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TABLE OF CONTENTS


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ARTICLE I

Definitions; Construction; Incorporation by Reference

SECTION 1.01. Defined Terms		1
SECTION 1.02. Terms Generally		39
SECTION 1.03. Incorporation by Reference		39

ARTICLE II

The Credits

SECTION 2.01. Commitments and Loans		40
SECTION 2.02. Loans		40
SECTION 2.03. Borrowing Procedure		41
SECTION 2.04. Evidence of Debt; Repayment of Loans		41
SECTION 2.05. Fees		42
SECTION 2.06. Interest on Loans		42
SECTION 2.07. Default Interest		43
SECTION 2.08. Alternate Rate of Interest		43
SECTION 2.09. Termination of Commitments		43
SECTION 2.10. Conversion and Continuation of Borrowings		44
SECTION 2.11. Repayment of Borrowings		45
SECTION 2.12. Optional Prepayments		47
SECTION 2.13. Mandatory Prepayments.		47
SECTION 2.14. Reserve Requirements; Change in Circumstances		49
SECTION 2.15. Change in Legality		50
SECTION 2.16. Indemnity		50
SECTION 2.17. Pro rata Treatment		51
SECTION 2.18. Sharing of Setoffs		51
SECTION 2.19. Payments		52
SECTION 2.20. Taxes		52
SECTION 2.21. Assignment of Commitments Under Certain Circumstances; Duty to Mitigate		54
SECTION 2.22. Change of Control		55
SECTION 2.23. Incremental Loans		55


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ARTICLE III

Representations and Warranties

SECTION 3.01. Organization; Powers		57
SECTION 3.02. Authorization		58
SECTION 3.03. Enforceability		58
SECTION 3.04. Governmental Approvals		58
SECTION 3.05. Financial Statements		58
SECTION 3.06. No Material Adverse Change		59
SECTION 3.07. Title to Properties; Possession Under Leases.		59
SECTION 3.08. Subsidiaries		60
SECTION 3.09. Litigation; Compliance with Laws		60
SECTION 3.10. Agreements		60
SECTION 3.11. Federal Reserve Regulations		61
SECTION 3.12. Investment Company Act		61
SECTION 3.13. Use of Proceeds		61
SECTION 3.14. Tax Returns		61
SECTION 3.15. No Material Misstatements		61
SECTION 3.16. Employee Benefit Plans		61
SECTION 3.17. Environmental Matters		62
SECTION 3.18. Insurance		62
SECTION 3.19. Security Documents		62
SECTION 3.20. Location of Real Property		63
SECTION 3.21. Labor Matters		63
SECTION 3.22. Solvency		63
SECTION 3.23. Senior Indebtedness		63

ARTICLE IV

Conditions of Lending

SECTION 4.01. Conditions of Lending		64

ARTICLE V

Affirmative Covenants

SECTION 5.01. Existence; Businesses and Properties		67
SECTION 5.02. Insurance		68
SECTION 5.03. Obligations and Taxes		69
SECTION 5.04. Financial Statements, Reports, etc		69
SECTION 5.05. Litigation and Other Notices		71
SECTION 5.06. Maintaining Records; Access to Properties and Inspections; Maintenance of Ratings		72


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SECTION 5.07. Use of Proceeds		72
SECTION 5.08. Senior Indebtedness Designation		72
SECTION 5.09. Collateral		72
SECTION 5.10. Mortgaged Property Casualty and Condemnation		73

ARTICLE VI

Negative Covenants

SECTION 6.01. Limitation on Indebtedness		77
SECTION 6.02. Limitation on Restricted Payments		80
SECTION 6.03. Limitation on Restrictions on Distributions from Restricted Subsidiaries		82
SECTION 6.04. Merger and Consolidation		83
SECTION 6.05. Limitation on Sales of Assets and Subsidiary Stock		85
SECTION 6.06. Limitation on Affiliate Transactions		85
SECTION 6.07. Limitation on Line of Business		86
SECTION 6.08. Limitation on Liens		87
SECTION 6.09. Limitation on Sale/Leaseback Transactions

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