Document:

<PAGE>   1
                                                                   EXHIBIT 4.44

                             VISION TWENTY-ONE, INC.
        FIRST AMENDMENT TO CONVERTIBLE NOTE AGREEMENT, WARRANT AGREEMENT,
                                  AND WARRANTS

         This First Amendment to Convertible Note Agreement, Warrant Agreement,
and Warrants (herein, the "Amendment") is entered into as of March 31, 2001,
among Vision Twenty-One, Inc., a Florida corporation (the "Borrower"), the
Lenders party hereto, and Bank of Montreal as Agent for the Lenders.

                             PRELIMINARY STATEMENTS

         A.       The Borrower, the Lenders, and the Agent are parties to a
Convertible Note Agreement, dated as of November 10, 2000 (herein, the
"Convertible Note Agreement"), and a Warrant Agreement dated as of November 10,
2000 (herein, the "Warrant Agreement"). All capitalized terms used herein
without definition shall have the same meanings herein as such terms have in the
Convertible Note Agreement.

         B.       The Borrower and the Lenders have agreed to amend the
Convertible Note Agreement, the Warrant Agreement, and the Warrants issued under
the Warrant Agreement on the terms and conditions as provided for in this
Amendment.

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

SECTION 1.        AMENDMENTS TO THE CONVERTIBLE NOTE AGREEMENT.

         Subject to the satisfaction of the conditions precedent set forth in
Section 3 below, the Convertible Note Agreement shall be and hereby is amended
as follows:

                  1.1.     Section 4.1(i) of the Convertible Note Agreement
         shall be amended and restated in its entirety to read as follows:

                           (i)      the Borrower and its shareholders
                  fail to approve and authorize the increase in the
                  authorized shares of the Borrower's capital stock
                  pursuant to the Plan of Restructuring by May 31,
                  2001, or the Borrower fails to reserve sufficient
                  shares of authorized capital stock of the Borrower to
                  satisfy the requirements of the Notes and this
                  Agreement by such date.

                  1.2.     The definition of "Additional Shares of Common Stock"
         appearing in Section 6.1 of the Convertible Note Agreement shall be
         amended by amending and restating clause (v) thereof to read as
         follows:

                           (v)      up to 11,194,000 shares of Common
                  Stock (as such number shall be appropriated adjusted
                  by the board of directors of
<PAGE>   2

                  the Company for stock splits, dividends, combinations
                  and other similar events) to be issued on or before
                  May 31, 2001, or to be issued upon exercise of
                  options granted before May 31, 2001, in connection
                  with, and as an express part of, the consummation of
                  the Plan of Restructuring.

                  1.3.     Section 7.8 of the Convertible Note Agreement shall
         be amended and restated in its entirety to read as follows:

                           Section 7.8.      Reservation of Common
                  Stock. The Borrower represents and warrants that on
                  the Closing Date it has reserved and set aside solely
                  for the purpose of issuance upon the conversion of
                  the Notes 32,405,937 authorized shares of its Common
                  Stock and agrees that it will, on or before May 31,
                  2001, cause the requisite number of shareholders
                  required to approve and ratify under applicable state
                  law an increase in the number of authorized shares of
                  capital stock of the Company so that from and after
                  the date such approval is obtained (and in all
                  events, from and after May 31, 2001) it will at all
                  times reserve and keep available such number of
                  authorized shares of its Common Stock, solely for the
                  purpose of issue upon the conversion of Notes as
                  herein provided for, as shall then be issuable upon
                  the conversion of all outstanding Notes.

                  1.4.     Section 4(c) of the Representations and Warranties
         set forth in Exhibit B to the Convertible Note Agreement shall be
         amended and restated in its entirety to read as follows:

                           (c)      have been duly authorized by
                  proper corporate and shareholder action on the part
                  of the Borrower, executed and delivered by the
                  Borrower and the Agreement, the Notes or the
                  Registration Rights Agreement constitute the legal,
                  valid and binding obligations, contracts and
                  agreements of the Borrower enforceable in accordance
                  with their respective terms; provided, however,
                  shareholder approval authorizing the increase in the
                  authorized shares of the Borrower's capital stock
                  required for the conversion of all Notes into Common
                  Stock shall be obtained in connection with the Plan
                  of Restructuring on or before May 31, 2001.

SECTION 2.        AMENDMENTS TO THE WARRANT AGREEMENT AND THE WARRANTS.

         2.1.     Section 1.4 of the Warrant Agreement shall be amended and
restated in its entirety to read as follows:

                                      -2-
<PAGE>   3

                           Section 1.4.      Covenant to Increase
                  Authorized Shares. The Company agrees to use its best
                  efforts to cause the requisite number of shareholders
                  required to approve and ratify under applicable state
                  law an increase in the number of authorized shares of
                  capital stock of the Company by May 31, 2001,
                  sufficient at all times to permit the Lenders to
                  exercise the Warrants in accordance with their terms.

         2.2.     Section 2 of Exhibit A-1 to the Warrant Agreement and Section
2 of each Class A Warrant issued under the Warrant Agreement shall be amended
and restated in its entirety to read as follows:

                           Section 2.        Reservation of Common
                  Stock. The Company covenants and agrees that at all
                  times from and after May 31, 2001, and on or prior to
                  the Expiration Date it will have authorized, and in
                  reserve solely for the purpose of delivery upon the
                  exercise of the rights represented by this Warrant, a
                  sufficient number of shares of its Common Stock to
                  provide for the exercise of the rights represented by
                  the unexercised portion of this Warrant and such
                  shares issuable upon the exercise of this Warrant
                  shall at no time have an aggregate par value which is
                  in excess of the Aggregate Warrant Price.

         2.3.     Clause (v) of the definition of "Additional Shares of Common
Stock" appearing in Section 12 of Exhibit A-1 to the Warrant Agreement and in
Section 12 of each Class A Warrant issued under the Warrant Agreement shall be
amended and restated in its entirety to read as follows:

                           (v)      up to 11,194,000 shares of Common
                  Stock (as such number shall be appropriated adjusted
                  by the board of directors of the Company for stock
                  splits, dividends, combinations and other similar
                  events) to be issued on or before May 31, 2001, or to
                  be issued upon exercise of options granted before May
                  31, 2001, in connection with, and as an express part
                  of, the consummation of the Plan of Restructuring.

         2.4.     Section 2 of Exhibit A-2 to the Warrant Agreement and Section
2 of each Class B Warrant issued under the Warrant Agreement shall be amended
and restated in its entirety to read as follows:

                           Section 2.        Reservation of Common
                  Stock. The Company covenants and agrees that at all
                  times from and after May 31, 2001, and on or prior to
                  the Expiration Date it will have authorized, and in
                  reserve solely for the purpose of delivery upon the
                  exercise of the rights represented by this Warrant, a
                  sufficient number of shares of its Common Stock to
                  provide for the exercise

                                      -3-
<PAGE>   4

                  of the rights represented by the unexercised portion
                  of this Warrant and such shares issuable upon the
                  exercise of this Warrant shall at no time have an
                  aggregate par value which is in excess of the
                  Aggregate Warrant Price.

         2.5.     Clause (v) of the definition of "Additional Shares of Common
Stock" appearing in Section 12 of Exhibit A-2 to the Warrant Agreement and in
Section 12 of each Class B Warrant issued under the Warrant Agreement shall be
amended and restated in its entirety to read as follows:

                           (v)      up to 11,194,000 shares of Common
                  Stock (as such number shall be appropriated adjusted
                  by the board of directors of the Company for stock
                  splits, dividends, combinations and other similar
                  events) to be issued on or before May 31, 2001 or to
                  be issued upon exercise of options granted before
                  May 31, 2001 in connection with, and as an express
                  part of, the consummation of the Plan of
                  Restructuring.

         2.6.     Section 4(c) of the Representations and Warranties set forth
in Exhibit B to the Warrant Agreement shall be amended and restated in its
entirety to read as follows:

                           (c)      have been duly authorized by
                  proper corporate and shareholder action on the part
                  of the Company, executed and delivered by the
                  Company, and the Agreement and the Warrants
                  constitute the legal, valid and binding obligations,
                  contracts and agreements of the Company enforceable
                  in accordance with their respective terms; provided,
                  however, shareholder approval authorizing the
                  increase in the authorized shares of the Borrower's
                  Capital Stock required for the exercise of all
                  Warrants into common stock shall be obtained in
                  connection with the Plan of Restructuring on or
                  before May 31, 2001.

SECTION 3.        WAIVERS.

         The Borrower has requested that the Lenders waive the Borrower's
non-compliance with the Convertible Note Agreement with respect to the
shareholder approval required therein by February 28, 2001, referenced in
Sections 4.1(i), 7.8, and 4(c) of Exhibit B to the Convertible Note Agreement,
in Section 1.4 of the Warrant Agreement and Section 4(c) of the representations
and warranties contained in Exhibit B thereto, and in Section 2 of each Warrant
issued thereunder. In order to accommodate the Borrower's request, the Lenders
hereby agree to waive the Borrower's non-compliance with the above-referenced
provisions, provided that the Borrower comply with Sections 1 and 2 above with
respect to the amended shareholder approval requirement. Except as specifically
waived hereby, all of the terms and conditions of the Convertible Note
Agreement, the Warrant Agreement, and the Warrants issued thereunder shall stand
and remain unchanged and in full force and effect. This waiver does not extend
to or cover

                                      -4-
<PAGE>   5

any other Events of Default which may now or hereafter exist under the
Convertible Note Agreement, the Warrant Agreement, or any Warrant issued
thereunder.

SECTION 4.        CONDITIONS PRECEDENT.

         The effectiveness of this Amendment is subject to the satisfaction of
all of the following conditions precedent:

                  4.1.     The Borrower, the Agent, and the Lenders shall have
         executed and delivered this Amendment.

                  4.2.     Each Subsidiary (other than Dormant Subsidiaries)
         shall have executed its acknowledgement and consent to this Amendment
         in the space provided for that purpose below.

                  4.3.     Legal matters incident to the execution and delivery
         of this Amendment shall be satisfactory to the Agent and its counsel.

SECTION 5.        RELEASE OF CLAIMS.

         TO INDUCE THE LENDERS AND THE AGENT TO ENTER INTO THIS AMENDMENT, THE
BORROWER AND, BY SIGNING THE ACKNOWLEDGEMENT AND CONSENT REFERRED TO BELOW, EACH
OF ITS SUBSIDIARIES HEREBY RELEASE, ACQUIT, AND FOREVER DISCHARGE THE LENDERS
AND THE AGENT AND EACH OF THEIR AFFILIATES, AND THEIR OFFICERS, DIRECTORS,
AGENTS, EMPLOYEES, SUCCESSORS, AND ASSIGNS, FROM ALL LIABILITIES, CLAIMS,
DEMANDS, ACTIONS, AND CAUSES OF ACTION OF ANY KIND (IF ANY THERE BE), WHETHER
ABSOLUTE OR CONTINGENT, DUE OR TO BECOME DUE, DISPUTED OR UNDISPUTED, AT LAW OR
IN EQUITY, THAT THEY NOW HAVE OR EVER HAD AGAINST THE LENDERS AND THE AGENT AND
THEIR AFFILIATES, OR ANY ONE OR MORE OF THEM INDIVIDUALLY, UNDER OR IN
CONNECTION WITH THE CONVERTIBLE NOTE AGREEMENT OR ANY OF THE OTHER CONVERTIBLE
LOAN DOCUMENTS OR THE WARRANT AGREEMENT OR ANY OF THE WARRANTS ISSUED THEREUNDER
OR ANY OTHER CREDIT, DEPOSIT OR OTHER FINANCIAL ACCOMMODATION MADE AVAILABLE TO
THE BORROWER OR ANY ONE OR MORE OF ITS SUBSIDIARIES.

SECTION 6.        MISCELLANEOUS.

         6.1.     The Borrower has heretofore executed and delivered to the
Agent and the Lenders certain of the Collateral Documents. The Borrower hereby
acknowledges and agrees that, notwithstanding the execution and delivery of this
Amendment, the Collateral Documents remain in full force and effect and the
rights and remedies of the Agent and the Lenders thereunder, the obligations of
the Borrower thereunder, and the liens and security interests created and
provided for thereunder remain in full force and effect and shall not be
affected, impaired, or discharged hereby. Nothing herein contained shall in any
manner affect or impair the priority of the liens and security interests created
and provided for by the Collateral Documents as to the indebtedness which would
be secured thereby prior to giving effect to this Amendment.

                                      -5-
<PAGE>   6

         6.2.     Except as specifically amended herein, the Convertible Note
Agreement, the Warrant Agreement and the Warrants issued thereunder shall
continue in full force and effect in accordance with their original terms.
Reference to this specific Amendment need not be made in the Convertible Note
Agreement, the Notes, the Warrant Agreement, the Warrants, or any other
instrument or document executed in connection therewith, or in any certificate,
letter or communication issued or made pursuant to or with respect to the
Convertible Note Agreement, the Warrant Agreement, or the Warrants any reference
in any of such items to the Convertible Note Agreement, the Warrant Agreement,
or the Warrants being sufficient to refer to the Convertible Note Agreement, the
Warrant Agreement, and the Warrants as amended hereby.

         6.3.     The Borrower agrees to pay on demand all costs and expenses of
or incurred by the Agent in connection with the negotiation, preparation,
execution, and delivery of this Amendment and the other instruments and
documents to be executed and delivered in connection herewith, including the
fees and expenses of counsel for the Agent.

         6.4.     This Amendment may be executed in any number of counterparts,
and by the different parties on different counterpart signature pages, all of
which taken together shall constitute one and the same agreement. Any of the
parties hereto may execute this Amendment by signing any such counterpart and
each of such counterparts shall for all purposes be deemed to be an original.
This Amendment shall be governed by the internal laws of the State of Illinois.

         6.5.     This Amendment together with the other Convertible Loan
Documents, the Warrant Agreement and the Warrants issued thereunder represent
the entire agreement of the Borrower, its Subsidiaries, the Lenders and the
Agent with respect to the subject matter hereof and thereof, and there are no
promises or undertakings by the Lenders or the Agent relative to the subject
matter hereof or thereof not expressly set forth therein.

                           [SIGNATURE PAGES TO FOLLOW]

                                      -6-
<PAGE>   7

         This First Amendment to Convertible Note Agreement, Warrant Agreement,
and Warrants is dated as of the date and year first above written.

                                       VISION TWENTY-ONE, INC.

                                       By        /s/ Richard W. Jones
                                          Name
                                              --------------------------------
                                          Title  Chief Financial Officer

         Acknowledged and agreed to as of the date first above written.

<TABLE>
<S>                                                  <C>
BANK OF MONTREAL, in its individual
capacity as a Lender and as Agent                    BANK ONE TEXAS, N.A.

                                                     By    /s/ Linda M. Thompson
By    /s/ Jack J. Kane                                   Name  Linda M. Thompson
    Name  Jack J. Kane                                   Title Sr. Vice President
    Title Director

PACIFICA PARTNERS I, L.P.                            PILGRIM PRIME RATE TRUST

By: Imperial Credit Asset Management, as             By: Pilgrim Investments, Inc., as its
    its Investment Manager                               Investment Manager

By    /s/ Dean K. Kawai                              By    /s/ Charles E. LeMieux, CFA
    Name  Dean K. Kawai                                  Name  Charles E. LeMieux
    Title Vice President                                 Title Vice President

PILGRIM AMERICA HIGH INCOME                          MERRILL LYNCH BUSINESS FINANCIAL
INVESTMENTS LTD.                                     SERVICES, INC.

By: Pilgrim Investments, Inc., as its
    Investment Manager                               By    /s/ Gary L. Stewart
                                                         Name  Gary L. Stewart
                                                         Title Vice President

By    /s/ Charles E. LeMieux, CFA
    Name  Charles E. LeMieux
    Title Vice President
</TABLE>

                                      S-1
<PAGE>   8

                           ACKNOWLEDGEMENT AND CONSENT

         The undersigned Subsidiaries of Vision Twenty-One, Inc., have
heretofore executed and delivered to the Agent and the Lenders one or more
Guaranties and Collateral Documents. Each of the undersigned hereby consents to
the First Amendment to Convertible Note Agreement, Warrant Agreement, and
Warrants as set forth above and confirms that its Guaranty and Collateral
Documents, and all of its obligations thereunder, remain in full force and
effect. Each of the undersigned further agrees that the consent of the
undersigned to any further amendments to the Convertible Note Agreement, Warrant
Agreement, and Warrants shall not be required as a result of this consent having
been obtained.

                                 "GUARANTORS"

                                 VISION 21 PHYSICIAN PRACTICE MANAGEMENT COMPANY
                                 VISION 21 MANAGED EYE CARE OF TAMPA BAY, INC.
                                 VISION TWENTY-ONE MANAGED EYE CARE IPA, INC.
                                 BBG-COA, INC.
                                 LSI ACQUISITION, INC.
                                 MEC HEALTH CARE, INC.
                                 VISION TWENTY-ONE EYE SURGERY CENTERS, INC.
                                 EYE SURGERY CENTER MANAGEMENT, INC.
                                 VISION TWENTY-ONE REFRACTIVE CENTER, INC.
                                 VISION TWENTY-ONE OF WISCONSIN, INC.
                                 NEW JERSEY EYE LASER CENTERS, INC.
                                 VISION TWENTY-ONE EYE LASER CENTERS, INC.
                                 BLOCK VISION, INC.
                                 UVC INDEPENDENT PRACTICE ASSOCIATION, INC.

                                 By  /s/ Mark B. Gordon
                                    Mark B. Gordon, an authorized signatory for
                                        each of the above-referenced entities

                                      S-2<PAGE>   1
                                                                  EXHIBIT 10.105

                                FIRST AMENDMENT
                                       TO
                              AMENDED AND RESTATED
                              EMPLOYMENT AGREEMENT

         THIS FIRST AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT is
made this 10th day of November, 2000, by and between VISION TWENTY-ONE, INC., a
Florida corporation ("Vision 21"), MEC HEALTH CARE, INC., a Maryland corporation
("MEC"), BLOCK VISION, INC., a New Jersey corporation ("Block Vision"; Vision
21, MEC and Block Vision may be collectively referred to as the "Company"), and
Mark B. Gordon, O.D. (the "Executive").

         WHEREAS, the Company and the Executive have entered into an Amended And
Restated Employment Agreement effective as of July 31, 2000 (the "Employment
Agreement"); and

         WHEREAS, the Company and the Executive have agreed to amend certain
provisions of the Employment Agreement as hereinafter set forth.

         NOW, THEREFORE, in consideration of the mutual covenants contained
herein and contained in the Employment Agreement, the receipt and sufficiency of
which is hereby acknowledged, the parties, intending to be legally bound, hereby
agree as follows:

1.       Amendment to Section 3(a). Section 3(a) of the Employment Agreement
         captioned "Move Bonus" is hereby amended by deleting same in its
         entirety and by inserting the following in lieu thereof:

                  "(a) Move Bonus. The Executive shall be paid a move bonus (the
                  "Move Bonus") of $75,000 payable as follows: (i) $37,500 shall
                  be earned and paid when the accounting and payroll systems for
                  the Company which are currently operated at Vision 21's office
                  in Largo, Florida are moved to and are operational in
                  Baltimore, Maryland, in a commercially reasonable manner; and
                  (ii) $37,500 shall be (1) earned when the AS400 operating
                  system and the claims processing and member services functions
                  which are currently operated at Block Vision's office in Boca
                  Raton, Florida are moved to and are operational in Baltimore,
                  Maryland in a commercially reasonable manner, and (2) paid
                  upon termination of the Bridge Loan Commitment to be provided
                  for in the amended and restated credit agreement to be entered
                  into on or about November 10, 2000 among the Company, the Bank
                  of Montreal as Agent, and the other lenders a party thereto
                  (the "New Credit Agreement. Notwithstanding the foregoing, if
                  the Executive's employment is terminated by the Company other
                  than for (i) "Cause" as described in Section 5(c), or (ii) a
                  voluntary termination by the Executive as described in Section
                  5(d), the balance, if any, of the Move Bonus earned and not
                  previously paid pursuant to subsection (ii) of this Section
                  3(a) shall become immediately due and payable."

2.       Amendment to Section 3(b). Section 3(b) of the Employment Agreement
         captioned "Bank Covenant Compliance Bonus" is hereby amended by
         deleting same in its entirety and by inserting the following in lieu
         thereof:

                                       1
<PAGE>   2

                  "(b) Covenant Compliance Bonus. The Executive shall be paid a
                  compliance bonus (the "Covenant Compliance Bonus"), equal to
                  ten percent (10%) of the Executive's annual base salary, if
                  (i) the Company is in compliance with the covenants contained
                  in Section 8 of the New Credit Agreement, except for the
                  covenants contained in Sections 8.25 and 8.26 of the New
                  Credit Agreement captioned "Minimum EBITDA" and "Interest
                  Coverage Ratio", respectively, and (ii) the Company has
                  maintained EBITDA and an interest coverage ratio as set forth
                  on Schedule 3(b) annexed hereto, (collectively, the
                  "Covenants"). An amount equal to two and one-half percent (2
                  1/2%) of the Covenant Compliance Bonus shall be paid to the
                  Executive for each fiscal quarter during which the Company
                  maintained compliance with the Covenants. Each quarterly
                  payment shall be made to the Executive within ten (10) days of
                  the delivery by the Company's Chief Financial Officer to the
                  banks which are a party to the New Credit Agreement
                  (collectively, the "Banks") of the compliance certificate
                  required under the New Credit Agreement."

3.       Continuing Effectiveness of Employment Agreement. As amended hereby,
         all terms of the Employment Agreement shall be and remain in full force
         and effect and shall continue to be the legal, valid and enforceable
         obligations of the parties. The amendments set forth herein are limited
         to the matters expressly set forth herein and shall not be deemed to
         otherwise modify the terms of the Employment Agreement.

4.       Counterparts. This Amendment may be executed by facsimile and in
         counterparts each of which shall be deemed an original and all of which
         together shall constitute one and the same agreement.

5.       Governing Law. This First Amendment shall be construed, interpreted and
         governed in accordance with the laws of the State of Florida, other
         than the conflict of laws provisions of such laws.

         IN WITNESS WHEREOF, each of Vision 21, MEC and Block Vision have caused
this First Amendment to be duly executed, and the Executive has hereunto set his
hand, as of the day and year first above written.

VISION TWENTY-ONE, INC.                      MEC HEALTH CARE, INC.

By:  /s/ Mark Gordon                         By:    /s/ Mark Gordon
   ---------------------------------             ------------------------------
   Name:  Mark Gordon, O.D.                  Name:  Mark Gordon, O.D.
   Title: Chief Executive Officer            Title: President

BLOCK VISION, INC.                           EXECUTIVE:

By: /s/ Audrey Weinstein                            /s/ Mark Gordon
   ---------------------------------         ----------------------------------
   Name:  Audrey Weinstein                          Mark Gordon, O.D.
   Title: Senior Vice President

                                       2
<PAGE>   3

                                  Schedule 3(b)

         Minimum EBITDA. As of the last day of each fiscal quarter of the
Company, the Company shall maintain EBITDA for the four fiscal quarters then
ended of not less than:

<TABLE>
<CAPTION>
         FISCAL QUARTER ENDING ON OR ABOUT                MINIMUM EBITDA
         <S>                                              <C>
                   12/31/00                                 $  500,000
                   03/31/01                                 $1,500,000
                   06/30/01                                 $2,900,000
                   09/30/01                                 $4,600,000
                   12/31/01                                 $5,600,000
                   03/31/02                                 $6,300,000
                   06/30/02                                 $6,400,000
                   09/30/02                                 $6,500,000
                   12/31/02                                 $6,700,000
                   03/31/03                                 $6,700,000
                   06/30/03                                 $6,700,000
                   09/30/03 and thereafter                  $6,700,000
</TABLE>

; provided that EBITDA shall be calculated on December 31, 2000, for the one
fiscal quarter then ended; on March 31, 2001, for the two fiscal quarters then
ended; and on June 30, 2001, for the three fiscal quarters then ended.

         Interest Coverage Ratio. As of the last day of each fiscal quarter of
the Company, the Company shall maintain a ratio of (a) EBITDA for the four
fiscal quarters of the Company then ended to (b) Interest Expense for the same
four fiscal quarters of the Company then ended, of not less than:

<TABLE>
<CAPTION>
         FISCAL QUARTER ENDING ON OR ABOUT           INTEREST COVERAGE RATIO
         <S>                                         <C>
                   12/31/00                                  .40 to 1.0
                   03/31/01                                  .65 to 1.0
                   06/30/01                                  .85 to 1.0
                   09/30/01                                 1.05 to 1.0
                   12/31/01                                 1.35 to 1.0
                   03/31/02                                 1.50 to 1.0
                   06/30/02                                 1.50 to 1.0
                   09/30/02                                 1.60 to 1.0
                   12/31/02                                 1.50 to 1.0
                   03/31/03                                 1.40 to 1.0
                   06/30/03                                 1.30 to 1.0
                   09/30/03 and thereafter                  1.25 to 1.0
</TABLE>

; provided that EBITDA and Interest Expense shall be calculated on December 31,
2000, for the one fiscal quarter then ended; on March 31, 2001, for the two
fiscal quarters then ended; and on June 30, 2001 for the three fiscal quarters
then ended.

For purposes hereof, the terms "EBITDA" and "Interest Expense" shall have the
meanings given to such terms in the New Credit Agreement.

                                       3

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