INTERDENT INC
EXHIBIT 10.4
<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>6
<FILENAME>a2056426zex-10_4.htm
<DESCRIPTION>EXHIBIT 10.4
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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="lk1659_amendment_agreement_no._7_and_consent"> </A>
<A NAME="toc_lk1659_1"> </A>
<BR></FONT><FONT SIZE=2><B>AMENDMENT AGREEMENT NO. 7 AND CONSENT    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;AMENDMENT AGREEMENT NO. 7 AND CONSENT, effective as of May&nbsp;31, 2001 (this </FONT><FONT SIZE=2><I>"Amendment"</I></FONT><FONT SIZE=2>), to the AMENDED
AND RESTATED CREDIT AGREEMENT, dated as of June&nbsp;15, 1999 (as heretofore amended and as may be further amended, modified or supplemented from time to time the </FONT><FONT SIZE=2><I>"Credit
Agreement"</I></FONT><FONT SIZE=2>), among GENTLE DENTAL SERVICE CORPORATION, a Washington corporation (</FONT><FONT SIZE=2><I>"Dental Service"</I></FONT><FONT SIZE=2>), GENTLE DENTAL
MANAGEMENT,&nbsp;INC., a Delaware corporation (</FONT><FONT SIZE=2><I>"Dental Management"</I></FONT><FONT SIZE=2>) and DENTAL CARE ALLIANCE,&nbsp;INC., a Delaware corporation
(</FONT><FONT SIZE=2><I>"DCA"</I></FONT><FONT SIZE=2>; DCA, Dental Service and Dental Management, each a </FONT><FONT SIZE=2><I>"Borrower"</I></FONT><FONT SIZE=2> and collectively, the </FONT> <FONT SIZE=2><I>"Borrowers"</I></FONT><FONT SIZE=2>), the
Guarantors named therein, the financial institutions from time to time party thereto (collectively, the </FONT> <FONT SIZE=2><I>"Lenders"</I></FONT><FONT SIZE=2>), UNION BANK OF CALIFORNIA, N.A., as administrative agent for the Lenders (in such
capacity, the </FONT><FONT SIZE=2><I>"Administrative
Agent"</I></FONT><FONT SIZE=2>), and THE CHASE MANHATTAN BANK (</FONT><FONT SIZE=2><I>"Chase"</I></FONT><FONT SIZE=2>), as syndication agent for the Lenders (in such capacity, the </FONT> <FONT SIZE=2><I>"Syndication Agent"</I></FONT><FONT SIZE=2>).
</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;WHEREAS,
the Borrowers have requested that the Lenders consent, and the Lenders have agreed to consent, to (i)&nbsp;the sale of the outstanding capital stock of DCA, assets used by,
or solely in the operation and management of, (x)&nbsp;DCA (including, without limitation, the management relationships between DCA and the dental practices set forth on </FONT> <FONT SIZE=2><I>Exhibit&nbsp;A</I></FONT><FONT SIZE=2> hereto) and
(y)&nbsp;the dental practices set forth on </FONT><FONT SIZE=2><I>Exhibit&nbsp;B</I></FONT><FONT SIZE=2> hereto (the </FONT> <FONT SIZE=2><I>"DentalCo Dental Practices"</I></FONT><FONT SIZE=2>) and certain other assets and contracts related to the
DentalCo Dental Practices, pursuant to a Purchase Agreement dated
April&nbsp;17, 2001 (the </FONT><FONT SIZE=2><I>"Purchase Agreement"</I></FONT><FONT SIZE=2>) by and among MON Acquisition Corp. (the </FONT><FONT SIZE=2><I>"Purchaser"</I></FONT><FONT SIZE=2>),
Holdings, Dental Service and DentalCo Management Services of Maryland,&nbsp;Inc., and the grant of a non-exclusive license to use the registered service mark GENTLE DENTAL (U.S. Reg.
No.&nbsp;1,214,461) pursuant to a License Agreement, dated May&nbsp;31, 2001, by and between Dental Service and the Purchaser (the </FONT><FONT SIZE=2><I>"DCA
Disposition"</I></FONT><FONT SIZE=2>) and (ii)&nbsp;in connection with the DCA Disposition, the release of DCA as a Borrower under the Credit Agreement, the release of subsidiaries of DCA as
Guarantors and the release of Liens on assets sold pursuant to the DCA Disposition; </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;WHEREAS,
the Borrowers have requested that the Lenders amend, and the Lenders have agreed to amend, the Credit Agreement in certain respects; </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;WHEREAS,
the Borrowers have requested that the Lenders consent, and the Lenders have agreed to consent, to the dissolution of Gentle Dental of Irvine,&nbsp;Inc., Gentle Dental
Legacy,&nbsp;Inc., GMS Dental Group Management of Hawaii,&nbsp;Inc. and GDSC of Piedmont,&nbsp;Inc. (each a </FONT><FONT SIZE=2><I>"Dissolving Company"</I></FONT><FONT SIZE=2> and collectively,
the </FONT><FONT SIZE=2><I>"Dissolving Companies"</I></FONT><FONT SIZE=2>); </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;WHEREAS,
effective as of May&nbsp;15, 2001, the Lenders and the Borrowers entered into the Consent to Naismith Disposition and Annapolis/Cross Keys Disposition, wherein the Lenders,
among other things, consented to the sale of assets of Dental Management that are used in the operations of the Affiliated Dental Practice conducted by Burns Dental Corporation under the name Naismith
Dental Group to Naismith Dental Corporation (</FONT><FONT SIZE=2><I>"NDC"</I></FONT><FONT SIZE=2>; with such sale being herein referred to as the </FONT><FONT SIZE=2><I>"Naismith
Disposition"</I></FONT><FONT SIZE=2>; the DCA Disposition and the Naismith Disposition each being herein referred to as a </FONT><FONT SIZE=2><I>"Disposition"</I></FONT><FONT SIZE=2> and
collectively, the </FONT><FONT SIZE=2><I>"Dispositions"</I></FONT><FONT SIZE=2>); </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;WHEREAS,
Villanova LLC (</FONT><FONT SIZE=2><I>"Villanova"</I></FONT><FONT SIZE=2>) will replace NDC as the purchaser in the Naismith Disposition; and </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;WHEREAS,
the Borrowers have requested that the Lenders consent, and the Lenders have agreed to consent, to extend the time for consummating the Naismith Disposition; </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;NOW,
THEREFORE, the Borrowers, the Guarantors, the Lenders, the Administrative Agent and the Syndication Agent hereby agree as follows: </FONT></P>


<P><FONT SIZE=2>SECTION
1. </FONT><FONT SIZE=2><I>CAPITALIZED TERMS.</I></FONT><FONT SIZE=2> Capitalized terms used herein and not defined shall have the respective meanings assigned to such terms in the Credit
Agreement. </FONT></P>

<HR NOSHADE>
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<P><FONT SIZE=2>
SECTION 2. </FONT><FONT SIZE=2><I>AMENDMENTS TO THE CREDIT AGREEMENT.</I></FONT><FONT SIZE=2> Upon the fulfillment of the conditions set forth in Section&nbsp;5 hereof, the Credit Agreement is
hereby amended as follows: </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;2.1&nbsp;DEFINITIONS.
Section&nbsp;1.01 of the Credit Agreement is hereby amended by adding the following definitions: </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><I>"DCA Closing Date"</I></FONT><FONT SIZE=2> means the effective date of the DCA Disposition. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><I>"DCA Disposition"</I></FONT><FONT SIZE=2> shall mean the sale of outstanding capital stock of DCA, assets used by, or solely in the operation and management
of, DCA and the dental practices listed in the Purchase Agreement referred to below and certain other assets and contracts, pursuant to a Purchase Agreement dated April&nbsp;17, 2001 by and among
MON Acquisition Corp., Holdings, Dental Service and DentalCo Management Services of Maryland,&nbsp;Inc. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;2.2&nbsp;AFFIRMATIVE
COVENANTS. Section&nbsp;6.16 of the Credit Agreement is hereby amended to read in full as follows. </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;SECTION
6.16 </FONT><FONT SIZE=2><I>Life Insurance.</I></FONT><FONT SIZE=2> Maintain in full force and effect, at all times, the key man life insurance policy on Michael Fiore which
has been assigned to the Administrative Agent for its own benefit and for the benefit of the Lenders pursuant to the Assignment of Life Insurance. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;2.3&nbsp;NEGATIVE
COVENANTS. A Section&nbsp;7.08 of the Credit Agreement is hereby amended, effective on the DCA Closing Date, to read in full as follows: </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;SECTION
7.08 </FONT><FONT SIZE=2><I>Cash Flow.</I></FONT><FONT SIZE=2> Permit Cash Flow at the end of the fiscal quarter ended March&nbsp;31, 2001, the two fiscal quarter period
ending June&nbsp;30, 2001, the three fiscal quarter period ending September&nbsp;30, 2001 and any four fiscal quarter period ending thereafter to be less than the amounts shown below opposite such
quarter end date: </FONT></P>
</UL>
<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TH WIDTH="26%" ALIGN="LEFT"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH WIDTH="26%" ALIGN="CENTER"><FONT SIZE=1><B>Quarter Ending</B></FONT><HR NOSHADE></TH>
<TH COLSPAN=2 ALIGN="CENTER"><FONT SIZE=1><B>Cash Flow</B></FONT><HR NOSHADE></TH>
<TH WIDTH="26%" ALIGN="LEFT"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>March 31, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>$</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>4,500,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>June 30, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>9,100,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>September 30, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>15,900,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>December 31, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>21,100,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>March 31, 2002</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>21,100,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>June 30, 2002</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>21,400,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>September 30, 2002</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>21,700,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>December 31, 2002</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>22,300,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>March 31, 2003</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>22,600,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>June 30, 2003 and thereafter</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>22,900,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE>
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<HR NOSHADE>
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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;B.&nbsp;&nbsp;Section&nbsp;7.09
of the Credit Agreement is hereby amended, effective on the DCA Closing Date, to read in full as follows: </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;SECTION
7.09 </FONT><FONT SIZE=2><I>Leverage Ratio.</I></FONT><FONT SIZE=2> Permit the Leverage Ratio of Holdings and its subsidiaries (on a Consolidated basis) at the end of any
fiscal quarter to be greater than: </FONT></P>
</UL>
<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TH WIDTH="26%" ALIGN="LEFT"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH WIDTH="26%" ALIGN="CENTER"><FONT SIZE=1><B>Quarter Ending</B></FONT><HR NOSHADE></TH>
<TH WIDTH="21%" ALIGN="CENTER"><FONT SIZE=1><B>Ratio</B></FONT><HR NOSHADE></TH>
<TH WIDTH="26%" ALIGN="LEFT"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>March 31, 2001</FONT></TD>
<TD WIDTH="21%" ALIGN="RIGHT"><FONT SIZE=2>3.20:1.00</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>June 30, 2001</FONT></TD>
<TD WIDTH="21%" ALIGN="RIGHT"><FONT SIZE=2>3.20:1.00</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>September 30, 2001</FONT></TD>
<TD WIDTH="21%" ALIGN="RIGHT"><FONT SIZE=2>3.20:1.00</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>December 31, 2001</FONT></TD>
<TD WIDTH="21%" ALIGN="RIGHT"><FONT SIZE=2>3.20:1.00</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>March 31, 2002</FONT></TD>
<TD WIDTH="21%" ALIGN="RIGHT"><FONT SIZE=2>3.30:1.00</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>June 30, 2002</FONT></TD>
<TD WIDTH="21%" ALIGN="RIGHT"><FONT SIZE=2>3.10:1.00</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>September 30, 2002</FONT></TD>
<TD WIDTH="21%" ALIGN="RIGHT"><FONT SIZE=2>2.80:1.00</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>December 31, 2002</FONT></TD>
<TD WIDTH="21%" ALIGN="RIGHT"><FONT SIZE=2>2.40:1.00</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>March 31, 2003</FONT></TD>
<TD WIDTH="21%" ALIGN="RIGHT"><FONT SIZE=2>2.15:1.00</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>June 30, 2003 and thereafter</FONT></TD>
<TD WIDTH="21%" ALIGN="RIGHT"><FONT SIZE=2>1.90:1.00</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE>
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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;C.&nbsp;&nbsp;Section&nbsp;7.10
of the Credit Agreement is hereby amended, effective on the DCA Closing Date, to read in full as follows: </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;SECTION
7.10 </FONT><FONT SIZE=2><I>Liquidity.</I></FONT><FONT SIZE=2> Permit the sum of (i)&nbsp;the undrawn Revolving Credit Commitments under this Agreement and the undrawn
Revolving Credit Commitments under the 2000 Credit Agreement (as such term is defined in the 2000 Credit Agreement) </FONT><FONT SIZE=2><I>plus</I></FONT><FONT SIZE=2> (ii)&nbsp;unused commitments
under new debt financing ranked junior to the Obligations and junior to the 2000 Obligations </FONT><FONT SIZE=2><I>plus</I></FONT><FONT SIZE=2> (iii)&nbsp;cash on hand of the Borrowers, Holdings
and other Guarantors on deposit with the Administrative Agent or subject to blocked account agreements, on the last day of each month shown below, to be less than the correlative amount for such
month: </FONT></P>
</UL>
<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TH WIDTH="26%" ALIGN="LEFT"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH WIDTH="26%" ALIGN="CENTER"><FONT SIZE=1><B>Month</B></FONT><HR NOSHADE></TH>
<TH COLSPAN=2 ALIGN="CENTER"><FONT SIZE=1><B>Liquidity Amount</B></FONT><HR NOSHADE></TH>
<TH WIDTH="26%" ALIGN="LEFT"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>March 31, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>$</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>2,300,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>April 30, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>2,300,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>May 31, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>5,000,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>June 30, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>6,300,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>July 31, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>6,100,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>August 31, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>5,900,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>September 30, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>5,700,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>October 31, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>5,000,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>November 30, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>4,300,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>December 31, 2001</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>3,600,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>January 31, 2002</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>3,200,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>February 28, 2002</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>2,800,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>March 31, 2002</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>2,500,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>April 30, 2002 and thereafter</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>2,500,000</FONT></TD>
<TD WIDTH="26%"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
</TABLE>
<!-- end of user-specified TAGGED TABLE -->


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;2.4&nbsp;SCHEDULES.
Schedule&nbsp;4.05 of the Credit Agreement is hereby amended to read as set forth on Schedule&nbsp;4.05 hereto. </FONT></P>

<P><FONT SIZE=2>SECTION
3. </FONT><FONT SIZE=2><I>WAIVER AND CONSENT.</I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;3.1&nbsp;</FONT><FONT
SIZE=2><I>Consent to DCA Disposition.</I></FONT><FONT SIZE=2> Subject to the terms and conditions set forth herein, the Lenders hereby consent to
(i)&nbsp;the DCA Disposition, </FONT><FONT SIZE=2><I>provided</I></FONT><FONT SIZE=2> that the DCA Disposition occurs by June&nbsp;15, 2001 and results in the remaining Borrowers receiving cash
proceeds of not less than $22,650,000 (before deduction of expenses and taxes), (ii)&nbsp;effective on the DCA Closing Date, the release of DCA as a Borrower under the Credit Agreement,
(iii)&nbsp;effective on the DCA Closing Date, the release of Dental </FONT></P>

<HR NOSHADE>
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<P><FONT SIZE=2>
Care Alliance of Florida,&nbsp;Inc., Dental Care Alliance of Georgia,&nbsp;Inc., Dental Care Alliance of Indiana,&nbsp;Inc., Dental Care Alliance of Michigan,&nbsp;Inc., Dental Care Alliance
of Pennsylvania,&nbsp;Inc. and Dental One Associates,&nbsp;Inc. as Guarantors (each a </FONT><FONT SIZE=2><I>"DCA Guarantor"</I></FONT><FONT SIZE=2>) under the Credit Agreement and
(iv)&nbsp;the release of Liens in favor of the Lenders to the extent that such Liens encumber assets sold pursuant to the DCA Disposition, including, without limitation, Liens encumbering the
capital stock of DCA and its subsidiaries, the promissory notes and the pledge and security agreements, including the stock underlying such pledge and security agreements, listed on </FONT> <FONT SIZE=2><I>Exhibit&nbsp;C</I></FONT><FONT SIZE=2>
hereto, the Management Agreements related to the DentalCo Dental Practices and the Assignment of Life Insurance on Steven Matzkin; </FONT> <FONT SIZE=2><I>provided</I></FONT><FONT SIZE=2> that the cash proceeds of the DCA Disposition shall be
delivered by the Purchaser to the Administrative Agent and applied as set forth in
Section&nbsp;2.09 of the Credit Agreement. Upon the Administrative Agent's receipt of the cash proceeds of the DCA Disposition, (i)&nbsp;DCA shall cease to be a Borrower, (ii)&nbsp;DCA and each
DCA Guarantor shall cease to be a "Grantor" under the Security Agreement, (iii)&nbsp;each DCA Guarantor shall cease to be a "Guarantor" under the Credit Agreement and (iv)&nbsp;the stock of DCA
and each DCA Guarantor shall no longer be considered "Pledged Stock" or "Collateral" under the Pledge Agreement. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;3.2&nbsp;</FONT><FONT
SIZE=2><I>Waiver.</I></FONT><FONT SIZE=2> Subject to the terms and conditions set forth herein, the Lenders hereby waive any Event of Default
resulting solely from the occurrence of a Change of Control arising by virtue of Holdings no longer owning 100% of DCA. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;3.3&nbsp;</FONT><FONT
SIZE=2><I>Consent to Dissolution of Dissolving Companies.</I></FONT><FONT SIZE=2> Subject to the terms and conditions set forth herein, and
notwithstanding the provisions of Section&nbsp;6.02 and Section&nbsp;7.05 of the Credit Agreement, the Lenders hereby consent to the dissolution of the Dissolving Companies; </FONT> <FONT SIZE=2><I>provided</I></FONT><FONT SIZE=2> that (i)&nbsp;no
Default or Event of Default shall have occurred and be continuing at the time of the dissolution of any of the Dissolving
Companies or shall result of any such dissolution, (ii)&nbsp;each such dissolution results in the assets (if any) and liabilities (if any) of the Dissolving Company being assumed by such Dissolving
Company's direct parent (</FONT><FONT SIZE=2><I>i.e.</I></FONT><FONT SIZE=2>, Dental Service or Dental Management, as applicable) and (iii)&nbsp;simultaneously with each such dissolution, the
Borrowers deliver to the Agents (x)&nbsp;an opinion of counsel with respect to such dissolution, each such opinion to be in form and substance satisfactory to the Agents and (y)&nbsp;an officer's
certificate, from an officer of the direct parent of the applicable Dissolving Company, certifying that (1)&nbsp;the assets (if any) and liabilities (if any) of the Dissolving Company have been
assumed by Dental Service or Dental Management, as the case may be and (2)&nbsp;the security interest of the Administrative Agent (for the ratable benefit of Lenders) in any assets of the Lenders is
the subject of an effective financing statement in favor of the Administrative Agent. Upon delivery of evidence of the dissolution of each Dissolving Company in form and substance satisfactory to the
Agents and upon satisfaction of the provisions of the foregoing sentence, such Dissolving Company shall cease to be a "Grantor" under the Security Agreement and a Guarantor under the Credit Agreement
and the stock of such Dissolving Company shall no longer be considered "Pledged Stock" or "Collateral" under the Pledge Agreement. Notwithstanding the foregoing, the security interest of the
Administrative Agent (for the ratable benefit of the Lenders) in any assets of the Dissolving Companies shall continue. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;3.4&nbsp;</FONT><FONT
SIZE=2><I>Consent to Naismith Disposition.</I></FONT><FONT SIZE=2> Subject to the terms and conditions set forth herein, the Lenders hereby consent to
(i)&nbsp;the Naismith Disposition, </FONT><FONT SIZE=2><I>provided</I></FONT><FONT SIZE=2> that the Naismith Disposition occurs by June&nbsp;30, 2001 and results in the Borrowers receiving total
consideration of not less than $1,950,000 (consisting of
cash proceeds of not less than $850,000 (before deduction of expenses and taxes), an 8% promissory note in an amount not to exceed $404,000 maturing no later than 2004, and forgiveness of Indebtedness
of not less than $696,000, which Indebtedness is evidenced by a promissory note dated February&nbsp;24, 1997) and (ii)&nbsp;the release of Liens in favor of the Lenders to the extent that such
Liens encumber assets sold pursuant to the Naismith Disposition. Each note received in connection with the Naismith Disposition shall (a)&nbsp;be promptly delivered to the Administrative Agent
pursuant to the Security Documents and (b)&nbsp;provide that Villanova shall make all payments, including interest and principal payments, directly to the Administrative Agent. The cash proceeds of
the Naismith Disposition shall be delivered by Villanova to the Administrative Agent and applied as set forth in Section&nbsp;2.09 of the Credit Agreement. </FONT></P>

<HR NOSHADE>
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<P><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;3.5&nbsp;</FONT><FONT SIZE=2><I>Lenders' Acknowledgement.</I></FONT><FONT SIZE=2> The Lenders acknowledge and agree that the consent set forth in this Section&nbsp;3 is a
consent to each Disposition, and such consent is not conditioned on both Dispositions being consummated or being consummated concurrently. </FONT></P>

<P><FONT SIZE=2>SECTION
4. </FONT><FONT SIZE=2><I>LIMITATION OF CONSENT AND WAIVER.</I></FONT><FONT SIZE=2> Without limiting the generality of the provisions of Section&nbsp;11.08 of the Credit Agreement, the
consent and waiver set forth in Section&nbsp;3 shall be limited precisely as written and is provided solely with respect to (i)&nbsp;the Dispositions and the release of Liens on related Collateral
as specified in Section&nbsp;3, (ii)&nbsp;the Event of Default resulting from the DCA Disposition and (iii)&nbsp;the dissolution of the Dissolving Companies. Nothing in this Amendment shall be
deemed to constitute (a)&nbsp;a consent to any sale or disposition of assets or release of Collateral other than the Dispositions and release of Liens on Collateral specified in Section&nbsp;3,
any dissolution of a Borrower or a Guarantor other than the dissolution of the Dissolving Companies as specified in Section&nbsp;3 and a waiver of any Event of Default other than the Event of
Default specified in Section&nbsp;3, (b)&nbsp;a consent to or waiver of noncompliance with any other term, provision or condition of the Credit Agreement or any other instrument or agreement
referred to therein or (c)&nbsp;the acquisition of assets from the Purchaser pursuant to Section&nbsp;7.06 of the Purchase Agreement. </FONT></P>

<P><FONT SIZE=2>SECTION
5. </FONT><FONT SIZE=2><I>CONDITIONS PRECEDENT.</I></FONT><FONT SIZE=2> This Amendment shall become effective upon the execution and delivery of counterparts hereof by the Borrowers, the
Guarantors, the Lenders and each of the Agents to the Administrative Agent and the fulfillment of the following conditions: </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;5.1&nbsp;The
Administrative Agent shall have received evidence that Amendment Agreement No.&nbsp;4 and Consent, dated as of May&nbsp;31, 2001, to the 2000 Credit
Agreement has been executed and delivered by each of the parties thereto concurrently with the execution and delivery of this Amendment. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;5.2&nbsp;The
Administrative Agent shall have received a certificate signed by a Financial Officer of each Borrower and Guarantor that (i)&nbsp;both before and after giving
effect to the transactions contemplated herein all representations and warranties contained in this Amendment or otherwise made in writing to
the Administrative Agent in connection herewith shall be true and correct in all material respects on and as of the date hereof (except insofar as such representations and warranties relate expressly
to an earlier date) and (ii)&nbsp;after giving effect to the transactions contemplated herein, there exists no unwaived Default or Event of Default. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;5.3&nbsp;The
Administrative Agent shall have received certified copies of resolutions of the Board of Directors of each Borrower, approving and authorizing the execution,
delivery, and performance of this Amendment, certified as of the date hereof by its corporate secretary or an assistant secretary as being in full force and effect without modification or amendment. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;5.4&nbsp;With
respect to the consent contained in Section&nbsp;3.4, receipt by the Administrative Agent of (i)&nbsp;the cash proceeds of the Naismith Disposition and
(ii)&nbsp;each note received by any Borrower or any Guarantor in connection with the Naismith Disposition, each in form and substance to the Administrative Agent, executed by Villanova, providing,
among other things, that Villanova shall make all payments, including interest and principal payments, directly to the Administrative Agent. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;5.5&nbsp;The
Administrative Agent shall have received such other documents as the Lenders or their counsel shall reasonably deem necessary. </FONT></P>

<P><FONT SIZE=2>SECTION
6. </FONT><FONT SIZE=2><I>CONFIRMATION OF LOAN DOCUMENTS.</I></FONT><FONT SIZE=2> Each Loan Party, by its execution and delivery of this Amendment, irrevocably and unconditionally ratifies
and confirms in favor of the Administrative Agent that it consents to the terms and conditions of the Credit Agreement as it has been amended by this Amendment and that notwithstanding this Amendment,
each Loan Document to which such Loan Party is a party shall continue in full force and effect in accordance with its terms, as it has been amended on the date hereof, and is and shall continue to be
applicable to all of the Obligations. </FONT></P>

<P><FONT SIZE=2>SECTION
7. </FONT><FONT SIZE=2><I>MISCELLANEOUS.</I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;7.1&nbsp;In
order to induce the Lenders to enter into this Amendment, each Borrower and each Guarantor, by its execution of a counterpart of this Amendment, reaffirms and
restates the </FONT></P>

<HR NOSHADE>

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<P><FONT SIZE=2>
representations and warranties set forth in Article&nbsp;IV of the Credit Agreement, as amended by this Amendment and after giving effect to the transactions contemplated herein, and all such
representations and warranties shall be true and correct in all material respects on and as of the date hereof (except insofar as such representations and warranties relate expressly to an earlier
date). To further induce the Lenders into this Amendment, each Borrower and each Guarantor, by its execution
of a counterpart of this Amendment, represents and warrants (which representations and warranties shall survive the execution and delivery hereof) to the Administrative Agent that: </FONT></P>

<UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;It
has the corporate power and authority to execute, deliver and carry out the terms and provisions of this Amendment and the transactions contemplated hereby and
has taken or caused to be taken all necessary corporate action to authorize the execution, delivery and performance of this Amendment and the transactions contemplated hereby; </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;No
consent of any other person (including, without limitation, shareholders or creditors of any Borrower or any Guarantor), and no action of, or filing with any
governmental or public body or authority is required to authorize, or is otherwise required in connection with the execution, delivery and performance of this Amendment; </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;This
Amendment has been duly executed and delivered on behalf of each Borrower and each Guarantor by a duly authorized officer, and constitutes a legal, valid and
binding obligation of each Borrower and each Guarantor enforceable in accordance with its terms, subject to bankruptcy, reorganization, insolvency, moratorium and other similar laws affecting the
enforcement of creditors' rights generally and the exercise of judicial discretion in accordance with general principles of equity; and </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;The
execution, delivery and performance of this Amendment will not violate any law, statute or regulation, or any order or decree of any court or governmental
instrumentality, or conflict with, or result in the breach of, or constitute a default under any contractual obligation of any Borrower or any Guarantor. </FONT></P>

</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;7.2&nbsp;Except,
as herein expressly amended, the Credit Agreement is ratified and confirmed in all respects and shall remain in full force and effect in accordance with its
terms, including, without limitation, the provisions set forth in Section&nbsp;11.04 of the Credit Agreement. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;7.3&nbsp;All
references to the Credit Agreement contained in the Credit Agreement and the other Loan Documents and the other documents and instruments delivered pursuant to
or in connection therewith shall mean the Credit Agreement, as amended hereby and as may in the future be amended, restated, supplemented or modified from time to time. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;7.4&nbsp;This
Amendment may be executed by the parties hereto individually or in combination, in one or more counterparts, each of which shall be an original and all of
which shall constitute one and the same agreement. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;7.5&nbsp;Delivery
of an executed counterpart of a signature page to this Amendment by telecopier shall be effective as delivery of a manually executed counterpart of this
Amendment. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;7.6&nbsp;</FONT><FONT
SIZE=2><B>THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO
CHOICE OR CONFLICT OF LAW PRINCIPLES THEREOF.</B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;7.7&nbsp;The
parties hereto shall, at any time and from time to time following the execution of this Amendment, execute and deliver all such further instruments and take all
such further actions as may be reasonably necessary or appropriate in order to carry out the provisions of this Amendment. </FONT></P>

<HR NOSHADE>
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<P><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;IN WITNESS WHEREOF, the Borrowers, Guarantors, the Administrative Agent, the Syndication Agent and the Required Lenders have caused this Amendment to be duly executed by their
respective authorized officers as of the day and year first above written. </FONT></P>

<!-- User-specified TAGGED TABLE -->
<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2>GENTLE DENTAL SERVICE CORPORATION, as a Borrower<BR>
By: /s/ MICHAEL T. FIORE</FONT><HR NOSHADE><FONT SIZE=2> Name: Michael T. Fiore<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
GENTLE DENTAL MANAGEMENT, INC., as a Borrower<BR>
By: /s/ MICHAEL T. FIORE</FONT><HR NOSHADE><FONT SIZE=2> Name: Michael T. Fiore<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
DENTAL CARE ALLIANCE, INC., as a Borrower<BR>
By: /s/ STEVEN R. MATZKIN</FONT><HR NOSHADE><FONT SIZE=2> Name: Steven R. Matzkin<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
GMS DENTAL GROUP MANAGEMENT OF HAWAII, INC., as a Guarantor<BR>
By: /s/ MICHAEL T. FIORE</FONT><HR NOSHADE><FONT SIZE=2> Name: Michael T. Fiore<BR>
Title: President</FONT></TD>
</TR>
</TABLE>
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<HR NOSHADE>
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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
GENTLE DENTAL OF IRVINE, as a Guarantor<BR>
By: /s/ MICHAEL T. FIORE</FONT><HR NOSHADE><FONT SIZE=2> Name: Michael T. Fiore<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
GDSC OF PIEDMONT, INC., as a Guarantor<BR>
By: /s/ MICHAEL T. FIORE</FONT><HR NOSHADE><FONT SIZE=2> Name: Michael T. Fiore<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
GENTLE DENTAL LEGACY, INC., as a Guarantor<BR>
By: /s/ MICHAEL T. FIORE</FONT><HR NOSHADE><FONT SIZE=2> Name: Michael T. Fiore<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
DENTAL CARE ALLIANCE OF FLORIDA, INC., as a Guarantor<BR>
By: /s/ STEVEN R. MATZKIN</FONT><HR NOSHADE><FONT SIZE=2> Name: Steven R. Matzkin<BR>
Title: President</FONT></TD>
</TR>
</TABLE>
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<HR NOSHADE>
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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
DENTAL CARE ALLIANCE OF MICHIGAN, Inc., as a Guarantor<BR>
By: /s/ STEVEN R. MATZKIN</FONT><HR NOSHADE><FONT SIZE=2> Name: Steven R. Matzkin<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
DENTAL CARE ALLIANCE OF GEORGIA, Inc., as a Guarantor<BR>
By: /s/ STEVEN R. MATZKIN</FONT><HR NOSHADE><FONT SIZE=2> Name: Steven R. Matzkin<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
DENTAL CARE ALLIANCE OF INDIANA, INC., as a Guarantor<BR>
By: /s/ STEVEN R. MATZKIN</FONT><HR NOSHADE><FONT SIZE=2> Name: Steven R. Matzkin<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
DENTAL ONE ASSOCIATES, INC., as a Guarantor<BR>
By: /s/ STEVEN R. MATZKIN</FONT><HR NOSHADE><FONT SIZE=2> Name: Steven R. Matzkin<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
DENTAL CARE ALLIANCE OF PENNSYLVANIA, Inc., as a Guarantor<BR>
By: /s/ STEVEN R. MATZKIN</FONT><HR NOSHADE><FONT SIZE=2> Name: Steven R. Matzkin<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
DENTALCO MANAGEMENT SERVICES OF MARYLAND, INC., as a Guarantor<BR>
By: /s/ MICHAEL T. FIORE</FONT><HR NOSHADE><FONT SIZE=2> Name: Michael T. Fiore<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
THE DENTAL CENTER, INC., as a Guarantor<BR>
By: /s/ MICHAEL T. FIORE</FONT><HR NOSHADE><FONT SIZE=2> Name: Michael T. Fiore<BR>
Title: President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
INTERDENT, INC., as a Guarantor<BR>
By: /s/ MICHAEL T. FIORE</FONT><HR NOSHADE><FONT SIZE=2> Name: Michael T. Fiore<BR>
Title: President</FONT></TD>
</TR>
</TABLE>
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<HR NOSHADE>
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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
Lenders:</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
UNION BANK OF CALIFORNIA, N.A., as Administrative Agent and Lender<BR>
By: /s/ NANCY A. PERKINS</FONT><HR NOSHADE><FONT SIZE=2> Name: Nancy A. Perkins<BR>
Title: Vice President</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
THE CHASE MANHATTAN BANK, as Syndication Agent and as a Lender<BR>
By: /s/ ERIC GROBERG</FONT><HR NOSHADE><FONT SIZE=2>Name: Eric Groberg</FONT><HR NOSHADE><FONT SIZE=2>Title: Vice President</FONT><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
U.S. BANK NATIONAL ASSOCIATION, as Lender<BR>
By: /s/ DANIEL J. FALSTAD</FONT><HR NOSHADE><FONT SIZE=2>Name: Daniel J. Falstad</FONT><HR NOSHADE><FONT SIZE=2>Title: Vice President</FONT><HR NOSHADE></TD>
</TR>
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<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
FLEET CAPITAL CORPORATION, as a Lender<BR>
By: /s/ LESLIE REUTER</FONT><HR NOSHADE><FONT SIZE=2>Name: Leslie Reuter</FONT><HR NOSHADE><FONT SIZE=2>Title: Sr. Vice President</FONT><HR NOSHADE></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
BANK OF AMERICA, N.A. (successor by merger to NationsBank, N.A.), as a Lender<BR>
By: /s/ RONALD J. PARISI</FONT><HR NOSHADE><FONT SIZE=2>Name: Ronald J. Parisi</FONT><HR NOSHADE><FONT SIZE=2>Title:</FONT><HR NOSHADE></TD>
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<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
FIRST NATIONAL BANK, as a Lender<BR>
By: /s/ DANIEL T. GRENCY</FONT><HR NOSHADE><FONT SIZE=2>Name: Daniel T. Grency</FONT><HR NOSHADE><FONT SIZE=2>Title: CEO</FONT><HR NOSHADE></TD>
</TR>
</TABLE>
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&nbsp;</FONT></TD>
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CITIZENS BANK OF MASSACHUSETTS, as a Lender<BR>
By: /s/ LAWRENCE E. JACOBS</FONT><HR NOSHADE><FONT SIZE=2>Name: Lawrence E. Jacobs</FONT><HR NOSHADE><FONT SIZE=2>Title:</FONT><HR NOSHADE></TD>
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&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
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SOVEREIGN BANK, as a Lender<BR>
By: /s/ ROLAND D. LAMOTHE</FONT><HR NOSHADE><FONT SIZE=2>Name: Roland D. Lamothe</FONT><HR NOSHADE><FONT SIZE=2>Title: Vice President</FONT><HR NOSHADE></TD>
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<P ALIGN="RIGHT"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;Exhibit&nbsp;A </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><I>Transferred Dental Practices<BR>
(DCA Dental Practices)  </I></FONT></P>

<P><FONT SIZE=2>(See Attached) </FONT></P>

<HR NOSHADE>
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<P ALIGN="RIGHT"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;Exhibit&nbsp;B </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><I>Transferred Dental Practices<BR>
(DentalCo Dental Practices)  </I></FONT></P>

<P><FONT SIZE=2>Mid-Atlantic Dental Associates, P.A. (Maryland practices)<BR>
Baltimore-East Point<BR>
Belair Beltway<BR>
Tollgate<BR>
Columbia<BR>
Forestville<BR>
Frederick<BR>
Pikesville<BR>
Plumtree<BR></FONT></P>


<P><FONT SIZE=2>Ned
Greenberg D.D.S. and Associates, P.C. (Virginia practices)<BR>
Fredericksburg<BR>
Manassas<BR>
Woodbridge<BR></FONT></P>

<P><FONT SIZE=2>The
Dental Center, P.C. (Indiana practices)<BR>
South Bend<BR>
Granger<BR>
Plymouth<BR>
Satellite Offices<BR>
LaPorte, Indiana<BR>
Warsaw, Indiana<BR></FONT></P>

<P><FONT SIZE=2>Niles,
Michigan (Douglas H. Barton, D.D.S.&nbsp;&amp; Associates, P.C.)<BR></FONT></P>

<HR NOSHADE>
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<P ALIGN="RIGHT"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;Exhibit&nbsp;B </FONT></P>

<P><FONT SIZE=2><I>Management Notes</I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;The
Promissory Note dated June&nbsp;15, 2000 between Gentle Dental Service Corporation and Steven R. Matzkin in the principal amount of $5,000,000 (the </FONT> <FONT SIZE=2><I>"Matzkin Note"</I></FONT><FONT SIZE=2>). That certain Pledge and Security
Agreement referenced in the Matzkin Note. 830,237 shares of InterDent,&nbsp;Inc. common stock held
as collateral under the Pledge and Security Agreement referenced in the Matzkin Note. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;The
Promissory Note dated June&nbsp;19, 2000 between Gentle Dental Service Corporation and Mitchell B. Olan (the </FONT><FONT SIZE=2><I>"Olan
Note"</I></FONT><FONT SIZE=2>). The Pledge and Security Agreement referenced in the Olan Note. 115,000 shares of InterDent,&nbsp;Inc. common stock held as collateral under the Pledge and Security
Agreement referenced in the Olan Note. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;&nbsp;The
Promissory Note dated on or about June&nbsp;20, 2000 between Gentle Dental Service Corporation and Dennis A. Corona (the </FONT><FONT SIZE=2><I>"Corona
Note"</I></FONT><FONT SIZE=2>). The Pledge and Security Agreement referenced in the Corona Note. 100,000 shares of InterDent,&nbsp;Inc. common stock held as collateral under the Pledge and Security
Agreement referenced in the Corona Note. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;4.&nbsp;&nbsp;The
Promissory Note dated June&nbsp;19, 2000 between Gentle Dental Service Corporation and David P. Nichols (the </FONT><FONT SIZE=2><I>"Nichols
Note"</I></FONT><FONT SIZE=2>). The Pledge and Security Agreement referenced in the Nichols Note. 43,000 shares of InterDent,&nbsp;Inc. common stock held as collateral under the Pledge and Security
Agreement referenced in the Nichols Note. </FONT></P>

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<P ALIGN="RIGHT"><FONT SIZE=2>
&nbsp;&nbsp;&nbsp;&nbsp;Schedule&nbsp;4.05 </FONT></P>


<P><FONT SIZE=2><I>Material Adverse Change</I></FONT></P>

<P><FONT SIZE=2>DCA
Disposition (as that term is defined in Amendment Agreement No.&nbsp;7 and Consent) </FONT></P>

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<P><br><A NAME="01WLA1659_5">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_lk1659_1">AMENDMENT AGREEMENT NO. 7 AND CONSENT</A></FONT><BR>
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