Document:

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                                                                     EXHIBIT 4.8

                                CREDIT AGREEMENT

                                      AMONG

                                  INFOUSA INC.,

                                VARIOUS LENDERS,

                                       AND

                     WELLS FARGO BANK, NATIONAL ASSOCIATION,
           AS LEAD ARRANGER, SOLE BOOK RUNNER AND ADMINISTRATIVE AGENT

                           DATED AS OF MARCH 25, 2004

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                                TABLE OF CONTENTS

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ARTICLE I  DEFINITIONS AND ACCOUNTING TERMS...................................................................          1
    Section 1.1 Defined Terms.................................................................................          1
    Section 1.2 Times; Other Definitional Terms; Rules of Interpretation......................................         25

ARTICLE II  AMOUNT AND TERMS OF CREDIT........................................................................         25
    Section 2.1 The Commitments...............................................................................         25
    Section 2.2 Minimum Amount of Each Borrowing..............................................................         28
    Section 2.3 Notice of Borrowing...........................................................................         28
    Section 2.4 Disbursement of Funds.........................................................................         30
    Section 2.5 Notes.........................................................................................         31
    Section 2.6 Conversions...................................................................................         32
    Section 2.7 Pro Rata Borrowings...........................................................................         33
    Section 2.8 Interest......................................................................................         33
    Section 2.9 Interest Periods..............................................................................         34
    Section 2.10 Increased Costs, Illegality, etc.............................................................         35
    Section 2.11 Compensation.................................................................................         37
    Section 2.12 Change of Lending Office.....................................................................         38
    Section 2.13 Replacement of Lenders.......................................................................         38
    Section 2.14 Limitation on Additional Amounts.............................................................         39

ARTICLE III  LETTERS OF CREDIT................................................................................         39
    Section 3.1 Letters of Credit.............................................................................         39
    Section 3.2 Maximum Letter of Credit Outstandings; Final Maturities.......................................         40
    Section 3.3 Letter of Credit Requests; Minimum Stated Amount..............................................         41
    Section 3.4 Letter of Credit Participations...............................................................         42
    Section 3.5 Agreement to Repay Letter of Credit Drawings..................................................         44
    Section 3.6 Increased Costs...............................................................................         45

ARTICLE IV  COMMITMENT FEE; FEES; REDUCTIONS OF COMMITMENT....................................................         46
    Section 4.1 Fees..........................................................................................         46
    Section 4.2 Voluntary Termination of Unutilized Revolving Loan Commitments................................         47
    Section 4.3 Mandatory Reduction of Commitments............................................................         47

ARTICLE V  PREPAYMENTS; PAYMENTS; TAXES.......................................................................         48
    Section 5.1 Voluntary Prepayments.........................................................................         48
    Section 5.2 Mandatory Repayments and Commitment Reductions................................................         49
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    Section 5.3 Method and Place of Payment...................................................................         52
    Section 5.4 Net Payments..................................................................................         53

ARTICLE VI  CONDITIONS PRECEDENT TO CREDIT EVENTS.............................................................         55
    Section 6.1 Closing Date..................................................................................         55
    Section 6.2 Disclosure Letter; Notes......................................................................         55
    Section 6.3 Officer's Certificate.........................................................................         56
    Section 6.4 Opinion of Counsel............................................................................         56
    Section 6.5 Corporate Documents; Proceedings; etc.........................................................         56
    Section 6.6 Plans; Shareholders' Agreements; Employment Agreements........................................         56
    Section 6.7 Fee Payment...................................................................................         57
    Section 6.8 Adverse Change, etc...........................................................................         57
    Section 6.9 Litigation....................................................................................         58
    Section 6.10 Pledge Agreement.............................................................................         58
    Section 6.11 Security Agreement...........................................................................         58
    Section 6.12 Defeasance of Indenture......................................................................         58
    Section 6.13 Indenture Indebtedness.......................................................................         58
    Section 6.14 Mortgages....................................................................................         58
    Section 6.15 Evidence of Perfection, etc..................................................................         59
    Section 6.16 Subsidiaries' Guaranty.......................................................................         60
    Section 6.17 Insurance Policies...........................................................................         60
    Section 6.18 Financial Statements; Projections............................................................         60
    Section 6.19 Solvency Certificate; Insurance Certificates.................................................         60
    Section 6.20 Fees, etc....................................................................................         60

ARTICLE VII  CONDITIONS PRECEDENT TO ALL CREDIT EVENTS........................................................         61
    Section 7.1 No Default; Representations and Warranties....................................................         61
    Section 7.2 Notice of Borrowing; Letter of Credit Request.................................................         61

ARTICLE VIII  REPRESENTATIONS, WARRANTIES AND AGREEMENTS......................................................         62
    Section 8.1 Organizational Status.........................................................................         62
    Section 8.2 Power and Authority...........................................................................         62
    Section 8.3 No Violation..................................................................................         62
    Section 8.4 Approvals.....................................................................................         63
    Section 8.5 Financial Statements; Financial Condition; Undisclosed Liabilities; Projections; etc..........         63
    Section 8.6 Litigation....................................................................................         64
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    Section 8.7 True and Complete Disclosure..................................................................         64
    Section 8.8 Use of Proceeds; Payment to Indenture Trustee; Margin Regulations.............................         65
    Section 8.9 Tax Returns and Payments......................................................................         65
    Section 8.10 Compliance with ERISA........................................................................         66
    Section 8.11 The Security Documents.......................................................................         67
    Section 8.12 Representations and Warranties in the Credit Documents.......................................         68
    Section 8.13 Properties...................................................................................         68
    Section 8.14 Capitalization...............................................................................         68
    Section 8.15 Subsidiaries.................................................................................         68
    Section 8.16 Compliance with Statutes, etc................................................................         68
    Section 8.17 Investment Company Act.......................................................................         69
    Section 8.18 Public Utility Holding Company Act...........................................................         69
    Section 8.19 Environmental Matters........................................................................         69
    Section 8.20 Labor Relations..............................................................................         70
    Section 8.21 Patents, Licenses, Franchises and Formulas...................................................         70
    Section 8.22 Existing Indebtedness........................................................................         70
    Section 8.23 Insurance....................................................................................         71

ARTICLE IX  AFFIRMATIVE COVENANTS.............................................................................         71
    Section 9.1 Information Covenants.........................................................................         71
    Section 9.2 Books, Records and Inspections; Annual Meetings...............................................         74
    Section 9.3 Maintenance of Property; Insurance............................................................         75
    Section 9.4 Existence; Franchises.........................................................................         75
    Section 9.5 Compliance with Statutes, etc.................................................................         76
    Section 9.6 Compliance with Environmental Laws............................................................         76
    Section 9.7 ERISA.........................................................................................         77
    Section 9.8 End of Fiscal Years; Fiscal Quarters..........................................................         78
    Section 9.9 Performance of Obligations....................................................................         78
    Section 9.10 Payment of Taxes.............................................................................         78
    Section 9.11 Additional Security; Further Assurances......................................................         78
    Section 9.12 Use of Proceeds..............................................................................         80
    Section 9.13 Foreign Subsidiaries Security................................................................         80
    Section 9.14 Margin Stock.................................................................................         81
    Section 9.15 Permitted Acquisitions.......................................................................         81

ARTICLE X  NEGATIVE COVENANTS.................................................................................         83
    Section 10.1 Liens........................................................................................         83
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    Section 10.2 Consolidation, Merger, Purchase or Sale of Assets, etc.......................................         86
    Section 10.3 Dividends....................................................................................         88
    Section 10.4 Indebtedness.................................................................................         89
    Section 10.5 Advances, Investments and Loans..............................................................         90
    Section 10.6 Transactions with Affiliates.................................................................         92
    Section 10.7 Consolidated Fixed Charge Coverage Ratio.....................................................         93
    Section 10.8 Consolidated Total Leverage Ratio............................................................         93
    Section 10.9 Consolidated Net Worth.......................................................................         93
    Section 10.10 Modifications of Certificate of Incorporation, By-Laws and Certain Other Agreements, etc....         94
    Section 10.11 Limitation on Certain Restrictions on Subsidiaries..........................................         94
    Section 10.12 Limitation on Issuance of Capital Stock.....................................................         95
    Section 10.13 Business....................................................................................         95
    Section 10.14 Limitation on Creation of Subsidiaries......................................................         95
    Section 10.15 Operating Leases............................................................................         96

ARTICLE XI  EVENTS OF DEFAULT.................................................................................         96
    Section 11.1 Events of Default............................................................................         96
    Section 11.2 Remedies.....................................................................................         99

ARTICLE XII  THE ADMINISTRATIVE AGENT.........................................................................        100
    Section 12.1 Appointment..................................................................................        100
    Section 12.2 Nature of Duties.............................................................................        100
    Section 12.3 Lack of Reliance on the Administrative Agent.................................................        100
    Section 12.4 Certain Rights of the Administrative Agent...................................................        101
    Section 12.5 Reliance.....................................................................................        101
    Section 12.6 Indemnification..............................................................................        101
    Section 12.7 The Administrative Agent in its Individual Capacity..........................................        101
    Section 12.8 Holders......................................................................................        102
    Section 12.9 Resignation by the Administrative Agent......................................................        102
    Section 12.10 Issuing Lender..............................................................................        103

ARTICLE XIII  MISCELLANEOUS...................................................................................        103
    Section 13.1 Payment of Expenses, etc.....................................................................        103
    Section 13.2 Right of Setoff..............................................................................        104
    Section 13.3 Notices......................................................................................        105
    Section 13.4 Benefit of Agreement; Assignments; Participations............................................        105
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    Section 13.5 No Waiver; Remedies Cumulative...............................................................        108
    Section 13.6 Payments Pro Rata............................................................................        108
    Section 13.7 Calculations; Computations; Accounting Terms.................................................        109
    Section 13.8 GOVERNING LAW; SUBMISSION TO JURISDICTION; VENUE; WAIVER OF JURY TRIAL.......................        109
    Section 13.9 Counterparts.................................................................................        111
    Section 13.10 Headings Descriptive........................................................................        111
    Section 13.11 Amendment or Waiver; etc....................................................................        111
    Section 13.12 Survival of Indemnities.....................................................................        113
    Section 13.13 Domicile of Loans...........................................................................        113
    Section 13.14 Register....................................................................................        113
    Section 13.15 Confidentiality.............................................................................        114
    Section 13.16 Debt Rating.................................................................................        114
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SCHEDULE I    Disclosure Letter

EXHIBIT A     Form of Notice of Borrowing

EXHIBIT B     Form of Term Note

EXHIBIT C     Form of Revolving Note

EXHIBIT D     Form of Swingline Note

EXHIBIT E     Form of Letter of Credit Request

EXHIBIT F     Form of Section 5.4(b)(ii) Certificate

EXHIBIT G     Officers' Certificate

EXHIBIT H     Solvency Certificate

EXHIBIT I     Assignment and Assumption Agreement

EXHIBIT J     Form of Intercompany Note

EXHIBIT K     Form of Subordination Provisions

EXHIBIT L     Form of Compliance Certificate

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                                CREDIT AGREEMENT

                  This CREDIT AGREEMENT, dated as of March 25, 2004, is made by
and among INFOUSA INC., a Delaware corporation (the "Borrower"), the financial
institutions from time to time a party hereto in the capacity of a lender (in
such capacity, the "Lenders" and each a "Lender"), and WELLS FARGO BANK,
NATIONAL ASSOCIATION, as lead arranger, sole book runner and administrative
agent (in such capacity, the "Administrative Agent").

                     The Borrower, the Lenders and the Administrative Agent
hereby agree as follows:

                                    ARTICLE I

                        DEFINITIONS AND ACCOUNTING TERMS.

                  Section 1.1 Defined Terms. As used in this Agreement, the
following terms shall have the following meanings (such meanings to be equally
applicable to both the singular and plural forms of the terms defined):

                  "Acquired EBITDA" of any Acquired Entity or Business acquired
         pursuant to a Permitted Acquisition means the consolidated EBITDA of
         such Acquired Entity or Business calculated on a basis consistent with
         the calculation of Consolidated EBITDA under this Agreement and in
         compliance with laws, rules and regulations applicable to publicly
         traded companies in the United States, including without limitation
         Regulation S-X promulgated by the Securities and Exchange Commission,
         or as may be approved by the Administrative Agent.

                  "Acquired Entity or Business" has the meaning given in the
         definition of "Permitted Acquisition".

                  "Additional Security Documents" has the meaning given in
         Section 9.11.

                  "Administrative Agent" means Wells Fargo, in its capacity as
         administrative agent for the Lenders hereunder, and shall include any
         successor to Wells Fargo or any other institution in such capacity
         pursuant to Section 12.9.

                  "Affiliate" means, with respect to any Person, any other
         Person directly or indirectly controlling (including, but not limited
         to, all directors and officers of such Person), controlled by, or under
         direct or indirect common control with, such Person. A Person shall be
         deemed to control another Person if such Person possesses, directly or
         indirectly, the power (i) to vote 10% or more of the securities having
         ordinary voting power for the election of directors of

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         such corporation or (ii) to direct or cause the direction of the
         management and policies of such other Person, whether through the
         ownership of voting securities, by contract or otherwise; excluding,
         however, the Administrative Agent, the Lenders and their affiliates.

                  "Agreement" means this Credit Agreement.

                  "Applicable Margin" means with respect to Term Loans,
         Revolving Loans, Swingline Loans and Commitment Fees, from and after
         any Start Date to and including the corresponding End Date, the
         respective percentage per annum set forth below under the respective
         Type of Term Loans, Revolving Loans, Swingline Loans or Commitment Fees
         and opposite the respective Level (i.e., Level 1, Level 2, Level 3, or
         Level 4, as the case may be) indicated to have been achieved on the
         applicable Test Date for such Start Date (as shown on the respective
         officer's certificate delivered pursuant to Section 9.1(f) or the first
         proviso below):

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                                           APPLICABLE MARGIN                   APPLICABLE MARGINS FOR
                                          FOR EURODOLLAR LOANS                      BASE RATE LOANS
                                    --------------------------------        ------------------------------
                                                                            REVOLVING
                                                                              LOANS,
                                                                                AND
             CONSOLIDATED TOTAL                                              SWINGLINE
LEVEL          LEVERAGE RATIO       REVOLVING LOANS       TERM LOANS           LOANS            TERM LOANS          COMMITMENT FEES
<S>          <C>                    <C>                   <C>               <C>                 <C>                 <C>
  1             TLR >or= 2.50:1           2.50%              2.50%              1.50%               1.75%                 0.50%

  2          TLR >or= 2.00:1 but <        2.25%              2.50%              1.25%               1.75%                 0.40%
                   2.50:1

  3          TLR >or= 1.50:1 but <        2.00%              2.50%              1.00%               1.75%                 0.30%
                   2.00:1

 4              TLR < 1.50:1              1.75%              2.25%              0.75%               1.50%                 0.25%
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         provided, however, that if the Borrower fails to deliver the financial
         statements required to be delivered pursuant to Section 9.1(b) or (c)
         (accompanied by the officer's certificate required to be delivered
         pursuant to Section 9.1(f) showing the applicable Consolidated Total
         Leverage Ratio on the relevant Test Date) on or prior to the respective
         date required by such Sections, then Level 1 pricing shall apply until
         such time, if any, as the financial statements required as set forth
         above and the accompanying officer's certificate have been delivered
         showing the pricing for the respective Margin Reduction Period is at a
         level which is less than Level 1 (it being understood that, in the case
         of any late delivery of the financial statements and officer's
         certificate as so required, the Applicable Margin, if any, shall apply
         only from and after the date of the delivery of the complying financial
         statements and

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         officer's certificate); provided further, that subject to Section
         2.8(c), Level 1 pricing shall apply at any time when any Default or
         Event of Default exists. Notwithstanding anything to the contrary
         contained in the immediately preceding sentence, Level 3 pricing shall
         apply for the period from the Closing Date to but not including the
         date which is the first Start Date after the Borrower's fiscal quarter
         ending on June 30, 2004. The Applicable Margin in respect of Commitment
         Fees is sometimes called the Commitment Fee Rate.

                  "Asset Sale" means any sale, transfer or other disposition by
         any Company to any Person (including by way of redemption by such
         Person) other than to the Borrower or a Wholly-Owned Subsidiary of the
         Borrower of any asset (including, without limitation, any capital stock
         or other securities of, or equity interests in, another Person) other
         than sales of assets pursuant to Sections 10.2(b), (c), (h) and (i).

                  "Assignment and Assumption Agreement" means an Assignment and
         Assumption Agreement substantially in the form of Exhibit I, or in any
         other form approved by the Administrative Agent (appropriately
         completed).

                  "Bankruptcy Code" has the meaning given in Section 11.1(e).

                  "Base Rate" means for any day a fluctuating rate per annum
         equal to the higher of (a) the Federal Funds Rate plus 1/2 of 1% and
         (b) the rate of interest most recently established by the
         Administrative Agent as its "prime rate" or, if the Administrative
         Agent ceases to announce a rate so designated, any similar successor
         rate designated by the Administrative Agent, such rate being one of the
         Administrative Agent's base rates and serves as the basis upon which
         effective rates of interest are calculated for those loans making
         reference thereto.

                  "Base Rate Loan" means (i) each Swingline Loan and (ii) each
         other Loan designated or deemed designated as such by the Borrower at
         the time of the incurrence thereof or conversion thereto.

                  "Borrower" has the meaning given in the first paragraph of
         this Agreement.

                  "Borrowing" means the borrowing of one Type of Loan of a
         single Tranche from all the Lenders having Commitments (or from the
         Swingline Lender in the case of Swingline Loans) on a given date (or
         resulting from a conversion or conversions on such date) having in the
         case of Eurodollar Loans the same Interest Period, provided that Base
         Rate Loans incurred pursuant to Section 2.10(b) shall be considered
         part of the related Borrowing of Eurodollar Loans.

                  "Business Day" means (i) for all purposes other than as
         covered by clause (ii) below, any day except Saturday, Sunday and any
         day which shall be

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         in New York, New York or Denver, Colorado, a legal holiday or a day on
         which banking institutions are authorized or required by law or other
         government action to close and (ii) with respect to all notices and
         determinations in connection with, and payments of principal and
         interest on, Eurodollar Loans, any day which is a Business Day
         described in clause (i) above and which is also a day for trading by
         and between banks in the interbank Eurodollar market.

                  "Capital Expenditures" means, with respect to any Person, all
         capital expenditures by such Person, as the same are (or would in
         accordance with GAAP be) set forth in the consolidated statement of
         cash flows of the Companies, exclusive of (A) expenditures made in
         connection with the acquisition of assets in any Permitted Acquisition,
         and (B) expenditures made in connection with the replacement or
         restoration of assets to the extent financed (i) from insurance
         proceeds paid on account of the loss of or damage to the assets being
         replaced or restored, or (ii) with proceeds from the sale or other
         disposition of an asset which is replaced within 180 days from such
         sale or other disposition with another asset performing the same or a
         similar function.

                  "Capitalized Lease Obligations" means, with respect to any
         Person, all rental obligations of such Person which, under GAAP, are or
         will be required to be capitalized on the books of such Person, in each
         case taken at the amount thereof accounted for as indebtedness in
         accordance with such principles.

                  "Cash Equivalents" means, as to any Person, (i) securities
         issued or directly and fully guaranteed or insured by the United States
         or any agency or instrumentality thereof (provided that the full faith
         and credit of the United States is pledged in support thereof) having
         maturities of not more than one year from the date of acquisition, (ii)
         marketable direct obligations issued by the District of Columbia or any
         state of the United States or any political subdivision of the District
         of Columbia or any such state or any public instrumentality thereof
         maturing within one year from the date of acquisition thereof and, at
         the time of acquisition, having one of the two highest ratings
         obtainable from either S&P or Moody's, (iii) Dollar denominated time
         deposits and certificates of deposit of any commercial bank having, or
         which is the principal banking subsidiary of a bank holding company
         having, a long-term unsecured Debt Rating of at least "A" or the
         equivalent thereof from S&P or "A2" or the equivalent thereof from
         Moody's with maturities of not more than one year from the date of
         acquisition by such Person, (iv) repurchase obligations with a term of
         not more than 30 days for underlying securities of the types described
         in clause (i) above entered into with any bank meeting the
         qualifications specified in clause (iii) above, (v) commercial paper
         issued by any Person incorporated in the United States rated at least
         A-1 or the equivalent thereof by S&P or at least P-1 or the equivalent
         thereof by Moody's

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         and in each case maturing not more than one year after the date of
         acquisition by such Person, (vi) investments in money market funds
         substantially all of whose assets are comprised of securities of the
         types described in clauses (i) through (v) above, and (vii) in the case
         of any Foreign Subsidiary, (A) direct obligations of the sovereign
         nation (or any agency thereof) in which such Foreign Subsidiary is
         organized or is conducting business or in obligations fully and
         unconditionally guaranteed by such sovereign nation (or any agency
         thereof) having maturities of not more than one year from the date of
         acquisition or (B) obligations of the type and maturity described in
         clauses (iii), (iv) or (v) above of foreign obligors, which obligations
         or obligors (or the parents of such obligors) have ratings described in
         such clauses or equivalent ratings from comparable foreign rating
         agencies.

                  "CERCLA" means the Comprehensive Environmental Response,
         Compensation, and Liability Act of 1980, 42 U.S.C. Section 9601 et seq.

                  "Change of Control" means (i) any Person or "group" (within
         the meaning of Sections 13(d) and 14(d) under the Securities Exchange
         Act, as in effect on the Closing Date), other than a Permitted Holder,
         shall (A) have acquired beneficial ownership of 30% or more on a fully
         diluted basis of the voting and/or economic interest in the Borrower's
         capital stock or (B) obtained the power (whether or not exercised) to
         elect a majority of the Borrower's directors or (ii) the Board of
         Directors of the Borrower shall cease to consist of a majority of
         Continuing Directors.

                  "Change of Law" has the meaning given in Section 11.1(f)(i).

                  "Closing Date" means the date all conditions set forth in
         Article VI are satisfied.

                  "Code" means the Internal Revenue Code of 1986.

                  "Collateral" means all property (whether real or personal)
         with respect to which any security interests have been granted (or
         purported to be granted) pursuant to any Security Document, including,
         without limitation, all Pledge Agreement Collateral, all Security
         Agreement Collateral, all Mortgaged Properties and all cash and Cash
         Equivalents delivered as collateral pursuant to Section 5.2 or 11.2(d).

                  "Collateral Agent" means the Administrative Agent acting as
         collateral agent for the Secured Creditors pursuant to the Security
         Documents.

                  "Commitment" means any of the commitments of any Lender,
         (i.e., whether the Term Loan Commitment, or the Revolving Loan
         Commitment).

                  "Commitment Fee" has the meaning given in Section 4.1(a).

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                  "Commitment Fee Rate" has the meaning given in the definition
         of "Applicable Margin".

                  "Company" means the Borrower or any Subsidiary of the Borrower
         and "Companies" means the Borrower and all of its Subsidiaries.

                  "Consolidated Capital Expenditures" means, for any period, all
         Capital Expenditures of the Companies on a consolidated basis for such
         period.

                  "Consolidated EBITDA" means, for any period, an amount equal
         to the sum of:

                  (i)  (A) the net income of the Credit Parties on a
                           consolidated basis, determined in accordance with
                           GAAP ("Consolidated Net Income"), excluding

                       (B) non-operating gains and losses,

                       (C) non-cash charges comprising (1) impairment of assets,
                           (2) cumulative effects of changes in accounting
                           principles (all of which are to be in accordance with
                           GAAP), or (3) any non-cash stock compensation, plus

                  (ii) (A) Consolidated Interest Expense, plus

                       (B) tax expense, plus

                       (C) depreciation and amortization expense, plus

                       (D) transaction expenses incurred in connection with the
                           closing of this Agreement that are not capitalized,
                           plus

                       (E) other extraordinary and non-recurring items approved
                           by the Administrative Agent (including litigation
                           charges relating to the Claude Shoch matter), plus

                       (F) prepayment premiums incurred in retiring the
                           Indenture Indebtedness, plus

                       (H) unamortized fees related to the Borrower's
                           indebtedness to be satisfied from the initial Loans
                           made under this Agreement, plus

                 (iii) Acquired EBITDA.

                  "Consolidated Fixed Charge Coverage Ratio" (or "Fixed Charge
         Coverage Ratio") means, at any date, the ratio of (a) Consolidated
         EBITDA for the Test Period then most recently ended less Consolidated
         Capital Expenditures for such Test Period to (b) Consolidated Fixed
         Charges for such Period.

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                  "Consolidated Fixed Charges" means, for any period, the sum of
         the following (without duplication): (i) Consolidated Interest Expense
         paid or required to be paid in cash for such period; (ii) income and
         franchise taxes paid or required to be paid in cash by the Companies on
         a consolidated basis during such period; (iii) all scheduled payments
         of principal made or required to be made with respect to all
         Indebtedness (including the principal portion of Capitalized Leases
         Obligations) of the Companies on a consolidated basis during such
         period but excluding payments made to satisfy the Indenture
         Indebtedness; and (iv) all Restricted Payments made or required to be
         made by the Companies on a consolidated basis during such period.

                  "Consolidated Indebtedness" means, at any time, the principal
         amount of all Indebtedness of the Companies at such time; provided, (i)
         that the amount of Indebtedness in respect of Interest Rate Protection
         Agreements and Other Hedging Agreements at any time, shall be the
         unrealized net loss position, if any, of the Borrower and/or its
         Subsidiaries thereunder on a marked-to-market basis determined no more
         than one month prior to such time, and (ii) the Indenture Indebtedness
         shall be deemed to be zero so long as the Borrower has complied with
         Sections 6.12 and 8.8(b).

                  "Consolidated Interest Expense" means, for any period, the
         total consolidated interest expense of the Companies for such period
         (calculated without regard to any limitations on the payment thereof)
         plus, without duplication, that portion of Capitalized Lease
         Obligations of the Companies representing the interest factor for such
         period; provided that the amortization of deferred financing, legal and
         accounting costs with respect to this Agreement shall be excluded from
         Consolidated Interest Expense to the extent same would otherwise have
         been included therein.

                  "Consolidated Net Income" has the meaning given in the
         definition of "Consolidated EBITDA."

                  "Consolidated Net Worth" means, at any time, for the Borrower
         and its Subsidiaries, on a consolidated basis, shareholders' equity at
         such time.

                  "Consolidated Total Leverage Ratio" (and sometimes also
         referred to as the "Total Leverage Ratio" or "TLR") means, at any time,
         the ratio of Consolidated Indebtedness at such time to Consolidated
         EBITDA for the Test Period then most recently ended.

                  "Contingent Obligation" means, as to any Person, any
         obligation of such Person as a result of such Person being a general
         partner of the other Person, unless the underlying obligation is
         expressly made non-recourse as to such general partner, and any
         obligation of such Person guaranteeing or intended to guarantee any
         Indebtedness, leases, dividends or other obligations ("primary
         obligations") of any other Person (the "primary obligor") in any

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         manner, whether directly or indirectly, including, without limitation,
         any obligation of such Person, whether or not contingent, (i) to
         purchase any such primary obligation or any property constituting
         direct or indirect security therefor, (ii) to advance or supply funds
         (x) for the purchase or payment of any such primary obligation or (y)
         to maintain working capital or equity capital of the primary obligor or
         otherwise to maintain the net worth or solvency of the primary obligor,
         (iii) to purchase property, securities or services primarily for the
         purpose of assuring the owner of any such primary obligation of the
         ability of the primary obligor to make payment of such primary
         obligation or (iv) otherwise to assure or hold harmless the holder of
         such primary obligation against loss in respect thereof; provided,
         however, that the term Contingent Obligation shall not include
         endorsements of instruments for deposit or collection in the ordinary
         course of business. The amount of any Contingent Obligation shall be
         deemed to be an amount equal to the stated or determinable amount of
         the primary obligation in respect of which such Contingent Obligation
         is made or, if not stated or determinable, the maximum reasonably
         anticipated liability in respect thereof (assuming such Person is
         required to perform thereunder) as determined by such Person in good
         faith.

                  "Continuing Directors" means the directors of the Borrower on
         the Closing Date and each other director if such director's nomination
         for election to the Board of Directors of the Borrower is recommended
         by a majority of the then Continuing Directors.

                  "Control Agreement" means a "Control Agreement" as defined in
         the Security Agreement.

                     "Credit Documents" means this Agreement, the Disclosure
           Letter and, after the execution and delivery thereof pursuant to the
           terms of this Agreement, each Note, the Subsidiaries Guaranty and
           each Security Document.

                  "Credit Event" means the making of any Loan or the issuance of
         any Letter of Credit.

                  "Credit Party" means the Borrower and each Subsidiary
         Guarantor.

                  "Debt Rating" has the meaning given in Section 13.16.

                  "Default" means any event, act or condition which with notice
         or lapse of time, or both, would constitute an Event of Default.

                  "Defaulting Lender" means any Lender with respect to which a
         Lender Default is in effect.

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                  "Disclosure Letter" means the Disclosure Letter of even date
         herewith delivered by the Borrower to the Administrative Agent and the
         Lenders, a copy of which is attached as Schedule I.

                  "Dividend" means, with respect to any Person, that such Person
         has declared or paid a dividend or returned any equity capital to its
         stockholders, partners or members or authorized or made any other
         distribution, payment or delivery of property (other than common stock
         of such Person) or cash to its stockholders, partners or members as
         such, or redeemed, retired, purchased or otherwise acquired, directly
         or indirectly, for a consideration any shares of any class of its
         capital stock or any partnership or membership interests outstanding on
         or after the Closing Date (or any options or warrants issued by such
         Person with respect to its capital stock or other equity interests), or
         set aside any funds for any of the foregoing purposes, or shall have
         permitted any of its Subsidiaries to purchase or otherwise acquire for
         a consideration any shares of any class of the capital stock or any
         partnership or membership interests of such Person outstanding on or
         after the Closing Date (or any options or warrants issued by such
         Person with respect to its capital stock or other equity interests).
         Without limiting the foregoing, "Dividends" with respect to any Person
         shall also include all payments made or required to be made by such
         Person with respect to any stock appreciation rights, plans, equity
         incentive or achievement plans or any similar plans or setting aside of
         any funds for the foregoing purposes.

                  "Dollars" and the sign "$" shall each mean freely transferable
         lawful money of the United States.

                  "Domestic Subsidiary" means each Subsidiary of the Borrower
         that is incorporated under the laws of the United States or any State
         thereof.

                  "Drawing" has the meaning given in Section 3.5(b).

                  "Eligible Transferee" means and include a commercial bank, an
         insurance company, a finance company, a financial institution, any fund
         that invests in loans or any other "accredited investor" (as defined in
         Regulation D of the Securities Act), but in any event excluding the
         Borrower and its Subsidiaries.

                  "Employee Benefit Plans" has the meaning given in Section
         6.6(a).

                  "Employment Agreements" has the meaning given in Section
         6.6(c).

                  "End Date" means, for any Margin Reduction Period, the last
         day of such Margin Reduction Period.

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                  "Environmental Claims" means any and all administrative,
         regulatory or judicial actions, suits, demands, demand letters,
         directives, claims, liens, notices of noncompliance or violation,
         investigations or proceedings relating in any way to any Environmental
         Law or any permit issued, or any approval given, under any such
         Environmental Law (hereafter, "Claims"), including, without limitation,
         (a) any and all Claims by governmental or regulatory authorities for
         enforcement, cleanup, removal, response, remedial or other actions or
         damages pursuant to any applicable Environmental Law, and (b) any and
         all Claims by any third party seeking damages, contribution,
         indemnification, cost recovery, compensation or injunctive relief in
         connection with alleged injury or threat of injury to health, safety or
         the environment due to the presence of Hazardous Materials.

                  "Environmental Law" means any Federal, state, foreign or local
         statute, law, rule, regulation, ordinance, code, guideline, written
         policy and rule of common law now or hereafter in effect and in each
         case any judicial or administrative interpretation thereof, including
         any judicial or administrative order, consent decree or judgment,
         relating to the environment, employee health and safety or Hazardous
         Materials, including, without limitation, CERCLA; RCRA; the Federal
         Water Pollution Control Act, 33 U.S.C. Section 1251 et seq.; the Toxic
         Substances Control Act, 15 U.S.C. Section 2601 et seq.; the Clean Air
         Act, 42 U.S.C. Section 7401 et seq.; the Safe Drinking Water Act, 42
         U.S.C. Section 3803 et seq.; the Oil Pollution Act of 1990, 33 U.S.C.
         Section 2701 et seq.; the Emergency Planning and the Community
         Right-to-Know Act of 1986, 42 U.S.C. Section 11001 et seq.; the
         Hazardous Material Transportation Act, 49 U.S.C. Section 1801 et seq.
         and the Occupational Safety and Health Act, 29 U.S.C. Section 651 et
         seq.; and any state and local or foreign counterparts or equivalents.

                  "ERISA" means the Employee Retirement Income Security Act of
         1974.

                  "ERISA Affiliate" means each person (as defined in Section
         3(9) of ERISA) which together with the Borrower or a Subsidiary of the
         Borrower would be deemed to be a "single employer" (i) within the
         meaning of Section 414(b), (c), (m) or (o) of the Code or (ii) as a
         result of the Borrower or a Subsidiary of the Borrower being or having
         been a general partner of such person.

                  "Eurodollar Loan" means each Loan (other than any Swingline
         Loan) designated as such by the Borrower at the time of the incurrence
         thereof or conversion thereto.

                  "Eurodollar Base Rate" means, for any Borrowing of Eurodollar
         Loans, an interest rate per annum appearing on Bloomberg British
         Bankers Association LIBOR

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         Rates Page (or any successor page) as the London interbank offered rate
         for deposits in U.S. dollars at 11:00 A.M. (London time) two Business
         Days before the first day of the applicable Interest Period for a
         period equal to such Interest Period (provided that, if for any reason
         such rate is not available, the term "Eurodollar Rate" shall mean the
         rate per annum appearing on such other comparable page as may, in the
         opinion of the Administrative Agent, replace Bloomberg British Bankers
         Association LIBOR Rates Page for the purpose of displaying such rate).

                  "Eurodollar Rate" means the rate per annum (rounded upward, if
         necessary, to the nearest 1/100th of 1%) and determined pursuant to the
         following formula:

         Eurodollar             Eurodollar Base Rate
         Rate        = ------------------------------------ + Applicable Margin
                       100% - Eurodollar Reserve Percentage

                  "Eurodollar Reserve Percentage" means, for any day during any
         Interest Period, the reserve percentage (expressed as a decimal,
         rounded to the next 1/100th of 1%) in effect on such day, whether or
         not applicable to any Bank, under regulations issued from time to time
         by the Board of Governors of the Federal Reserve System for determining
         the maximum reserve requirement (including any emergency, supplemental
         or other marginal reserve requirement) with respect to Eurocurrency
         funding (currently referred to as "Eurocurrency liabilities"). The
         Eurodollar Rate for each outstanding Eurodollar Loan shall be adjusted
         automatically as of the effective date of any change in the Eurodollar
         Reserve Percentage. The determination of the Eurodollar Reserve
         Percentage and the Eurodollar Rate by the Administrative Agent shall be
         conclusive in the absence of manifest error.

                  "Event of Default" has the meaning given in Section 11.1.

                  "Federal Funds Rate" means, for any day, the rate per annum
         equal to the weighted average of the rates on overnight Federal funds
         transactions with members of the Federal Reserve System arranged by
         Federal funds brokers on such day, as published by the Federal Reserve
         Bank on the Business Day next succeeding such day; provided that (a) if
         such day is not a Business Day, the Federal Funds Rate for such day
         shall be such rate on such transactions on the next preceding Business
         Day as so published on the next succeeding Business Day, and (b) if no
         such rate is so published on such next succeeding Business Day, the
         Federal Funds Rate for such day shall be the average rate charged to
         the Agent on such day on such transactions as determined by the
         Administrative Agent.

                  "Fees" means all amounts payable pursuant to or referred to in
         Section 4.1.

                  "Foreign Pension Plan" means any plan, fund (including,
         without limitation, any superannuation fund) or other similar program
         established or

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         maintained outside the United States by the Borrower or any one or more
         of its Subsidiaries primarily for the benefit of employees of the
         Borrower or such Subsidiaries residing outside the United States, which
         plan, fund or other similar program provides, or results in, retirement
         income, a deferral of income in contemplation of retirement or payments
         to be made upon termination of employment, and which plan is not
         subject to ERISA or the Code.

                  "Foreign Subsidiary" means each Subsidiary of the Borrower
         which is not a Domestic Subsidiary.

                  "Fronting Fee" has the meaning given in Section 4.1(c).

                  "GAAP" means generally accepted accounting principles set
         forth in the opinions and pronouncements of the Accounting Principles
         Board and the American Institute of Certified Public Accountants and
         statements and pronouncements of the Financial Accounting Standards
         Board of such other principles as may be approved by a significant
         segment of the accounting professions, that are applicable to the
         circumstances as of the date of determination, consistently applied.

                  "Hazardous Materials" means (a) any petroleum or petroleum
         products, radioactive materials, asbestos in any form that is friable,
         urea formaldehyde foam insulation, transformers or other equipment that
         contains dielectric fluid containing levels of polychlorinated
         biphenyls, and radon gas; (b) any chemicals, materials or substances
         defined as or included in the definition of "hazardous substances,"
         "hazardous waste," "hazardous materials," "extremely hazardous
         substances," "restricted hazardous waste," "toxic substances," "toxic
         pollutants," "contaminants," or "pollutants," or words of similar
         import, under any applicable Environmental Law; and (c) any other
         chemical, material or substance, the Release of which is prohibited,
         limited or regulated by any governmental authority.

                  "Inactive Subsidiary" means each of Direct Magi Inc. and DBA
         FL Inc., each a New Jersey corporation and a Wholly-Owned Domestic
         Subsidiary of the Borrower.

                  "Indebtedness" means, as to any Person, without duplication,
         (i) all indebtedness (including principal, interest, fees and charges)
         of such Person for borrowed money or for the deferred purchase price of
         property or services, (ii) the maximum amount available to be drawn
         under all letters of credit, bankers' acceptances and similar
         obligations issued for the account of such Person and all unpaid
         drawings in respect of such letters of credit, bankers' acceptances and
         similar obligations, (iii) all Indebtedness of the types described in
         clause (i), (ii), (iv), (v), (vi) or (vii) of this definition secured
         by any Lien on any property owned by such Person, whether or not such

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         Indebtedness has been assumed by such Person (provided that, if the
         Person has not assumed or otherwise become liable in respect of such
         Indebtedness, such Indebtedness shall be deemed to be in an amount
         equal to the fair market value of the property to which such Lien
         relates as determined in good faith by such Person), (iv) the aggregate
         amount required to be capitalized under leases under which such Person
         is the lessee, (v) all obligations of such Person to pay a specified
         purchase price for goods or services, whether or not delivered or
         accepted, i.e., take-or-pay and similar obligations, (vi) all
         Contingent Obligations of such Person, and (vii) all obligations under
         any Interest Rate Protection Agreement, any Other Hedging Agreement or
         under any similar type of agreement. Notwithstanding the foregoing,
         Indebtedness shall not include trade payables and accrued expenses
         incurred by any Person in accordance with customary practices and in
         the ordinary course of business of such Person.

                  "Indenture" means the Indenture, dated as of June 18, 1998, by
         and between the Borrower and the Indenture Trustee.

                  "Indenture Indebtedness" means all obligations of the Borrower
         under the Indenture.

                  "Indenture Trustee" means U.S. Bank National Association,
         successor to State Street Bank and Trust Company of California, N.A.,
         as trustee, under the Indenture.

                  "Intercompany Loan" means each intercompany loan or advance
         between or among the Borrower and its Subsidiaries or between or among
         Subsidiaries of the Borrower.

                  "Intercompany Note" means a promissory note, in the form of
         Exhibit J or in such other form as is reasonably acceptable to the
         Administrative Agent, evidencing Intercompany Loans.

                  "Interest Determination Date" means, with respect to any
         Eurodollar Loan, the second Business Day prior to the commencement of
         any Interest Period relating to such Eurodollar Loan.

                  "Interest Period" has the meaning given in Section 2.9.

                  "Interest Rate Protection Agreement" means any interest rate
         swap agreement, interest rate cap agreement, interest collar agreement,
         interest rate hedging agreement or other similar agreement or
         arrangement.

                  "Investments" has the meaning given in Section 10.5.

                  "Issuing Lender" means Wells Fargo.

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                  "L/C Supportable Obligations" means (i) obligations of the
         Borrower or any of its Subsidiaries with respect to workers
         compensation, surety bonds and other similar statutory obligations and
         (ii) such other obligations of the Borrower or any of its Subsidiaries
         as are reasonably acceptable to the Issuing Lender and otherwise
         permitted to exist pursuant to the terms of this Agreement.

                  "Leaseholds" of any Person means all the right, title and
         interest of such Person as lessee or licensee in, to and under leases
         or licenses of land, improvements and/or fixtures.

                  "Lender" means each financial institution executing this
         Agreement as a lender, as well as any Person that becomes a "Lender"
         hereunder pursuant to Sections 2.13 or 13.4(b).

                  "Lender Default" means (i) the refusal (which has not been
         retracted) or the failure of a Lender to make available its portion of
         any Borrowing (including any Mandatory Borrowing) or to fund its
         portion of any unreimbursed payment under Section 3.4(c) or (ii) a
         Lender having notified in writing the Borrower and/or the
         Administrative Agent that such Lender does not intend to comply with
         its obligations under Sections 2.1(a), 2.1(b) or 2.1(d) or Article III.

                  "Letter of Credit" shall have the meaning provided in Section
         3.1(a).

                  "Letter of Credit Fee" shall have the meaning provided in
         Section 4.1(b).

                  "Letter of Credit Outstandings" means, at any time, the sum of
         (i) the Stated Amount of all outstanding Letters of Credit and (ii) the
         aggregate amount of all Unpaid Drawings in respect of all Letters of
         Credit.

                  "Letter of Credit Request" shall have the meaning provided in
         Section 3.3(a).

                  "Lien" means any mortgage, security interest, pledge,
         hypothecation, assignment, deposit arrangement, encumbrance, lien
         (statutory or other), preference, priority or other security agreement
         of any kind or nature whatsoever (including, without limitation, any
         conditional sale or other title retention agreement, any financing or
         similar statement or notice filed under the UCC or any other similar
         recording or notice statute, and any lease having substantially the
         same effect as any of the foregoing).

                  "Loan" means each Term Loan, each Revolving Loan and each
         Swingline Loan.

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                  "Mandatory Borrowing" shall have the meaning provided in
         Section 2.1(d).

                  "Margin Reduction Period" means each period which shall
         commence on the date occurring after the Closing Date upon which
         respective officer's certificate is delivered pursuant to Section
         9.1(f) and which shall end on the date of actual delivery of the next
         officer's certificates pursuant to Section 9.1(f) or the latest date on
         which such next officer's certificate is required to be so delivered.

                  "Margin Stock" shall have the meaning provided in Regulation
         U.

                  "Material Adverse Effect" means (i) a material adverse effect
         on the business, operations, properties, assets, liabilities, condition
         (financial or otherwise) or prospects of the Borrower or of the
         Companies taken as a whole, or (ii) a material adverse effect on the
         rights or remedies of the Lenders or the Administrative Agent hereunder
         or under any other Credit Document or on the ability of any Credit
         Party to perform its obligations to the Lenders or the Administrative
         Agent hereunder or under any other Credit Document.

                  "Maturity Date" means the Term Loan Maturity Date, the
         Revolving Loan Maturity Date or the Swingline Expiry Date, as the case
         may be.

                  "Maximum Swingline Amount" means $5,000,000.

                  "Minimum Borrowing Amount" means (i) for Eurodollar Loans,
         $5,000,000, (ii) for Base Rate Loans other than Swingline Loans,
         $500,000 and (iii) for Swingline Loans, $100,000.

                  "Moody's" means Moody's Investors Service, Inc., or any
         successor thereto.

                  "Mortgage" means a mortgage, leasehold mortgage, deed of
         trust, leasehold deed of trust, deed to secure debt, leasehold deed to
         secure debt or similar security instrument.

                  "Mortgaged Property" means any Real Property owned or leased
         by the Borrower or any Subsidiary Guarantor which is encumbered (or
         required to be encumbered) by a Mortgage.

                  "Net Acquisition Consideration" means the Total Consideration
         for a Permitted Acquisition (i) less cash and Cash Equivalents that are
         acquired in such Permitted Acquisition, and (ii) plus the present value
         of any earn-out, non-compete or deferred compensation or purchase price
         adjustments, and (iii) less or plus any working capital adjustments, as
         applicable, and as provided in Section 9.15.

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                  "Net Debt Proceeds" means, with respect to any incurrence of
         Indebtedness for borrowed money, the cash proceeds (net of underwriting
         discounts and commissions and other reasonable costs associated
         therewith) received by the respective Person from the respective
         incurrence of such Indebtedness for borrowed money.

                  "Net Equity Proceeds" means, with respect to each issuance or
         sale of any equity by any Person or any capital contribution to such
         Person, the cash proceeds (net of underwriting discounts and
         commissions and other reasonable costs associated therewith) received
         by such Person from the respective sale or issuance of its equity or
         from the respective capital contribution. The term "Net Equity
         Proceeds" also shall include the amount of Net Debt Proceeds received
         by the Borrower from the issuance or incurrence of Indebtedness for
         borrowed money under Section 10.4(k) which is convertible into shares
         of the Borrower's capital stock, although such Net Equity Proceeds
         shall not be considered to be received by the Borrower until such
         conversion occurs.

                  "Net Recovery Event Proceeds" means, with respect to any
         Recovery Event, the cash proceeds (net of reasonable costs and taxes
         incurred in connection with such Recovery Event) received by the
         respective Person in connection with such Recovery Event.

                  "Net Sale Proceeds" means, for any Asset Sale, the gross cash
         proceeds (including any cash received by way of deferred payment
         pursuant to a promissory note, receivable or otherwise, but only as and
         when received) received from such sale of assets, net of the reasonable
         costs of such sale (including fees and commissions, payments of
         unassumed liabilities relating to the assets sold and required payments
         of any Indebtedness (other than Indebtedness secured pursuant to the
         Security Documents) which is secured by the respective assets which
         were sold), and the incremental taxes paid or payable as a result of
         such Asset Sale.

                  "Non-Defaulting Lender" and "Non-Defaulting RL Lender" means
         and include each Lender or RL Lender, as the case may be, other than a
         Defaulting Lender.

                  "Note" means each Term Note, each Revolving Note and the
         Swingline Note.

                  "Notice of Borrowing" shall have the meaning provided in
         Section 2.3(a).

                  "Notice of Conversion" shall have the meaning provided in
         Section 2.6.

                  "Notice Office" means the office of the Administrative Agent
         located at 1740 Broadway, MAC C7300-034, Denver, Colorado 80209, Attn:
         Kevin

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         Rapp, or such other office or person as the Administrative Agent may
         hereafter designate in writing as such to the other parties hereto.

                  "Obligations" means all amounts owing to the Administrative
         Agent, the Collateral Agent, the Issuing Lender, the Swingline Lender
         or any Lender pursuant to the terms of this Agreement or any other
         Credit Document.

                  "Operating Leases" means all leases for real or personal
         property that are not Capitalized Lease Obligations.

                  "Other Hedging Agreement" means any foreign exchange
         contracts, currency swap agreements, commodity agreements or other
         similar agreements or arrangements designed to protect against the
         fluctuations in currency values.

                  "Participant" shall have the meaning provided in Section
         3.4(a).

                  "Payment Office" means the office of the Administrative Agent
         located at 1740 Broadway, MAC C7300-034, Denver, Colorado 80209, Attn:
         Kevin Rapp, or such other office as the Administrative Agent may
         hereafter designate in writing as such to the other parties hereto.

                  "PBGC" means the Pension Benefit Guaranty Corporation
         established pursuant to Section 4002 of ERISA, or any successor
         thereto.

                  "Permitted Acquisition" means the acquisition by the Borrower
         or a Wholly-Owned Subsidiary thereof of assets constituting a business,
         division or product line of any Person not already a Subsidiary of the
         Borrower or of 100% of the capital stock of any such Person (including
         by way of merger), which Person shall, as a result of such stock
         acquisition, become a Wholly-Owned Subsidiary of the Borrower (or shall
         be merged with and into a Wholly-Owned Subsidiary of the Borrower)
         (such assets or Person are referred to as an "Acquired Entity or
         Business"), provided that (in each case):

                           (A) the consideration paid by the Borrower or such
                  Wholly-Owned Subsidiary consists solely of cash (including
                  proceeds of Loans), the issuance or incurrence of Indebtedness
                  otherwise permitted by Section 10.4, the issuance of common
                  stock of the Borrower or Qualified Preferred Stock of the
                  Borrower to the extent no Default or Event of Default exists
                  pursuant to Section 11.1(j) or would result therefrom and the
                  assumption/ acquisition of any Indebtedness (calculated at
                  face value) which is permitted to remain outstanding in
                  accordance with the requirements of Section 10.4;

                           (B) in the case of the acquisition of 100% of the
                  capital stock of any Person (including by way of merger), such
                  Person shall own no

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                  capital stock of any other Person (other than de minimis
                  amounts) unless either (x) such Person owns 100% of the
                  capital stock of such other Person or (y) (1) such Person
                  and/or its Wholly-Owned Subsidiaries own at least 80% of the
                  consolidated assets of such Person and its Subsidiaries and
                  (2) any non-Wholly Owned Subsidiary of such Person was
                  non-Wholly Owned prior to the date of such Permitted
                  Acquisition of such Person;

                           (C) the Acquired Entity or Business acquired pursuant
                  to the respective Permitted Acquisition is in a business
                  permitted by Section 10.13; and

                           (D) all applicable requirements of Sections 9.15,
                  10.2 and 10.14 applicable to Permitted Acquisitions are
                  satisfied.

         Notwithstanding anything to the contrary contained in the immediately
         preceding sentence, an acquisition which does not otherwise meet the
         requirements set forth above in the definition of "Permitted
         Acquisition" shall constitute a Permitted Acquisition if, and to the
         extent, the Required Lenders agree in writing that such acquisition
         shall constitute a Permitted Acquisition for purposes of this
         Agreement.

                  "Permitted Encumbrance" means, with respect to any Mortgaged
         Property, such exceptions to title as are set forth in the respective
         mortgage title insurance policy delivered with respect thereto, all of
         which exceptions must be acceptable to the Administrative Agent in its
         reasonable discretion.

                  "Permitted Holders" means Vinod Gupta and his spouse, their
         lineal descendants and adopted children and spouses of their lineal
         descendants and adopted children, any foundation controlled by any of
         the foregoing persons, any trusts for the benefit of any of the
         foregoing persons and any Affiliates of the foregoing persons.

                  "Permitted Indebtedness" has the meaning given in Section
         10.4.

                  "Permitted Liens" shall have the meaning provided in Section
         10.1.

                  "Person" means any individual, partnership, joint venture,
         firm, corporation, association, limited liability company, trust or
         other enterprise or any government or political subdivision or any
         agency, department or instrumentality thereof.

                  "Plan" means any pension plan as defined in Section 3(2) of
         ERISA, which is maintained or contributed to by (or to which there is
         an obligation to contribute of) the Borrower or a Subsidiary of the
         Borrower or an ERISA Affiliate, and each such plan for the six year
         period immediately following the latest date on which the

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         Borrower, a Subsidiary of the Borrower or an ERISA Affiliate
         maintained, contributed to or had an obligation to contribute to such
         plan, except any such plan where the participants are paid solely from
         the general assets of, and are general unsecured creditors with respect
         to, the Borrower, Subsidiary of the Borrower or an ERISA Affiliate.

                  "Pledge Agreement" means the Pledge Agreement of even date
         herewith by the Credit Parties in favor of the Collateral Agent..

                  "Pledge Agreement Collateral" means all "Collateral" as
         defined in the Pledge Agreement.

                  "Projections" means the projections prepared by the Borrower
         as set forth in that certain infoUSA, $160,000,000 Senior Secured
         Credit Facilities Confidential Information Memorandum, January 2004,
         relating to the financing hereunder.

                  "Qualified Preferred Stock" means any preferred stock of the
         Borrower so long as the terms of any such preferred stock (i) do not
         contain any mandatory put, redemption, repayment, sinking fund or other
         similar provision, except upon the occurrence of a change of control so
         long as the terms thereof do not require any such redemption or other
         action unless (and until) all Obligations have been paid in full and
         the Total Commitment and all Letters of Credit have been terminated or
         the requisite consents under this Agreement have been obtained to
         permit such redemption or other action, (ii) do not require the cash
         payment of dividends to the extent that the payment thereof would not
         be permitted at such time pursuant to this Agreement, (iii) do not
         contain any operating or financial maintenance covenants, (iv) do not
         grant the holders thereof any voting rights (prior to the conversion
         into common stock of the Borrower, if applicable) except for (A) voting
         rights required to be granted to such holders under applicable law and
         (B) limited customary voting rights on fundamental matters such as
         mergers, consolidations, sales of all or substantially all of the
         assets of the Borrower, or liquidations involving the Borrower, and (v)
         are otherwise reasonably satisfactory to the Administrative Agent.

                  "Quarterly Payment Date" means the last Business Day of each
         December, March, June and September occurring after the Closing Date,
         commencing on June 30, 2004.

                  "RCRA" means the Resource Conservation and Recovery Act, as
         the same may be amended from time to time, 42 U.S.C. Section 6901 et
         seq.

                  "Real Property" of any Person means all the right, title and
         interest of such Person in and to land, improvements and fixtures,
         including Leaseholds.

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                  "Recovery Event" means the receipt by any Company of any cash
         insurance proceeds or condemnation awards payable (i) by reason of
         theft, loss, physical destruction, damage, taking or any other similar
         event with respect to any property or assets of any Company and (ii)
         under any policy of insurance required to be maintained under Section
         9.3.

                  "Register" shall have the meaning provided in Section 13.14.

                  "Regulation D", "Regulation T", "Regulation U" or "Regulation
         X", as the case may be, means Regulation D, T, U or X, as the case may
         be, of the Board of Governors of the Federal Reserve System as from
         time to time in effect and any successor to all or a portion thereof.

                  "Release" means the disposing, discharging, injecting,
         spilling, pumping, leaking, leaching, dumping, emitting, escaping,
         emptying, pouring or migrating, into or upon any land or water or air,
         or otherwise entering into the environment.

                  "Replaced Lender" shall have the meaning provided in Section
         2.13.

                  "Replacement Lender" shall have the meaning provided in
         Section 2.13.

                  "Reportable Event" means an event described in Section 4043(c)
         of ERISA with respect to a Plan that is subject to Title IV of ERISA
         other than those events as to which the 30-day notice period is waived
         under subsection .22, .23, .25, .27 or .28 of PBGC Regulation Section
         4043 and as to which an advance notice to the PBGC of the event is not
         required under Section 4043 of ERISA.

                  "Required Lenders" means two or more Non-Defaulting Lenders
         the sum of whose outstanding Term Loans and Revolving Loan Commitments
         (or after the termination thereof, outstanding Revolving Loans and RL
         Percentages of (x) outstanding Swingline Loans and (y) Letter of Credit
         Outstandings) represent more than 50% of the sum of (i) the aggregate
         principal amount of all outstanding Term Loans of Non-Defaulting
         Lenders and (ii) the Total Revolving Loan Commitment less the Revolving
         Loan Commitments of all Defaulting Lenders (or after the termination
         thereof, the sum of the then aggregate principal amount of all
         outstanding Revolving Loans of Non-Defaulting Lenders and the aggregate
         RL Percentages of all Non-Defaulting Lenders of the total (x) aggregate
         principal amount of outstanding Swingline Loans and (y) Letter of
         Credit Outstandings at such time).

                  "Restricted Payments" means in respect of a period, (i) any
         and all Dividends authorized, declared or paid with respect to any
         Company pursuant

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         to Sections 10.3(c), (d), (e) and (f), and (ii) any and all payments
         ("earnout payments") required to be made by the Borrower or any
         Subsidiary which are based on the earnings or revenues relating to any
         Permitted Acquisitions.

                  "Revolving Loan" shall have the meaning provided in Section
         2.1(b).

                  "Revolving Loan Commitment" means, (i) for each Lender, the
         amount shown on the Register as (a) reduced from time to time pursuant
         to Sections 4.2, 4.3 and/or 11.2, or (b) adjusted from time to time as
         a result of assignments to or from such Lender pursuant to Section 2.13
         or 13.4(b), and (ii) for all of the Lenders, $50,000,000.

                  "Revolving Loan Maturity Date" means March 25, 2007.

                  "Revolving Note" shall have the meaning provided in Section
         2.5(a).

                  "RL Lender" means each Lender with a Revolving Loan Commitment
         or with outstanding Revolving Loans.

                  "RL Percentage" of any RL Lender at any time means a fraction
         (expressed as a percentage) the numerator of which is the Revolving
         Loan Commitment of such RL Lender at such time and the denominator of
         which is the Total Revolving Loan Commitment at such time, provided
         that if the RL Percentage of any RL Lender is to be determined after
         the Total Revolving Loan Commitment has been terminated, then the RL
         Percentages of such RL Lender shall be determined immediately prior
         (and without giving effect) to such termination.

                  "S&P" means Standard & Poor's Ratings Services, or any
         successor thereto.

                  "SEC" shall have the meaning provided in Section 9.1(h).

                  "Section 5.4(b)(ii) Certificate" shall have the meaning
         provided in Section 5.4(b)(ii).

                  "Secured Creditors" shall have the meaning assigned that term
         in the Security Documents.

                  "Securities Act" means the Securities Act of 1933.

                  "Securities Exchange Act" means the Securities Exchange Act of
         1934.

                  "Security Agreement" means that certain Security Agreement by
         the Credit Parties in favor of the Collateral Agent of even date
         herewith.

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                  "Security Agreement Collateral" means all "Collateral" as
         defined in the Security Agreement.

                  "Security Document" means and include each of the Security
         Agreement, the Pledge Agreement, each Mortgage and, after the execution
         and delivery thereof, each Additional Security Document.

                  "Shareholders' Agreements" shall have the meaning provided in
         Section 6.6(b).

                  "Start Date" means, with respect to any Margin Reduction
         Period, the first day of such Margin Reduction Period.

                  "Stated Amount" of each Letter of Credit means, at any time,
         the maximum amount available to be drawn thereunder (in each case
         determined without regard to whether any conditions to drawing could
         then be met).

                  "Subsidiaries' Guaranty" means the Guaranty of even date
         herewith by the Subsidiary Guarantors in favor of the Administrative
         Agent.

                  "Subsidiary" means, as to any Person, (i) any corporation more
         than 50% of whose stock of any class or classes having by the terms
         thereof ordinary voting power to elect a majority of the directors of
         such corporation (irrespective of whether or not at the time stock of
         any class or classes of such corporation shall have or might have
         voting power by reason of the happening of any contingency) is at the
         time owned by such Person and/or one or more Subsidiaries of such
         Person and (ii) any partnership, limited liability company,
         association, joint venture or other entity in which such Person and/or
         one or more Subsidiaries of such Person has more than a 50% equity
         interest at the time.

                  "Subsidiary Guarantor" means each Domestic Subsidiary of the
         Borrower (other than an Inactive Subsidiary) and, to the extent
         required by Section 9.13, each Foreign Subsidiary of the Borrower.

                  "Swingline Expiry Date" means that date which is five Business
         Days prior to the Revolving Loan Maturity Date.

                  "Swingline Lender" means Wells Fargo.

                  "Swingline Loan" shall have the meaning provided in Section
         2.1(c).

                  "Swingline Note" shall have the meaning provided in Section
         2.5(a).

                  "Taxes" shall have the meaning provided in Section 5.4(a).

                  "Term Loan" shall have the meaning provided in Section 2.1.

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                  "Term Loan Commitment" means, (i) for each Lender, the amount
         shown on the Register, as adjusted pursuant to Section 4.3 and/or
         terminated pursuant to Section 11.2, or adjusted from time to time as a
         result of assignments to or from such Lender pursuant to Sections 2.13
         and/or 13.4(b), and (ii) for all of the Lenders, $120,000,000.

                  "Term Loan Maturity Date" means March 25, 2009.

                  "Term Loan Scheduled Repayment" shall have the meaning
         provided in Section 5.2(b).

                  "Term Note" shall have the meaning provided in Section 2.5(a).

                  "Test Date" means, with respect to any Start Date, the last
         day of the most recent fiscal quarter of the Borrower ended immediately
         prior to such Start Date.

                  "Test Period" means each period of four consecutive fiscal
         quarters of the Borrower then last ended (in each case taken as one
         accounting period).

                  "Total Acquisition Amount" shall have the meaning provided in
         Section 9.15(a)(iv).

                  "Total Commitment" means, at any time, the sum of the
         Commitments of each of the Lenders.

                  "Total Consideration" means the aggregate consideration for
         any proposed Permitted Acquisition, including, without limitation, (I)
         the aggregate principal amount of any Indebtedness assumed, incurred or
         issued in connection therewith, (II) the fair market value (as
         determined in good faith by the Board of Directors of the Borrower) of
         any common stock or Qualified Preferred Stock of the Borrower issued as
         part of the purchase price therefor (provided that no Default or Event
         of Default under Section 11.1(j) would result therefrom), and (III) the
         present value of any aggregate amount paid and to be paid pursuant to
         any earn-out, non-compete or deferred compensation or purchase price
         adjustments.

                  "Total Leverage Ratio" - see definition of "Consolidated Total
         Leverage Ratio".

                  "Total Revolving Loan Commitment" means, at any time, the sum
         of the Revolving Loan Commitments of each of the Lenders.

                  "Total Term Loan Commitment" means, at any time, the sum of
         the Term Loan Commitments of each of the Lenders.

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                  "Total Unutilized Revolving Loan Commitment" means, at any
         time, an amount equal to the remainder of (x) the Total Revolving Loan
         Commitment then in effect less (y) the sum of the aggregate principal
         amount of all Revolving Loans and Swingline Loans then outstanding plus
         the then aggregate amount of all Letter of Credit Outstandings.

                  "Tranche" means the facility and commitments utilized in
         making Loans hereunder, with there being three separate Tranches, i.e.,
         Term Loans, Revolving Loans and Swingline Loans.

                  "Type" means the type of Loan determined with regard to the
         interest option applicable thereto, i.e., whether a Base Rate Loan or a
         Eurodollar Loan.

                  "UCC" means the Uniform Commercial Code as from time to time
         in effect in the relevant jurisdiction.

                  "Unfunded Current Liability" of any Plan means the amount, if
         any, by which the actuarial present value of the accumulated plan
         benefits under the Plan determined on a plan termination basis in
         accordance with actuarial assumptions at such time consistent with
         those prescribed by the PBGC for purposes of Section 4044 of ERISA,
         exceeds the market value of all plan assets allocable to such
         liabilities under Title IV of ERISA (excluding any accrued but unpaid
         contribution).

                  "United States" and "U.S." shall each mean the United States
         of America.

                  "Unpaid Drawing" shall have the meaning provided for in
         Section 3.5(a).

                  "Unutilized Revolving Loan Commitment" means, with respect to
         any Lender at any time, such Lender's Revolving Loan Commitment at such
         time less the sum of (i) the aggregate outstanding principal amount of
         all Revolving Loans made by such Lender at such time and (ii) such
         Lender's RL Percentage of the Letter of Credit Outstandings at such
         time.

                  "Wells Fargo" means Wells Fargo Bank, National Association, in
         its separate capacity as a Lender.

                  "Wholly-Owned Domestic Subsidiary" means each Domestic
         Subsidiary of the Borrower that is also a Wholly-Owned Subsidiary of
         the Borrower.

                  "Wholly-Owned Foreign Subsidiary" means each Foreign
         Subsidiary of the Borrower that is also a Wholly-Owned Subsidiary of
         the Borrower.

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                  "Wholly-Owned Subsidiary" means, as to any Person, (i) any
         corporation 100% of whose capital stock (other than director's
         qualifying shares) is at the time owned by such Person and/or one or
         more Wholly-Owned Subsidiaries of such Person and (ii) any partnership,
         limited liability company, association, joint venture or other entity
         in which such Person and/or one or more Wholly-Owned Subsidiaries of
         such Person has a 100% equity interest at such time.

                  Section 1.2 Times; Other Definitional Terms; Rules of
Interpretation. All references to times of day in this Agreement shall be
references to Denver, Colorado time unless otherwise specifically provided. The
words "hereof", "herein" and "hereunder" and words of similar import when used
in this Agreement shall refer to this Agreement as a whole and not to any
particular provision of this Agreement. All accounting terms not otherwise
defined herein have the meanings assigned to them in accordance with GAAP. All
terms defined in the UCC and not otherwise defined herein have the meanings
assigned to them in the UCC. References to Articles, Sections, subsections,
Exhibits, Schedules and the like, are to Articles, Sections and subsections of,
or Exhibits or Schedules attached to, this Agreement unless otherwise expressly
provided. The words "include", "includes" and "including" shall be deemed to be
followed by the phrase "without limitation". Unless the context in which used
herein otherwise clearly requires, "or" has the inclusive meaning represented by
the phrase "and/or". Defined terms include in the singular number the plural and
in the plural number the singular. Reference to any agreement (including the
Credit Documents), document or instrument means such agreement, document or
instrument as amended or modified and in effect from time to time in accordance
with the terms thereof (and, if applicable, in accordance with the terms hereof
and the other Credit Documents), except where otherwise explicitly provided, any
reference to any promissory note includes any promissory note which is an
extension or renewal thereof or a substitute or replacement therefor. Reference
to any law, rule, regulation, order, decree, requirement, policy, guideline,
directive or interpretation means as amended, modified, codified, replaced or
reenacted, in whole or in part, and in effect on the determination date,
including rules and regulations promulgated thereunder

                                   ARTICLE II

                           AMOUNT AND TERMS OF CREDIT

                  Section 2.1 The Commitments.

                  (a) TERM LOANS. Subject to and upon the terms and conditions
         set forth herein, each Lender with a Term Loan Commitment severally
         agrees to make a term loan or term loans (each a "Term Loan" and,
         collectively, the "Term Loans") to the Borrower, which Term Loans:

                           (i) only may be incurred on the Closing Date,

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                           (ii) shall, at the option of the Borrower, be
                  incurred and maintained as, and/or converted into, Base Rate
                  Loans or Eurodollar Loans, provided that, except as otherwise
                  specifically provided in Section 2.10(b), all Term Loans
                  comprising the same Borrowing shall at all times be of the
                  same Type, and

                           (iii) shall be made by each such Lender in that
                  aggregate principal amount which does not exceed the Term Loan
                  Commitment of such Lender on the Closing Date. Once repaid,
                  Term Loans incurred hereunder may not be reborrowed.

                  (b) REVOLVING LOANS. Subject to and upon the terms and
         conditions set forth herein, each Lender with a Revolving Loan
         Commitment severally agrees to make, at any time and from time to time
         on or after the Closing Date and prior to the Revolving Loan Maturity
         Date, a revolving loan or revolving loans (each a "Revolving Loan" and,
         collectively, the "Revolving Loans") to the Borrower, which Revolving
         Loans:

                           (i) shall, at the option of the Borrower, be incurred
                  and maintained as, and/or converted into, Base Rate Loans or
                  Eurodollar Loans, provided that, except as otherwise
                  specifically provided in Section 2.10(b), all Revolving Loans
                  comprising the same Borrowing shall at all times be of the
                  same Type,

                           (ii) may be repaid and reborrowed in accordance with
                  the provisions hereof,

                           (iii) shall not exceed for any such Lender at any
                  time outstanding that aggregate principal amount which, when
                  added to the product of (x) such Lender's RL Percentage and
                  (y) the sum of (I) the aggregate amount of all Letter of
                  Credit Outstandings (exclusive of Unpaid Drawings which are
                  repaid with the proceeds of, and simultaneously with the
                  incurrence of, the respective incurrence of Revolving Loans)
                  at such time and (II) the aggregate principal amount of all
                  Swingline Loans (exclusive of Swingline Loans which are repaid
                  with the proceeds of, and simultaneously with the incurrence
                  of, the respective incurrence of Revolving Loans) then
                  outstanding, equals the Revolving Loan Commitment of such
                  Lender at such time, and

                           (iv) shall not exceed for all such Lenders at any
                  time outstanding that aggregate principal amount which, when
                  added to the sum of (I) the aggregate amount of all Letter of
                  Credit Outstandings (exclusive of Unpaid Drawings which are
                  repaid with the proceeds of, and simultaneously with the
                  incurrence of, the respective incurrence of Revolving Loans)
                  at such time and (II) the aggregate principal amount of all
                  Swingline Loans (exclusive of Swingline Loans which are repaid
                  with the proceeds of, and simultaneously with the incurrence
                  of, the respective incurrence of Revolving Loans) then
                  outstanding, equals the Total Revolving Loan Commitment at
                  such time.

                  (c) SWINGLINE LOANS. Subject to and upon the terms and
         conditions set forth herein, the Swingline Lender agrees to make, at
         any time and from time to time

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         on or after the Closing Date and prior to the Swingline Expiry Date, a
         revolving loan or revolving loans (each a "Swingline Loan" and,
         collectively, the "Swingline Loans") to the Borrower, which Swingline
         Loans:

                           (i) shall be made and maintained as Base Rate Loans,

                           (ii) may be repaid and reborrowed in accordance with
                  the provisions hereof,

                           (iii) shall not exceed in aggregate principal amount
                  at any time outstanding, when combined with the aggregate
                  principal amount of all Revolving Loans then outstanding and
                  the aggregate amount of all Letter of Credit Outstandings at
                  such time, an amount equal to the Total Revolving Loan
                  Commitment at such time, and

                           (iv) shall not exceed in aggregate principal amount
                  at any time outstanding the Maximum Swingline Amount.

         Notwithstanding anything to the contrary contained in this Section
         2.1(c), (i) the Swingline Lender shall not be obligated to make any
         Swingline Loans at a time when a Lender Default exists unless the
         Swingline Lender has entered into arrangements satisfactory to it and
         the Borrower to eliminate the Swingline Lender's risk with respect to
         the Defaulting Lender's or Lenders' participation in such Swingline
         Loans, including by cash collateralizing such Defaulting Lender's or
         Lenders' RL Percentage of the outstanding Swingline Loans and (ii) the
         Swingline Lender shall not make any Swingline Loan after it has
         received written notice from the Borrower or the Required Lenders
         stating that a Default or an Event of Default exists and is continuing
         until such time as the Swingline Lender shall have received written
         notice (A) of rescission of all such notices from the party or parties
         originally delivering such notice or notices or (B) of the waiver of
         such Default or Event of Default by the Required Lenders.

                  (d) REFUNDING OF SWINGLINE LOANS. On any Business Day, the
         Swingline Lender may, in its sole discretion, give notice to the RL
         Lenders that the Swingline Lender's outstanding Swingline Loans shall
         be funded with one or more Borrowings of Revolving Loans (provided that
         such notice shall be deemed to have been automatically given upon the
         occurrence of a Default or an Event of Default under Section 11.1(e) or
         upon the exercise of any of the remedies provided in Section 11.2), in
         which case one or more Borrowings of Revolving Loans constituting Base
         Rate Loans (each such Borrowing, a "Mandatory Borrowing") shall be made
         on the immediately succeeding Business Day by all RL Lenders pro rata
         based on each such RL Lender's RL Percentage (determined before giving
         effect to any termination of the Revolving Loan Commitments pursuant to
         Section 11.2) and the proceeds thereof shall be applied directly by the
         Swingline Lender to repay the Swingline Lender for such outstanding
         Swingline Loans. Each RL Lender hereby irrevocably agrees to make
         Revolving Loans upon one Business Day's notice pursuant to each
         Mandatory

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         Borrowing in the amount and in the manner specified in the preceding
         sentence and on the date specified in writing by the Swingline Lender
         notwithstanding

                           (i) the amount of the Mandatory Borrowing may not
                  comply with the Minimum Borrowing Amount otherwise required
                  hereunder,

                           (ii) whether any conditions specified in Article VII
                  are then satisfied,

                           (iii) whether a Default or an Event of Default then
                  exists,

                           (iv) the date of such Mandatory Borrowing, and

                           (v) the amount of the Total Revolving Loan Commitment
                  at such time.

         In the event that any Mandatory Borrowing cannot for any reason be made
         on the date otherwise required above (including, without limitation, as
         a result of the commencement of a proceeding under the Bankruptcy Code
         with respect to the Borrower), then each RL Lender hereby agrees that
         it shall forthwith purchase (as of the date the Mandatory Borrowing
         would otherwise have occurred, but adjusted for any payments received
         from the Borrower on or after such date and prior to such purchase)
         from the Swingline Lender such participations in the outstanding
         Swingline Loans as shall be necessary to cause the RL Lenders to share
         in such Swingline Loans ratably based upon their respective RL
         Percentages (determined before giving effect to any termination of the
         Revolving Loan Commitments pursuant to Section 11.2), provided that (x)
         all interest payable on the Swingline Loans shall be for the account of
         the Swingline Lender until the date as of which the respective
         participation is required to be purchased and, to the extent
         attributable to the purchased participation, shall be payable to the
         participant from and after such date and (y) at the time any purchase
         of participations pursuant to this sentence is actually made, the
         purchasing RL Lender shall be required to pay the Swingline Lender
         interest on the principal amount of participation purchased for each
         day from and including the day upon which the Mandatory Borrowing would
         otherwise have occurred to but excluding the date of payment for such
         participation, at the overnight Federal Funds Rate for the first three
         days and at the rate otherwise applicable to Revolving Loans maintained
         as Base Rate Loans hereunder for each day thereafter.

                  Section 2.2 Minimum Amount of Each Borrowing. The aggregate
principal amount of each Borrowing of Loans under a Tranche shall not be less
than the Minimum Borrowing Amount applicable to such Tranche. More than one
Borrowing may occur on the same date, but at no time shall there be outstanding
more than ten Borrowings of Eurodollar Loans in the aggregate.

                  Section 2.3 Notice of Borrowing.

                  (a) EURODOLLAR LOANS AND BASE RATE LOANS. Whenever the
         Borrower desires to incur (x) Eurodollar Loans hereunder, the Borrower
         shall give the

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         Administrative Agent at the Notice Office at least three Business Days
         prior notice of each Eurodollar Loan to be incurred hereunder and (y)
         Base Rate Loans hereunder (excluding Swingline Loans and Revolving
         Loans made pursuant to a Mandatory Borrowing), the Borrower shall give
         the Administrative Agent at the Notice Office at least one Business
         Day's prior notice of each Base Rate Loan to be incurred hereunder,
         provided that (in each case) any such notice shall be deemed to have
         been given on a certain day only if given before 10:00 A.M. on such
         day. Each such notice (each a "Notice of Borrowing"), except as
         otherwise expressly provided in Section 2.10, shall be irrevocable and
         shall be given by the Borrower in writing, by telephone or by other
         means acceptable to the Administrative Agent, promptly confirmed in
         writing, in the form of Exhibit A, appropriately completed to specify
         the aggregate principal amount of the Loans to be incurred pursuant to
         such Borrowing, the date of such Borrowing (which shall be a Business
         Day), whether the Loans being incurred pursuant to such Borrowing shall
         constitute Term Loans or Revolving Loans and whether the Loans being
         incurred pursuant to such Borrowing are to be initially maintained as
         Base Rate Loans or, to the extent permitted hereunder, Eurodollar Loans
         and, if Eurodollar Loans, the initial Interest Period to be applicable
         thereto. The Administrative Agent shall promptly give each Lender which
         is required to make Loans of the Tranche specified in the respective
         Notice of Borrowing, notice of such proposed Borrowing, of such
         Lender's proportionate share thereof and of the other matters required
         by the immediately preceding sentence to be specified in the Notice of
         Borrowing.

                  (b) SWINGLINE LOANS.

                           (i) Whenever the Borrower desires to incur Swingline
                  Loans hereunder, the Borrower shall give the Swingline Lender
                  no later than 12:00 Noon on the date that a Swingline Loan is
                  to be incurred, written notice or telephonic notice promptly
                  confirmed in writing of each Swingline Loan to be incurred
                  hereunder. Each such notice shall be irrevocable and specify
                  in each case (A) the date of Borrowing (which shall be a
                  Business Day) and (B) the aggregate principal amount of the
                  Swingline Loans to be incurred pursuant to such Borrowing.

                           (ii) Mandatory Borrowings shall be made upon the
                  notice specified in Section 2.1(d), with the Borrower
                  irrevocably agreeing, by its incurrence of any Swingline Loan,
                  to the making of the Mandatory Borrowings as set forth in
                  Section 2.1(d).

                  (c) TELEPHONIC NOTICE. Without in any way limiting the
         obligation of the Borrower to confirm in writing any telephonic notice
         of any Borrowing or prepayment of Loans, the Administrative Agent or
         the Swingline Lender, as the case may be, may act without liability
         upon the basis of telephonic notice of such Borrowing or prepayment, as
         the case may be, believed by the Administrative Agent or the Swingline
         Lender, as the case may be, in good faith to be from the Chairman of
         the Board, the President, the Chief Financial Officer, the Treasurer or
         any Assistant

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         Treasurer of the Borrower, or from any other authorized officer of the
         Borrower designated in writing by the Borrower to the Administrative
         Agent as being authorized to give such notices, prior to receipt of
         written confirmation. In each such case, the Borrower hereby waives the
         right to dispute the Administrative Agent's or Swingline Lender's
         record of the terms of such telephonic notice of such Borrowing or
         prepayment of Loans, as the case may be, absent manifest error.

                  Section 2.4 Disbursement of Funds. No later than 11:00 A.M. on
the date specified in each Notice of Borrowing (or (x) in the case of Swingline
Loans, no later than 2:00 P.M. on the date specified pursuant to Section
2.3(b)(i) or (y) in the case of Mandatory Borrowings, no later than 12:00 Noon
on the date specified in Section 2.1(d)), each Lender with a Commitment of the
applicable Tranche will make available its pro rata portion (determined in
accordance with Section 2.7) of each such Borrowing requested to be made on such
date (or in the case of Swingline Loans, the Swingline Lender will make
available the full amount thereof). All such amounts will be made available in
Dollars and in immediately available funds at the Payment Office, and the
Administrative Agent will, except in the case of Revolving Loans made pursuant
to a Mandatory Borrowing, make available to the Borrower at the Payment Office
the aggregate of the amounts so made available by the Lenders. Unless the
Administrative Agent shall have been notified by any Lender prior to the date of
Borrowing that such Lender does not intend to make available to the
Administrative Agent such Lender's portion of any Borrowing to be made on such
date, the Administrative Agent may assume that such Lender has made such amount
available to the Administrative Agent on such date of Borrowing and the
Administrative Agent may (but shall not be obligated to), in reliance upon such
assumption, make available to the Borrower a corresponding amount. If such
corresponding amount is not in fact made available to the Administrative Agent
by such Lender, the Administrative Agent shall be entitled to recover such
corresponding amount on demand from such Lender. If such Lender does not pay
such corresponding amount forthwith upon the Administrative Agent's demand
therefor, the Administrative Agent shall promptly notify the Borrower and the
Borrower shall immediately pay such corresponding amount to the Administrative
Agent. The Administrative Agent also shall be entitled to recover on demand from
such Lender or the Borrower, as the case may be, interest on such corresponding
amount in respect of each day from the date such corresponding amount was made
available by the Administrative Agent to the Borrower until the date such
corresponding amount is recovered by the Administrative Agent, at a rate per
annum equal to (i) if recovered from such Lender, the overnight Federal Funds
Rate for the first three days and at the interest rate otherwise applicable to
such Loans for each day thereafter and (ii) if recovered from the Borrower, the
rate of interest applicable to the respective Borrowing, as determined pursuant
to Section 2.8. Nothing in this Section 2.4 shall be deemed to relieve any
Lender from its obligation to make Loans hereunder or to prejudice any rights
which the Borrower may have against any Lender as a result of any failure by
such Lender to make Loans hereunder.

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                  Section 2.5 Notes.

                  (a) PROMISSORY NOTES OPTIONAL. The Borrower's obligation to
         pay the principal of, and interest on, the Loans made by each Lender
         shall be evidenced in the Register maintained by the Administrative
         Agent pursuant to Section 13.14 and shall, if requested by such Lender,
         also be evidenced (i) if Term Loans, by a promissory note duly executed
         and delivered by the Borrower substantially in the form of Exhibit B,
         with blanks appropriately completed in conformity herewith (each a
         "Term Note" and, collectively, the "Term Notes"), (ii) if Revolving
         Loans, by a promissory note duly executed and delivered by the Borrower
         substantially in the form of Exhibit C, with blanks appropriately
         completed in conformity herewith (each a "Revolving Note" and,
         collectively, the "Revolving Notes"), and (iii) if Swingline Loans, by
         a promissory note duly executed and delivered by the Borrower
         substantially in the form of Exhibit D, with blanks appropriately
         completed in conformity herewith (the "Swingline Note").

                  (b) TERM NOTES. The Term Note issued to each Lender that has a
         Term Loan Commitment or outstanding Term Loans shall (i) be executed by
         the Borrower, (ii) be payable to such Lender or its registered assigns
         and be dated the Closing Date (or, if issued after the Closing Date, be
         dated the date of issuance thereof), (iii) be in a stated principal
         amount equal to the Term Loans made by such Lender on the Closing Date
         (or, if issued after the Closing Date, be in a stated principal amount
         equal to the outstanding principal amount of Term Loans of such Lender
         at such time) and be payable in the outstanding principal amount of
         Term Loans evidenced thereby, (iv) mature on the Term Loan Maturity
         Date, (v) bear interest as provided in Section 2.8 in respect of the
         Base Rate Loans and Eurodollar Loans, as the case may be, evidenced
         thereby, (vi) be subject to voluntary prepayment as provided in Section
         5.1, and mandatory repayment as provided in Section 5.2, and (vii) be
         entitled to the benefits of this Agreement and the other Credit
         Documents.

                  (c) REVOLVING NOTES. The Revolving Note issued to each Lender
         that has a Revolving Loan Commitment or outstanding Revolving Loans
         shall (i) be executed by the Borrower, (ii) be payable to such Lender
         or its registered assigns and be dated the Closing Date (or, if issued
         after the Closing Date, be dated the date of the issuance thereof),
         (iii) be in a stated principal amount equal to the Revolving Loan
         Commitment of such Lender (or, if issued after the termination thereof,
         be in a stated principal amount equal to the outstanding Revolving
         Loans of such Lender at such time) and be payable in the outstanding
         principal amount of the Revolving Loans evidenced thereby, (iv) mature
         on the Revolving Loan Maturity Date, (v) bear interest as provided in
         Section 2.8 in respect of the Base Rate Loans and Eurodollar Loans, as
         the case may be, evidenced thereby, (vi) be subject to voluntary
         prepayment as provided in Section 5.1, and mandatory repayment as
         provided in Section 5.2, and (vii) be entitled to the benefits of this
         Agreement and the other Credit Documents.

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                  (d) SWINGLINE NOTE. The Swingline Note issued to the Swingline
         Lender shall (i) be executed by the Borrower, (ii) be payable to the
         Swingline Lender or its registered assigns and be dated the Closing
         Date, (iii) be in a stated principal amount equal to the Maximum
         Swingline Amount and be payable in the outstanding principal amount of
         the Swingline Loans evidenced thereby from time to time, (iv) mature on
         the Swingline Expiry Date, (v) bear interest as provided in Section 2.8
         in respect of the Base Rate Loans evidenced thereby, (vi) be subject to
         voluntary prepayment as provided in Section 5.1, and mandatory
         repayment as provided in Section 5.2, and (vii) be entitled to the
         benefits of this Agreement and the other Credit Documents.

                  (e) RECORDS OF AMOUNTS OF LOANS. Each Lender will note on its
         internal records the amount of each Loan made by it and each payment in
         respect thereof and will prior to any transfer of any of its Notes
         endorse on the reverse side thereof the outstanding principal amount of
         Loans evidenced thereby. Failure to make any such notation or any error
         in such notation shall not affect the Borrower's obligations in respect
         of such Loans.

                  Section 2.6 Conversions.

                  (a) OPTION TO CONVERT. The Borrower shall have the option to
         convert on any Business Day all or a portion equal to at least the
         Minimum Borrowing Amount of the outstanding principal amount of Loans
         (other than Swingline Loans which may not be converted pursuant to this
         Section 2.6) made pursuant to one or more Borrowings (so long as of the
         same Tranche) of one or more Types of Loans into a Borrowing (of the
         same Tranche) of another Type of Loan, provided that,

                           (i) except as otherwise provided in Section 2.10(b),
                  Eurodollar Loans may be converted into Base Rate Loans only on
                  the last day of an Interest Period applicable to the Loans
                  being converted and no such partial conversion of Eurodollar
                  Loans shall reduce the outstanding principal amount of such
                  Eurodollar Loans made pursuant to a single Borrowing to less
                  than the Minimum Borrowing Amount applicable thereto,

                           (ii) unless the Required Lenders otherwise agree,
                  Base Rate Loans may only be converted into Eurodollar Loans if
                  no Default or Event of Default is in existence on the date of
                  the conversion, and

                           (iii) no conversion pursuant to this Section 2.6
                  shall result in a greater number of Borrowings of Eurodollar
                  Loans than is permitted under Section 2.2.

                  (b) NOTICE OF CONVERSION. Each such conversion shall be
         effected by the Borrower giving the Administrative Agent, at the Notice
         Office prior to 10:00 A.M. at least three Business Days prior notice
         (each a "Notice of Conversion") specifying the Loans to be so
         converted, the Borrowing or Borrowings pursuant to which such Loans
         were made and, if to be converted into Eurodollar Loans, the Interest
         Period to be

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         initially applicable thereto. The Administrative Agent shall give each
         Lender prompt notice of any such proposed conversion affecting any of
         its Loans.

                  Section 2.7 Pro Rata Borrowings. All Borrowings of Term Loans
and Revolving Loans shall be incurred from the Lenders pro rata on the basis of
their Term Loan Commitments, or Revolving Loan Commitments, as the case may be.
It is understood that no Lender shall be responsible for any default by any
other Lender of its obligation to make Loans hereunder and that each Lender
shall be obligated to make the Loans provided to be made by it hereunder,
regardless of the failure of any other Lender to make its Loans hereunder.

                  Section 2.8 Interest.

                  (a) BASE RATE. The Borrower agrees to pay interest in respect
         of the unpaid principal amount of each Base Rate Loan from the date of
         Borrowing thereof until the earlier of (i) the maturity thereof
         (whether by acceleration or otherwise) and (ii) the conversion of such
         Base Rate Loan to a Eurodollar Loan pursuant to Section 2.6 or 2.9, as
         applicable, at a rate per annum which shall be equal to the sum of the
         Applicable Margin plus the Base Rate each as in effect from time to
         time.

                  (b) EURODOLLAR RATE. The Borrower agrees to pay interest in
         respect of the unpaid principal amount of each Eurodollar Loan from the
         date of Borrowing thereof until the earlier of (i) the maturity thereof
         (whether by acceleration or otherwise) and (ii) the conversion of such
         Eurodollar Loan to a Base Rate Loan pursuant to Section 2.6, 2.9 or
         2.10, as applicable, at a rate per annum which shall, during each
         Interest Period applicable thereto, be equal to the sum of the
         Applicable Margin plus the Eurodollar Rate for such Interest Period.

                  (c) DEFAULT RATE. While an Event of Default exists, the rate
         otherwise applicable to any Loan shall bear interest at a rate per
         annum equal to two percent (2%) per annum in excess of the rate
         otherwise in effect to such Loan, and all other overdue amounts payable
         hereunder or under any other Credit Document shall bear interest at a
         rate per annum equal to the rate which is 2% in excess of the rate
         applicable to Revolving Loans maintained as Base Rate Loans from time
         to time. Interest which accrues under this Section 2.8(c) shall be
         payable on demand.

                  (d) WHEN INTEREST DUE AND PAYABLE. Except as set forth in
         subsection (c), accrued (and theretofore unpaid) interest shall be
         payable (i) in respect of each Base Rate Loan, quarterly in arrears on
         each Quarterly Payment Date, (ii) in respect of each Eurodollar Loan,
         on the last day of each Interest Period applicable thereto and, in the
         case of an Interest Period in excess of three months, on each date
         occurring at three month intervals after the first day of such Interest
         Period, and (iii) in respect of each Loan, on any repayment or
         prepayment (on the amount repaid or prepaid), at maturity (whether by
         acceleration or otherwise) and, after such maturity, on demand;
         provided, however, that in the case of Base Rate Loans, interest shall
         not be payable pursuant to preceding clause (iii) at the time of any
         repayment or prepayment thereof (but shall

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         otherwise be payable as provided in preceding clause (i)) unless the
         respective repayment or prepayment is made either in conjunction with a
         permanent reduction of the Total Revolving Loan Commitment or with a
         repayment or prepayment in full of all outstanding Loans of the
         respective Tranche.

                  (e) DETERMINATION OF EURODOLLAR RATE. Upon each Interest
         Determination Date, the Administrative Agent shall determine the
         Eurodollar Rate for each Interest Period applicable to the respective
         Eurodollar Loans and shall promptly notify the Borrower and the Lenders
         thereof. Each such determination shall, absent manifest error, be final
         and conclusive and binding on all parties hereto.

                  Section 2.9 Interest Periods. At the time the Borrower gives
any Notice of Borrowing or Notice of Conversion in respect of the making of, or
conversion into, any Eurodollar Loan (in the case of the initial Interest Period
applicable thereto) or prior to 10:00 A.M. on the third Business Day prior to
the expiration of an Interest Period applicable to such Eurodollar Loan (in the
case of any subsequent Interest Period), the Borrower shall have the right to
elect, by giving the Administrative Agent notice thereof, the interest period
(each an "Interest Period") applicable to such Eurodollar Loan, which Interest
Period shall, at the option of the Borrower, be a one, two, three or six month
period, provided that (in each case):

                  (a) all Eurodollar Loans comprising a Borrowing shall at all
         times have the same Interest Period;

                  (b) the initial Interest Period for any Eurodollar Loan shall
         commence on the date of Borrowing of such Eurodollar Loan (including
         the date of any conversion thereto from a Base Rate Loan) and each
         Interest Period occurring thereafter in respect of such Eurodollar Loan
         shall commence on the day on which the next preceding Interest Period
         applicable thereto expires;

                  (c) if any Interest Period for a Eurodollar Loan begins on a
         day for which there is no numerically corresponding day in the calendar
         month at the end of such Interest Period, such Interest Period shall
         end on the last Business Day of such calendar month;

                  (d) if any Interest Period for a Eurodollar Loan would
         otherwise expire on a day which is not a Business Day, such Interest
         Period shall expire on the next succeeding Business Day; provided,
         however, that if any Interest Period for a Eurodollar Loan would
         otherwise expire on a day which is not a Business Day but is a day of
         the month after which no further Business Day occurs in such month,
         such Interest Period shall expire on the next preceding Business Day;

                  (e) unless the Required Lenders otherwise agree, no Interest
         Period may be selected at any time when a Default or an Event of
         Default is then in existence;

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                  (f) no Interest Period in respect of any Borrowing of any
         Tranche of Loans shall be selected which extends beyond the Maturity
         Date for such Tranche of Loans; and

                  (g) no Interest Period in respect of any Borrowing of Term
         Loans shall be selected which extends beyond any date upon which a
         mandatory repayment of Term Loans will be required to be made under
         Section 5.2(b), as the case may be, if the aggregate principal amount
         of Term Loans which have Interest Periods which will expire after such
         date will be in excess of the aggregate principal amount of Term Loans
         then outstanding less the aggregate amount of such required repayment.

If upon the expiration of any Interest Period applicable to a Borrowing of
Eurodollar Loans, the Borrower has failed to elect, or is not permitted to
elect, a new Interest Period to be applicable to such Eurodollar Loans as
provided above, the Borrower shall be deemed to have elected to convert such
Eurodollar Loans into Base Rate Loans effective as of the expiration date of
such current Interest Period.

                  Section 2.10 Increased Costs, Illegality, etc.

                  (a) DETERMINATION OF CHANGED CIRCUMSTANCES. In the event that
         any Lender shall have determined (which determination shall, absent
         manifest error, be final and conclusive and binding upon all parties
         hereto but, with respect to clause (i) below, may be made only by the
         Administrative Agent):

                           (i) on any Interest Determination Date that, by
                  reason of any changes arising after the date of this Agreement
                  affecting the interbank Eurodollar market, adequate and fair
                  means do not exist for ascertaining the applicable interest
                  rate on the basis provided for in the definition of Eurodollar
                  Rate; or

                           (ii) at any time, that such Lender shall incur
                  increased costs or reductions in the amounts received or
                  receivable hereunder with respect to any Eurodollar Loan
                  because of (A) any change since the date of this Agreement in
                  any applicable law or governmental rule, regulation, order,
                  guideline or request (whether or not having the force of law)
                  or in the interpretation or administration thereof and
                  including the introduction of any new law or governmental
                  rule, regulation, order, guideline or request, such as, for
                  example, but not limited to: (1) a change in the basis of
                  taxation of payment to any Lender of the principal of or
                  interest on the Loans or the Notes or any other amounts
                  payable hereunder (except for changes in the rate of tax on,
                  or determined by reference to, the net income or profits of
                  such Lender pursuant to the laws of the jurisdiction in which
                  it is organized or in which its principal office or applicable
                  lending office is located or any subdivision thereof or
                  therein) or (2) a change in official reserve requirements,
                  but, in all events, excluding reserves required under
                  Regulation D to the extent included in the computation of the
                  Eurodollar Rate and/or (B) other circumstances arising

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                  since the date of this Agreement affecting such Lender, the
                  interbank Eurodollar market or the position of such Lender in
                  such market; or

                           (iii) at any time, that the making or continuance of
                  any Eurodollar Loan has been made (A) unlawful by any law or
                  governmental rule, regulation or order, (B) impossible by
                  compliance by any Lender in good faith with any governmental
                  request (whether or not having force of law) or (C)
                  impracticable as a result of a contingency occurring after the
                  date of this Agreement which materially and adversely affects
                  the interbank Eurodollar market;

         then, and in any such event, such Lender (or the Administrative Agent,
         in the case of clause (i) above) shall promptly give notice (by
         telephone promptly confirmed in writing) to the Borrower and, except in
         the case of clause (i) above, to the Administrative Agent of such
         determination (which notice the Administrative Agent shall promptly
         transmit to each of the other Lenders). Thereafter (x) in the case of
         clause (i) above, Eurodollar Loans shall no longer be available until
         such time as the Administrative Agent notifies the Borrower and the
         Lenders that the circumstances giving rise to such notice by the
         Administrative Agent no longer exist, and any Notice of Borrowing or
         Notice of Conversion given by the Borrower with respect to Eurodollar
         Loans which have not yet been incurred (including by way of conversion)
         shall be deemed rescinded by the Borrower, (y) in the case of clause
         (ii) above, the Borrower shall, subject to Section 2.14, pay to such
         Lender, upon such Lender's written request therefor, such additional
         amounts (in the form of an increased rate of, or a different method of
         calculating, interest or otherwise as such Lender in its sole
         discretion shall determine) as shall be required to compensate such
         Lender for such increased costs or reductions in amounts received or
         receivable hereunder (a written notice as to the additional amounts
         owed to such Lender, showing in reasonable detail the basis for the
         calculation thereof, submitted to the Borrower by such Lender shall,
         absent manifest error, be final and conclusive and binding on all the
         parties hereto) and (z) in the case of clause (iii) above, the Borrower
         shall take one of the actions specified in Section 2.10(b) as promptly
         as possible and, in any event, within the time period required by law.

                  (b) CONSEQUENCES OF CHANGED CIRCUMSTANCES. At any time that
         any Eurodollar Loan is affected by the circumstances described in
         Section 2.10(a)(ii) or (iii), the Borrower may (and in the case of a
         Eurodollar Loan affected by the circumstances described in Section
         2.10(a)(iii) shall) either (x) if the affected Eurodollar Loan is then
         being made initially or pursuant to a conversion, cancel such Borrowing
         by giving the Administrative Agent telephonic notice (confirmed in
         writing) on the same date that the Borrower was notified by the
         affected Lender or the Administrative Agent pursuant to Section
         2.10(a)(ii) or (iii) or (y) if the affected Eurodollar Loan is then
         outstanding, upon at least three Business Days written notice to the
         Administrative Agent, require the affected Lender to convert such
         Eurodollar Loan into a Base Rate Loan, provided that, if more than one
         Lender is affected at any

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         time, then all affected Lenders must be treated the same pursuant to
         this Section 2.10(b).

                  (c) RULE CHANGE CONCERNING CAPITAL ADEQUACY. If any Lender
         determines that after the date of this Agreement the introduction of or
         any change in any applicable law or governmental rule, regulation,
         order, guideline, directive or request (whether or not having the force
         of law) concerning capital adequacy, or any change in interpretation or
         administration thereof by the NAIC or any governmental authority,
         central bank or comparable agency, will have the effect of increasing
         the amount of capital required or expected to be maintained by such
         Lender or any corporation controlling such Lender based on the
         existence of such Lender's Commitments hereunder or its obligations
         hereunder, then the Borrower shall, subject to Section 2.14, pay to
         such Lender, upon its written demand therefor, such additional amounts
         as shall be required to compensate such Lender or such other
         corporation for the increased cost to such Lender or such other
         corporation or the reduction in the rate of return to such Lender or
         such other corporation as a result of such increase of capital. In
         determining such additional amounts, each Lender will act reasonably
         and in good faith and will use averaging and attribution methods which
         are reasonable, provided that such Lender's determination of
         compensation owing under this Section 2.10(c) shall, absent manifest
         error, be final and conclusive and binding on all the parties hereto.
         Each Lender, upon determining that any additional amounts will be
         payable pursuant to this Section 2.10(c), will give prompt written
         notice thereof to the Borrower, which notice shall show in reasonable
         detail the basis for calculation of such additional amounts.

                  Section 2.11 Compensation. The Borrower shall compensate each
Lender, upon its written request (which request shall set forth in reasonable
detail the basis for requesting such compensation), for all reasonable losses,
expenses and liabilities (including, without limitation, any loss, expense or
liability incurred by reason of the liquidation or reemployment of deposits or
other funds required by such Lender to fund its Eurodollar Loans but excluding
loss of anticipated profits) which such Lender may sustain or be deemed to have
sustained: (i) if for any reason (other than a default by such Lender or the
Administrative Agent) a Borrowing of, or conversion from or into, Eurodollar
Loans does not occur on a date specified therefor in a Notice of Borrowing or
Notice of Conversion (whether or not withdrawn by the Borrower or deemed
withdrawn pursuant to Section 2.10(a)); (ii) if any repayment (including any
repayment made pursuant to Section 5.1, Section 5.2 or as a result of an
acceleration of the Loans pursuant to Section 11.2) or conversion of any of its
Eurodollar Loans occurs on a date which is not the last day of an Interest
Period with respect thereto; (iii) if any prepayment of any of its Eurodollar
Loans is not made on any date specified in a notice of prepayment given by the
Borrower; (iv) as a consequence of (A) any other default by the Borrower to
repay its Eurodollar Loans when required by the terms of this Agreement or any
Note held by such Lender or (B) any election made pursuant to Section 2.10(b).

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                  Section 2.12 Change of Lending Office. Each Lender agrees that
on the occurrence of any event giving rise to the operation of Section
2.10(a)(ii) or (iii), Section 2.10(c), Section 3.6 or Section 5.4 with respect
to such Lender, it will, if requested by the Borrower, use reasonable efforts
(subject to overall policy considerations of such Lender) to designate another
lending office for any Loans or Letters of Credit affected by such event,
provided that such designation is made on such terms that such Lender and its
lending office suffer no economic, legal or regulatory disadvantage, with the
object of avoiding the consequence of the event giving rise to the operation of
such Section. Nothing in this Section 2.12 shall affect or postpone any of the
obligations of the Borrower or the right of any Lender provided in Sections
2.10, 2.6 and 5.4.

                  Section 2.13 Replacement of Lenders.

                  (a) CAUSE FOR REPLACEMENT; PAYOUT. If any Lender becomes a
         Defaulting Lender or otherwise defaults in its obligations to make
         Loans, or if, upon the occurrence of an event giving rise to the
         operation of Section 2.10(a)(ii) or (iii), Section 2.10(c), Section 3.6
         or Section 5.4 with respect to any Lender, such Lender charges to the
         Borrower increased costs in excess of those being generally charged by
         the other Lenders, the Borrower shall have the right, if no Default or
         Event of Default then exists, to replace such Lender (the "Replaced
         Lender") with one or more other Eligible Transferees, none of whom
         shall constitute a Defaulting Lender at the time of such replacement
         (collectively, the "Replacement Lender") and each of whom shall be
         required to be reasonably acceptable to the Administrative Agent,
         provided that:

                           (i) at the time of any replacement pursuant to this
                  Section 2.13, the Replacement Lender shall enter into one or
                  more Assignment and Assumption Agreements pursuant to Section
                  13.4(b) (and with all fees payable pursuant to said Section
                  13.4(b) to be paid by the Replacement Lender) pursuant to
                  which the Replacement Lender shall acquire all of the
                  Commitments and outstanding Loans of, and in each case
                  participations in Letters of Credit by, the Replaced Lender
                  and, in connection therewith, shall pay to

                                    (A) the Replaced Lender in respect thereof
                           an amount equal to the sum of (1) an amount equal to
                           the principal of, and all accrued interest on, all
                           outstanding Loans of the Replaced Lender, (2) an
                           amount equal to all Unpaid Drawings that have been
                           funded by (and not reimbursed to) such Replaced
                           Lender, together with all then unpaid interest with
                           respect thereto at such time, and (3) an amount equal
                           to all accrued, but theretofore unpaid, Fees owing to
                           the Replaced Lender pursuant to Section 4.1,

                                    (B) the Issuing Lender an amount equal to
                           such Replaced Lender's RL Percentage of any Unpaid
                           Drawing (which at such time remains an Unpaid
                           Drawing) to the extent such amount was not
                           theretofore funded by such Replaced Lender to the
                           Issuing Lender, and

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                                    (C) the Swingline Lender an amount equal to
                           such Replaced Lender's RL Percentage of any Mandatory
                           Borrowing to the extent such amount was not
                           theretofore funded by such Replaced Lender to the
                           Swingline Lender, and

                           (ii) all obligations of the Borrower due and owing to
                  the Replaced Lender at such time (other than those
                  specifically described in clause (i) above in respect of which
                  the assignment purchase price has been, or is concurrently
                  being, paid) shall be paid in full to such Replaced Lender
                  concurrently with such replacement.

                  (b) REPLACEMENT LENDER BECOMES LENDER. Upon the execution of
         the applicable Assignment and Assumption Agreement, the payment of
         amounts referred to in clauses (a)(i) and (a)(ii) above and, if so
         requested by the Replacement Lender, delivery to the Replacement Lender
         of the appropriate Note or Notes executed by the Borrower, the
         Replacement Lender shall become a Lender hereunder and the Replaced
         Lender shall cease to constitute a Lender hereunder, except with
         respect to indemnification provisions under this Agreement (including,
         without limitation, Sections 2.10, 2.11, 3.6, 5.4, 12.6 and 13.1),
         which shall survive as to such Replaced Lender.

                  Section 2.14 Limitation on Additional Amounts. Notwithstanding
anything to the contrary contained in Section 2.10 or 3.6, unless a Lender gives
notice to the Borrower that the Borrower is obligated to pay any amount under
Section 2.10 or 3.6 within 180 days after the later of (x) the date such Lender
incurs the respective increased costs or reduction in the rate of return or (y)
the date such Lender has actual knowledge of its incurrence of the respective
increased costs or reduction in the rate of return, such Lender shall only be
entitled to be compensated for such amount by the Borrower pursuant to Section
2.10 or 3.6 to the extent the respective increased costs or reduction in the
rate of return are incurred or suffered on or after the date which occurs 180
days prior to such Lender giving notice to the Borrower that it is obligated to
pay the respective amounts pursuant to Section 2.10 or 3.6. This Section 2.14
shall have no applicability to any Section of this Agreement other than Sections
2.10 and 3.6.

                                   ARTICLE III

                                LETTERS OF CREDIT

                  Section 3.1 Letters of Credit.

                  (a) REQUESTS FOR LETTERS OF CREDIT. Subject to and upon the
         terms and conditions set forth herein, the Borrower may request that
         the Issuing Lender issue, at any time and from time to time on and
         after the Closing Date and prior to the 30th day prior to the Revolving
         Loan Maturity Date, for the account of the Borrower and for the benefit
         of (x) any holder (or any trustee, agent or other similar
         representative for any such holders) of L/C Supportable Obligations of
         the Borrower or any of its

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         Subsidiaries, an irrevocable standby letter of credit, in a form
         customarily used by the Issuing Lender or in such other form as has
         been approved by the Issuing Lender, and (y) sellers of goods to the
         Borrower or any of its Subsidiaries, an irrevocable trade letter of
         credit, in a form customarily used by the Issuing Lender or in such
         other form as has been approved by the Issuing Lender (each such letter
         of credit, a "Letter of Credit" and, collectively, the "Letters of
         Credit"). All Letters of Credit shall be denominated in Dollars and
         shall be issued on a sight basis only.

                  (b) COMMITMENT TO ISSUE LETTERS OF CREDIT. Subject to and upon
         the terms and conditions set forth herein, the Issuing Lender agrees
         that it will, at any time and from time to time on and after the
         Closing Date and prior to the 30th day prior to the Revolving Loan
         Maturity Date, following its receipt of the respective Letter of Credit
         Request, issue for the account of the Borrower, one or more Letters of
         Credit as are permitted to remain outstanding hereunder without giving
         rise to a Default or an Event of Default, provided that the Issuing
         Lender shall be under no obligation to issue any Letter of Credit of
         the types described above if at the time of such issuance:

                           (i) any order, judgment or decree of any governmental
                  authority or arbitrator shall purport by its terms to enjoin
                  or restrain the Issuing Lender from issuing such Letter of
                  Credit or any requirement of law applicable to the Issuing
                  Lender or any request or directive (whether or not having the
                  force of law) from any governmental authority with
                  jurisdiction over the Issuing Lender shall prohibit, or
                  request that the Issuing Lender refrain from, the issuance of
                  letters of credit generally or such Letter of Credit in
                  particular or shall impose upon the Issuing Lender with
                  respect to such Letter of Credit any restriction or reserve or
                  capital requirement (for which the Issuing Lender is not
                  otherwise compensated hereunder) not in effect with respect to
                  the Issuing Lender on the date hereof, or any unreimbursed
                  loss, cost or expense which was not applicable or in effect
                  with respect to the Issuing Lender as of the date hereof and
                  which the Issuing Lender reasonably and in good faith deems
                  material to it; or

                           (ii) the Issuing Lender shall have received from the
                  Borrower or the Required Lenders prior to the issuance of such
                  Letter of Credit, notice of the type described in the second
                  sentence of Section 3.3(b).

                  Section 3.2 Maximum Letter of Credit Outstandings; Final
Maturities. Notwithstanding anything to the contrary contained in this
Agreement,

                  (a) no Letter of Credit shall be issued the Stated Amount of
         which, when added to the Letter of Credit Outstandings (exclusive of
         Unpaid Drawings which are repaid on the date of, and prior to the
         issuance of, such Letter of Credit) at such time would exceed either
         (i) $10,000,000 or (ii) when added to the sum of (A) the aggregate
         principal amount of all Revolving Loans then outstanding and (B) the
         aggregate principal amount of all Swingline Loans then outstanding, an
         amount equal to the Total Revolving Loan Commitment at such time, and

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                  (b) each Letter of Credit shall by its terms terminate on or
         before the earlier of (i) (A) in the case of standby Letters of Credit,
         the date which occurs 12 months after the date of the issuance thereof
         (although any such standby Letter of Credit may be extendible for
         successive periods of up to 12 months, but, in each case, not beyond
         the third Business Day prior to the Revolving Loan Maturity Date, on
         terms acceptable to the Issuing Lender) and (B) in the case of trade
         Letters of Credit, the date which occurs 180 days after the date of
         issuance thereof, and (ii) 30 days prior to the Revolving Loan Maturity
         Date.

                  Section 3.3 Letter of Credit Requests; Minimum Stated Amount.

                  (a) LETTER OF CREDIT REQUESTS. Whenever the Borrower desires
         that a Letter of Credit be issued for its account, the Borrower shall
         give the Administrative Agent and the Issuing Lender at least five
         Business Days (or such shorter period as is acceptable to the Issuing
         Lender) written notice thereof (including by way of facsimile). Each
         notice shall be in the form of Exhibit E, appropriately completed (each
         a "Letter of Credit Request"). Further, in conjunction with each Letter
         of Credit Request, Borrower shall submit an application and agreement
         for the issuance or amendment of a Letter of Credit in the form from
         time to time in use by the Issuing Lender.

                  (b) ISSUANCE OF LETTERS OF CREDIT. The making of each Letter
         of Credit Request shall be deemed to be a representation and warranty
         by the Borrower that such Letter of Credit may be issued in accordance
         with, and will not violate the requirements of, Section 3.2. Unless the
         Issuing Lender has received notice from the Borrower or the Required
         Lenders before it issues a Letter of Credit that one or more of the
         conditions specified in Articles VI or VII are not then satisfied, or
         that the issuance of such Letter of Credit would violate Section 3.2,
         then the Issuing Lender shall, subject to the terms and conditions of
         this Agreement, issue the requested Letter of Credit for the account of
         the Borrower in accordance with the Issuing Lender's usual and
         customary practices. Upon the issuance of or modification or amendment
         to any standby Letter of Credit, the Issuing Lender shall promptly
         notify the Administrative Agent and each Participant of such issuance,
         modification or amendment as the case may be. Notwithstanding anything
         to the contrary contained in this Agreement, in the event that a Lender
         Default exists, the Issuing Lender shall not be required to issue any
         Letter of Credit unless the Issuing Lender has entered into
         arrangements satisfactory to it and the Borrower to eliminate the
         Issuing Lender's risk with respect to the participation in Letters of
         Credit by the Defaulting Lender or Lenders, including by cash
         collateralizing such Defaulting Lender's or Lenders' RL Percentage of
         the Letter of Credit Outstandings.

                  (c) MINIMUM INITIAL STATED AMOUNT. The initial Stated Amount
         of each Letter of Credit shall not be less than $50,000 or such lesser
         amount as is acceptable to the Issuing Lender.

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                  Section 3.4 Letter of Credit Participations.

                  (a) SALE OF PARTICIPATIONS. Immediately upon the issuance by
         the Issuing Lender of any Letter of Credit, the Issuing Lender shall be
         deemed to have sold and transferred to each RL Lender, other than the
         Issuing Lender (each such Lender, in its capacity under this Section
         3.4, a "Participant"), and each such Participant shall be deemed
         irrevocably and unconditionally to have purchased and received from the
         Issuing Lender, without recourse or warranty, an undivided interest and
         participation, to the extent of such Participant's RL Percentage, in
         such Letter of Credit, each drawing or payment made thereunder and the
         obligations of the Borrower under this Agreement with respect thereto,
         and any security therefor or guaranty pertaining thereto. Upon any
         change in the Revolving Loan Commitments or RL Percentages of the
         Lenders pursuant to Sections 2.13 or 13.4(b), it is hereby agreed that,
         with respect to all Letter of Credit Outstandings, there shall be an
         automatic adjustment to the participations pursuant to this Section 3.4
         to reflect the new RL Percentages of the assignor and assignee Lender.

                  (b) ISSUING LENDER'S DUTIES TO OTHER LENDERS. In determining
         whether to pay under any Letter of Credit, the Issuing Lender shall not
         have an obligation relative to the other Lenders other than to confirm
         that any documents required to be delivered under such Letter of Credit
         appear to have been delivered and that they appear to substantially
         comply on their face with the requirements of such Letter of Credit.
         Any action taken or omitted to be taken by the Issuing Lender under or
         in connection with any Letter of Credit shall not create for the
         Issuing Lender any resulting liability to the Borrower, any other
         Credit Party, any Lender or any other Person unless such action is
         taken or omitted to be taken with gross negligence or willful
         misconduct (as determined by a court of competent jurisdiction in a
         final and non-appealable decision).

                  (c) REIMBURSEMENT BY PARTICIPANTS. In the event that the
         Issuing Lender makes any payment under any Letter of Credit and the
         Borrower shall not have reimbursed such amount in full to the Issuing
         Lender pursuant to Section 3.5(a), the Issuing Lender shall promptly
         notify the Administrative Agent, which shall promptly notify each
         Participant of such failure, and each Participant shall promptly and
         unconditionally pay to the Issuing Lender the amount of such
         Participant's RL Percentage of such unreimbursed payment in Dollars and
         in same day funds. If the Administrative Agent so notifies, prior to
         12:00 noon on any Business Day, any Participant required to fund a
         payment under a Letter of Credit, such Participant shall make available
         to the Issuing Lender in Dollars such Participant's RL Percentage of
         the amount of such payment on such Business Day in same day funds. If
         and to the extent such Participant shall not have so made its RL
         Percentage of the amount of such payment available to the Issuing
         Lender, such Participant agrees to pay to the Issuing Lender, forthwith
         on demand such amount, together with interest thereon, for each day
         from such date until the date such amount is paid to the Issuing Lender
         at the overnight Federal Funds Rate for the first three days and at the
         interest rate

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         applicable to Revolving Loans maintained as Base Rate Loans for each
         day thereafter. The failure of any Participant to make available to the
         Issuing Lender its RL Percentage of any payment under any Letter of
         Credit shall not relieve any other Participant of its obligation
         hereunder to make available to the Issuing Lender its RL Percentage of
         any payment under any Letter of Credit on the date required, as
         specified above, but no Participant shall be responsible for the
         failure of any other Participant to make available to the Issuing
         Lender such other Participant's RL Percentage of any such payment.

                  (d) REIMBURSEMENT OF PARTICIPANTS. Whenever the Issuing Lender
         receives a payment of a reimbursement obligation as to which it has
         received any payments from the Participants pursuant to subsection (c),
         the Issuing Lender shall pay to each such Participant which has paid
         its RL Percentage thereof, in Dollars and in same day funds, an amount
         equal to such Participant's share (based upon the proportionate
         aggregate amount originally funded by such Participant to the aggregate
         amount funded by all Participants) of the principal amount of such
         reimbursement obligation and interest thereon accruing after the
         purchase of the respective participations.

                  (e) COPIES OF DOCUMENTS. Upon the request of any Participant,
         the Issuing Lender shall furnish to such Participant copies of any
         Letter of Credit and such other documentation as may reasonably be
         requested by such Participant.

                  (f) PARTICIPANT'S OBLIGATIONS IRREVOCABLE. The obligations of
         the Participants to make payments to the Issuing Lender with respect to
         Letters of Credit shall be irrevocable and not subject to any
         qualification or exception whatsoever and shall be made in accordance
         with the terms and conditions of this Agreement under all
         circumstances, including, without limitation, any of the following
         circumstances:

                           (i) any lack of validity or enforceability of this
                  Agreement or any of the other Credit Documents;

                           (ii) the existence of any claim, setoff, defense or
                  other right which the Borrower or any of its Subsidiaries may
                  have at any time against a beneficiary named in a Letter of
                  Credit, any transferee of any Letter of Credit (or any Person
                  for whom any such transferee may be acting), the
                  Administrative Agent, any Participant, or any other Person,
                  whether in connection with this Agreement, any Letter of
                  Credit, the transactions contemplated herein or any unrelated
                  transactions (including any underlying transaction between the
                  Borrower or any Subsidiary of the Borrower and the beneficiary
                  named in any such Letter of Credit);

                           (iii) any draft, certificate or any other document
                  presented under any Letter of Credit proving to be forged,
                  fraudulent, invalid or insufficient in any respect or any
                  statement therein being untrue or inaccurate in any respect;

                           (iv) the surrender or impairment of any security for
                  the performance or observance of any of the terms of any of
                  the Credit Documents; or

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                           (v) the occurrence of any Default or Event of
                  Default.

                  Section 3.5 Agreement to Repay Letter of Credit Drawings.

                  (a) OBLIGATION TO REPAY DRAWINGS. The Borrower agrees to
         reimburse the Issuing Lender, by making payment to the Administrative
         Agent in immediately available funds at the Payment Office, for any
         payment or disbursement made by the Issuing Lender under any Letter of
         Credit (each such amount, so paid until reimbursed, an "Unpaid
         Drawing"), not later than one Business Day following receipt by the
         Borrower of notice of such payment or disbursement (provided that no
         such notice shall be required to be given if a Default or an Event of
         Default under Section 11.1(e) shall have occurred and be continuing, in
         which case the Unpaid Drawing shall be due and payable immediately
         without presentment, demand, protest or notice of any kind (all of
         which are hereby waived by the Borrower)), with interest on the amount
         so paid or disbursed by the Issuing Lender, to the extent not
         reimbursed prior to 11:00 A.M. on the date of such payment or
         disbursement, from and including the date paid or disbursed to but
         excluding the date the Issuing Lender was reimbursed by the Borrower
         therefor at a rate per annum equal to the Base Rate in effect from time
         to time plus the Applicable Margin for Revolving Loans maintained as
         Base Rate Loans; provided, however, to the extent such amounts are not
         reimbursed prior to 11:00 A.M. on the third Business Day following the
         receipt by the Borrower of notice of such payment or disbursement or
         following the occurrence of a Default or an Event of Default under
         Section 11.1(e), interest shall thereafter accrue on the amounts so
         paid or disbursed by the Issuing Lender (and until reimbursed by the
         Borrower) at a rate per annum equal to the Base Rate in effect from
         time to time plus the Applicable Margin for Revolving Loans maintained
         as Base Rate Loans plus 2%, with interest to be payable on demand. The
         Issuing Lender shall give the Borrower prompt notice of each Drawing
         under any Letter of Credit; provided that the failure to give any such
         notice shall in no way affect, impair or diminish the Borrower's
         obligations hereunder.

                  (b) OBLIGATIONS ABSOLUTE. The obligations of the Borrower
         under this Section 3.5 to reimburse the Issuing Lender with respect to
         drawings under Letters of Credit (each a "Drawing") (including, in each
         case, interest thereon) shall be absolute and unconditional under any
         and all circumstances and irrespective of any setoff, counterclaim or
         defense to payment which the Borrower or any Subsidiary of the Borrower
         may have or have had against the beneficiary or any Lender (including
         in its capacity as the Issuing Lender or as a Participant), including,
         without limitation, any defense based upon the failure of any drawing
         under a Letter of Credit to conform to the terms of the Letter of
         Credit or any nonapplication or misapplication by the beneficiary of
         the proceeds of such Drawing; provided, however, that the Borrower
         shall not be obligated to reimburse the Issuing Lender for any wrongful
         payment made by the Issuing Lender under a Letter of Credit as a result
         of acts or omissions constituting willful misconduct or gross
         negligence on the part of the Issuing Lender

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         (as determined by a court of competent jurisdiction in a final and
         non-appealable decision).

                  Section 3.6 Increased Costs. If at any time after the date of
this Agreement, the introduction of or any change in any applicable law, rule,
regulation, order, guideline or request or in the interpretation or
administration thereof by the NAIC or any governmental authority charged with
the interpretation or administration thereof, or compliance by the Issuing
Lender or any Participant with any request or directive by the NAIC or by any
such authority (whether or not having the force of law), shall either

                  (a) impose, modify or make applicable any reserve, deposit,
         capital adequacy or similar requirement against letters of credit
         issued by the Issuing Lender or participated in by any Participant, or

                  (b) impose on the Issuing Lender or any Participant any other
         conditions relating, directly or indirectly, to this Agreement or any
         Letter of Credit;

and the result of any of the foregoing is to increase the cost to the Issuing
Lender or any Participant of issuing, maintaining or participating in any Letter
of Credit, or reduce the amount of any sum received or receivable by the Issuing
Lender or any Participant hereunder or reduce the rate of return on its capital
with respect to Letters of Credit (except for changes in the rate of tax on, or
determined by reference to, the net income or profits of the Issuing Lender or
such Participant pursuant to the laws of the jurisdiction in which it is
organized or in which its principal office or applicable lending office is
located or any subdivision thereof or therein), then, upon the delivery of the
certificate referred to below to the Borrower by the Issuing Lender or any
Participant (a copy of which certificate shall be sent by the Issuing Lender or
such Participant to the Administrative Agent), the Borrower shall, subject to
Section 2.14, pay to the Issuing Lender or such Participant such additional
amount or amounts as will compensate such Lender for such increased cost or
reduction in the amount receivable or reduction on the rate of return on its
capital. The Issuing Lender or any Participant, upon determining that any
additional amounts will be payable pursuant to this Section 3.6, will give
prompt written notice thereof to the Borrower, which notice shall include a
certificate submitted to the Borrower by the Issuing Lender or such Participant
(a copy of which certificate shall be sent by the Issuing Lender or such
Participant to the Administrative Agent), setting forth in reasonable detail the
basis for the calculation of such additional amount or amounts necessary to
compensate the Issuing Lender or such Participant. The certificate required to
be delivered pursuant to this Section 3.6 shall, absent manifest error, be final
and conclusive and binding on the Borrower.

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                                   ARTICLE IV

                 COMMITMENT FEE; FEES; REDUCTIONS OF COMMITMENT.

                  Section 4.1 Fees.

                  (a) COMMITMENT FEE. The Borrower agrees to pay to the
         Administrative Agent for distribution to each Non-Defaulting RL Lender
         a commitment fee (the "Commitment Fee") for the period from and
         including the Closing Date to but excluding the Revolving Loan Maturity
         Date (or such earlier date on which the Total Revolving Loan Commitment
         has been terminated) computed at a rate per annum for each day equal to
         the Applicable Margin (i.e., the Commitment Fee Rate as specified in
         the definition of "Applicable Margin") on the daily average Unutilized
         Revolving Loan Commitment of such Non-Defaulting Lender. Accrued
         Commitment Fees shall be due and payable quarterly in arrears on each
         Quarterly Payment Date and on the date upon which the Total Revolving
         Loan Commitment is terminated.

                  (b) LETTER OF CREDIT FEE. The Borrower agrees to pay to the
         Administrative Agent for distribution to each RL Lender (based on each
         such RL Lender's respective RL Percentage) a fee in respect of each
         Letter of Credit (the "Letter of Credit Fee") for the period from and
         including the date of issuance of such Letter of Credit to and
         including the date of termination or expiration of such Letter of
         Credit, computed at a rate per annum equal to the Applicable Margin
         then in effect with respect to Revolving Loans maintained as Eurodollar
         Loans on the daily Stated Amount of each such Letter of Credit. Accrued
         Letter of Credit Fees shall be due and payable quarterly in arrears on
         each Quarterly Payment Date and on the first day on or after the
         termination of the Total Revolving Loan Commitment upon which no
         Letters of Credit remain outstanding.

                  (c) FRONTING FEE. The Borrower agrees to pay to the Issuing
         Lender, for its own account, a fronting fee in respect of each Letter
         of Credit (the "Fronting Fee") for the period from and including the
         date of issuance of such Letter of Credit to and including the date of
         termination or expiration of such Letter of Credit, computed at a rate
         per annum equal to 1/8 of 1% on the Stated Amount of such Letter of
         Credit. Fronting Fees shall be due and payable quarterly in arrears on
         the next Business Day following each Quarterly Payment Date and upon
         the first day on or after the termination of the Total Revolving Loan
         Commitment upon which no Letters of Credit remain outstanding.

                  (d) LETTER OF CREDIT ADMINISTRATIVE FEES. The Borrower agrees
         to pay to the Issuing Lender, for its own account, upon each payment
         under, issuance of, or amendment to, any Letter of Credit, such amount
         as shall at the time of such event be the administrative charge and the
         reasonable expenses which the Issuing Lender is generally imposing in
         connection with such occurrence with respect to letters of credit. In
         addition the Borrower shall pay directly to the Issuing Lender, for its
         own

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         account the customary issuance, presentation, amendment and other
         processing fees, and other standard costs and charges, relating to
         letters of credit as from time to time in effect. Such fees and charges
         are due and payable on demand and are nonrefundable.

                  (e) ADMINISTRATIVE AGENT FEES. The Borrower agrees to pay to
         the Administrative Agent, for its own account, such other fees as have
         been agreed to in writing by the Borrower and the Administrative Agent.

                  Section 4.2 Voluntary Termination of Unutilized Revolving Loan
Commitments. Upon at least one Business Day's prior written notice to the
Administrative Agent at the Notice Office (which notice the Administrative Agent
shall promptly transmit to each of the Lenders), the Borrower shall have the
right, at any time or from time to time, without premium or penalty, to
terminate the Total Unutilized Revolving Loan Commitment in whole, or reduce it
in part, pursuant to this Section 4.2, in an integral multiple of $500,000 in
the case of partial reductions to the Total Unutilized Revolving Loan
Commitment, provided that each such reduction shall apply proportionately to
permanently reduce the Revolving Loan Commitment of each RL Lender.

                  Section 4.3 Mandatory Reduction of Commitments.

                  (a) In addition to any other mandatory commitment reductions
         pursuant to this Section 4.3, the Total Term Loan Commitment (and the
         Term Loan Commitment of each Lender) shall terminate in its entirety on
         the Closing Date (after giving effect to the incurrence of the Term
         Loans on such date).

                  (b) In addition to any other mandatory commitment reductions
         pursuant to this Section 4.3, the Total Revolving Loan Commitment (and
         the Revolving Loan Commitment of each Lender) shall terminate in its
         entirety on the earlier of (i) the Revolving Loan Maturity Date and
         (ii) unless the Required Lenders otherwise agree, the date on which a
         Change of Control occurs.

                  (c) In addition to any other mandatory commitment reductions
         pursuant to this Section 4.3, on each date after the Closing Date upon
         which a mandatory repayment of Term Loans pursuant to any of Sections
         5.2(c) through (f), inclusive, is required (and exceeds in amount the
         aggregate principal amount of Term Loans then outstanding) or would be
         required if Term Loans were then outstanding, the Total Revolving Loan
         Commitment shall be permanently reduced by the amount, if any, by which
         the amount required to be applied pursuant to said Sections (determined
         as if an unlimited amount of Term Loans were actually outstanding)
         exceeds the aggregate principal amount of Term Loans then outstanding.

                  (d) Each reduction and/or termination to the Total Term Loan
         Commitment, and the Total Revolving Loan Commitment shall be applied to
         proportionately reduce and/or terminate the Term Loan Commitment, and
         the

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         Revolving Loan Commitment, as the case may be, of each Lender with such
         a Commitment.

                                    ARTICLE V

                          PREPAYMENTS; PAYMENTS; TAXES.

                  Section 5.1 Voluntary Prepayments.

                  (a) CONDITIONS FOR PREPAYMENT. The Borrower shall have the
         right to prepay the Loans, without premium or penalty, in whole or in
         part at any time and from time to time on the following terms and
         conditions:

                           (i) the Borrower shall give the Administrative Agent
                  prior to 11:00 A.M. at the Notice Office (x) at least one
                  Business Day's prior written notice (or telephonic notice
                  promptly confirmed in writing) of its intent to prepay Base
                  Rate Loans (or same day notice in the case of a prepayment of
                  Swingline Loans) and (y) at least three Business Days prior
                  written notice (or telephonic notice promptly confirmed in
                  writing) of its intent to prepay Eurodollar Loans, which
                  notice (in each case) shall specify whether Term Loans,
                  Revolving Loans or Swingline Loans shall be prepaid, the
                  amount of such prepayment and the Types of Loans to be prepaid
                  and, in the case of Eurodollar Loans, the specific Borrowing
                  or Borrowings pursuant to which made, and which notice the
                  Administrative Agent shall, except in the case of Swingline
                  Loans, promptly transmit to each of the Lenders;

                           (ii) each partial prepayment pursuant to this Section
                  5.1(a) shall be in an aggregate principal amount of at least
                  $5,000,000 for Eurodollar Loans, $500,000 for Base Rate Loans
                  other than Swingline Loans, and $100,000 for Swingline Loans,
                  provided that if any partial prepayment of Eurodollar Loans
                  made pursuant to any Borrowing shall reduce the outstanding
                  principal amount of Eurodollar Loans made pursuant to such
                  Borrowing to an amount less than the Minimum Borrowing Amount
                  applicable thereto, then such Borrowing may not be continued
                  as a Borrowing of Eurodollar Loans and any election of an
                  Interest Period with respect thereto given by the Borrower
                  shall have no force or effect;

                           (iii) each prepayment pursuant to this Section 5.1(a)
                  in respect of any Loans made pursuant to a Borrowing shall be
                  applied pro rata among such Loans, provided that at the
                  Borrower's election in connection with any prepayment of
                  Revolving Loans pursuant to this Section 5.1(a), such
                  prepayment shall not, so long as no Default or Event of
                  Default then exists, be applied to any Revolving Loan of a
                  Defaulting Lender; and

                           (iv) each prepayment of any Tranche of Term Loans
                  pursuant to this Section 5.1(a) shall be applied to reduce the
                  then remaining Term Loan

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         Scheduled Repayments of such Tranche of Term Loans in the inverse order
         of maturity.

                  Section 5.2 Mandatory Repayments and Commitment Reductions.

                  (a) OBLIGATIONS IN EXCESS OF COMMITMENTS. On any day on which
         the sum of (i) the aggregate outstanding principal amount of all
         Revolving Loans (after giving effect to all other repayments thereof on
         such date), (ii) the aggregate outstanding principal amount of all
         Swingline Loans (after giving effect to all other repayments thereof on
         such date) and (iii) the aggregate amount of all Letter of Credit
         Outstandings exceeds the Total Revolving Loan Commitment at such time,
         the Borrower shall prepay on such day the principal of Swingline Loans
         and, after all Swingline Loans have been repaid in full or if no
         Swingline Loans are outstanding, Revolving Loans in an amount equal to
         such excess. If, after giving effect to the prepayment of all
         outstanding Swingline Loans and Revolving Loans, the aggregate amount
         of the Letter of Credit Outstandings exceeds the Total Revolving Loan
         Commitment of such time, the Borrower shall pay to the Administrative
         Agent at the Payment Office on such day an amount of cash and/or Cash
         Equivalents equal to the amount of such excess (up to a maximum amount
         equal to the Letter of Credit Outstandings at such time), such cash
         and/or Cash Equivalents to be held as security for all obligations of
         the Borrower to the Issuing Lender and the Lenders hereunder in a cash
         collateral account to be established by the Administrative Agent.

                  (b) TERM LOANS. In addition to any other mandatory repayments
         pursuant to this Section 5.2, on (each date set forth below,) the
         Borrower shall be required to repay that principal amount of Term
         Loans, to the extent then outstanding, as is set forth opposite each
         such date below (each such repayment, as the same may be reduced as
         provided in Sections 5.1(a) and 5.2(g), a "Term Loan Scheduled
         Repayment"):

<TABLE>
<CAPTION>
                                          TERM LOAN
                                  SCHEDULED REPAYMENT DATE                                                   AMOUNT
        --------------------------------------------------------------------------------             ------------------------
<S>     <C>                                                                                          <C>
(i)     the last Business Day of the calendar quarter ending June 30, 2004, and the last                  $ 5,000,000
        Business Day of each calendar quarter thereafter to and including the calendar
        quarter ending March 31, 2005

(ii)    the last Business Day of the calendar quarter ending June 30,
        2005, and the last

        Business Day of each calendar quarter thereafter to and including the calendar                     $6,250,000
        quarter ending December 31, 2008

(iii)   on the Maturity Date                                                                         all remaining principal
</TABLE>

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                  (c) EQUITY ISSUANCE. In addition to any other mandatory
         repayments pursuant to this Section 5.2, on each date on or after the
         Closing Date upon which the Borrower or any of its Subsidiaries
         receives any cash proceeds from any capital contribution or any sale or
         issuance of its equity (other than cash proceeds received (i) from the
         issuance by the Borrower of shares of its common stock (including as a
         result of the exercise of any options with regard thereto), or options
         to purchase shares of its common stock, to officers, directors and
         employees of the Borrower or any of its Subsidiaries, in an aggregate
         amount not to exceed $500,000 in any fiscal year of the Borrower, or
         (ii) from equity contributions to any Subsidiary of the Borrower to the
         extent made by the Borrower or another Subsidiary of the Borrower), an
         amount equal to 50% of the Net Equity Proceeds of such capital
         contribution or sale or issuance of equity shall be applied on such
         date as a mandatory repayment of principal of outstanding Term Loans in
         accordance with the requirements of Sections 5.2(g) and (h).

                  (d) DEBT ISSUANCE. In addition to any other mandatory
         repayments pursuant to this Section 5.2, on each date on or after the
         Closing Date upon which the Borrower or any of its Subsidiaries
         receives any cash proceeds from any incurrence by the Borrower or any
         of its Subsidiaries of Indebtedness for borrowed money (other than
         Indebtedness for borrowed money permitted to be incurred pursuant to
         Section 10.4), an amount equal to 100% of the Net Debt Proceeds of each
         incurrence of Indebtedness shall be applied on such date as a mandatory
         repayment of principal of outstanding Term Loans in accordance with the
         requirements of Sections 5.2(g) and (h).

                  (e) ASSET SALES. In addition to any other mandatory repayments
         pursuant to this Section 5.2, on each date on or after the Closing Date
         upon which the Borrower or any of its Subsidiaries receives any cash
         proceeds from any Asset Sale, an amount equal to 100% of the Net Sale
         Proceeds therefrom shall be applied on such date as a mandatory
         repayment of principal of outstanding Term Loans in accordance with the
         requirements of Sections 5.2(g) and (h); provided that with respect to
         no more than $5,000,000 in the aggregate of cash proceeds from Asset
         Sales in any fiscal year of the Borrower, the Net Sale Proceeds
         therefrom shall not be required to be so applied on such date so long
         as no Default or Event of Default then exists and the Borrower has
         delivered a certificate to the Administrative Agent on or prior to such
         date stating that such Net Sale Proceeds shall be used to purchase
         assets used or to be used in the business permitted pursuant to Section
         10.13 (including, without limitation (but only to the extent permitted
         by Section 10.2), the purchase of the assets or 100% of the capital
         stock of a Person engaged in such businesses) within 180 days following
         the date of such Asset Sale (which certificate shall set forth the
         estimates of the proceeds to be so expended), and provided further,
         that if all or any portion of such Net Sale Proceeds not required to be
         applied to the repayment of outstanding Term Loans are not so
         reinvested within such 180-day period (or such earlier date, if any, as
         the Borrower determines not to reinvest the Net Sale Proceeds from such
         Asset Sale as set forth above), such remaining portion shall be applied
         on the last day

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         of such period (or such earlier date, as the case may be) as a
         mandatory repayment of principal of outstanding Term Loans as provided
         above in this Section 5.2(e) without regard to the preceding proviso.
         Notwithstanding the foregoing, Net Sale Proceeds of up to $7,000,000
         from the sale of the Borrower's property consisting of approximately
         25.7 acres, consisting of two parcels, located in Montebello, New York
         shall not be required to be applied to a mandatory prepayment of Term
         Loans pursuant to this Subsection (e).

                  (f) RECOVERY EVENT PROCEEDS. In addition to any other
         mandatory repayments pursuant to this Section 5.2, within 10 days
         following each date on or after the Closing Date upon which any Company
         receives any cash proceeds from any Recovery Event (other than Recovery
         Events in which the Net Recovery Event Proceeds therefrom do not exceed
         $100,000), an amount equal to 100% of the Net Recovery Event Proceeds
         from such Recovery Event shall be applied on such date as a mandatory
         repayment of principal of outstanding Term Loans in accordance with the
         requirements of Sections 5.2(g) and (h); provided that so long as no
         Default or Event of Default then exists, such Net Recovery Event
         Proceeds shall not be required to be so applied on such date to the
         extent that the Borrower has delivered a certificate to the
         Administrative Agent on or prior to such date stating that such Net
         Recovery Event Proceeds shall be used to replace or restore any
         properties or assets in respect of which such Net Recovery Event
         Proceeds were paid within 180 days following the date of the receipt of
         such Net Recovery Event Proceeds (which certificate shall set forth the
         estimates of the Net Recovery Event Proceeds to be so expended), and
         provided further, that (i) if the amount of such Net Recovery Event
         Proceeds exceeds $2,500,000, then the entire amount of such Net
         Recovery Event Proceeds (and not just the portion of such Net Recovery
         Event Proceeds in excess of $2,500,000) shall be deposited with the
         Administrative Agent pursuant to a cash collateral arrangement
         reasonably satisfactory to the Administrative Agent whereby such
         proceeds shall be disbursed to the Borrower from time to time as needed
         to pay actual costs incurred by it or its applicable Subsidiary in
         connection with the replacement or restoration of the respective
         properties or assets (pursuant to such certification requirements as
         may be reasonably required by the Administrative Agent, including
         certifications to the effect that (x) no Default or Event of Default
         then exists and (y) the Borrower or its applicable Subsidiary has
         actually incurred such costs (which certification shall be accompanied
         by any paid invoices or invoices required to be paid within 5 Business
         Days thereafter)), although at any time while an Event of Default
         exists, the Required Lenders may direct the Administrative Agent (in
         which case the Administrative Agent shall, and is hereby authorized by
         the Borrower to, follow said directions) to apply any or all proceeds
         then on deposit in such collateral account to the repayment of
         Obligations hereunder, and (ii) if all or any portion of such Net
         Recovery Event Proceeds not required to be applied to the repayment of
         outstanding Term Loans pursuant to the preceding proviso are not so
         used within 180 days after the date of the receipt of such Net Recovery
         Event Proceeds (or such earlier date, if any, as the Borrower
         determines not to reinvest the Net Recovery Event Proceeds relating to
         such Recovery Event as set forth above), such remaining portion shall
         be applied on the

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         last day of such period (or such earlier date, as the case may be) as a
         mandatory repayment of principal of outstanding Term Loans as provided
         above in this Section 5.2(g) without regard to the preceding proviso.

                  (g) PRO RATA APPLICATION OF MANDATORY REPAYMENT. Each amount
         required to be applied to the outstanding Term Loans pursuant to
         Sections 5.2(c), (d), (e) and (f) shall be applied to reduce the then
         remaining Term Loan Scheduled Repayments in the inverse order of
         maturity.

                  (h) APPLICATIONS TO TYPES OF LOANS. With respect to each
         repayment of Loans required by this Section 5.2, the Borrower may
         designate the Types of Loans of the respective Tranche which are to be
         repaid and, in the case of Eurodollar Loans, the specific Borrowing or
         Borrowings of the respective Tranche pursuant to which made, provided
         that: (i) repayments of Eurodollar Loans pursuant to this Section 5.2
         may only be made on the last day of an Interest Period applicable
         thereto unless all Eurodollar Loans of the respective Tranche with
         Interest Periods ending on such date of required repayment and all Base
         Rate Loans of the respective Tranche have been paid in full; (ii) if
         any repayment of Eurodollar Loans made pursuant to a single Borrowing
         shall reduce the outstanding Eurodollar Loans made pursuant to such
         Borrowing to an amount less than the Minimum Borrowing Amount
         applicable thereto, such Borrowing shall be converted at the end of the
         then current Interest Period into a Borrowing of Base Rate Loans; and
         (iii) each repayment of any Loans made pursuant to a Borrowing shall be
         applied pro rata among such Loans. In the absence of a designation by
         the Borrower as described in the preceding sentence, the Administrative
         Agent shall, subject to the above, make such designation in its sole
         discretion.

                  (i) REVOLVING LOANS. Upon the payment in full of all Term
         Loans, 50% of all Net Equity Proceeds, 100% of all Net Debt Proceeds
         and 100% of all cash proceeds from any Asset Sale (except as provided
         in Section 5.2(e)), which in each case before repayment of the Term,
         Loans would be required to be applied to the repayment thereof, shall
         be forthwith applied to the mandatory repayment of the Revolving Loans.
         Concurrent with such application, the Total Revolving Loan Commitment
         shall be reduced by a like amount.

                  (j) MATURITY DATE; CHANGE OF CONTROL. Notwithstanding anything
         to the contrary contained in this Agreement or in any other Credit
         Document, (i) all then outstanding Loans of any Tranche shall be repaid
         in full on the respective Maturity Date for such Tranche of Loans and
         (ii) unless the Required Lenders otherwise agree, all then outstanding
         Loans shall be repaid in full on the date on which a Change of Control
         occurs.

                  Section 5.3 Method and Place of Payment. Except as otherwise
specifically provided herein, all payments under this Agreement or under any
Note shall be made to the Administrative Agent for the account of the Lender or
Lenders entitled thereto not later than

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11:00 A.M. on the date when due and shall be made in Dollars in immediately
available funds at the Payment Office. Whenever any payment to be made hereunder
or under any Note shall be stated to be due on a day which is not a Business
Day, the due date thereof shall be extended to the next succeeding Business Day
and, with respect to payments of principal, interest shall be payable at the
applicable rate during such extension.

                  Section 5.4 Net Payments.

                  (a) PAYMENTS NET OF TAXES. All payments made by the Borrower
         hereunder or under any Note will be made without setoff, counterclaim
         or other defense. Except as provided in Section 5.4(b), all such
         payments will be made free and clear of, and without deduction or
         withholding for, any present or future taxes, levies, imposts, duties,
         fees, assessments or other charges of whatever nature now or hereafter
         imposed by any jurisdiction or by any political subdivision or taxing
         authority thereof or therein with respect to such payments (but
         excluding, except as provided in the second succeeding sentence, any
         tax imposed on or measured by the net income or profits of a Lender
         pursuant to the laws of the jurisdiction in which it is organized or
         the jurisdiction in which the principal office or applicable lending
         office of such Lender is located or any subdivision thereof or therein)
         and all interest, penalties or similar liabilities with respect to such
         non-excluded taxes, levies, imposts, duties, fees, assessments or other
         charges (all such non-excluded taxes, levies, imposts, duties, fees,
         assessments or other charges being referred to collectively as
         "Taxes"). If any Taxes are so levied or imposed, the Borrower agrees to
         pay the full amount of such Taxes, and such additional amounts as may
         be necessary so that every payment of all amounts due under this
         Agreement or under any Note, after withholding or deduction for or on
         account of any Taxes, will not be less than the amount provided for
         herein or in such Note. If any amounts are payable in respect of Taxes
         pursuant to the preceding sentence, the Borrower agrees to reimburse
         each Lender, upon the written request of such Lender, for taxes imposed
         on or measured by the net income or profits of such Lender pursuant to
         the laws of the jurisdiction in which such Lender is organized or in
         which the principal office or applicable lending office of such Lender
         is located or under the laws of any political subdivision or taxing
         authority of any such jurisdiction in which such Lender is organized or
         in which the principal office or applicable lending office of such
         Lender is located and for any withholding of taxes as such Lender shall
         determine are payable by, or withheld from, such Lender, in respect of
         such amounts so paid to or on behalf of such Lender pursuant to the
         preceding sentence and in respect of any amounts paid to or on behalf
         of such Lender pursuant to this sentence. The Borrower will furnish to
         the Administrative Agent within 45 days after the date the payment of
         any Taxes is due pursuant to applicable law certified copies of tax
         receipts evidencing such payment by the Borrower. The Borrower agrees
         to indemnify and hold harmless each Lender, and reimburse such Lender
         upon its written request, for the amount of any Taxes so levied or
         imposed and paid by such Lender.

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                  (b) IRS FORMS TO BE DELIVERED BY LENDERS. Each Lender that is
         not a United States person (as such term is defined in Section
         7701(a)(30) of the Code) for U.S. Federal income tax purposes agrees to
         deliver to the Borrower and the Administrative Agent on or prior to the
         Closing Date or, in the case of a Lender that is an assignee or
         transferee of an interest under this Agreement pursuant to Section 2.13
         or 13.4(b) (unless the respective Lender was already a Lender hereunder
         immediately prior to such assignment or transfer), on the date of such
         assignment or transfer to such Lender, (i) two accurate and complete
         original signed copies of Internal Revenue Service Form W-8ECI or Form
         W-8BEN (with respect to a complete exemption under an income tax
         treaty) (or successor forms) certifying to such Lender's entitlement as
         of such date to a complete exemption from United States withholding tax
         with respect to payments to be made under this Agreement and under any
         Note, or (ii) if the Lender is not a "bank" within the meaning of
         Section 881(c)(3)(A) of the Code and cannot deliver either Internal
         Revenue Service Form W-8ECI or Form W-8BEN (with respect to a complete
         exemption under an income tax treaty) (or any successor forms) pursuant
         to clause (i) above, (A) a certificate substantially in the form of
         Exhibit F (any such certificate, a "Section 5.4(b)(ii) Certificate")
         and (B) two accurate and complete original signed copies of Internal
         Revenue Service Form W-8BEN (with respect to the portfolio interest
         exemption) (or successor form) certifying to such Lender's entitlement
         as of such date to a complete exemption from United States withholding
         tax with respect to payments of interest to be made under this
         Agreement and under any Note. In addition, each Lender agrees that from
         time to time after the Closing Date, when a lapse in time or change in
         circumstances renders the previous certification obsolete or inaccurate
         in any material respect, such Lender will deliver to the Borrower and
         the Administrative Agent two new accurate and complete original signed
         copies of Internal Revenue Service Form W-8ECI, Form W-8BEN (with
         respect to the benefits of any income tax treaty), Form W-8BEN (with
         respect to the portfolio interest exemption) and a Section 5.4(b)(ii)
         Certificate, as the case may be, and such other forms as may be
         required in order to confirm or establish the entitlement of such
         Lender to a continued exemption from or reduction in United States
         withholding tax with respect to payments under this Agreement and any
         Note, or such Lender shall immediately notify the Borrower and the
         Administrative Agent of its inability to deliver any such Form or
         Certificate, in which case such Lender shall not be required to deliver
         any such Form or Certificate pursuant to this Section 5.4(b).

                  (c) BORROWER'S RIGHT TO WITHHOLD TAXES. Notwithstanding
         anything to the contrary contained in Section 5.4(a), but subject to
         Sections 5.4(b) and 13.4(b), (i) the Borrower shall be entitled, to the
         extent it is required to do so by law, to deduct or withhold income or
         similar taxes imposed by the United States (or any political
         subdivision or taxing authority thereof or therein) from interest, Fees
         or other amounts payable hereunder for the account of any Lender which
         is not a United States person (as such term is defined in Section
         7701(a)(30) of the Code) for U.S. Federal income tax purposes to the
         extent that such Lender has not provided to the Borrower U.S. Internal
         Revenue Service Forms that establish a complete exemption from such

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         deduction or withholding and (ii) the Borrower shall not be obligated
         pursuant to Section 5.4(a) to gross-up payments to be made to a Lender
         in respect of income or similar taxes imposed by the United States if
         (A) such Lender has not provided to the Borrower the Internal Revenue
         Service Forms required to be provided to the Borrower pursuant to
         Section 5.4(b) or (B) in the case of a payment, other than interest, to
         a Lender described in Section 5.4(b)(ii), to the extent that such Forms
         do not establish a complete exemption from withholding of such taxes.

                  (d) CHANGE IN TAX LAWS. Subject to Section 5.4 and except as
         set forth in Section 13.4(b), the Borrower further agrees to pay any
         additional amounts and to indemnify each Lender in the manner set forth
         in Section 5.4(a) (without regard to the identity of the jurisdiction
         requiring the deduction or withholding) in respect of any Taxes
         deducted or withheld by it as described in subsection (c) as a result
         of any changes that are effective after the Closing Date in any
         applicable law, treaty, governmental rule, regulation, guideline or
         order, or in the interpretation thereof, relating to the deducting or
         withholding of such Taxes.

                                   ARTICLE VI

                      CONDITIONS PRECEDENT TO CREDIT EVENTS

                  Section 6.1 Closing Date. This Agreement shall become
effective as of the date (the "Closing Date") on which each of the following
conditions shall have been satisfied:

                  (a) the Borrower, the Administrative Agent and each of the
         Lenders shall have signed a counterpart hereof (whether the same or
         different counterparts) and shall have delivered the same to the
         Administrative Agent at the Notice Office or, in the case of the
         Lenders, shall have given to the Administrative Agent telephonic
         (confirmed in writing), written or telex notice (actually received) at
         such office that the same has been signed and mailed to it, and

                  (b) the Administrative Agent shall have determined that it has
         received evidence, in form and substance reasonably satisfactory to it,
         that the conditions set forth in Sections 6.2 through 6.20, inclusive,
         have been satisfied (except for such conditions (i) which in the
         Administrative Agent's determination are not sufficiently material to
         justify a delay in closing and (ii) as to which the Borrower has given
         written assurances to the Administrative Agent that such conditions
         shall be satisfied within thirty days, it being expressly understood
         and Borrower agrees that failure to timely satisfy such conditions
         constitutes an Event of Default).

                  Section 6.2 Disclosure Letter; Notes. The Borrower shall cause
the Lenders to receive an executed copy of the Disclosure Letter, dated the
Closing Date, which shall be in form and substance satisfactory to the
Administrative Agent and the Required Lenders, and there shall have been
delivered to the Administrative Agent for the account of each of the Lenders
that has requested same the appropriate Term Note and/or Revolving Note executed

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by the Borrower and to the extent requested by the Swingline Lender, the
Swingline Note executed by the Borrower, in each case, in the amount, maturity
and as otherwise provided herein.

                  Section 6.3 Officer's Certificate. The Borrower shall cause
the Administrative Agent to receive a certificate, dated the Closing Date and
signed on behalf of the Borrower by the Chairman of the Board, the President,
the Chief Financial Officer, any Vice President, or the Secretary of the
Borrower, certifying on behalf of the Borrower that all of the conditions in
Sections 6.7, 6.8, 6.9 and 7.1 have been satisfied on such date (although no
such certification shall be required to the extent that any determination to be
made under any such Section is to be made by the Administrative Agent or any
Lender).

                  Section 6.4 Opinion of Counsel. The Borrower shall cause the
Administrative Agent to receive from Robins Kaplan Miller & Ciresi LLP, special
counsel to the Borrower, an opinion addressed to the Administrative Agent, the
Collateral Agent and each of the Lenders and dated the Closing Date in such form
and covering such matters as the Administrative Agent may reasonably request,
dated the Closing Date.

                  Section 6.5 Corporate Documents; Proceedings; etc.

                  (a) The Borrower shall cause the Administrative Agent to
         receive a certificate from each Credit Party, dated the Closing Date,
         signed by the Secretary or any Assistant Secretary of such Credit
         Party, in the form of Exhibit G with appropriate insertions, together
         with copies of the certificate of incorporation and by-laws (or
         equivalent organizational documents) of such Credit Party and the
         resolutions of such Credit Party referred to in such certificate, and
         each of the foregoing shall be in form and substance reasonably
         acceptable to the Administrative Agent.

                  (b) All corporate, partnership and limited liability company
         and legal proceedings and all instruments and agreements in connection
         with the transactions contemplated by this Agreement and the other
         Credit Documents shall be reasonably satisfactory in form and substance
         to the Administrative Agent and the Required Lenders, and the
         Administrative Agent shall have received all information and copies of
         all documents and papers, including records of corporate proceedings,
         governmental approvals, good standing certificates and bring-down
         telegrams or facsimiles, if any, which the Administrative Agent
         reasonably may have requested in connection therewith, such documents
         and papers where appropriate to be certified by proper corporate or
         governmental authorities.

                  Section 6.6 Plans; Shareholders' Agreements; Employment
Agreements. The Borrower shall cause the Administrative Agent to receive true
and correct copies of the following documents:

                  (a) EMPLOYEE BENEFIT PLANS - all Plans (and for each Plan that
         is required to file an annual report on Internal Revenue Service Form
         5500-series, a copy of the

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         most recent such report (including, to the extent required, the related
         financial and actuarial statements and opinions and other supporting
         statements, certifications, schedules and information), and for each
         Plan that is subject to Title IV of ERISA and that is a
         "single-employer plan," as defined in Section 4001(a)(15) of ERISA, the
         most recently prepared actuarial valuation therefor); provided that,
         the foregoing shall apply in the case of any multiemployer plan, as
         defined in Section 4001(a)(3) of ERISA, only to the extent that any
         document described therein is in the possession of the Borrower, any
         Subsidiary of the Borrower or any ERISA Affiliate or reasonably
         available thereto from the sponsor or trustee of any such Plan
         ("Employee Benefit Plans");

                  (b) SHAREHOLDER AGREEMENTS - all agreements entered into by
         the Borrower or any of its Subsidiaries governing the terms and
         relative rights of its capital stock and any agreements entered into by
         its shareholders relating to any such entity with respect to its
         capital stock (collectively, the "Shareholders' Agreements");

                  (c) EMPLOYMENT AGREEMENTS - all material employment agreements
         entered into by the Borrower or any of its Subsidiaries (collectively,
         the "Employment Agreements");

all of which Employee Benefit Plans, Shareholders' Agreements, and Employment
Agreements shall be in full force and effect on the Closing Date.

                  Section 6.7 Fee Payment. The Borrower shall have paid all fees
and expenses to be paid by the Borrower under the Credit Documents in
conjunction with the execution and delivery of this Agreement.

                  Section 6.8 Adverse Change, etc.

                  (a) Nothing shall have occurred (and neither the
         Administrative Agent nor any Lender shall have become aware of any
         facts or conditions not previously known) which the Administrative
         Agent or the Required Lenders shall reasonably determine has had, or
         could reasonably be expected to have, a Material Adverse Effect.

                  (b) All necessary governmental (domestic and foreign) and
         third party approvals and/or consents in connection with the
         transactions contemplated by the Credit Documents and otherwise
         referred to herein or therein shall have been obtained and remain in
         effect, and all applicable waiting periods with respect thereto shall
         have expired without any action being taken by any competent authority
         which restrains, prevents or imposes materially adverse conditions upon
         the consummation of the transactions contemplated by the Credit
         Documents or otherwise referred to herein or therein. Additionally,
         there shall not exist any judgment, order, injunction or other
         restraint issued or filed or a hearing seeking injunctive relief or
         other restraint pending or notified prohibiting or imposing materially
         adverse conditions upon the transactions contemplated by the Credit
         Documents or otherwise referred to herein or therein.

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                  Section 6.9 Litigation. There shall be no actions, suits or
proceedings pending or threatened (i) with respect to this Agreement or any
other Credit Document or (ii) which the Administrative Agent or the Required
Lenders shall reasonably determine could reasonably be expected to have a
Material Adverse Effect.

                  Section 6.10 Pledge Agreement. Each Credit Party shall have
duly authorized, executed and delivered to the Collateral Agent, the Pledge
Agreement and all of the Pledge Agreement Collateral, if any, referred to
therein and then owned by such Credit Party, endorsed in blank in the case of
promissory notes constituting Pledge Agreement Collateral and together with
executed and undated stock powers in the case of capital stock constituting
Pledge Agreement Collateral.

                  Section 6.11 Security Agreement. Each Credit Party shall have
duly authorized, executed and delivered to the Collateral Agent the Security
Agreement covering all of such Credit Party's present and future Security
Agreement Collateral.

                  Section 6.12 Defeasance of Indenture. On or before the Closing
Date, the Borrower shall have notified the Indenture Trustee that it intends to
satisfy all Indenture Indebtedness and shall have delivered to the Trustee the
opinion of independent public accountants as to the amount of the Indenture
Indebtedness described in Section 8.03(a) of the Indenture.

                  Section 6.13 Indenture Indebtedness. On or before the Closing
Date, the Administrative Agent shall have received: (i) evidence of the amount
necessary to redeem all issued and outstanding notes evidencing the Borrower's
obligation to pay the Indenture Indebtedness; (ii) an instruction from the
Borrower to pay such amount to the Indenture Trustee on the Closing Date, and
(iii) evidence that the Borrower has instructed the Indenture Trustee to redeem
all such notes.

                  Section 6.14 Mortgages. The Borrower shall have duly
authorized, executed and delivered the Mortgages in appropriate form for
recording, with respect to the properties located in Omaha, Nebraska, Carter
Lake, Iowa and Marshfield, Wisconsin, together with:

                  (a) funds sufficient to pay any filing or recording tax or fee
         in connection with any and all UCC-1 financing statements and the
         Mortgages;

                  (b) with respect to each Mortgaged Property, an ALTA Loan
         Policy 1970 (10-17-70) (or other form acceptable to the Collateral
         Agent and the Lenders) mortgagee policy of title insurance or a binder
         issued by a title insurance company satisfactory to the Collateral
         Agent and the Lenders insuring (or undertaking to insure, in the case
         of a binder) that the Mortgage creates and constitutes a valid first
         Lien against the Mortgaged Property in favor of the Collateral Agent,
         subject only to exceptions acceptable to the Collateral Agent and the
         Lenders, with such endorsements and affirmative insurance as the
         Collateral Agent or any Lender may reasonably request;

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                  (c) evidence that the Collateral Agent has been named as
         lender loss payee under all policies of casualty insurance, and as
         additional insured under all policies of liability insurance, required
         by the Mortgage;

                  (d) evidence that the Mortgaged Properties are covered by
         flood insurance and earthquake insurance on terms satisfactory to the
         Collateral Agent and the Lenders;

                  (e) current ALTA surveys and surveyor's certification as to
         all real property and all land covered by a lease in respect of which
         there is delivered a Mortgage, or as may be reasonably required by the
         Collateral Agent, each in form and substance satisfactory to the
         Collateral Agent and the Lenders;

                  (f) proof of payment of all title insurance premiums,
         documentary stamp or intangible taxes, recording fees and mortgage
         taxes payable in connection with the recording of any Mortgage or the
         issuance of the title insurance policies (whether due on the Closing
         Date or in the future) including sums due in connection with any future
         advances;

                  (g) such consents, estoppels, subordination agreements and
         other documents and instruments executed by landlords, tenants and
         other Persons party to material contracts relating to any Collateral as
         to which the Collateral Agent shall be granted a Lien for the benefit
         of the Lenders, as requested by the Collateral Agent or any Lender; and

                  (h) evidence that all other actions necessary or, in the
         opinion of the Collateral Agent or the Lenders, desirable to perfect
         and protect the first priority Lien created by the Mortgages, and to
         enhance the Collateral Agent's ability to preserve and protect its
         interests in and access to the Collateral, have been taken;

                  Section 6.15 Evidence of Perfection, etc. The Administrative
Agent shall have received the following:

                  (a) evidence that financing statements naming each Credit
         Party as debtor and the Collateral Agent as secured party have been
         filed in all appropriate filing offices as may be necessary or, in the
         reasonable opinion of the Collateral Agent, desirable to perfect the
         security interests purported to be created by the Security Agreement
         and the Mortgages;

                  (b) evidence that no financing statement naming any Company as
         debtor is of record except with respect to Permitted Liens or in
         respect of which the Collateral Agent shall have received termination
         statements or the authority to file termination statements upon
         satisfaction of a Company's obligations to be satisfied on the Closing
         Date;

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                  (c) to the extent the Collateral Agent shall request, duly
         executed Control Agreements with respect to any Collateral in which a
         security interest therein is perfected by control under the UCC; and

                  (d) evidence that all other actions necessary or, in the
         reasonable opinion of the Collateral Agent, desirable to perfect and
         protect the security interests purported to be created by the Security
         Agreement have been taken.

                  Section 6.16 Subsidiaries' Guaranty. Each Subsidiary Guarantor
shall have duly authorized, executed and delivered to the Collateral Agent the
Subsidiaries' Guaranty.

                  Section 6.17 Insurance Policies. The Administrative Agent
shall have received standard lenders' loss payable endorsements with respect to
the insurance policies or other instruments or documents evidencing insurance
coverage on the properties of the Credit Parties in accordance with Section 9.3.

                  Section 6.18 Financial Statements; Projections. The
Administrative Agent shall have received true and correct copies of (i) the
financial statements referred to in Section 8.5(a), (ii) the Projections
referred to in Sections 8.5(d), and (iii) the internally prepared consolidated
and consolidating financial statements for the fiscal year ended December 31,
2003, all of which financial statements and Projections shall be in form and
substance reasonably satisfactory to the Administrative Agent and the Required
Lenders.

                  Section 6.19 Solvency Certificate; Insurance Certificates. On
or prior to the Closing Date, the Administrative Agent shall have received the
following dated the Closing Date:

                  (a) a solvency certificate from the chief financial officer of
         the Borrower in the form of Exhibit H; and

                  (b) certificates of insurance complying with the requirements
         of Section 9.3 for the business and properties of the Borrower and its
         Subsidiaries, in form and substance reasonably satisfactory to the
         Administrative Agent and naming the Collateral Agent as an additional
         insured and as lender loss payee, and stating that such insurance shall
         not be canceled without at least 30 days prior written notice by the
         insurer to the Collateral Agent.

                  Section 6.20 Fees, etc. On or prior to the Closing Date, the
Borrower shall have paid to the Administrative Agent as arranger ("Arranger")
all costs, fees and expenses (including, without limitation, legal fees and
expenses) payable to the Administrative Agent and the Arranger to the extent
then due.

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                                   ARTICLE VII

                   CONDITIONS PRECEDENT TO ALL CREDIT EVENTS.

                  The obligation of each Lender to make Loans (including Loans
made on the Closing Date), and the obligation of the Issuing Lender to issue
Letters of Credit, is subject, at the time of each such Credit Event (except as
hereinafter indicated), to the satisfaction of the following conditions:

                  Section 7.1 No Default; Representations and Warranties. At the
time of each such Credit Event and also after giving effect thereto (i) there
shall exist no Default or Event of Default and (ii) all representations and
warranties contained herein and in the other Credit Documents shall be true and
correct in all material respects with the same effect as though such
representations and warranties had been made on the date of such Credit Event
(it being understood and agreed that any representation or warranty which by its
terms is made as of a specified date shall be required to be true and correct in
all material respects only as of such specified date).

                  Section 7.2 Notice of Borrowing; Letter of Credit Request.

                  (a) Prior to the making of each Loan (other than a Swingline
         Loan or a Revolving Loan made pursuant to a Mandatory Borrowing), the
         Administrative Agent shall have received a Notice of Borrowing meeting
         the requirements of Section 2.3(a). Prior to the making of each
         Swingline Loan, the Swingline Lender shall have received the notice
         referred to in Section 2.3(b)(i).

                  (b) Prior to the issuance of each Letter of Credit, the
         Administrative Agent and the Issuing Lender shall have received a
         Letter of Credit Request meeting the requirements of Section 3.3(a).

The acceptance of the benefits of each Credit Event shall constitute a
representation and warranty by the Borrower to the Administrative Agent and each
of the Lenders that all the conditions specified in Article VI (with respect to
Credit Events on the Closing Date) and in this Article VII (with respect to
Credit Events on or after the Closing Date) and applicable to such Credit Event
exist as of that time. All of the Notes, certificates, legal opinions and other
documents and papers referred to in Article VI and in this Article VII, unless
otherwise specified, shall be delivered to the Administrative Agent at the
Notice Office for the account of each of the Lenders and, except for the Notes,
in sufficient counterparts or copies for each of the Lenders and shall be in
form and substance reasonably satisfactory to the Administrative Agent and the
Required Lenders.

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                                  ARTICLE VIII

                   REPRESENTATIONS, WARRANTIES AND AGREEMENTS.

                  In order to induce the Lenders to enter into this Agreement
and to make the Loans, and issue (or participate in) the Letters of Credit as
provided herein, the Borrower makes the following representations, warranties
and agreements all of which shall survive the execution and delivery of this
Agreement and the Notes and the making of the Loans and the issuance of the
Letters of Credit, with the occurrence of each Credit Event on or after the
Closing Date being deemed to constitute a representation and warranty that the
matters specified in this Article VIII are true and correct in all material
respects on and as of the Closing Date and on the date of each such other Credit
Event (it being understood and agreed that any representation or warranty which
by its terms is made as of a specified date shall be required to be true and
correct in all material respects only as of such specified date).

                  Section 8.1 Organizational Status. Each Company (other than an
Inactive Subsidiary) (i) is a duly organized and validly existing corporation,
partnership or limited liability company, as the case may be, in good standing
under the laws of the jurisdiction of its organization, (ii) has the corporate,
partnership or limited liability company power and authority, as the case may
be, to own its property and assets and to transact the business in which it is
engaged and presently proposes to engage and (iii) is duly qualified and is
authorized to do business and is in good standing in each jurisdiction where the
ownership, leasing or operation of its property or the conduct of its business
requires such qualifications except for failures to be so qualified which,
either individually or in the aggregate, could not reasonably be expected to
have a Material Adverse Effect.

                  Section 8.2 Power and Authority. Each Credit Party has the
corporate, partnership or limited liability company power and authority, as the
case may be, to execute, deliver and perform the terms and provisions of each of
the Credit Documents to which it is party and has taken all necessary corporate,
partnership or limited liability company action, as the case may be, to
authorize the execution, delivery and performance by it of each of such Credit
Documents. Each Credit Party has duly executed and delivered each of the Credit
Documents to which it is party, and each of such Credit Documents constitutes
its legal, valid and binding obligation enforceable in accordance with its
terms, except to the extent that the enforceability thereof may be limited by
applicable bankruptcy, insolvency, reorganization, moratorium or other similar
laws generally affecting creditors' rights and by equitable principles
(regardless of whether enforcement is sought in equity or at law).

                  Section 8.3 No Violation. Neither the execution, delivery or
performance by any Credit Party of the Credit Documents to which it is a party,
nor compliance by it with the terms and provisions thereof, (i) will contravene
any provision of any law, statute, rule or regulation or any order, writ,
injunction or decree of any court or governmental instrumentality, (ii) will
conflict with or result in any breach of any of the terms, covenants, conditions
or provisions of, or constitute a default under, or result in the creation or
imposition of (or the obligation to create or impose) any Lien (except pursuant
to the

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Security Documents) upon any of the property or assets of any Credit Party
pursuant to the terms of, any indenture, mortgage, deed of trust, credit
agreement or loan agreement, or any other material agreement, contract or
instrument, in each case to which a Credit Party is a party or by which it or
any of its property or assets is bound or to which it may be subject or (iii)
will violate any provision of the certificate or articles of incorporation or
by-laws (or equivalent organizational documents) of any Credit Party.

                  Section 8.4 Approvals. No order, consent, approval, license,
authorization or validation of, or filing, recording or registration with
(except for (a) the filing of financing statements and Mortgages to perfect the
security interest created under the Security Agreement and the Mortgages, as
applicable, and (b) those that have otherwise been obtained or made on or prior
to the Closing Date and which remain in full force and effect on the Closing
Date), or exemption by, any governmental or public body or authority, or any
subdivision thereof, is required to authorize, or is required in connection
with, (i) the execution, delivery and performance of any Credit Document or (ii)
the legality, validity, binding effect or enforceability of any such Credit
Document.

                  Section 8.5 Financial Statements; Financial Condition;
Undisclosed Liabilities; Projections; etc.

                  (a) AUDITED FINANCIAL STATEMENTS.

                           (i) The audited consolidated balance sheets of the
                  Borrower for its fiscal years ended on December 31, 2001, 2002
                  and 2003, and the related audited consolidated statements of
                  income, cash flows and shareholders' equity of the Borrower
                  for the fiscal years ended on such dates, as the case may be,
                  copies of which have been furnished to the Lenders prior to
                  the Closing Date, present fairly in all material respects the
                  consolidated financial position of the Borrower at the dates
                  of such balance sheets and the consolidated results of the
                  operations of the Borrower for the periods covered thereby.
                  All of the foregoing financial statements have been prepared
                  in accordance with GAAP consistently applied.

                           (ii) Since December 31, 2003, there has been no
                  change in the business, operations, property, assets,
                  liabilities, condition (financial or otherwise) or prospects
                  of any Company that has had, or could reasonably be expected
                  to have, either individually or in the aggregate, a Material
                  Adverse Effect.

                  (b) SOLVENCY. On and as of the Closing Date and after giving
         effect to all Indebtedness (including the Loans) being incurred or
         assumed and Liens created by the Credit Parties in connection therewith
         (i) the sum of the assets, at a fair valuation, of each of the Borrower
         on a stand-alone basis and the Companies taken as a whole will exceed
         its debts; (ii) none of the Borrower on a stand-alone basis or the
         Companies taken as a whole has incurred, intends to incur, or believes
         that it will incur, debts beyond its ability to pay such debts as they
         mature; and (iii) each of the

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         Borrower on a stand-alone basis and the Companies taken as a whole will
         have sufficient capital with which to conduct its business. For
         purposes of this Section 8.5(b), "debt" means any liability on a claim,
         and "claim" means (a) right to payment, whether or not such a right is
         reduced to judgment, liquidated, unliquidated, fixed, contingent,
         matured, unmatured, disputed, undisputed, legal, equitable, secured, or
         unsecured or (b) right to an equitable remedy for breach of performance
         if such breach gives rise to a payment, whether or not such right to an
         equitable remedy is reduced to judgment, fixed, contingent, matured,
         unmatured, disputed, undisputed, secured or unsecured. The amount of
         contingent liabilities at any time shall be computed as the amount
         that, in the light of all the facts and circumstances existing at such
         time, represents the amount that can reasonably be expected to become
         an actual or matured liability.

                  (c) NO OTHER LIABILITIES. Except as fully disclosed in the
         financial statements delivered pursuant to Section 8.5(a), there were
         as of the Closing Date no liabilities or obligations with respect to
         any Company of any nature whatsoever (whether absolute, accrued,
         contingent or otherwise and whether or not due) which, either
         individually or in the aggregate, could reasonably be expected to be
         material to the Companies taken as a whole. As of the Closing Date, the
         Borrower does not know of any basis for the assertion against it or any
         of its Subsidiaries of any liability or obligation of any nature
         whatsoever that is not fully disclosed in the financial statements
         delivered pursuant to Section 8.5(a) which, either individually or in
         the aggregate, could reasonably be expected to be material to the
         Companies taken as a whole.

                  (d) PROJECTIONS. On and as of the Closing Date, the
         Projections delivered to the Administrative Agent and the Lenders prior
         to the Closing Date have been prepared in good faith and are based on
         reasonable assumptions, and there are no statements or conclusions in
         the Projections which are based upon or include information known to
         the Borrower to be misleading in any material respect or which fail to
         take into account material information known to the Borrower regarding
         the matters reported therein. On the Closing Date, the Borrower
         believes that the Projections are reasonable and attainable, it being
         recognized by the Lenders, however, that projections as to future
         events are not to be viewed as facts and that the actual results during
         the period or periods covered by the Projections may differ from the
         projected results and that the differences may be material.

                  Section 8.6 Litigation. There are no actions, suits or
proceedings pending or, to the best knowledge of the Borrower, threatened (i)
with respect to any Credit Documents, (ii) with respect to any material
Indebtedness of any Company or (iii) that are, either individually or in the
aggregate, reasonably likely to have a Material Adverse Effect.

                  Section 8.7 True and Complete Disclosure. All factual
information (taken as a whole) furnished by or on behalf of the Borrower in
writing to the Administrative Agent or any Lender (including, without
limitation, all information contained in the Credit

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Documents) for purposes of or in connection with this Agreement, the other
Credit Documents or any transaction contemplated herein or therein is, and all
other such factual information (taken as a whole) hereafter furnished by or on
behalf of the Borrower in writing to the Administrative Agent or any Lender will
be, true and accurate in all material respects on the date as of which such
information is dated or certified and not incomplete by omitting to state any
fact necessary to make such information (taken as a whole) not misleading in any
material respect at such time in light of the circumstances under which such
information was provided.

                  Section 8.8 Use of Proceeds; Payment to Indenture Trustee;
Margin Regulations.

                  (a) USE OF PROCEEDS. Except as set forth in Subsection (b),
         all proceeds of the Loans will be used by the Borrower (i) to satisfy
         all Indebtedness other than Permitted Indebtedness, (ii) to pay fees
         and expenses related to the preparation, negotiation, execution and
         delivery of the Credit Documents, for working capital and Capital
         Expenditures, (iii) to finance Permitted Acquisitions, (iv) to finance
         Restricted Payments, and (v) for other lawful corporate purposes.

                  (b) PAYMENT TO INDENTURE TRUSTEE. On the Closing Date, the
         Borrower shall instruct the Administrative Agent to pay to the
         Indenture Trustee $32,483,724.73 of the proceeds of the Loans made on
         the Closing Date in order to redeem all notes evidencing the Borrower's
         obligation to pay the Indenture Indebtedness in accordance with Article
         3 of the Indenture and Section 6.12.

                  (c) MARGIN REGULATIONS. No part of any Credit Event (or the
         proceeds thereof) will be used to purchase or carry any Margin Stock or
         to extend credit for the purpose of purchasing or carrying any Margin
         Stock. Neither the making of any Loan nor the use of the proceeds
         thereof nor the occurrence of any other Credit Event will violate or be
         inconsistent with the provisions of Regulation T, U or X of the Board
         of Governors of the Federal Reserve System.

                  Section 8.9 Tax Returns and Payments. Each Company has filed
all federal and state income tax returns and all other material tax returns,
domestic and foreign, required to be filed by it and has paid all taxes and
assessments payable by it which have become due, except for immaterial taxes and
assessments and for those contested in good faith and adequately disclosed and
fully provided for on the financial statements of the Companies in accordance
with GAAP. Each Company has at all times paid, or has provided adequate reserves
(in the good faith judgment of the management of the Borrower) for the payment
of, all federal, state, local and foreign income taxes applicable for all prior
fiscal years and for the current fiscal year to date. There is no action, suit,
proceeding, investigation, audit, or claim now pending or, to the knowledge of
the Borrower threatened, by any authority regarding any taxes relating to any
Company that either individually or in the aggregate could reasonably be
expected to result in a material liability to any Company.

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                  Section 8.10 Compliance with ERISA.

                  (a) DOMESTIC PLANS. Schedule 2 of the Disclosure Letter sets
         forth, as of the Closing Date, each Plan. Each Plan (and each related
         trust, insurance contract or fund) is in compliance in all material
         respects with its terms and with all applicable laws, including,
         without limitation, ERISA and the Code; each Plan (and each related
         trust, if any) which is intended to be qualified under Section 401(a)
         of the Code has received a determination letter from the Internal
         Revenue Service to the effect that it meets the requirements of
         Sections 401(a) and 501(a) of the Code, as amended through the series
         of legislation commonly known as "GUST", and timely application has
         been made for a determination letter with respect to subsequent
         legislation; no Reportable Event has occurred; no Plan which is a
         multiemployer plan (as defined in Section 4001(a)(3) of ERISA) is
         insolvent or in reorganization; no Plan has any material Unfunded
         Current Liability; no Plan which is subject to Section 412 of the Code
         or Section 302 of ERISA has an accumulated funding deficiency, within
         the meaning of such sections of the Code or ERISA, as of the close if
         its most recent fiscal year ended prior to the date of the most recent
         Credit Event, or has applied for or received a waiver of an accumulated
         funding deficiency or an extension of any amortization period, within
         the meaning of Section 412 of the Code or Section 303 or 304 of ERISA;
         all contributions required to be made with respect to a Plan have been
         timely made; neither the Company nor any ERISA Affiliate has incurred
         any material liability (including any indirect, contingent or secondary
         liability) to or on account of a Plan pursuant to Section 409, 502(i),
         502(l) or 515 of ERISA, Title IV of ERISA (other than liability for
         premiums payments to the PBGC, which have been paid when due) or
         Sections 401(a)(29), 4971 or 4975 of the Code or expects to incur any
         such material liability under any of the foregoing sections with
         respect to any Plan; no condition exists which presents a material risk
         to any Company or any ERISA Affiliate of incurring a material liability
         to or on account of a Plan pursuant to the foregoing provisions of
         ERISA and the Code; no proceedings have been instituted to terminate or
         appoint a trustee to administer any Plan which is subject to Title IV
         of ERISA; no action, suit, proceeding, hearing, audit or investigation
         with respect to the administration, operation or the investment of
         assets of any Plan (other than routine claims for benefits) is pending
         or, to the Borrower's knowledge, expected or threatened; using
         actuarial assumptions and computation methods consistent with Part 1 of
         subtitle E of Title IV of ERISA, the aggregate liabilities of the
         Borrower and its ERISA Affiliates to all Plans which are multiemployer
         plans (as defined in Section 4001(a)(3) of ERISA) in the event of a
         complete withdrawal therefrom, as of the close of the most recent
         fiscal year of each such Plan ended prior to the date of the most
         recent Credit Event, would not exceed $500,000; and no lien imposed
         under the Code or ERISA on the assets of the Borrower or any Subsidiary
         of the Borrower or any ERISA Affiliate exists or is likely to arise on
         account of any Plan.

                  (b) FOREIGN PENSION PLANS. Each Foreign Pension Plan is in
         compliance in all material respects with its terms and with the
         requirements of any and all applicable laws, and has been maintained,
         where required, in good standing with applicable

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         regulatory authorities. All material contributions required to be made
         with respect to a Foreign Pension Plan have been timely made. Neither
         the Borrower nor any of its Subsidiaries has incurred any material
         obligation in connection with the termination of or withdrawal from any
         Foreign Pension Plan. The present value of the accrued benefit
         liabilities (whether or not vested) under each Foreign Pension Plan,
         determined as of the end of the Borrower's recently ended fiscal year
         on the basis of actuarial assumptions, each of which is reasonable, did
         not exceed in any material respect the current value of the assets of
         such Foreign Pension Plan allocable to such benefit liabilities.

                  Section 8.11 The Security Documents.

                  (a) The provisions of the Security Agreement are effective to
         create in favor of the Collateral Agent for the benefit of the Secured
         Creditors a legal, valid and enforceable security interest in all
         right, title and interest of the Credit Parties in the Security
         Agreement Collateral described therein, and the Collateral Agent, for
         the benefit of the Secured Creditors, has a fully perfected first lien
         on, and security interest in, all right, title and interest in all of
         the Security Agreement Collateral described therein, free and clear of
         all other Liens other than Permitted Liens. The recordation of (x) the
         Grant of Security Interest in U.S. Patents and (y) the Grant of
         Security Interest in U.S. Trademarks in the respective form attached to
         the Security Agreement, in each case in the United States Patent and
         Trademark Office, together with filings on Form UCC-1 made pursuant to
         the Security Agreement, will create, as may be perfected by such
         filings and recordation, a perfected security interest in the United
         States trademarks and patents covered by the Security Agreement, and
         the recordation of the Grant of Security Interest in U.S. Copyrights in
         the form attached to the Security Agreement with the United States
         Copyright Office, together with filings on Form UCC-1 made pursuant to
         the Security Agreement, will create, as may be perfected by such
         filings and recordation, a perfected security interest in the United
         States copyrights covered by the Security Agreement.

                  (b) The security interests created in favor of the Collateral
         Agent, as Pledgee, for the benefit of the Secured Creditors, under the
         Pledge Agreement constitute first priority perfected security interests
         in the Pledge Agreement Collateral described in the Pledge Agreement,
         free and clear of all other Liens. No filings or recordings are
         required in order to perfect (or maintain the perfection or priority
         of) the security interests created in the Pledge Agreement Collateral
         under the Pledge Agreement.

                  (c) If and when a Mortgage is created, each such Mortgage
         creates, as security for the obligations purported to be secured
         thereby, a valid and enforceable perfected security interest in and
         mortgage lien on the respective Mortgaged Property in favor of the
         Collateral Agent (or such other trustee as may be required or desired
         under local law) for the benefit of the Secured Creditors, superior to
         and prior to the rights of all third persons (except that the security
         interest and mortgage lien created

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         on such Mortgaged Property may be subject to the Permitted Encumbrances
         related thereto) and subject to no other Liens (other than Permitted
         Liens related thereto).

                  Section 8.12 Representations and Warranties in the Credit
Documents. All representations and warranties set forth in the other Credit
Documents were true and correct in all material respects at the time as of which
such representations and warranties were made (or deemed made) and shall be true
and correct in all material respects as of the Closing Date as if such
representations and warranties were made on and as of such date, unless stated
to relate to a specific earlier date, in which case such representations and
warranties shall be true and correct in all material respects as of such earlier
date.

                  Section 8.13 Properties. All Real Property owned or leased by
the Borrower or any of its Subsidiaries as of the Closing Date, and the nature
of the interest therein, is correctly set forth on Schedule 1 of the Disclosure
Letter. Each of the Borrower and each of its Subsidiaries has good and
marketable title to all material properties owned by it, including all property
reflected in Schedule 1 of the Disclosure Letter and in the most recent
historical balance sheets of the Borrower referred to in Section 8.5(a) (except
as sold or otherwise disposed of since the date of such balance sheet in the
ordinary course of business or as permitted by the terms of this Agreement),
free and clear of all Liens, other than Permitted Liens.

                  Section 8.14 Capitalization. On the Closing Date, the
authorized capital stock of the Borrower shall consist of (i) 295,000,000 shares
of common stock, $0.0025 par value per share, and (ii) 5,000,000 shares of
preferred stock, $0.0025 par value per share, of which no shares of such
preferred stock shall be issued and outstanding. All outstanding shares of the
capital stock of the Borrower have been duly and validly issued and are fully
paid and non-assessable. The Borrower does not have outstanding any securities
convertible into or exchangeable for its capital stock or outstanding any rights
to subscribe for or to purchase, or any options for the purchase of, or any
agreement providing for the issuance (contingent or otherwise) of, or any calls,
commitments or claims of any character relating to, its capital stock, except
(i) as set forth in any Shareholders' Agreement as in effect on the Closing
Date, (ii) for options, warrants and rights to purchase shares of the Borrower's
common stock or Qualified Preferred Stock which may be issued from time to time
and (iii) for any Indebtedness that may be issued or incurred from time to time
under Section 10.4(k) which may be convertible into shares of the Borrower's
common stock.

                  Section 8.15 Subsidiaries. As of the Closing Date, the
Borrower has no Subsidiaries other than those Subsidiaries listed on Schedule 3
of the Disclosure Letter. Schedule 3 of the Disclosure Letter correctly sets
forth, as of the Closing Date, (i) the percentage ownership (direct or indirect)
of the Borrower in each class of capital stock or other equity of each of its
Subsidiaries and also identifies the direct owner thereof and (ii) the
jurisdiction of organization of each such Subsidiary.

                  Section 8.16 Compliance with Statutes, etc. Each of the
Borrower and each of its Subsidiaries is in compliance with all applicable
statutes, regulations and orders of, and all

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applicable restrictions imposed by, all governmental bodies, domestic or
foreign, in respect of the conduct of its business and the ownership of its
property (including, without limitation, applicable statutes, regulations,
orders and restrictions relating to environmental standards and controls),
except such noncompliances as could not, either individually or in the
aggregate, reasonably be expected to have a Material Adverse Effect.

                  Section 8.17 Investment Company Act. Neither the Borrower nor
any of its Subsidiaries is an "investment company" or a company "controlled" by
an "investment company," within the meaning of the Investment Company Act of
1940.

                  Section 8.18 Public Utility Holding Company Act. Neither the
Borrower nor any of its Subsidiaries is a "holding company," or a "subsidiary
company" of a "holding company," or an "affiliate" of a "holding company" or of
a "subsidiary company" of a "holding company" within the meaning of the Public
Utility Holding Company Act of 1935.

                  Section 8.19 Environmental Matters.

                  (a) Each of the Borrower and each of its Subsidiaries is in
         compliance with all applicable Environmental Laws and the requirements
         of any permits issued under such Environmental Laws. There are no
         pending or, to the knowledge of the Borrower, threatened Environmental
         Claims against the Borrower or any of its Subsidiaries or any Real
         Property owned, leased or operated by the Borrower or any of its
         Subsidiaries (including any such claim arising out of the ownership,
         lease or operation by the Borrower or any of its Subsidiaries of any
         Real Property formerly owned by the Borrower or any of its Subsidiaries
         but no longer owned, leased or operated by the Borrower or any of its
         Subsidiaries). There are no facts, circumstances, conditions or
         occurrences with respect to the business or operations of the Borrower
         or any of its Subsidiaries, or any Real Property owned, leased or
         operated by the Borrower or any of its Subsidiaries (including, to the
         knowledge of the Borrower, any Real Property formerly owned, leased or
         operated by the Borrower or any of its Subsidiaries but no longer
         owned, leased or operated by the Borrower or any of its Subsidiaries)
         or, to the knowledge of the Borrower, any property adjoining or
         adjacent to any such Real Property that could be reasonably expected
         (i) to form the basis of an Environmental Claim against the Borrower or
         any of its Subsidiaries or any Real Property owned, leased or operated
         by the Borrower or any of its Subsidiaries or (ii) to cause any Real
         Property owned, leased or operated by the Borrower or any of its
         Subsidiaries to be subject to any restrictions on the ownership, lease,
         occupancy or transferability of such Real Property by the Borrower or
         any of its Subsidiaries under any applicable Environmental Law.

                  (b) Hazardous Materials have not at any time been generated,
         used, treated or stored on, or transported to or from, any Real
         Property owned, leased or operated by the Borrower or any of its
         Subsidiaries where such generation, use, treatment, storage or
         transportation has violated or could reasonably be expected to violate
         any Environmental Law or give rise to an Environmental Claim. Hazardous
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         have not at any time been Released on or from any Real Property owned,
         leased or operated by the Borrower or any of its Subsidiaries where
         such Release has violated or could reasonably be expected to violate
         any applicable Environmental Law.

                  (c) Notwithstanding anything to the contrary in this Section
         8.19, the representations and warranties made in this Section 8.19
         shall not be untrue unless the effect of any or all conditions,
         violations, claims, restrictions, failures and noncompliances of the
         types described above could, either individually or in the aggregate,
         reasonably be expected to have a Material Adverse Effect.

                  Section 8.20 Labor Relations. Neither the Borrower nor any of
its Subsidiaries is engaged in any unfair labor practice that could reasonably
be expected to, either individually or in the aggregate, have a Material Adverse
Effect. There is (i) no unfair labor practice complaint pending against the
Borrower or any of its Subsidiaries or, to the knowledge of the Borrower,
threatened against any of them, before the National Labor Relations Board, and
no grievance or arbitration proceeding arising out of or under any collective
bargaining agreement is so pending against the Borrower or any of its
Subsidiaries or, to the knowledge of the Borrower, threatened against any of
them, (ii) no strike, labor dispute, slowdown or stoppage pending against the
Borrower or any of its Subsidiaries or, to the knowledge of the Borrower,
threatened against the Borrower or any of its Subsidiaries and (iii) no union
representation question exists with respect to the employees of the Borrower or
any of its Subsidiaries, except (with respect to any matter specified in clause
(i), (ii) or (iii) above, either individually or in the aggregate) such as could
not reasonably be expected to have a Material Adverse Effect.

                  Section 8.21 Patents, Licenses, Franchises and Formulas. Each
of the Borrower and each of its Subsidiaries owns or has the right to use all
the domestic and foreign patents, trademarks, permits, service marks, trade
names, copyrights, licenses, franchises, proprietary information (including, but
not limited to, rights in computer programs, databases and data collections) and
formulas, or rights with respect to the foregoing, and has obtained assignments
of all leases and other rights of whatever nature, necessary for the present
conduct of its business, without any known conflict with the rights of others
which, or the failure to obtain which, as the case may be, could reasonably be
expected, either individually or in the aggregate, to result in a Material
Adverse Effect.

                  Section 8.22 Existing Indebtedness. Schedule 4 of the
Disclosure Letter sets forth a true and complete list of all Indebtedness
(including Contingent Obligations) of the Companies as of the Closing Date and
which is to remain outstanding (excluding the Loans and the Letters of Credit
and the Indenture Indebtedness, the "Existing Indebtedness"), in each case
showing the aggregate principal amount thereof and the name of the respective
borrower and any Credit Party or any of its Subsidiaries which directly or
indirectly guarantees such debt.

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                  Section 8.23 Insurance. Schedule 5 of the Disclosure Letter
sets forth a true and complete listing of all insurance maintained by the
Companies as of the Closing Date, with the amounts insured (and any deductibles)
set forth therein.

                                   ARTICLE IX

                             AFFIRMATIVE COVENANTS.

                  The Borrower hereby covenants and agrees that on and after the
Closing Date and until the Total Commitment and all Letters of Credit have
terminated and the Loans, Notes and Unpaid Drawings (in each case together with
interest thereon), Fees and all other Obligations (other than indemnities
described in Section 13.12 which are not then due and payable) incurred
hereunder and thereunder, are paid in full.

                  Section 9.1 Information Covenants. The Borrower will furnish
to each Lender:

                  (a) MONTHLY REPORTS. Within 30 days after the end of each
         fiscal month of the Borrower (commencing with its fiscal month ending
         on March 31, 2004), the consolidated balance sheet of the Companies as
         at the end of such fiscal month as well as the related consolidated
         statement of retained earnings and statement of cash flows and the
         consolidated and consolidating statements of income for such fiscal
         month and for the elapsed portion of the fiscal year ended with the
         last day of such fiscal month, in each case setting forth comparative
         figures for the corresponding fiscal month in the prior fiscal year and
         comparable budgeted figures for such fiscal month, all of which shall
         be certified by the chief financial officer of the Borrower that they
         fairly present in all material respects in accordance with GAAP the
         financial condition of the Companies as of the dates indicated and the
         results of their operations for the periods indicated, subject to
         normal year-end audit adjustments and the absence of footnotes.

                  (b) QUARTERLY FINANCIAL STATEMENTS. Within 45 days after the
         close of the first three quarterly accounting periods in each fiscal
         year of the Borrower (commencing with its quarterly accounting period
         ending on March 31, 2004), (i) the consolidated balance sheet of the
         Companies as at the end of such quarterly accounting period and the
         related consolidated statements of income and retained earnings and
         statement of cash flows for such quarterly accounting period and for
         the elapsed portion of the fiscal year ended with the last day of such
         quarterly accounting period, in each case setting forth comparative
         figures for the related periods in the prior fiscal year, all of which
         shall be certified by the chief financial officer of the Borrower that
         they fairly present in all material respects in accordance with GAAP
         the financial condition of the Companies as of the dates indicated and
         the results of their operations for the periods indicated, subject to
         normal year-end audit adjustments and the absence of footnotes, and
         (ii) management's discussion and analysis of the important operational
         and financial developments during such

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         quarterly accounting period (it being understood that any management's
         discussion and analysis set forth in the Borrower's Form 10-Q for such
         quarterly accounting period and delivered to the Lenders shall satisfy
         the provisions of this clause (ii)).

                  (c) ANNUAL FINANCIAL STATEMENTS. Within 90 days after the
         close of each fiscal year of the Borrower, (i) the consolidated balance
         sheet of the Companies as at the end of such fiscal year and the
         related consolidated statements of income and retained earnings and
         statement of cash flows for such fiscal year setting forth comparative
         figures for the preceding fiscal year and certified by KPMG Peat
         Marwick LLP or such other independent certified public accountants of
         recognized national standing reasonably acceptable to the
         Administrative Agent, together with a report of such accounting firm
         stating that in the course of its regular audit of the financial
         statements of the Borrower and its Subsidiaries, which audit was
         conducted in accordance with GAAP, such accounting firm obtained no
         knowledge of any Default or an Event of Default relating to financial
         and accounting matters which has occurred and is continuing or, if in
         the opinion of such accounting firm such a Default or Event of Default
         has occurred and is continuing, a statement as to the nature thereof,
         and (ii) management's discussion and analysis of the important
         operational and financial developments during such fiscal year (it
         being understood that any management's discussion and analysis set
         forth in the Borrower's Form 10-K for such quarterly accounting period
         and delivered to the Lenders shall satisfy the provisions of this
         clause (ii)).

                  (d) MANAGEMENT LETTERS. Promptly after the Borrower's or any
         of its Subsidiaries' receipt thereof, a copy of any "management letter"
         received from its certified public accountants and management's
         response thereto.

                  (e) BUDGETS. No later than 30 days following the first day of
         each fiscal year of the Borrower, a budget in form reasonably
         satisfactory to the Administrative Agent (including budgeted statements
         of income, sources and uses of cash and balance sheets) prepared by the
         Borrower (i) for each of the twelve months of such fiscal year prepared
         in detail and (ii) for each of the immediately three succeeding fiscal
         years prepared in summary form, in each case setting forth, with
         appropriate discussion, the principal assumptions upon which such
         budgets are based.

                  (f) OFFICER'S CERTIFICATES. At the time of the delivery of the
         financial statements provided for in Sections 9.1(b) and (c), a
         certificate, substantially in the form of Exhibit L, of the chief
         financial officer of the Borrower certifying on behalf of the Borrower
         that, to the best of such officer's knowledge, no Default or Event of
         Default exists or, if any Default or Event of Default exists,
         specifying the nature and extent thereof, which certificate shall (i)
         set forth in reasonable detail the calculations required to establish
         whether the Companies were in compliance with the provisions of
         Sections 5.2(e), 5.2(f), 10.2(e), 10.3(c), 10.4, 10.5, 10.7, 10.8, 10.9
         and 10.10 at the end of such fiscal quarter or year, as the case may
         be, and (ii) commencing with the delivery of the financial statements
         in respect of the Borrower's fiscal quarter ending

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         on March 31, 2004, the Applicable Margin for Term Loans, Revolving
         Loans and Swingline Loans for the Margin Reduction Period commencing
         with the delivery of the such financial statements.

                  (g) NOTICE OF DEFAULT OR LITIGATION. Promptly upon, and in any
         event within five Business Days after, any principal, senior or
         executive officer of the Borrower obtains knowledge thereof, notice of
         (i) the occurrence of any event which constitutes a Default or an Event
         of Default and (ii) any litigation or governmental investigation or
         proceeding pending (x) against the Borrower or any of its Subsidiaries
         which could reasonably be expected to have a Material Adverse Effect,
         (y) with respect to any material Indebtedness of the Borrower or any of
         its Subsidiaries or (z) with respect to any Credit Document.

                  (h) OTHER REPORTS AND FILINGS. Promptly after the filing or
         delivery thereof, copies of all financial information, proxy materials
         and reports, if any, which the Borrower or any of its Subsidiaries
         shall publicly file with the Securities and Exchange Commission or any
         successor thereto (the "SEC") or deliver to holders (or any trustee,
         agent or other representative therefor) of its material Indebtedness
         pursuant to the terms of the documentation governing such Indebtedness.

                  (i) ENVIRONMENTAL MATTERS. Promptly after any principal,
         senior or executive officer of the Borrower obtains knowledge thereof,
         notice of one or more of the following environmental matters, unless
         such environmental matters could not, either individually or when
         aggregated with all other such environmental matters, be reasonably
         expected to have a Material Adverse Effect:

                           (i) any pending or threatened Environmental Claim
                  against the Borrower or any of its Subsidiaries or any Real
                  Property owned, leased or operated by the Borrower or any of
                  its Subsidiaries;

                           (ii) any condition or occurrence on or arising from
                  any Real Property owned, leased or operated by the Borrower or
                  any of its Subsidiaries that (a) results in noncompliance by
                  the Borrower or any of its Subsidiaries with any applicable
                  Environmental Law or (b) could be expected to form the basis
                  of an Environmental Claim against the Borrower or any of its
                  Subsidiaries or any such Real Property;

                           (iii) any condition or occurrence on any Real
                  Property owned, leased or operated by the Borrower or any of
                  its Subsidiaries that could be expected to cause such Real
                  Property to be subject to any restrictions on the ownership,
                  lease, occupancy, use or transferability by the Borrower or
                  any of its Subsidiaries of such Real Property under any
                  Environmental Law; and

                           (iv) the taking of any removal or remedial action in
                  response to the actual or alleged presence of any Hazardous
                  Material on any Real Property owned, leased or operated by the
                  Borrower or any of its Subsidiaries as required by any
                  Environmental Law or any governmental or other

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                  administrative agency; provided that in any event the Borrower
                  shall deliver to each Lender all notices received by the
                  Borrower or any of its Subsidiaries from any government or
                  governmental agency under, or pursuant to, CERCLA which
                  identify the Borrower or any of its Subsidiaries as
                  potentially responsible parties for redemption costs or which
                  otherwise notify the Borrower or any of its Subsidiaries of
                  potential liability under CERCLA.

         All such notices shall describe in reasonable detail the nature of the
         claim, investigation, condition, occurrence or removal or remedial
         action and the Borrower's or such Subsidiary's response thereto.

                  (j) OTHER INFORMATION. From time to time, such other
         information or documents (financial or otherwise) with respect to the
         Borrower or any of its Subsidiaries as the Administrative Agent or any
         Lender may reasonably request.

                  (k) DEBT RATINGS. A notice promptly upon any announcement by
         Moody's or S&P of any change or possible change in a Debt Rating.

                  Section 9.2 Books, Records and Inspections; Annual Meetings.

                  (a) The Borrower will, and will cause each of its Subsidiaries
         to, keep proper books of record and accounts in which entries
         sufficient to prepare the financial statements required to be delivered
         pursuant to this Agreement in conformity with GAAP and all requirements
         of law shall be made of all dealings and transactions in relation to
         its business and activities. The Borrower will, and will cause each of
         its Subsidiaries to, permit officers and designated representatives of
         the Administrative Agent or any Lender to visit and inspect, under
         guidance of officers of the Borrower or such Subsidiary, any of the
         properties of the Borrower or such Subsidiary, and to examine the books
         of account of the Borrower or such Subsidiary and discuss the affairs,
         finances and accounts of the Borrower or such Subsidiary with, and be
         advised as to the same by, its and their officers and independent
         accountants, all upon reasonable prior notice and at such reasonable
         times and intervals and to such reasonable extent as the Administrative
         Agent or such Lender may reasonably request.

                  (b) At a date to be mutually agreed upon between the
         Administrative Agent and the Borrower occurring on or prior to the
         120th day after the close of each fiscal year of the Borrower, the
         Borrower will, at the request of the Administrative Agent, hold a
         meeting or a conference call with all of the Lenders at which meeting
         or a conference call shall be reviewed the financial results of the
         Companies for the previous fiscal year and the budgets presented for
         the current fiscal year of the Borrower.

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                  Section 9.3 Maintenance of Property; Insurance.

                  (a) The Borrower will, and will cause each of its Subsidiaries
         to, (i) keep all material property necessary to the business of the
         Companies in reasonably good working order and condition, ordinary wear
         and tear and obsolescence excepted, (ii) maintain with financially
         sound and reputable insurance companies insurance on all such property
         in at least such amounts and against at least such risks as is
         consistent and in accordance with industry practice for companies
         similarly situated owning similar properties in the same general areas
         in which the Borrower or any of its Subsidiaries operates, and (iii)
         furnish to the Administrative Agent, together with each set of
         financial statements delivered pursuant to Section 9.1(c), full
         information as to the insurance carried.

                  (b) The Borrower will, and will cause each of the Subsidiary
         Guarantors to, at all times keep its property insured in favor of the
         Collateral Agent, and all policies or certificates (or certified copies
         thereof) with respect to such insurance (and any other insurance
         maintained by the Borrower and/or such Subsidiary Guarantors) (i) shall
         be endorsed to the Collateral Agent's satisfaction for the benefit of
         the Collateral Agent (including, without limitation, by naming the
         Collateral Agent as loss payee and/or additional insured), (ii) shall
         state that such insurance policies shall not be canceled without at
         least 30 days' prior written notice thereof by the respective insurer
         to the Collateral Agent, (iii) shall provide that the respective
         insurers irrevocably waive any and all rights of subrogation with
         respect to the Collateral Agent and the other Secured Creditors, (iv)
         shall contain the standard non-contributing mortgage clause endorsement
         in favor of the Collateral Agent with respect to hazard liability
         insurance, (v) shall, except in the case of public liability insurance,
         provide that any losses shall be payable notwithstanding (A) any
         foreclosure or other proceeding relating to the insured properties or
         (B) any change in the title to or ownership or possession of the
         insured properties and (vi) shall be deposited with the Collateral
         Agent.

                  (c) If the Borrower or any of its Subsidiaries shall fail to
         insure its property in accordance with this Section 9.3, or if the
         Borrower or any of its Subsidiaries shall fail to so endorse and
         deposit all policies or certificates with respect thereto, the
         Administrative Agent shall have the right (but shall be under no
         obligation) to procure such insurance and the Borrower agrees to
         reimburse the Administrative Agent for all reasonable costs and
         expenses of procuring such insurance.

                  Section 9.4 Existence; Franchises. The Borrower will, and will
cause each of its Subsidiaries (other than Inactive Subsidiaries) to, do or
cause to be done, all things necessary to preserve and keep in full force and
effect its existence and its material rights, franchises, licenses and patents;
provided, however, that nothing in this Section 9.4 shall prevent (i) sales of
assets and other transactions by the Borrower or any of its Subsidiaries in
accordance with Section 10.2 or (ii) the withdrawal by the Borrower or any of
its Subsidiaries of its qualification as a foreign corporation in any
jurisdiction where such

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withdrawal could not, either individually or in the aggregate, reasonably be
expected to have a Material Adverse Effect.

                  Section 9.5 Compliance with Statutes, etc. The Borrower will,
and will cause each of its Subsidiaries to, comply with all applicable statutes,
regulations and orders of, and all applicable restrictions imposed by, all
governmental bodies, domestic or foreign, in respect of the conduct of its
business and the ownership of its property (including applicable statutes,
regulations, orders and restrictions relating to environmental standards and
controls), except such noncompliances as could not, either individually or in
the aggregate, reasonably be expected to have a Material Adverse Effect.

                  Section 9.6 Compliance with Environmental Laws.

                  (a) The Borrower will comply, and will cause each of its
         Subsidiaries to comply, with all Environmental Laws and permits
         applicable to, or required by, the ownership, lease or use of its Real
         Property now or hereafter owned, leased or operated by the Borrower or
         any of its Subsidiaries, will promptly pay or cause to be paid all
         costs and expenses incurred in connection with such compliance, and
         will keep or cause to be kept all such Real Property free and clear of
         any Liens imposed pursuant to such Environmental Laws, except such
         noncompliances as could not, either individually or in the aggregate,
         reasonably be expected to have a Material Adverse Effect. Neither the
         Borrower nor any of its Subsidiaries will generate, use, treat, store,
         Release or dispose of, or permit the generation, use, treatment,
         storage, Release or disposal of Hazardous Materials on any Real
         Property now or hereafter owned, leased or operated by the Borrower or
         any of its Subsidiaries, or transport or permit the transportation of
         Hazardous Materials to or from any such Real Property, except for
         Hazardous Materials generated, used, treated, stored, Released or
         disposed of at any such Real Properties in compliance in all material
         respects with all applicable Environmental Laws and as reasonably
         required in connection with the normal operation, use and maintenance
         of the business or operations of the Borrower or any of its
         Subsidiaries.

                  (b) At the reasonable written request of the Administrative
         Agent or the Required Lenders, which request shall specify in
         reasonable detail the basis therefor, at any time and from time to
         time, the Borrower will provide, at the sole expense of the Borrower,
         an environmental site assessment report concerning any Real Property
         owned, leased or operated by the Borrower or any of its Subsidiaries,
         prepared by an environmental consulting firm reasonably approved by the
         Administrative Agent, indicating the presence or absence of Hazardous
         Materials and the potential cost of any removal or remedial action in
         connection with such Hazardous Materials on such Real Property,
         provided that (i) unless the Lenders or the Administrative Agent has
         received any notice of the type described in Section 9.1(i) or (ii) the
         Lenders have exercised any of the remedies pursuant to Section 11.2,
         such request may not be made more than once every two years in respect
         of any parcel of Real Property. If the Borrower fails to provide same
         within 90 days after such request was made, the

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         Administrative Agent may order the same, the cost of which shall be
         borne by the Borrower and the Borrower shall grant and hereby grant to
         the Administrative Agent and the Lenders and their respective agents
         access to such Real Property and specifically grant the Administrative
         Agent and the Lenders an irrevocable non-exclusive license, subject to
         the rights of tenants, to undertake such an assessment at any
         reasonable time upon reasonable notice to the Borrower, all at the sole
         expense of the Borrower.

                  Section 9.7 ERISA. As soon as possible and, in any event,
within ten (10) days after the Borrower, any Subsidiary of the Borrower or any
ERISA Affiliate knows or has reason to know of the occurrence of any of the
following, the Borrower will deliver to each of the Lenders a certificate of the
chief financial officer of the Borrower setting forth in reasonable detail
information as to such occurrence and the action, if any, that the Borrower,
such Subsidiary or such ERISA Affiliate is required or proposes to take,
together with any notices required or proposed to be given to or filed with or
by the Borrower, the Subsidiary, the ERISA Affiliate, the PBGC or any other
governmental agency, a Plan participant or the Plan administrator with respect
thereto: (i) that a Reportable Event has occurred (except to the extent that the
Borrower has previously delivered to the Lenders a certificate and notices (if
any) concerning such event pursuant to the next clause hereof); (ii) that a
contributing sponsor (as defined in Section 4001(a)(13) of ERISA) of a Plan
subject to Title IV of ERISA is subject to the advance reporting requirement of
PBGC Regulation Section 4043.61 (without regard to subparagraph (b)(1) thereof),
or that an advance notice of a Reportable Event is otherwise filed (or required
to be filed) with the PBGC under Section 4043 of ERISA; (iii) that an
accumulated funding deficiency, within the meaning of Section 412 of the Code or
Section 302 of ERISA, has been incurred or an application may be or has been
made for a waiver or modification of the minimum funding standard (including any
required installment payments) or an extension of any amortization period under
Section 412 of the Code or Section 303 or 304 of ERISA with respect to a Plan;
(iv) that any contribution required to be made with respect to a Plan or Foreign
Pension Plan has not been timely made; (v) that a Plan that is subject to Title
IV of ERISA has been or may be terminated, reorganized, partitioned or declared
insolvent under Title IV of ERISA, or that a Foreign Pension Plan that is a
defined benefit or superannuation plan has been or may be terminated,
reorganized, partitioned or declared insolvent under applicable foreign law;
(vi) that a Plan has an Unfunded Current Liability; (vii) that proceedings may
be or have been instituted to terminate or appoint a trustee to administer a
Plan which is subject to Title IV of ERISA; (viii) that a proceeding has been
instituted pursuant to Section 515 of ERISA to collect a delinquent contribution
to a Plan; or (ix) that the Borrower, any Subsidiary of the Borrower or any
ERISA Affiliate will or may incur any material liability (including any
indirect, contingent, or secondary liability) to or on account of the
termination of or withdrawal from a Plan under Title IV of ERISA or with respect
to a Plan under Section 401(a)(29), 4971, 4975 or 4980 of the Code or Section
409 or 502(i) or 502(l) of ERISA. The Borrower will deliver to each of the
Lenders copies of any records, documents or other information that must be
furnished to the PBGC with respect to any Plan pursuant to Section 4010 of
ERISA. Upon the request of the Administrative Agent or any Lender, the Borrower
will also deliver to the Administrative Agent or such Lender a complete copy of
the annual report (on Internal

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Revenue Service Form 5500-series) of each Plan (including, to the extent
required, the related financial and actuarial statements and opinions and other
supporting statements, certifications, schedules and information) required to be
filed with the Internal Revenue Service. In addition to any certificates or
notices delivered to the Lenders pursuant to the first sentence hereof, copies
of annual reports and any records, documents or other information required to be
furnished to the PBGC or any other governmental agency, and any material notices
received by the Borrower, any Subsidiary of the Borrower or any ERISA Affiliate
with respect to any Plan or Foreign Pension Plan shall be delivered to the
Lenders no later than ten (10) days after the date such annual report has been
filed with the Internal Revenue Service or such records, documents and/or
information has been furnished to the PBGC or any other governmental agency or
such notice has been received by the Borrower, the respective Subsidiary or the
ERISA Affiliate, as applicable. The Borrower and each of its Subsidiaries shall
insure that all Foreign Pension Plans administered by it or into which it makes
payments obtains or retains (as applicable) registered status under and as
required by applicable law and is administered in a timely manner in all
respects in compliance with all applicable laws except where the failure to do
any of the foregoing could not, either individually or in the aggregate,
reasonably be expected to have a Material Adverse Effect.

                  Section 9.8 End of Fiscal Years; Fiscal Quarters. The Borrower
will cause (i) its fiscal year to end on the last day of one of the fiscal
quarters set forth in clause (ii) below and (ii) each of its fiscal quarters to
end on March 31, June 30, September 30 and December 31 of each year.

                  Section 9.9 Performance of Obligations. The Borrower will, and
will cause each of its Subsidiaries to, perform all of its obligations under the
terms of each mortgage, indenture, security agreement, loan agreement or credit
agreement and each other material agreement, contract or instrument by which it
is bound, except such non-performances as could not, either individually or in
the aggregate, reasonably be expected to have a Material Adverse Effect.

                  Section 9.10 Payment of Taxes. The Borrower will pay and
discharge, and will cause each of its Subsidiaries to pay and discharge, all
taxes, assessments and governmental charges or levies imposed upon it or upon
its income or profits, or upon any properties belonging to it, prior to the date
on which penalties attach thereto, and all lawful claims for sums that have
become due and payable which, if unpaid, might become a Lien not otherwise
permitted under Section 10.1(a); provided that neither the Borrower nor any of
its Subsidiaries shall be required to pay any such tax, assessment, charge, levy
or claim which is immaterial or is being contested in good faith and by proper
proceedings if it has maintained adequate reserves with respect thereto in
accordance with GAAP.

                  Section 9.11 Additional Security; Further Assurances.

                  (a) The Borrower will, and will cause each of its Domestic
         Subsidiaries (other than an Inactive Subsidiary) and, to the extent
         required by Section 9.13, each of

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         its Foreign Subsidiaries to, grant to the Collateral Agent security
         interests and Mortgages in such assets and properties of the Borrower
         and such Subsidiaries as are not covered by the original Security
         Documents, and as may be reasonably requested from time to time by the
         Required Lenders (collectively, the "Additional Security Documents").
         All such security interests and Mortgages shall be granted pursuant to
         documentation reasonably satisfactory in form and substance to the
         Administrative Agent and shall constitute valid and enforceable
         perfected security interests and Mortgages superior to and prior to the
         rights of all third Persons and subject to no other Liens except for
         Permitted Liens. The Additional Security Documents or instruments
         related thereto shall have been duly recorded or filed in such manner
         and in such places as are required by law to establish, perfect,
         preserve and protect the Liens in favor of the Collateral Agent
         required to be granted pursuant to the Additional Security Documents
         and all taxes, fees and other charges payable in connection therewith
         shall have been paid in full.

                  (b) The Borrower will, and will cause each of the Subsidiary
         Guarantors to, at the expense of the Borrower, make, execute, endorse,
         acknowledge, file and/or deliver to the Collateral Agent from time to
         time such vouchers, invoices, schedules, confirmatory assignments,
         conveyances, financing statements, transfer endorsements, powers of
         attorney, certificates, real property surveys, reports, landlord
         waivers and other assurances or instruments and take such further steps
         relating to the Collateral covered by any of the Security Documents as
         the Collateral Agent may reasonably require. Furthermore, the Borrower
         will cause to be delivered to the Collateral Agent such opinions of
         counsel, title insurance and other related documents as may be
         reasonably requested by the Administrative Agent to assure itself that
         this Section 9.11 has been complied with.

                  (c) If the Administrative Agent or the Required Lenders
         reasonably determine that they are required by law or regulation to
         have appraisals prepared in respect of the Real Property of the
         Companies constituting Collateral, the Borrower will, at its own
         expense, provide to the Administrative Agent appraisals which satisfy
         the applicable requirements of the Real Estate Appraisal Reform
         Amendments of the Financial Institution Reform, Recovery and
         Enforcement Act of 1989, and which shall otherwise be in form and
         substance reasonably satisfactory to the Administrative Agent.

                  (d) The Borrower agrees that each action required above by
         this Section 9.11 shall be completed as soon as possible, but in no
         event later than 90 days after such action is either requested to be
         taken by the Administrative Agent or the Required Lenders or required
         to be taken by the Borrower and/or its Subsidiaries pursuant to the
         terms of this Section 9.11; provided that, in no event will the
         Borrower or any of its Subsidiaries be required to take any action,
         other than using its best efforts, to obtain consents from third
         parties with respect to its compliance with this Section 9.11.

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                  Section 9.12 Use of Proceeds. The Borrower will use the
proceeds of the Loans only as provided in Section 8.8.

                  Section 9.13 Foreign Subsidiaries Security. If, following a
change in the relevant sections of the Code or the regulations, rules, rulings,
notices or other official pronouncements issued or promulgated thereunder, the
Borrower does not within 30 days after a request from the Administrative Agent
or the Required Lenders deliver evidence, in form and substance reasonably
satisfactory to the Administrative Agent, with respect to any Foreign Subsidiary
of the Borrower which has not already had all of its stock pledged pursuant to
the Pledge Agreement that

                  (a) a pledge of 65% or more of the total combined voting power
         of all classes of capital stock of such Foreign Subsidiary entitled to
         vote,

                  (b) the entering into by such Foreign Subsidiary of a security
         agreement in substantially the form of the Security Agreement, and

                  (c) the entering into by such Foreign Subsidiary of a guaranty
         in substantially the form of the Subsidiaries' Guaranty,

in any such case could reasonably be expected to cause (I) any undistributed
earnings of such Foreign Subsidiary as determined for Federal income tax
purposes to be treated as a deemed dividend to such Foreign Subsidiary's United
States parent for Federal income tax purposes or (II) other Federal income tax
consequences to the Credit Parties having a Material Adverse Effect, then in the
case of a failure to deliver the evidence described in clause (i) above, that
portion of such Foreign Subsidiary's outstanding capital stock not theretofore
pledged pursuant to the Pledge Agreement shall be promptly pledged to the
Collateral Agent for the benefit of the Secured Creditors pursuant to the Pledge
Agreement (or another pledge agreement in substantially similar form, if
needed), and in the case of a failure to deliver the evidence described in
clause (ii) above, such Foreign Subsidiary shall promptly execute and deliver
the Security Agreement and Pledge Agreement (or another security agreement or
pledge agreement in substantially similar form, if needed), granting the Secured
Creditors a security interest in all of such Foreign Subsidiary's assets and
securing the Obligations of the Borrower under the Credit Documents and under
any Interest Rate Protection Agreement or Other Hedging Agreement and, in the
event the Subsidiaries' Guaranty shall have been executed by such Foreign
Subsidiary, the obligations of such Foreign Subsidiary thereunder, and in the
case of a failure to deliver the evidence described in clause (iii) above, such
Foreign Subsidiary shall promptly execute and deliver the Subsidiaries' Guaranty
(or another guaranty in substantially similar form, if needed), guaranteeing the
Obligations of the Borrower under the Credit Documents and under any Interest
Rate Protection Agreement or Other Hedging Agreement, in each case to the extent
that the entering into of the Security Agreement, Pledge Agreement or
Subsidiaries' Guaranty is permitted by the laws of the respective foreign
jurisdiction and with all documents delivered pursuant to this Section 9.13 to
be in form and substance reasonably satisfactory to the Administrative Agent.

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                  Section 9.14 Margin Stock. If any Credit Party any Margin
Stock that is required to be pledged pursuant to the Pledge Agreement, the
Borrower will duly execute and deliver to each Lender an appropriately completed
Form U-1 or Form G-3 referred to in Regulation U.

                  Section 9.15 Permitted Acquisitions.

                  (a) CONDITIONS FOR ACQUISITIONS. Subject to the provisions of
         this Section 9.15 and the requirements contained in the definition of
         "Permitted Acquisition", the Borrower and its Wholly-Owned Subsidiaries
         may from time to time effect Permitted Acquisitions, so long as (in
         each case except to the extent the Required Lenders otherwise
         specifically agree in writing in the case of a specific Permitted
         Acquisition):

                           (i) no Default or Event of Default shall have
                  occurred and be continuing at the time of the consummation of
                  the proposed Permitted Acquisition or immediately after giving
                  effect thereto;

                           (ii) all representations and warranties contained
                  herein and in the other Credit Documents shall be true and
                  correct in all material respects with the same effect as
                  though such representations and warranties had been made on
                  and as of the date of such Permitted Acquisition (both before
                  and after giving effect thereto), unless stated to relate to a
                  specific earlier date, in which case such representations and
                  warranties shall be true and correct in all material respects
                  as of such earlier date;

                           (iii) the Net Acquisition Consideration with respect
                  to any one Permitted Acquisition shall not be greater than
                  $20,000,000;

                           (iv) the Net Acquisition Consideration with respect
                  to all Permitted Acquisitions consummated during any given
                  fiscal year of the Borrower shall not exceed the "Total
                  Acquisition Amount," which shall be determined according to
                  the following:

                                    (A) from and after January 1, 2004, until
                           modified as provided for in (B) or (C) below, the
                           Total Acquisition Amount shall be $35,000,000;

                                    (B) from and after January 1, 2005, the
                           Total Acquisition Amount shall be $20,000,000 plus
                           the product (only to the extent the product is a
                           positive number) of 50% of the sum of Consolidated
                           EBITDA for the period January 1, 2004 to December 31,
                           2004, less the Consolidated EBITDA for the period of
                           January 1, 2003 to December 31, 2003, provided that
                           the Total Acquisition Amount shall not be more than a
                           total of $25,000,000 pursuant to this clause (B); and

                                    (C) from and after January 1, 2006, the
                           Total Acquisition Amount shall be the Total
                           Acquisition Amount as determined by clause (B) above
                           plus the product (only to the extent the product is a
                           positive

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                           number) of 50% of the sum of the Consolidated EBITDA
                           for the period January 1, 2005 to December 31, 2005,
                           less the Consolidated EBITDA for the period of
                           January 1, 2004 to December 31, 2004, provided that
                           the Total Acquisition Amount shall not be increased
                           to more than a total of $30,000,000 pursuant to this
                           clause (C).

                           (v) the Acquired EBITDA of each Acquired Entity or
                  Business, calculated prior to a Permitted Acquisition shall
                  not be less than a negative $2,500,000 for the twelve month
                  period prior to the Permitted Acquisition, and in any fiscal
                  year of the Borrower the total Acquired EBITDA for all
                  Acquired Entities and Businesses shall not be less than a
                  negative $5,000,000 on an aggregate basis.

                           (vi) immediately after giving effect to each
                  Permitted Acquisition (and all payments to be made in
                  connection therewith), the Total Unutilized Revolving Loan
                  Commitment, when added to the aggregate amount of unrestricted
                  cash and Cash Equivalents held by the Borrower and its
                  Wholly-Owned Domestic Subsidiaries, shall equal or exceed
                  $7,000,000;

                           (vii) no Acquired Entity or Business acquired
                  pursuant to a Permitted Acquisition shall be organized or
                  domiciled under the law of any jurisdiction other than the
                  United States or Canada, or any states or provinces therein,
                  and no Acquired Entity or Business shall have more than 15% of
                  its assets or annual revenues based in or from outside of the
                  United States or Canada (as determined from the most recently
                  available financial information for such Person or assets);

                           (viii) such Permitted Acquisition is non-hostile
                  (i.e., the prior, effective written consent or approval to
                  such Permitted Acquisition of the board of directors or
                  equivalent governing body of the Acquired Entity or Business
                  shall have been obtained);

                           (ix) at least 10 Business Days prior to any Permitted
                  Acquisition, the Borrower shall have (x) given the
                  Administrative Agent and the Lenders at least 10 Business Days
                  prior written notice of any Permitted Acquisition, and (y)
                  delivered to the Administrative Agent and each Lender an
                  officer's certificate executed by a senior financial officer
                  of the Borrower, certifying to the best of such officer's
                  knowledge, compliance with the requirements of preceding
                  clauses (i) through (viii), inclusive, and containing the
                  calculations (in reasonable detail) (A) evidencing compliance
                  with the preceding clauses (iii), (iv), (v), (vi), (vii), and
                  (viii) and (B) necessary to establish the Acquired EBITDA of
                  the Acquired Entity or Business acquired pursuant to such
                  Permitted Acquisition, which calculations shall be reasonably
                  approved by the Administrative Agent.

                  (b) PLEDGE OF STOCK. At the time of each Permitted Acquisition
         involving the creation or acquisition of a Subsidiary, or the
         acquisition of capital stock or other equity interest of any Person,
         all capital stock or other equity interests thereof created

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         or acquired in connection with such Permitted Acquisition shall be
         pledged for the benefit of the Secured Creditors pursuant to (and to
         the extent required by) the Pledge Agreement.

                  (c) The Borrower will cause each Subsidiary which is formed to
         effect, or is acquired pursuant to, a Permitted Acquisition to comply
         with, and to execute and deliver, all of the documentation as and to
         the extent required by, Sections 9.11 and 10.14, to the satisfaction of
         the Administrative Agent.

                  (d) The consummation of each Permitted Acquisition shall be
         deemed to be a representation and warranty by the Borrower that the
         certifications by the Borrower pursuant to Section 9.15(a) are true and
         correct and that all conditions thereto have been satisfied and that
         same is permitted in accordance with the terms of this Agreement, which
         representation and warranty shall be deemed to be a representation and
         warranty for all purposes hereunder, including, without limitation,
         Articles VIII and XI.

                  (e) In any Permitted Acquisition that involves a working
         capital adjustment, Net Acquisition Consideration for the purposes of
         clauses (a)(iii) and (iv) above shall be initially calculated on the
         basis of a reasonably estimated working capital adjustment. Within 75
         days after each such Permitted Acquisition, the Borrower (i) shall
         establish the actual amount of working capital adjustment and the
         actual Net Acquisition Consideration, and (ii) shall deliver to the
         Administrative Agent and each Lender an officer's certificate executed
         by a senior financial officer of the Borrower, certifying to the best
         of such officer's knowledge, compliance with the requirements of
         preceding clauses (a)(iii) and (iv) based on such recalculated Net
         Acquisition Consideration, and containing the calculations (in
         reasonable detail) evidencing compliance with the preceding clauses
         (a)(iii) and (iv).

                                    ARTICLE X

                               NEGATIVE COVENANTS.

                  The Borrower hereby covenants and agrees that on and after the
Closing Date and until the Total Commitment and all Letters of Credit have
terminated and the Loans, Notes and Unpaid Drawings (in each case, together with
interest thereon), Fees and all other Obligations (other than any indemnities
described in Section 13.12 which are not then due and payable) incurred
hereunder and thereunder, are paid in full:

                  Section 10.1 Liens. The Borrower will not, and will not permit
any of its Subsidiaries to, create, incur, assume or suffer to exist any Lien
upon or with respect to any property or assets (real or personal, tangible or
intangible) of the Borrower or any of its Subsidiaries, whether now owned or
hereafter acquired, or sell any such property or assets subject to an
understanding or agreement, contingent or otherwise, to repurchase such property
or assets (including sales of accounts receivable with recourse to the Borrower
or any of its Subsidiaries), or assign any right to receive income or permit the
filing of any

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financing statement under the UCC or any other similar notice of Lien under any
similar recording or notice statute; provided that the provisions of this
Section 10.1 shall not prevent the creation, incurrence, assumption or existence
of the following (Liens described below are herein referred to as "Permitted
Liens"):

                  (a) inchoate Liens for taxes, assessments or governmental
         charges or levies not yet due or Liens for taxes, assessments or
         governmental charges or levies being contested in good faith and by
         appropriate proceedings for which adequate reserves have been
         established in accordance with GAAP;

                  (b) Liens in respect of property or assets of the Borrower or
         any of its Subsidiaries imposed by law, which were incurred in the
         ordinary course of business and do not secure Indebtedness for borrowed
         money, such as carriers', warehousemen's, materialmen's and mechanics'
         liens and other similar Liens arising in the ordinary course of
         business, and (x) which do not in the aggregate materially detract from
         the value of the Borrower's or such Subsidiary's property or assets or
         materially impair the use thereof in the operation of the business of
         the Borrower or such Subsidiary or (y) which are being contested in
         good faith by appropriate proceedings, which proceedings have the
         effect of preventing the forfeiture or sale of the property or assets
         subject to any such Lien;

                  (c) Liens in existence on the Closing Date which are listed,
         and the property subject thereto described, in Schedule 6 of the
         Disclosure Letter, but only to the respective date, if any, set forth
         in such Schedule 6 for the removal, replacement and termination of any
         such Liens, plus renewals, replacements and extensions of such Liens to
         the extent set forth on such Schedule 6, provided that (x) the
         aggregate principal amount of the Indebtedness, if any, secured by such
         Liens does not increase from that amount outstanding at the time of any
         such renewal, replacement or extension and (y) any such renewal,
         replacement or extension does not encumber any additional assets or
         properties of the Borrower or any of its Subsidiaries;

                  (d) Liens created pursuant to the Security Documents;

                  (e) leases or subleases granted to other Persons not
         materially interfering with the conduct of the business of the Borrower
         or any of its Subsidiaries;

                  (f) Liens upon assets of the Borrower or any of its
         Subsidiaries subject to Capitalized Lease Obligations to the extent
         such Capitalized Lease Obligations are permitted by Section 10.4(d),
         provided that (x) such Liens only serve to secure the payment of
         Indebtedness arising under such Capitalized Lease Obligation and (y)
         the Lien encumbering the asset giving rise to the Capitalized Lease
         Obligation does not encumber any other asset of the Borrower or any
         Subsidiary of the Borrower;

                  (g) Liens placed upon (x) equipment or machinery acquired
         after the Closing Date and used in the ordinary course of business of
         the Borrower or any of its Subsidiaries at the time of the acquisition
         thereof by the Borrower or any such

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         Subsidiary or within 90 days thereafter to secure Indebtedness incurred
         to pay all or a portion of the purchase price thereof or to secure
         Indebtedness incurred solely for the purpose of financing the
         acquisition of any such equipment or machinery or extensions, renewals
         or replacements of any of the foregoing for the same or a lesser amount
         or (y) Real Property acquired or constructed after the Closing Date and
         used in the ordinary course of business of the Borrower or any of its
         Subsidiaries at the time of the acquisition or construction thereof by
         the Borrower or any of its Subsidiaries or within 180 days thereafter
         to secure Indebtedness incurred to pay all or a portion of the purchase
         price or construction cost thereof or to secure Indebtedness incurred
         solely for the purpose of financing the acquisition or construction of
         any such Real Property or extensions, renewals or replacements of any
         of the foregoing for the same or a lesser amount, provided that (i) the
         Indebtedness secured by all such Liens described in this clause (vii)
         is permitted by Section 10.4(d) and (y) in all events, the Lien
         encumbering the asset so acquired or constructed does not encumber any
         other asset of the Borrower or such Subsidiary;

                  (h) easements, rights-of-way, restrictions, encroachments and
         other similar charges or encumbrances, and minor title deficiencies, in
         each case not securing Indebtedness and not materially interfering with
         the conduct of the business of the Borrower or any of its Subsidiaries;

                  (i) Liens arising from precautionary UCC financing statement
         filings regarding Operating Leases;

                  (j) Liens arising out of the existence of judgments or awards
         in respect of which the Borrower or any of its Subsidiaries shall in
         good faith be prosecuting an appeal or proceedings for review and in
         respect of which there shall have been secured a subsisting stay of
         execution pending such appeal or proceedings, provided that the
         aggregate amount of all cash and the fair market value of all other
         property subject to such Liens does not exceed $5,000,000 at any time
         outstanding;

                  (k) statutory and common law landlords' liens under leases to
         which the Borrower or any of its Subsidiaries is a party;

                  (l) Liens (other than Liens imposed under ERISA) incurred in
         the ordinary course of business in connection with workers compensation
         claims, unemployment insurance and social security benefits;

                  (m) Liens securing the performance of bids, tenders, leases
         and contracts in the ordinary course of business, statutory
         obligations, surety bonds, performance bonds and other obligations of a
         like nature incurred in the ordinary course of business and consistent
         with past practice (exclusive of obligations in respect of the payment
         for borrowed money), provided that the aggregate amount of all cash and
         the fair market value of all other property subject to all Liens
         permitted by this clause (xiii) shall not at any time exceed
         $1,500,000;

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                  (n) Liens on property or assets acquired pursuant to a
         Permitted Acquisition, or on property or assets of a Subsidiary of the
         Borrower in existence at the time such Subsidiary is acquired pursuant
         to a Permitted Acquisition, provided that (x) any Indebtedness that is
         secured by such Liens is permitted to exist under Section 10.4(h), and
         (y) such Liens are not incurred in connection with, or in contemplation
         or anticipation of, such Permitted Acquisition and do not attach to any
         other asset of the Borrower or any of its Subsidiaries;

                  (o) Liens in favor of customs and revenue authorities arising
         as a matter of law to secure payment of customs duties in connection
         with the importation of goods;

                  (p) Liens which constitute rights of set-off of a customary
         nature or bankers' Liens with respect to amounts on deposit, whether
         arising by operation of law or by contract, in connection with
         arrangements entered into with banks in the ordinary course of
         business;

                  (q) Liens on insurance proceeds securing the payment of
         financed insurance premiums;

                  (r) Liens securing Interest Rate Protection Agreements and
         Other Hedging Agreements; and

                  (s) Permitted Encumbrances.

In connection with the granting of Liens of the type described in clauses (vi)
and (vii) of this Section 10.1 by the Borrower or any of its Subsidiaries, the
Administrative Agent and the Collateral Agent shall be authorized to take any
actions deemed appropriate by it in connection therewith (including, without
limitation, by executing appropriate lien releases or lien subordination
agreements in favor of the holder or holders of such Liens, in either case
solely with respect to the item or items of equipment or other assets subject to
such Liens).

                  Section 10.2 Consolidation, Merger, Purchase or Sale of
Assets, etc. The Borrower will not, and will not permit any of its Subsidiaries
to, wind up, liquidate or dissolve its affairs or enter into any transaction of
merger or consolidation, or convey, sell, lease or otherwise dispose of all or
any part of its property or assets, or enter into any sale-leaseback
transactions, or purchase or otherwise acquire (in one or a series of related
transactions) any part of the property or assets (other than purchases or other
acquisitions of inventory, materials and equipment in the ordinary course of
business) of any Person (or agree to do any of the foregoing at any future time
(unless such agreement relates to an action otherwise permitted by this Section
10.2, or to the extent that the respective action is not otherwise permitted by
this Section 10.2 (and the Loans will not be repaid in full, and all Commitments
terminated, at the time of the consummation of the respective action), such
agreement expressly provides that the consent of the requisite percentage of
Lenders hereunder is required to be obtained in connection therewith)), except
that:

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                  (a) Capital Expenditures by the Companies shall be permitted
         to the extent not in violation of Section 10.7;

                  (b) each of the Companies may make sales of inventory and
         license intellectual property in the ordinary course of business;

                  (c) each of the Companies may sell obsolete, uneconomic or
         worn-out equipment or materials in the ordinary course of business;

                  (d) Permitted Acquisitions may be made to the extent permitted
         by Section 9.15;

                  (e) each of the Companies may sell other assets (other than
         the capital stock of any Subsidiary Guarantor), so long as (v) no
         Default or Event of Default then exists or would result therefrom, (w)
         each such sale is in an arm's-length transaction and the Borrower or
         the respective Subsidiary receives at least fair market value (as
         determined in good faith by the Borrower or such Subsidiary, as the
         case may be), (x) the total consideration received by the Borrower or
         such Subsidiary is at least 75% cash and is paid at the time of the
         closing of such sale, (y) the Net Sale Proceeds therefrom are applied
         and/or reinvested as (and to the extent) required by Section 5.2(e) and
         (z) the aggregate amount of the proceeds received from all assets sold
         pursuant to this clause (v) shall not exceed $5,000,000 in any fiscal
         year of the Borrower;

                  (f) Investments may be made to the extent permitted by Section
         10.5;

                  (g) each of the Companies may lease (as lessee) real or
         personal property (so long as any such lease does not create a
         Capitalized Lease Obligation except to the extent permitted by Section
         10.4(d));

                  (h) each of the Companies may sell or discount, in each case
         without recourse and in the ordinary course of business, accounts
         receivable arising in the ordinary course of business, but only in
         connection with the compromise or collection thereof and not as part of
         any financing transaction;

                  (i) each of the Companies may grant leases or subleases to
         other Persons not materially interfering with the conduct of the
         business of the Borrower or any of its Subsidiaries;

                  (j) any Subsidiary of the Borrower (i) may be merged or
         consolidated with or into the Borrower or liquidated so long as the
         Borrower is the surviving corporation of such merger or consolidation
         or receives the assets of such Subsidiary upon such liquidation and
         (ii) may transfer its assets to the Borrower or to any Subsidiary
         Guarantor; and

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                  (k) any Subsidiary of the Borrower may be merged or
         consolidated with or into any other Subsidiary of the Borrower or
         liquidated so long as (i) in the case of any (x) such merger or
         consolidation involving a Subsidiary Guarantor, a Subsidiary Guarantor
         is the surviving corporation of such merger or consolidation or (y)
         such liquidation involving a Subsidiary Guarantor, a Subsidiary
         Guarantor receives the assets of such Subsidiary upon such liquidation
         and (ii) in the case of any (x) such merger or consolidation involving
         a Wholly-Owned Subsidiary of the Borrower, in addition to the
         requirements of preceding clause (i)(x), a Wholly-Owned Subsidiary is
         the surviving corporation of such merger or consolidation or (y) such
         liquidation, in addition to the requirements of preceding clause
         (i)(y), a Wholly-Owned Subsidiary receives the assets of such
         Subsidiary upon such liquidation.

To the extent the Required Lenders waive the provisions of this Section 10.2
with respect to the sale of any Collateral, or any Collateral is sold as
permitted by this Section 10.2 (other than to the Borrower or a Subsidiary
thereof), such Collateral shall be sold free and clear of the Liens created by
the Security Documents, and the Administrative Agent and the Collateral Agent
shall be authorized to take any actions deemed appropriate in order to effect
the foregoing.

                  Section 10.3 Dividends. The Borrower will not, and will not
permit any of its Subsidiaries to, authorize, declare or pay any Dividends with
respect to the Borrower or any of its Subsidiaries, except that:

                  (a) any Subsidiary of the Borrower may pay cash Dividends to
         the Borrower or to any Wholly-Owned Subsidiary of the Borrower;

                  (b) any non-Wholly-Owned Subsidiary of the Borrower may pay
         cash Dividends to its shareholders generally so long as the Borrower or
         its respective Subsidiary which owns the equity interest in the
         Subsidiary paying such Dividends receives at least its proportionate
         share thereof (based upon its relative holding of the equity interest
         in the Subsidiary paying such Dividends and taking into account the
         relative preferences, if any, of the various classes of equity
         interests of such Subsidiary);

                  (c) with prior written consent of the Required Lenders and so
         long as there shall exist no Default or Event of Default (both before
         and after giving effect to the payment thereof), the Borrower may
         repurchase outstanding shares of its common stock (or options to
         purchase such common stock) following the death, disability or
         termination of employment of officers, directors or employees of the
         Borrower or any of its Subsidiaries, provided that the aggregate amount
         of Dividends paid by the Borrower pursuant to this clause (iii) shall
         not exceed $500,000 in any fiscal year of the Borrower;

                  (d) the Borrower may pay regularly scheduled Dividends on its
         Qualified Preferred Stock pursuant to the terms thereof solely through
         the issuance of additional shares of such Qualified Preferred Stock
         rather than in cash;

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                  (e) with the prior written consent of the Required Lenders,
         the Borrower may redeem its outstanding preferred stock purchase rights
         issued under the Borrower's stockholder's rights plan in an aggregate
         amount not to exceed $500,000;

                  (f) the Borrower may pay cash Dividends in relation to its
         common stock on a pro rata basis, provided that before and after giving
         effect to the payment thereof, (a) no Default or Event of Default shall
         exist, and (b) the aggregate amount of all cash Dividends under this
         Section 10.3(f) shall not exceed (i) $10,000,000 during the first loan
         year, (ii) $15,000,000 during the second loan year and (iii)
         $20,000,000 during any loan year after the second loan year, with each
         loan year being a period of one year ending on the day before the
         anniversary of the date hereof.

                  Section 10.4 Indebtedness. The Borrower will not, and will not
permit any of its Subsidiaries to, contract, create, incur, assume or suffer to
exist any Indebtedness, except the following (collectively, "Permitted
Indebtedness"):

                  (a) Indebtedness incurred pursuant to this Agreement and the
         other Credit Documents;

                  (b) Existing Indebtedness outstanding on the Closing Date and
         listed on Schedule 4 of the Disclosure Letter, without giving effect to
         any subsequent extension, renewal or refinancing thereof except to the
         extent set forth on such Schedule 4, provided that the aggregate
         principal amount of the Indebtedness to be extended, renewed or
         refinanced does not increase from that amount outstanding at the time
         of any such extension, renewal or refinancing;

                  (c) Indebtedness under Interest Rate Protection Agreements in
         notional amounts not to exceed the outstanding Loans pursuant to this
         Agreement, such Interest Rate Protection Agreements to be reasonably
         acceptable to the Administrative Agent and entered into with respect to
         other Indebtedness permitted under this Section 10.4;

                  (d) Indebtedness of the Companies evidenced by Capitalized
         Lease Obligations (to the extent permitted pursuant to Section 10.7 and
         10.8) and purchase money Indebtedness described in Section 10.1(g),
         provided that in no event shall the sum of the aggregate principal
         amount of all Capitalized Lease Obligations and purchase money
         Indebtedness permitted by this clause (iv) exceed $10,000,000 at any
         time outstanding;

                  (e) intercompany Indebtedness among the Companies to the
         extent permitted by Sections 10.5(k), (m), (n), (o) and (p);

                  (f) Indebtedness consisting of guaranties by the Companies of
         Indebtedness of the Companies otherwise permitted to be incurred under
         this Section 10.4;

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                  (g)      Indebtedness under Other Hedging Agreements providing
         protection against fluctuations in currency values in connection with
         the Borrower's or any of its Subsidiaries' operations so long as
         management of the Borrower or such Subsidiary, as the case may be, has
         determined that the entering into of such Other Hedging Agreements are
         bona fide hedging activities and are not for speculative purposes;

                  (h)      the Indenture Indebtedness and Indebtedness of a
         Subsidiary acquired pursuant to a Permitted Acquisition (or
         Indebtedness assumed at the time of a Permitted Acquisition of an asset
         securing such Indebtedness), provided that (x) such Indebtedness was
         not incurred in connection with, or in anticipation or contemplation
         of, such Permitted Acquisition, (y) such Indebtedness does not
         constitute debt for borrowed money (other than debt for borrowed money
         incurred in connection with industrial revenue or industrial
         development bond financings), it being understood and agreed that
         Capitalized Lease Obligations and purchase money Indebtedness of the
         type described in Section 10.1(g) shall not constitute debt for
         borrowed money for purposes of this clause (y), and (z) at the time of
         such Permitted Acquisition, the aggregate of all Indebtedness permitted
         under this clause (ix) does not exceed the greater of $5,000,000 or 15%
         of the total value of the assets of all Subsidiaries (or assets) so
         acquired since the Closing Date hereof;

                  (i)      Indebtedness arising from the honoring by a bank or
         other financial institution of a check, draft or similar instrument
         inadvertently (except in the case of daylight overdrafts) drawn against
         insufficient funds in the ordinary course of business, so long as such
         Indebtedness not otherwise constituting Indebtedness permitted under
         this Section 10.4 is extinguished within two Business Days of the
         incurrence thereof;

                  (j) Indebtedness in respect of bid, performance, advance
         payment or surety bonds entered into in the ordinary course of business
         and consistent with past practices in an aggregate amount not to exceed
         $1,500,000 at any time outstanding; and

                  (k)      so long as no Default or Event of Default then exists
         or would result therefrom, additional unsecured Indebtedness incurred
         by the Companies in an aggregate principal amount not to exceed
         $10,000,000 at any one time outstanding.

                  Section 10.5 Advances, Investments and Loans. The Borrower
will not, and will not permit any of its Subsidiaries to, directly or
indirectly, lend money or credit or make advances to any Person, or purchase or
acquire any stock, obligations or securities of, or any other interest in, or
make any capital contribution to, any other Person, or purchase or own a futures
contract or otherwise become liable for the purchase or sale of currency or
other commodities at a future date in the nature of a futures contract, or hold
any cash or Cash Equivalents (each of the foregoing an "Investment" and,
collectively, "Investments"), except that the following shall be permitted:

                                      -90-
<PAGE>

                  (a)      the Companies may acquire and hold accounts
         receivables owing to any of them, if created or acquired in the
         ordinary course of business and payable or dischargeable in accordance
         with customary trade terms of the Borrower or such Subsidiary;

                  (b)      the Companies may acquire and hold cash and Cash
         Equivalents;

                  (c)      the Companies may hold the Investments held by them
         on the Closing Date and described on Schedule 7 of the Disclosure
         Letter, provided that any additional Investments made with respect
         thereto shall be permitted only if independently justified under the
         other provisions of this Section 10.5;

                  (d)      the Companies may acquire and own investments
         (including debt obligations) received in connection with the bankruptcy
         or reorganization of suppliers and customers and in good faith
         settlement of delinquent obligations of, and other disputes with,
         customers and suppliers arising in the ordinary course of business;

                  (e)      the Companies may make loans and advances in the
         ordinary course of business to their respective employees so long as
         the aggregate principal amount thereof at any time outstanding
         (determined without regard to any write-downs or write-offs of such
         loans and advances) shall not exceed $500,000;

                  (f)      to the extent permitted by law, the Borrower may
         acquire and hold obligations of one or more officers or other employees
         of the Borrower or any of its Subsidiaries in connection with such
         officers' or employees' acquisition of shares of common stock of the
         Borrower provided, however, that (a) no cash is paid by the Borrower or
         any of its Subsidiaries to such officers or employees in connection
         with the acquisition of any such obligations, and (b) the aggregate of
         all such obligations shall not exceed $3,000,000 at any one time
         outstanding.

                  (g)      the Companies may enter into Interest Rate Protection
         Agreements to the extent permitted by Section 10.4(c);

                  (h)      the Companies may enter into Other Hedging Agreement
         to the extent permitted by Section 10.4(g);

                  (i)      Permitted Acquisitions shall be permitted in
         accordance with Section 9.15;

                  (j)      the Companies may acquire and hold promissory notes
         and other non-cash consideration issued by the purchaser of assets in
         connection with a sale of such assets to the extent permitted by
         Sections 10.2(d) and (e);

                  (k)      the Borrower and the Subsidiary Guarantors may make
         Intercompany Loans between or among one another, so long as each
         Intercompany Loan shall be

                                      -91-
<PAGE>

         evidenced by an Intercompany Note that is pledged to the Collateral
         Agent pursuant to the Pledge Agreement;

                  (l)      the Borrower may make equity contributions to the
         capital of the Subsidiary Guarantors and the Subsidiary Guarantors may
         make equity contributions to the capital of their respective
         Subsidiaries which are Subsidiary Guarantors, provided that the
         Borrower may not contribute a material portion of its non-cash assets
         to the Subsidiary Guarantors;

                  (m)      the Credit Parties may make Intercompany Loans and/or
         cash equity contributions to Wholly-Owned Foreign Subsidiaries for the
         purpose of enabling such Wholly-Owned Foreign Subsidiaries to
         consummate a Permitted Acquisition or to make Capital Expenditures so
         long as (i) each such Investment that is made as an Intercompany Loan
         shall be evidenced by an Intercompany Note that is pledged to the
         Collateral Agent pursuant to the Pledge Agreement, (ii) no more than
         $1,000,000 of such Investments in the aggregate may be made in any
         fiscal year of the Borrower for Permitted Acquisitions and (iii) no
         more than $1,000,000 of such Investments in the aggregate may be made
         in any fiscal year of the Borrower for Capital Expenditures;

                  (n)      the Borrower and its Wholly-Owned Subsidiaries may
         make additional Intercompany Loans and/or cash equity contributions to
         their respective Wholly-Owned Foreign Subsidiaries for the purpose of
         enabling such Subsidiaries to make an Investment permitted by Section
         10.5(p) so long as (i) each such Investment that is made as an
         Intercompany Loan shall be evidenced by an Intercompany Note that is
         pledged to the Collateral Agent pursuant to the Pledge Agreement and
         (ii) no more than $1,000,000 of such Investments in the aggregate may
         be made;

                  (o)      Wholly-Owned Foreign Subsidiaries may make
         intercompany loans (i) between or among one another and (ii) to any
         Credit Party so long as each such Intercompany Loan made to Credit
         Party shall contain (and shall be subject to) the subordination
         provisions described in Exhibit K; and

                  (p) so long as no Default or Event of Default then exists or
         would result therefrom, the Borrower and its Subsidiaries may make
         additional Investments so long as the aggregate amount of all such
         Investments made in any fiscal year pursuant to this subsection (p)
         does not exceed $3,000,000.

                  Section 10.6 Transactions with Affiliates. The Borrower will
not, and will not permit any of its Subsidiaries to, enter into any transaction
or series of related transactions, whether or not in the ordinary course of
business, with any Affiliate of the Borrower or any of its Subsidiaries, other
than in the ordinary course of business and on terms and conditions
substantially as favorable to the Borrower or such Subsidiary as would
reasonably be obtained by the Borrower or such Subsidiary at that time in a
comparable arm's-length transaction with a Person other than an Affiliate,
except that the following in any event shall be permitted:

                                      -92-
<PAGE>

                  (a)      Dividends may be paid to the extent provided in
         Section 10.3;

                  (b)      loans may be made and other transactions may be
         entered into by the Companies to the extent permitted by Sections 10.2,
         10.4 and 10.5;

                  (c)      customary fees may be paid to non-officer directors
         of the Borrower and its Subsidiaries;

                  (d)      the Companies may enter into, and may make payments
         under, employment agreements, employee benefits plans, stock option
         plans, indemnification provisions and other similar compensatory
         arrangements with officers, employees and directors of the Companies in
         the ordinary course of business;

                  (e)      transactions exclusively between or among the
         Borrower and any of its Wholly-Owned Subsidiaries or exclusively
         between or among such Wholly-Owned Subsidiaries, provided that such
         transactions are not otherwise prohibited by the Credit Documents;

                  (f)      any agreement as in effect as of the Closing Date or
         any amendment thereto or any transaction contemplated thereby
         (including pursuant to any amendment thereto) in any replacement
         agreement thereto so long as any such amendment or replacement
         agreement is not more disadvantageous to the Lenders in any material
         respect than the original agreement as in effect on the Closing Date;
         and

                  (g)      transactions with Annapurna Corporation aggregating
         not more than $500,000 in any fiscal year of the Borrower.

                  Section 10.7 Consolidated Fixed Charge Coverage Ratio. The
Borrower will not permit the Consolidated Fixed Charge Coverage Ratio for any
Test Period to be less than 1.15 to 1.

                  Section 10.8 Consolidated Total Leverage Ratio. During each
period described below, the Borrower will not permit the Consolidated Total
Leverage Ratio at any time to be greater than the ratio set forth opposite such
period:

<TABLE>
<CAPTION>
               Period                     Consolidated Total
                                          Leverage Ratio
<S>                                       <C>
Closing Date through March 31, 2007           2.50 to 1
April 1, 2007 through March 31, 2008          2.25 to 1
April 1, 2008 and thereafter                  2.00 to 1
</TABLE>

                  Section 10.9 Consolidated Net Worth. The Borrower will not
permit the Consolidated Net Worth as of the end of any fiscal quarter of the
Borrower to be less than the sum of (a) 80% of Consolidated Net Worth as of
December 31, 2003, (b) an amount equal to

                                      -93-
<PAGE>

50% of the Consolidated Net Income (with no deduction for any net loss in any
such fiscal quarter) earned in each fiscal quarter ending after December 31,
2003, plus (c) an amount equal to 100% of the aggregate increases in
shareholders' equity of the Companies after the Closing Date by reason of the
issuance and sale of capital stock of the Borrower for cash consideration
(including upon any conversion of debt securities of the Borrower into such
capital stock).

                  Section 10.10 Modifications of Certificate of Incorporation,
By-Laws and Certain Other Agreements, etc. The Borrower will not, and will not
permit any of its Subsidiaries to amend, modify or change its certificate or
articles of incorporation (including, without limitation, by the filing or
modification of any certificate or articles of designation) or by-laws (or the
equivalent organizational documents) or any agreement entered into by it with
respect to its capital stock (including any Shareholders' Agreement), or enter
into any new agreement with respect to its capital stock, unless such amendment,
modification, change or other action could not reasonably be expected to be
adverse to the interests of the Lenders in any material respect.

                  Section 10.11 Limitation on Certain Restrictions on
Subsidiaries. The Borrower will not, and will not permit any of its Subsidiaries
to, directly or indirectly, create or otherwise cause or suffer to exist or
become effective any encumbrance or restriction on the ability of any such
Subsidiary to (a) pay dividends or make any other distributions on its capital
stock or any other interest or participation in its profits owned by the
Borrower or any Subsidiary of the Borrower, or pay any Indebtedness owed to the
Borrower or any Subsidiary of the Borrower, (b) make loans or advances to the
Borrower or any Subsidiary of the Borrower or (c) transfer any of its properties
or assets to the Borrower or any Subsidiary of the Borrower, except for such
encumbrances or restrictions existing under or by reason of (i) applicable law,
(ii) this Agreement and the other Credit Documents, (iii) the Indenture and
related documents, (iv) customary provisions restricting subletting or
assignment of any lease governing a leasehold interest of the Borrower or any
Subsidiary of the Borrower, (v) customary provisions restricting assignment of
any licensing agreement (in which the Borrower or such Subsidiary is the
licensee) or other contract entered into by the Borrower or any Subsidiary of
the Borrower in the ordinary course of business, (vi) any instrument governing
Indebtedness described in Section 10.4(h), which restriction is not applicable
to any Person, or the property or assets of any Person, other than the Person or
the properties or assets acquired pursuant to any such Permitted Acquisition,
(vii) agreements existing on the Closing Date to the extent and in the manner
such agreements are in effect on the Closing Date, (viii) any agreement for the
sale or disposition of capital stock or assets of any Subsidiary, provided that
such encumbrances and restrictions are only applicable to such Subsidiary or
assets, as applicable, and any such sale or disposition is made in compliance
with Section 10.2, and (ix) restrictions on the transfer of any asset subject to
a Lien permitted by Section 10.1(e), (f) or (g).

                                      -94-
<PAGE>

             Section 10.12 Limitation on Issuance of Capital Stock.

                  (a)      The Borrower will not, and will not permit any of its
         Subsidiaries to, issue (i) any preferred stock other than Qualified
         Preferred Stock of the Borrower or (ii) any redeemable common stock
         other than common stock that is redeemable at the sole option of the
         Borrower or such Subsidiary, as the case may be.

                  (b)      The Borrower will not permit any of its Subsidiaries
         to issue any capital stock (including by way of sales of treasury
         stock) or any options or warrants to purchase, or securities
         convertible into, capital stock, except (i) for transfers and
         replacements of then outstanding shares of capital stock, (ii) for
         stock splits, stock dividends and issuances which do not decrease the
         percentage ownership of the Borrower or any of its Subsidiaries in any
         class of the capital stock of such Subsidiary, (iii) to qualify
         directors to the extent required by applicable law, (iv) for issuances
         to the Borrower or a Wholly-Owned Subsidiary thereof or (v) for
         issuances by newly created or acquired Subsidiaries in accordance with
         the terms of this Agreement.

                  Section 10.13 Business. The Borrower will not, and will not
permit any of its Subsidiaries to, engage in any business other than the
business engaged in by the Companies as of the Closing Date and reasonable
extensions thereof and other businesses that are complementary or reasonably
related thereto. Notwithstanding anything to the contrary contained in this
Agreement, the Borrower will not permit any Inactive Subsidiary to engage in any
business activities, to have any material liabilities or to own assets with an
aggregate value in excess of $250,000.

                  Section 10.14 Limitation on Creation of Subsidiaries. The
Borrower will not, and will not permit any of its Subsidiaries to, establish,
create or acquire after the Closing Date any Subsidiary, provided that the
Borrower and its Wholly-Owned Subsidiaries shall be permitted to establish,
create or, to the extent permitted by this Agreement, acquire Wholly-Owned
Subsidiaries and, to the extent permitted by Section 10.5(p) and the definition
of "Permitted Acquisition", non-Wholly-Owned Subsidiaries, so long as

                  (a)      the equity interests of each such new Subsidiary (to
         the extent owned by a Credit Party) is pledged pursuant to, and to the
         extent required by, the Pledge Agreement,

                  (b)      each such new Domestic Subsidiary (and, to the extent
         required by Section 9.13, each such new Foreign Subsidiary) executes a
         counterpart of the Subsidiaries' Guaranty, the Pledge Agreement and the
         Security Agreement, and

                  (c)      each such new Domestic Subsidiary (and, to the extent
         required by Section 9.13, each such new Foreign Subsidiary), to the
         extent requested by the Administrative Agent or the Required Lenders,
         takes all actions required pursuant to Section 9.11.

                                      -95-
<PAGE>

In addition, each such new Domestic Subsidiary (and, to the extent required by
Section 9.13, each such new Foreign Subsidiary) shall execute and deliver, or
cause to be executed and delivered, all other relevant documentation of the type
described in Article VI as such new Subsidiary would have had to deliver if such
new Subsidiary were a Credit Party on the Closing Date.

                  Section 10.15 Operating Leases. The Borrower will not permit
the aggregate obligations of the Companies with respect to Operating Leases to
exceed $9,000,000 in any fiscal year.

                                   ARTICLE XI

                                EVENTS OF DEFAULT

                  Section 11.1 Events of Default. The occurrence of any of the
following specified events shall constitute an Event of Default (each an "Event
of Default"):

                  (a)      PAYMENTS. The Borrower shall (i) default in the
         payment when due of any principal of any Loan or any Note or (ii)
         default, and such default shall continue unremedied for three or more
         Business Days, in the payment when due of any interest on any Loan or
         Note, any Unpaid Drawing or any Fees or any other amounts owing
         hereunder or thereunder; or

                  (b)      REPRESENTATIONS, ETC. Any representation, warranty or
         statement made or deemed made by any Credit Party herein or in any
         other Credit Document or in any certificate delivered to the
         Administrative Agent or any Lender pursuant hereto or thereto shall
         prove to be untrue in any material respect on the date as of which made
         or deemed made; or

                  (c)      COVENANTS. The Borrower or any of its Subsidiaries
         shall (i) default in the due performance or observance by it of any
         term, covenant or agreement contained in Section 8.8(b), 9.1(g)(i),
         9.8, 9.12, 9.14, 9.15 or Article X or (ii) default in the due
         performance or observance by it of any other term, covenant or
         agreement contained in this Agreement or any other Credit Document
         (other than those set forth in Sections 11.1(a) and (b)) and such
         default shall continue unremedied for a period of 30 days after written
         notice thereof to the defaulting party by the Administrative Agent or
         the Required Lenders; or

                  (d)      DEFAULT UNDER OTHER AGREEMENTS. (i) The Borrower or
         any of its Subsidiaries shall (x) default in any payment of any
         Indebtedness (other than the Obligations) beyond the period of grace,
         if any, provided in the instrument or agreement under which such
         Indebtedness was created or (y) default in the observance or
         performance of any agreement or condition relating to any Indebtedness
         (other than the Obligations) or contained in any instrument or
         agreement evidencing, securing or relating thereto, or any other event
         shall occur or condition exist, the effect of which default or other
         event or condition is to cause, or to permit

                                      -96-
<PAGE>

         the holder or holders of such Indebtedness (or a trustee or agent on
         behalf of such holder or holders) to cause (determined without regard
         to whether any notice is required), any such Indebtedness to become due
         prior to its stated maturity, or (ii) any Indebtedness (other than the
         Obligations) of the Borrower or any of its Subsidiaries shall be
         declared to be (or shall become) due and payable, or required to be
         prepaid other than by a regularly scheduled required prepayment, prior
         to the stated maturity thereof, provided that it shall not be a Default
         or an Event of Default under this Section 11.1(d) unless the aggregate
         principal amount of all Indebtedness as described in either of the
         preceding clauses (i) or (ii) is at least $5,000,000; or

                  (e)      BANKRUPTCY, ETC. The Borrower or any of its
         Subsidiaries shall commence a voluntary case concerning itself under
         Title 11 of the United States Code entitled "Bankruptcy," as now or
         hereafter in effect, or any successor thereto (the "Bankruptcy Code");
         or an involuntary case is commenced against the Borrower or any of its
         Subsidiaries, and the petition is not controverted within 10 days, or
         is not dismissed within 60 days, after commencement of the case; or a
         custodian (as defined in the Bankruptcy Code) is appointed for, or
         takes charge of, all or substantially all of the property of the
         Borrower or any of its Subsidiaries, or the Borrower or any of its
         Subsidiaries commences any other proceeding under any reorganization,
         arrangement, adjustment of debt, relief of debtors, dissolution,
         insolvency or liquidation or similar law of any jurisdiction whether
         now or hereafter in effect relating to the Borrower or any of its
         Subsidiaries, or there is commenced against the Borrower or any of its
         Subsidiaries any such proceeding which remains undismissed for a period
         of 60 days, or the Borrower or any of its Subsidiaries is adjudicated
         insolvent or bankrupt; or any order of relief or other order approving
         any such case or proceeding is entered; or the Borrower or any of its
         Subsidiaries suffers any appointment of any custodian or the like for
         it or any substantial part of its property to continue undischarged or
         unstayed for a period of 60 days; or the Borrower or any of its
         Subsidiaries makes a general assignment for the benefit of creditors;
         or any corporate action is taken by the Borrower or any of its
         Subsidiaries for the purpose of effecting any of the foregoing; or

                  (f)      ERISA.

                           (i)      Any Plan shall fail to satisfy the minimum
                  funding standard required for any plan year or part thereof
                  under Section 412 of the Code or Section 302 of ERISA or a
                  waiver of such standard or extension of any amortization
                  period is sought or granted under Section 412 of the Code or
                  Section 303 or 304 of ERISA, a Reportable Event shall have
                  occurred, a contributing sponsor (as defined in Section
                  4001(a)(13) of ERISA) of a Plan subject to Title IV of ERISA
                  shall be subject to the advance reporting requirement of PBGC
                  Regulation Section 4043.61 (without regard to subparagraph
                  (b)(1) thereof) or an advance notice of a Reportable Event is
                  filed (or is required to be filed) with the PBGC under Section
                  4043 of ERISA, any Plan which is subject to Title IV of ERISA
                  shall have had or is likely to

                                      -97-
<PAGE>

                  have a trustee appointed to administer such Plan, any Plan
                  which is subject to Title IV of ERISA is, shall have been or
                  is likely to be terminated or to be the subject of termination
                  proceedings under ERISA (other than a standard termination
                  under Section 4041(b) of ERISA), any Plan shall have an
                  Unfunded Current Liability, a contribution required to be made
                  with respect to a Plan or a Foreign Pension Plan has not been
                  timely made, the Borrower or any Subsidiary of the Borrower or
                  any ERISA Affiliate has incurred or is likely to incur any
                  liability to or on account of a Plan under Section 409,
                  502(i), 502(l) or 515 of ERISA, Title IV of ERISA (other than
                  for premiums due to the PBGC), or Section 401(a)(29), 4971 or
                  4975 of the Code, or a "default" within the meaning of Section
                  4219(c)(5) of ERISA shall occur with respect to any Plan, any
                  applicable law, rule or regulation is adopted, changed or
                  interpreted, or the interpretation or administration thereof
                  is changed, in each case after the date hereof, by any
                  governmental authority or agency or by any court (a "Change of
                  Law"), or, as a result of a Change in Law, an event occurs
                  following a Change in Law, with respect to or otherwise
                  affecting any Plan;

                           (ii)     there shall result from any such event or
                  events the imposition of a lien, the granting of a security
                  interest, or a liability or a material risk of incurring a
                  liability; and

                           (iii) such lien, security interest or liability,
                  individually and/or in the aggregate, in the reasonable
                  opinion of the Required Lenders, has had, or could reasonably
                  be expected to have, a Material Adverse Effect; or

                  (g)      SECURITY DOCUMENTS. At any time after the execution
         and delivery thereof, any of the Security Documents shall cease to be
         in full force and effect, or shall cease to give the Collateral Agent
         for the benefit of the Secured Creditors the Liens, rights, powers and
         privileges purported to be created thereby (including, without
         limitation, a perfected security interest in, and Lien on, all of the
         Collateral (other than an immaterial portion thereof), in favor of the
         Collateral Agent, superior to and prior to the rights of all third
         Persons (except as permitted by Section 10.1), and subject to no other
         Liens (except as permitted by Section 10.1); or

                  (h)      SUBSIDIARIES' GUARANTY. At any time after the
         execution and delivery thereof, the Subsidiaries' Guaranty or any
         provision thereof shall cease to be in full force or effect as to any
         Subsidiary Guarantor, or any Subsidiary Guarantor or any Person acting
         by or on behalf of such Subsidiary Guarantor shall deny or disaffirm
         such Subsidiary Guarantor's obligations under the Subsidiaries'
         Guaranty or any Subsidiary Guarantor shall default in the due
         performance or observance of any term, covenant or agreement on its
         part to be performed or observed pursuant to the Subsidiaries'
         Guaranty; or

                  (i)      JUDGMENTS. One or more judgments or decrees shall be
         entered against the Borrower or any Subsidiary of the Borrower
         involving in the aggregate for the

                                      -98-
<PAGE>

         Companies a liability (not paid or fully covered by a reputable and
         solvent insurance company) and such judgments and decrees either shall
         be final and non-appealable or shall not be vacated, discharged or
         stayed or bonded pending appeal for any period of 30 consecutive days,
         and the aggregate amount of all such judgments equals or exceeds
         $5,000,000;

                  (j)      CHANGE OF CONTROL. A Change of Control shall occur;
         or

                  (k) INDENTURE INDEBTEDNESS. The Indenture shall not have been
         discharged under Section 8.06 of the Indenture before the 71st day
         after the Closing Date.

                  Section 11.2 Remedies. While an Event of Default exists, the
Administrative Agent, upon the written request of the Required Lenders, shall by
written notice to the Borrower, take any or all of the following actions,
without prejudice to the rights of the Administrative Agent, any Lender or the
holder of any Note to enforce its claims against any Credit Party (provided
that, if an Event of Default specified in Section 11.1(e) shall occur with
respect to the Borrower, the result which would occur upon the giving of written
notice by the Administrative Agent as specified in clauses (i) and (ii) below
shall occur automatically without the giving of any such notice):

                  (a)      declare the Total Commitment terminated, whereupon
         all Commitments of each Lender shall forthwith terminate immediately
         and any Commitment Fee shall forthwith become due and payable without
         any other notice of any kind;

                  (b)      declare the principal of and any accrued interest in
         respect of all Loans and the Notes and all Obligations owing hereunder
         and thereunder to be, whereupon the same shall become, forthwith due
         and payable without presentment, demand, protest or other notice of any
         kind, all of which are hereby waived by each Credit Party;

                  (c)      terminate any Letter of Credit which may be
         terminated in accordance with its terms;

                  (d)      direct the Borrower to pay (and the Borrower agrees
         that upon receipt of such notice, or upon the occurrence of an Event of
         Default specified in Section 11.1(e) with respect to the Borrower, it
         will pay) to the Collateral Agent at the Payment Office such additional
         amount of cash or Cash Equivalents, to be held as security by the
         Collateral Agent, as is equal to the aggregate Stated Amount of all
         Letters of Credit issued for the account of the Borrower and then
         outstanding;

                  (e)      enforce, as Collateral Agent, all of the Liens and
         security interests created pursuant to the Security Documents; and

                  (f)      apply any cash collateral held by the Administrative
         Agent pursuant to Section 5.2 to the repayment of the Obligations.

                                      -99-
<PAGE>

                                   ARTICLE XII

                            THE ADMINISTRATIVE AGENT.

                  Section 12.1 Appointment. The Lenders hereby irrevocably
designate Wells Fargo as Administrative Agent (for purposes of this Article XII,
the term "Administrative Agent" also shall include Wells Fargo in its capacity
as Collateral Agent pursuant to the Security Documents) to act as specified
herein and in the other Credit Documents. Each Lender hereby irrevocably
authorizes, and each holder of any Note by the acceptance of such Note shall be
deemed irrevocably to authorize, the Administrative Agent to take such action on
their behalf under the provisions of this Agreement, the other Credit Documents
and any other instruments and agreements referred to herein or therein and to
exercise such powers and to perform such duties hereunder and thereunder as are
specifically delegated to or required of the Administrative Agent by the terms
hereof and thereof and such other powers as are reasonably incidental thereto.
The Administrative Agent may perform any of their respective duties hereunder by
or through its officers, directors, agents, employees or affiliates.

                  Section 12.2 Nature of Duties. The Administrative Agent shall
not have any duties or responsibilities except those expressly set forth in this
Agreement and in the other Credit Documents. Neither the Administrative Agent
nor any of its officers, directors, agents, employees or affiliates shall be
liable for any action taken or omitted by them hereunder or under any other
Credit Document or in connection herewith or therewith, unless caused by its or
their gross negligence or willful misconduct (as determined by a court of
competent jurisdiction in a final and non-appealable decision). The duties of
the Administrative Agent shall be mechanical and administrative in nature; the
Administrative Agent shall not have by reason of this Agreement or any other
Credit Document a fiduciary relationship in respect of any Lender or the holder
of any Note; and nothing in this Agreement or in any other Credit Document,
expressed or implied, is intended to or shall be so construed as to impose upon
the Administrative Agent any obligations in respect of this Agreement or any
other Credit Document except as expressly set forth herein or therein.

                  Section 12.3 Lack of Reliance on the Administrative Agent.
Independently and without reliance upon the Administrative Agent, each Lender
and the holder of each Note, to the extent it deems appropriate, has made and
shall continue to make (i) its own independent investigation of the financial
condition and affairs of the Companies in connection with the making and the
continuance of the Loans and the taking or not taking of any action in
connection herewith and (ii) its own appraisal of the creditworthiness of the
Companies and, except as expressly provided in this Agreement, the
Administrative Agent shall not have any duty or responsibility, either initially
or on a continuing basis, to provide any Lender or the holder of any Note with
any credit or other information with respect thereto, whether coming into its
possession before the making of the Loans or at any time or times thereafter.
The Administrative Agent shall not be responsible to any Lender or the holder of
any Note for any recitals, statements, information, representations or
warranties herein or in any document, certificate or other writing delivered in
connection herewith or for

                                      -100-
<PAGE>

the execution, effectiveness, genuineness, validity, enforceability, perfection,
collectibility, priority or sufficiency of this Agreement or any other Credit
Document or the financial condition of the Borrower or any of its Subsidiaries
or be required to make any inquiry concerning either the performance or
observance of any of the terms, provisions or conditions of this Agreement or
any other Credit Document, or the financial condition of the Borrower or any of
its Subsidiaries or the existence or possible existence of any Default or Event
of Default.

                  Section 12.4 Certain Rights of the Administrative Agent. If
the Administrative Agent shall request instructions from the Required Lenders
with respect to any act or action (including failure to act) in connection with
this Agreement or any other Credit Document, the Administrative Agent shall be
entitled to refrain from such act or taking such action unless and until the
Administrative Agent shall have received instructions from the Required Lenders;
and the Administrative Agent shall not incur liability to any Lender by reason
of so refraining. Without limiting the foregoing, neither any Lender nor the
holder of any Note shall have any right of action whatsoever against the
Administrative Agent as a result of the Administrative Agent acting or
refraining from acting hereunder or under any other Credit Document in
accordance with the instructions of the Required Lenders.

                  Section 12.5 Reliance. The Administrative Agent shall be
entitled to rely, and shall be fully protected in relying, upon any note,
writing, resolution, notice, statement, certificate, telex, teletype or
telecopier message, cablegram, radiogram, order or other document or telephone
message signed, sent or made by any Person that the Administrative Agent
believed to be the proper Person, and, with respect to all legal matters
pertaining to this Agreement and any other Credit Document and its duties
hereunder and thereunder, upon advice of counsel selected by the Administrative
Agent.

                  Section 12.6 Indemnification. To the extent the Administrative
Agent (or any affiliate thereof) is not reimbursed and indemnified by the
Borrower, the Lenders will reimburse and indemnify the Administrative Agent (and
any affiliate thereof) in proportion to their respective "percentage" as used in
determining the Required Lenders (determined as if there were no Defaulting
Lenders) for and against any and all liabilities, obligations, losses, damages,
penalties, claims, actions, judgments, costs, expenses or disbursements of
whatsoever kind or nature which may be imposed on, asserted against or incurred
by the Administrative Agent (or any affiliate thereof) in performing its duties
hereunder or under any other Credit Document or in any way relating to or
arising out of this Agreement or any other Credit Document; provided that no
Lender shall be liable for any portion of such liabilities, obligations, losses,
damages, penalties, actions, judgments, suits, costs, expenses or disbursements
resulting from the Administrative Agent's gross negligence or willful misconduct
(as determined by a court of competent jurisdiction in a final and
non-appealable decision).

                  Section 12.7 The Administrative Agent in its Individual
Capacity. With respect to its obligation to make Loans, or issue or participate
in Letters of Credit, under this

                                      -101-
<PAGE>

Agreement, the Administrative Agent shall have the rights and powers specified
herein for a "Lender" and may exercise the same rights and powers as though it
were not performing the duties specified herein; and the term "Lender,"
"Required Lenders", "holders of Notes" or any similar terms shall, unless the
context clearly otherwise indicates, include the Administrative Agent in its
respective individual capacities. The Administrative Agent and its affiliates
may accept deposits from, lend money to, and generally engage in any kind of
banking, investment banking, trust or other business with, or provide debt
financing, equity capital or other services (including financial advisory
services) to, any Company or any Affiliate of any Company (or any Person engaged
in a similar business with any Company or any Affiliate thereof) as if they were
not performing the duties specified herein, and may accept fees and other
consideration from any Company or any Affiliate of any Company for services in
connection with this Agreement and otherwise without having to account for the
same to the Lenders.

                  Section 12.8 Holders. The Administrative Agent may deem and
treat the payee of any Note as the owner thereof for all purposes hereof unless
and until a written notice of the assignment, transfer or endorsement thereof,
as the case may be, shall have been filed with the Administrative Agent. Any
request, authority or consent of any Person who, at the time of making such
request or giving such authority or consent, is the holder of any Note shall be
conclusive and binding on any subsequent holder, transferee, assignee or
indorsee, as the case may be, of such Note or of any Note or Notes issued in
exchange therefor.

                  Section 12.9 Resignation by the Administrative Agent.

                  (a)      The Administrative Agent may resign from the
         performance of all its respective functions and duties hereunder and/or
         under the other Credit Documents at any time by giving 15 Business Days
         prior written notice to the Lenders. Such resignation shall take effect
         upon the appointment of a successor Administrative Agent pursuant to
         clauses (b) and (c) below or as otherwise provided below.

                  (b)      Upon any such notice of resignation by the
         Administrative Agent, the Required Lenders shall appoint a successor
         Administrative Agent hereunder or thereunder who shall be a commercial
         bank or trust company reasonably acceptable to the Borrower which
         acceptance shall not be unreasonably withheld or delayed (provided that
         the Borrower's approval shall not be required if an Event of Default
         then exists).

                  (c)      If a successor Administrative Agent shall not have
         been so appointed within such 15 Business Day period, the
         Administrative Agent with the consent of the Borrower (which consent
         shall not be unreasonably withheld or delayed, provided that the
         Borrower's consent shall not be required if an Event of Default then
         exists), shall then appoint a successor Administrative Agent who shall
         serve as Administrative Agent hereunder or thereunder until such time,
         if any, as the Required Lenders appoint a successor Administrative
         Agent as provided above.

                                      -102-
<PAGE>

                  (d)      If no successor Administrative Agent has been
         appointed pursuant to clause (b) or (c) above by the 20th Business Day
         after the date such notice of resignation was given by the
         Administrative Agent, the Administrative Agent's resignation shall
         become effective and the Required Lenders shall thereafter perform all
         the duties of the Administrative Agent hereunder and/or under any other
         Credit Document until such time, if any, as the Required Lenders
         appoint a successor Administrative Agent as provided above.

                  Section 12.10 Issuing Lender. The Issuing Lender shall have
the rights and protections hereunder to the same extent as if it were the
Administrative Agent.

                                  ARTICLE XIII

                                 MISCELLANEOUS.

                  Section 13.1 Payment of Expenses, etc.  The Borrower shall:

                  (a)      whether or not the transactions herein contemplated
         are consummated, pay all reasonable out-of-pocket costs and expenses of
         the Administrative Agent (including, without limitation, the reasonable
         fees and disbursements of legal counsel of the Administrative Agent and
         of the Administrative Agent's consultants) in connection with the
         preparation, execution and delivery of this Agreement and the other
         Credit Documents and the documents and instruments referred to herein
         and therein and any amendment, waiver or consent relating hereto or
         thereto, of the Administrative Agent in connection with its syndication
         efforts with respect to this Agreement and of the Administrative Agent
         and, after the occurrence of an Event of Default, each of the Lenders
         in connection with the enforcement of this Agreement and the other
         Credit Documents and the documents and instruments referred to herein
         and therein or in connection with any refinancing or restructuring of
         the credit arrangements provided under this Agreement in the nature of
         a "work-out" or pursuant to any insolvency or bankruptcy proceedings
         (including, in each case without limitation, the reasonable fees and
         disbursements of counsel and consultants for the Administrative Agent
         and, after the occurrence of an Event of Default, counsel for each of
         the Lenders);

                  (b)      pay and hold the Administrative Agent and each of the
         Lenders harmless from and against any and all present and future stamp,
         excise and other similar documentary taxes with respect to the
         foregoing matters and save the Administrative Agent and each of the
         Lenders harmless from and against any and all liabilities with respect
         to or resulting from any delay or omission (other than to the extent
         attributable to the Administrative Agent or such Lender) to pay such
         taxes; and

                  (c)      indemnify the Administrative Agent and each Lender,
         and each of their respective officers, directors, employees,
         representatives, agents, affiliates, trustees and investment advisors
         from and hold each of them harmless against any and all liabilities,
         obligations (including removal or remedial actions), losses, damages,

                                      -103-
<PAGE>

         penalties, claims, actions, judgments, suits, costs, expenses and
         disbursements (including reasonable attorneys' and consultants' fees
         and disbursements) incurred by, imposed on or assessed against any of
         them as a result of, or arising out of, or in any way related to, or by
         reason of, (a) any investigation, litigation or other proceeding
         (whether or not the Administrative Agent or any Lender is a party
         thereto and whether or not such investigation, litigation or other
         proceeding is brought by or on behalf of any Credit Party) related to
         the entering into and/or performance of this Agreement or any other
         Credit Document or the use of any Letter of Credit or the proceeds of
         any Loans hereunder or any other transactions contemplated herein or in
         any other Credit Document or the exercise of any of their rights or
         remedies provided herein or in the other Credit Documents, or (b) the
         actual or alleged presence of Hazardous Materials in the air, surface
         water or groundwater or on the surface or subsurface of any Real
         Property owned, leased or at any time operated by the Borrower or any
         of its Subsidiaries, the generation, storage, transportation, handling
         or disposal of Hazardous Materials by the Borrower or any of its
         Subsidiaries at any location, whether or not owned, leased or operated
         by the Borrower or any of its Subsidiaries, the non-compliance of any
         Real Property with foreign, federal, state and local laws, regulations,
         and ordinances (including applicable permits thereunder) applicable to
         any Real Property, or any Environmental Claim asserted against the
         Borrower, any of its Subsidiaries or any Real Property owned, leased or
         at any time operated by the Borrower or any of its Subsidiaries,
         including, in each case, without limitation, the reasonable fees and
         disbursements of counsel and other consultants incurred in connection
         with any such investigation, litigation or other proceeding (but
         excluding any losses, liabilities, claims, damages or expenses to the
         extent incurred by reason of the gross negligence or willful misconduct
         of the Person to be indemnified (as determined by a court of competent
         jurisdiction in a final and non-appealable decision)).

To the extent that the undertaking to indemnify, pay or hold harmless the
Administrative Agent or any Lender set forth in the preceding sentence may be
unenforceable because it is violative of any law or public policy, the Borrower
shall make the maximum contribution to the payment and satisfaction of each of
the indemnified liabilities which is permissible under applicable law.

                  Section 13.2 Right of Setoff. In addition to any rights now or
hereafter granted under applicable law or otherwise, and not by way of
limitation of any such rights, upon the occurrence and during the continuance of
an Event of Default, the Administrative Agent and each Lender is hereby
authorized at any time or from time to time, without presentment, demand,
protest or other notice of any kind to any Credit Party or to any other Person,
any such notice being hereby expressly waived, to set off and to appropriate and
apply any and all deposits (general or special) and any other Indebtedness at
any time held or owing by the Administrative Agent or such Lender (including,
without limitation, by branches and agencies of such Lender wherever located) to
or for the credit or the account of any Credit Party against and on account of
the Obligations and liabilities of the Credit Parties to the Administrative
Agent or such Lender under this Agreement or under any of the other

                                      -104-
<PAGE>

Credit Documents, including, without limitation, all interests in Obligations
purchased by such Lender pursuant to Section 13.6(b), and all other claims of
any nature or description arising out of or connected with this Agreement or any
other Credit Document, irrespective of whether or not such Lender shall have
made any demand hereunder and although said Obligations, liabilities or claims,
or any of them, shall be contingent or unmatured.

                  Section 13.3 Notices. Except as otherwise expressly provided
herein, all notices and other communications provided for hereunder shall be in
writing (including telegraphic, telex, telecopier or cable communication) and
mailed, telegraphed, telexed, telecopied, cabled or delivered: if to any Credit
Party, at the address specified opposite its signature below or in the other
relevant Credit Documents; if to any Lender, at its address as set forth in the
Register; and if to the Administrative Agent, at the Notice Office; or, as to
any Credit Party or the Administrative Agent, at such other address as shall be
designated by such party in a written notice to the other parties hereto and, as
to each Lender, at such other address as shall be designated by such Lender in a
written notice to the Borrower and the Administrative Agent. All such notices
and communications shall, when mailed, telegraphed, telexed, telecopied, or
cabled or sent by overnight courier, be effective when deposited in the mails,
delivered to the telegraph company, cable company or overnight courier, as the
case may be, or sent by telex or telecopier, except that notices and
communications to the Administrative Agent and the Borrower shall not be
effective until received by the Administrative Agent or the Borrower, as the
case may be.

                  Section 13.4 Benefit of Agreement; Assignments;
         Participations.

                  (a)      RESTRICTIONS ON ASSIGNMENT BY BORROWER; PARTICIPANTS.
         This Agreement shall be binding upon and inure to the benefit of and be
         enforceable by the respective successors and assigns of the parties
         hereto; provided, however, the Borrower may not assign or transfer any
         of its rights, obligations or interest hereunder without the prior
         written consent of the Lenders and, provided further, that, although
         any Lender may transfer, assign or grant participations in its rights
         hereunder, such Lender shall remain a "Lender" for all purposes
         hereunder (and may not transfer or assign all or any portion of its
         Commitments hereunder except as provided in Sections 2.13 and 13.4(b))
         and the transferee, assignee or participant, as the case may be, shall
         not constitute a "Lender" hereunder and, provided further, that no
         Lender shall transfer or grant any participation under which the
         participant shall have rights to approve any amendment to or waiver of
         this Agreement or any other Credit Document except to the extent such
         amendment or waiver would

                           (i)      extend the final scheduled maturity of any
                  Loan, Note or Letter of Credit (unless such Letter of Credit
                  is not extended beyond the Revolving Loan Maturity Date) in
                  which such participant is participating, or reduce the rate or
                  extend the time of payment of interest or Fees thereon (except
                  in connection with a waiver of applicability of any
                  post-default increase in interest rates) or reduce the
                  principal amount thereof (it being understood that any
                  amendment or modification to the financial definitions in this
                  Agreement or to Section 13.7(a) shall not constitute a
                  reduction in the rate of interest or

                                      -105-
<PAGE>
                  Fees payable hereunder), or increase the amount of the
                  participant's participation over the amount thereof then in
                  effect (it being understood that a waiver of any Default or
                  Event of Default or of a mandatory reduction in the Total
                  Commitment shall not constitute a change in the terms of such
                  participation, and that an increase in any Commitment (or the
                  available portion thereof) or Loan shall be permitted without
                  the consent of any participant if the participant's
                  participation is not increased as a result thereof),

                           (ii)     consent to the assignment or transfer by the
                  Borrower of any of its rights and obligations under this
                  Agreement, or

                           (iii)    release all or substantially all of the
                  Collateral under all of the Security Documents (except as
                  expressly provided in the Credit Documents) supporting the
                  Loans or Letters of Credit hereunder in which such participant
                  is participating or release all or substantially all of the
                  Subsidiary Guarantors.

         In the case of any such participation, the participant shall not have
         any rights under this Agreement or any of the other Credit Documents
         (the participant's rights against such Lender in respect of such
         participation to be those set forth in the agreement executed by such
         Lender in favor of the participant relating thereto) and all amounts
         payable by the Borrower hereunder shall be determined as if such Lender
         had not sold such participation.

                  (b)      ASSIGNMENTS TO AFFILIATES. Notwithstanding the
         foregoing, any Lender (or any Lender together with one or more other
         Lenders) may (x) assign all or a portion of its Commitments and related
         outstanding Obligations (or, if the Commitments with respect to the
         relevant Tranche have terminated, outstanding Obligations) hereunder to
         (i) its parent company and/or any affiliate of such Lender which is at
         least 50% owned by such Lender or its parent company or to one or more
         Lenders or (ii) in the case of any Lender that is a fund that invests
         in loans, any other fund that invests in loans and is managed or
         advised by the same investment advisor of such Lender or by an
         Affiliate of such investment advisor or (y) assign all, or if less than
         all, a portion equal to at least $1,000,000 in the aggregate for the
         assigning Lender or assigning Lenders, of such Commitments and related
         outstanding Obligations (or, if the Commitments with respect to the
         relevant Tranche have terminated, outstanding Obligations) hereunder to
         one or more Eligible Transferees (treating any fund that invests in
         loans and any other fund that invests in loans and is managed or
         advised by the same investment advisor of such fund or by an Affiliate
         of such investment advisor as a single Eligible Transferee), each of
         which assignees shall become a party to this Agreement as a Lender by
         execution of an Assignment and Assumption Agreement, provided that,

                           (i)      upon the surrender of the relevant Notes by
                  the assigning Lender (or, upon such assigning Lender's
                  indemnifying the Borrower for any lost Note pursuant to a
                  customary indemnification agreement) new Notes will be issued,
                  at the Borrower's expense, to such new Lender and to the
                  assigning Lender upon the request of such new Lender or
                  assigning Lender, such new

                                      -106-
<PAGE>

                  Notes to be in conformity with the requirements of Section 2.5
                  (with appropriate modifications) to the extent needed to
                  reflect the revised Commitments and/or outstanding Loans, as
                  the case may be,

                           (ii)     the consent of the Administrative Agent
                  shall be required for any assignment to an Eligible Transferee
                  pursuant to clause (y) above (such consent not to be
                  unreasonably withheld or delayed),

                           (iii)    so long as no Default or Event of Default
                  then exists, the consent of the Borrower shall be required for
                  any assignment to an Eligible Transferee pursuant to clause
                  (y) above that occurs after the 30th day following the Closing
                  Date (such consent not to be unreasonably withheld or
                  delayed),

                           (iv)     the Administrative Agent shall receive at
                  the time of each such assignment, from the assigning or
                  assignee Lender, the payment of a non-refundable assignment
                  fee of $3,500 (only one such fee shall be payable in the event
                  of a simultaneous assignment to multiple assignees that are
                  Affiliates or from multiple assignors that are Affiliates),
                  and

                           (v)      no such transfer or assignment will be
                  effective until recorded by the Administrative Agent on the
                  Register pursuant to Section 13.14.

         To the extent of any assignment pursuant to this Section 13.4(b), the
         assigning Lender shall be relieved of its obligations hereunder with
         respect to its assigned Commitments and outstanding Loans. At the time
         of each assignment pursuant to this Section 13.4(b) to a Person which
         is not already a Lender hereunder and which is not a United States
         person (as such term is defined in Section 7701(a)(30) of the Code) for
         Federal income tax purposes, the respective assignee Lender shall, to
         the extent legally entitled to do so, provide to the Borrower the
         appropriate Internal Revenue Service Forms (and, if applicable, a
         Section 5.4(b)(ii) Certificate) described in Section 5.4(b). To the
         extent that an assignment of all or any portion of a Lender's
         Commitments and related outstanding Obligations pursuant to Section
         2.13 or this Section 13.4(b) would, at the time of such assignment,
         result in increased costs under Section 2.10, 3.6 or 5.4 from those
         being charged by the respective assigning Lender prior to such
         assignment, then the Borrower shall not be obligated to pay such
         increased costs (although the Borrower, in accordance with and pursuant
         to the other provisions of this Agreement, shall be obligated to pay
         any other increased costs of the type described above resulting from
         changes after the date of the respective assignment).

                  (c)      ASSIGNMENTS BY LENDERS FOR COLLATERAL PURPOSES.
         Nothing in this Agreement shall prevent or prohibit any Lender from
         pledging its Loans and Notes hereunder to a Federal Reserve Bank in
         support of borrowings made by such Lender from such Federal Reserve
         Bank and, upon written notice to the Administrative Agent, any Lender
         which is a fund may pledge all or any portion of its Loans and Notes to
         its trustee in support of its obligations to its trustee. No pledge
         pursuant to

                                      -107-
<PAGE>

         this clause (c) shall release the transferor Lender from any of its
         obligations hereunder.

                  Section 13.5 No Waiver; Remedies Cumulative. No failure or
delay on the part of the Administrative Agent, the Collateral Agent, the Issuing
Lender or any Lender in exercising any right, power or privilege hereunder or
under any other Credit Document and no course of dealing between any Credit
Party and the Administrative Agent, the Collateral Agent, the Issuing Lender or
any Lender shall operate as a waiver thereof; nor shall any single or partial
exercise of any right, power or privilege hereunder or under any other Credit
Document preclude any other or further exercise thereof or the exercise of any
other right, power or privilege hereunder or thereunder. The rights, powers and
remedies herein or in any other Credit Document expressly provided are
cumulative and not exclusive of any rights, powers or remedies which the
Administrative Agent, the Collateral Agent, the Issuing Lender or any Lender
would otherwise have. No notice to or demand on any Credit Party in any case
shall entitle any Credit Party to any other or further notice or demand in
similar or other circumstances or constitute a waiver of the rights of the
Administrative Agent, the Collateral Agent, the Issuing Lender or any Lender to
any other or further action in any circumstances without notice or demand.

                  Section 13.6 Payments Pro Rata.

                  (a)      Except as otherwise provided in this Agreement, the
         Administrative Agent agrees that promptly after its receipt of each
         payment from or on behalf of the Borrower in respect of any Obligations
         hereunder, it shall distribute such payment to the Lenders (other than
         any Lender that has consented in writing to waive its pro rata share of
         any such payment) pro rata based upon their respective shares, if any,
         of the Obligations with respect to which such payment was received.

                  (b)      Each of the Lenders agrees that, if it should receive
         any amount hereunder (whether by voluntary payment, by realization upon
         security, by the exercise of the right of setoff or banker's lien, by
         counterclaim or cross action, by the enforcement of any right under the
         Credit Documents, or otherwise), which is applicable to the payment of
         the principal of, or interest on, the Loans, Unpaid Drawings,
         Commitment Fee or Letter of Credit Fees, of a sum which with respect to
         the related sum or sums received by other Lenders is in a greater
         proportion than the total of such Obligation then owed and due to such
         Lender bears to the total of such Obligation then owed and due to all
         of the Lenders immediately prior to such receipt, then such Lender
         receiving such excess payment shall purchase for cash without recourse
         or warranty from the other Lenders an interest in the Obligations of
         the respective Credit Party to such Lenders in such amount as shall
         result in a proportional participation by all the Lenders in such
         amount; provided that if all or any portion of such excess amount is
         thereafter recovered from such Lenders, such purchase shall be
         rescinded and the purchase price restored to the extent of such
         recovery, but without interest.

                                      -108-
<PAGE>

                  (c) Notwithstanding anything to the contrary contained herein,
         the provisions of the preceding Sections 13.6(a) and (b) shall be
         subject to the express provisions of this Agreement which require, or
         permit, differing payments to be made to Non-Defaulting Lenders as
         opposed to Defaulting Lenders.

                  Section 13.7 Calculations; Computations; Accounting Terms.

                  (a)      The financial statements to be furnished to the
         Lenders pursuant hereto shall be made and prepared in accordance with
         GAAP in the United States consistently applied throughout the periods
         involved (except as set forth in the notes thereto or as otherwise
         disclosed in writing by the Borrower to the Lenders); provided that,
         except as otherwise specifically provided herein, all computations of
         Excess Cash Flow, and all computations and all definitions used in
         determining compliance with Sections 10.7 through 10.9, inclusive,
         shall utilize accounting principles and policies in conformity with
         those used to prepare the latest audited historical financial
         statements of the Borrower referred to in Section 8.5(a).

                  (b)      If at any time any change in GAAP would affect the
         computation of any financial ratio or requirement set forth in any
         Credit Document, and either the Borrower or the Required Lenders shall
         so request, the Administrative Agent, the Lenders and the Borrower
         shall negotiate in good faith to amend such ratio or requirement to
         preserve the original intent thereof in light of such change in GAAP
         (subject to the approval of the Required Lenders); provided that, until
         so amended, (i) such ratio or requirement shall continue to be computed
         in accordance with GAAP prior to such change therein and (ii) the
         Borrower shall provide to the Administrative Agent and the Lenders
         financial statements and other documents required hereunder setting
         forth a reconciliation between calculations of such ratio or
         requirement made before and after giving effect to such change in GAAP.

                  (c)      All computations of interest, Commitment Fee and
         other Fees hereunder shall be made on the basis of a year of 360 days
         for the actual number of days (including the first day but excluding
         the last day; except that in the case of Letter of Credit Fees, the
         last day shall be included) occurring in the period for which such
         interest, Commitment Fee or other Fees are payable; provided that
         interest in respect of Base Rate Loans determined by reference to the
         prime rate shall be made on the basis of a year of 365 or 366 days, as
         the case may be, for the actual number of days occurring in the period
         for which such interest is payable.

                  Section 13.8 GOVERNING LAW; SUBMISSION TO JURISDICTION; VENUE;
WAIVER OF JURY TRIAL.

                  (a)      THIS AGREEMENT AND THE OTHER CREDIT DOCUMENTS AND THE
         RIGHTS AND OBLIGATIONS OF THE PARTIES HEREUNDER AND THEREUNDER SHALL BE
         CONSTRUED IN ACCORDANCE WITH AND BE GOVERNED BY THE LAW OF THE STATE OF
         MINNESOTA. ANY LEGAL ACTION OR PROCEEDING WITH RESPECT TO THIS
         AGREEMENT OR ANY

                                      -109-
<PAGE>

         OTHER CREDIT DOCUMENT MAY BE BROUGHT IN THE COURTS OF THE STATE OF
         MINNESOTA, OR OF THE UNITED STATES FOR THE DISTRICT OF MINNESOTA IN
         EACH CASE WHICH ARE LOCATED IN THE CITY OF MINNEAPOLIS, AND, BY
         EXECUTION AND DELIVERY OF THIS AGREEMENT OR ANY OTHER CREDIT DOCUMENT,
         THE BORROWER HEREBY IRREVOCABLY ACCEPTS FOR ITSELF AND IN RESPECT OF
         ITS PROPERTY, GENERALLY AND UNCONDITIONALLY, THE JURISDICTION OF THE
         AFORESAID COURTS.

                  (b)      THE BORROWER HEREBY FURTHER IRREVOCABLY WAIVES ANY
         CLAIM THAT ANY SUCH COURTS LACK PERSONAL JURISDICTION OVER THE
         BORROWER, AND AGREES NOT TO PLEAD OR CLAIM, IN ANY LEGAL ACTION
         PROCEEDING WITH RESPECT TO THIS AGREEMENT OR ANY OTHER CREDIT DOCUMENTS
         BROUGHT IN ANY OF THE AFOREMENTIONED COURTS, THAT SUCH COURTS LACK
         PERSONAL JURISDICTION OVER THE BORROWER. THE BORROWER FURTHER
         IRREVOCABLY CONSENTS TO THE SERVICE OF PROCESS OUT OF ANY OF THE
         AFOREMENTIONED COURTS IN ANY SUCH ACTION OR PROCEEDING BY THE MAILING
         OF COPIES THEREOF BY REGISTERED OR CERTIFIED MAIL, POSTAGE PREPAID, TO
         THE BORROWER AT ITS ADDRESS SET FORTH OPPOSITE ITS SIGNATURE BELOW,
         SUCH SERVICE TO BECOME EFFECTIVE 30 DAYS AFTER SUCH MAILING. THE
         BORROWER HEREBY IRREVOCABLY WAIVES ANY OBJECTION TO SUCH SERVICE OF
         PROCESS AND FURTHER IRREVOCABLY WAIVES AND AGREES NOT TO PLEAD OR CLAIM
         IN ANY ACTION OR PROCEEDING COMMENCED HEREUNDER OR UNDER ANY OTHER
         CREDIT DOCUMENT THAT SERVICE OF PROCESS WAS IN ANY WAY INVALID OR
         INEFFECTIVE. NOTHING HEREIN SHALL AFFECT THE RIGHT OF THE
         ADMINISTRATIVE AGENT, ANY LENDER OR THE HOLDER OF ANY NOTE TO SERVE
         PROCESS IN ANY OTHER MANNER PERMITTED BY LAW OR TO COMMENCE LEGAL
         PROCEEDINGS OR OTHERWISE PROCEED AGAINST THE BORROWER IN ANY OTHER
         JURISDICTION.

                  (c)      THE BORROWER HEREBY IRREVOCABLY WAIVES ANY OBJECTION
         WHICH IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF VENUE OF ANY OF THE
         AFORESAID ACTIONS OR PROCEEDINGS ARISING OUT OF OR IN CONNECTION WITH
         THIS AGREEMENT OR ANY OTHER CREDIT DOCUMENT BROUGHT IN THE COURTS
         REFERRED TO IN CLAUSE (a) ABOVE AND HEREBY FURTHER IRREVOCABLY, TO THE
         EXTENT PERMITTED BY APPLICABLE LAW, WAIVES AND AGREES NOT TO PLEAD OR
         CLAIM IN ANY SUCH COURT THAT ANY SUCH ACTION OR PROCEEDING BROUGHT IN
         ANY SUCH COURT HAS BEEN BROUGHT IN AN INCONVENIENT FORUM.

                                      -110-
<PAGE>

                  (d)      EACH OF THE PARTIES TO THIS AGREEMENT HEREBY
         IRREVOCABLY WAIVES ALL RIGHT TO A TRIAL BY JURY IN ANY ACTION,
         PROCEEDING OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS
         AGREEMENT, THE OTHER CREDIT DOCUMENTS OR THE TRANSACTIONS CONTEMPLATED
         HEREBY OR THEREBY.

                  Section 13.9 Counterparts. This Agreement may be executed in
any number of counterparts and by the different parties hereto on separate
counterparts, each of which when so executed and delivered shall be an original,
but all of which shall together constitute one and the same instrument. A set of
counterparts executed by all the parties hereto shall be lodged with the
Borrower and the Administrative Agent.

                  Section 13.10 Headings Descriptive. The headings of the
several sections and subsections of this Agreement are inserted for convenience
only and shall not in any way affect the meaning or construction of any
provision of this Agreement.

                  Section 13.11 Amendment or Waiver; etc.

                  (a)      Neither this Agreement nor any other Credit Document
         nor any terms hereof or thereof may be amended, changed, waived,
         discharged or terminated unless such amendment, change, waiver,
         discharge or termination is in writing signed by the respective Credit
         Parties party thereto and the Required Lenders, provided that no such
         amendment, change, waiver, discharge or termination shall, without the
         consent of each Lender (other than a Defaulting Lender) (with
         Obligations being directly affected in the case of following clause
         (i)):

                           (i)      extend the final scheduled maturity of any
                  Loan or Note or extend the stated expiration date of any
                  Letter of Credit beyond the Revolving Loan Maturity Date, or
                  reduce the rate or extend the time of payment of interest or
                  Fees thereon (except in connection with the waiver of
                  applicability of any post-default increase in interest rates),
                  or reduce the principal amount thereof (it being understood
                  that any amendment or modification to the financial
                  definitions in this Agreement or to Section 13.7 shall not
                  constitute a reduction in the rate of interest or Fees for the
                  purposes of this clause (i)),

                           (ii)     release all or substantially all of the
                  Collateral (except as expressly provided in the Credit
                  Documents) under all the Security Documents or release all or
                  substantially all of the Subsidiary Guarantors,

                           (iii)    amend, modify or waive any provision of this
                  Section 13.11 (except for technical amendments with respect to
                  additional extensions of credit pursuant to this Agreement
                  which afford the protections to such additional extensions of
                  credit of the type provided to the Term Loans and the
                  Revolving Loan Commitments on the Closing Date),

                           (iv)     reduce the percentage specified in the
                  definition of Required Lenders (it being understood that, with
                  the consent of the Required Lenders, additional extensions of
                  credit pursuant to this Agreement may be included in

                                      -111-
<PAGE>

                  the determination of the Required Lenders on substantially the
                  same basis as the extensions of Term Loans and Revolving Loan
                  Commitments are included on the Closing Date),

                           (v)      consent to the assignment or transfer by the
                  Borrower of any of its rights and obligations under this
                  Agreement,

                           (vi)     amend Section 2.9 so as to permit Interest
                  Periods that are greater than six months,

                           (vii)    amend Section 13.4(b), or

                           (viii)   amend, modify or waive any Term Loan
                  Scheduled Repayment to be made pursuant to Sections 5.2(b) -
                  (f);

         provided further, that no such amendment, change, waiver, discharge or
         termination shall:

                           (ix)     increase the Commitments of any Lender over
                  the amount thereof then in effect without the consent of such
                  Lender (it being understood that waivers or modifications of
                  conditions precedent, covenants, Defaults or Events of Default
                  or of a mandatory reduction in the Total Commitment shall not
                  constitute an increase of the Commitment of any Lender, and
                  that an increase in the available portion of any Commitment of
                  any Lender shall not constitute an increase of the Commitment
                  of such Lender),

                           (x)      affect the rights or duties of the
                  Administrative Agent, the Collateral Agent, the Issuing Lender
                  or the Swingline Lender hereunder or under any other Credit
                  Document, without the prior written consent of the
                  Administrative Agent, the Collateral Agent, the Issuing Lender
                  or the Swingline Lender, as the case may be,

                           (xi)     (A) amend, change, modify or waive Section
                  5.2(a) or (B) have the effect (either immediately) or at some
                  later time) of enabling the Borrower to satisfy a condition
                  precedent to the making of a Revolving Loan or Swingline Loan
                  or the issuance of a Letter of Credit, unless such amendment,
                  modification or waiver shall have been consented to by the
                  holders of more than 50% of the aggregate principal amount of
                  the Revolving Loan Commitments,

                           (xii)    amend, change, modify or waive the
                  provisions of Section 5.2(g), or adversely affect the rights
                  of Lenders participating in any Tranche different from those
                  of the Lenders participating in other Tranches, unless, in any
                  such case, such amendment, modification or waiver shall have
                  been consented to by the holders of (in Dollars) more than 50%
                  of the aggregate amount of Loans outstanding under the Tranche
                  or Tranches affected by such modification, or, in the case of
                  a modification affecting the Revolving Loan Commitments, the
                  Lenders holding more than 50% of the aggregate principal
                  amount of Revolving Loan Commitments (it being agreed and
                  understood that

                                      -112-
<PAGE>

                  modifications which affect all Lenders ratably shall not be
                  considered hereunder as affecting Lenders of any Tranche
                  differently).

                  Section 13.12 Survival of Indemnities. All indemnities set
forth herein including, without limitation, in Sections 2.10, 2.11, 3.6, 5.4,
12.6 and 13.1 shall survive the execution, delivery and termination of this
Agreement and the Notes and the making and repayment of the Obligations.

                  Section 13.13 Domicile of Loans. Each Lender may transfer and
carry its Loans at, to or for the account of any office, Subsidiary or Affiliate
of such Lender. Notwithstanding anything to the contrary contained herein, to
the extent that a transfer of Loans pursuant to this Section 13.13 would, at the
time of such transfer, result in increased costs under Section 2.10, 2.11, 3.6
or 5.4 from those being charged by the respective Lender prior to such transfer,
then the Borrower shall not be obligated to pay such increased costs (although
the Borrower shall be obligated to pay any other increased costs of the type
described above resulting from changes after the date of the respective
transfer).

                  Section 13.14 Register. The Borrower hereby designates the
Administrative Agent to serve as the Borrower's agent, solely for purposes of
this Section 13.14, to maintain a register (the "Register") on which it will
record the Commitments from time to time of each of the Lenders, the Loans made
by each of the Lenders and each repayment in respect of the principal amount of
the Loans of each Lender. Failure to make any such recordation, or any error in
such recordation, shall not affect the Borrower's obligations in respect of such
Loans. With respect to any Lender, the transfer of the Commitments of such
Lender and the rights to the principal of, and interest on, any Loan made
pursuant to such Commitments shall not be effective until such transfer is
recorded on the Register maintained by the Administrative Agent with respect to
ownership of such Commitments and Loans and prior to such recordation all
amounts owing to the transferor with respect to such Commitments and Loans shall
remain owing to the transferor. The registration of assignment or transfer of
all or part of any Commitments and Loans shall be recorded by the Administrative
Agent on the Register only upon the acceptance by the Administrative Agent of a
properly executed and delivered Assignment and Assumption Agreement pursuant to
Section 13.4(b). Coincident with the delivery of such an Assignment and
Assumption Agreement to the Administrative Agent for acceptance and registration
of assignment or transfer of all or part of a Loan, or as soon thereafter as
practicable, the assigning or transferor Lender shall surrender the Note (if
any) evidencing such Loan, and thereupon one or more new Notes in the same
aggregate principal amount shall be issued to the assigning or transferor Lender
and/or the new Lender at the request of any such Lender. The Borrower agrees to
indemnify the Administrative Agent from and against any and all losses, claims,
damages and liabilities of whatsoever nature which may be imposed on, asserted
against or incurred by the Administrative Agent in performing its duties under
this Section 13.14.

                                      -113-
<PAGE>

                  Section 13.15 Confidentiality.

                  (a)      TREATMENT OF CONFIDENTIAL INFORMATION. Subject to the
         provisions Section 13.15(b), each Lender agrees that it will use its
         reasonable efforts not to disclose without the prior consent of the
         Borrower (other than to its employees, auditors, advisors or counsel or
         to another Lender if such Lender or such Lender's holding or parent
         company in its sole discretion determines that any such party should
         have access to such information, provided such Persons shall be subject
         to the provisions of this Section 13.15 to the same extent as such
         Lender) any information with respect to the Borrower or any of its
         Subsidiaries which is now or in the future furnished pursuant to this
         Agreement or any other Credit Document and which is designated by the
         Borrower to the Lenders in writing as confidential, provided that any
         Lender may disclose any such information (i) as has become generally
         available to the public other than by virtue of a breach of this
         Section 13.15(a) by the respective Lender, (ii) as may be required or
         appropriate in any report, statement or testimony submitted to any
         municipal, state or Federal regulatory body having or claiming to have
         jurisdiction over such Lender or to the Federal Reserve Board or the
         Federal Deposit Insurance Corporation or similar organizations (whether
         in the United States or elsewhere) or their successors, (iii) as may be
         required or appropriate in respect to any summons or subpoena or in
         connection with any litigation, (iv) in order to comply with any law,
         order, regulation or ruling applicable to such Lender, (v) to the
         Administrative Agent or the Collateral Agent, (vi) to any prospective
         or actual transferee or participant in connection with any contemplated
         transfer or participation of any of the Notes or Commitments or any
         interest therein by such Lender, provided that such prospective
         transferee agrees to be bound by the confidentiality provisions
         contained in this Section 13.15, and (vii) to any direct or indirect
         contractual counterparty to swap agreements with a Lender or such
         contractual counterparty's professional advisor provided that such
         contractual counterparty or professional advisor agrees to be bound by
         the provisions of this Section 13.15.

                  (b)      The Borrower hereby acknowledges and agrees that each
         Lender may share with any of its affiliates, and such affiliates may
         share with such Lender any information related to the Borrower or any
         of its Subsidiaries (including, without limitation, any non-public
         customer information regarding the creditworthiness of the Borrower and
         its Subsidiaries), provided such Persons shall be subject to the
         provisions of this Section 13.15 to the same extent as such Lender.

                  Section 13.16 Debt Rating. The Borrower shall, within 90 days
after the Closing Date, obtain a reaffirmation of all debt ratings (each a "Debt
Rating") from Moody's or S&P for all of the Borrower's long term debt, including
the Indebtedness, actual and implied.

                                      -114-
<PAGE>

                  IN WITNESS WHEREOF, the parties hereto have caused their duly
authorized officers to execute and deliver this Agreement as of the date first
above written.

infoUSA INC.                              infoUSA INC.
5711 South 86th Circle
Omaha, Nebraska  68127
Attn:  Chief Financial Officer            By:_________________________________
Telephone No.:  (402) 593-4500            Name: ______________________________
Telecopier No.:  (402) 331-1505           Title: _______________________________

  Signature Page 1 of 6 to Credit Agreement by and among infoUSA Inc., various
   financial institutions and Wells Fargo Bank, National Association, as lead
              arranger, sole book runner and administrative agent

<PAGE>

                                      WELLS FARGO BANK, NATIONAL
                                      ASSOCIATION, as Administrative Agent
                                      and as a Lender

                                      By:_________________________________
                                      Name: ______________________________
                                      Title: _______________________________

  Signature Page 2 of 6 to Credit Agreement by and among infoUSA Inc., various
   financial institutions and Wells Fargo Bank, National Association, as lead
              arranger, sole book runner and administrative agent

<PAGE>

                                          BANK OF AMERICA, N.A., as a Lender

                                          By:_________________________________
                                          Name: ______________________________
                                          Title: _______________________________

  Signature Page 3 of 6 to Credit Agreement by and among infoUSA Inc., various
   financial institutions and Wells Fargo Bank, National Association, as lead
              arranger, sole book runner and administrative agent

<PAGE>

                                       FIRST NATIONAL BANK OF OMAHA, as a Lender

                                       By:_________________________________
                                       Name: ______________________________
                                       Title: _______________________________

  Signature Page 4 of 6 to Credit Agreement by and among infoUSA Inc., various
   financial institutions and Wells Fargo Bank, National Association, as lead
              arranger, sole book runner and administrative agent

<PAGE>

                                          LASALLE BANK, NATIONAL
                                          ASSOCIATION, as a Lender

                                          By:_________________________________
                                          Name: ______________________________
                                          Title: _______________________________

  Signature Page 5 of 6 to Credit Agreement by and among infoUSA Inc., various
   financial institutions and Wells Fargo Bank, National Association, as lead
              arranger, sole book runner and administrative agent

<PAGE>

                                          U.S. BANK, N.A., as a Lender

                                          By:_________________________________
                                          Name: ______________________________
                                          Title: _______________________________

  Signature Page 6 of 6 to Credit Agreement by and among infoUSA Inc., various
   financial institutions and Wells Fargo Bank, National Association, as lead
              arranger, sole book runner and administrative agent

<PAGE>

                                   SCHEDULE I

                                DISCLOSURE LETTER

infoUSA Credit Agreement - Schedule I

                                      -1-<PAGE>

                                                                     EXHIBIT 4.9

                               SECURITY AGREEMENT

                                      among

                                  infoUSA INC.,

                           CERTAIN OF ITS SUBSIDIARIES

                                       and

                     WELLS FARGO BANK, NATIONAL ASSOCIATION,

                               as COLLATERAL AGENT

                        --------------------------------

                           Dated as of March 25, 2004

                        --------------------------------

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                                                                 PAGE
<S>                                                                                                              <C>
ARTICLE I  SECURITY INTERESTS...................................................................................    2
         1.1      Grant of Security Interests...................................................................    2
         1.2      Power of Attorney.............................................................................    3

ARTICLE II  GENERAL REPRESENTATIONS, WARRANTIES AND COVENANTS...................................................    3
         2.1      Necessary Filings.............................................................................    3
         2.2      No Liens......................................................................................    3
         2.3      Other Financing Statements....................................................................    4
         2.4      Chief Executive Office, Record Locations......................................................    4
         2.5      Jurisdiction of Organization..................................................................    4
         2.6      Location of Inventory and Equipment...........................................................    4
         2.7      Recourse......................................................................................    5
         2.8      Names, Trade Names; Change of Name............................................................    5
         2.9      Investment Related Property...................................................................    5
         2.10     Non-Assignable Collateral.....................................................................    5

ARTICLE III  SPECIAL PROVISIONS CONCERNING RECEIVABLES; CONTRACT RIGHTS; INSTRUMENTS; CHATTEL PAPER.............    6
         3.1      Additional Representations and Warranties.....................................................    6
         3.2      Maintenance of Records........................................................................    6
         3.3      Direction to Account Debtors; Contracting Parties; etc........................................    6
         3.4      Modification of Terms; etc....................................................................    7
         3.5      Collection....................................................................................    7
         3.6      Instruments...................................................................................    7
         3.7      Assignors Remain Liable Under Receivables.....................................................    7
         3.8      Assignors Remain Liable Under Contracts.......................................................    8
</TABLE>

<PAGE>

<TABLE>
<S>                                                                                                              <C>
         3.9      Changes of Name, Jurisdiction or Organization, etc............................................    8
         3.10     Purchase Money Security Interests.............................................................    8
         3.11     Protection of the Collateral Agent's Security.................................................    8
         3.12     Further Actions...............................................................................    9

ARTICLE IV  SPECIAL PROVISIONS CONCERNING TRADEMARKS............................................................    9
         4.1      Additional Representations and Warranties.....................................................    9
         4.2      Licenses and Assignments......................................................................    9
         4.3      Infringements.................................................................................    9
         4.4      Preservation of Marks.........................................................................   10
         4.5      Maintenance of Registration...................................................................   10
         4.6      Future Registered Marks.......................................................................   10
         4.7      Remedies......................................................................................   10

ARTICLE V  SPECIAL PROVISIONS CONCERNING PATENTS, COPYRIGHTS AND TRADE SECRETS..................................   11
         5.1      Additional Representations and Warranties.....................................................   11
         5.2      Licenses and Assignments......................................................................   11
         5.3      Infringements.................................................................................   11
         5.4      Maintenance of Patents or Copyright...........................................................   11
         5.5      Prosecution of Patent Applications............................................................   12
         5.6      Future Patents and Copyrights.................................................................   12
         5.7      Remedies......................................................................................   12

ARTICLE VI  PROVISIONS CONCERNING ALL COLLATERAL................................................................   12
         6.1      Protection of Collateral Agent's Security.....................................................   13
         6.2      Warehouse Receipts Non-negotiable.............................................................   13
         6.3      Further Actions...............................................................................   13
</TABLE>

                                      -ii-

<PAGE>

<TABLE>
<S>                                                                                                              <C>
         6.4      Financing Statements..........................................................................   13
         6.5      Authorization to File.........................................................................   13

ARTICLE VII  REMEDIES UPON OCCURRENCE OF EVENT OF DEFAULT.......................................................   14
         7.1      Remedies; Obtaining the Collateral Upon Default...............................................   14
         7.2      Remedies; Disposition of the Collateral.......................................................   15
         7.3      Waiver of Claims..............................................................................   16
         7.4      Application of Proceeds.......................................................................   17
         7.5      Remedies Cumulative...........................................................................   19
         7.6      Discontinuance of Proceedings.................................................................   19

ARTICLE VIII  INDEMNITY.........................................................................................   20
         8.1      Indemnity.....................................................................................   20
         8.2      Indemnity Obligations Secured by Collateral; Survival.........................................   21

ARTICLE IX  DEFINITIONS.........................................................................................   21

ARTICLE X  MISCELLANEOUS........................................................................................   27
         10.1     Notices.......................................................................................   27
         10.2     Waiver; Amendment.............................................................................   28
         10.3     Obligations Absolute..........................................................................   28
         10.4     Successors and Assigns........................................................................   29
         10.5     Headings Descriptive..........................................................................   29
         10.6     Governing Law.................................................................................   29
         10.7     Assignor's Duties.............................................................................   29
         10.8     Termination; Release..........................................................................   29
         10.9     Counterparts..................................................................................   30
         10.10    Severability..................................................................................   30
         10.11    The Collateral Agent..........................................................................   30
</TABLE>

                                     -iii-

<PAGE>

<TABLE>
<S>                                                                                                              <C>
         10.12    Benefit of Agreement..........................................................................   30
         10.13    Additional Assignors..........................................................................   31
</TABLE>

ANNEX A     Schedule of Names and Jurisdictions of Organization
ANNEX B     Schedule of Chief Executive Offices/Record Locations
ANNEX C     Schedule of Inventory and Equipment Location
ANNEX D     Schedule of Trade and Fictitious Names
ANNEX E     Schedule of Marks
ANNEX F     Schedule of Patents
ANNEX G     Schedule of Copyrights
ANNEX H     Investment Related Property
ANNEX I     Form of Grant of Security Interest in United States Trademarks and
             Patents
ANNEX J     Form of Grant of Security Interest in United States Copyrights

                                      -iv-

<PAGE>

                  THIS SECURITY AGREEMENT, dated as of March 25, 2004, is made
by each of the undersigned assignors (each an "Assignor" and, together with any
other entity that becomes an assignor hereunder pursuant to Section 10.13
hereof, the "Assignors") in favor of Wells Fargo Bank, National Association, as
Collateral Agent together with any successor collateral agent (the "Collateral
Agent"), for the benefit of the Secured Creditors (as defined below). Except as
otherwise defined herein, capitalized terms used herein and defined in the
Credit Agreement (as defined below) shall be used herein as so defined.

                  WHEREAS, infoUSA Inc. (the "Borrower"), the financial
institutions from time to time party thereto in the capacity of a lender (in
such capacity, the "Lenders"), and Wells Fargo Bank, National Association, as
administrative agent (together with any successor administrative agent, the
"Administrative Agent"), have entered into a Credit Agreement, dated as of March
25, 2004, providing for the making of Loans to, and the issuance of Letters of
Credit for the account of, the Borrower as contemplated therein (as amended,
modified or supplemented from time to time, the "Credit Agreement") (the
Lenders, the Administrative Agent, the Issuing Lender and the Collateral Agent
are herein called the "Lender Creditors");

                  WHEREAS, the Borrower may at any time and from time to time
enter into one or more Interest Rate Protection Agreements or Other Hedging
Agreements with one or more Lenders or any affiliate thereof (each such Lender
or affiliate, even if the respective Lender subsequently ceases to be a Lender
under the Credit Agreement for any reason, together with such Lender's or
affiliate's successors and assigns, if any, collectively, the "Other Creditors",
and together with the Lender Creditors, are herein called the "Secured
Creditors");

                  WHEREAS, pursuant to the Subsidiaries Guaranty, each
Subsidiary Guarantor has jointly and severally guaranteed to the Secured
Creditors the payment when due of all Guaranteed Obligations as described
therein;

                  WHEREAS, it is a condition precedent to the making of Loans
to, and the issuance of Letters of Credit for the account of, the Borrower under
the Credit Agreement that each Assignor shall have executed and delivered to the
Collateral Agent this Agreement; and

                  WHEREAS, each Assignor will obtain benefits from the
incurrence of Loans to, and the issuance of Letters of Credit for the account
of, the Borrower under the Credit Agreement and the entering into by the
Borrower of Interest Rate Protection Agreements or Other Hedging Agreements and,
accordingly, each Assignor desires to enter into this Agreement in order to
satisfy the condition described in the preceding paragraph;

                  NOW, THEREFORE, in consideration of the benefits accruing to
each Assignor, the receipt and sufficiency of which are hereby acknowledged,
each Assignor hereby makes the following representations and warranties to the
Collateral Agent for the benefit of the Secured Creditors and hereby covenants
and agrees with the Collateral Agent for the benefit of the Secured Creditors as
follows:

<PAGE>

                                    ARTICLE I

                               SECURITY INTERESTS

                  1.1      Grant of Security Interests.

                  (a)      As security for the prompt and complete payment and
         performance when due of all of its Obligations, each Assignor does
         hereby pledge, hypothecate and grant to the Collateral Agent for the
         benefit of the Secured Creditors, a continuing security interest in,
         all of the right, title and interest of such Assignor in, to and under
         all of the following, whether now existing or hereafter from time to
         time acquired (all of the following being collectively called, the
         "Collateral"): all Accounts, all Chattel Paper, all Contracts, together
         with all Contract Rights arising thereunder, all Deposit Accounts
         (including any and all Cash Collateral Accounts) and all monies,
         securities, instruments and other investments deposited or required to
         be deposited in such Deposit Accounts, all Documents, all Equipment,
         all General Intangibles, all Goods, all Instruments, all Insurance, all
         Intellectual Property, all Inventory, all Investment Related Property,
         all Letter of Credit Rights, all letters of credit, all Marks, together
         with the registrations and right to all renewals thereof, and the
         goodwill of the business of such Assignor symbolized by the Marks, all
         Money, all Patents and Copyrights and all reissues, renewals or
         extensions thereof, all Receivables, all computer programs of such
         Assignor and all intellectual property rights therein and all other
         Proprietary Information of such Assignor, including, but not limited
         to, Trade Secrets Rights, all Supporting Obligations (to the extent not
         otherwise included above), together with (i) all substitutions and
         replacements for and products of any of the foregoing; (ii) in the case
         of all Goods, all accessions; (iii) all accessories, attachments,
         parts, equipment and repairs now or hereafter attached or affixed to or
         used in connection with any Goods; (iv) all warehouse receipts, bills
         of lading and other documents of title now or hereafter covering such
         Goods; and (v) Proceeds of any and all of the foregoing.

                  (b)      Notwithstanding anything herein to the contrary, in
         no event shall the Collateral include and no Assignor shall be deemed
         to have granted a security interest in, any of Assignor's right, title
         or interest in (i) any Intellectual Property (collectively, the
         "Non-Assignable Intellectual Property") to the extent that the grant of
         such security interest would constitute or result in the abandonment or
         invalidation thereof or the unenforceability of any right, title or
         interest of any Assignor therein; (ii) any license, contract or
         agreement to the extent that the grant of such security interest is
         prohibited by or would constitute a default under or a termination of,
         such license, contract or agreement (each, a "Non-assignable
         Contract"), and the terms restricting such grant are enforceable under
         applicable law (including UCC section 9-406), it being understood that
         each Assignor hereby agrees to use all reasonable efforts to obtain all
         requisite consent to enable Assignor to grant a security interest in
         such asset and, in any event, immediately upon the ineffectiveness,
         lapse or termination of any such restriction, the Collateral shall
         include, and Assignor shall be deemed to have granted a security
         interest in, all such rights and interests as if such restriction had
         never been in effect; or (iii) any of the

                                      -2-

<PAGE>

         outstanding capital stock of a Foreign Subsidiary in excess of 65% of
         the voting power of all classes of capital stock of such entitled to
         vote.

                  (c)      The security interest of the Collateral Agent under
         this Agreement extends to all Collateral of the kind which is the
         subject of this Agreement which any Assignor may acquire at any time
         during the term of this Agreement.

                  1.2      Power of Attorney. Each Assignor hereby constitutes
and appoints the Collateral Agent its true and lawful attorney, irrevocably,
with full power after the occurrence of and during the continuance of an Event
of Default (in the name of such Assignor or otherwise) to act, require, demand,
receive, compound and give acquittance for any and all moneys and claims for
moneys due or to become due to such Assignor under or arising out of the
Collateral, to endorse any checks or other instruments or orders in connection
therewith and to file any claims or take any action or institute any proceedings
which the Collateral Agent may deem to be necessary or advisable to protect the
interests of the Secured Creditors, which appointment as attorney is coupled
with an interest.

                                   ARTICLE II

                GENERAL REPRESENTATIONS, WARRANTIES AND COVENANTS

                  Each Assignor represents, warrants and covenants, which
representations, warranties and covenants shall survive execution and delivery
of this Agreement, as follows:

                  2.1      Necessary Filings. Upon (i) the filing by the
Collateral Agent of appropriate financing statements in the applicable filing
offices in the jurisdictions set forth in Annex A, and (ii) the filing of the
appropriate Grants of Security Interest in the form of Annex I or J attached
hereto in the United States Patent and Trademark Office or in the United States
Copyright Office, as applicable, all filings, registrations and recordings
necessary or appropriate to create, preserve and perfect the security interest
granted by such Assignor to the Collateral Agent hereby in respect of the
Collateral will have been accomplished and the security interest granted to the
Collateral Agent pursuant to this Agreement in and to the Collateral will create
a perfected security interest therein prior to the rights of all other Persons
therein and subject to no other Liens (other than Permitted Liens) and will be
entitled to all the rights, priorities and benefits afforded by the Uniform
Commercial Code or other relevant law as enacted in any relevant jurisdiction to
perfected security interests, in each case to the extent that the Collateral
consists of the type of property in which a security interest may be perfected
by filing a financing statement under the Uniform Commercial Code as enacted in
any relevant jurisdiction or in the United States Patent and Trademark Office or
in the United States Copyright Office.

                  2.2      No Liens. Such Assignor owns the Collateral purported
to be owned by it and otherwise has the rights it purports to have in each item
of Collateral and, as to all Collateral whether now existing or hereafter
acquired, will continue to own or have such rights in each item of the
Collateral, in each case free and clear of any and all Liens, rights or claims
of all other Persons (other than Permitted Liens). Such Assignor shall defend
the Collateral against all

                                       -3
<PAGE>

claims and demands of all Persons at any time claiming the same or any interest
therein adverse to the Collateral Agent.

                  2.3      Other Financing Statements. As of the date hereof,
there is no financing statement (or similar statement or instrument of
registration under the law of any jurisdiction) covering or purporting to cover
any interest of any kind in the Collateral (other than financing statements
filed in respect of Permitted Liens), and so long as the Termination Date has
not occurred, such Assignor will not execute or authorize to be filed in any
public office any financing statement (or similar statement or instrument of
registration under the law of any jurisdiction) or statements relating to the
Collateral, except financing statements filed or to be filed in respect of and
covering the security interests granted hereby by such Assignor or in connection
with Permitted Liens.

                  2.4      Chief Executive Office, Record Locations. The chief
executive office of such Assignor is located at the address indicated on Annex B
hereto for such Assignor. Such Assignor will not move its chief executive office
except to such new location as such Assignor may establish in accordance with
the last sentence of this Section 2.4. The originals of all documents evidencing
all Receivables and Contract Rights of such Assignor and the only original books
of account and records of such Assignor relating thereto are, and will continue
to be, kept at such chief executive office, at one or more of the other
locations set forth on Annex B hereto or at such new locations as such Assignor
may establish in accordance with the last sentence of this Section 2.4. All
Receivables and Contract Rights of such Assignor are, and will continue to be,
maintained at, and controlled and directed (including, without limitation, for
general accounting purposes) from, the office locations described above or such
new location established in accordance with the last sentence of this Section
2.4. No Assignor shall establish new locations for such offices until (i) it
shall have given to the Collateral Agent not less than 15 days' prior written
notice of its intention to do so, clearly describing such new location and
providing such other information in connection therewith as the Collateral Agent
may reasonably request, and (ii) with respect to such new location, it shall
have taken all action reasonably satisfactory to the Collateral Agent to
maintain the security interest of the Collateral Agent in the Collateral
intended to be granted hereby at all times fully perfected and in full force and
effect.

                  2.5      Jurisdiction of Organization. The full legal name and
jurisdiction of organization of such Assignor is as set forth on Annex A. If the
chief executive office or sole place of business of any Assignor is located
outside of the United States, then Annex A shall also include the address of the
major executive office in the United States, if any, of Assignor.

                  2.6      Location of Inventory and Equipment. All Inventory
and Equipment held on the date hereof by each Assignor is located at one of the
locations shown on Annex C hereto for such Assignor. Each Assignor agrees that
all Inventory and Equipment now held or subsequently acquired by it shall be
kept at (or shall be in transport to) any one of the locations shown on Annex C
hereto, or such new location as such Assignor may establish in accordance with
the last sentence of this Section 2.6. Any Assignor may establish a new location
for Inventory and Equipment only if (i) it shall have given to the Collateral
Agent not less than 15 days' prior written notice of its intention to do so,
clearly describing such new location and providing such other information in
connection therewith as the Collateral Agent may reasonably

                                       -4-
<PAGE>

request and (ii) with respect to such new location, it shall have taken all
action reasonably satisfactory to the Collateral Agent to maintain the security
interest of the Collateral Agent in the Collateral intended to be granted hereby
at all times fully perfected and in full force and effect.

                  2.7      Recourse. This Agreement is made with full recourse
to each Assignor (including, without limitation, with full recourse to all
assets of such Assignor) and pursuant to and upon all the warranties,
representations, covenants and agreements on the part of such Assignor contained
herein, in the other Secured Debt Agreements and otherwise in writing in
connection herewith or therewith.

                  2.8      Names, Trade Names; Change of Name. No Assignor has
or operates in any jurisdiction under, or in the preceding one year has had or
has operated in any jurisdiction under, any trade names, fictitious names or
other names except its legal name and such other trade or fictitious names as
are listed on Annex D hereto for such Assignor. No Assignor shall change its
legal name or assume or operate in any jurisdiction under any trade, fictitious
or other name except those names listed on Annex D hereto for such Assignor and
new names established in accordance with the last sentence of this Section 2.8.
No Assignor shall assume or operate in any jurisdiction under any new trade,
fictitious or other name until (i) it shall have given to the Collateral Agent
not less than 15 days' prior written notice of its intention to do so, clearly
describing such new name and the jurisdictions in which such new name shall be
used and providing such other information in connection therewith as the
Collateral Agent may reasonably request and (ii) with respect to such new name,
it shall have taken all action reasonably requested by the Collateral Agent to
maintain the security interest of the Collateral Agent in the Collateral
intended to be granted hereby at all times fully perfected and in full force and
effect.

                  2.9      Investment Related Property. Annex H sets forth a
complete list of all Investment Related Property, including all Deposit
Accounts, Securities Accounts and Commodities Accounts. Assignor has taken all
actions necessary or desirable to: (a) establish the Collateral Agent's
"control" (within the meaning of Section 9-106 of the Minnesota UCC) over any
portion of the Investment Related Property constituting Certificated Securities,
Uncertificated Securities, Securities Accounts, Securities Entitlements or
Commodities Accounts; (b) establish the Collateral Agent's "control" (within the
meaning of Section 9-104 of the Minnesota UCC) over all Deposit Accounts
(including any and all Cash Collateral Accounts); and (c) to deliver all
Instruments to the Collateral Agent. Assignor will not create or permit to exist
any Securities Account or Deposit Account unless such Assignor shall have
executed and delivered to the Collateral Agent a Control Agreement in respect of
such Securities Account or Deposit Account, as the case may be. Such Assignor
will not create or permit to exist any Commodities Account unless the Required
Lenders shall otherwise consent.

                  2.10     Non-Assignable Collateral. Neither the Non-Assignable
Intellectual Property nor the Non-Assignable Contracts are individually or
collectively material to the Borrower and its Subsidiaries taken as a whole.

                                       -5-
<PAGE>

                                   ARTICLE III

                   SPECIAL PROVISIONS CONCERNING RECEIVABLES;
                   CONTRACT RIGHTS; INSTRUMENTS; CHATTEL PAPER

                  3.1      Additional Representations and Warranties. As of the
time when each of its Receivables arises, each Assignor shall be deemed to have
represented and warranted that such Receivable, and all records, papers and
documents relating thereto (if any) are genuine and what they purport to be, and
that all papers and documents (if any) relating thereto (i) will, to the
knowledge of such Assignor, represent the genuine legal, valid and binding
obligation of the account debtor evidencing indebtedness unpaid and owed by the
respective account debtor arising out of the performance of labor or services or
the sale or lease and delivery of the inventory, materials, equipment or
merchandise listed therein, or both, and (ii) will, to the knowledge of such
Assignor, be in compliance and will conform in all material respects with all
applicable federal, state and local laws and applicable laws of any relevant
foreign jurisdiction.

                  3.2      Maintenance of Records. Each Assignor will keep and
maintain at its own cost and expense accurate records of its Receivables and
Contracts, including, but not limited to, originals of all documentation
(including each Contract) with respect thereto, records of all payments
received, all credits granted thereon, all merchandise returned and all other
dealings therewith, and such Assignor will make the same available on such
Assignor's premises to the Collateral Agent for inspection, at such Assignor's
own cost and expense, at any and all reasonable times upon prior notice to such
Assignor. Upon the occurrence and during the continuance of an Event of Default
and at the request of the Collateral Agent, such Assignor shall, at its own cost
and expense, deliver all tangible evidence of its Receivables and Contract
Rights (including, without limitation, all documents evidencing the Receivables
and all Contracts) and such books and records to the Collateral Agent or to its
representatives (copies of which evidence and books and records may be retained
by such Assignor). Upon the occurrence and during the continuance of an Event of
Default and if the Collateral Agent so directs, such Assignor shall legend, in
form and manner satisfactory to the Collateral Agent, the Receivables and the
Contracts, as well as books, records and documents (if any) of such Assignor
evidencing or pertaining to such Receivables and Contracts with an appropriate
reference to the fact that such Receivables and Contracts have been assigned to
the Collateral Agent and that the Collateral Agent has a security interest
therein.

                  3.3      Direction to Account Debtors; Contracting Parties;
etc. Upon the occurrence and during the continuance of an Event of Default, if
the Collateral Agent so directs any Assignor, such Assignor agrees (x) to cause
all payments on account of the Receivables and Contracts to be made directly to
one or more Cash Collateral Accounts (as the Collateral Agent shall so direct),
(y) that the Collateral Agent may, at its option, directly notify the obligors
with respect to any Receivables and/or under any Contracts to make payments with
respect thereto as provided in the preceding clause (x), and (z) that the
Collateral Agent may enforce collection of any such Receivables and Contracts
and may adjust, settle or compromise the amount of payment thereof, in the same
manner and to the same extent as such Assignor. Without notice to or assent by
any Assignor, the Collateral Agent may, upon the occurrence and during the
continuance of an Event of Default, apply any or all amounts then in, or
thereafter deposited in, the Cash Collateral

                                      -6-

<PAGE>

Accounts which application shall be effected in the manner provided in Section
7.4 of this Agreement. The reasonable costs and expenses (including reasonable
attorneys' fees) of collection, whether incurred by an Assignor or the
Collateral Agent, shall be borne by the relevant Assignor. The Collateral Agent
shall deliver a copy of each notice referred to in the preceding clause (y) to
the relevant Assignor, provided, that the failure by the Collateral Agent to so
notify such Assignor shall not affect the effectiveness of such notice or the
other rights of the Collateral Agent created by this Section 3.3.

                  3.4      Modification of Terms; etc. Except in accordance with
such Assignor's ordinary course of business and consistent with reasonable
business judgment, no Assignor shall rescind or cancel any indebtedness
evidenced by any Receivable or under any Contract, or modify any term thereof or
make any adjustment with respect thereto, or extend or renew the same, or
compromise or settle any material dispute, claim, suit or legal proceeding
relating thereto, or sell any Receivable or Contract, or interest therein,
without the prior written consent of the Collateral Agent. No Assignor will do
anything to impair the rights of the Collateral Agent in the Receivables or
Contracts.

                  3.5      Collection. Each Assignor shall endeavor in
accordance with reasonable business practices to cause to be collected from the
account debtor named in each of its Receivables or obligor under any Contract,
as and when due (including, without limitation, amounts which are delinquent,
such amounts to be collected in accordance with generally accepted lawful
collection procedures) any and all amounts owing under or on account of such
Receivable or Contract, and apply forthwith upon receipt thereof all such
amounts as are so collected to the outstanding balance of such Receivable or
under such Contract, except as otherwise directed by the Collateral Agent after
the occurrence and during the continuation of an Event of Default, any Assignor
may allow in the ordinary course of business as adjustments to amounts owing
under its Receivables and Contracts (i) an extension or renewal of the time or
times of payment, or settlement for less than the total unpaid balance, which
such Assignor finds appropriate in accordance with reasonable business judgment
and (ii) a refund or credit due as a result of returned or damaged merchandise
or improperly performed services or for other reasons which such Assignor finds
appropriate in accordance with reasonable business judgment. The reasonable
costs and expenses (including, without limitation, reasonable attorneys' fees)
of collection, whether incurred by an Assignor or the Collateral Agent, shall be
borne by the relevant Assignor.

                  3.6      Instruments. If any Assignor owns or acquires any
Instrument with a value of $50,000 or more constituting Collateral (other than
checks and other payment instruments received and collected in the ordinary
course of business), such Assignor will within 10 Business Days notify the
Collateral Agent thereof, and upon request by the Collateral Agent will promptly
deliver such Instrument to the Collateral Agent appropriately endorsed to the
order of the Collateral Agent as further security hereunder.

                  3.7      Assignors Remain Liable Under Receivables. Anything
herein to the contrary notwithstanding, the Assignors shall remain liable under
each of the Receivables to observe and perform all of the conditions and
obligations to be observed and performed by it thereunder, all in accordance
with the terms of any agreement giving rise to such Receivables.

                                      -7-

<PAGE>

Neither the Collateral Agent nor any other Secured Creditor shall have any
obligation or liability under any Receivable (or any agreement giving rise
thereto) by reason of or arising out of this Agreement or the receipt by the
Collateral Agent or any other Secured Creditor of any payment relating to such
Receivable pursuant hereto, nor shall the Collateral Agent or any other Secured
Creditor be obligated in any manner to perform any of the obligations of any
Assignor under or pursuant to any Receivable (or any agreement giving rise
thereto), to make any payment, to make any inquiry as to the nature or the
sufficiency of any payment received by them or as to the sufficiency of any
performance by any party under any Receivable (or any agreement giving rise
thereto), to present or file any claim, to take any action to enforce any
performance or to collect the payment of any amounts which may have been
assigned to them or to which they may be entitled at any time or times.

                  3.8      Assignors Remain Liable Under Contracts. Anything
herein to the contrary notwithstanding, the Assignors shall remain liable under
each of the Contracts to observe and perform all of the conditions and
obligations to be observed and performed by them thereunder, all in accordance
with and pursuant to the terms and provisions of each Contract. Neither the
Collateral Agent nor any other Secured Creditor shall have any obligation or
liability under any Contract by reason of or arising out of this Agreement or
the receipt by the Collateral Agent or any other Secured Creditor of any payment
relating to such Contract pursuant hereto, nor shall the Collateral Agent or any
other Secured Creditor be obligated in any manner to perform any of the
obligations of any Assignor under or pursuant to any Contract, to make any
payment, to make any inquiry as to the nature or the sufficiency of any
performance by any party under any Contract, to present or file any claim, to
take any action to enforce any performance or to collect the payment of any
amounts which may have been assigned to them or to which they may be entitled at
any time or times.

                  3.9      Changes of Name, Jurisdiction or Organization, etc.
No Assignor shall change its name, form of organization (from that of a
corporation) or jurisdiction of organization, unless it shall have (a) given the
Collateral Agent not less than 30 days' prior written notice thereof, (b)
provided the Collateral Agent with such other information in connection
therewith as the Collateral Agent may reasonably request, and (c) taken all
actions necessary or advisable to maintain the continuous validity, perfection
and the same or better priority of the Collateral Agent's security interest in
the Collateral intended to be granted and agreed to hereby.

                  3.10     Purchase Money Security Interests. If the Collateral
Agent or any Secured Creditor gives value as defined in Section 9-103 of the UCC
to enable Assignor to acquire rights in or the use of any Collateral, it shall
use such value for such purposes and Assignor further agrees that repayment of
any Obligation shall apply on a "first-in, first-out" basis so that the portion
of the value used to acquire rights in any Collateral shall be paid in the
chronological order Assignor acquired rights therein.

                  3.11     Protection of the Collateral Agent's Security. Each
Assignor will do nothing to impair the rights of the Secured Creditors in the
Collateral. Each Assignor assumes all liability and responsibility in connection
with the Collateral owned by it and the liability of each Assignor to pay the
Obligations shall in no way be affected or diminished by reason of the

                                      -8-

<PAGE>

fact that such Collateral may be lost, destroyed, stolen, damaged or for any
reason whatsoever unavailable to it.

                  3.12     Further Actions. Each Assignor will, at its own
expense, make, execute, endorse, acknowledge, file and/or deliver to the
Collateral Agent from time to time such vouchers, invoices, schedules,
confirmatory assignments, conveyances, financing statements, transfer
endorsements, certificates, reports and other assurances or instruments and take
such further steps relating to its Receivables, Contracts, Instruments and other
property or rights covered by the security interest hereby granted, as the
Collateral Agent may reasonably require.

                                   ARTICLE IV

                    SPECIAL PROVISIONS CONCERNING TRADEMARKS

                  4.1      Additional Representations and Warranties. Each
Assignor represents and warrants that it is the true and lawful owner of or
otherwise has the right to use the registered Marks listed in Annex E hereto for
such Assignor and that said listed Marks include all United States registered
marks and applications for United States registered marks in the United States
Patent and Trademark Office that such Assignor owns or uses in connection with
its business as of the date hereof (or intends to use in the case of an Intent
to Use application for trademark registration). Each Assignor represents and
warrants that it owns, is licensed to use or otherwise has the right to use, all
Marks that it uses. Each Assignor further warrants that it has no knowledge of
any material third party claim received by it that any aspect of such Assignor's
present or contemplated business operations infringes or will infringe any
trademark, service mark or trade name of any other Person. Each Assignor
represents and warrants that it is the true and lawful owner of or otherwise has
the right to use all U.S. trademark registrations and applications listed in
Annex E hereto and that said registrations are valid, subsisting, have not been
canceled and that such Assignor is not aware of any material third-party claim
that any of said registrations is invalid or unenforceable, or is not aware that
there is any reason that any of said registrations is invalid or unenforceable,
or is not aware that there is any reason that any of said applications will not
pass to registration. Each Assignor hereby grants to the Collateral Agent an
absolute power of attorney to sign, upon the occurrence and during the
continuance of an Event of Default, any document which may be required by the
United States Patent and Trademark Office in order to effect an absolute
assignment of all right, title and interest in each Mark, and record the same.

                  4.2      Licenses and Assignments. Except as otherwise
permitted by the Secured Debt Agreements, each Assignor hereby agrees not to
divest itself of any right under any Mark absent prior written approval of the
Collateral Agent.

                  4.3      Infringements. Each Assignor agrees, promptly upon
learning thereof, to notify the Collateral Agent in writing of the name and
address of, and to furnish such pertinent information that may be available with
respect to, any party who may be infringing or diluting or otherwise violating
any of such Assignor's rights in and to any significant Mark, or with respect to
any party claiming that such Assignor's use of any Mark violates in any material
respect any

                                      -9-

<PAGE>

property right of that party. Each Assignor further agrees to prosecute
diligently in accordance with reasonable business practices any Person
infringing any significant Mark.

                  4.4      Preservation of Marks. Each Assignor agrees to use or
license (along with the associated goodwill) the use of its Marks in interstate
commerce during the time in which this Agreement is in effect and to take all
such other actions as are necessary to preserve such Marks as trademarks or
service marks under the laws of the United States including, without limitation,
maintaining the quality of all associated products or services and assuring the
use of proper statutory notice of such Marks in association with each associated
product or service.

                  4.5      Maintenance of Registration. Each Assignor shall, at
its own expense, diligently process all documents required to maintain trademark
registrations and/or to prosecute pending applications for registration,
including but not limited to affidavits of use and applications for renewals of
registration in the United States Patent and Trademark Office for all of its
significant registered Marks or applications for registration, and shall pay all
fees and disbursements in connection therewith and shall not abandon any such
application for registration of a Mark, filing of affidavit of use or any such
application of renewal prior to the exhaustion of all administrative and
judicial remedies without prior written consent of the Collateral Agent (other
than with respect to registrations and applications deemed by such Assignor to
be no longer desirable in the conduct of its business). Each Assignor shall, at
its own expense, vigorously defend the validity and enforceability of any Mark
or registration of a Mark in any proceeding or litigation.

                  4.6      Future Registered Marks. If any Mark registration is
issued hereafter to any Assignor as a result of any application now or hereafter
pending before the United States Patent and Trademark Office, within 30 days of
receipt of such certificate, such Assignor shall deliver to the Collateral Agent
a copy of such certificate, and a grant of a security interest in such Mark, to
the Collateral Agent and at the expense of such Assignor, confirming the grant
of a security interest in such Mark to the Collateral Agent hereunder, the form
of such security to be substantially in the form of Annex I hereto or in such
other form as may be reasonably satisfactory to the Collateral Agent.

                  4.7      Remedies. If an Event of Default shall occur and be
continuing, and until such Event of Default is cured or waived in writing to the
written satisfaction of the Required Lenders, the Collateral Agent may, with the
consent of the Required Lenders, and shall, at the request of the Required
Lenders, by written notice to the relevant Assignor, take any or all of the
following actions: (i) declare and assign the entire right, title and interest
of such Assignor in and to each of the Marks, together with all trademark rights
and rights of protection to the same, vested in the Collateral Agent for the
benefit of the Secured Creditors, in which event such rights, title and interest
shall immediately vest, in the Collateral Agent for the benefit of the Secured
Creditors, and the Collateral Agent shall be entitled to exercise the power of
attorney referred to in Section 4.1 hereof to execute, cause to be acknowledged
and notarized and record said absolute assignment with the applicable agency;
(ii) take and use or sell the Marks and the goodwill of such Assignor's business
symbolized by the Marks and the right to carry on the business and use the
assets of such Assignor in connection with which the Marks have been used; and
(iii) direct such Assignor to refrain, in which event such Assignor shall
refrain, from using

                                      -10-

<PAGE>

the Marks in any manner whatsoever, directly or indirectly, and such Assignor
shall execute such further documents that the Collateral Agent may reasonably
request to further confirm this and to transfer ownership of the Marks and
registrations and any pending trademark application in the United States Patent
and Trademark Office to the Collateral Agent.

                                    ARTICLE V

                          SPECIAL PROVISIONS CONCERNING
                      PATENTS, COPYRIGHTS AND TRADE SECRETS

                  5.1      Additional Representations and Warranties. Each
Assignor represents and warrants that it is the true and lawful owner of all
rights in or has the right to use (i) all Trade Secret Rights, (ii) the Patents
listed in Annex F hereto for such Assignor and that said Patents constitute all
the United States or non-United States patents and applications for United
States or non-United States patents that such Assignor owns as of the date
hereof and (iii) the Copyrights listed in Annex G hereto for such Assignor and
that said Copyrights constitute all the United States copyrights registered with
the United States Copyright Office and applications to register United States
copyrights that such Assignor owns as of the date hereof. Each Assignor further
warrants that it has no knowledge of any third party claim that any aspect of
such Assignor's present or contemplated business operations infringes or will
infringe any patent or copyright of any other Person or such Assignor has
misappropriated any trade secret or proprietary information. Each Assignor
hereby grants to the Collateral Agent an absolute power of attorney to sign,
upon the occurrence and during the continuance of any Event of Default, any
document which may be required by the United States Patent and Trademark Office
or the United States Copyright Office in order to effect an absolute assignment
of all right, title and interest in each Patent, including the right to past
damages and to record the same.

                  5.2      Licenses and Assignments. Except as otherwise
permitted by the Secured Debt Agreements, each Assignor hereby agrees not to
divest itself of any right under any Patent or Copyright acquired after the date
hereof absent prior written approval of the Collateral Agent.

                  5.3      Infringements. Each Assignor agrees, promptly upon
learning thereof, to furnish the Collateral Agent in writing with all pertinent
information available to such Assignor with respect to any infringement,
contributing infringement or active inducement to infringe or other violation of
such Assignor's rights in any significant Patent or significant Copyright or to
any claim that the practice of any Patent or use of any Copyright violates any
property right of a third party, or with respect to any misappropriation of any
Trade Secret Right or any claim that practice of any Trade Secret Right violates
any property right of a third party. Each Assignor further agrees, absent
direction of the Collateral Agent to the contrary, to diligently prosecute any
Person infringing any significant Patent or significant Copyright or any Person
misappropriating any significant Trade Secret Right in accordance with
reasonable business practices.

                  5.4      Maintenance of Patents or Copyright. At its own
expense, each Assignor shall make timely payment of all post-issuance fees and
take all actions necessary to maintain in force its rights under each Patent or
Copyright, absent prior written consent of the Collateral Agent, except to the
extent that such Assignor has determined in its reasonable business

                                      -11-

<PAGE>

judgment that the maintenance of such Patent or Copyright is no longer necessary
in the conduct of its business. Assignor shall assure that proper statutory
notice is used in conjunction with all products or services covered by any
Patent or Copyright. Each Assignor shall, at its own expense, vigorously defend
the validity and enforceability of any Patent in any proceeding or litigation.

                  5.5      Prosecution of Patent Applications. At its own
expense, each Assignor shall diligently prosecute all significant applications
for (i) United States Patents listed in Annex F hereto, (ii) Copyrights listed
on Annex G hereto, and (iii) all after-acquired or filed patent or copyright
applications in each case for such Assignor and shall not abandon any such
application prior to exhaustion of all administrative and judicial remedies
absent written consent of the Collateral Agent, except to the extent that such
Assignor has determined in its reasonable business judgment that such
application is no longer necessary in the conduct of its business.

                  5.6      Future Patents and Copyrights. Within 30 days of the
acquisition or issuance of a United States Patent, registration of a Copyright,
or acquisition of a registered Copyright, or of filing of an application for a
United States Patent or Copyright, the relevant Assignor shall deliver to the
Collateral Agent a copy of said Copyright or certificate or registration of, or
application therefor, said Patents, as the case may be, with a grant of a
security interest in such Patent or Copyright, as the case may be, to the
Collateral Agent and at the expense of such Assignor, confirming the grant of a
security interest, the form of such grant of a security interest to be
substantially in the form of Annex I or J hereto, as appropriate, or in such
other form as may be reasonably satisfactory to the Collateral Agent.

                  5.7      Remedies. If an Event of Default shall occur and be
continuing, and until such Event of Default is cured or waived in writing to the
written satisfaction of the Required Lenders, the Collateral Agent may, with the
consent of the Required Lenders, and shall, at the request of the Required
Lenders, by written notice to the relevant Assignor, take any or all of the
following actions: (i) declare and assign the entire right, title, and interest
of such Assignor in each of the Patents and Copyrights vested in the Collateral
Agent, including the right to sue for past damages, for the benefit of the
Secured Creditors, in which event such right, title, and interest and right to
sue for past damages shall immediately vest in the Collateral Agent for the
benefit of the Secured Creditors, in which case the Collateral Agent shall be
entitled to exercise the power of attorney referred to in Section 5.1 hereof to
execute, cause to be acknowledged and notarized and to record said absolute
assignment with the applicable agency; (ii) take and practice or sell the
Patents and Copyrights; and (iii) direct such Assignor to refrain, in which
event such Assignor shall refrain, from practicing the Patents and using the
Copyrights directly or indirectly, and such Assignor shall execute such further
documents as the Collateral Agent may request further to confirm this and to
transfer ownership of the Patents and Copyrights to the Collateral Agent for the
benefit of the Secured Creditors.

                                   ARTICLE VI

                      PROVISIONS CONCERNING ALL COLLATERAL

                                      -12-

<PAGE>

                  6.1      Protection of Collateral Agent's Security. Each
Assignor will do nothing to impair the rights of the Collateral Agent in the
Collateral. Each Assignor will at all times keep its Inventory and Equipment
insured in favor of the Collateral Agent, at such Assignor's own expense to the
extent and in the manner provided in the Credit Agreement. Except to the extent
otherwise permitted to be retained by such Assignor or applied by such Assignor
pursuant to the terms of the Credit Agreement, the Collateral Agent shall, at
the time any proceeds of such insurance are distributed to the Secured
Creditors, apply such proceeds in accordance with Section 7.4 hereof. Each
Assignor assumes all liability and responsibility in connection with the
Collateral acquired by it and the liability of such Assignor to pay the
Obligations shall in no way be affected or diminished by reason of the fact that
such Collateral may be lost, destroyed, stolen, damaged or for any reason
whatsoever unavailable to such Assignor.

                  6.2      Warehouse Receipts Non-negotiable. To the extent
practicable, each Assignor agrees that if any warehouse receipt or receipt in
the nature of a warehouse receipt is issued with respect to any of its
Inventory, such Assignor shall request that such warehouse receipt or receipt in
the nature thereof shall not be "negotiable" (as such term is used in Section
7-104 of the Uniform Commercial Code as in effect in any relevant jurisdiction
or under other relevant law).

                  6.3      Further Actions. Each Assignor will, at its own
expense and upon the reasonable request of the Collateral Agent, make, execute,
endorse, acknowledge, file and/or deliver to the Collateral Agent from time to
time such lists, descriptions and designations of its Collateral, warehouse
receipts, receipts in the nature of warehouse receipts, bills of lading,
documents of title, vouchers, invoices, schedules, confirmatory assignments,
conveyances, financing statements, transfer endorsements, certificates, reports
and other assurances or instruments and take such further steps relating to the
Collateral and other property or rights covered by the security interest hereby
granted, which the Collateral Agent deems reasonably appropriate or advisable to
perfect, preserve or protect its security interest in the Collateral.

                  6.4      Financing Statements. Each Assignor agrees to execute
and deliver to the Collateral Agent such financing statements, in form
reasonably acceptable to the Collateral Agent, as the Collateral Agent may from
time to time reasonably request or as are reasonably necessary or desirable in
the opinion of the Collateral Agent to establish and maintain a valid,
enforceable, first priority perfected security interest in the Collateral as
provided herein and the other rights and security contemplated hereby all in
accordance with the UCC as enacted in any and all relevant jurisdictions or any
other relevant law. Each Assignor will pay any applicable filing fees,
recordation taxes and related expenses relating to its Collateral. Each Assignor
hereby authorizes the Collateral Agent to file any such financing statements
without the signature of such Assignor where permitted by law.

                  6.5      Authorization to File. Each Assignor hereby
authorizes the Collateral Agent to file a record or records (as defined in
Article 9 of the UCC), including, without limitation, financing statements, in
all jurisdictions and with all filing offices as the Collateral Agent may
determine, in its sole discretion, are necessary or advisable to perfect the
security interest granted to the Collateral Agent herein. Such financing
statements may describe the Collateral in the same manner as described herein or
may contain an indication or description of

                                      -13-

<PAGE>

collateral that describes such property in any other manner as the Collateral
Agent may determine, in its sole discretion, is necessary, advisable or prudent
to ensure the perfection of the security interest in the Collateral granted to
the Collateral Agent herein, including, without limitation, describing such
property as "all assets" or "all personal property," and such financing
statements may be filed prior to the date of this Agreement.

                                   ARTICLE VII

                  REMEDIES UPON OCCURRENCE OF EVENT OF DEFAULT

                  7.1      Remedies; Obtaining the Collateral Upon Default. Each
Assignor agrees that, if any Event of Default shall have occurred and be
continuing, then and in every case, the Collateral Agent, in addition to any
rights now or hereafter existing under applicable law, shall have all rights as
a secured creditor under any UCC, and such additional rights and remedies to
which a secured creditor is entitled under the laws in effect, in all relevant
jurisdictions and, each Assignor agrees that, if an Event of Default shall have
occurred and be continuing, and until such Event of Default is cured or waived
in writing to the written satisfaction of the Required Lenders, the Collateral
Agent may, with the consent of the Required Lenders, and shall, at the request
of the Required Lenders, by written notice to the relevant Assignor, take any or
all of the following actions,:

                           (i)      personally, or by agents or attorneys,
         immediately take possession of the Collateral or any part thereof, from
         such Assignor or any other Person who then has possession of any part
         thereof with or without notice or process of law, and for that purpose
         may enter upon such Assignor's premises where any of the Collateral is
         located and remove the same and use in connection with such removal any
         and all services, supplies, aids and other facilities of such Assignor;

                           (ii)     instruct the obligor or obligors on any
         agreement, instrument or other obligation (including, without
         limitation, the Receivables and the Contracts) constituting the
         Collateral to make any payment required by the terms of such agreement,
         instrument or other obligation directly to the Collateral Agent and may
         exercise any and all remedies of such Assignor in respect of such
         Collateral;

                           (iii)    withdraw all monies, securities and
         instruments in the Cash Collateral Account(s) for application to the
         Obligations in accordance with Section 7.4 hereof;

                           (iv)     sell, assign or otherwise liquidate any or
         all of the Collateral or any part thereof in accordance with Section
         7.2 hereof, or direct the relevant Assignor to sell, assign or
         otherwise liquidate any or all of the Collateral or any part thereof,
         and, in each case, take possession of the proceeds of any such sale or
         liquidation;

                           (v)      personally, or by agents or attorneys,
         immediately take possession of the Collateral or any part thereof, by
         directing the relevant Assignor in writing to

                                      -14-

<PAGE>

         deliver the same to the Collateral Agent at any reasonable place or
         places designated by the Collateral Agent, in which event such Assignor
         shall at its own expense:

                                    (x)      forthwith cause the same to be
                           moved to the place or places so designated by the
                           Collateral Agent and there delivered to the
                           Collateral Agent;

                                    (y)      store and keep any Collateral so
                           delivered to the Collateral Agent at such place or
                           places pending further action by the Collateral Agent
                           as provided in Section 7.2 hereof; and

                                    (z)      while the Collateral shall be so
                           stored and kept, provide such guards and maintenance
                           services as shall be necessary to protect the same
                           and to preserve and maintain them in good condition;
                           and

                           (vi)     license or sublicense, whether on an
         exclusive or nonexclusive basis, any Marks, Patents, Copyrights or
         Proprietary Information included in the Collateral for such term and on
         such conditions and in such manner as the Collateral Agent shall in its
         sole judgment determine;

it being understood that each Assignor's obligation so to deliver the Collateral
is of the essence of this Agreement and that, accordingly, upon application to a
court of equity having jurisdiction, the Collateral Agent shall be entitled to a
decree requiring specific performance by such Assignor of said obligation. By
accepting the benefits of this Agreement, the Secured Creditors agree that this
Agreement may be enforced only by the action of the Collateral Agent acting upon
the instructions of the Required Secured Creditors and that no other Secured
Creditor shall have any right individually to seek to enforce this Agreement or
to realize upon the security to be granted hereby, it being understood and
agreed that such rights and remedies may be exercised by the Collateral Agent
for the benefit of the Secured Creditors upon the terms of this Agreement and
the Credit Agreement.

                  7.2      Remedies; Disposition of the Collateral. If any Event
of Default shall have occurred and be continuing, then any Collateral
repossessed by the Collateral Agent under or pursuant to Section 7.1 hereof and
any other Collateral whether or not so repossessed by the Collateral Agent, may
be sold, assigned, leased or otherwise disposed of under one or more contracts
or as an entirety, and without the necessity of gathering at the place of sale
the property to be sold, and in general in such manner, at such time or times,
at such place or places and on such terms as the Collateral Agent may, in
compliance with any mandatory requirements of applicable law, determine to be
commercially reasonable. Any of the Collateral may be sold, leased or otherwise
disposed of, in the condition in which the same existed when taken by the
Collateral Agent or after any overhaul or repair at the expense of the relevant
Assignor which the Collateral Agent shall determine to be commercially
reasonable. Any such disposition which shall be a private sale or other private
proceedings permitted by such requirements shall be made upon not less than 10
days' prior written notice to the relevant Assignor specifying the time at which
such disposition is to be made and the intended sale price or other
consideration therefor, and shall be subject, for the 10 days after the giving
of such notice, to the right of the relevant Assignor or any

                                      -15-

<PAGE>

nominee of such Assignor to acquire the Collateral involved at a price or for
such other consideration at least equal to the intended sale price or other
consideration so specified. Any such disposition which shall be a public sale
permitted by such requirements shall be made upon not less than 10 days' prior
written notice to the relevant Assignor specifying the time and place of such
sale and, in the absence of applicable requirements of law, shall be by public
auction (which may, at the Collateral Agent's option, be subject to reserve),
after publication of notice of such auction (where required by applicable law)
not less than 10 days prior thereto. The Collateral Agent may, without notice or
publication, adjourn any public or private sale or cause the same to be
adjourned from time to time by announcement at the time and place fixed for the
sale, and such sale may be made at any time or place to which the sale may be so
adjourned. To the extent permitted by any such requirement of law, the
Collateral Agent may bid for and become the purchaser of the Collateral or any
item thereof, offered for sale in accordance with this Section without
accountability to the relevant Assignor. If, under mandatory requirements of
applicable law, the Collateral Agent shall be required to make disposition of
the Collateral within a period of time which does not permit the giving of
notice to the relevant Assignor as hereinabove specified, the Collateral Agent
need give such Assignor only such notice of disposition as shall be reasonably
practicable in view of such mandatory requirements of applicable law. Each
Assignor agrees to do or cause to be done all such other acts and things as may
be reasonably necessary to make such sale or sales of all or any portion of the
Collateral valid and binding and in compliance with any and all applicable laws,
regulations, orders, writs, injunctions, decrees or awards of any and all
courts, arbitrators or governmental instrumentalities, domestic or foreign,
having jurisdiction over any such sale or sales, all at such Assignor's expense.

                  7.3      Waiver of Claims. Except as otherwise provided in
this Agreement, EACH ASSIGNOR HEREBY WAIVES, TO THE EXTENT PERMITTED BY
APPLICABLE LAW, NOTICE AND JUDICIAL HEARING IN CONNECTION WITH THE COLLATERAL
AGENT'S TAKING POSSESSION OR THE COLLATERAL AGENT'S DISPOSITION OF ANY OF THE
COLLATERAL, INCLUDING, WITHOUT LIMITATION, ANY AND ALL PRIOR NOTICE AND HEARING
FOR ANY PREJUDGMENT REMEDY OR REMEDIES, and each Assignor hereby further waives,
to the extent permitted by law:

                           (i)      all damages occasioned by such taking of
         possession except any damages which are the direct result of the
         Collateral Agent's gross negligence or willful misconduct (as
         determined by a court of competent jurisdiction in a final and
         non-appealable decision);

                           (ii)     all other requirements as to the time, place
         and terms of sale or other requirements with respect to the enforcement
         of the Collateral Agent's rights hereunder; and

                           (iii)    all rights of redemption, appraisement,
         valuation, stay, extension or moratorium now or hereafter in force
         under any applicable law in order to prevent or delay the enforcement
         of this Agreement or the absolute sale of the Collateral or any portion
         thereof, and each Assignor, for itself and all who may claim under it,
         insofar as it or they now or hereafter lawfully may, hereby waives the
         benefit of all such laws.

                                      -16-

<PAGE>

Any sale of, or the grant of options to purchase, or any other realization upon,
any Collateral shall operate to divest all right, title, interest, claim and
demand, either at law or in equity, of the relevant Assignor therein and
thereto, and shall be a perpetual bar both at law and in equity against such
Assignor and against any and all Persons claiming or attempting to claim the
Collateral so sold, optioned or realized upon, or any part thereof, from,
through and under such Assignor.

                  7.4      Application of Proceeds.

                  (a)      All moneys collected by the Collateral Agent (or, to
         the extent the Pledge Agreement, any Mortgage or any Additional
         Security Document require proceeds of collateral under such other
         Security Document to be applied in accordance with the provisions of
         this Agreement, the Pledge or Collateral Agent under such other
         Security Document) upon any sale or other disposition of the
         Collateral, together with all other moneys received by the Collateral
         Agent hereunder, shall be applied as follows.

                           (i)      first, to the payment of all amounts owing
         the Collateral Agent of the type described in clauses (iii) and (iv) of
         the definition of "Obligations";

                           (ii)     second, to the extent proceeds remain after
         the application pursuant to the preceding clause (i), an amount equal
         to the outstanding Primary Obligations shall be paid to the Secured
         Creditors as provided in Section 7.4(e) hereof, with each Secured
         Creditor receiving an amount equal to such outstanding Primary
         Obligations or, if the proceeds are insufficient to pay in full all
         such Primary Obligations, its Pro Rata Share of the amount remaining to
         be distributed;

                           (iii)    third, to the extent proceeds remain after
         the application pursuant to the preceding clauses (i) and (ii), an
         amount equal to the outstanding Secondary Obligations shall be paid to
         the Secured Creditors as provided in Section 7.4(e) hereof, with each
         Secured Creditor receiving an amount equal to its outstanding Secondary
         Obligations or, if the proceeds are insufficient to pay in full all
         such Secondary Obligations, its Pro Rata Share of the amount remaining
         to be distributed; and

                           (iv)     fourth, to the extent proceeds remain after
         the application pursuant to the preceding clauses (i) through (iii),
         inclusive, and following the termination of this Agreement pursuant to
         Section 10.8(a) hereof, to the relevant Assignor or to whomever may be
         lawfully entitled to receive such surplus.

                  (b)      For purposes of this Agreement, (x) "Pro Rata Share"
         shall mean, when calculating a Secured Creditor's portion of any
         distribution or amount, that amount (expressed as a percentage) equal
         to a fraction the numerator of which is the then unpaid amount of such
         Secured Creditor's Primary Obligations or Secondary Obligations, as the
         case may be, and the denominator of which is the then outstanding
         amount of all Primary Obligations or Secondary Obligations, as the case
         may be, (y) "Primary Obligations" shall mean (i) in the case of the
         Credit Document Obligations, all principal of, premium, fees and
         interest on, all Loans, all Unpaid Drawings theretofore made (together
         with all

                                      -17-

<PAGE>

         interest accrued thereon), the aggregate Stated Amount of all Letters
         of Credit issued or deemed issued under the Credit Agreement and all
         Fees and (ii) in the case of the Other Obligations, all amounts due
         under such Interest Rate Protection Agreements or Other Hedging
         Agreements (other than indemnities, fees (including, without
         limitation, attorneys' fees) and similar obligations and liabilities)
         and (z) "Secondary Obligations" shall mean all Obligations other than
         Primary Obligations.

                  (c)      When payments to Secured Creditors are based upon
         their respective Pro Rata Shares, the amounts received by such Secured
         Creditors hereunder shall be applied (for purposes of making
         determinations under this Section 7.4 only) (i) first, to their Primary
         Obligations and (ii) second, to their Secondary Obligations. If any
         payment to any Secured Creditor of its Pro Rata Share of any
         distribution would result in overpayment to such Secured Creditor, such
         excess amount shall instead be distributed in respect of the unpaid
         Primary Obligations or Secondary Obligations, as the case may be, of
         the other Secured Creditors, with each Secured Creditor whose Primary
         Obligations or Secondary Obligations, as the case may be, have not been
         paid in full to receive an amount equal to such excess amount
         multiplied by a fraction the numerator of which is the unpaid Primary
         Obligations or Secondary Obligations, as the case may be, of such
         Secured Creditor and the denominator of which is the unpaid Primary
         Obligations or Secondary Obligations, as the case may be, of all
         Secured Creditors entitled to such distribution.

                  (d)      Each of the Secured Creditors, by their acceptance of
         the benefits hereof, agrees and acknowledges that if the Lender
         Creditors are to receive a distribution on account of undrawn amounts
         with respect to Letters of Credit issued under the Credit Agreement
         (which shall only occur after all outstanding Loans and Unpaid Drawings
         with respect to such Letters of Credit have been paid in full), such
         amounts shall be paid to the Administrative Agent under the Credit
         Agreement and held by it, for the equal and ratable benefit of the
         Lender Creditors, as cash security for the repayment of Obligations
         owing to the Lender Creditors as such. If any amounts are held as cash
         security pursuant to the immediately preceding sentence, then upon the
         termination of all outstanding Letters of Credit, and after the
         application of all such cash security to the repayment of all
         Obligations owing to the Lender Creditors after giving effect to the
         termination of all such Letters of Credit, if there remains any excess
         cash, such excess cash shall be returned by the Administrative Agent to
         the Collateral Agent for distribution in accordance with Section 7.4(a)
         hereof.

                  (e)      All payments required to be made hereunder shall be
         made (x) if to the Lender Creditors, to the Administrative Agent under
         the Credit Agreement for the account of the Lender Creditors, and (y)
         if to the Other Creditors, to the trustee, paying agent or other
         similar representative (each a "Representative") for the Other
         Creditors or, in the absence of such a Representative, directly to the
         Other Creditors.

                  (f)      For purposes of applying payments received in
         accordance with this Section 7.4, the Collateral Agent shall be
         entitled to rely upon (i) the Administrative Agent under the Credit
         Agreement and (ii) the Representative for the Other Creditors or,

                                      -18-

<PAGE>

         in the absence of such a Representative, upon the Other Creditors for a
         determination (which the Administrative Agent, each Representative for
         any Other Creditors and the Secured Creditors agree (or shall agree) to
         provide upon request of the Collateral Agent) of the outstanding
         Primary Obligations and Secondary Obligations owed to the Lender
         Creditors or the Other Creditors, as the case may be. Unless it has
         actual knowledge (including by way of written notice from a Lender
         Creditor or an Other Creditor) to the contrary, the Administrative
         Agent and each Representative, in furnishing information pursuant to
         the preceding sentence, and the Collateral Agent, in acting hereunder,
         shall be entitled to assume that no Secondary Obligations are
         outstanding. Unless it has actual knowledge (including by way of
         written notice from an Other Creditor) to the contrary, the Collateral
         Agent, in acting hereunder, shall be entitled to assume that no
         Interest Rate Protection Agreements or Other Hedging Agreements are in
         existence.

                  (g)      It is understood that the Assignors shall remain
         jointly and severally liable to the extent of any deficiency between
         the amount of the proceeds of the Collateral and the aggregate amount
         of the Obligations.

                  7.5      Remedies Cumulative. Each and every right, power and
remedy hereby specifically given to the Collateral Agent shall be in addition to
every other right, power and remedy specifically given under this Agreement, the
other Secured Debt Agreements or now or hereafter existing at law, in equity or
by statute and each and every right, power and remedy whether specifically
herein given or otherwise existing may be exercised from time to time or
simultaneously and as often and in such order as may be deemed expedient by the
Collateral Agent. All such rights, powers and remedies shall be cumulative and
the exercise or the beginning of the exercise of one shall not be deemed a
waiver of the right to exercise any other or others. No delay or omission of the
Collateral Agent in the exercise of any such right, power or remedy and no
renewal or extension of any of the Obligations shall impair any such right,
power or remedy or shall be construed to be a waiver of any Default or Event of
Default or an acquiescence therein. No notice to or demand on any Assignor in
any case shall entitle it to any other or further notice or demand in similar or
other circumstances or constitute a waiver of any of the rights of the
Collateral Agent to any other or further action in any circumstances without
notice or demand. In the event that the Collateral Agent shall bring any suit to
enforce any of its rights hereunder and shall be entitled to judgment, then in
such suit the Collateral Agent may recover reasonable expenses, including
reasonable attorneys' fees, and the amounts thereof shall be included in such
judgment.

                  7.6      Discontinuance of Proceedings. In case the Collateral
Agent shall have instituted any proceeding to enforce any right, power or remedy
under this Agreement by foreclosure, sale, entry or otherwise, and such
proceeding shall have been discontinued or abandoned for any reason or shall
have been determined adversely to the Collateral Agent, then and in every such
case the relevant Assignor, the Collateral Agent and each holder of any of the
Obligations shall be restored to their former positions and rights hereunder
with respect to the Collateral subject to the security interest created under
this Agreement, and all rights, remedies and powers of the Collateral Agent
shall continue as if no such proceeding had been instituted.

                                      -19-

<PAGE>

                                  ARTICLE VIII

                                    INDEMNITY

                  8.1      Indemnity.

                  (a)      Each Assignor jointly and severally agrees to
         indemnify, reimburse and hold the Collateral Agent, each other Secured
         Creditor and their respective successors, permitted assigns, employees
         and agents (hereinafter in this Section 8.1 referred to individually as
         "Indemnitee," and collectively as "Indemnitees") harmless from any and
         all liabilities, obligations, damages, injuries, penalties, claims,
         demands, actions, suits, judgments and any and all costs, expenses or
         disbursements (including reasonable attorneys' fees and expenses) (for
         the purposes of this Section 8.1 the foregoing are collectively called
         "expenses") of whatsoever kind and nature imposed on, asserted against
         or incurred by any of the Indemnitees in any way relating to or arising
         out of this Agreement, any other Secured Debt Agreement or any other
         document executed in connection herewith or therewith or in any other
         way connected with the administration of the transactions contemplated
         hereby or thereby or the enforcement of any of the terms of, or the
         preservation of any rights under any thereof, or in any way relating to
         or arising out of the manufacture, ownership, ordering, purchase,
         delivery, control, acceptance, lease, financing, possession, operation,
         condition, sale, return or other disposition, or use of the Collateral
         (including, without limitation, latent or other defects, whether or not
         discoverable), the violation of the laws of any country, state or other
         governmental body or unit, any tort (including, without limitation,
         claims arising or imposed under the doctrine of strict liability, or
         for or on account of injury to or the death of any Person (including
         any Indemnitee), or property damage), or contract claim; provided that
         no Indemnitee shall be indemnified pursuant to this Section 8.1(a) for
         losses, damages or liabilities to the extent caused by the gross
         negligence or willful misconduct of such Indemnitee (a) determined by a
         court of competent jurisdiction in a final and non-appealable
         decision). Each Assignor agrees that upon written notice by any
         Indemnitee of the assertion of such a liability, obligation, damage,
         injury, penalty, claim, demand, action, suit or judgment, the relevant
         Assignor shall assume full responsibility for the defense thereof. Each
         Indemnitee agrees to use its best efforts to promptly notify the
         relevant Assignor of any such assertion of which such Indemnitee has
         knowledge.

                  (b)      Without limiting the application of Section 8.1(a)
         hereof, each Assignor agrees, jointly and severally, to pay, or
         reimburse the Collateral Agent for any and all reasonable fees, costs
         and expenses of whatever kind or nature incurred in connection with the
         creation, preservation or protection of the Collateral Agent's Liens
         on, and security interest in, the Collateral, including, without
         limitation, all fees and taxes in connection with the recording or
         filing of instruments and documents in public offices, payment or
         discharge of any taxes or Liens upon or in respect of the Collateral,
         premiums for insurance with respect to the Collateral and all other
         fees, costs and expenses in connection with protecting, maintaining or
         preserving the Collateral and the Collateral Agent's interest therein,
         whether through judicial proceedings or otherwise, or in

                                      -20-

<PAGE>

         defending or prosecuting any actions, suits or proceedings arising out
         of or relating to the Collateral.

                  (c)      Without limiting the application of Section 8.1(a) or
         (b) hereof, each Assignor agrees, jointly and severally, to pay,
         indemnify and hold each Indemnitee harmless from and against any loss,
         costs, damages and expenses which such Indemnitee may suffer, expend or
         incur in consequence of or growing out of any misrepresentation by any
         Assignor in this Agreement, any other Secured Debt Agreement or in any
         writing contemplated by or made or delivered pursuant to or in
         connection with this Agreement or any other Secured Debt Agreement.

                  (d)      If and to the extent that the obligations of any
         Assignor under this Section 8.1 are unenforceable for any reason, such
         Assignor hereby agrees to make the maximum contribution to the payment
         and satisfaction of such obligations which is permissible under
         applicable law.

                  8.2      Indemnity Obligations Secured by Collateral;
Survival. Any amounts paid by any Indemnitee as to which such Indemnitee has the
right to reimbursement shall constitute Obligations secured by the Collateral.
The indemnity obligations of each Assignor contained in this Article VIII shall
continue in full force and effect notwithstanding the full payment of all of the
other Obligations and notwithstanding the full payment of all the Notes issued,
and Loans made under the Credit Agreement, the termination of all Interest Rate
Protection Agreements, Other Hedging Agreements and Letters of Credit and the
payment of all other Obligations and notwithstanding the discharge thereof.

                                   ARTICLE IX

                                   DEFINITIONS

                  The following terms shall have the meanings herein specified.
Such definitions shall be equally applicable to the singular and plural forms of
the terms defined.

                  "Account" means an "account" as defined in the Minnesota UCC.

                  "Administrative Agent" has the meaning provided in the
recitals of this Agreement.

                  "Agreement" means this Security Agreement as the same may be
modified, supplemented or amended from time to time in accordance with its
terms.

                  "Assignor" has the meaning provided in the first paragraph of
this Agreement.

                  "Borrower" has the meaning provided in the recitals of this
Agreement.

                  "Cash Collateral Account" means a Deposit Account which is (i)
maintained with, and in the sole dominion and control of, the Collateral Agent
for the benefit of the Secured Creditors, and (ii) is the subject of a Control
Agreement.

                                      -21-

<PAGE>

                  "Certificated Security" means a "certificated security" as
defined in the Minnesota UCC.

                  "Chattel Paper" means "chattel paper" as defined in the
Minnesota UCC.

                  "Class" has the meaning provided in Section 10.2 of this
Agreement.

                  "Collateral" has the meaning provided in Section 1.1(a) of
this Agreement.

                  "Collateral Agent" has the meaning provided in the first
paragraph of this Agreement.

                  "Commodities Accounts" means a "commodity account" as defined
in the Minnesota UCC. The term "Commodities Accounts" shall include, without
limitation, all of the accounts listed on Annex H under the heading "Commodities
Accounts" as such annex may be amended or supplemented from time to time.

                  "Contract Rights" means all rights of any Assignor under each
Contract, including, without limitation, (i) any and all rights to receive and
demand payments under any or all Contracts, (ii) any and all rights to receive
and compel performance under any or all Contracts and (iii) any and all other
rights, interests and claims now existing or in the future arising in connection
with any or all Contracts.

                  "Contracts" means all contracts between any Assignor and one
or more additional parties (including, without limitation, any Interest Rate
Protection Agreements, Other Hedging Agreements, and any partnership agreements,
joint venture agreements and limited liability company agreements), but
excluding any contract to the extent that (but only as long as) the terms
thereof prohibit the assignment of, or granting a security interest in, such
contract (it being understood and agreed, however, (i) that notwithstanding the
foregoing, all rights to payment for money due or to become due pursuant to any
such excluded contract shall be subject to the security interests created by
this Agreement and (ii) such excluded contract shall otherwise be subject to the
security interests created by this Agreement upon receiving any necessary
approvals or waivers permitting the assignment thereof).

                  "Control Agreement" means, in the case of a Securities
Account, an agreement substantially in the form of Annex H to the Pledge
Agreement, and in the case of a Deposit Account, an agreement substantially in
the form of Annex I to the Pledge Agreement.

                  "Copyrights" means any United States or foreign copyright now
or hereafter owned by any Assignor, including any registrations of any
Copyrights, in the United States Copyright Office or any foreign equivalent
office, as well as any application for a copyright registration now or hereafter
made with the United States Copyright Office or any foreign equivalent office by
any Assignor.

                  "Credit Agreement" has the meaning provided in the recitals of
this Agreement.

                                      -22-

<PAGE>

                  "Credit Document Obligations" has the meaning provided in the
definition of "Obligations" in this Article IX.

                  "Default" means any event which, with notice or lapse of time,
or both, would constitute an Event of Default.

                  "Deposit Account" means a "deposit account" as defined in the
Minnesota UCC. The term "Deposit Accounts" shall include, without limitation,
all of the accounts listed on Annex H under the heading "Deposit Accounts" as
such schedule may be amended or supplemented from time to time.

                  "Document" means a "document" as defined in the Minnesota UCC.

                  "Equipment" means any "equipment," as such term is defined in
the Minnesota UCC, now or hereafter owned by any Assignor and, in any event,
shall include, but shall not be limited to, all machinery, equipment,
furnishings, fixtures and vehicles now or hereafter owned by any Assignor and
any and all additions, substitutions and replacements of any of the foregoing,
wherever located, together with all attachments, components, parts, equipment
and accessories installed thereon or affixed thereto.

                  "Event of Default" means any Event of Default under, and as
defined in, the Credit Agreement and shall in any event include, without
limitation, any payment default on any of the Other Obligations after the
expiration of any applicable grace period.

                  "General Intangible" means a "general intangible" as defined
in the Minnesota UCC. The term "General Intangibles" shall include, without
limitation, all interest rate or currency protection or hedging arrangements,
all tax refunds, all licenses, permits, concessions and authorizations, all
Contracts, all Intellectual Property, all Payment Intangibles, all partnership
interests, and all limited liability company and membership interests (in each
case, regardless of whether characterized as general intangibles under the UCC).

                  "Goods" means "goods" as defined in the Minnesota UCC.

                  "Indemnitee" has the meaning provided in Section 8.1 of this
Agreement.

                  "Instrument" means an "instrument" as defined in the Minnesota
UCC.

                  "Insurance" means (i) all insurance policies covering all
Collateral (regardless of whether the Collateral Agent is the loss payee) and
(ii) all key-man life insurance policies.

                  "Intellectual Property" means all Patents, Copyrights and
Marks of the Assignors or any of them.

                  "Inventory" means "inventory" as defined in the Minnesota UCC.

                  "Investment Property" means "investment property" as defined
in the Minnesota UCC.

                                      -23-

<PAGE>

                  "Investment Related Property" means Investment Property, and
without limitation, shall include all Deposit Accounts (including the Collateral
Account(s)), all Securities Accounts, and all Commodities Accounts (in each case
regardless of whether classified as Investment Property under the UCC).

                  "Lender Creditors" has the meaning provided in the recitals of
this Agreement.

                  "Lenders" has the meaning provided in the recitals of this
Agreement.

                  "Letter of Credit Right" means a "Letter of Credit Right" as
defined in the Minnesota UCC.

                  "Liens" means any security interest, mortgage, pledge, lien,
claim, charge, encumbrance, title retention agreement, lessor's interest in a
financing lease or analogous instrument, in, of, or on any Assignor's property.

                  "Marks" means all right, title and interest in and to any
trademarks, service marks and trade names now held or hereafter acquired by any
Assignor, including any registration or application for registration of any
trademarks and service marks now held or hereafter acquired by an Assignor,
which are registered in the United States Patent and Trademark Office or the
equivalent thereof in any state of the United States or any foreign equivalent
office; as well as any unregistered marks used by any Assignor and any trade
dress including logos, designs, company names, business names, fictitious
business names and other business identifiers used by any Assignor, excluding,
however, from the term "Marks" any United States Intent-to-Use trademark
application prior to the filing and acceptance of a Statement of Use or an
Amendment to allege use in connection therewith to the extent that a valid
security interest may not be taken in such an Intent-to-Use trademark
application under applicable law.

                  "Minnesota UCC" means the UCC as in effect in Minnesota on the
date hereof.

                  "Money" means Money as defined in the Minnesota UCC.

                  "Non-Assignable Contract" - see Section 1(b) of this
Agreement..

                  "Non-Assignable Intellectual Property" - see Section 1(b) of
this Agreement.

                  "Obligations" means (i) the full and prompt payment when due
(whether at the stated maturity, by acceleration or otherwise) of all
obligations and indebtedness (including, without limitation, indemnities, Fees
and interest thereon) of each Assignor to the Lender Creditors, whether now
existing or hereafter incurred under, arising out of, or in connection with the
Credit Agreement and the other Credit Documents to which such Assignor is a
party (including, in the case of each Assignor which is a Subsidiary Guarantor,
all such obligations and indebtedness of such Assignor under the Subsidiaries
Guaranty) and the due performance and compliance by such Assignor with all of
the terms, conditions and agreements contained in the Credit Agreement and in
such other Credit Documents (all such obligations and liabilities under this
clause (i), except to the extent consisting of obligations or indebtedness with
respect to Interest Rate Protection Agreements or Other Hedging Agreements,
being herein collectively

                                      -24-

<PAGE>

called the "Credit Document Obligations"); (ii) the full and prompt payment when
due (whether at the stated maturity, by acceleration or otherwise) of all
obligations and liabilities owing by such Assignor to the Other Creditors under,
or with respect to (including, in the case of each Assignor which is a
Subsidiary Guarantor, by reason of the Subsidiaries Guaranty), any Interest Rate
Protection Agreement or Other Hedging Agreement, whether such Interest Rate
Protection Agreement or Other Hedging Agreement is now in existence or hereafter
arising, and the due performance and compliance by such Assignor with all of the
terms, conditions and agreements contained therein (all such obligations and
liabilities described in this clause (ii) being herein collectively called the
"Other Obligations"); (iii) any and all sums advanced by the Collateral Agent in
order to preserve the Collateral or preserve its security interest in the
Collateral; (iv) in the event of any proceeding for the collection or
enforcement of any indebtedness, obligations, or liabilities of such Assignor
referred to in clauses (i) and (ii) above, after an Event of Default shall have
occurred and be continuing, the reasonable expenses of retaking, holding,
preparing for sale or lease, selling or otherwise disposing of or realizing on
the Collateral, or of any exercise by the Collateral Agent of its rights
hereunder, together with reasonable attorneys' fees and court costs; and (v) all
amounts paid by any Indemnitee as to which such Indemnitee has the right to
reimbursement under Section 8.1 of this Agreement; it being acknowledged and
agreed that the "Obligations" shall include extensions of credit of the types
described above, whether outstanding on the date of this Agreement or extended
from time to time after the date of this Agreement.

                  "Other Creditors" has the meaning provided in the recitals of
this Agreement.

                  "Other Obligations" has the meaning provided in the definition
of "Obligations" in this Article IX.

                  "Patents" means all right, title and interest in and to any
United States or non-United States patent to which any Assignor now or hereafter
has title and any divisions continuations, reissues or reexaminations thereof,
as well as any application for a patent now or hereafter made or acquired by any
Assignor.

                  "Payment Intangible" means a "payment intangible" as defined
in the Minnesota UCC.

                  "Permits" means, to the extent permitted to be assigned by the
terms thereof or by applicable law, all licenses, permits, rights, orders,
variances, franchises or authorizations of or from any governmental authority or
agency.

                  "Primary Obligations" has the meaning provided in Section
7.4(b) of this Agreement.

                  "Pro Rata Share" has the meaning provided in Section 7.4(b) of
this Agreement.

                  "Proceeds" means "proceeds" as defined in the Minnesota UCC.
Proceeds shall include, but not be limited to, (i) any and all proceeds of any
insurance, indemnity, warranty or guaranty payable to the Collateral Agent or
any Assignor from time to time with respect to any of

                                      -25-

<PAGE>

the Collateral, (ii) any and all payments (in any form whatsoever) made or due
and payable to any Assignor from time to time in connection with any
requisition, confiscation, condemnation, seizure or forfeiture of all or any
part of the Collateral by any governmental authority (or any person acting under
color of governmental authority) and (iii) any and all other amounts from time
to time paid or payable under or in connection with any of the Collateral.

                  "Proprietary Information" means all information and know-how
worldwide, including, without limitation, data collections; technical data;
manufacturing data; research and development data; data relating to
compositions, processes and formulations, manufacturing and production know-how
and experience; management know-how; training programs; manufacturing,
engineering and other drawings; specifications; performance criteria; operating
instructions; maintenance manuals; technology; technical information; software;
engineering and computer data and databases; design and engineering
specifications; catalogs; financial, business and marketing plans; inventions
and invention disclosures.

                  "Receivables" means all Accounts, all Chattel Paper, and all
Payment Intangibles, now or hereafter owned by any Assignor and, in any event,
shall include all Supporting Obligations, including without limitation all of
such Assignor's rights to payment for goods sold or leased or services performed
by such Assignor, whether now in existence or arising from time to time
hereafter, including, without limitation, rights evidenced by an account, note,
contract, security agreement, chattel paper, or other evidence of indebtedness
or security, together with (a) all security pledged, assigned, hypothecated or
granted to or held by such Assignor to secure the foregoing, (b) all of any
Assignor's right, title and interest in and to any goods, the sale of which gave
rise thereto, (c) all guarantees, endorsements and indemnifications on, or of,
any of the foregoing, (d) all powers of attorney for the execution of any
evidence of indebtedness or security or other writing in connection therewith,
(e) all books, records, ledger cards, and invoices relating thereto, (f) all
evidences of the filing of financing statements and other statements and the
registration of other instruments in connection therewith and amendments
thereto, notices to other creditors or secured parties, and certificates from
filing or other registration officers, (g) all credit information, reports and
memoranda relating thereto and (h) all other writings related in any way to the
foregoing.

                  "Representative" has the meaning provided in Section 7.4(e) of
this Agreement.

                  "Required Secured Creditors" means (i) the Required Lenders
(or, to the extent required by Section 13.11 of the Credit Agreement, each of
the Lenders) under the Credit Agreement so long as any Credit Document
Obligations remain outstanding and (ii) in any situation not covered by the
preceding clause (i), the holders of a majority of the outstanding principal
amount of the Other Obligations.

                  "Requisite Creditors" has the meaning provided in Section 10.2
of this Agreement.

                  "Secondary Obligations" has the meaning provided in Section
7.4(b) of this Agreement.

                                      -26-

<PAGE>

                  "Secured Creditors" has the meaning provided in the recitals
of this Agreement.

                  "Secured Debt Agreements" means and include this Agreement,
the other Credit Documents and the Interest Rate Protection Agreements and Other
Hedging Agreements.

                  "Securities Account" means a "securities account" as defined
in the Minnesota UCC. The term "Securities Accounts" shall include, without
limitation, all of the accounts listed on Annex H under the heading "Securities
Accounts" (as such schedule may be amended or supplemented from time to time).

                  "Securities Entitlement" means a "securities entitlement" as
defined in the Minnesota UCC.

                  "Supporting Obligation" means a "supporting obligation" as
defined in the Minnesota UCC.

                  "Termination Date" has the meaning provided in Section 10.8 of
this Agreement.

                  "Trade Secrets" means any secretly held existing engineering
and other data, information, production procedures and other know-how relating
to the design, manufacture, assembly, installation, use, operation, marketing,
sale and servicing of any products or business of an Assignor worldwide whether
written or not written.

                  "Trade Secret Rights" means the rights of an Assignor in any
Trade Secret it holds.

                  "UCC" means the Uniform Commercial Code as in effect from time
to time in the relevant jurisdiction.

                  "Uncertificated Security" means an "uncertificated security"
as defined in the Minnesota UCC.

                                    ARTICLE X

                                  MISCELLANEOUS

                  10.1     Notices. Except as otherwise specified herein, all
notices, requests, demands or other communications to or upon the respective
parties hereto shall be sent or delivered by mail, telegraph, telex, telecopy,
cable or overnight courier service and all such notices and communications
shall, when mailed, telegraphed, telexed, telecopied, or cabled or sent by
overnight courier, be effective when deposited in the mails, delivered to the
telegraph company, cable company or overnight courier, as the case may be, or
sent by telex or telecopier and when mailed shall be effective three Business
Days following deposit in the mail with proper postage, except that notices and
communications to the Collateral Agent or any Assignor shall not be effective
until received by the Collateral Agent or such Assignor, as the case may be. All
notices and other communications shall be in writing and addressed as follows:

                                      -27-

<PAGE>

                  (a)      if to any Assignor, at:

                           c/o infoUSA Inc.
                           5711 South 86th Circle
                           Omaha, Nebraska  68127
                           Attention:  Chief Financial Officer
                           Telephone No.:  (402) 593-4500
                           Telecopier No.: (402) 331-1505

                  (b)      if to the Collateral Agent, at:

                           Wells Fargo Bank, National Association
                           1740 Broadway
                           MAC: C7300-034
                           Denver, Colorado 80209
                           Attention: Kevin Rapp
                           Tel. No.:   (___) ___________
                           Fax. No.:   (___) ___________

                  (c)      if to any Lender Creditor, at such address as such
         Lender Creditor shall have specified in the Credit Agreement;

                  (d)      if to any Other Creditor, at such address as such
         Other Creditor shall have specified in writing to each Assignor and the
         Collateral Agent;

or at such other address as shall have been furnished in writing by any Person
described above to the party required to give notice hereunder.

                  10.2     Waiver; Amendment. None of the terms and conditions
of this Agreement may be changed, waived, modified or varied in any manner
whatsoever unless in writing duly signed by each Assignor directly effected
thereby and the Collateral Agent (with the written consent of the Required
Secured Creditors); provided, however, that any change, waiver, modification or
variance affecting the rights and benefits of a single Class of Secured
Creditors (and not all Secured Creditors in a like or similar manner) shall
require the written consent of the Requisite Creditors of such affected Class.
For the purpose of this Agreement, the term "Class" shall mean each class of
Secured Creditors, i.e., whether (x) the Lender Creditors as holders of the
Credit Document Obligations or (y) the Other Creditors as the holders of the
Other Obligations. For the purpose of this Agreement, the term "Requisite
Creditors" of any Class shall mean each of (x) with respect to the Credit
Document Obligations, the Required Lenders and (y) with respect to the Other
Obligations, the holders of at least a majority of all obligations outstanding
from time to time under the respective Interest Rate Protection Agreements or
Other Hedging Agreements.

                  10.3     Obligations Absolute. The obligations of each
Assignor hereunder shall remain in full force and effect without regard to, and
shall not be impaired by, (a) any bankruptcy, insolvency, reorganization,
arrangement, readjustment, composition, liquidation or

                                      -28-

<PAGE>

the like of such Assignor; (b) any exercise or non-exercise, or any waiver of,
any right, remedy, power or privilege under or in respect of this Agreement or
any other Secured Debt Agreement; or (c) any amendment to or modification of any
Secured Debt Agreement or any security for any of the Obligations; whether or
not such Assignor shall have notice or knowledge of any of the foregoing.

                  10.4     Successors and Assigns. This Agreement shall be
binding upon each Assignor and its successors and assigns (although no Assignor
may assign its rights and obligations hereunder) and shall inure to the benefit
of the Collateral Agent and the Secured Creditors and their respective
successors and assigns. All agreements, statements, representations and
warranties made by each Assignor herein or in any certificate or other
instrument delivered by such Assignor or on its behalf under this Agreement
shall be considered to have been relied upon by the Secured Creditors and shall
survive the execution and delivery of this Agreement and the other Secured Debt
Agreements regardless of any investigation made by the Secured Creditors or on
their behalf.

                  10.5     Headings Descriptive. The headings of the several
sections of this Agreement are inserted for convenience only and shall not in
any way affect the meaning or construction of any provision of this Agreement.

                  10.6     Governing Law. THIS AGREEMENT AND THE RIGHTS AND
OBLIGATIONS OF THE PARTIES HEREUNDER SHALL BE CONSTRUED IN ACCORDANCE WITH AND
BE GOVERNED BY THE LAW OF THE STATE OF MINNESOTA.

                  10.7     Assignor's Duties. It is expressly agreed, anything
herein contained to the contrary notwithstanding, that each Assignor shall
remain liable to perform all of the obligations, if any, assumed by it with
respect to the Collateral and the Collateral Agent shall not have any
obligations or liabilities with respect to any Collateral by reason of or
arising out of this Agreement, nor shall the Collateral Agent be required or
obligated in any manner to perform or fulfill any of the obligations of any
Assignor under or with respect to any Collateral.

                  10.8     Termination; Release

                  (a)      After the Termination Date, this Agreement shall
         terminate (provided that all indemnities set forth herein including,
         without limitation, in Section 8.1 hereof shall survive such
         termination) and the Collateral Agent, at the request and expense of
         the respective Assignor, will promptly execute and deliver to such
         Assignor a proper instrument or instruments (including Uniform
         Commercial Code termination statements on form UCC-3) acknowledging the
         satisfaction and termination of this Agreement, and will duly assign,
         transfer and deliver to such Assignor (without recourse and without any
         representation or warranty) such of the Collateral as may be in the
         possession of the Collateral Agent and as has not theretofore been sold
         or otherwise applied or released pursuant to this Agreement. As used in
         this Agreement, "Termination Date" shall mean the date upon which the
         Total Commitment and all Interest Rate Protection Agreements and Other
         Hedging Agreements have been terminated, no Note is outstanding (and
         all

                                      -29-

<PAGE>

         Loans have been repaid in full), all Letters of Credit have been
         terminated and all Obligations then due and payable have been paid in
         full.

                  (b)      In the event that any part of the Collateral is sold
         in connection with a sale permitted by Section 10.2 of the Credit
         Agreement (other than a sale to any Assignor or a Subsidiary thereof)
         or otherwise released at the direction of the Required Secured
         Creditors and the proceeds of such sale or sales or from such release
         are applied in accordance with the provisions of the Credit Agreement,
         to the extent required to be so applied, such Collateral will be sold
         free and clear of the Liens created by this Agreement and the
         Collateral Agent, at the request and expense of the relevant Assignor,
         will duly and promptly assign, transfer and deliver to such Assignor
         (without recourse and without any representation or warranty) such of
         the Collateral as is then being (or has been) so sold or released and
         as may be in the possession of the Collateral Agent and has not
         theretofore been released pursuant to this Agreement.

                  (c)      At any time that an Assignor desires that the
         Collateral Agent take any action to acknowledge or give effect to any
         release of Collateral pursuant to the foregoing Section 10.8(a) or (b),
         such Assignor shall deliver to the Collateral Agent a certificate
         signed by a senior officer of such Assignor stating that the release of
         the respective Collateral is permitted pursuant to Section 10.8(a) or
         (b).

                  10.9     Counterparts. This Agreement may be executed in any
number of counterparts and by the different parties hereto on separate
counterparts, each of which when so executed and delivered shall be an original,
but all of which shall together constitute one and the same instrument. A set of
counterparts executed by all the parties hereto shall be lodged with each
Assignor and the Collateral Agent.

                  10.10    Severability. Any provision of this Agreement which
is prohibited or unenforceable in any jurisdiction shall, as to such
jurisdiction, be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions hereof, and any
such prohibition or unenforceability in any jurisdiction shall not invalidate or
render unenforceable such provision in any other jurisdiction.

                  10.11    The Collateral Agent. The Collateral Agent will hold
in accordance with this Agreement all items of the Collateral at any time
received under this Agreement. It is expressly understood and agreed that the
obligations of the Collateral Agent as holder of the Collateral and interests
therein and with respect to the disposition thereof, and otherwise under this
Agreement, are only those expressly set forth in this Agreement and in Article
12 of the Credit Agreement. The Collateral Agent shall act hereunder and
thereunder on the terms and conditions set forth herein and in Article 12 of the
Credit Agreement.

                  10.12    Benefit of Agreement. This Agreement shall be binding
upon the parties hereto and their respective successors and assigns and shall
inure to the benefit of and be enforceable by each of the parties hereto and its
successors and assigns.

                                      -30-

<PAGE>

                  10.13    Additional Assignors. It is understood and agreed
that any Subsidiary of the Borrower that is required to execute a counterpart of
this Agreement after the date hereof pursuant to the Credit Agreement shall
become an Assignor hereunder by executing a counterpart hereof and delivering
the same to the Collateral Agent (it being understood that in connection
therewith, such Subsidiary shall supplement Annexes A through H with information
pertaining to such Subsidiary).

                                      * * *

                                      -31-

<PAGE>

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

                                    infoUSA INC., as an Assignor

                                    By _________________________________________
                                    Name:_______________________________________
                                    Title: _____________________________________

                                    AMERICAN CHURCH LISTS, INC.,
                                    BJ HUNTER INFORMATION, INC.,
                                    CD-ROM TECHNOLOGIES, INC.,
                                    CITY DIRECTORIES, INC.,
                                    CLICKACTION INC.,
                                    DONNELLEY MARKETING, INC.,
                                    HILL-DONNELLY CORPORATION
                                    IDEXEC, INC.,
                                    INFOUSA MARKETING, INC.,
                                    LIST BAZAAR.COM, INC.,
                                    MARKADO, INC.,
                                    STRATEGIC INFORMATION MANAGEMENT, INC.,
                                    TGMVC CORPORATION,
                                    TRIPLEX DIRECT MARKETING CORP.,
                                    WALTER KARL, INC., and
                                    YESMAIL, INC.
                                        each as an Assignor

                                    By _________________________________________
                                    Name:_______________________________________
                                    Title: _____________________________________

                                 Signature Page
                                       to
                               Security Agreement

<PAGE>

Accepted and Agreed to:

WELLS FARGO BANK, NATIONAL ASSOCIATION,
  as Collateral Agent

By:_____________________________
Name:___________________________
Title: _________________________

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