Document:

<PAGE>

                              FOURTH AMENDMENT TO
                               CREDIT AGREEMENT
                               ----------------

        THIS FOURTH AMENDMENT TO CREDIT AGREEMENT (this "Fourth Amendment") is
dated as of the 29th day of March, 2000 and entered into by and among U.S.
XPRESS ENTERPRISES, INC., a Nevada corporation (the "Borrower"), the BANKS
listed on the signature pages hereof (the "Lenders"), WACHOVIA BANK, N.A., as
Administrative Agent, BANK OF AMERICA, N.A., f/k/a NationsBank, N.A. as
Syndication Agent, FLEET NATIONAL BANK, f/k/a BANKBOSTON, N.A. as Documentation
Agent, and SUNTRUST BANK, successor in interest to SunTrust Bank, Chattanooga,
as Co-Agent (collectively, the "Agents").

                             W I T N E S S E T H:
                             -------------------

        WHEREAS, the parties hereto are parties to that certain Credit
Agreement, dated as of January 15, 1998, as amended by that certain First
Amendment to Credit Agreement dated as of August 11, 1998, as further amended by
that certain Second Amendment to Credit Agreement dated as of August 28, 1998,
and as further amended by that certain Third Amendment to Credit Agreement dated
as of February 22, 2000 (as such Credit Agreement may be amended from time to
time, the "Credit Agreement"); and

        WHEREAS, the Borrower has requested that the Lenders amend the Credit
Agreement to permit certain Investments by the Borrower;

        NOW, THEREFORE, for and in consideration of the above premises and other
good and valuable consideration, the receipt and sufficiency of which hereby is
acknowledged by the parties hereto, the Borrower, the Agents and the Lenders
hereby agree as follows:

        1.  Amendments. Section 6.17 of the Credit Agreement is hereby amended
            ----------
and restated in its entirety as follows:

            Section 6.17. Investments. Neither the Borrower nor any of its
                          -----------
        Subsidiaries shall make Investments in any Person except as permitted by
        Section 6.16 and except Investments in (i) direct obligations of the
        United States Government maturing within one year, (ii) certificates of
        deposit issued by a commercial bank whose credit is satisfactory to the
        Administrative Agent, (iii) commercial paper rated A1 or the equivalent
        thereof by S&P or PI or the equivalent thereof by Moody's and in either
        case maturing within 6 months after the date of acquisition, (iv) tender
        bonds the payment of the principal of and interest on which is fully
        supported by a letter of credit issued by a United States bank whose
        long-term certificates of deposit are rated at least AA or the
        equivalent thereof by S&P and Aa or the equivalent thereof by Moody's,
        (v) acquisitions of the stock of a Person permitted by Section 6.25, or
        (vi) Transplace.com, consisting of cash and certain intangible assets
        (collectively, the "Transplace Investment"), so long as (a) the cash
        portion of the Transplace Investment does not exceed Five Million
        Dollars ($5,000,000), in the aggregate, and (b) the ownership interest
        of Borrower in Transplace.com and the other terms of the Transplace
        Investment are substantially as described by the Borrower to the
        Administrative Agent and to the Banks in written correspondence provided
        by the Borrower, and in conferences held with the Borrower, prior to
        March 29, 2000; provided, however, immediately after giving effect to
                        --------  -------
        the
<PAGE>

        making of any Investment, no Default shall have occurred and be
        continuing.

        2.  Conditions Precedent. This Fourth Amendment and the obligations of
            --------------------
the Lenders evidenced hereunder shall not be effective until the execution and
delivery of this Fourth Amendment by each of the parties hereto and until the
Administrative Agent shall have received a Reaffirmation of Guaranty from each
Subsidiary in substantially the form of Exhibit A-1 hereto.

        3.  Reference to and Effect on the Credit Agreement and the Other Loan
            ------------------------------------------------------------------
            Documents.
            ---------

            (a) On and after the date hereof, each reference in the Credit
Agreement to "this Agreement," "hereunder," "hereof," "herein" 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.

            (b) Except as specifically amended by this Fourth Amendment, the
Credit Agreement and the other Loan Documents shall remain in full force and
effect and are hereby ratified and confirmed.

            (c) The execution, delivery and performance of this Fourth Amendment
shall not, except as expressly provided herein, constitute a waiver of any
provision of, or operate as a waiver of any right, power or remedy of the
Administrative Agent or any Lender under the Credit Agreement or any of the
other Loan Documents.

        4.  Counterparts. This Fourth Amendment may be executed in any number of
            ------------
counterparts and by different parties hereto in separate counterparts, each of
which when so executed and delivered shall be deemed to be an original and all
of which counterparts, taken together, shall constitute but one and the same
instrument.

        5.  Section References. Section titles and references used in this
            ------------------
Fourth Amendment shall be without substantive meaning or content of any kind
whatsoever and are not a part of the agreements among the parties hereto
evidenced hereby.

        6.  No Default; Reaffirmation of Representations and Warranties. To
            -----------------------------------------------------------
induce the Agents and the Lenders to enter into this Fourth Amendment and to
continue to make advances pursuant to the Credit Agreement, the Borrower hereby
acknowledges and agrees that, as of the date hereof, and after giving effect to
the terms hereof, there exists (i) no Default or Event of Default thereunder,
(ii) no right of offset, defense, counterclaim, claim or objection in favor of
the Borrower arising out of or with respect to any of the loans or other
obligations of the Borrower owed to the Agents and the Lenders under the Credit
Agreement and other Loan Documents, and (iii) all of the representations and
warranties made or deemed to be made under the Credit Agreement are materially
true and correct as of the date of this Fourth Amendment.

        7.  Governing Law. This Fourth Amendment shall be governed by and
            -------------
construed and interpreted in accordance with, the laws of the State of Georgia
without giving effect to any conflict or choice of laws principles.

        8.  Defined Terms. Terms not otherwise defined herein are used herein as
            -------------
defined in the Credit Agreement.
<PAGE>

                                        By:
                                        Title:

                                        FIRST TENNESSEE BANK, N.A.

                                        By:
                                        Title:
<PAGE>

                                  EXHIBIT A-1

                           REAFFIRMATION OF GUARANTY

        THIS REAFFIRMATION OF GUARANTY dated as of March 29, 2000 executed and
delivered by U.S. Xpress, Inc., a Nevada corporation, CSI/Crown, Inc., a Georgia
corporation, JTI, Inc. a Tennessee corporation, Xpress Air, Inc., a Tennessee
corporation, U.S. Xpress Leasing, Inc., a Tennessee corporation, PST Acquisition
Corp., a Nevada corporation, and Victory Express, Inc., a Ohio corporation,
(each a "Guarantor", and collectively, the "Guarantors"), in favor of the
Administrative Agent, for the ratable benefit of the Banks, under the Credit
Agreement referred to below;

        WHEREAS, pursuant to that certain Credit Agreement dated as of January
15, 1998 (as the same may be amended, modified, supplemented or extended from
time to time, the "Credit Agreement") by and among U.S. XPRESS ENTERPRISES,
INC., a Nevada corporation (the "Borrower") and WACHOVIA BANK, N.A., as
Administrative Agent (the "Administrative Agent"), BANK OF AMERICA, N.A. f/k/a
NATIONSBANK, N.A., a Syndication Agent, FLEET NATIONAL BANK f/k/a BANKBOSTON,
N.A., as Documentation Agent, and SUNTRUST BANK, successor in interest to
SunTrust Bank, Chattanooga, as Co-Agent and certain other Banks from time to
time party thereto, the Banks have made available to the Borrower certain
financial accommodations on the terms and conditions set forth in the Credit
Agreement;

        WHEREAS, in connection with the Credit Agreement, each Guarantor
executed and delivered a Guaranty dated as of January 15, 1998 (the "Guaranty")
in favor of the Administrative Agent, providing for each such Guarantor's joint
and several guaranty of repayment of an amount of the indebtedness and
obligations of the Borrowers owing to the Administrative Agent and the Banks
equal to the "Guaranteed Obligations" as that term is defined in the Guaranty;

        WHEREAS, the Borrower, the Banks, and the Administrative Agent have
entered into that certain Fourth Amendment to Credit Agreement dated as of the
date hereof (the "Amendment"), to permit certain Investments by the Borrower;

        WHEREAS, each Guarantor has reviewed the Amendment;

        WHEREAS, it is a condition precedent to the effectiveness of the
Amendment that each Guarantor execute and deliver this Reaffirmation of
Guaranty;

        NOW THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which each Guarantor hereby acknowledges, each Guarantor hereby
agrees as follows:

        Section 1. Reaffirmation. Each Guarantor hereby reaffirms its continuing
obligations to the Administrative Agent and the Banks under the Guaranty and
agrees that neither the transactions contemplated by the Amendment, nor any
future agreements or arrangements whatsoever by the Administrative Agent and the
Banks with the Borrower relating to the Credit Agreement, any of the other Loan
Documents, or any collateral thereunder, shall in any way affect the validity
and enforceability of the Guaranty or reduce, impair or discharge the
obligations of the Guarantor thereunder.
<PAGE>

        Section 2. References. Each Guarantor agrees that each reference to the
Credit Agreement or any of the other Loan Documents shall be deemed to be a
reference to the Credit Agreement or such other Loan Document as amended by the
Amendment, and as each may from time to time be further amended, supplemented,
restated or otherwise modified in the future by one or more other written
amendments or supplemental or modification agreements entered into pursuant to
the applicable provisions of the respective Loan Document.

        Section 3. Defined Terms. Terms not otherwise defined herein are used
herein as defined in the Credit Agreement.

        IN WITNESS WHEREOF, this Reaffirmation of Guaranty is signed, sealed and
delivered as of the date first written above.

U.S. XPRESS, INC.                               U.S. XPRESS LEASING, INC.

By:                                             By:
Title:                                          Title:

CSI/CROWN, INC.                                 PST ACQUISITION CORP.

By:                                             By:
Title:                                          Title:

JTI, INC.                                       VICTORY EXPRESS, INC.

By:                                             By:
Title:                                          Title:

XPRESS AIR, INC.

By:
Title:AMENDMENT NO. 1
                                       TO
                AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT

          AMENDMENT  NO. 1 TO AMENDED AND RESTATED  LOAN AND SECURITY  AGREEMENT
("AMENDMENT")  dated as of March 28, 2000, is among KMC TELECOM INC., a Delaware
corporation  ("KMC"),  KMC TELECOM II, INC., a Delaware  corporation ("KMC II"),
KMC TELECOM  III,  INC.,  a Delaware  corporation  ("KMC  III"),  KMC TELECOM OF
VIRGINIA, INC., a Virginia public service company ("KMC VIRGINIA"),  KMC TELECOM
LEASING I LLC, a Delaware limited  liability  company ("LEASING I"), KMC TELECOM
LEASING II LLC, a Delaware limited liability company ("LEASING II"), KMC TELECOM
LEASING III LLC, a Delaware  limited  liability  company  ("LEASING  III"),  KMC
TELECOM.COM, INC., a Delaware corporation ("TELECOM.COM"); KMC III SERVICES LLC,
a Delaware  limited  liability  company  ("SERVICES";  KMC, KMC II, KMC III, KMC
Virginia,  Leasing I , Leasing II, Leasing III,  Telecom.com  and Services being
hereinafter  collectively  referred  to  hereinafter  as the  "BORROWERS"),  the
financial institutions from time to time parties thereto (the "LENDERS"),  FIRST
UNION NATIONAL BANK, as  administrative  agent for the Lenders (the "AGENT") and
NEWCOURT COMMERCIAL FINANCE CORPORATION, an affiliate of The CIT Group, Inc., as
collateral  agent for the Lenders (the  "COLLATERAL  AGENT";  the Agent together
with the Collateral Agent being referred to as the "AGENTS").

          WHEREAS, the Borrowers, the Agents and the Lenders are parties to that
certain Amended and Restated Loan and Security  Agreement (the "LOAN AGREEMENT";
undefined capitalized terms used herein shall have the meanings assigned thereto
in the Loan  Agreement)  dated as of February  15,  2000,  pursuant to which the
Lenders have agreed to make certain "Loans" and other  financial  accommodations
to the Borrowers; and

          WHEREAS,  the Borrowers have requested that the Agents and the Lenders
amend the Loan Agreement in the manner set forth herein,  and the Agents and the
Lenders have agreed to such request;

          NOW, THEREFORE,  in consideration of the premises set forth above, and
for other good and valuable consideration,  the receipt and sufficiency of which
are hereby  acknowledged,  the  Borrowers,  the Agents and the Lenders  agree as
follows:

          1.  AMENDMENT  TO THE LOAN  AGREEMENT.  Effective as of the date first
above  written and subject to the  execution  of this  Amendment  by the parties
hereto, the Loan Agreement shall be and hereby is amended as follows:

          1.1 SECTION 1.02 is hereby amended to delete the proviso  contained in
the definition of "Applicable Margin" and to substitute the following therefor:

          "provided, however, in the event that the Required Contribution is not
obtained  on or prior to July 31,  2000,  each such  margin  shall be  increased
beginning  on August  1, 2000 and  continuing  until  such time as the  Required
Contribution has been obtained, by 100 basis points."

                                       1

<PAGE>

          1.2 SECTION  1.02 is hereby  further  amended to delete the proviso to
the   definition   of   "TERM   B   LOAN   COMMITMENT   AMOUNT".

          1.3 SECTION 1.02 is hereby  further  amended to add the  following new
definition in the appropriate alphabetical location:

          "KMC  HOLDINGS  STOCK SALE" shall mean the sale to one or more Persons
of at least $100,000,000 of Equity Interests in KMC Holdings,  which may include
the sale of redeemable,  exchangeable  preferred Equity Interests with terms and
conditions  substantially  as  described  in  Exhibit A to that  certain  letter
agreement dated March 22, 2000 between Lucent and KMC Holdings.

          1.4 SECTION  2.02(A) is hereby  amended to delete clause (II) thereof.

          1.5   SECTION   2.02(D)  is  hereby   amended  to  delete  the  amount
$200,000,000 in clause (II) thereof,  and to replace such amount with the amount
$241,000,000.

          1.6  SECTION  2.05(B)  is hereby  amended  to delete  the  penultimate
sentence thereof.

          1.7  SECTION  5.18 is  amended  to  delete  the  text  thereof  and to
substitute the following therefor:

          "The Borrowers  shall obtain the Required  Contribution on or prior to
April 1, 2001."

          1.8 SECTION  6.08(7) is hereby  amended to delete the date "August 31,
2000" and to substitute therefor the date "April 1, 2001".

          1.9 SECTION  7.01(A) is hereby  amended to add the following  sentence
thereto:

          "In the  calculation of such ratio,  the amount of  unrestricted  cash
balances of the  Borrowers in excess of  $20,000,000  shall be  subtracted  from
Total Debt."

          2. CONDITIONS  PRECEDENT.  This Amendment shall become effective as of
the date above written, if, and only if, the Agents have received on or prior to
March 30, 2000,  duly executed  originals of this  Amendment from the Borrowers,
the Requisite Lenders and the Agents,  and duly executed  originals of Amendment
No. 1 to the KMC Holdings Guaranty from KMC Holdings.

          3.  REPRESENTATIONS  AND  WARRANTIES OF THE  BORROWERS.  The Borrowers
hereby represent and warrant as follows:

          (a)  This  Amendment  and  the  Loan  Agreement,  as  amended  hereby,
constitute  legal,  valid  and  binding  obligations  of the  Borrowers  and are
enforceable against the Borrowers in accordance with their terms.

          (b) Upon the  effectiveness  of this Amendment,  the Borrowers  hereby
reaffirm all representations  and warranties made in the Loan Agreement,  and to
the extent the same are not amended hereby,  agree that all such representations

                                       2
<PAGE>

and warranties shall be deemed to have been remade as of the date of delivery of
this  Amendment,  unless  and to the  extent  that any such  representation  and
warranty  is stated to relate  solely to an  earlier  date,  in which  case such
representation and warranty shall be true and correct as of such earlier date.

          (c) As of the date hereof,  and after giving effect to this Amendment,
each Borrower shall be in compliance with all the terms and provisions set forth
in the  Loan  Agreement,  as  amended  hereby,  on its  part to be  observed  or
performed,  and no Event of  Default  or  Default  shall  have  occurred  and be
continuing.

          4. Reference to and Effect on the Loan Agreement.

          (a) Upon the  effectiveness of Section 1 hereof, on and after the date
hereof,  each  reference  in  the  Loan  Agreement  to  "this  Loan  Agreement,"
"hereunder,"  "hereof,"  "herein"  or words of like  import  shall mean and be a
reference to the Loan  Agreement as amended  hereby,  and each  reference to the
Loan Agreement in any other document,  instrument or agreement shall mean and be
a reference to the Loan Agreement as modified hereby.

          (b) The Loan Agreement,  as amended hereby,  and all other  documents,
instruments and agreements  executed and/or  delivered in connection  therewith,
shall remain in full force and effect, and are hereby ratified and confirmed.

          (c) Except as expressly provided herein,  the execution,  delivery and
effectiveness  of this  Amendment  shall not  operate  as a waiver of any right,
power or remedy of the Agents or the  Lenders,  nor  constitute  a waiver of any
provision  of  the  Loan  Agreement  or any  other  documents,  instruments  and
agreements executed and/or delivered in connection therewith.

          5. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN
ACCORDANCE WITH THE OTHER REMAINING TERMS OF THE LOAN AGREEMENT AND THE INTERNAL
LAWS (AS OPPOSED TO CONFLICT OF LAW PROVISIONS) OF THE STATE OF NEW YORK.

          6.  PARAGRAPH  HEADINGS.  The  paragraph  headings  contained  in this
Amendment  are and shall be  without  substance,  meaning or content of any kind
whatsoever and are not a part of the agreement among the parties thereto.

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

                                       3
<PAGE>

          IN WITNESS  WHEREOF,  this  Amendment has been duly executed as of the
day and year first above written.

          THE BORROWERS:

                                      KMC TELECOM INC.

                                      KMC TELECOM II, INC.

                                      KMC TELECOM III, INC.

                                      KMC TELECOM OF VIRGINIA, INC.

                                      KMC TELECOM.COM, INC.

                                      In each case:

                                      By:     /s/ William H. Stewart
                                             ----------------------------
                                      Name:  William H. Stewart
                                      Title: CFO

                                      KMC TELECOM LEASING I LLC
                                      By:  KMC TELECOM INC., as its Sole Member

                                      By:     /s/ William H. Stewart
                                             ----------------------------
                                      Name:  William H. Stewart
                                      Title: CFO

                                      KMC TELECOM LEASING II LLC
                                      By:  KMC TELECOM II, INC., as its Sole
                                           Member

                                      By:     /s/ William H. Stewart
                                             ----------------------------
                                      Name:  William H. Stewart
                                      Title: CFO

                                       4
<PAGE>

                                      KMC TELECOM LEASING III LLC

                                      KMC III SERVICES LLC

                                      In each case:

                                      By:  KMC TELECOM III, INC., as its Sole
                                           Member

                                      By:     /s/ William H. Stewart
                                             ----------------------------
                                      Name:  William H. Stewart
                                      Title: CFO

                                      FIRST UNION NATIONAL BANK, as the
                                      Agent and as a Lender

                                      By:     /s/ Mark L. Cook
                                             ------------------------------
                                      Name:  Mark L. Cook
                                      Title: Senior Vice President

                                      NEWCOURT  COMMERCIAL FINANCE CORPORATION
                                      (f/k/a    AT&T    COMMERCIAL     FINANCE
                                      CORPORATION),  an  affiliate  of The CIT
                                      Group, Inc., as the Collateral Agent and
                                      as a Lender

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

                                      CANADIAN IMPERIAL BANK OF COMMERCE,
                                      as a Lender

                                      By:     /s/ Ellen Marshall
                                             ------------------------------
                                      Name:  Ellen Marshall
                                      Title: Managing Director
                                             CIBC World Markets Corp., as Agent

                                       5
<PAGE>

                                      GENERAL ELECTRIC CAPITAL CORPORATION,
                                      as a Lender

                                      By:     /s/ Mark F. Mylon
                                             ------------------------------
                                      Name:  Mark F. Mylon
                                      Title: Manager-Operations

                                      LUCENT TECHNOLOGIES INC., as a Lender

                                      By:     /s/  Dina Fede
                                             ------------------------------
                                      Name:  Dina Fede
                                      Title: Director

                                      BANKBOSTON, N.A., as a Lender

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

                                      CREDIT SUISSE FIRST BOSTON, as a Lender

                                      By:     /s/ Joel Glodowski
                                             ------------------------------
                                      Name:  Joel Glodowski
                                      Title: Managing Director

                                      By:     /s/ Robert Hetu
                                             ------------------------------
                                      Name:  Robert Hetu
                                      Title: Vice President

                                      DRESDNER BANK AG NEW YORK AND GRAND
                                      CAYMAN BRANCHES, as a Lender

                                      By:     /s/ William F. Lernbert
                                             ------------------------------
                                      Name:  William F. Lernbert
                                      Title: Vice President

                                      By:     /s/ Brian Schneider
                                             ------------------------------
                                      Name:  Brian Schneider
                                      Title: Assistant Vice President

                                       6
<PAGE>

                                      MORGAN STANLEY SENIOR FUNDING, INC.,
                                      as a Lender

                                      By:     /s/ T. Morgan Edwards II
                                             ------------------------------
                                      Name:  T. Morgan Edwards II
                                      Title: Vice President

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

                                      MORGAN STANLEY DEAN WITTER PRIME
                                      INCOME TRUST, as a Lender

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

                                      UNION BANK OF CALIFORNIA, N.A.,
                                      as a Lender

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

                                      KEYPORT LIFE INSURANCE COMPANY,
                                      as a Lender

                                      By:     /s/ James R. Fellows
                                             ------------------------------
                                      Name:  James R. Fellows
                                      Title: Vice President

                                      STEIN ROE FLOATING RATE LIMITED LIABILITY
                                      COMPANY, as a Lender

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

                                       7
<PAGE>

                            REAFFIRMATION OF GUARANTY

          Reference  is hereby  made to (i) that  certain  Guaranty  dated as of
December 22, 1998 (as amended, restated, supplemented or otherwise modified from
time to  time,  the  "GUARANTY")  by KMC  Telecom  Holdings,  Inc.,  a  Delaware
corporation  (the  "GUARANTOR"),   in  favor  of  Newcourt   Commercial  Finance
Corporation,  an affiliate of The CIT Group,  Inc., as collateral  agent for the
ratable  benefit  of the  "Lenders"  (defined  below)  (in  such  capacity,  the
"COLLATERAL  AGENT"),  (ii) that certain  Amended and Restated Loan and Security
Agreement dated as of February 15, 2000 (as amended,  restated,  supplemented or
otherwise  modified from time to time, the "LOAN  AGREEMENT") among KMC Telecom,
Inc.,  KMC Telecom II,  Inc.,  KMC Telecom III,  Inc.,  KMC Telecom of Virginia,
Inc., KMC Telecom Leasing I LLC, KMC Telecom Leasing II LLC, KMC Telecom Leasing
III LLC, KMC  Telecom.com,  KMC III Services  LLC (each of the  foregoing  being
referred to collectively as the  "BORROWERS"),  the financial  institutions from
time to time parties  thereto (the  "LENDERS"),  First Union  National  Bank, as
administrative  agent for the Lenders (the "AGENT"),  and the Collateral  Agent,
and (iii) that certain  Amendment No.1 to Amended and Restated Loan and Security
Agreement dated as of March 28, 2000 (the "AMENDMENT") among the Borrowers,  the
Lenders, the Agent and the Collateral Agent.

          The Guarantor, by its signature below, without in any way establishing
a course of dealing,  hereby (i)  acknowledges and consents to the execution and
delivery of the Amendment by the parties thereto, (ii) agrees that the Amendment
shall not limit or diminish the obligations of the Guarantor to guarantee all of
the  "Obligations"  of each Borrower  under and as defined in the Loan Agreement
and such other amounts as are more specifically described in the Guaranty, (iii)
reaffirms all of its  obligations  under the Guaranty,  and (iv) agrees that the
Guaranty remains in full force and effect and is hereby ratified and confirmed.

          IN WITNESS WHEREOF, this instrument has been executed and delivered as
of this 28th day of March, 2000.

                               KMC TELECOM HOLDINGS, INC.

                               By:     /s/ William H. Stewart
                                      ----------------------------

                               Name:  William H. Stewart

                               Title: CFO and Executive Vice President

                                       8

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