Document:

<PAGE>   1
                                                                 Exhibit 10.38

[LOGO: NORWEST]

NORWEST BANK IOWA,
NATIONAL ASSOCIATION                                         FIRST AMENDMENT
===============================================================================

THIS FIRST AMENDMENT (the "First Amendment") dated to be effective as of March
21, 2000 is between Norwest Bank Iowa, National Association (the "Bank") and
Patient Infosystems, Inc. (the "Borrower").

BACKGROUND

The Borrower and the Bank entered into a Credit Agreement dated as of December
23, 1999 (the "Agreement"), pursuant to which the Bank extended to the Borrower
a committed revolving line of credit (the "Line"). Borrowings under the Line are
evidenced by a promissory note dated as of December 23, 1999 (the "December 1999
Revolving Note").

The Borrower has now requested that the Bank increase the amount of credit
available under the Line to TWO MILLION FIVE HUNDRED THOUSAND AND 00/100 DOLLARS
($2,500,000.00). The Bank is willing to grant this request, subject to the terms
and conditions of this First Amendment. Capitalized terms not otherwise defined
in this First Amendment shall have the meaning given them in the Agreement.

In consideration of the above premises, the Bank and the Borrower agree that the
Agreement is hereby amended as of the date of this First Amendment as follows:

1. Section 1.1 of the Agreement is hereby deleted in its entirety and restated
as follows:

         "1.1     LINE OF CREDIT AMOUNT. During the Line Availability Period
                  defined below, the Bank agrees to provide a revolving line of
                  credit (the "Line") to the Borrower. Outstanding amounts under
                  the Line will not, at any one time, exceed TWO MILLION FIVE
                  HUNDRED THOUSAND AND 00/100 DOLLARS ($2,500,000.00)."

2. To evidence increased borrowings under the Line, the Borrower will modify the
December 1999 Revolving Note by executing and delivering to the Bank a note
modification agreement in form and content acceptable to the Bank (the" Note
Modification Agreement"). Each reference in the Agreement to the Revolving Note
shall be deemed to refer to the December 1999 Revolving Note as modified by the
Note Modification Agreement.

3. In consideration of increased availability under the Line, the Bank has
required additional credit support, which John Pappajohn and Derace L. Schaffer
have agreed to provide. Therefore, as an additional condition precedent to the
obligation of the Bank to provide additional credit under the Line, the Borrower
will deliver, or cause to be delivered to the Bank letters of credit issued by
banking institutions acceptable to the Bank for the benefit of the Bank as
beneficiary, in the amount of $1,000,000.00. Until such time that the Bank
receives such letters of credit, and until such time as the Borrower has
otherwise complied with all other terms of the Agreement as amended by this
First Amendment, the Bank will have no obligations under this Amendment to honor
requests for additional credit under the increased Line. The description of
"Standby Letters of Credit" described on Exhibit A to the Agreement shall be
amended to reflect the terms of this paragraph.

4. The Borrower hereby represents and warrants to the Bank as follows:

                  A. The Agreement as amended by this First Amendment remains in
         full force and effect.

<PAGE>   2

                  B. The Borrower has no knowledge of any default under the
         terms of the Agreement or the Revolving Note, or of any event that with
         notice or the lapse of time or both would constitute a default under
         the Agreement or the Revolving Note.

                  C. The execution, delivery and performance of this First
         Amendment and all related documentation described in this First
         Amendment are within its corporate powers, have been duly authorized
         and are not in contravention of law or the terms of the Borrower's
         articles of incorporation or bylaws, or of any undertaking to which the
         Borrower is a party or by which it is bound.

                  D. The resolutions set forth in the Corporate Certificate of
         Authority dated December 21, 1999 and delivered by the Borrower to the
         Bank have not been amended or rescinded, and remain in full force and
         effect.

6. Except as modified by this First Amendment, the Agreement remains unchanged
and in full force and effect.

7. The Borrower and the Guarantor each acknowledge receipt of a copy of the
Agreement and this First Amendment and all related documents referenced therein
and executed by the Borrower and the Guarantor in connection with the Agreement
and the indebtedness of the Borrower to the Bank under the Agreement.

IN WITNESS WHEREOF, the Bank and Borrower have executed this First Amendment as
of the date and year first above written.

NORWEST BANK IOWA,
NATIONAL ASSOCIATION                         PATIENT INFOSYSTEMS, INC.

/s/ Randall R. Stromley                      By: /s/ Donald A. Carberg
Randall R. Stromley                             ------------------------------
Vice President                               Its: President & CEO
                                                 -----------------------------
<PAGE>   3

             ACKNOWLEDGMENT AND CONSENT OF GUARANTOR JOHN PAPPAJOHN

John Pappajohn acknowledges that he has reviewed the terms of the above
Agreement and agrees that his Guaranty dated as of December 23, 1999, will
continue to support the Borrower's obligations under the Agreement as amended by
the above First Amendment.

Date:
     -------------------------------       ----------------------------------
                                           John Pappajohn<PAGE>   1
                                                               Exhibit 10.39
[LOGO-NORWEST]

NORWEST BANK IOWA,                                        NOTE MODIFICATION
NATIONAL ASSOCIATION                                      AGREEMENT
===============================================================================

                                                          MARCH 21, 2000

THIS NOTE MODIFICATION AGREEMENT (the "Note Modification Agreement") is dated to
be effective March 21, 2000 between Norwest Bank Iowa, National Association (the
"Bank") and Patient Infosystems, Inc. (the "Borrower").

REFERENCE IS HEREBY MADE to a First Amendment of even date amending a Credit
Agreement entered into between the Bank and the Borrower dated as of December
23, 1999 (as amended, the "Agreement"), and the promissory note referenced in
the Agreement that was given by the Borrower to the Bank dated as of December
23, 1999 (the "December 1999 Revolving Note"). Capitalized terms not expressly
defined herein shall have the meanings given them in the Agreement. The Borrower
has requested that the Bank increase the amount of credit available under the
Line to $2,500,000.00. The Bank is agreeable to meeting the Borrower's requests,
subject to the Borrower's execution of this Note Modification Agreement.

FOR VALUABLE CONSIDERATION, therefore, the Bank and the Borrower agree that the
first sentence of the first paragraph of the December 1999 Revolving Note shall
be deleted in its entirety and restated as follows:

         "FOR VALUE RECEIVED, Patient Infosystems, Inc. (the "Borrower")
         promises to pay to the order of Norwest Bank Iowa, National Association
         (the "Bank"), at its principal office or such other address as the Bank
         or holder may designate from time to time, the principal sum of TWO
         MILLION FIVE HUNDRED THOUSAND AND 00/100 DOLLARS ($2,500,000.00) or the
         amount shown on the Bank's records to be outstanding, plus interest
         (calculated on the basis of actual days elapsed in a 360-day year)
         accruing on the unpaid balance at the annual interest rate defined
         below. Absent manifest error, the Bank's records will be conclusive
         evidence of the principal and accrued interest owing hereunder."

Except as modified above by this Note Modification Agreement, the December 1999
Revolving Note remains unchanged and in full force and effect.

IN WITNESS WHEREOF, the Bank and Borrower have executed this Note Modification
Agreement as of the date and year first above written.

NORWEST BANK IOWA,
NATIONAL ASSOCIATION                              PATIENT INFOSYSTEMS, INC.

/s/ Randall R. Stromley                           By: /s/ Donald A. Carberg
                                                     --------------------------
Randall R. Stromley
Vice President                                    Its: President & CEO
                                                      ------------------------<PAGE>   1
                                                                    Exhibit 10.2

                           FIRST AMENDMENT TO AMENDED
                          AND RESTATED CREDIT AGREEMENT

         THIS FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT, dated as
of March 24, 2000 (this "AGREEMENT"), is by and among CENTURY BUSINESS SERVICES,
INC., a Delaware corporation (the "Company"), the Lenders party to the Credit
Agreement referred to below (the "LENDERS"), BANK OF AMERICA, N.A. as agent (the
"AGENT"), and BANKBOSTON, N.A., BANK ONE, MICHIGAN, LASALLE BANK NATIONAL
ASSOCIATION AND PNC BANK, NATIONAL ASSOCIATION, each as Co-Agent (the
"CO-AGENTS").

                                    RECITALS:

         WHEREAS, the Company, Agent, Co-Agents and the Lenders are parties to
that certain Amended and Restated Credit Agreement dated as of October 3, 1997,
as amended and restated as of August 10, 1998 and as amended and restated as of
August 24, 1999 (as amended, restated, supplemented or otherwise modified and in
effect from time to time, the "CREDIT AGREEMENT"); and

         WHEREAS, the Company, Agent, Co-Agents and the Lenders wish to amend
the Credit Agreement in certain respects as set forth herein, subject to the
terms and conditions set forth herein.

         NOW THEREFORE, in consideration of the premises and of the mutual
covenants herein contained, the parties hereto agree as follows:

        SECTION 1. DEFINED TERMS. Unless otherwise defined herein, all
capitalized terms used herein shall have the meanings given them in the Credit
Agreement.

        SECTION 2. AMENDMENTS TO CREDIT AGREEMENT. The Credit Agreement is, as
of the Effective Date (as defined below), hereby amended as follows:

        (a) THE DEFINITIONS OF "APPLICABLE MARGIN," "CHANGE OF CONTROL,"
"COLLATERAL DOCUMENTS," "EBIT," "EBITDA" AND "PERMITTED ACQUISITION THRESHOLD"
IN ARTICLE I OF THE CREDIT AGREEMENT ARE EACH HEREBY AMENDED BY DELETING SAID
DEFINITIONS IN THEIR ENTIRETY AND INSERTING THE FOLLOWING IN LIEU THEREOF:

<PAGE>   2

                  "APPLICABLE MARGIN" shall mean on any date the applicable
         percentage set forth below based upon the Level as shown in the
         Compliance Certificate then most recently delivered to the Lenders:
<TABLE>
<CAPTION>

                   Revolving Loans                       Letters of Credit
                    Base        Offshore                                                     Commitment
       Level        Rate           Rate          Non-Financial          Financial                Fee
       -----        ----       -----------       -------------          ---------               ----
<S>                <C>           <C>                 <C>                  <C>                   <C>
         I         1.000%         2.000%            1.125%                2.000%                .45%
        II          .750%         1.750%            1.000%                1.750%                .40%
        III         .500%         1.500%             .875%                1.500%                .35%
        IV          .250%         1.250%             .750%                1.250%                .30%
</TABLE>

         ; PROVIDED HOWEVER that, if the Company shall have failed to deliver to
         the Lenders by the date required hereunder any Compliance Certificate
         pursuant to SECTION 7.02(b), then from the date such Compliance
         Certificate was required to be delivered until the date of such
         delivery the Applicable Margin shall be deemed to be Level I. Each
         change in the Applicable Margin shall take effect with respect to all
         outstanding Loans on the third Business Day immediately succeeding the
         day on which such Compliance Certificate is received by the Agent;
         PROVIDED, HOWEVER, that with respect to the period from January 1, 2000
         until the third Business Day immediately succeeding the day on which
         the Compliance Certificate with respect to the fiscal quarter ended
         March 31, 2000 is received by the Agent, the Applicable Margin shall be
         determined by reference to the Compliance Certificate delivered to the
         Agent with respect to the fiscal year ended December 31, 1999.
         Notwithstanding the foregoing, no reduction in the Applicable Margin
         shall be effected if a Default or an Event of Default shall have
         occurred and be continuing on the date when such change would otherwise
         occur, it being understood that on the third Business Day immediately
         succeeding the day on which such Default or Event of Default is either
         waived or cured (assuming no other Default or Event of Default shall be
         then pending), the Applicable Margin shall be reduced (on a prospective
         basis) in accordance with the then most recently delivered Compliance
         Certificate.

                  "CHANGE OF CONTROL" means (a) any Person or any two or more
         Persons (in each case other than a Person that is a stockholder of the
         Company as of the date of this Agreement) acting in concert acquiring
         beneficial ownership (within the meaning of Rule 13d-3 of the
         Securities and Exchange Commission under the Exchange Act), directly or
         indirectly, of capital stock of the Company (or other securities
         convertible into such capital stock) representing 25% or more of the
         combined voting power of all capital stock of the Company entitled to
         vote in the election of directors, other than capital stock having such
         power only by reason of the happening of a contingency, or (b) during
         any period of twelve consecutive calendar months, individuals who at
         the beginning of such period constituted the Company's board of
         directors (together with any new directors whose election by the
         Company's board of directors or whose nomination for election by the
         Company's stockholders was approved by a vote of at least a majority of
         the directors then still in office who either were directors at the
         beginning of such period or whose election or nomination for election
         was previously so approved) cease for any reasons other than death or
         disability to constitute a majority of the directors then in office, or
         (c) during any period of twelve consecutive calendar months (other than
         pursuant to a

                                      -2-
<PAGE>   3

        disposition permitted pursuant to SECTION 8.02), the ceasing of more
        than 25% of the individuals who hold an office possessing the title
        Senior Vice President or Executive Vice President or such title that
        ranks senior thereto of the Company or the Company's direct Subsidiaries
        (collectively, "SENIOR MANAGEMENT"), on the first day of each such
        period to be part of the Senior Management of the Company and its
        Subsidiaries taken as a whole.

                  "COLLATERAL DOCUMENTS" means, collectively, (a) the Guaranty,
         the Pledge Agreements, the Security Agreement and other similar
         agreements between the Company or its Subsidiaries and the Lenders or
         the Collateral Agent for the benefit of the Lenders now or hereafter
         delivered to the Lenders or the Collateral Agent pursuant to or in
         connection with the transactions contemplated hereby and (b) any
         amendments, supplements, modifications, renewals, replacements,
         consolidations, substitutions and extensions of any of the foregoing.

                  "EBIT" means, for any period, for the Company and its
         Subsidiaries on a consolidated basis, determined in accordance with
         GAAP, the sum of (a) Net Income (or net loss) for such period PLUS (b)
         all amounts treated as expenses for interest to the extent included in
         the determination of such Net Income (or loss), PLUS (c) all accrued
         taxes on or measured by income to the extent included in the
         determination of such Net Income (or loss); PROVIDED, HOWEVER, that Net
         Income (or loss) shall be computed for these purposes without giving
         effect to extraordinary losses or extraordinary gains.

                  "EBITDA" means, for any period, for the Company and its
         Subsidiaries on a consolidated basis, determined in accordance with
         GAAP, the sum of (a) the Net Income (or net loss) for such period PLUS
         (b) all amounts treated as expenses for depreciation and interest and
         the amortization of intangibles of any kind to the extent included in
         the determination of such Net Income (or loss), PLUS (c) all accrued
         taxes on or measured by income to the extent included in the
         determination of such net income (or loss); PROVIDED, HOWEVER, that net
         income (or loss) shall be computed for these purposes without giving
         effect to extraordinary losses or extraordinary gains.

                  "PERMITTED ACQUISITION THRESHOLD" means either (a) the total
         consideration to be paid by the Company or any of its Subsidiaries in
         connection with an Acquisition (as determined by the Company) is equal
         to or in excess of $20,000,000 or (b) the total cash consideration to
         be paid by the Company or any of its Subsidiaries in connection with an
         Acquisition is equal to or in excess of $7,500,000.

                (b) ARTICLE I OF THE CREDIT AGREEMENT IS AMENDED BY INSERTING
THE FOLLOWING DEFINITION IN ALPHABETICAL ORDER:

                  "SECURITY AGREEMENT" means the Security Agreement among the
         Company, the Guarantors and the Agent.

                (c) ARTICLE II OF THE CREDIT AGREEMENT IS HEREBY AMENDED BY (i)
REDESIGNATING CLAUSE (b) OF SECTION 2.07 AS CLAUSE (c) AND (ii) ADDING THE
FOLLOWING NEW CLAUSE (b) TO SECTION 2.07:

                                      -3-
<PAGE>   4

                           "(b) On the date of receipt thereof by the Company or
                  any of its Subsidiaries, an amount equal to 100% of the net
                  proceeds received by any such Person from the sale or other
                  disposition of an Insurance Subsidiary (including any sale of
                  any asset of an Insurance Subsidiary) shall be applied to
                  repay the then outstanding Revolving Loans.".

                (d) ARTICLE VI OF THE CREDIT AGREEMENT IS HEREBY AMENDED BY
DELETING SECTION 6.13 IN ITS ENTIRETY AND INSERTING THE FOLLOWING IN LIEU
THEREOF:

                  "6.13    COLLATERAL DOCUMENTS

                           (a) The provisions of each Pledge Agreement are
                  effective to create, in favor of the Collateral Agent for the
                  benefit of the Lenders, a legal, valid and enforceable first
                  priority security interest in all of the collateral described
                  therein; and the Pledged Collateral was delivered to the
                  Collateral Agent or its nominee in accordance with the terms
                  thereof. The Lien of each Pledge Agreement constitutes a
                  perfected, first priority security interest in all right,
                  title and interest of the Company or such Subsidiary, as the
                  case may be, in the Collateral described therein, prior and
                  superior to all other Liens and interests.

                           (b) The provisions of each of the Collateral
                  Documents are effective to create in favor of the Collateral
                  Agent for the benefit of the Lenders, a legal, valid and
                  enforceable first priority security interest in all right,
                  title and interest of the Company and its Subsidiaries in the
                  collateral described therein, subject only to any Permitted
                  Liens. The chief executive office and the principal books and
                  records of the Company and each Guarantor will be located at
                  its address set forth on SCHEDULE A to the Security Agreement,
                  and when financing statements have been filed in the
                  appropriate offices in the jurisdictions corresponding to such
                  locations and when such other actions as are each described in
                  each of the Collateral Documents, each of the Collateral
                  Documents shall constitute a perfected security interest in
                  all right, title and interest of such Person, as the case may
                  be, in the Collateral described therein, and except for
                  Permitted Liens existing on the Closing Date and whose
                  priority cannot be superseded by the provisions hereof or of
                  any Collateral Document and filings hereunder or thereunder, a
                  perfected first lien on, and security interest in, all right,
                  title and interest of such Person, as the case may be, in the
                  Collateral described in each Collateral Document.

                        (c) All representations and warranties of the Company
                and any of its Subsidiaries party thereto contained in the
                Collateral Documents are true and correct.".

                        (e) ARTICLE VII OF THE CREDIT AGREEMENT IS HEREBY
AMENDED BY (i) REDESIGNATING CLAUSE (f) OF SECTION 7.02 AS CLAUSE (g) AND (ii)
ADDING THE FOLLOWING NEW CLAUSE (f) TO SECTION 7.02:

                                      -4-
<PAGE>   5

                           "(f) ACCOUNT RECEIVABLE AGING REPORT. Within
                  forty-five (45) days after the end of each fiscal quarter
                  (commencing with the fiscal quarter ended March 31, 2000), an
                  account receivable aging report (the "Account Receivable Aging
                  Report") of the Company by segment as defined in the Company's
                  Form 10-K for the fiscal year ended December 31, 1999. Each
                  Account Receivable Aging Report shall include such detail as
                  the Agent may reasonably require and shall be signed by the
                  president or the chief financial officer or treasurer of the
                  Company; and".

                (f) ARTICLE VIII OF THE CREDIT AGREEMENT IS HEREBY AMENDED BY
(x) DELETING SECTION 8.15 IN ITS ENTIRETY AND INSERTING THE FOLLOWING IN LIEU
THEREOF:

                        "8.15 MINIMUM NET WORTH. The Company shall not permit
                its Consolidated Net Worth at any time (a) for the period from
                and including the Closing Date to but excluding the last day of
                the fiscal quarter ended on December 31, 1999, to be less than
                $510,000,000, and (b) for the period from and including the last
                day of the fiscal quarter ended on December 31, 1999 and
                thereafter, to be less than an amount equal to the sum of (x)
                $510,000,000 PLUS (y) 70% of the Company's positive Net Income,
                if any, for each such fiscal quarter plus (2) an amount equal to
                100% of the net cash and non-cash proceeds of any equity
                securities issued by the Company after the date of this
                Agreement."; and

                        (x) DELETING SECTION 8.17 IN ITS ENTIRETY AND INSERTING
                THE FOLLOWING IN LIEU THEREOF:

                           "8.17 INTEREST COVERAGE RATIO. The Company shall not
          permit, at any time during a period listed below, its Interest
          Coverage Ratio at such time for the twelve month period (taken as one
          accounting period) last ended prior to the date of determination, to
          be less than the ratio set forth below opposite the respective period
          in which the determination is being made:

                 PERIOD                             RATIO

                 From and including                 4.00:1.0
                 the last day of the
                 fiscal quarter ended
                 December 31, 1999
                 to but excluding the
                 last day of the fiscal
                 quarter ended on
                 December 31, 2000

                                      -5-
<PAGE>   6

                 From and including                 4.25:1.0
                 the last day of the
                 fiscal quarter ended on
                 December 31, 2000
                 to but excluding the
                 last day of the fiscal
                 quarter ended on
                 December 31, 2001

                 Thereafter                         4.50:1.0

                (g) SCHEDULE 2.01 OF THE CREDIT AGREEMENT IS AMENDED IN ITS
ENTIRETY TO READ AS SET FORTH ON EXHIBIT A HERETO.

        SECTION 3. CONDITIONS PRECEDENT TO EFFECTIVENESS OF AGREEMENT. This
Agreement shall become effective upon the date (the "EFFECTIVE DATE") each of
the following conditions have been satisfied:

                (a) EXECUTION AND DELIVERY. The Company and the Majority Lenders
shall have executed and delivered this Agreement.

                (b) NO DEFAULTS. No Default or Event of Default under the Credit
Agreement (as amended hereby) shall have occurred and be continuing.

                (c) REPRESENTATIONS AND WARRANTIES. The representations and
warranties of the Company contained in this Agreement, the Credit Agreement (as
amended hereby) and the other Loan Documents shall be true and correct in all
material respects as of the Effective Date, with the same effect as though made
on such date, except to the extent that any such representation or warranty
expressly refers to an earlier date, in which case such representation or
warranty shall be true and correct in all material respects as of such earlier
date.

                (d) REDUCTION OF COMMITMENTS. The receipt by the Agent from the
Company of an irrevocable notice to the Agent to permanently reduce the
Commitments from $250,000,000 to $200,000,000 pursuant to SECTION 2.05 of the
Credit Agreement.

                (e) AMENDMENT FEE. The receipt by the Agent from the Company of
an amendment fee in the amount of $5,000 per Lender executing this Amendment, to
be distributed by the Agent to such Lenders.

        SECTION 4. REPRESENTATIONS AND WARRANTIES.

                (a) The Company represents and warrants (i) that it has full
power and authority to enter into this Agreement and perform its obligations
hereunder in accordance with the provisions hereof, (ii) that this Agreement has
been duly authorized, executed and delivered by such party and (iii) that this
Agreement constitutes the legal, valid and binding obligation of such party,
enforceable against such party in accordance with its terms, except as
enforceability may be limited by bankruptcy, insolvency, reorganization,
moratorium or similar laws relating to or limiting creditors' rights generally
and by general principles of equity.

                                      -6-
<PAGE>   7

                (b) The Company represents and warrants that the following
statements are true and correct:

                        (i) The representations and warranties contained in the
                Credit Agreement and each of the other Loan Documents are and
                will be true and correct in all material respects on and as of
                the Effective Date to the same extent as though made on and as
                of that date, except to the extent such representations and
                warranties expressly refer to an earlier date, in which case
                they were true and correct in all material respects on and as of
                such earlier date.

                        (ii) No event has occurred and is continuing or will
                result from the consummation of the transactions contemplated by
                this Agreement that would constitute an Event of Default.

                        (iii) The execution, delivery and performance of this
                Agreement by the Company do not and will not violate its
                respective certificate or articles of incorporation or by-laws,
                any law, rule, regulation, order, writ, judgment, decree or
                award applicable to it or any contractual provision to which it
                is a party or to which it or any of its property is subject.

                        (iv) No authorization or approval or other action by,
                and no notice to or filing or registration with, any
                governmental authority or regulatory body is required in
                connection with its execution, delivery and performance of this
                Agreement and all agreements, documents and instruments executed
                and delivered pursuant to this Agreement.

        SECTION 5. SECURITY AGREEMENT; FURTHER ASSURANCES.

                (a) The Company and each Guarantor shall enter into a security
agreement, substantially in the form attached hereto as Exhibit B, within 30
days (or such other time period as is deemed necessary by the Agent in light of
the surrounding circumstances) of the Effective Date.

                (b) Promptly upon request by the Agent or the Majority Lenders,
the Company and each Guarantor shall (and shall cause any of its Subsidiaries
to) do, execute, acknowledge, deliver, record, re-record, file, re-file,
register and re-register, any and all such further acts, deeds, conveyances,
security agreements, mortgages, assignments, estoppel certificates, financing
statements and continuations thereof, termination statements, notices of
assignment, transfers, certificates, assurances and other instruments the Agent
or such Lenders, as the case may be, may reasonably require from time to time in
order (i) to carry out more effectively the purposes of this Agreement or any
other Loan Document, (ii) to subject to the Liens created by any of the
Collateral Documents any of the properties, rights or interests covered by any
of the Collateral Documents, (iii) to perfect and maintain the validity,
effectiveness and priority of any of the Collateral Documents and the Liens
intended to be created thereby, and (iv) to better assure, convey, grant,
assign, transfer, preserve, protect and confirm to the Agent and Lenders the
rights granted or now or hereafter intended to be granted to

                                      -7-
<PAGE>   8

the Lenders under any Loan Document or under any other document executed in
connection therewith.

        SECTION 6. REFERENCES TO AND EFFECT ON THE CREDIT AGREEMENT.

                (a) On and after the Effective Date each reference in the Credit
Agreement to "this Agreement," "hereunder," "hereof," "herein," or words of like
import, and each reference to the Credit Agreement in the Loan Documents and all
other documents (the "ANCILLARY DOCUMENTS") delivered in connection with the
Credit Agreement shall mean and be a reference to the Credit Agreement as
amended hereby.

                (b) Except as specifically amended above, the Credit Agreement,
the Loan Documents and all other Ancillary Documents shall remain in full force
and effect and are hereby ratified and confirmed.

                (c) The execution, delivery and effectiveness of this Amendment
shall not, except as expressly provided herein, operate as a waiver (except as
specifically waived above) of any right, power or remedy of the Lenders, the
Co-Agents or the Agents under the Credit Agreement, the Loan Documents or the
Ancillary Documents.

        SECTION 7. EXECUTION IN COUNTERPARTS. This Agreement may be executed in
counterparts, each of which when so executed and delivered shall be deemed to be
an original and all of which taken together shall constitute but one and the
same instrument. Delivery of an executed counterpart of a signature page of this
Agreement by facsimile transmission shall be effective as delivery of a manually
executed counterpart of this Agreement.

        SECTION 8. GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND BE
CONSTRUED AND INTERPRETED IN ACCORDANCE WITH THE LAWS OF THE STATE OF ILLINOIS,
WITHOUT REGARD TO THE INTERNAL CONFLICTS OF LAWS PROVISIONS THEREOF.

        SECTION 9. HEADINGS. Section headings in this Agreement are included
herein for convenience of reference only and shall not constitute a part of this
Agreement for any other purposes.

                           [signature pages to follow]

                                      -8-
<PAGE>   9

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed by their respective officers thereunto duly authorized as of the
date above first written.

                                      /s/CENTURY BUSINESS SERVICES, INC.

                                      /s/BANK OF AMERICA, N.A., as Agent

                                      /s/BANK OF AMERICA, N.A., Individually as
                                      a Lender and as the Issuing Bank

                                      /s/BANKBOSTON, NA, as a Co-Agent and
                                      individually as a Lender

                                      /s/BANK ONE, MICHIGAN, as a Co-Agent and
                                      individually  as a Lender

                                      /s/LASALLE BANK NATIONAL ASSOCIATION, as a
                                      Co-Agent and individually as a Lender

                                      /s/PNC BANK, NATIONAL ASSOCIATION, as a
                                      Co-Agent and individually as a Lender

                                      /s/COMERICA BANK

                                      /s/FIFTH THIRD BANK, NORTHEASTERN OHIO

                                      /s/HUNTINGTON NATIONAL BANK

                                      /s/FIRSTAR BANK, N.A.

                                      /s/FIRSTMERIT BANK, N.A.

                                      /s/FIRST UNION NATIONAL BANK

                                      /s/U.S. BANK, N.A.

                                      S-1

<PAGE>   10

                                    EXHIBIT A
                                    ---------

                                  SCHEDULE 2.01
                                  -------------

                           REVOLVING LOAN COMMITMENTS
                           --------------------------
                               AND PRO RATA SHARES
                               -------------------

                                            Revolving Loan          Pro Rata
         Lender                             Commitment              Share
         ------                             ----------              -----

Bank of America, N.A.                       $ 26,400,000            13.20%
BankBoston, NA                                19,200,000             9.60%
Bank One, Michigan                            19,200,000             9.60%
LaSalle Bank National Association             19,200,000             9.60%
PNC Bank, National Association                19,200,000             9.60%
Comerica Bank                                 15,200,000             7.60%
Fifth Third Bank, Northeastern Ohio           15,200,000             7.60%
Huntington National Bank                      15,200,000             7.60%
Firstar Bank                                  15,200,000             7.60%
FirstMerit Bank, N.A.                         12,000,000             6.00%
First Union National Bank                     12,000,000             6.00%
U.S. Bank, N.A.                               12,000,000             6.00%
                                            ------------            ------

TOTAL:                                      $200,000,000             100%
                                            ============             ====

                                      S-2

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}]]