Document:

Exhibit 10.2

                            LOAN EXTENSION AGREEMENT
                                January 11, 2002

         WHEREAS, Growth Ventures, Inc. did make a loan to High-Tech Industries,
Inc. on January 11, 2001 in the amount of $40,000, a copy of which is attached
hereto; and

         WHEREAS, the due date of said loan was January 11, 2002; and

         WHEREAS, the parties mutually agree that the loan will be extended to
January 11, 2003;

         NOW, THEREFORE, it is mutually agreed that the above referenced note
shall be extended to January 11, 2003, with all other terms and conditions
remaining the same.

GROWTH VENTURES, INC.                          HIGH-TECH INDUSTRIES, INC.

/s/ GARY J. McADAM                              /s/  KURT A. MOORE
---------------------------------------         --------------------------------
By:  Gary J. McAdam, President                  By:  Kurt A. Moore, President

<PAGE>

                                 PROMISSORY NOTE

$40,000                                                         January 11, 2001

FOR VALUE RECEIVED, the undersigned, High-Tech Industries, Inc., a Colorado
Corporation, of 6090 South 2900 East, Ogden UT 84403, promises to pay to the
order of Growth Ventures, Inc. at 14 Red Tail Drive, Highlands Ranch, CO 80126
or such other place as the holder may designate in writing to the undersigned,
the principal sum of Forty Thousand and no/100 Dollars ($40,000.00), together
with interest thereon from date hereof until paid, at the rate of Ten Percent
(10%) per annum. The entire principal amount shall be repaid on January 11,
2002.

Payments shall be applied first to accrued interest and the balance to
principal.

All or any part of the aforesaid principal sum may be prepaid at any time and
form time to time without penalty.

In the event of any default by the undersigned in the payment of principal or
interest when due or in the event of the suspension of actual business,
insolvency, assignment for the benefit of creditors, adjudication of bankruptcy,
or appointment of a receiver, of or against the undersigned, the unpaid balance
of the principal sum of this promissory note shall at the option of the holder
become immediately due and payable.

The maker and all other persons who may become liable for the payment thereof
severally waiver demand, presentment, protest, notice of dishonor or nonpayment,
notice of protest, and any and all lack of diligence or delays in collection
which may occur, and expressly consent and agree to each and any extension or
postponement of time of payment hereof from time to time at or after maturity or
other indulgence, and waiver all notice thereof.

In case suit or action is instituted to collect this note, or any portion
hereof, the maker promises to pay such additional sum, as the court may adjudge
reasonable, attorneys' fees in said proceedings.

This note is made and executed under, and is in all respects governed by, the
laws of the State of Colorado.

                                            HIGH-TECH INDUSTRIES, INC.

                                            By: /s/ Kurt A. Moore
                                               -------------------------------
                                                 Kurt A. Moore, President

<PAGE>Exhibit 10.3

                                 PROMISSORY NOTE

$40,000                                                         January 22, 2002

FOR VALUE RECEIVED, the undersigned, High-Tech Industries, Inc., a Colorado
Corporation, of 6090 South 2900 East, Ogden UT 84403, promises to pay to the
order of Abacus Financial Group, Inc., 11011 King Street, Suite 212, Overland
Park, KS 66210 or such other place as the holder may designate in writing to the
undersigned, the principal sum of Forty Thousand Dollars ($40,000), together
with interest thereon from date hereof until paid, at the rate of Ten Percent
(10%) per annum. The entire principal amount shall be repaid on January 21,
2003.

Payments shall be applied first to accrued interest and the balance to
principal.

All or any part of the aforesaid principal sum may be prepaid at any time and
form time to time without penalty.

In the event of any default by the undersigned in the payment of principal or
interest when due or in the event of the suspension of actual business,
insolvency, assignment for the benefit of creditors, adjudication of bankruptcy,
or appointment of a receiver, of or against the undersigned, the unpaid balance
of the principal sum of this promissory note shall at the option of the holder
become immediately due and payable.

The maker and all other persons who may become liable for the payment thereof
severally waiver demand, presentment, protest, notice of dishonor or nonpayment,
notice of protest, and any and all lack of diligence or delays in collection
which may occur, and expressly consent and agree to each and any extension or
postponement of time of payment hereof from time to time at or after maturity or
other indulgence, and waiver all notice thereof.

In case suit or action is instituted to collect this note, or any portion
hereof, the maker promises to pay such additional sum, as the court may adjudge
reasonable, attorneys' fees in said proceedings.

This note is made and executed under, and is in all respects governed by, the
laws of the State of Kansas.

                                            HIGH-TECH INDUSTRIES, INC.

                                            By: /s/ Kurt A. Moore
                                               ------------------------------
                                                 Kurt A. Moore, President================================================================================

                                Credit Agreement

                            Dated as of April 3, 2002

                                      among

                             Racing Champions, Inc.,
                          Racing Champions South, Inc.,
                       Racing Champions Worldwide Limited,

                The Guarantors from time to time parties hereto,

                  the Lenders from time to time parties hereto,

                                       and

                          Harris Trust and Savings Bank
                             as Administrative Agent

================================================================================

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>

Section                                             Heading                                      Page
<S>             <C>                                                                              <C>
Section 1.      The Credit Facilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     1
Section 1.1.    Revolving Credit Commitments. . . . . . . . . . . . . . . . . . . . . . . . . .     1
Section 1.2.    Letters of Credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     1
Section 1.3.    Applicable Interest Rates . . . . . . . . . . . . . . . . . . . . . . . . . . .     3
Section 1.4.    Minimum Borrowing Amounts; Maximum Eurodollar Loans . . . . . . . . . . . . . .     5
Section 1.5.    Manner of Borrowing Loans and Designating Applicable Interest Rates . . . . . .     5
Section 1.6.    Interest Periods. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     7
Section 1.7.    Maturity of Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     8
Section 1.8.    Prepayments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     8
Section 1.9.    Default Rate. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    10
Section 1.10.   The Notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    10
Section 1.11.   Funding Indemnity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    11
Section 1.12.   Commitment Terminations . . . . . . . . . . . . . . . . . . . . . . . . . . . .    11
Section 1.13.   Substitution of Lenders . . . . . . . . . . . . . . . . . . . . . . . . . . . .    12
Section 1.14.   Appointment of RCI as Agent for Borrowers . . . . . . . . . . . . . . . . . . .    12
Section 1.15.   Swing Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    13

Section 2.      Fees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    14
Section 2.1.    Fees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    14

Section 3.      Place and Application of Payments . . . . . . . . . . . . . . . . . . . . . . .    15
Section 3.1.    Place and Application of Payments . . . . . . . . . . . . . . . . . . . . . . .    15

Section 4.      The Guaranties. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    16
Section 4.1.    Guaranties. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    16
Section 4.2.    Further Assurances. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    16

Section 5.      Definitions; Interpretation . . . . . . . . . . . . . . . . . . . . . . . . . .    16
Section 5.1.    Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    16
Section 5.2.    Interpretation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    27
Section 5.3.    Change in Accounting Principles . . . . . . . . . . . . . . . . . . . . . . . .    27

Section 6.      Representations and Warranties. . . . . . . . . . . . . . . . . . . . . . . . .    28
Section 6.1.    Organization and Qualification. . . . . . . . . . . . . . . . . . . . . . . . .    28
Section 6.2.    Subsidiaries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    28
Section 6.3.    Authority and Validity of Obligations . . . . . . . . . . . . . . . . . . . . .    28
Section 6.4.    Use of Proceeds; Margin Stock . . . . . . . . . . . . . . . . . . . . . . . . .    29
Section 6.5.    Financial Reports . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    29
Section 6.6.    No Material Adverse Change. . . . . . . . . . . . . . . . . . . . . . . . . . .    29
Section 6.7.    Full Disclosure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    29
Section 6.8.    Trademarks, Franchises, and Licenses. . . . . . . . . . . . . . . . . . . . . .    30
Section 6.9.    Governmental Authority and Licensing. . . . . . . . . . . . . . . . . . . . . .    30
Section 6.10.   Good Title. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    30
Section 6.11.   Litigation and Other Controversies. . . . . . . . . . . . . . . . . . . . . . .    30
Section 6.12.   Taxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    30
Section 6.13.   Approvals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    30
Section 6.14.   Affiliate Transactions. . . . . . . . . . . . . . . . . . . . . . . . . . . . .    30

                                        i
<PAGE>
Section 6.15.   Investment Company; Public Utility Holding Company. . . . . . . . . . . . . . .    31
Section 6.16.   ERISA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    31
Section 6.17.   Compliance with Laws. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    31
Section 6.18.   Other Agreements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    31
Section 6.19.   Solvency. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    31
Section 6.20.   No Default. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    31

Section 7.      Conditions Precedent. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    31
Section 7.1.    All Credit Events . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    31
Section 7.2.    Initial Credit Event. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    32

Section 8.      Covenants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    33
Section 8.1.    Maintenance of Business . . . . . . . . . . . . . . . . . . . . . . . . . . . .    33
Section 8.2.    Maintenance of Properties . . . . . . . . . . . . . . . . . . . . . . . . . . .    34
Section 8.3.    Taxes and Assessments . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    34
Section 8.4.    Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    34
Section 8.5.    Financial Reports . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    34
Section 8.6.    Inspection. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    36
Section 8.7.    Borrowings and Guaranties . . . . . . . . . . . . . . . . . . . . . . . . . . .    36
Section 8.8.    Liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    36
Section 8.9.    Investments, Acquisitions, Loans and Advances . . . . . . . . . . . . . . . . .    37
Section 8.10.   Mergers, Consolidations and Sales . . . . . . . . . . . . . . . . . . . . . . .    38
Section 8.11.   Maintenance of Subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . .    39
Section 8.12.   Dividends and Certain Other Restricted Payments . . . . . . . . . . . . . . . .    39
Section 8.13.   ERISA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    39
Section 8.14.   Compliance with Laws. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    39
Section 8.15.   Burdensome Contracts With Affiliates. . . . . . . . . . . . . . . . . . . . . .    39
Section 8.16.   No Changes in Fiscal Year . . . . . . . . . . . . . . . . . . . . . . . . . . .    40
Section 8.17.   Formation of Subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . .    40
Section 8.18.   Change in the Nature of Business. . . . . . . . . . . . . . . . . . . . . . . .    40
Section 8.19.   Use of Loan Proceeds. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    40
Section 8.20.   No Restrictions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    40
Section 8.21.   Leverage Ratio. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    40
Section 8.22.   Interest Coverage Ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . .    40

Section 9.      Events of Default and Remedies. . . . . . . . . . . . . . . . . . . . . . . . .    40
Section 9.1.    Events of Default . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    40
Section 9.2.    Non-Bankruptcy Defaults . . . . . . . . . . . . . . . . . . . . . . . . . . . .    42
Section 9.3.    Bankruptcy Defaults . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    42
Section 9.4.    Collateral for Undrawn Letters of Credit. . . . . . . . . . . . . . . . . . . .    43
Section 9.5.    Notice of Default . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    43
Section 9.6.    Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    43

Section 10.     Change in Circumstances . . . . . . . . . . . . . . . . . . . . . . . . . . . .    43
Section 10.1.   Change of Law . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    43
Section 10.2.   Unavailability of Deposits or Inability to Ascertain, or Inadequacy of, LIBOR .    44
Section 10.3.   Increased Cost and Reduced Return . . . . . . . . . . . . . . . . . . . . . . .    44
Section 10.4.   Lending Offices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    45
Section 10.5.   Discretion of Lender as to Manner of Funding. . . . . . . . . . . . . . . . . .    45

Section 11.     The Administrative Agent. . . . . . . . . . . . . . . . . . . . . . . . . . . .    46
Section 11.1.   Appointment and Authorization of Administrative Agent . . . . . . . . . . . . .    46
Section 11.2.   Administrative Agent and its Affiliates . . . . . . . . . . . . . . . . . . . .    46

                                        ii
<PAGE>
Section 11.3.   Action by Administrative Agent. . . . . . . . . . . . . . . . . . . . . . . . .    46
Section 11.4.   Consultation with Experts . . . . . . . . . . . . . . . . . . . . . . . . . . .    46
Section 11.5.   Liability of Administrative Agent; Credit Decision. . . . . . . . . . . . . . .    47
Section 11.6.   Indemnity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    47
Section 11.7.   Resignation of Administrative Agent and Successor Administrative Agent. . . . .    47
Section 11.8.   L/C Issuer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    48
Section 11.9.   Hedging Liability and Funds Transfer and Deposit Account Liability Arrangements    48
Section 11.10.  Designation of Additional Agents. . . . . . . . . . . . . . . . . . . . . . . .    48

Section 12.     The Guarantees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    48
Section 12.1.   The Guarantees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    48
Section 12.2.   Guarantee Unconditional . . . . . . . . . . . . . . . . . . . . . . . . . . . .    49
Section 12.3.   Discharge Only upon Payment in Full; Reinstatement in Certain Circumstances . .    50
Section 12.4.   Subrogation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    50
Section 12.5.   Waivers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    50
Section 12.6.   Limit on Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    50
Section 12.7.   Stay of Acceleration. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    50
Section 12.8.   Benefit to Guarantors . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    50
Section 12.9.   Guarantor Covenants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    51

Section 13.     Miscellaneous . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    51
Section 13.1.   Withholding Taxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    51
Section 13.2.   No Waiver, Cumulative Remedies. . . . . . . . . . . . . . . . . . . . . . . . .    52
Section 13.3.   Non-Business Days . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    52
Section 13.4.   Documentary Taxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    52
Section 13.5.   Survival of Representations . . . . . . . . . . . . . . . . . . . . . . . . . .    52
Section 13.6.   Survival of Indemnities . . . . . . . . . . . . . . . . . . . . . . . . . . . .    52
Section 13.7.   Sharing of Set-Off. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    52
Section 13.8.   Notices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    53
Section 13.9.   Counterparts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    53
Section 13.10.  Successors and Assigns. . . . . . . . . . . . . . . . . . . . . . . . . . . . .    53
Section 13.11.  Participants. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    53
Section 13.12.  Assignments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    54
Section 13.13.  Amendments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    55
Section 13.14.  Headings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    55
Section 13.15.  Costs and Expenses; Indemnification . . . . . . . . . . . . . . . . . . . . . .    55
Section 13.16.  Set-off . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    56
Section 13.17.  Currency. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    56
Section 13.18.  Entire Agreement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    57
Section 13.19.  Governing Law . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    57
Section 13.20.  Severability of Provisions. . . . . . . . . . . . . . . . . . . . . . . . . . .    57
Section 13.21.  Excess Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    57
Section 13.22.  Lender's Obligations Several. . . . . . . . . . . . . . . . . . . . . . . . . .    57
Section 13.23.  Submission to Jurisdiction; Waiver of Jury Trial. . . . . . . . . . . . . . . .    58

Signature  Page . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    59
</TABLE>

Exhibit  A     -     Notice  of  Payment  Request
Exhibit  B     -     Notice  of  Borrowing
Exhibit  C     -     Notice  of  Continuation/Conversion

                                        iii
<PAGE>
Exhibit  D-1   -     Revolving  Note
Exhibit  D-2   -     Swing  Note
Exhibit  E     -     Compliance  Certificate
Exhibit  F     -     Additional  Guarantor  Supplement
Exhibit  G     -     Assignment  and  Acceptance
Exhibit  H     -     Liquidity  Certificate
Schedule  1    -     Commitments
Schedule  6.2  -     Subsidiaries

                                        iv
<PAGE>

                                CREDIT AGREEMENT

     This  Credit  Agreement  is  entered into as of April 3, 2002, by and among
Racing Champions, Inc., an Illinois corporation ("RCI"), Racing Champions South,
Inc.,  a North Carolina corporation ("RCS"), Racing Champions Worldwide Limited,
a  corporation  organized under the laws of the United Kingdom ("RCWL"; RCI, RCS
and RCWL being referred to collectively as the "Borrowers" and individually as a
"Borrower"),  Racing  Champions  Ertl  Corporation  (formerly  known  as  Racing
Champions  Corporation), a Delaware corporation, as a Guarantor (the "Company"),
the  direct  and indirect Domestic Subsidiaries of the Company from time to time
party  to this Agreement, as Guarantors, the several financial institutions from
time  to  time party to this Agreement, as Lenders, and Harris Trust and Savings
Bank,  as  Administrative  Agent  as provided herein. All capitalized terms used
herein  without definition shall have the same meanings herein as such terms are
defined  in  Section  5.1  hereof.

                              PRELIMINARY STATEMENT

     The  Borrowers  have  requested,  and  the  Lenders  have agreed to extend,
certain  credit  facilities  on  the  terms  and  conditions  of this Agreement.

     Now, Therefore, in consideration of the mutual agreements contained herein,
and  other good and valuable consideration, the receipt and sufficiency of which
are  hereby  acknowledged,  the  parties  hereto  hereby  agree  as  follows:

Section  1.     The  Credit  Facilities.

     Section  1.1.     Revolving  Credit  Commitments.  Subject to the terms and
conditions  hereof,  each  Lender, by its acceptance hereof, severally agrees to
make  a  loan  or  loans  (individually  a "Revolving Loan" and collectively the
"Revolving  Loans")  in  U.S. Dollars and Alternative Currencies to any Borrower
from  time  to  time  on  a revolving basis in an aggregate outstanding Original
Dollar  Amount  up  to  the  amount  of such Lender's Commitment, subject to any
reductions  thereof  pursuant  to the terms hereof, before the Termination Date.
Neither  the  Original  Dollar  Amount  nor  the  U.S.  Dollar Equivalent of the
aggregate  principal  amount of Revolving Loans, Swing Loans and L/C Obligations
at  any  time  outstanding  shall exceed the Commitments in effect at such time.
Each  Borrowing  of  Revolving  Loans  shall  be  made ratably by the Lenders in
proportion  to  their  respective  Percentages.  As  provided  in Section 1.5(a)
hereof, RCI, on behalf of the applicable Borrower, may elect that each Borrowing
of  Revolving  Loans  denominated  in  U.S. Dollars be either Base Rate Loans or
Eurodollar  Loans.  All  Revolving  Loans denominated in an Alternative Currency
shall  be  Eurodollar  Loans.  Revolving  Loans  may be repaid and the principal
amount  thereof reborrowed before the Termination Date, subject to the terms and
conditions  hereof.

     Section  1.2.     Letters  of  Credit.  (a)  General Terms.  Subject to the
terms  and  conditions  hereof,  as part of the Revolving Credit, the L/C Issuer
shall  issue  standby  letters  of  credit  (each  a "Letter of Credit") for the
account of the applicable Borrower in an aggregate undrawn face amount up to the
L/C Sublimit.  Each Letter of Credit shall be issued by the L/C Issuer, but each
Lender  shall  be  obligated  to  reimburse  the  L/C  Issuer  for such Lender's
Percentage  of  the  amount  of  each  drawing thereunder and, accordingly, each
Letter  of  Credit  shall  constitute usage of the Commitment of each Lender pro
rata  in  an  amount  equal  to  its  Percentage  of  the  L/C  Obligations then
outstanding.

     (b)     Applications.  At  any  time  before  the Termination Date, the L/C
Issuer shall, at the request of RCI, which is acting on behalf of the Borrowers,
issue  one  or more Letters of Credit in U.S. Dollars, in a form satisfactory to
the  L/C  Issuer,  with  expiration dates no later than the earlier of 12 months
from  the  date  of  issuance  (or which are cancelable not later than 12 months

<PAGE>
from  the date of issuance and each renewal) or 30 days prior to the Termination
Date,  in  an  aggregate  face amount as set forth above, upon the receipt of an
application  duly executed by RCI, on behalf of the applicable Borrower, for the
relevant  Letter  of  Credit  in the form then customarily prescribed by the L/C
Issuer  for  the  Letter  of  Credit  requested  (each  an  "Application").
Notwithstanding  anything contained in any Application to the contrary:  (i) the
Borrowers  shall  pay fees in connection with each Letter of Credit as set forth
in  Section 2.1 hereof, (ii) except as otherwise provided in Section 1.8 hereof,
before  the  occurrence of a Default or an Event of Default, the L/C Issuer will
not call for the funding by the Borrowers of any amount under a Letter of Credit
before being presented with a drawing thereunder, and (iii) if the L/C Issuer is
not  timely reimbursed for the amount of any drawing under a Letter of Credit on
the  date  such  drawing is paid, the Borrowers' obligation to reimburse the L/C
Issuer  for  the amount of such drawing shall bear interest (which the Borrowers
hereby  jointly  and  severally  promise  to  pay)  from and after the date such
drawing is paid at a rate per annum equal to the sum of 2.0% plus the Applicable
Margin  plus the Base Rate from time to time in effect (computed on the basis of
a  year  of  365  or 366 days, as the case may be, and the actual number of days
elapsed).  If the L/C Issuer issues any Letter of Credit with an expiration date
that  is  automatically  extended  unless  the  L/C Issuer gives notice that the
expiration  date  will  not so extend beyond its then scheduled expiration date,
unless  the  Required  Lenders instruct the L/C Issuer otherwise, the L/C Issuer
will  give  such notice of non-renewal before the time necessary to prevent such
automatic  extension  if  before  such required notice date:  (i) the expiration
date  of  such  Letter  of  Credit if so extended would be after the Termination
Date, (ii) the Commitments have been termi-nated, or (iii) a Default or an Event
of  Default  exists  and  the  Administrative  Agent, at the request or with the
consent of the Required Lenders, has given the L/C Issuer instructions not to so
permit  the  extension of the expiration date of such Letter of Credit.  The L/C
Issuer  agrees  to  issue  amendments  to the Letter(s) of Credit increasing the
amount,  or  extending  the  expiration  date, thereof at the request of RCI, on
behalf  of the applicable Borrower subject to the conditions of Section 7 hereof
and  the  other  terms  of  this  Section  1.2.

     (c)     The  Reimbursement  Obligations.  Subject to Section 1.2(b) hereof,
the  obligation  of  the  Borrowers to reimburse the L/C Issuer for all drawings
under  a  Letter of Credit (a "Reim-burse-ment Obligation") shall be governed by
the  Application  related  to  such  Letter of Credit, except that reimbursement
shall  be  made by no later than 12:00 Noon (Chicago time) on the date when each
drawing  is  to  be  paid,  in immediately available funds at the Administrative
Agent's  principal  office  in  Chicago,  Illinois  or  such other office as the
Administrative  Agent  may  designate in writing to the applicable Borrower (who
shall  thereafter  cause  to  be distributed to the L/C Issuer such amount(s) in
like  funds).  If  the  applicable Borrower does not make any such reimbursement
payment  on the date due and the Participating Lenders fund their participations
therein  in  the  manner  set  forth  in Section 1.2(d) below, then all payments
thereafter  received  by  the  Administrative  Agent  in discharge of any of the
relevant  Reimbursement  Obligations  shall  be  distributed  in accordance with
Section  1.2(d)  below.

     (d)     The  Participating  Interests.  Each  Lender (other than the Lender
acting  as  L/C  Issuer  in  issuing  the  relevant  Letter  of  Credit), by its
acceptance hereof, severally agrees to purchase from the L/C Issuer, and the L/C
Issuer  hereby agrees to sell to each such Lender (a "Participating Lender"), an
undivided percentage participating interest (a "Participating Interest"), to the
extent  of  its  Percentage,  in  each  Letter  of  Credit  issued  by, and each
Reimbursement  Obligation  owed  to,  the  L/C  Issuer.  Upon  any  failure by a
Borrower  to  pay any Reimburse-ment Obligation at the time required on the date
the  related  drawing is to be paid, as set forth in Section 1.2(c) above, or if
the  L/C  Issuer  is  required  at  any  time  to return to any Borrower or to a
trustee,  receiver,  liquidator,  custodian  or  other Person any portion of any
payment  of  any  Reimbursement Obligation, each Participating Lender shall, not
later  than  the Business Day it receives a certificate in the form of Exhibit A
hereto  from  the  L/C  Issuer (with a copy to the Administrative Agent) to such
effect,  if such certificate is received before 1:00 p.m. (Chicago time), or not
later  than  1:00  p.m.  (Chicago  time)  the  following  Business  Day, if such

                                        2
<PAGE>
certificate is received after such time, pay to the Administrative Agent for the
account  of  the  L/C  Issuer  an  amount  equal  to such Participating Lender's
Percentage  of such unpaid or recap-tured Reimbursement Obligation together with
interest  on  such  amount accrued from the date the related payment was made by
the  L/C  Issuer  to  the date of such payment by such Participating Lender at a
rate  per annum equal to:  (i) from the date the related payment was made by the
L/C  Issuer  to  the  date two Business Days after payment by such Participating
Lender  is due hereunder, the Federal Funds Rate for each such day and (ii) from
the  date  two  Business  Days  after  the  date  such  payment is due from such
Participating  Lender  to  the  date  such payment is made by such Participating
Lender,  the  Base  Rate  in  effect for each such day.  Each such Participating
Lender  shall  thereafter  be entitled to receive its Percentage of each payment
received  in  respect  of  the relevant Reimbursement Obligation and of interest
paid  thereon,  with the L/C Issuer retaining its Percentage thereof as a Lender
hereunder.

     The  several  obligations  of  the  Participating Lenders to the L/C Issuer
under  this  Section  1.2 shall be absolute, irrevocable and unconditional under
any  and  all  circumstances whatsoever and shall not be subject to any set-off,
counterclaim  or  defense  to payment which any Participating Lender may have or
have  had  against  any  Borrower, the L/C Issuer, the Administrative Agent, any
Lender  or  any  other Person whatsoever. Without limiting the generality of the
foregoing,  such  obligations  shall  not be affected by any Default or Event of
Default  or by any reduction or termination of the Commitment of any Lender, and
each  payment  by  a  Participating  Lender under this Section 1.2 shall be made
without  any  offset,  abatement,  withholding  or  reduction  whatsoever.

     (e)     Indemnification.  The Participating Lenders shall, to the extent of
their  respective  Percentages,  indemnify  the  L/C  Issuer  (to the extent not
reimbursed  by  the  applicable  Borrower)  against any cost, expense (including
reasonable  counsel  fees  and  disbursements),  claim,  demand, action, loss or
liability  (except  such  as  result  from  the L/C Issuer's gross negligence or
willful  misconduct)  that the L/C Issuer may suffer or incur in connection with
any Letter of Credit issued by it.  The obligations of the Participating Lenders
under  this Section 1.2(e) and all other parts of this Section 1.2 shall survive
termination  of  this  Agreement and of all Applications, Letters of Credit, and
all drafts and other documents presented in connection with drawings thereunder.

     (f)     Manner  of  Requesting  a  Letter of Credit.  RCI, on behalf of the
applicable  Borrower, shall provide at least five Business Days' advance written
notice  to the Administrative Agent of each request for the issuance of a Letter
of Credit, such notice in each case to be accompanied by an Application for such
Letter  of  Credit  properly  completed  and  executed  by RCI, on behalf of the
applicable  Borrower  and,  in  the  case  of an extension or an increase in the
amount  of  a Letter of Credit, a written request therefor, in a form acceptable
to  the Administrative Agent and the L/C Issuer, in each case, together with the
fees  called  for  by  this  Agreement.  The Administrative Agent shall promptly
notify  the L/C Issuer of the Administrative Agent's receipt of each such notice
and  the  L/C  Issuer  shall  promptly  notify  the Administrative Agent and the
Lenders  of  the  issuance  of  the  Letter  of  Credit  so  requested.

     Section  1.3.     Applicable  Interest  Rates.  (a)  Base Rate Loans.  Each
Base  Rate  Loan  made or maintained by a Lender shall bear interest during each
Interest Period it is outstanding (computed on the basis of a year of 365 or 366
days,  as  the case may be, and the actual days elapsed) on the unpaid principal
amount  thereof  from  the  date  such Loan is advanced, continued or created by
conversion  from  a  Eurodollar  Loan until maturity (whether by acceleration or
otherwise)  at  a  rate per annum equal to the sum of the Applicable Margin plus
the  Base  Rate  from  time  to  time  in effect, payable on the last day of its
Interest  Period  and  at  maturity  (whether  by  acceleration  or  otherwise).

                                        3
<PAGE>
     (b)     Eurodollar  Loans.  Each  Eurodollar  Loan  made or maintained by a
Lender  shall  bear  interest  during  each  Interest  Period  it is outstanding
(computed  on  the  basis  of a year of 360 days and actual days elapsed) on the
unpaid  principal  amount thereof from the date such Loan is advanced, continued
or  created  by  conversion  from  a  Base  Rate Loan until maturity (whether by
acceleration  or  otherwise)  at  a  rate  per  annum  equal  to  the sum of the
Applicable  Margin  plus the Adjusted LIBOR applicable for such Interest Period,
payable  on  the  last  day  of  the Interest Period and at maturity (whether by
acceleration  or  otherwise),  and,  if the applicable Interest Period is longer
than  three  months,  on  each  day  occurring  every  three  months  after  the
commencement  of  such  Interest  Period.

     (c)     Alternative  Currency.  On  the date RCI, on behalf of the relevant
Borrower, requests a Borrowing of Eurodollar Loans denominated in an Alternative
Currency,  as  provided  in Section 1.5(a) below, the Administrative Agent shall
promptly  notify  each  Lender.  If  a  Lender  determines that such Alternative
Currency  is  not available to it in sufficient amount and for a sufficient term
to  enable  it  to  advance or continue the Loan requested of it as part of such
Borrowing  and  so  notifies  the  Administrative  Agent no later than 1:00 p.m.
(Chicago  time) on the same day it receives notice from the Administrative Agent
of  such requested Loan, the Administrative Agent shall so notify RCI, on behalf
of the relevant Borrower, by 1:45 p.m. (Chicago time).  If the relevant Borrower
nevertheless  desires  such  Borrowing,  RCI, on behalf of the relevant Borrower
must  notify  the Administrative Agent by no later than 3:00 p.m. (Chicago time)
on such day.  If the Administrative Agent does not receive such notice from RCI,
on  behalf  of  the relevant Borrower, by 3:00 p.m. (Chicago time), the relevant
Borrower  shall  automatically  be  deemed  to have revoked its request for such
Borrowing  and the Administrative Agent will promptly notify the Lenders of such
revocation.  If  RCI,  on behalf of the relevant Borrower, does give such notice
by  3:00 p.m. (Chicago time), each Lender that did not notify the Administrative
Agent  by  1:00  p.m.  (Chicago time) that the requested Alternative Currency is
unavailable to it to fund the requested Loan shall, subject to Section 7 hereof,
make  its  Loan in the requested Alternative Currency in accordance with Section
1.5(d)  hereof;  provided,  however,  that in the event that a Lender or Lenders
shall  exercise  this option (each, an "Unavailable Lender"), the Borrowers may,
but  shall not be obligated to, at any time within 90 days of such exercise with
the  consent  of  the  Administrative  Agent  but  without  the  consent  of any
Unavailable  Lenders  (i)  terminate  the Commitment of each Unavailable Lender,
(ii)  obtain  a  new Lender or Lenders pursuant to the assignment provisions set
forth  in  Section  13.12  hereof  (except  with  regard  to  the minimum amount
requirements  set  forth  in  clauses (i) and (ii) of the first sentence of such
Section)  to  effect  the  assignment  to  such  new  Lender  or Lenders of each
Unavailable  Lender's  interests,  rights  and  obligations under this Agreement
(including  without  limitation  all  of such Unavailable Lender's Commitment as
well  as  its  portion  of  all  outstanding  Loans  and  the  Note held by such
Unavailable  Lender)  and  the  other  Loan  Documents  and/or  to  increase the
Commitment  of  one  or more existing Lenders, in each case so that after giving
effect  thereto  the  Commitments  shall  be in the same amounts as prior to the
events  described  in  this  paragraph,  (iii) repay in full to each Unavailable
Lender  all  outstanding  Loans  (including  accrued  interest  thereon) and L/C
Obligations  at  the  time  of  the assignment and/or increase in the Commitment
described  in  clause (ii) above with the proceeds of Loans made by such Persons
who  are  to  become Lenders by assignment or with the proceeds of Loans made by
Lenders  who  have  agreed  to  increase  their  Commitment and (iv) pay to each
Unavailable  Lender  all  fees  and  other  compensation  due  and  owing  such
Unavailable  Lender  under  the  terms  of  this  Agreement  and  the other Loan
Documents; provided further that if the Borrowers choose to exercise their right
to  replace  an  Unavailable Lender, the Borrowers, the Administrative Agent and
the  Lender which replaces the Unavailable Lender shall execute such instruments
and  documents  as  shall,  in  the  opinion  of  the  Administrative  Agent, be
reasonably  necessary in order to effect such replacement.  Each Lender that did
so notify the Administrative Agent by 1:00 p.m. (Chicago time) that it would not
be  able  to make the Loan requested from it shall, subject to Section 7 hereof,
make a Eurodollar Loan denominated in U.S. Dollars in the Original Dollar Amount
of,  and  with  the same Interest Period as, the Eurodollar Loan such Lender was
originally  requested

                                        4
<PAGE>
to  make.  Such Eurodollar Loan denominated in U.S. Dollars shall be made by the
affected Lender on the same day as the other Lenders make their Eurodollar Loans
denominated  in  the  applicable  Alternative  Currency  as part of the relevant
Borrowing  of  Eurodollar  Loans,  but shall bear interest with reference to the
Adjusted  LIBOR  applicable to U.S. Dollars rather than the relevant Alternative
Currency  for  the  applicable  Interest  Period  and shall be made available in
accordance  with  the  procedures for disbursing U.S. Dollar Loans under Section
1.5(d) hereof.  Any Eurodollar Loan denominated in an Alternative Currency shall
be advanced in such currency, and all payments of principal and interest thereon
shall  be  made  in  such  Alternative  Currency.

     (d)     Rate Determinations.  The Administrative Agent shall determine each
interest  rate  applicable  to  the  Loans  and  the  Reimbursement  Obligations
hereunder  and the Original Dollar Amount of Loans denominated in an Alternative
Currency,  and  its determination thereof shall be conclusive and binding except
in  the  case  of manifest error.  The Original Dollar Amount of each Eurodollar
Loan denominated in an Alternative Currency shall be determined or redetermined,
as  applicable, effective as of the first day of each Interest Period applicable
to  such  Loan.

     Section 1.4.     Minimum Borrowing Amounts; Maximum Eurodollar Loans.  Each
Borrowing  of  Base  Rate  Loans shall be in an amount not less than $250,000 or
such greater amount which is an integral multiple of $50,000.  Each Borrowing of
Eurodollar Loans advanced, continued or converted shall be in an amount not less
than  an  Original Dollar Amount of $1,500,000 and, if greater, shall be in such
integral  multiple  as  would  have  the  Original  Dollar  Amount  most closely
approximating $100,000.  Without the Administrative Agent's consent, there shall
not  be more than five Borrowings of Eurodollar Loans under the Revolving Credit
outstanding  at  any  one  time.

     Section  1.5.     Manner  of  Borrowing  Loans  and  Designating Applicable
Interest  Rates.  (a)  Notice  to  the  Administrative Agent.  RCI, on behalf of
itself  or  any other Borrower, shall give notice to the Administrative Agent by
no later than:  (i) 12:00 Noon (Chicago time) at least four Business Days before
the  date on which RCI on behalf of the applicable Borrower requests the Lenders
to  advance  a  Borrowing  of  Eurodollar  Loans  denominated  in an Alternative
Currency, (ii) 12:00 Noon (Chicago time) at least three Business Days before the
date  on  which RCI on behalf of the applicable Borrower requests the Lenders to
advance  a  Borrowing  of Eurodollar Loans denominated in U.S. Dollars and (iii)
11:00  a.m.  (Chicago time) on the date RCI on behalf of the applicable Borrower
requests  the  Lenders  to  advance  a  Borrowing of Base Rate Loans.  The Loans
included  in  each  Borrowing  shall bear interest initially at the type of rate
specified  in such notice of a new Borrowing.  Thereafter, RCI, on behalf of the
applicable  Borrower, may from time to time elect to change or continue the type
of  interest  rate  borne  by  each  Borrowing or, subject to the minimum amount
requirement  contained  in Section 1.4 for each outstanding Borrowing, a portion
thereof,  as follows:  (i) if such Borrowing is of Eurodollar Loans, on the last
day  of the Interest Period applicable thereto, RCI, on behalf of the applicable
Borrower, may (subject to the notice requirement set forth herein) continue part
or  all  of  such  Borrowing  as Eurodollar Loans or, if such Eurodollar Loan is
denominated  in  U.S.  Dollars,  convert part or all of such Borrowing into Base
Rate Loans or (ii) if such Borrowing is of Base Rate Loans, on any Business Day,
RCI,  on behalf of itself or the applicable Borrower, may (subject to the notice
requirement  set  forth  herein)  convert  all  or  part  of such Borrowing into
Eurodollar Loans for an Interest Period or Interest Periods specified by RCI, on
behalf  of  itself  or the applicable Borrower.  RCI, on behalf of itself or the
applicable  Borrower  shall  give  all  such  notices  requesting  the  advance,
continuation  or  conversion  of  a  Borrowing  to  the  Administrative Agent by
telephone  or  telecopy (which notice shall be irrevocable once given and, if by
telephone,  shall  be  promptly confirmed in writing), substantially in the form
attached  hereto  as  Exhibit  B  (Notice  of Borrowing) or Exhibit C (Notice of
Continuation/Conversion), as applicable, or in such other form acceptable to the
Administrative  Agent.  Notice  of the continuation of a Borrowing of Eurodollar
Loans  denominated  in  U.S. Dollars for an additional Interest Period or of the

                                        5
<PAGE>
conversion of part or all of a Borrowing of Eurodollar Loans denominated in U.S.
Dollars  into  Base  Rate  Loans  or  of  Base  Rate Loans into Eurodollar Loans
denominated  in  U.S. Dollars must be given by no later than 12:00 Noon (Chicago
time) at least three Business Days before the date of the requested continuation
or  conversion.  Notice  of  the continuation of a Borrowing of Eurodollar Loans
denominated  in  an Alternative Currency for an additional Interest Period or of
the  conversion of part or all of a Borrowing of Eurodollar Loans denominated in
an  Alternative  Currency  into  Base  Rate  Loans  or  of  Base Rate Loans into
Eurodollar  Loans  denominated in an Alternative Currency must be given no later
than  12:00 Noon (Chicago time) at least four Business Days before the requested
continuation  or  conversion.  All  such  notices  concerning  the  advance,
continuation  or  conversion  of  a  Borrowing  shall  specify  the  date of the
requested  advance,  continuation or conversion of a Borrowing (which shall be a
Business  Day),  the amount of the requested Borrowing to be advanced, continued
or  converted,  the  type  of Loans to comprise such new, continued or converted
Borrowing  and,  if  such  Borrowing is to be comprised of Eurodollar Loans, the
currency  and  Interest Period applicable thereto.  The Borrowers agree that the
Administrative Agent may rely on any such telephonic or telecopy notice given by
any  person  the  Administrative  Agent  in good faith believes is an Authorized
Representative of RCI without the necessity of independent investigation and, in
the  event any such notice by telephone conflicts with any written confirmation,
such  telephonic  notice  shall  govern if the Administrative Agent has acted in
reliance  thereon.

     (b)     Notice  to the Lenders.  The Administrative Agent shall give prompt
telephonic  or  telecopy  notice  to each Lender of any notice from RCI received
pursuant  to  Section  1.5(a)  above and, if such notice requests the Lenders to
make  Eurodollar  Loans,  the  Administrative Agent shall give notice to RCI and
each  Lender  by  like  means of the interest rate applicable thereto, and, with
respect to Eurodollar Loans denominated in an Alternative Currency, the Original
Dollar Amount thereof, in each case, promptly after the Administrative Agent has
made  such  determinations.

     (c)     RCI's  Failure  to Notify; Automatic Continuations and Conversions.
Any  outstanding  Borrowing  of Base Rate Loans shall automatically be continued
for  an  additional Interest Period on the last day of its then current Interest
Period  unless RCI, on behalf of itself or the applicable Borrower, has notified
the  Administrative Agent within the period required by Section 1.5(a) that such
Borrower  intends to convert such Borrowing, subject to Section 7.1 hereof, into
a  Borrowing of Eurodollar Loans or such Borrowing is prepaid in accordance with
Section  1.8(a).  If  RCI, on behalf of itself or the applicable Borrower, fails
to  give  notice  pursuant  to  Section  1.5(a)  above  of  the  continuation or
conversion  of  any  outstanding  principal  amount of a Borrowing of Eurodollar
Loans  denominated  in  U.S.  Dollars  before  the  last day of its then current
Interest  Period within the period required by Section 1.5(a) or, whether or not
such  notice  has  been  given,  if  one  or more of the conditions set forth in
Section  7.1  for  the  continuation  or conversion of a Borrowing of Eurodollar
Loans  would  not  be satisfied, and such Borrowing is not prepaid in accordance
with  Section  1.8(a),  such  Borrowing  shall automatically be converted into a
Borrowing  of  Base  Rate  Loans.  If RCI, on behalf of itself or the applicable
Borrower,  fails  to  give  notice  pursuant  to  Section  1.5(a)  above  of the
continuation  of  any  outstanding principal amount of a Borrowing of Eurodollar
Loans  denominated  in  an  Alternative Currency before the last day of its then
current  Interest  Period  within  the  period  required by Section 1.5(a), such
Borrowing shall automatically be continued as a Borrowing of Eurodollar Loans in
the  same  Alternative  Currency  with  an  Interest  Period of one month if the
conditions  set  forth  in  Section  7.1  for  the continuation or conversion of
Eurodollar  Loans  would  be satisfied, but if one or more of the conditions set
forth  in  Section  7.1  for  the  continuation  or conversion of a Borrowing of
Eurodollar  Loans  would  not be satisfied, and such Borrowing is not prepaid in
accordance  with  Section  1.8(a),  then  such  Borrowing shall automatically be
converted  into  a  Borrowing  of  Base  Rate  Loans.

                                        6
<PAGE>
     (d)     Disbursement  of Loans.  Not later than 1:00 p.m. (Chicago time) on
the  date  of  any  requested  advance  of a new Borrowing, subject to Section 7
hereof,  each  Lender  shall  make  available  its  Loan comprising part of such
Borrowing  in  funds  immediately  available  at  the  principal  office  of the
Administrative  Agent  in  Chicago,  Illinois  except  that if such Borrowing is
denominated  in  an  Alternative  Currency each Lender shall, subject to Section
1.5(c)  and Section 7, make available its Loan comprising part of such Borrowing
at  such office as the Administrative Agent has previously specified in a notice
to  each  Lender,  in  such  funds  as  are then customary for the settlement of
international transactions in such currency and no later than such local time as
is  necessary  for  such  funds  to  be received and transferred to the relevant
Borrower  for  same  day value on the date of the Borrowing.  The Administrative
Agent  shall make the proceeds of each new Borrowing denominated in U.S. Dollars
available  to  the  relevant  Borrower  at  the Administrative Agent's principal
office  in  Chicago,  Illinois and each new Borrowing denominated in Alternative
Currencies  at  such office as the Administrative Agent has previously agreed to
with  the  Borrowers,  in  each  case,  in  the  type  of  funds received by the
Administrative  Agent  from  the  Lenders.

     (e)     Administrative  Agent  Reliance  on  Lender  Funding.  Unless  the
Administrative  Agent  shall have been notified by a Lender prior to (or, in the
case of a Borrowing of Base Rate Loans, by 1:00 p.m. (Chicago time) on) the date
on which such Lender is scheduled to make payment to the Administrative Agent of
the  proceeds of a Loan (which notice shall be effective upon receipt) that such
Lender does not intend to make such payment, the Administrative Agent may assume
that such Lender has made such payment when due and the Administrative Agent may
in  reliance  upon such assumption (but shall not be required to) make available
to  the  applicable  Borrower the proceeds of the Loan to be made by such Lender
and,  if  any  Lender  has  not  in fact made such payment to the Administrative
Agent,  such Lender shall, on demand, pay to the Administrative Agent the amount
made  available  to the applicable Borrower attributable to such Lender together
with interest thereon in respect of each day during the period commencing on the
date  such  amount  was  made available to the applicable Borrower and ending on
(but  excluding)  the  date  such  Lender pays such amount to the Administrative
Agent  at  a rate per annum equal to:  (i) from the date the related advance was
made  by the Administrative Agent to the date two Business Days after payment by
such  Lender is due hereunder, the Federal Funds Rate (or, in the case of a Loan
denominated  in an Alternative Currency, the cost to the Administrative Agent of
funding  the amount it advanced to fund such Lender's Loan, as determined by the
Administrative Agent) for each such day and (ii) from the date two Business Days
after  the date such payment is due from such Lender to the date such payment is
made  by such Lender, the Base Rate in effect for each such day.  If such amount
is  not  received  from such Lender by the Administrative Agent immediately upon
demand,  the  applicable  Borrower  will, on demand, repay to the Administrative
Agent the proceeds of the Loan attributable to such Lender with interest thereon
at  a rate per annum equal to the interest rate applicable to the relevant Loan,
but  without  such  payment  being  considered a payment or prepayment of a Loan
under  Section  1.11  hereof  so that such Borrower will have no liability under
such  Section  with  respect  to  such  payment.

     Section  1.6.     Interest  Periods.  As provided in Section 1.5(a) hereof,
at  the  time  of  each  request  to advance, continue or create by conversion a
Borrowing  of  Eurodollar Loans or Swing Loans, RCI, on behalf of the applicable
Borrower,  shall  select  an Interest Period applicable to such Loans from among
the  available  options.  The term "Interest Period" means the period commencing
on the date a Borrowing of Loans is advanced, continued or created by conversion
and ending:  (a) in the case of Base Rate Loans, on the last day of the calendar
quarter  (i.e.,  the  last  day  of  March,  June,  September  or  December,  as
applicable)  in  which  such  Borrowing  is  advanced,  continued  or created by
conversion (or on the last day of the following calendar quarter if such Loan is
advanced,  continued  or  created  by  conversion  on the last day of a calendar
quarter),  (b)  in  the case of a Eurodollar Loan, one, two, three or six months
thereafter,  and  (c)  in

                                        7
<PAGE>
the  case  of  a Swing Loan, on the date one to five days thereafter as mutually
agreed  to  by  RCI, on behalf of the applicable Borrower and the Administrative
Agent;  provided,  however,  that:

          (a)  any  Interest  Period for a Borrowing of Loans consisting of Base
     Rate Loans that otherwise would end after the Termination Date shall end on
     the  Termination  Date;

          (b)  no  Interest  Period  with  respect  to  any portion of the Loans
     consisting  of  Eurodollar  Loans shall extend beyond the Termination Date;

          (c)  no  Interest  Period  with  respect  to  any portion of the Loans
     consisting  of  Eurodollar  Loans  shall  extend beyond a date on which the
     Borrowers  are  required  to  make  a scheduled payment of principal on the
     Loans,  unless  the sum of (a) the aggregate principal amount of Loans that
     are  Base  Rate Loans plus (b) the aggregate principal amount of Loans that
     are  Eurodollar Loans with Interest Periods expiring on or before such date
     equals  or  exceeds  the  principal  amount to be paid on the Loans on such
     payment  date;

          (d)  whenever the last day of any Interest Period would otherwise be a
     day  that is not a Business Day, the last day of such Interest Period shall
     be  extended  to  the  next succeeding Business Day, provided that, if such
     extension would cause the last day of an Interest Period for a Borrowing of
     Eurodollar  Loans to occur in the following calendar month, the last day of
     such  Interest  Period shall be the immediately preceding Business Day; and

          (e)  for purposes of determining an Interest Period for a Borrowing of
     Eurodollar  Loans, a month means a period starting on one day in a calendar
     month  and ending on the numerically corresponding day in the next calendar
     month; provided, however, that if there is no numerically corresponding day
     in  the  month  in  which  such  an Interest Period is to end or if such an
     Interest  Period  begins on the last Business Day of a calendar month, then
     such  Interest  Period  shall  end on the last Business Day of the calendar
     month  in  which  such  Interest  Period  is  to  end.

     Section  1.7.     Maturity  of  Loans.  Each  Loan,  both for principal and
interest,  shall mature and become due and payable by the Borrowers, jointly and
severally,  on  the  Termination  Date.

     Section  1.8.     Prepayments.  (a) Optional.  The Borrowers shall have the
privilege  of  prepaying  without  premium  or  penalty  (except as set forth in
Section 1.11 below) and in whole or in part (but, if in part, then:  (i) if such
Borrowing  is  of  Base Rate Loans, in an amount not less than $500,000, (ii) if
such  Borrowing is of Eurodollar Loans denominated in U.S. Dollars, in an amount
not  less  than  $1,000,000,  (iii)  if  such  Borrowing  is of Eurodollar Loans
denominated  in  an Alternative Currency, in an amount for which the U.S. Dollar
Equivalent  is not less than $1,000,000 and (iv) in each case, in an amount such
that  the minimum amount required for a Borrowing pursuant to Section 1.4 hereof
remains  outstanding)  any  Borrowing  of  Eurodollar Loans at any time upon (x)
three  Business  Days' prior notice (in the case of Eurodollar Loans denominated
in  U.S.  Dollars)  and  (y)  four  Business  Days' prior notice (in the case of
Eurodollar  Loans  denominated  in an Alternative Currency) by RCI, on behalf of
the  Borrowers,  to  the  Administrative Agent or, in the case of a Borrowing of
Base  Rate  Loans,  notice  delivered by RCI, on behalf of the Borrowers, to the
Administrative  Agent  no  later  than  10:00 a.m. (Chicago time) on the date of
prepayment, such prepayment to be made by the payment of the principal amount to
be  prepaid  and,  in  the  case of any Eurodollar Loans or Swing Loans, accrued
interest  thereon  to  the  date  fixed  for prepayment plus any amounts due the
Lenders  under  Section  1.11  hereof.

                                        8
<PAGE>

     (b)     Mandatory.  (i)  Dispositions.  If  the  Company  or any Subsidiary
shall  at  any  time  or  from  time to time make or agree to make a Disposition
resulting  in  Net  Cash  Proceeds  in  excess  of $500,000 individually or on a
cumulative basis in any fiscal year of the Borrowers, then (x) the Company shall
promptly notify the Administrative Agent of such proposed Disposition (including
the  amount  of the estimated Net Cash Proceeds to be received by such Person in
respect  thereof)  and  (y) promptly upon receipt by such Person of the Net Cash
Proceeds  of such Disposition, the Company shall cause such Person to prepay the
Loans  (or  all  outstanding  Loans  and  L/C Obligations if an Event of Default
exists)  in an aggregate amount equal to 100% of the amount of all such Net Cash
Proceeds  and  the  Commitments  shall  be  ratably terminated by a like amount;
provided  that  in  the  case  of each Disposition, if the Company states in its
notice  of  such  event that such Person intends to reinvest, within 360 days of
the  applicable  Disposition, the Net Cash Proceeds thereof in assets similar to
the assets which were subject to such Disposition, then so long as no Default or
Event  of  Default  then  exists,  such  Person  shall not be required to make a
mandatory  prepayment under this Section in respect of such Net Cash Proceeds to
the extent such Net Cash Proceeds are actually reinvested in such similar assets
with  such  360-day period.  Promptly after the end of such 360-day period, such
Person  shall notify the Administrative Agent whether such Person has reinvested
such  Net  Cash Proceeds in such similar assets, and to the extent such Net Cash
Proceeds  have  not  been  so reinvested, the Company shall cause such Person to
promptly  prepay  the  Loans (or all outstanding Loans and L/C Obligations if an
Event  of  Default  exists)  in  the  amount  of  such  Net Cash Proceeds not so
reinvested.  The  amount  of  each such prepayment shall be applied on a ratable
basis  among the relevant outstanding Obligations based on the principal amounts
thereof.

     (ii)     Equity  Issuance.  If  after  the  Closing Date the Company or any
Subsidiary  shall issue new equity securities (whether common or preferred stock
or  otherwise),  other than equity securities issued in connection with employee
stock  purchase  plans,  the  exercise of employee stock options and outstanding
warrants,  and  capital  stock  issued  to the seller of an Acquired Business in
connection  with  an  Acquisition  permitted  hereby, the Company shall promptly
notify  the  Administrative  Agent  of  the  estimated Net Cash Proceeds of such
issuance to be received by or for the account of such Person in respect thereof.
Promptly  upon receipt by such Person of Net Cash Proceeds of such issuance, the
Company  shall  cause  such Person to prepay the Loans (or all outstanding Loans
and  L/C Obligations if an Event of Default exists) in an aggregate amount equal
to  50%  of  the  amount  of such Net Cash Proceeds and the Commitments shall be
ratably  terminated  by a like amount.  The amount of each such prepayment shall
be  applied, on a ratable basis among the relevant outstanding Obligations based
on  the  principal  amounts  thereof.  The Credit Parties acknowledge that their
performance hereunder shall not limit the rights and remedies of the Lenders for
any  breach  of  Section  8.9  hereof  or  any  other  terms  of this Agreement.

     (iii)     Debt  Issuance.  If  after  the  Closing  Date the Company or any
Subsidiary  shall  issue  any  Indebted-ness  for  Borrowed  Money,  other  than
Indebtedness  for  Borrowed  Money  permitted  by Section 8.7(a)-(f) hereof, the
Company shall promptly notify the Administrative Agent of the estimated Net Cash
Proceeds of such issuance to be received by or for the account of such Person in
respect  thereof.  Promptly  upon receipt by such Person of Net Cash Proceeds of
such  issuance,  the Company shall cause such Person to prepay the Loans (or all
outstanding  Loans  and  L/C  Obligations  if  an Event of Default exists) in an
aggregate  amount  equal to 100% of the amount of such Net Cash Proceeds and the
Commitments  shall  be  ratably terminated by a like amount.  The amount of each
such  prepayment  shall  be  applied  on  a  ratable  basis  among  the relevant
outstanding  Obligations  based  on  the  principal amounts thereof.  The Credit
Parties  acknowledge that their performance hereunder shall not limit the rights
and  remedies  of  the Lenders for any breach of Section 8.7 hereof or any other
terms  of  this  Agreement.

                                        9
<PAGE>
     (iv)     Commitment  Terminations.  The  Borrowers  shall, on each date the
Commitments  are reduced pursuant to Section 1.12 hereof, prepay the Loans, and,
if  necessary,  prefund  the L/C Obligations by the amount, if any, necessary to
reduce  the  sum  of the aggregate principal amount of Loans and L/C Obligations
then  outstanding  to  the amount to which the Commitments have been so reduced.

     (v)     Application  of  Prepayments.  Unless  RCI,  on  behalf  of  the
Borrowers,  otherwise  directs,  prepayments  of Loans under this Section 1.8(b)
shall  be  applied  first to Borrowings of Base Rate Loans until payment in full
thereof  with  any  balance  applied to Borrowings of Eurodollar Loans and Swing
Loans  in  the order in which their Interest Periods expire.  Each prepayment of
Loans  under  this  Section 1.8(b) shall be made by the payment of the principal
amount  to  be  prepaid and, in the case of any Eurodollar Loans or Swing Loans,
accrued interest thereon to the date of prepayment together with any amounts due
the Lenders under Section 1.11 hereof.  Each prefunding of L/C Obligations shall
be  made  in  accordance  with  Section  9.4  hereof.

     (c)     Notice; Reborrowing.  The Administrative Agent will promptly advise
each  Lender  of  any  notice of prepayment it receives from the Borrowers.  Any
amount  of Loans paid or prepaid before the Termination Date may, subject to the
terms  and conditions of this Agreement, be borrowed, repaid and borrowed again.

     Section  1.9.     Default  Rate.  Notwithstanding  anything to the contrary
contained  in  Section  1.3  hereof,  while any Event of Default exists or after
acceleration, the Borrowers shall, jointly and severally, pay interest (after as
well  as before entry of judgment thereon to the extent permitted by law) on the
principal  amount  of  all  Loans  owing  by  them at a rate per annum equal to:

          (a) for any Base Rate Loan, the sum of 2.0% plus the Applicable Margin
     plus  the  Base  Rate  from  time  to  time  in  effect;  and

          (b)  for  any Eurodollar Loan denominated in U.S. Dollars or any Swing
     Loan,  the  sum  of 2.0% plus the rate of interest in effect thereon at the
     time  of  such  default  until  the  end  of the Interest Period applicable
     thereto  and, thereafter, at a rate per annum equal to the sum of 2.0% plus
     the  Applicable  Margin for Base Rate Loans plus the Base Rate from time to
     time  in  effect;  and

          (c)  for  any  Eurodollar Loan denominated in an Alternative Currency,
     the  sum  of  2% plus the rate of interest in effect thereon at the time of
     such  default  until the end of the Interest Period applicable thereto and,
     thereafter,  at  a  rate  per  annum  equal  to  the  sum  of 2.0% plus the
     Applicable  Margin for Eurodollar Loans plus the Overnight Foreign Currency
     Rate  from  time  to  time  in  effect;  and

provided, however, that in the absence of acceleration, any adjustments pursuant
to  this  Section  shall  be  made  at the election of the Administrative Agent,
acting  at the request or with the consent of the Required Lenders, with written
notice  to  the  Borrowers.  While  any  Event  of  Default  exists  or  after
acceleration,  interest  shall  be paid on demand of the Administrative Agent at
the  request  or  with  the  consent  of  the  Required  Lenders.

     Section  1.10.     The  Notes.  (a)  The  Revolving  Loans  made  to  the
Borrowers, or any of them, by a Lender shall be evidenced by a single promissory
note  of the Borrowers issued, jointly and severally, to such Lender in the form
of  Exhibit D-1 hereto.  Each such promissory note is hereinafter referred to as
a "Revolving Note" and collectively such promissory notes are referred to as the
"Revolving  Notes."

                                       10
<PAGE>
     (b)     The  Swing  Loans  made  to  the  Borrowers, or any of them, by the
Administrative  Agent  shall  be  evidenced  by  a single promissory note of the
Borrower  issued  to the Administrative Agent in the form of Exhibit D-2 hereto.
Such  promissory  note  is  hereinafter  referred  to  as  the  "Swing  Note."

     (c)     Each  Lender shall record on its books and records or on a schedule
to its appropriate Note the amount of each Loan advanced, continued or converted
by  it,  the  Borrower to whom such Loan was made, all payments of principal and
interest  and  the  principal balance from time to time outstanding thereon, the
type  of  such Loan, and, for any Eurodollar Loan or Swing Loan, the currency in
which  such  Loan  is  denominated,  the  Interest  Period and the interest rate
applicable thereto.  The record thereof, whether shown on such books and records
of  a  Lender  or on a schedule to its Note, shall be prima facie evidence as to
all  such  matters;  provided, however, that the failure of any Lender to record
any  of  the  foregoing  or  any  error  in  any  such record shall not limit or
otherwise  affect  the  obligation  of  the  Borrowers  to  repay all Loans made
hereunder  together with accrued interest thereon.  At the request of any Lender
and  upon  such  Lender  tendering  to  RCI,  on  behalf  of  the Borrowers, the
appropriate  Note to be replaced, the Borrowers shall furnish a new Note to such
Lender  to  replace  its  outstanding  Note, and at such time the first notation
appearing  on a schedule on the reverse side of, or attached to, such Note shall
set  forth  the  aggregate  unpaid  principal  amount of all Loans, if any, then
outstanding  thereon.

     Section  1.11.     Funding  Indemnity.  If any Lender shall incur any loss,
cost  or  expense  (including,  without  limitation, any loss of profit, and any
loss,  cost or expense incurred by reason of the liquidation or re-employment of
deposits  or  other  funds  acquired  by  such  Lender  to  fund or maintain any
Eurodollar  Loan  or Swing Loan or the relending or reinvesting of such deposits
or  amounts  paid  or  prepaid  to  such  Lender)  as  a  result  of:

          (a)  any  payment,  prepayment  or  conversion of a Eurodollar Loan or
     Swing  Loan  on  a  date  other  than  the last day of its Interest Period,

          (b)  any  failure  (because  of  a  failure  to meet the conditions of
     Section  7 or otherwise) by any Borrower to borrow or continue a Eurodollar
     Loan  or  Swing Loan, or to convert a Base Rate Loan into a Eurodollar Loan
     or  Swing Loan, on the date specified in a notice given pursuant to Section
     1.5(a)  or  Section  1.15  hereof,

          (c)  any  failure  by any Borrower to make any payment of principal on
     any  Eurodollar  Loan  or  Swing  Loan when due (whether by acceleration or
     otherwise),  or

          (d)  any  acceleration  of  the maturity of a Eurodollar Loan or Swing
     Loan  as  a  result  of  the  occurrence of any Event of Default hereunder,

then, within 15 days after the demand by such Lender, the Borrowers shall pay to
such  Lender  such  amount  as will reimburse such Lender for such loss, cost or
expense.  If any Lender makes such a claim for compensation, it shall provide to
the  Borrowers,  with  a copy to the Administrative Agent, a certificate setting
forth  the  amount of such loss, cost or expense in reasonable detail (including
an  explanation  of  the  basis  for  and  the computation of such loss, cost or
expense)  and  the amounts shown on such certificate shall be deemed prime facie
correct,  absent  manifest  error.

     Section 1.12.     Commitment Terminations.  (a) Optional Terminations.  The
Borrowers  shall  have  the  right  at any time and from time to time, upon five
Business Days prior written notice to the Administrative Agent, to terminate the
Commitments  in whole or in part, any partial termination to be (i) in an amount
not  less  than  $2,000,000  and  (ii)  allocated  ratably  among the Lenders in
proportion  to  their  respective Percentages, provided that the Commitments may
not  be reduced to an amount less than the sum of the aggregate principal amount
of  Loans  and  of

                                       11
<PAGE>
L/C  Obligations then outstanding.  Any termination of the Commitments below the
L/C Sublimit or Swing Line Sublimit then in effect shall reduce the L/C Sublimit
and  Swing  Line  Sublimit, as applicable, by a like amount.  The Administrative
Agent  shall  give  prompt  notice to each Lender of any such termination of the
Commitments.

     (b)     Mandatory  Terminations.  The  Commitments  shall  not,  during the
periods  set  forth  below,  exceed  the amount set forth opposite such periods:
<TABLE>
<CAPTION>

                                           Aggregate Commitments
From and Including    To and Including:      shall not exceed:
<S>                 <C>                    <C>
date hereof. . . .               12/30/02  $          50,000,000
12/31/02                         12/30/03  $          45,000,000
12/31/03                         12/30/04  $          40,000,000
12/31/04             the Termination Date  $          35,000,000
</TABLE>

     (c)     No  Reinstatement.  Any  termination of the Commitments pursuant to
this  Section  1.12  may  not  be  reinstated.

     Section  1.13.     Substitution  of  Lenders.  Upon  the  receipt  by  the
Borrowers  of (a) a claim from any Lender for compensation under Section 10.3 or
13.1  hereof,  (b)  notice  by  any  Lender  to  the Borrowers of any illegality
pursuant  to Section 10.1 hereof or (c) in the event any Lender is in default in
any  material  respect  with respect to its obligations under the Loan Documents
(any  such  Lender referred to in clause (a), (b) or (c) above being hereinafter
referred  to  as  an  "Affected  Lender"), the Borrowers may, in addition to any
other  rights the Borrowers may have hereunder or under applicable law, require,
at its expense, any such Affected Lender to assign, at par plus accrued interest
and  fees,  without  recourse,  all  of  its  interest,  rights, and obligations
hereunder  (including  all  of  its  Commitments and the Loans and participation
interests  in  Letters  of  Credit  and  other  amounts  at any time owing to it
hereunder  and the other Loan Documents) to a bank or other institutional lender
specified by the Borrowers, provided that (i) such assignment shall not conflict
with  or  violate  any  law,  rule  or regulation or order of any court or other
governmental  authority,  (ii)  the  Borrowers  shall  have received the written
consent  of  the  Administrative  Agent, which consent shall not be unreasonably
withheld,  to  such  assignment,  (iii)  the  Borrowers  shall  have paid to the
Affected Lender all monies (together with amounts due such Affected Lender under
Section  1.11  hereof  as  if  the  Loans  owing  to it were prepaid rather than
assigned  except  if such Lender is being replaced pursuant to clause (c) above)
other than such principal, interest, and fees accrued and owing to it hereunder,
and  (iv)  the  assignment  is  entered  into  in  accordance  with  the  other
requirements  of  Section  13.12  hereof.

     Section 1.14.     Appointment of RCI as Agent for Borrowers.  Each Borrower
hereby  irrevocably appoints RCI as its agent hereunder to make requests on such
Borrower's  behalf  under  Section  1  hereof for Borrowings, to request on such
Borrower's  behalf  Letters  of Credit and to execute all Applications therefor,
and  to take any other action contemplated by the Loan Documents with respect to
the  credit  extended  hereunder to such Borrower.  The Administrative Agent and
the  Lenders  shall  be  entitled to conclusively presume that any action by RCI
under  the  Loan Documents is taken on behalf of all of the Borrowers whether or
not  RCI  so  indicates.

                                       12
<PAGE>
     Section  1.15.     Swing  Loans.  (a)  Generally.  Subject to the terms and
conditions  hereof,  as  part  of the Revolving Credit, the Administrative Agent
agrees to make loans in U.S. Dollars to the Borrowers, or any of them, under the
Swing  Line  (individually  a  "Swing  Loan" and collectively the "Swing Loans")
which  shall  not in the aggregate at any time outstanding exceed the Swing Line
Sublimit.  The Swing Loans may be availed of the Borrowers from time to time and
borrowings  thereunder  may be repaid and used again during the period ending on
the  Termination  Date; provided that each Swing Loan must be repaid on the last
day  of  the  Interest Period applicable thereto.  Each Swing Loan shall be in a
minimum  amount of $250,000 or such greater amount which is an integral multiple
of  $50,000.

     (b)  Interest  on  Swing  Loans.  Each Swing Loan shall bear interest until
maturity (whether by acceleration or otherwise) at a rate per annum equal to (i)
the  sum of the Base Rate plus the Applicable Margin for Base Rate Loans as from
time  to  time in effect (computed on the basis of a year of 365 or 366 days, as
the  case  may  be,  for  the  actual  number  of  days  elapsed)  or  (ii)  the
Administrative  Agent's Quoted Rate (computed on the basis of a year of 360 days
for the actual number of days elapsed). Interest on each Swing Loan shall be due
and  payable  prior  to  such  maturity  on the last day of each Interest Period
applicable  thereto.

     (c)     Requests  for  Swing  Loans.  RCI,  on  behalf  of  the  applicable
Borrower, shall give the Administrative Agent prior notice (which may be written
or  oral)  no  later  than  12:00  Noon  (Chicago time) on the date upon which a
Borrower  requests  that  any Swing Loan be made, of the amount and date of such
Swing Loan, and the Interest Period requested therefor.  Within 30 minutes after
receiving such notice, the Administrative Agent shall in its discretion quote an
interest  rate  to  RCI,  on  behalf  of  the  applicable Borrower, at which the
Administrative  Agent would be willing to make such Swing Loan available to such
Borrower  for  the  Interest Period so requested (the rate so quoted for a given
Interest  Period  being  herein  referred  to  as "Administrative Agent's Quoted
Rate").  The  Borrowers  acknowledge  and  agree that the interest rate quote is
given  for  immediate  and  irrevocable  acceptance.  If  RCI,  on behalf of the
applicable  Borrower,  does not so immediately accept the Administrative Agent's
Quoted  Rate  for  the full amount requested by the applicable Borrower for such
Swing  Loan,  the Administrative Agent's Quoted Rate shall be deemed immediately
withdrawn  and  such  Swing  Loan  shall  bear  interest  at  the rate per annum
determined  by adding the Applicable Margin for Base Rate Loans to the Base Rate
as from time to time in effect.  Subject to the terms and conditions hereof, the
proceeds  of  such Swing Loan shall be made available to the applicable Borrower
on  the date so requested at the offices of the Administrative Agent in Chicago,
Illinois.  Anything  contained  in the foregoing to the contrary notwithstanding
(i)  the  obligation  of  the  Administrative Agent to make Swing Loans shall be
subject  to  all  of  the  terms  and conditions of this Agreement, and (ii) the
Administrative  Agent  shall  not  be obligated to make more than one Swing Loan
during  any  one  day.

     (d)     Refunding  Loans;.  In  its  sole  and  absolute  discretion,  the
Administrative  Agent  may at any time, on behalf of the Borrowers (which hereby
irrevocably  authorize  the Administrative Agent to act on their behalf for such
purpose)  and  with  notice  to  the  Borrowers,  request  each Lender to make a
Revolving  Loan  in  the  form  of  a  Base Rate Loan in an amount equal to such
Lender's  Percentage  of  the  amount of the Swing Loans outstanding on the date
such notice is given.  Unless an Event of Default described in Section 9.1(j) or
9.1(k)  exists  with  respect  to  the  applicable  Borrower,  regardless of the
existence  of any other Event of Default, each Lender shall make the proceeds of
its  requested  Revolving  Loan  available  to  the  Administrative  Agent,  in
immediately  available  funds, at the Administrative Agent's principal office in
Chicago,  Illinois,  before  12:00  Noon  (Chicago  time)  on  the  Business Day
following  the  day  such  notice  is  given.  The proceeds of such Borrowing of
Revolving  Loans  shall  be  immediately  applied to repay the outstanding Swing
Loans.

                                       13
<PAGE>
     (e)     Participations;.  If  any Lender refuses or otherwise fails to make
a  Revolving Loan when requested by the Administrative Agent pursuant to Section
1.15(d) above (because an Event of Default described in Section 9.1(j) or 9.1(k)
exists  with respect to the applicable Borrower or otherwise), such Lender will,
by the time and in the manner such Revolving Loan was to have been funded to the
Administrative  Agent,  purchase  from  the  Administrative  Agent  an undivided
participating  interest in the outstanding Swing Loans in an amount equal to its
Percentage  of  the  aggregate principal amount of Swing Loans that were to have
been  repaid  with  such  Revolving  Loans.  Each  Lender  that  so  purchases a
participation  in  a  Swing  Loan  shall  thereafter  be entitled to receive its
Percentage  of  each  payment  of  principal  received  on the Swing Loan and of
interest  received  thereon  accruing  from  the  date such Lender funded to the
Administrative Agent its participation in such Loan.  The several obligations of
the  Lenders under this Section shall be absolute, irrevocable and unconditional
under  any  and  all  circumstances  whatsoever  and shall not be subject to any
set-off,  counterclaim  or  defense to payment which any Lender may have or have
had  against  any  Borrower,  any  other  Lender  or  any other Person whatever.
Without  limiting the generality of the foregoing, such obligations shall not be
affected  by  any Default or Event of Default or by any reduction or termination
of  the  Commitments of any Lender, and each payment made by a Lender under this
Section  shall  be  made without any offset, abatement, withholding or reduction
whatsoever.

Section  2.     Fees.

     Section 2.1.     Fees.  (a) Commitment Fee.  The Borrowers shall pay to the
Administrative  Agent  for the ratable account of the Lenders in accordance with
their Percentages a commitment fee at the rate per annum equal to the Applicable
Margin  (computed  on  the  basis of a year of 360 days and the actual number of
days  elapsed)  on  the  average  daily Unused Commitments.  Such commitment fee
shall  be  payable  quarter-annually  in  arrears on the last day of each March,
June,  September,  and  December in each year (commencing on the first such date
occurring  after  the  date  hereof)  and  on  the  Termination Date, unless the
Commitments  are  terminated  in  whole  on  an earlier date, in which event the
commitment  fee for the period to the date of such termination in whole shall be
paid  on  the  date  of  such  termination.

     (b)     Letter  of  Credit  Fees.  On the date of issuance or extension, or
increase  in the amount, of any Letter of Credit pursuant to Section 1.2 hereof,
the  applicable  Borrower  shall  pay  to  the L/C Issuer for its own account an
issuance  fee  equal  to 0.125% of the face amount of (or of the increase in the
face amount of) such Letter of Credit.  Quarterly in arrears, on the last day of
each  March,  June,  September,  and December, commencing on the first such date
occurring  after  the  date hereof, the Borrower shall pay to the Administrative
Agent,  for  the  ratable  benefit  of  the  Lenders  in  accordance  with their
Percentages,  a letter of credit fee at a rate per annum equal to the Applicable
Margin  (computed  on  the  basis of a year of 360 days and the actual number of
days  elapsed)  in  effect  during each day of such quarter applied to the daily
average  face  amount  of Letters of Credit outstanding during such quarter.  In
addition,  the  applicable  Borrower  shall  pay  to  the L/C Issuer for its own
account  the  L/C  Issuer's  standard drawing, negotiation, amendment, and other
administrative  fees  for each Letter of Credit.  Such standard fees referred to
in  the  preceding  sentence  may  be established by the L/C Issuer from time to
time.

     (c)     Upfront  Fees.  On  the date hereof, the Borrowers shall pay to the
Administrative  Agent,  for  the ratable account of the Lenders, upfront fees in
the  amounts  previously  agreed  to  by  the  Borrowers,  the  Lenders  and the
Administrative  Agent.

     (d)     Administrative  Agent  Fees.  The  Borrowers  shall  pay  to  the
Administrative  Agent,  for  its  own  use and benefit, the arrangement fees and
administrative fees agreed to between the Administrative Agent and the Borrowers
in  a  fee  letter  dated  as of even date herewith or as otherwise agreed to in
writing  between  them.

                                       14
<PAGE>
Section  3.     Place  and  Application  of  Payments.

     Section  3.1.     Place  and  Application  of  Payments.  All  payments  of
principal of and interest on the Loans and the Reimbursement Obligations, and of
all  other  Obligations  payable  by  the Borrowers under this Agreement and the
other Loan Documents, shall be made by the Borrowers to the Administrative Agent
by no later than 12:00 Noon (Chicago time) on the due date thereof at the office
of  the Administrative Agent in Chicago, Illinois (or such other location as the
Administrative  Agent  may designate to the Borrowers) or, if such payment is to
be  made  in an Alternative Currency, no later than 12:00 Noon local time at the
place  of  payment  to  such  office  as the Administrative Agent has previously
specified  in  a  notice  to the Borrowers, in each case, for the benefit of the
Lender or Lenders entitled thereto.  Any payments received after such time shall
be deemed to have been received by the Administrative Agent on the next Business
Day.  All  such  payments  shall  be  made  (i)  in U.S. Dollars, in immediately
available  funds at the place of payment, or (ii) in the case of amounts payable
hereunder in an Alternative Currency, in such Alternative Currency in such funds
then  customary  for  the  settlement  of  international  transactions  in  such
currency,  in  each  case  without  set-off or counterclaim.  The Administrative
Agent  will  promptly  thereafter cause to be distributed like funds relating to
the  payment  of principal or interest on Loans and on Reimbursement Obligations
in  which  the  Lenders  have  purchased  Participating Interests ratably to the
Lenders  and  like  funds relating to the payment of any other amount payable to
any  Lender  to  such  Lender, in each case to be applied in accordance with the
terms  of  this  Agreement.

     Anything contained herein to the contrary notwithstanding, all payments and
collections  received  in respect of the Obligations by the Administrative Agent
or  any  of  the  Lenders after the occurrence and during the continuation of an
Event  of  Default shall be remitted to the Administrative Agent and distributed
as  follows:

          (a)  first,  to  the  payment  of  any  outstanding costs and expenses
     incurred  by  the  Administrative  Agent,  in  protecting,  preserving  or
     enforcing  rights  under the Loan Documents, and in any event all costs and
     expenses  of  a  character  which  the  Borrowers  have  agreed  to pay the
     Administrative  Agent under Section 13.15 hereof (such funds to be retained
     by  the  Administrative  Agent for its own account unless it has previously
     been  reimbursed for such costs and expenses by the Lenders, in which event
     such  amounts  shall  be  remitted  to  the  Lenders  to reimburse them for
     payments  theretofore  made  to  the  Administrative  Agent);

          (b) second, to the payment of principal and interest on the Swing Note
     until  paid  in  full;

          (c)  third,  to  the  payment of any outstanding interest and fees due
     under  the  Loan  Documents to be allocated pro rata in accordance with the
     aggregate  unpaid  amounts  owing  to  each  holder  thereof;

          (d)  fourth,  to  the  payment  of  principal  on the Notes and unpaid
     Reimbursement  Obligations,  together  with  amounts  to  be  held  by  the
     Administrative  Agent  as  collateral  security  for  any  outstanding  L/C
     Obligations  pursuant to Section 9.4 hereof (until the Administrative Agent
     is  holding  an  amount of cash equal to the then outstanding amount of all
     such  L/C Obligations), the aggregate amount paid to, or held as collateral
     security  for,  the Lenders to be allocated pro rata in accordance with the
     aggregate  unpaid  amounts  owing  to  each  holder  thereof;

          (e)  fifth,  to RCI, on behalf of the Borrowers or whoever else may be
     lawfully  entitled  thereto.

                                       15
<PAGE>
Section  4.     The  Guaranties.

     Section  4.1.     Guaranties.  The  payment  and  performance  of  the
Obligations  shall  at all times be guaranteed by the Company and by each direct
and indirect Domestic Subsidiary of the Company pursuant to Section 12 hereof or
pursuant  to  one  or  more  Additional  Guarantor  Supplements delivered to the
Administrative  Agent  after  the  date  hereof.

     Section  4.2.     Further  Assurances.  The Company and each Borrower agree
that each shall, and shall cause each of its Domestic Subsidiaries to, from time
to  time  at  the  request  of the Administrative Agent or the Required Lenders,
execute  and  deliver  such  documents  and  do  such  acts  and  things  as the
Administrative  Agent or the Required Lenders may reasonably request in order to
provide  for  the  guarantees  contemplated by this Section 4.  In the event the
Company,  any  Borrower or any other Subsidiary of the Company forms or acquires
any  Domestic  Subsidiary  after  the date hereof, the Company and the Borrowers
shall  promptly  upon  such  formation or acquisition cause such newly formed or
acquired  Domestic  Subsidiary  to  execute  a Guaranty, and the Company and the
Borrowers shall also deliver to the Administrative Agent, or cause such Domestic
Subsidiary  to  deliver  to the Administrative Agent, at the Borrowers' cost and
expense,  such  other  instruments,  documents,  certificates,  and  opinions
reasonably  required  by  the  Administrative  Agent  in  connection  therewith.

Section  5.     Definitions;  Interpretation.

     Section  5.1.     Definitions.  The  following terms when used herein shall
have  the  following  meanings:

     "Acquired  Business" means the entity or assets acquired by any Borrower or
any  Subsidiary  in  an  Acquisition,  whether  before or after the date hereof.

     "Acquisition"  means  any transaction or series of related transactions for
the  purpose  of or resulting, directly or indirectly, in (a) the acquisition of
all  or  substantially  all  of  the  assets  of a Person, or of any business or
division  of  a  Person,  (b) the acquisition of in excess of 50% of the capital
stock,  partnership  interests,  membership  interests  or  equity of any Person
(other  than  a Person that is a Subsidiary), or otherwise causing any Person to
become  a  Subsidiary, or (c) a merger or consolidation or any other combination
with  another  Person (other than a Person that is a Subsidiary) provided that a
Borrower  or  a  Subsidiary  of  a  Borrower  is  the  surviving  entity.

     "Additional  Guarantor  Supplement"  means  a  letter to the Administrative
Agent in the form attached hereto as Exhibit F executed by a Domestic Subsidiary
of  the Company after the date hereof whereby it acknowledges that it is a party
hereto  as  a Guarantor and is liable for the Obligations pursuant to Section 12
hereof.

     "Adjusted  LIBOR"  means, for any Borrowing of Eurodollar Loans, a rate per
annum  determined  in  accordance  with  the  following  formula:

Adjusted  LIBOR     =                   LIBOR
                          ---------------------------------
                          1 - Eurodollar Reserve Percentage

     "Administrative  Agent"  means  Harris  Trust  and  Savings  Bank  and  any
successor  pursuant  to  Section  11.7  hereof.

     "Affiliate"  means  any  Person  directly  or  indirectly  controlling  or
controlled  by, or under direct or indirect common control with, another Person.
A  Person  shall  be  deemed  to control another Person for the purposes of this

                                       16
<PAGE>
definition  if  such  Person  possesses,  directly  or  indirectly, the power to
direct,  or  cause  the  direction  of, the management and policies of the other
Person,  whether  through  the ownership of voting securities, common directors,
trustees  or officers, by contract or otherwise; provided that, in any event for
purposes  of  this definition, any Person that owns, directly or indirectly, 10%
or  more  of the securities having the ordinary voting power for the election of
directors  or  governing body of a corporation or 10% or more of the partnership
or other ownership interest of any other Person (other than as a limited partner
of  such  other  Person)  will  be  deemed  to control such corporation or other
Person.

     "Agreement"  means  this  Credit  Agreement,  as  the  same may be amended,
modified,  restated  or  supplemented  from  time  to time pursuant to the terms
hereof.

     "Alternative  Currency" means Pounds Sterling, Euros and Hong Kong dollars,
in  each  case  only  to  the extent such currencies are freely transferable and
convertible  into  U.S.  Dollars  and  are  traded and readily available to each
Lender  in  the  London  interbank  market.

     "Applicable  Margin"  means,  with  respect  to  Loans,  Reimbursement
Obligations,  and  the  commitment  fees and letter of credit fees payable under
Section  2.1  hereof  until  the  first  Pricing Date, the rates per annum shown
opposite  Level  II  below, and thereafter from one Pricing Date to the next the
Applicable  Margin  means  the rates per annum determined in accordance with the
following  schedule:
<TABLE>
<CAPTION>

                                          Applicable         Applicable
                                        Margin for Base       Margin for
                                        Rate Loans and       Eurodollar         Applicable
                      Leverage Ratio     Reimbursement         Loans and        Margin for
                     for such Pricing  Obligations shall   Letter of Credit   Commitment Fee
Level                      Date               be:            Fee shall be:       shall be:
<S>                  <C>               <C>                 <C>                <C>
IV                   Greater than or
                     equal to 1.25 to
                     1.0                               0%              1.40%            0.30%

III                  Less than 1.25 to
                     1.0, but greater
                     than or equal to
                     1.0 to 1.0                        0%              1.15%            0.25%

II                   Less than 1.0 to
                     1.0, but greater
                     than or equal to
                     0.75 to 1.0                       0%              0.90%           0.225%

I                    Less than 0.75 to
                     1.0                               0%              0.75%            0.20%
</TABLE>

For  purposes  hereof,  the term "Pricing Date" means, for any fiscal quarter of
the  Borrowers  ending  on  or  after  June  30,  2002,  the  date  on which the
Administrative  Agent  is  in  receipt  of  the Borrowers' most recent financial
statements (and, in the case of the year-end financial statements, audit report)
for  the  fiscal  quarter  then  ended,  pursuant  to  Section  8.5 hereof.  The
Applicable  Margin shall be established based on the Leverage Ratio for the most
recently  completed  fiscal  quarter  and the Applicable Margin established on a
Pricing  Date  shall  remain  in  effect  until  the  next Pricing Date.  If the
Borrowers  have  not  delivered  their  financial  statements  by  the date such
financial  statements  (and,  in  the case of the year-end financial statements,
audit  report) are required to be delivered under Section 8.5 hereof, until such
financial statements and audit report are delivered, the Applicable Margin shall
be  the  highest  Applicable  Margin  (i.e.,  the

                                       17
<PAGE>
Leverage  Ratio  shall  be  deemed  to  be  greater  than  1.25 to 1.0).  If the
Borrowers subsequently deliver such financial statements before the next Pricing
Date,  the  Applicable  Margin  established  by  such  late  delivered financial
statements  shall  take  effect from the date of delivery until the next Pricing
Date.  In  all  other  circumstances,  the Applicable Margin established by such
financial  statements  shall  be  in  effect  from  the Pricing Date that occurs
immediately  after  the  end  of  the  fiscal  quarter covered by such financial
statements  until  the  next Pricing Date.  Each determination of the Applicable
Margin  made  by the Administrative Agent in accordance with the foregoing shall
be  conclusive  and  binding  on  the  Borrowers  and  the Lenders if reasonably
determined.

     "Application"  is  defined  in  Section  1.2(b)  hereof.

     "Authorized  Representative"  means  those  persons  shown  on  the list of
officers  provided  by  the  Borrowers  pursuant to Section 6.2 hereof or on any
update  of  any such list provided by the Borrowers to the Administrative Agent,
or  any further or different officers of any Borrower so named by any Authorized
Representative of such Borrower in a written notice to the Administrative Agent.

     "Base  Rate"  means  for  any  day the greater of: (i) the rate of interest
announced or otherwise established by the Administrative Agent from time to time
as  its  prime  commercial rate as in effect on such day, with any change in the
Base  Rate resulting from a change in said prime commercial rate to be effective
as  of  the  date of the relevant change in said prime commercial rate (it being
acknowledged  and  agreed  that  such rate may not be the Administrative Agent's
best  or  lowest  rate)  and  (ii)  the  sum  of  (x) the rate determined by the
Administrative  Agent  to  be  the average (rounded upward, if necessary, to the
next  higher  1/100  of  1%) of the rates per annum quoted to the Administrative
Agent  at  approximately  10:00 a.m. (Chicago time) (or as soon thereafter as is
practicable)  on  such  day  (or,  if  such  day  is  not a Business Day, on the
immediately  preceding  Business  Day)  by  two  or  more  Federal funds brokers
selected  by  the  Administrative  Agent for sale to the Administrative Agent at
face  value  of  Federal  funds  in  the  secondary market in an amount equal or
comparable  to  the  principal amount owed to the Administrative Agent for which
such  rate  is  being  determined,  plus  (y)  1/2  of  1%.

     "Base  Rate  Loan"  means  a  Loan  bearing interest at a rate specified in
Section  1.3(a)  hereof.

     "Borrowers"  is  defined  in  the introductory paragraph of this Agreement.

     "Borrowing"  means  the total of Loans of a single type advanced, continued
for  an additional Interest Period, or converted from a different type into such
type by the Lenders under the Revolving Credit on a single date and, in the case
of  Eurodollar Loans, for a single Interest Period. Borrowings of Loans are made
and  maintained  ratably  from  each  of  the Lenders under the Revolving Credit
according  to  their  Percentages.  A Borrowing is "advanced" on the day Lenders
advance  funds  comprising  such  Borrowing  to  the  applicable  Borrower,  is
"continued"  on  the  date  a  new  Interest  Period  for the same type of Loans
commences  for such Borrowing, and is "converted" when such Borrowing is changed
from  one  type of Loans to the other, all as requested by RCI, on behalf of the
applicable  Borrower,  pursuant  to  Section  1.5(a) hereof. Borrowings of Swing
Loans are made by the Administrative Agent in accordance with the procedures set
forth  in  Section  1.15  hereof.

     "Business  Day"  means  any  day (other than a Saturday or Sunday) on which
banks  are  not authorized or required to close in Chicago, Illinois and, if the
applicable Business Day relates to the advance or continuation of, or conversion
into, or payment of a Eurodollar Loan, on which banks are dealing in U.S. Dollar
deposits or the relevant Alternative Currency in the interbank eurodollar market
in  London,  England  and, if the applicable Business Day relates to the advance

                                       18
<PAGE>
or  continuation  of,  or  conversion  into,  or  payment  of  a Eurodollar Loan
denominated  in  an  Alternative  Currency,  on which banks and foreign exchange
markets  are open for business in the city where disbursements of or payments on
such  Loan  are  to be made and, if such Alternative Currency is the Euro or any
national  currency  of  a  nation  that is a member of the European Economic and
Monetary  Union,  which  is  a  TARGET  Settlement  Day.

     "Capital  Expenditures"  means,  with  respect to any period, the aggregate
amount  of  all expenditures (whether paid in cash or accrued as a liability) by
the  Company  and  its  Subsidiaries  during  that period for the acquisition or
leasing (pursuant to a Capital Lease) of fixed or capital assets or additions to
property,  plant, or equipment (including replacements, capitalized repairs, and
improvements)  which  should  be capitalized on the balance sheet of the Company
and  its  Subsidiaries  in  accordance  with  GAAP.

     "Capital  Lease"  means any lease of Property which in accordance with GAAP
is  required  to  be  capitalized  on  the  balance  sheet  of  the  lessee.

     "Capitalized  Lease  Obligation"  means,  for any Person, the amount of the
liability  shown  on  the  balance  sheet of such Person in respect of a Capital
Lease  determined  in  accordance  with  GAAP.

     "CERCLA"  means  the Comprehensive Environmental Response, Compensation and
Liability  Act  of  1980,  as  amended  by  the  Superfund  Amendments  and
Reauthorization  Act of 1986, 42 U.S.C. 9601 et seq., and any future amendments.

     "Change  of  Control"  means  any of (a) the acquisition by any "person" or
"group"  (as  such  terms are used in sections 13(d) and 14(d) of the Securities
Exchange Act of 1934, as amended) at any time of beneficial ownership of 33-1/3%
or more of the outstanding capital stock or other equity interest of the Company
on  a  fully-diluted  basis,  (b)  the failure of the Company to own 100% of the
Voting  Stock of any Borrower, (c) the failure of individuals who are members of
the  board  of  directors  (or  similar  governing  body)  of the Company or any
Borrower  on  the  Closing  Date (together with any new or replacement directors
whose  initial  nomination  for  election  was  approved  by  a  majority of the
directors  who  were  either  directors  on  the  Closing  Date or previously so
approved)  to  constitute  a  majority  of  the  board  of directors (or similar
governing  body) of the Company or such Borrower, as the case may be, or (d) any
"Change  of  Control"  (or words of like import), as defined in any agreement or
indenture  relating to any issue of Indebtedness for Borrowed Money shall occur.

     "Closing  Date" means the date of this Agreement or such later Business Day
upon  which each condition described in Section 7.2 shall be satisfied or waived
in  a  manner  acceptable  to  the  Administrative  Agent  in  its  discretion.

     "Code"  means  the  Internal  Revenue  Code  of  1986,  as amended, and any
successor  statute  thereto.

     "Collateral  Account"  is  defined  in  Section  9.4  hereof.

     "Commitment" means, as to any Lender, the obligation of such Lender to make
Revolving  Loans  and to participate in Letters of Credit issued for the account
of  any  Borrower  hereunder in an aggregate principal or face amount at any one
time  outstanding not to exceed the amount set forth opposite such Lender's name
on Schedule 1 attached hereto and made a part hereof, as the same may be reduced
or  modified  at any time or from time to time pursuant to the terms hereof. The
Borrowers  and  the  Lenders  acknowledge  and agree that the Commitments of the
Lenders  aggregate  $50,000,000  on  the  date  hereof.

                                       19
<PAGE>
     "Controlled  Group" means all members of a controlled group of corporations
and  all trades or businesses (whether or not incorporated) under common control
which,  together  with  the  Borrower,  are  treated  as a single employer under
Section  414  of  the  Code.

     "Credit  Event"  means  the  advancing  of any Loan, the continuation of or
conversion  into  a  Eurodollar  Loan,  or  the issuance of, or extension of the
expiration  date  or  increase  in  the  amount  of,  any  Letter  of  Credit.

     "Credit  Parties"  means,  collectively,  the Borrowers and the Guarantors.

     "Damages"  means  all  damages  including,  without  limitation,  punitive
damages,  liabilities,  costs,  expenses,  losses,  diminutions in value, fines,
penalties,  demands,  claims,  cost  recovery  actions, lawsuits, administrative
proceedings,  orders,  response  action,  removal and remedial costs, compliance
costs,  investigation expenses, consultant fees, attorneys' and paralegals' fees
and  litigation  expenses.

     "Default"  means any event or condition the occurrence of which would, with
the  passage  of  time  or the giving of notice, or both, constitute an Event of
Default.

     "Disposition"  means  the  sale,  lease, conveyance or other disposition of
Property,  other  than  sales  or  other  dispositions expressly permitted under
subsections  (a)  through  (e)  of  Section  8.10  hereof.

     "Domestic  Subsidiary"  means  each Subsidiary which is organized under the
laws  of  the  United  States of America or any state or commonwealth thereof or
under  the  laws  of  the  District  of  Columbia.

     "EBITDA"  means,  with  reference to any period, Net Income for such period
plus  the  sum  of all amounts deducted in arriving at such Net Income amount in
respect  of  (a) Interest Expense for such period, (b) federal, state, and local
income  taxes  for  such  period,  and  (c)  depreciation  of  fixed  assets and
amortization  of  intangible  assets  for  such  period.

"Eligible Line of Business" means any business engaged in as of the date of this
Agreement  by  the  Credit  Parties or any of their Subsidiaries or any business
substantially  similar  thereto.

     "Environmental  Law"  means  any  current  or  future  Legal  Requirement
pertaining  to  (a)  the  protection of health, safety and the indoor or outdoor
environment,  (b)  the  conservation, management or use of natural resources and
wildlife,  (c)  the  protection  or use of surface water or groundwater, (d) the
management,  manufacture, possession, presence, use, generation, transportation,
treatment,  storage,  disposal, release, threatened release, abatement, removal,
remediation  or  handling  of,  or  exposure  to,  any Hazardous Material or (e)
pollution  (including  any  release to air, land, surface water or groundwater),
and  any  amendment,  rule,  regulation,  order  or directive issued thereunder.

     "ERISA"  means  the  Employee  Retirement  Income  Security Act of 1974, as
amended,  or  any  successor  statute  thereto.

     "Eurodollar  Loan"  means  a Loan bearing interest at the rate specified in
Section  1.3(b)  hereof.

     "Eurodollar  Reserve  Percentage"  means,  for  any Borrowing of Eurodollar
Loans, the daily average for the applicable Interest Period of the maximum rate,
expressed  as  a  decimal, at which reserves (including, without limitation, any
supplemental,  marginal,  and  emergency

                                       20
<PAGE>
reserves)  are  imposed during such Interest Period by the Board of Governors of
the  Federal Reserve System (or any successor) on "eurocurrency liabilities", as
defined  in  such  Board's  Regulation D (or in respect of any other category of
liabilities  that  includes  deposits by reference to which the interest rate on
Eurodollar  Loans is determined or any category of extensions of credit or other
assets  that  include loans by non-United States offices of any Lender to United
States residents), subject to any amendments of such reserve requirement by such
Board  or  its  successor,  taking  into  account  any  transitional adjustments
thereto.  For  purposes of this definition, the Eurodollar Loans shall be deemed
to  be  "eurocurrency liabilities" as defined in Regulation D without benefit or
credit  for  any  prorations,  exemptions  or  offsets  under  Regulation  D.

     "Event  of  Default"  means  any  event  or condition identified as such in
Section  9.1  hereof.

     "Existing Credit Agreement" means that certain Credit Agreement dated as of
April 13, 1999 among the Borrowers, the Company, certain other guarantors, First
Union  National  Bank,  as  administrative  agent,  and  the  other  financial
institutions  party  thereto,  as  amended  from  time to time prior to the date
hereof.

     "Federal  Funds  Rate"  means  the  fluctuating  interest  rate  per  annum
described  in  part  (x)  of  clause  (ii)  of  the  definition  of  Base  Rate.

     "Funds  Transfer and Deposit Account Liability" means the liability of each
Borrower  or  any  of  its  Subsidiaries  owing  to  any  of the Lenders, or any
Affiliates  of  such  Lenders, arising out of (a) the execution or processing of
electronic  transfers  of  funds  by  automatic  clearing  house  transfer, wire
transfer  or  otherwise  to or from the deposit accounts of such Borrower and/or
any  Subsidiary  now  or  hereafter  maintained with any of the Lenders or their
Affiliates,  (b)  the  acceptance for deposit or the honoring for payment of any
check,  draft  or  other item with respect to any such deposit accounts, and (c)
any  other  deposit, disbursement, and cash management services afforded to such
Borrower  or  any  such  Subsidiary  by any of such Lenders or their Affiliates.

     "GAAP"  means  generally accepted accounting principles set forth from time
to  time  in  the opinions and pronouncements of the Accounting Principles Board
and  the  American  Institute of Certified Public Accountants and statements and
pronouncements  of  the  Financial  Accounting Standards Board (or agencies with
similar functions of comparable stature and authority within the U.S. accounting
profession),  which  are  applicable  to  the  circumstances  as  of the date of
determination.

     "Guarantors"  means  the  Company, the Domestic Subsidiaries of the Company
identified  as  "Guarantors" on the signature pages hereto and each other direct
or  indirect  Domestic  Subsidiary of the Company executing a Guaranty after the
date  hereof.

     "Guaranty"  means  this Agreement as to the Guarantors party hereto and the
Additional  Guarantor  Supplements  as to any Domestic Subsidiaries guaranteeing
the  Obligations  and  becoming  party  hereto  after  the  date  hereof.

     "Hazardous  Material"  means  any  substance,  chemical, compound, product,
solid,  gas,  liquid, waste, byproduct, pollutant, contaminant or material which
is  hazardous  or  toxic,  and  includes,  without  limitation,  (a)  asbestos,
polychlorinated  biphenyls  and  petroleum  (including crude oil or any fraction
thereof)  and (b) any material classified or regulated as "hazardous" or "toxic"
or  words  of  like  import  pursuant  to  an  Environmental  Law.

                                       21
<PAGE>
     "Hedging  Liability"  means the liability of any Borrower or any Subsidiary
to  any  of  the  Lenders,  or any Affiliates of such Lenders, in respect of any
interest  rate  swap  agreements,  interest  rate  cap agreements, interest rate
collar  agreements,  interest  rate  floor  agreements,  interest  rate exchange
agreements,  foreign  currency  contracts,  currency  swap  contracts,  or other
similar  interest rate or currency hedging arrangements as such Borrower or such
Subsidiary, as the case may be, may from time to time enter into with any one or
more  of  the  Lenders  party  to  this  Agreement  or  their  Affiliates.

     "Hostile  Acquisition"  means the acquisition of the capital stock or other
equity  interests  of a Person through a tender offer or similar solicitation of
the  owners  of  such capital stock or other equity interests which has not been
approved (prior to such acquisition) by resolutions of the Board of Directors of
such  Person or by similar action if such Person is not a corporation, and as to
which  such  approval  has  not  been  withdrawn.

     "Indebtedness  for  Borrowed  Money"  means  for  any  Person  (without
duplication)  (a)  all  indebtedness  of such Person for borrowed money, whether
current  or  funded,  or  secured  or  unsecured,  (b)  all indebtedness for the
deferred purchase price of Property or services, (c) all indebtedness created or
arising  under  any  conditional  sale  or  other title retention agreement with
respect to Property acquired by such Person (even though the rights and remedies
of  the  seller  or  lender  under  such agreement in the event of a default are
limited  to repossession or sale of such Property), (d) all indebtedness secured
by a purchase money mortgage or other Lien to secure all or part of the purchase
price  of  Property  subject to such mortgage or Lien, (e) all obligations under
leases  which  shall  have been or must be, in accordance with GAAP, recorded as
Capital  Leases  in  respect  of  which such Person is liable as lessee, (f) any
liability  in  respect of banker's acceptances or letters of credit, and (g) any
indebtedness,  whether  or not assumed, secured by Liens on Property acquired by
such  Person  at  the  time of acquisition thereof, it being understood that the
term  "Indebtedness for Borrowed Money" shall not include trade payables arising
in  the  ordinary  course  of  business.

     "Interest  Expense"  means,  with  reference  to any period, the sum of all
interest charges (including imputed interest charges with respect to Capitalized
Lease  Obligations  and  all  amortization  of debt discount and expense) of the
Company  and its Subsidiaries for such period determined on a consolidated basis
in  accordance  with  GAAP.

     "Interest  Period"  is  defined  in  Section  1.6  hereof.

     "L/C  Issuer"  means  Harris  Trust  and  Savings  Bank.

     "L/C  Obligations"  means  the  aggregate  undrawn  face  amounts  of  all
outstanding  Letters  of  Credit  and  all  unpaid  Reimbursement  Obligations.

     "L/C  Sublimit" means $10,000,000, as reduced pursuant to the terms hereof.

     "Legal Requirement" means any treaty, convention, statute, law, regulation,
ordinance,  license, permit, governmental approval, injunction, judgment, order,
consent  decree  or  other  requirement  of  any governmental authority, whether
federal,  state,  or  local.

     "Lenders"  means  and  includes each financial institution party hereto and
the  other  financial  institutions  from  time to time party to this Agreement,
including  each  assignee  Lender  pursuant  to  Section  13.12  hereof.

     "Lending  Office"  is  defined  in  Section  10.4  hereof.

     "Letter  of  Credit"  is  defined  in  Section  1.2(a)  hereof.

                                       22
<PAGE>
     "Leverage Ratio" means, at any time the same is to be determined, the ratio
of  (i) Total Funded Debt of the Company and its Subsidiaries as of the last day
of  the  most recently completed fiscal quarter of the Company to (ii) EBITDA of
the  Company  and  its  Subsidiaries for the period of four fiscal quarters then
ended.

     "LIBOR"  means, for an Interest Period for a Borrowing of Eurodollar Loans,
(a)  the  LIBOR  Index Rate for such Interest Period, if such rate is available,
and  (b) if the LIBOR Index Rate cannot be determined, the arithmetic average of
the  rates  of interest per annum (rounded upwards, if necessary, to the nearest
1/100  of  1%)  at  which  deposits  in U.S. Dollars or the relevant Alternative
Currency,  as  appropriate,  in  immediately  available funds are offered to the
Administrative  Agent  at  11:00  a.m.  (London, England time) two Business Days
before the beginning of such Interest Period by three or more major banks in the
interbank eurodollar market selected by the Administrative Agent for delivery on
the first day of and for a period equal to such Interest Period and in an amount
equal  or comparable to the principal amount of the Eurodollar Loan scheduled to
be  made  by  the  Administrative  Agent  as  part  of  such  Borrowing.

     "LIBOR  Index  Rate"  means,  for  any  Interest Period, the rate per annum
(rounded  upwards,  if necessary, to the next higher one hundred-thousandth of a
percentage  point)  for  deposits  in  U.S.  Dollars or the relevant Alternative
Currency,  as  appropriate,  for  a  period equal to such Interest Period, which
appears on the appropriate Telerate Page as of 11:00 a.m. (London, England time)
on  the  day  two Business Days before the commencement of such Interest Period.

     "Lien"  means  any  mortgage,  lien,  security  interest, pledge, charge or
encumbrance of any kind in respect of any Property, including the interests of a
vendor  or  lessor  under  any  conditional  sale,  Capital Lease or other title
retention  arrangement.

     "Loan"  means  any  Revolving  Loan or Swing Loan, whether outstanding as a
Base  Rate  Loan  or  Eurodollar Loan or otherwise, each of which is a "type" of
Loan  hereunder.

     "Loan  Documents"  means  this  Agreement, the Notes, the Applications, the
Guaranties,  and  each other instrument or document to be delivered hereunder or
thereunder  or  otherwise  in  connection  therewith.

     "Material  Adverse  Effect"  means  (a)  a  material  adverse change in, or
material  adverse  effect  upon, the operations, business, Property or condition
(financial  or  otherwise) of the Company or of any Borrower or of the Borrowers
and  their  Subsidiaries  taken  as  a  whole,  (b) a material impairment of the
ability  of  any Credit Party to perform its obligations under any Loan Document
or  (c) a material adverse effect upon the legality, validity, binding effect or
enforceability  against  any Credit Party of any Loan Document or the rights and
remedies  of  the  Administrative  Agent  and  the  Lenders  thereunder.

     "Moody's"  means  Moody's  Investors  Service,  Inc.

     "Net  Cash  Proceeds"  means,  as  applicable,  (a)  with  respect  to  any
Disposition  by  a  Person, cash and cash equivalent proceeds received by or for
such  Person's  account,  net  of  (i)  reasonable direct costs relating to such
Disposition  and  (ii) sale, use or other transactional taxes paid or payable by
such  Person as a direct result of such Disposition, and (b) with respect to any
offering  of  equity  securities of a Person or the issuance of any Indebtedness
for Borrowed Money by a Person, cash and cash equivalent proceeds received by or
for such Person's account, net of reasonable legal, underwriting, and other fees
and  expenses  incurred  as  a  direct  result  thereof.

                                       23
<PAGE>
     "Net  Income"  means,  with reference to any period, the net income (or net
loss)  of  the  Company  and  its  Subsidiaries  for  such  period computed on a
consolidated  basis  in  accordance  with  GAAP;  provided  that  there shall be
excluded  from Net Income (a) the net income (or net loss) of any Person accrued
prior to the date it becomes a Subsidiary of, or has merged into or consolidated
with, the Company or another Subsidiary, and (b) the net income (or net loss) of
any  Person (other than a Subsidiary) in which the Company or any Subsidiary has
an  equity interest in, except to the extent of the amount of dividends or other
distributions  actually  paid  to  the  Company  or  such Subsidiary during such
period.

     "Notes"  means  and  includes  the  Revolving  Notes  and  the  Swing Note.

     "Obligations"  means  all  obligations of the Borrowers, or any of them, to
pay  principal  and  interest  on the Loans, all Reimbursement Obligations owing
under  the  Applications,  all fees and charges payable hereunder, and all other
payment obligations of any Credit Party arising under or in relation to any Loan
Document,  in  each  case  whether  now existing or hereafter arising, due or to
become due, direct or indirect, absolute or contingent, and howsoever evidenced,
held  or  acquired.

     "Original  Dollar Amount" means the amount of any Obligation denominated in
U.S.  Dollars  and,  in  relation  to  any  Loan  denominated  in an Alternative
Currency,  the  U.S. Dollar Equivalent of such Loan on the day it is advanced or
continued  for  an  Interest  Period.

     "Overnight  Foreign  Currency  Rate" shall mean for any amount payable in a
currency  other  than U.S. Dollars, the rate of interest per annum as determined
by the Administrative Agent (rounded upwards, if necessary, to the nearest whole
multiple  of  one-sixteenth  of  one percent (1/16 of 1%)) at which overnight or
weekend  deposits  of  the  appropriate currency (or, if such amount due remains
unpaid  more  than  three Business Days, then for such period of time not longer
than  six  months  as  the  Administrative  Agent  may  elect  in  its  absolute
discretion)  for delivery in immediately available and freely transferable funds
would  be  offered  by  the Administrative Agent to major banks in the interbank
market  upon request of such major banks for the applicable period as determined
above  and in an amount comparable to the unpaid principal amount of the related
Loan  (or,  if the Administrative Agent is not placing deposits in such currency
in  the  interbank market, then the Administrative Agent's cost of funds in such
currency  for  such  period).

     "Participating  Interest"  is  defined  in  Section  1.2(d)  hereof.

     "Participating  Lender"  is  defined  in  Section  1.2(d)  hereof.

     "PBGC"  means  the  Pension  Benefit  Guaranty  Corporation  or  any Person
succeeding  to  any  or  all  of  its  functions  under  ERISA.

     "Percentage"  means,  for  each  Lender,  the percentage of the Commitments
represented  by  such  Lender's  Commitment  or,  if  the  Commitments have been
terminated,  the percentage held by such Lender (including through participation
interests in Reimbursement Obligations) of the aggregate principal amount of all
Loans  and  L/C  Obligations  then  outstanding.

     "Permitted  Acquisition" means any Acquisition with respect to which all of
the  following  conditions  shall  have  been  satisfied:

          (a)  the  Acquired  Business  is  in  an  Eligible  Line  of Business;

          (b)  the  Acquisition  shall  not  be  a  Hostile  Acquisition;

                                       24
<PAGE>
          (c)  the financial statements of the Acquired Business shall have been
     audited by one of the "Big Five" accounting firms or by another independent
     accounting  firm  of  national  or  regional repute or otherwise reasonably
     satisfactory  to  the Administrative Agent, or if such financial statements
     have  not  been  audited  by  such  an  accounting firm, (i) such financial
     statements  shall  have  been approved by the Administrative Agent and (ii)
     the  Acquired  Business  has undergone a successful so-called businessman's
     review  by one of the "Big Five" accounting firms as part of the Borrowers'
     due  diligence  on  the  Acquisition;

          (d)  the  Total  Consideration  for  the Acquired Business, when taken
     together  with the Total Consideration for all Acquired Businesses acquired
     after  the date hereof, does not exceed $10,000,000 in the aggregate during
     any  fiscal  year  of  the Company and $20,000,000 in the aggregate for all
     Acquisitions  completed  after  the  date  hereof;

          (e)  the  Borrowers  shall  have notified the Administrative Agent and
     Lenders  not  less than 30 days prior to any such Acquisition and furnished
     to  the Administrative Agent and Lenders at such time reasonable details as
     to  such  Acquisition  (including  sources and uses of funds therefor), and
     3-year  historical  financial  information  and  3-year pro forma financial
     forecasts of the Acquired Business on a stand alone basis as well as of the
     Borrowers  on  a  consolidated basis after giving effect to the Acquisition
     and  covenant  compliance  calculations  reasonably  satisfactory  to  the
     Administrative  Agent;

          (f)  if  a  new  Subsidiary is formed or acquired as a result of or in
     connection  with  the  Acquisition,  the  relevant  Credit Party shall have
     complied with the requirements of Section 4 hereof in connection therewith;
     and

          (g)  after  giving  effect  to the Acquisition, no Default or Event of
     Default  shall  exist, including with respect to the covenants contained in
     Sections  8.22  and  8.23  on  a  pro  forma  basis.

     "Person"  means  an individual, partnership, corporation, limited liability
company,  association, trust, unincorporated organization or any other entity or
organization, including a government or agency or political subdivision thereof.

     "Plan" means any employee pension benefit plan covered by Title IV of ERISA
or  subject  to the minimum funding standards under Section 412 of the Code that
either  (a) is maintained by a member of the Controlled Group for employees of a
member  of  the  Controlled  Group or (b) is maintained pursuant to a collective
bargaining agreement or any other arrangement under which more than one employer
makes contributions and to which a member of the Controlled Group is then making
or accruing an obligation to make contributions or has within the preceding five
plan  years  made  contributions.

     "Property"  means, as to any Person, all types of real, personal, tangible,
intangible or mixed property owned by such Person whether or not included in the
most  recent  balance  sheet  of  such  Person  and its subsidiaries under GAAP.

     "Reimbursement  Obligation"  is  defined  in  Section  1.2(c)  hereof.

     "Required  Lenders" means, as of the date of determination thereof, Lenders
whose  outstanding  Loans  and  interests  in  Letters  of  Credit  and  Unused
Commitments  constitute  more  than  66-2/3% of the sum of the total outstanding
Loans,  interests  in  Letters of Credit, and Unused Commitments of the Lenders.

                                       25
<PAGE>
     "Revolving Credit" means the credit facility for making Revolving Loans and
issuing  Letters  of  Credit  described  in  Sections  1.1  and  1.2  hereof.

     "Revolving  Loan"  is  defined  in  Section  1.1 hereof and, as so defined,
includes  a  Base  Rate  Loan or a Eurodollar Loan, each of which is a "type" of
Revolving  Loan  under  the  Revolving  Credit.

     "Revolving  Note"  is  defined  in  Section  1.10  hereof.

     "S&P"  means  Standard  &  Poor's Ratings Services Group, a division of The
McGraw-Hill  Companies,  Inc.

     "Subsidiary"  means,  as  to  any  particular  parent  corporation  or
organization,  any  other  corporation  or  organization  more  than  50% of the
outstanding Voting Stock of which is at the time directly or indirectly owned by
such  parent  corporation  or  organization or by any one or more other entities
which  are  themselves  subsidiaries of such parent corporation or organization.
Unless  otherwise  expressly  noted  herein,  the  term  "Subsidiary"  means  a
Subsidiary of the Company or any other Credit Party or of any of their direct or
indirect  Subsidiaries,  as  applicable.

     "Swing  Line"  means the credit facility for making one or more Swing Loans
described  in  Section  1.15  hereof.

     "Swing  Line  Sublimit"  means $2,500,000, as reduced pursuant to the terms
hereof.

     "Swing  Loan"  and  "Swing  Loans"  each is defined in Section 1.15 hereof.

     "Swing  Note"  is  defined  in  Section  1.11  hereof.

     "TARGET Settlement Day" means any day on which the Trans-European Automated
Real-Time  Gross  Settlement  Express  Transfer  (TARGET)  System  is  open.

     "Telerate  Page"  means  the display designated on the Telerate Service (or
such  other  service  as may be nominated by the British Bankers' Association as
the  information  vendor  for  the  purpose  of  displaying  British  Bankers'
Association  Interest  Settlement  Rates)  for  U.S.  Dollar deposits (currently
displayed on Page 3750) or for deposits of the relevant Alternative Currency, as
applicable.

     "Termination  Date"  means April 3, 2005, or such earlier date on which the
Commitments are terminated in whole pursuant to Section 1.12, 9.2 or 9.3 hereof.

     "Total  Consideration"  means the total amount (but without duplication) of
(a)  cash paid in connection with any Acquisition, plus (b) indebtedness payable
to  the  seller  in  connection  with such Acquisition, plus (c) the fair market
value  of  any  equity  securities,  including any warrants or options therefor,
delivered  in  connection  with  any  Acquisition, plus (d) the present value of
covenants  not  to  compete  entered into in connection with such Acquisition or
other  future  payments  which are required to be made over a period of time and
are  not  contingent  upon  the  Borrower  or  its  Subsidiary meeting financial
performance  objectives  (exclusive  of  salaries paid in the ordinary course of
business)  (discounted at the Base Rate), but only to the extent not included in
clause  (a),  (b)  or  (c) above, plus (e) the amount of indebtedness assumed in
connection  with  such  Acquisition.

                                       26
<PAGE>
     "Total  Funded  Debt"  means, at any time the same is to be determined, the
aggregate  of  all  Indebtedness  for  Borrowed  Money  of  the  Company and its
Subsidiaries  at such time, including all Indebtedness for Borrowed Money of any
other  Person  which  is directly or indirectly guaranteed by the Company or any
Subsidiary  or  which  the Company or any Subsidiary has agreed (contingently or
otherwise)  to  purchase or otherwise acquire or in respect of which the Company
or  any  Subsidiary  has  otherwise  assured  a  creditor  against  loss.

     "Unfunded  Vested  Liabilities" means, for any Plan at any time, the amount
(if  any)  by  which  the  present  value  of  all vested nonforfeitable accrued
benefits  under  such  Plan  exceeds  the  fair  market value of all Plan assets
allocable  to such benefits, all determined as of the then most recent valuation
date  for  such  Plan,  but  only  to  the  extent that such excess represents a
potential  liability of a member of the Controlled Group to the PBGC or the Plan
under  Title  IV  of  ERISA.

     "Unused  Commitments"  means,  at  any  time,  the  difference  between the
Commitments  then  in  effect  and the aggregate outstanding principal amount of
Revolving  Loans and L/C Obligations, provided that Swing Loans outstanding from
time  to  time  shall  be  deemed  to  reduce  the  Unused  Commitment  of  the
Administrative  Agent for purposes of computing the commitment fee under Section
2.1(a)  hereof.

     "U.S.  Dollar  Equivalent"  means the amount of U.S. Dollars which would be
realized  by  converting  the relevant Alternative Currency into U.S. Dollars in
the  spot  market  at  the  exchange rate quoted by the Administrative Agent, at
approximately  11:00  a.m.  (London time) two Business Days prior to the date on
which  a  computation  thereof  is  required  to  be made, to major banks in the
interbank  foreign  exchange  market  for  the purchase of U.S. Dollars for such
Alternative  Currency.

     "U.S.  Dollars" and "$" each means the lawful currency of the United States
of  America.

     "Voting  Stock" of any Person means capital stock or other equity interests
of  any  class  or  classes  (however  designated) having ordinary power for the
election of directors or other similar governing body of such Person, other than
stock  or  other  equity  interests  having  such  power  only  by reason of the
happening  of  a  contingency.

     "Welfare  Plan" means a "welfare plan" as defined in Section 3(1) of ERISA.

     "Wholly-owned Subsidiary" means a Subsidiary of which all of the issued and
outstanding  shares of capital stock (other than directors' qualifying shares as
required  by law) or other equity interests are owned by any Borrower and/or one
or  more  Wholly-owned  Subsidiaries  within  the  meaning  of  this definition.

     Section  5.2.     Interpretation.  The  foregoing  definitions  are equally
applicable  to  both  the  singular  and plural forms of the terms defined.  The
words  "hereof", "herein", and "hereunder" and words of like import when used in
this  Agreement  shall  refer  to  this  Agreement  as  a  whole  and not to any
particular  provision  of  this Agreement.  All references to time of day herein
are  references  to  Chicago,  Illinois,  time  unless  otherwise  specifically
provided.  Where  the  character  or amount of any asset or liability or item of
income  or  expense  is  required to be determined or any consolidation or other
accounting  computation  is  required  to  be  made  for  the  purposes  of this
Agreement, it shall be done in accordance with GAAP except where such principles
are  inconsistent  with  the  specific  provisions  of  this  Agreement.

     Section  5.3.     Change  in  Accounting Principles.  If, after the date of
this  Agreement,  there  shall  occur  any change in GAAP from those used in the
preparation  of  the  financial statements referred to in Section 6.5 hereof and
such  change  shall  result  in  a  change  in  the method of calculation of any
financial  covenant,  standard  or  term  found  in  this  Agreement, either the

                                       27
<PAGE>
Borrowers  or  the  Required  Lenders  may  by  notice  to  the  Lenders and the
Borrowers, respectively, require that the Lenders and the Borrowers negotiate in
good  faith  to  amend  such  covenants,  standards, and term so as equitably to
reflect such change in accounting principles, with the desired result being that
the  criteria  for evaluating the financial condition of the Borrowers and their
Subsidiaries shall be the same as if such change had not been made.  No delay by
the  Borrowers or the Required Lenders in requiring such negotiation shall limit
their  right to so require such a negotiation at any time after such a change in
accounting principles.  Until any such covenant, standard, or term is amended in
accordance  with  this  Section  5.3,  financial covenants shall be computed and
determined  in accordance with GAAP in effect prior to such change in accounting
principles.  Without  limiting  the  generality  of the foregoing, the Borrowers
shall  neither  be  deemed  to  be  in  compliance  with  any financial covenant
hereunder  nor  out  of compliance with any financial covenant hereunder if such
state  of  compliance  or noncompliance, as the case may be, would not exist but
for  the  occurrence of a change in accounting principles after the date hereof.

Section  6.     Representations  and  Warranties.

     To  induce  the  Lenders  to  enter  into  this  Agreement  and to make the
extensions  of credit contemplated hereby, each of the Credit Parties represents
and  warrants  to  the  Administrative  Agent  and  the  Lenders  as  follows:

     Section 6.1.     Organization and Qualification.  Each Credit Party is duly
organized,  validly  existing  and  in  good  standing  under  the  laws  of the
jurisdiction  of  its  organization,  has  full  and  adequate  power to own its
Property  and  conduct  its  business  as now conducted, and is duly licensed or
qualified  and  in good standing in each jurisdiction in which the nature of the
business  conducted  by  it  or the nature of the Property owned or leased by it
requires  such  licensing or qualifying, except where the failure to do so would
not  have  a  Material  Adverse  Effect.

     Section  6.2.     Subsidiaries.  The  Company  holds 100% of the issued and
outstanding stock of each of the Borrowers.  Each Subsidiary of the Borrowers is
duly  organized,  validly  existing  and  in good standing under the laws of the
jurisdiction  in  which it is incorporated or organized, as the case may be, has
full  and  adequate  power  to  own its Property and conduct its business as now
conducted,  and  is  duly  licensed  or  qualified  and in good standing in each
jurisdiction  in  which the nature of the business conducted by it or the nature
of  the  Property  owned  or leased by it requires such licensing or qualifying,
except  where  the  failure  to  do so would not have a Material Adverse Effect.
Schedule  6.2  hereto  identifies  each  Subsidiary,  the  jurisdiction  of  its
incorporation  or organization, as the case may be, the percentage of issued and
outstanding  shares of each class of its capital stock or other equity interests
owned  by  the  Company,  any  Borrower  and the other Subsidiaries and, if such
percentage  is  not  100% (excluding directors' qualifying shares as required by
law),  a  description  of  each  class of its authorized capital stock and other
equity  interests and the number of shares of each class issued and outstanding.
All  of  the  outstanding  shares of capital stock and other equity interests of
each  Subsidiary  are  validly  issued  and  outstanding  and  fully  paid  and
nonassessable  and  all  such  shares  and  other  equity interests indicated on
Schedule  6.2  as  owned  by  the  Company, a Borrower or another Subsidiary are
owned,  beneficially  and  of  record,  by  the  Company,  such Borrower or such
Subsidiary,  as  the  case  may  be,  free and clear of all Liens.  There are no
outstanding  commitments or other obligations of any Subsidiary to issue, and no
options,  warrants  or  other rights of any Person to acquire, any shares of any
class  of  capital  stock  or  other  equity  interests  of  any  Subsidiary.

     Section  6.3.     Authority and Validity of Obligations.  Each Borrower has
full  right  and  authority  to  enter  into  this  Agreement and the other Loan
Documents  executed  by it, to make the borrowings herein provided for, to issue
its  Notes  in  evidence  thereof,  and  to  perform  all  of  its

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<PAGE>
obligations  hereunder  and under the other Loan Documents executed by it.  Each
Guarantor has full right and authority to enter into the Loan Documents executed
by  it,  to guarantee the Obligations, Hedging Liability, and Funds Transfer and
Deposit  Account Liability, and to perform all of its obligations under the Loan
Documents  executed  by  it.  The  Loan Documents delivered by each Credit Party
have  been  duly  authorized,  executed,  and delivered by such Credit Party and
constitute  valid  and  binding  obligations  of  such  Credit Party enforceable
against  it  in  accordance  with  their  terms, except as enforceability may be
limited  by  bankruptcy,  insolvency,  fraudulent  conveyance  or  similar  laws
affecting  creditors'  rights  generally  and  general  principles  of  equity
(regardless  of  whether  the  application of such principles is considered in a
proceeding in equity or at law); and this Agreement and the other Loan Documents
do not, nor does the performance or observance by any Credit Party of any of the
matters  and things herein or therein provided for, (a) contravene or constitute
a  default  under  any  provision  of  law or any judgment, injunction, order or
decree  binding  upon  any  Credit  Party or any provision of the organizational
documents  (e.g.,  charter,  articles  of  incorporation or by-laws, articles of
association  or  operating  agreement,  partnership  agreement  or other similar
document)  of any Credit Party, (b) contravene or constitute a default under any
covenant,  indenture or agreement of or affecting any Credit Party or any of its
Property,  in  each case where such contravention or default, individually or in
the  aggregate,  could  reasonably be expected to have a Material Adverse Effect
or  (c)  result in the creation or imposition of any Lien on any Property of any
Credit  Party.

     Section  6.4.     Use  of  Proceeds; Margin Stock.  The Borrowers shall use
the  proceeds  of the Revolving Credit and the Swing Loans to refinance existing
indebtedness  and  for  its  general working capital purposes and for such other
legal  and  proper purposes as are consistent with all applicable laws.  Neither
any  Borrower  nor any Subsidiary is engaged in the business of extending credit
for  the  purpose  of purchasing or carrying margin stock (within the meaning of
Regulation  U  of  the Board of Governors of the Federal Reserve System), and no
part of the proceeds of any Loan or any other extension of credit made hereunder
will  be  used to purchase or carry any such margin stock or to extend credit to
others  for the purpose of purchasing or carrying any such margin stock.  Margin
stock  (as  hereinabove defined) constitutes less than 25% of the assets of each
Borrower  and  its  Subsidiaries  which  are  subject to any limitation on sale,
pledge  or  other  restriction  hereunder.

     Section 6.5.     Financial Reports.   The consolidated balance sheet of the
Company  and  its  Subsidiaries  as  at  December  31,  2001,  and  the  related
consolidated  statements  of  income,  retained  earnings  and cash flows of the
Company  and  its  Subsidiaries for the fiscal year then ended, and accompanying
notes thereto, which financial statements are accompanied by the audit report of
Arthur Andersen LLP, independent public accountants, heretofore furnished to the
Administrative  Agent and the Lenders, fairly present the consolidated financial
condition  of  the  Company  and  its  Subsidiaries  as  at  said  date  and the
consolidated  results  of  their  operations  and cash flows for the period then
ended  in  conformity  with  GAAP  applied  on  a consistent basis.  Neither the
Company  nor  any  of  its  Subsidiaries  has  contingent  liabilities which are
material  to  it  other  than as indicated on such financial statements or, with
respect  to  future  periods,  on the financial statements furnished pursuant to
Section  8.5  hereof.

     Section  6.6.     No  Material  Adverse  Change.  Since  December 31, 2001,
there  has  been  no  change  in  the  condition (financial or otherwise) of the
Company  or  any  Subsidiary  except  those  occurring in the ordinary course of
business,  none  of  which individually or in the aggregate have been materially
adverse.

     Section 6.7.     Full Disclosure.  The statements and information furnished
to  the  Administrative Agent and the Lenders in connection with the negotiation
of  this  Agreement  and  the  other  Loan  Documents and the commitments by the
Lenders  to  provide  all  or  part  of the financing contemplated hereby do not
contain  any  untrue  statements  of  a  material  fact  or omit a material fact
necessary  to  make  the  material  statements  contained  herein or therein not

                                       29
<PAGE>
misleading,  the  Administrative  Agent and the Lenders acknowledging that as to
any  projections  furnished  to  the  Administrative  Agent and the Lenders, the
Credit  Parties  only  represent  that  the  same  were prepared on the basis of
information  and  estimates  the  Credit  Parties  believed  to  be  reasonable.

     Section  6.8.     Trademarks,  Franchises, and Licenses.  Each Credit Party
and  its  Subsidiaries  own,  possess,  or  have  the right to use all necessary
patents,  licenses,  franchises,  trademarks,  trade  names,  trade  styles,
copyrights, trade secrets, know how, and confidential commercial and proprietary
information to conduct their businesses as now conducted, without known conflict
with  any  patent,  license,  franchise,  trademark,  trade  name,  trade style,
copyright  or  other  proprietary  right  of  any  other  Person.

     Section  6.9.     Governmental  Authority and Licensing.  Each Credit Party
and  its  Subsidiaries have received all licenses, permits, and approvals of all
federal, state, and local governmental authorities, if any, necessary to conduct
their  businesses, in each case where the failure to obtain or maintain the same
could  reasonably  be  expected  to  have  a  Material  Adverse  Effect.  No
investigation  or proceeding which, if adversely determined, could reasonably be
expected  to  result  in revocation or denial of any material license, permit or
approval  is  pending  or,  to  the  knowledge  of any Credit Party, threatened.

     Section  6.10.     Good Title.  Each Credit Party and its Subsidiaries have
good  and  defensible  title  (or  valid leasehold interests) to their assets as
reflected  on  the  most  recent  consolidated  balance  sheet  furnished to the
Administrative Agent and the Lenders (except for sales of assets in the ordinary
course  of  business),  subject  to  no  Liens  other  than  such thereof as are
permitted  by  Section  8.8  hereof.

     Section  6.11.     Litigation  and  Other  Controversies.  There  is  no
litigation  or  governmental proceeding or labor controversy pending, nor to the
knowledge  of  any  Credit  Party  threatened,  against  any Credit Party or any
Subsidiary  which  if  adversely  determined,  individually or in the aggregate,
could  reasonably  be  expected  to  have  a  Material  Adverse  Effect.

     Section  6.12.     Taxes.  All  tax  returns  required  to  be filed by any
Credit  Party  (to the best of such Credit Party's knowledge with respect to any
local  tax  returns)  or  any Subsidiary in any jurisdiction have, in fact, been
filed, and all taxes, assessments, fees, and other governmental charges upon any
Credit  Party  or  any  Subsidiary  or  upon  any  of  its  Property,  income or
franchises,  which  are  shown  to be due and payable in such returns, have been
paid,  except such taxes, assessments, fees and governmental charges, if any, as
are  being  contested in good faith and by appropriate proceedings which prevent
enforcement  of  the  matter  under  contest  and  as to which adequate reserves
established  in  accordance with GAAP have been provided.  No Credit Party knows
of  any  proposed  additional  tax assessment against it or its Subsidiaries for
which  adequate  provisions  in accordance with GAAP have not been made on their
accounts.  Adequate provisions in accordance with GAAP for taxes on the books of
each  Credit  Party  and its Subsidiaries have been made for all open years, and
for  each  such  Person's  current  fiscal  period.

     Section  6.13.     Approvals.  No  authorization,  consent,  license  or
exemption  from,  or  filing  or  registration  with,  any court or governmental
department,  agency or instrumentality, nor any approval or consent of any other
Person,  is or will be necessary to the valid execution, delivery or performance
by  any  Credit Party of any Loan Document, except for such approvals which have
been  obtained  prior to the date of this Agreement and remain in full force and
effect  and except where failure to obtain such authorization, consent, license,
exemption,  registration  or  approval would not have a Material Adverse Effect.

     Section 6.14.     Affiliate Transactions.  Neither any Credit Party nor any
Subsidiary  is a party to any contracts or agreements with any of its Affiliates
(other  than  with  Wholly-owned

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<PAGE>
Subsidiaries)  on  terms  and conditions which are less favorable to such Credit
Party  or such Subsidiary than would be usual and customary in similar contracts
or  agreements  between  Persons  not  affiliated  with  each  other.

     Section  6.15.     Investment  Company;  Public  Utility  Holding  Company.
Neither  any  Credit  Party  nor  any Subsidiary is an "investment company" or a
company  "controlled"  by  an  "investment  company"  within  the meaning of the
Investment  Company  Act  of  1940,  as  amended,  or  a "public utility holding
company"  within  the meaning of the Public Utility Holding Company Act of 1935,
as  amended.

     Section  6.16.     ERISA.  Each  Credit  Party and each other member of its
Controlled  Group  has  fulfilled  its  obligations  under  the  minimum funding
standards  of  and  is in compliance in all material respects with ERISA and the
Code  to  the  extent applicable to it and has not incurred any liability to the
PBGC  or  a  Plan under Title IV of ERISA other than a liability to the PBGC for
premiums  under  Section  4007  of  ERISA.  Neither  any  Credit  Party  nor any
Subsidiary  has  any  contingent liabilities with respect to any post-retirement
benefits  under  a  Welfare Plan, other than liability for continuation coverage
described  in  article  6  of  Title  I  of  ERISA.

     Section  6.17.     Compliance  with  Laws.  The  Credit  Parties  and their
Subsidiaries  are  in compliance with the requirements of all federal, state and
local  laws, rules and regulations applicable to or pertaining to their Property
or  business  operations (including, without limitation, the Occupational Safety
and  Health  Act  of  1970,  the  Americans  with  Disabilities Act of 1990, and
Environmental  Laws),  where  any  such  non-compliance,  individually or in the
aggregate,  could  reasonably  be  expected  to  have a Material Adverse Effect.
Neither  any  Credit  Party nor any Subsidiary has received notice to the effect
that  its  operations  are  not  in  compliance  with any of the requirements of
applicable  federal,  state  or local environmental, health, and safety statutes
and  regulations  or is the subject of any governmental investigation evaluating
whether  any  remedial  action is needed to respond to a release of any toxic or
hazardous waste or substance into the environment, where any such non-compliance
or  remedial  action,  individually  or  in  the  aggregate, could reasonably be
expected  to  have  a  Material  Adverse  Effect.

     Section  6.18.     Other  Agreements.  Neither  any  Credit  Party  nor any
Subsidiary is in default under the terms of any covenant, indenture or agreement
of  or  affecting  such  Person or any of its Property, which default if uncured
could  reasonably  be  expected  to  have  a  Material  Adverse  Effect.

     Section  6.19.     Solvency.  Each  Credit  Party  and its Subsidiaries are
solvent, able to pay their debts as they become due, and have sufficient capital
to carry on their business and all businesses in which they are about to engage.

     Section  6.20.     No Default.  No Default or Event of Default has occurred
and  is  continuing.

Section  7.     Conditions  Precedent.

     The  obligation  of  each  Lender  to advance, continue or convert any Loan
(other than the continuation of, or conversion into, a Base Rate Loan) or of the
L/C  Issuer to issue, extend the expiration date (including by not giving notice
of  non-renewal)  of  or  increase the amount of any Letter of Credit under this
Agreement,  shall  be  subject  to  the  following  conditions  precedent:

     Section  7.1.     All  Credit  Events.  At  the  time  of each Credit Event
hereunder:

          (a)  each of the representations and warranties set forth herein shall
     be  and  remain  true and correct as of said time, except to the extent the
     same  expressly  relate  to  an  earlier  date;

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<PAGE>

          (b)  each Credit Party and each Subsidiary shall be in compliance with
     all of the terms and conditions hereof and of the other Loan Documents, and
     no  Default  or  Event  of Default shall have occurred and be continuing or
     would  occur  as  a  result  of  such  Credit  Event;

          (c)  in  the  case of a Borrowing, the Administrative Agent shall have
     received  the  notice  required  by  Section 1.5 hereof, in the case of the
     issuance  of any Letter of Credit the L/C Issuer shall have received a duly
     completed  Application  for  such  Letter  of Credit together with any fees
     called  for  by  Section  2.1  hereof,  and, in the case of an extension or
     increase in the amount of a Letter of Credit, a written request therefor in
     a  form  acceptable  to  the  L/C  Issuer  together with fees called for by
     Section  2.1  hereof;  and

          (d)  such Credit Event shall not violate any order, judgment or decree
     of  any  court  or  other  authority  or any provision of law or regulation
     applicable  to  the  Administrative Agent or any Lender (including, without
     limitation,  Regulation  U of the Board of Governors of the Federal Reserve
     System)  as  then  in  effect.

     Each  request  for  a Borrowing hereunder and each request for the issuance
of,  increase in the amount of, or extension of the expiration date of, a Letter
of  Credit  shall be deemed to be a representation and warranty by the Borrowers
on  the  date  of such Credit Event as to the facts specified in subsections (a)
through  (c),  both  inclusive,  of  this  Section.

     Section  7.2.     Initial  Credit  Event.  Before  or concurrently with the
initial  Credit  Event:

          (a)  the Administrative Agent shall have received for each Lender this
     Agreement  duly  executed by the Borrowers, the Guarantors party hereto and
     the  Lenders;

          (b)  the Administrative Agent shall have received for each Lender such
     Lender's  duly  executed  Notes  dated  the  date  hereof  and otherwise in
     compliance  with  the  provisions  of  Section  1.10  hereof;

          (c) the Administrative Agent shall have received evidence satisfactory
     to  it  that,  simultaneously  with  the  initial  advance  hereunder,  the
     obligations  of  the Borrowers under the Existing Credit Agreement are paid
     in  full  and  the  Existing  Credit  Agreement  is  cancelled;

          (d)  the  Company  shall  have  completed  a secondary equity issuance
     pursuant  to  the  Company's  prospectus  dated  on or about March 27, 2002
     offering  1,500,000  shares of common stock and received net proceeds of at
     least  $20,000,000,  and  the  Administrative  Agent  shall  have  received
     satisfactory  evidence  thereof;

          (e) the Administrative Agent shall have received copies of each Credit
     Party's  articles of incorporation and bylaws (or comparable organizational
     documents)  and  any  amendments thereto, certified in each instance by its
     Secretary  or  Assistant  Secretary  (or  officer  or  manager  holding  a
     comparable  office);

          (f)  the  Administrative  Agent  shall  have  received for each Lender
     copies of resolutions of each Credit Party's Board of Directors (or similar
     governing body) authorizing the execution, delivery and performance of this
     Agreement  and  the  other  Loan  Documents  to which it is a party and the
     consummation  of the transactions contemplated hereby and thereby, together
     with  specimen  signatures  of  the  persons  authorized  to  execute  such
     documents  on  such  Credit  Party's  behalf,  all  certified  in  each

                                       32
<PAGE>
     instance  by  its  Secretary  or Assistant Secretary (or officer or manager
     holding  a  comparable  office);

          (g)  the  Administrative  Agent  shall  have  received for each Lender
     copies of the certificates of good standing for each Credit Party (dated no
     earlier  than  30  days  prior  to  the date hereof) from the office of the
     secretary  of  the  state  of its incorporation or organization and of each
     state  in  which it is qualified to do business as a foreign corporation or
     organization;

          (h)  the  Administrative  Agent  shall have received for each Lender a
     list  of  each  Borrower's  Authorized  Representatives;

          (i) the Administrative Agent shall have received evidence satisfactory
     to it that the Borrowers' EBITDA for the period ended December 31, 2001 was
     equal  to  or  greater  than  $40,000,000;

          (j)  the  Administrative  Agent shall have received for itself and for
     the  Lenders  the  initial  fees  called  for  by  Section  2.1  hereof;

          (k)  each  Lender  shall  have  received  such  evaluations  and
     certifications  as  it may reasonably require in order to satisfy itself as
     to the financial condition of the Borrowers and their Subsidiaries, and the
     lack  of  material  contingent  liabilities  of  the  Borrowers  and  their
     Subsidiaries;

          (l)  the  Administrative  Agent  shall  have received pay-off and lien
     release  letters  from  secured  creditors  of the Borrowers setting forth,
     among  other things, the total amount of indebtedness outstanding and owing
     to  them  (or  outstanding  letters of credit issued for the account of any
     Borrower)  and  containing  an  undertaking to cause to be delivered to the
     Administrative  Agent UCC termination statements and any other lien release
     instruments  necessary  to  release  their  Liens  on  the  assets  of  the
     Borrowers,  which  pay-off  and  lien  release letters shall be in form and
     substance  acceptable  to  the  Administrative  Agent;

          (m)  the  Administrative Agent shall have received for each Lender the
     favorable  written  opinion  of  counsel to the Credit Parties, in form and
     substance  satisfactory  to  the  Administrative  Agent;  and

          (n)  the  Administrative  Agent shall have received for the account of
     the  Lenders  such  other agreements, instruments, documents, certificates,
     and  opinions  as  the  Administrative  Agent  may  reasonably  request.

Section  8.     Covenants.

     The  Credit Parties agree that, so long as any credit is available to or in
use by the Borrowers, or any of them, hereunder, except to the extent compliance
in any case or cases is waived in writing pursuant to the terms of Section 13.13
hereof:

     Section  8.1.     Maintenance  of  Business.

     (a)     Each  Credit  Party  shall,  and  shall  cause  each Subsidiary to,
preserve  and  maintain  its  existence, except as otherwise provided in Section
8.10(c)  hereof.

     (b)     Each  Credit  Party  shall,  and  shall  cause  each Subsidiary to,
preserve  and  keep  in  force  and  effect  all  licenses, permits, franchises,
approvals,  patents,  trademarks,  trade  names,

                                       33
<PAGE>
trade  styles,  copyrights, and other proprietary rights necessary to the proper
conduct  of its business where the failure to do so could reasonably be expected
to  have  a  Material  Adverse  Effect.

     Section  8.2.     Maintenance  of Properties.  Each Credit Party shall, and
shall  cause  each  Subsidiary  to,  maintain,  preserve, and keep its Property,
plant,  and  equipment  used  or  useful in its business in good repair, working
order  and  condition  (ordinary wear and tear excepted), and shall from time to
time make all needful and proper repairs, renewals, replacements, additions, and
betterments  thereto  so that at all times the efficiency thereof shall be fully
preserved  and  maintained.

     Section  8.3.     Taxes  and Assessments.  Each Credit Party shall duly pay
and  discharge,  and  shall cause each Subsidiary to duly pay and discharge, all
taxes,  rates, assessments, fees, and governmental charges upon or against it or
its  Property,  in  each  case  before  the  same  become  delinquent and before
penalties  accrue  thereon,  unless  and  to  the extent that the same are being
contested in good faith and by appropriate proceedings which prevent enforcement
of  the  matter  under  contest  and adequate reserves are provided therefor and
except  to  the  extent  that  failure  to  so pay or discharge would not have a
Material  Adverse  Effect.

     Section  8.4.     Insurance.  Each  Credit  Party  shall  insure  and  keep
insured,  and  shall cause each Subsidiary to insure and keep insured, with good
and responsible insurance companies, all insurable Property owned by it which is
of  a character usually insured by Persons similarly situated and operating like
Properties  against  loss  or  damage  from  such hazards and risks, and in such
amounts,  as  are  insured  by  Persons  similarly  situated  and operating like
Properties;  and each Credit Party shall insure, and shall cause each Subsidiary
to  insure,  such  other  hazards  and  risks  (including,  without  limitation,
employers'  and  public  liability  risks)  with  good and responsible insurance
companies as and to the extent usually insured by Persons similarly situated and
conducting similar businesses.  Each Credit Party shall, upon the request of the
Administrative  Agent,  furnish  to  the  Administrative Agent and the Lenders a
certificate setting forth in summary form the nature and extent of the insurance
maintained  pursuant  to  this  Section.

     Section  8.5.     Financial  Reports.  The  Company  shall, and shall cause
each  Subsidiary to, maintain a standard system of accounting in accordance with
GAAP.  The  Company and each Borrower shall furnish to the Administrative Agent,
each  Lender  and each of their duly authorized representatives such information
respecting  the  business  and financial condition of the Company, the Borrowers
and their respective Subsidiaries as the Administrative Agent or such Lender may
reasonably request; and without any request, the Company and the Borrowers shall
furnish  to  the  Administrative  Agent  and  the  Lenders:

          (a)  as  soon  as available, and in any event within 45 days after the
     close  of each fiscal quarter of each fiscal year of the Company, a copy of
     the  consolidated  and  consolidating  balance sheet of the Company and its
     Subsidiaries as of the last day of such fiscal quarter and the consolidated
     and  consolidating  statements of income, retained earnings, and cash flows
     of  the  Company  and  its  Subsidiaries for the fiscal quarter and for the
     fiscal year-to-date period then ended, each in reasonable detail showing in
     comparative  form  the figures for the corresponding date and period in the
     previous  fiscal  year,  prepared  by  the  Company in accordance with GAAP
     (subject  to  the  absence  of  footnote  disclosures  and  year-end  audit
     adjustments)  and  certified  to  by its chief financial officer or another
     officer  of  the  Company  acceptable  to  the  Administrative  Agent;

          (b)  as  soon  as available, and in any event within 90 days after the
     close  of  each  fiscal year of the Company, a copy of the consolidated and
     consolidating  balance  sheet of the Company and its Subsidiaries as of the
     last  day  of  the  fiscal  year  then  ended  and  the  consolidated  and
     consolidating  statements  of  income,  retained  earnings,  and  cash

                                       34
<PAGE>
     flows  of  the Company and its Subsidiaries for the fiscal year then ended,
     and  accompanying  notes  thereto,  each  in  reasonable  detail showing in
     comparative  form  the figures for the previous fiscal year, accompanied by
     an  unqualified  opinion  of  a  firm  of independent public accountants of
     recognized  national  standing,  selected  by  the  Company  and reasonably
     satisfactory  to  the Administrative Agent and the Required Lenders, to the
     effect  that the financial statements have been prepared in accordance with
     GAAP  and present fairly in accordance with GAAP the consolidated financial
     condition  of  the  Company  and  its  Subsidiaries as of the close of such
     fiscal  year  and  the  results  of their operations and cash flows for the
     fiscal  year  then  ended  and  that  an  examination  of  such accounts in
     connection  with such financial statements has been made in accordance with
     generally  accepted  auditing  standards and, accordingly, such examination
     included  such  tests  of  the  accounting  records and such other auditing
     procedures  as  were  considered  necessary  in  the  circumstances;

          (c)  within  the  period provided in subsection (b) above, the written
     statement  of  the  accountants  who  certified  the  audit  report thereby
     required  that in the course of their audit they have obtained no knowledge
     of  any  Default or Event of Default, or, if such accountants have obtained
     knowledge  of  any such Default or Event of Default, they shall disclose in
     such  statement  the  nature  and  period  of  the  existence  thereof;

          (d)  promptly  after  receipt thereof, any additional written reports,
     management  letters  or  other  detailed  information  contained in writing
     concerning  significant  aspects  of  the  Company's  or  any  Subsidiary's
     operations  and  financial  affairs  given  to it by its independent public
     accountants;

          (e)  promptly  after  the  sending  or  filing thereof, copies of each
     financial  statement, report, notice or proxy statement sent by the Company
     or  any  Subsidiary to its stockholders or other equity holders, and copies
     of  each  regular,  periodic  or  special report, registration statement or
     prospectus  (including all Form 10-K, Form 10-Q and Form 8-K reports) filed
     by  the  Company  or  any  Subsidiary  with  any securities exchange or the
     Securities  and  Exchange  Commission  or  any  successor  agency;

          (f)  promptly  after receipt thereof, a copy of each audit made by any
     regulatory agency of the books and records of the Company or any Subsidiary
     or  of  notice  of  any  material  noncompliance  with  any applicable law,
     regulation  or  guideline relating to the Company or any Subsidiary, or its
     business;

          (g)  notice  of  any  Change  in  Control;

          (h)  promptly after knowledge thereof shall have come to the attention
     of  any  responsible  officer  of  any  Credit Party, written notice of any
     threatened  or  pending  litigation  or  governmental  proceeding  or labor
     controversy  against  the  Company  or  any  Subsidiary which, if adversely
     determined,  could reasonably be expected to have a Material Adverse Effect
     or  of  the  occurrence  of  any Default or Event of Default hereunder; and

          (i)  with  each  of  the financial statements furnished to the Lenders
     pursuant  to  subsections  (a)  and (b) above, a written certificate in the
     form  attached hereto as Exhibit E signed by the chief financial officer of
     the  Company  or  another  officer  of  the  Company  acceptable  to  the
     Administrative  Agent  to  the  effect  that  to the best of such officer's
     knowledge and belief no Default or Event of Default has occurred during the
     period  covered  by  such  statements  or,  if any such Default or Event of
     Default  has  occurred  during  such period, setting forth a description of
     such  Default  or Event of Default and specifying the action, if any, taken
     by  the  Credit  Parties  or  any  Subsidiary  to

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<PAGE>
     remedy  the  same.  Such  certificate shall also set forth the calculations
     supporting  such  statements  in  respect of Sections 8.21 and 8.22 hereof.

     Section  8.6.     Inspection.  The  Credit  Parties  shall, and shall cause
each  Subsidiary  to,  permit the Administrative Agent, each Lender, and each of
their duly authorized representatives and agents to visit and inspect any of its
Property,  corporate books, and financial records, to examine and make copies of
its  books  of accounts and other financial records, and to discuss its affairs,
finances,  and accounts with, and to be advised as to the same by, its officers,
employees  and independent public accountants (and by this provision each Credit
Party  hereby  authorizes  such  accountants  to discuss with the Administrative
Agent  and  such  Lenders  the finances and affairs of such Credit Party and its
Subsidiaries) at such reasonable times and intervals as the Administrative Agent
or  any such Lender may designate and, so long as no Default or Event of Default
exists,  with  reasonable  prior  notice  to  the  Borrowers.

     Section  8.7.     Borrowings and Guaranties.  The Credit Parties shall not,
nor  shall  they  permit any Subsidiary to, issue, incur, assume, create or have
outstanding  any  Indebtedness  for  Borrowed  Money,  or be or become liable as
endorser, guarantor, surety or otherwise for any debt, obligation or undertaking
of  any  other  Person,  or  otherwise agree to provide funds for payment of the
obligations  of  another, or supply funds thereto or invest therein or otherwise
assure  a creditor of another against loss, or apply for or become liable to the
issuer  of  a  letter  of  credit  which  supports  an obligation of another, or
subordinate  any claim or demand it may have to the claim or demand of any other
Person;  provided, however, that the foregoing shall not restrict nor operate to
prevent:

          (a) the Obligations, Hedging Liability, and Funds Transfer and Deposit
     Account  Liability  of  the  Borrowers  and their Subsidiaries owing to the
     Administrative  Agent  and  the  Lenders  (and  their  Affiliates);

          (b)  the  Guaranties;

          (c)  purchase  money indebtedness and Capitalized Lease Obligations of
     the  Borrower  and  its Subsidiaries in an amount not to exceed $500,000 in
     the  aggregate  at  any  one  time  outstanding;

          (d) endorsement of items for deposit or collection of commercial paper
     received  in  the  ordinary  course  of  business;

          (e)  unsecured  intercompany  indebtedness  among  the Company and its
     Subsidiaries,  provided  that  any  such  indebtedness  shall  be  fully
     subordinated  to  the  Obligations  on terms reasonably satisfactory to the
     Administrative  Agent;  and

          (f)  other  unsecured  indebtedness  and  guaranty  obligations  not
     otherwise  permitted  by this Section in an amount not to exceed $1,000,000
     in  the  aggregate  at  any  one  time  outstanding.

     Section  8.8.     Liens.  The  Credit  Parties  shall  not,  nor shall they
permit  any Subsidiary to, create, incur or permit to exist any Lien of any kind
on  any Property owned by any such Person; provided, however, that the foregoing
shall  not  apply  to  nor  operate  to  prevent:

          (a) Liens arising by statute in connection with worker's compensation,
     unemployment  insurance,  old  age  benefits,  social security obligations,
     taxes,  assessments,  statutory obligations or other similar charges (other
     than  Liens  arising  under  ERISA), good faith cash deposits in connection
     with  tenders,  contracts  or  leases  to  which  any  Credit  Party or any
     Subsidiary  is  a  party  or other cash deposits required to be made in the

                                       36
<PAGE>
     ordinary  course  of business, provided in each case that the obligation is
     not  for  borrowed money and that the obligation secured is not overdue or,
     if  overdue,  is  being  contested in good faith by appropriate proceedings
     which prevent enforcement of the matter under contest and adequate reserves
     have  been  established  therefor;

          (b)  mechanics',  workmen's,  materialmen's,  landlords', carriers' or
     other similar Liens arising in the ordinary course of business with respect
     to obligations which are not due or which are being contested in good faith
     by  appropriate  proceedings  which prevent enforcement of the matter under
     contest;

          (c)  judgment  liens and judicial attachment liens not constituting an
     Event  of  Default under Section 9.1(g) hereof and the pledge of assets for
     the  purpose  of securing an appeal, stay or discharge in the course of any
     legal proceeding, provided that the aggregate amount of such judgment liens
     and  attachments  and  liabilities  of  the  Credit  Parties  and  their
     Subsidiaries secured by a pledge of assets permitted under this subsection,
     including interest and penalties thereon, if any, shall not be in excess of
     $1,000,000  at  any  one  time  outstanding;

          (d)  Liens  on  property of any Credit Party or any Subsidiary created
     solely for the purpose of securing indebtedness permitted by Section 8.7(c)
     hereof, representing or incurred to finance the purchase price of Property,
     provided  that no such Lien shall extend to or cover other Property of such
     Credit  Party  or  such  Subsidiary  other  than the respective Property so
     acquired, and the principal amount of indebtedness secured by any such Lien
     shall  at no time exceed the purchase price of such Property, as reduced by
     repayments  of  principal  thereon;

          (e)  any  interest or title of a lessor under any operating lease; and

          (f)  easements,  rights-of-way,  restrictions,  and  other  similar
     encumbrances  against  real  property  incurred  in  the ordinary course of
     business  which,  in the aggregate, are not substantial in amount and which
     do not materially detract from the value of the Property subject thereto or
     materially  interfere  with  the  ordinary  conduct  of the business of the
     Borrower  or  any  Subsidiary.

     Section 8.9.     Investments, Acquisitions, Loans and Advances.  The Credit
Parties  shall  not,  nor  shall  they  permit  any  Subsidiary  to, directly or
indirectly,  make,  retain  or have outstanding any investments (whether through
purchase  of stock or obligations or otherwise) in, or loans or advances to, any
other  Person,  or acquire all or any substantial part of the assets or business
of  any  other Person or division thereof; provided, however, that the foregoing
shall  not  apply  to  nor  operate  to  prevent:

          (a)  investments in direct obligations of the United States of America
     or  of  any  agency or instrumentality thereof whose obligations constitute
     full faith and credit obligations of the United States of America, provided
     that  any  such  obligations  shall  mature  within one year of the date of
     issuance  thereof;

          (b)  investments in commercial paper rated at least P-1 by Moody's and
     at  least  A-1  by  S&P  maturing  within  one year of the date of issuance
     thereof;

          (c)  investments in certificates of deposit issued by any Lender or by
     any  United  States  commercial bank having capital and surplus of not less
     than  $100,000,000  which  have  a  maturity  of  one  year  or  less;

                                       37
<PAGE>
          (d) investments in repurchase obligations with a term of not more than
     seven  days  for underlying securities of the types described in subsection
     (a)  above  entered into with any bank meeting the qualifications specified
     in  subsection  (c)  above,  provided  all such agreements require physical
     delivery of the securities securing such repurchase agreement, except those
     delivered  through  the  Federal  Reserve  Book  Entry  System;

          (e)  investments  in  money market funds that invest solely, and which
     are  restricted  by  their  respective  charters  to  invest  solely,  in
     investments  of the type described in the immediately preceding subsections
     (a),  (b),  (c),  and  (d)  above;

          (f)  each  Credit  Party's  investments  from  time  to  time  in  its
     Subsidiaries, and investments made from time to time by any such Subsidiary
     in  one  or  more  of  its  Subsidiaries;

          (g)  intercompany  advances  made from time to time from a Borrower to
     any  one  or more of its Subsidiaries in the ordinary course of business to
     finance  working  capital  needs;

          (h)  Permitted  Acquisitions  so  long  as,  at  the  time  of  such
     Acquisition,  and  immediately  after  giving  effect  thereto,  the Unused
     Commitments  equal  or  exceed  $10,000,000;  and

          (i)  other  investments,  loans,  and  advances  in  addition to those
     otherwise  permitted by this Section in an amount not to exceed $500,000 in
     the  aggregate  at  any  one  time  outstanding.

In  determining  the  amount  of  investments, acquisitions, loans, and advances
permitted under this Section, investments and acquisitions shall always be taken
at  the  original  cost  thereof  (regardless  of any subsequent appreciation or
depreciation  therein),  and  loans and advances shall be taken at the principal
amount  thereof  then  remaining  unpaid.

     Section  8.10.     Mergers,  Consolidations  and Sales.  The Credit Parties
shall  not, nor shall they permit any Subsidiary to, be a party to any merger or
consolidation,  or sell, transfer, lease or otherwise dispose of all or any part
of  its  Property,  including  any disposition of Property as part of a sale and
leaseback  transaction,  or  in  any  event  sell  or  discount (with or without
recourse)  any of its notes or accounts receivable; provided, however, that this
Section  shall  not  apply  to  nor  operate  to  prevent:

          (a) the sale or lease of inventory in the ordinary course of business;

          (b)  the sale, transfer, lease or other disposition of Property of any
     Credit  Party and its Subsidiaries to one another in the ordinary course of
     its  business;

          (c)  the  merger  of  any  Subsidiary of a Borrower with and into such
     Borrower  or  any  other Subsidiary of such Borrower, provided that, in the
     case  of  any merger involving a Borrower, such Borrower is the corporation
     surviving  the  merger;

          (d)  the  sale  of  delinquent  notes  or  accounts  receivable in the
     ordinary  course  of  business for purposes of collection only (and not for
     the  purpose  of  any  bulk  sale  or  securitization  transaction);

          (e)  the  sale, transfer or other disposition of any tangible personal
     property  that,  in the reasonable business judgment of the relevant Credit
     Party  or  its  Subsidiary,

                                       38
<PAGE>
     has  become  obsolete or worn out, and which is disposed of in the ordinary
     course  of  business;  and

          (f)  the sale, transfer, lease or other disposition of Property of any
     Credit  Party  or  any Subsidiary (including any disposition of Property as
     part  of  a  sale  and  leaseback  transaction)  aggregating for the Credit
     Parties  and  their Subsidiaries not more than $1,000,000 during any fiscal
     year  of  the  Credit  Parties.

     Section  8.11.     Maintenance  of  Subsidiaries.  The Credit Parties shall
not  assign,  sell  or  transfer,  nor  shall it permit any Subsidiary to issue,
assign,  sell or transfer, any shares of capital stock or other equity interests
of  a  Subsidiary;  provided,  however,  that the foregoing shall not operate to
prevent  (a)  the  issuance,  sale,  and transfer to any person of any shares of
capital  stock  of a Subsidiary solely for the purpose of qualifying, and to the
extent  legally  necessary  to  qualify,  such  person  as  a  director  of such
Subsidiary  and  (b)  any  transaction  permitted  by  Section  8.10(c)  above.

     Section  8.12.     Dividends  and  Certain  Other Restricted Payments.  The
Credit  Parties  shall not, nor shall they permit any Subsidiary to, (a) declare
or  pay any dividends on or make any other distributions in respect of any class
or  series  of  its  capital  stock or other equity interests or (b) directly or
indirectly  purchase,  redeem, or otherwise acquire or retire any of its capital
stock or other equity interests or any warrants, options, or similar instruments
to  acquire the same; provided, however, that the foregoing shall not operate to
prevent  (i)  the  making  of  dividends  or  distributions  by any Wholly-owned
Subsidiary of any Credit Party to its parent corporation, (ii) dividends payable
solely in the same class of capital stock of such Person and (iii) provided that
(x)  no  Default or Event of Default has occurred and is continuing at such time
or  would  be  directly or indirectly caused as a result thereof on an actual or
pro  forma basis (y) the Company has cash on hand and Unused Commitments, before
and  after  giving effect to the subject repurchase, of at least $10,000,000 and
(z)  the  Company  shall have delivered to the Administrative Agent, a liquidity
certificate  in  the  form  attached  hereto  as  Exhibit  H signed by the chief
financial officer of the Company or another officer of the Company acceptable to
the Administrative Agent, the Company may repurchase shares of its capital stock
on  the  open  market  in  an  aggregate amount not to exceed $10,000,000 in the
aggregate  during  any  fiscal  year.

     Section  8.13.     ERISA.  The  Credit  Parties shall, and shall cause each
Subsidiary  to,  promptly  pay  and  discharge  all  obligations and liabilities
arising  under  ERISA  of  a  character  which  if  unpaid  or unperformed could
reasonably  be expected to result in the imposition of a Lien against any of its
Property.  The  Credit  Parties  shall,  and  shall  cause  each  Subsidiary to,
promptly notify the Administrative Agent and each Lender of:  (a) the occurrence
of  any  reportable  event  (as  defined  in  ERISA) with respect to a Plan, (b)
receipt  of any notice from the PBGC of its intention to seek termination of any
Plan  or  appointment  of  a trustee therefor, (c) its intention to terminate or
withdraw  from any Plan, and (d) the occurrence of any event with respect to any
Plan  which would result in the incurrence by any Credit Party or any Subsidiary
of  any  material  liability,  fine  or penalty, or any material increase in the
contingent  liability  of any Credit Party or any Subsidiary with respect to any
post-retirement  Welfare  Plan  benefit.

     Section 8.14.     Compliance with Laws.  Each Credit Party shall, and shall
cause  each  Subsidiary  to,  comply in all respects with all Legal Requirements
applicable  to  or  pertaining to its Property or business operations, where any
such  non-compliance,  individually  or  in  the  aggregate, could reasonably be
expected  to  have a Material Adverse Effect or result in a Lien upon any of its
Property.

     Section 8.15.     Burdensome Contracts With Affiliates.  The Credit Parties
shall  not,  nor  shall  they permit any Subsidiary to, enter into any contract,
agreement  or  business  arrangement with any of its Affiliates (other than with
Wholly-owned  Subsidiaries)  on  terms  and  conditions

                                       39
<PAGE>
which  are  less favorable to such Credit Party or such Subsidiary than would be
usual  and  customary  in similar contracts, agreements or business arrangements
between  Persons  not  affiliated  with  each  other.

     Section  8.16.     No  Changes  in  Fiscal  Year.  The  fiscal  year of the
Company  and  its Subsidiaries ends on December 31 of each year; and the Company
shall  not,  nor  shall it permit any Subsidiary to, change its fiscal year from
its  present  basis.

     Section  8.17.     Formation  of Subsidiaries.  Promptly upon the formation
or  acquisition  of  any Subsidiary of the Company (whether direct or indirect),
the  Company  shall  provide  the  Administrative  Agent  and the Lenders notice
thereof (at which time Schedule 6.2 shall be deemed amended to include reference
to  such  Subsidiary)  and,  in  the  case  of the formation or acquisition of a
Domestic  Subsidiary  of  the Company, comply with the requirements of Section 4
hereof  on  a  timely  basis.

     Section  8.18.     Change  in  the  Nature of Business.  The Credit Parties
shall  not,  nor  shall they permit any Subsidiary to, engage in any business or
activity  if as a result the general nature of the business of such Credit Party
or  such  Subsidiary  would  be changed in any material respect from the general
nature  of  the  business  engaged  in  by  it  as  of  the  Closing  Date.

     Section 8.19.     Use of Loan Proceeds.  The Borrowers shall use the credit
extended under this Agreement solely for the purposes set forth in, or otherwise
permitted  by,  Section  6.4  hereof.

     Section  8.20.     No  Restrictions.  Except as provided herein, the Credit
Parties  shall  not,  nor  shall  they  permit  any  Subsidiary  to, directly or
indirectly  create or otherwise cause or suffer to exist or become effective any
consensual  encumbrance or restriction of any kind on the ability of such Credit
Party  or  such Subsidiary to:  (a) pay dividends or make any other distribution
on any Subsidiary's capital stock or other equity interests owned by such Credit
Party  or  such Subsidiary, (b) pay any indebtedness owed to any Borrower or any
Subsidiary,  (c)  make  loans or advances to any Borrower or any Subsidiary, (d)
transfer  any of its Property to any Borrower or any Subsidiary or (e) guarantee
the  Obligations and/or grant Liens on its assets to the Administrative Agent as
required  by  the  Loan  Documents.

     Section  8.21.     Leverage  Ratio.  As  of  the  last  day  of each fiscal
quarter  of  the  Company, the Company shall not permit the Leverage Ratio to be
greater  than  1.50  to  1.0.

     Section  8.22.     Interest  Coverage  Ratio.  As  of  the last day of each
fiscal  quarter of the Company, the Company shall maintain a ratio of (a) EBITDA
for  the  four  fiscal  quarters  of  the  Company  then  ended  minus  Capital
Expenditures  during  the  same  four fiscal quarters then ended to (b) Interest
Expense  for  the  same  four fiscal quarters then ended of not less than 3.0 to
1.0.

Section  9.     Events  of  Default  and  Remedies.

     Section 9.1.     Events of Default.  Any one or more of the following shall
constitute  an  "Event  of  Default"  hereunder:

          (a)  default  (i)  in  the  payment when due of all or any part of the
     principal  of  any  Note  (whether at the stated maturity thereof or at any
     other  time  provided  for  in  this  Agreement)  or  of  any Reimbursement
     Obligation or (ii) for a period of five days in the payment when due of all
     or  any  part  of  the interest on any Note (whether at the stated maturity
     thereof  or at any other time provided for in this Agreement) or of any fee
     or  other  Obligation  payable  hereunder or under any other Loan Document;

                                       40
<PAGE>
          (b) default in the observance or performance of any covenant set forth
     in Sections 8.1(a), 8.4, 8.5, 8.7, 8.8, 8.9, 8.10, 8.11, 8.12, 8.21 or 8.22
     hereof;

          (c)  default  in  the observance or performance of any other provision
     hereof  or  of any other Loan Document which is not remedied within 30 days
     after  the earlier of (i) the date on which such failure shall first become
     known  to  any  officer  of  any Borrower or (ii) written notice thereof is
     given  to  the  Borrowers  by  the  Administrative  Agent;

          (d)  any  representation  or warranty made herein or in any other Loan
     Document or in any certificate furnished to the Administrative Agent or the
     Lenders  pursuant  hereto  or thereto or in connection with any transaction
     contemplated  hereby or thereby proves untrue in any material respect as of
     the  date  of  the  issuance  or  making  or  deemed  making  thereof;

          (e)  any  event occurs or condition exists (other than those described
     in  subsections  (a)  through  (d) above) which is specified as an event of
     default under any of the other Loan Documents, or any of the Loan Documents
     shall  for  any reason not be or shall cease to be in full force and effect
     or  is  declared  to be null and void, or any Credit Party takes any action
     for the purpose of terminating, repudiating or rescinding any Loan Document
     executed  by  it  or  any  of  its  obligations  thereunder;

          (f)  default  shall  occur  under  any Indebtedness for Borrowed Money
     issued,  assumed  or  guaranteed  by  any  Credit  Party  or any Subsidiary
     aggregating  in  excess of $1,000,000, or under any indenture, agreement or
     other instrument under which the same may be issued, and such default shall
     continue  for a period of time sufficient to permit the acceleration of the
     maturity  of  any such Indebtedness for Borrowed Money (whether or not such
     maturity  is  in  fact  accelerated), or any such Indebtedness for Borrowed
     Money  shall  not  be  paid  when  due  (whether  by demand, lapse of time,
     acceleration  or  otherwise);

          (g) any judgment or judgments, writ or writs or warrant or warrants of
     attachment,  or any similar process or processes, shall be entered or filed
     against any Credit Party or any Subsidiary, or against any of its Property,
     in  an aggregate amount in excess of $1,000,000 (except to the extent fully
     covered  by  insurance pursuant to which the insurer has accepted liability
     therefor  in  writing), and which remains undischarged, unvacated, unbonded
     or  unstayed  for  a  period  of  30  days;

          (h)  any  Credit  Party  or  any  Subsidiary,  or  any  member  of its
     Controlled  Group,  shall  fail  to  pay  when  due  an  amount  or amounts
     aggregating  in  excess  of $1,000,000 which it shall have become liable to
     pay  to  the PBGC or to a Plan under Title IV of ERISA; or notice of intent
     to  terminate  a Plan or Plans having aggregate Unfunded Vested Liabilities
     in  excess  of  $1,000,000 (collectively, a "Material Plan") shall be filed
     under Title IV of ERISA by any Credit Party or any Subsidiary, or any other
     member  of  its Controlled Group, any plan administrator or any combination
     of the foregoing; or the PBGC shall institute proceedings under Title IV of
     ERISA  to terminate or to cause a trustee to be appointed to administer any
     Material  Plan  or  a  proceeding shall be instituted by a fiduciary of any
     Material  Plan  against any Credit Party Borrower or any Subsidiary, or any
     member  of  its  Controlled  Group, to enforce Section 515 or 4219(c)(5) of
     ERISA  and  such  proceeding  shall  not have been dismissed within 30 days
     thereafter; or a condition shall exist by reason of which the PBGC would be
     entitled  to  obtain  a  decree adjudicating that any Material Plan must be
     terminated;

          (i)  any  Change  of  Control  shall  occur;

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<PAGE>
          (j)  any  Credit  Party  or  any  Subsidiary  shall  (i)  have entered
     involuntarily  against  it  an  order  for  relief  under the United States
     Bankruptcy  Code,  as  amended,  (ii)  not  pay,  or  admit  in writing its
     inability  to  pay,  its  debts generally as they become due, (iii) make an
     assignment  for  the benefit of creditors, (iv) apply for, seek, consent to
     or  acquiesce  in,  the  appointment  of  a  receiver,  custodian, trustee,
     examiner,  liquidator or similar official for it or any substantial part of
     its  Property, (v) institute any proceeding seeking to have entered against
     it an order for relief under the United States Bankruptcy Code, as amended,
     to  adjudicate  it  insolvent,  or  seeking  dissolution,  winding  up,
     liquidation,  reorganization,  arrangement, adjustment or composition of it
     or  its  debts  under  any  law  relating  to  bankruptcy,  insolvency  or
     reorganization  or  relief  of  debtors  or fail to file an answer or other
     pleading  denying  the  material  allegations  of any such proceeding filed
     against  it, (vi) take any action in furtherance of any matter described in
     parts  (i)  through  (v)  above, or (vii) fail to contest in good faith any
     appointment  or  proceeding  described  in  Section  9.1(k)  hereof;  or

          (k)  a  custodian,  receiver, trustee, examiner, liquidator or similar
     official  shall be appointed for any Credit Party or any Subsidiary, or any
     substantial  part  of  any  of  its  Property, or a proceeding described in
     Section  9.1(j)(v)  shall  be  instituted  against  any Credit Party or any
     Subsidiary,  and such appointment continues undischarged or such proceeding
     continues  undismissed  or  unstayed  for  a  period  of  60  days.

     Section  9.2.     Non-Bankruptcy Defaults.  When any Event of Default other
than those described in subsection (j) or (k) of Section 9.1 hereof has occurred
and  is  continuing,  the  Administrative  Agent shall, by written notice to the
Borrowers:  (a)  if so directed by the Required Lenders, terminate the remaining
Commitments  and  all  other  obligations  of  the Lenders hereunder on the date
stated in such notice (which may be the date thereof); (b) if so directed by the
Required  Lenders,  declare  the  principal  of  and the accrued interest on all
outstanding  Notes to be forthwith due and payable and thereupon all outstanding
Notes,  including  both  principal  and  interest  thereon,  shall be and become
immediately  due  and  payable together with all other amounts payable under the
Loan  Documents  without  further  demand, presentment, protest or notice of any
kind;  and (c) if so directed by the Required Lenders, demand that the Borrowers
immediately  pay  to the Administrative Agent the full amount then available for
drawing  under  each  or  any  Letter  of  Credit,  and  the  Borrowers agree to
immediately  make  such payment and acknowledge and agree that the Lenders would
not  have  an  adequate  remedy at law for failure by the Borrowers to honor any
such  demand  and that the Administrative Agent, for the benefit of the Lenders,
shall  have  the  right  to  require  the Borrowers to specifically perform such
undertaking  whether  or not any drawings or other demands for payment have been
made  under any Letter of Credit.  The Administrative Agent, after giving notice
to  the  Borrowers  pursuant  to  Section 9.1(c) or this Section 9.2, shall also
promptly  send a copy of such notice to the other Lenders, but the failure to do
so  shall  not  impair  or  annul  the  effect  of  such  notice.

     Section  9.3.     Bankruptcy Defaults.  When any Event of Default described
in  subsections (j) or (k) of Section 9.1 hereof has occurred and is continuing,
then  all  outstanding  Notes  shall immediately become due and payable together
with  all  other  amounts  payable under the Loan Documents without presentment,
demand,  protest  or notice of any kind, the obligation of the Lenders to extend
further  credit  pursuant to any of the terms hereof shall immediately terminate
and  the  Borrowers  shall  immediately pay to the Administrative Agent the full
amount  then  available for drawing under all outstanding Letters of Credit, the
Borrowers acknowledging and agreeing that the Lenders would not have an adequate
remedy at law for failure by the Borrowers to honor any such demand and that the
Lenders,  and  the Administrative Agent on their behalf, shall have the right to
require  the  Borrowers  to specifically perform such undertaking whether or not
any  draws  or other demands for payment have been made under any of the Letters
of  Credit.

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<PAGE>
     Section  9.4.     Collateral  for  Undrawn  Letters  of Credit.  (a) If the
prepayment  of  the  amount  available  for drawing under any or all outstanding
Letters  of  Credit is required under Section 1.8(b) or under Section 9.2 or 9.3
above,  the  Borrowers shall forthwith pay the amount required to be so prepaid,
to  be  held  by  the  Administrative Agent as provided in subsection (b) below.

     (b)     All  amounts prepaid pursuant to subsection (a) above shall be held
by  the  Administrative  Agent in one or more separate collateral accounts (each
such account, and the credit balances, properties, and any investments from time
to time held therein, and any substitutions for such account, any certificate of
deposit  or other instrument evidencing any of the foregoing and all proceeds of
and  earnings  on any of the foregoing being collectively called the "Collateral
Account")  as  security for, and for application by the Administrative Agent (to
the  extent  available) to, the reimbursement of any payment under any Letter of
Credit  then  or thereafter made by the Administrative Agent, and to the payment
of the unpaid balance of any other Obligations.  The Collateral Account shall be
held  in  the  name  of and subject to the exclusive dominion and control of the
Administrative  Agent  for the benefit of the Administrative Agent, the Lenders,
and  the  L/C Issuer.  If and when requested by RCI, on behalf of the Borrowers,
the  Administrative Agent shall invest funds held in the Collateral Account from
time  to  time  in  direct  obligations  of, or obligations the principal of and
interest  on  which  are  unconditionally  guaranteed  by,  the United States of
America  with  a  remaining  maturity  of  one  year  or less, provided that the
Administrative  Agent  is irrevocably authorized to sell investments held in the
Collateral  Account  when and as required to make payments out of the Collateral
Account  for  application to amounts due and owing from the Borrowers to the L/C
Issuer,  the Administrative Agent or the Lenders; provided, however, that if (i)
the  Borrowers  shall  have  made payment of all such obligations referred to in
subsection (a) above, (ii) all relevant preference or other disgorgement periods
relating  to  the  receipt of such payments have passed, and (iii) no Letters of
Credit,  Commitments,  Loans  or other Obligations remain outstanding hereunder,
then  the Administrative Agent shall release to RCI, on behalf of the Borrowers,
any  remaining  amounts  held  in  the  Collateral  Account.

     Section  9.5.     Notice  of  Default.  The Administrative Agent shall give
notice  to  the  Borrowers  under  Section  9.1(c)  hereof  promptly  upon being
requested  to  do  so  by  any Lender and shall thereupon notify all the Lenders
thereof.

     Section  9.6.     Expenses.  The  Borrowers  jointly and severally agree to
pay  to  the  Administrative  Agent and each Lender, and any other holder of any
Note  outstanding  hereunder,  all  costs  and  expenses incurred or paid by the
Administrative  Agent  and  such Lender or any such holder, including reasonable
attorneys'  fees  and  court  costs,  in connection with any Default or Event of
Default  by the Borrowers hereunder or in connection with the enforcement of any
of  the  Loan  Documents  (including  all  such  costs  and expenses incurred in
connection with any proceeding under the United States Bankruptcy Code involving
any  Borrower  or  any  Subsidiary  as  a  debtor  thereunder).

Section  10.     Change  in  Circumstances.

     Section  10.1.     Change  of Law.  Notwithstanding any other provisions of
this  Agreement  or  any  Note,  if  at any time any change in applicable law or
regulation  or in the interpretation thereof makes it unlawful for any Lender to
make  or continue to maintain any Eurodollar Loans or to perform its obligations
as  contemplated  hereby,  such Lender shall promptly give notice thereof to the
Borrowers  and  such  Lender's  obligations to make or maintain Eurodollar Loans
under  this Agreement shall be suspended until it is no longer unlawful for such
Lender  to  make  or  maintain  Eurodollar Loans.  The applicable Borrower shall
prepay  on  demand  the  outstanding  principal  amount  of  any  such  affected
Eurodollar  Loans,  together  with  all  interest  accrued thereon and all other
amounts  then  due  and  payable  to such Lender under this Agreement; provided,
however,

                                       43
<PAGE>
subject  to all of the terms and conditions of this Agreement, RCI, on behalf of
the  applicable  Borrower,  may then elect to borrow the principal amount of the
affected Eurodollar Loans from such Lender by means of Base Rate Loans from such
Lender,  which Base Rate Loans shall not be made ratably by the Lenders but only
from  such  affected  Lender.

     Section  10.2.     Unavailability of Deposits or Inability to Ascertain, or
Inadequacy  of,  LIBOR.  If  on or prior to the first day of any Interest Period
for  any  Borrowing  of  Eurodollar  Loans:

          (a)  the Administrative Agent determines that deposits in U.S. Dollars
     or  the applicable Alternative Currency (in the applicable amounts) are not
     being  offered  to  it in the interbank eurodollar market for such Interest
     Period,  or  that  by  reason  of  circumstances  affecting  the  interbank
     eurodollar  market  adequate  and  reasonable  means  do  not  exist  for
     ascertaining  the  applicable  LIBOR,  or

          (b)  the  Required  Lenders  advise  the Administrative Agent that (i)
     LIBOR  as  determined  by  the Administrative Agent will not adequately and
     fairly  reflect  the cost to such Lenders of funding their Eurodollar Loans
     for  such  Interest Period or (ii) that the making or funding of Eurodollar
     Loans  become  impracticable,

then  the  Administrative  Agent  shall  forthwith  give  notice  thereof to the
Borrowers and the Lenders, whereupon until the Administrative Agent notifies the
Borrowers that the circumstances giving rise to such suspension no longer exist,
the  obligations  of  the  Lenders  to make Eurodollar Loans shall be suspended.

     Section  10.3.     Increased  Cost and Reduced Return.  (a) If, on or after
the  date hereof, the adoption of any applicable law, rule or regulation, or any
change therein, or any change in the interpretation or administration thereof by
any  governmental  authority, central bank or comparable agency charged with the
interpretation  or  administration  thereof, or compliance by any Lender (or its
Lending  Office)  with any request or directive (whether or not having the force
of  law)  of  any  such  authority,  central  bank  or  comparable  agency:

          (i)  shall subject any Lender (or its Lending Office) to any tax, duty
     or  other  charge  with  respect  to  its  Eurodollar Loans, its Notes, its
     Letter(s) of Credit, or its participation in any thereof, any Reimbursement
     Obligations  owed to it or its obligation to make Eurodollar Loans, issue a
     Letter  of  Credit, or to participate therein, or shall change the basis of
     taxation of payments to any Lender (or its Lending Office) of the principal
     of  or  interest  on  its  Eurodollar  Loans,  Letter(s)  of  Credit,  or
     participations therein or any other amounts due under this Agreement or any
     other  Loan  Document  in  respect  of  its  Eurodollar Loans, Letter(s) of
     Credit,  any  participation  therein, any Reimbursement Obligations owed to
     it,  or  its  obligation  to  make  Eurodollar  Loans, or issue a Letter of
     Credit,  or  acquire participations therein (except for changes in the rate
     of  tax  on  the  overall  net  income of such Lender or its Lending Office
     imposed  by  the  jurisdiction  in  which such Lender's principal executive
     office  or  Lending  Office  is  located);  or

          (ii)  shall  impose,  modify  or  deem applicable any reserve, special
     deposit  or  similar  requirement  (including, without limitation, any such
     requirement  imposed  by  the  Board  of  Governors  of the Federal Reserve
     System,  but  excluding  with  respect  to  any  Eurodollar  Loans any such
     requirement  included  in  an  applicable  Eurodollar  Reserve  Percentage)
     against  assets of, deposits with or for the account of, or credit extended
     by,  any  Lender  (or its Lending Office) or shall impose on any Lender (or
     its  Lending  Office)  or  on  the  interbank  market  any  other condition
     affecting  its Eurodollar Loans, its Notes, its Letter(s) of Credit, or its
     participation  in  any  thereof,  any  Reimbursement  Obligation

                                       44
<PAGE>
     owed  to  it,  or  its  obligation  to make Eurodollar Loans, or to issue a
     Letter  of  Credit,  or  to  participate  therein;

and  the  result  of any of the foregoing is to increase the cost to such Lender
(or its Lending Office) of making or maintaining any Eurodollar Loan, issuing or
maintaining  a  Letter  of  Credit,  or  participating therein, or to reduce the
amount  of any sum received or receivable by such Lender (or its Lending Office)
under  this  Agreement or under any other Loan Document with respect thereto, by
an  amount  deemed  by  such  Lender  to be material, then, within 15 days after
demand  by  such Lender (with a copy to the Administrative Agent), the Borrowers
shall  pay  to  such Lender such additional amount or amounts as will compensate
such  Lender  for such increased cost or reduction.  Any demand on the Borrowers
by  a  Lender  under  this Section shall be accompanied by a certificate setting
forth  the  amount  of  such  increased cost or reduced sum in reasonable detail
(including an explanation of the basis for and the computation of such increased
cost  or  reduced  sum).

     (b)     If,  after  the date hereof, any Lender or the Administrative Agent
shall  have  determined  that  the  adoption  of  any  applicable  law,  rule or
regulation  regarding  capital adequacy, or any change therein, or any change in
the  interpretation  or  administration  thereof  by any governmental authority,
central  bank  or  comparable  agency  charged  with  the  interpretation  or
administration  thereof,  or compliance by any Lender (or its Lending Office) or
any  corporation controlling such Lender with any request or directive regarding
capital adequacy (whether or not having the force of law) of any such authority,
central  bank  or  comparable agency, has had the effect of reducing the rate of
return  on  such  Lender's or such corporation's capital as a consequence of its
obligations  hereunder  to  a  level  below  that  which  such  Lender  or  such
corporation  could  have  achieved  but  for such adoption, change or compliance
(taking  into  consideration  such  Lender's or such corporation's policies with
respect  to capital adequacy) by an amount deemed by such Lender to be material,
then  from time to time, within 15 days after demand by such Lender (with a copy
to  the  Administrative  Agent),  the  Borrowers  shall  pay to such Lender such
additional  amount or amounts as will compensate such Lender for such reduction.
Any  demand on the Borrowers by a Lender under this Section shall be accompanied
by  a  certificate setting forth the amount of such reduced return in reasonable
detail  (including  an  explanation of the basis for and the computation of such
reduced  return).

     (c)     A  certificate of a Lender claiming compensation under this Section
10.3  and  setting  forth  the  additional  amount  or  amounts to be paid to it
hereunder  shall be conclusive, absent manifest error, if reasonably determined.
In  determining  such  amount,  such Lender may use any reasonable averaging and
attribution  methods.

     Section  10.4.     Lending  Offices.  Each Lender may, at its option, elect
to  make its Loans hereunder at the branch, office or affiliate specified on the
appropriate  signature  page  hereof  (each a "Lending Office") for each type of
Loan available hereunder or at such other of its branches, offices or affiliates
as  it  may  from  time  to  time elect and designate in a written notice to the
Borrower  and  the  Administrative  Agent.  To the extent reasonably possible, a
Lender  shall  designate an alternative branch or funding office with respect to
its  Eurodollar  Loans  to  reduce any liability of the Borrowers to such Lender
under  Section  10.3  hereof  or to avoid the unavailability of Eurodollar Loans
under  Section  10.2  hereof,  so  long  as  such  designation  is not otherwise
disadvantageous  to  the  Lender.

     Section  10.5.     Discretion  of  Lender  as  to  Manner  of  Funding.
Notwithstanding  any  other  provision  of  this Agreement, each Lender shall be
entitled to fund and maintain its funding of all or any part of its Loans in any
manner  it sees fit, it being understood, however, that for the purposes of this
Agreement all determinations hereunder with respect to Eurodollar Loans shall be
made  as  if each Lender had actually funded and maintained each Eurodollar Loan
through  the

                                       45
<PAGE>
purchase  of  deposits  in  the  interbank  eurodollar  market having a maturity
corresponding to such Loan's Interest Period, and bearing an interest rate equal
to  LIBOR  for  such  Interest  Period.

Section  11.     The  Administrative  Agent.

     Section  11.1.     Appointment  and  Authorization of Administrative Agent.
Each  Lender hereby appoints Harris Trust and Savings Bank as the Administrative
Agent under the Loan Documents and hereby authorizes the Administrative Agent to
take  such  action  as  Administrative  Agent on its behalf and to exercise such
powers  under the Loan Documents as are delegated to the Administrative Agent by
the  terms  thereof,  together  with  such  powers  as are reasonably incidental
thereto.  The  Lenders  expressly  agree  that  the  Administrative Agent is not
acting  as  a  fiduciary  of  the  Lenders in respect of the Loan Documents, the
Borrowers or otherwise, and nothing herein or in any of the other Loan Documents
shall  result in any duties or obligations on the Administrative Agent or any of
the  Lenders  except  as  expressly  set  forth  herein.

     Section  11.2.     Administrative  Agent  and  its  Affiliates.  The
Administrative  Agent shall have the same rights and powers under this Agreement
and  the  other  Loan  Documents as any other Lender and may exercise or refrain
from  exercising  such rights and power as though it were not the Administrative
Agent, and the Administrative Agent and its affiliates may accept deposits from,
lend money to, and generally engage in any kind of business with any Borrower or
any  Affiliate  of any Borrower as if it were not the Administrative Agent under
the  Loan  Documents.  The  term  "Lender"  as used herein and in all other Loan
Documents,  unless  the  context  otherwise  clearly  requires,  includes  the
Administrative  Agent  in  its  individual  capacity as a Lender.  References in
Section  1 hereof to the Administrative Agent's Loans, or to the amount owing to
the  Administrative  Agent for which an interest rate is being determined, refer
to  the  Administrative  Agent  in  its  individual  capacity  as  a  Lender.

     Section  11.3.     Action  by  Administrative Agent.  If the Administrative
Agent  receives from the Company or any Borrower a written notice of an Event of
Default  pursuant to Section 8.5 hereof, the Administrative Agent shall promptly
give  each  of  the  Lenders  written  notice  thereof.  The  obligations of the
Administrative Agent under the Loan Documents are only those expressly set forth
therein.  Without  limiting  the generality of the foregoing, the Administrative
Agent  shall  not  be  required to take any action hereunder with respect to any
Default  or  Event  of Default, except as expressly provided in Sections 9.2 and
9.5.  Unless  and  until  the  Required  Lenders  give  such  direction,  the
Administrative  Agent  may  (but shall not be obligated to) take or refrain from
taking  such actions as it deems appropriate and in the best interest of all the
Lenders.  In  no  event,  however, shall the Administrative Agent be required to
take  any  action in violation of applicable law or of any provision of any Loan
Document,  and the Administrative Agent shall in all cases be fully justified in
failing  or refusing to act hereunder or under any other Loan Document unless it
first  receives  any  further assurances of its indemnification from the Lenders
that  it may require, including prepayment of any related expenses and any other
protection  it  requires against any and all costs, expense, and liability which
may be incurred by it by reason of taking or continuing to take any such action.
The Administrative Agent shall be entitled to assume that no Default or Event of
Default  exists  unless  notified  in writing to the contrary by a Lender or the
Company  or a Borrower.  In all cases in which the Loan Documents do not require
the Administrative Agent to take specific action, the Administrative Agent shall
be  fully  justified in using its discretion in failing to take or in taking any
action  thereunder.  Any  instructions  of the Required Lenders, or of any other
group of Lenders called for under the specific provisions of the Loan Documents,
shall  be  binding  upon  all  the  Lenders  and the holders of the Obligations.

     Section  11.4.     Consultation with Experts.  The Administrative Agent may
consult  with  legal  counsel, independent public accountants, and other experts
selected  by  it  and  shall not be liable for any action taken or omitted to be
taken  by  it  in  good  faith  in  accordance  with the advice of such counsel,
accountants  or  experts.

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<PAGE>
     Section  11.5.     Liability  of  Administrative  Agent;  Credit  Decision.
Neither  the  Administrative Agent nor any of its directors, officers, agents or
employees  shall be liable for any action taken or not taken by it in connection
with the Loan Documents:  (i) with the consent or at the request of the Required
Lenders  or  (ii)  in  the  absence  of  its  own  gross  negligence  or willful
misconduct.  Neither  the  Administrative  Agent  nor  any  of  its  directors,
officers,  agents  or  employees  shall  be  responsible for or have any duty to
ascertain,  inquire  into  or  verify:  (i)  any  statement,  warranty  or
representation  made  in connection with this Agreement, any other Loan Document
or  any Credit Event; (ii) the performance or observance of any of the covenants
or agreements of the Credit Parties or any Subsidiary contained herein or in any
other  Loan  Document;  (iii)  the  satisfaction  of  any condition specified in
Section  7  hereof,  except  receipt  of  items  required to be delivered to the
Administrative  Agent;  or  (iv)  the  validity,  effectiveness,  genuineness,
enforceability,  perfection,  value,  worth  or  collectibility hereof or of any
other Loan Document or of any other documents or writing furnished in connection
with  any Loan Document; and the Administrative Agent makes no representation of
any  kind  or  character  with  respect  to  any  such  matter mentioned in this
sentence.  The  Administrative  Agent may execute any of its duties under any of
the  Loan  Documents  by or through employees, agents, and attorneys-in-fact and
shall  not be answerable to the Lenders, the Credit Parties, or any other Person
for  the  default or misconduct of any such agents or attorneys-in-fact selected
with reasonable care.  The Administrative Agent shall not incur any liability by
acting  in  reliance  upon  any  notice, consent, certificate, other document or
statement  (whether  written or oral) believed by it to be genuine or to be sent
by  the  proper party or parties.  In particular and without limiting any of the
foregoing,  the Administrative Agent shall have no responsibility for confirming
the  accuracy  of  any  compliance  certificate  or other document or instrument
received by it under the Loan Documents.  The Administrative Agent may treat the
payee  of  any Note as the holder thereof until written notice of transfer shall
have  been  filed  with  the  Administrative  Agent signed by such payee in form
satisfactory  to the Administrative Agent.  Each Lender acknowledges that it has
independently  and  without  reliance  on  the Administrative Agent or any other
Lender,  and  based  upon  such  information, investigations and inquiries as it
deems appropriate, made its own credit analysis and decision to extend credit to
the  Borrowers  in  the manner set forth in the Loan Documents.  It shall be the
responsibility of each Lender to keep itself informed as to the creditworthiness
of the Borrowers and their Subsidiaries, and the Administrative Agent shall have
no  liability  to  any  Lender  with  respect  thereto.

     Section 11.6.     Indemnity.  The Lenders shall ratably, in accordance with
their  respective  Percentages, indemnify and hold the Administrative Agent, and
its  directors,  officers,  employees, agents, and representatives harmless from
and  against  any liabilities, losses, costs or expenses suffered or incurred by
it  under  any Loan Document or in connection with the transactions contemplated
thereby,  regardless  of when asserted or arising, except to the extent they are
promptly  reimbursed for the same by the Borrowers and except to the extent that
any  event  giving rise to a claim was caused by the gross negligence or willful
misconduct  of  the  party  seeking  to  be indemnified.  The obligations of the
Lenders  under  this  Section  shall survive termination of this Agreement.  The
Administrative  Agent  shall  be  entitled  to  offset  amounts received for the
account  of  a  Lender under this Agreement against unpaid amounts due from such
Lender  to  the  Administrative  Agent  hereunder  (whether  as  fundings  of
participations,  indemnities  or otherwise), but shall not be entitled to offset
against  amounts  owed to the Administrative Agent by any Lender arising outside
of  this  Agreement  and  the  other  Loan  Documents.

     Section  11.7.     Resignation  of  Administrative  Agent  and  Successor
Administrative Agent.  The Administrative Agent may resign at any time by giving
written  notice  thereof  to  the  Lenders  and  the  Borrowers.  Upon  any such
resignation  of  the  Administrative  Agent, the Required Lenders shall have the
right  to  appoint  a successor Administrative Agent, which appointment shall be
with  the  Borrowers'  consent  if  no Event of Default exists.  If no successor
Administrative  Agent  shall have been so appointed by the Required Lenders, and
shall  have

                                       47
<PAGE>
accepted  such  appointment,  within  30  days after the retiring Administrative
Agent's  giving  of notice of resignation then the retiring Administrative Agent
may,  on  behalf of the Lenders, appoint a successor Administrative Agent, which
may  be  any Lender hereunder or any commercial bank organized under the laws of
the  United  States  of  America  or  of any State thereof and having a combined
capital  and  surplus  of at least $200,000,000, which appointment shall be with
the  Borrowers'  consent  if no Event of Default exists.  Upon the acceptance of
its  appointment  as  the  Administrative  Agent  hereunder,  such  successor
Administrative  Agent  shall thereupon succeed to and become vested with all the
rights and duties of the retiring Administrative Agent under the Loan Documents,
and  the  retiring  Administrative Agent shall be discharged from its duties and
obligations  thereunder.  After  any retiring Administrative Agent's resignation
hereunder  as  Administrative  Agent,  the provisions of this Section 11 and all
protective  provisions of the other Loan Documents shall inure to its benefit as
to  any  actions  taken or omitted to be taken by it while it was Administrative
Agent,  but  no  successor  Administrative Agent shall in any event be liable or
responsible  for  any  actions  of its predecessor.  If the Administrative Agent
resigns  and  no  successor  is  appointed,  the  rights and obligations of such
Administrative  Agent shall be automatically assumed by the Required Lenders and
the  Borrowers  shall be directed to make all payments due each Lender hereunder
directly  to  such  Lender.

     Section  11.8.     L/C  Issuer.  The  L/C Issuer shall act on behalf of the
Lenders  with  respect  to  any Letters of Credit issued by it and the documents
associated  therewith.  The  L/C  Issuer  shall  have  all  of  the benefits and
immunities  (i)  provided  to  the  Administrative Agent in this Section 11 with
respect  to any acts taken or omissions suffered by the L/C Issuer in connection
with  Letters  of  Credit  issued  by  it or proposed to be issued by it and the
Applications  pertaining  to  such  Letters  of  Credit  as fully as if the term
"Administrative Agent", as used in this Section 11, included the L/C Issuer with
respect  to  such  acts  or  omissions and (ii) as additionally provided in this
Agreement  with  respect  to  such  L/C  Issuer.

     Section  11.9.     Hedging Liability and Funds Transfer and Deposit Account
Liability  Arrangements.  By virtue of a Lender's execution of this Agreement or
an  assignment  agreement  pursuant to Section 13.12 hereof, as the case may be,
any  Affiliate  of  such  Lender  with  whom  any Borrower or any Subsidiary has
entered  into  an  agreement  creating  Hedging  Liability or Funds Transfer and
Deposit  Account Liability shall be deemed a Lender party hereto for purposes of
any  reference  in  a  Loan  Document to the parties for whom the Administrative
Agent  is acting, it being understood and agreed that the rights and benefits of
such  Affiliate under the Loan Documents consist exclusively of such Affiliate's
right  to  share in payments and collections out of the Guaranties as more fully
set  forth  in  Section 3.1 hereof.  In connection with any such distribution of
payments  and  collections, the Administrative Agent shall be entitled to assume
no  amounts  are  due  to  any  Lender  or its Affiliate with respect to Hedging
Liability or Funds Transfer and Deposit Account Liability unless such Lender has
notified  the Agent in writing of the amount of any such liability owed to it or
its  Affiliate  prior  to  such  distribution.

     Section  11.10.     Designation  of  Additional Agents.  The Administrative
Agent shall have the continuing right, for purposes hereof, at any time and from
time  to  time  to  designate  one  or  more of the Lenders (and/or its or their
Affiliates)  as  "syndication  agents,"  "documentation agents," "arrangers," or
other  designations  for  purposes  hereto,  but  such designation shall have no
substantive  effect,  and  such  Lenders  and  their  Affiliates  shall  have no
additional  powers,  duties  or  responsibilities  as  a  result  thereof.

Section  12.     The  Guarantees.

     Section  12.1.     The  Guarantees.  To  induce  the Lenders to provide the
credits  described herein and in consideration of benefits expected to accrue to
the  Borrowers  by  reason  of  the  Commitments and for other good and valuable
consideration,  receipt  of  which  is  hereby

                                       48
<PAGE>
acknowledged,  each  Guarantor hereby unconditionally and irrevocably guarantees
jointly  and  severally  to  the  Administrative  Agent,  the Lenders, and their
Affiliates,  the due and punctual payment of all present and future Obligations,
Hedging  Liability, and Funds Transfer and Deposit Account Liability, including,
but not limited to, the due and punctual payment of principal of and interest on
the  Notes,  the  Reimbursement Obligations, and the due and punctual payment of
all  other  Obligations  now or hereafter owed by the Borrowers, or any of them,
under  the  Loan  Documents  as  and when the same shall become due and payable,
whether  at  stated  maturity,  by  acceleration, or otherwise, according to the
terms  hereof and thereof.  In case of failure by any Borrower punctually to pay
any  Obligations,  Hedging  Liability,  or  Funds  Transfer  and Deposit Account
Liability  guaranteed  hereby,  each  Guarantor hereby unconditionally agrees to
make such payment or to cause such payment to be made punctually as and when the
same  shall become due and payable, whether at stated maturity, by acceleration,
or  otherwise,  and  as  if  such  payment were made by the applicable Borrower.

     Section  12.2.     Guarantee  Unconditional.  The  obligations  of  each
Guarantor under this Section 12 shall be unconditional and absolute and, without
limiting  the generality of the foregoing, shall not be released, discharged, or
otherwise  affected  by:

          (a) any extension, renewal, settlement, compromise, waiver, or release
     in  respect  of  any  obligation  of any Borrower or of any other Guarantor
     under  this  Agreement or any other Loan Document or by operation of law or
     otherwise;

          (b)  any  modification or amendment of or supplement to this Agreement
     or  any  other  Loan  Document;

          (c) any change in the corporate existence, structure, or ownership of,
     or  any insolvency, bankruptcy, reorganization, or other similar proceeding
     affecting,  any  Borrower,  any other Guarantor, or any of their respective
     assets,  or  any  resulting  release  or discharge of any obligation of any
     Borrower  or  of  any  other  Guarantor  contained  in  any  Loan Document;

          (d)  the  existence  of  any claim, set-off, or other rights which any
     Borrower  or  any  other  Guarantor  may  have  at  any  time  against  the
     Administrative  Agent,  any  Lender,  or  any  other Person, whether or not
     arising  in  connection  herewith;

          (e) any failure to assert, or any assertion of, any claim or demand or
     any exercise of, or failure to exercise, any rights or remedies against any
     Borrower,  any  other  Guarantor,  or  any  other  Person  or  Property;

          (f)  any  application  of  any  sums  by  whomsoever paid or howsoever
     realized  to any obligation of any Borrower, regardless of what obligations
     of  the  Borrowers  remain  unpaid;

          (g)  any  invalidity  or  unenforceability  relating to or against any
     Borrower  or any other Guarantor for any reason of this Agreement or of any
     other  Loan  Document  or  any  provision  of  applicable law or regulation
     purporting  to  prohibit the payment by any Borrower or any other Guarantor
     of the principal of or interest on any Note or any Reimbursement Obligation
     or  any  other  amount  payable  under  the  Loan  Documents;  or

          (h)  any  other  act  or  omission  to act or delay of any kind by the
     Administrative  Agent,  any  Lender,  or  any  other  Person  or  any other
     circumstance  whatsoever  that  might,  but  for  the  provisions  of  this
     paragraph,  constitute a legal or equitable discharge of the obligations of
     the  Borrowers  under  this  Section  12.

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<PAGE>
     Section  12.3.     Discharge  Only  upon  Payment in Full; Reinstatement in
Certain Circumstances.  Each Guarantor's obligations under this Section 12 shall
remain  in  full  force  and  effect  until  the Commitments are terminated, all
Letters  of  Credit have expired, and the principal of and interest on the Notes
and  all  other  amounts  payable by the Borrowers and the Guarantors under this
Agreement  and all other Loan Documents and, if then outstanding and unpaid, all
Hedging  Liability  and Funds Transfer and Deposit Account Liability, shall have
been  paid  in full.  If at any time any payment of the principal of or interest
on  any  Note or any Reimbursement Obligation or any other amount payable by any
Borrower  or  any  Guarantor  under  the  Loan Documents is rescinded or must be
otherwise  restored  or  returned  upon  the  insolvency,  bankruptcy,  or
reorganization  of  any  Borrower  or  of  any  Guarantor,  or  otherwise,  each
Guarantor's obligations under this Section 12 with respect to such payment shall
be  reinstated  at  such  time as though such payment had become due but had not
been  made  at  such  time.

     Section  12.4.     Subrogation.  Each Guarantor agrees it will not exercise
any  rights  which  it  may  acquire  by  way of subrogation by any payment made
hereunder, or otherwise, until all the Obligations, Hedging Liability, and Funds
Transfer  and  Deposit Account Liability shall have been paid in full subsequent
to  the  termination of the Commitments and expiration of all Letters of Credit.
If any amount shall be paid to a Guarantor on account of such subrogation rights
at  any  time  prior to the later of (x) the payment in full of the Obligations,
Hedging  Liability,  and  Funds  Transfer  and Deposit Account Liability and all
other  amounts  payable  by the Borrowers hereunder and the other Loan Documents
and  (y)  the  termination  of  the Commitments and expiration of all Letters of
Credit, such amount shall be held in trust for the benefit of the Administrative
Agent  and  the  Lenders and shall forthwith be paid to the Administrative Agent
for  the benefit of the Lenders or be credited and applied upon the Obligations,
Hedging  Liability,  and  Funds  Transfer and Deposit Account Liability, whether
matured  or  unmatured,  in  accordance  with  the  terms  of  this  Agreement.

     Section  12.5.     Waivers.  Each  Guarantor  irrevocably waives acceptance
hereof, presentment, demand, protest, and any notice not provided for herein, as
well  as  any  requirement  that  at  any  time  any  action  be  taken  by  the
Administrative  Agent,  any  Lender,  or  any other Person against any Borrower,
another  Guarantor,  or  any  other  Person.

     Section  12.6.     Limit  on Recovery.  Notwithstanding any other provision
hereof, the right of recovery against each Guarantor under this Section 12 shall
not exceed $1.00 less than the lowest amount which would render such Guarantor's
obligations  under  this  Section  12  void  or  voidable  under applicable law,
including,  without  limitation,  fraudulent  conveyance  law.

     Section  12.7.     Stay  of  Acceleration.  If acceleration of the time for
payment  of any amount payable by any Borrower under this Agreement or any other
Loan  Document,  or  under any agreement establishing Hedging Liability or Funds
Transfer  and  Deposit  Account  Liability,  is  stayed  upon  the  insolvency,
bankruptcy or reorganization of any Borrower, all such amounts otherwise subject
to  acceleration  under the terms of this Agreement or the other Loan Documents,
or  under  any  agreement  establishing  Hedging Liability or Funds Transfer and
Deposit  Account  Liability,  shall  nonetheless  be  payable  by the Guarantors
hereunder forthwith on demand by the Administrative Agent made at the request of
the  Required  Lenders.

     Section 12.8.     Benefit to Guarantors.  All of the Guarantors are engaged
in  related  businesses  and  integrated  to  such  an extent that the financial
strength and flexibility of each Guarantor has a direct impact on the success of
each  other  Guarantor.  Each  Guarantor  will  derive  substantial  direct  and
indirect  benefit  from  the  extensions  of  credit  hereunder.

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<PAGE>
     Section  12.9.     Guarantor  Covenants.  Each  Guarantor  shall  take such
action  as  the Borrowers are required by this Agreement to cause such Guarantor
to take, and shall refrain from taking such action as the Borrowers are required
by  this  Agreement  to  prohibit  such  Guarantor  from  taking.

Section  13.     Miscellaneous.

     Section  13.1.     Withholding  Taxes.  (a)  Payments  Free of Withholding.
Except  as otherwise required by law and subject to Section 13.1(b) hereof, each
payment  by  any Borrower under this Agreement or the other Loan Documents shall
be  made  without  withholding  for or on account of any present or future taxes
(other  than overall net income taxes on the recipient) imposed by or within the
jurisdiction  in  which  such Borrower is domiciled, any jurisdiction from which
such  Borrower makes any payment, or (in each case) any political subdivision or
taxing  authority  thereof  or therein.  If any such withholding is so required,
the relevant Borrower shall make the withholding, pay the amount withheld to the
appropriate  governmental  authority before penalties attach thereto or interest
accrues  thereon and forthwith pay such additional amount as may be necessary to
ensure  that  the  net  amount  actually  received  by  each  Lender  and  the
Administrative  Agent free and clear of such taxes (including such taxes on such
additional  amount)  is  equal  to  the  amount  which  that  Lender  or  the
Administrative  Agent  (as  the  case  may  be)  would  have  received  had such
withholding  not  been made.  If the Administrative Agent or any Lender pays any
amount  in respect of any such taxes, penalties or interest, the Borrowers shall
reimburse  the Administrative Agent or such Lender for that payment on demand in
the  currency  in  which  such  payment was made.  If any Borrower pays any such
taxes,  penalties or interest, it shall deliver official tax receipts evidencing
that  payment  or certified copies thereof to the Lender or Administrative Agent
on  whose  account  such withholding was made (with a copy to the Administrative
Agent if not the recipient of the original) on or before the thirtieth day after
payment.

     (b)     U.S.  Withholding Tax Exemptions.  Each Lender that is not a United
States person (as such term is defined in Section 7701(a)(30) of the Code) shall
submit  to  the Borrowers and the Administrative Agent on or before the date the
initial  Credit  Event  is  made hereunder or, if later, the date such financial
institution  becomes a Lender hereunder, two duly completed and signed copies of
(i)  either Form W-8 BEN (relating to such Lender and entitling it to a complete
exemption  from withholding under the Code on all amounts to be received by such
Lender,  including  fees, pursuant to the Loan Documents and the Obligations) or
Form  W-8  ECI (relating to all amounts to be received by such Lender, including
fees,  pursuant  to the Loan Documents and the Obligations) of the United States
Internal  Revenue  Service  or  (ii) solely if such Lender is claiming exemption
from  United  States  withholding tax under Section 871(h) or 881(c) of the Code
with  respect  to  payments  of  "portfolio  interest",  a  Form W-8 BEN, or any
successor  form  prescribed  by  the Internal Revenue Service, and a certificate
representing  that  such  Lender is not a bank for purposes of Section 881(c) of
the  Code,  is  not  a  10-percent  shareholder  (within  the meaning of Section
871(h)(3)(B)  of  the  Code)  of  any  Borrower  and is not a controlled foreign
corporation  related to any Borrower (within the meaning of Section 864(d)(4) of
the  Code).  Thereafter  and  from time to time, each Lender shall submit to the
Borrowers and the Administrative Agent such additional duly completed and signed
copies  of  one  or the other of such Forms (or such successor forms as shall be
adopted  from time to time by the relevant United States taxing authorities) and
such  other  certificates  as  may be (i) requested by any Borrower in a written
notice,  directly  or  through the Administrative Agent, to such Lender and (ii)
required  under then-current United States law or regulations to avoid or reduce
United  States  withholding  taxes  on  payments in respect of all amounts to be
received  by  such Lender, including fees, pursuant to the Loan Documents or the
Obligations.  Upon the request of any Borrower or the Administrative Agent, each
Lender  that  is  a  United  States  person  (as such term is defined in Section
7701(a)(30)  of  the  Code) shall submit to the Borrowers and the Administrative
Agent  a  certificate  to  the  effect  that  it is such a United States person.

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<PAGE>
     (c)     Inability  of Lender to Submit Forms.  If any Lender determines, as
a  result  of  any  change  in  applicable  law, regulation or treaty, or in any
official  application  or interpretation thereof, that it is unable to submit to
the  Borrowers  or  the  Administrative  Agent any form or certificate that such
Lender is obligated to submit pursuant to subsection (b) of this Section 13.1 or
that  such Lender is required to withdraw or cancel any such form or certificate
previously  submitted  or  any  such  form  or  certificate  otherwise  becomes
ineffective  or  inaccurate, such Lender shall promptly notify the Borrowers and
Administrative  Agent  of  such  fact and the Lender shall to that extent not be
obligated  to  provide  any  such  form  or  certificate and will be entitled to
withdraw  or  cancel  any  affected  form  or  certificate,  as  applicable.

     Section  13.2.     No  Waiver, Cumulative Remedies.  No delay or failure on
the  part of the Administrative Agent or any Lender or on the part of the holder
or holders of any of the Obligations in the exercise of any power or right under
any Loan Document shall operate as a waiver thereof or as an acquiescence in any
default, nor shall any single or partial exercise of any power or right preclude
any  other  or  further  exercise  thereof or the exercise of any other power or
right.  The  rights  and  remedies  hereunder  of  the Administrative Agent, the
Lenders  and  of  the holder or holders of any of the Obligations are cumulative
to,  and  not  exclusive  of,  any  rights  or  remedies which any of them would
otherwise  have.

     Section  13.3.     Non-Business Days.  If any payment hereunder becomes due
and  payable  on a day which is not a Business Day, the due date of such payment
shall be extended to the next succeeding Business Day on which date such payment
shall  be  due and payable.  In the case of any payment of principal falling due
on  a  day  which is not a Business Day, interest on such principal amount shall
continue  to  accrue during such extension at the rate per annum then in effect,
which accrued amount shall be due and payable on the next scheduled date for the
payment  of  interest.

     Section  13.4.     Documentary  Taxes.  The Borrowers jointly and severally
agree  to  pay  on  demand  any  documentary,  stamp or similar taxes payable in
respect  of  this  Agreement  or any other Loan Document, including interest and
penalties,  in  the event any such taxes are assessed, irrespective of when such
assessment is made and whether or not any is then in use or available hereunder.

     Section  13.5.     Survival  of  Representations.  All  representations and
warranties  made  herein  or in any other Loan Document or in certificates given
pursuant  hereto  or  thereto  shall  survive the execution and delivery of this
Agreement  and  the  other  Loan Documents, and shall continue in full force and
effect with respect to the date as of which they were made as long as any credit
is  in  use  or  available  hereunder.

     Section  13.6.     Survival  of  Indemnities.  All  indemnities  and  other
provisions  relative  to  reimbursement  to the Lenders of amounts sufficient to
protect  the  yield  of  the  Lenders  with  respect to the Loans and Letters of
Credit,  including,  but  not limited to, Sections 1.11, 10.3, and 13.15 hereof,
shall survive the termination of this Agreement and the other Loan Documents and
the  payment  of  the  Obligations.

     Section  13.7.     Sharing  of Set-Off.  Each Lender agrees with each other
Lender  a party hereto that if such Lender shall receive and retain any payment,
whether  by  set-off  or application of deposit balances or otherwise, on any of
the  Loans  or  Reimbursement  Obligations  in  excess  of  its ratable share of
payments  on  all  such  Obligations  then outstanding to the Lenders, then such
Lender shall purchase for cash at face value, but without recourse, ratably from
each of the other Lenders such amount of the Loans or Reimbursement Obligations,
or participations therein, held by each such other Lenders (or interest therein)
as  shall be necessary to cause such Lender to share such excess payment ratably
with all the other Lenders; provided, however, that if any such purchase is made
by  any  Lender,  and  if  such  excess  payment  or  part thereof is thereafter

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<PAGE>
recovered  from  such  purchasing  Lender,  the related purchases from the other
Lenders  shall  be  rescinded  ratably and the purchase price restored as to the
portion of such excess payment so recovered, but without interest.  For purposes
of  this  Section,  amounts owed to or recovered by the L/C Issuer in connection
with Reimbursement Obligations in which Lenders have been required to fund their
participation shall be treated as amounts owed to or recovered by the L/C Issuer
as  a  Lender  hereunder.

     Section  13.8.     Notices.  Except  as  otherwise  specified  herein,  all
notices  hereunder  and  under  the  other  Loan  Documents  shall be in writing
(including,  without  limitation,  notice by telecopy) and shall be given to the
relevant  party  at  its  address  or telecopier number set forth below, or such
other address or telecopier number as such party may hereafter specify by notice
to the Administrative Agent and the Borrowers given by courier, by United States
certified  or  registered mail, by telecopy or by other telecommunication device
capable  of  creating  a written record of such notice and its receipt.  Notices
under  the  Loan  Documents to the Lenders and the Administrative Agent shall be
addressed  to  their respective addresses or telecopier numbers set forth on the
signature  pages  hereof,  and  to  the  Borrowers  and other Credit Parties to:

                        Racing  Champions,  Inc.
                        800  Roosevelt  Road,  Building  C-320
                        Glen  Ellyn,  Illinois  60137
                        Attention:     Ms.  Jody  Taylor
                        Telephone:     (630)  790-3507  ext.  158
                        Telecopy:     (630)  790-9762

                        with  a  copy  to:
                        James  M.  Bedore,  Esq.
                        Reinhart  Boerner  Van  Deuren,  S.C.
                        1000  North  Water  Street
                        Milwaukee,  Wisconsin  53202-0900
                        Telephone:     (414)  298-8196
                        Facsimile:     (414)  298-8097

Each such notice, request or other communication shall be effective (i) if given
by  telecopier,  when  such  telecopy  is  transmitted  to the telecopier number
specified in this Section or on the signature pages hereof and a confirmation of
such  telecopy has been received by the sender, (ii) if given by mail, five days
after  such communication is deposited in the mail, certified or registered with
return  receipt requested, addressed as aforesaid or (iii) if given by any other
means,  when  delivered  at  the  addresses  specified in this Section or on the
signature  pages  hereof;  provided  that any notice given pursuant to Section 1
hereof  shall  be  effective  only  upon  receipt.

     Section  13.9.     Counterparts.  This  Agreement  may  be  executed in any
number  of  counterparts,  and  by  the  different  parties  hereto  on separate
counterpart  signature  pages, and all such counterparts taken together shall be
deemed  to  constitute  one  and  the  same  instrument.

     Section 13.10.     Successors and Assigns.  This Agreement shall be binding
upon  the  Borrowers  and  the  Guarantors and their successors and assigns, and
shall  inure  to the benefit of the Administrative Agent and each of the Lenders
and  the  benefit  of  their  respective  successors  and assigns, including any
subsequent  holder  of any of the Obligations.  The Borrowers and the Guarantors
may  not  assign  any  of  their  rights  or obligations under any Loan Document
without  the  written  consent  of  all  of  the  Lenders.

     Section  13.11.     Participants.  Each  Lender shall have the right at its
own  cost  to grant participations (to be evidenced by one or more agreements or
certificates  of  participation) in the Loans made and Reimbursement Obligations
and/or  Commitment  held  by  such  Lender  at  any

                                       53
<PAGE>
time  and  from time to time to one or more other Persons; provided that no such
participation  shall  relieve  any  Lender  of any of its obligations under this
Agreement, and, provided, further that no such participant shall have any rights
under  this Agreement except as provided in this Section, and the Administrative
Agent  shall  have  no  obligation  or  responsibility to such participant.  Any
agreement  pursuant  to  which such participation  is granted shall provide that
the  granting  Lender  shall retain the sole right and responsibility to enforce
the  obligations  of  the  Borrowers  under  this  Agreement  and the other Loan
Documents  including,  without  limitation,  the right to approve any amendment,
modification  or waiver of any provision of the Loan Documents, except that such
agreement  may  provide  that  such  Lender  will not agree to any modification,
amendment  or  waiver  of  the Loan Documents that would reduce the amount of or
postpone  any fixed date for payment of any Obligation in which such participant
has an interest.  Any party to which such a participation has been granted shall
have  the  benefits  of  Section  1.11  and  Section 10.3 hereof.  The Borrowers
authorize  each Lender to disclose to any participant or prospective participant
under this Section any financial or other information pertaining to any Borrower
or  any  Subsidiary.

     Section  13.12.     Assignments.  (a)  Each  Lender shall have the right at
any  time, with the prior consent of the Administrative Agent and, so long as no
Event  of Default then exists, RCI, on behalf of the Borrowers (which consent of
RCI,  on  behalf  of the Borrowers shall not be unreasonably withheld), to sell,
assign,  transfer  or  negotiate  all  or any part of its rights and obligations
under  the  Loan  Documents  (including,  without  limitation,  the indebtedness
evidenced  by  the  Note  then  held  by such assigning Lender, together with an
equivalent percentage of its obligation to make Loans and participate in Letters
of  Credit)  to  one or more commercial banks or other financial institutions or
investors,  provided  that,  unless  otherwise  agreed  to by the Administrative
Agent,  such  assignment shall be of a fixed percentage (and not by its terms of
varying  percentage)  of the assigning Lender's rights and obligations under the
Loan Documents; provided, however, that in order to make any such assignment (i)
unless  the  assigning  Lender  is assigning all of its Commitments, outstanding
Loans and interests in Letters of Credit Obligations, the assigning Lender shall
retain  at  least  $5,000,000  of  its  unused Commitment, outstanding Loans and
interests  in  Letters  of  Credit,  (ii)  the  assignee  Lender  shall  have  a
Commitment,  outstanding  Loans  and  interests in Letters of Credit of at least
$5,000,000, (iii) each such assignment shall be evidenced by a written agreement
(substantially  in  the  form attached hereto as Exhibit G or in such other form
acceptable  to the Administrative Agent) executed by such assigning Lender, such
assignee  Lender  or  Lenders,  the  Administrative  Agent  and,  if required as
provided  above,  RCI, on behalf of the Borrowers, which agreement shall specify
in  each instance the portion of the Obligations which are to be assigned to the
assignee  Lender and the portion of the Commitment of the assigning Lender to be
assumed  by  the assignee Lender, and (iv) the assigning Lender shall pay to the
Administrative Agent a processing fee of $3,500 and any out-of-pocket attorneys'
fees  and  expenses  incurred by the Administrative Agent in connection with any
such  assignment  agreement.  Any  such  assignee  shall become a Lender for all
purposes  hereunder  to  the extent of the rights and obligations under the Loan
Documents  it  assumes  and  the  assigning  Lender  shall  be released from its
obligations,  and will have released its rights, under the Loan Documents to the
extent  of  such  assignment.  The  address  for notices to such assignee Lender
shall be as specified in the assignment agreement executed by it.  Promptly upon
the  effectiveness of any such assignment agreement, the Borrowers shall execute
and deliver replacement Notes to the assignee Lender and the assigning Lender in
the  respective  amounts of their Commitments (or assigned principal amounts, as
applicable)  after  giving effect to the reduction occasioned by such assignment
(such  Notes  to constitute "Notes" for all purposes of the Loan Documents), and
the  assignee  Lender  shall  thereafter  surrender  to  RCI,  on  behalf of the
Borrowers, its old Note.  The Borrowers authorize each Lender to disclose to any
purchaser  or  prospective purchaser of an interest in the Loans and interest in
Letters  of Credit owed to it or its Commitment under this Section any financial
or  other  information  pertaining  to  any  Borrower  or  any  Subsidiary.

                                       54
<PAGE>
     (b)     Any  Lender  may at any time pledge or grant a security interest in
all  or  any portion of its rights under this Agreement to secure obligations of
such  Lender,  including any such pledge or grant to a Federal Reserve Bank, and
this Section shall not apply to any such pledge or grant of a security interest;
provided  that  no  such  pledge or grant of a security interest shall release a
Lender  from  any of its obligations hereunder or substitute any such pledgee or
secured  party for such Lender as a party hereto; provided further, however, the
right  of  any  such pledgee or grantee (other than any Federal Reserve Bank) to
further  transfer  all  or  any  portion of the rights pledged or granted to it,
whether  by  means of foreclosure or otherwise, shall be at all times subject to
the  terms  of  this  Agreement.

     Section  13.13.     Amendments.  Any  provision  of  this  Agreement or the
other Loan Documents may be amended or waived if, but only if, such amendment or
waiver  is  in  writing  and  is  signed  by (a) the Borrowers, (b) the Required
Lenders,  and  (c)  if  the  rights  or  duties  of the Administrative Agent are
affected  thereby,  the  Administrative  Agent;  provided  that:

          (i)  no  amendment  or waiver pursuant to this Section 13.13 shall (A)
     increase the Commitment of any Lender without the consent of such Lender or
     (B)  reduce the amount of or postpone the date for any scheduled payment of
     any principal of or interest on any Loan or of any Reimbursement Obligation
     or  of any fee payable hereunder without the consent of the Lender to which
     such payment is owing or which has committed to make such Loan or Letter of
     Credit  (or  participate  therein)  hereunder;  and

          (ii)  no  amendment  or  waiver  pursuant to this Section 13.13 shall,
     unless  signed  by  each  Lender, increase the aggregate Commitments of the
     Lenders,  change  the  definitions of Termination Date or Required Lenders,
     change  the  provisions  of  this  Section 13.13, release any Guarantor, or
     affect the number of Lenders required to take any action hereunder or under
     any  other  Loan  Document.

     Section  13.14.     Headings.  Section  headings used in this Agreement are
for  reference  only  and  shall  not affect the construction of this Agreement.

     Section  13.15.     Costs and Expenses; Indemnification.  (a) The Borrowers
jointly  and severally agree to pay all costs and expenses of the Administrative
Agent  in  connection  with  the  preparation,  negotiation,  syndication,  and
administration  of  the  Loan  Documents,  including,  without  limitation,  the
reasonable  fees  and  disbursements  of counsel to the Administrative Agent, in
connection  with  the  preparation  and execution of the Loan Documents, and any
amendment,  waiver  or  consent related thereto, whether or not the transactions
contemplated  herein  are consummated.  The Borrowers further agree to indemnify
the Administrative Agent, each Lender, and their respective directors, officers,
employees,  agents,  financial  advisors,  and  consultants  against all losses,
claims,  damages,  penalties,  judgments,  liabilities  and expenses (including,
without  limitation, all expenses of litigation or preparation therefor, whether
or  not the indemnified Person is a party thereto, or any settlement arrangement
arising  from  or  relating to any such litigation) which any of them may pay or
incur arising out of or relating to any Loan Document or any of the transactions
contemplated  thereby  or  the  direct  or  indirect  application  or  proposed
application  of  the  proceeds of any Loan or Letter of Credit, other than those
which  arise  from  the  gross  negligence  or  willful  misconduct of the party
claiming  indemnification.  The  Borrowers,  upon  demand  by the Administrative
Agent  or a Lender at any time, shall reimburse the Administrative Agent or such
Lender  for  any  reasonable legal or other expenses incurred in connection with
investigating  or  defending  against  any  of  the  foregoing  (including  any
settlement  costs  relating to the foregoing) except if the same is directly due
to  the  gross  negligence or willful misconduct of the party to be indemnified.
The  obligations  of  the  Borrowers  under  this  Section  shall  survive  the
termination  of  this  Agreement.

                                       55
<PAGE>
     (b)     Each  Borrower  unconditionally agrees to forever indemnify, defend
and  hold  harmless,  and  covenants  not  to sue for any claim for contribution
against,  the  Administrative Agent and the Lenders for any damages, costs, loss
or  expense,  including without limitation, response, remedial or removal costs,
arising  out  of  any  of  the following:  (i) any presence, release, threatened
release  or  disposal  of  any  hazardous or toxic substance or petroleum by any
Borrower  or  any  Subsidiary  or  otherwise occurring on or with respect to its
Property  (whether  owned  or  leased),  (ii)  the operation or violation of any
Environmental Law by any Borrower or any Subsidiary or otherwise occurring on or
with  respect  to  its  Property  (whether owned or leased), (iii) any claim for
personal  injury  or  property  damage  in  connection  with any Borrower or any
Subsidiary  or  otherwise  occurring on or with respect to its Property (whether
owned  or  leased),  and  (iv)  the  inaccuracy  or  breach of any environmental
representation,  warranty  or  covenant  by  any Borrower or any Subsidiary made
herein  or  in any other Loan Document evidencing or securing any Obligations or
setting  forth  terms  and  conditions  applicable thereto or otherwise relating
thereto,  except  for  damages  arising  from  the  willful  misconduct or gross
negligence  of  the  party claiming indemnification.  This indemnification shall
survive  the  payment and satisfaction of all Obligations and the termination of
this  Agreement,  and  shall  remain  in  force  beyond  the  expiration  of any
applicable  statute  of  limitations  and payment or satisfaction in full of any
single  claim under this indemnification.  This indemnification shall be binding
upon  the successors and assigns of each Borrower and shall inure to the benefit
of  Administrative Agent and the Lenders directors, officers, employees, agents,
and  collateral  trustees,  and  their  successors  and  assigns.

     Section  13.16.     Set-off.  In  addition  to  any rights now or hereafter
granted  under  applicable  law and not by way of limitation of any such rights,
upon  the  occurrence  of  any Event of Default, each Lender and each subsequent
holder  of  any  Obligation  is  hereby  authorized  by  each  Borrower and each
Guarantor  at  any time or from time to time, without notice to such Borrower or
such  Guarantor  or  to any other Person, any such notice being hereby expressly
waived, to set-off and to appropriate and to apply any and all deposits (general
or  special,  including,  but  not  limited  to,  indebtedness  evidenced  by
certificates  of  deposit, whether matured or unmatured, but not including trust
accounts,  and  in  whatever currency denominated) and any other indebtedness at
any  time  held  or owing by that Lender or that subsequent holder to or for the
credit  or  the  account  of  such  Borrower  or  such Guarantor, whether or not
matured,  against  and  on  account  of the Obligations of such Borrower or such
Guarantor  to  that  Lender  or that subsequent holder under the Loan Documents,
including,  but  not limited to, all claims of any nature or description arising
out  of or connected with the Loan Documents, irrespective of whether or not (a)
that  Lender  or  that subsequent holder shall have made any demand hereunder or
(b) the principal of or the interest on the Loans or Notes and other amounts due
hereunder  shall  have become due and payable pursuant to Section 9 and although
said  obligations  and  liabilities,  or  any  of  them,  may  be  contingent or
unmatured.

     Section  13.17.     Currency.  Each  reference  in  this  Agreement to U.S.
Dollars  or  to  an  Alternative  Currency  (the  "relevant currency") is of the
essence.  To  the  fullest extent permitted by law, the obligation of any Credit
Party in respect of any amount due in the relevant currency under this Agreement
shall,  notwithstanding any payment in any other currency (whether pursuant to a
judgment  or  otherwise),  be discharged only to the extent of the amount in the
relevant  currency  that  the  Person  entitled  to receive such payment may, in
accordance  with  normal  banking procedures, purchase with the sum paid in such
other  currency  (after  any  premium and costs of exchange) on the Business Day
immediately  following  the  day on which such Person receives such payment.  If
the amount of the relevant currency so purchased is less than the sum originally
due  to  such  Person  in  the relevant currency, the Credit Parties agree, as a
separate  obligation  and  notwithstanding  any such judgment, to indemnify such
Person  against  such  loss,  and  if  the  amount  of the specified currency so
purchased  exceeds  the  sum  of  (a)  the amount originally due to the relevant
Person  in the specified currency plus (b) any amounts shared with other Lenders
as  a  result  of  allocations  of  such  excess  as  a disproportionate payment

                                       56
<PAGE>
to  such  Person  under  Section  13.16 hereof, such Person agrees to remit such
excess  to  the  relevant  Credit  Party.

     Section  13.18.     Entire  Agreement.  The  Loan  Documents constitute the
entire  understanding  of the parties thereto with respect to the subject matter
thereof  and any prior agreements, whether written or oral, with respect thereto
are  superseded  hereby.

     Section  13.19.     Governing  Law.  This  Agreement  and  the  other  Loan
Documents,  and  the rights and duties of the parties hereto, shall be construed
and  determined  in  accordance with the internal laws of the State of Illinois;
provided,  however,  that  nothing  herein  or  in any other Loan Document shall
prevent  any  Credit Party from contesting or raising defenses to any confession
of  judgment  obtained  pursuant  to  735  ILCS  5/2-1301(c).

     Section  13.20.     Severability  of Provisions.  Any provision of any Loan
Document  which  is  unenforceable  in  any  jurisdiction  shall,  as  to  such
jurisdiction,  be  ineffective  to  the  extent of such unenforceability without
invalidating  the  remaining  provisions  hereof  or  affecting  the validity or
enforceability  of  such  provision  in  any  other  jurisdiction.  All  rights,
remedies  and powers provided in this Agreement and the other Loan Documents may
be  exercised  only to the extent that the exercise thereof does not violate any
applicable mandatory provisions of law, and all the provisions of this Agreement
and  other Loan Documents are intended to be subject to all applicable mandatory
provisions  of  law  which  may  be  controlling and to be limited to the extent
necessary  so  that  they  will  not  render  this  Agreement  or the other Loan
Documents  invalid  or  unenforceable.

     Section  13.21.     Excess  Interest.  Notwithstanding any provision to the
contrary contained herein or in any other Loan Document, no such provision shall
require the payment or permit the collection of any amount of interest in excess
of  the maximum amount of interest permitted by applicable law to be charged for
the  use  or  detention,  or  the  forbearance  in the collection, of all or any
portion  of  the  Loans or other obligations outstanding under this Agreement or
any other Loan Document ("Excess Interest").  If any Excess Interest is provided
for, or is adjudicated to be provided for, herein or in any other Loan Document,
then  in such event (a) the provisions of this Section shall govern and control,
(b) neither any Borrower nor any Guarantor or endorser shall be obligated to pay
any  Excess  Interest,  (c) any Excess Interest that the Administrative Agent or
any  Lender  may  have  received  hereunder  shall,  at  the  option  of  the
Administrative  Agent,  be  (i) applied as a credit against the then outstanding
principal  amount  of  Obligations  hereunder  and  accrued  and unpaid interest
thereon  (not  to  exceed  the maximum amount permitted by applicable law), (ii)
refunded  to  RCI,  on  behalf of the Borrowers, or (iii) any combination of the
foregoing,  (d)  the  interest  rate  payable  hereunder or under any other Loan
Document  shall  be  automatically  subject  to  reduction to the maximum lawful
contract rate allowed under applicable usury laws (the "Maximum Rate"), and this
Agreement  and  the other Loan Documents shall be deemed to have been, and shall
be,  reformed  and  modified  to reflect such reduction in the relevant interest
rate,  and (e) neither any Borrower nor any Guarantor or endorser shall have any
action against the Administrative Agent or any Lender for any damages whatsoever
arising  out  of  the  payment  or  collection  of  any  Excess  Interest.
Notwithstanding  the  foregoing,  if  for  any period of time interest on any of
Borrowers'  Obligations  is  calculated  at  the  Maximum  Rate  rather than the
applicable  rate  under  this  Agreement,  and  thereafter  such applicable rate
becomes  less  than  the  Maximum  Rate,  the  rate  of  interest payable on the
Borrowers'  Obligations  shall remain at the Maximum Rate until the Lenders have
received  the  amount  of interest which such Lenders would have received during
such  period  on  the  Borrowers'  Obligations had the rate of interest not been
limited  to  the  Maximum  Rate  during  such  period.

     Section  13.22.     Lender's  Obligations  Several.  The obligations of the
Lenders  hereunder  are  several  and  not  joint.  Nothing  contained  in  this
Agreement  and  no  action  taken  by  the  Lenders

                                       57
<PAGE>
pursuant  hereto  shall  be  deemed  to  constitute  the  Lenders a partnership,
association,  joint  venture  or  other  entity.

     Section  13.23.     Submission  to Jurisdiction; Waiver of Jury Trial.  The
Borrowers  and  the Guarantors hereby submit to the nonexclusive jurisdiction of
the  United  States  District Court for the Northern District of Illinois and of
any  Illinois  State  court  sitting  in the City of Chicago for purposes of all
legal  proceedings  arising out of or relating to this Agreement, the other Loan
Documents or the transactions contemplated hereby or thereby.  The Borrowers and
the  Guarantors  irrevocably  waive, to the fullest extent permitted by law, any
objection which they may now or hereafter have to the laying of the venue of any
such  proceeding  brought in such a court and any claim that any such proceeding
brought  in  such  a  court  has  been  brought  in  an inconvenient forum.  The
Borrowers,  the  Guarantors,  the  Administrative  Agent, and the Lenders hereby
irrevocably  waive  any  and  all right to trial by jury in any legal proceeding
arising out of or relating to any Loan Document or the transactions contemplated
thereby.

                           [Signature Pages to Follow]

                                       58
<PAGE>
     This  Agreement  is  entered  into  between  us  for  the uses and purposes
hereinabove  set  forth  as  of  the  date  first  above  written.

                                        "Borrowers"

                                        Racing  Champions,  Inc.
                                        By       /s/   Jody  L.  Taylor
                                             Name    Jody  L.  Taylor
                                                 -----------------------
                                             Title   Chief  Financial  Officer
                                                  ------------------------------

                                        Racing  Champions  South,  Inc.
                                        By       /s/   Jody  L.  Taylor
                                             Name   Jody  L.  Taylor
                                                 ----------------------
                                             Title  Chief  Financial  Officer
                                                  ------------------------------

                                        Racing  Champions  Worldwide  Limited
                                        By       /s/   Curtis  W.  Stoelting
                                             Name   Curtis  W.  Stoelting
                                                 ----------------------------
                                             Title    Director
                                                  -----------------

                                        "Guarantors"

                                        Racing  Champions  Ertl  Corporation
                                        By       /s/   Jody  L.  Taylor
                                             Name      Jody  L.  Taylor
                                                 ----------------------
                                             Title  Chief  Financial  Officer
                                                  ------------------------------

                                        Green's  Racing  Souvenirs,  Inc.
                                        By       /s/   Jody  L.  Taylor
                                             Name   Jody  L.  Taylor
                                                 ----------------------
                                             Title   Chief  Financial  Officer
                                                  ------------------------------

                                        RCNA  Holdings,  Inc.
                                        By       /s/   Jody  L.  Taylor
                                             Name    Jody  L.  Taylor
                                                 ----------------------
                                             Title  Chief  Financial  Officer
                                                  ------------------------------

                                        RC  Ertl,  Inc.
                                        By       /s/   Jody  L.  Taylor
                                             Name   Jody  L.  Taylor
                                                 ---------------------
                                             Title   Chief  Financial  Officer
                                                  ------------------------------

                                        DiecastExpress.com,  Inc.
                                        By       /s/   Jody  L.  Taylor
                                             Name     Jody  L.  Taylor
                                                 ---------------------
                                             Title   Chief  Financial  Officer
                                                  ------------------------------

                                        RCE  Holdings,  LLC
                                        By       /s/   Jody  L.  Taylor
                                             Name   Jody  L.  Taylor
                                                 ---------------------
                                             Title   Manager
                                                  --------------

                                       59
<PAGE>
                                        "Lenders"

                                        Harris  Trust  and  Savings Bank, in its
                                        individual capacity as a Lender, as L/C
                                        Issuer,  and  as  Administrative  Agent
                                        By       /s/  Mark  W.  Piekos
                                             Name  Mark  W.  Piekos
                                                 -------------------
                                             Title  Vice  President
                                                  --------------------

                                        Address:
                                        111  West  Monroe  Street
                                        Chicago,  Illinois  60603
                                        Attention:  Mr.  Mark  Piekos
                                        Telecopy:  (312)  293-4856
                                        Telephone:  (312)  461-2246

                                       60
<PAGE>
                                        The  Northern  Trust  Company
                                        By       /s/   Gregg  Lunceford
                                             Name  Gregg  Lunceford
                                                 -------------------
                                             Title   Vice  President
                                                  --------------------

                                        Address:
                                        50  South  LaSalle  Street,  B-2
                                        Chicago,  Illinois  60603
                                        Attention:  Mr.  Gregg  Lunceford
                                        Telecopy:  (312)  444-7028
                                        Telephone:  (312)  557-3172

                                       61
<PAGE>
                                        U.S.  Bank  National  Association
                                        By       /s/   Barry  P.  Litwin
                                             Name  Barry  P.  Litwin
                                                 ---------------------
                                             Title   Senior  Vice  President
                                                  -----------------------------

                                        Address:
                                        233  South  Wacker  Drive,  Suite  3630
                                        Chicago,  Illinois  60606
                                        Attention:  Mr.  Barry  Litwin
                                        Telecopy:  (312)  775-3209
                                        Telephone:  (312)  775-3207

                                       62
<PAGE>
                                        National  City Bank of Michigan/Illinois
                                        By       /s/   Stephen  E.  Green
                                             Name:    Stephen  E.  Green
                                                  ----------------------
                                             Title:      Vice  President
                                                   ---------------------

                                        Address:
                                        1  North  Franklin,  Suite  3600
                                        Chicago,  Illinois  60606
                                        Attention:  Mr.  Stephen  E.  Green
                                        Telecopy:  (312)  240-0301
                                        Telephone:  (312)  384-4611

                                       63

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