Document:

<PAGE>

                                                                    Exhibit 10.3

                 THIRD AMENDMENT TO AND LIMITED WAIVER OF THE
                 --------------------------------------------
                     AMENDED AND RESTATED CREDIT AGREEMENT
                     -------------------------------------

     THIS THIRD AMENDMENT TO AND LIMITED WAIVER OF THE AMENDED AND RESTATED
CREDIT AGREEMENT (this "Amendment"), dated effective as of July 14, 2000, is
                        ---------
among RENAISSANCE WORLDWIDE, INC. ("Borrower"), a Massachusetts corporation,
                                    --------
each of the banks or other lending institutions which is a party hereto
(individually, each a "Lender", and collectively the "Lenders") and BANK OF
                       ------                         -------
AMERICA, N.A., as administrative agent for the Lenders (in such capacity, the
"Administrative Agent").
 --------------------

                                   RECITALS:

     Borrower, the Administrative Agent and the Lenders have entered into that
certain Amended and Restated Credit Agreement dated as of July 15, 1999 (as
amended, restated, or modified from time to time, the "Credit Agreement").
                                                       ----------------
Borrower, Administrative Agent and the Lenders now desire to amend the Credit
Agreement and the Lenders have agreed to a limited waiver of the Credit
Agreement as set forth herein.

     NOW, THEREFORE, BE IT RESOLVED, THAT, in consideration of the premises
herein contained and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto hereby agree as
follows:

                                   ARTICLE 1

                                  Definitions
                                  -----------

     Section 1.1  Definitions.  Capitalized terms used in this Amendment, to the
                  -----------
extent not otherwise defined herein, shall have the same meanings as in the
Credit Agreement, as amended hereby.

                                   ARTICLE 2

                                Third Amendment
                                ---------------

     Section 2.1  Amendment to Definition of Revolving Commitment.  The
                  -----------------------------------------------
definition of "Revolving Commitment" appearing in Section 1.1 of the Credit
                                                  -----------
Agreement is hereby amended and restated to read in its entirety as follows:

          "Revolving Commitment" means, as to each Lender, the obligation of
           --------------------
     such Lender to make advances of funds and purchase participation interests
     in (or with respect to the Fronting Bank as a Lender, hold other interests
     in) Letters of Credit in an aggregate principal amount at any one time
     outstanding up to but not exceeding the amount set forth opposite the name
     of such Lender on Schedule 1.1 (or if applicable, the most recent
                       ------------
     Assignment and Acceptance executed by it)

                                       1
<PAGE>

     under the heading "Revolving Commitment", as the same may be reduced or
     terminated pursuant to Section 2.6, Section 5.4, or Section 13.2. The
                            -----------  -----------     ------------
     aggregate amount of all the Revolving Commitment as of the effective date
     of the Third Amendment to and Limited Waiver of this Agreement equals
     Seventy Million Dollars ($70,000,000).

     Section 2.2  Amendment to Schedule 1.1.  Schedule 1.1 of the Credit
                  -------------------------   ------------
Agreement is hereby amended and restated to read in its entirety set forth on
Exhibit "A" to this Amendment.
-----------

     Section 2.3  Amendment to Section 2.7(b).  The first clause of the third
                  ---------------------------
sentence of Section 2.7(b) is hereby amended and restated to read in its
entirety as follows:

          "Each Letter of Credit issued on or after July 14, 2000,
          shall have an expiration date that does not extend beyond
          November 30, 2000,".

     Section 2.4  Amendment to Section 11.3.  Section 11.3 of the Credit
                  -------------------------   ------------
Agreement is hereby amended and restated by adding the word "and" after the
semicolon at the end of clause (ii), deleting clause (iii) in its entirety and
                        -----------           ------------
changing the number of clause (iv) to "(iii)".
                       -----------

     Section 2.5  Amendment to Section 11.4.  Section 11.4 of the Credit
                  -------------------------   ------------
Agreement is hereby amended and restated by adding the word "and" after the
semicolon at the end of clause (i), deleting the word "and" at the end of clause
                        ----------                                        ------
(ii) and replacing the semicolon at the end of clause (ii) with a period, and
----                                           -----------
deleting clause (iii) in its entirety.
         ------------

     Section 2.6  Amendment regarding Libor Accounts.  Notwithstanding anything
                  ----------------------------------
to the contrary contained in the Credit Agreement (including Section 2.1), as of
                                                             -----------
the date of this Amendment, the Borrower may not establish Libor Accounts,
Continue Libor Accounts or Convert Accounts of any Type into Libor Accounts.

                                   ARTICLE 3

                                Limited Waiver
                                --------------

     Section 3.1  Waiver.  The Administrative Agent and the Required Lenders,
                  ------
subject to the terms and conditions set forth herein, hereby waive and consent,
until July 31, 2000, to Borrower's failure to comply with subsection 12.3(ii) of
                                                          -------------------
the Credit Agreement, and hereby agree to forbear until July 31, 2000, from
exercising its rights, remedies, powers and privileges arising by reason of
Borrower's failure to comply with subsection 12.3(ii) of the Credit Agreement.
                                  -------------------
Notwithstanding anything to the contrary in the Credit Agreement, the Lenders
hereby agree that failure to comply with subsection 12.3(ii) shall not be a
                                         -------------------
Default or Event of Default at any time prior to July 31, 2000.

     Section 3.2  Limitation of Waiver.  The waiver and forbearance granted in
                  --------------------
Section 3.1 of this Amendment shall be limited strictly as written and shall not
-----------
be deemed to constitute a

                                       2
<PAGE>

waiver of, or any consent to noncompliance with, any term or provision of any
Loan Document (including strict compliance with subsection 12.3(ii) at all times
                                                -------------------
on or after July 31, 2000) except as expressly set forth herein. Further, the
waiver and forbearance granted in Section 3.1 of this Amendment shall not
                                  -----------
constitute a waiver of any other Default arising as a result of the violation of
any other term or provision of any Loan Document, or a waiver of any rights or
remedies arising as a result of any such other Defaults.

                                   ARTICLE 4

                             Conditions Precedent
                             --------------------

     Section 4.1  Conditions.  The effectiveness of this Amendment is subject to
                  ----------
the satisfaction of the following conditions precedent:

          (a)     The representations and warranties contained herein and in all
     other Loan Documents, as amended hereby, shall be true and correct in all
     material respects as of the date hereof as if made on the date hereof,
     except for such representations and warranties limited by their terms to a
     specific date;

          (b)     After giving effect to Article 3 hereof, no Default or Event
                                         ---------
     of Default shall have occurred and be continuing;

          (c)     Borrower shall have delivered to the Administrative Agent an
     executed original copy of this Amendment;

          (d)     Borrower shall have paid to the Administrative Agent and each
     Lender all fees, costs and expenses owed to and/or incurred by each of the
     Administrative Agent and each such Lender arising in connection with this
     Amendment, including, without limitation, the reasonable fees, costs and
     expenses of the Administrative Agent's legal counsel, Jenkens & Gilchrist,
     a Professional Corporation; and

          (e)     All proceedings taken in connection with the transactions
     contemplated by this Amendment and all documentation and other legal
     matters incident thereto shall be satisfactory to (i) the Administrative
     Agent, (ii) the Required Lenders and (iii) the Administrative Agent's legal
     counsel, Jenkens & Gilchrist, a Professional Corporation.

                                       3
<PAGE>

                                   ARTICLE 5

                 Ratifications, Representations and Warranties
                 ---------------------------------------------

     Section 5.1  Ratifications.  The terms and provisions set forth in this
                  -------------
Amendment shall modify and supersede all inconsistent terms and provisions set
forth in the Credit Agreement and, except as expressly modified and superseded
by this Amendment, the terms and provisions of the Credit Agreement and the
other Loan Documents are ratified and confirmed and shall continue in full force
and effect.  Borrower, the Administrative Agent and the Lenders agree that the
Credit Agreement as amended hereby and the other Loan Documents shall continue
to be legal, valid, binding and enforceable in accordance with their respective
terms.

     Section 5.2  Representations and Warranties.  Borrower hereby represents
                  ------------------------------
and warrants to the Administrative Agent and the Lenders that (i) the execution,
delivery and performance of this Amendment and any and all other Loan Documents
executed and/or delivered in connection herewith have been authorized by all
requisite action on the part of Borrower and will not violate the articles of
incorporation or bylaws of Borrower; (ii) the representations and warranties
contained in the Credit Agreement, as amended hereby, and any other Loan
Document are true and correct on and as of the date hereof as though made on and
as of the date hereof (except to the extent that such representations and
warranties were expressly, in the Credit Agreement, made only in reference to a
specific date); (iii) after giving effect to this Amendment, no Default or Event
of Default has occurred and is continuing; and (iv) Borrower is in full
compliance with all covenants and agreements contained in the Credit Agreement,
as amended hereby, and the other Loan Documents.

                                   ARTICLE 6

                                 Miscellaneous
                                 -------------

     Section 6.1  Survival of Representations and Warranties.  All
                  ------------------------------------------
representations and warranties made in this Amendment or any other Loan Document
including any Loan Document furnished in connection with this Amendment shall
survive the execution and delivery of this Amendment and the other Loan
Documents, and no investigation by the Administrative Agent or any Lender shall
affect the representations and warranties or the right of the Administrative
Agent or any Lender to rely upon them.

     Section 6.2  Reference to Credit Agreement.  Each of the Loan Documents,
                  -----------------------------
including the Credit Agreement and any and all other agreements, documents, or
instruments now or hereafter executed and delivered pursuant to the terms hereof
or pursuant to the terms of the Credit Agreement as amended hereby, are hereby
amended so that any reference in such Loan Documents to the Credit Agreement
shall mean a reference to the Credit Agreement as amended hereby.

                                       4
<PAGE>

     Section 6.3  Severability.  Any provision of this Amendment held by a court
                  ------------
of competent jurisdiction to be invalid or unenforceable shall not impair or
invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

     Section 6.4  Applicable Law.  THIS AMENDMENT SHALL BE GOVERNED BY AND
                  --------------
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE COMMONWEALTH OF MASSACHUSETTS AND
THE APPLICABLE LAWS OF THE UNITED STATES OF AMERICA.

     Section 6.5  Successors and Assigns.  This Amendment is binding upon and
                  ----------------------
shall inure to the benefit of the Administrative Agent, the Lenders, and
Borrower and their respective successors and assigns, except Borrower may not
assign or transfer any of its rights or obligations hereunder without the prior
written consent of all the Lenders.

     Section 6.6  Counterparts.  This Amendment may be executed in one or more
                  ------------
counterparts, and on telecopy counterparts each of which when so executed shall
be deemed to be an original, but all of which when taken together shall
constitute one and the same agreement.

     Section 6.7  Effect of Amendment.  No consent or waiver, express or
                  -------------------
implied, by the Administrative Agent or any Lender to or for any breach of or
deviation from any covenant, condition or duty by Borrower or any Loan Party
shall be deemed a consent or waiver to or of any other breach of the same or any
other covenant, condition or duty.

     Section 6.8  Headings.  The headings, captions, and arrangements used in
                  --------
this Amendment are for convenience only and shall not affect the interpretation
of this Amendment.

     Section 6.9  ENTIRE AGREEMENT.  THIS AMENDMENT AND ALL OTHER INSTRUMENTS,
                  ----------------
DOCUMENTS AND AGREEMENTS EXECUTED AND DELIVERED IN CONNECTION WITH THIS
AMENDMENT EMBODY THE FINAL, ENTIRE AGREEMENT AMONG THE PARTIES HERETO AND
SUPERSEDE ANY AND ALL PRIOR COMMITMENTS, AGREEMENTS, REPRESENTATIONS AND
UNDERSTANDINGS, WHETHER WRITTEN OR ORAL, RELATING TO THIS AMENDMENT, AND MAY NOT
BE CONTRADICTED OR VARIED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT
ORAL AGREEMENTS OR DISCUSSIONS OF THE PARTIES HERETO.  THERE ARE NO ORAL
AGREEMENTS AMONG THE PARTIES HERETO.

                 [remainder of page intentionally left blank]

                                       5
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed and delivered this
Amendment effective as of the date first written above.

                              BORROWER:
                              --------

                              RENAISSANCE WORLDWIDE, INC.

                              By:  /s/ Joseph F. Pesce
                                 ---------------------------------------
                              Name:    Joseph F. Pesce
                                   -------------------------------------
                              Title:   EVP of Finance, CFO and Treasurer
                                    ------------------------------------

                              LENDERS:
                              -------

                              BANK OF AMERICA, N.A.,
                              as the Administrative Agent and as a Lender

                              By:       /s/ Fred L. Thorne
                                 ---------------------------------------
                              Name:         Fred L. Thorne
                                   -------------------------------------
                              Title:        Managing Director
                                    ------------------------------------

                              GMAC COMMERCIAL CREDIT LLC (formerly BNY Factoring
                              LLC),
                              as the Syndication Agent and as a Lender

                              By:       /s/ Frank Imperato
                                 ---------------------------------------
                              Name:         Frank Imperato
                                   -------------------------------------
                              Title:        Senior Vice President
                                    ------------------------------------

                              CITIZENS BANK OF MASSACHUSETTS

                              By:_______________________________________
                              Name:_____________________________________
                              Title:____________________________________

                              THE CIT GROUP / BUSINESS CREDIT, INC.

                              By:_______________________________________
                              Name:_____________________________________
                              Title:____________________________________

                                       6
<PAGE>

                                     DEBIS FINANCIAL SERVICES, INC.

                                     By:       /s/ James M. Vandervalk
                                        ---------------------------------------
                                     Name:         James M. Vandervalk
                                          -------------------------------------
                                     Title:        President, ABL Division
                                           ------------------------------------

                                     FINOVA CAPITAL CORPORATION

                                     By:       /s/ Bruce Mettel
                                        ---------------------------------------
                                     Name:         Bruce Mettel
                                          -------------------------------------
                                     Title:        Vice President
                                           ------------------------------------

                                     NATIONAL BANK OF CANADA

By:   /s/ Leonard J. Pellecchia      By:       /s/ A. Keith Broyles
   ------------------------------       ---------------------------------------
Name:     Leonard J. Pellecchia      Name:         Keith Broyles
     ----------------------------         -------------------------------------
Title:    Vice President             Title:        Vice President & Manager
      ---------------------------          ------------------------------------

                                     PNC BUSINESS CREDIT

                                     By:       /s/ John W. Speiser
                                        ---------------------------------------
                                     Name:         John W. Speiser
                                          -------------------------------------
                                     Title:        Vice President
                                           ------------------------------------

                                     WEBSTER BANK

                                     By:       /s/ William H. Creaser
                                        ---------------------------------------
                                     Name:         William H. Creaser
                                          -------------------------------------
                                     Title:        Vice President
                                           ------------------------------------

                                       7
<PAGE>

          REAFFIRMATION OF GUARANTY AND PLEDGE AND SECURITY AGREEMENT
          -----------------------------------------------------------

     Each of the undersigned hereby (i) consents to the execution and delivery
of the Third Amendment to and Limited Amendment of the Amended and Restated
Credit Agreement to which this Reaffirmation of Guaranty and Pledge and Security
Agreement is attached (the "Amendment") by the parties thereto, (ii) agrees that
                            ---------
the Amendment shall not limit or diminish the obligations of each of the
undersigned under that certain Subsidiary Guaranty dated as of July 15, 1999 (as
amended, the "Guaranty"), or under that certain Pledge and Security Agreement
              --------
dated as of July 15, 1999 (as amended, the "Pledge and Security Agreement"),
                                            -----------------------------
executed or joined in by each of the undersigned and delivered to the
Administrative Agent, (iii) reaffirms its obligations under each of the Guaranty
and the Pledge and Security Agreement, and (iv) agrees that each of the Guaranty
and the Pledge and Security Agreement remains in full force and effect and is
hereby ratified and confirmed.

Dated effective as of   July 14  , 2000.
                      -----------

                              THE HUNTER GROUP, INC.
                              THE HUNTER GROUP INTERNATIONAL, INC.
                              THE MANAGEMENT DECISIONS GROUP, INC.
                              NEOGLYPHICS MEDIA CORPORATION
                              RENAISSANCE GOVERNMENT SOLUTIONS, INC.
                              RENAISSANCE WORLDWIDE INTERNATIONAL
                                   HOLDINGS, INC.
                              RENAISSANCE WORLDWIDE IT CONSULTING
                                   SERVICES, INC.
                              STERLING INFORMATION GROUP, INC.
                              TRI SECURITIES CORP.

                              By: /s/ Joseph F. Pesce
                                 -----------------------------------------------
                              Name:   Joseph F. Pesce
                                    --------------------------------------------
                              Title:  Vice President for each of the foregoing

                                       8
<PAGE>

                         ARI NATIONAL COMPANY

                         By:  /s/ Joseph F. Pesce
                            ----------------------------------------------------
                         Name:    Joseph F. Pesce
                              --------------------------------------------------
                         Title:   Sole Trustee

                         This Reaffirmation of Guaranty and Pledge and Security
                         Agreement is executed on behalf of ARI National Company
                         by its sole trustee as sole trustee and not
                         individually, and the obligations of ARI National
                         Company hereunder are not binding upon any of ARI
                         National Company's sole trustee, officers or
                         shareholders or any of them individually but are
                         binding only upon the assets and property of ARI
                         National Company.  The Agreement and Declaration of
                         Trust of ARI National Company is on file with the
                         Secretary of the Commonwealth of Massachusetts.

                                       9
<PAGE>

                                  EXHIBIT "A"
                                  -----------

                                 Schedule 1.1

                                  Commitments
                                  -----------

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------------------
                           Lender                                        Revolving Commitment
                           ------                                        --------------------
-------------------------------------------------------------------------------------------------------
<S>                                                            <C>
                      Bank of America, N.A.                                                 $10,266,667
-------------------------------------------------------------------------------------------------------
     GMAC Commercial Credit LLC (formerly BNY Factoring LLC)                                $10,266,667
-------------------------------------------------------------------------------------------------------
                    FINOVA Capital Corporation                                              $ 8,400,000
-------------------------------------------------------------------------------------------------------
                       PNC Business Credit                                                  $ 8,400,000
-------------------------------------------------------------------------------------------------------
                The CIT Group / Business Credit, Inc.                                       $ 8,400,000
-------------------------------------------------------------------------------------------------------
                     National Bank of Canada                                                $ 6,533,333
-------------------------------------------------------------------------------------------------------
                  Citizens Bank of Massachusetts                                            $ 6,533,333
-------------------------------------------------------------------------------------------------------
                  Debis Financial Services, Inc.                                            $ 6,533,333
-------------------------------------------------------------------------------------------------------
                         Webster Bank                                                       $ 4,666,667
-------------------------------------------------------------------------------------------------------
</TABLE>

                                       10<PAGE>
                                                                    Exhibit 10.4

                            FOURTH AMENDMENT TO THE
                            -----------------------
                     AMENDED AND RESTATED CREDIT AGREEMENT
                     -------------------------------------

     THIS FOURTH AMENDMENT TO THE AMENDED AND RESTATED CREDIT AGREEMENT (this
"Amendment"), dated effective as of July 31, 2000, is among RENAISSANCE
 ---------
WORLDWIDE, INC. ("Borrower"), a Massachusetts corporation, each of the banks or
                  --------
other lending institutions which is a party hereto (individually, each a
"Lender", and collectively the "Lenders") and BANK OF AMERICA, N.A., as
 ------                         -------
administrative agent for the Lenders (in such capacity, the "Administrative
                                                             --------------
Agent").
-----

                                   RECITALS:

     Borrower, the Administrative Agent and the Lenders have entered into that
certain Amended and Restated Credit Agreement dated as of July 15, 1999 (as
amended, restated, or modified from time to time, the "Credit Agreement").
                                                       ----------------
Borrower, Administrative Agent and the Lenders now desire to amend the Credit
Agreement and the Lenders have agreed to amend the Credit Agreement as set forth
herein.

     NOW, THEREFORE, BE IT RESOLVED, THAT, in consideration of the premises
herein contained and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto hereby agree as
follows:

                                   ARTICLE 1

                                  Definitions
                                  -----------

     Section 1.1  Definitions.  Capitalized terms used in this Amendment, to the
                  -----------
extent not otherwise defined herein, shall have the same meanings as in the
Credit Agreement, as amended hereby.

                                   ARTICLE 2

                               Fourth Amendment
                               ----------------

     Section 2.1  Amendments to Certain Definitions.  The definitions of
                  ---------------------------------
"Borrowing Base", "EBITDA" and "Revolving Termination Date" appearing in Section
                                                                         -------
1.1 of the Credit Agreement are each hereby amended and restated to read in
---
their entirety as follows:

          "Borrowing Base" means, at any time, an amount equal to
           --------------
     eighty-five percent (85%) of the face value of Eligible
     Receivables due and owing at such time minus the following
                                            -----
     applicable amount: (i) Twenty-Two Million Dollars ($22,000,000)
     as of the closing date of the Fourth Amendment to this Agreement,
     or (ii) Five Million Dollars ($5,000,000) as of any date
     thereafter.
<PAGE>

          "EBITDA" means, for any period and any Person, the total of
           ------
     the following calculated without duplication for such Person on a
     consolidated basis for such period: (a) Adjusted Net Income; plus
                                                                  ----
     (b) any provision for (or less any benefit from) income or
     franchise taxes deducted in determining Adjusted Net Income; plus
                                                                  ----
     (c) Interest Expense deducted in determining Adjusted Net Income;
     plus (d) amortization and depreciation expense deducted in
     ----
     determining Adjusted Net Income; plus (e) one-time nonrecurring
                                      ----
     charges actually taken during the second Fiscal Quarter of the
     2000 Fiscal Year in an aggregate amount not to exceed Eight
     Million Dollars ($8,000,000) deducted in determining Adjusted Net
     Income.

          "Revolving Termination Date" means November 30, 2000.
           --------------------------

     Section 2.2  Amendments to Section 1.1.  Section 1.1 of the Credit
                  -------------------------   -----------
Agreement is hereby amended to add the definitions of "Fourth Amendment" and
"L/C Fee Rate", each to read in their entirety as follows:

          "Fourth Amendment" means that certain Fourth Amendment to
           ----------------
     Amended and Restated Credit Agreement dated as of July 31, 2000
     among the Borrower, the Administrative Agent and the Lenders.

          "L/C Fee Rate" has the meaning specified in Section 4.2.
           ------------                               -----------

     Section 2.3  Amendment to Schedule 1.1.  Schedule 1.1 of the Credit
                  -------------------------   ------------
Agreement is hereby amended and restated to read in its entirety set forth on
Schedule 1 to this Amendment.
----------

     Section 2.4  Amendments to Section 2.7.
                  -------------------------

     (A) Subsection 2.7(a)(i) of the Credit Agreement is hereby amended and
         --------------------
restated to read in its entirety as follows:

     (i) the aggregate amount of outstanding Letter of Credit Liabilities shall
     not at any time exceed Seven Million Dollars ($7,000,000),

     (B) Subsection 2.7(b) is amended to change the number "thirty (30)"
         -----------------
appearing therein to the number "fifteen (15)" and to add a sentence at the end
thereof to read in its entirety as follows:

     Notwithstanding anything to the contrary contained in this
     subsection, any Letter of Credit may have an expiration date that
     extends beyond a date which is fifteen (15) days prior to the
     Revolving Termination Date (but in no case beyond the Revolving
     Termination Date) if, and only if, each such Letter of Credit is
     fully cash collateralized in a manner acceptable to the
     Administrative Agent in its sole discretion, such cash collateral
     to be posted by a date no later than that which is fifteen (15)
     days prior to the Revolving Termination Date
<PAGE>

     (C) Clause (ii) of the first sentence of Subsection 2.7(c) is hereby
         -----------                          -----------------
amended and restated to read in its entirety as follows:

     (ii) to be calculated at a rate per annum equal to the applicable L/C Fee
     Rate;

     Section 2.5  Amendment to Section 4.2.  Section 4.2 of the Credit Agreement
                  ------------------------   -----------
is hereby amended and restated to read in its entirety as follows:

     Section 4.2. Determinations of Margin and Rates. Prior to the
     -----------  ----------------------------------
     receipt of the Applicable Rate Calculation to be delivered with
     Borrower's Borrowing Base Certificate for the calendar month
     ending June 24, 2000 (i) the Base Rate Margin shall be one
     percent (1.00%); (ii) the Commitment Fee Rate shall be three-
     eighths of one percent (0.375%); and (iii) the L/C Fee Rate shall
     be three and one-eighth of one percent (3.125%); thereafter, the
     Base Rate Margin, the Commitment Fee Rate, and the L/C Fee Rate
     shall be determined in accordance with the following table
     (without deducting from the Borrowing Base the amounts specified
     in clauses (i) and (ii) in the definition thereof):
        -----------     ----

<TABLE>
<CAPTION>
======================================================================================================
 Average unused amount of availability            Base Rate           Commitment          L/C Fee Rate
   under the Borrowing Base for the                Margin              Fee Rate
      calendar month then ended
======================================================================================================
<S>                                               <C>                 <C>                 <C>
Less than $12,500,000                                2.25%               1.00%              4.375%
------------------------------------------------------------------------------------------------------
Greater than or equal to $12,500,000 but             1.75%               0.75%              3.825%
 less than $25,000,000
------------------------------------------------------------------------------------------------------
Greater than or equal to $25,000,000 but             1.25%               0.50%              3.375%
 less than $35,000,000
------------------------------------------------------------------------------------------------------
Greater than or equal to $35,000,000 but             1.00%              0.375%              3.125%
 less than $50,000,000
------------------------------------------------------------------------------------------------------
Greater than or equal to $50,000,000                 0.50%               0.25%              2.625%
======================================================================================================
</TABLE>

          Upon delivery of the Applicable Rate Calculation pursuant to
     subsection 10.1(d) in connection with the Borrowing Base
     ------------------
     Certificate of Borrower required to be delivered pursuant
     thereto, commencing with such Applicable Rate Calculation
     delivered for the calendar month ending June 24, 2000, the Base
     Rate Margin, the Commitment Fee Rate, and the L/C Fee Rate shall
     automatically be adjusted to the fee or rate, as applicable,
     corresponding to the average unused amount of availability under
     the Borrowing Base for the calendar month then ended (without
     deducting from the Borrowing Base the amounts specified in
     clauses (i) and (ii) in the definition thereof) of Borrower set
     -----------     ----
     forth in the table above, such automatic adjustment to take
     effect prospectively the third Business Day after receipt by the
     Administrative Agent of the Applicable Rate Calculation (the
     "Adjustment Date"). If the Borrower fails to deliver such
      ---------------
     Applicable Rate Calculation with respect to any calendar month
     which sets forth the average unused amount of availability under
     the Borrowing Base for the calendar month then ended within the
     period of time required by subsection 10.1(d), then (i) the
                                ------------------
<PAGE>

     Base Rate Margin shall automatically be adjusted to two and one-
     quarter percent (2.25%) per annum; (ii) the Commitment Fee Rate
     shall automatically be adjusted to one percent (1.00%); and (iii)
     the L/C Fee Rate shall automatically be adjusted to four and
     three-eighths percent (4.375%) per annum.

  Section 2.6  Amendment to Article 4.  Article 4 of the Credit Agreement is
               ----------------------   ---------
hereby amended to add Section 4.7 to read in its entirety as follows:
                      -----------

          Section 4.7. Excess Drawing Fee. In the event the
          -----------  ------------------
     Outstanding Revolving Credit at any time exceeds Sixty-Five
     Million Dollars ($65,000,000), Borrower shall pay to the
     Administrative Agent an excess drawing fee in the amount of Three
     Hundred and Fifty Thousand Dollars ($350,000) to be distributed
     pro-rata among the Lenders.

  Section 2.7  Amendments to Section 10.1.
               --------------------------

     (A) Subsection 10.1(b) of the Credit Agreement is hereby amended and
         ------------------
restated to read in its entirety as follows:

          (b)  Monthly Financial Statements. As soon as available, and
               ----------------------------
     in any event within twenty (20) days after the end of each
     calendar month beginning with the calendar month ending on July
     31, 2000, a copy of an unaudited financial report of Borrower and
     its Subsidiaries as of the end of such period and for the portion
     of the Fiscal Year then ended containing, on a consolidated
     basis, balance sheets and statements of income, retained
     earnings, and cash flow, in each case setting forth in
     comparative form the figures for the corresponding period of the
     preceding Fiscal Year, all in reasonable detail certified by the
     chief executive officer or chief financial officer of Borrower to
     have been prepared in accordance with GAAP and to fairly present,
     in all material respects, the financial condition and results of
     operations of Borrower and its Subsidiaries on a consolidated
     basis, at the date and for the periods indicated therein, subject
     to year-end audit adjustments.

     (B) Subsection 10.1(c) of the Credit Agreement is hereby amended and
         ------------------
restated to read in its entirety as follows:

          (c)  Compliance Certificate. As soon as available, and in
               ----------------------
     any event within twenty (20) days after the end of each calendar
     month and accompanying the annual financial statements delivered
     in accordance with subsection 10.1(a), a Compliance Certificate,
                        ------------------
     together with schedules setting forth the calculations supporting
     the computations therein;

     (C) Subsection 10.1(d) of the Credit Agreement is hereby amended to add the
         ------------------
following phrase after the semicolon at the end of such subsection:

     and, together with delivery of each Borrowing Base Certificate,
     the Borrower shall deliver to the Administrative Agent a
     calculation of the average unused
<PAGE>

     amount of availability under the Borrowing Base for the calendar
     month then ended, such calculation to be in form and substance
     satisfactory to the Administrative Agent in order to enable the
     Administrative Agent to determine the Applicable Rate, the
     Commitment Fee Rate, and the L/C Fee Rate (the "Applicable Rate
                                                     ---------------
     Calculation"). Notwithstanding the foregoing, in the event the
     -----------
     excess unused amount of availability under the Borrowing Base is
     at any time less than Fifteen Million Dollars ($15,000,000), then
     the Borrower shall deliver to the Administrative Agent the
     Borrowing Base Certificate, together with supporting Receivables
     agings and reconciliations, and Applicable Rate Calculation
     required by this subsection promptly upon the request of the
     Administrative Agent and in no event less than once a week.

     Section 2.8  Amendment to Section 12.1  Section 12.1 of the Credit
                  -------------------------  ------------
Agreement is hereby amended and restated to read in its entirety as follows:

          Section 12.1. Minimum Tangible Net Worth. As of the end of
          ------------  --------------------------
     each Fiscal Quarter beginning with the Fiscal Quarter ending June
     24, 2000, the Borrower shall not permit its Tangible Net Worth to
     be less than One Hundred Million Dollars ($100,000,000).

     Section 2.9  Amendment to Section 12.4.  Section 12.4 of the Credit
                  -------------------------   ------------
Agreement is hereby amended and restated to read in its entirety as follows:

          Section 12.4 Maximum Capital Expenditures. As of the end of
          ------------ ----------------------------
     each Fiscal Quarter beginning with the Fiscal Quarter ending
     September 30, 2000, the Borrower shall not permit the aggregate
     amount of all Capital Expenditures of the Borrower and its
     Subsidiaries made during such Fiscal Quarter to exceed Three
     Million Dollars ($3,000,000).

     Section 2.10  Amendment to Article 12.  Article 12 of the Credit Agreement
                   -----------------------   ----------
is hereby amended to add Section 12.5 to read in its entirety as follows:
                      ------------

          Section 12.5. Minimum EBITDA. As of the end of each Fiscal
          ------------  --------------
     Quarter, the Borrower shall not permit its EBITDA to be less than
     (i) negative Three Million Dollars (-$3,000,000) for the Fiscal
     Quarter ending June 24, 2000, and (ii) Three Million Dollars
     ($3,000,000) for each Fiscal Quarter ending thereafter.

     Section 2.11  Amendment to Section 15.8.  Subsection 15.8(ii) of the Credit
                   -------------------------   -------------------
Agreement is hereby amended and restated to read in its entirety as follows:

          (ii) except in the case of an assignment to another Lender
     or an assignment of all of a Lender's rights and obligations
     under this Agreement or an assignment by a Lender to one of its
     Related Funds, any such partial assignment shall be in an amount
     at least equal to Five Million Dollars ($5,000,000).
<PAGE>

     Section 2.12  Amendment to Exhibit "C".  Exhibit "C" ("Form of Borrowing
                   ------------------------   -----------
Base Certificate") of the Credit Agreement is hereby amended and restated to
read in its entirety set forth on Exhibit "C-1" to this Amendment.
                                  -------------

                                   ARTICLE 3

                                  Conditions
                                  ----------

     Section 3.1  Conditions Precedent.  The effectiveness of this Amendment is
                  --------------------
subject to the satisfaction of the following conditions precedent:

          (a)  The representations and warranties contained herein and in all
     other Loan Documents, as amended hereby, shall be true and correct in all
     material respects as of the date hereof as if made on the date hereof,
     except for such representations and warranties limited by their terms to a
     specific date.

          (b)  After giving effect to Article 2 hereof, no Default or Event of
                                      ---------
     Default shall have occurred and be continuing.

          (c) Borrower shall have delivered to the Administrative Agent an
     executed original copy of this Amendment.

          (d) Borrower shall have paid to the Administrative Agent and each
     Lender all fees, costs and expenses owed to and/or incurred by each of the
     Administrative Agent and each such Lender arising in connection with this
     Amendment, including, without limitation, (i) an amendment fee in the
     maximum amount of $200,000 to be paid in the following installments: (A)
     $100,000 upon the closing of this Amendment, such installment to be
     distributed pro-rata only among each of the Lenders that executes and
     delivers a counterpart of this Amendment to the Administrative Agent on or
     before July 31, 2000, and (B) $100,000 on October 31, 2000, so long as the
     Commitments of the Lenders are not terminated on or prior to such date,
     such installment to be distributed pro-rata among all of the Lenders; and
     (ii) the reasonable fees, costs and expenses of the Administrative Agent's
     legal counsel, Jenkens & Gilchrist, a Professional Corporation.

          (e) All proceedings taken in connection with the transactions
     contemplated by this Amendment and all documentation and other legal
     matters incident thereto shall be satisfactory to (i) the Administrative
     Agent, (ii) the Required Lenders and (iii) the Administrative Agent's legal
     counsel, Jenkens & Gilchrist, a Professional Corporation.

     Section 3.2  Condition Subsequent.  Borrower shall deliver to the
                  --------------------
Administrative Agent the quarterly financial statements for the Fiscal Quarter
ending June 24, 2000, as required by, and within the time frame permitted by,
Section 10.1(b) of the Credit Agreement as in effect prior to the execution and
---------------
delivery of this Amendment.
<PAGE>

                                   ARTICLE 4

                 Ratifications, Representations and Warranties
                 ---------------------------------------------

  Section 4.1  Ratifications.  The terms and provisions set forth in this
               -------------
Amendment shall modify and supersede all inconsistent terms and provisions set
forth in the Credit Agreement and, except as expressly modified and superseded
by this Amendment, the terms and provisions of the Credit Agreement and the
other Loan Documents are ratified and confirmed and shall continue in full force
and effect.  Borrower, the Administrative Agent and the Lenders agree that the
Credit Agreement as amended hereby and the other Loan Documents shall continue
to be legal, valid, binding and enforceable in accordance with their respective
terms.

  Section 4.2  Representations and Warranties.  Borrower hereby represents and
               ------------------------------
warrants to the Administrative Agent and the Lenders that (i) the execution,
delivery and performance of this Amendment and any and all other Loan Documents
executed and/or delivered in connection herewith have been authorized by all
requisite action on the part of Borrower and will not violate the articles of
incorporation or bylaws of Borrower; (ii) the representations and warranties
contained in the Credit Agreement, as amended hereby, and any other Loan
Document are true and correct on and as of the date hereof as though made on and
as of the date hereof (except to the extent that such representations and
warranties were expressly, in the Credit Agreement, made only in reference to a
specific date); (iii) after giving effect to this Amendment, no Default or Event
of Default has occurred and is continuing; and (iv) Borrower is in full
compliance with all covenants and agreements contained in the Credit Agreement,
as amended hereby, and the other Loan Documents.

                                   ARTICLE 5

                                 Miscellaneous
                                 -------------

  Section 5.1  Survival of Representations and Warranties.  All representations
               ------------------------------------------
and warranties made in this Amendment or any other Loan Document including any
Loan Document furnished in connection with this Amendment shall survive the
execution and delivery of this Amendment and the other Loan Documents, and no
investigation by the Administrative Agent or any Lender shall affect the
representations and warranties or the right of the Administrative Agent or any
Lender to rely upon them.

  Section 5.2  Reference to Credit Agreement.  Each of the Loan Documents,
               -----------------------------
including the Credit Agreement and any and all other agreements, documents, or
instruments now or hereafter executed and delivered pursuant to the terms hereof
or pursuant to the terms of the Credit Agreement as amended hereby, are hereby
amended so that any reference in such Loan Documents to the Credit Agreement
shall mean a reference to the Credit Agreement as amended hereby.
<PAGE>

     Section 5.3  Severability.  Any provision of this Amendment held by a
                  ------------
court of competent jurisdiction to be invalid or unenforceable shall not impair
or invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

     Section 5.4  Applicable Law.  THIS AMENDMENT SHALL BE GOVERNED BY AND
                  --------------
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE COMMONWEALTH OF MASSACHUSETTS AND
THE APPLICABLE LAWS OF THE UNITED STATES OF AMERICA.

     Section 5.5  Successors and Assigns. This Amendment is binding upon and
                  ----------------------
shall inure to the benefit of the Administrative Agent, the Lenders, and
Borrower and their respective successors and assigns, except Borrower may not
assign or transfer any of its rights or obligations hereunder without the prior
written consent of all the Lenders.

     Section 5.6  Counterparts.  This Amendment may be executed in one or more
                  ------------
counterparts, and on telecopy counterparts each of which when so executed shall
be deemed to be an original, but all of which when taken together shall
constitute one and the same agreement.

     Section 5.7  Effect of Amendment. No consent or waiver, express or implied,
                  -------------------
by the Administrative Agent or any Lender to or for any breach of or deviation
from any covenant, condition or duty by Borrower or any Loan Party shall be
deemed a consent or waiver to or of any other breach of the same or any other
covenant, condition or duty.

     Section 5.8  Headings. The headings, captions, and arrangements used in
                  --------
this Amendment are for convenience only and shall not affect the interpretation
of this Amendment.

     Section 5.9  ENTIRE AGREEMENT.  THIS AMENDMENT AND ALL OTHER INSTRUMENTS,
                  ----------------
DOCUMENTS AND AGREEMENTS EXECUTED AND DELIVERED IN CONNECTION WITH THIS
AMENDMENT EMBODY THE FINAL, ENTIRE AGREEMENT AMONG THE PARTIES HERETO AND
SUPERSEDE ANY AND ALL PRIOR COMMITMENTS, AGREEMENTS, REPRESENTATIONS AND
UNDERSTANDINGS, WHETHER WRITTEN OR ORAL, RELATING TO THIS AMENDMENT, AND MAY NOT
BE CONTRADICTED OR VARIED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT
ORAL AGREEMENTS OR DISCUSSIONS OF THE PARTIES HERETO.  THERE ARE NO ORAL
AGREEMENTS AMONG THE PARTIES HERETO.

                 [remainder of page intentionally left blank]
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed and delivered this
Amendment effective as of the date first written above.

                              BORROWER:
                              --------

                              RENAISSANCE WORLDWIDE, INC.

                              By:   /s/ Joseph F. Pesce
                                 -----------------------------------------
                              Name:     Joseph F. Pesce
                                   ---------------------------------------
                              Title:    EVP of Finance, CFO and Treasurer
                                    --------------------------------------

                              LENDERS:
                              -------

                              BANK OF AMERICA, N.A.,
                              as the Administrative Agent and as a Lender

                              By:   /s/ Fred L. Thorne
                                 -----------------------------------------
                              Name:     Fred L. Thorne
                                   ---------------------------------------
                              Title:    Managing Director
                                    --------------------------------------

                              GMAC COMMERCIAL CREDIT LLC (formerly BNY Factoring
                              LLC),
                              as the Syndication Agent and as a Lender

                              By:   /s/ Joseph A. Grimaldi
                                 -----------------------------------------
                              Name:     Joseph A. Grimaldi
                                   ---------------------------------------
                              Title:    President & CEO
                                    --------------------------------------

                              CITIZENS BANK OF MASSACHUSETTS

                              By:   /s/ William F. Granchelli
                                 -----------------------------------------
                              Name:     William F. Granchelli
                                   ---------------------------------------
                              Title:    Senior Vice President
                                    --------------------------------------

                              THE CIT GROUP / BUSINESS CREDIT, INC.

                              By:   /s/ Eric Maloy
                                 -----------------------------------------
                              Name:     Eric Maloy
                                   ---------------------------------------
                              Title:    AVP/AE
                                    --------------------------------------
<PAGE>

                                     DEBIS FINANCIAL SERVICES, INC.

                                     By:   /s/ James M. Vandervalk
                                        ---------------------------------------
                                     Name:     James M. Vandervalk
                                          -------------------------------------
                                     Title:    President, ABL Division
                                           ------------------------------------

                                     FINOVA CAPITAL CORPORATION

                                     By:   /s/ Bruce Mettel
                                        ---------------------------------------
                                     Name:     Bruce Mettel
                                          -------------------------------------
                                     Title:    Vice President
                                           ------------------------------------

                                     NATIONAL BANK OF CANADA

By:   /s/ Leonard J. Pellecchia      By:   /s/ A. Keith Broyles
   -------------------------------      ---------------------------------------
Name:     Leonard J. Pellecchia      Name:     Keith Broyles
     -----------------------------        -------------------------------------
Title:    Vice President             Title:    Vice President & Manager
      ----------------------------         ------------------------------------

                                     PNC BUSINESS CREDIT

                                     By:   /s/ John W. Speiser
                                        ---------------------------------------
                                     Name:     John W. Speiser
                                          -------------------------------------
                                     Title:    Vice President
                                           ------------------------------------

                                     WEBSTER BANK

                                     By:   /s/ William H. Creaser
                                        ---------------------------------------
                                     Name:     William H. Creaser
                                          -------------------------------------
                                     Title:    Vice President
                                           ------------------------------------
<PAGE>

          REAFFIRMATION OF GUARANTY AND PLEDGE AND SECURITY AGREEMENT
          -----------------------------------------------------------

     Each of the undersigned hereby (i) consents to the execution and delivery
of the Fourth Amendment to the Amended and Restated Credit Agreement to which
this Reaffirmation of Guaranty and Pledge and Security Agreement is attached
(the "Amendment") by the parties thereto, (ii) agrees that the Amendment shall
      ---------
not limit or diminish the obligations of each of the undersigned under that
certain Subsidiary Guaranty dated as of July 15, 1999 (as amended, the
"Guaranty"), or under that certain Pledge and Security Agreement dated as of
 --------
July 15, 1999 (as amended, the "Pledge and Security Agreement"), executed or
                                -----------------------------
joined in by each of the undersigned and delivered to the Administrative Agent,
(iii) reaffirms its obligations under each of the Guaranty and the Pledge and
Security Agreement, and (iv) agrees that each of the Guaranty and the Pledge and
Security Agreement remains in full force and effect and is hereby ratified and
confirmed.

Dated effective as of   July 31  , 2000.
                      -----------

                              THE HUNTER GROUP, INC.
                              THE HUNTER GROUP INTERNATIONAL, INC.
                              THE MANAGEMENT DECISIONS GROUP, INC.
                              NEOGLYPHICS MEDIA CORPORATION
                              RENAISSANCE GOVERNMENT SOLUTIONS, INC.
                              RENAISSANCE WORLDWIDE INTERNATIONAL
                                   HOLDINGS, INC.
                              RENAISSANCE WORLDWIDE IT CONSULTING
                                   SERVICES, INC.
                              STERLING INFORMATION GROUP, INC.
                              TRI SECURITIES CORP.

                              By:  /s/ Joseph F. Pesce
                                 -----------------------------------------------
                              Name:    Joseph F. Pesce
                                   ---------------------------------------------
                              Title:  Vice President for each of the foregoing
<PAGE>

                         ARI NATIONAL COMPANY

                         By:  /s/ Joseph F. Pesce
                            ----------------------------------------------------
                         Name:    Joseph F. Pesce
                              --------------------------------------------------
                         Title:  Sole Trustee

                         This Reaffirmation of Guaranty and Pledge and Security
                         Agreement is executed on behalf of ARI National Company
                         by its sole trustee as sole trustee and not
                         individually, and the obligations of ARI National
                         Company hereunder are not binding upon any of ARI
                         National Company's sole trustee, officers or
                         shareholders or any of them individually but are
                         binding only upon the assets and property of ARI
                         National Company.  The Agreement and Declaration of
                         Trust of ARI National Company is on file with the
                         Secretary of the Commonwealth of Massachusetts.
<PAGE>

                                 EXHIBIT "C-1"

                      Form of Borrowing Base Certificate
                      ----------------------------------
<PAGE>

                          BORROWING BASE CERTIFICATE
                          --------------------------

Reporting Date: ____________

To:  BANK OF AMERICA, N.A. (formerly NationsBank, N.A.), individually as a
     Lender and as administrative agent for itself and the other Lenders  (the
     "Administrative Agent") under the Amended and Restated Credit Agreement
      --------------------
     dated as of July 15, 1999 (such agreement, as it has been, and may be
     further, amended, restated or otherwise modified from time to time, the
     "Credit Agreement"), among the Administrative Agent, RENAISSANCE WORLDWIDE,
      ----------------
     INC. (the "Borrower"), BNY Factoring LLC, as syndication agent and the
                --------
     other Lenders party thereto.

     Reference is hereby made to the Credit Agreement, the terms defined therein
being used herein as therein defined.  This Borrowing Base Certificate is
delivered pursuant to the terms of the Credit Agreement.

     The undersigned, an authorized signatory of the Borrower, hereby certifies
and warrants to the Administrative Agent and the Lenders on behalf of the
Borrower as follows:

I.   I am the duly qualified and acting _____________ of the Borrower, and I am
     familiar with the financial statements and financial affairs of the
     Borrower and its Subsidiaries.  I am authorized to execute this Borrowing
     Base Certificate on behalf of the Borrower.

II.  The following are true and correct computations of the Borrowing Base under
     the Credit Agreement as of the Reporting Date:

A.   Eligible Receivables
     --------------------

     1.   Net face value of each Eligible Receivable      See Schedule 1 hereto
                                                              ----------

     2.   Aggregate of net face value of Eligible
          Receivables due and owing                       $ _________________

     3.   Line 2 multiplied by eighty-five percent (85%)  $ _________________

B.   Total Borrowing Base
     --------------------

     4.   Line 3 minus (i) $22,000,000 if calculated on
                 -----
          the closing date of the Fourth Amendment and
          (ii) $5,000,000 if calculated on any date
          thereafter                                      $ _________________

     The Borrower further represents and warrants to the Agent and the Lenders
that the representations and warranties contained in Article 9 of the Credit
                                                     ---------
Agreement are true and correct on and as of the date of this Borrowing Base
Certificate as if made on and as of the date hereof (except to the extent that
such representations and warranties expressly refer to an earlier date, in which
case they shall be true and correct as of such earlier date), and that no Event
of Default or Default has occurred and is continuing.
<PAGE>

     IN WITNESS WHEREOF, the Borrower has caused this Borrowing Base Certificate
to be executed and delivered by an authorized signatory on this ___ day of
_____, 2000.

                              RENAISSANCE WORLDWIDE, INC.

                              By:__________________________________
                              Name:________________________________
                              Title:_______________________________
<PAGE>

                   Schedule 1 to Borrowing Base Certificate
                   ----------------------------------------

           (attach schedule of Receivables and Eligible Receivables)

                                      16
<PAGE>

                                  SCHEDULE 1

                       Schedule 1.1 to Credit Agreement
                       --------------------------------

                                  Commitments
                                  -----------

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------------------
                           Lender                                        Revolving Commitment
                           ------                                        --------------------
-------------------------------------------------------------------------------------------------------
<S>                                                                   <C>
                      Bank of America, N.A.                                                 $10,266,667
-------------------------------------------------------------------------------------------------------
     GMAC Commercial Credit LLC (formerly BNY Factoring LLC)                                $10,266,667
-------------------------------------------------------------------------------------------------------
                       PNC Business Credit                                                  $ 8,400,000
-------------------------------------------------------------------------------------------------------
              The CIT Group / Business Credit, Inc.                                         $ 8,400,000
-------------------------------------------------------------------------------------------------------
                    FINOVA Capital Corporation                                              $ 8,400,000
-------------------------------------------------------------------------------------------------------
                  Debis Financial Services, Inc.                                            $ 6,533,333
-------------------------------------------------------------------------------------------------------
                  Citizens Bank of Massachusetts                                            $ 6,533,333
-------------------------------------------------------------------------------------------------------
                     National Bank of Canada                                                $ 6,533,333
-------------------------------------------------------------------------------------------------------
                         Webster Bank                                                       $ 4,666,667
-------------------------------------------------------------------------------------------------------
</TABLE>

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