Document:

FIRST AMENDMENT TO
CREDIT AGREEMENT 

        THIS
FIRST AMENDMENT TO CREDIT AGREEMENT, dated as of November 12, 2004 (the
“Amendment”), is by and among Fresh Brands, Inc. (the “Borrower”), the
Lenders party hereto and LaSalle Bank National Association, as Administrative Agent. 

        WHEREAS,
the Borrower, the Lenders and the Administrative Agent are party to that certain Credit
Agreement dated as of March 18, 2004 (the “Credit Agreement”). 

        WHEREAS,
the parties hereto desire to amend the Credit Agreement as set forth herein. 

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

        1.       Definitions.
Capitalized terms not otherwise defined herein shall have           the meanings assigned
to them in the Credit Agreement.  

        2.       Amendments.
The Credit Agreement is amended as follows:  

            2.1
    Section 2.1.2 — L/C Commitment. Section 2.1.2 of the Credit Agreement is
amended by deleting the amount “$10,000,000” contained therein and inserting
“$15,000,000” in its place.  

            2.2
    Section 15.16 —Customer Identification — USA Patriot Act Notice. Section
15.16 of the Credit Agreement is amended in its entirety to read as follows:  

	 	        “15.16
Customer Identification — USA Patriot Act Notice. Each Lender and LaSalle (for
itself and not on behalf of any other party) hereby notifies the Loan Parties that,
pursuant to the requirements of the USA Patriot Act, Title III of Pub. L. 107-56, signed
into law October 26, 2001 (the “Act”), it is required to obtain, verify and
record information that identifies the Loan Parties, which information includes the name
and address of the Loan Parties and other information that will allow such Lender or
LaSalle, as applicable, to identify the Loan Parties in accordance with the Act.” 

        3.       Full
Force and Effect. Except as expressly provided herein, all of the           terms and
conditions set forth in the Credit Agreement, the Collateral Documents           and the
other Loan Documents shall remain unchanged and shall continue in full           force
and effect as originally set forth.  

        4.       Credit
Agreement. All of the representations and warranties made by the           Borrower
in the Credit Agreement are true and correct on the date of this           Amendment (it
being understood that any representation or warranty made as of a           specific date
shall be true and correct as of such specific date). No Unmatured           Event of
Default or Event of Default under the Credit Agreement has occurred and           is
continuing as of the date of this Amendment.  

        5.       Binding
Effect. This Amendment shall be binding upon the parties hereto           and their
respective successors and assigns.  

        6.       Effectiveness.
This Amendment shall be effective as of the date first           written above upon the
satisfaction of the following conditions all in form and           substance satisfactory
to the Administrative Agent:  

            (a)                 this
Amendment executed by the Borrower and the Lenders;  

            (b)                 a
Consent executed by each of the Guarantors; and  

            (c)                 such
other documents, agreements and instruments as reasonably requested by the
          Administrative Agent.  

        7.       Counterparts.
This Amendment may be executed in several counterparts,           each of which shall be
deemed an original, but such counterparts shall together           constitute but one and
the same Amendment.  

-2- 

        IN
WITNESS WHEREOF, the parties hereto have executed this First Amendment to Credit Agreement
as of the date first set forth above. 

	~	FRESH BRANDS, INC.
	

 	By: /s/ Jonathan Hoenecke
		Title: ______________________________________________
	

 	LASALLE BANK NATIONAL ASSOCIATION, as Administrative Agent,
		as Issuing Lender and as a Lender
	

 	By: /s/ Teresa Paolilli
		Title: Loan Officer
	

 	By: /s/ Berardo Lacaro
		Title: Senior Vice President
	

 	U.S. BANK NATIONAL ASSOCIATION, as Documentation Agent, and
		as a Lender
	

 	By: /s/ Caroline W. Krider
		Title: Vice President and Senior Lender

-3- 

CONSENT OF GUARANTORS 

        Each
of the undersigned hereby consents to the foregoing First Amendment to Credit Agreement
and ratifies and reaffirms its obligations under the Guaranty and Collateral Agreement
dated as of March 18, 2004. 

		DICK'S SUPERMARKETS, INC.
	

 	By: /s/ Jonathan Hoenecke
		Title: ______________________________________________
	

 	FRESH BRANDS DISTRIBUTING, INC.
	

 	By: /s/ Jonathan Hoenecke
		Title: ______________________________________________
	

 	PW TRUCKING, INC.
	

 	By: /s/ Jonathan Hoenecke
		Title: ______________________________________________Exhibit 10.1

               MEMBERSHIP INTEREST PURCHASE AND JOINDER AGREEMENT

         This Membership Interest Purchase and Joinder Agreement ("Agreement")
dated as of September 21, 2004 (the "Effective Date"), is made by and between
BancRealty Advisors, LLC, a Massachusetts limited liability company (the
"Company") having a mailing address at 10 Ware Road, Winchester, Massachusetts
01890, and Willey Brothers, Inc. (the "Purchaser"), a New Hampshire corporation
having a mailing address at 10 Main Street, Rochester, New Hampshire 03839. All
capitalized terms not defined herein shall have the same meaning prescribed to
them in the Company's Operating Agreement dated as of August 25, 2004 (the
"Operating Agreement").

         WHEREAS, the Purchaser desires to purchase from the Company, and the
Company desires to sell to the Purchaser, the Purchased Interest (as defined
below), pursuant to the terms and conditions of this Agreement.

         NOW THEREFORE, in consideration of the mutual promises, terms,
provisions and conditions set forth in this Agreement, and for other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

         1. PURCHASE AND SALE OF MEMBERSHIP INTEREST. Upon the terms and subject
to the conditions contained herein, and in reliance on the representations and
warranties set forth in Section 7, at the Closing (as defined below), the
Purchaser shall purchase from the Company, and the Company shall issue and sell
to the Purchaser, fifteen percent (15%) of the Company's Membership Interest
(the "Purchased Interest").

         2. PURCHASE PRICE. The aggregate purchase price for the Purchased
Interest shall be Two Hundred Fifty Thousand Dollars ($250,000) (the "Purchase
Price"). For the purposes of the Purchaser's anti-dilution rights under Section
14 below, the Purchase Price is based on a "Per Unit Price" equal to Sixteen
Thousand Six Hundred Sixty-Seven Dollars and 66/100 ($16,666.66) for each one
percent (1%) of the Purchased Interest purchased hereunder.

         3. PAYMENT OF THE PURCHASE PRICE. The Purchaser shall deliver fifty
percent (50%) of the Purchase Price to the Company at the Closing. The Purchaser
shall deliver the remainder of the Purchase Price to the Company, in the amount
of One Hundred Twenty-Five Thousand Dollars ($125,000) (the "Remaining Purchase
Price"), within forty-five (45) days after the Closing by wire transfer to an
account designated by the Company.

         4. FAILURE TO DELIVER REMAINING PURCHASE PRICE. In the event that the
Purchaser fails to deliver the Remaining Purchase Price to the Company as
provided herein, then (i) the Purchased Interest shall automatically be reduced
to 7.5% of the Membership Interest of the Company, (ii) the Purchaser's

<PAGE>

pre-emptive rights described in Section 13 of this Agreement shall automatically
terminate, (ii) the Purchaser's anti-dilution rights described in Section 14 of
this Agreement shall automatically terminate, and (iii) the Purchaser shall be
required to pay commissions to the Company in accordance with Section 15(c) of
this Agreement on all referrals sent to the Purchaser (including the first Five
Million Dollars ($5,000,000)). Notwithstanding anything to the contrary herein,
in the event that Purchaser fails to deliver the Remaining Purchase Price to the
Company, Company shall remain obligated to pay commission to the Purchaser in
accordance with Section 15(c) of this Agreement on all referrals sent to the
Company.

         5. CLOSING. The closing for the sale and transfer of the Purchased
Interest and the payment of the Purchase Price shall take place on the Effective
Date at 1:00 p.m. (the "Closing") at the offices of Nutter, McClennen & Fish,
LLP, 155 Seaport Boulevard, World Trade Center West, Boston, Massachusetts
02210.

         6. JOINDER. At the Closing, the Purchaser shall be admitted as a Class
B Member of the Company, and Schedule I to the Operating Agreement shall be
amended and restated to reflect the Purchaser's acquisition of the Purchased
Interest. The Purchaser hereby acknowledges that it has received, read and
understands the provisions of the Operating Agreement and hereby joins in and
agrees to be bound by all the terms and conditions thereof.

         7. REPRESENTATIONS AND WARRANTIES BY THE COMPANY. As a material
inducement to the Purchaser's entering into this Agreement, the Company hereby
represents, warrants and agrees (a) that the Company has the unrestricted and
absolute power, authority and capacity to execute and deliver this Agreement and
to perform all obligations and to carry out the transaction contemplated hereby
(including, without limitation, the full power and authority to sell and
transfer the Purchased Interest to the Purchaser in consideration of the
Purchase Price); (b) that all necessary action has been taken by the Company to
authorize the execution, delivery and performance of this Agreement and the
transaction contemplated hereby; (c) that this Agreement has been duly executed
and delivered by the Company, constitutes the valid and binding obligation of
the Company, and is enforceable in accordance with its terms; (d) that the
execution and delivery of this Agreement and the performance of the terms hereof
by the Company will not contravene any agreement to which the Company or its
properties is or may be bound; (e) that there is no action, suit, proceeding or
investigation pending, or, to the best of the Company's knowledge, threatened
against the Company, which would affect the validity of this Agreement or the
right of the Company to enter into it; and (g) and that the Company has received
a cash investment of $100,000 from existing Class A Members as set forth in
Schedule I of the Operating Agreement and is financially solvent.

<PAGE>

         8. REPRESENTATIONS AND WARRANTIES BY THE PURCHASER. As a material
inducement to the Company's entering into this Agreement, the Purchaser hereby
represents, warrants and agrees (a) that the Purchaser has the unrestricted and
absolute power, authority and capacity to execute and deliver this Agreement and
to perform all obligations and to carry out the transaction contemplated hereby
(including, without limitation, the full power and authority to purchase the
Purchased Interest from the Company in consideration of the Purchase Price); (b)
that all necessary action has been taken by the Purchaser to authorize the
execution, delivery and performance of this Agreement and the transaction
contemplated hereby; (c) that this Agreement has been duly executed and
delivered by the Purchaser, constitutes the valid and binding obligation of the
Purchaser, and is enforceable in accordance with its terms; (d) that the
execution and delivery of this Agreement and the performance of the terms hereof
by the Purchaser will not contravene any agreement to which the Purchaser or its
properties is or may be bound; and (e) that there is no action, suit, proceeding
or investigation pending, or, to the best of the Purchaser's knowledge,
threatened against the Purchaser, which would affect the validity of this
Agreement or the right of the Purchaser to enter into it.

         9. RETENTION OF MICHAEL J. PURCHIA. Notwithstanding anything in this
Agreement to the contrary, the parties acknowledge and agree that for a period
of at least one (1) year after the Closing, Michael J. Purchia shall devote
fifty percent (50%) of his business time to the Company, and fifty percent (50%)
of his business time to the Purchaser.

         10. COMPENSATION OF CERTAIN MEMBERS. The parties agree that for the one
(1) year period after the Closing, the following Members of the Company shall be
entitled to receive an annual salary in amounts not to exceed the following:

                  Michael J. Purchia        $ 25,000

                  Cornelius K. Hurley, Jr.  $125,000

         Thereafter, the salaries of said Members shall be established by the
Approval of the Managers with the Consent of the Class A Members.

         11. FUNDING CONTINGENCY. Notwithstanding the provisions of Section 3.04
of the Operating Agreement, in the event that the Consulting Agreement (the
"Consulting Agreement") by and between the Company and CNLRS Acquisitions, Inc.
("CNLRS") is terminated within forty-five (45) days after the Closing, then,
provided that the Company has not secured another source of funding within
thirty (30) days after the termination of the Consulting Agreement (the "Funding
Cure Period"), the Company shall return the entire Purchase Price received from
the Purchaser to the Purchaser within sixty (60) days after the expiration of
the Funding Cure Period. Notwithstanding Sections 3 and 4 above, Purchaser shall
not be obligated to deliver the remainder of the Purchase Price unless a funding
agreement with CNLRS or another comparable source of funding is secured in
accordance with this Section. Effective as of any such date on which the
Purchase Price is returned: (i) the Purchaser shall automatically be deemed to
have withdrawn as a Member of the Company without further action or
documentation; (ii) the Purchaser shall have no further rights, responsibilities
or obligations with respect to the Company; and (iii) the Company, its managers,
members, officers, representatives and agents, shall have no further
responsibilities, obligations or liabilities or any sort or kind to the
Purchaser, its shareholders, directors, officers, representatives or agents.

<PAGE>

         12. NO WITHDRAWAL. Subject to the provisions of Section 11 of this
Agreement, the Purchaser may not withdraw or resign from the Company prior to
the payment of the Remaining Purchase Price in accordance with Section 3 above.

         13. PRE-EMPTIVE RIGHTS. The parties acknowledge and agree that at any
time after the Closing but prior to September 21, 2005, the Purchaser shall be
entitled to a right of first refusal to purchase, on a pro rata basis, all or
any part of any New Securities that the Company may, from time to time, propose
to sell and issue, subject to the terms and conditions set forth below. The
Purchaser's pro rata share shall equal a fraction, the numerator of which is the
Percentage Interest then held by the Purchaser, and the denominator of which is
the total Membership Interest issued and outstanding prior to the issuance of
the New Securities.

         14. ANTI-DILUTION RIGHTS. If, at any time after the Closing but prior
to September 21, 2005, (a) the Purchaser shall not exercise their (i)
pre-emptive rights in accordance with Section 13 above, or (ii) right of first
refusal in accordance with Article IX of the Operating Agreement, with respect
to any New Securities, and (b) the Company shall sell or issue such New
Securities (each, a "Subsequent Dilutive Issuance") for an issue price less than
the Per Unit Price which the Purchaser paid for the Purchased Interest at the
Closing, then and in such event, the Percentage Interest held by the Purchaser
prior to the Subsequent Dilutive Issuance shall automatically increase such that
the Purchaser shall thereafter hold the same percentage of the Company's
Membership Interest that it would have held if the Purchaser had paid the same
Purchase Price hereunder but had purchased the Purchased Interest at the same
per unit price as the Subsequent Dilutive Issuance.

         15. TRANSACTING BUSINESS WITH THE PURCHASER

                  (a) THE PURCHASER'S BUSINESS. The Purchaser is in the business
of locating, designing and constructing branch locations for banks, credit
unions and other financial institutions (collectively, the "Purchaser's
Business"). The Purchaser's Business also includes, without limitation,
Strategic Marketing Intelligence ("SMI") for market intelligence, branch
expansion, customer/branch profitability and managing branch performance.

                  (b) CROSS-MARKETING AND CROSS-SELLING WITH THE PURCHASER.
Subject to the provisions of Section 2.06 of the Operating Agreement, for so
long as the Purchaser is a Member of the Company, the Company and the Purchaser
shall each promote and market the other's services (on an exclusive right of
first refusal basis) to their respective clients, including without limitation,
the following:

<PAGE>

                           (i) The Company shall offer the Purchaser's SMI
products and services to its clients as part of its
core advisory services.

                           (ii) The Purchaser agrees to use its best efforts to
market the Company's products and services through
its marketing activities, including without limitation, promoting the Company
via the Purchaser's design/build account executives, tradeshows and direct
marketing coordination. Notwithstanding the foregoing, the Company acknowledges
and agrees that the Purchaser has no obligation to provide the Company with a
guaranteed marketing program.

                           (iii) The Company shall provide ongoing
sale-leaseback financing training seminars to the Purchaser's
design/build account executives, at such times as the Company and the Purchaser
shall mutually agree.

                           (iv) In the event that either the Company or the
Purchaser (i) does not accept any such referral within
seven (7) days, or (ii) declines any such referral from the other, then the
referring party shall have the right to offer such products or services to any
third party offering such products or services (including competitors of the
Company or the Purchaser).

                  (c) COMMISSIONS. The commission schedule is attached hereto as
Exhibit A to this Agreement (the "Commission Schedule") for successful referrals
made to the Purchaser and to the Company in accordance with Section 15(b), and
will be periodically reviewed by the parties in order to improve its
administrative effectiveness. Notwithstanding anything in this Agreement to the
contrary, the Purchaser shall not be required to pay any commissions to the
Company (i) for any design build projects referred to Purchaser by Company if
Purchaser has performed design build work for the client within twenty four (24)
months of this Agreement ("Preexisting Clients"), or on the first Five Million
Dollars ($5,000,000) of successful referrals excluding fees earned by Purchaser
from Preexisting Clients sent to the Purchaser in the twelve (12) month period
immediately following the Closing.

                  (d) NON-COMPETITION. Subject to the provisions of Section
15(b)(iv) above, for so long as the Purchaser is a Member of the Company and for
a period of twelve (12) months thereafter, (the "Restricted Period"), (a) the
Purchaser shall not, directly or indirectly, as an owner, partner, member,
shareholder, manager, director, employee, consultant, agent, executive or
co-venturer of any person or entity, compete with the LLC Business within the
United States of America, and (b) the Company shall not, directly or indirectly,
as an owner, partner, member, shareholder, manager, director, employee,
consultant, agent, executive or co-venturer of any person or entity, compete
with the current Purchaser's Business within the United States of America.
Notwithstanding the foregoing, a party may purchase as a passive investment up
to one percent (4.99%) of any class or series of outstanding voting securities
of any person or entity competing with the other's business if such class or
series is listed on a national or regional securities exchange or publicly
traded in the "over-the-counter" market. Notwithstanding the foregoing, in the
event the funding contingency as set forth in Section 11 above is not satisfied,
the terms of the provisions of this Section 11 will have no force and effect on
Purchaser or Company and Purchaser will be free to compete with Company and or
invest to any percentage in any person or entity competing with the business of
Company.

<PAGE>

         16. ACCREDITED INVESTOR. The Purchaser represents to the Company that
it is an "accredited investor" as such term is defined in Rule 501 under the
Securities Act of 1933, as amended (the "SECURITIES ACT"). The Purchaser
represents to the Company that it is purchasing the Purchased Interest for its
own account, for investment only and not with a view to, or any present
intention of, effecting a distribution of such securities or any part thereof
except pursuant to a registration statement or an available exemption under
applicable law. The Purchaser acknowledges that the Membership Interest has not
been registered under the Securities Act or the securities laws of any state or
other jurisdiction and cannot be disposed of unless it is subsequently
registered under the Securities Act and any applicable state laws or unless an
exemption from such registration is available. The Purchaser (a) has knowledge
and experience in financial and business matters so as to be capable of
evaluating and understanding the merits and risks of an investment in the
Company, (b) has received certain information concerning the Company from the
Company and has relied on the accuracy of said information and has had the
opportunity to obtain additional information as desired in order to evaluate the
merits and the risks inherent of an investment in the Company and (c) is able to
bear the economic risk of its investment in the Company and the Purchased
Interest in that, among other factors, such Investor can afford to hold the
Purchased Interest for an indefinite period and can afford a complete loss of
its investment in the Company.

         17.      MISCELLANEOUS.

                  (a) BENEFIT AND BINDING EFFECT. This Agreement shall be
binding upon and inure to the benefit of, the respective dependents, affiliates,
representatives, executors, administrators, successors, heirs and assigns of the
parties hereto.

                  (b) WAIVER AND MODIFICATION. Neither this Agreement nor any
term or condition hereof, may be waived or modified in whole or in part as
against either party, except by written instrument signed by an authorized
officer of the other party hereto expressly stating that it is intended to
operate as a waiver or modification of this Agreement.

                  (c) AMENDMENT. This Agreement may not be amended in whole or
in part, except by an instrument in writing signed by each of the parties
hereto.

<PAGE>

                  (d) CAPTIONS. The captions set forth in this Agreement are for
convenience of reference only and shall not be considered as part of this
Agreement or as in any way limiting or amplifying the terms and provisions
hereof.

                  (e) ENTIRE AGREEMENT. This Agreement embodies the entire
agreement and understanding among the parties with respect to the subject matter
hereof and supersedes all prior agreements and understandings relating to such
subject matter.

                  (f) GOVERNING LAW. This Agreement shall be construed, and the
rights and obligations of the parties shall be determined, in accordance with
the internal laws of The Commonwealth of Massachusetts, without giving effect to
the conflict of law rules thereof.

                  (g) SURVIVAL. Notwithstanding anything in this Agreement to
the contrary, the parties agree that the terms and provisions of Sections 3, 4,
6, 7, 8, 9, 10, 11, 12, 13, 14, 15 and 16 shall survive the Closing hereunder.

           [The rest of this page has intentionally been left blank.]

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the day and year first above written.

                                BANCREALTY ADVISORS, LLC

                                By:___________________________
                                Name:    Michael J. Purchia
                                Title:   Manager

                                WILLEY BROTHERS, INC.

                                By:___________________________
                                Name:    James Brooks
                                Title:   President & Chief Executive Officer

                                As to the provisions of Sections 9 and 10 only

                                -------------------------
                                Michael J. Purchia, individually

                                As to the
                                provisions of Section10 only:

                                -----------------------------
                                Cornelius K. Hurley, Jr., individually

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