Abstract: An exercise apparatus includes a plurality of inelastic, retractable cords, each terminating at a handgrip. A retracting mechanism is provided for retracting the cords. Separate resistance mechanisms are provided to resist each of the cords as the cords are being withdrawn from the retracting mechanism. The resistance mechanisms operate independently of one another. At least one removable disk unit is connectible to the resistance mechanism of the exercise apparatus for incrementally increasing resistance force with respect to unwinding movement of the cords when operably connected to the resistance mechanism. The removable disk units can be preloaded with a predetermined biasing resistance force when assembled during manufacturing, and the biasing resistance force can be maintained while not connected to the main unit of the exercise apparatus.