Document:

<PAGE>   1

                                                                    EXHIBIT 4.11

                        MODIFICATION TO CREDIT AGREEMENT

         This Modification to Credit Agreement (this "Modification") dated the
1st day of May, 2001 (this "Modification"), is made by and between WALL STREET
DELI, INC., a Delaware corporation ("Borrower") and AMSOUTH BANK, an Alabama
banking corporation ("Lender").

                                    RECITALS

         A.       Borrower and Lender have heretofore entered into that certain
Credit Agreement dated as of June 19, 1996, as amended by that certain Amended
and Restated Credit Agreement dated February 2, 1999, that certain Modification
to Credit Agreement dated October 25, 1999, that certain Modification to Credit
Agreement dated October 29, 1999, that certain Modification to Credit Agreement
dated November 30, 1999, that certain Modification to Credit Agreement dated
January 27, 2000, that certain Modification to Credit Agreement dated March 3,
2000, that certain Modification to Credit Agreement dated November 10, 2000,
that certain Modification to Credit Agreement dated January 5, 2001, that
certain Modification to Credit Agreement dated February 5, 2001, and that
certain Modification to Credit Agreement dated March 23, 2001 (the "Credit
Agreement") pursuant to which the Lender agreed to make available to the
Borrower a credit facility in the original maximum principal amount of
$4,000,000 as evidenced by that certain Master Note from Borrower to Lender
dated December 26, 1996, as amended by that certain Amended and Restated Master
Note dated February 1, 1999, that certain Note Modification Agreement dated
October 25, 1999, that certain Note Modification Agreement dated January 5,
2001, and that certain Note Modification Agreement dated February 5, 2001 (the
"Note"). The Credit Agreement and Note shall hereinafter collectively be
referred to as the "Credit Documents"). Capitalized terms used herein and not
otherwise defined shall have the meanings given to them in the Credit Documents.

         B.       Borrower has requested certain amendments to the Credit
Documents. Lender has agreed to such amendments to the Credit Documents as more
particularly set forth herein and requires this Modification as evidence
thereof.

                                    AGREEMENT

         NOW, THEREFORE, in consideration of the foregoing Recitals and other
good and valuable consideration, the Borrower and Lender agree as follows:

         1.       The Recitals herein are true and correct.

         2.       The Credit Agreement is hereby amended by deleting Section 1.2
(aj) in its entirety and inserting in lieu thereof the following:

                  (a)      TERMINATION DATE means May 17, 2001, the maturity
         date of the Obligations, as such date may be extended from time to time
         pursuant to Section 2.5 or accelerated pursuant to Section 6.2.

         3.       As a condition to this Modification, Borrower shall pay to
Lender a modification fee of $1,000 due upon execution and delivery of this
Modification. Additionally, Borrower agrees to directly pay

                                       24
<PAGE>   2

and reimburse the Lender for all expenses, including the reasonable fees and
expenses of legal counsel, incurred by the Lender in connection with the
preparation of the documentation to evidence this Modification.

         4.       Borrower represents and warrants to the Lender that all
representations and warranties given by the Borrower to the Lender in Article
III of the Credit Agreement are true and correct as of the date hereof, except
to the extent affected by this Modification.

         5.       Except as herein modified, the Credit Agreement shall remain
in full force and effect, and the Credit Agreement as so modified, is hereby
ratified and affirmed in all respects. The Borrower confirms that it has no
offsets or defenses with respect to its obligations pursuant to the Credit
Agreement, as herein modified, and represents that this Modification has been
duly authorized, executed and delivered pursuant to all necessary action of the
Borrower. Furthermore, Borrower hereby releases, satisfies, conceals, waives,
acquits, and forever discharges the Lender, its directors, officers, employees,
agents, attorneys, successors and assigns, of and from any and all claims,
demands, actions, or causes of action of any kind or character, arising at any
time in the past, up to and including the date of this Modification, which
relate or pertain in any way to the Credit Documents or the indebtedness
evidenced thereby and/or the collection of such indebtedness.

         6.       This Modification shall inure to the benefit of and be binding
upon the parties hereto, and their respective successors and assignors.

         7.       This Modification may be executed in counterparts, each of
which shall be an original, but all of which when taken together shall
constitute one and the same instrument.

         8.       The Borrower irrevocably (a) acknowledges that this
Modification will be accepted by the Lender and performed by the Borrower in the
State of Alabama; (b) submits to the jurisdiction of each state or federal court
sitting in Jefferson County, Alabama (collectively, the "Courts") over any suit,
action or proceeding arising out of or relating to this Modification or any of
the other Credit Documents (an "Action"); (c) waives, to the fullest extent
permitted by law, any objection or defense that the Borrower may now or
hereafter have based on improper venue, lack of personal jurisdiction,
inconvenience of forum or any similar matter in any Action brought in any of the
Courts; (d) agrees that final judgment in any Action brought in any of the
Courts shall be conclusive and binding upon the Borrower and may be enforced in
any other court to the jurisdiction of which the Borrower is subject, by a suit
upon such judgment; (e) consents to the service of process on the Borrower in
any Action by the mailing of a copy thereof by registered or certified mail,
postage prepaid, to the Borrower at the Borrower's address designated in or
pursuant to Section 7.1; (f) agrees that service in accordance with Section
7.14(e) of the Credit Amendment shall in every respect be effective and binding
on the Borrower to the same extent as though served on the Borrower in person by
a person duly authorized to serve such process; and (g) AGREES THAT THE
PROVISIONS OF THIS PARAGRAPH, EVEN IF FOUND NOT TO BE STRICTLY ENFORCEABLE BY
ANY COURT, SHALL CONSTITUTE "FAIR WARNING" TO THE BORROWER THAT THE EXECUTION OF
THIS MODIFICATION MAY SUBJECT THE BORROWER TO THE JURISDICTION OF EACH STATE OR
FEDERAL COURT SITTING IN JEFFERSON COUNTY, ALABAMA WITH RESPECT TO ANY ACTIONS,
AND THAT IT IS FORESEEABLE BY THE BORROWER THAT THE BORROWER MAY BE SUBJECTED TO
THE JURISDICTION OF SUCH COURTS AND MAY BE SUED IN THE STATE OF ALABAMA IN ANY
ACTIONS. Nothing in this Paragraph shall limit or restrict the Lender's right to
serve process or bring Actions in courts otherwise than as herein provided.

                                       25
<PAGE>   3

         9.       The exercise by the Lender of any option given to it under the
Credit Agreement shall not constitute a waiver of the right to exercise any
other option. No failure or delay on the part of the Lender in exercising any
right, power or remedy under the Credit Agreement shall operate as a waiver
thereof, nor shall any single or partial exercise of any such right, power or
remedy preclude any further exercise thereof or the exercise of any other right,
power or remedy.

         10.      This Modification shall inure to the benefit of and be binding
upon the parties hereto and their respective successor and assigns.

         11.      Inapplicability or unenforceability of any provisions of this
Modification shall not limit or impair the operation or the validity of any
other provision of this Modification.

         IN WITNESS WHEREOF, the parties have caused this Modification to be
duly executed under seal as of the day and year first above written.

                                      BORROWER:

                                      WALL STREET DELI, INC.,
                                      a Delaware corporation

                                      By: /s/  Jeffrey V. Kaufman
                                         ---------------------------------------
                                      Printed Name: Jeffrey V. Kaufman
                                                   -----------------------------
                                      Its: Chief Executive Officer
                                          --------------------------------------

                                                          [Affix corporate seal]

                                      Attest: /s/ Thomas J. Sandeman
                                             -----------------------------------
                                      Printed Name: Thomas J. Sandeman
                                                   -----------------------------
                                      Title: Secretary
                                            ------------------------------------

                                                          [Affix corporate seal]

STATE OF ALABAMA           )
COUNTY OF JEFFERSON        )

         I, the undersigned, a Notary Public in and for said County, in said
State, hereby certify that Jeffrey V. Kaufman whose name as Chief Executive
Officer of Wall Street Deli, Inc., a Delaware corporation, is signed to the
foregoing instrument, and who is known to me, acknowledged before me on this day
that, being informed of the contents of the instrument, s/he, as such officer
and with full authority, executed the same voluntarily on the day the same bears
date.

         Given under my hand and official seal, this 1st day of May, 2001.

                                      /s/   Denis Mitchell
                                      ------------------------------------------
                                      Notary Public
                                      My commission expires: 2/4/04
                                                            --------------------

[SEAL]

                                       26
<PAGE>   4

                                      LENDER:

                                      AMSOUTH BANK,
                                      an Alabama banking corporation

                                      By:        /s/  Darlene E. Chandler
                                         ---------------------------------------
                                      Printed Name: Darlene E. Chandler
                                                   -----------------------------
                                      Title: Vice President
                                            ------------------------------------

STATE OF ALABAMA           )
COUNTY OF JEFFERSON        )

         I, the undersigned, a Notary Public in and for said County, in said
State, hereby certify that Darlene E. Chandler whose name as Vice President of
AmSouth Bank, an Alabama banking corporation, is signed to the foregoing
instrument, and who is known to me, acknowledged before me on this day that,
being informed of the contents of the instrument, s/he, as such officer and with
full authority, executed the same voluntarily on the day the same bears date.

         Given under my hand and official seal, this 2nd day of May, 2001.

                                      /s/   Hattie Evans
                                      Notary Public
                                      My commission expires: 1/17/04
                                                            --------------------

[SEAL]

                                       27<PAGE>   1
                                                                    EXHIBIT 10.1

                                 AMENDMENT NO. 6

                           DATED AS OF JANUARY 1, 2001

                                       TO

                           LOAN AND SECURITY AGREEMENT

                                   AS AMENDED

                            DATED AS OF JUNE 5, 1997

                                      AMONG

                ACCREDO HEALTH, INCORPORATED AND ITS SUBSIDIARIES

                                       AND

                             BANK OF AMERICA, N.A.,

                    FIRST TENNESSEE BANK NATIONAL ASSOCIATION

                                       AND

                          BROWN BROTHERS HARRIMAN & CO.

                                       AND

                         BANK OF AMERICA, N.A., AS AGENT

<PAGE>   2

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                                        Page
<S>                                                                                       <C>
1.   Definitions...........................................................................1

2.   Amendments to Agreement...............................................................1

3.   Representations and Warranties........................................................6
     3.1. Incorporation....................................................................7
     3.2. Due Authorization, No Conflicts, Etc.............................................7
     3.3. Due Execution, Etc...............................................................7

4.   Conditions Precedent..................................................................8
     4.1. Conditions Precedent to Effectiveness of Amendment No. 6.........................8

5.   Effectiveness of Amendment No. 6......................................................8

6.   Closing...............................................................................9

7.   Governing Law, Etc....................................................................9

8.   Section Titles and Table of Contents..................................................9

9.   Waiver of Jury Trial..................................................................9

10.  Counterparts..........................................................................9

11.  Agreement to Remain in Effect.........................................................9
</TABLE>

<PAGE>   3

         AMENDMENT NO. 6 dated as of January 1, 2001 under and to that certain
Loan and Security Agreement dated as of June 5, 1997 as amended by Amendment No.
1 dated August 28, 1998, as further amended by Amendment No. 2 dated March 1,
1999, as further amended by Amendment No. 3 dated as of October 14, 1999,
Amendment No. 4 dated December 3, 1999 and as further amended by Amendment No. 5
dated July 7, 2000 (collectively, the "Agreement"), among Accredo Health,
Incorporated (formerly Nova Holdings, Inc.), a Delaware corporation (the
"Borrower"); the Guarantors, jointly and severally; each of the undersigned
Banks (in such capacity, the "Banks"), and Bank of America, N.A. (successor to
NationsBank, N.A.), as Agent for the Banks (in such capacity, the "Agent").

                                   WITNESSETH:

         WHEREAS, the Borrower, the Guarantors, the Banks and the Agent are
parties to the Agreement; and

         WHEREAS, the Borrower has requested that the Banks agree to a reduction
in the nonuse fees as well as a restructuring of the Applicable LIBO Rate Margin
and Applicable Prime Rate Margin, and the Banks have agreed to such reductions
as well as to an extension of the Loan Termination Date provided that the
Borrower reduces the amount available under the Commitments (subject to increase
upon payment of an additional fee) and that the Borrower agrees to maintain a
Funded Debt to Cash Flow ratio of not more than 2.75 to 1.0 instead of 3.50 to
1.0; and

         WHEREAS, Bank and Borrower have both agreed to eliminate the existing
Borrowing Base provisions and definitions contained in the Agreement;

         NOW THEREFORE, in consideration of the foregoing and the mutual
covenants and agreements set forth herein, and for other good and valuable
consideration, the receipt and legal sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

         1.       DEFINITIONS. All capitalized terms used in this Amendment No.
6 which are not otherwise defined herein shall have the respective meanings
ascribed thereto in the Agreement.

         2.       AMENDMENTS TO AGREEMENT.

                  2.1.     Section I of the Agreement, DEFINITIONS, is hereby
amended by deleting the definitions of "Applicable LIBO Rate Margin",
"Applicable Prime Rate Margin", "Borrowing Base", "Borrowing Base Adjustment
Date", "Borrowing Base Reference Period", and "Financial Statements" and by
adding thereto the following new definitions as follows:

                  "AMENDMENT NO. 6 EFFECTIVE DATE" has the meaning specified in
         Section 5 of this Amendment No. 6.

                  "APPLICABLE LIBO RATE MARGIN" means two percent (2.00%) per
         annum; provided however, that during any fiscal quarter of the Borrower
         where the Borrower shall have satisfied the Funded Debt to Cash Flow
         ratio test indicated in the table below, then the

<PAGE>   4

         Applicable LIBO Rate Margin for the Effective Period (as defined below)
         shall be the percentage rate per annum set forth opposite the
         appropriate test in the table below:

<TABLE>
<CAPTION>
Funded Debt to Cash Flow                                                           Applicable LIBO Rate Margin
------------------------                                                           ---------------------------
<S>                                                                                <C>
Greater than 2.25 to 1.0                                                                 2.00% per annum

Equal to or Less than 2.25:1.0 and Greater than 1.50:1.0                                 1.50% per annum

Equal to or Less than 1.50:1.0 and Greater than 0.75:1.0                                 1.00% per annum

Equal to or Less than 0.75 to 1.0                                                        0.75% per annum
</TABLE>

                  The Funded Debt to Cash Flow ratio shall be computed generally
         as set forth in Paragraph 6.17(C) with Cash Flow being computed on a
         rolling four (4) quarter basis after giving Pro-Forma Effect to any
         Permitted Acquisition or Indebtedness associated therewith, and the
         Applicable LIBO Rate Margin shall be confirmed by the Agent on the
         basis of quarter-annual financial statements of the Borrower delivered
         to the Banks pursuant to Paragraph 6.2(B) and year end financial
         statements delivered pursuant to Paragraph 6.2(C). The "Effective
         Period" shall be the period commencing on the first Business Day of the
         first month following delivery to the Agent of the financial statements
         of the Borrower pursuant to Paragraphs 6.2(B) and 6.2(C), which
         financial statements indicate that the applicable test set forth above
         has been satisfied for the preceding fiscal quarter, and ending on the
         date that is three months after such commencement date. At the end of
         any Effective Period, the Applicable LIBO Rate Margin shall
         automatically become two percent (2.00%) per annum unless at or prior
         to such time the next Effective Period shall have commenced.

                  "APPLICABLE PRIME RATE MARGIN" means zero percent (0.0%) per
         annum; provided however, that during any fiscal quarter of the Borrower
         where the Borrower shall have satisfied the Funded Debt to Cash Flow
         ratio test indicated in the table below, the Applicable Prime Rate
         Margin for the Effective Period (as defined below) shall be the
         percentage rate per annum set forth opposite the appropriate test in
         the table below:

                                       2

<PAGE>   5

<TABLE>
<CAPTION>
Funded Debt to Cash Flow                                                          Applicable Prime Rate Margin
------------------------                                                          ----------------------------
<S>                                                                               <C>
Greater than 2.25 to 1.0                                                                 0.0% per annum

Equal to or Less than 2.25:1.0 and Greater than 1.50:1.0                                -0.25% per annum

Equal to or Less than 1.50:1.0 and Greater than 0.75:1.0                                -0.50% per annum

Equal to or Less than 0.75 to 1.0                                                       -0.75% per annum
</TABLE>

                  The Funded Debt to Cash Flow ratio shall be computed generally
         as set forth in Paragraph 6.17(C) with Cash Flow being computed on a
         rolling four (4) quarter basis after giving Pro-Forma Effect to any
         Permitted Acquisition or Indebtedness associated therewith, and the
         Applicable Prime Rate Margin shall be confirmed by the Agent on the
         basis of the quarter-annual financial statements of the Borrower
         delivered to the Banks pursuant to Paragraph 6.2(B) and year end
         financial statements delivered pursuant to Paragraph 6.2(C). The
         "Effective Period" shall be the period commencing on the first Business
         Day of the first month following delivery to the Agent of the financial
         statements of the Borrower pursuant to Paragraphs 6.2(B) and 6.2(C),
         which financial statements indicate that the applicable test set forth
         above has been satisfied for the preceding fiscal quarter, and ending
         on the date that is three months after such commencement date. At the
         end of any Effective Period, the Applicable Prime Rate Margin shall
         automatically become zero percent (0.0%) per annum unless at or prior
         to such time the next Effective Period shall have commenced.

                  "FINANCIAL STATEMENTS" means the consolidated and
         consolidating balance sheets of the Borrower and its Subsidiaries as of
         June 30, 2000 and December 31, 2000 and statements of income and
         shareholders equity for the years or months ended on such dates.

In addition to the foregoing new definitions, the following definition are
hereby amended:

         "Loan Termination Date" is hereby amended to replace the date of
December 1, 2001 with the date of December 1, 2003.

         "Unutilized Revolving Commitment" is hereby amended to delete the
clause "without regard to any Borrowing Base limitations" and to replace it with
the clause "as set forth in Paragraph 2.1 hereof, with such Commitment to be
calculated based on Total Commitments of $30,000,000 unless and until an
additional fee has been paid pursuant to Paragraph 2.1(B) and the Total
Commitments have been increased in accordance with 2.1(B) to $60,000,000,".

                                       3

<PAGE>   6

                  2.2.     Paragraph 2.1 of the Agreement is hereby amended to
delete the last sentence of Subparagraph 2.1(E), and further to delete in their
entirety Subparagraphs (A) and (B) thereof and to replace them with the
following Subparagraphs (A) and (B) as follows:

                           (A)      Subject to the terms and conditions of and
                  relying on the representations, warranties and covenants
                  contained in this Agreement, through the day prior to the Loan
                  Termination Date, each Bank agrees to fund severally but not
                  jointly to the Borrower the amount set out opposite their
                  names, which for all of the Banks shall be initially an
                  aggregate maximum principal amount of up to Sixty Million
                  Dollars ($60,000,000.00); provided, the principal balance of
                  the Revolving Loans committed and/or outstanding shall not
                  exceed the aggregate amount of Thirty Million Dollars
                  ($30,000,000.00) (and each Bank's Commitment shall not exceed
                  its Commitment Percentage multiplied by $30,000,000.00) unless
                  and until the Borrower shall have satisfied each of the
                  criteria specified in Subparagraph (B) below for increasing
                  the Total Commitments to Sixty Million Dollars
                  ($60,000,000.00). The maximum Commitment of each of the Banks
                  and its respective percentage of the Total Commitments (the
                  "Commitment Percentage" of each Bank) are as follows:

<TABLE>
<CAPTION>
                                                        ACQUISITION LOAN                      COMMITMENT
                  BANK                                  COMMITMENT AMOUNT                     PERCENTAGE
---------------------------------------------------------------------------------------------------------
<S>                                                  <C>                                       <C>
Bank of America, N.A.                                $15,000,000/$30,000,000                         50%
---------------------------------------------------------------------------------------------------------
Brown Brothers Harriman & Co.                        $ 5,000,000/$10,000,000                    16.6667%
---------------------------------------------------------------------------------------------------------
First Tennessee Bank National                        $10,000,000/$20,000,000                    33.3333%
Association
---------------------------------------------------------------------------------------------------------
TOTAL COMMITMENTS                                    $30,000,000/$60,000,000                        100%
---------------------------------------------------------------------------------------------------------
</TABLE>

                  The Revolving Loans shall be evidenced by the (i) Thirty
                  Million Dollar ($30,000,000.00) Note of Borrower to Bank of
                  America, N.A., (ii) the Ten Million Dollar ($10,000,000.00)
                  Note of Borrower to Brown Brothers Harriman & Co., and (iii)
                  the Twenty Million Dollar ($20,000,000.00) Note of Borrower to
                  First Tennessee Bank National Association, which Notes are
                  substantially in the form set forth in Exhibit A attached
                  hereto, with each Note payable in accordance with its terms.
                  The Borrower may obtain Loans, repay without penalty or
                  premium except as set forth in Paragraph 2.9 below and
                  reborrow hereunder, from the date of this Agreement up to the
                  day prior to the Loan Termination Date, the then available
                  Revolving Loan Commitments or any lesser sum which is in the
                  minimum amount of Two Hundred Fifty Thousand Dollars
                  ($250,000.00) and in an integral multiple

                                       4

<PAGE>   7

                  of Fifty Thousand Dollars ($50,000.00) if in excess thereof;
                  provided, however, Borrower may not borrow more than two (2)
                  times in any calendar week. Each advance of the Revolving
                  Loans hereunder shall be made by each Bank ratably in
                  accordance with its respective Commitment Percentage of such
                  advance.

                           (B)      The Banks hereby agree to increase from
                  Thirty Million Dollars ($30,000,000.00) to Sixty Million
                  Dollars ($60,000,000.00) the Total Commitments set forth in
                  Subparagraph (A) above upon the occurrence of (i) 15 days
                  prior written notice from the Borrower to the Agent and each
                  of the Banks of the Borrower's election to increase the Total
                  Commitments from $30,000,000 to $60,000,000; (ii) the payment
                  by the Borrower to the Agent for the account of each Bank of
                  an additional Commitment Fee equal to $60,000.00 in the
                  aggregate if paid in calendar year 2001, $75,000.00 in the
                  aggregate if paid in calendar year 2002, and $90,000.00 in the
                  aggregate if paid in 2003; and (iii) the delivery by the
                  Borrower to the Agent of a current compliance certificate
                  certifying and demonstrating that there is no Event of Default
                  in existence hereunder, the Borrower is presently in
                  compliance with all financial covenants, and, following the
                  increase in the Total Commitments to $60,000,000, the Borrower
                  will continue to be in compliance with all existing financial
                  covenants set forth in the Agreement.

                  2.3.     Paragraph 2.3(G) is hereby amended to replace "2.5%
per annum" where it appears in the sixth line of the first sentence thereof with
"2% per annum" and also to replace the Funded Debt to Cash Flow table which
appears at the very end of said sentence with the following table of Funded Debt
to Cash Flow as follows:

<TABLE>
<CAPTION>
Funded Debt to Cash Flow                                                    Percentage Rate
------------------------                                                    ---------------
<S>                                                                         <C>
Greater than 2.25 to 1.0                                                    2.00% per annum

Equal to or Less than 2.25:1.0 and Greater than 1.50:1.0                    1.50% per annum

Equal to or Less than 1.50:1.0 and Greater than 0.75:1.0                    1.00% per annum

Equal to or Less than 0.75 to 1.0                                           0.75% per annum
</TABLE>

                  2.4.     Paragraph 2.4 is hereby amended to delete "0.30% per
annum" where it appears therein with the figure of "0.25% per annum" and to
replace the Funded Debt to Cash Flow table at the end of the first sentence with
the following table of Funded Debt to Cash Flow and applicable Percentage Rate
as follows:

                                       5

<PAGE>   8

<TABLE>
<CAPTION>
Funded Debt to Cash Flow                                                                 Percentage Rate
-------------------------                                                               ----------------
<S>                                                                                      <C>
Greater than 2.25 to 1.0                                                                 0.25% per annum

Equal to or Less than 2.25:1.0 and Greater than 1.50:1.0                                 0.20% per annum

Equal to or Less than 1.50:1.0 and Greater than 0.75:1.0                                 0.20% per annum

Equal to or Less than 0.75 to 1.0                                                        0.15% per annum
</TABLE>

                  2.5.     Paragraph 5.9 is hereby amended to delete the date of
March 31, 1997 in each place where it appears in Paragraph 5.9, and the Borrower
and each Guarantor hereby warrant and represent to the Agent and each Bank that
the provisions of Paragraph 5.9 as herein amended with respect to the Financial
Statements (as such definition has been amended in this Amendment No. 6) are
true and correct.

                  2.6.     Paragraph 6.2(D) is hereby amended to delete the
clause "a Borrowing Base Calculation Certificate in the form of Exhibit M hereto
as well as".

                  2.7.     Paragraph 6.17(C) is hereby amended to replace "3.50
to 1.0" with "2.75 to 1.0".

                  2.8.     Exhibits H, I, J, K and L to the Agreement are hereby
deleted and replaced by Exhibits H, I, J, K and L attached hereto, which
replacement Exhibits the Borrower and each Guarantor jointly and severally
represent and warrant to the Agent and each Bank to be true and correct as of
the date of this Amendment No. 6.

                  2.9.     The Borrower hereby agrees to pay to the Agent to the
benefit of the Banks on a prorated basis a fee of One Hundred Twenty Thousand
Dollars ($120,000.00) in connection herewith and in consideration of this
Amendment, said fee to be payable contemporaneously with the execution hereof.

         3.       REPRESENTATIONS AND WARRANTIES. To induce the Banks and the
Agent to enter into this Amendment No. 6, Borrower and Guarantors jointly and
severally represent and warrant to the Banks and the Agent as follows:

                  3.1.     INCORPORATION. Accredo Health, Incorporated is a
corporation duly organized, validly existing and in good standing under the laws
of the State of Delaware, and is qualified to transact business in the State of
Tennessee; Nova Factor, Inc., Southern Health Systems, Inc., Hemophilia Health
Services, Inc. (successor to Horizon Health Systems, Inc.) and AHI Pharmacies,
Inc. are corporations duly organized, validly existing and in good standing
under the laws of the State of Tennessee; Sunrise Health Management, Inc., is a
corporation duly organized and validly existing and in good standing under the
laws of the State of Georgia; Childrens Hemophilia Services is a general
partnership duly formed and validly existing under the laws of the State of
California; each of the foregoing entities has the lawful power to own its
properties and to

                                       6

<PAGE>   9

engage in the business it now conducts, and each corporation is duly qualified
and in good standing as a foreign corporation in the jurisdictions wherein the
nature of the business transacted by it or property owned by it is both material
and makes qualification necessary; Accredo Health, Incorporated has its chief
executive office and principal place of business in Memphis, Tennessee, and each
of the other entities has its chief executive office and principal place of
business located in either Nashville, Tennessee or Memphis, Tennessee, except
for Sunrise Health Management, Inc., which has its principal office in Norcross,
Georgia, and Childrens Hemophilia Services which has its principal office in Los
Angeles, California.

                  3.2.     DUE AUTHORIZATION, NO CONFLICTS, ETC. The execution,
delivery and performance by the Borrower and Guarantors of this Amendment No. 6
and any and all other agreements, instruments and documents to be executed
and/or delivered by the Borrower or any Guarantor pursuant hereto or in
connection herewith, and the consummation by Borrower and Guarantors of the
transactions contemplated hereby or thereby: (a) are within the corporate and/or
partnership powers of each; (b) have been duly authorized by all necessary
corporate and/or partnership action, including without limitation, the consent
of stockholders/partners where required; (c) do not and will not (i) contravene
the respective certificate of incorporation or by-laws or other comparable
governing documents of Borrower or any Guarantor, (ii) violate any Laws, or any
order or decree of any court or governmental authority, or (iii) conflict with
or result in the breach of, or constitute a default under, or result in the
termination of, any material contractual obligation of Borrower or any
Guarantor, and (d) do not require the consent, authorization by, or approval of,
or notice to, or filing or registration with, any governmental authority or any
other Person other than those which have been obtained and copies of which have
been delivered to the Agent pursuant to Subsection 4.1(a)(ii) hereof, each of
which is in full force and effect.

                  3.3.     DUE EXECUTION, ETC.  This Amendment No. 6 and each of
the other agreements, instruments and documents to be executed and/or delivered
by Borrower or any Guarantor pursuant hereto or in connection herewith (a) has
been duly executed and delivered, and (b) constitutes the legal, valid and
binding obligation of each, enforceable against it in accordance with its terms,
subject however to state and federal bankruptcy, insolvency, reorganization and
other laws and general principles of equity affecting enforcement of the rights
of creditors generally.

         4.       CONDITIONS PRECEDENT. The effectiveness of this Amendment
No. 6 is subject to the fulfillment of the following conditions precedent on or
prior to the Amendment No. 6 Effective Date (as hereinafter defined in Section 5
hereof):

                  4.1.     CONDITIONS PRECEDENT TO EFFECTIVENESS OF AMENDMENT
NO. 6. The Agent shall have received, on or prior to the Amendment No. 6
Effective Date, the following, each dated on or prior to the Amendment No. 6
Effective Date unless otherwise indicated, in form and substance satisfactory to
the Agent and in sufficient copies for each Bank:

                           (a)      Certified copies of (i) the resolutions of
the Board of Directors and/or Partners of Borrower and each Guarantor approving
this Amendment No. 6 and each other agreement, instrument or document to be
executed by them pursuant hereto or as contemplated hereby, and (ii) all
documents evidencing other necessary corporate or partnership action and

                                       7

<PAGE>   10

required governmental and third party approvals, licenses and consents with
respect to this Amendment No. 6 and the transactions contemplated hereby.

                           (b)      A certificate of the Secretary or an
Assistant Secretary of Borrower and each Guarantor certifying the names and true
signatures of the officers of Borrower and each corporate Guarantor who have
been authorized to execute on behalf of Borrower and such corporate Guarantor
this Amendment No. 6 and any other agreement, instrument or document executed or
to be executed by Borrower and any Guarantor in connection herewith.

                           (c)      A certificate dated the Amendment No. 6
Effective Date signed by the President or any Vice-President of Borrower, to the
following effect:

                           (i)      The representations and warranties of the
         Borrower contained in Sections 3.1, 3.2 and 3.3 of this Amendment No. 6
         are true and correct on and as of such date as though made on and as of
         such date;

                           (ii)     No Default or Event of Default has occurred
         and is continuing, and no Default or Event of Default would result from
         the execution and delivery of this Amendment No. 6 or the other
         agreements, instruments and documents contemplated hereby; and

                           (iii)    The Borrower has paid or agreed to pay all
         amounts payable by it pursuant to the Agreement as amended hereby
         (including, without limitation, all legal fees and expenses of Banks'
         counsel incurred in connection herewith) to the extent then due and
         payable.

         5.       EFFECTIVENESS OF AMENDMENT NO. 6. This Amendment No. 6 and the
Exhibits attached hereto shall become effective at such time as (a) each of the
conditions precedent set forth in Section 4.1 hereof shall have been satisfied,
and (b) counterparts of this Amendment No. 6, executed and delivered by the
Borrower, the Guarantors, the Banks and the Agent shall have been received by
the Agent (or, alternatively, confirmation of the execution hereof by such
parties shall have been received by the Agent). The date upon which the
conditions described in clauses (a) and (b) of the foregoing sentence shall have
been fulfilled is referred to herein as the "Amendment No. 6 Effective Date".

         6.       CLOSING. The Closing under this Amendment No. 6 shall occur on
the Amendment Effective Date at the offices of Boult, Cummings, Conners & Berry,
PLC, 414 Union Street, Nashville, Tennessee 37219, or such other location as the
parties may agree.

         7.       GOVERNING LAW, ETC. This Amendment No. 6 shall be governed by,
and construed in accordance with, the laws of the State of Tennessee as provided
in Section 10.9 of the Agreement, which Section is incorporated herein by
reference and made a part hereof as though set forth in full herein.

                                       8

<PAGE>   11

         8.       SECTION TITLES AND TABLE OF CONTENTS. The Section Titles and
Table of Contents contained in this Amendment No. 6 are and shall be without
substantive meaning or content of any kind whatsoever and are not a part of the
agreement among the parties hereto.

         9.       WAIVER OF JURY TRIAL. EACH PARTY HERETO, INCLUDING THE
BORROWER, EACH SUBSIDIARY, THE BANKS, AND THE AGENT, HEREBY KNOWINGLY,
VOLUNTARILY AND INTENTIONALLY WAIVE (TO THE EXTENT PERMITTED BY APPLICABLE LAWS)
ANY RIGHTS THEY MAY HAVE TO A TRIAL BY JURY OF ANY DISPUTE ARISING UNDER,
RELATING TO, OR CONNECTED WITH THIS AGREEMENT, THE COLLATERAL OR ANY OTHER
AGREEMENT, INSTRUMENT OR DOCUMENT CONTEMPLATED HEREBY OR DELIVERED IN CONNECTION
HEREWITH AND AGREE THAT ANY SUCH DISPUTE SHALL BE TRIED BEFORE A JUDGE SITTING
WITHOUT A JURY. THIS PROVISION IS A MATERIAL INDUCEMENT FOR THE BANKS' AND THE
AGENT ENTERING INTO THIS AGREEMENT.

         10.      COUNTERPARTS.  This Amendment No. 6 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 instrument.

         11.      AGREEMENT TO REMAIN IN EFFECT.  Except as expressly provided
herein, the Agreement and each other Collateral Document shall be and shall
continue in full force and effect in accordance with its respective terms.

                                       9

<PAGE>   12

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment No. 6
to be executed by their respective officers thereunto duly authorized, as of the
date first above written.

<TABLE>
<CAPTION>
AGENT                                         BORROWER
-----                                         --------
<S>                                           <C>
BANK OF AMERICA, N.A.,                        ACCREDO HEALTH, INCORPORATED
as Agent

BY: /s/ Elizabeth L. Knox                     BY: /s/ Joel Kimbrough
   -----------------------------------           ----------------------------------------

TITLE: Sr, Vice President                     TITLE: CFO
      --------------------------------              -------------------------------------

BANKS                                         GUARANTORS AND SUBSIDIARIES
-----                                         ---------------------------

BANK OF AMERICA, N.A.                         SOUTHERN HEALTH SYSTEMS, INC.

BY: /s/ Elizabeth L. Knox                     BY: /s/ Joel Kimbrough
   -----------------------------------           ----------------------------------------

TITLE:  Sr. Vice President                    TITLE:  CFO
      --------------------------------               ------------------------------------

FIRST TENNESSEE BANK NATIONAL                 NOVA FACTOR, INC.
ASSOCIATION

BY: /s/ Bob Nieman                            BY: /s/ Joel Kimbrough
   -----------------------------------           ----------------------------------------

TITLE: Sr. Vice President                     TITLE: CFO
      --------------------------------              -------------------------------------

BROWN BROTHERS HARRIMAN & CO.                 HEMOPHILIA HEALTH SERVICES, INC.
                                              (successor to Horizon Health Systems, Inc.)

BY: /s/ Gregory S. Pachus                     BY: /s/ Joel Kimbrough
   -----------------------------------           ----------------------------------------

TITLE:  Vice President                        TITLE:  CFO
       -------------------------------               -------------------------------------
</TABLE>

                                       10

<PAGE>   13

                                           AHI PHARMACIES, INC.

                                           BY: /s/ Joel Kimbrough
                                              ----------------------------------

                                           TITLE:  CFO
                                                 -------------------------------

                                           SUNRISE HEALTH MANAGEMENT, INC.

                                           BY: /s/ Joel Kimbrough
                                              ----------------------------------

                                           TITLE: CFO
                                                 -------------------------------

                                           CHILDRENS HEMOPHILIA SERVICES

                                           BY: Hemophilia Health Services, Inc.,
                                               general partner

                                               BY: /s/ Joel Kimbrough
                                                  ------------------------------

                                               TITLE: CFO
                                                     ---------------------------

                                       11

<PAGE>   14

                                    EXHIBIT H
                                CORPORATE MATTERS

State of Incorporation of Subsidiaries

         Nova Factor, Inc.                                    Tennessee

         Southern Health Systems, Inc.                        Tennessee

         Hemophilia Health Services, Inc.                     Tennessee

         AHI Pharmacies, Inc.                                 Tennessee

         Sunrise Health Management, Inc.                      Georgia

States of Qualification

         Accredo Health, Incorporated                         Tennessee
                                                              California

         Nova Factor, Inc.                                    Alabama
                                                              California
                                                              Florida
                                                              Georgia
                                                              Illinois
                                                              Montana
                                                              Texas

         Hemophilia Health Services, Inc.                     California
                                                              Oklahoma

         AHI Pharmacies, Inc.                                 Florida
                                                              California
                                                              North Carolina

Stock Ownership

         Accredo Health, Incorporated owns the following outstanding shares of
stock or partnership interests of each Subsidiary listed below:

<TABLE>
         <S>                                      <C>
         Nova Factor, Inc.                        One Hundred Percent (100%) is owned by
                                                  Southern Health Systems, Inc.
</TABLE>

                                       12

<PAGE>   15

<TABLE>
         <S>                                      <C>
         Southern Health Systems, Inc.            One Hundred Percent (100%)

         Hemophilia Health Services, Inc.         One Hundred Percent (100%) (as of June 1,
                                                  1997)

         AHI Pharmacies, Inc.                     One Hundred Percent (100%) is owned by
                                                  Nova Factor, Inc.

         Sunrise Health Management, Inc.          One Hundred Percent (100%) is owned by
                                                  Hemophilia Health Services, Inc.

         Children's Hemophilia Services           80% is owned by Hemophilia Health Services,
                                                  Inc.
</TABLE>

Other Subsidiaries

A.  Nova Factor, Inc. has the following partnership interests:

    Texas Health Pharmaceutical Resources:              Equity Ownership of 50%

    Teddy Bear Home Care - Drug Therapies,
    d/b/a Cook Children's Home Health:                  Equity Ownership of 50%

    Children's Memorial Home Hemophilia Services
    d/b/a CM Factorcare:                                Equity Ownership of 50%

    Children's Home Services                            Equity Ownership of 50%

    Children's Biotech Pharmacy Services                Equity Ownership of 50%

 B. Hemophilia Health Services has the following partnership interests:

    Specialized Pharmacy Services:                      Equity Ownership of 50%

    Children's National Hemophilia Care                 Equity Ownership of 50%

                                       13

<PAGE>   16

                                    EXHIBIT I
                                    ADDRESSES

         The following are the addresses of all of the places of business of the
Borrower and each Subsidiary as defined in the Loan and Security Agreement:

         Accredo Health, Incorporated
         1640 Century Center Parkway
         Suites 101, 103, 104, 105
         Memphis, Tennessee  38134

         Nova Factor, Inc.
         1620 Century Center Parkway
         Suite 101-110
         Memphis, Tennessee  38134

         Nova Factor, Inc.
         3576 Lorna Ridge Drive
         Hoover, Alabama  35216

         Southern Health Systems, Inc.
         1640 Century Center Parkway
         Suite 101
         Memphis, Tennessee  38134

         Hemophilia Health Services, Inc.
         6820 Charlotte Pike
         Suite 100
         Nashville, Tennessee  37209

         Texas Health Pharmaceutical Resources
         2100 Hwy. 360, Suite 604
         Grand Prairie, Texas  75050

         Teddy Bear Home Care/Drug Therapies
         d/b/a Cook Childrens Home Health
         2100 Hwy. 360, Suite 605A
         Grand Prairie, Texas  75050

         Children's Memorial Home Hemophilia Services
         d/b/a CM Factorcare
         1620 Century Center Parkway
         Suite 109
         Memphis, Tennessee  38134

                                       14

<PAGE>   17

         Sunrise Health Management, Inc.
         5980-E, F, G & H Unity Drive
         Norcross, Georgia  30071

         AHI Pharmacies, Inc.
         1620 Century Center Parkway
         Suite 109
         Memphis, Tennessee  38134

         AHI Pharmacies, Inc.
         5393 Roosevelt Blvd.
         Jacksonville, Florida  32210

         AHI Pharmacies, Inc.
         11562 Knott Avenue
         Unit 6
         Garden Grove, California  92841

         AHI Pharmacies, Inc.
         9741 A Southern Pine
         Charlotte, North Carolina  28273

         Childrens Hemophilia Services
         6820 Charlotte Pike
         Suite 100
         Nashville, Tennessee  37209

         Children's Home Services
         1620 Century Center Parkway
         Suite 109
         Memphis, Tennessee  38134

         Specialized Pharmaceutical Services, Inc.
         6820 Charlotte Pike
         Suite 100
         Nashville, Tennessee  37209

         Children's National Hemophilia Care
         6820 Charlotte Pike
         Suite 100
         Nashville, Tennessee  37209

                                       15

<PAGE>   18

         Children's Biotech Pharmacy Services
         1620 Century Center Parkway
         Suite 109
         Memphis, Tennessee  38134

                                       16

<PAGE>   19

                               INVENTORY LOCATIONS

The following are the addresses of all of the inventory locations of the
Borrower and each subsidiary as defined in the Loan and Security Agreement:

<TABLE>
<CAPTION>
                                                          Owner of                           Inventory *(1)
Address\                                                  Inventory                              Amount
---------                                            ------------------                      --------------
<S>                                                  <C>                                     <C>
Nova Factor, Inc.                                    Nova Factor, Inc.                       $15,000,000.00
1620 Century Center Pkwy.
Suite 109
Memphis, TN  38134

Nova Factor, Inc.                                             NFI                            $ 1,100,000.00
3576 Lorna Ridge Drive
Hoover, AL  35216

Hemophilia Health Services, Inc.                              HHS                            $ 7,000,000.00
6820 Charlotte Pike
Suite 100
Nashville, TN  37209

Texas Health Pharmaceutical Resources                         NFI                            $ 1,100,000.00
Nova Factor - Dallas
Cook Children's Home Health
2100 Hwy. 360, Suite 604
Grand Prairie, TX  75050

AHI Pharmacies, Inc.                                          AHI                            $   500,000.00
11562 Knott Avenue
Unit 6
Garden Grove, California  92841

AHI Pharmacies, Inc.                                          AHI                            $   600,000.00
5393 Roosevelt Blvd.
Suite 21
Jacksonville, Florida  32210

AHI Pharmacies, Inc.                                          AHI                            $   500,000.00
9741 A Southern Pine
Charlotte, North Carolina  28273
</TABLE>

                                       17

<PAGE>   20

<TABLE>
<S>                                                           <C>                                <C>
Sunrise Health Management, Inc.                               SHM                                $ 750,000.00
5980-G Unity Drive
Norcross, GA  30071

Dallas Children's Hospital                                    NFI/HHS                            $ 200,000.00
1935 Motor Street
Dallas, TX  75235

A.I. Dupont Hospital for Children                             NFI                                $  50,000.00
1600 Rockland Road
Wilmington, DE  19899

Childrens Home Care                                           NFI/HHS                            $ 100,000.00
4650 Sunset Blvd.
Mailstop #16
Los Angeles, CA  90027

Childrens Hospital of Oklahoma                                HHS                                $ 100,000.00
940 NE 19th Street
Oklahoma City, OK  73126

University Pharmacy of Oklahoma                               HHS                                $ 175,000.00
835 Station L Young Blvd.
Oklahoma City, OK  73104

LeBonheur Childrens Hospital                                  HHS                                $  20,000.00
848 Adams
Memphis, Tennessee  38103

St. Vincent Mercy Medical Center                              HHS                                $  10,000.00
Ohio
</TABLE>

*(1)     Please note that these inventory balances will fluctuate from month to
         month.

                                       18

<PAGE>   21

                                    EXHIBIT J
                              LITIGATION AND CLAIMS

1.       Judy Merritt v. Darryl Hunter, PharmaThera, Inc. and Southern Health
         Systems, Inc. (Southern Health Systems, Inc.) - This lawsuit was filed
         in the Circuit Court of Shelby County, Tennessee for the Thirtieth
         Judicial District at Memphis on August 29, 1995, cause number 72254
         T.D. 95. This is a negligence lawsuit arising out of an automobile
         accident involving a van owned by PharmaThera, Inc. and driven by a
         Southern Health Systems, Inc. employee. Plaintiff seeks medical
         expenses, lost wages, loss of earning capacity, pain and suffering,
         etc. and has requested a jury trial.

2.       Workers Compensation Claims - From time to time, Nova Factor, Inc.
         receives claims for workers compensation in the normal course of
         business. Nova Factor, Inc. maintains workers compensation insurance
         through Travelers Insurance Company and the workers compensation claims
         are being handled by Travelers.

                                       19

<PAGE>   22

                                    EXHIBIT K
                              COMPLIANCE WITH LAWS

         Nova Factor, Inc. and Hemophilia Health Services, Inc. historically
have entered into partnerships and other agreements with various physicians,
home health agencies and hospitals. Those activities, practices, procedures and
arrangements have been consistent with contemporaneous industry practices and
norms with respect to compliance with Medicare/Medicaid fraud and abuse statutes
and regulations, the federal prohibitions against physician referrals, commonly
referred to as Stark I and Stark II, and state corporate practice of medicine,
fee-splitting and anti-referral statutes, regulations and policies.
Additionally, some of those arrangements predate the adoption of the "safe
harbors", and, therefor not all of those arrangements currently fit within a
known "safe harbor".

         While the Borrower and the Subsidiaries have at all times attempted to
comply with all applicable laws, Borrower and the Subsidiaries cannot foreclose
the possibility that their activities could be challenged by a governmental
agency. If challenged, Borrower and the Subsidiaries believe that their actions
are defendable.

                                       20

<PAGE>   23

                                    EXHIBIT L
                   MATERIAL LEASES, CONTRACTS AND COMMITMENTS

1.       Nova Factor, Inc. has distribution agreements with Genzyme Corporation,
         Genentech Managed Distribution System, Biogen, Inc., Genentech, Inc.,
         Centocor, Inc., MedImmune, Inc., Allergan, Inc. and all manufacturers
         of clotting factor.

2.       Accredo Health, Incorporated has employment agreements with the
         following individuals: Kyle Callahan, David Stevens, John R. Grow, Joel
         Kimbrough and Thomas W. Bell, Jr.

3.       Nova Factor, Inc. has the following partnership agreements:

         (a)      Teddy Bear Home Care Drug Therapies, d/b/a Cook Children's
                  Home Health, is a general partnership formed under the laws of
                  the State of Texas; NFI has an equity ownership of 50%; other
                  partner is Cook Children's Medical Center with a 50% equity
                  interest.

         (b)      Texas Health Pharmaceutical Resources is a general partnership
                  formed under the laws of the State of Texas; NFI has equity
                  ownership of 50%; other partner is Alternative Care Systems,
                  Inc. with a 50% equity interest.

         (c)      Children's Memorial Home Hemophilia Services' partnership
                  d/b/a CM FactorCare, is a general partnership formed under the
                  laws of the State of Tennessee; NFI has an equity ownership of
                  50%; other partner is CM Healthcare Resources, Inc. with a 50%
                  equity interest.

         (d)      Children's Home Services.

         (e)      Children's Biotech Pharmacy Services

4.       Hemophilia Health Services, Inc. has the following partnership
         agreements:

         (a)      Specialized Pharmacy Services

         (b)      Childrens Hemophilia Services

         (c)      Children's National Hemophilia Care

5.       Nova Factor, Inc. has management, sales and/or service agreement with
         Texas Health Pharmaceutical Resources, Teddy Bear Home Care Drug
         Therapies d/b/a Cook Children's Home Health and Children's Memorial
         Home Hemophilia Services d/b/a CM FactorCare, Childrens Home Services
         and Childrens Biotech Pharmacy Services.

6.       HHS has management sales and/or service agreements with Specialized
         Pharmacy Services, Childrens Hemophilia Services and Children's
         National Hemophilia Care.

7.       Accredo Health, Incorporated has two stock option plans, an employee
         stock purchase plan, a 401(k) plan, and a cafeteria (health benefits)
         plan.

                                       21

<PAGE>   24

8.       Nova Factor, Inc., Hemophilia Health Services, Inc., AHI Pharmacies,
         Inc. and Sunrise Health Management, Inc. have informal employee bonus
         plans and other incentive plans in the ordinary course of business.

9.       Nova Factor, Inc., Hemophilia Health Services, Inc., AHI Pharmacies,
         Inc. and Sunrise Health Management, Inc. have managed care contracts,
         Medicare contracts and Medicaid contracts.

10.      Hemophilia Health Services, Inc. has contracts with Bronson Hospital in
         Michigan for said hospital to supply services for a fee.

11.      Nova Factor, Inc. and Hemophilia Health Services, Inc. have pharmacy
         contracts.

12.      Nova Factor, Inc., Hemophilia Health Services, Inc., AHI Pharmacies,
         Inc. and Sunrise Health Management, Inc. have confidentiality and
         noncompete agreements with various employees.

13.       Hemophilia Health Services, Inc. leases the following:

         (a)      Real property at 6820 Charlotte Pike, Nashville Tennessee
                  37209;

14.      Nova Factor, Inc. leases real estate at 1620 Century Center Parkway,
         Suite 109, Memphis, Tennessee 38134, 1640 Century Center Parkway, Suite
         101 and 103, Memphis, Tennessee 38134 and real estate at 3576 Lorna
         Ridge Drive, Hoover, Alabama 35216.

15.      Teddy Bear Home Care Drug Therapies d/b/a Cook Children' Home Health
         leases real property at 2100 Hwy. 360, Suite 605A, Grand Prairie, Texas
         75050.

16.      AHI Pharmacies, Inc. leases real property at 5393 Roosevelt Blvd.,
         Suite 21, Jacksonville, Florida 32210; 9741 A Southern Pine, Charlotte,
         North Carolina 28273; and 11562 Knott Avenue, Unit 6, Garden Grove,
         California 92841.

17.      Sunrise Health Management, Inc. leases real property at 5980-E, F, G &
         H Unity Drive, Norcross, Georgia 30071.

18.      Sunrise Health Management, Inc. has a management agreement with
         Specialized Pharmacy Services.

19.      Accredo has filed lists of material contracts with the Securities and
         Exchange Commission. A copy of the lists of these contracts are
         attached hereto and incorporated herein by reference.

                                       22

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