Document:

EX-10.54

                      INDEMNIFICATION LIMITATION AGREEMENT

                                  BY AND AMONG

                           NU SKIN ENTERPRISES, INC.,

                          NU SKIN UNITED STATES, INC.,

                          NU SKIN INTERNATIONAL, INC.,

                           BIG PLANET HOLDINGS, INC.,

                               NU SKIN USA, INC.,

                                  THE MANAGERS,

                                       AND

             THE STOCKHOLDERS WHO EXECUTE THE SIGNATURE PAGE HERETO

                                  March 8, 1999
<PAGE>
                      INDEMNIFICATION LIMITATION AGREEMENT

         This  Indemnification  Limitation  Agreement (this "Agreement") is made
and entered into effective as of March 8, 1999 by and among Nu Skin Enterprises,
Inc., a Delaware  corporation  ("Nu Skin  Enterprises"),  Nu Skin United States,
Inc., a Delaware  corporation ("Nu Skin United States"),  Nu Skin International,
Inc. a Utah corporation ("Nu Skin International"),  Big Planet Holdings, Inc., a
Delaware  corporation  ("Big Planet  Holdings"),  Nu Skin USA,  Inc., a Delaware
corporation  ("Nu  Skin  USA"),  Nathan  W.  Ricks  ("Ricks"),  Kevin  V.  Doman
("Doman"),  Richard W. King ("King"), and each of the stockholders who elects to
become a party to this  Agreement by executing the signature page hereto (each a
"Stockholder"  and  together the  "Stockholders").  Ricks,  Doman,  and King are
collectively referred to as the "Managers" and, individually,  a "Manager." Each
of Nu Skin Enterprises, Nu Skin United States, Big Planet Holdings, Nu Skin USA,
Big Planet,  the Managers,  and the  Stockholders  is  individually  referred to
herein as a "Party" and together as the "Parties."

                                    RECITALS

         A. WHEREAS, Nu Skin Enterprises, Nu Skin United States, and Nu Skin USA
have entered into that certain  Asset  Purchase  Agreement of even date herewith
and attached  hereto as Exhibit "A" (the "Asset Purchase  Agreement")  providing
for the  purchase by Nu Skin  Enterprises  and Nu Skin United  States of certain
assets of Nu Skin USA, with a portion of the purchase  price for certain of such
assets to be deposited  into an escrow  account (the  "Escrow")  pursuant to the
terms of the  Escrow  Agreement  dated  of even  date  herewith  and in the form
attached  hereto as Exhibit "B" (the "Escrow  Agreement"),  which Asset Purchase
Agreement further provides for the indemnification of Nu Skin Enterprises and Nu
Skin United States in connection with the transactions described therein;

         B.  WHEREAS,  Nu Skin  International  and Nu Skin USA have entered into
that certain Termination  Agreement of even date herewith and attached hereto as
Exhibit "C" (the  "Termination  Agreement")  providing  for the  termination  of
certain licenses and agreements  previously  entered into by and between Nu Skin
USA and various other parties in consideration  for the payment of a termination
fee;

         C.  WHEREAS,  Nu  Skin  Enterprises  and the  Stockholders  contemplate
entering into a stock purchase,  merger, or similar agreement related to Nu Skin
Canada, Inc. (the "Canada Stock Purchase Agreement"), providing for the purchase
by Nu Skin Enterprises of the issued and outstanding  shares of capital stock of
Nu Skin  Canada,  Inc. or for the merger of Nu Skin  Canada,  Inc.  with Nu Skin
Enterprises  (or a  newly-organized  subsidiary  of Nu  Skin  Enterprises),  and
further providing for the  indemnification  of Nu Skin Enterprises in connection
with the transactions contemplated in the Canada Stock Purchase Agreement;

         D.  WHEREAS,  Nu  Skin  Enterprises  and the  Stockholders  contemplate
entering into a stock purchase,  merger, or similar agreement related to Nu Skin
Mexico S.A. de C.V., a Mexico  corporation  domesticated  in Delaware  under the
name Nu Skin Mexico, Inc. (the "Mexico Stock Purchase Agreement"), providing for
the  purchase by Nu Skin  Enterprises  of the issued and  outstanding  shares of
capital stock of Nu Skin Mexico,  Inc. or for the merger of Nu Skin Mexico, Inc.
with  Nu  Skin  Enterprises  (or  a   newly-organized   subsidiary  of  Nu  Skin
Enterprises),   and  further  providing  for  the  indemnification  of  Nu  Skin
Enterprises in connection with the transactions contemplated in the Mexico Stock
Purchase Agreement;
<PAGE>
         E.  WHEREAS,  Nu  Skin  Enterprises  and the  Stockholders  contemplate
entering into a stock purchase,  merger, or similar agreement related to Nu Skin
Guatemala S.A., a Guatemala corporation  domesticated in Delaware under the name
Nu Skin Guatemala,  Inc. (the "Guatemala Stock Purchase  Agreement"),  providing
for the purchase by Nu Skin Enterprises of the issued and outstanding  shares of
capital stock of Nu Skin Guatemala, Inc. or for the merger of Nu Skin Guatemala,
Inc.  with Nu  Skin  Enterprises  (or a  newly-organized  subsidiary  of Nu Skin
Enterprises),   and  further  providing  for  the  indemnification  of  Nu  Skin
Enterprises in connection  with the  transactions  contemplated in the Guatemala
Stock Purchase Agreement;

         F.  WHEREAS,  Nu Skin  Enterprises  and a subsidiary to be formed by Nu
Skin  Enterprises  are  currently  negotiating  and intend,  following  the date
hereof,  to enter into an  Agreement  and Plan of Merger  with Big  Planet  (the
"Merger  Agreement")  providing  for the merger of Big Planet  with and into Big
Planet  Holdings,  Inc.,  a  subsidiary  of Nu  Skin  Enterprises  ("Big  Planet
Holdings")  in exchange  for merger  consideration  that in part will consist of
cash in the amount of  approximately  $14,500,000 and a promissory note (the "Nu
Skin  Enterprises  Note") in the  original  principal  amount  of  approximately
$14,500,000  payable to Nu Skin USA as the holder of the Preferred  Stock of Big
Planet;

         G. WHEREAS,  the Asset Purchase Agreement,  the Termination  Agreement,
the Canada Stock Purchase Agreement,  the Mexico Stock Purchase  Agreement,  and
the  Guatemala  Stock  Purchase   Agreement   (collectively,   the  "Transaction
Agreements")  each contain  certain  indemnification  obligations in favor of Nu
Skin Enterprises,  Nu Skin United States, or their respective affiliates who are
parties to the respective Transaction Agreements including Nu Skin International
(the  "Affiliate  Parties"),  and the  Parties  now  desire to agree to  certain
restrictions and limitations on such indemnification obligations;

         H.  WHEREAS,  Nu  Skin  International,  Inc.,  a Utah  corporation  and
subsidiary of Nu Skin Enterprises ("Nu Skin  International"),  is liable for any
judgment that may be entered against the Nu Skin party  defendants  named in the
lawsuit  captioned Capone v. Nu Skin Canada,  Inc, et al., Civil No.  93-C-2855,
pending in the United States District Court,  District of Utah, Central Division
(the "Capone  Lawsuit"),  but,  pursuant to an  Assumption  of  Liabilities  and
Indemnification  Agreement dated effective  December 31, 1997, (the  "Assumption
Agreement"),  entered into by and between Nu Skin International,  Inc. and 252nd
Shelf  Corporation  (now  known  as Nu Skin  USA),  Nu Skin  USA has  agreed  to
indemnify  and  reimburse Nu Skin  International  for fifty percent (50%) of any
amount that Nu Skin  International  may become liable for in the Capone Lawsuit;
and

         I. WHEREAS, Nu Skin Enterprises, Nu Skin International, and Nu Skin USA
intend that Nu Skin  International  can be reimbursed out of the Escrow pursuant
to the Escrow Agreement and may set off against the Nu Skin Enterprises Note and
seek indemnification from Nu Skin USA and the Stockholders to the extent Nu Skin
International is entitled to reimbursement pursuant to the Assumption Agreement,
for Nu Skin USA's fifty  percent (50%) of any amount Nu Skin  International  may
become liable for in connection with the Capone Lawsuit.

         NOW,  THEREFORE,  in consideration of the foregoing  premises,  and the
mutual  covenants and obligations  set forth below,  and as an inducement for Nu
Skin  Enterprises  and the  Affiliate  Parties  to enter  into  the  Transaction
Agreements, the Parties agree as follows:

1.       Limits on Indemnification Claims.
<PAGE>
         1.1 Limits on Indemnification  Claims Brought Against Nu Skin USA Under
the Transaction  Agreements and the Merger Agreement.  Except for claims brought
by Nu Skin  Enterprises,  Nu Skin United  States,  Big Planet  Holdings,  or the
Affiliate  Parties  relating  to (i) the  Stockholders'  title  to and  right to
transfer their  respective  shares of capital stock of Nu Skin Canada,  Inc., Nu
Skin Mexico,  Inc., Nu Skin  Guatemala,  Inc., and Big Planet,  Inc. and Nu Skin
USA's title to and right to  transfer  the assets to be  transferred  to Nu Skin
Enterprises,  Nu Skin United States, or their respective  affiliates pursuant to
the Asset Purchase  Agreement or Big Planet's  title to its assets,  (ii) claims
for indemnification  based on fraud, or (iii) any indemnification  claim for the
individual tax  liabilities or obligations of any stockholder of Nu Skin USA, Nu
Skin Canada,  Inc., Nu Skin Mexico S.A. de C.V., (Nu Skin Mexico,  Inc.),  or Nu
Skin Guatemala S.A., (Nu Skin Guatemala, Inc.), no claim for indemnification may
be made  against  the  entities  referred  to in clause  1.1 (iii)  above or the
Stockholders under the Transaction Agreements or the Merger Agreement by Nu Skin
Enterprises, Nu Skin International,  Nu Skin United States, Big Planet Holdings,
or the  Affiliate  Parties with respect to an  individual  claim of liability or
damage,  unless,  and then only to the extent that, the aggregate of all amounts
claimed under the Transaction  Agreements and the Merger  Agreement  exceeds the
greater of (a) $100,000 or (b)  $1,000,000  minus Nu Skin USA's Net  Liabilities
(as that term is defined in the Asset Purchase  Agreement).  The indemnification
obligations  owing to Nu Skin  Enterprises,  Nu Skin  International,  Big Planet
Holdings, Nu Skin United States, and the Affiliate Parties under the Transaction
Agreements  and the Merger  Agreement  (except for those  specifically  excluded
above in this Section 1.1) shall be effective  only until the dollar amount paid
in respect of  indemnification  claims  brought under and pursuant to any of the
Transaction Agreements and/or the Merger Agreement aggregates to an amount equal
to $17,500,000;  provided, however, that notwithstanding the above provisions of
this Section 1.1, (a) all corporate tax  liabilities  or tax  obligations  of Nu
Skin USA, Big Planet,  Inc.,  Nu Skin Canada,  Inc., Nu Skin Mexico S.A. de C.V.
(Nu Skin Mexico,  Inc.),  or Nu Skin  Guatemala S.A. (Nu Skin  Guatemala,  Inc.)
(each, a "Corporate Tax Liability") and (b) all liability of Nu Skin USA related
to the Capone Lawsuit, are excluded from said $17,500,000 cap; provided further,
however,  that  each  Stockholder  hereby  agrees,  in the  event  Nu  Skin  USA
distributes  the  Termination  Fee (as such term is defined  in the  Termination
Agreement)  and the Class A Purchase Price (as such term is defined in the Asset
Purchase  Agreement),  including any remaining  portion of the Escrow Amount (as
that term is defined in the Escrow  Agreement) to the  Stockholders or makes any
other distributions to the Stockholders,  including  liquidating  distributions,
that each  Stockholder  will severally  indemnify Nu Skin  Enterprises,  Nu Skin
International,  Nu Skin United States,  Big Planet  Holdings,  and the Affiliate
Parties for all of Nu Skin USA's  Corporate Tax Liability and liability  related
to the Capone Lawsuit proportionately based on their relative share ownership of
Nu Skin USA. The liability of such Stockholders under the immediately  preceding
sentence  shall be  limited to the amount of the  distributions  of cash  and/or
property (including any merger  consideration  received by Nu Skin USA under the
Merger Agreement) received by or paid on behalf of such Stockholder from Nu Skin
USA following  March 1, 1999.  Notwithstanding  the  foregoing,  neither Nu Skin
Enterprises,  Nu Skin International,  Nu Skin United States, Big Planet Holdings
nor the Affiliate Parties will pursue any claim against the Stockholders for any
Corporate Tax Liability or any liability related to the Capone Lawsuit until the
Nu Skin  Enterprises  Note shall have been set off in full and the Escrow Amount
shall have been disbursed in full to Nu Skin Enterprises,  Nu Skin United States
or Nu  Skin  International.  Nothing  herein  shall  release  or  discharge  the
Stockholders or Nu Skin USA for any Corporate Tax Liability or liability related
to the Capone Lawsuit.  Any Corporate Tax Liability or any liability  related to
the Capone  Lawsuit  may be paid by  delivery  of shares of Nu Skin  Enterprises
Class A Common Stock or Class B Common Stock to Nu Skin Enterprises in an amount
equal to the Corporate Tax Liability or the aggregate liability under the Capone
Lawsuit,  divided by the average closing price of Nu Skin  Enterprise's  Class A
Common  Stock on the New York Stock  Exchange  for the twenty (20)  trading days
immediately  prior to the date on which Nu Skin Enterprises gives notice of such
Corporate Tax Liability or liability related to the Capone Lawsuit to the entity
<PAGE>
responsible  for the same.  To the extent that  indemnification  obligations  in
favor of Nu Skin Enterprises, Nu Skin United States, Nu Skin International,  Big
Planet Holdings,  or the Affiliate  Parties under the Transaction  Agreements or
the Merger  Agreement  may be  unenforceable,  Nu Skin USA and the  Stockholders
shall  contribute the maximum amount that they are permitted to contribute under
applicable law to the payment and  satisfaction  of all  indemnification  claims
brought under and pursuant to the Transaction Agreements or the Merger Agreement
by Nu Skin  Enterprises,  Nu Skin  International,  Big Planet Holdings,  Nu Skin
United States, or the Affiliate  Parties.  Amounts owing to Nu Skin Enterprises,
Nu Skin  International,  Big Planet  Holdings,  Nu Skin  United  States,  or the
Affiliate Parties under the Transaction Agreements or the Merger Agreement shall
not be reduced or off set by the value of any tax  benefits  accruing to Nu Skin
Enterprises, Nu Skin International,  Big Planet Holdings, Nu Skin United States,
or the Affiliate Parties as a result of any claim for  indemnification or by the
amount  of any  insurance  proceeds  received  by Nu Skin  Enterprises,  Nu Skin
International,  Big Planet  Holdings,  Nu Skin United  States,  or the Affiliate
Parties in connection with any claim for indemnification.

         1.2 Limits on Indemnification Claims Brought Against the Managers Under
the Merger Agreement.

              1.2.1 Relevant Merger  Agreement  Provisions.  As set forth in the
Merger Agreement,  (a) certain options held by Ricks to acquire 3,806,147 shares
of the Big Planet  Common will be  converted  into or  exchanged  for options to
purchase shares of Nu Skin Enterprises Class A Common (the "New Ricks Options"),
(b) a total of 815,604  unvested shares of Big Planet Common  underlying  King's
current  restricted  stock award will be exchanged or converted into  restricted
stock  awards of Nu Skin  Enterprises  Class A Common (the "New King  Restricted
Stock Award"),  and (c) a total of 305,910  unvested shares of Big Planet Common
underlying Doman's current restricted stock award will be exchanged or converted
into  restricted  stock awards of Nu Skin  Enterprises  Class A Common (the "New
Doman  Restricted  Stock  Award").  As set forth in the Merger  Agreement and in
Section  1.2.2 below  (subject  to the  limitations  set forth in Section  1.2.2
below),  each of the  Managers  is jointly  and  severally  liable to Big Planet
Holdings and Nu Skin Enterprises and has agreed to indemnify Big Planet Holdings
and Nu Skin Enterprises for any such  indemnification  claims for which they may
become  liable  by  forfeiting  shares  of Nu Skin  Enterprises  Class A  Common
issuable pursuant to the New Ricks Options, the New King Restricted Stock Award,
and the New Doman  Restricted  Stock Award,  as  applicable.  The Parties hereby
acknowledge that,  pursuant to the respective grant agreements for the New Ricks
Options,  the New King Restricted  Stock Award, and the New Doman Stock Award to
be  entered  into by them and Nu Skin  Enterprises  following  the date  hereof,
shares  of Nu  Skin  Enterprises  Class  A  Common  issuable  thereunder  can be
forfeited in satisfaction  of  indemnification  obligations of the Managers,  as
described in Section 1.2.2 below.
<PAGE>
              1.2.2 Indemnification; Calculation of Forfeited Shares. Except for
indemnification  claims  brought by Big Planet  Holdings or Nu Skin  Enterprises
relating to or based on (i) fraud,  or (ii) the Managers'  title to and right to
transfer their respective shares of capital stock or options of Big Planet, Inc.
pursuant  to the  Merger  Agreement,  no claim for  indemnification  may be made
against any Manager under the Merger Agreement by Big Planet Holdings or Nu Skin
Enterprises with respect to an individual claim of liability or damage,  unless,
and then only to the extent that, the aggregate of all amounts claimed under the
Merger  Agreement  exceeds $100,000 (the "Big Planet  Indemnification  Amount");
provided,  however,  that in the event  the Big  Planet  Indemnification  Amount
exceeds  $100,000,  each of the Managers  shall share in such excess pro rata in
accordance  with their  respective  Member  Allocation  Percentage (set forth on
Exhibit "D" attached hereto).  The number of shares of Nu Skin Enterprises Class
A  Common  that  each  Manager  shall  forfeit  in  the  event  the  Big  Planet
Indemnification Amount exceeds $100,000 shall be determined as follows: (i) such
Manager's  Allocation  Percentage shall be multiplied by the amount by which the
Big Planet  Indemnification  Amount exceeds  $100,000,  and that amount shall be
divided by (ii) the average closing price of Nu Skin Enterprise's Class A Common
Stock on the New York Stock  Exchange  for the twenty (20)  trading  days ending
February 3, 1999.  The result of such  calculation is the number of shares of Nu
Skin Enterprises Class A Common that each Manager shall forfeit in settlement of
the amount by which the Big Planet  Indemnification Amount exceeds $100,000. The
remaining portion of the Big Planet Indemnification Amount shall be concurrently
allocated to and paid by Nu Skin USA pursuant to and in accordance  with Section
1.2.1  above.  The  indemnification  obligations  of the  Managers to Big Planet
Holdings and Nu Skin  Enterprises  under the Merger  Agreement  and this Section
1.2.2 shall be  effective  only until the first to occur of (A) the shares of Nu
Skin  Enterprises  Class A Common vest in each Manager (which,  as stated in the
Merger Agreement, will be in a single installment one (1) year after the Closing
Date (as that term is defined in the Merger Agreement)) or (B)(I) in the case of
Ricks,  fifty percent (50%) of the shares of Nu Skin Enterprises  Class A Common
underlying the New Ricks Options,  and (II) in the case of either King or Doman,
one hundred percent (100%) of the shares of Nu Skin  Enterprises  Class A Common
underlying the New King Restricted Stock Award or the New Doman Restricted Stock
Award, as applicable, have been forfeited pursuant to this Section 1.2.2. To the
extent that  indemnification  obligations in favor of Big Planet  Holdings or Nu
Skin Enterprises  under the Merger Agreement may be  unenforceable,  each of the
Managers  shall  contribute  and forfeit the maximum number of shares of Nu Skin
Enterprises Class A Common (determined as set forth above) as they are permitted
to contribute and forfeit under  applicable law to the payment and  satisfaction
of all indemnification claims brought under and pursuant to the Merger Agreement
by Big  Planet  Holdings  or Nu Skin  Enterprise.  Amounts  owing to Big  Planet
Holdings or Nu Skin Enterprises  under the Merger Agreement shall not be reduced
or off-set by the value of any tax benefits  accruing to Big Planet  Holdings or
Nu Skin  Enterprises  as a result  of any claim  for  indemnification  or by the
amount of any  insurance  proceeds  received  by Big Planet  Holdings or Nu Skin
Enterprises in connection with any claim for indemnification.

2. Pursuit of Indemnification  Claims. Claims for indemnification  brought by Nu
Skin  Enterprises,  Nu Skin United States,  Big Planet Holdings or the Affiliate
Parties  shall be brought in  accordance  with the terms and  conditions  of the
Transaction  Agreements  or the  Merger  Agreement,  as  applicable.  Except  as
expressly provided in Section 1 above,  nothing in this Agreement is intended to
limit the scope of the  indemnification  claims  that can be  brought  under the
Transaction  Agreements  or the  Merger  Agreement  or the  manner in which such
claims are to be brought under the Transaction Agreements or Merger Agreement by
Nu Skin Enterprises, Nu Skin United States, Big Planet Holdings or the Affiliate
Parties.
<PAGE>
3.  Indemnification  Assets. To the extent permitted by Section 1 above, Nu Skin
Enterprises,  Nu Skin  United  States,  Big Planet  Holdings  and the  Affiliate
Parties shall have the right to make a claim under the Escrow Agreement  against
the  Escrow  Amount for any  amounts  owing to Nu Skin  Enterprises,  Big Planet
Holdings,  Nu Skin United States, or the Affiliate Parties under the Transaction
Agreements or the Merger Agreement.  Claims for  indemnification  hereunder that
are  brought  against  the Escrow  Amount  under the Escrow  Agreement  shall be
brought in accordance with the terms and conditions of the Escrow Agreement.  In
addition,  Nu Skin Enterprises for itself or on behalf of Nu Skin United States,
Big Planet  Holdings or the  Affiliate  Parties  shall be entitled to set-off or
recover  against  any  principal  or  interest  payable  by it under the Nu Skin
Enterprises Note, all amounts owing to Nu Skin Enterprises, Big Planet Holdings,
Nu Skin United States, or the Affiliate Parties under the Transaction Agreements
or the Merger  Agreement.  Amounts payable by Nu Skin  Enterprises  under the Nu
Skin Enterprises Note and all amounts (or shares of Nu Skin Enterprises  Class A
Common Stock or Class B Common Stock substituted at any time for a Stockholder's
Allocation  Amount (as that term is defined in the Escrow Agreement) held in the
Escrow and all interest and earnings on such amounts shall  together  constitute
the  "Indemnification  Assets."  Except for the claims set forth in clauses (i),
(ii),  and (iii) of Section 1.1 above and claims for  Corporate Tax Liability or
liability  related to the Capone  Lawsuit  (which  claims are excluded  from the
effects of the basket and cap provided in Section 1.1 above), the sole remedy of
Nu Skin Enterprises,  Nu Skin United States,  and the Affiliate Parties shall be
limited to claims for indemnification pursuant to the Transaction Agreements. In
addition, except for claims set forth in clauses (i), (ii), and (iii) of Section
1.1 above and claims for  Corporate  Tax  Liability or liability  related to the
Capone lawsuit, claims brought by Nu Skin Enterprises, Nu Skin United States, or
the Affiliate Parties pursuant to the Transaction  Agreements shall be satisfied
only from the  Indemnification  Assets.  Except for  claims  set forth  above in
clauses  (i) and (ii) of  Section  1.2.2  (which  claims are  excluded  from the
effects of the basket and cap provided in Section 1.2 above), the sole remedy of
Nu Skin  Enterprises  and Big Planet  Holdings  against  the  Managers  shall be
limited to claims for  indemnification  pursuant  to the  Merger  Agreement.  In
addition,  except for the claims excluded in Section 1.2.2 above, claims brought
by Nu Skin Enterprises and Big Planet Holdings against the Managers  pursuant to
the Merger  Agreement  shall be  satisfied  only from those  portions of the New
Ricks Options,  the New King Restricted Stock Award and the New Doman Restricted
Stock Award that are forfeitable as provided in Section 1.2.2 above.

4.  Joint and  Several  Obligations.  Subject  to the  limitations  set forth in
Section 1 above,  the obligations of Nu Skin USA and the  Stockholders  shall be
joint and  several.  Nu Skin  Enterprises,  Nu Skin  United  States,  Big Planet
Holdings  and the  Affiliate  Parties  shall be  entitled  to bring  claims  for
indemnification and assert rights against the Indemnification  Assets regardless
of which  Transaction  Agreement or Merger  Agreement allows for such claims and
regardless  of  the  consideration  received  by  either  Nu  Skin  USA  or  the
Stockholders  under such  Transaction  Agreement  or Merger  Agreement.  Nu Skin
Enterprises,  Nu Skin United  States,  Big Planet  Holdings,  and the  Affiliate
Parties may pursue their rights against the  Indemnification  Assets by bringing
claims against the Escrow or by Nu Skin Enterprises setting-off amounts owing by
it under the Nu Skin Enterprises Note concurrently or sequentially, in any order
it desires.

5. Waiver of Subrogation. Nu Skin USA and the Stockholders each hereby waive any
right of  subrogation  they may have with respect to any amounts paid to Nu Skin
Enterprises,  Nu Skin  United  States,  Big Planet  Holdings,  or the  Affiliate
Parties  pursuant to the provisions of the Transaction  Agreements or the Merger
Agreement.
<PAGE>
6. Designated  Representative  of Nu Skin USA and the  Stockholders.  Each of Nu
Skin USA and the Stockholders  hereby appoints Keith R. Halls and Steven J. Lund
(each such person,  whether  acting  singly or in concert,  and any successor or
successors being referred to herein as a "Designated  Representative")  as their
legal representative and  attorneys-in-fact to do any and all things and execute
all documents,  instruments, and papers, in NSUSA's and each Stockholder's name,
place,  and stead,  and in any way Nu Skin USA or such  Stockholder  could do if
personally  present,  in connection  with this  Agreement  and the  transactions
contemplated  hereby,  including,  without  limitation,  to (a)  amend,  cancel,
extend, or waive the terms of this Agreement,  or any other ancillary documents,
instruments,  or agreements  prepared and entered into in  connection  with this
Agreement;  (b) provide any notices  required  pursuant to this Agreement or any
ancillary documents,  instruments, or agreements related hereto; (c) act for and
on behalf of Nu Skin USA and the Stockholders  with respect to claims (including
the settlement thereof) arising under this Agreement or any ancillary documents,
instruments,  or agreements related thereto);  and (d) accept, for and on behalf
of the Nu Skin USA and the Stockholders, all notices required to be delivered to
Nu Skin USA and the Stockholders under this Agreement.  In the event that one or
both of the Designated  Representatives  becomes unable or unwilling to continue
in  his  capacity  as  the  Designated   Representative  Nu  Skin  USA  and  the
Stockholders,  Nu Skin  USA and  the  Stockholders  shall  appoint  a  successor
designated  representative  by written notice to Nu Skin  Enterprises.  Any such
successor  designated  representative  shall  become  and  be  deemed  to  be  a
Designated  Representative  for purposes of this Agreement.  Nu Skin USA and the
Stockholders  shall be bound by any  action  taken by either  of the  Designated
Representatives in their capacity thereof.  Nu Skin Enterprises,  Nu Skin United
States, and the Affiliate Parties shall be entitled to rely on, as being binding
upon  each  of Nu  Skin  USA and the  Stockholders,  any  document,  instrument,
agreement,  or any other  paper  believed  by him,  her, or it to be genuine and
correct  and  to  have  been  signed  or  sent  by  either  of  the   Designated
Representatives.  Nu Skin Enterprises,  Nu Skin United States, and the Affiliate
Parties shall not be liable to Nu Skin USA and the  Stockholders  for any action
taken or omitted to be taken by him, her, or it in such reliance.  Copies of any
notice given by Nu Skin Enterprises to the Designated  Representatives  shall be
provided to each of the Designated  Representatives  at the address specified in
Section 7.1 below.
<PAGE>
7.       Miscellaneous Provisions.

         7.1 Notice. All notices,  requests,  demands,  and other communications
required  or  permitted  to be given or made  under this  Agreement  shall be in
writing  and  shall be deemed  to have  been  given (i) on the date of  personal
delivery or, (ii) provided such notice,  request,  demand,  or  communication is
actually  received by the Party to which it is addressed in the ordinary  course
of  delivery,  on the date of (a)  deposit in the United  States  mail,  postage
prepaid, by registered or certified mail, return receipt requested, (b) delivery
by facsimile transmission, or (c) delivery to a nationally-recognized  overnight
courier service, in each case,  addressed as follows, or to such other person or
entity as any Party shall designate by written notice to the other in accordance
herewith:

If to Nu Skin Enterprises,
Nu Skin United States, or
the Affiliate Parties:                    With a copy to:

Nu Skin Enterprises, Inc.                 LeBoeuf, Lamb, Greene & MacRae, L.L.P.
One Nu Skin Plaza                         1000 Kearns Building
75 West Center Street                     136 South Main Street
Provo, Utah 84601                         Salt Lake City, Utah 84101
Attention:   M. Truman Hunt, Esq.         Attention: Nolan S. Taylor, Esq.
Fax No.: (801) 345-3099                   Fax No.: (801) 359-8256

If to Nu Skin USA or the Stockholders:    With a copy to:

Nu Skin USA, Inc.                         Holland & Hart, L.L.P.
c/o Nu Skin Enterprises, Inc.             215 South State Street, Suite 500
75 West Center Street                     Salt Lake City, Utah 84111
Provo, UT 84601                           Attention: David R. Rudd, Esq.
Attention:   Keith R. Halls               Fax No.: (801) 364-9124
Fax No.: (801) 345-5999

         7.2 Governing Law;  Jurisdiction.  This Agreement  shall be governed by
and  construed in  accordance  with the laws of the State of Utah  applicable to
contracts  entered into and to be  performed  entirely  within such State.  With
respect to any dispute arising under this Agreement,  the Parties consent to the
exclusive  jurisdiction  and venue of the federal and state  courts  residing in
Salt Lake City or Provo, Utah and waive any objection to such venue on the basis
of forum non conveniens.

         7.3  Severability.  The  Parties  agree  that  each  provision  to this
Agreement  shall be construed  independent of any other  provision  hereof.  The
invalidity or  unenforceability  of any  particular  provision of this Agreement
shall not affect the other provisions hereof.  This Agreement shall be construed
in all  respects as if such  invalid or  unenforceable  provision  were  omitted
herefrom.

         7.4 Entire  Agreement.  This  Agreement,  together with the Transaction
Agreements and all Exhibits and Schedules  thereto and hereto,  constitutes  the
entire agreement  between the Parties with respect to the subject matter hereof.
This Agreement,  together with the  Transaction  Agreements and all Exhibits and
Schedules  thereto and hereto,  supersedes all prior written or  contemporaneous
oral agreements related to the subject matter hereof.
<PAGE>
         7.5 Amendment and Modifications.  No amendment or other modification to
this Agreement shall be binding upon any Party unless executed in writing by all
of the Parties.

         7.6  Waiver.  No waiver by any Party of any of the  provisions  of this
Agreement will be deemed,  or will  constitute,  a waiver of any other provision
hereof,  whether  similar,  nor will any waiver  constitute a continuing  waiver
hereunder.  No waiver  will be binding  unless  executed in writing by the Party
making the waiver.

         7.7  Assignment.  Except as  provided  below,  no Party may  assign (by
operation of law,  merger,  or  otherwise),  license,  sublicense,  or otherwise
transfer any of his, her, or its rights or  obligations  under this Agreement to
any other person or entity  without  obtaining the prior written  consent of the
other Parties;  provided,  however,  that Nu Skin  Enterprise and Nu Skin United
States  shall  each be  allowed  to assign  this  Agreement  or its  rights  and
obligations hereunder without any prior consent of the other Parties.

         7.8 Captions.  All captions in this  Agreement are intended  solely for
the  convenience  of the  Parties and none shall be deemed to affect the meaning
and construction of any provision hereof.

         7.9 Cumulative Remedies.  No right or remedy conferred upon or reserved
to any of the Parties  under the terms of this  Agreement is intended to be, nor
shall it be deemed, exclusive of any other right or remedy provided herein or by
law or equity, but each shall be cumulative of every other right or remedy.

         7.10 Binding  Effect of  Agreement.  Except as  otherwise  specifically
provided  herein,  this Agreement  shall be binding upon, and shall inure to the
benefit of and be enforceable by, the Parties, and their respective  affiliates,
successors, and assigns.

         7.11 No Third-Party Beneficiaries.  Nothing in this Agreement,  express
or  implied,  shall  confer on any person  other than the  Parties any rights or
remedies under or by virtue of this Agreement except that the Affiliate  Parties
shall be entitled to the benefits of this Agreement.

         7.12  Counterparts;  Enforceability.  This Agreement may be executed by
facsimile and in counterparts  and each taken together shall  constitute one and
all the same document. Provided that this Agreement has been executed by Nu Skin
Enterprises, Nu Skin United States, and Big Planet Holdings, Big Planet, each of
the Managers,  and each  Stockholder who has executed this Agreement is and will
be bound  by the  terms  and  conditions  hereof,  and Big  Planet,  each of the
Managers,  and each such Stockholder  specifically  acknowledges and agrees that
the failure by Big Planet,  any  Manager,  or any  Stockholder  to execute  this
Agreement shall not invalidate or otherwise undermine the enforceability of this
Agreement as to each Party who has become a signatory  hereto.  The Parties also
acknowledge  and agree that Big Planet and the  Managers  may not  execute  this
Agreement and become a Party hereto until sometime after the execution hereof by
all of the other Parties to this Agreement.
<PAGE>
         7.13 No  Impact  on  Transaction  Agreements.  Except  as  specifically
provided in this  Agreement,  nothing  herein  undermines or detracts in any way
from any of the respective  indemnification  provisions  contained in any of the
Transaction Agreements.

         7.14 Set-Off Rights.  Subject to Section 1 above,  Nu Skin  Enterprises
and its  affiliates  (excluding Nu Skin USA and Big Planet) shall be entitled to
set off any amounts due to it or them, as the case may be, under the Transaction
Agreements  against  amounts owing under the Nu skin  Enterprises  Note (as that
term is defined in the Merger  Agreement)  and against the then  current  Escrow
Amount (as that term is defined in the Escrow Agreement) .

         7.15  Press   Releases  and  Public   Announcements.   Either  Nu  Skin
Enterprises  or Nu Skin United  States may issue any press  releases or make any
public announcements  relating to the subject matter of this Agreement after the
effective date hereof  without the prior written  approval of the other Parties.
Neither Nu Skin USA nor Big Planet  shall  issue any press  releases or make any
public  announcements  relating to the subject matter of this Agreement  without
the prior written approval of the other Parties.
<PAGE>
         IN WITNESS  WHEREOF,  the Parties  have  executed  and  delivered  this
Indemnification Limitation Agreement on the date first written above.

NU SKIN ENTERPRISES, INC.                            STOCKHOLDERS:

By:      /s/ Corey B Lindley                         /s/ Blake M. Roney
Name:    Corey B. Lindley                            Blake M. Roney
Its:     Vice President

NU SKIN USA, INC.                                    /s/ Nedra Dee Roney
                                                     Nedra Dee Roney

By:      /s/ Steven J. Lund
Name:    Steven J. Lund                              /s/ Sandra N. Tillotson
Its:                                                 Sandra N. Tillotson

BIG PLANET HOLDINGS, INC.
                                                     /s/ R. Craig Bryson
                                                     R. Craig Bryson
By:      /s/ Corey B Lindley
Name:    Corey B. Lindley
Its:     Vice President                              /s/ Craig S. Tillotson
                                                     Craig S. Tillotson
NU SKIN INTERNATIONAL, INC.

By:      /s/ Corey B Lindley                         /s/ Steven J. Lund
Name:    Corey B. Lindley                            Steven J. Lund
Its:     Vice President

                                                     /s/ Keith R. Halls
THE MANAGERS:                                        Keith R. Halls

/s/ Richard W. King
Richard W. King                                      /s/ Anna Lisa Massaro Halls
                                                     Anna Lisa Massaro Halls

/s/ Nathan W. Ricks
Nathan W. Ricks                                      /s/ Brooke B. Roney
                                                     Brooke B. Roney

/s/ Kevin V. Doman
Kevin V. Doman                                       ---------------------------
                                                     Kirk V. Roney

                                                     /s/ Rick A. Roney
                                                     Rick A. Roney
<PAGE>
ATTACHED EXHIBITS:

EXHIBIT "A"  --  ASSET PURCHASE AGREEMENT
EXHIBIT "B"  --  FORM OF ESCROW AGREEMENT
EXHIBIT "C"  --  TERMINATION AGREEMENT
EXHIBIT "D"  --  MEMBER'S OWNERSHIP PERCENTAGES

--- Exhibits will be provide upon request ---EX-10.55

                               AMENDMENT NO. 1 TO

                   AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

        This Amendment No. 1 to the Amended and Restated Stockholders  Agreement
(this  "Amendment  Agreement") is entered into as of March 8, 1999 by and among
the  Stockholders who have executed the signature pages of this Agreement and Nu
Skin Enterprises,  Inc., a corporation  organized under the laws of the State of
Delaware (the  "Company").  This Amendment  Agreement shall be binding upon each
person who executes this Amendment  Agreement  notwithstanding the fact that any
other  Stockholders  fail or refuse to execute  this  Amendment  Agreement.  The
capitalized  terms used in this  Amendment  Agreement and not otherwise  defined
herein  shall have the  meanings  given such terms in the Amended  and  Restated
Stockholders  Agreement  dated  November  28, 1997 (the  "Amended  and  Restated
Stockholders Agreement").

                                    RECITALS

        A. WHEREAS, the Company has entered into a letter of intent with Nu Skin
USA,  Inc.,  Big Planet,  Inc.,  certain  shareholders  of Big Planet,  Inc. and
certain of the Initial Stockholders with respect to the potential acquisition by
the Company or its affiliates of Big Planet, Inc., Nu Skin Canada, Inc., Nu Skin
Mexico S.A. de C.V., a Mexico corporation  domesticated in the State of Delaware
under the name Nu Skin Mexico,  Inc., and Nu Skin  Guatemala,  S.A., a Guatemala
corporation  domesticated  in the  State  of  Delaware  under  the  name Nu Skin
Guatemala,  Inc. and further  regarding the  termination  of various  agreements
between Nu Skin  International,  Inc., a subsidiary of the Company,  and Nu Skin
USA,  Inc.  in  consideration  for the  payment to Nu Skin USA,  Inc. of certain
consideration  and the acquisition of certain assets by the Company from Nu Skin
USA, Inc. (all of the foregoing  proposed  transactions being referred to herein
collectively as the "Proposed Transactions"); and

        B.  WHEREAS,  in  connection  with  the  Proposed  Transactions  and the
Company's  efforts to pursue  certain  liquidity  events for those  Stockholders
executing  this  Amendment  Agreement,   the  Company  has  requested  that  the
Stockholders   execute  this  Amendment  Agreement  and  extend  certain  resale
restrictions set forth therein;

        NOW,  THEREFORE,  in  consideration  of  the  premises  and  the  mutual
agreements set forth herein and for other good and valuable  consideration,  the
receipt and  sufficiency  of which are hereby  acknowledged,  the Parties hereto
irrevocably agree as follows:

        1. Section 2.2 Lock-up  Agreement is hereby  amended to provide that the
Extended  Lock-up Period for all  Stockholders who execute this Agreement (other
than  the  trusts   identified  on  Schedule  B  to  the  Amended  and  Restated
Stockholders  Agreement) is extended  until and shall  terminate on December 31,
1999.  All other terms and conditions of Section 2.2 of the Amended and Restated
Stockholders  Agreement  shall  remain in full  force  and  effect.  The  trusts
identified on Schedule B to the Amended and Restated Stockholders  Agreement and
those  Stockholders  who elect not to execute  this  Amendment  Agreement  shall
remain  subject to the original  Extended  Lock-up  Period,  and  following  the
expiration of such original  Extended Lock-up Period shall remain subject to the
limitations  on resale as set forth in the  Amended  and  Restated  Stockholders
Agreement during the Restricted Resale Period.

        2. Section 2.3 Post Lock-up  Selling  Restrictions  is hereby amended to
provide that the Restricted  Resale Period for all  Stockholders  (including the
trusts identified on Schedule B to the Amended

                                       -1-
<PAGE>
and Restated  Stockholders  Agreement and those  Stockholders who do not execute
this  Agreement)  shall expire on March 26, 2000. All other terms and conditions
of Section 2.3 of the Amended and Restated  Stockholders  Agreement shall remain
in full force and effect.

        3. Section 3.4  Application  of Agreement to Transfers in Private Resale
Transactions  is hereby  amended by adding the following  sentence at the end of
such Section:

        "Notwithstanding the foregoing, upon request to the Company, the Company
        may  authorize,  which  authorization  may be granted or withheld in its
        sole  discretion  exercised in good faith,  a donee that is a non-profit
        entity that is qualified under Section 501(c)(3) of the Internal Revenue
        Code and is  unaffiliated  with any  Stockholder  to sell shares and not
        have  such  shares  aggregated  with  any  shares   transferred  by  the
        Transferring Stockholder for purposes of the Rule 144 Allotment provided
        that such donee  sells the shares in  accordance  with the  requirements
        specified  by the Company such as selling  such shares  through  Merrill
        Lynch's  Provo  office,  over such time period as may be required by the
        Company,  and in such  manner  and during  such time  period as will not
        adversely  affect  the price or market of the  Company's  Class A Common
        Stock.

        4. Limited Resales. Each of Keith R. Halls, or affiliates he designates,
Anna Massaro Halls, or affiliates she designates, Rick A. Roney, Burke F. Roney,
Park R. Roney, and the MAR Trust, if they execute this Amendment Agreement,  may
(A) sell to the Company in 1999 20,000 shares of their Class A or Class B Common
Stock at a purchase  price equal to 80% of the fair market  value of such shares
based on the lower of the closing price of the Company's Class A Common Stock on
the New York  Stock  Exchange  on the  date  prior  to the  announcement  of the
execution of the letter of intent regarding the Proposed Transactions or the day
immediately prior to the date of the purchase of such shares by the Company, and
(B) notwithstanding  their agreement to extend the Extended Lock-Up Period, sell
20,000  shares  between  September  1,  1999  and  December  31,  1999  if  such
Stockholder  does not (i) sell any shares to the Company  during 1999,  and (ii)
does not sell any shares in a private placement or a secondary offering prior to
September  1,  1999.  Any such  sales  shall be made  through  Merrill  Lynch in
accordance  with the provisions of 2.3.2 and 2.3.3,  and for purposes of Section
2.3.3,  the  Stockholder's  Rule 144 Allotment for the period from  September 1,
1999 through December 31, 1999 shall be deemed to be 20,000 shares.

        5. Liquidity  Events.  As additional  consideration  to the Stockholders
who, together with all of their Stockholder  Controlled  Entities,  execute this
Amendment  Agreement and agree to the extension of the Extended  Lock-up  Period
prior to March 15,  1999,  the Company will  endeavor to pursue other  liquidity
alternatives for such  Stockholders,  market conditions  permitting.  Any of the
Stockholders  who elect not to execute this Amendment  Agreement  prior to March
15,  1999  shall  not  have  any  right to  participate  in any  such  liquidity
alternative  or event  except for such  limited  rights  that they may have with
respect to any registered,  underwritten offering commenced by the Company under
the  piggy-back  registration  rights  provisions  of the Amended  and  Restated
Stockholders Agreement.

        6. Counterparts.  This Agreement may be executed by facsimile and by any
number of counterparts, each of which shall be deemed to be an original, but all
of which together shall  constitute one agreement.  Each counterpart may consist
of a number of copies each signed by less than all, but  together  signed by all
of the Parties hereto.

        7. Effect of Amendment.  This Amendment Agreement amends the Amended and
Restated  Stockholders  Agreement only to the extent expressly  provided herein.
Pursuant to Section  12.5 of the Amended and  Restated  Stockholders  Agreement,
this Amendment Agreement shall be binding upon each

                                       -2-
<PAGE>
of the Stockholders who elect to execute this Amendment Agreement even if one or
more of the Stockholders fail or refuse to execute this Amendment Agreement.  To
the extent provisions of the Amended and Restated Stockholders Agreement are not
expressly modified or amended by this Agreement, such unamended provisions shall
continue  in full  force and  effect and shall be  construed  together  with the
amendments set forth herein as the entire  agreement of the parties hereto.  The
Amendment Agreement shall not apply to any Stockholder who does not execute this
Amendment Agreement,  but such Stockholder shall remain subject to and obligated
under the terms of the  Amended and  Restated  Stockholders  Agreement,  without
giving  effect  to  this  Amendment,  and  this  Amendment  shall  in no  way be
interpreted  as limiting  the  obligations  or  restrictions  in the Amended and
Restated  Stockholders  Agreement with respect to any  Stockholder  who does not
execute  this  Amendment  Agreement.  In the  event  the  Company  or one of its
subsidiaries  has not entered  into a definitive  agreement  with respect to the
Proposed  Transactions by May 15 1999, the amendments referred to in Sections 1,
2 and 4 hereof  shall  expire  and no longer be of any force or effect  from the
date of such written notice.

                      [SIGNATURE PAGES BEGIN ON NEXT PAGE]

                                       -3-
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

        IN WITNESS  WHEREOF,  this Agreement has been signed by duly  authorized
signatories  of the Parties  hereto and is binding upon the Parties hereto as of
the date first above written.

                                       NU SKIN ENTERPRISES, INC.,
                                       a Delaware Corporation

                                       By:    /s/ Truman Hunt
                                       Its:   Vice President

                                       By: /s/ Blake M. Roney
                                       Blake M. Roney, individually

                                       By: /s/ Nancy l. Roney
                                       Nancy L. Roney, individually

                                       THE ALL R'S TRUST

                                       By: /s/ L. S. McCullough
                                       L. S. McCullough
                                       Its:   Trustee

                                       THE B & N RONEY TRUST

                                       By: /s/ L. S. McCullough
                                       L. S. McCullough
                                       Its:   Trustee

                                       THE WFA TRUST

                                       By: /s/ L. S. McCullough
                                       L. S. McCullough
                                       Its:   Trustee

                                       S-1
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       BNASIA, LTD.

                                       By: /s/ Blake M. Roney
                                       Blake M. Roney
                                       Its:   General Partner

                                       By: /s/ Nancy L. Roney
                                       Nancy L. Roney
                                       Its:   General Partner

                                       THE BLAKE M. AND NANCY L. RONEY
                                       FOUNDATION

                                       By: /s/ Blake M. Roney
                                       Blake M. Roney
                                       Its:   Trustee

                                       By: /s/ Nancy L. Roney
                                       Nancy L. Roney
                                       Its:   Trustee

                                       THE ONE FOUNDATION

                                       By: /s/ Blake M. Roney
                                       Blake M. Roney
                                       Its:   Trustee

                                       By: /s/ Nancy L. Roney
                                       Nancy L. Roney
                                       Its:   Trustee

                                       By: /s/ Keith R. Halls
                                       Keith R. Halls
                                       Its:   Trustee

                                       S-2
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       B & N RHINO COMPANY, L.C.

                                       By: /s/ Craig F. McCullough
                                       Craig F. McCullough
                                       Its:   Manager

                                       /s/ Nedra D. Roney
                                       Nedra D. Roney, individually

                                       Rick A. Roney, individually

                                       /s/ Burke F. Roney
                                       Burke F. Roney, individually

                                       /s/ Park R. Roney
                                       Park R. Roney, individually

                                       THE MAR TRUST

                                       By: /s/ Tom D. Branch
                                       Tom D. Branch
                                       Its:   Trustee

                                       THE NR TRUST

                                       By: /s/ Tom D. Branch
                                       Tom D. Branch
                                       Its:   Trustee

                                       S-3
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       THE ROSE FOUNDATION

                                       By: /s/ Nedra D. Roney
                                       Nedra D. Roney
                                       Its:   Trustee

                                       By: /s/ Tom D. Branch
                                       Tom D. Branch
                                       Its:   Trustee

                                       THE NEDRA RONEY FIXED CHARITABLE TRUST

                                       By: /s/ Tom D. Branch
                                       Tom D. Branch
                                       Its:   Trustee

                                       NR RHINO COMPANY, L.C.

                                       By: /s/ Craig F. McCullough
                                       Craig F. McCullough
                                       Its:   Manager

                                       /s/ Sandra N. Tillotson
                                       Sandra N. Tillotson, individually

                                       THE SNT TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE DVNM TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       S-4
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       THE CWN TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE DPN TRUST

                                       By: /s/ Craig S. Tillotson
                                       Craig S. Tillotson
                                       Its:   Trustee

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE GNT TRUST

                                       By: /s/ Craig S. Tillotson
                                       Craig S. Tillotson
                                       Its:   Trustee

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE LMB TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       S-5
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       THE SANDRA N. TILLOTSON FOUNDATION

                                       By: /s/ Sandra N. Tillotson
                                       Sandra N. Tillotson
                                       Its:   Trustee

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE SANDRA N. TILLOTSON FIXED
                                       CHARITABLE TRUST

                                       By: /s/ Sandra N. Tillotson
                                       Sandra N. Tillotson
                                       Its:   Trustee

                                       By: /s/ L. S. McCullough
                                       L. S. McCullough
                                       Its:   Independent Trustee

                                       SNT RHINO COMPANY, L.C.

                                       By: /s/ Craig S. Tillotson
                                       Craig S. Tillotson
                                       Its:   Manager

                                       /s/ Steven J. Lund
                                       Steven J. Lund, individually

                                       /s/ Kalleen Lund
                                       Kalleen Lund, individually

                                       SKASIA, LTD.

                                       By: /s/ Steven J. Lund
                                       Steven J. Lund
                                       Its:   General Partner

                                       S-6
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       By: /s/ Kalleen Lund
                                       Kalleen Lund
                                       Its:   General Partner

                                       THE S AND K LUND TRUST

                                       By: /s/ Blake M. Roney
                                       Blake M. Roney
                                       Its:   Trustee

                                       THE STEVEN J. AND KALLEEN LUND
                                       FOUNDATION

                                       By: /s/ Steven J. Lund
                                       Steven J. Lund
                                       Its:   Trustee

                                       By: /s/ Kalleen Lund
                                       Kalleen Lund
                                       Its:   Trustee

                                       THE STEVEN AND KALLEEN LUND FIXED
                                       CHARITABLE TRUST

                                       By: /s/ Steven J. Lund
                                       Steven J. Lund
                                       Its:   Trustee

                                       By: /s/ Steven J. Lund
                                       Kalleen Lund
                                       Its:   Trustee

                                       By: /s/ L. S. McCullough
                                       L. S. McCullough
                                       Its:   Independent Trustee

                                       S & K RHINO COMPANY, L.C.

                                       By: /s/ Craig F. McCullough
                                       Craig F. McCullough
                                       Its:   Manager

                                       S-7
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       /s/ Brooke B. Roney
                                       Brooke B. Roney, individually

                                       /s/ Denice R. Roney
                                       Denice R. Roney, individually

                                       BDASIA, LTD.

                                       By: /s/ Brooke B. Roney
                                       Brooke B. Roney
                                       Its:   General Partner

                                       By: /ss Denice R. Roney
                                       Denice R. Roney
                                       Its:   General Partner

                                       THE B AND D RONEY TRUST

                                       By: /s/ Blake M. Roney
                                       Blake M. Roney
                                       Its:   Trustee

                                       THE BROOKE BRENNAN AND DENICE RENEE
                                       RONEY FOUNDATION

                                       By: /s/ Brooke B. Roney
                                       Brooke B. Roney
                                       Its:   Trustee

                                       By: /s/ Denice R. Roney
                                       Denice R. Roney
                                       Its:   Trustee

                                       Kirk V. Roney, individually

                                       S-8
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       Melanie K. Roney, individually

                                       KMASIA, LTD.

                                       By:
                                       Kirk V. Roney
                                       Its:   General Partner

                                       By:
                                       Melanie K. Roney
                                       Its:   General Partner

                                       THE K AND M RONEY TRUST
                                       By:
                                       Rick A. Roney
                                       Its:   Trustee

                                       THE KIRK V. AND MELANIE K. RONEY
                                       FOUNDATION

                                       By:
                                       Kirk V. Roney
                                       Its:   Trustee

                                       By:
                                       Melanie K. Roney
                                       Its:   Trustee

                                       THE KIRK AND MELANIE RONEY FIXED
                                       CHARITABLE TRUST

                                       By:
                                       Kirk V. Roney
                                       Its:   Trustee

                                       S-9
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       By:
                                       Melanie K. Roney
                                       Its:   Trustee

                                       By:
                                       L. S. McCullough
                                       Its:   Trustee

                                       K & M RHINO COMPANY, L.C.

                                       By:
                                       Craig F. McCullough
                                       Its:   Manager

                                       /s/ Keith R. Halls
                                       Keith R. Halls, individually

                                       /s/ Anna Lisa Massaro Halls
                                       Anna Lisa Massaro Halls, individually

                                       KAASIA, LTD.

                                       By: /s/ Keith R. Halls
                                       Keith R. Halls
                                       Its:   General Partner

                                       By: /s/ Anna Lisa Halls
                                       Anna Lisa Halls
                                       Its:   General Partner

                                       THE K AND A HALLS TRUST

                                       By: /s/ Michael Lee Halls
                                       Michael Lee Halls
                                       Its:   Trustee

                                      S-10
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       By: /s/ Dennis Morgan
                                       Dennis Morgan
                                       Its:   Trustee

                                       THE HALLS FAMILY TRUST

                                       By: /s/ Michael Lee Halls
                                       Michael Lee Halls
                                       Its:   Trustee

                                       By: /s/ Dennis Morgan
                                       Dennis Morgan
                                       Its:   Trustee

                                       THE KEITH AND ANNA LISA HALLS FIXED
                                       CHARITABLE TRUST

                                       By: /s/ Keith R. Halls
                                       Keith R. Halls
                                       Its:   Trustee

                                       By: /s/ Anna Lisa Halls
                                       Anna Lisa Halls
                                       Its:   Trustee

                                       By: /s/ L. S. McCullough
                                       L. S. McCullough
                                       Its:   Independent Trustee

                                       THE KEITH RAY AND ANNA LISA MASSARO
                                       HALLS FOUNDATION

                                       By: /s/ Keith R. Halls
                                       Keith R. Halls
                                       Its:   Trustee

                                       By: /s/ Anna Lisa Halls
                                       Anna Lisa Halls
                                       Its:   Trustee

                                      S-11
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       K & A RHINO COMPANY, L.C.

                                       By: /s/ Craig F McCullough
                                       Craig F. McCullough
                                       Its:   Manager

                                       /s/ Craig S. Tillotson
                                       Craig S. Tillotson, individually

                                       THE CST TRUST

                                       By: /s/ Robert L. Stayner
                                       Robert L. Stayner
                                       Its:   Trustee

                                       THE JS TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE JT TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE CB TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                      S-12
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       THE CM TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE BCT TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE ST TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE NJR TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE RLS TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE RBZ TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                      S-13
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       THE LB TRUST

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE CRAIG S. TILLOTSON FOUNDATION

                                       By: /s/ Craig S. Tilotson
                                       Craig S. Tillotson
                                       Its:   Trustee

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Trustee

                                       THE CRAIG S. TILLOTSON FIXED CHARITABLE
                                       TRUST

                                       By: /s/ Craig S. Tillotson
                                       Craig S. Tillotson
                                       Its:   Trustee

                                       By: /s/ Lee M. Brower
                                       Lee M. Brower
                                       Its:   Independent Trustee

                                       CST RHINO COMPANY, L.C.

                                       By: /s/ Sandra N. Tillotson
                                       Sandra N. Tillotson
                                       Its:   Manager

                                       /s/ R. Craig Bryson
                                       R. Craig Bryson, individually

                                       /s/ Kathleen D. Bryson
                                       Kathleen D. Bryson, individually

                                      S-14
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       RCKASIA, LTD.

                                       By: /s/ R. Craig Bryson
                                       R. Craig Bryson
                                       Its:   General Partner

                                       By: /s/ Kathleen D. Bryson
                                       Kathleen D. Bryson
                                       Its:   General Partner

                                       THE C AND K TRUST

                                       By: /s/ Steven J. Lund
                                       Steven J. Lund
                                       Its:   Trustee

                                       THE BRYSON FOUNDATION

                                       By: /s/ R. Craig Bryson
                                       R. Craig Bryson
                                       Its:   Trustee

                                       By: /s/ Kathleen D. Bryson
                                       Kathleen D. Bryson
                                       Its:   Trustee

                                       THE BRYSON FIXED CHARITABLE TRUST

                                       By: /s/ R. Craig Bryson
                                       R. Craig Bryson
                                       Its:   Trustee

                                       By: /s/ Kathleen D. Bryson
                                       Kathleen D. Bryson
                                       Its:   Trustee

                                       By: /s/ Robert L. Stayner
                                       Robert L. Stayner
                                       Its:   Independent Trustee

                                      S-15
<PAGE>
                        SIGNATURE PAGE OF AMENDMENT NO. 1
                 TO AMENDED AND RESTATED STOCKHOLDERS AGREEMENT

                                       CKB RHINO COMPANY, L.C.

                                       By: /s/ Keith R. Halls
                                       Keith R. Halls
                                       Its:   Manager

                                       THE RICK AND KIMBERLY RONEY VARIABLE
                                       CHARITABLE REMAINDER UNITRUST

                                       By:
                                       James Blaylock
                                       Its:   Trustee

                                       THE RICK AND KIMBERLY RONEY FIXED
                                       CHARITABLE UNITRUST

                                       By:
                                       Rick A. Roney
                                       Its:   Trustee

                                       By:
                                       Kimberly Roney
                                       Its:   Trustee

                                       By:
                                       L.S. McCullough
                                       Its:   Independent Trustee

                                      S-16

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