) under Interest Rate Protection
                  Agreements during such period (whether or not actually paid or
                  received during such period).

                           "EBITDA" shall mean, for any period, the sum of (a)
                            ------
                  the income from operations of the Company and its Subsidiaries
                  for such period, determined on a consolidated basis without
                  duplication in accordance with GAAP, plus (b) depreciation and
                                                       ----
                  amortization expenses deducted in the determination of the
                  Consolidated Net Income of the Company and its Subsidiaries
                  for such period, minus (c) the Restructuring Charges paid
                                   -----
                  during such period, plus (d) non-cash expenses incurred by the
                                      ----
                  Company and its Subsidiaries during such period, if and to the
                  extent approved by the Syndication Agent and the Lenders.

                           "Permitted Investments" shall mean (a) direct
                            ---------------------
                  obligations of the United States of America, or of any agency
                  thereof, or obligations guaranteed as to principal and
                  interest by the United States of America, or of any agency
                  thereof, in either case maturing not more than 90 days from
                  the date of acquisition thereof; (b) certificates of deposit
                  issued by any Lender or by any bank or trust company organized
                  under the laws of the United States of America or any state
                  thereof and having capital, surplus and undivided profits of
                  at least $500,000,000, maturing not more than 90 days from the
                  date of acquisition thereof; (c) commercial paper rated A-1 or
                  better or P-1 by Standard & Poor's Corporation or Moody's
                  Investors Services, Inc., respectively, maturing not more than
                  six months from the date of acquisition thereof; (d)
                  commercial paper of any Lender (or any Affiliate thereof
                  located in the United States of America) that is rated A-1 or
                  better or P-1 by Standard and Poor's Corporation or Moody's
                  Investors Services, Inc., respectively, maturing not more than
                  six months from the date of acquisition thereof; (e)
                  repurchase agreements entered into with any Lender or with any
                  bank or trust company satisfying the conditions of clause (b)
                  hereof that are secured by any obligation of the type
                  described in clauses (a) through (d) of this definition; and
                  (f) money market funds acceptable to the Required Lenders.

                           "Permitted Stock Repurchases" - [Deleted]
                            ---------------------------

                                       3

<PAGE>

                           "Revolving Credit Commitment" shall mean, for each
                            ---------------------------
                  Lender, the obligation of such Lender to make Loans in an
                  aggregate principal amount at any one time outstanding up to
                  but not exceeding the amount set forth opposite the name of
                  such Lender on Schedule 1 under the caption "Amount of
                  Commitment for Revolving Credit Loan" (as the same may be
                  reduced from time to time pursuant to Section 2.3 hereof and
                  as the same may be reduced pursuant to Section 9.1.26 hereof).
                  As of March 28, 2002, the aggregate principal amount of the
                  Revolving Credit Commitments is $21,000,000.

                  (c) Section 9.1.1 of the Credit Agreement is hereby amended by
adding the following subsection 9.1.1(v) immediately after subsection 9.1.1(u):

                           (v) on the first day of each  month,  consolidated
                  cash flow  projections  for the Company and its Subsidiaries
                  for the 90-day period commencing on the required delivery date
                  of the projections; provided, that, in the event the
                                      --------
                  Syndication Agent is not satisfied with the form or
                  presentation of such projections, or the assumptions
                  underlying the same, the Company shall, at its sole cost and
                  expense, engage an independent consultant (acceptable to the
                  Syndication Agent in its sole discretion) to assist the
                  Company in modeling for, and the preparation of, revised cash
                  flow projections. The Company shall cause the consultant to
                  commence work in assisting with the modeling and the revised
                  projections within 15 Business Days after the Company's
                  receipt of the Syndication Agent's request therefor.

                  (d)      Section 9.1.9 of the Credit Agreement is hereby
amended to read in its entirety as follows:

                           9.1.9  Dividend Payments.
                                  -----------------

                           The Company will not, nor will it permit any of its
                  Subsidiaries to, declare or make any Dividend Payment at any
                  time, except a Dividend Payment from a Subsidiary to the
                  Company in order to fund the mandatory prepayment required
                  under Section 2.1.10 hereof upon the occurrence of a Capital
                  Event involving such Subsidiary.

                  (e)      Section 9.1.10 of the Credit Agreement is hereby
amended to read in its entirety as follows:

                           9.1.10.   Total Funded Debt to Adjusted EBITDA Ratio.
                                     ------------------------------------------
[Deleted

                  (f)      Section 9.1.12 of the Credit Agreement is hereby
amended to read in its entirety as follows:

                           9.1.12    Consolidated Net Worth.   [Deleted]
                                     ----------------------

                                       4

<PAGE>

                  (g)      Section 9.1.13 of the Credit Agreement is hereby
amended to read in its entirety as follows:

                           9.1.13    Consolidated Total Funded Debt to Net Worth
                                     -------------------------------------------
                                     Ratio.   [Deleted]
                                     -----

                  (h)      Section 9.1.14 of the Credit Agreement is hereby
amended to read in its entirety as follows:

                           9.1.14    Minimum Fixed Charge Coverage Ratio.
                                     -----------------------------------
                                     [Deleted]

                  (i)      Section 9.1.23 of the Credit Agreement is hereby
amended to read in its entirety as follows (changes from the Credit Agreement
are indicated in bold face type):

                           9.1.23    Capital Expenditures; Unfunded Capital
                                     --------------------------------------
                                     Expenditures.
                                     ------------

                           The Company will not, and will not permit any of its
                  Subsidiaries to, make any Capital Expenditures at any time,
                  except for the following: (i) Capital Expenditures in an
                  aggregate amount not to exceed $5,000,000 in any fiscal
                  quarter; and (ii) Capital Expenditures made in connection with
                  acquisitions permitted under Section 9 hereof. Notwithstanding
                  the foregoing, at no time during any fiscal year of the
                  Company and its Subsidiaries shall their unfunded Capital
                  Expenditures exceed the amount of depreciation and
                  amortization expenses of the Company and its Subsidiaries,
                  both calculated on a cumulative year-to-date basis for each
                  fiscal year of the Company and its Subsidiaries commencing on
                  January 1, 2002.

                  (j) Section 9.1 of the Credit Agreement is hereby amended by
adding the following Sections 9.1.27 through 9.1.31 immediately after Section
9.1.26 thereof:

                           9.1.27     Minimum Consolidated Net Income.
                                      -------------------------------

                                     The Company shall not cause, suffer or
                           permit its Consolidated Net Income (i) during any two
                           consecutive month period from March, 2002 through
                           July, 2002, to be less than $150,000, and (ii) to be
                           less than the following amounts as measured for or at
                           the following times:

                           Quarter Ending        Minimum Consolidated Net Income
                           --------------        -------------------------------
                           March 31, 2002        $150,000

                           June 30, 2002         $300,000

                                       5

<PAGE>

                           9.1.28    Minimum EBITDA.
                                     --------------

                                     The Company shall not cause, suffer or
                           permit its EBITDA (i) during any two consecutive
                           month period from March, 2002 through July, 2002, to
                           be less than $800,000, and (ii) to be less than the
                           following amounts as measured for or at the following
                           times:

                           Quarter Ending            Minimum EBITDA
                           --------------            --------------
                           March 31, 2002            $1,250,000

                           June 30, 2002             $1,750,000

                           Section 9.1.29    EBIT to Consolidated Interest
                                             ------------------------------
                  Expense Ratio.
                  --------------

                           The Company will not permit the ratio of (i) EBIT to
                  (ii) Consolidated Interest Expense to be less than 1.05 for
                  each fiscal quarter ending March 31, 2002 and June 30, 2002.

                           Section 9.1.30    Evidence of Refinancing.
                                             -----------------------

                           By no later than April 30, 2002, the Company shall
                  provide to the Syndication Agent a letter evidencing the
                  Company's request to refinance with a third-party lender all
                  of the obligations of the Company and its Subsidiaries under
                  the Basic Documents and the Operative Documents.

                           Section 9.1.31  Newport News Deed of Trust.
                                           --------------------------

                           By no later than April 30, 2002, Youth Services
                  International, Inc. shall provide to the Syndication Agent a
                  fully-executed deed of trust encumbering its Newport News,
                  Virginia, property in form and substance satisfactory to the
                  Syndication Agent, together with such other documents,
                  instruments, opinions, title commitments and certificates as
                  the Syndication Agent may require in connection therewith, and
                  otherwise comply with its obligations under Section 9.1.25 of
                  this Agreement.

                  (k) Part 1 of Schedule 1 to the Credit Agreement is hereby
                                ----------
deleted and replaced with Part 1 of Schedule 1 attached to this Agreement.
                                    ----------

           3.     Amendment Fees. Concurrently herewith and in consideration for
                  --------------
the Syndication Agent and the Lenders entering into this Agreement, the Company
is paying the Syndication Agent (i) an amendment fee in the amount of $125,000
for the ratable benefit of the Lenders, and (ii) an amendment fee in the amount
of $38,604 for the sole benefit of the Syndication Agent. The foregoing fees are
earned in full on the date hereof and not subject to rebate or reduction.

                                       6

<PAGE>

         4. Substitute Notes. To evidence the decrease in the aggregate
            ----------------
principal amount of the Revolving Credit Commitment from $25,000,000 to
$21,000,000, the Company is, concurrently herewith, executing and delivering to
each of the Revolving Credit Lenders a substitute Revolving Credit Note (each a
"Substitute Note") in substitution for, but not replacement of, the Revolving
Credit Note (each a "Prior Note") heretofore issued to each such Revolving
Credit Lender. The parties acknowledge and agree that the execution and delivery
of the Substitute Notes shall not constitute a repayment, refinancing, accord
and satisfaction or novation of the Prior Notes or the indebtedness evidenced
thereby.

         5. Guaranty Reaffirmation. The Subsidiary Guarantors hereby acknowledge
            ----------------------
and agree to the amendments to the Credit Agreement effected by this Agreement.
Each of the Subsidiary Guarantors hereby reaffirms all of the terms and
conditions of the guaranty set forth in Section 6 of the Credit Agreement and
agrees that such guaranty is applicable to all of the Guaranteed Obligations, as
amended by this Agreement. The Subsidiary Guarantors hereby acknowledge and
agree that they have no defenses, offsets or counterclaims with respect to the
Guaranteed Obligations and hereby waive and release all claims against the
Syndication Agent and the Lenders with respect thereto.

         6. Representations, Warranties and Other Covenants. In order to induce
            -----------------------------------------------
the Syndication Agent and the Lenders to enter into this Agreement and amend the
Credit Agreement as provided herein, each Obligor hereby represents and warrants
to the Syndication Agent and the Lenders that:

            (a) All of the representations and warranties of the Obligors
set forth in the Credit Agreement are true, complete and correct in all material
respects on and as of the date hereof with the same force and effect as if made
on and as of the date hereof and as if set forth at length herein.

            (b) After giving effect to this Agreement, no Default or Event
of Default presently exists and is continuing on and as of the date hereof.

            (c) Since the date of the Obligors' most recent financial
statements delivered to the Syndication Agent, no Material Adverse Effect has
occurred, and no event has occurred or failed to occur which has had or is
likely to have a Material Adverse Effect.

            (d) Each Obligor has full power and authority to execute,
deliver and perform any action or step which may be necessary to carry out the
terms of this Agreement and all other agreements, documents and instruments, if
any, executed and delivered by the Obligors to the Syndication Agent and the
Lenders concurrently herewith or in connection herewith (collectively, the
"Amendment Documents"); each Amendment Document to which any of the Obligors is
 -------------------
a party has been duly executed and delivered by such Obligors and is the legal,
valid and binding obligation of such Obligor enforceable in accordance with its
terms, subject to any applicable bankruptcy, insolvency, general equity
principles or other similar laws affecting the enforcement of creditors' rights
generally.

                                       7

<PAGE>

                  (e) The execution, delivery and performance of the Amendment
Documents will not (i) violate any provision of any existing law, statute, rule,
regulation or ordinance binding upon the Obligors, (ii) conflict with, result in
a breach of, or constitute a default under (A) the certificate of incorporation
or by-laws or other equivalent formation documents of any Obligor, (B) any
order, judgment, award or decree of any court, governmental authority, bureau or
agency, or (C) any mortgage, indenture, material lease, contract or other
material agreement or undertaking to which any Obligor is a party or by which
any Obligor or its properties or assets may be bound, or (iii) result in the
creation or imposition of any lien or other encumbrance upon or with respect to
any property or asset now owned or hereafter acquired by any Obligor, other than
liens in favor of the Syndication Agent for the ratable benefit of the Lenders.

                  (f) No consent, license, permit, approval or authorization of,
exemption by, notice to, report to, or registration, filing or declaration with
any Person is required in connection with the execution, delivery, performance
by the Obligors of the Amendment Documents or the transactions contemplated
thereby.

         7. Waiver of Financial Covenant Default. The Syndication Agent and the
            ------------------------------------
Lenders hereby waive compliance by the Company and its Subsidiaries with the
December 31, 2001 financial covenants contained in Sections 9.1.11 and 9.1.14 of
the Credit Agreement; provided, however, that the Company hereby acknowledges
                      --------  -------
and agrees that such waiver and the agreement by the Syndication Agent and the
Lenders to enter into this Agreement and to amend the Credit Agreement as
provided herein shall in no way be deemed to be a waiver by the Syndication
Agent or the Lenders of any other Defaults or Events of Default nor preclude the
Syndication Agent and the Lenders from declaring an Event of Default or
exercising any other remedies under the Credit Agreement as a result of such
other Events of Default or upon the occurrence at a later date of any other
Events of Default under the Credit Agreement. The Syndication Agent and the
Lenders reserve the right to enforce all terms and provisions of the Credit
Agreement and the other Basic Documents at any time or from time to time.

         8. Syndication Agent's Costs. (a) Concurrently herewith, the Company is
            -------------------------
paying to the Syndication Agent all of its out-of-pocket costs, including legal
fees and expenses, incurred by the Syndication Agent in connection with this
Agreement, the transactions referenced herein and the administration of the
facilities described in the Credit Agreement. The Company hereby authorizes the
Syndication Agent to charge the Company's account(s) with the Syndication Agent
(or its affiliate) in the amount of such out-of-pocket costs.

                  (b) The Company acknowledges and agrees that the Syndication
Agent and the Lenders have the right to retain an independent consultant to
investigate and advise them regarding the business and management of the Company
and its Subsidiaries and that the fees and expenses of such consultant shall
constitute out-of-pocket costs and expenses for which the Company is obligated
to reimburse the Syndication Agent pursuant to Section 12.3 of the Credit
Agreement.

                                       8

<PAGE>

         9.       No Change.  Except as expressly set forth herein or modified
                  ---------
hereby,  all of the terms and  provisions of the Credit Agreement and the other
Basic Documents are hereby reaffirmed in their entirety and shall continue in
full force and effect.

         10.      Counterparts;  Effectiveness.  This Agreement may be executed
                  ------------   -------------
in any number of  counterparts,  each of which shall be an original and all of
which shall  constitute one and the same  instrument.  This Agreement shall not
 be binding upon any party until all parties hereto have executed this Agreement
 and delivered it to the Syndication Agent.

         11.      No Defenses. The Company hereby acknowledges and agrees that
                  -----------
it has no defenses, offsets or counterclaims with respect to its obligations
under the Credit Agreement, the Notes, the other Basic Documents and the
Operative Documents and hereby waives and releases all claims against the
Syndication Agent and the Lenders with respect thereto.

                                       9

<PAGE>

         12.      Governing Law. This  Agreement shall be governed by and
                  -------------
construed in accordance  with the laws of the State of New York.

         IN WITNESS WHEREOF, the undersigned have caused their duly authorized
representatives to execute and deliver this Agreement as of the day and year
first above written.

                                          CORRECTIONAL SERVICES CORPORATION,
                                          a Delaware corporation

                                          By:
                                             ----------------------------------
                                             Name:
                                             Title:

                                          YOUTH SERVICES INTERNATIONAL, INC.
                                          a Maryland corporation

                                          By:
                                             ----------------------------------
                                             Name:
                                             Title:

                                          FF&E, INC., a New Jersey corporation

                                          By:
                                             ----------------------------------
                                             Name:
                                             Title:

                                          YOUTH SERVICES INTERNATIONAL
                                          OF NORTHERN IOWA, INC., an
                                          Iowa corporation

                                          By:
                                             ----------------------------------
                                             Name:
                                             Title:

                            (Signatures continued on next page)

                                       10

<PAGE>

                                          YOUTH SERVICES INTERNATIONAL
                                          HOLDINGS, INC., a Delaware corporation

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                          YOUTH SERVICES INTERNATIONAL
                                          REAL PROPERTY PARTNERSHIP, LLP,
                                          a Maryland limited liability
                                          partnership

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                          YOUTH SERVICES INTERNATIONAL
                                          OF ILLINOIS, INC., a Maryland
                                          corporation

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                          YOUTH SERVICES INTERNATIONAL
                                          OF SOUTH DAKOTA, INC., a South Dakota
                                          corporation

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                           (Signatures continued on next page)

                                       11

<PAGE>

                                          YOUTH SERVICES INTERNATIONAL
                                          OF TEXAS, INC., a Texas corporation

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                          YSI OF CENTRAL IOWA, INC.,
                                          an Iowa corporation

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                          YOUTH SERVICES INTERNATIONAL
                                          OF IOWA, INC., a Maryland
                                          corporation

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                          YOUTH SERVICES INTERNATIONAL
                                          OF MICHIGAN, INC., a Michigan
                                          corporation

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                           (Signatures continued on next page)

                                       12

<PAGE>

                                          YOUTH SERVICES INTERNATIONAL
                                          OF MISSOURI, INC., a Missouri
                                          corporation

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                          CSC MANAGEMENT DE PUERTO RICO, INC.,
                                          a Puerto Rico corporation

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                          FLEET NATIONAL BANK,
                                          as the Syndication Agent and a Lender

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                          SUNTRUST BANK, NASHVILLE, N.A.,
                                          as a Lender

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                          BANCO POPULAR NORTH AMERICA,
                                          as a Lender

                                          By:
                                             -----------------------------------
                                             Name:
                                             Title:

                                       13

<PAGE>

5th amendment to credit agreement.doc                            Exhibit 10.72.5

                                   SCHEDULE 1

                 Commitment of Lenders and Addresses for Notices

Part 1-Commitment of Lenders and Address for Notices to Lenders
---------------------------------------------------------------

<TABLE>
<CAPTION>
                                        Amount of Commitment
                                        For Revolving Credit                Amount of Commitment        Total
Lender                                  Loans                                   for DD Loans         Commitment
------                                  --------------------               ----------------------    ----------
<S>                                  <C>                                        <C>               <C>
Fleet National Bank                     $13,939,343                                 $0               $13,939,343
750 Walnut Avenue
Cranford, New Jersey 07016
Attention:  Craig Heal
Telecopier No.: (908) 653-1680
Telephone No.: (908) 709-5472

SunTrust Bank, Nashville, N.A.          $2,860,657                                  $0               $2,860,657
201 4th Avenue North
Nashville, TN 37219
Attention:  Bill Crawford
Telecopier No.: (615) 748-5269
Telephone No.: (615) 748-4629

Banco Popular North America             $4,200,000                                  $0               $4,200,000
7 West 51st Street
New York, NY 10019
Attention:  Ms. Karen Hamilton
            Senior Vice President
Telecopier No.: (212) 586-3537
Telephone No.: (212) 445-1811
</TABLE><PAGE>

                      FOURTH AMENDMENT TO MASTER AGREEMENT
                          AND OTHER OPERATIVE DOCUMENTS
                          -----------------------------

     THIS FOURTH AMENDMENT TO MASTER AGREEMENT AND OTHER OPERATIVE DOCUMENTS is
made as of the 28/th/ day of March, 2002, by and among CORRECTIONAL SERVICES
CORPORATION, a corporation duly organized and validly existing under the laws of
the State of Delaware (the "Company"); each of the Subsidiaries of the Company
                            -------
that is a signatory hereto or that, pursuant to Section 3.6 of the Master
Agreement (as hereinafter defined), shall become a party hereto as a lessee
(individually, together with the Company in its capacity as a lessee, a "Lessee"
                                                                         ------
and, collectively, the "Lessees"); each of the Subsidiaries of the Company
                        -------
identified under the caption "SUBSIDIARY GUARANTORS" on the signature pages
hereto (individually, a "Subsidiary Guarantor" and, collectively, the
                         --------------------
"Subsidiary Guarantors"); ATLANTIC FINANCIAL GROUP, LTD., a Texas limited
 ---------------------
partnership (the "Lessor"); certain financial institutions parties hereto as
                  ------
lenders (together with any other financial institution that becomes a party
hereto as a lender, collectively referred to as "Lenders" and individually as a
"Lender"); FLEET NATIONAL BANK, a national banking association and successor by
 ------
merger to Summit Bank, as syndication agent for the Lenders (in such capacity,
together with its successors in such capacity, the "Syndication Agent"); and
                                                    -----------------
SUNTRUST BANK, NASHVILLE, N.A., a national banking association, as documentation
agent (in such capacity, the "Document Agent").
                              --------------

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

     WHEREAS, the Company, the Lessees, the Subsidiary Guarantors, the Lessor,
the Lenders, the Syndication Agent and the Documentation Agent entered into a
Master Agreement dated as of August 31, 1999, as amended by a first amendment
thereto dated as of November 10, 2000, a second amendment thereto dated in or
about August, 2001, and a third amendment thereto dated in or about November,
2001 (collectively, the "Master Agreement"); and
                         ----------------

     WHEREAS, concurrently herewith, the Lessor is making an additional Funding
in the amount of $65,000.40, the proceeds of which will be used to reduce the
outstanding principal amounts under the B Loan; and

     WHEREAS, the Company has requested the Lessor, the Lenders, the Syndication
Agent and the Documentation Agent to make certain amendments to the Master
Agreement, including increasing the C Percentage and decreasing the B
Percentage, as more fully described herein, and the Lessor, the Lenders, the
Syndication Agent and the Documentation Agent have agreed to do so, subject to
and in accordance with the terms and conditions hereinafter set forth.

     NOW, THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

<PAGE>

         1.       Defined  Terms.  Except as otherwise  indicated  herein,
                  --------------
all words and terms defined in the Appendix A to the Master Agreement shall have
the same meanings when used herein.

         2.       Amendments to Master Agreement.
                  ------------------------------

                  (a) Appendix A to the Master Agreement is amended by adding
the following definitions thereto:

                      "EBIT" shall mean, for any period, the income from
                       ----
                  operations of the Company and its Subsidiaries for such
                  period, determined on a consolidated basis without duplication
                  in accordance with GAAP.

                      "Restructuring Charges" shall mean the cash payments made
                       ---------------------
                  by the Company and its Subsidiaries during any fiscal
                  quarter relating to restructuring and impairment charges
                  reflected in the consolidated statement of operations for the
                  Company and its Subsidiaries for the quarter ending September
                  30, 2001.

                  (b) The following definitions appearing in Appendix A to the
Master Agreement are hereby amended to read in their entirety as follows:

                      "Applicable Margin" shall mean, with reference to
                       -----------------
                  Advances (i) that are Base Rate Advances, an amount in excess
                  of the Base Rate, equal to 3.50%, and (ii) that are LIBOR
                  Advances, an amount in excess of the LIBOR Rate, equal to
                  5.00%; provided, however, in the event that (A) the Company
                         --------  -------
                  consummates the sale of its facility located in Phoenix,
                  Arizona, in accordance with Section 9.1.26 of the Credit
                  Agreement, and the net proceeds from such sale result in a
                  reduction of (x) the outstanding principal amount of the
                  Revolving Credit Loans (as defined in the Credit Agreement) by
                  at least $8,000,000 and (y) the Revolving Credit Commitments
                  (as defined in the Credit Agreement) by at least $4,000,000,
                  or (B) the facility leased by the Company in Salinas, Puerto
                  Rico, is sold to a third party in accordance with Article XIV
                  of the Lease and (1) the total purchase price for such sale
                  equals or exceeds the Lease Balance as of the closing date for
                  such sale and (2) the down payment from such sale which is
                  applied to reduce the aggregate principal amount of the Loans
                  equals or exceeds $7,500,000, then the Applicable Margin for
                  Advances (a) that are Base Rate Advances shall mean an amount
                  in excess of the Base Rate equal to 2.50%, and (b) that are
                  LIBOR Advances shall mean an amount in excess of the LIBOR
                  Rate equal to 4.00%. Notwithstanding the foregoing, the
                  Applicable Margin shall not be reduced at any time during
                  which an Event of Default shall have occurred and be
                  continuing.

                                       2

<PAGE>

                      "Available Excess Cash Flow" - [Deleted]
                       --------------------------

                      "Consolidated Interest Expense" shall mean, for any
                       -----------------------------
                  period, for the Company and its Subsidiaries (determined on a
                  consolidated basis without duplication in accordance with
                  GAAP), the sum or difference of (a) all interest in respect of
                  Indebtedness (including, without limitation, the interest
                  component of any payments under Capital Leases) accrued or
                  capitalized during such period (whether or not actually paid
                  during such period), plus (b) the net amount payable (or minus
                                       ----
                  the net amount receivable) under Interest Rate Protection
                  Agreements during such period (whether or not actually paid or
                  received during such period).

                      "EBITDA" shall mean, for any period, the sum of (a) the
                       ------
                  income from operations of the Company and its Subsidiaries
                  for such period, determined on a consolidated basis without
                  duplication in accordance with GAAP, plus (b) depreciation and
                                                       ----
                  amortization expenses deducted in the determination of the
                  Consolidated Net Income of the Company and its Subsidiaries
                  for such period, minus (c) the Restructuring Charges paid
                                   -----
                  during such period, plus (d) non-cash expenses incurred by the
                                      ----
                  Company and its Subsidiaries during such period, if and to the
                  extent approved by the Syndication Agent and the Lenders.

                      "Permitted Investments" means (a) direct obligations of
                       ---------------------
                  the United States of America, or of any agency thereof, or
                  obligations guaranteed as to principal and interest by the
                  United States of America, or of any agency thereof, in either
                  case maturing not more than 90 days from the date of
                  acquisition thereof; (b) certificates of deposit issued by any
                  Lender or by any bank or trust company organized under the
                  laws of the United States of America or any state thereof and
                  having capital, surplus and undivided profits of at least
                  $500,000,000, maturing not more than 90 days from the date of
                  acquisition thereof; (c) commercial paper rated A-1 or better
                  or P-1 by Standard & Poor's Corporation or Moody's Investors
                  Services, Inc., respectively, maturing not more than six
                  months from the date of acquisition thereof; (d) commercial
                  paper of any Lender (or any Affiliate thereof located in the
                  United States of America) that is rated A-1 or better or P-1
                  by Standard and Poor's Corporation or Moody's Investors
                  Services, Inc., respectively, maturing not more than six
                  months from the date of acquisition thereof; (e) repurchase
                  agreements entered into with any Lender or with any bank or
                  trust company satisfying the conditions of clause (b) hereof
                  that are secured by any obligation of the type described in
                  clauses (a) through (d) of this definition; and (f) money
                  market funds acceptable to the Required Lenders.

<PAGE>

                      "Permitted Stock Repurchases" - [Deleted]
                       ---------------------------

                  (c) Section 5.1(a) of the Master Agreement is hereby amended
by adding the following subsection 5.1(a)(xxii) immediately after subsection
5.1(a)(xxi):

                      (xxii) on the first day of each month, consolidated
                  cash flow projections for the Company and its Subsidiaries for
                  the 90-day period commencing on the required delivery date of
                  the projections; provided, that, in the event the Syndication
                                   --------  ----
                  Agent is not satisfied with the form or presentation of such
                  projections, or the assumptions underlying the same, the
                  Company shall, at its sole cost and expense, engage an
                  independent consultant (acceptable to the Syndication Agent in
                  its sole discretion) to assist the Company in modeling for,
                  and the preparation of, revised cash flow projections. The
                  Company shall cause the consultant to commence work in
                  assisting with the modeling and the revised projections within
                  15 Business Days after the Company's receipt of the
                  Syndication Agent's request therefor.

                  (d) Section 5.1(i) of the Master Agreement is hereby amended
to read in its entirety as follows:

                      (i)      Dividend Payments.
                               -----------------

                      The Company will not, nor will it permit any of its
                  Subsidiaries to, declare or make any Dividend Payment at any
                  time, except a Dividend Payment from a Subsidiary to the
                  Company in order to fund the mandatory prepayment required
                  under the Credit Agreement upon the occurrence of a Capital
                  Event involving such Subsidiary.

                  (e) Section 5.1(j) of the Master Agreement is hereby
amended to read in its entirety as follows:

                      (j)      Total Funded Debt to Adjusted EBITDA Ratio.
                               ------------------------------------------
[Deleted]

                  (f) Section 5.1(l) of the Master Agreement is hereby amended
to read in its entirety as follows:

                      (l)      Consolidated Net Worth. [Deleted]
                               ----------------------

                  (g) Section 5.1(m) of the Master Agreement is hereby amended
to read in its entirety as follows:

                      (m)      Consolidated Total Funded Debt to Net Worth
                               -------------------------------------------
                               Ratio. [Deleted]
                               -----

<PAGE>

         (h)      Section 5.1(n) of the Master Agreement is hereby amended to
read in its entirety as follows:

                      (n)    Minimum Fixed Charge Coverage Ratio.  [Deleted]
                             -----------------------------------

                  (i) Section 5.1(w) of the Master Agreement is hereby amended
to read in its entirety as follows (changes from the Master Agreement are
indicated in bold-face type):

                      (w)    Capital Expenditures; Unfunded Capital
                             --------------------------------------

                             Expenditures.
                             ------------

                      The Company will not, and will not permit any of its
                  Subsidiaries to, make any Capital Expenditures at any time,
                  except for the following: (i) Capital Expenditures in an
                  aggregate amount not to exceed $5,000,000 in any fiscal
                  quarter; and (ii) Capital Expenditures made in connection with
                  acquisitions permitted under Section 5.1(e) hereof.
                                               --------------
                  Notwithstanding the foregoing, at no time during any fiscal
                  year of the Company and its Subsidiaries shall their unfunded
                  Capital Expenditures exceed the amount of depreciation and
                  amortization expenses of the Company and its Subsidiaries,
                  both calculated on a cumulative year-to-date basis for each
                  fiscal year of the Company and its Subsidiaries commencing on
                  January 1, 2002.

                  (j) Section 5.1 of the Master Agreement is hereby amended by
adding the following subsections 5.1 (y) through (bb) immediately after
subsection 5.1(x):

                      (y)    Minimum Consolidated Net Income.
                             -------------------------------

                             The Company shall not cause, suffer or permit its
                  Consolidated Net Income (i) during any two consecutive month
                  period from March, 2002 through July, 2002, to be less than
                  $150,000, and (ii) to be less than the following amounts as
                  measured for or at the following times:

                      Quarter Ending            Minimum Consolidated Net Income
                      --------------            -------------------------------

                      March 31, 2002                     $150,000

                      June 30, 2002                      $300,000

                                       5

<PAGE>

                      (z)   Minimum EBITDA.
                            --------------

                      The Company shall not cause, suffer or permit its
                  EBITDA (i) during any two consecutive month period from March,
                  2002 through July, 2002, to be less than $800,000, and (ii) to
                  be less than the following amounts as measured for or at the
                  following times:

                      Quarter Ending            Minimum EBITDA
                      --------------            --------------

                      March 31, 2002              $1,250,000

                      June 30, 2002               $1,750,000

                      (aa)  EBIT to Consolidated Interest Expense Ratio.
                            -------------------------------------------

                      The Company will not permit the ratio of (i) EBIT to (ii
                  Consolidated Interest Expense to be less than 1.05 for
                  each fiscal quarter ending March 31, 2002 and June 30, 2002.

                      (bb)  Evidence of Refinancing.
                            -----------------------

                      By no later than April 30, 2002, the Company shall
                  provide to the Syndication Agent a letter evidencing the
                  Company's request to refinance with a third-party lender all
                  of the obligations of the Company and its Subsidiaries under
                  the Basic Documents and the Operative Documents.

                  (k)     Schedule 2.2 of the Master Agreement is hereby deleted
                          ------------
and replaced with Schedule 2.2 attached to this Agreement.
                  ------------

     3. Amendments to Other Operative Documents. Appendix A to each of the
        ---------------------------------------
Lease, the Loan Agreement, and the Construction Agency Agreement are hereby
amended to incorporate therein the changes to Appendix A to the Master Agreement
effected by paragraphs 2(a) and 2(b) of this Agreement.

     4. Amendment Fee. Concurrently herewith and in consideration for the
        -------------
Syndication Agent, the Lessor and the Lenders entering into this Agreement, the
Company is paying the Syndication Agent an amendment fee in the amount of
$68,021 for the ratable benefit of the Lenders. The foregoing fees are earned in
full on the date hereof and not subject to rebate or reduction.

     5. Guaranty Reaffirmation. The Company hereby reaffirms all of the terms
        -----------------------
and conditions of the Guaranty Agreement and acknowledges and agrees that it has
no defenses, offsets or counterclaims with respect to its obligations
thereunder.

                                       6

<PAGE>

     6. Substitute Notes. To evidence the decrease in the aggregate Commitments
        ----------------
allocable to the A Loan and the B Loan as set forth in Schedule 2.2 attached
hereto, the Lessor is, concurrently herewith, executing and delivering to the
Syndication Agent, for the ratable benefit of the Lenders, (a) a substitute A
Note (the "Substitute A Note") in the principal amount of $11,689,368.79, in
substitution for, but not repayment of, the A Note heretofore issued to the
Syndication Agent in the principal amount of $30,800,000 and (b) a substitute B
Note (the "Substitute B Note") in the principal amount of $1,130,503.51 in
substitution for, but not repayment of, the B Note heretofore issued to the
Syndication Agent in the principal amount of $3,150,000. The parties acknowledge
and agree that the execution and delivery of the Substitute A Note and the
Substitute B Note shall not constitute a repayment, refinancing, accord and
satisfaction or novation of the A Note or the B Note, respectively, or the
indebtedness evidenced thereby.

     7. Representations and Warranties.
        ------------------------------

             (a) In order to induce the Syndication Agent and the Lenders to
enter into this Agreement and amend the Master Agreement as provided herein,
each Obligor, as to itself, hereby represents and warrants to the other parties
hereto as follows:

                     (i)   All of the representations and warranties of the
Obligors set forth in the Master Agreement are true, complete and correct in all
material respects on and as of the date hereof with the same force and effect as
if made on and as of the date hereof and as if set forth at length herein.

                     (ii)  After giving effect to this Agreement, no Potential
Event of Default or Event of Default presently exists and is continuing on and
as of the date hereof.

                     (iii) Since the date of the Obligors' most recent financial
statements delivered to the Syndication Agent, no Material Adverse Effect has
occurred, and no event has occurred or failed to occur which has had or is
likely to have a Material Adverse Effect.

                     (iv)  Each Obligor has full power and authority to execute,
deliver and perform any action or step which may be necessary to carry out the
terms of this Agreement and all other agreements, documents and instruments, if
any, executed and delivered by the Obligor to the Syndication Agent and the
Lenders concurrently herewith or in connection herewith (collectively, the
"Amendment Documents"); each Amendment Document to which any of the Obligors is
 -------------------
a party has been duly executed and delivered by such party and is the legal,
valid and binding obligation of such party enforceable in accordance with its
terms, subject to any applicable bankruptcy, insolvency, general equity
principles or other similar laws affecting the enforcement of creditors' rights
generally.

                     (v)   The execution, delivery and performance of the
Amendment Documents will not (i) violate any provision of any existing law,
statute, rule, regulation or ordinance binding upon the Obligors, (ii) conflict
with, result in a breach of, or constitute a default under (A) the certificate
of incorporation or by-laws or other equivalent formation documents of any
Obligor, (B) any order, judgment, award or decree of any court, governmental
authority, bureau or agency, or (C) any mortgage, indenture, material lease,
contract or other material agreement or

                                       7

<PAGE>

undertaking to which any Obligor is a party or by which such party or its
properties or assets may be bound, or (iii) result in the creation or imposition
of any lien or other encumbrance upon or with respect to any property or asset
now owned or hereafter acquired by any Obligor, other than liens in favor of the
Syndication Agent for the ratable benefit of the Lenders.

                     (vi)     No consent, license, permit, approval or
authorization of, exemption by, notice to, report to, or registration, filing or
declaration with any Person is required in connection with the execution,
delivery or performance by the Obligors of the Amendment Documents or the
transactions contemplated thereby.

             (b) The Lessor hereby represents and warrants to the other parties
hereto as follows:

                     (i)      All of the representations and warranties of the
Lessor set forth in the Master Agreement are true, complete and correct in all
material respects on and as of the date hereof with the same force and effect as
if made on and as of the date hereof and as if set forth at length herein.

                     (ii)     Since the date of the  Lessor's  most recent
financial statements delivered to the Syndication Agent, no Material Adverse
Effect has occurred, and no event has occurred or failed to occur which has had
or is likely to have a Material Adverse Effect.

                     (iii)    The Lessor has full power and  authority  to
execute, deliver and perform any action or step which may be necessary to carry
out the terms of this Agreement and any other Amendment Document; each Amendment
Document to which the Lessor is a party has been duly executed and delivered by
the Lessor and is the legal, valid and binding obligation of the Lessor
enforceable in accordance with its terms, subject to any applicable bankruptcy,
insolvency, general equity principles or other similar laws affecting the
enforcement of creditors' rights generally.

                     (iv)     The  execution,  delivery  and  performance  of
the Amendment Documents will not (i) violate any provision of any existing law,
statute, rule, regulation or ordinance binding upon the Lessor, (ii) conflict
with, result in a breach of, or constitute a default under (A) the formation
documents of the Lessor, (B) any order, judgment, award or decree of any court,
governmental authority, bureau or agency, or (C) any mortgage, indenture,
material lease, contract or other material agreement or undertaking to which the
Lessor is a party or by which the Lessor or its properties or assets may be
bound, or (iii) result in the creation or imposition of any lien or other
encumbrance upon or with respect to any property or asset now owned or hereafter
acquired by the Lessor.

                     (v)      No consent,  license,  permit, approval or
authorization of, exemption by, notice to, report to, or registration, filing or
declaration with any Person is required in connection with the execution,
delivery or performance by the Lessor of the Amendment Documents or the
transactions contemplated thereby.

                                       8

<PAGE>

     8.  Waiver of Financial Covenant Default. The Lessor, the Syndication
         ------------------------------------
Agent and the Lenders hereby waive compliance by the Company and its
Subsidiaries with the December 31, 2001 financial covenants contained in
Sections 5.1(k) and 5.1(n) of the Master Agreement; provided, however, that the
Company hereby acknowledges and agrees that such waiver and the agreement by the
Syndication Agent, the Lessor and the Lenders to enter into this Agreement and
to amend the Master Agreement as provided herein shall in no way be deemed to be
a waiver by the Syndication Agent, the Lessor or the Lenders of any other
Potential Defaults or Events of Default nor preclude the Syndication Agent, the
Lessor and the Lenders from declaring an Event of Default or exercising any
other remedies under the Master Agreement as a result of such other Events of
Default or upon the occurrence at a later date of any other Events of Default
under the Master Agreement. The Syndication Agent, the Lessor and the Lenders
reserve the right to enforce all terms and provisions of the Master Agreement
and the other Operative Documents at any time or from time to time.

     9.  Syndication Agent's Costs. The Company shall on demand reimburse the
         -------------------------
Syndication Agent for all out-of-pocket costs, including legal fees and
expenses, incurred by the Syndication Agent in connection with this Agreement
and the other Amendment Documents and the transactions referenced herein. The
Company hereby authorizes the Syndication Agent to charge the Company's
account(s) with the Syndication Agent (or its affiliate) in the amount of such
out-of-pocket costs.

     10. No Change. Except as expressly set forth herein or modified hereby, all
         ---------
of the terms and provisions of the Master Agreement and the other Operative
Documents are hereby reaffirmed in their entirety shall continue in full force
and effect.

     11. Counterparts; Effectiveness. This Agreement may be executed in any
         ---------------------------
number of counterparts, each of which shall be an original and all of which
shall constitute one and the same instrument. This Agreement shall not be
binding upon any party until all parties hereto have executed this Agreement and
delivered it to the Syndication Agent.

     12. Governing Law. This Agreement shall be governed by and construed in
         -------------
accordance with the laws of the State of New York.

                                       9

<PAGE>

IN WITNESS WHEREOF, the undersigned have caused their duly authorized
representatives to execute and deliver this Agreement as of the day and year
first above written.

                                        CORRECTIONAL SERVICES CORPORATION,
                                        a Delaware corporation

                                        By:_________________________________
                                              Name:
                                              Title:

                                        YOUTH SERVICES INTERNATIONAL, INC.
                                        a Maryland corporation

                                        By:_________________________________
                                              Name:
                                              Title:

                       (Signatures continued on next page)

                                       10

<PAGE>

                                        FF&E, INC., a New Jersey corporation

                                        By:
                                           -------------------------------------
                                              Name:
                                              Title:

                                        YOUTH SERVICES INTERNATIONAL
                                        OF NORTHERN IOWA, INC., an
                                        Iowa corporation

                                        By:
                                           -------------------------------------
                                              Name:
                                              Title:

                                        YOUTH SERVICES INTERNATIONAL
                                        HOLDINGS, INC., a Delaware corporation

                                        By:
                                           -------------------------------------
                                              Name:
                                              Title:

                                        YOUTH SERVICES INTERNATIONAL
                                        REAL PROPERTY PARTNERSHIP, LLP,
                                        a Maryland limited liability partnership

                                        By:
                                           -------------------------------------
                                              Name:
                                              Title:

                                        YOUTH SERVICES INTERNATIONAL
                                        OF ILLINOIS, INC., a Maryland
                                        corporation

                                        By:
                                           -------------------------------------
                                              Name:
                                              Title:

                       (Signatures continued on next page)

                                       11

<PAGE>

                                        YOUTH SERVICES INTERNATIONAL
                                        OF SOUTH DAKOTA, INC., a South Dakota
                                        corporation

                                        By:
                                           -------------------------------------
                                           Name:
                                           Title:

                                        YOUTH SERVICES INTERNATIONAL
                                        OF TEXAS, INC., a Texas corporation

                                        By:
                                           -------------------------------------
                                           Name:
                                           Title:

                                        YSI OF CENTRAL IOWA, INC.,
                                        an Iowa corporation

                                        By:
                                           -------------------------------------
                                           Name:
                                           Title:

                                        YOUTH SERVICES INTERNATIONAL
                                        OF IOWA, INC., a Maryland
                                        corporation

                                        By:
                                           -------------------------------------
                                           Name:
                                           Title:

                       (Signatures continued on next page)

                                       12

<PAGE>

                                        YOUTH SERVICES INTERNATIONAL
                                        OF MICHIGAN, INC., a Michigan
                                        corporation

                                        By:
                                           -------------------------------------
                                           Name:
                                           Title:

                                        YOUTH SERVICES INTERNATIONAL
                                        OF MISSOURI, INC., a Missouri
                                        corporation

                                        By:
                                           -------------------------------------
                                           Name:
                                           Title:

                                        CSC MANAGEMENT DE PUERTO RICO, INC.,
                                        a Puerto Rico corporation

                                        By:
                                           -------------------------------------
                                           Name:
                                           Title:

                                        FLEET NATIONAL BANK,
                                        as the Syndication Agent and a Lender

                                        By:
                                           -------------------------------------
                                           Name:
                                           Title:

                       (Signatures continued on next page)

                                       13

<PAGE>

                                        ATLANTIC FINANCIAL GROUP, LTD.,
                                        as Lessor

                                        By:  Atlantic Financial Managers, Inc.,
                                             its General Partner

                                             By:
                                                --------------------------------
                                                Name:
                                                Title:

                                        SUNTRUST BANK, NASHVILLE, N.A.,
                                        as the Documentation Agent and a Lender

                                        By:
                                           -------------------------------------
                                           Name:
                                           Title:

                                       14

<PAGE>

                                  SCHEDULE 2.2
                                  ------------

                    AMOUNT OF EACH FUNDING PARTY'S COMMITMENT

   Funding Party                   Commitment Percentage       Commitment Amount
   -------------                   ---------------------       -----------------

   Lessor                                 3.489%                 $   463,502.20
   Fleet National Bank - A Loan          77.590%                 $10,306,516.46
   Fleet National Bank - B Loan           7.935%                 $ 1,054,075.80
   SunTrust Bank - A Loan                10.410%                 $ 1,382,852.33
   SunTrust Bank - B Loan                 0.575%                 $    76,427.71

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