Document:

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                                                                   Exhibit 10(A)

                                FOURTH AMENDMENT
                               TO CREDIT AGREEMENT

         This FOURTH AMENDMENT TO CREDIT AGREEMENT (the "FOURTH AMENDMENT") is
dated as of the 14th day of March, 2001 by and among DAIRY MART CONVENIENCE
STORES, INC., a Delaware corporation (the "COMPANY"), the banks and other
financial institutions listed on Schedule I to the Credit Agreement (as
hereinafter defined) (collectively, together with any banks or financial
institutions from time to time parties to the Credit Agreement, the "BANKS") and
CITIZENS BANK OF CONNECTICUT, a Connecticut stock savings bank, as agent for the
Banks (in such capacity, the "AGENT").

                              W I T N E S S E T H:

         The Company, the Banks, and the Agent are parties to a certain Credit
Agreement dated as of the 28th day of December, 1999 (as amended and in effect
from time to time, the "CREDIT AGREEMENT") whereby the Banks agreed to make
loans and advances and otherwise extend credit to the Company.

         The Company, the Banks, and the Agent desire to further amend the
Credit Agreement.

         Section 10.1. of the Credit Agreement provides that no amendment,
supplement or modification of the Credit Agreement shall be effective unless the
same shall be in writing and signed by the Company, the Required Banks and the
Agent.

         NOW, THEREFORE, in consideration of one dollar ($1.00) and the other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the Company, the Banks and the Agent hereby agree as follows:

         1. Defined Terms. Defined terms not defined herein shall have the
meanings ascribed to them in the Credit Agreement.

         2. Amendment to Credit Agreement. Section 2.11(c) of the Credit
Agreement is deleted.

         3. Amendment Fee. In consideration of the agreement of the Banks to
execute and deliver this Fourth Amendment, the Company shall pay to the Agent
for the ratable benefit of the Banks an amendment fee in the amount of $500,000
(the "AMENDMENT FEE"). The Amendment Fee is earned by the Banks as of the date
hereof, and shall be payable on the Amendment Fee Payment Dates regardless of
any event that occurs after the date hereof. The Amendment Fee shall be payable
on the following dates (the "AMENDMENT FEE PAYMENT DATES"): (a) $ 50,000 of the
Amendment Fee shall be payable on March 19, 2001; (b) $ 450,000 of the Amendment
Fee shall be payable on April 16, 2001. Any failure of the Company to pay each
installment of the Amendment Fee as and when payable under this paragraph shall
constitute an Event of Default under Section 8(a) of the Credit Agreement.

         4. Confirmation of Agreements. The Company, the Banks, and the Agent
hereby agree that, except as provided in this Fourth Amendment, the Credit
Agreement, the Notes and the Loan Documents, and the grant of the liens,
security interests and other

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encumbrances thereunder, and their agreements, covenants, obligations,
representations and warranties thereunder and therein are hereby expressly
ratified, confirmed and restated as of the date hereof.

         5. Effect of Amendment. The Company, the Banks, and the Agent hereby
agree that, except as provided in this Fourth Amendment, the Credit Agreement
(as previously amended) remains in full force and effect and has not been
modified or amended in any respect, it being the intention of the Company, the
Banks, and the Agent that this Fourth Amendment and the Credit Agreement (as
previously amended) be read, construed and interpreted as one and the same
instrument.

         6. Benefit. This Fourth Amendment shall inure to the benefit of and
bind the parties hereto.

         7. Amendments. This Fourth Amendment shall be modified only by a
writing executed by the Company, the Agent and the Required Banks.

         8. Counterparts. This Fourth Amendment may be executed in any number of
counterparts, each of which when so executed and delivered shall be deemed to be
an original and all of which counterparts, taken together, shall constitute but
one and the same instrument. A facsimile of an executed counterpart shall have
the same effect as the original executed counterpart.

         9. Release and Indemnity. (a) The Company, on behalf of itself, its
Subsidiaries and their respective successors and assigns, hereby waives,
releases and discharges the Banks and the Agent, any affiliate of the Banks and
the Agent and all directors, officers, shareholders, employees and agents of the
Banks or the Agent or any affiliate of the Banks or the Agent, from any and all
claims, demands, actions or causes of action arising out of or in any way
relating to the Credit Agreement, this Fourth Amendment, the credit
relationships between the Company, the Banks and the Agent relative thereto, and
any documents, agreements, dealings or other matters connected therewith,
including without limitation all known and unknown matters, claims, transactions
or things occurring prior to the Effective Date (as defined in paragraph 11
below) related to the subject matter thereof and hereof.

                  (b) The Company, on behalf of itself, its Subsidiaries and
their respective successors and assigns, hereby waives, releases and discharges
the Banks and the Agent, any affiliates of the Banks and the Agent, and all
directors, officers, shareholders, employees and agents of the Banks or the
Agent or any affiliate of the Banks or the Agent, from any and all claims,
demands, actions or causes of action arising out of or in any way relating to
any other credit or loan relationship between the Company, the Banks or the
Agent, and any documents, agreements, dealings or other matters connected with
such other credit or loan relationship, including without limitation all known
and unknown matters, claims transactions or things occurring prior to the
Effective Date.

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                  (c) The Company, on behalf of itself, its Subsidiaries and
their respective successors and assigns, agrees, jointly and severally with
itself and its Subsidiaries, to indemnify and hold the Banks and the Agent, any
affiliate of the Banks and the Agent and all directors, officers, shareholders,
employees and agents of the Banks or the Agent or any affiliate of any Bank or
the Agent harmless from and against any and all damages, losses, obligations,
payments, liabilities, claims, actions or causes of action, fees or expenses
(including legal fees) and other matters of every kind and character incurred,
sustained or paid by the Banks or the Agent, any affiliate of the Banks or the
Agent or any of such directors, officers, shareholders, employees and agents
arising out of or in any way relating to the Credit Agreement, this Fourth
Amendment, the administration of the credit relationships between the Company,
the Banks and the Agent, and any other credit or loan relationship between the
Company, the Banks or the Agent, and any documents, agreements, dealings or
other matters connected therewith, including without limitation all known and
unknown matters, claims transactions or things occurring prior to the Effective
Date related to the subject matter thereof or hereof. In the event of litigation
or other proceedings relating to any of the foregoing, the Banks and the Agent
shall be entitled to select their own legal counsel and, in addition to the
foregoing indemnity, the Company and its Subsidiaries agree to promptly pay the
reasonable fees and expenses of such counsel.

                  (d) The Company, on behalf of itself and its Subsidiaries,
acknowledges that it makes this release and indemnity knowingly, voluntarily and
only after considering the ramifications hereof with its legal counsel.

         10. Effectiveness. This Fourth Amendment shall become effective as of
the date of the execution and delivery by each of the Company, Banks
constituting the Required Banks, and the Agent of a counterpart of this Fourth
Amendment, and the payment by the Company to the Agent of (a) the portion of the
Amendment Fee that is payable on the date hereof, and (b) the counsel fees
incurred by the Agent in connection with the preparation, execution and delivery
of this Fourth Amendment (the "EFFECTIVE DATE").

                        [SIGNATURES FOLLOW ON NEXT PAGE]

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         IN WITNESS WHEREOF, the parties hereto have executed this Fourth
Amendment as of the Effective Date.

                                     DAIRY MART CONVENIENCE STORES, INC.

                                     By: /s/  Gregg R. Budoi
                                        ----------------------------------------
                                        Name: Gregg R. Budoi
                                        Title: Treasurer

                                     CITIZENS BANK OF CONNECTICUT,
                                        Individually and as Agent

                                     By: /s/ Christopher G. Daniel
                                        ----------------------------------------
                                         Name: Christopher G. Daniel
                                         Title: Vice President

                                     NATIONAL CITY BANK

                                     By: /s/ Lawrence J. Hannan
                                        ----------------------------------------
                                         Name: Lawrence J. Hannan
                                         Title: Senior Vice President

                                     PROVIDENT BANK

                                     By: /s/  James M. Hojnacki
                                        ----------------------------------------
                                         Name: James M. Hojnacki
                                         Title: Vice President<PAGE>   1
                                  EXHIBIT 10.39

                               MILLENNIUM FUNDING
                                    A Canfield Capital Management LLC Company

           Thursday, June 29, 2000

           Mr. Ken Schilling
           iBIZ Technology Corp.
           1919 West Long Cactus
           Phoenix, AZ 85027
           C/O: Mitchell Cohen

                 RE:    RECEIVABLES FACTORING & PO FUNDING PROPOSAL

           Dear Ken:

           Thank you for your recent submission to Millennium Funding, a
           Canfield Capital Management, LLC company [hereinafter referred to as
           "Millennium" with any such reference to be deemed to include any
           affiliates of Millennium] of iBIZ Technology Corp. The information
           with which this organization has been furnished regarding iBIZ
           Technology Corp, has been carefully reviewed and considered.

           Based on the information presented to Millennium by iBIZ Technology
           Corp., and subject to the requirements, terms, conditions and
           contingencies expressed herein, a preliminary determination has been
           made to extend to iBIZ Technology Corp. certain requested trade
           financing.

           I.  Specific Nature of Millennium Proposal. The Millennium proposal
           contained herein is as follows:

           To make available and provide, as requested by iBIZ Technology Corp.
           and thereafter approved on a trade transaction by transaction basis
           by Millennium based on certain criteria, through the capitalization
           of a supply agreement, up to ninety percent (90%) of the required
           product acquisition costs and ancillary/attendant transactional costs
           (which may include without limitation inspection, forwarding,
           freight, insurance's, duties, warehousing and banking charges) to
           certain suppliers/intended recipients situated within or without the
           United States for the manufacture and distribution, of

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           various electronic hardware components, payable directly to such
           suppliers/intended recipients by way of either (1) cash up-front
           (wire-transfer or check), (2) cash on delivery (wire transfer, check
           or certified check), (3) pre-posted commercial escrow payable at
           sight upon presentation of documents following delivery anal
           inspection of such product, (4) pre-posted commercial letter of
           credit payable at sight upon presentation of documents following
           delivery and inspection of such product, or (5) any combination of
           the above, as required by the particular transactional circumstances,
           and as ultimately determined by Millennium in its sole and exclusive
           discretion on a trade transaction by transaction basis.

           II.  Integral Logistical & Financial Terms/Requirements/Conditions.
           Without limitation, any and all trade transactions contemplated
           hereby shall be subject to the following integral logistical and
           financial terms/requirements/conditions:

           1. Unless otherwise agreed to by Millennium and iBIZ, trade
           transactions shall be initiated in accordance with the following:

           A)  Cash Basis Transactions.  For trade transactions in which the
           applicable iBIZ Technology Corp. customer is either (1) a non U.S.
           domiciled entity or (2) otherwise being required by iBIZ Technology
           Corp., and/or Millennium to pay for the product on a cash basis (i.e.
           anything other than an open-credit terms basis), the procedure shall
           be as follows:

              i)  Commercial Escrow. For any trade transactions in which
              Millennium approves payment by iBIZ Technology Corp. customer in
              the form of a pre-posted commercial escrow:

              a)  The receipt by iBIZ Technology Corp. and .Millennium of an
              irrevocable purchase order issued by the iBIZ Technology Corp.
              customer acceptable to Millennium in its sole and exclusive
              discretion;

              b)  The negotiation and manifestation in written form of a
              purchase and sale agreement or supply agreement, including all
              terms and conditions, with an iBIZ Technology Corp. supplier
              nominated by iBIZ Technology Corp., and approved by Millennium in
              its sole and exclusive discretion; and

              c)  Receipt by Millennium of notice by an escrow agent of the
              posting of escrow on the account of such iBIZ Technology Corp.
              customer in favor of Millennium as beneficiary and payable at
              sight upon presentation of appropriate delivery documentation.

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              ii) Commercial Letter of Credit.  For any transactions in which
              Millennium requires payment by the iBIZ Technology Corp. customer
              in the form of a commercial letter of credit:

              a)  The receipt by iBIZ Technology Corp., and Millennium of an
              irrevocable purchase order issued by the iBIZ Technology Corp.
              customer acceptable to Millennium in its sole and exclusive
              discretion;

              b)  The negotiation and manifestation in written form of a
              purchase and sale agreement or supply agreement including all
              terms and conditions, with an iBIZ Technology Corp. supplier
              nominated by iBIZ Technology Corp., and approved by Millennium in
              its sole and exclusive discretion;

              c)  The receipt by Millennium of a confirmation, as determined in
              the sole and exclusive discretion of Millennium from a money
              center bank of an irrevocable, commercial letter of credit opened
              on the account of such iBIZ Technology Corp. customer in favor of
              Millennium as beneficiary and payable at sight upon presentation
              of documentation and containing terms and conditions consistent
              with those pre-approved by Millennium.

              B)  Open-Credit Transactions. For transactions in which the iBIZ
              Technology Corp. customer has been pre-approved by Millennium for
              the extension of open-credit sales terms, the procedure shall be
              as follows:

              a)  The receipt by iBIZ Technology Corp, and Millennium of an
              irrevocable purchase order issued by the iBIZ Technology Corp.,
              customer acceptable to Millennium to its sole and exclusive
              discretion;

              b)  The negotiation and manifestation in written form of a
              purchase and sale agreement or supply agreement, including all
              terms and conditions, with an iBIZ Technology Corp. supplier
              nominated by iBIZ Technology Corp. and approved by Millennium in
              its sole and exclusive discretion;

              c)  The negotiation of a final written signed purchase and sale
              agreement, including all terms and conditions, between iBIZ
              Technology Corp., and that iBIZ Technology Corp., customer from
              whom the original purchase order had been issued. Agreement to be
              approved by Millennium in its sole and exclusive discretion;

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              2:  Any and all administrative procedural requirements to which
              the supply agreement shall be subject shall be dictated by
              Millennium in its sole and exclusive discretion, and any all such
              requirements shall be adhered to by iBIZ Technology Corp.
              throughout the term of any agreement entered into in connection
              herewith.

              3:  Any and all product acquired from suppliers by Millennium for
              further sale to or through iBIZ Technology Corp. pursuant to any
              of the trade transactions contemplated hereby shall conform in any
              and all ways to any and all applicable standards and/or
              regulations for any states, provinces or countries to which it
              will be subject including without limitation any such regulations
              promulgated by the United States Department of Commerce
              (U.S.D.C.), and the United States Consumer Product Safety
              Commission (U.S.C.P.S.O), and may be inspected from time to time
              for purposes of quality control and insuring such conformity, and
              approved in writing by authorities acceptable to Millennium in its
              sole and exclusive discretion.

              4:  Any and all providers of products and services and the
              agreements concurrent to a relationship with same required for the
              consummation of the transaction, including without limitation any
              suppliers, packers, freight carriers, insurance providers and
              banks) shall be subject to the approval of Millennium in its sole
              and exclusive discretion.

              5:  For that period until the time at which title to the subject
              product passes from the respective supplier up until that point in
              time at which title to such product is passed along to the
              appropriate iBIZ Technology Corp. customer, such shall be covered
              by proper insurance for full value against loss, theft, damage and
              destruction as determined in the sole and exclusive discretion of
              Millennium. Any and all insurance policies procured in connection
              with the trade transactions contemplated hereby shall name
              Millennium as the exclusive loss payee/beneficiary.

           III.  Cost of Millennium Transactional Financing.  In consideration
           for providing the trade financing and/or supply agreement, Millennium
           shall be entitled to a discount in accordance with the following:

              For each transaction contemplated, that amount calculated in
              direct relation to the number of days between that date upon which
              such monies are debited from a Millennium account in the

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              U.S. and that date upon which Millennium's account in the U.S. is
              duly credited (following receipt of payment by customer or receipt
              of funds in connection with any escrow or applicable letters of
              credit) on a first-out/first-in basis, in accordance with the
              following:

<TABLE>
<CAPTION>
                    PRODUCT ACQUISITION AND            CORRESPONDING
                        DELIVERY PERIOD                  DISCOUNT*
                        ---------------                  ---------
<S>                                                   <C>
               01 to 30 Days                          4.00%
               Each 10 Days Thereafter                1.34%
               *NOTE: Discount is based on value
               of dollars funded.

                        FACTORING PERIOD              Corresponding
                                                      Discount**
                     UP TO $150,000 EMPLOYED
                          01 TO 30 DAYS               2.90%
                     EACH ADDITIONAL 10 DAYS          1.00%
                            THEREAFTER

                  $150,001 TO $300,000 EMPLOYED       2.75%
                          01 TO 30 DAYS               0.91%

                     OVER $300,000 EMPLOYED
                          01 TO 30 DAYS               2.50%
                     EACH ADDITIONAL 10 DAYS          0.834%
                            THEREAFTER
</TABLE>

               **NOTE:  Factoring Period assumes a 70% advance and discount
               against the value of the receivable(s).

           IV.  Term.  There will be no contractual term enforced through any
           Agreement entered into it connection herewith.

           V.  Exclusivity.  Any agreements entered into in connection herewith
           shall not require that iBIZ Technology Corp., exclusively submit
           funding requests solely to Millennium.

           VI. Subject to Due Diligence. The proposal contained herein is
           subject in full to the review and verification, to the full
           subjective satisfaction of Millennium, of all previously or
           hereinafter requested and existing documentation and/or other
           information relating to iBIZ Technology Corp., and the subject
           trade/purchase order transactions, however conducted, including
           without limitation

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           all documentation/information relating to suppliers, customers,
           product, actual or proposed letters of credit or other financial
           instruments, shipping documentation, freight considerations, business
           organizational documentation, business principals and management, and
           transactional logistical considerations.

           VII.  Subject to Legal Documentation.  The proposal contained herein
           is subject in full to the execution, by an authorized officer of iBIZ
           Technology Corp., and by Millennium.

           VIII. Subject to Acceptance/Payment of Expenses. The proposal
           contained herein is subject in full to the receipt by Millennium, by
           the close of business (5:00 pm EDT) on July 7, 2000, of a signed
           original of this Contingent Letter of Proposal. The proposal
           contained herein is subject further to iBIZ Technology Corp. agreeing
           to pay in advance as required by Millennium, a fee of $500 to offset
           legal and due diligence costs incurred by Millennium.

          Your signature below shall serve as your acceptance of the terms
          hereof. Any offers contained herein shall be valid through the close
          of business (5:00 pm EDT) on July 7, 2000, and shall be deemed
          revoked thereafter unless otherwise expressly provided in writing by
          Millennium.

          Thank you for your attention in this matter.

          Very truly yours,
          MILLENNIUM FUNDING

          /s/  NEAL R. POLSHUK
          Neal R. Polshuk
          Managing Partner

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                          ACKNOWLEDGEMENT & ACCEPTANCE

           I have read the foregoing contingent letter of proposal and hereby
           acknowledge and accept the terms contained therein.

                        iBIZ TECHNOLOGY CORP.

                        /s/ TERRY S. RATLIFF
                        ------------------------------------
                        Signature

                              Vice President
                        ------------------------------------
                        Print Name and Title

                              07/07/00
                        ------------------------------------
                        Date

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