Document:

<PAGE>
                                                                    EXHIBIT 4.17

                                AMENDMENT NO. 15

         THIS AMENDMENT NO. 15, dated as of December 5, 2002 (the "Amendment")
relating to the Credit Agreement referenced below, by and among NATIONAL MEDICAL
CARE, INC., a Delaware corporation, certain subsidiaries and affiliates party to
the Credit Agreement and identified on the signature pages hereto, and BANK OF
AMERICA, N.A., (formerly known as NationsBank, N.A.), as Paying Agent for and on
behalf of the Lenders. Terms used but not otherwise defined shall have the
meanings provided in the Credit Agreement.

                               W I T N E S S E T H

         WHEREAS, a $2.5 billion credit facility has been extended to National
Medical Care, Inc. and certain subsidiaries and affiliates pursuant to the terms
of that Credit Agreement dated as of September 27, 1996 (as amended and
modified, the "Credit Agreement") among National Medical Care, Inc., the other
Borrowers, Guarantors and the Lenders identified therein, and NationsBank, N.A.,
as Paying Agent;

         WHEREAS, the Company has requested modification of certain covenants
and certain other changes to the Credit Agreement more fully set forth herein;

         WHEREAS, the requested consents and modifications described herein
require the consent of the Required Lenders; and

         WHEREAS, the Required Lenders have consented to the requested
modifications on the terms and conditions set forth herein and have authorized
the Paying Agent to enter into this Amendment on their behalf to give effect to
this Amendment;

         NOW, THEREFORE, IN CONSIDERATION of these premises and other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties hereto agree as follows:

         1.       The Credit Agreement is amended and modified in the following
respects:

                  1.1      In Section 7.9, the Consolidated Leverage Ratio
         covenant in subsection (b) is hereby amended to read as follows:

                           (b)      Consolidated Leverage Ratio. There shall be
                  maintained as of the end of each fiscal quarter ending on or
                  after December 31, 2002 a Consolidated Leverage Ratio of not
                  greater than 3.25:1.0.

                  1.2      Section 8.10 is hereby amended by inserting at the
         end thereof, the following:

                           "; provided, that, without regard to the amounts set
         forth in clause (ii) hereof, WRG-NY may redeem the New Preferred Stock
         in an aggregate amount up to $9 million."

         2.       The effectiveness of this Amendment is subject to receipt by
the Paying Agent of the following:

                  (i)      copies of this Amendment executed by the Company and
         the other members of the Consolidated Group identified on the signature
         pages hereto,
<PAGE>
                  (ii)     the consent of the Required Lenders; and

                  (iii)    an amendment fee in an amount equal to seven and
         one-half basis points (0.075%) of the aggregate amount of Commitments
         held by the Lenders consenting to this Amendment for the ratable
         benefit of such consenting Lenders.

         3.       Except as modified hereby, all of the terms and provisions of
the Credit Agreement (and Exhibits and Schedules) remain in full force and
effect.

         4.       The Credit Parties hereby affirm (i) the representations and
warranties set out in Section 6 of the Credit Agreement are true and correct as
of the date hereof (except those which expressly relate to an earlier period)
and (ii) no Default or Event of Default presently exists.

         5.       The Company agrees to pay all reasonable costs and expenses of
the Paying Agent in connection with the preparation, execution and delivery of
this Amendment, including without limitation the reasonable fees and expenses of
Moore & Van Allen, PLLC.

         6.       This Amendment may be executed in any number of counterparts,
each of which when so executed and delivered shall be deemed an original and it
shall not be necessary in making proof of this Amendment to produce or account
for more than one such counterpart.

         7.       This Amendment, and the Credit Agreement as amended hereby,
shall be governed by and construed and interpreted in accordance with the laws
of the State of New York.

                  [remainder of page intentionally left blank]

                                       2
<PAGE>
         IN WITNESS WHEREOF, each of the parties hereto has caused a counterpart
of this Amendment to be duly executed and delivered as of the date first above
written.

BORROWERS:                         NATIONAL MEDICAL CARE, INC.,
                                   a Delaware corporation

                                   By /s/ Marc Lieberman
                                      ------------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   FRESENIUS MEDICAL CARE AG

                                   By /s/ Ulf Markus Schneider
                                      ------------------------------------------
                                   Name: Dr. Ulf Markus Schneider
                                   Title: Member of the Management Board

                                   By /s/ Rainer Runte
                                      ------------------------------------------
                                   Name: Dr. Rainer Runte
                                   Title: Deputy member of the Management Board

                                   NMC DO BRASIL LTDA.,
                                   a Brazil corporation

                                   By /s/ Horst Radtke/Armin Karch
                                   Name: Horst Radtke/Armin Karch
                                   Title: Manager

                                   NATIONAL MEDICAL CARE OF SPAIN, S.A.,
                                   a Spanish corporation

                                   By /s/ Dr. Emanuele Gatti/Ricardo Arias Duval
                                      ------------------------------------------
                                   Name: Dr. Emanuele Gatti/Ricardo Arias Duval
                                   Title: Manager

                                   NATIONAL MEDICAL CARE OF TAIWAN, INC.,
                                   a Delaware corporation

                                   By /s/ Marc Lieberman
                                      ------------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   NMC CENTRO MEDICO NACIONAL, LDA.,
                                   a Portuguese corporation

                                   By /s/ Ricardo Da Silva/John Allen
                                      ------------------------------------------
                                   Name: Ricardo Da Silva/John Allen
                                   Title: Manager

                                                     NATIONAL MEDICAL CARE, INC.
                                                                AMENDMENT NO. 15
<PAGE>
                                   FRESENIUS MEDICAL CARE ARGENTINA, S.A.,
                                   as successor by merger to
                                   NMC DE ARGENTINA, S.A.,
                                   an Argentine corporation

                                   By /s/ Dr. Guido Yagupsky/Horst Radtke
                                      ------------------------------------------
                                   Name: Dr. Guido Yagupsky/Horst Radtke
                                   Title: Board of Directors

                                   FRESENIUS USA, INC.,
                                   a Massachusetts corporation

                                   By /s/ Jerry Schneider
                                      ------------------------------------------
                                   Name: Jerry Schneider
                                   Title: Chief Financial Officer

                                   FRESENIUS MEDICAL CARE DEUTSCHLAND GmbH,
                                   a German corporation

                                   By /s/ Rolf Groos
                                      ------------------------------------------
                                   Name: Rolf Groos
                                   Title: Managing Director

                                   By /s/ Norbert Weber
                                      ------------------------------------------
                                   Name: Norbert Weber
                                   Title: Managing Director

                                   FRESENIUS MEDICAL CARE GROUPE FRANCE
                                   (formerly known as Fresenius Groupe France
                                   S.A.), a French corporation

                                   By /s/ Udo Werle/Dr. Emanuele Gatti
                                      ------------------------------------------
                                   Name: Udo Werle/Dr. Emanuele Gatti
                                   Title: Board of Directors

                                   FRESENIUS MEDICAL CARE ITALIA, S.p.A.,
                                   an Italian corporation

                                   By /s/ Dr. Emanuele Gatti/Rolf Groos
                                      ------------------------------------------
                                   Name: Dr. Emanuele Gatti/Rolf Groos
                                   Title: Board of Directors

                                   FRESENIUS MEDICAL CARE ESPANA S.A.,
                                   a Spanish corporation

                                   By /s/ Dr. Emanuele Gatti/Ricardo Arias Duval
                                      ------------------------------------------
                                   Name: Dr. Emanuele Gatti/Ricardo Arias Duval
                                   Title: Board of Directors

                                                     NATIONAL MEDICAL CARE, INC.
                                                                AMENDMENT NO. 15
<PAGE>
                                   FRESENIUS MEDICAL CARE MAGYAROSZA KfG,
                                   a Hungarian corporation

                                   By /s/ Norman Erhard
                                      ------------------------------------------
                                   Name: Norman Erhard
                                   Title: Manager

                                   BIO-MEDICAL APPLICATIONS OF ALABAMA, INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF FLORIDA, INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF GEORGIA, INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF INDIANA, INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF KENTUCKY, INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF LOUISIANA, LLC

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                                     NATIONAL MEDICAL CARE, INC.
                                                                AMENDMENT NO. 15
<PAGE>
                                   BIO-MEDICAL APPLICATIONS OF MARYLAND, INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF MASSACHUSETTS,
                                   INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF NORTH CAROLINA,
                                   INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF OHIO, INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF PENNSYLVANIA,
                                   INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF SOUTH CAROLINA,
                                   INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS OF TEXAS, INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                                     NATIONAL MEDICAL CARE, INC.
                                                                AMENDMENT NO. 15
<PAGE>
                                   BIO-MEDICAL APPLICATIONS OF VIRGINIA, INC.

                                   By: /s/ Marc Lieberman
                                       -----------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   LIFECHEM, INC.,
                                   a Delaware corporation

                                   By /s/ Marc Lieberman
                                      ------------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

GUARANTORS:                        FRESENIUS MEDICAL CARE HOLDINGS, INC.,
                                   a New York corporation formerly known as
                                   WRG-NY

                                   By /s/ Jerry Schneider
                                      ------------------------------------------
                                   Name: Jerry Schneider
                                   Title: Chief Financial Officer

                                   NATIONAL MEDICAL CARE, INC.,
                                   a Delaware corporation

                                   By /s/ Marc Lieberman
                                      ------------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   BIO-MEDICAL APPLICATIONS MANAGEMENT CO.,
                                   INC., a Delaware corporation

                                   By /s/ Marc Lieberman
                                      ------------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   FRESENIUS MEDICAL CARE AG,
                                   a German corporation

                                   By /s/ Dr. Emanuele Gatti
                                      ------------------------------------------
                                   Name: Dr. Emanuele Gatti
                                   Title: Member of the Management Board

                                   By /s/ Roberto Fuste
                                      ------------------------------------------
                                   Name: Roberto Fuste
                                   Title: Member of the Management Board

                                                     NATIONAL MEDICAL CARE, INC.
                                                                AMENDMENT NO. 15
<PAGE>
                                   FRESENIUS USA, INC.,
                                   a Massachusetts corporation

                                   By /s/ Jerry Schneider
                                      ------------------------------------------
                                   Name: Jerry Schneider
                                   Title: Chief Financial Officer

                                   FRESENIUS MEDICAL CARE DEUTSCHLAND
                                   GmbH, a German corporation

                                   By /s/ Dr. Emanuele Gatti
                                      ------------------------------------------
                                   Name: Rolf Groos
                                   Title: Board of Directors

                                   By /s/ Dr. Rainer Runte
                                      ------------------------------------------
                                   Name: Dr. Rainer Runte
                                   Title: Procurist

                                   FRESENIUS MEDICAL CARE GROUPE FRANCE,
                                   a French corporation (formerly known as
                                   Fresenius Groupe France S.A.)

                                   By /s/ Udo Werle/Dr. Emanuele Gatti
                                      ------------------------------------------
                                   Name: Udo Werle/Dr. Emanuele Gatti
                                   Title: Board of Directors

                                   FRESENIUS SECURITIES, INC.,
                                   a California corporation

                                   By /s/ Marc Lieberman
                                      ------------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   NEOMEDICA, INC.,
                                   a Delaware corporation

                                   By /s/ Marc Lieberman
                                      ------------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   FMC FINANCE S.A.,
                                   a Luxembourg corporation

                                   By /s/ John Allen
                                      ------------------------------------------
                                   Name: John Allen
                                   Title: Board of Directors

                                                     NATIONAL MEDICAL CARE, INC.
                                                                AMENDMENT NO. 15
<PAGE>
                                   FMC TRUST FINANCE S.a.r.l. LUXEMBOURG,
                                   a Luxembourg corporation

                                   By /s/ Andrea Stopper
                                      ------------------------------------------
                                   Name: Dr. Andrea Stopper
                                   Title: Board of Directors

                                   FMC TRUST FINANCE S.a.r.l. LUXEMBOURG III,
                                   a Luxembourg corporation

                                   By /s/ Gabriele Dux
                                      ------------------------------------------
                                   Name: Gabriele Dux
                                   Title: Board of Directors

                                   QCI HOLDINGS, INC.,
                                   a Delaware corporation

                                   By /s/ Marc Lieberman
                                      ------------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                   SRC HOLDINGS, INC.,
                                   a Delaware corporation

                                   By /s/ Marc Lieberman
                                      ------------------------------------------
                                   Name: Marc Lieberman
                                   Title: Treasurer

                                                     NATIONAL MEDICAL CARE, INC.
                                                                AMENDMENT NO. 15
<PAGE>
PAYING AGENT:                      BANK OF AMERICA, N.A. (formerly known as
                                   NationsBank, N.A.), as Paying Agent for and
                                   on behalf of the Lenders

                                   By /s/ RICHARD L. NICHOLS, JR.
                                      ------------------------------------------
                                   Name: Richard L. Nichols, Jr.
                                   Title: Managing Director

                                                     NATIONAL MEDICAL CARE, INC.
                                                                AMENDMENT NO. 15
<PAGE>
                           CONSENT TO AMENDMENT NO. 15

Bank of America, N.A. (formerly known as NationsBank, N.A.),
  as Paying Agent
101 N. Tryon Street, 15th Floor
NC1-001-15-04
Charlotte, North Carolina 28255
Attn:  James D. Young, Agency Services

         Re:      Credit Agreement dated as of September 27, 1996 (as amended
                  and modified, the "Credit Agreement") among National Medical
                  Care, Inc., the other Borrowers, Guarantors and Lenders
                  identified therein and NationsBank, N.A. (now known as Bank of
                  America, N.A.), as Paying Agent. Terms used but not otherwise
                  defined shall have the meanings provided in the Credit
                  Agreement.

                  Amendment No. 15 dated December 5, 2002 (the "Subject
                  Amendment") relating to the Credit Agreement

Ladies and Gentlemen:

         This should serve to confirm our receipt of, and consent to, the
Subject Amendment. We hereby authorize and direct you, as Paying Agent for the
Lenders, to enter into the Subject Amendment on our behalf in accordance with
the terms of the Credit Agreement upon your receipt of such consent and
direction from the Required Lenders, and agree that Company and the other Credit
Parties may rely on such authorization.

                                            Sincerely,

                                            ________________________________
                                                    [Name of Lender]

                                            By:_____________________________
                                            Name:
                                            Title:

                                                     NATIONAL MEDICAL CARE, INC.
                                                                AMENDMENT NO. 15<PAGE>

                                                                    EXHIBIT 10.6

                                 AMENDMENT NO. 2

                          Dated as of November 8, 2002

                                       to

                           SECOND AMENDED AND RESTATED
                      TRANSFER AND ADMINISTRATION AGREEMENT

                         Dated as of September 24, 2002

      THIS AMENDMENT NO. 2 (this "Amendment") dated as of November 8, 2002 is
entered into by and among NMC FUNDING CORPORATION, a Delaware corporation, as
Transferor, NATIONAL MEDICAL CARE, INC., a Delaware corporation, as Collection
Agent, ENTERPRISE FUNDING CORPORATION, a Delaware corporation ("Enterprise"), as
a Conduit Investor, COMPASS US ACQUISITION, LLC, a Delaware limited liability
company ("Compass"), as a Conduit Investor, GIRO MULTI-FUNDING CORPORATION, a
bankruptcy-remote special purpose company incorporated in Delaware ("GMFC"), as
a Conduit Investor, the FINANCIAL INSTITUTIONS PARTIES HERETO as Class A Bank
Investors, BANK OF AMERICA, N.A. ("Bank of America"), as Class B Investor,
WESTLB AG, NEW YORK BRANCH ("WestLB"), as an Administrative Agent, BAYERISCHE
LANDESBANK, NEW YORK BRANCH ("BLB"), as an Administrative Agent and BANK OF
AMERICA, N.A., as an Administrative Agent and as Agent, ASSET ONE
SECURITIZATION, LLC ("Asset One"), as a new Conduit Investor, and SOCIETE
GENERALE ("SG"), as a new Class A Bank Investor and a new Administrative Agent.

                             PRELIMINARY STATEMENTS

            A. The Transferor, the Collection Agent, Compass, Enterprise, GMFC,
the Class A Bank Investors, the Class B Investor, WestLB, as an Administrative
Agent, BLB, as an Administrative Agent, and Bank of America, as an
Administrative Agent and as Agent, are parties to that certain Second Amended
and Restated Transfer and Administration Agreement dated as of September 24,
2002 (as amended or otherwise modified prior to the date hereof, the "TAA").
Capitalized terms used herein and not otherwise defined shall have the meanings
ascribed to them in the TAA.

            B. The parties hereto have agreed to add Asset One as a "Conduit
Investor" under the TAA and SG as a "Class A Bank Investor" and "Administrative
Agent" under the TAA. In connection therewith, the existing Conduit Investors
will assign a portion of the outstanding Transferred Interests and Net
Investment held by them to Asset One (or, if Asset One shall decline to accept
such assignment, to SG as the Class A Bank Investor for Asset One) such that,
from and after such assignment, the percentage of the outstanding Transferred
Interests and Net Investment held by each Related Group will be proportional to
their respective Related Group Limits.
<PAGE>

            C. In addition, the parties hereto have agreed to amend the TAA on
the terms and conditions hereinafter set forth.

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

            SECTION 1. Amendments to TAA. Subject to the satisfaction of the
conditions precedent set forth in Section 3 below, effective as of the Effective
Date (as defined below), the TAA is amended as follows:

            1.1 The definition of "Administrative Agent" in Section 1.1 of the
      TAA is amended and restated in its entirety to read as follows:

            "Administrative Agent" means (i) Bank of America as administrative
      agent for the Related Group that includes Enterprise, (ii) WestLB, as
      administrative agent for the Related Group that includes Compass, (iii)
      BLB, as administrative agent for the Related Group that includes GMFC,
      (iv) Bank of America, as administrative agent for the Related Group that
      includes the Class B Investors or (v) Societe Generale, as administrative
      agent for the Related Group that includes Asset One.

            1.2 The following definition is added to Section 1.1 of the TAA in
      appropriate alphabetical order:

            "Asset One" means Asset One Securitization, LLC, a limited liability
      company organized under the laws of Delaware, together with its successors
      and permitted assigns.

            1.3 The definition of "Conduit Investor" in Section 1.1 of the TAA
      is amended and restated in its entirety to read as follows:

            "Conduit Investor" means Enterprise, Compass, GMFC or Asset One.

            1.4 The definition of "CP Tranche Period" is amended to add the
      following at the end of such definition:

            "In no event shall a CP Tranche Period for Asset One exceed 45
      days."

            1.5 The definition of "Fee Letter" in Section 1.1 of the TAA is
      amended and restated in its entirety to read as follows:

            "Fee Letter" means (i) the letter agreement dated January 31, 2002
      among the Transferor, Enterprise and Bank of America with respect to the
      fees to be paid by the Transferor hereunder in respect of the Related
      Group that includes Enterprise, as amended, modified or supplemented from
      time to time, (ii) the letter agreement dated January 31, 2002 between the
      Transferor, Compass and WestLB with respect to the fees to be paid by the
      Transferor hereunder with respect to the Related Group that includes
      Compass, as amended, modified or supplemented from time to time, (iii) the
      letter agreement dated October 26, 2000 between the Transferor, GMFC and
      BLB with respect

                                       2
<PAGE>

      to the fees to be paid by the Transferor hereunder with respect to the
      Related Group that includes GMFC, as amended, modified or supplemented
      from time to time or (iv) the letter agreement dated November 12, 2002
      between the Transferor, Asset One and SG with respect to the fees to be
      paid by the Transferor hereunder with respect to the Related Group that
      includes Asset One, as amended, modified or supplemented from time to
      time.

            1.6 The definition of "Related Group" in Section 1.1 of the TAA is
      amended and restated in its entirety to read as follows:

            "Related Group" means any of the following groups: (i) Enterprise,
      as a Conduit Investor, Bank of America, N.A and Landesbank
      Hessen-Thueringen Girozentrale, as a Class A Bank Investors, and Bank of
      America, N.A. as an Administrative Agent, together with their respective
      successors and permitted assigns, (ii) Compass, as a Conduit Investor,
      Landesbank Hessen-Thueringen Girozentrale, as a Class A Bank Investor and
      WestLB, as a Class A Bank Investor and as an Administrative Agent,
      together with their respective successors and permitted assigns, (iii)
      GMFC, as a Conduit Investor, and BLB, as a Class A Bank Investor and as an
      Administrative Agent, together with their respective successors and
      permitted assigns and (iv) Asset One, as a Conduit Investor, and Societe
      Generale, as a Class A Bank Investor and as an Administrative Agent,
      together with their respective successors and permitted assigns.

            1.7 The following definition is added to Section 1.1 of the TAA in
      appropriate alphabetical order:

            "SG" means Societe Generale together with its successors and
      permitted assigns.

            1.8 The second sentence of Section 9.7(b) is amended to delete the
      words "S&P and Moody's" and to substitute therefor the words "each
      applicable Rating Agency".

            1.9 Section 10.3 of the TAA is amended to add the following notice
      addresses for Asset One and SG, respectively:

            If to Asset One:

            Asset One Securitization, LLC
            c/o AMACAR Group, LLC
            6525 Morrison Boulevard, Suite 318
            Charlotte, North Carolina 28211
            Attention: Douglas K. Johnson
            Tel: 704/365-0569
            Fax: 704/365-1362

            If to the Administrative Agent for Asset One:

            Societe Generale
            1221 Avenue of the Americas

                                       3
<PAGE>

            New York, New York 10020
            Attention: Chin-Eav Eap
            Tel:  212/278-6000
            Fax:  212/278-7320

            1.10 Schedule I to the TAA is hereby amended to add the following as
      the notice address for SG in its capacity as a Class A Bank Investor.

            SOCIETE GENERALE
            1221 Avenue of the Americas
            New York, New York 10020
            Attention: Chin-Eav Eap
            Tel: 212/278-6000
            Fax: 212/ 278-7320

            1.11 Schedule II to the TAA is hereby amended in its entirety to
      read as set forth on the New Schedule II attached hereto.

            SECTION 2. Addition of New Investor: Assignment and Acceptance;
Special Adjustment.

            (a) Each of the parties hereto agrees that, effective as of the
Effective Date, (i) Asset One shall become a party to the TAA as a Conduit
Investor and (ii) SG shall become a party to the TAA as a Class A Bank Investor
and as an Administrative Agent.

            (b) Effective upon receipt of the Purchase Price (as defined below)
on the Effective Date, each of Enterprise and Compass (each an "Assignor")
hereby sells, grants, assigns and conveys to Asset One (or, if Asset One shall
elect not to accept such assignment, to SG as the Class A Bank Investor for
Asset One), without recourse, warranty, or representation of any kind, except as
specifically provided herein, an undivided percentage ownership interest in such
Assignor's right, title and interest in and to the outstanding Transferred
Interests and Net Investment in the respective amounts and percentages necessary
so that, from and after such sale and the adjustment described in paragraph (f)
below, the percentage of the outstanding Transferred Interests and Net
Investment held by each Related Group shall be proportional to their respective
Related Group Limits (determined after giving effect to the amendments described
in Section 1 above). Asset One may in its discretion (and if Asset One declines
to do so, then SG as the related Class A Bank Investor shall) purchase and
accept such grant, assignment and conveyance from the respective Assignors.

            (c) Asset One or SG, as applicable, agrees that the purchase price
payable by it to the respective Assignors in respect of each assignment pursuant
to clause (b) above (the "Purchase Price") shall be as set forth on Schedule III
attached hereto. Such amount shall be payable on the Effective Date by wire
transfer of immediately available funds to the respective Administrative Agents
for the Assignors by no later than 1:00 P.M. (New York time) on the Effective
Date.

                                       4
<PAGE>

            (d) Each Assignor hereby represents and warrants to Asset One and SG
that such Assignor owns the interest in the Transferred Interests and Net
Investment being sold and assigned hereby for its own account and has not sold,
transferred or encumbered any or all of its interest in such Transferred
Interests and Net Investment to any other party.

            (e) Each of Asset One and SG hereby acknowledges and agrees that,
except for each Assignor's representations and warranties contained in paragraph
(d) above, it has entered into this Agreement on the basis of its own
independent investigation and has not relied upon, and will not rely upon, any
explicit or implicit written or oral representation, warranty or other statement
of the Agent, any other Investor or any other Administrative Agent concerning
the authorization, execution, legality, validity, effectiveness, genuiness,
enforceability or sufficiency of the TAA, any other Transaction Document, any
Receivable, or any other instrument or document related to the foregoing.

            (f) The parties hereto acknowledge that a further adjustment to the
Net Investment held by the Related Groups is required in order to ensure that
the Net Investment held by each Related Group is proportional to their
respective Related Group Limits. Accordingly, on the Effective Date (i) the
Transferor shall make a special Incremental Transfer to be funded solely by the
Related Group that includes GMFC in an amount equal to $6,475,857.14 and (ii)
the Transferor shall make a special payment to the Administrative Agent for
Compass in an amount equal to $5,829,928.57 and a special payment to the
Administrative Agent for Enterprise in an amount equal to $645,928.57, which
special payments shall be applied to reduce the portion of the Net Investment
held by Compass and Enterprise, respectively. Such special payments shall be
made by the Transferor by no later than 1:00 P.M. (New York time) on the
Effective Date.

            SECTION 3. Conditions Precedent. This Amendment shall become
effective and be deemed effective as of the date (the "Effective Date") which is
the later of (i) November 12, 2002 and (ii) the date on which the following
conditions precedent have been satisfied:

            (a) the Agent shall have received counterparts of this Amendment
      duly executed by the Transferor, the Collection Agent, Asset One, SG, the
      Conduit Investors, the Class A Bank Investors, the Class B Investor, the
      Administrative Agents and the Agent;

            (b) SG shall have received a Fee Letter duly executed by each of the
      Transferor, Asset One and SG; and

            (c) SG shall have received confirmation from each of S&P and Fitch
      that (i) the Transferred Interest will be treated as an "A-3" (or better)
      asset for Asset One for purposes of the documents governing Asset One's
      commercial paper program and (ii) the execution and delivery of this
      Amendment by Asset One will not result in the reduction or withdrawal of
      the then current ratings of Asset One's Commercial Paper.

                                       5
<PAGE>

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

                                        ENTERPRISE FUNDING CORPORATION,
                                        as a Conduit Investor

                                        By: /s/ Frank B. Bilotta
                                            ------------------------------------
                                        Name: Frank B. Bilotta
                                        Title: Vice President

                                        COMPASS US ACQUISITION, LLC,
                                        as a Conduit Investor

                                        By: /s/ Douglas K. Johnson
                                            ------------------------------------
                                        Name: Douglas K. Johnson
                                        Title: President

                                        GIRO MULTI-FUNDING CORPORATION,
                                        as a Conduit Investor

                                        By: /s/ Kevin Burns
                                            ------------------------------------
                                        Name: Kevin Burns
                                        Title: Vice President

                                        NMC FUNDING CORPORATION,
                                        as Transferor

                                        By: /s/ Marc Lieberman
                                            ------------------------------------
                                        Name: Marc Lieberman
                                        Title: Treasurer

                                        NATIONAL MEDICAL CARE, INC., as
                                        Collection Agent

                                        By: /s/ Marc Lieberman
                                            ------------------------------------
                                        Name: Marc Lieberman
                                        Title: Treasurer

                                Signature Page to
                                 Amendment No. 2

<PAGE>

                                        BANK OF AMERICA, N.A., as Agent,
                                        as an Administrative Agent and as
                                        a Class A Bank Investor

                                        By: /s/ John K. Svolos
                                            ------------------------------------
                                        Name: John K. Svolos
                                        Title: Principal

                                        WESTLB AG, NEW YORK BRANCH,
                                        as an Administrative Agent and
                                        as a Class A Bank Investor

                                        By: /s/ Christian C. Brune
                                            ------------------------------------
                                        Name: Christian C. Brune
                                        Title: Director, Global Securitization
                                               Americas

                                        By: /s/ Michael Cheng
                                            ------------------------------------
                                        Name: Michael Cheng
                                        Title: Associate Director Securitization

                                        BAYERISCHE LANDESBANK, NEW YORK BRANCH,
                                        as an Administrative Agent and as a
                                        Class A Bank Investor

                                        By: /s/ Alexander Kohnert
                                            ------------------------------------
                                        Name: Alexander Kohnert
                                        Title: First Vice President

                                        By: /s/ Lori-Ann Wynter
                                            ------------------------------------
                                        Name: Lori-Ann Wynter
                                        Title: Vice President

                                        LANDESBANK HESSEN-THUERINGEN
                                        GIROZENTRALE, as a Class A Bank
                                        Investor

                                        By: /s/ Martin Scheele
                                            ------------------------------------
                                        Name: Dr. Martin Scheele
                                        Title: Vice President

                                        By: /s/ Jens Doring
                                            ------------------------------------
                                        Name: Jens Doring
                                        Title: Associate

                                Signature Page to
                                 Amendment No. 2

<PAGE>

                                        BANK OF AMERICA, N.A.,
                                        as a Class B Investor

                                        By: /s/ Philip S. Durand
                                            ------------------------------------
                                        Name: Philip S. Durand
                                        Title: Managing Director

                                        ASSET ONE SECURITIZATION, LLC,
                                        as a Conduit Investor

                                        By: /s/ Evelyn Echevarria
                                            ------------------------------------
                                        Name: Evelyn Echevarria
                                        Title : Vice President

                                        SOCIETE GENERALE,
                                        as an Administrative Agent and
                                        as a Class A Bank Investor

                                        By: /s/ Chin-Eav Eap
                                            ------------------------------------
                                        Name: Chin-Eav Eap
                                        Title: Vice President

                                        By: /s/ Paul Schmieder
                                            ------------------------------------
                                        Name: Paul Schmieder
                                        Title: Director

                                Signature Page to
                                 Amendment No. 2

<PAGE>

                                 NEW SCHEDULE II

                                       to

                           SECOND AMENDED AND RESTATED
                      TRANSFER AND ADMINISTRATION AGREEMENT

A. COMMITMENTS OF CLASS A BANK INVESTORS

<TABLE>
<CAPTION>
Class A Bank Investor                                         Commitment
---------------------                                         ----------
<S>                                                         <C>
Bank of America, N.A                                        $155,000,000

WestLB AG,
New York Branch                                             $150,000,000

Bayerische Landesbank, New York Branch                      $120,000,000

Landesbank Hessen - Thueringen Girozentrale                 $ 75,000,000(1)

Societe Generale                                            $ 60,000,000
</TABLE>

B. COMMITMENTS OF CLASS B INVESTORS

<TABLE>
<CAPTION>
Class B Investor                                              Commitment
----------------                                              ----------
<S>                                                         <C>
Bank of America, N.A                                        $ 16,000,000
</TABLE>

----------
(1) Landesbank Hessen - Thueringen Girozentrale is a member of both the Compass
and the Enterprise Related Groups. The portion of its Commitment included in the
Compass Related Group is $50,000,000. The portion of its Commitment included in
the Enterprise Related Group is $25,000,000.

<PAGE>

                                  SCHEDULE III

                       PURCHASE PRICE PAYABLE TO ASSIGNORS

<TABLE>
<S>                                          <C>
To:        Enterprise Funding Corporation    $32,339,285.71

           Compass US Acquisition, LLC       $16,169,642.86
</TABLE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00048-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00048-of-00352.parquet"}]]