Document:

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                                                                    EXHIBIT 10.6

                            FIRST AMENDMENT TO SECOND
                      AMENDED AND RESTATED CREDIT AGREEMENT

         This FIRST AMENDMENT TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT
(this "First Amendment") is made and entered into as of the 12th day of July,
2002 by and among LIFE TIME FITNESS, Inc., a Minnesota corporation ("Borrower"),
Antares Capital Corporation, a Delaware corporation ("Antares"), as Agent for
the several financial institutions from time to time party to the Credit
Agreement as such term is hereinafter defined (collectively, the "Lenders" and
individually each a "Lender") and for itself as a Lender, BNP Paribas, a banking
association organized under the laws of France ("BNPP"), as a Lender and as
Documentation Agent, and JP Morgan Chase Bank, as trustee of the Antares Funding
Trust created under the Trust Agreement dated as of November 30, 1999 ("Chase"),
as a Lender.

                                   WITNESSETH:

         WHEREAS, Borrower, Antares, BNPP, and Chase are parties to that certain
Second Amended and Restated Credit Agreement dated as of July 19, 2001 (as
amended, restated, modified or supplemented and in effect from time to time, the
"Credit Agreement"; capitalized terms used herein and not otherwise defined
herein are used with the meanings given such terms in the Credit Agreement) and
Antares, BNP and Chase are the sole Lenders under the Credit Agreement as of the
date hereof; and

         WHEREAS, Borrower has requested that the credit facilities under the
Credit Agreement be increased to up to $40,000,000, and, subject to the terms
and conditions of this Amendment, Antares, BNPP and Chase are agreeable to such
request; and

         WHEREAS, to effect the foregoing, Borrower, Agent and the Lenders
desire to amend the Credit Agreement in certain respects as more fully set forth
herein;

         NOW THEREFORE, in consideration of the mutual conditions and agreements
set forth in the Credit Agreement and this First Amendment, and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto hereby agree as follows:

         1.       AMENDMENTS. Subject to the conditions set forth below, on the
First Amendment Effective Date:

         (A)      The Credit Agreement shall be amended as follows:

                  (i)      Section 1.1(c) shall be amended and restated in its
         entirety as follows:

                           (c)      Term Loans. As of the date of this First
                  Amendment, $10,000,000 in aggregate outstanding principal
                  amount of term loans have been funded by Antares, Chase and
                  BNPP to Borrower. On the First Amendment Effective Date, BNPP
                  and Antares shall each make an additional term loan to
                  Borrower

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                  in the amount of $2,500,000 (such new term loans, collectively
                  with the outstanding term loans, being herein referred to as
                  the "Term Loans"). The maturity date of all of the Term Loans
                  shall be the Revolving Termination Date, when the outstanding
                  principal balance of the Term Loans shall be due and payable
                  in full in a single installment. The outstanding principal
                  balance of the Terms Loans shall bear interest from time to
                  time in accordance with Sections 1.3 and 1.6 hereof.

                  (ii)     The definitions of Consolidated EBIDAT, Maximum
         Revolving Loan Balance and Revolving Termination Date shall each be
         amended and restated in its entirety as follows:

                           "Consolidated EBIDAT" means, for any period, for the
                  Borrower and its Subsidiaries on a consolidated basis,
                  determined in accordance with GAAP, the sum of (a)
                  Consolidated Net Income (Loss) for such period, plus (b) all
                  amounts deducted in determining such Consolidated Net Income
                  (Loss) for such period for depreciation or amortization, other
                  than depreciation and amortization for such period which are
                  attributable to Clubs which were sold or closed, plus (c)
                  interest expense deducted in determining such Consolidated Net
                  Income (Loss) for such period, plus (d) all accrued taxes on
                  or measured by income to the extent included in the
                  determination of such Consolidated Net Income (Loss) for such
                  period, plus (e) to the extent included in determining such
                  Consolidated Net Income (Loss) for such period, any
                  extraordinary losses and losses from discontinued operations,
                  plus (f) all other non-cash charges which reduced Consolidated
                  Net Income (Loss) for such period, other than any such
                  non-cash charges attributable to Clubs which were sold or
                  closed.

                           "Maximum Revolving Loan Balance" means the lesser of
                  (i) an amount equal to (B) Operating EBIDAT for the
                  twelve-month period ending on the last day of the preceding
                  calendar month multiplied by two and three quarters (2.75)
                  minus (B) the aggregate principal balance of all Senior Debt
                  (other than Revolving Loans and Letter of Credit Participation
                  Liability) then outstanding, or (ii) the Aggregate Revolving
                  Loan Commitment then in effect.

                           "Revolving Termination Date" means the earlier to
                  occur of (a) January 2, 2004, and (b) the date on which the
                  Aggregate Revolving Loan Commitment shall terminate in
                  accordance with the provisions of this Agreement.

                  (iii)    The following new definitions shall be added in their
         proper alphabetical places:

                           "First Amendment" means that certain First Amendment
                  to Second Amended and Restated Credit Agreement dated as of
                  July 12, 2002 by and among Borrower, Agent and the Lenders.

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                           "First Amendment Effective Date" means the date upon
                  which (a) the First Amendment is executed by each of Borrower,
                  Antares, BNPP and Chase, and (b) each of the conditions set
                  forth in Section 3 of the First Amendment has been satisfied.

         2.       REAFFIRMATION AND CONFIRMATION OF SECURITY INTEREST. The
Borrower hereby confirms to Antares and the Lenders that the Borrower has
granted to the Agent, for the benefit of the Agent and the Lenders, a security
interest in the Collateral to secure the Obligations of the Borrower to the
Agent and the Lenders. The Borrower hereby reaffirms its grant of such security
interest and lien to the Agent for such purpose in all respects and confirms
that the additional Term Loan contemplated by this First Amendment shall be
Obligations secured thereby.

         3.       CONDITIONS TO EFFECTIVENESS. This First Amendment Effective
Date shall occur upon completion of each of the following conditions to the
reasonable satisfaction of each of Antares, BNPP and Chase:

                  (a)      Execution and Delivery of First Amendment and
         Additional Term Notes. This First Amendment shall have been duly
         executed and delivered by Antares, BNPP, and Chase and the Borrower and
         the Borrower shall have executed and delivered to each of BNPP and
         Antares a Term Note evidencing the term loans to be made by such
         Lenders pursuant to this First Amendment;

                  (b)      Secretary's Certificates; Resolutions; Incumbency.
         The Borrower shall have delivered to Antares, BNPP and Chase a
         certificate of the Secretary or Assistant Secretary of the Borrower
         certifying:

                           (i)      the names, offices and true signatures of
                  the officers of the Borrower authorized to execute, deliver
                  and perform, as applicable, this First Amendment and the Term
                  Notes to be delivered to BNPP and Antares pursuant hereto and
                  any other instrument, document or agreement to be executed or
                  delivered by the Borrower hereunder; and

                           (ii)     copies of resolutions of the board of
                  directors of the Borrower approving and authorizing the
                  execution, delivery and performance by the Borrower of this
                  First Amendment and the Term Notes to be delivered to BNPP and
                  Antares pursuant hereto, and of each other instrument,
                  document or agreement to be executed or delivered by the
                  Borrower hereunder;

                  (c)      Payment of Fees. The Borrower shall have paid to
         Agent, for distribution to the Lenders in accordance with their
         agreement with respect thereto, a closing fee of $175,000.

                  (d)      Legal Opinions and Other Documents. Such opinions of
         counsel, amendments to the Collateral Documents and other instruments,
         documents and

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         agreements of the Borrower, as Antares or BNPP may reasonably request
         in connection with the transactions contemplated by this First
         Amendment; and

                  (e)      No Defaults. No Default or Event of Default shall
         have occurred and be continuing under the Credit Agreement or could be
         reasonably expected to arise by reason of the transactions contemplated
         hereby.

         4.       REPRESENTATIONS AND WARRANTIES. To induce Agent and Lenders to
enter into this First Amendment, Borrower represents and warrants to Agent and
Lenders that:

                  (a)      the execution, delivery and performance of this First
         Amendment and the Term Notes to be delivered to BNPP and Antares
         pursuant hereto have been duly authorized by all requisite corporate
         action on the part of Borrower and that this First Amendment has been,
         and such Term Notes will, when delivered, be duly executed and
         delivered by Borrower; and

                  (b)      each of the representations and warranties set forth
         in Article 3 of the Credit Agreement (other than those which, by their
         terms, specifically are made as of certain date prior to the date
         hereof) are true and correct in all material respects as of the date
         hereof and will be true and correct in all material respects on the
         First Amendment Effective Date after giving effect to the transactions
         contemplated hereby;

                  (c)      no approval, consent, exemption, authorization or
         other action by, or notice to, or filing with, any Governmental
         Authority or other Person is necessary or required in connection with
         the consummation by the Borrower of the transactions on its part
         contemplated by this First Amendment which has not been obtained or
         made prior to the date hereof; and

                  (d)      no Default or Event of Default exists as of the date
         of this First Amendment or will arise by reason of consummation of the
         transactions contemplated hereby.

         5.       CONSENT. The Borrower hereby requests that the Agent and the
Lenders confirm their consent (which has been verbally given) to the increase to
a principal amount of $4,000,000 and to the extension for an additional five (5)
years (to February 28, 2007) of the Indebtedness owed by the Borrower to U.S.
Bank in connection with the Borrower's Club located in Plymouth, Minnesota.
Borrower hereby confirms that such transaction has closed and the $627,578 of
proceeds therefrom was used to repay Revolving Loans (subject to Borrower's
rights to reborrow such amounts under the Credit Agreement on the terms and
conditions thereof). Borrower also confirms that such consent is effective only
in the specific instance set forth herein, and without prejudice to the rights
of Agent and the Lenders under the Credit Agreement and the other Loan
Documents. Agent and the Lenders hereby confirm that they have consented to such
actions by Borrower notwithstanding the provisions of Sections 5.1 and 5.5 of
the Credit Agreement.

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         6.       SEVERABILITY. Any provision of this First Amendment held by a
court of competent jurisdiction to be invalid or unenforceable shall not impair
or invalidate the remainder of this First Amendment and the effect thereof shall
be confined to the provision so held to be invalid or unenforceable.

         7.       REFERENCES. From and after the date of execution hereof by all
parties hereto, any reference to the Credit Agreement contained in any document,
instrument or agreement executed in connection with the Credit Agreement shall
be deemed to be a reference to the Credit Agreement as modified by this First
Amendment.

         8.       COUNTERPARTS. This First Amendment may be executed in one or
more counterparts, each of which shall constitute an original, but all of which
taken together shall be one and the same instrument.

         9.       RATIFICATION. The terms and provisions set forth in this First
Amendment shall modify and supersede all inconsistent terms and provisions of
the Credit Agreement and shall not be deemed to be a consent to the modification
or waiver of any other term or condition of the Credit Agreement. Except as
expressly modified and superseded by this First Amendment, the terms and
provisions of the Credit Agreement are ratified and confirmed and shall continue
in full force and effect.

         10.      CAPTIONS. Section captions and headings used in this First
Amendment are for convenience only and are not part of and shall not affect the
construction of this First Amendment.

         11.      GOVERNING LAW. This First Amendment shall be a contract made
under and governed by the laws of the State of Illinois, without regard to
conflict of laws principles. Whenever possible, each provision of this First
Amendment shall be interpreted in such a manner as to be effective and valid
under applicable law, but if any provision of this First Amendment shall be
prohibited by or invalid under such law, such provision shall be ineffective to
the extent of such prohibition or invalidity, without invalidating the remainder
of such provision or the remaining provisions of this First Amendment.

         12.      SUCCESSORS AND ASSIGNS. This First Amendment shall be binding
upon and inure to the benefit of the parties hereto and their respective
successors and assigns.

[Balance of page intentionally left blank; signature page follows.]

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         IN WITNESS WHEREOF, the parties hereto have caused this First Amendment
to Second Amended and Restated Credit Agreement to be duly executed under seal
and delivered by their respective duly authorized officers on the date first
written above.

                                    LIFE TIME FITNESS, INC.

                                    By:_____________________________________
                                    Name:___________________________________
                                    Title:__________________________________

                                    ANTARES CAPITAL CORPORATION as Agent and
                                    Lender

                                    By:_____________________________________
                                    Name:___________________________________
                                    Title:__________________________________

                                    BNP PARIBAS, as a Lender and as
                                    Documentation Agent

                                    By:_____________________________________
                                    Name:___________________________________
                                    Title:__________________________________

                                    JP MORGAN CHASE BANK, not individually but
                                    solely as trustee of the Antares Funding
                                    Trust created under the Trust Agreement
                                    dated as of November 30, 1999, as a Lender

                                    By:_____________________________________
                                    Name:___________________________________
                                    Title:__________________________________

                                       6<PAGE>

                                                                    EXHIBIT 10.7

                               SECOND AMENDMENT TO
                  SECOND AMENDED AND RESTATED CREDIT AGREEMENT

         This SECOND AMENDMENT TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT
(this "Amendment") is made and entered into as of the 29th day of August, 2003
by and among LIFE TIME FITNESS, Inc., a Minnesota corporation ("Borrower"),
Antares Capital Corporation, a Delaware corporation ("Antares"), in its capacity
as Agent for the Lenders party to the Credit Agreement described below and as a
Lender, JP Morgan Chase Bank, as trustee of the Antares Funding Trust created
under the Trust Agreement dated as of November 30, 1999 ("Chase"), as a Lender,
Mariner CDO 2002, Ltd. ("Mariner") as a Lender, Merrill Lynch Capital, a
division of Merrill Lynch Business Financial Services Inc. a Delaware
corporation, ("Merrill"), as a Lender and as Syndication Agent, and M&I Marshall
& Illsley Bank, a Wisconsin state bank ("M&I Bank"), as a Lender.

                                   WITNESSETH:

         WHEREAS, Borrower, Antares, Chase, Mariner, Merrill and M&I Bank are
all of the parties to a certain Second Amended and Restated Credit Agreement
dated as of July 19, 2001, as amended (the "Credit Agreement"); and

         WHEREAS, Borrower has requested that (i) the credit facilities under
the Credit Agreement be increased to up to $55,000,000, and (ii) the Revolving
Termination Date be extended to June 30, 2005, and, subject to the terms and
conditions of this Amendment, Antares, Chase, Mariner, Merrill and M&I Bank are
agreeable to such request;

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

         1.       DEFINITIONS. Capitalized terms used in this Amendment, unless
otherwise defined herein, shall have the meaning ascribed to such terms in the
Credit Agreement.

         2.       AMENDMENTS. Subject to the conditions set forth below, on the
Second Amendment Effective Date the Credit Agreement shall be amended as
follows:

                  (A)      Section 4.16 shall be amended and restated in its
         entirety as follows:

                           4.16     Rent Reserve. The Borrower shall establish
                  and maintain fully funded the Rent Reserve with respect to all
                  of the real Property of the TIAA Subsidiaries subject to the
                  TIAA Facilities and at each time that any real Property of the
                  Borrower or any of its Subsidiaries becomes subject to
                  financing provided by TIAA the Borrower shall cause the Rent
                  Reserve to be increased by an amount determined in accordance
                  with the definition of Rent Reserve.

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                  (B)      Clause (B) of Section 5.2(i) shall be amended and
         restated in its entirety as follows:

                           (B)      the Rent Reserve shall be concurrently
                           increased by an amount determined in accordance with
                           the definition of the term Rent Reserve.

                  (C)      The definitions of Aggregate Revolving Loan
         Commitment, Rent Reserve, Required Lenders and Revolving Termination
         Date shall be amended and restated in their respective entireties as
         follows:

                           "Aggregate Revolving Loan Commitment" means the
                  combined Revolving Loan Commitments of the Lenders, which
                  shall be in the amount of $25,000,000 prior to the Second
                  Amendment Effective Date and in the amount of $40,000,000 on
                  and after the Second Amendment Effective Date, as such amount
                  may be reduced from time to time pursuant to this Agreement.

                           "Rent Reserve" means a reserve account with the
                  Agent, held as additional Collateral securing the Obligations
                  pursuant to the Rent Reserve Account Agreement, and funded
                  with an amount equal to

                                    (a)      at all times when the Total
                           Leverage Ratio is 3.5 to 1.0 or greater, an amount
                           equal to five (5) months' of the required payments of
                           principal and interest and impositions applicable to
                           all outstanding TIAA Facilities, which amount shall
                           be subject to increase (or decrease) from time to
                           time upon increase (or decrease) of the TIAA
                           Facilities; and

                                    (b)      if the Total Leverage Ratio
                           (determined taking into account the reduced amount of
                           the Rent Reserve pursuant to this clause (b)) is less
                           than 3.5 to 1.0, an amount equal to four (4) months'
                           of the required payments of principal and interest
                           and impositions applicable to all outstanding TIAA
                           Facilities, which amount shall be subject to increase
                           (or decrease) from time to time upon increase (or
                           decrease) of the TIAA Facilities.

                           "Required Lenders" means at any time (a) Lenders then
                  holding at least sixty percent (60%) of the sum of the
                  Aggregate Revolving Loan Commitment then in effect plus that
                  aggregate outstanding principal balance of the Term Loans, or
                  (b) if the Revolving Loan Commitments have been terminated,
                  Lenders then having at least sixty percent (60%) of the
                  aggregate unpaid principal amount of Loans then outstanding.

                           "Revolving Termination Date" means the earlier to
                  occur of (a) June 30, 2005, and (b) the date on which the
                  Aggregate Revolving Loan Commitment shall terminate in
                  accordance with the provisions of this Agreement.

                                       2
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                  (D)      The following new definitions shall be added in their
         proper alphabetical places:

                           "Second Amendment" means that certain Second
                  Amendment to Second Amended and Restated Credit Agreement
                  dated as of August 29, 2003 by and among Borrower, Agent and
                  the Lenders.

                           "Second Amendment Effective Date" means the date upon
                  which (a) the Second Amendment is executed by each of
                  Borrower, Antares, Chase, Mariner, Merrill and M&I Bank, and
                  (b) each of the conditions set forth in Section 4 of the
                  Second Amendment has been satisfied.

                  (C)      Schedule 1.1 shall be amended and restated in its
         entirety in the form attached to this Amendment and Exhibit A.

         3.       REAFFIRMATION AND CONFIRMATION OF SECURITY INTEREST. The
Borrower hereby confirms to Antares and the Lenders that the Borrower has
granted to the Agent, for the benefit of the Agent and the Lenders, a security
interest in or lien upon substantially all of the property of the Borrower,
including, without limitation, the Collateral, to secure the Obligations of the
Borrower to the Agent and the Lenders. The Borrower hereby reaffirms its grant
of such security interest and lien to the Agent for such purpose in all respects
and confirms that the additional Loans contemplated by this Amendment shall be
Obligations secured thereby.

         4.       CONDITIONS TO EFFECTIVENESS. This Amendment shall become
effective and the Second Amendment Effective Date and the other matters
contemplated hereby shall each occur upon completion of each of the following
conditions to the reasonable satisfaction of Antares, Merrill and M&I Bank:

                  (a)      Execution and Delivery of This Amendment and M&I
         Revolving Note. This Amendment shall each have been duly executed by
         the Borrower, the Agent and each of the Lenders, and the Borrower shall
         have executed and delivered to M&I Bank a Revolving Note in form
         satisfactory to M&I Bank, reflecting the Revolving Loan Commitment of
         such Lender as increased by this Amendment.

                  (b)      Secretary's Certificates; Resolutions; Incumbency.
         The Borrower shall have delivered to Agent and the Lenders a
         certificate of the Secretary or Assistant Secretary of the Borrower
         certifying:

                           (i)      the names, offices and true signatures of
                  the officers of the Borrower authorized to execute, deliver
                  and perform, as applicable, this Amendment and the Revolving
                  Note referred to in clause (a) preceding (the "M&I Revolving
                  Notes") and any other instrument, document or agreement to be
                  executed or delivered by the Borrower hereunder; and

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                           (ii)     copies of resolutions of the board of
                  directors of the Borrower approving and authorizing the
                  Borrower's incurring of additional indebtedness under the
                  Credit Agreement as amended by this Amendment and the
                  execution, delivery and performance by the Borrower of this
                  Amendment and the M&I Revolving Note and each other
                  instrument, document or agreement to be executed or delivered
                  by the Borrower hereunder.

                  (c)      Payment of Fees. The Borrower shall have paid to
         Agent, for distribution to the Lenders in accordance with their
         agreement with respect thereto, any closing fee required by such
         agreement.

                  (d)      Legal Opinions and Other Documents. The Borrower
         shall have delivered such opinions of counsel, and other instruments,
         documents and agreements of the Borrower, as Antares, Merrill or M&I
         Bank may reasonably request in connection with the transactions
         contemplated by this Amendment.

                  (e)      No Defaults. No Default or Event of Default shall
         have occurred and be continuing under the Credit Agreement or could be
         reasonably expected to arise by reason of the transactions contemplated
         hereby.

         5.       REPRESENTATIONS AND WARRANTIES; COVENANT. To induce Agent and
Lenders to enter into this Amendment, Borrower represents and warrants to Agent
and Lenders that (a) the execution, delivery and performance of this Amendment
and each of the M&I Revolving Note have been duly authorized by all requisite
corporate action on the part of Borrower and that this Amendment, and the M&I
Revolving Note have each been duly executed and delivered by Borrower, and (b)
each of the representations and warranties set forth in Article 3 of the Credit
Agreement (other than those which, by their terms, specifically are made as of
certain date prior to the date hereof) are true and correct in all material
respects as of the date hereof.

         6.       SEVERABILITY. Any provision of this Amendment held by a court
of competent jurisdiction to be invalid or unenforceable shall not impair or
invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

         7.       REFERENCES. From and after the Second Amendment Effective
Date, any reference to the Credit Agreement contained in any document,
instrument or agreement executed in connection with the Credit Agreement shall
be deemed to be a reference to the Credit Agreement as modified by this
Amendment.

         8.       COUNTERPARTS. This Amendment may be executed in one or more
counterparts, each of which shall constitute an original, but all of which taken
together shall be one and the same instrument. It shall not be necessary in
making proof of this Amendment to produce or account for more than one such
counterpart for each of the parties hereto. Delivery by facsimile by any of the
parties hereto of an executed counterpart of this

                                       4
<PAGE>

Amendment shall be effective as an original executed counterpart hereof and
shall be deemed a representation that an original executed counterpart hereof
will be delivered.

         9.       RATIFICATION. The terms and provisions set forth in this
Amendment shall modify and supersede all inconsistent terms and provisions of
the Credit Agreement and shall not be deemed to be a consent to the modification
or waiver of any other term or condition of the Credit Agreement. Except as
expressly modified and superseded by this Amendment, the terms and provisions of
the Credit Agreement are ratified and confirmed and shall continue in full force
and effect.

         11.      CAPTIONS. Section captions and headings used in this Amendment
are for convenience only and are not part of and shall not affect the
construction of this Amendment.

         12.      GOVERNING LAW. This Amendment shall be a contract made under
and governed by the laws of the State of Illinois, without regard to conflict of
laws principles. Whenever possible, each provision of this Amendment shall be
interpreted in such a manner as to be effective and valid under applicable law,
but if any provision of this Amendment shall be prohibited by or invalid under
such law, such provision shall be ineffective to the extent of such prohibition
or invalidity, without invalidating the remainder of such provision or the
remaining provisions of this Amendment.

         13.      SUCCESSORS AND ASSIGNS. This Amendment shall be binding upon
and inure to the benefit of the parties hereto and their respective successors
and assigns.

[Balance of page intentionally left blank; signature page follows.]

                                       5
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Second
Amendment to Second Amended and Restated Credit Agreement be duly executed under
seal and delivered by their respective duly authorized officers on the date
first written above.

                                    LIFE TIME FITNESS, INC.

                                    By: ____________________________________
                                    Name: __________________________________
                                    Title: _________________________________

                                    ANTARES CAPITAL CORPORATION
                                    as Agent and Lender

                                    By: ____________________________________
                                    Name: __________________________________
                                    Title: _________________________________

                                    JP MORGAN CHASE BANK, not individually but
                                    solely as trustee of the Antares Funding
                                    Trust created under the Trust Agreement
                                    dated as of November 30, 1999

                                    By: ____________________________________
                                    Name: __________________________________
                                    Title: _________________________________

                                    MARINER CDO 2002, LTD.

                                    By: ____________________________________
                                    Name: __________________________________

                                       6
<PAGE>

                                    MERRILL LYNCH CAPITAL, a Division of Merrill
                                    Lynch Business Financial Services Inc.

                                    By: ____________________________________
                                    Name: __________________________________
                                    Title: _________________________________

                                    M&I MARSHALL & ILLSLEY BANK

                                    By: ____________________________________
                                    Name: __________________________________
                                    Title: _________________________________

                                       7
<PAGE>

                                    EXHIBIT A

                                 SCHEDULE 1.1(a)

                           Revolving Loan Commitments

<TABLE>
<S>                                                          <C>
Antares Capital Corporation                                  $12,500,000

Merrill Lynch Capital                                        $12,500,000

M&I Marshall & Illsley Bank                                  $15,000,000
</TABLE>

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