Document:

<PAGE>

Exhibit 10.11

                                 FIRST AMENDMENT
                                       TO
                              TIB BANK OF THE KEYS
                             SPLIT DOLLAR AGREEMENT

         THIS AMENDMENT is made and entered into this 16th day of December,
2003, by and between TIB BANK OF THE KEYS, a state-chartered commercial bank
located in Key Largo, Florida (the "Company"), and ________ (the "Executive").

         The Company and the Executive executed the Split-Dollar Agreement on
___________ (the "Agreement").

         The Company and the Executive, in accordance with Article 7 of the
Agreement, agree to eliminate all post-retirement split-dollar benefits by
amending the Agreement as follows:

                             AMENDMENTS TO ARTICLE 1

         Section 1.5 of the Agreement on "Normal Retirement Age" shall be
deleted in its entirety and replaced with nothing.

                             AMENDMENTS TO ARTICLE 2

         Section 2.2 of the Agreement shall be deleted in its entirety and
replaced by section 2.2 below:

         2.2 Executive's Interest. The Executive shall have the right to
designate the beneficiary of any remaining death proceeds of the Policy. The
Executive shall also have the right to elect and change settlement options that
may be permitted. Provided, however, the Executive, the Executive's transferee
or the Executive's beneficiary shall have no rights or interests in the Policy
with respect to that portion of the death proceeds designated in this section
2.2 upon the Executive's Termination of Service prior to a Change of Control.

         Section 2.4 of the Agreement on "Comparable Coverage" shall be deleted
in its entirety and replaced by section 2.4 below:

         2.4 So long as this Agreement remains in force, the Company shall
maintain the Policy in full force and effect and in no event shall the Company
amend, terminate or otherwise abrogate the Executive's interest in the Policy,
unless the Company replaces the Policy with a comparable insurance policy to
cover the benefit provided under this Agreement. The Policy or any comparable
policy shall be subject to the claims of the Company's creditors.

                             AMENDMENTS TO ARTICLE 7

          Article 7 shall be deleted in its entirety and replaced by Article 7
below:

                                    ARTICLE 7
                           AMENDMENTS AND TERMINATION

       This Agreement may be amended or terminated by the Company at any time
prior to a Change of Control. However, subsequent to a Change of Control, the
Agreement may be amended or terminated only by a written agreement signed by the
Company and the Executive.

<PAGE>

       IN WITNESS WHEREOF, the parties have executed this Amendment the day and
year first above written.

EXECUTIVE:                                      COMPANY:

                                                TIB BANK OF THE KEYS

_____________________________       BY___________________________________

                                    TITLE _______________________________<PAGE>

Exhibit 10.12

                                 FIRST AMENDMENT
                                       TO
                              TIB BANK OF THE KEYS
                             SPLIT DOLLAR AGREEMENT

         THIS AMENDMENT is made and entered into this 16th day of December,
2003, by and between TIB BANK OF THE KEYS, a state-chartered commercial bank
located in Key Largo, Florida (the "Company"), and ___________ (the "Director").

         The Company and the Director executed the Split-Dollar Agreement on
_____________ (the "Agreement").

         The Company and the Director, in accordance with Article 7 of the
Agreement, agree to eliminate all post-retirement split-dollar benefits by
amending the Agreement as follows:

                             AMENDMENTS TO ARTICLE 1

         Section 1.5 of the Agreement on "Normal Retirement Age" shall be
deleted in its entirety and replaced with nothing.

                             AMENDMENTS TO ARTICLE 2

         Section 2.2 of the Agreement shall be deleted in its entirety and
replaced by section 2.2 below:

         2.2 Director's Interest. The Director shall have the right to designate
the beneficiary of any remaining death proceeds of the Policy. The Director
shall also have the right to elect and change settlement options that may be
permitted. Provided, however, the Director, the Director's transferee or the
Director's beneficiary shall have no rights or interests in the Policy with
respect to that portion of the death proceeds designated in this section 2.2
upon the Director's Termination of Service prior to a Change of Control.

         Section 2.4 of the Agreement on "Comparable Coverage" shall be deleted
in its entirety and replaced by section 2.4 below:

         2.4 So long as this Agreement remains in force, the Company shall
maintain the Policy in full force and effect and in no event shall the Company
amend, terminate or otherwise abrogate the Director's interest in the Policy,
unless the Company replaces the Policy with a comparable insurance policy to
cover the benefit provided under this Agreement. The Policy or any comparable
policy shall be subject to the claims of the Company's creditors.

                             AMENDMENTS TO ARTICLE 3

         Section 3.3 of the Agreement shall be deleted in its entirety and
replaced by section 3.3 below:

         3.3 Cash Payment. The Company shall annually pay to the Director an
amount necessary to pay the federal and state income taxes attributable to the
imputed income and to the additional cash payments under this section. In
calculating the cash payments due from the Company, the Company shall use the
Director's actual marginal income tax bracket for the calendar year immediately
preceding the payment to the Director. The cash payments shall cease as of the
date of Termination of Service.

<PAGE>

                             AMENDMENTS TO ARTICLE 7

          Article 7 shall be deleted in its entirety and replaced by Article 7
below:

                                    ARTICLE 7
                           AMENDMENTS AND TERMINATION

         This Agreement may be amended or terminated by the Company at any time
prior to a Change of Control. However, subsequent to a Change of Control, the
Agreement may be amended or terminated only by a written agreement signed by the
Company and the Director.

       IN WITNESS WHEREOF, the parties have executed this Amendment the day and
year first above written.

DIRECTOR:                                       COMPANY:

                                                TIB BANK OF THE KEYS

                                    BY___________________________________

______________________              TITLE _______________________________<PAGE>
                                                                   EXHIBIT 10.13

               AMENDMENT NO. 6 TO REVOLVING CREDIT AGREEMENT

                           Dated as of March 25, 2004

         This AMENDMENT NO. 6 TO REVOLVING CREDIT AGREEMENT, dated as of March
25, 2004 (this "Amendment"), amends that certain Revolving Credit Agreement,
dated as of December 22, 1997 (as amended and in effect from time to time, the
"Credit Agreement"), by and among PERKINS FAMILY RESTAURANTS, L.P., a Delaware
limited partnership ("Perkins"). THE RESTAURANT COMPANY, a Delaware corporation
("TEC"). PERKINS RESTAURANTS, INC., a Minnesota corporation ("PRI"). and
PERKINS MANAGEMENT COMPANY, INC., a Delaware corporation ("PMC"), and PERKINS
FINANCE CORP., a Delaware corporation (together with TRC, PRI and PMC, the
"Original Guarantors"). FLEET NATIONAL BANK (f/k/a BankBoston, N.A.), a
national banking association and the other lending institutions listed on
Schedule 1 thereto (the "Banks"). FLEET NATIONAL BANK (f/k/a BankBoston, N.A.),
as agent and administrative agent for the Banks (the "Agent"), and BANK OF
AMERICA, N.A. (f/k/a Nationsbank, N.A.), as Syndication Agent (the "Syndication
Agent"). All capitalized terms used herein without definitions shall have the
meanings given such terms in the Credit Agreement.

         WHEREAS, pursuant to the Joinder and Amendment No. 2, dated as of
December 20, 1999, by and among Perkins, the Original Guarantors, the Banks,
the Agent and the Syndication Agent, TRC joined the Credit Agreement and the
Loan Documents and agreed to become a Borrower under the Credit Agreement and
to comply with and be bound by all of the terms, conditions and covenants of
the Credit Agreement and Loan Documents applicable to it as a Borrower;

         WHEREAS, as of the Merger Date, Perkins, PRI and PMC merged with and
into TRC such that TRC became the sole Borrower under the Credit Agreement (TRC
is hereinafter referred to as the "Borrower");

         WHEREAS, pursuant to a Guaranty, dated as of December 20, 1999, by The
Restaurant Holding Corporation ("TRHC") in favor of the Agent and the Banks,
TRHC has guaranteed all of the Borrower's obligations to the Banks and the
Agent under or in respect of the Credit Agreement and the other Loan Documents
and became a Guarantor under the Credit Agreement;

         WHEREAS, pursuant to a Guaranty, dated as of September 30, 2000, by
The Restaurant Company of Minnesota ("TRCM") in favor of the Agent and the
Banks, TRCM has guaranteed all of the Borrower's obligations to the Banks and
the Agent under or in respect of the Credit Agreement and the other Loan
Documents and became a Guarantor under the Credit Agreement;

         WHEREAS, pursuant to a Guaranty, dated as of September 30, 2000, by
TRC Realty LLC in favor of the Agent and the Banks, TRC Realty LLC has
guaranteed all of the Borrower's obligations to the Banks and the Agent under
or in respect of the Credit Agreement and the other Loan Documents and became a
Guarantor under the Credit Agreement;

<PAGE>

         WHEREAS, the Borrower has requested that the Banks and the Agent agree
to amend certain of the terms of the Credit Agreement;

         WHEREAS, the Banks and the Agent have agreed to amend certain of the
terms of the Credit Agreement upon the conditions set forth herein;

         NOW THEREFORE, in consideration of the mutual agreements contained in
the Credit Agreement and herein and for other good and valuable consideration,
the receipt and sufficiency of which are hereby acknowledged, the parties
hereto agree as follows:

         SECTION 1.   AMENDMENTS TO CREDIT AGREEMENT.

         SECTION 1.1. LEVERAGE RATIO. The Credit Agreement is hereby amended by
deleting the table set forth in Section 11.1 thereof and substituting in lieu
thereof the following table:

<TABLE>
<CAPTION>
                 Period                                          Ratio
                 ------                                          ------
<S>                                                              <C>
             12/31/99 - 10/07/01                                 3.75:1
             10/08/01 - 04/21/02                                 4.50:1
             04/22/02 - 07/14/02                                 4.40:1
             07/15/02 - 10/06/02                                 4.30:1
             10/07/02 - 12/29/02                                 4.20:1
             12/30/02 - 12/28/03                                 4.00:1
             12/29/03 - 04/18/04                                 4.00:1
           04/19/04 and thereafter                               4.00:1
</TABLE>

         SECTION 1.2. CASH FLOW RATIO. The Credit Agreement is hereby further
amended by deleting the table set forth in Section 11.3 thereof and
substituting in lieu thereof the following table:

<TABLE>
<CAPTION>
                    Period                                       Ratio
                    ------                                       -----
<S>                                                              <C>
           Closing Date - 10/07/01                               1.25:1
             10/08/01 - 04/20/03                                 1.50:1
             04/21/03 - 04/18/04                                 1.15:1
           04/19/04 and thereafter                               1.15:1
</TABLE>

         SECTION 1.3. INTEREST COVERAGE RATIO. The Credit Agreement is hereby
further amended by deleting the table set forth in Section 11.4 thereof and
substituting in lieu thereof the following table:

<TABLE>
<CAPTION>
                    Period                                       Ratio
                    ------                                       -----
<S>                                                              <C>
             12/31/99 - 12/30/01                                 2.50:1
             12/31/01 - 12/29/02                                 2.25:1
             12/30/02 - 12/28/03                                 2.25:1
           12/29/03 and thereafter                               2.25:1
</TABLE>

<PAGE>

         SECTION 2. REPRESENTATIONS AND WARRANTIES. The Borrower and each of
the Guarantors jointly and severally represent and warrant to the Banks and the
Agent as follows:

         (a) Representations and Warranties in Credit Agreement. The
representations and warranties of the Borrower and the Guarantors contained in
the Credit Agreement, each as amended by this Amendment, (i) were true and
correct in all material respects when made, and (ii) except to the extent such
representations and warranties by their terms are made solely as of a prior
date, continue to be true and correct in all material respects on the date
hereof.

         (b) Authority. Etc. The execution and delivery by the Borrower and
each of the Guarantors of this Amendment and the performance by the Borrower
and each of the Guarantors of all of their agreements and obligations under
this Amendment and the Credit Agreement as amended hereby (i) are within the
corporate authority of the Borrower and each of the Guarantors, (ii) have been
duly authorized by all necessary corporate proceedings by the Borrower and each
of the Guarantors, (iii) do not conflict with or result in any breach or
contravention of any provision of law, statute, rule or regulation to which the
Borrower or any of the Guarantors is subject or any judgment, order, writ,
injunction, license or permit applicable to the Borrower or any of the
Guarantors, and (iv) do not conflict with any provision of any corporate
charter or by-laws of, or any agreement or other instrument binding upon, the
Borrower or any Guarantor.

         (c) Enforceability of Obligations. This Amendment, and the Credit
Agreement as amended hereby, constitute the legal, valid and binding
obligations of the Borrower and each of the Guarantors enforceable against each
such Person in accordance with their respective terms. Immediately prior to and
immediately after and after giving effect to this Amendment, no Default or
Event of Default exists under the Credit Agreement or any other Loan Document.

         SECTION 3. AFFIRMATION OF BORROWER AND THE GUARANTORS.

         (a) The Borrower hereby affirms its absolute and unconditional promise
to pay to each Bank and the Agent the Obligations due under the Notes, the
Credit Agreement as amended hereby, and the other Loan Documents, at the times
and in the amounts provided for therein. The Borrower confirms and agrees that
(i) the Obligations of the Borrower to the Banks and the Agent under the Credit
Agreement as amended hereby are secured by and entitled to the benefits of the
Security Documents and (ii) all references to the term "Credit Agreement" in
the Security Documents shall hereafter refer to the Credit Agreement as amended
hereby.

         (b) Each of the Guarantors hereby acknowledges that it has read and is
aware of the provisions of this Amendment. Each of the Guarantors hereby
reaffirms its absolute and unconditional guaranty of the Borrower's payment and
performance of the Obligations to the Banks and the Agent under the Credit
Agreement, as amended hereby. Each of the Guarantors hereby confirms and agrees
that the Guaranty shall hereafter constitute a guaranty of the Obligations
under the Credit Agreement as amended hereby.

<PAGE>

         SECTION 4. CONDITIONS TO EFFECTIVENESS. This Amendment shall be
effective as of the date hereof upon the satisfaction of each of the following
conditions precedent:

         (a) The Agent shall have received an original counterpart signature to
this Amendment, duly executed and delivered by the Borrower, the Guarantors,
the Banks and the Agent; and

         (b) The Borrower shall have paid to the Agent, for the pro rata account
of each Bank that executes and delivers a copy of this Amendment to the Agent on
or prior to 5:00 p.m. (Eastern Standard Time) on March 25, 2004, a non-
refundable amendment fee in an amount equal to fifteen hundredths of one percent
(0.15%) on such Bank's Revolving Credit Commitment.

         SECTION 5. MISCELLANEOUS PROVISIONS.

         (a) Except as otherwise expressly provided by this Amendment, all of
the terms, conditions and provisions of the Credit Agreement shall remain the
same. It is declared and agreed by each of the parties hereto that the Credit
Agreement, as amended hereby, shall continue in full force and effect, and that
this Amendment and the Credit Agreement shall be read and construed as one
instrument. Nothing contained in this Amendment (i) shall be construed to imply
a willingness on the part of the Banks or the Agent to grant any similar or
other future amendment of any of the terms and conditions of the Credit
Agreement or the other Loan Documents and (ii) shall in any way prejudice,
impair or effect any rights or remedies of the Banks and the Agent under the
Credit Agreement or the other Loan Documents.

         (b) THIS AMENDMENT IS INTENDED TO TAKE EFFECT AS AN AGREEMENT UNDER
SEAL AND SHALL BE CONSTRUED ACCORDING TO AND GOVERNED BY THE LAWS OF THE
COMMONWEALTH OF MASSACHUSETTS.

         (c) This Amendment may be executed in any number of counterparts, but
all such counterparts shall together constitute but one instrument. In making
proof of this Amendment it shall not be necessary to produce or account for
more than one counterpart signed by each party hereto by and against which
enforcement hereof is sought.

         (d) Headings or captions used in this Amendment are for convenience of
reference only and shall not define or limit the provisions hereof.

         (e) The Borrower hereby agrees to pay to the Agent, on demand by the
Agent, all reasonable out-of-pocket costs and expenses incurred or sustained by
the Agent in connection with the preparation of this Amendment (including
reasonable legal fees and expenses).

                            [SIGNATURE PAGES FOLLOW]

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed this Amendment as
an agreement under seal as of the date first written above.

                                       THE RESTAURANT COMPANY

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

                                       THE RESTAURANT HOLDING CORPORATION,
                                       as Guarantor

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

                                       PERKINS FINANCE CORP., as Guarantor

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

                                       THE RESTAURANT COMPANY OF MINNESOTA,
                                       as Guarantor

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

                                       TRC REALTY LLC, as Guarantor

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

 Signature page to Amendment No. 6 to Revolving Credit Agreement

<PAGE>

                                       FLEET NATIONAL BANK (f/k/a BankBoston,
                                       N.A.), individually and as Agent

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

                                       BANK OF AMERICA, N.A. (f/k/a Nationsbank,
                                       N.A.), individually and as Syndication
                                       Agent

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

                                       AMSOUTH BANK (f/k/a First American
                                       National Bank)

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

                                       SUNTRUST BANK

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

Signature page to Amendment No. 6 to Revolving Credit Agreement

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