FIRST AMENDMENT TO LOAN AGREEMENT
July 11, 2003
U.S. Home Systems, Inc.
750 State Highway
121 Bypass, Suite 170
Lewisville, Texas 75067
Re: Loan Agreement dated as of May 30, 2003 (as heretofore amended, the "Loan Agreement") between U.S.
Home Systems, Inc., a Delaware corporation ("Borrower") and The Frost National Bank, a national banking
Ladies and Gentlemen:
In consideration of the mutual covenants and agreements contained herein and in the Loan Agreement and for
other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Lender
and Borrower hereby agree as follows:
1. Definitions. The reference to "seven (7) days" in the proviso clause in the definition of "Eligible Installment
Contract" in Section 2 of the Loan Agreement is hereby amended to read "seven (7) business days."
2. Requesting Advances. The reference to "seven (7) days" in the last sentence of Section 4(b) of the Loan
Agreement is hereby amended to read "seven
(7) business days."
3. Conditions Precedent. This Agreement shall become effective as of the date first above written when, and only
when, Lender shall have received at Lender's offices a counterpart of this Agreement executed and delivered by
Borrower and the Consent and Agreement executed and delivered by each of the Guarantors.
4. Ratification. The Loan Agreement as hereby amended is hereby ratified and confirmed in all respects and the
Loan Agreement, as amended by this Agreement, shall continue in full force and effect in accordance with the
terms hereof and thereof. Any reference to the Loan Agreement in any Loan Document shall be deemed to refer
to this Agreement also. The execution, delivery and effectiveness of this Agreement shall not, except as expressly
provided herein, operate as a waiver of any right, power or remedy of Lender under the Loan Agreement or any
other Loan Document nor constitute a waiver of any provision of the Loan Agreement or any other Loan