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ARTICLE I

Definitions

1

SECTION 1.01.

Defined Terms

1

SECTION 1.02.

Terms Generally

21

SECTION 1.03.

Classification of Loans

21

SECTION 1.04.

Rounding

21

SECTION 1.05.

References to Agreements and Laws

21

SECTION 1.06.

Times of Day

22

SECTION 1.07.

Timing of Payment or Performance

22

ARTICLE II

The Credits

22

SECTION 2.01.

Commitments

22

SECTION 2.02.

Loans

22

SECTION 2.03.

Borrowing Procedure

22

SECTION 2.04.

Evidence of Debt; Repayment of Loans

23

SECTION 2.05.

Fees

24

SECTION 2.06.

Interest on Loans

24

SECTION 2.07.

Default Interest

24

SECTION 2.08.

Alternate Rate of Interest

24

SECTION 2.09.

Repayment

25

SECTION 2.10.

Conversion and Continuation of Borrowings

25

SECTION 2.11.

Termination of Commitments

26

SECTION 2.12.

Optional Prepayment

26

SECTION 2.13.

Mandatory Prepayments

26

SECTION 2.14.

Reserve Requirements; Change in Circumstances

27

SECTION 2.15.

Change in Legality

28

SECTION 2.16.

Indemnity

29

SECTION 2.17.

Pro Rata Treatment

29

SECTION 2.18.

Sharing of Setoffs

29

SECTION 2.19.

Payments

30

SECTION 2.20.

Taxes

30

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SECTION 2.21.

Assignment of Commitments Under Certain Circumstances; Duty to Mitigate

33

ARTICLE III

Representations and Warranties

34

SECTION 3.01.

Organization; Powers

34

SECTION 3.02.

Authorization

34

SECTION 3.03.

Enforceability

34

SECTION 3.04.

Governmental Approvals

35

SECTION 3.05.

Financial Statements

35

SECTION 3.06.

No Material Adverse Change

35

SECTION 3.07.

Title to Properties; Possession Under Leases

35

SECTION 3.08.

Subsidiaries

36

SECTION 3.09.

Litigation; Compliance with Laws

36

SECTION 3.10.

Agreements

36

SECTION 3.11.

Federal Reserve Regulations

36

SECTION 3.12.

Investment Company Act

37

SECTION 3.13.

Tax Returns

37

SECTION 3.14.

No Material Misstatements

37

SECTION 3.15.

Employee Benefit Plans

37

SECTION 3.16.

Environmental Matters

37

SECTION 3.17.

Location of Real Property and Leased Premises

38

SECTION 3.18.

Labor Matters

38

SECTION 3.19.

Solvency

39

ARTICLE IV

Conditions of Lending

39

ARTICLE V

Affirmative Covenants

41

SECTION 5.01.

Existence; Compliance with Laws and Contractual Obligations; Businesses and Properties

42

SECTION 5.02.

Insurance

42

SECTION 5.03.

Taxes

42

SECTION 5.04.

Financial Statements, Reports, etc

42

SECTION 5.05.

Litigation and Other Notices

44

Page

SECTION 5.06.

Maintaining Records; Access to Properties and Inspections; Maintenance of Ratings

45

SECTION 5.07.

Additional Guarantors

45

SECTION 5.08.

Use of Proceeds

45

ARTICLE VI

Negative Covenants

45

SECTION 6.01.

Indebtedness

45

SECTION 6.02.

Liens

47

SECTION 6.03.

Sale and Lease-Back Transactions

49

SECTION 6.04.

Investments, Loans and Advances

49

SECTION 6.05.

Mergers, Consolidations, and Sales of Assets

49

SECTION 6.06.

Restricted Payments; Restrictive Agreements

50

SECTION 6.07.

Transactions with Affiliates

51

SECTION 6.08.

Change in Nature of Business

52

SECTION 6.09.

Other Indebtedness and Agreements

52

SECTION 6.10.

Subsidiaries

52

SECTION 6.11.

Partnership, etc

52

SECTION 6.12.

Accounting Changes; Fiscal Year

52

SECTION 6.13.

Capital Expenditures

53

SECTION 6.14.

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