Preview | Credit Agreement |

TABLE OF CONTENTS


	Page
SECTION 1. DEFINITIONS; INTERPRETATION		1
Section 1.1 Definitions		1
Section 1.2 Interpretation		8

SECTION 2. THE REVOLVING CREDIT		8
Section 2.1 The Loan Commitment		8
Section 2.2 Letters of Credit		9
Section 2.3 Applicable Interest Rates		11
Section 2.4 Minimum Borrowing Amounts		13
Section 2.5 Manner of Borrowing Loans and Designating Interest Rates Applicable to Loans		13
Section 2.6 Interest Periods		15
Section 2.7 Maturity of Loans		16
Section 2.8 Prepayments		16
Section 2.9 Default Rate		17
Section 2.10 Evidence of Debt		17
Section 2.11 Funding Indemnity		18
Section 2.12 Revolving Credit Commitment Terminations		18
Section 2.13 Regulation D Compensation		19
Section 2.14 Arbitrage Compensation		19

SECTION 3. FEES		19
Section 3.1 Fees		19
Section 3.2 Replacement of Banks		21

SECTION 4. PLACE AND APPLICATION OF PAYMENTS		21
Section 4.1 Place and Application of Payments		21

SECTION 5. REPRESENTATIONS AND WARRANTIES		22
Section 5.1 Corporate Organization and Authority		22
Section 5.2 Corporate Authority and Validity of Obligations		22
Section 5.3 Financial Statements		22
Section 5.4 Approvals		22
Section 5.5 ERISA		23
Section 5.6 Government Regulation		23
Section 5.7 Margin Stock; Proceeds		23
Section 5.8 Full Disclosure		23

SECTION 6. CONDITIONS PRECEDENT		23
Section 6.1 Initial Credit Event		23
Section 6.2 All Credit Events		24

SECTION 7. COVENANTS		25


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Section 7.1 Corporate Existence		25
Section 7.2 ERISA		25
Section 7.3 Financial Reports and Other Information		25
Section 7.4 Regulation U; Proceeds		26
Section 7.5 Sales of Assets		27
Section 7.6 Capital Ratio		27
Section 7.7 Compliance with Laws		27

SECTION 8. EVENTS OF DEFAULT AND REMEDIES		27
Section 8.1 Events of Default		27
Section 8.2 Non-Bankruptcy Defaults		29
Section 8.3 Bankruptcy Defaults		29
Section 8.4 Expenses		29

SECTION 9. CHANGE IN CIRCUMSTANCES		29
Section 9.1 Change of Law		29
Section 9.2 Unavailability of Deposits or Inability to Ascertain, or Inadequacy of, LIBOR		29
Section 9.3 Increased Cost and Reduced Return		30
Section 9.4 Lending Offices		32
Section 9.5 Discretion of Bank as to Manner of Funding		32

SECTION 10. THE ADMINISTRATIVE AGENT		32
Section 10.1 Appointment and Authorization of Administrative Agent		32
Section 10.2 Administrative Agent and its Affiliates		32
Section 10.3 Action by Administrative Agent		32
Section 10.4 Consultation with Experts		33
Section 10.5 Liability of Administrative Agent; Credit Decision		33
Section 10.6 Indemnity		34
Section 10.7 Resignation of Administrative Agent and Successor Administrative Agent		34

SECTION 11. MISCELLANEOUS		34
Section 11.1 Withholding Taxes		34
Section 11.2 No Waiver of Rights		35
Section 11.3 Non-Business Day		36
Section 11.4 Documentary Taxes		36
Section 11.5 Survival of Representations		36
Section 11.6 Survival of Indemnities		36
Section 11.7 Set-Off		36
Section 11.8 Notices		37
Section 11.9 Counterparts		38
Section 11.10 Successors and Assigns		38
Section 11.11 [Intentionally Omitted]		38
Section 11.12 Assignments, Participations, Etc		38
Section 11.13 Amendments		41
Section 11.14 Headings.

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