Document:

<PAGE>

                                                                    EXHIBIT 10.3

                       FIFTH AMENDMENT TO CREDIT AGREEMENT

         THIS FIFTH AMENDMENT TO CREDIT AGREEMENT (this "Agreement"), dated as
of March 4, 2004, is by and among PRG-SCHULTZ USA, INC. (formerly The Profit
Recovery Group USA, Inc.), a Georgia corporation (the "Borrower"), PRG-SCHULTZ
INTERNATIONAL, INC. (formerly The Profit Recovery Group International, Inc.), a
Georgia corporation (the "Parent"), each of the Domestic Subsidiaries of the
Parent (together with the Parent, the "Guarantors"), the Lenders party thereto
and BANK OF AMERICA, N.A., as Administrative Agent. All capitalized terms used
herein and not otherwise defined shall have the meanings provided in the Credit
Agreement (as defined below).

                                   WITNESSETH:

         WHEREAS, the Borrower, the Guarantors, the Lenders and the
Administrative Agent entered into that certain Credit Agreement dated as of
December 31, 2001 (as amended or modified from time to time, the "Credit
Agreement"): and

         WHEREAS, the Borrower has requested and the Lenders have agreed to
amend certain terms of the Credit Agreement as set forth below;

         NOW, THEREFORE, in consideration of the agreements contained herein and
other good and valuable consideration, the parties hereby agree as follows:

         1.       Amended Definitions.

                  (a)      The definition of Consolidated EBITDA set forth in
         Section 1.1 of the Credit Agreement is hereby amended to read as
         follows:

                           "Consolidated EBITDA" means, for any period, the sum
                  of (i) Consolidated EBIT for such period, plus (ii)
                  depreciation and amortization expense for such period (to the
                  extent deducted in calculating Consolidated Net Income for
                  such period).

                  (b)      The definition of Consolidated EBIT set forth in
         Section 1.1 of the Credit Agreement is hereby amended to read as
         follows:

                           "Consolidated EBIT' means, for any period, the sum of
                  (i) Consolidated Net Income for such period, plus (ii) an
                  amount which, in the determination of Consolidated Net Income
                  for such period, has been deducted for (A) Consolidated
                  Interest Expense and (B) total federal, state, local and
                  foreign income, value added and similar taxes, plus (iii) from
                  July 1, 2003 through December 31, 2004, all charges up to $12
                  million in the aggregate directly related to the Borrower's
                  corporate restructuring plan made during such period plus (iv)
                  for the period from October 1, 2003 until September 30, 2004,
                  all non-cash, non-recurring charges

<PAGE>

                  (A) up to $3 million in the aggregate directly related to the
                  impairment of the Schultz trade name made during such period
                  and (B) up to $ 1.8 million in the aggregate directly related,
                  to impairment of the Beacon audit software code made during
                  such period, in each case of the Parent and its Subsidiaries
                  on a consolidated basis, as determined in accordance with
                  GAAP.

                  (c)      Subclause (a) in the proviso contained in the
         definition of Consolidated Net Income set forth in Section 1.1 of the
         Credit Agreement is hereby amended to read as follows:

                  (a) any net book loss realized in such period from the sale of
                  the Logistics Division, the Groupe Alma Business, the
                  Communications Division, the Meridian Business or the Ship &
                  Debit Division,

                  (d)      The definition of Meridian set forth in Section 1.1
         of the Credit Agreement is hereby amended to read as follows:

                           "Meridian" means Meridian Corporation Limited
         (formerly known as Meridian VAT Corporation Limited), a company
         incorporated in Jersey.

                  (e)      A new subclause (xi) is hereby added at the end of
         the definition of Permitted Liens and shall read as follows:

                  and (xi) Liens on Property of Meridian or any of its
                  Subsidiaries securing those obligations of Meridian or any of
                  its Subsidiaries permitted under Section 8.1(1).

         2.       Amendment to Section 1.3. The last sentence of Section 1.3 is
hereby amended to read as follows:

         Notwithstanding the foregoing, following the disposition of the
         Communications Division, the Meridian Business or the Ship & Debit
         Division, as applicable, the income statement items (whether positive
         or negative) attributable to such division or business shall be
         included in the calculation of the financial covenants set forth in
         Section 7.11 to the extent related to any period applicable in such
         calculation.

         3.       Amendment to Section 3.3(c). The second sentence in Section
3.3(c) of the Credit Agreement is hereby amended to read as follows:

         Notwithstanding the foregoing, the aggregate permanent reduction in the
         Revolving Committed Amount in connection with the prepayment of the
         Loans with Net Cash Proceeds from the Communications Division, the
         Meridian Business and the Ship & Debit Division shall not exceed $20
         million.

         4.       Amendments to Section 7.11(iv)

                                       2

<PAGE>

         (a)      Subclause (a) in the second sentence of Section 7.11 (iv) of
the Credit Agreement is hereby amended to read as follows:

         (a) reduced by the amount of any net book losses realized from the sale
         of the Logistics Division, the Groupe Alma Business, the Communications
         Division, the Meridian Business or the Ship & Debit Division,

         (b)      A new subclause (h) is hereby added at the end of the second
sentence of Section 7.ll(iv) of the Credit Agreement and shall read as follows:

         and (h) reduced by all non-cash, non-recurring charges (i) up to $3
         million in the aggregate directly related to the impairment of the
         Schultz trade name and (ii) up to $1.8 million in the aggregate
         directly related to impairment of the Beacon audit software code.

         5.       Amendment to Section 8.1. A new subclause (1) is hereby added
at the end of Section 8.1 of the Credit Agreement and shall read as follows:

         and (1) obligations of Meridian or any of its Subsidiaries with respect
         to any letter of credit, bond or other surety provided for the account
         of Meridian or any of its Subsidiaries to support Meridian's or any of
         its Subsidiaries' obligations to the French VAT authorities; provided,
         that (i) the aggregate amount of such obligations shall not exceed
         $5,800,000 in the aggregate and (ii) such Indebtedness shall not have a
         cross-default to the Indebtedness arising under this Credit Agreement
         and the other Credit Documents.

         6.       Amendment to Section 8.5. A new subclause (c) is hereby added
at the end of subclause (vi) in Section 8.5 of the Credit Agreement and shall
read as follows:

         and (c) the sale of the Ship & Debit Division; provided that (A) the
         Borrower receives at least $1,000,000 in Net Cash Proceeds from the
         sale of such division and (B) the Borrower immediately prepays the
         Loans with such Net Cash Proceeds in accordance with the terms of
         Section 3.3(b)(ii).

         7.       Conditions Precedent. This Agreement shall become effective
immediately upon receipt by the Administrative Agent of each of the following,
each in form and substance satisfactory to the Administrative Agent:

                  (a)      counterparts of this Agreement duly executed by the
         Borrower, the Guarantors, the Administrative Agent and the Required
         Lenders; and

                  (b)      for the account of each Lender who executes and
         delivers this Agreement to the Administrative Agent on or before March
         4, 2004, an amendment fee equal to 0.25% of such Lender's Revolving
         Commitment.

                                       3

<PAGE>

         8.       Miscellaneous.

                  (a)      The term "Credit Agreement" as used in each of the
         Credit Documents shall hereafter mean the Credit Agreement as amended
         by this Agreement. Except as herein specifically agreed, the Credit
         Agreement, and the obligations of the Credit Parties thereunder and
         under the other Credit Documents, are hereby ratified and confirmed and
         shall remain in full force and effect according to their terms.

                  (b)      The Credit Parties acknowledge and confirm (i) that
         the Administrative Agent, on behalf of the Lenders, has a valid and
         enforceable first priority security interest in the Collateral, (ii)
         that the Borrower's obligation to repay the outstanding principal
         amount of the Loans and reimburse the Issuing Lender for any drawing on
         a Letter of Credit is unconditional and not subject to any offsets,
         defenses or counterclaims, (iii) that the Administrative Agent and the
         Lenders have performed fully all of their respective obligations under
         the Credit Agreement and the other Credit Documents, and (iv) by
         entering into this Agreement, the Lenders do not waive or release any
         term or condition of the Credit Agreement or any of the other Credit
         Documents or any of their rights or remedies under such Credit
         Documents or applicable law or any of the obligations of any Credit
         Party thereunder.

                  (c)      The Credit Parties represent and warrant to the
         Lenders that (i) the representations and warranties of the Credit
         Parties set forth in Section 6 of the Credit Agreement are true and
         correct as of the date hereof and (ii) no event has occurred and is
         continuing which constitutes a Default or an Event of Default.

                  (d)      This Agreement may be executed in any number of
         counterparts, each of which when so executed and delivered shall be an
         original, but all of which shall constitute one and the same
         instrument. It shall not be necessary in making proof of this Agreement
         to produce or account for more than one such counterpart.

                  (e)      This Agreement shall be governed by and construed in
         accordance with, the laws of the State of Georgia.

                  (f)      This Agreement shall be binding upon and inure to the
         benefit of the parties hereto and their respective successors and
         assigns.

                  (g)      The Borrower and the Guarantors, as applicable,
         affirm the liens and security interests created and granted in the
         Collateral Documents and agree that this Agreement shall in no manner
         adversely affect or impair such liens and security interests.

                  (h)      Each Credit Party hereby represents and warrants as
         follows:

                           (i)      Each Credit Party has taken all necessary
                  action to authorize the execution, delivery and performance of
                  this Agreement.

                                       4

<PAGE>

                           (ii)     This Agreement has been duly executed and
                  delivered by the Credit Parties and constitutes each of the
                  Credit Parties' legal, valid and binding obligations,
                  enforceable in accordance with its terms, except as such
                  enforceability may be subject to (A) bankruptcy, insolvency,
                  reorganization, fraudulent conveyance or transfer, moratorium
                  or similar laws affecting creditors' rights generally and (B)
                  general principles of equity (regardless of whether such
                  enforceability is considered in a proceeding at law or in
                  equity).

                           (iii)    No consent, approval, authorization or order
                  of, or filing, registration or qualification with, any court
                  or governmental authority or third party is required in
                  connection with the execution, delivery or performance by any
                  Credit Party of this Agreement.

                  (i)      The Guarantors (i) acknowledge and consent to all of
         the terms and conditions of this Agreement, (ii) affirm all of their
         obligations under the Credit Documents and (iii) agree that this
         Agreement and all documents executed in connection herewith do not
         operate to reduce or discharge the Guarantors' obligations under the
         Credit Agreement or the other Credit Documents.

                  (j)      This Agreement together with the other Credit
         Documents represent the entire agreement of the parties and supersedes
         all prior agreements and understandings, oral or written if any,
         relating to the Credit Documents or the transactions contemplated
         herein and therein.

                  [remainder of page intentionally left blank]

                                       5

<PAGE>

         Each of the parties hereto has caused a counterpart of this Agreement
to be duly executed and delivered as of the date first above written.

BORROWER:            PRG-SCHULTZ USA, INC. (formerly The Profit Recovery.
                     Group USA, Inc.), a Georgia corporation

                     By: /s/ Donald E. Ellis, Jr.
                         -------------------------------------
                     Name:  Donald E. Ellis, Jr.
                     Title: Executive Vice President - Finance,
                            Chief Financial Officer and Treasurer

GUARANTORS:          PRG-SCHULTZ INTERNATIONAL, INC. (formerly The Profit
                     Recovery Group International, Inc.), a Georgia corporation

                     By: /s/ Donald E. Ellis, Jr.
                         -------------------------------------
                     Name:   Donald E. Ellis, Jr.
                     Title:  Executive Vice President - Finance,
                             Chief Financial Officer and Treasurer

                     PRGFS, INC.,
                     PRGLS, INC.,
                     each a Delaware corporation

                     By: /s/ Donald E. Ellis, Jr.
                         -------------------------------------
                     Name:  Donald E. Ellis, Jr.
                     Title: Executive Vice President - Finance

                     PRGRS, INC., a Delaware corporation

                     By: /s/ Mark L. Henry
                         ----------------------------------------
                     Name:  Mark L. Henry
                     Title: Vice President

                     PRG HOLDING CO. (FRANCE) NO.1, LLC,
                     PRG HOLDING CO. (FRANCE) NO.2, LLC,
                     each a Delaware limited liability company

                     By: /s/ Donald E. Ellis, Jr.
                         -------------------------------------
                     Name:  Donald E. Ellis, Jr.
                     Title: Executive Vice President - Finance,
                            Chief Financial Officer and Treasurer

<PAGE>

GUARANTORS:          THE PROFIT RECOVERY GROUP ASIA, INC.,
                     PRG-SCHULTZ CANADA, INC. (formerly The Profit Recovery
                        Group Canada, Inc.),
                     THE PROFIT RECOVERY GROUP NEW ZEALAND, INC.,
                     THE PROFIT RECOVERY GROUP NETHERLANDS, INC.,
                     THE PROFIT RECOVERY GROUP MEXICO, INC.,
                     PRG-SCHULTZ FRANCE, INC. (formerly The Profit Recovery
                        Group France, Inc.)
                     PRG-SCHULTZ AUSTRALIA, INC. (formerly The Profit Recovery
                        Group Australia, Inc.),
                     PRG-SCHULTZ BELGIUM, INC. (formerly The Profit Recovery
                     Group Belgium, Inc.)
                     THE PROFIT RECOVERY GROUP GERMANY, INC.,
                     PRG INTERNATIONAL, INC.,
                     THE PROFIT RECOVERY GROUP SWITZERLAND, INC.,
                     THE PROFIT RECOVERY GROUP SOUTH AFRICA, INC.,
                     THE PROFIT RECOVERY GROUP SPAIN, INC.,
                     THE PROFIT RECOVERY GROUP ITALY, INC.,
                     PRG-SCHULTZ NORWAY, INC.
                     THE PROFIT RECOVERY GROUP PORTUGAL, INC.,
                     PRG-SCHULTZ JAPAN, INC. (formerly Payment Technologies,
                       Inc.)
                     THE PROFIT RECOVERY GROUP COSTA RICA, INC.,
                     PRG-SCHULTZ PUERTO RICO, INC. (formerly PRG, INC.,)
                     PRG USA, INC.,
                     each a Georgia corporation

                     By: /s/ Donald E. Ellis, Jr.
                         -------------------------------------
                     Name:  Donald E. Ellis, Jr.
                     Title: Executive Vice President - Finance,
                            Chief Financial Officer and Treasurer

                     HS&A ACQUISITION - UK, INC.,
                     a Texas corporation

                     By: /s/ Donald E. Ellis, Jr.
                         -------------------------------------
                     Name:  Donald E. Ellis, Jr.
                     Title: Executive Vice President - Finance,
                            Chief Financial Officer and Treasurer

<PAGE>

ADMINISTRATIVE AGENT:          BANK OF AMERICA, N.A.

                               By: /s/ Laura B. Schmuck
                                   --------------------------------------
                               Name:  Laura B. Schmuck
                               Title: Agency Officer
                                      Assistant Vice President

LENDERS:                       BANK OF AMERICA, N.A.

                               By: /s/ Nancy S. Goldman
                                   --------------------------------------
                               Name:  Nancy S. Goldman
                               Title: Senior Vice President

                               LASALLE BANK, NATIONAL ASSOCIATION

                               By: /s/ Sara A. Huizinga
                                   --------------------------------------
                               Name:  Sara A. Huizinga
                               Title: Assistant Vice President

                               WACHOVIA BANK, NATIONAL ASSOCIATION
                               (formerly known as Wachovia Bank, N.A.)

                               By: /s/ Michael J. Romano
                                   --------------------------------------
                               Name:  Michael J. Romano
                               Title: Vice President<PAGE>

                                                                    EXHIBIT 10.4

                                 SIXTH AMENDMENT
                               TO CREDIT AGREEMENT

         THIS SIXTH AMENDMENT TO CREDIT AGREEMENT (this "Agreement"), dated as
of March 25, 2004, is by and among PRG-SCHULTZ USA, INC. (formerly The Profit
Recovery Group USA, Inc.), a Georgia corporation (the "Borrower"), PRG-SCHULTZ
INTERNATIONAL, INC. (formerly The Profit Recovery Group International, Inc.), a
Georgia corporation (the "Parent"), each of the Domestic Subsidiaries of the
Parent (together with the Parent, the "Guarantors"), the Lenders party thereto
and BANK OF AMERICA, N.A., as Administrative Agent. All capitalized terms used
herein and not otherwise defined shall have the meanings provided in the Credit
Agreement (as defined below)

                                   WITNESSETH:

         WHEREAS, the Borrower, the Guarantors, the Lenders and the
Administrative Agent entered into that certain Credit Agreement dated as of
December 31, 2001 (as amended or modified from time to time, the "Credit
Agreement"); and

         WHEREAS, as part of a corporate reorganization, HS&A Acquisition-UK,
Inc., a wholly owned Domestic Subsidiary of the Parent ("HS&A") plans to sell
100% of the Capital Stock of Tamebond Limited ("Tamebond") to Meridian Corp-
oration Limited, a wholly owned Foreign Subsidiary of the Parent ("Meridian")
for (i) cash consideration totaling approximately 12,700,000 Euros and (ii)
shares of Capital Stock in Meridian in an amount to be determined. Meridian
intends to borrow up to 12,700,000 Euros from Meridian VAT Processing
(International) Limited, a wholly owned Subsidiary of Meridian ("Meridian
International") to fund the cash portion of the acquisition of the Tamebond
stock. As collateral for such loan, Meridian plans to pledge the Capital Stock
of Tamebond to Meridian International. The transactions described above may be
referred to collectively herein as the "Transaction"; and

         WHEREAS, the Borrower has requested and the Lenders have agreed to
amend certain terms of the Credit Agreement to permit the Transaction as set
forth below;

         NOW, THEREFORE, in consideration of the agreements contained herein and
other good and valuable consideration, the parties hereby agree as follows:

         1.       Amended Definitions.

                  (a)      Clause (xii) in the definition of Permitted
         Investments is renumbered as clause (xiii) and a new clause (xii) is
         hereby added to the definition of Permitted Investments in the
         appropriate order and shall read as follows:

                  and (xii) Investment by Meridian International in Meridian in
                  the form of the Meridian Loan.

                  (b)      Clause (x) in the definition of Permitted Liens is
         renumbered as (xi) and a new clause (x) is hereby added at the end of
         the definition of Permitted Liens in the appropriate order and shall
         read as follows:

                  and (x) Lien in favor of Meridian International on the Capital
                  Stock of Tamebond owned by Meridian which Lien secures the
                  Meridian Loan and

<PAGE>

         2.       New Definitions. The following definitions are hereby added to
Section 1.1 of the Credit Agreement in the appropriate alphabetical order and
shall read as follows

                  "HS&A" means HS&A Acquisition UK, Inc., a Texas corporation.

                  "Meridian Loan" means the loan by Meridian International to
         Meridian in an aggregate amount not to exceed approximately 12,700,000
         Euros.

                  "Tamebond" means Tamebond Limited, a U.K. corporation.

         3.       Amendment to Section 8.1. A new subclause (m) is hereby added
at the end of Section 8.1 of the Credit Agreement and shall read as follows:

                  and (m) the Meridian Loan

         4.       Amendment to Section 8.5. A new subclause (vii) is hereby
added at the end of Section 8.5 of the Credit Agreement and shall read as
follows:

                  and (vii) the sale by HS&A of 100% of the Capital Stock of
         Tamebond to Meridian for (a) approximately $16,000,000 in cash and (b)
         shares of Capital Stock in Meridian in an amount to be determined;
         provided that (i) the Dollar equivalent of the approximately 12,700,000
         Euros in cash proceeds received by HS&A from such sale are immediately
         used to prepay the Loans in accordance with Section 3.3(b)(ii) and (ii)
         within 45 days of such sale, HS&A pledges and assigns to the
         Administrative Agent, for the benefit of the Lenders, 66% of such
         newly-issued Capital Stock of Meridian pursuant to a pledge agreement
         in a form acceptable to the Administrative Agent in its reasonable
         discretion and delivers such other documentation to the Administrative
         Agent as requested by the Administrative Agent in connection therewith,
         including without limitation, favorable opinions of counsel, all in
         form and substance reasonably satisfactory to the Administrative Agent.

         5.       Amendment to Section 8.8. A new sentence is hereby added at
the end of Section 8.8 of the Credit Agreement and shall read as follows:

         Notwithstanding the foregoing, HS&A is permitted to sell the Capital
Stock of Tamebond to Meridian in accordance with the terms of Section 8.5(vii)
and Meridian International is permitted to make the Meridian Loan.

         6.       Meridian Pledge Agreement. The Lenders hereby acknowledge and
agree (a) that the Administrative Agent and the Parent may make any amendments
to the pledge agreement presently governing the pledge of 66% of the Capital
Stock of Meridian to the Administrative Agent necessary to permit the issuance
of shares of Capital Stock of Meridian to HS&A and (b) the Administrative Agent
may release the Administrative Agent's security interest in the Capital Stock of
Tamebond presently held by the Administrative Agent on the date of the
consummation of the Transaction.

         7.       Revolving Committed Amount. Notwithstanding any provisions
hereof and any other provision in the Credit Agreement to the contrary, the
Lenders hereby agree that the Revolving Committed Amount shall not be reduced by
the amount of the prepayment required to be made by the Borrower pursuant to
Section 8.5(vii).

                                       2

<PAGE>

         8.       Conditions Precedent. This Agreement shall become effective
immediately upon receipt by the Administrative Agent of counterparts of this
Agreement duly executed by the Borrower, the Guarantors, the Administrative
Agent and the Required Lenders, in form and substance satisfactory to the
Administrative Agent.

         9.       Miscellaneous.

                  (a)      The term "Credit Agreement" as used in each of the
         Credit Documents shall hereafter mean the Credit Agreement as amended
         by this Agreement. Except as herein specifically agreed, the Credit
         Agreement, and the obligations of the Credit Parties thereunder and
         under the other Credit Documents, are hereby ratified and confirmed and
         shall remain in full force and effect according to their terms.

                  (b)      The Credit Parties acknowledge and confirm (i) that
         the Administrative Agent, on behalf of the Lenders, has a valid and
         enforceable first priority security interest in the Collateral, (ii)
         that the Borrower's obligation to repay the outstanding principal
         amount of the Loans and reimburse the Issuing Lender for any drawing on
         a Letter of Credit is unconditional and not subject to any offsets,
         defenses or counterclaims, (iii) that the Administrative Agent and the
         Lenders have performed fully all of their respective obligations under
         the Credit Agreement and the other Credit Documents, and (iv) by
         entering into this Agreement, the Lenders do not waive or release any
         term or condition of the Credit Agreement or any of the other Credit
         Documents or any of their rights or remedies under such Credit
         Documents or applicable law or any of the obligations of any Credit
         Party thereunder.

                  (c)      The Credit Parties represent and warrant to the
         Lenders that (i) the representations and warranties of the Credit
         Parties set forth in Section 6 of the Credit Agreement are true and
         correct as of the date hereof and (ii) no event has occurred and is
         continuing which constitutes a Default or an Event of Default.

                  (d)      This Agreement may be executed in any number of
         counterparts, each of which when so executed and delivered shall be an
         original, but all of which shall constitute one and the same
         instrument. It shall not be necessary in making proof of this Agreement
         to produce or account for more than one such counterpart.

                  (e)      This Agreement shall be governed by and construed in
         accordance with, the laws of the State of Georgia.

                  (f)      This Agreement shall be binding upon and inure to the
         benefit of the parties hereto and their respective successors and
         assigns.

                  (g)      The Borrower and the Guarantors, as applicable,
         affirm the liens and security interests created and granted in the
         Collateral Documents and agree that this Agreement shall in no manner
         adversely affect or impair such liens and security interests.

                  (h)      Each Credit Party hereby represents and warrants as
         follows:

                           (i)      Each Credit Party has taken all necessary
                  action to authorize the execution, delivery and performance of
                  this Agreement.

                                       3

<PAGE>

                           (ii)     This Agreement has been duly executed and
                  delivered by the Credit Parties and constitutes each of the
                  Credit Parties' legal, valid and binding obligations,
                  enforceable in accordance with its terms, except as such
                  enforceability may be subject to (A) bankruptcy, insolvency,
                  reorganization, fraudulent conveyance or transfer, moratorium
                  or similar laws affecting creditors' rights generally and (B)
                  general principles of equity (regardless of whether such
                  enforceability is considered in a proceeding at law or in
                  equity).

                           (iii)    No consent, approval, authorization or order
                  of, or filing, registration or qualification with, any court
                  or governmental authority or third party is required in
                  connection with the execution, delivery or performance by any
                  Credit Party of this Agreement.

                  (i)      The Guarantors (i) acknowledge and consent to all of
         the terms and conditions of this Agreement, (ii) affirm all of their
         obligations under the Credit Documents and (iii) agree that this
         Agreement and all documents executed in connection herewith do not
         operate to reduce or discharge the Guarantors' obligations under the
         Credit Agreement or the other Credit Documents.

                  (j)      This Agreement together with the other Credit
         Documents represent the entire agreement of the parties and supersedes
         all prior agreements and understandings, oral or written if any,
         relating to the Credit Documents or the transactions contemplated
         herein and therein.

                  [remainder of page intentionally left blank]

                                       4

<PAGE>

         Each of the parties hereto has caused a counterpart of this Agreement
to be duly executed and delivered as of the date first above written:

BORROWER:                  PRG-SCHULTZ USA, INC. (formerly The Profit Recovery
                           Group USA, Inc.), a Georgia corporation

                           By: /s/ James E. Moylan, Jr.
                                ---------------------------------
                           Name: James E. Moylan, Jr.
                           Title: Executive Vice President - Finance,
                                  Chief Financial Officer and Treasurer

GUARANTORS:                PRG-SCHULTZ INTERNATIONAL, INC. (formerly The Profit
                           Recovery Group International, Inc.), a Georgia
                           corporation

                           By: /s/ James E. Moylan, Jr.
                                ---------------------------------
                           Name: James E. Moylan, Jr.
                           Title: Executive Vice President - Finance,
                                  Chief Financial Officer and Treasurer

                           PRGFS, INC.,
                           PRGLS, INC.,
                           each a Delaware corporation

                           By: /s/ James E. Moylan, Jr.
                                ---------------------------------
                           Name: James E. Moylan, Jr.
                           Title: Executive Vice President - Finance

                           PRGRS, INC., a Delaware corporation

                           By: /s/ Mark L. Henry
                                ---------------------------------
                           Name:  Mark L. Henry
                           Title: VP Assistant Secretary

                           PRG HOLDING CO. (FRANCE) NO. 1, LLC,
                           PRG HOLDING CO. (FRANCE) NO. 2, LLC,
                           each a Delaware limited liability company

                           By: /s/ James E. Moylan, Jr.
                                ---------------------------------
                           Name: James E. Moylan, Jr.
                           Title: Executive Vice President - Finance,
                                  Chief Financial Officer and Treasurer

                                                           PRG-SCHULTZ USA, INC.
                                                                 SIXTH AMENDMENT
<PAGE>

GUARANTORS:         THE PROFIT RECOVERY GROUP ASIA, INC.,
                    PRG-SCHULTZ CANADA, INC. (Formerly The Profit Recovery
                      Group Canada, Inc.),
                    THE PROFIT RECOVERY GROUP NEW ZEALAND, INC.,
                    THE PROFIT RECOVERY GROUP NETHERLANDS, INC.,
                    THE PROFIT RECOVERY GROUP MEXICO, INC.,
                    PRG-SCHULTZ FRANCE, INC. (formerly The Profit Recovery
                      Group France, Inc.)
                    PRG-SCHULTZ AUSTRALIA, INC. (formerly The Profit Recovery
                      Group Australia, Inc.),
                    PRG-SCHULTZ BELGIUM, INC. (formerly The Profit Recovery
                      Group Belgium, Inc.)
                    THE PROFIT RECOVERY GROUP GERMANY, INC.,
                    PRG INTERNATIONAL, INC.,
                    THE PROFIT RECOVERY GROUP SWITZERLAND), INC.,
                    THE PROFIT RECOVERY GROUP SOUTH AFRICA, INC.,
                    THE PROFIT RECOVERY GROUP SPAIN. INC.,
                    THE PROFIT RECOVERY GROUP ITALY, INC.,
                    PRG-SCHULTZ NORWAY, INC.
                    THE PROFIT RECOVERY GROUP PORTUGAL, INC.,
                    PRG-SCHULTZ JAPAN, INC. (formerly Payment Technologies,
                      Inc.)
                    THE PROFIT RECOVERY GROUP COSTA RICA, INC.,
                    PRG-SCHULTZ PUERTO RICO, INC. (formerly PRG. INC.,)
                    PRG USA, INC.,
                    each a Georgia corporation

                    By: /s/ James E. Moylan, Jr.
                         ---------------------------------
                    Name: James E. Moylan, Jr.
                    Title: Executive Vice President - Finance,
                           Chief Financial Officer and Treasurer

                     HS&A ACQUISITION - UK, INC.,
                     a Texas corporation

                    By: /s/ James E. Moylan, Jr.
                         ---------------------------------
                    Name: James E. Moylan, Jr.
                    Title: Executive Vice President - Finance,
                           Chief Financial Officer and Treasurer

                                                           PRG-SCHULTZ USA, INC.
                                                                 SIXTH AMENDMENT
<PAGE>

ADMINISTRATIVE AGENT:          BANK OF AMERICA, N.A.

                               By: /s/ Michael Brashler
                                   --------------------------------------
                               Name:   Michael Brashler
                               Title:  Vice President

LENDERS:                       BANK OF AMERICA, N.A.

                               By: /s/ Nancy S. Goldman
                                   --------------------------------------
                               Name:  Nancy S. Goldman
                               Title: Senior Vice President

                               LASALLE BANK, NATIONAL ASSOCIATION

                               By: /s/ Sara A. Huizinga
                                   --------------------------------------
                               Name:  Sara A. Huizinga
                               Title: Assistant Vice President

                               WACHOVIA BANK, NATIONAL ASSOCIATION
                               (formerly known as Wachovia Bank, N.A.)

                               By: /s/ J. Michael Wilson
                                   --------------------------------------
                               Name:  J. Michael Wilson
                               Title: Senior Vice President

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