Document:

AMENDMENT NO. 5 TO THE
                  SECOND AMENDED AND RESTATED CREDIT AGREEMENT

                                                    Dated as of January 16, 2001

                  AMENDMENT NO. 5 (this "Amendment") to the Credit Agreement (as
defined herein) among Quality  Stores,  Inc., a Delaware  corporation  (formerly
known as "Central Tractor Farm & Country, Inc.") (the "Borrower"), QSI Holdings,
Inc., a Delaware corporation (formerly known as "CT Holding, Inc.") ("Holding"),
certain of the banks,  financial  institutions and other  institutional  lenders
listed on the signature  pages hereof the  "Lenders"),  and Fleet  National Bank
("Fleet"),  as administrative agent (the "Administrative  Agent") for the Lender
Parties (as defined in the Credit Agreement).

                             PRELIMINARY STATEMENTS

         (1) The Borrower,  Holding,  the Initial  Lenders,  the Initial Issuing
Bank,  the Swing Line Bank and the Agents have entered into a Second Amended and
Restated Credit Agreement dated as of May 7, 1999, as amended by Amendment No. 1
dated as of March 31,  2000,  Amendment  No. 2 dated as of  September  22, 2000,
Amendment  No. 3 dated as of September  27, 2000 and Amendment No. 4 dated as of
December 4, 2000 (as so  amended,  the "Credit  Agreement").  Capitalized  terms
defined in the Credit Agreement and not otherwise  defined in this Amendment are
used herein as therein defined.

         (2) The Borrower has  requested  that the Lenders  amend the "clean up"
requirement  applicable to the Revolving Credit Advances as set forth in Section
5.04(d) of the Credit Agreement.

         (3)  The  Lenders  have  agreed  to  amend  the  Credit   Agreement  as
hereinafter set forth.

                  NOW,  THEREFORE,  in  consideration of the premises and of the
mutual  covenants and  agreements  contained  herein,  the parties hereto hereby
agree as follows:

                  SECTION  1.  Amendment  of the  Credit  Agreement.  The Credit
Agreement is, upon the Effective Date (as hereinafter  defined),  hereby amended
as follows:

                  (a)  Section  5.02(s)  is  hereby  amended  in full to read as
         follows:

                           "(s) Equity and  Management  Fees.  Through and until
                           February  28,  2001,  make,  or  permit  any  of  its
                           Subsidiaries to make, any cash payment of equity fees
                           or  management  fees  (other than  reasonable  out of
                           pocket  expenses)  to the Equity  Investors  or other
                           persons,  and  thereafter  make, or permit any of its
                           Subsidiaries to make, any cash payment of equity fees
                           or  management  fees  (other than  reasonable  out of
                           pocket  expenses)  to the Equity  Investors  or other
                           persons  while ever there shall exist a Default or an
                           Event of Default.".

<PAGE>
                                       2

                  (b) Section 5.04(d) of the Credit  Agreement is hereby amended
         by deleting the lines:

Period                                                          Amount
------                                                          ------
"January 12, 2001-January 15, 2001                            $121,000,000
 January 16, 2001-January 30, 2001                             $96,000,000
 January 31, 2001                                              $93,500,000"

and replacing them with the following:

Period                                                          Amount
------                                                          ------
"January 12, 2001- February 16, 2001                          $121,200,000
 February 17, 2001 - February 28, 2001                         $93,500,000"

                  (c) Section 5.04(e) of the Credit  Agreement is amended by (1)
         inserting  the words "or  period"  after the word  "dates" and the word
         "date"  where those words first occur in that  Section and (2) deleting
         the line:

                    Date                                            Ratio
                    ----                                            -----
                    January 31, 2001                                0.87

                  and replacing it with the following:

                    Period                                          Ratio
                    ------                                          -----
                    January 15, 2001 - February 16, 2001            0.90

                  (d) Section 6.01 of the Credit  Agreement is hereby amended by
         adding immediately before the paragraph commencing "then" the following
         subsection:

                  "(r) Holding shall have failed to receive (after the Effective
         Date of Amendment No. 5) cash proceeds of at least  $2,500,000 from the
         sale of common  stock or  convertible  preferred  stock (not subject to
         mandatory redemption) of Holding on or before February 16, 2001."

                  (e) Section 7.07 of the Credit  Agreement is hereby amended by
         (1)  inserting  after the word "leases" the words "and to meet with the
         management of any of the Loan Parties," and (2) by inserting  after the
         word  "therewith"  the words ", or in connection  with a meeting of the
         steering committee,".

                  SECTION 2. Conditions of Effectiveness of this Amendment. This
Amendment  shall  become  effective  as of the date first  above  written on the
Business  Day when,  and only

<PAGE>
                                       3

when, the following  conditions  shall have been satisfied (such date being, for
purposes hereof, the "Effective Date"):

                  (a) The Administrative Agent shall have received  counterparts
         of (i)  this  Amendment  executed  by the  Borrower,  Holding  and  the
         Required  Lenders  or,  as  to  any  of  the  Lender  Parties,   advice
         satisfactory  to the  Administrative  Agent that such Lender  Party has
         executed  this  Amendment  and  (ii) the  consent  dated as of the date
         hereof (a copy of which is attached  hereto) (the  "Consent",  together
         with this Amendment,  the "Amendment  Documents"),  executed by each of
         the Loan Parties.

                  (b)  The  Administrative  Agent  shall  have  received  signed
         originals of proper financing statements,  to be filed on or before the
         Effective Date under the Uniform  Commercial Code of all  jurisdictions
         that the Administrative  Agent may deem necessary or desirable in order
         to perfect and protect the first priority liens and security  interests
         created under the Security Agreement, covering the Collateral described
         in the Security Agreement, as supplemented.

                  (c) On the Effective Date (and giving effect thereto), (i) the
         representations and warranties  contained in each of the Loan Documents
         (including,  without limitation,  in Section 3 of this Amendment) shall
         be correct in all  material  respects  as though  made on and as of the
         Effective Date (other than any such representations or warranties that,
         by their terms, refer to a specific date other than the Effective Date,
         in which case as of such  specific  date) and (ii) no event  shall have
         occurred and be continuing that would constitute a Default.

                  (d) The Administrative Agent shall have received a certificate
         of the Chief Financial Officer of the Borrower confirming  satisfaction
         of the conditions specified in paragraph (c) above.

                  (e) The  Administrative  Agent  shall have  received  from the
         Borrower,  on or before the  Effective  Date, an amendment fee equal to
         $200,000 payable to those Lenders who sign this Amendment  according to
         the pro rata share of the Commitments of each such Lender.

                  (f) All of the reasonable accrued and unpaid fees and expenses
         of counsel and accountants for the Administrative Agent shall have been
         paid in full, including,  without limitation,  the fees and expenses of
         FTI/Policano  & Manzo,  L.L.C.  and Shearman & Sterling,  provided that
         following  the  payment of such fees and  expenses  the  balance of the
         retainer  paid to Shearman & Sterling for  application  against  future
         fees and expenses shall be $75,000 and the balance of the retainer paid
         to FTI/Policano & Manzo, L.L.C. for application against future fees and
         expenses shall be $50,000.

                  (g) The Borrower shall have paid in full all of the reasonable
         accrued and unpaid fees and expenses of (i) Fleet  Retail  Finance with
         respect  to the  field  examination

<PAGE>
                                       4

         conducted  by them and (ii) Great  American  Group with  respect to the
         appraisal of inventory conducted by them.

         The  effectiveness  of this Amendment is further  conditioned  upon the
accuracy of all of the factual  matters  described  herein.  This  Amendment  is
further subject to the provisions of Section 9.01 of the Credit Agreement.

                  SECTION 3. Representations and Warranties. Each of Holding and
the Borrower hereby represents and warrants as follows:

                  (a) The execution, delivery and performance by each Loan Party
         of any of the Amendment  Documents and Loan  Documents to which it is a
         party, as amended  hereby,  and the  consummation  of the  transactions
         contemplated hereby and thereby, are within such Loan Party's corporate
         powers,  have been duly authorized by all necessary  corporate  action,
         and do not (i)  contravene  such Loan Party's  charter or bylaws,  (ii)
         violate any law (including, without limitation, the Securities Exchange
         Act  of  1934),  rule,  regulation   (including,   without  limitation,
         Regulation X of the Board of Governors of the Federal Reserve  System),
         order,  writ,  judgment,  injunction,  decree,  determination  or award
         applicable  to such Loan Party,  (iii)  conflict  with or result in the
         breach of, or constitute a default under, any contract, loan agreement,
         indenture (including without limitation the Indenture),  mortgage, deed
         of trust,  lease or other  instrument  binding on or affecting any Loan
         Party, any of its Subsidiaries or any of their properties other than as
         specified  in the Credit  Agreement,  or (iv) except for Liens  created
         under the Collateral Documents, as amended hereby, result in or require
         the creation or  imposition  of any Lien upon or with respect to any of
         the  properties of any Loan Party or any of its  Subsidiaries.  No Loan
         Party or any of its Subsidiaries is in violation of any such law, rule,
         regulation, order, writ, judgment, injunction, decree, determination or
         award or in breach of any such  contract,  loan  agreement,  indenture,
         mortgage,  deed of trust,  lease or other instrument,  the violation or
         breach  of which is  reasonably  expected  to have a  Material  Adverse
         Effect.

                  (b) No  authorization  or approval or other  action by, and no
         notice to or filing with, any governmental authority or regulatory body
         or any other third party is required to be obtained by the Loan Parties
         in connection  with the execution and delivery,  or  performance by any
         Loan Party of any of its obligations  under, any Amendment  Document to
         which it is a party.

                  (c)  Each  Amendment  Document  has  been  duly  executed  and
         delivered by each Loan Party party thereto, and is the legal, valid and
         binding  obligation of such Loan Party,  enforceable  against such Loan
         Party  in  accordance  with  its  terms  except  as may be  limited  by
         bankruptcy,  insolvency,  reorganization,   moratorium  or  other  laws
         relating to or limiting  creditors'  rights or by equitable  principles
         generally.

                  (d) No Loan Party has an  existing  claim  against  any Lender
         Party  arising  out of,  relating  to or in  connection  with  the Loan
         Documents.

<PAGE>
                                       5

                  (e) No Loan Party is in breach of, or in default under, the 10
         5/8 % Senior Notes due 2007 issued by the Borrower, any contract,  loan
         agreement,   indenture,   mortgage,  deed  of  trust,  lease  or  other
         instrument,  binding  on or  affecting  any  Loan  Party,  any  of  its
         Subsidiaries or any of their properties,  where the consequence of such
         default is to confer rights upon any person against the Borrower or any
         of its Subsidiaries which, if exercised,  can be reasonably expected to
         have a Material Adverse Effect.

                  SECTION 4. Waiver and Release. The Borrower and Holding hereby
waive  and  agree not to assert  any  claims  or  causes of action  against  the
Administrative Agent, the Syndication Agent, the Documentation Agent, any Lender
Party  or  any  of  their  Affiliates,  or any  of  their  respective  officers,
directors,  employees, attorneys and agents, on any theory of liability, whether
known or unknown,  matured or contingent,  including,  without  limitation,  for
special, indirect, consequential or punitive damages, in each case to the extent
arising on or before the date  hereof,  out of or  otherwise  relating to, or in
connection with, the Amendment Documents, the Facilities, the actual or proposed
use of the proceeds of the Advances or the Letters of Credit, the Loan Documents
or any of the transactions entered into in connection therewith.

                  SECTION 5. Reference to and Effect on the Loan Documents.

                  (a) On and after the  Effective  Date,  each  reference in the
         Credit Agreement to "this Agreement", "hereunder", "hereof" or words of
         like import  referring to the Credit  Agreement,  and each reference in
         the Notes and the  other  Loan  Documents  to "the  Credit  Agreement",
         "thereunder", "thereof" or words of like import referring to the Credit
         Agreement,  shall mean and be a reference to the Credit  Agreement,  as
         amended and otherwise modified hereby.

                  (b) The Credit Agreement, the Notes and each of the other Loan
         Documents,   except  to  the  extent  of  the   amendments   and  other
         modifications specifically provided above, are and shall continue to be
         in full force and effect and are hereby in all  respects  ratified  and
         confirmed.  Without  limiting  the  generality  of the  foregoing,  the
         Collateral Documents and all of the Collateral described therein do and
         shall  continue  to secure the payment of all  Obligations  of the Loan
         Parties  under and in respect  of the Loan  Documents,  as amended  and
         otherwise modified by this Amendment.

                  (c)  The  execution,   delivery  and   effectiveness  of  this
         Amendment shall not, except as expressly provided herein,  operate as a
         waiver of any right,  power or remedy of any Lender  Party or any Agent
         under  any of the  Loan  Documents,  nor  constitute  a  waiver  of any
         provision of any of the Loan Documents.

                  SECTION 6. Costs and Expenses.  The Borrower  hereby agrees to
pay, upon demand, all costs and expenses of the Administrative Agent (including,
without  limitation,  the reasonable  fees and expenses of counsel and financial
advisors  for the  Administrative  Agent) in  connection  with the  preparation,
execution, delivery, administration,  syndication, modification and amendment of
this  Amendment  and the  other  documents,  instruments  and  agreements  to be
delivered  hereunder,  all in  accordance  with the terms of Section 9.04 of the
Credit Agreement.

<PAGE>
                                       6

                  SECTION 7.  Execution in  Counterparts.  This Amendment may be
executed  in any  number of  counterparts  and by  different  parties  hereto in
separate  counterparts,  each of which when so executed shall be deemed to be an
original  and all of which  taken  together  shall  constitute  one and the same
agreement.  Delivery of an  executed  counterpart  of a  signature  page to this
Amendment by  telecopier  shall be effective as delivery of a manually  executed
counterpart of this Amendment.

                  SECTION 8. Governing Law. This Amendment shall be governed by,
and construed in accordance with, the laws of the State of New York.

                  SECTION 9. Waiver of Jury  Trial.  Each of the  Borrower,  the
Subsidiary   Guarantors,   the  Administrative  Agent  and  the  Lender  Parties
irrevocably  waives  all  right to trial by jury in any  action,  proceeding  or
counterclaim  (whether based on contract,  tort or otherwise)  arising out of or
relating to this  Amendment  or the actions of the  Administrative  Agent or any
Lender Party in the  negotiation,  administration,  performance  or  enforcement
thereof.

<PAGE>

                  IN WITNESS  WHEREOF,  the  parties  hereto  have  caused  this
Agreement to be executed by their respective officers thereunto duly authorized,
as of the date first above written.

                                    QUALITY STORES, INC. (FORMERLY KNOWN
                                    AS CENTRAL TRACTOR FARM & COUNTRY, INC.)

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QSI HOLDINGS, INC. (FORMERLY KNOWN AS
                                    CT HOLDING, INC.)

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    FLEET NATIONAL BANK, as Administrative Agent

                                    By:  ______________________________________
                                           Title:

<PAGE>

                                    LENDERS

                                    BANK OF AMERICA, N.A.

                                    By: ______________________________
                                        Title:

                                    STEIN ROE & FARNHAM CLO I LTD.,
                                    By: Stein Roe & Farnham Incorporated
                                        as Portfolio Manager

                                    By: /s/ James R. Fellows
                                         Title: Sr. Vice President & Portfolio
                                                Manager

                                    FIRST UNION NATIONAL BANK

                                    By: /s/ Helen F. Wessling
                                         Title: SVP

                                    U.S. BANK NATIONAL ASSOCIATION

                                    By: /s/
                                         Title: Senior Vice President

                                    THE HUNTINGTON NATIONAL BANK

                                    By: /s/
                                         Title: SVP

                                    HELLER FINANCIAL, INCORPORATED

                                    By: /s/ Sheila C. Welmer
                                         Title: Vice President

<PAGE>

                                    HARRIS TRUST AND SAVINGS BANK

                                    By: ______________________________________
                                         Title:

                                    COMERICA BANK

                                    By: /s/
                                         Title: Vice President

                                    KEY CORPORATE CAPITAL

                                    By: /s/ Alex Strazzella
                                         Title: Vice President

                                    BHF (USA) CAPITAL CORPORATION

                                    By: /s/ Nina Zhou
                                         Title: Associate

                                    By: /s/ Christopher J. Ruzzi
                                         Title: Vice President

                                    UNION BANK OF CALIFORNIA, N.A.

                                    By: /s/ J. William Bloore
                                         Title: Vice President

<PAGE>

                                    FIRSTAR BANK, NATIONAL ASSOCIATION

                                    By: /s/ Linda S. Retzlaff
                                         Title: Vice President

                                    NATIONAL CITY BANK

                                    By: ______________________________________
                                         Title:

                                    THE FUJI BANK, LIMITED

                                    By: /s/ Peter L. Chinnici
                                         Title: Senior Vice President & Group
                                                Head

                                    STATE STREET BANK AND TRUST COMPANY,
                                    as Trustee for GENERAL MOTORS EMPLOYEES
                                    GLOBAL GROUP PENSION TRUST

                                    By: ______________________________________
                                         Title:

                                    STATE STREET BANK AND TRUST COMPANY,
                                    as Trustee for GENERAL MOTORS WELFARE
                                    BENEFITS TRUST

                                    By: ______________________________________
                                         Title:

<PAGE>

                                    SEQUILS PILGRIM - I LTD.
                                    By: Pilgrim Investments, Inc., as its
                                    Investment Manager

                                    By: /s/ Charles E. LeMieux, CFA
                                         Title: Vice President

                                    PERSEUS CDO I, LIMITED
                                    By: Massachusetts Mutual Life Insurance
                                           Company as its Collateral Manager

                                    By: /s/ Maryann McCarthy
                                         Title: Managing Director

                                    STEIN ROE FLOATING RATE LIMITED
                                    LIABILITY COMPANY

                                    By: /s/ James R. Fellows
                                         Title: Senior Vice President
                                                Stein Roe & Farnham
                                                Incorporated, as Advisor to the
                                                Stein Roe Floating Rate Limited
                                                Liability Company

                                    SAAR HOLDINGS CDO LIMITED
                                    By: Massachusetts Mutual Life Insurance
                                           Company as its Collateral Manager

                                    By: /s/ Maryann McCarthy
                                         Title: Managing Director

                                    KZH CYPRESSTREE - 1 LLC

                                    By: /s/ Susan Lee
                                         Title: Authorized Agent

<PAGE>

                                    ML CBO IV (CAYMAN) LTD.
                                    By: Highland Capital Management, L.P.
                                           as Collateral Manager

                                    By: /s/ Todd Travers
                                         Title: Senior Portfolio Manager

                                    BALANCED HIGH YIELD FUND II, LTD.
                                    By: BHF (USA) Capital Corporation, as its
                                    attorney-in-fact

                                    By: /s/ Nina Zhou
                                         Title: Associate

                                    By: /s/ Christopher J. Ruzzi
                                         Title: Vice President

                                    CYPRESSTREE INSTITUTIONAL FUND, LLC
                                    By: CypressTree Investment Management
                                    Company, as Portfolio Manager

                                    By: ______________________________________
                                         Title:

                                    NORTH AMERICAN SENIOR FLOATING RATE FUND
                                    By: CypressTree Investment Management
                                    Company, as Portfolio Manager

                                    By: ______________________________________
                                         Title:

<PAGE>

                                    SANKATY HIGH YIELD PARTNERS II, L.P.

                                    By: /s/ Diane J. Exeter
                                         Title: Executive Vice President
                                                Portfolio Manager

                                    Sankaty Advisors, Inc. as Collateral Manager
                                    for BRANT POINT CBO 1999-1, LTD., as Term
                                    Lender

                                    By: /s/ Diane J. Exeter
                                         Title: Executive Vice President
                                                Portfolio Manager
                                    Sankaty Advisors, Inc. as Collateral Manager
                                    for BRANT POINT II CBO 2000-1, LTD., as Term
                                    Lender

                                    By: /s/ Diane J. Exeter
                                         Title: Executive Vice President
                                                Portfolio Manager

                                    Sankaty Advisors, Inc. as Collateral Manager
                                    for GREAT POINT CLO 1999-1 LTD., as Term
                                    Lender

                                    By: /s/ Diane J. Exeter
                                         Title: Executive Vice President
                                                Portfolio Manager

                                    MONUMENT CAPITAL LTD., as Assignee

                                    By: Alliance Capital Management L.P., as
                                    Investment Manager

                                    By: Alliance Capital Management Corporation,
                                    as General Partner

                                    By: /s/ Sverker M.M. Johansson
                                         Title: Vice President

<PAGE>

                                    KZH WATERSIDE LLC

                                    By: /s/ Susan Lee
                                         Title: Authorized Agent

                                    ELC (CAYMAN) LTD. 1999-III

                                    By: /s/ Mark K. Misenheimer
                                         Title: SVP

                                    ELC (CAYMAN) LTD. 2000-I

                                    By: /s/ Mark K. Misenheimer
                                         Title: SVP

                                    PILGRIM CLO 1999-1 LTD.
                                    By: Pilgrim Investments, Inc., as its
                                    Investment Manager

                                    By: /s/ Charles E. LeMieux, CFA
                                         Title: Vice President

                                    GLENEAGLES TRADING LLC

                                    By: /s/ Ann E. Morris
                                         Title: Asst. Vice President

                                    BANKERS TRUST COMPANY

                                    By: /s/ Scottye D. Lindsey
                                         Title: Vice President

<PAGE>

                                    FIFTH THIRD BANK

                                    By: /s/
                                         Title:

<PAGE>

                                     CONSENT

                  Reference is made to (a) Amendment No. 5 to the Second Amended
and Restated  Credit  Agreement  dated as of May 7, 1999 as amended by Amendment
No. 1 dated as of March 31,  2000,  Amendment  No. 2 dated as of  September  22,
2000,  Amendment  No. 3 dated as of September 27, 2000 and Amendment No. 4 dated
as of December 4, 2000 (as so amended,  the "Credit  Agreement")  among  Quality
Stores, Inc., a Delaware corporation  (formerly known as "Central Tractor Farm &
Country,  Inc.") (the "Borrower"),  QSI Holdings,  Inc., a Delaware  corporation
(formerly  known  as "CT  Holding,  Inc.")  ("Holding"),  the  banks,  financial
institutions  and other  institutional  lenders  listed on the  signature  pages
thereof,  and Fleet  National  Bank  ("Fleet"),  as  administrative  agent  (the
"Administrative  Agent")  for the  Lender  Parties  (as  defined  in the  Credit
Agreement)  and (b) the other Loan  Documents  referred to therein.  Capitalized
terms defined in the Credit Agreement and not otherwise  defined in this Consent
are used herein as therein defined.

                  Each of the  undersigned,  in its  capacity  as (a) a  Grantor
under the Security Agreement,  (b) a Pledgor under the Pledge Agreement,  and/or
(c) a Subsidiary  Guarantor under the Subsidiary  Guaranty,  as the case may be,
hereby  consents  to the  execution  and  delivery  of  the  Amendment  and  the
performance of the Amendment and agrees that:

                  (A) each of the Security  Agreement,  the Pledge Agreement and
         the  Subsidiary  Guaranty to which it is a party is, and shall continue
         to be, in full force and effect and is hereby in all respects  ratified
         and  confirmed on the  Effective  Date,  except that,  on and after the
         Effective Date, each reference to "the Credit Agreement", "thereunder",
         "thereof",  "therein"  or words of like import  referring to the Credit
         Agreement  shall mean and be a reference  to the Credit  Agreement,  as
         amended and otherwise modified by the Amendment; and

                  (B) as of the Effective  Date, the Security  Agreement and the
         Pledge  Agreement to which it is a party and all of the  Collateral  of
         such Person  described  therein,  and the  Subsidiary  Guaranty and the
         guaranty  provided  thereunder,  do, and shall  continue to, secure the
         payment of all of the Secured Obligations.

                  This Consent shall be governed by, and construed in accordance
with, the laws of the State of New York.

                  Delivery of an  executed  counterpart  of a signature  page of
this  Consent by  telecopier  shall be  effective  as the delivery of a manually
executed counterpart of this Consent.

<PAGE>

                  IN WITNESS  WHEREOF,  the  parties  hereto  have  caused  this
Agreement to be executed by their respective officers thereunto duly authorized,
as of the date first above written.

                                    QUALITY STORES, INC. (FORMERLY KNOWN
                                    AS CENTRAL TRACTOR FARM & COUNTRY, INC.)

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QSI HOLDINGS, INC. (FORMERLY KNOWN AS
                                    CT HOLDING, INC.)

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    COUNTRY GENERAL, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QUALITY FARM & FLEET, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QUALITY INVESTMENTS, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QSI TRANSPORTATION, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

<PAGE>

                                    VISION TRANSPORTATION, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QUALITY STORES SERVICES, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial OfficerAMENDMENT NO. 6 AND WAIVER TO THE
                  SECOND AMENDED AND RESTATED CREDIT AGREEMENT

                                                    Dated as of February 5, 2001

                  AMENDMENT  NO. 6 AND WAIVER (this  "Amendment  and Waiver") to
the Credit Agreement (as defined herein) among Quality Stores,  Inc., a Delaware
corporation  (formerly  known as "Central  Tractor  Farm & Country,  Inc.") (the
"Borrower"),  QSI Holdings,  Inc., a Delaware corporation (formerly known as "CT
Holding,  Inc.") ("Holding"),  certain of the banks,  financial institutions and
other institutional lenders listed on the signature pages hereof the "Lenders"),
and Fleet National Bank ("Fleet"),  as administrative agent (the "Administrative
Agent") for the Lender Parties (as defined in the Credit Agreement).

                             PRELIMINARY STATEMENTS

         (1) The Borrower,  Holding,  the Initial  Lenders,  the Initial Issuing
Bank,  the Swing Line Bank and the Agent have entered into a Second  Amended and
Restated Credit Agreement dated as of May 7, 1999, as amended by Amendment No. 1
dated as of March 31, 2000, Amendment No. 2 and Waiver dated as of September 22,
2000,  Amendment No. 3 dated as of September 27, 2000,  Amendment No. 4 dated as
of  December  4, 2000 and  Amendment  No. 5 dated as of January  16, 2001 (as so
amended,  the  "Credit  Agreement").  Capitalized  terms  defined  in the Credit
Agreement and not otherwise defined in this Amendment and Waiver are used herein
as therein defined.

         (2) The  Borrower  will be  unable  to comply  with  certain  covenants
contained in Section 5.04 of the Credit  Agreement  and has  requested  that the
Required  Lenders  amend  such  covenants  and waive any  Defaults  or Events of
Default as a result of the breach of such covenants on January 31, 2001.

         (3) The Required  Lenders have agreed to amend the Credit  Agreement as
hereinafter set forth.

                  NOW,  THEREFORE,  in  consideration of the premises and of the
mutual  covenants and  agreements  contained  herein,  the parties hereto hereby
agree as follows:

                  SECTION  1.  Amendment  of the  Credit  Agreement.  The Credit
Agreement is, upon the Effective Date (as hereinafter  defined),  hereby amended
as follows:

                  (a) Section 1.01 is hereby amended as follows:

                           (i) The  definition  of "Debt  to  EBITDA  Ratio"  is
                  amended by inserting the following proviso at the end thereof:

                  "; provided,  however,  that for the fiscal quarters ending on
                  or about July 31,  2001 and  October  31,  2001,  Consolidated
                  EBITDA shall be the actual Consolidated

<PAGE>
                                       2

                  EBITDA for such number of complete  fiscal  quarters that have
                  elapsed  in the Fiscal  Year  ending in 2002  multiplied  by a
                  fraction the numerator of which is four and the denominator of
                  which is such number of  complete  fiscal  quarters  that have
                  elapsed in the Fiscal Year ending in 2002."

                           (ii) The definition of "Fixed Charge  Coverage Ratio"
                  is amended in full to read as follows:

                                    " `Fixed Charge  Coverage  Ratio' means,  at
                           any  date  of  determination,  the  ratio  of (a) (i)
                           Consolidated  EBITDA of Holding and its  Subsidiaries
                           less  (ii) the  amount of cash  Capital  Expenditures
                           made by Holding and its  Subsidiaries  less (iii) the
                           amount of cash  income  taxes paid by Holding and its
                           Subsidiaries  to (b)  the  sum of (i)  cash  interest
                           payable  on all Debt for  Borrowed  Money  plus  (ii)
                           scheduled  principal amounts of all Debt for Borrowed
                           Money  required  to be  repaid  by  Holding  and  its
                           Subsidiaries  (in the  case of  Advances  other  than
                           Advances  under  the  Term  Facilities,  only  to the
                           extent  accompanied  by a permanent  reduction in the
                           related  Commitments),  in each  case  for  the  most
                           recently completed four fiscal quarters of Holding or
                           its  Subsidiaries;  provided,  however,  that for the
                           fiscal  quarters ending on or about July 31, 2001 and
                           October 31,  2001,  the amounts  described in clauses
                           (a)(i), (a)(ii),  (a)(iii),  (b)(i) and (b)(ii) above
                           shall  be the  actual  amounts  for  such  number  of
                           complete  fiscal  quarters  that have  elapsed in the
                           Fiscal Year ending in 2002."

                           (iii) The  definition  of "Senior Debt" is amended by
                  inserting after the words "Letter of Credit" the words "issued
                  and".

                           (iv)  The   definition  of  "Net  Cash  Proceeds"  is
                  amended:

                           (A)      by deleting the parenthetical after the word
                                    "interest"   where   first   occurring   and
                                    substituting  for  such   parenthetical  the
                                    parenthetical  "(except the sale for cash of
                                    capital  stock of  Holding to some or all of
                                    the Equity  Investors  and other persons for
                                    $15,000,000 in accordance  with Section 4(d)
                                    of the  Amendment  No. 2 and  Waiver  to the
                                    Second Amended and Restated Credit Agreement
                                    ("Amendment No. 2"), the additional sale for
                                    cash of capital  stock of Holding to some or
                                    all  of  the  Equity   Investors  and  other
                                    persons for  $2,500,000 in  accordance  with
                                    Section  6.01(q)  hereof and a further  sale
                                    for cash of capital stock of Holding to some
                                    or all of the  Equity  Investors  and  other
                                    persons for  $15,000,000 in accordance  with
                                    Section  6.01(r)  hereof and Section 3(g) of
                                    Amendment  No. 6 and  Waiver  to the  Second
                                    Amended  and   Restated   Credit   Agreement
                                    ("Amendment No. 6"))",

<PAGE>
                                      3

                           (B)      by inserting  after the expression  "Section
                                    5.02(e)(viii)"  the words "and from the sale
                                    of any  equipment  or  inventory  located at
                                    such   distribution   center  in  connection
                                    therewith";

                           (C)      by  inserting  in clause (B) of the  proviso
                                    after the expression  "Section  5.02(e)(ix)"
                                    the words "and, for the period commencing on
                                    the Effective  Date of Amendment No. 6 until
                                    January 31, 2003, the Net Cash Proceeds from
                                    the sale of inventory  resulting  from store
                                    closures,  inventory  liquidations  or going
                                    out of  business  sales  pursuant to Section
                                    5.02(e)(i)(C)"; and

                           (D)      by inserting at the end of the proviso a new
                                    clause (D) as follows:

                                    "and (D)  through the period  commencing  on
                                    the Effective  Date of Amendment No. 6 until
                                    January   31,   2002,   there  shall  be  no
                                    deduction  from cash  received in connection
                                    with  a  transaction   described  above  for
                                    income  taxes as  specified  in  clause  (c)
                                    above."

                  (b) Section 2.06(b)(ii) is hereby amended by:

                           (A)      inserting  after  the  word   "Subsidiaries"
                                    where  it  first  occurs  the  parenthetical
                                    "(except  the  first  $291,000  of Net  Cash
                                    Proceeds  received  following  the Effective
                                    Date of Amendment No. 6)"; and

                           (B)      deleting the phrase  "pursuant to clause (i)
                                    of Section  5.02(e) except the sale,  lease,
                                    transfer  or  other  disposition  of  assets
                                    following  the  closure of a store  which is
                                    not   a   Permitted    Closed   Store"   and
                                    substituting  for  such  phrase  the  phrase
                                    "pursuant   to   clauses   (i)(A),   (i)(B),
                                    (i)(C)(but only for  dispositions  occurring
                                    after  January 31, 2003  resulting  from the
                                    closure  of a  store  which  is a  Permitted
                                    Closed Store),  (i)(D) and (i)(E) of Section
                                    5.02(e)".

                  (c)  Section  5.01(m)  is  hereby  amended  in full to read as
         follows:

                  "(m)  Deposit  Accounts.  In the case of the  Borrower and its
         Subsidiaries,  (i) use their  reasonable best efforts to deliver letter
         agreements  in a form  reasonably  satisfactory  to the  Administrative
         Agent (A) on or before May 15, 2001, from the banks at which 50% of the
         deposit  accounts are maintained,  (B) on or before June 30, 2001, from
         the banks at which 90% of the deposit  accounts are  maintained and (C)
         as soon as available thereafter,  from the banks at which the remaining
         deposit accounts are maintained and (ii) cause to have transferred from
         each  bank at which a  deposit  account  is  maintained  to a main cash
         concentration  account, an amount, in ACH funds, equal to the collected
         balance (less a reserve for returned items and service charges) of such
         deposit account at the end of each Business Day."

<PAGE>
                                       4

                  (d) Section  5.02(e)(i) is hereby  amended by (A) deleting the
         words "including sales of inventory  resulting from store closures" and
         substituting  for such words the words  "other than sales of  inventory
         resulting from store closures, (C) inventory liquidations, going out of
         business  sales  and  other  inventory  sales   associated  with  store
         closures",  (B) by deleting the words "which is not a Permitted  Closed
         Store" and (C) renumbering clauses "(C)" and "(D)" as clauses "(D)" and
         "(E)" respectively.

                  (e)  Section  5.02(p) is hereby  amended by (A)  deleting  the
         figure  "$17,500,000"  where it appears next to the words  "Fiscal Year
         Ending  in  2002"  and   substituting   for  such   figure  the  figure
         "$5,000,000" and (B) deleting the expression "$20,000,000 plus Positive
         EBITDA" where it appears next to the words "Fiscal Year Ending in 2003"
         and  substituting  for such expression the figure  "$5,000,000 plus 2/3
         multiplied by Positive EBITDA".

                  (f) Section  5.02(q) is hereby  amended by  deleting  the date
         "July 31, 2001" and  substituting  for such date the date  "January 31,
         2002".

                  (g) Section  5.02(r) is hereby  amended by deleting  the words
         "which has delivered a consent,  in the form attached hereto as Exhibit
         K" and  substituting  for such words the words  "which has  delivered a
         letter   agreement   in  a   form   reasonably   satisfactory   to  the
         Administrative Agent".

                  (h)  Section  5.02(s)  is  hereby  amended  in full to read as
         follows:

                           "(s) Equity and Management  Fees. For the Fiscal Year
                  ending in 2002,  make,  or permit any of its  Subsidiaries  to
                  make,  any cash  payment  of equity  fees or  management  fees
                  (other than  reasonable out of pocket  expenses) to the Equity
                  Investors or other persons, and thereafter make, or permit any
                  of its  Subsidiaries  to make, any cash payment of equity fees
                  or  management  fees  (other  than  reasonable  out of  pocket
                  expenses) to the Equity  Investors or other persons while ever
                  there shall exist a Default or an Event of Default.".

                  (i)  Section  5.03  is  hereby   amended  by   inserting   new
         subsections (s) and (t) as follows:

                           "(s) Asset  Dispositions.  As soon as practicable and
                  in any event at least 15 days prior to the  closure of a store
                  or the sale or disposal of inventory or equipment  pursuant to
                  Section  5.02(e)(i)(B) or Section 5.02(e)(ii),  notice of such
                  prospective   closure  or  sale  and,  as  soon  as  available
                  thereafter,  a  schedule  setting  forth  the  amount  of  any
                  proceeds realized from such sale.

                           (t) Interest Payments.  As soon as practicable and in
                  any  event  at  least  15 days  prior  to the  payment  of any
                  interest  in respect  of the  Permanent  Debt,  notice of such
                  prospective payment together with a schedule setting forth the
                  amount of any such payment."

<PAGE>
                                       5

                  (j) Section 5.04(a) is hereby amended by:

                           (A)      inserting  after  the word  "Holding"  where
                                    first occurring the words "set forth below";

                           (B)      deleting  the words  "for the most  recently
                                    completed  four  fiscal  quarters of Holding
                                    and its Subsidiaries",

                           (C)      deleting  from the  heading of the table the
                                    words   "Four   Fiscal    Quarters   "   and
                                    substituting   for  such   words  the  words
                                    "Fiscal Quarter"; and

                           (D)      deleting the lines:

                    Fiscal Quarter                            Ratio
                    --------------                            -----
                    April 30, 2001                            0.87
                    July 31, 2001                             1.03
                    October 31, 2001                          1.05
                    January 31, 2002                          1.05

                           and replacing them with the following:

                    Fiscal Quarter                            Ratio
                    --------------                            -----
                    July 31, 2001                             1.00
                    October 31, 2001                          1.00
                    January 31, 2002                          1.00

                  (k) Section 5.04(b) is hereby amended by:

                           (A)      inserting  after  the word  "Holding"  where
                                    first occurring the words "set forth below";

                           (B)      inserting   after  the  words  "such  fiscal
                                    quarter" the following proviso:

                                    ";  provided,  however,  that for the fiscal
                                    quarters  ending on or about  July 31,  2001
                                    and October 31,  2001,  Consolidated  EBITDA
                                    and cash interest  payable on all Debt shall
                                    be the  actual  Consolidated  EBITDA and the
                                    actual cash interest payable on all Debt, as
                                    the case may be, for such number of complete
                                    fiscal  quarters  that have  elapsed  in the
                                    Fiscal Year ending in 2002."; and

                           (C)      deleting the lines:

<PAGE>
                                       6

                    Fiscal Quarter                           Ratio
                    --------------                           -----
                    April 30, 2001                           1.85
                    July 31, 2001                            1.85
                    October 31, 2001                         1.95
                    January 31, 2002                         2.05
                    April 30, 2002                           2.10
                    July 31, 2002                            2.15

                           and replacing them with the following:

                    Fiscal Quarter                           Ratio
                    --------------                           -----
                    July 31, 2001                            1.65
                    October 31, 2001                         1.65
                    January 31, 2002                         1.70
                    April 30, 2002                           1.85
                    July 31, 2002                            2.05

                  (l)  Section  5.04(c) is hereby  amended by (A)  deleting  the
         words  "quarter of Holding" and  substituting  for such words the words
         "period of Holding set forth below" and (B) deleting the lines:

Four Fiscal Quarters Ending Closest To                        Ratio
--------------------------------------                        -----
April 30, 2001                                                5.15
July 31, 2001                                                 5.00
October 31, 2001                                              4.60
January 31, 2002                                              4.20
April 30, 2002                                                4.20
July 31, 2002                                                 4.10
October 31, 2002                                              4.00

                           and replacing them with the following:

Period                                                        Ratio
------                                                        -----
Two fiscal quarters ending July 31, 2001                      5.85
Three fiscal quarters ending October 31, 2001                 5.90
Four fiscal quarters ending closest to:
January 31, 2002                                              5.70
April 30, 2002                                                5.15
July 31, 2002                                                 4.60
October 31, 2002                                              4.30

<PAGE>
                                       7

                  (m) Section 5.04(d) is hereby amended by deleting the lines:

<TABLE>
<CAPTION>
                           Period                                                  Amount

                           <S>                                                  <C>
                           January 12, 2001 - February 16, 2001                 $121,200,000
                           February 17, 2001 - February 28, 2001                $93,500,000
                           June 15, 2001 - August 15, 2001                      $115,000,000
                           December 15, 2001 - February 15, 2002                $95,000,000
                           June 15, 2002 - August 15, 2002                      $105,000,000
                           December 15, 2002 - February 15, 2003                $85,000,000
                           June 15, 2003 - August 15, 2003                      $100,000,000
                           December 15, 2003 - February 15, 2004                $80,000,000
                           June 15, 2004 - August 15, 2004                      $100,000,000
</TABLE>

                           and replacing them with the following:

<TABLE>
<CAPTION>
                           Period                                                  Amount

                           <S>                                                  <C>
                           February 5, 2001 - The date of the February 2001 Equity Contribution (as
                           defined below)                                       $126,600,000
                           The date of the February 2001 Equity Contribution (as defined below) -
                           March 31, 2001                                       $150,000,000
                           April 1, 2001 - April 30, 2001                       $150,000,000
                           May 1, 2001 - May 31, 2001                           $150,000,000
                           June 1, 2001 - June 30, 2001                         $150,000,000
                           July 1, 2001 - September 30, 2001                    $130,000,000
</TABLE>

                  (n) Section 5.04(e) is hereby amended by:

                           (A)  deleting  the words "on the dates or period  set
                  forth below" and substituting for such words the words "at the
                  end of each fiscal month or fiscal  quarter of Holding  ending
                  on or about the date set forth below"; and

                           (B) deleting the lines:

<TABLE>
<CAPTION>
                          Date                                                          Ratio
                          ----                                                          -----
                          <S>                                                            <C>
                          January 15, 2001 - February 16, 2001                           0.90
                          February 28, 2001                                              0.90
                          March 31, 2001                                                 0.87
                          April 30, 2001                                                 0.86
                          May 31, 2001                                                   0.85
                          June 30, 2001                                                  0.83
                          July 31, 2001                                                  0.82
                          August 31, 2001                                                0.84

<PAGE>
                                       8

                          September 30, 2001                                             0.82
                          October 31, 2001                                               0.82
                          November 30, 2001                                              0.82
                          December 31, 2001                                              0.80
                          January 31, 2002                                               0.82
                          April 30, 2002                                                 0.79
                          July 31, 2002                                                  0.75
                          October 31, 2002                                               0.74
                          January 31, 2003 and thereafter                                0.70
</TABLE>

                           and replacing them with the following:

<TABLE>
<CAPTION>
                          Date                                                          Ratio
                          ----                                                          -----
                          <S>                                                            <C>
                          February 28, 2001                                              0.98
                          March 31, 2001                                                 0.92
                          April 30, 2001                                                 0.90
                          May 31, 2001                                                   0.91
                          June 30, 2001                                                  0.96
                          July 31, 2001                                                  0.96
                          August 31, 2001                                                0.93
                          September 30, 2001                                             0.90
                          October 31, 2001                                               0.89
                          November 30, 2001                                              0.83
                          December 31, 2001                                              0.89
                          January 31, 2002                                               0.95
                          February 28, 2002                                              0.95
                          March 31, 2002                                                 0.83
                          April 30, 2002                                                 0.80
                          May 31, 2002                                                   0.74
                          June 30, 2002                                                  0.83
                          July 31, 2002                                                  0.88
                          October 31, 2002                                               0.75
                          January 31, 2003                                               0.84
                          Quarterly thereafter                                           0.70
</TABLE>

                  (o) Section 5.04(f) is hereby amended by deleting the lines:

                  Period                                        Amount
                  ------                                        ------
                  Fiscal Year Ending 2002                     $97,000,000
                  Fiscal Year Ending 2003                     $100,000,000
                  Fiscal Year Ending 2004                     $104,000,000

                           and replacing them with the following:

<PAGE>
                                       9

                  Period                                        Amount
                  ------                                        ------
                  Fiscal Year Ending 2002                     $71,000,000
                  Fiscal Year Ending 2003                     $85,000,000
                  Fiscal Year Ending 2004                     $101,000,000

                  (p)  Section  6.01(r)  is  hereby  amended  in full to read as
         follows:

                  "(r) Holding shall have failed to receive (after the Effective
         Date of Amendment  No. 6) cash  proceeds of at least  $12,500,000  (not
         including  the  $2,500,000  contributed  pursuant  to  Section  3(g) of
         Amendment No. 6) from the sale of common stock or convertible preferred
         stock (not subject to mandatory  redemption)  of Holding (the "February
         2001 Equity Contribution") on or before February 14, 2001."

                  (q) Schedule I to the Credit  Agreement is amended by deleting
         the figure  "$20,000,000"  representing  the aggregate Letter of Credit
         Commitments   and   substituting   for  such   figure  the   expression
         "$15,000,000 until January 31, 2003 and $20,000,000 thereafter".

                  SECTION 2. Waiver.  Subject to the occurrence of the Effective
Date the  Required  Lenders  hereby agree to waive the  requirements  of Section
5.04(a)  through (f) for the period of four fiscal  quarters  ending  closest to
January 31, 2001.

                  SECTION 3. Conditions of  Effectiveness  of this Amendment and
Waiver.  This  Amendment and Waiver shall become  effective as of the date first
above written on the Business Day when, and only when, the following  conditions
shall have been satisfied (such date being, for purposes hereof,  the "Effective
Date"):

                  (a) The Administrative Agent shall have received  counterparts
         of (i) this Amendment and Waiver executed by the Borrower,  Holding and
         the  Required  Lenders  or,  as to any of the  Lender  Parties,  advice
         satisfactory  to the  Administrative  Agent that such Lender  Party has
         executed this Amendment and Waiver and (ii) the consent dated as of the
         date  hereof  (a copy of  which is  attached  hereto)  (the  "Consent",
         together with this Amendment and Waiver,  the  "Amendment  Documents"),
         executed by each of the Loan Parties.

                  (b) Certified  copies of (i) the  resolutions  of the Board of
         Directors of (A) the Borrower  approving  this Amendment and Waiver and
         the  matters  contemplated  hereby and  thereby and (B) each other Loan
         Party evidencing  approval of the Consent and the matters  contemplated
         hereby and thereby and (ii) all documents  evidencing  other  necessary
         corporate  action and governmental  approvals,  if any, with respect to
         this  Amendment,  the Consent and the matters  contemplated  hereby and
         thereby.

                  (c) A certificate  of the Secretary or an Assistant  Secretary
         of the Borrower and each other Loan Party certifying the names and true
         signatures  of the  officers of the

<PAGE>
                                       10

         Borrower and such other Loan Party  authorized to sign this  Amendment,
         the Consent  and the other  documents  to be  delivered  hereunder  and
         thereunder.

                  (d) The  Administrative  Agent shall have received a favorable
         opinion of Sullivan & Worcester,  counsel for the Borrower and Holding,
         in form and substance satisfactory to the Administrative Agent.

                  (e) On the Effective Date (and giving effect thereto), (i) the
         representations and warranties  contained in each of the Loan Documents
         (including,  without  limitation,  in Section 4 of this  Amendment  and
         Waiver) shall be correct in all material respects as though made on and
         as of the  Effective  Date  (other  than  any such  representations  or
         warranties  that,  by their terms,  refer to a specific date other than
         the Effective Date, in which case as of such specific date) and (ii) no
         event shall have  occurred and be  continuing  that would  constitute a
         Default.

                  (f) The Administrative Agent shall have received a certificate
         of the Chief Financial Officer of the Borrower confirming  satisfaction
         of the  conditions  specified in paragraph  (e) above and paragraph (g)
         below.

                  (g) The  Administrative  Agent  shall  have  received  written
         evidence  that some or all of the  Equity  Investors  along  with other
         persons,  have invested in Holding after February 1, 2001 not less than
         $2,500,000 through the purchase for cash of common stock or convertible
         preferred stock (not subject to mandatory  redemption) of Holding to be
         used for the operation of the business of the Loan Parties.

                  (h) The  Administrative  Agent  shall have  received  from the
         Borrower,  on or before the  Effective  Date, an amendment fee equal to
         $400,000  payable to those Lenders which have signed this Amendment and
         Waiver  by the  later of (i) 5:00 pm on  February  5, 2001 and (ii) the
         date on which the  Required  Lenders  have  signed this  Amendment  and
         Waiver  according to the pro rata share of the Commitments of each such
         Lender, provided, that the Administrative Agent may, in the exercise of
         its  discretion,  pay to any Lender who signs this Amendment and Waiver
         after 5:00 pm on February  5, 2001 its pro rata share of the  amendment
         fee.

                  (i) All of the reasonable accrued and unpaid fees and expenses
         of counsel and accountants for the Administrative Agent shall have been
         paid in full, including,  without limitation,  the fees and expenses of
         FTI/Policano  & Manzo,  L.L.C.  and Shearman & Sterling,  provided that
         following  the  payment of such fees and  expenses  the  balance of the
         retainer  held by Shearman & Sterling for  application  against  future
         fees and expenses shall be $75,000 and the balance of the retainer held
         by FTI/Policano & Manzo, L.L.C. for application against future fees and
         expenses shall be $50,000.

                  (j) The Borrower shall have paid in full all of the reasonable
         accrued and unpaid fees and expenses of Great American  Group,  or such
         other appraisal firm hired by

<PAGE>
                                       11

         the  Administrative  Agent,  with  respect  to the  appraisal  of  real
         property conducted by them.

         The  effectiveness of this Amendment and Waiver is further  conditioned
upon the accuracy of all of the factual matters described herein. This Amendment
and Waiver is further  subject to the  provisions  of Section 9.01 of the Credit
Agreement.

                  SECTION 4. Representations and Warranties. Each of Holding and
the Borrower hereby represents and warrants as follows:

                  (a) The execution, delivery and performance by each Loan Party
         of any of the Amendment  Documents and Loan  Documents to which it is a
         party, as amended  hereby,  and the  consummation  of the  transactions
         contemplated hereby and thereby, are within such Loan Party's corporate
         powers,  have been duly authorized by all necessary  corporate  action,
         and do not (i)  contravene  such Loan Party's  charter or bylaws,  (ii)
         violate any law (including, without limitation, the Securities Exchange
         Act  of  1934),  rule,  regulation   (including,   without  limitation,
         Regulation X of the Board of Governors of the Federal Reserve  System),
         order,  writ,  judgment,  injunction,  decree,  determination  or award
         applicable  to such Loan Party,  (iii)  conflict  with or result in the
         breach of, or constitute a default under, any contract, loan agreement,
         indenture (including without limitation the Indenture),  mortgage, deed
         of trust,  lease or other  instrument  binding on or affecting any Loan
         Party, any of its Subsidiaries or any of their properties other than as
         specified  in the Credit  Agreement,  or (iv) except for Liens  created
         under the Collateral Documents, as amended hereby, result in or require
         the creation or  imposition  of any Lien upon or with respect to any of
         the  properties of any Loan Party or any of its  Subsidiaries.  No Loan
         Party or any of its Subsidiaries is in violation of any such law, rule,
         regulation, order, writ, judgment, injunction, decree, determination or
         award or in breach of any such  contract,  loan  agreement,  indenture,
         mortgage,  deed of trust,  lease or other instrument,  the violation or
         breach  of which is  reasonably  expected  to have a  Material  Adverse
         Effect.

                  (b) No  authorization  or approval or other  action by, and no
         notice to or filing with, any governmental authority or regulatory body
         or any other third party is required to be obtained by the Loan Parties
         in connection  with the execution and delivery,  or  performance by any
         Loan Party of any of its obligations  under, any Amendment  Document to
         which it is a party.

                  (c)  Each  Amendment  Document  has  been  duly  executed  and
         delivered by each Loan Party party thereto, and is the legal, valid and
         binding  obligation of such Loan Party,  enforceable  against such Loan
         Party  in  accordance  with  its  terms  except  as may be  limited  by
         bankruptcy,  insolvency,  reorganization,   moratorium  or  other  laws
         relating to or limiting  creditors'  rights or by equitable  principles
         generally.

                  (d) No Loan Party has an  existing  claim  against  any Lender
         Party  arising  out of,  relating  to or in  connection  with  the Loan
         Documents.

<PAGE>
                                       12

                  (e) No Loan Party is in breach of, or in default under, the 10
         5/8 % Senior Notes due 2007 issued by the Borrower, any contract,  loan
         agreement,   indenture,   mortgage,  deed  of  trust,  lease  or  other
         instrument,  binding  on or  affecting  any  Loan  Party,  any  of  its
         Subsidiaries or any of their properties,  where the consequence of such
         default is to confer rights upon any person against the Borrower or any
         of its Subsidiaries which, if exercised,  can be reasonably expected to
         have a Material Adverse Effect.

                  SECTION 5. Waiver and Release. The Borrower and Holding hereby
waive  and  agree not to assert  any  claims  or  causes of action  against  the
Administrative Agent, the Syndication Agent, the Documentation Agent, any Lender
Party  or  any  of  their  Affiliates,  or any  of  their  respective  officers,
directors,  employees, attorneys and agents, on any theory of liability, whether
known or unknown,  matured or contingent,  including,  without  limitation,  for
special, indirect, consequential or punitive damages, in each case to the extent
arising on or before the date  hereof,  out of or  otherwise  relating to, or in
connection with, the Amendment Documents, the Facilities, the actual or proposed
use of the proceeds of the Advances or the Letters of Credit, the Loan Documents
or any of the transactions entered into in connection therewith.

                  SECTION 6. Reference to and Effect on the Loan Documents.

                  (a) On and after the  Effective  Date,  each  reference in the
         Credit Agreement to "this Agreement", "hereunder", "hereof" or words of
         like import  referring to the Credit  Agreement,  and each reference in
         the Notes and the  other  Loan  Documents  to "the  Credit  Agreement",
         "thereunder", "thereof" or words of like import referring to the Credit
         Agreement,  shall mean and be a reference to the Credit  Agreement,  as
         amended and otherwise modified hereby.

                  (b) The Credit Agreement, the Notes and each of the other Loan
         Documents,   except  to  the  extent  of  the   amendments   and  other
         modifications specifically provided above, are and shall continue to be
         in full force and effect and are hereby in all  respects  ratified  and
         confirmed.  Without  limiting  the  generality  of the  foregoing,  the
         Collateral Documents and all of the Collateral described therein do and
         shall  continue  to secure the payment of all  Obligations  of the Loan
         Parties  under and in respect  of the Loan  Documents,  as amended  and
         otherwise modified by this Amendment and Waiver.

                  (c)  The  execution,   delivery  and   effectiveness  of  this
         Amendment and Waiver shall not,  except as expressly  provided  herein,
         operate as a waiver of any right,  power or remedy of any Lender  Party
         or any Agent under any of the Loan  Documents,  nor constitute a waiver
         of any provision of any of the Loan Documents.

                  SECTION 7. Costs and Expenses.  The Borrower  hereby agrees to
pay, upon demand, all costs and expenses of the Administrative Agent (including,
without  limitation,  the reasonable  fees and expenses of counsel and financial
advisors  for the  Administrative  Agent) in  connection  with the  preparation,
execution, delivery, administration,  syndication, modification and amendment of
this Amendment and Waiver and the other documents, instruments and agreements to
be delivered hereunder,  all in accordance with the terms of Section 9.04 of the

<PAGE>
                                       13

Credit  Agreement.  The Borrower also agrees to pay, upon demand,  all costs and
expenses of the Administrative Agent and the reasonable  out-of-pocket  expenses
incurred by any Lender appointed to a steering  committee by the  Administrative
Agent, in connection with inventory  appraisals,  field examinations and related
examinations  of the  inventory,  equipment,  real  property  and leases and any
meetings of the  steering  committee or with the  management  of any of the Loan
Parties.

                  SECTION 8.  Execution  in  Counterparts.  This  Amendment  and
Waiver may be executed in any number of  counterparts  and by different  parties
hereto in separate counterparts,  each of which when so executed shall be deemed
to be an original and all of which taken together  shall  constitute one and the
same agreement.  Delivery of an executed counterpart of a signature page to this
Amendment and Waiver by telecopier  shall be effective as delivery of a manually
executed counterpart of this Amendment and Waiver.

                  SECTION 9.  Governing  Law. This Amendment and Waiver shall be
governed by, and  construed  in  accordance  with,  the laws of the State of New
York.

                  SECTION 10. Waiver of Jury Trial.  Each of the  Borrower,  the
Subsidiary   Guarantors,   the  Administrative  Agent  and  the  Lender  Parties
irrevocably  waives  all  right to trial by jury in any  action,  proceeding  or
counterclaim  (whether based on contract,  tort or otherwise)  arising out of or
relating to this Amendment and Waiver or the actions of the Administrative Agent
or  any  Lender  Party  in  the  negotiation,  administration,   performance  or
enforcement thereof.

<PAGE>
                                       14

                  IN WITNESS  WHEREOF,  the  parties  hereto  have  caused  this
Agreement to be executed by their respective officers thereunto duly authorized,
as of the date first above written.

                                    QUALITY STORES, INC. (FORMERLY KNOWN
                                    AS CENTRAL TRACTOR FARM & COUNTRY, INC.)

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                and Chief Financial Officer

                                    QSI HOLDINGS, INC. (FORMERLY KNOWN AS
                                    CT HOLDING, INC.)

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                and Chief Financial Officer

                                    FLEET NATIONAL BANK,
                                     as Administrative Agent and Lender

                                    By: /s/
                                         Title: Vice President

<PAGE>

                                    LENDERS

                                    BANK OF AMERICA, N.A.

                                    By: /s/
                                         Title: Principal

                                    STEIN ROE & FARNHAM CLO I LTD.,
                                    By: Stein Roe & Farnham Incorporated
                                         as Portfolio Manager

                                    By: /s/ James R. Fellows
                                         Title: Sr. Vice President & Portfolio
                                                Manager

                                    FIRST UNION NATIONAL BANK

                                    By: /s/ Helen F. Wessling
                                         Title: Senior Vice President / Director

                                    U.S. BANK NATIONAL ASSOCIATION

                                    By: /s/ Daniel J. Falstad
                                         Title: Vice President

                                    THE HUNTINGTON NATIONAL BANK

                                    By: /s/
                                         Title: Senior Vice President

                                    HELLER FINANCIAL, INCORPORATED

                                    By: /s/
                                         Title: Assistant Vice President

<PAGE>

                                    HARRIS TRUST AND SAVINGS BANK

                                    By: /s/
                                         Title: Vice President

                                    COMERICA BANK

                                    By: /s/
                                         Title: Vice President

                                    KEY CORPORATE CAPITAL

                                    By: /s/
                                         Title: Vice President

                                    BHF (USA) CAPITAL CORPORATION

                                    By: /s/ Christopher J. Ruzzi
                                         Title: Vice President

                                    By: /s/ Nina Zhou
                                         Title: Associate

                                    UNION BANK OF CALIFORNIA, N.A.

                                    By: /s/
                                         Title: Vice President

<PAGE>

                                    FIRSTAR BANK, NATIONAL ASSOCIATION

                                    By: /s/
                                         Title: Vice President

                                    NATIONAL CITY BANK

                                    By: /s/ Wilmer J. Jacobs
                                         Title: Vice President

                                    THE FUJI BANK, LIMITED

                                    By: /s/ James Fayen
                                         Title: Senior Vice President & Senior
                                                Team Leader

                                    STATE STREET BANK AND TRUST COMPANY,
                                    as Trustee for GENERAL MOTORS EMPLOYEES
                                    GLOBAL GROUP PENSION TRUST

                                    By:  ______________________________________
                                           Title:

                                    STATE STREET BANK AND TRUST COMPANY,
                                    as Trustee for GENERAL MOTORS WELFARE
                                    BENEFITS TRUST

                                    By:  ______________________________________
                                           Title:

<PAGE>

                                    SEQUILS PILGRIM - I LTD.
                                    By: Pilgrim Investments, Inc., as its
                                    Investment Manager

                                    By: /s/ Charles E. LeMieux, CFA
                                         Title: Vice President

                                    PERSEUS CDO I, LIMITED
                                    By: Massachusetts Mutual Life Insurance
                                        Company as its Collateral Manager

                                    By: /s/ Steven J. Katz
                                         Title: Second Vice President and
                                                Associate General Counsel

                                    STEIN ROE FLOATING RATE LIMITED LIABILITY
                                    COMPANY

                                    By: /s/ James R. Fellows
                                         Title: Senior Vice President
                                                Stein Roe & Farnham
                                                Incorporated, as Advisor to the
                                                Stein Roe Floating Rate Limited
                                                Liability Company

                                    SAAR HOLDINGS CDO LIMITED
                                    By: Massachusetts Mutual Life Insurance
                                        Company as its Collateral Manager

                                    By: /s/ Steven J. Katz
                                         Title: Second Vice President and
                                                Associate General Counsel

                                    KZH CYPRESSTREE - 1 LLC

                                    By: /s/ Susan Lee
                                         Title: Authorized Agent

<PAGE>

                                    ML CBO IV (CAYMAN) LTD.
                                    By: Highland Capital Management, L.P.
                                           as Collateral Manager

                                    By: /s/
                                         Title: Executive Vice President
                                                Highland Capital Management L.P.

                                    BALANCED HIGH YIELD FUND II, LTD.
                                    By: BHF (USA) Capital Corporation, as its
                                    attorney-in-fact

                                    By: /s/ Christopher J. Ruzzi
                                         Title: Vice President

                                    By: /s/ Nina Zhou
                                         Title: Associate

                                    CYPRESSTREE INSTITUTIONAL FUND, LLC
                                    By: CypressTree Investment Management
                                    Company, as Portfolio Manager

                                    By:  ______________________________________
                                           Title:

                                    NORTH AMERICAN SENIOR FLOATING RATE FUND
                                    By: CypressTree Investment Management
                                    Company, as Portfolio Manager

                                    By:  ______________________________________
                                           Title:

<PAGE>

                                    SANKATY HIGH YIELD PARTNERS II, L.P.

                                    By: /s/ Diane J. Exeter
                                         Title: Executive Vice President
                                                Portfolio Manager

                                    Sankaty Advisors, Inc. as Collateral Manager
                                    for BRANT POINT CBO 1999-1, LTD., as Term
                                    Lender

                                    By: /s/ Diane J. Exeter
                                         Title: Executive Vice President
                                                Portfolio Manager
                                    Sankaty Advisors, Inc. as Collateral Manager
                                    for BRANT POINT II CBO 2000-1, LTD., as Term
                                    Lender

                                    By: /s/ Diane J. Exeter
                                         Title: Executive Vice President
                                                Portfolio Manager

                                    Sankaty Advisors, Inc. as Collateral Manager
                                    for GREAT POINT CLO 1999-1 LTD., as Term
                                    Lender

                                    By: /s/ Diane J. Exeter
                                         Title: Executive Vice President
                                                Portfolio Manager

                                    MONUMENT CAPITAL LTD., as Assignee

                                    By: Alliance Capital Management L.P., as
                                    Investment Manager

                                    By: Alliance Capital Management Corporation,
                                    as General Partner

                                    By: /s/ Sverker M.M. Johannson
                                         Title: Vice President

<PAGE>

                                    KZH WATERSIDE LLC

                                    By: /s/ Susan Lee
                                         Title: Authorized Agent

                                    ELC (CAYMAN) LTD. 1999-III

                                    By: /s/ E. A. Kratzman, III
                                         Title: Managing Director
                                                IDM

                                    ELC (CAYMAN) LTD. 2000-I

                                    By: /s/ E. A. Kratzman, III
                                         Title: Managing Director
                                                IDM

                                    PILGRIM CLO 1999-1 LTD.
                                    By: Pilgrim Investments, Inc., as its
                                    Investment Manager

                                    By: /s/ Charles E. LeMieux, CFA
                                         Title: Vice President

                                    GLENEAGLES TRADING LLC

                                    By: /s/ Ann E. Morris
                                         Title: Asst. Vice President

                                    BANKERS TRUST COMPANY
                                    as Trustee for EIF 2-Blue Square Funding

                                    By: /s/
                                         Title: Vice President

<PAGE>

                                    FIFTH THIRD BANK

                                    By: /s/
                                         Title:

<PAGE>

                                     CONSENT

                                                    Dated as of February 5, 2001

                  Reference is made to (a) Amendment No. 6 to the Second Amended
and Restated  Credit  Agreement  dated as of May 7, 1999 as amended by Amendment
No.  1 dated as of March  31,  2000,  Amendment  No.  2 and  Waiver  dated as of
September 22, 2000,  Amendment  No. 3 dated as of September 27, 2000,  Amendment
No. 4 dated as of December 4, 2000 and  Amendment  No. 5 dated as of January 16,
2001 (as so amended,  the "Credit  Agreement")  among  Quality  Stores,  Inc., a
Delaware corporation (formerly known as "Central Tractor Farm & Country,  Inc.")
(the "Borrower"),  QSI Holdings, Inc., a Delaware corporation (formerly known as
"CT Holding,  Inc.") ("Holding"),  the banks,  financial  institutions and other
institutional  lenders listed on the signature pages thereof, and Fleet National
Bank ("Fleet"),  as administrative  agent (the  "Administrative  Agent") for the
Lender  Parties  (as  defined  in the Credit  Agreement)  and (b) the other Loan
Documents referred to therein. Capitalized terms defined in the Credit Agreement
and not otherwise defined in this Consent are used herein as therein defined.

                  Each of the  undersigned,  in its  capacity  as (a) a  Grantor
under the Security  Agreement,  (b) a Grantor  under the  Intellectual  Property
Security  Agreement,  (c) a Pledgor  under the  Pledge  Agreement,  and/or (d) a
Subsidiary Guarantor under the Subsidiary  Guaranty,  as the case may be, hereby
consents  to the  execution  and  delivery of the  Amendment  and Waiver and the
performance of the Amendment and Waiver and agrees that:

                  (A) each of the Security Agreement,  the Intellectual Property
         Security Agreement, the Pledge Agreement and the Subsidiary Guaranty to
         which it is a party is,  and shall  continue  to be, in full  force and
         effect and is hereby in all  respects  ratified  and  confirmed  on the
         Effective  Date,  except that,  on and after the Effective  Date,  each
         reference to "the Credit Agreement", "thereunder", "thereof", "therein"
         or words of like import  referring to the Credit  Agreement  shall mean
         and be a reference to the Credit  Agreement,  as amended and  otherwise
         modified by the Amendment and Waiver; and

                  (B) as of the  Effective  Date,  the Security  Agreement,  the
         Intellectual  Property  Security  Agreement and the Pledge Agreement to
         which it is a party and all of the Collateral of such Person  described
         therein,   and  the  Subsidiary  Guaranty  and  the  guaranty  provided
         thereunder, do, and shall continue to, secure the payment of all of the
         Secured Obligations.

                  This Consent shall be governed by, and construed in accordance
with, the laws of the State of New York.

                  Delivery of an  executed  counterpart  of a signature  page of
this  Consent by  telecopier  shall be  effective  as the delivery of a manually
executed counterpart of this Consent.

<PAGE>

                  IN WITNESS  WHEREOF,  the  parties  hereto  have  caused  this
Agreement to be executed by their respective officers thereunto duly authorized,
as of the date first above written.

                                    QUALITY  STORES,  INC.  (FORMERLY  KNOWN
                                    AS CENTRAL TRACTOR FARM & COUNTRY, INC.)

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QSI HOLDINGS, INC. (FORMERLY KNOWN AS
                                    CT HOLDING, INC.)

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    COUNTRY GENERAL, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QUALITY FARM & FLEET, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QUALITY INVESTMENTS, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QSI TRANSPORTATION, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

<PAGE>

                                    VISION TRANSPORTATION, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

                                    QUALITY STORES SERVICES, INC.

                                    By: /s/ Thomas J. Reinebach
                                         Title: Senior Vice-President, Finance
                                                  and Chief Financial Officer

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