Preview | Credit Agreement |

SECTION 1	DEFINITIONS			1
	1.1	Definitions		1
	1.2	Other Interpretive Provisions		15
SECTION 2	COMMITMENTS OF THE LENDERS; BORROWING AND CONVERSION PROCEDURES			16
	2.1	Commitments		16
	2.2	Loan Procedures		16
		2.2.1	Various Types of Loans	16
		2.2.2	Borrowing Procedures	16
		2.2.3	Conversion and Continuation Procedures	17
	2.3	Reliance on Notices		18
	2.4	Commitments Several		18
	2.5	Certain Conditions		18
SECTION 3	EVIDENCING OF LOANS			18
	3.1	Notes		18
	3.2	Recordkeeping		18
SECTION 4	INTEREST			18
	4.1	Interest Rates		18
	4.2	Interest Payment Dates		19
	4.3	Setting and Notice of LIBOR Rates		19
	4.4	Computation of Interest		19
SECTION 5	FEES			19
SECTION 6	PREPAYMENTS			19
	6.1	Prepayments		19
		6.1.1	Voluntary Prepayments	19
		6.1.2	Mandatory Prepayments	19
	6.2	Manner of Prepayments		20
	6.3	Repayments		20
SECTION 7	MAKING AND PRORATION OF PAYMENTS; SETOFF; TAXES			20
	7.1	Making of Payments		20
	7.2	Application of Certain Payments		21
	7.3	Due Date Extension		21
	7.4	Setoff		21
	7.5	Proration of Payments		21
	7.6	Taxes		22
SECTION 8	INCREASED COSTS; SPECIAL PROVISIONS FOR LIBOR LOANS			24
	8.1	Increased Costs		24
	8.2	Basis for Determining Interest Rate Inadequate or Unfair		25
	8.3	Changes in Law Rendering LIBOR Loans Unlawful		25
	8.4	Funding Losses		25
	8.5	Right of Lenders to Fund through Other Offices		26
	8.6	Discretion of Lenders as to Manner of Funding		26
	8.7	Mitigation of Circumstances; Replacement of Lenders		26
	8.8	Conclusiveness of Statements; Survival of Provisions		27

SECTION 9	GUARANTEES			27
	9.1	Guarantee		27
	9.2	Fraudulent Transfer		27
	9.3	Release of Subrogation, Reimbursement, Contribution, Etc.		28
	9.4	Application of Payments		28
	9.5	Continuing Guaranty		28
	9.6	No modification		29
	9.7	Immediate recourse		29
	9.8	Waivers		29
	9.9	Set-off		30
	9.10	Repayment Claim		30
	9.11	Prior Right		31
	9.12	No Release or Discharge		31
	9.13	Independent Obligation		31
	9.14	Information		31
SECTION 10	REPRESENTATIONS AND WARRANTIES			31
	10.1	Organization		31
	10.2	Authorization; No Conflict		32
	10.3	Validity and Binding Nature		32
	10.4	Financial Condition		32
	10.5	No Material Adverse Change		33
	10.6	Litigation and Contingent Liabilities		33
	10.7	Properties; Liens		33
	10.8	Equity Ownership; Subsidiaries		33
	10.9	Pension Plans		33
	10.10	Investment Company Act		34
	10.11	Public Utility Holding Company Act		34
	10.12	Regulations T, U and X		34
	10.13	Taxes		34
	10.14	Solvency, etc.		35
	10.15	Environmental Matters		35
	10.16	Insurance		36
	10.17	Information		36
	10.18	Intellectual Property		36
	10.19	Burdensome Obligations		36
	10.20	Labor Matters		36
	10.21	No Default		37
	10.22	Related Agreements, etc.		37
	10.23	Other Debt		37
	10.24	Accounting		38
	10.25	Dormant Subsidiary		38
	10.26	CASS Reserve		38
	10.27	Times for Making Representations and Warranties		38
SECTION 11	AFFIRMATIVE COVENANTS			38
	11.1	Reports, Certificates and Other Information		38
		11.1.1	Annual Report	38
		11.1.2	Interim Reports	39

		11.1.3	Compliance Certificates	39
		11.1.4	Reports to the SEC and to Shareholders	39
		11.1.5	Notice of Default, Litigation; Erisa Matters and Intercompany Debt	39
		11.1.6	Management Reports	40
		11.1.7	Subordinated Debt and Related Transactions Notices	40
		11.1.8	Other Information	40
	11.2	Books, Records and Inspections		40
	11.3	Maintenance of Property; Insurance		41
	11.4	Compliance With Laws; Payment of Taxes and Liabilities and Cass Obligations		41
	11.5	Maintenance of Existence, etc.		42
	11.6	Use of Proceeds		42
	11.7	Employee Benefit Plans		42
	11.8	Environmental Matters		43
	11.9	Further Assurances; Equity Information		43
	11.10	Additional Collateral, New Subsidiaries		43
	11.11	Post-closing Matters		44
SECTION 12	NEGATIVE COVENANTS			45
	12.1	Debt		45
	12.2	Liens		46
	12.3	Operating Leases		47
	12.4	Restricted Payments		47
	12.5	Mergers, Consolidations, Sales		48
	12.6	Modification of Organizational Documents		48
	12.7	Transactions with Affiliates		48
	12.8	Unconditional Purchase Obligations		48
	12.9	Inconsistent Agreements		48
	12.10	Business Activities; Issuance of Equity		49
	12.11	Investments		49
	12.12	Restriction of Amendments to Certain Documents		50
	12.13	Fiscal Year		50
	12.14	Financial Covenants		50
		12.14.1	Net Worth	50
		12.14.2	Interest Coverage Ratio	50
		12.14.3	Total Debt to EBITDA Ratio	50
	12.15	Cancellation of Debt		50
	12.16	Creation of Subsidiaries		50
	12.17	Guarantees		50
	12.18	Asset Dispositions		51
	12.19	Double Negative Pledge		51
SECTION 13	EFFECTIVENESS; CONDITIONS OF LENDING, ETC.			51
	13.1	Initial Credit Extension		51
		13.1.1	Notes	51
		13.1.2	Authorization Documents	51
		13.1.3	Consents, etc.	52
		13.1.4	Letter of Direction	52

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13.1.5	Loan Documents	52
13.1.6	Opinions of Counsel	53
13.1.7	Insurance	53
13.1.8	Copies of Documents	53
13.1.9	Payment of Fees	53
13.1.10	Solvency Certificate	53
13.1.11	Projections	53
13.1.12	Environmental Reports	53
13.1.13	Search Results; Lien Terminations	53
13.1.14	Filings, Registrations and Recordings	54
13.1.15	Closing Certificate, Consents and Permits	54
13.1.16	Financial Statements	54
13.1.17	Private Placement; Revolving Credit Facility	54
13.1.18	Material Adverse Change