Document:

Exhibit 10.1
                             MCG CAPITAL CORPORATION
                          1100 Wilson Blvd., Suite 800
                            Arlington, Virginia 22209

                                February 28, 2002

NBG Radio Network, Inc.
The Cascade Building
520 SW Sixth Avenue
7th Floor
Portland, Oregon  97204
Attention: John A. Holmes, III, President

                  Re:      Amendment to Credit Agreement ("Amendment")

Sir or Madam:

                  Reference is hereby made to that certain Credit Facility
Agreement (as amended and modified from time to time, the "Credit Agreement")
dated as of June 29, 2001, by and among NBG Radio Network, Inc. ("NBG"), and
certain of its direct and indirect Subsidiaries (each, including NBG, a
"Borrower"; collectively, including NBG, the "Borrowers"), and the Lenders
referred to therein, and MCG Capital Corporation ("MCG"), for its own account as
Lender and as administrative agent ("Administrative Agent"). Capitalized terms
used herein but not defined shall have the meaning given to such terms in the
Credit Agreement.

                  Borrowers have requested and Lenders have agreed to amend and
restate the financial covenants under Section 4.1 of the Credit Agreement.
Accordingly, for good and valuable consideration (receipt and sufficiency of
which are hereby acknowledged), and intending to be legally bound hereby, each
Borrower, Administrative Agent and each Lender hereby agree that Section 4.1 of
the Credit Agreement is hereby amended and restated in its entirety as follows:

            "4.1. Financial and Operating Covenants and Ratios. As of the end of
each fiscal quarter -- beginning with the respective fiscal quarters
ending on the dates set forth below - Borrowers (on a consolidated basis) will
satisfy each of the following financial ratios and characteristics, each of
which will be determined using GAAP consistently applied, except as otherwise
expressly provided:

                  4.1.1.  Interest  Coverage  Ratio.  A ratio of OCF to Interest
             Expense of not less than the following:

                          a.   1.50-to-1.0,   from  November  30,  2002  through
             February 27, 2003; and

                          b. 2.50-to-1.0, from and after February 28, 2003.

                  4.1.2.  Total Charge  Coverage  Ratio. A ratio of OCF to Total
             Charges of not less than 1.0-to-1.0 from and after November 30,
             2002.

                  4.1.3. Cash Flow Leverage Ratio. A ratio of Funded Debt to OCF
             of not more than the  following:

                          a.   3.00-to-1.0,   from  November  30,  2002  through
             February 27, 2003; and

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NBG Radio Network, Inc.
February 28, 2002
Page 2

                          b.   2.00-to-1.0,   from  February  28,  2003  through
             November 29, 2003; and

                          c. 1.00-to-1.0, from and after November 30, 2003.

                  4.1.4.  Maximum Programming  Obligations and Affiliate Station
             Expenses.   The amount of Cumulative Programming  Obligations  of
             Borrowers  and  Cumulative  Affiliate Station  Expenses of
             Borrowers (on a  consolidated  basis) will not exceed the amounts
             set forth below,  compliance  with such covenant to be measured on
             a cumulative basis as of the end of each fiscal quarter:

                         Percentage of Upfront Revenues
                         ------------------------------

         Fiscal Year           Cumulative Programming     Cumulative Affiliate
         Ending                Obligations                Station Expenses
         ------                -----------                ---------------

         11/30/2002            See Below                  See Below
         11/30/2003            28.9%                      6.7%
         Thereafter            28.9%                      4.6%

         Notwithstanding the foregoing, the maximum aggregate amount of
         Cumulative Programming Obligations shall not exceed $2.4 million and
         Cumulative Affiliate Station Expenses shall not exceed $2.8 million for
         fiscal year ending November 30, 2002.

                  4.1.5. Minimum Adjusted OCF. OCF for the immediately preceding
             four fiscal quarters of not less than the following:

                          a. ($1,800,000) as of February 28, 2002; and

                          b. ($750,000) as of May 31, 2002; and

                          c. ($100,000) as of August 31, 2002; and

                          d. $2,000,000 as of November 30, 2002.

                  4.1.6. Minimum Quarterly OCF. OCF for the immediately
             preceding fiscal quarter of not less than the following:

                          a. ($200,000) as of February 28, 2002; and

                          b. $500,000 as of May 31, 2002; and

                          c. $500,000 as of August 31, 2002; and

                          d. $1,000,000 as of November 30, 2002.
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NBG Radio Network, Inc.
February 28, 2002
Page 3

                  4.1.7. Minimum Cumulative Revenue. Cumulative Revenue, meaning
             Gross Revenue as determined in accord with GAAP, prior to agent
             commissions and sales rep commission, dating from February 28, 2002
             of not less than the following:

                          a. $2,500,000 as of February 28, 2002; and

                          b. $5,900,000 as of May 31, 2002; and

                          c. $9,300,000 as of August 31, 2002; and

                          d. $13,400,000 as of November 30, 2002."

                  Upon execution of this Amendment, Borrowers will pay
Administrative Agent an Amendment Fee in the amount of $200,000, which fee shall
be fully earned and non-refundable as of the date hereof and shall be payable in
full upon the earlier to occur of (1) the closing date of Borrowers' next
corporate development or financing transaction, including, without limitation,
any increase or restructure of the Credit Facility, any merger or acquisition or
any issuance of equity (other than pursuant to a stock option plan), or (2)
November 30, 2002. If an event contemplated in clause number (1) above does not
occur on or prior to November 30, 2002, Borrowers agree that a principal payment
equal to 25% of Excess Cash Flow (i.e., Operating Cash Flow minus Total Charges)
for the trailing twelve-month period ending November 30, 2002 (such principal
payment not to exceed the amount of the Amendment Fee) shall be paid on or
before December 15, 2002 in immediately available funds and applied to the
Amendment Fee, with the balance of such Amendment Fee, if any, being thereupon
financed through an additional advance of principal under the Term Loan
Facility.

                  Upon execution of this Amendment, Borrowers also will pay a
Documentation Fee in immediately available funds to Administrative Agent in the
amount of $1500 to cover all fees, costs and expenses in connection with the
preparation and execution of this Amendment.

                  Except as expressly stated herein, all other terms of the Loan
Documents remain in full force and effect and unchanged. This Amendment will not
obligate Administrative Agent or Lenders to otherwise consent to any actions or
inactions in the future or to amend any Loan Document in any manner at any time
in the future or to waive compliance (temporarily or otherwise) with any
provision of any Loan Document. This Amendment may be executed in counterparts
and delivered by facsimile, and each such counterpart and facsimile shall be
considered an effective original.

                  [Remainder of Page Intentionally Left Blank]

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NBG Radio Network, Inc.
February 28, 2002
Page 4

                  IN WITNESS WHEREOF, the undersigned (where appropriate, by
their duly authorized officers) have executed this Amendment, as an instrument
under seal (whether or not any such seals are physically attached hereto), as of
the day and year first above written.

ATTEST:                                  NBG RADIO NETWORK, INC.

By:/s/JOHN J. BRUMFIELD                  By:/s/JOHN A. HOLMES III
   ------------------------------------     ------------------------------
   Name:  John J. Brumfield                 Name:  John A. Holmes III
   Title:  Secretary                        Title:  President

[SEAL]

ATTEST:                                  GLENN FISHER ENTERTAINMENT CORPORATION

By:/s/JOHN J. BRUMFIELD                  By:/s/JOHN A. HOLMES III
   ------------------------------------     ------------------------------
   Name:  John J. Brumfield                 Name:  John A. Holmes III
   Title:  Secretary                        Title:  President

[SEAL]

WITNESS:                                 MCG CAPITAL CORPORATION

By:/s/RUTH THOMAS                        By:/s/NICK C. KRAWCZYK
   ------------------------------------     ------------------------------
                                            Name: Nick C. Krawczyk
                                            Title:  Vice PresidentExhibit 10.2

March 7, 2002

NBG Radio Network, Inc.
The Cascade Building
520 SW Sixth Avenue
7th Floor
Portland, Oregon  97204
Attention: John A. Holmes, III, President

         RE: MCG Capital Corporation Advisory and Assistance Engagement Letter

Dear John:

This letter will memorialize the engagement of MCG Capital Corporation ("MCG")
by NBG Radio Network ("Company") as its non-exclusive financial advisor ("The
Engagement").

MCG has provided the following advisory services to the Company (the
"Engagement"):

     1.  Due diligence,  financial modeling,  and deal structuring for potential
         acquisitions.

     2.  Financial  analysis,  strategic  advice,  and modeling of the Company's
         current operations,  including cost-side structuring,  budget analysis,
         inventory  analysis model for investors,  discounted cash flow analysis
         for programming  acquisitions,  and  maximization of capital  structure
         analysis.

     3.  Advice  and  assistance   regarding  Company's  financing   activities,
         financial modeling, benchmarking, budgeting, and projection activities,
         acquisition, divestiture and other strategic planning activities.

     The  Company  agrees that MCG has no  responsibility  to the Company or any
     other parties for the accuracy,  completeness  or legal  sufficiency of any
     financial statements,  memoranda or any documentation prepared for by or on
     behalf  of the  Company  or  for  verification  of  any of the  information
     contained  therein.   Appropriate   officials  of  the  Company  have  been
     responsible for reviewing any memoranda or other documentation prior to its
     use to  determine  that is does not contain any material  misstatements  or
     omissions.

     The Company hereby represents,  warrants and covenants that all information
     furnished  to MCG by the  Company  has been  complete  and  correct  in all
     material   respects  when  furnished  and  has  not  contained  any  untrue
     statements of a material fact or omit to state a material fact necessary in
     order to make the  statement  therein  not  misleading  in the light of the
     circumstances under which statement was made.

     The  Company  hereby  agrees  that  neither  MCG nor any of its  directors,
     officers,  employees or agents  shall have any  liability to the Company or
     any other person  (whether  sounding in tort,  contract or  otherwise)  for
     losses or costs  suffered  or  incurred  in  connection  with or in any way
     related to the transactions contemplated or the relationship established by
     this  Engagement,  or any act,  omission or event  occurring in  connection
     herewith,  except for  foreseeable  actual losses  resulting  directly from
     MCG's own gross  negligence,  bad faith or fraud, and the Company agrees to
     provide   indemnification  for  any  such  costs,  losses  or  liabilities.
     Moreover, the Company and MCG each agree that neither party hereto (nor any
     of their directors, officers, employees or agents) shall have any liability
     with  respect  to  any  special,  indirect,   consequential,   punitive  or
     non-foreseeable  damages  suffered by any other party hereto in  connection
     with or in any way related to the transactions contemplated or the

<PAGE>
     relationship established by this Engagement,  or any act, omission or event
     occurring in connection herewith.

     As  compensation  for services that have been provided by MCG in connection
     with the Engagement,  and for such other routine,  non-material  advice and
     assistance  that  may be  provided  to the  Company  by  MCG  (upon  mutual
     agreement  of the Company and MCG) through  December 31, 2002,  the Company
     hereby  agrees to pay MCG an Advisory  Fee in the amount of $400,000  which
     fee shall be fully  earned  and  non-refundable  as of the date  hereof and
     shall be payable in full upon the earlier to occur of (1) the closing  date
     of the  Company's  next  corporate  development  or financing  transaction,
     including,  without  limitation,  any increase or restructure of the Credit
     Facility,  any merger or  acquisition or any issuance of equity (other than
     pursuant to a stock option  plan),  or (2)  November 30, 2002.  If an event
     contemplated  in  clause  number  (1)  above  does not occur on or prior to
     November 30, 2002, Borrowers agree that a principal payment equal to 25% of
     Excess Cash Flow (i.e.,  Operating  Cash Flow minus Total  Charges) for the
     trailing  twelve-month  period  ending  November  30, 2002 (such  principal
     payment not to exceed the amount of the  Advisory  Fee) shall be paid on or
     before December 15, 2002 in immediately  available funds and applied to the
     Advisory  Fee,  with  the  balance  of such  Advisory  Fee,  if any,  being
     thereupon  financed  through an additional  advance of principal  under the
     Term Loan Facility.

         Sincerely,

         /s/NICK KRAWCZYK
         --------------------------------
         Nick Krawczyk
         Managing Director, MCG

         Agreed and Accepted by:

         NBG Radio Network

         /s/JOHN HOLMES
         --------------------------------
         John Holmes, President & CEO

         Date:  3/7/02

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