Document:

<PAGE>

                                                                     EXHIBIT 4.2

                            INVESTMENT ELECTION FORM
                            ------------------------
                        PARTICIPANT ELECTION TO INVEST IN
             WESTFIELD FINANCIAL, INC. STOCK ("EMPLOYER STOCK FUND")

If you would like to participate in the Offering using amounts currently in your
account in the Bank's 401(k) Plan, please complete this form and return it to
Victor J. Carra at the Bank's main office by no later than 10:00 a.m. on
November 29, 2001.

Participant's Name
(please print):                       Social Security Number:
               ----------------------                         ------------------

                                      SBERA Certificate Number:
                                                               -----------------

Address:
        ------------------------------------------------------------------------
        Street                          City              State        Zip Code

1.            Background Information

     Westfield Financial, Inc. will be issuing shares of common stock, par value
$0.01 per share (the "Common Stock"), to certain depositors and the public (the
"Offering") in connection with the reorganization of Westfield Bank from a
mutual holding company to a "two-tiered" stock holding company structure (the
"Reorganization").

     Participants in the Savings Bank Employees Retirement Association 401(k)
Plan as adopted by Westfield Bank (the "Plan") are being given an opportunity to
direct the trustee of the Plan (the "Trustee") to purchase Common Stock in the
Offering with amounts currently in their Plan account. In connection therewith,
a new investment fund under the Plan--the "Employer Stock Fund"--comprised
primarily of Common Stock is being established. Participants are also being
given the opportunity, after the Offering, to direct future pay deferrals under
the Plan to the Employer Stock Fund.

     Prior to making a decision to direct the Trustee to purchase Common Stock,
we strongly urge you to carefully review the Prospectus and the Summary Plan
Description that accompany this Investment Election Form. Your decision to
direct the transfer of amounts credited to your account balances to the Employer
Stock Fund in order to purchase shares of Common Stock in connection with the
Offering is irrevocable. Notwithstanding this irrevocability, Participants may
transfer out some or all of their shares in the Employer Stock Fund, if any, and
into one or more of the Plan's other investment funds at such times as are
provided for under the Plan's rules for such transfers.

     Investing in any stock entails some risks and we encourage you to discuss
your investment decision with your investment advisor. Neither the Trustee nor
the Plan Administrator is authorized to make any representations about this
investment. You should not rely on any information other than information
contained in the Prospectus and the Summary Plan Description in making your
investment decision.

     Any shares purchased by the Plan based on your election will be subject to
the conditions and restrictions otherwise applicable to Common Stock purchased
directly by you in the Offering. These restrictions are described in the
Prospectus.

2.            Investment Elections

     If you would like to participate in the Offering with amounts currently in
your 401(k) Plan, please indicate and what percentage of each of your current
funds you would like to transfer into the Employer Stock Fund below. In
calculating the number of shares of Common Stock that the Trustee will purchase
in the Offering based on your election, the Trustee will use your 401(k) account
balances as of the date on which your order is processed.

     In the event that the Trustee is unable to use the total amount that you
elect below to have transferred into the Employer Stock Fund to purchase Common
Stock due to an oversubscription in the Offering, the amount that is not
invested in the Employer Stock Fund will be reallocated among your other 401(k)
fund investments in the same manner that your current elective pay deferrals are
being allocated.

     Indicate the whole percentage to be transferred from one or more of the
                  -----
following funds into the Employer Stock Fund:

 Percentage   From Fund                Percentage   From Fund

          %   SBERA Money Market                %   Vanguard Index 500
---------                               --------

          %   SBERA Equity Account              %   Fidelity Enhanced Index
---------                               --------

          %   SBERA Bond Account                %   Putnam Small Cap Equity
---------                               --------

          %   SBERA Asset Account               %   Putnam International Equity
---------                               --------

Note: If you do not complete the information above, you will not participate in
      the Offering by using your 401(k) Plan funds.

3.            Purchaser Information

     The ability of participants in the Plan to purchase Common Stock in the
Reorganization and to direct their current account balances into the Employer
Stock Fund is based upon the participant's status as an Eligible Account Holder
or Supplemental Eligible Account Holder. Please indicate your status.

     a.       [_] Eligible Account Holder-Check here if you were a depositor
              with $50.00 or more on deposit with Westfield Bank as of December
              31, 1999.

     b.       [_] Supplemental Eligible Account Holder-Check here if you were a
              depositor with $50.00 or more on deposit with Westfield Bank as of
              December 31, 2000, but are not an Eligible Account Holder.

     c.       [_] Employee of Westfield Bank who does not otherwise qualify as
              an Eligible Account Holder or Supplemental Eligible Account
              Holder.

4.            Participant Signature and Acknowledgment - Required

By signing this Election Form, I authorize and direct the Plan Administrator and
Trustee to carry out my instructions. I acknowledge that I have been provided
with and have read a copy of the Prospectus and Summary Plan Description
relating to the issuance of Common Stock that accompany this Investment Election
Form. I am aware of the risks involved in investing in Common Stock and
understand that the Trustee and Plan Administrator are not responsible for my
choice of investment. I understand that my failure to sign this acknowledgment
will make this Investment Election Form null and void.

Participant's Signature:                                 Date Signed:
                        -------------------------------              ----------

     This form must be completed and returned to Victor J. Carra at the Bank's
main office by no later than 10:00 a.m. on November 29, 2001.

This Investment Election Form only covers the investment of your current account
balance in the 401(k) Plan in the Employer Stock Fund. If you would like to
invest future contributions in the Employer Stock Fund, you will need to change
your current investment elections by completing a new investment election form.
These forms are available from the Human Resources Department.<PAGE>

                                                                    EXHIBIT 10.1

                                AMENDMENT NO. 1
                                ---------------

          AMENDMENT NO. 1 (the "Amendment"), dated as of September 25, 2001, to
                                ---------
that certain First Amended and Restated Credit Agreement, dated as of December
29, 1997, amended and restated as of July 7, 2000 (the "Credit Agreement";
                                                        ----------------
capitalized terms used herein and not defined shall have the meaning set forth
in the Credit Agreement), among TUESDAY MORNING CORPORATION, a Delaware
corporation ("Borrower"), the guarantors party thereto (the "Guarantors"), the
              --------                                       ----------
lenders party thereto (the "Lenders"), MERRILL LYNCH & CO., MERRILL LYNCH,
PIERCE, FENNER & SMITH INCORPORATED, as arranger and syndication agent (the
"Arranger"), FLEET NATIONAL BANK, as administrative agent (the "Administrative
---------                                                       --------------
Agent"), and CREDIT LYONNAIS, as documentation agent.
-----

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

          WHEREAS, Borrower has requested that the Lenders agree to amend
certain provisions of the Credit Agreement;

          WHEREAS, pursuant to Section 12.04 of the Credit Agreement, Borrower
and each of the undersigned Lenders hereby agree to amend certain provisions of
the Credit Agreement as set forth herein;

          NOW, THEREFORE, in consideration of the foregoing, and for other good
and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto hereby agree as follows:

          SECTION ONE - Amendments.  The Obligors and the Lenders hereby amend,
          -----------   ----------
subject to the satisfaction of the conditions set forth in Section 2 hereof, the
following sections of the Credit Agreement as set forth below:

          (a)  The definition of "Capital Expenditures" in Section 1.01 of the
     Credit Agreement is hereby amended by deleting the word "and" immediately
     preceding clause (vii) of such definition and by adding immediately
     preceding the period at the end of such definition the following:  "and
     (viii) solely for purposes of clause (x) of Section 9.11(c) and of Section
     9.11(d), any amounts expended for the purchase and renovation of the
     approximately 23.984 acre tract of real property located at 14303 Inwood
     Road, in the city of Farmers Branch, Texas and fixtures, personal property
     and improvements thereon in an aggregate amount not to exceed $22.0
     million."

          (b)  The definition of "Excess Cash Flow" in Section 1.01 of the
     Credit Agreement is hereby amended by adding immediately following the
     words "Borrower's Equity Interests" in clause (b)(iii) of such definition
     the words "or Senior Subordinated Notes."

          (c)  Section 8.13 of the Credit Agreement is hereby amended by adding
     immediately following the words "Borrower's Equity Interests" the words "or
     Senior Subordinated Notes."

          (d)  Section 9.06(a) of the Credit Agreement is hereby amended by
     deleting the "(vii)" immediately following the words "clauses (i) through"
     and by replacing it with "(viii)".

          (e)  Section 9.08 of the Credit Agreement is hereby amended by
     deleting the word "and" immediately preceding clause (2) of the last
     sentence of such Section and replacing it with "," and by
<PAGE>

                                      -2-

     adding immediately preceding the period at the end of such sentence the
     following: "and (3) repurchases, redemptions or other acquisitions of the
     Senior Subordinated Notes permitted by Section 9.15."

          (f)  Section 9.10(d) of the Credit Agreement is hereby amended by
     adding immediately following the words "or other acquisitions" in clause
     (I) of such Section the words ", together with the amount of all
     repurchases, redemptions or other acquisitions of its Senior Subordinated
     Notes permitted by Section 9.15,".

          (g)  Section 9.11(a) of the Credit Agreement is hereby amended by
     deleting the ratio "3.50:1.00" opposite the period September 30, 2001 and
     replacing it with "3.65:1.00."

          (h)  Section 9.11(b) of the Credit Agreement is hereby amended by
     deleting the ratio "1.75:1.00" opposite the period September 30, 2001 and
     replacing it with "1.60:1.00."

          (i)  Section 9.11(c) of the Credit Agreement is hereby amended by
     deleting the ratio "1.20:1.00" opposite the period September 30, 2001 and
     replacing it with "1.05:1.00."

          (j)  Section 9.15 of the Credit Agreement is hereby amended by adding
     immediately preceding the period at the end of such Section the following:
     "; provided, that so long as no Default or Event of Default then exists or
     would arise therefrom, Borrower may make repurchases, redemptions or other
     acquisitions of its Senior Subordinated Notes; provided further, that,
                                                    ----------------
     after giving pro forma effect to each such repurchase, redemption or other
                  --- -----
     acquisition:

                    (I)   the amount of all such repurchases, redemptions or
          other acquisitions, together with the amount of all repurchases,
          redemptions or other acquisitions of its Equity Interests permitted by
          Section 9.10(d), shall not exceed, in the aggregate, $25.0 million
          since the Amendment and Restatement Date;

                    (II)   Borrower shall be in compliance with all covenants
          and agreements set forth herein (including Section 9.11); and

                    (III)   within two Business Days of each such repurchase,
          redemption or other acquisition, Borrower shall deliver to the
          Administrative Agent an Officer's Certificate stating compliance with
          this Section 9.15."

          SECTION TWO - Conditions to Effectiveness.  This Amendment shall
          -----------   ---------------------------
become effective as of the date first above written when, and only when, the
Administrative Agent shall have received counterparts of this Amendment executed
by each Obligor and the Majority Lenders or, as to any of the Lenders, advice
satisfactory to the Administrative Agent that such Lender has executed this
Amendment.  The effectiveness of this Amendment (other than Sections 5, 6 and 7
hereof) is conditioned upon the accuracy of the representations and warranties
set forth in Section 3 hereof and upon payment of the fees, costs and expenses
set forth in the first and third sentences of Section 5 hereof.

          SECTION THREE - Representations, Warranties and Covenants.  In order
          -------------   -----------------------------------------
to induce the Lenders and the Agents to enter into this Amendment, each Obligor
represents and warrants to each of the Lenders and the Agents that after giving
effect to this Amendment, (x) no Default or Event of Default has occurred and is
continuing; and (y) all of the representations and warranties in the Credit
Agreement, after giving effect to this Amendment, are true and complete in all
material respects on and as of the date hereof as if made on the date hereof
(or, if any such representation or warranty is expressly stated to have been
made as of a specific date, as of
<PAGE>

                                      -3-

such specific date). Each Obligor further represents and warrants (which
representations and warranties shall survive the execution and delivery hereof)
to the Agents and each Lender that:

          (a)  It has the corporate power and authority to execute, deliver and
     perform this Amendment and have taken all corporate actions necessary to
     authorize the execution, delivery and performance of this Amendment; and

          (b)  This Amendment has been duly executed and delivered on behalf of
     each Obligor by a duly authorized officer or attorney-in-fact of each
     Obligor.

          SECTION FOUR - Reference to and Effect on the Credit Agreement and the
          ------------   -------------------------------------------------------
Notes.  On and after the effectiveness of this Amendment, 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 Notes and
each of the other Credit 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 modified by this Amendment.  The
Credit Documents, as specifically modified by this Amendment, are and shall
continue to be in full force and effect and are hereby in all respects ratified
and confirmed.  Without limiting the generality of the foregoing, the Security
Documents and all of the Collateral described therein do and shall continue to
secure the payment of all Obligations of the Obligors under the Credit
Documents, in each case as modified by this Amendment.  The execution, delivery
and effectiveness of this Amendment shall not, except as expressly provided
herein, operate as a waiver of any right, power or remedy of any Lender or any
Agent under any of the Credit Documents, nor constitute a waiver of any
provision of any of the Credit Documents.  Each Guarantor ratifies and confirms
its Guarantee as in full force and effect after giving effect to the amendments
herein set forth.

          SECTION FIVE - Costs, Expenses, Taxes and Fees.  Borrower agrees to
          ------------   -------------------------------
pay all reasonable costs and expenses of the Agents in connection with the
preparation, execution and delivery of this Amendment and the other instruments
and documents to be delivered hereunder, if any (including, without limitation,
the reasonable fees and expenses of Cahill Gordon & Reindel) in accordance with
the terms of Section 12.03 of the Credit Agreement.  In addition, Borrower shall
pay or reimburse any and all stamp and other taxes payable or determined to be
payable in connection with the execution and delivery of this Amendment and the
other instruments and documents to be delivered hereunder, if any, and agrees to
save each Agent and each Lender harmless from and against any and all
liabilities with respect to or resulting from any delay in paying or omission to
pay such taxes.  In the event the Majority Lenders consent to this Amendment,
Borrower covenants to pay or cause to be paid a one-time cash fee (the
"Amendment Fee") to each Lender that executes and delivers a signature page to
--------------
this Amendment not later than the close of business (New York time) on the date
hereof in the aggregate amount equal to 0.125% of the sum of the (i) aggregate
amount of Loans then outstanding owing to such Lender plus the (ii) then
effective aggregate amount of the Unutilized Revolving Credit Commitment of such
Lender, which fee shall be paid by wire transfer of immediately available funds
and distributed by the Administrative Agent to the Lenders entitled thereto.

          SECTION SIX - Execution in Counterparts.  This Amendment may be
          -----------   -------------------------
executed in any number of counterparts and by different parties hereto in
separate counterparts, each of which when so executed shall be deemed to be an
original and all of which taken together shall constitute but one and the same
agreement.  Delivery of an executed counterpart of a signature page to this
Amendment by telecopier shall be effective as delivery of a manually executed
counterpart of this Amendment.
<PAGE>

                                      -4-

          SECTION SEVEN - Governing Law.  This Amendment shall be governed by,
          -------------   -------------
and construed in accordance with, the laws of the State of New York (without
giving effect to any provisions thereof relating to conflicts of law).

                            [Signature Pages Follow]
<PAGE>

                                      S-1

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be executed by their respective officers thereunto duly authorized, as of the
date first above written.

                                   TUESDAY MORNING CORPORATION

                                   By: /s/Mark E. Jarvis
                                      ------------------------------
                                      Name:  Mark E. Jarvis
                                      Title:  Exec. V.P.
<PAGE>

                                      S-2

                                   TMI HOLDINGS, INC.

                                  By: /s/Alan L. Oppenheimer
                                     ------------------------------
                                     Name:  Alan L. Oppenheimer
                                     Title:  President
<PAGE>

                                      S-3

                                   TUESDAY MORNING, INC.

                                   By: /s/Mark E. Jarvis
                                      ------------------------------
                                      Name:  Mark E. Jarvis
                                      Title:  Exec. V. P.
<PAGE>

                                      S-4

                                   FRIDAY MORNING, INC.

                                   By: /s/Mark E. Jarvis
                                      ------------------------------
                                      Name:  Mark E. Jarvis
                                      Title:  Exec. V. P.
<PAGE>

                                      S-5

                                   DAYS OF THE WEEK, INC.

                                   By: /s/Duane A. Huesers
                                      ------------------------------
                                      Name:  Duane A. Huesers
                                      Title:  Vice President
<PAGE>

                                      S-6

                                   NIGHTS OF THE WEEK, INC.

                                   By: /s/Alan L. Oppenheimer
                                      ------------------------------
                                      Name:  Alan L. Oppenheimer
                                      Title:  President
<PAGE>

                                      S-7

                                   TUESDAY MORNING PARTNERS, LTD.

                                   By: /s/Duane A. Huesers
                                      ------------------------------
                                      Name:  Duane A. Huesers
                                      Title:  Vice President of General Partner
<PAGE>

                                      S-8

                                   Agents
                                   ------

                                   MERRILL LYNCH & CO., MERRILL LYNCH, PIERCE,
                                   FENNER & SMITH INCORPORATED,
                                   as Arranger and Syndication Agent

                                   By: /s/Brian E. O'Callahan
                                      ----------------------------------------
                                      Name:  Brian E. O'Callahan
                                      Title:  Director
<PAGE>

                                      S-9

                                   FLEET NATIONAL BANK,
                                   as Administrative Agent

                                   By: /s/Christopher J. Wickles
                                      ------------------------------
                                      Name:  Christopher J. Wickles
                                      Title:  Vice President
<PAGE>

                                     S-10

                                   CREDIT LYONNAIS,
                                   as Documentation Agent

                                   By:
                                      ------------------------------
                                      Name:
                                      Title:
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-11

                                   Lender

                                   MERRILL LYNCH CAPITAL CORPORATION

                                   By: /s/Brian E. O'Callahan
                                      -------------------------------
                                      Name:  Brian E. O'Callahan
                                      Title:  Vice President
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-12

                                   FLEET NATIONAL BANK

                                   By: /s/Christopher J. Wickles
                                      ------------------------------
                                      Name:  Christopher J. Wickles
                                      Title:  Vice President
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-13

                                   CREDIT LYONNAIS, New York Branch

                                   By: /s/Michael W. Lord
                                      ------------------------------
                                      Name:  Michael W. Lord
                                      Title:  Vice President
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-14

                                   BALANCED HIGH-YIELD FUND I,

                                   By: ING Advisers LLC, as Asset Manager

                                   By: /s/Michael J. Campbell
                                      -------------------------------------
                                      Name:  Michael J. Campbell
                                      Title:  Managing Director
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-15

                                   BANK LEUMI USA

                                   By: /s/Joung Hee Hong
                                      ------------------------------
                                      Name:  Joung Hee Hong
                                      Title:  Vice President
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-16

                                 BANK ONE, NA
                                 (Main Office Chicago)

                                 By: /s/Catherine A. Muszynski
                                    -----------------------------
                                    Name:  Catherine A. Muszynski
                                    Title:  Vice President
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-17

                                 BHF (USA) CAPITAL CORPORATION

                                 By: /s/Dana L. McDougall
                                    ---------------------------
                                    Name:  Dana L. McDougall
                                    Title:  Vice President

                                 By: /s/Nina Zhou
                                    ----------------------------
                                    Name:  Nina Zhou
                                    Title:  Associate
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-18

                                 CREDIT AGRICOLE INDOSUEZ

                                 By: /s/Brian Knezeak
                                    -------------------------
                                    Name:  Brian Knezeak
                                    Title:  FVP, Manager

                                 By: /s/Michael D. Willis
                                    -------------------------
                                    Name:  Michael D. Willis
                                    Title:  VP, Credit Analysis
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-19

                                 ELF FUNDING TRUST I

                                 By: Highland Capital Management, L.P.,
                                     as collateral manager

                                 By:
                                    -------------------------------------
                                    Name:
                                    Title:
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-20

                                 FIRST AMERICAN BANK TEXAS, SSB

                                 By: /s/J. Paul Voorhies
                                    -----------------------------
                                    Name:  J. Paul Voorhies
                                    Title:  Vice President
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-21

                                 HELLER FINANCIAL, INC.

                                 By: /s/Julia F. Maslanka
                                    --------------------------
                                    Name:  Julia F. Maslanka
                                    Title:  Vice President
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-22

                                 HIGHLAND LEGACY LIMITED

                                 By: Highland Capital Management, L.P.,
                                     as collateral manager

                                 By:
                                    -----------------------------------
                                    Name:
                                    Title:
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-23

                                 KZH PAMCO LLC

                                 By:
                                    ------------------------------
                                    Name:
                                    Title:
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-24

                                 LASALLE BANK NATIONAL ASSOCIATION, formerly
                                 known as LaSalle National Bank

                                 By: /s/Michael Bryan
                                    ------------------------------------------
                                     Name:  Michael Bryan
                                     Title:  First Vice President
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-25

                                 ML CLO XV PILGRIM AMERICA
                                 (CAYMAN) LTD.

                                 By: Pilgrim America Investments, Inc., as its
                                     investment manager

                                 By:
                                    -------------------------------------------
                                     Name:
                                     Title:
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-26

                                 MORGAN STANLEY DEAN WITTER
                                 PRIME INCOME TRUST

                                 By: /s/Sheila Finnerty
                                     ---------------------------
                                     Name:  Sheila Finnerty
                                     Title:  Executive Director
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-27

                                 NATIONAL CITY BANK

                                 By: /s/Stephen Bassett
                                    -----------------------------
                                     Name:  Stephen Bassett
                                     Title:  Account Officer
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-28

                                 PAM CAPITAL FUNDING LP

                                 By:
                                    -----------------------
                                     Name:
                                     Title:
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-29

                                 PILGRIM CLO 1999- Ltd.

                                 By: Pilgrim Investments, Inc.,
                                     as its investment manager

                                 By:
                                    ---------------------------
                                     Name:
                                     Title:
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-30

                                 SENIOR DEBT PORTFOLIO

                                 By: Boston Management and Research,
                                     as investment advisor

                                 By:
                                    --------------------------------
                                     Name:
                                     Title:
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-31

                                 TRANSAMERICA BUSINESS CAPITAL CORPORATION

                                 By: /s/Stephen K. Goetschius
                                    -----------------------------------------
                                     Name:  Stephen K. Goetschius
                                     Title:  Senior Vice President
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-32

                                 UNION BANK OF CALIFORNIA, N.A.

                                 By: /s/J. Scott Jessup
                                     ----------------------------
                                     Name:  J. Scott Jessup
                                     Title:  Vice President
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-33

                                 WELLS FARGO BANK, N.A.

                                 By: /s/Jason L. Weighter
                                    ---------------------------
                                     Name:  Jason L. Weighter
                                     Title:  AVP
<PAGE>

Lender Signature Page to Amendment No. 1 to First Amended and Restated Tuesday
Morning Credit Agreement.

                                     S-34

                                 WEST LOOP CLO-1 L.P.
                                 By:  Heller Financial Asset Management LLC,
                                      authorized agent

                                 By: /s/Julia F. Maslanka
                                    ----------------------------------------
                                     Name:    Julia F. Maslanka
                                     Title:  Vice President

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