Document:

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                                                                   EXHIBIT 10.21

                                                                  EXECUTION COPY

                                 FIFTH AMENDMENT

          FIFTH AMENDMENT, dated as of April 30, 2002 (this "AMENDMENT"), to the
Credit Agreement, dated as of November 19, 1999 (as amended, supplemented or
otherwise modified from time to time, the "CREDIT AGREEMENT"), among NORTH
AMERICAN VAN LINES, INC., a Delaware corporation (the "PARENT BORROWER"), the
Foreign Subsidiary Borrowers (as defined in the Credit Agreement) from time to
time parties to the Credit Agreement, the several banks and other financial
institutions from time to time parties to the Credit Agreement (the "LENDERS"),
THE BANK OF NEW YORK, as documentation agent, BANC OF AMERICA SECURITIES LLC, as
syndication agent, and JPMORGAN CHASE BANK (formerly known as The Chase
Manhattan Bank), a New York banking corporation, as collateral agent and
administrative agent for the Lenders (in such capacity, the "ADMINISTRATIVE
AGENT"); and THIRD AMENDMENT to the Guarantee and Collateral Agreement (as
defined in the Credit Agreement).

                              W I T N E S S E T H :

          WHEREAS, the Parent Borrower and certain of the Parent Borrower's
wholly owned subsidiaries propose to acquire (the "CRS ACQUISITION")
substantially all of the assets of Cooperative Resource Services, Ltd. ("CRS")
relating to the business of providing comprehensive relocation services,
including the voting securities of certain of CRS's subsidiaries (collectively
with CRS, the "TARGET") for approximately $65,000,000 (including fees and
expenses of approximately $5,000,000, and excluding the pay-off of approximately
$24,000,000 of indebtedness of the Target pursuant to the terms of the
Acquisition Agreement, dated as of March 19, 2002 (as amended, supplemented or
otherwise modified from time to time, the "ACQUISITION AGREEMENT"), among SIRVA,
Inc., a Delaware corporation and the holding company parent of the Parent
Borrower ("HOLDING"), SIRVA Acquisition Company, LLC, a Delaware limited
liability company ("CRS Holding"), the Target and certain other parties;

          WHEREAS, in order to finance a portion of the purchase price of the
CRS Acquisition, the Parent Borrower has requested that the Administrative Agent
and the Lenders agree to amend the Credit Agreement in order to provide for an
incremental increase of $50,000,000 in the Parent Borrower's existing Tranche B
Term Loan facility (the "INCREMENTAL TRANCHE B TERM LOAN FACILITY"; the loans
thereunder, the "INCREMENTAL TRANCHE B TERM LOANS");

          WHEREAS, pursuant to the Credit Agreement, the Lenders have agreed to
make, and have made, certain loans and other extensions of credit to the Parent
Borrower; and

          WHEREAS, the Parent Borrower has requested that the Lenders agree to
amend certain provisions of the Credit Agreement and the Guarantee and
Collateral Agreement, upon the terms and conditions contained herein;

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

          SECTION 1.  DEFINED TERMS. Unless otherwise defined herein, terms
defined in the Credit Agreement and used herein shall have the meanings given to
them in the Credit Agreement.

          SECTION 2.  AMENDMENTS TO SUBSECTION 1.1 (DEFINED TERMS). (a) The
definitions of "Arrangers" and "Tranche B Term Loan" in subsection 1.1 of the
Credit Agreement are hereby amended in their respective entireties to read as
follows:

               "ARRANGERS": JPMorgan and BAS in their respective capacities as
          arrangers and as joint financial advisors.

               "TRANCHE B TERM LOAN": an Original Tranche B Term Loan or an
          Incremental Tranche B Term Loan, as the context shall require;
          collectively, the "TRANCHE B TERM LOANS".

          (b)  The definition of "Indebtedness" in subsection 1.1 of the Credit
Agreement is hereby amended by inserting at the end thereof the following new
sentence:

          Notwithstanding the foregoing, in no event shall "Indebtedness"
          include (i) obligations of CRS Holding or any of its Subsidiaries to
          make payments under or with respect to mortgage notes payable in the
          ordinary course of business in connection with the provision of
          relocation services or (ii) such mortgage notes; PROVIDED that the
          aggregate principal amount of all such mortgage notes referred to in
          the foregoing clauses (i) and (ii) does not exceed $40,000,000 at any
          time outstanding.

          (c)  Subsection 1.1 of the Credit Agreement is hereby amended by
inserting the following new definitions in the appropriate alphabetical order:

               "CD&R FUND VI": Clayton, Dubilier & Rice Fund VI Limited
          Partnership, a Cayman Islands exempted limited partnership managed by
          CD&R.

               "CMS": Cooperative Mortgage Services, Inc., an Ohio corporation.

               "CMS HOLDING": CMS Holding, LLC, a Delaware limited liability
          company.

               "CRS": Cooperative Resource Services Ltd., an Ohio limited
          liability company.

               "CRS ACQUISITION": the acquisition by CRS Holding and/or its
          Wholly Owned Subsidiaries of substantially all of the assets of CRS
          relating to the business of providing comprehensive relocation
          services, including the voting securities of certain of CRS's
          Subsidiaries.

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               "CRS HOLDING": SIRVA Acquisition Company, LLC, a Delaware
          limited liability company and Wholly Owned Subsidiary of the Parent
          Borrower.

               "EBITDA": for any period, Consolidated Net Income for such period
          adjusted to exclude the following items (without duplication) of
          income or expense to the extent that such items are included in the
          calculation of Consolidated Net Income: (a) Consolidated Interest
          Expense, (b) any non-cash expenses and charges (excluding any such
          charge that constitutes an accrual of or a reserve for cash charges
          for any future period), (c) total income tax expense, (d) depreciation
          expense, (e) the expense associated with amortization of intangible
          and other assets (including amortization or other expense recognition
          of any costs associated with asset write-ups in accordance with APB
          Nos. 16 and 17), (f) non-cash provisions for reserves for discontinued
          operations, (g) any extraordinary, unusual or non-recurring gains or
          losses or charges or credits, (h) any gain or loss associated with the
          sale or write-down of assets not in the ordinary course of business,
          (i) any income or loss accounted for by the equity method of
          accounting (except in the case of income to the extent of the amount
          of cash dividends or cash distributions paid to the Parent Borrower or
          any Subsidiary by the entity accounted for by the equity method of
          accounting), (j) up to the Available Adjustment in respect of any cash
          expenses for (i) the development and implementation of an e-commerce
          strategy and (ii) the development and implementation of new
          information technology and (k) for any period ending on or prior to
          December 31, 2002, any losses incurred by Moveline for such period and
          any costs incurred for such period in connection with the Moveline
          strategic initiatives identified by the Parent Borrower, PROVIDED that
          the amounts referred to in this clause (k) shall not exceed
          $25,000,000 in the aggregate. For the purposes of calculating EBITDA
          for any period of four consecutive fiscal quarters (each, a "REFERENCE
          PERIOD") pursuant to any determination of the Leverage Ratio, (x) if
          at any time during such Reference Period the Parent Borrower or any of
          its Subsidiaries shall have made any Material Disposition, the EBITDA
          for such Reference Period shall be reduced by an amount equal to the
          EBITDA (if positive) attributable to the property that is the subject
          of such Material Disposition for such Reference Period or increased by
          an amount equal to the EBITDA (if negative) attributable thereto for
          such Reference Period any (y) if during such Reference Period the
          Parent Borrower or any of its Subsidiaries shall have made a Material
          Acquisition, EBITDA for such Reference Period shall be calculated
          after giving PRO FORMA effect thereto as if such Material Acquisition
          occurred on the first day of such Reference Period. As used in this
          definition, "Material Acquisition" means any acquisition of property
          or series of related acquisitions of property that (A) constitutes
          assets comprising all or substantially all of an operating unit of a
          business or constitutes all or substantially all of the common stock
          of a Person and (B) involves the payment of consideration by the
          Parent Borrower and its Subsidiaries in excess of $1,000,000; and
          "Material Disposition" means any Disposition of property or series of
          related Dispositions of property that yields gross proceeds to the
          Parent Borrower or any of its Subsidiaries in excess of $1,000,000.

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               "INCREMENTAL TRANCHE B EFFECTIVE DATE": the Effective Date as
          defined in the Fifth Amendment dated as of April 30, 2002 to this
          Agreement.

               "INCREMENTAL TRANCHE B TERM LOAN": as defined in subsection
          2.6(c).

               "JPMORGAN": J.P. Morgan Securities Inc.

               "ORIGINAL TRANCHE B TERM LOAN": as defined in subsection 2.6(b).

          SECTION 3.  AMENDMENT TO SUBSECTION 2.6 (TERM LOANS). The first
sentence of subsection 2.6 of the Credit Agreement is hereby amended in its
entirety to read as follows:

          Subject to the terms and conditions hereof, each Term Loan Lender (a)
          made a term loan (a "TRANCHE A TERM LOAN") to the Parent Borrower on
          the Effective Date in an aggregate principal amount set forth
          opposite such Term Loan Lender's name in Schedule I under the heading
          "Tranche A Term Loan Commitment", (b) made a term loan (an "ORIGINAL
          TRANCHE B TERM LOAN") to the Parent Borrower on the Effective Date in
          an aggregate principal amount set forth opposite such Term Loan
          Lender's name in Schedule I under the heading "Tranche B Term Loan
          Commitment" and (c) severally agrees to make a term loan (an
          "INCREMENTAL TRANCHE B TERM LOAN") to the Parent Borrower on the
          Incremental Tranche B Effective Date in an aggregate principal amount
          set forth opposite such Term Loan Lender's name in Schedule A-1 under
          the heading "Incremental Tranche B Term Loan Commitment".

          SECTION 4.  AMENDMENT TO SUBSECTION 2.8 (TRANCHE B TERM NOTES).
Subsection 2.8 of the Credit Agreement is hereby amended in its entirety to read
as follows:

               2.8 TRANCHE B TERM NOTES. (a) The Parent Borrower agrees that,
          upon the request to the Administrative Agent by any Tranche B Term
          Loan Lender made on or prior to the Effective Date (or, in the case of
          any Incremental Tranche B Term Loan, on or prior to the Incremental
          Tranche B Effective Date) or in connection with any assignment of its
          Loan, in order to evidence such Term Loan Lender's Tranche B Term
          Loan, the Parent Borrower will execute and deliver to such Term Loan
          Lender one or more promissory notes substantially in the form of
          Exhibit A-3 (each, as amended, supplemented, replaced or otherwise
          modified from time to time, a "TRANCHE B TERM NOTE"), with appropriate
          insertions therein as to payee, date and principal amount, payable to
          the order of such Term Loan Lender and in an aggregate principal
          amount equal to the lesser of (i) the sum of (A) the amount set forth
          opposite such Term Loan Lender's name on Schedule I under the heading
          "Tranche B Term Loan Commitment" plus (B) the amount set forth
          opposite such Term Loan Lender's name on Schedule A-1 under the
          heading "Incremental Tranche B Term Loan Commitment" and (ii) the
          unpaid principal amount of the Tranche B Term Loans made by such Term
          Loan Lender. Each Tranche B Term Note shall (x) be dated the Effective
          Date (or, in the case of any Incremental Tranche B Term Loan, the
          Incremental Tranche B Effective Date),

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          (y) be payable as provided in subsection 2.8(b) and (z) provide for
          the payment of interest in accordance with subsection 4.1.

               (b) The aggregate Tranche B Term Loans of all the Term Loan
          Lenders shall be payable in 20 consecutive installments on the dates
          and in a principal amount equal to the amount set forth below
          (together with all accrued interest thereon) opposite the applicable
          installment date (or, if less, the aggregate amount of the Tranche B
          Term Loans then outstanding):

<Table>
<Caption>
                       Dates                       Amount
                       -----                       ------
                 <S>                         <C>
                 March 28, 2003              $     540,945.99
                 June 27, 2003               $     540,945.99
                 September 26, 2003          $     540,945.99
                 December 26, 2003           $     540,945.99
                 March 26, 2004              $     540,945.99
                 June 25, 2004               $     540,945.99
                 September 24, 2004          $     540,945.99
                 December 24, 2004           $     540,945.99
                 March 25, 2005              $     540,945.99
                 June 24, 2005               $     540,945.99
                 September 23, 2005          $     540,945.99
                 December 30, 2005           $     540,945.99
                 March 31, 2006              $  19,937,723.60
                 June 30, 2006               $  19,937,723.60
                 September 29, 2006          $  19,937,723.60
                 December 29, 2006           $  19,937,723.60
                 March 30, 2007              $  30,911,199.38
                 June 29, 2007               $  30,911,199.38
                 September 28, 2007          $  30,911,199.38
                 Final Maturity Date         $  30,911,199.38
</Table>

          SECTION 5.  AMENDMENT TO SUBSECTION 2.9 (PROCEDURE FOR TERM LOAN
BORROWING). Subsection 2.9 of the Credit Agreement is hereby amended in its
entirety to read as follows:

               2.9 PROCEDURE FOR TERM LOAN BORROWING. The Parent Borrower shall
          give the Administrative Agent irrevocable notice (which notice must be
          received by the Administrative Agent prior to (a) 12:30 P.M., New York
          City time, at least three Business Days prior to the Effective Date
          (or, in the case of Incremental Tranche B Term Loans, the Incremental
          Tranche B Effective Date), if all or any part of the Term Loans are to
          be initially Eurocurrency Loans made in Dollars, (b) 11:00 A.M.,
          London time, at least three Business Days prior to the Effective Date,
          if any part of the Tranche A Term Loans are to be initially
          Eurocurrency Loans made in any Designated Foreign Currency or (c)
          12:30 P.M., New York City time, at least one Business Day prior to the
          Effective Date (or the Incremental Tranche B Effective Date, as the
          case may be), otherwise) requesting that the Term Loan Lenders make
          the Term Loans on the Effective Date (or the

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          Incremental Tranche B Effective Date, as the case may be) and
          specifying (i) the amount to be borrowed, (ii) whether the Term Loans
          are to be initially Eurocurrency Loans, ABR Loans or a combination
          thereof, and (iii) if the Term Loans are to be entirely or partly
          Eurocurrency Loans, the respective amounts of each such Type of Loan
          and the respective lengths of the initial Interest Periods therefor
          and, if the Eurocurrency Loans in respect of any part of the borrowing
          of Tranche A Term Loans are to be made entirely or partly in any
          Designated Foreign Currency, the Designated Foreign Currency thereof.
          Upon receipt of such notice the Administrative Agent shall promptly
          notify each Term Loan Lender thereof. Each Term Loan Lender will make
          the amount of its PRO RATA share of the Term Loans available to the
          Administrative Agent for the account of the Parent Borrower at the
          office of the Administrative Agent specified in subsection 11.2 prior
          to 10.00 A.M., New York City time, or at such other office of the
          Administrative Agent or at such other time as to which the
          Administrative Agent shall notify such Term Loan Lender and the Parent
          Borrower reasonably in advance of the Effective Date (or the
          Incremental Tranche B Effective Date, as the case may be) with respect
          thereto, on the Effective Date (or the Incremental Tranche B Effective
          Date, as the case may be) in Dollars or the applicable Designated
          Foreign Currency and in funds immediately available to the
          Administrative Agent. The Administrative Agent shall on such date
          credit the account of the Parent Borrower on the books of such office
          of the Administrative Agent with the aggregate of the amounts made
          available to the Administrative Agent by the Term Loan Lenders and in
          like funds as received by the Administrative Agent.

          SECTION 6.  AMENDMENT TO SUBSECTION 4.10 (REQUIREMENTS OF LAW).
Subsection 4.10 of the Credit Agreement is hereby amended by adding the phrase
", or with respect to the Incremental Tranche B Term Loans, the Incremental
Tranche B Effective Date" immediately before the phrase "(or, if later, the
date on which such Lender becomes a Lender)" in each place the latter phrase
appears.

          SECTION 7.  AMENDMENT TO SUBSECTION 4.11(b) (TAXES). Subsection 4.11
(b) is hereby amended by adding the phrase "(or, if later, with respect to the
Incremental Tranche B Term Loans, the Incremental Tranche B Effective Date)"
immediately after the phrase "after the date such Person becomes a Lender
hereunder".

          SECTION 8.  AMENDMENTS TO SUBSECTION 5.17 (PURPOSE OF LOANS). (a)
Subsection 5.17 of the Credit Agreement is hereby amended by adding the phrase
"(other than the Incremental Tranche B Term Loans)" immediately after the phrase
"The proceeds of the Term Loans".

          (b)  Subsection 5.17 of the Credit Agreement is hereby further amended
by adding the following sentence to the end thereof:

          The proceeds of the Incremental Tranche B Term Loans shall be used by
          the Borrower to finance a portion of the purchase price of the CRS
          Acquisition, to pay certain transaction fees and expenses related to
          the CRS Acquisition (such

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          transaction fees and expenses not to exceed $5,500,000) and for
          general corporate purposes of the Parent Borrower and its
          Subsidiaries.

          SECTION 9.  AMENDMENT TO SUBSECTION 7.4 (CONDUCT OF BUSINESS AND
MAINTENANCE OF EXISTENCE). Subsection 7.4 of the Credit Agreement is hereby
amended by adding the phrase ", or business of the same general type as
conducted by CRS and its Subsidiaries on the Incremental Tranche B Effective
Date" immediately after the phrase "on the Effective Date".

          SECTION 10. AMENDMENT TO SUBSECTION 7.9(a) (AFTER-ACQUIRED REAL
PROPERTY AND FIXTURES). Subsection 7.9(a) of the Credit Agreement is hereby
amended by adding the following language at the end of the first sentence
thereof:

          ; and PROVIDED FURTHER that nothing in this paragraph (a) shall
          require the grant of a Lien of record in respect of any owned
          residential real property, fixtures, or related assets acquired by CRS
          Holding or any of its Subsidiaries in the ordinary course of business
          in connection with the provision of relocation services.

          SECTION 11. AMENDMENT TO SUBSECTION 7.10 (ACQUIRED SUBSIDIARIES;
FURTHER SECURITY AND GUARANTEES). Each of subsection 7.10(a) and subsection
7.10(b) is hereby amended by adding the following language at the end of the
first sentence thereof:

          ; PROVIDED that nothing in this paragraph shall require the execution
          of any documents or the taking of any actions to grant a Lien of
          record in respect of any owned residential real property, fixtures, or
          related assets acquired by CRS Holding or any of its Subsidiaries in
          the ordinary course of business in connection with the provision of
          relocation services.

          SECTION 12. AMENDMENT TO SUBSECTION 8.1(b) (FINANCIAL CONDITION
COVENANTS). Subsection 8.1(b) of the Credit Agreement is hereby amended in its
entirety to read as follows:

               (b) MAINTENANCE OF LEVERAGE RATIO. Permit, at the last day of any
          fiscal quarter ending during any test period set forth below, the
          Leverage Ratio to be greater than the ratio set forth opposite such
          test period below:

<Table>
<Caption>
                     Test Period                                  Ratio
                     -----------                                  -----
          <S>                                                  <C>
          December 29, 2001 - March 29, 2002                   4.60 to 1.00
          March 30, 2002 - June 28, 2002                       4.60 to 1.00
          June 29, 2002 - September 27, 2002                   4.60 to 1.00
          September 28, 2002 - December 27, 2002               4.35 to 1.00
          December 28, 2002 - March 28, 2003                   4.35 to 1.00
          March 29, 2003 - June 27, 2003                       4.60 to 1.00
          June 28, 2003 - September 26, 2003                   4.60 to 1.00
          September 27, 2003 - December 26, 2003               3.85 to 1.00
          December 27, 2003 - March 26, 2004                   3.85 to 1.00
          March 27, 2004 - June 25, 2004                       3.95 to 1.00
</Table>

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<Table>
          <S>                                                  <C>
          June 26, 2004 - September 24, 2004                   3.95 to 1.00
          September 25, 2004 - December 31, 2004               3.35 to 1.00
          January 1, 2005 and thereafter                       3.00 to 1.00
</Table>

          PROVIDED that in the event that the Parent Borrower changes its fiscal
          year end to the last day of December, each of the foregoing test
          periods occurring after such change shall be deemed to commence on the
          first day of January, April, July or October, as applicable, and end
          on the last day of March, June, September or December, as applicable
          (e.g., the test period from December 29, 2001 through March 29, 2002
          would become the period from January 1, 2002 through March 31, 2002).

          SECTION 13. AMENDMENT TO SUBSECTION 8.2 (LIMITATION ON INDEBTEDNESS).
Subsection 8.2 of the Credit Agreement is hereby amended by (a) deleting the
word "and" at the end of paragraph (p) thereof, (b) deleting the "." at the end
of paragraph (q) thereof and substituting ";" in lieu thereof and (c) inserting
the following new paragraphs (r) and (s) immediately after paragraph (q)
thereof:

               (r) Indebtedness of the Parent Borrower, or of a Subsidiary of
          the Parent Borrower that is a Guarantor, in respect of subordinated
          seller notes in a principal amount not exceeding $15,000,000 in the
          aggregate at any time outstanding, issued to pay a portion of the
          purchase price of the CRS Acquisition and having subordination and
          other terms reasonably satisfactory to the Administrative Agent; and

               (s) Indebtedness of CRS Holding or any of its Subsidiaries
          incurred in connection with financing the acquisition of residential
          real property, fixtures or related assets by CRS Holding or any of its
          Subsidiaries in the ordinary course of business in connection with the
          provision of relocation services, not exceeding $20,000,000 in
          aggregate principal amount at any time outstanding.

          SECTION 14. AMENDMENT TO SUBSECTION 8.3 (LIMITATION ON LIENS).
Subsection 8.3 of the Credit Agreement is hereby amended by (a) deleting the
word "and" at the end of paragraph (r) thereof, (b) deleting the "." at the end
of paragraph (s) thereof and substituting "; and" in lieu thereof and (c)
inserting the following new paragraph (t) immediately after paragraph (s)
thereof;

               (t) Liens on residential real property, fixtures and related
          assets acquired as contemplated by Section 8.2(s), securing
          Indebtedness permitted by Section 8.2(s).

          SECTION 15. AMENDMENT TO SUBSECTION 8.9 (LIMITATION ON INVESTMENTS,
LOANS AND ADVANCES). Subsection 8.9 of the Credit Agreement is hereby amended by
(a) deleting the word "and" at the end of paragraph (s) thereof, (b) deleting
the "." at the end of paragraph (t) thereof and substituting "; and" in lieu
thereof and (c) inserting the following new paragraph (u) immediately after
paragraph (t) thereof:

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               (u) loans and advances made by CRS Holding or any of its
          Subsidiaries for the purpose of financing a portion of the purchase
          price for the acquisition of residential real estate, fixtures or
          related assets, PROVIDED that such loans and advances are made by CRS
          Holding or such Subsidiaries in the ordinary course of business in
          connection with the provision of relocation services.

          SECTION 16. AMENDMENTS TO SUBSECTION 8.10 (LIMITATIONS ON CERTAIN
ACQUISITIONS). (a) Subsections 8.10(b) and 8.10(c)(ii) of the Credit Agreement
are hereby amended by (i) deleting therefrom the words "Effective Date" and
substituting in lieu thereof the words "Incremental Tranche B Effective Date" in
each instance and (ii) adding to the end of each such subsection the phrase ";
PROVIDED that any portion of the cash consideration for any such acquisition
funded with the proceeds of any new equity contributed by CD&R Fund VI and/or
investors arranged by CD&R shall not be included in the calculation of aggregate
consideration hereunder".

          (b)  Subsection 8.10 of the Credit Agreement is hereby amended by (i)
deleting the word "or" at the end of paragraph (d) thereof, (ii) deleting the
"." at the end of paragraph (e) thereof and substituting ";" in lieu thereof and
(iii) inserting the following new paragraphs (f), (g) and (h) immediately after
paragraph (e) thereof:

               (f) such acquisition is the CRS Acquisition, PROVIDED that (i)
          the aggregate consideration (including cash, contingent earn-out
          payments to the existing shareholders of CRS and any Indebtedness
          assumed by the Parent Borrower or any of its Subsidiaries in
          connection with such acquisition, but excluding any Indebtedness of
          CRS and its Subsidiaries repaid in connection therewith) does not
          exceed $65,500,000, (ii) the aggregate amount of Indebtedness of CRS
          and its Subsidiaries repaid in connection with such acquisition does
          not exceed $24,000,000, (iii) a portion of the purchase price for such
          acquisition shall be funded with not less than $36,500,000 of proceeds
          of equity contributions to Holding from CD&R Fund VI and/or investors
          arranged by CD&R (which proceeds shall have been contributed by
          Holding to the Parent Borrower as an equity contribution) and (iv) no
          Indebtedness shall be issued as part of the consideration for such
          acquisition other than the Indebtedness permitted by subsection
          8.2(r);

               (g) such acquisition was expressly permitted by clause (b) of
          subsection 8.10 as in effect immediately prior to the Incremental
          Tranche B Effective Date and was consummated prior to such date; or

               (h) such acquisition was expressly permitted by clause (c) of
          subsection 8.10 as in effect immediately prior to the Incremental
          Tranche B Effective Date and was consummated prior to such date;

          SECTION 17. AMENDMENT TO SUBSECTION 8.16(a) (LIMITATION ON LINES OF
BUSINESS; CREATION OF SUBSIDIARIES). Subsection 8.16(a) is hereby amended by
inserting therein the phrase "or those in which CRS and its Subsidiaries are
engaged on the Incremental Tranche B Effective Date," immediately prior to the
phrase "or which are related thereto".

                                        9
<Page>

          SECTION 18. AMENDMENT OF SUBSECTION 11.6 (SUCCESSORS AND ASSIGNS;
PARTICIPATIONS AND ASSIGNMENTS). Subsection 11.6(e) of the Credit Agreement is
hereby amended in its entirety as follows:

               (e) Notwithstanding anything in this Agreement to the contrary,
          no assignment under subsection 11.6(c) of any rights or obligations
          under or in respect of the Loans or the Notes evidencing such Loans
          shall be effective unless and until the Administrative Agent shall
          have recorded the assignment pursuant to subsection 11.6(d). Upon its
          receipt of an Assignment and Acceptance executed by an assigning
          Lender and an Assignee (and, in the case of an Assignee that is not
          then a Lender or an affiliate thereof, by the Administrative Agent and
          the Parent Borrower), together with payment to the Administrative
          Agent of a registration and processing fee of $3,500 (which fee need
          not be paid in the case of any assignment to an affiliate of the
          assigning Lender or to an Approved Fund; and provided that in the case
          of contemporaneous assignments by a Lender to more than one fund
          managed by the same investment advisor (which funds are not then
          Lenders hereunder, affiliates thereof or Approved Funds), only a
          single fee of $3,500 shall be payable for all such contemporaneous
          assignments), the Administrative Agent shall (i) promptly accept such
          Assignment and Acceptance and (ii) on the effective date determined
          pursuant thereto record the information contained therein in the
          Register and give prompt notice of such acceptance and recordation to
          the Lenders and the Parent Borrower. On or prior to such effective
          date, the assigning Lender shall surrender any outstanding Notes held
          by it all or a portion of which are being assigned, and the Parent
          Borrower, at its own expense, shall, upon the request to the
          Administrative Agent by the assigning Lender or the Assignee, as
          applicable, execute and deliver (and cause the applicable Foreign
          Subsidiary Borrowers to execute and deliver) to the Administrative
          Agent (in exchange for the outstanding Notes of the assigning Lender)
          a new Revolving Credit Note, a Tranche A Term Note, one or more
          Tranche B Term Notes and/or a Swing Line Note, as the case may be, to
          the order of such Assignee in an amount equal to (i) in the case of a
          Revolving Credit Note, the lesser of (A) the amount of such Assignee's
          Revolving Credit Commitment and (B) the aggregate principal amount of
          all Revolving Credit Loans made by such Assignee, (ii) in the case of
          a Tranche A Term Note, the amount of such Assignee's Tranche A Term
          Loan, (iii) in the case of any Tranche B Term Notes, the amount of
          such Assignee's Tranche B Term Loans and (iv) in the case of a Swing
          Line Note, the lesser of (A) the Swing Line Commitment and (B) the
          aggregate principal amount of all Swing Line Loans made by such
          Assignee, in each case with respect to the relevant Loan, Swing Line
          Commitment, or Revolving Credit Commitment after giving effect to such
          Assignment and Acceptance and, if the assigning Lender has retained a
          Swing Line Commitment, Revolving Credit Commitment or Term Loan
          hereunder, a new Revolving Credit Note, a new Tranche A Term Note, one
          or more new Tranche B Term Notes and/or a new Swing Line Note, as the
          case may be, to the order of the assigning Lender in an amount equal
          to (i) in the case of a Revolving Credit Note, the lesser of (A) the
          amount of such Lender's Revolving Credit Commitment and (B) the
          aggregate principal amount of all Revolving Credit Loans made by such
          Lender, (ii) in the case of a Tranche A

                                       10
<Page>

          Term Note, the amount of such Lender's Tranche A Term Loan, (iii) in
          the case of any Tranche B Term Notes, the amount of such Lender's
          Tranche B Term Loans and (iv) in the case of a Swing Line Note, the
          lesser of (A) the Swing Line Commitment and (B) the aggregate
          principal amount of all Swing Line Loans made by such Lender, in each
          case with respect to the relevant Loan, Swing Line Commitment or
          Revolving Credit Commitment after giving effect to such Assignment and
          Acceptance. Any such new Notes shall be dated the Effective Date (or,
          in the case of any Incremental Tranche B Term Loans, the Incremental
          Tranche B Effective Date) and shall otherwise be in the form of the
          Note replaced thereby. Any Notes surrendered by the assigning Lender
          shall be returned by the Administrative Agent to the Parent Borrower
          marked "cancelled".

          SECTION 19. SCHEDULE A-1. The Credit Agreement is hereby amended by
adding as Schedule A-1 thereto the document attached to this Amendment as
Schedule A-1.

          SECTION 20. AMENDMENT TO SUBSECTION 5.4.1 OF THE GUARANTEE AND
COLLATERAL AGREEMENT (CAPITAL CONTRIBUTIONS TO THE PARENT BORROWER). Section
5.4.1 of the Guarantee and Collateral Agreement is hereby amended by deleting
therefrom the words "all of such cash proceeds" and substituting in lieu thereof
the words "all net cash proceeds thereof".

          SECTION 21. AMENDMENTS TO SUBSECTION 5.4.2 OF THE GUARANTEE AND
COLLATERAL AGREEMENT (LIMITATION ON ACTIVITIES OF HOLDING). (a) The lead-in to
subsection 5.4.2 of the Guarantee and Collateral Agreement is hereby amended by
inserting the words ",Holding will not" at the end thereof.

          (b)  Clause (j) of subsection 5.4.2(i) of the Guarantee and Collateral
Agreement is hereby amended in its entirety to read as follows:

          (j)  the making of loans to or other Investments in, or incurrence of
          Indebtedness to, its Subsidiaries (to the extent not otherwise
          prohibited by any of the Loan Documents) PROVIDED that the amount of
          loans to, Investments in or incurrence of Indebtedness to CMS and CMS
          Holding made or incurred after the Incremental Tranche B Effective
          Date shall not exceed of $1,000,000 in the aggregate at any time
          outstanding,

          (c)  Subsection 5.4.2(ii) of the Guarantee and Collateral Agreement is
hereby amended by (i) deleting clause (a) thereof in its entirety and
substituting in lieu thereof the following:

          (a)  liabilities or obligations imposed by operation of law or
          otherwise arising in connection with any activity permitted under the
          preceding clause (i); PROVIDED that any Indebtedness incurred as
          permitted by this clause (a) after the Incremental Tranche B Effective
          Date shall not exceed $1,000,000 in the aggregate at any time
          outstanding,

(ii) deleting the word "and" at the end of clause (f) thereof and substituting
"," in lieu thereof and (iii) inserting the following new clauses (h) and (i)
immediately after clause (g) thereof:

                                       11
<Page>

          (h) Guarantee Obligations of Holding in respect of subordinated seller
          notes permitted by subsection 8.2(r) of the Credit Agreement, provided
          that such Guarantee Obligations are subordinated to Holding's
          Guarantee to the same extent as the obligations of the issuer of such
          seller subordinated notes thereunder are subordinated to such issuer's
          obligations under the Credit Agreement or the Guarantee and Collateral
          Agreement, as applicable and (i) Guarantee Obligations of Holding (A)
          in respect of Indebtedness of CMS under arrangements in effect on the
          Incremental Tranche B Effective Date among CMS and one or more lenders
          relating to the financing by any such lender or lenders of mortgage
          loans originated or otherwise acquired by CMS in the ordinary course
          of business or (B) in respect of any amendments, refinancings,
          refundings, renewals, replacements or extensions of such Indebtedness;
          PROVIDED that the terms and conditions of the Indebtedness resulting
          from any such amendment, refinancing, refunding, renewal, replacement
          or extension (and any Guarantee Obligation of Holding in respect
          thereof) shall be reasonably satisfactory in form and substance to the
          Administrative Agent if the terms and conditions of such amended or
          new Indebtedness, as applicable (and the related Guarantee Obligation
          of Holding), are, taken as a whole, materially worse than the terms
          and conditions of the Indebtedness and any Guarantee Obligation of
          Holding in respect thereof as in effect prior to such amendment,
          refinancing, refunding, renewal, replacement or extension, taken as a
          whole (it being understood and agreed that, in the event of any such
          amendment, refinancing, refunding, renewal, replacement or extension
          that has the effect of replacing the sole or lead lender, as
          applicable, or materially modifying the terms of such Indebtedness,
          Holdings shall provide written notice to the Administrative Agent
          describing such event no later than 10 Business Days prior to the
          effectiveness of such event);

          (d)  Subsection 5.4.2(ix) of the Guarantee and Collateral Agreement is
hereby amended by adding to the end thereof the phrase "and other than the
ownership of shares of Capital Stock of CMS and CMS Holding, or otherwise as
contemplated by or in connection with any activity permitted under the preceding
clause (i) of this subsection 5.4.2".

          SECTION 22. CONDITIONS TO EFFECTIVENESS. This Amendment shall become
effective upon the satisfaction of the following conditions precedent (the
effective date of this Amendment, the "EFFECTIVE DATE"):

          (a)  AMENDMENT. The Administrative Agent shall have received (i)
counterparts of this Amendment executed by (A) the Parent Borrower, (B) the
Required Lenders, (C) the Revolving Credit Lenders, the Revolving Credit
Commitment Percentages of which aggregate at least 51%, (D) Tranche A Term Loan
Lenders, the Tranche A Term Loan Percentages of which aggregate at least 51%,
(E) Tranche B Term Loan Lenders, the Tranche B Term Loan Percentages of which
aggregate at least 51% and (F) each Lender under the Incremental Tranche B Term
Loan Facility; and (ii) the attached Acknowledgment and Consent, executed by
each Guarantor.

          (b)  MORTGAGES. With respect to each of the Mortgages, to the extent
reasonably requested by the Administrative Agent, a mortgage amendment in form
and

                                       12
<Page>

substance reasonably satisfactory to the Administrative Agent (a "MORTGAGE
AMENDMENT"), which has the effect of including all obligations of the Loan
Parties in respect of the Incremental Tranche B Term Loans as secured
obligations under such Mortgage, executed and delivered by a duly authorized
officer of the Loan Party signatory thereto.

          (c)  ACQUISITION AGREEMENT; CONSUMMATION OF THE CRS ACQUISITION. The
Acquisition Agreement shall not have been amended, supplemented, waived or
otherwise modified in any material respect since the date thereof, except as may
have been consented to in writing by the Administrative Agent acting reasonably.
The CRS Acquisition shall have been consummated in accordance with the terms and
conditions of the Acquisition Agreement for an aggregate purchase price of
approximately $65,000,000 (including fees and expenses of approximately
$5,000,000, and excluding the pay-off of approximately $24,000,000 of
Indebtedness of the Target), of which up to $15,000,000 may have been paid with
subordinated seller notes issued by the Parent Borrower or a Subsidiary of the
Parent Borrower that is a Guarantor having terms and conditions (including
subordination terms) reasonably satisfactory to the Administrative Agent. None
of the conditions to the respective obligations of Holding, the Parent Borrower
and the Subsidiaries to consummate the CRS Acquisition and the other
transactions contemplated by the Acquisition Agreement shall have been waived by
Holding, the Parent Borrower or any of the Subsidiaries in any material respect
without the prior written consent of the Administrative Agent.

          (d)  EQUITY INVESTMENT. The Administrative Agent shall have received
evidence, in form and substance reasonably satisfactory to it, that (i) Clayton,
Dubilier & Rice Fund VI Limited Partnership and (at the election of the Parent
Borrower) one or more investors arranged by CD&R shall have made a cash equity
investment in the common stock of Holding in an aggregate amount not less than
$36,500,000 (the "EQUITY INVESTMENT") and (ii) the Parent Borrower shall have
received the amount of the Equity Investment in cash by capital contribution
from Holding.

          (e)  TRANSACTION FEES. The fees and expenses incurred in connection
with the CRS Acquisition and the transactions contemplated hereby and thereby
shall not exceed $5,500,000 in the aggregate.

          (f)  FINANCIAL INFORMATION. The Lenders shall have received copies of
and shall be reasonably satisfied, in form and substance, with (i) the audited
consolidated financial statements of CRS for the 2001 fiscal year, (ii)
unaudited interim consolidated financial statements of CRS for each quarterly
period ended subsequent to the date of the latest financial statements delivered
pursuant to clause (i) of this paragraph as to which financial statements are
available, (iii) the unaudited consolidated financial statements of the Target
for the 2000 and 2001 fiscal years and (iv) a PRO FORMA consolidated balance
sheet of the Parent Borrower as at March 31, 2002, adjusted to give effect to
the CRS Acquisition, the financing contemplated hereby and transactions relating
thereto and hereto as if such transactions had occurred on such date.

          (g)  FINANCIAL CONDITION OF TARGET. The Lenders shall have received a
certificate of a Responsible Officer of the Parent Borrower stating that the
EBITDA of the Target for the four consecutive fiscal quarters ending December
31, 2001, after giving effect to certain

                                       13
<Page>

adjustments that are reasonably satisfactory to the Administrative Agent, shall
be at least $8,500,000 and including calculations to support such statement.

          (h)  MORTGAGE SUBSIDIARY. Cooperative Mortgage Services, Inc., an Ohio
corporation that, before giving affect to the CRS Acquisition, is a Subsidiary
of CRS ("CMS"), shall not, after giving effect to the CRS Acquisition, be a
consolidated subsidiary of the Parent Borrower in accordance with GAAP.

          (i)  CERTAIN MORTGAGE ARRANGEMENTS. The Administrative Agent shall
have received evidence reasonably satisfactory to it that the arrangements
currently in effect among CMS and one or more lenders (including Washington
Mutual Bank, FA), relating to the financing by any such lender or lenders of
mortgage loans originated or otherwise acquired by CMS (as the same may be
modified in a manner reasonably satisfactory to the Administrative Agent prior
to the consummation of the CRS Acquisition) shall continue to be in full force
and effect after the consummation of the CRS Acquisition.

          (j)  LENDER SATISFACTION WITH DOCUMENTATION. The Lenders shall be
reasonably satisfied with the form and substance of all documents to be executed
in connection with the CRS Acquisition and the transactions contemplated thereby
(including, without limitation, the Acquisition Agreement and each other
material Contractual Obligation relating to the CRS Acquisition to which
Holding, the Parent Borrower or any Subsidiary will become bound on the
Effective Date).

          (k)  NO MATERIAL ADVERSE EFFECT. Since December 31, 2001, there shall
not have been any event, occurrence, fact or change that, individually or in the
aggregate, is or would reasonably be expected to be materially adverse to the
business, operations, assets, liabilities or results of operations of the Parent
Borrower and its Subsidiaries (after giving effect to the CRS Acquisition) taken
as whole (a "MATERIAL ADVERSE EFFECT").

          (l)  NO MATERIAL LITIGATION. No litigation, inquiry, injunction or
restraining order shall be pending, entered or threatened that would reasonably
be expected to have a Material Adverse Effect or a material adverse effect on
the transactions contemplated hereby.

          (m)  CONSENTS, LICENSES AND APPROVALS. The Administrative Agent shall
have received a certificate of a Responsible Officer of the Parent Borrower
stating that all consents, authorizations, notices and filings required in
connection with this Amendment, the Incremental Tranche B Term Loan Facility,
the security, collateral and guarantees for the Incremental Tranche B Loan
Facility and the CRS Acquisition as contemplated hereby (except for (i) filings
to perfect the Liens created by the Security Documents and (ii) consents,
authorizations, notices and filings which the failure to obtain or make would
not reasonably be expected to have a Material Adverse Effect) are in full force
and effect or have the status described therein.

          (n)  COMPLIANCE WITH INDENTURE. The Administrative Agent shall have
received a certificate of a Responsible Officer of the Parent Borrower stating
that the making of the Incremental Tranche B Term Loans, the CRS Acquisition and
the other transactions contemplated hereby and thereby comply with the
provisions of the Senior Subordinated Note Indenture.

                                       14
<Page>

          (o)  NO DEFAULT. No Default or Event of Default shall have occurred
and be continuing (both before and after giving affect to the making of the
Incremental Tranche B Term Loans, the CRS Acquisition and the other transactions
contemplated hereby and thereby).

          (p)  LEGAL OPINIONS. The Administrative Agent shall have received the
following executed legal opinions:

          (i)  the executed legal opinion of Debevoise & Plimpton, special
     counsel to each of Holding, the Parent Borrower and the other Loan
     Parties, substantially in the form of Exhibit A-1 to this Amendment; and

          (ii) the executed legal opinion of Ralph Ford, Esq., counsel to each
     of Holding, the Parent Borrower and the other Loan Parties, substantially
     in the form of Exhibit A-2 to this Amendment.

          (q)  COLLATERAL. All necessary or reasonably advisable collateral
filings shall have been duly made or taken and all necessary or reasonably
advisable amendments to the Security Documents shall have become effective, and
all Collateral shall be free and clear of all Liens, except Liens permitted by
subsection 8.3 of the Credit Agreement. The Parent Borrower and its Subsidiaries
(after giving effect to the CRS Acquisition) shall have executed all such
documents and instruments, and taken all such actions, required by subsection
7.10 of the Credit Agreement in connection with the acquisition of a Material
Subsidiary.

          (r)  PROJECTIONS. The Administrative Agent shall have received
projections for the Parent Borrower and its consolidated subsidiaries, after
giving effect to the CRS Acquisition, through 2007, together with a statement of
assumptions underlying such projections, in form and substance reasonably
satisfactory to the Lenders.

          (s)  FEES. The Administrative Agent, the Arrangers and the Lenders
shall have received all fees and expenses required to be paid or delivered by
the Parent Borrower to them on or prior to the Effective Date.

          (t)  BORROWING CERTIFICATE. The Administrative Agent shall have
received a certificate of the Parent Borrower, dated the Effective Date,
substantially in the form of Exhibit J to the Credit Agreement, with appropriate
insertions, attachments and modifications to reflect this Amendment, reasonably
satisfactory in form and substance to the Administrative Agent, executed by a
Responsible Officer and the Secretary or any Assistant Secretary of the Parent
Borrower.

          (u)  CORPORATE PROCEEDINGS OF THE LOAN PARTIES. The Administrative
Agent shall have received a copy of the resolutions, in form and substance
reasonably satisfactory to the Administrative Agent, of the Board of Directors
of each Loan Party authorizing, as applicable, (i) the execution, delivery and
performance of this Amendment, any Tranche B Term Notes, the Mortgage Amendments
and the other Loan Documents to which it is or will be a party, (ii) the
Incremental Tranche B Term Loans (and Guarantees thereof) contemplated hereunder
and (iii) the granting by it of the Liens to be created pursuant to the Security
Documents to which it is or will be a party certified by the Secretary or an
Assistant Secretary of such Loan Party as of the Effective Date, which
certificate shall be in form and substance reasonably satisfactory to the

                                       15
<Page>

Administrative Agent and shall state that the resolutions thereby certified have
not been amended, modified (except as any later such resolution may modify any
earlier such resolution), revoked or rescinded and are in full force and effect.

          (v)  INCUMBENCY CERTIFICATES OF THE LOAN PARTIES. The Administrative
Agent shall have received a certificate of each Loan Party, dated the Effective
Date, as to the incumbency and signature of the officers of such Loan Party
executing any Loan Document, reasonably satisfactory in form and substance to
the Administrative Agent, executed by a Responsible Officer and the Secretary or
any Assistant Secretary of such Loan Party.

          (w)  CORPORATE DOCUMENTS. The Administrative Agent shall have received
copies of the certificate of incorporation and by-laws of each Loan Party that
has not previously delivered such documents to the Administrative Agent,
certified as of the Effective Date as complete and correct copies thereof by the
Secretary or an Assistant Secretary of such Loan Party.

          (x)  AMENDMENT FEE. The Parent Borrower shall have paid to the
Administrative Agent, on behalf of each Lender which shall have executed and
delivered this Amendment to counsel to the Administrative Agent by 3:00 P.M.
(New York City time) on April 30, 2002, an amendment fee in an amount equal to
0.125% of the sum of each such Lender's Revolving Credit Commitment and Term
Loans (other than Incremental Tranche B Term Loans) then outstanding.

The making of the Incremental Tranche B Term Loans by the relevant Lenders
hereunder shall conclusively be deemed to constitute an acknowledgement by the
Administrative Agent and each Lender that each of the conditions precedent set
forth in this Section 22 shall have been satisfied in accordance with its
respective terms or shall have been irrevocably waived by such Person.

          SECTION 23. POST-CLOSING CONDITIONS; TITLE INSURANCE. This Amendment
shall remain effective so long as the requirements of Section 22 hereof have
been satisfied, and so long as, within 30 days of the date hereof, the
Administrative Agent shall have received in respect of each of the existing
mortgagee title policies (each, an "EXISTING MORTGAGEE TITLE POLICY") an
endorsement or endorsements (collectively, the "ENDORSEMENTS") or marked up
unconditional binder for the issuance of such Endorsements dated no later than
30 days after the Effective Date. Each of the Endorsements shall modify the
relevant Existing Mortgage Title Policy to (i) insure that the Mortgage insured
thereby (as amended) continues to be a valid first Lien on the Mortgaged
Property encumbered thereby free and clear of all defects and encumbrances,
except those listed on Schedule B of the Existing Mortgage Title Policies and
those permitted by subsection 8.3 of the Credit Agreement and such as may be
approved by the Administrative Agent; (ii) name the Administrative Agent for the
benefit of the Lenders, including the Lenders under the Incremental Tranche B
Term Loan Facility, as the insured thereunder; and (iii) be in form and
substance reasonably satisfactory to the Administrative Agent. The
Administrative Agent shall have received evidence reasonably satisfactory to it
that all premiums in respect of each of the Endorsements, and all charges for
mortgage recording tax, if any, have been paid. The Administrative Agent shall
have also received a copy of all recorded documents referred to, or listed as
exceptions to title in, the Endorsements referred to in this subsection and a
copy, certified by such parties as the Administrative Agent may deem

                                       16
<Page>

reasonably appropriate, of all other documents affecting the property covered by
each Mortgage as shall have been reasonably requested by the Administrative
Agent.

          SECTION 24. REPRESENTATIONS AND WARRANTIES. In order to induce the
Administrative Agent and the Lenders to enter into this Amendment, the Parent
Borrower hereby represents and warrants to the Administrative Agent and the
Lenders that the representations and warranties of the Parent Borrower contained
in the Loan Documents are true and correct in all material respects on and as of
the Effective Date (after giving effect hereto) as if made on and as of the
Effective Date, except where such representations and warranties expressly
relate to an earlier date, in which case such representations and warranties
were true and correct in all material respects as of such earlier date; PROVIDED
that all references to the "Credit Agreement" and the "Guarantee and Collateral
Agreement" in any Loan Document shall be and are deemed to mean the Credit
Agreement or the Guarantee and Collateral Agreement, as the case may be, as
amended hereby.

          SECTION 25. GOVERNING LAW. THIS AMENDMENT AND THE RIGHTS AND
OBLIGATIONS OF THE PARTIES HERETO SHALL BE GOVERNED BY, AND CONSTRUED AND
INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

          SECTION 26. COUNTERPARTS. This Amendment may be executed by the
parties hereto in any number of separate counterparts, and all of said
counterparts taken together shall be deemed to constitute one and the same
instrument. Delivery of an executed signature page of this Amendment by
facsimile transmission shall be effective as delivery of a manually executed
counterpart hereof. A set of the copies of this Amendment signed by all the
parties shall be lodged with the Parent Borrower and the Administrative Agent.

          SECTION 27. PAYMENT OF EXPENSES. The Parent Borrower agrees to pay or
reimburse the Administrative Agent for all of its reasonable out-of-pocket costs
and expenses incurred in connection with this Amendment, any other documents
prepared in connection herewith and the transactions contemplated hereby,
including, without limitation, the reasonable fees and disbursements of counsel
to the Administrative Agent.

          SECTION 28. SUCCESSORS AND ASSIGNS. This Amendment shall be binding
upon and inure to the benefit of the Parent Borrower and its successors and
assigns, and upon the Administrative Agent and the Lenders and their respective
successors and assigns. The execution and delivery of this Amendment by any
Lender prior to the Effective Date shall be binding upon its successors and
assigns and shall be effective as to any loans or commitments assigned to it
after such execution and delivery.

          SECTION 29. REFERENCE TO AND EFFECT ON THE LOAN DOCUMENTS. On and
after the Effective Date, each reference in the Credit Agreement to "this
Agreement", "hereunder", "hereof" or words of like import referring to the
Credit Agreement, and each reference in the other Loan Documents to "the Credit
Agreement", "thereunder", "thereof" or words of like import referring to the
Credit Agreement, shall mean and be a reference to the Credit Agreement as
amended hereby. On and after the Effective Date, each reference in the Guarantee
and Collateral Agreement to "this Agreement", "hereunder", "hereof" or words of
like import

                                       17
<Page>

referring to the Guarantee and Collateral Agreement, and each reference in the
other Loan Documents to "the Guarantee and Collateral Agreement", "thereunder",
"thereof" or words of like import referring to the Guarantee and Collateral
Agreement, shall mean and be a reference to the Guarantee and Collateral
Agreement as amended hereby. The execution, delivery and effectiveness of this
Amendment shall not operate as a waiver of any right, power or remedy of any
Lender or any Agent under any of the Loan Documents. Except as expressly amended
herein, all of the provisions of the Credit Agreement, the Guarantee and
Collateral Agreement and the other Loan Documents are and shall remain in full
force and effect in accordance with the terms thereof and are hereby in all
respects ratified and confirmed.

                                       18
<Page>

          IN WITNESS WHEREOF, the parties have caused this Amendment to be
executed and delivered by their respective duly authorized officers as of the
day and year first above written.

                                NORTH AMERICAN VAN LINES, INC.

                                By:
                                    ----------------------------------
                                    Name:
                                    Title:

                                JPMORGAN CHASE BANK, as Administrative
                                Agent and as a Lender

                                By: /s/ William J. Caggiano
                                    ----------------------------------
                                    Name:  William J. Caggiano
                                    Title: Managing Director

<Page>

          IN WITNESS WHEREOF, the parties have caused this Amendment to be
executed and delivered by their respective duly authorized officers as of the
day and year first above written.

                                NORTH AMERICAN VAN LINES, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                JPMORGAN CHASE BANK, as Administrative
                                Agent and as a Lender

                                By:
                                    ----------------------------------
                                    Name:
                                    Title:

<Page>

                                ARCHIMEDES FUNDING II, LTD.

                                BY: ING Capital Advisors LLC,
                                    as Collateral Manager

                                BY: /s/ Steven Gorski
                                    ----------------------------------
                                Name:  STEVEN GORSKI
                                Title: VICE PRESIDENT &
                                       SENIOR CREDIT ANALYST

                                ARCHIMEDES FUNDING III, LTD.

                                BY: ING Capital Advisors LLC,
                                    as Collateral Manager

                                BY: /s/ Steven Gorski
                                    ----------------------------------
                                Name:  STEVEN GORSKI
                                Title: VICE PRESIDENT &
                                       SENIOR CREDIT ANALYST

                                ARCHIMEDES FUNDING IV (CAYMAN), LTD.

                                BY: ING Capital Advisors LLC,
                                    as Collateral Manager

                                BY: /s/ Steven Gorski
                                    ----------------------------------
                                Name:  STEVEN GORSKI
                                Title: VICE PRESIDENT &
                                       SENIOR CREDIT ANALYST

                                NEMEAN CLO, LTD.

                                BY: ING Capital Advisors LLC,
                                    as Investment Manager

                                BY: /s/ Steven Gorski
                                    ----------------------------------
                                Name:  STEVEN GORSKI
                                Title: VICE PRESIDENT &
                                       SENIOR CREDIT ANALYST

                                ORYX CLO, LTD.

                                BY: ING Capital Advisors LLC,
                                    as Collateral Manager

                                BY: /s/ Steven Gorski
                                    ----------------------------------
                                Name:  STEVEN GORSKI
                                Title: VICE PRESIDENT &
                                       SENIOR CREDIT ANALYST

<Page>

                                Clydesdale CLO 2001-1, Ltd.
                                --------------------------------------
                                Name of Lender

                                NOMURA CORPORATION RESEARCH
                                 AND ASSET MANAGEMENT INC.
                                          AS
                                    COLLATERAL MANAGER

                                By: /s/ Richard W. Stewart
                                    ----------------------------------
                                    Name:  RICHARD W. STEWART
                                    Title: DIRECTOR

                                Nomura Bond & Loan Fund
                                --------------------------------------
                                Name of Lender

                                By: UFJ Trust Company of
                                    New York as Trustee
                                By: Nomura Corporate Research
                                    and Asset Management Inc.
                                    Attorney In Fact

                                By: /s/ Richard W. Stewart
                                    ----------------------------------
                                    Name:  RICHARD W. STEWART
                                    Title: DIRECTOR

                                By: ----------------------------------
                                    Name:
                                    Title:

                                Bank of America, N.A.
                                --------------------------------------
                                Name of Lender

                                By: /s/ W. Thomas Barnett
                                    ----------------------------------
                                    Name:  W. Thomas Barnett
                                    Title: Managing Director

                                THE BANK OF NEW YORK
                                --------------------------------------
                                Name of Lender

                                By: /s/ Maurice A. Campbell
                                    ----------------------------------
                                    Name:  MAURICE A. CAMPBELL
                                    Title: ASSISTANT VICE PRESIDENT

                                THE BANK OF NOVA SCOTIA

                                By: /s/ N. Bell
                                    ----------------------------------
                                    Name:  N. Bell
                                    Title: Sr. Manager - Loan Operations

                                BANK OF TOKYO-MITSUBISHI TRUST COMPANY
                                --------------------------------------
                                Name of Lender

                                By: /s/ Eric Planey
                                    ----------------------------------
                                    Name:  Eric Planey
                                    Title: Assistant Vice President
<Page>

                                Carlyle High Yield Partners III, Ltd.
                                --------------------------------------
                                Name of Lender

                                By: /s/ Linda Pace
                                    ----------------------------------
                                    Name:  LINDA PACE
                                    Title: PRINCIPAL

                                COPERNICUS EURO CDO-I B.V.
                                --------------------------------------
                                Name of Lender
                                ON BEHALF OF ING CAPITAL ADVISORS LLC AS
                                COLLATERAL MANAGER FOR COPERNICUS EURO
                                CDO-I B.V.

                                By: /s/ Simon Wood
                                    ----------------------------------
                                    Name:  SIMON WOOD
                                    Title: MANAGING DIRECTOR

                                By: /s/ Herman Guelovani
                                    ----------------------------------
                                    Name:  HERMAN GUELOVANI
                                    Title: VICE PRESIDENT

                                Deutsche Bank Trust Company America

                                (f/k/a Bankers Trust Company)
                                --------------------------------------
                                Name of Lender

                                By: /s/ Marguerite Sutton
                                    ----------------------------------
                                    Name:  Marguerite Sutton
                                    Title: Vice President

                                Denali Capital LLC, managing member of
                                DC Funding Partners LLC, portfolio
                                manager for DENALI CAPITAL CLO I, LTD.

                                By: /s/ John Thacker
                                    ----------------------------------
                                    Name:  John Thacker
                                    Title: Chief Credit Officer

                                Denali Capital LLC, managing member of
                                DC Funding Partners, portfolio
                                manager for DENALI CAPITAL CLO II, LTD., or an
                                affiliate

                                By: /s/ John Thacker
                                    ----------------------------------
                                    Name:  John Thacker
                                    Title: Chief Credit Officer

                                Flagship CLO 2001-1
                                --------------------------------------
                                Name of Lender

                                By: /s/ Mark S. Pelletier
                                    ----------------------------------
                                    Name:  MARK S. PELLETIER
                                    Title: DIRECTOR
<Page>

                                Flagship CLO II
                                --------------------------------------
                                Name of Lender

                                By: /s/ Mark S. Pelletier
                                    ----------------------------------
                                    Name:  MARK S. PELLETIER
                                    Title: ATTORNEY-IN-FACT

                                Heller Financial, Inc.
                                --------------------------------------
                                Name of Lender

                                By: /s/ Robert Kadlick
                                    ----------------------------------
                                Name:  Robert Kadlick
                                Title: Duly Authorized Signatory

                                INDOSUEZ CAPITAL FUNDING IIA, LIMITED
                                By: Indosuez Capital as Portfolio Advisor

                                By: /s/ Andrew Brady
                                    ----------------------------------
                                Name:  Andrew Brady
                                Title: Vice President

                                Indosuez Capital Funding IV, L.P.,
                                By: RBC Leveraged Capital as Portfolio Advisor

                                By: /s/ Lee M. Shaiman
                                    ----------------------------------
                                Name:  Lee M. Shaiman
                                Title: Managing Director

                                MORGAN STANLEY PRIME INCOME TRUST
                                --------------------------------------
                                Name of Lender

                                By: /s/ Sheila A. Finnerty
                                    ----------------------------------
                                    Name:  Sheila A. Finnerty
                                    Title: Executive Director

                                MERRILL LYNCH SENIOR FLOATING RATE FUND, INC.

                                By: /s/ Anthony Heyman
                                    ----------------------------------
                                        Anthony Heyman
                                        AUTHORIZED SIGNATORY

                                DEBT STRATEGIES FUND, INC.

                                By: /s/ Anthony Heyman
                                    ----------------------------------
                                        Anthony Heyman
                                        AUTHORIZED SIGNATORY

<Page>

                                LONGHORN CDO (CAYMAN) LTD
                                By: Merrill Lynch Investment Managers, L.P.
                                    as Investment Advisor

                                By: /s/ Anthony Heyman
                                    ----------------------------------
                                        Anthony Heyman
                                        AUTHORIZED SIGNATORY

                                MASTER SENIOR FLOATING RATE TRUST

                                By: /s/ Anthony Heyman
                                    ----------------------------------
                                        Anthony Heyman
                                        AUTHORIZED SIGNATORY

                                PPM SPYGLASS FUNDING TRUST

                                By: /s/ Diana L. Mushill
                                    ----------------------------------
                                    Name:  DIANA L. MUSHILL
                                    Title: AUTHORIZED AGENT

                                LANDMARK CDO LIMITED
                                By: Aladdin Asset Management LLC,
                                    as Manager

                                       /s/ John M. Johnson
                                      --------------------------------
                                By:    John M. Johnson
                                       Title: Authorized Signatory

                                NATIONAL CITY BANK OF INDIANA
                                --------------------------------------
                                Name of Lender

                                By: /s/ Mark A. Minnick
                                    ----------------------------------
                                    Name:  Mark A. Minnick
                                    Title: Senior Vice President

                                NUVEEN FLOATING
                                RATE FUND

                                --------------------------------------
                                Name of Lender

                                By: /s/ Geoffrey G. Gavin
                                    ----------------------------------
                                    Name:  GEOFFREY G. GAVIN
                                    Title: PORTFOLIO MANAGER

                                NUVEEN SENIOR INCOME
                                  FUND

                                --------------------------------------
                                Name of Lender

                                By: /s/ Geoggrey G. Gavin
                                    ----------------------------------
                                    Name:  GEOGGREY G. GAVIN
                                    Title: PORTFOLIO MANAGER

<Page>

                                THE PROVIDENT BANK
                                --------------------------------------
                                Name of Lender

                                By:  /s/ Thomas W. Doe
                                    ----------------------------------
                                    Name:  THOMAS W. DOE
                                    Title: VICE PRESIDENT

                                Textron Financial Corporation

                                By: /s/ Matthew J. Colgan
                                    ----------------------------------
                                    Name:  Matthew J. Colgan
                                    Title: Director
<Page>

                                                                    SCHEDULE A-1
                                                             TO CREDIT AGREEMENT

                   Incremental Tranche B Term Loan Commitments

<Table>
<Caption>
                                                     Incremental Tranche B
Lender                                               Term Loan Commitment
------                                               ---------------------
<S>                                                  <C>
JPMorgan Chase Bank                                  $       16,666,666.66
Bank of America, N.A.                                $       16,666,666.67
Deutsche Bank Trust Company Americas                 $       16,666,666.67

TOTAL                                                        50,000,000.00
                                                     =====================
</Table>

<Page>

                           ACKNOWLEDGMENT AND CONSENT

          Each of the undersigned corporations as guarantors under the Guarantee
and Collateral Agreement, dated as of November 19, 1999, made by the undersigned
corporations in favor of the Administrative Agent, for the benefit of the
Lenders, hereby (a) consents to the transactions contemplated by this Amendment,
(b) consents and agrees to the amendments to the Guarantee and Collateral
Agreement set forth in this Amendment and (c) acknowledges and agrees that the
guarantees (and grants of collateral security therefor) contained in such
Guarantee and Collateral Agreement are, and shall remain, in full force and
effect after giving effect to this Amendment.

                                SIRVA, INC. (formerly known as Allied
                                Worldwide, Inc.)

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                FLEET INSURANCE MANAGEMENT, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                FRONTRUNNER WORLDWIDE, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                GREAT FALLS NORTH AMERICAN, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

<Page>

                                NACAL, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                NAVTRANS INTERNATIONAL FREIGHT
                                 FORWARDING, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                NORTH AMERICAN DISTRIBUTION
                                 SYSTEMS, INC. n/k/a FEDERAL TRAFFIC
                                 SERVICE, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                NORTH AMERICAN LOGISTICS, LTD.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                NORTH AMERICAN VAN LINES OF TEXAS, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

<Page>

                                RELOCATION MANAGEMENT SYSTEMS, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                A RELOCATION SOLUTIONS MANAGEMENT
                                 COMPANY

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                ALLIED FREIGHT FORWARDING, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title:

                                ALLIED VAN LINES, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                ALLIED INTERNATIONAL N.A., INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

<Page>

                                ALLIED VAN LINES TERMINAL COMPANY

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                VANGUARD INSURANCE AGENCY, INC.

                                By: /s/ Ronald L. Milewaki
                                    ----------------------------------
                                    Name:  Ronald L. Milewaki
                                    Title: Treasurer

                                MERIDIAN MOBILITY RESOURCES, INC.

                                By: /s/ Douglas V. Gathany
                                    ----------------------------------
                                    Name:  Douglas V. Gathany
                                    Title: Treasurer

                                TGIA ACQUISITION COMPANY, LLC n/k/a
                                NATIONAL ASSOCIATION OF INDEPENDENT
                                TRUCKERS, LLC

                                By: /s/ Lawrence A. Writt
                                    ----------------------------------
                                    Name:  Lawrence A. Writt
                                    Title: Treasurer<Page>

                                                                   EXHIBIT 10.22

                          STOCK SUBSCRIPTION AGREEMENT

     STOCK SUBSCRIPTION AGREEMENT, dated as of April 12, 2002, between SIRVA,
Inc., formerly known as Allied Worldwide, Inc., a Delaware corporation (the
"COMPANY"), and Clayton, Dubilier & Rice Fund VI Limited Partnership, a Cayman
Islands exempted limited partnership (together with any successor investment
vehicle managed by Clayton, Dubilier & Rice, Inc., the "PURCHASER").

                              W I T N E S S E T H:

     WHEREAS, pursuant to an Asset Purchase Agreement, dated as of the date of
this Agreement, as may be amended from time to time (the "GRAND PURCHASE
AGREEMENT"), between TGIA Acquisition Company, a Delaware corporation and an
indirect wholly-owned subsidiary of the Company ("TGIA ACQUISITION"), National
Association of Independent Truckers, Inc., a Missouri corporation, ("NAIT"), and
certain other parties (NAIT, together with such other parties, the "GRAND
SELLERS"), and V. Cheryl Womack, TGIA Acquisition has agreed to acquire from the
Grand Sellers all of their assets relating to the marketing, processing and
administration of certain occupational accident insurance, workers compensation
insurance and medical insurance policies to the members of NAIT and the
provision for the benefit of the members of NAIT certain affiliation services
(the "GRAND ACQUISITION");

     WHEREAS, pursuant to a Purchase Agreement, dated as of March 19, 2002, as
may be amended from time to time (the "BROWNSTONE PURCHASE AGREEMENT"), between
the Company, SIRVA Acquisition Company, LLC, a Delaware limited liability
company and a wholly-owned subsidiary of the Company ("SIRVA ACQUISITION"),
Cooperative Resource Services, Ltd., an Ohio limited liability company ("CRSL"),
Edward J. Davidson, a resident of the State of Ohio, and certain of his
associates, SIRVA Acquisition has agreed to acquire from CRSL all of CRSL's
assets relating to the comprehensive relocation business conducted by CRSL and
its subsidiaries (the "BROWNSTONE ACQUISITION", and together with the Grand
Acquisition, the "ACQUISITIONS");

     WHEREAS, (a) the Company will issue 140,846 shares of its common stock, par
value $ 0.01 per share (the "COMMON STOCK"), to the Purchaser concurrently with
the closing of the Grand Acquisition on the date of this Agreement (such
closing, the "GRAND CLOSING"), and (b) the Company will issue up to an
additional 387,324 shares of Common Stock concurrently with the closing of the
Brownstone Acquisition (such closing, the "BROWNSTONE CLOSING", and the date of
the Brownstone Closing, the "BROWNSTONE CLOSING DATE");

     WHEREAS, the Purchaser desires to subscribe for and purchase, and the
Company desires to sell to the Purchaser, 140,846 shares of Common Stock
concurrently

<Page>

with the Grand Closing, and up to an additional 387,324 shares of Common Stock
concurrently with the Brownstone Closing, at a purchase price of $142.00 per
share;

     NOW, THEREFORE, to implement the foregoing and in consideration of the
mutual agreements contained in this Agreement, the parties hereby agree as
follows:

     1.   PURCHASE AND SALE OF COMMON STOCK.

     (a)  PURCHASE OF COMMON STOCK. Subject to all of the terms and conditions
of this Agreement, the Purchaser agrees to subscribe for and purchase, and the
Company agrees to sell to the Purchaser, at a purchase price of $142.00 per
share:

          (i)  at the Grand Closing, 140,846 shares of Common Stock (the "GRAND
     SHARES"); and

          (ii) at the Brownstone Closing, such number of shares of Common Stock
     as the Purchaser may elect in a written notice to be delivered to the
     Company at least two business days prior to the anticipated Brownstone
     Closing Date, but not exceeding 387,324 (such shares, the "BROWNSTONE
     SHARES", and together with the Grand Shares, the "SHARES").

     (b)  CONSIDERATION. Subject to the terms and conditions of this Agreement,
the Purchaser shall deliver to the Company:

          (i)  at the Grand Closing, immediately available funds in the amount
     of $20,000,132; and

          (ii) at the Brownstone Closing, immediately available funds in the
     amount equal to the aggregate purchase price of the Brownstone Shares
     purchased at such closing.

     2.   CLOSING.

     (a)  TIME AND PLACE. Except as otherwise mutually agreed by the Company and
the Purchaser, the closings of the transactions contemplated by this Agreement
(the "CLOSINGS") will be held at the offices of Debevoise & Plimpton, 919 Third
Avenue, New York, New York at 10 a.m. (New York time) on the date of this
Agreement, and on the Brownstone Closing Date, respectively.

     (b)  DELIVERY BY THE COMPANY. At each Closing, the Company shall deliver to
the Purchaser a stock certificate registered in such Purchaser's name and
representing the Grand Shares, or the Brownstone Shares, as the case may be,
which certificate will bear the legend set forth in Section 4(b).

                                        2
<Page>

     (c)  DELIVERY BY THE PURCHASER. At each Closing, the Purchaser will deliver
to the Company the relevant consideration referred to in Section 1(b).

     3.   MANAGEMENT RIGHTS. For so long as the Purchaser owns any shares of
Common Stock and there has not been an underwritten public offering of the
Common Stock (other than a Special Registration, as such term is defined in the
Registration and Participation Agreement referred to in Section 4(g)), the
Purchaser will have the following rights with respect to the Company and North
American Van Lines, Inc. ("NAVL", and together with the Company, the "SIRVA
COMPANIES"):

     (a)  RIGHT OF CONSULTATION. The Purchaser shall have the right, and the
Company shall cause the other SIRVA Company to grant to the Purchaser the right,
to consult with and advise the management of each of the SIRVA Companies, at any
time or from time to time, on all matters relating to the operation of the SIRVA
Companies, including, without limitation, significant changes in management
personnel and compensation or employee benefits, the introduction of new
products or new lines of business, important acquisitions or dispositions of
plant and equipment, significant research and development programs, the purchase
or sale of important patents, trademarks, licenses and concessions, and the
proposed compromise of any significant litigation.

     (b)  OBSERVATION RIGHTS. The Purchaser shall have the right, and the
Company shall cause the other SIRVA Company to grant to the Purchaser the right,
to have its representatives (in addition to its representatives that are
directors) attend meetings of the Boards of Directors of each of the SIRVA
Companies. The Company shall give, or shall cause the other SIRVA Company to
give, as appropriate, to the Purchaser (i) at least three days' notice of each
regular meeting of the Board of Directors of each of the SIRVA Companies, (ii)
such notice as is necessary under the circumstances to enable the Purchaser's
representatives to attend each special or emergency meeting of the Board of
Directors of each of the SIRVA Companies, (iii) on or prior to the date of each
meeting of the Board of Directors of each of the SIRVA Companies, all
information given to the directors at such meeting, and (iv) within 90 days
following each meeting of the Board of Directors of each of the SIRVA Companies,
copies of the minutes of such meeting.

     (c)  INSPECTION AND ACCESS. The Company shall provide to the Purchaser true
and correct copies of all quarterly and annual financial reports and budgets
prepared by or on behalf of each of the SIRVA Companies and their subsidiaries,
and such other documents, reports, financial data and other information as the
Purchaser may reasonably request. The Company shall permit any authorized
representatives designated by the Purchaser to visit and inspect any of the
properties of the Company or any of its subsidiaries, including its and their
books of account (and to make copies and take extracts therefrom), and to
discuss its and their affairs, finances and accounts with its and their officers
and their current and prior independent public accountants (and by this

                                        3
<Page>

provision the Company authorizes such accountants to discuss with such
representatives the affairs, finances and accounts of the Company and its
subsidiaries, whether or not a representative of the Company is present), all at
such reasonable times and as often as the Purchaser may reasonably request.

     4.   Purchaser's Representations, Warranties and Covenants. The Purchaser
represents and warrants as follows:

     (a)  INVESTMENT INTENTION. The Purchaser is acquiring the Shares solely for
its own account for investment and not with a view to or for sale in connection
with any distribution thereof in any transaction or series of transactions that
would be in violation of the securities laws of the United States or any state
thereof. The Purchaser agrees that it will not, directly or indirectly, offer,
transfer, sell, pledge, hypothecate or otherwise dispose of any of the Shares
(or solicit any offers to buy, purchase or otherwise acquire or take a pledge of
any Shares), except in compliance with the Securities Act of 1933, as amended
(the "Securities Act"), and the rules and regulations of the Securities and
Exchange Commission (the "Commission") thereunder, and in compliance with
applicable state securities or "blue sky" laws. The Purchaser further
understands, acknowledges and agrees that none of the Shares may be transferred,
sold, pledged, hypothecated or otherwise disposed of unless (i) (A) such
disposition is pursuant to an effective registration statement under the
Securities Act, (B) the Purchaser shall have delivered to the Company an opinion
of counsel, which opinion and counsel shall be reasonably satisfactory to the
Company, to the effect that such disposition is exempt from the provisions of
Section 5 of the Securities Act, or (C) a no-action letter from the Commission,
reasonably satisfactory to the Company, shall have been obtained with respect to
such disposition and (ii) such disposition is pursuant to registration under any
applicable state securities laws or an exemption therefrom.

     (b)  LEGEND. The Purchaser acknowledges that the certificates representing
the Shares shall bear the following legend:

      "THE SHARES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED
      PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT
      OF 1933, AS AMENDED, OR QUALIFIED UNDER ANY STATE SECURITIES LAWS AND MAY
      NOT BE TRANSFERRED, SOLD, PLEDGED, HYPOTHECATED OR OTHERWISE DISPOSED OF
      UNLESS (i) (A) SUCH DISPOSITION IS PURSUANT TO AN EFFECTIVE REGISTRATION
      STATEMENT UNDER THE SECURITIES ACT OF 1933, AS AMENDED, (B) THE HOLDER
      HEREOF SHALL HAVE DELIVERED TO THE COMPANY AN OPINION OF COUNSEL, WHICH
      OPINION AND COUNSEL SHALL BE REASONABLY SATISFACTORY TO THE COMPANY, TO
      THE EFFECT THAT SUCH DISPOSITION IS EXEMPT FROM THE PROVISIONS OF

                                        4
<Page>

      SECTION 5 OF SUCH ACT OR (C) A NO-ACTION LETTER FROM THE SECURITIES AND
      EXCHANGE COMMISSION, REASONABLY SATISFACTORY TO COUNSEL FOR THE COMPANY,
      SHALL HAVE BEEN OBTAINED WITH RESPECT TO SUCH DISPOSITION AND (ii) SUCH
      DISPOSITION IS PURSUANT TO REGISTRATION UNDER ANY APPLICABLE STATE
      SECURITIES LAWS OR AN EXEMPTION THEREFROM."

      "THE SHARES REPRESENTED BY THIS CERTIFICATE ARE ENTITLED TO THE BENEFITS
      OF AND ARE BOUND BY THE OBLIGATIONS SET FORTH IN A REGISTRATION AND
      PARTICIPATION AGREEMENT, DATED AS OF MARCH 30,1998, AS AMENDED, AMONG THE
      COMPANY AND CERTAIN STOCKHOLDERS OF THE COMPANY, A COPY OF WHICH IS
      LOCATED AT THE PRINCIPAL OFFICE OF THE COMPANY."

     (c)  SECURITIES LAW MATTERS. The Purchaser acknowledges receipt of advice
from the Company that (i) the Shares have not been registered under the
Securities Act or qualified under any state securities or "blue sky" laws, (ii)
it is not anticipated that there will be any public market for the Shares, (iii)
the Shares must be held indefinitely and the Purchaser must continue to bear the
economic risk of the investment in the Shares unless the Shares are subsequently
registered under the Securities Act and such state laws or an exemption from
registration is available, (iv) Rule 144 promulgated under the Securities Act
("RULE 144") is not presently available with respect to the sales of any
securities of the Company and the Company has made no covenant to make Rule 144
available, (v) when and if the Shares may be disposed of without registration in
reliance upon Rule 144, such disposition can be made only in limited amounts in
accordance with the terms and conditions of such Rule, if the Purchaser is
deemed to be an "affiliate" of the Company within the meaning of Rule 144, (vi)
the Company does not plan to file reports with the Commission or make public
information concerning the Company available unless required to do so by law or
by the terms of its financing agreements, (vii) if the exemption afforded by
Rule 144 is not available, sales of the Shares may be difficult to effect
because of the absence of public information concerning the Company, (viii) a
restrictive legend in the form heretofore set forth shall be placed on the
certificates representing the Shares and (ix) a notation shall be made in the
appropriate records of the Company indicating that the Shares are subject to
restrictions on transfer set forth in this Agreement and, if the Company should
in the future engage the services of a stock transfer agent, appropriate
stop-transfer restrictions will be issued to such transfer agent with respect to
the Shares.

     (d)  COMPLIANCE WITH RULE 144. If any of the Shares are to be disposed of
in accordance with Rule 144, the Purchaser shall transmit to the Company an
executed copy of Form 144 (if required by Rule 144) no later than the time such
form is required to be

                                        5
<Page>

transmitted to the Commission for filing and such other documentation as the
Company may reasonably require to assure compliance with Rule 144 in connection
with such disposition.

     (e)  ABILITY TO BEAR RISK. (i) The financial situation of the Purchaser is
such that it can afford to bear the economic risk of holding the Shares for an
indefinite period, and (ii) the Purchaser can afford to suffer the complete loss
of its investment in the Shares.

     (f)  ACCESS TO INFORMATION. (i) The Purchaser has participated in the
preparation and negotiation of the Grand Purchase Agreement and the Brownstone
Purchase Agreement and has carefully reviewed all of the materials furnished to
it in connection with the transactions contemplated thereby and hereby, (ii) it
has been granted the opportunity to ask questions of, and receive answers from,
representatives of the Company concerning the terms and conditions of the
purchase of the Shares and to obtain any additional information that it deems
necessary to verify the accuracy of the information contained in such material,
and (iii) its knowledge and experience in financial and business matters is such
that it is capable of evaluating the risks of the investment in the Shares.

     (g)  REGISTRATION AND PARTICIPATION AGREEMENT. The Purchaser acknowledges
and agrees that it will be entitled to the rights and subject to the obligations
created under the Registration and Participation Agreement, dated as of March
30, 1998, as may be amended from time to time, among the Company, Clayton,
Dubilier & Rice Fund V Limited Partnership, a Cayman Islands exempted limited
partnership, and certain other stockholders. The Purchaser agrees that, in the
event that the Company files a registration statement under the Securities Act
with respect to an underwritten public offering of any shares of its capital
stock, the Purchaser will not effect any public sale or distribution of any
shares of the Common Stock (other than as part of such underwritten public
offering) during the 20 days prior to and the 180 days after the effective date
of such registration statement.

     5.   Representations and Warranties of the Company. The Company represents
and warrants to the Purchaser that (a) the Company has been duly incorporated
and is an existing corporation in good standing under the laws of the State of
Delaware, (b) this Agreement has been duly authorized, executed and delivered by
the Company and constitutes a valid and legally binding obligation of the
Company enforceable against the Company in accordance with its terms, and (c)
the Shares, when issued and delivered in accordance with the terms of this
Agreement, will be duly authorized, validly issued, fully paid and
nonassessable, and free and clear of any liens or encumbrances other than those
created pursuant to this Agreement or otherwise in connection with the
transactions contemplated hereby.

                                        6
<Page>

     6.   Covenants of the Company.

     (a)  RULE 144. The Company agrees that at all times after it has filed a
registration statement pursuant to the requirements of the Securities Act or
Section 12 of the Securities Exchange Act of 1934, as amended (the "EXCHANGE
ACT"), relating to any class of equity securities of the Company (other than (i)
the registration of equity securities of the Company and/or options in respect
thereof to be offered primarily to directors and members of management and
employees of the Company or its direct or indirect subsidiaries, or (ii) the
registration of equity securities and/or options in respect thereof solely on
Form S-4 or S-8 or any successor form), it will file the reports required to be
filed by it under the Securities Act and the Exchange Act and the rules and
regulations adopted by the Commission thereunder (or, if the Company is not
required to file such reports, it will, upon the request of the Purchaser, make
publicly available such information as necessary to permit sales pursuant to
Rule 144 under the Securities Act), and will take such further action as the
Purchaser may reasonably request, all to the extent required from time to time
to enable the Purchaser to sell Shares without registration under the Securities
Act within the limitation of the exemptions provided by (x) Rule 144, as such
Rule may be amended from time to time, or (y) any successor rule or regulation
hereafter adopted by the Commission.

     (b)  STATE SECURITIES LAWS. The Company agrees to use its best efforts to
comply with all state securities or "blue sky" laws applicable to the sale of
the Shares to the Purchaser.

     (c)  EXPENSES. The Company hereby agrees to pay all expenses relating to
this Agreement, including but not limited to (i) the cost of printing,
reproducing and distributing this Agreement, the Shares and any associated
documents, (ii) the Purchaser's reasonable out-of-pocket expenses incurred in
connection with this Agreement, the Shares and any associated documents, (iii)
the reasonable fees and disbursements of Purchaser's counsel, (iv) the cost of
delivering the Shares purchased at the Closings, insured to the satisfaction of
the Purchaser, to such address as the Purchaser shall designate, (v) all
reasonable out-of-pocket expenses relating to any amendment or modification of,
or any waiver, consent or preservation of rights under, this Agreement and (vi)
all other expenses, including counsel's fees, incurred by the Company in
connection with the transactions contemplated by this Agreement or any other
agreements or documents entered into in connection with the Acquisitions.

     7.   Conditions to the Brownstone Closing.

     (a)  CONDITIONS TO THE OBLIGATIONS OF EACH PARTY. The respective obligation
of each party to effect the transactions contemplated by this Agreement to be
consummated at the Brownstone Closing is subject to the satisfaction on or prior
to the Brownstone

                                        7
<Page>

Closing Date of each of the following conditions (any of which may be waived by
the parties in writing, in whole or in part, to the extent permitted by
applicable law):

          (i) NO INJUNCTION OR PROCEEDING. Consummation of the transactions
     contemplated by this Agreement may not have been restrained, enjoined or
     otherwise prohibited by any applicable law. No governmental authority may
     have determined any applicable law to make illegal the consummation of the
     transactions contemplated by this Agreement, and no proceeding with respect
     to the application of any such applicable law to such effect may be
     pending.

          (ii) HSR AND OTHER COMPETITION LAWS. Any waiting period applicable to
     the consummation of the transactions contemplated by this Agreement under
     the Hart-Scott-Rodino Antitrust Improvement Act of 1976, as amended, must
     have expired or been terminated, and no action may have been instituted by
     the United States Department of Justice or the United States Federal Trade
     Commission or other governmental entity and still be pending which
     challenges or seeks to enjoin the consummation of such transactions.

     (b)  CONDITIONS TO THE OBLIGATION OF THE PURCHASER. The obligation of the
Purchaser to effect the transactions contemplated by this Agreement to be
consummated at the Brownstone Closing is subject to the satisfaction (or waiver
by the Purchaser) on or prior to the Brownstone Closing Date of each of the
following additional conditions, which the Company and the Purchaser agree to
use their commercially reasonable efforts to cause to be fulfilled.

          (i) REPRESENTATIONS AND WARRANTIES. The representations and warranties
     of the Company contained in Section 5 (i) shall be true and correct in all
     respects at and as of the date of this Agreement; and (ii) shall be
     repeated and shall be true and correct in all respects on and as of the
     Brownstone Closing Date with the same effect as though made on and as of
     the Brownstone Closing Date.

          (ii) COVENANTS. The Company shall have duly performed and complied
     with all covenants contained in Section 6 required by this Agreement to be
     performed or complied with by the Company prior to or at the Brownstone
     Closing.

          (iii) OFFICER'S CERTIFICATE. The Company shall have delivered to the
     Purchaser a certificate dated the Brownstone Closing Date and duly signed
     by an authorized officer of the Company certifying the closing conditions
     set forth in this Section 7(b) have been satisfied.

     (c)  CONDITIONS TO THE OBLIGATION OF THE COMPANY. The obligation of the
Company to effect the transactions contemplated by this Agreement to be
consummated

                                        8
<Page>

at the Brownstone Closing is subject to the satisfaction (or waiver by the
Company) on or prior to the Brownstone Closing Date of each of the following
additional conditions, which the Company and the Purchaser agree to use their
commercially reasonable efforts to cause to be fulfilled.

          (i) REPRESENTATIONS AND WARRANTIES. The representations and warranties
     of the Purchaser contained in Section 4 (i) shall be true and correct in
     all respects at and as of the date of this Agreement; and (ii) shall be
     repeated and shall be true and correct in all respects on and as of the
     Brownstone Closing Date with the same effect as though made on and as of
     the Brownstone Closing Date.

          (ii) COVENANTS. The Purchaser shall have duly performed and complied
     with all covenants contained in Section 4 and required by this Agreement to
     be performed or complied with by the Company prior to or at the relevant
     Closing.

          (iii) OFFICER'S CERTIFICATE. The Purchaser shall have delivered to the
     Company a certificate dated the Brownstone Closing Date and duly signed by
     an authorized officer of the Purchaser certifying the closing conditions
     set forth in this Section 7(c) have been satisfied.

     8.   Miscellaneous.

     (a)  NOTICES. All notices and other communications required or permitted to
be given under this Agreement shall be in writing and shall be deemed to have
been given if delivered personally or sent by certified or express mail, return
receipt requested, postage prepaid, or by any recognized international
equivalent of such mail delivery, to the Company or the Purchaser, as the case
may be, at the following addresses or to such other address as the Company or
the Purchaser, as the case may be, shall specify by notice to the others:

          (i)              if to the Company, to:

                           SIRVA, Inc.
                           215 W. Diehl Road
                           Naperville, IL  60563
                           Attention:  General Counsel

          (ii)             if to the Purchaser, to:

                           Clayton, Dubilier & Rice Fund VI
                              Limited Partnership
                           1403 Foulk Road, Suite 106

                                        9
<Page>

                           Wilmington, Delaware  19803
                           Attention:  General Partner

     All such notices and communications shall be deemed to have been received
on the date of delivery or on the third business day after the mailing thereof.
Copies of any notice or other communication given under this Agreement shall
also be given to:

                           Clayton, Dubilier & Rice, Inc.
                           375 Park Avenue
                           New York, New York  10152
                           Attention:  Kevin J. Conway

     and

                           Debevoise & Plimpton
                           919 Third Avenue
                           New York, New York  10022
                           Attention:  Paul S. Bird, Esq.

     (b)  BINDING EFFECT; BENEFITS. This Agreement shall be binding upon and
inure to the benefit of the parties to this Agreement and their respective
successors and assigns. Nothing in this Agreement, express or implied, is
intended or shall be construed to give any person other than the parties to this
Agreement or their respective successors or assigns any legal or equitable
right, remedy or claim under or in respect of any agreement or any provision
contained herein.

     (c)  WAIVER; AMENDMENT.

          (i) WAIVER. Either party may by written notice to the other (A) extend
     the time for the performance of any of the obligations or other actions of
     the other under this Agreement, (B) waive compliance with any of the
     conditions or covenants of the other contained in this Agreement, and (C)
     waive or modify performance of any of the obligations of the other under
     this Agreement. Except as provided in the preceding sentence, no action
     taken pursuant to this Agreement, including, without limitation, any
     investigation by or on behalf of either party, shall be deemed to
     constitute a waiver by the party taking such action of compliance with any
     representations, warranties, covenants or agreements contained herein. The
     waiver by either party of a breach of any provision of this Agreement shall
     not operate or be construed as a waiver of any preceding or succeeding
     breach and no failure by either party to exercise any right or privilege
     hereunder shall be deemed a waiver of such party's rights or privileges
     hereunder or shall be deemed a waiver of such party's rights to exercise
     the same at any subsequent time or times hereunder.

                                       10
<Page>

          (ii) AMENDMENT. This Agreement may be amended, modified or
     supplemented only by a written instrument executed by the Purchaser and the
     Company.

     (d)  ASSIGNABILITY. Neither this Agreement nor any right, remedy,
obligation or liability arising under or by reason of this Agreement shall be
assignable by the Company or the Purchaser without the prior written consent of
the other party.

     (e)  APPLICABLE LAW. This Agreement shall be governed by and construed in
accordance with the law of the State of New York.

     (f)  SECTION AND OTHER HEADINGS, ETC. The section and other headings
contained in this Agreement are for reference purposes only and shall not affect
the meaning or interpretation of this Agreement.

     (g)  COUNTERPARTS. This Agreement may be executed in any number of
counterparts, each of which shall be deemed to be an original and all of which
together shall constitute one and the same instrument.

                                       11
<Page>

     IN WITNESS WHEREOF, the Company and the Purchaser have duly executed this
Agreement by their authorized representatives as of the date first above
written.

                          SIRVA, INC.

                          By:  /s/ Robert J. Henry
                               ------------------------------
                          Name:    Robert J. Henry
                          Title:   Assistant Secretary

                          CLAYTON, DUBILIER & RICE FUND VI
                            LIMITED PARTNERSHIP

                          By:      CD&R Associates VI Limited Partnership,
                                   its general partner

                                   By:      CD&R Investment Associates VI,
                                            Inc., its managing general partner

                                            By:  /s/ Donald J. Gogel
                                                 -------------------------------
                                            Name:    Donald J. Gogel
                                            Title:   President and CEO,
                                                     Assistant Secretary and
                                                     Assistant Treasurer

                                       12

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