Common use of Organization; Powers Clause in Contracts

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS79 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability..................... 79 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.............. 79 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change.................................. 80 SECTION 3.05. Properties........................................ 80 SECTION 3.06. Litigation and Environmental Matters......................................... 81 SECTION 3.07. Compliance with Laws and Agreements............... 81 SECTION 3.08. Investment and Holding Company Status.......................................... 82 SECTION 3.09. Taxes............................................. 82 SECTION 3.10. ERISA............................................. 82 SECTION 3.11. Disclosure........................................ 82 SECTION 3.12.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS63 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability......................................................... 64 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.................................................. 64 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change....................................... 64 SECTION 3.05. Properties............................................................................ 65 SECTION 3.06. Litigation and Environmental Matters.................................................. 65 SECTION 3.07. Compliance with Laws and Agreements................................................... 66 SECTION 3.08. Investment and Holding Company Status................................................. 66 SECTION 3.09. Taxes................................................................................. 66 SECTION 3.10. ERISA; Margin Regulations............................................................. 66 SECTION 3.11. Disclosure............................................................................ 67 SECTION 3.12. Subsidiaries.......................................................................... 67 Contents, p.3 SECTION 3.13. Insurance............................................................................. 67 SECTION 3.14. Labor Matters......................................................................... 67 SECTION 3.15. Solvency.............................................................................. 68

Organization; Powers. 43 Section 3.02 40 SECTION 3.02. AUTHORIZATION............................................................................43 Section 3.03 ; ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND ..................................................................40 SECTION 3.03. GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO CONFLICTS...........................................................41 SECTION 3.04. FINANCIAL CONDITION; NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO ................................................41 SECTION 3.05. PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; .....................................................................................41 SECTION 3.06. LITIGATION AND ENVIRONMENTAL MATTERS...........................................................42 SECTION 3.07. COMPLIANCE WITH LAWS.........................................................46 Section 3.10 LAWS AND AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47............................................................42 SECTION 3.08. INVESTMENT AND HOLDING COMPANY STATUS..........................................................42 SECTION 3.09. TAXES..........................................................................................42 SECTION 3.10. ERISA..........................................................................................43 SECTION 3.11. DISCLOSURE.....................................................................................43 SECTION 3.12. SUBSIDIARIES...................................................................................43

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS61 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability ......................... 61 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts .................. 62 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change....... 62 SECTION 3.05. Properties ............................................ 63 SECTION 3.06. Litigation and Environmental Matters................... 64 SECTION 3.07. Compliance with Laws and Agreements ................... 64 SECTION 3.08. Investment and Holding Company Status ................. 65 SECTION 3.09. Taxes ................................................. 65 SECTION 3.10. ERISA ................................................. 65 SECTION 3.11. Disclosure ............................................ 65 SECTION 3.12. Subsidiaries .......................................... 66 SECTION 3.13. Insurance ............................................. 66 SECTION 3.14. Labor Matters ......................................... 66 SECTION 3.15. Solvency .............................................. 67 SECTION 3.16.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS67 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability.................................... 67 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts............................. 68 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change.................. 68 SECTION 3.05. Properties....................................................... 69 SECTION 3.06. Litigation and Environmental Matters............................. 69 SECTION 3.07. Compliance with Laws and Agreements.............................. 69 SECTION 3.08. Investment and Holding Company Status............................ 70 SECTION 3.09. Taxes............................................................ 70 SECTION 3.10. ERISA; Margin Regulations........................................ 70 SECTION 3.11. Disclosure....................................................... 70 SECTION 3.12. Subsidiaries..................................................... 71 Contents, p.3 SECTION 3.13. Insurance........................................................ 71 SECTION 3.14. Labor Matters.................................................... 71 SECTION 3.15. Solvency......................................................... 71

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS51 SECTION 5.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability............................... 51 SECTION 5.03. Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts..................................... 51 SECTION 5.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change............. 51 SECTION 5.05. Properties.................................................. 52 SECTION 5.06. Litigation and Environmental Matters........................ 53 SECTION 5.07. Compliance with Laws and Agreements......................... 53 SECTION 5.08. Investment and Holding Company Status....................... 53 SECTION 5.09. Taxes....................................................... 53 SECTION 5.10. ERISA....................................................... 53 SECTION 5.11. Disclosure.................................................. 54 SECTION 5.12. Federal Regulations......................................... 54 SECTION 5.13. The Security Documents...................................... 54 SECTION 5.14. Pledged Stock............................................... 55 SECTION 5.15.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS69 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIESEnforceability....................69 SECTION 3.03. Governmental Approvals; No Conflicts.............69 SECTION 3.04. Financial Condition; No Material Adverse Change.................................70 SECTION 3.05. Properties.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4771 SECTION 3.06. Litigation and Environmental Matters.............72 SECTION 3.07. Compliance with Laws and Agreements .............72 SECTION 3.08. Investment and Holding Company Status ...........73 SECTION 3.09. Taxes............................................73 SECTION 3.10. ERISA............................................73 SECTION 3.11. Disclosure.......................................73 SECTION 3.12. Restricted Subsidiaries..........................74 SECTION 3.13. Absence of Non-Permitted Obligations.............75 SECTION 3.14. Licenses.........................................75 SECTION 3.15. Insurance........................................75 SECTION 3.16. Labor Matters....................................76 SECTION 3.17. Solvency.........................................76 SECTION 3.18. Use of Proceeds..................................77 SECTION 3.19.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS31 SECTION 3.02. Authorization .............................................. 32 SECTION 3.03. Enforceability ............................................. 32 SECTION 3.04. Governmental Approvals ..................................... 32 SECTION 3.05. Financial Statements ....................................... 32 SECTION 3.06. No Material Adverse Change ................................. 32 SECTION 3.07. Title to Properties; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESPossession Under Leases ............... 32 SECTION 3.08. Subsidiaries ............................................... 33 SECTION 3.09. Litigation; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONCompliance with Laws ........................... 33 SECTION 3.10. Agreements ................................................. 33 SECTION 3.11. Federal Reserve Regulations ................................ 33 SECTION 3.12. Investment Company Act; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Public Utility Holding Company Act ............................................ 33 SECTION 3.13. Use of Proceeds ............................................ 34 SECTION 3.14. Tax Returns ................................................ 34 SECTION 3.15. No Material Misstatements .................................. 34 SECTION 3.16.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS30 SECTION 3.02. Authorization.........................................31 SECTION 3.03. Enforceability........................................31 SECTION 3.04. Governmental Approvals................................31 SECTION 3.05. Financial Statements..................................31 SECTION 3.06. Litigation; UNDISCLOSED LIABILITIESCompliance with Laws......................31 SECTION 3.07. Federal Reserve Regulations...........................32 SECTION 3.08. Investment Company Act; Public Utility Holding Company Act...................................32 SECTION 3.09. Use of Proceeds.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES32 SECTION 3.10. No Material Misstatements.............................32 ARTICLE IV Conditions of Effectiveness and of Lending SECTION 4.01. All Borrowings........................................32 SECTION 4.02. Closing Date..........................................33 ARTICLE V Covenants SECTION 5.01. Existence.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4733 SECTION 5.02. Financial Statements, Reports, Etc....................33

Organization; Powers. 43 101 Section 3.02 AUTHORIZATION............................................................................43 Authorization; Enforceability ....................................................................................... 102 Section 3.03 ENFORCEABILITY...........................................................................44 Governmental Approvals; No Conflicts ....................................................................... 102 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Financial Condition; No Material Adverse Effect ....................................................... 102 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Properties ...................................................................................................................... 103 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Litigation and Environmental Matters ......................................................................... 103 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Compliance with Laws and Agreements ...................................................................... 104 Section 3.08 OWNERSHIP................................................................................45 Investment Company Status ......................................................................................... 104 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Taxes ............................................................................................................................ 104 Section 3.10 AGREEMENTS...............................................................................47 ERISA; Labor Matters ................................................................................................. 104 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Disclosure ..................................................................................................................... 105 Section 3.12 Subsidiaries .................................................................................................................. 106 Section 3.13 Intellectual Property; Licenses, Etc. ............................................................................. 106 Section 3.14 Solvency ....................................................................................................................... 106 Section 3.15 Senior Indebtedness...................................................................................................... 107 Section 3.16 Federal Reserve Regulations ........................................................................................ 107 Section 3.17 Use of Proceeds ............................................................................................................ 107 Section 3.18 Sanctions ...................................................................................................................... 107 Section 3.19

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS41- SECTION 7.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability...................................................................-41- SECTION 7.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts............................................................-42- SECTION 7.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTSNo Material Adverse Change.................................................-42- SECTION 7.05. Properties......................................................................................-42- iii 4 SECTION 7.06. Litigation and Environmental Matters............................................................-43- SECTION 7.07. Compliance with Laws and Agreements.............................................................-43- SECTION 7.08. Investment and Holding Company Status...........................................................-43- SECTION 7.09. Taxes. .........................................................................................-43- SECTION 7.10. ERISA...........................................................................................-43- SECTION 7.11. Disclosure......................................................................................-44- SECTION 7.12. Security Interest...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47-44- SECTION 7.13. Use of Proceeds.................................................................................-44- SECTION 7.14. Subsidiaries....................................................................................-44- SECTION 7.15. Solvency........................................................................................-44- SECTION 7.16. Permits, Etc....................................................................................-45- ARTICLE VIII

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS36 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability..................................36 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts...........................36 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change................37 SECTION 3.05. Properties.....................................................37 SECTION 3.06. Litigation and Environmental Matters...........................37 SECTION 3.07. Compliance with Laws; Absence of Default.......................38 SECTION 3.08. Investment and Holding Company Status..........................38 SECTION 3.09. Taxes..........................................................38 SECTION 3.10. ERISA..........................................................38 SECTION 3.11. Disclosure.....................................................38 SECTION 3.12. Subsidiaries...................................................39 SECTION 3.13. Solvency.......................................................39 ARTICLE IV Conditions

Organization; Powers. 43 38 Section 3.02 AUTHORIZATION............................................................................43 Authorization; Enforceability...................................... 38 Section 3.03 ENFORCEABILITY...........................................................................44 Governmental Approvals; No Conflicts............................... 38 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Financial Condition; No Material Adverse Change.................... 38 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Properties......................................................... 39 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Litigation and Environmental Matters............................... 39 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Compliance with Laws and Agreements................................ 39 Section 3.08 OWNERSHIP................................................................................45 Investment and Holding Company Status.............................. 40 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Taxes.............................................................. 40 Section 3.10 AGREEMENTS...............................................................................47 ERISA.............................................................. 40 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Disclosure......................................................... 40 Section 3.12 Intellectual Property Matters...................................... 40 Section 3.13 Liens.............................................................. 41 Section 3.14

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY56 SECTION 3.02. Authorization; Enforceability...................................................56 SECTION 3.03. Governmental Approvals; No Conflicts............................................56 SECTION 3.04. Financial Condition; No Material Adverse Change.................................56 SECTION 3.05. Properties......................................................................57 SECTION 3.06. Litigation and Environmental Matters............................................57 SECTION 3.07. Compliance with Laws and Agreements.............................................58 SECTION 3.08. Investment and Holding Company Status...........................................58 SECTION 3.09. Taxes...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS58 SECTION 3.10. ERISA...........................................................................58 SECTION 3.11. Disclosure......................................................................58 SECTION 3.12. Subsidiaries....................................................................59 SECTION 3.13. Insurance.......................................................................59 SECTION 3.14. Labor Matters...................................................................59 SECTION 3.15. Solvency........................................................................59 SECTION 3.16. No Burdensome Restrictions......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4759 SECTION 3.17. Representations in Loan Documents True and Correct..............................59

Organization; Powers. 43 50 Section 3.02 AUTHORIZATION............................................................................43 Authorization; Enforceability................................. 50 Section 3.03 ENFORCEABILITY...........................................................................44 Governmental Approvals; No Conflicts.......................... 50 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Financial Condition; No Material Adverse Change............... 50 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Properties.................................................... 51 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Litigation and Environmental Matters.......................... 51 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Compliance with Laws and Agreements........................... 52 Section 3.08 OWNERSHIP................................................................................45 Investment and Holding Company Status......................... 52 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Taxes......................................................... 52 Section 3.10 AGREEMENTS...............................................................................47 ERISA; Margin Regulations..................................... 52 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Disclosure.................................................... 52 Contents, p. 2

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS37 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability..................................37 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts...........................37 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change................38 SECTION 3.05. Properties.....................................................38 SECTION 3.06. Litigation and Environmental Matters...........................38 SECTION 3.07. Compliance with Laws and Agreements............................39 SECTION 3.08. Investment and Holding Company Status..........................39 SECTION 3.09. Taxes..........................................................39 SECTION 3.10. ERISA..........................................................40 SECTION 3.11. Disclosure.....................................................40

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS25 SECTION 3.02. Authorization.................................................25 SECTION 3.03. Enforceability................................................25 SECTION 3.04. Governmental Approvals........................................25 SECTION 3.05. Financial Statements..........................................25 SECTION 3.06. No Material Adverse Change....................................26 SECTION 3.07. Title to Properties; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESPossession Under Leases..................26 SECTION 3.08. Subsidiaries..................................................26 SECTION 3.09. Litigation; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONCompliance with Laws..............................25 SECTION 3.10. Agreements....................................................26 SECTION 3.11. Federal Reserve Regulations...................................26 SECTION 3.12. Investment Company Act; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Public Utility Holding Company Act....27 SECTION 3.13. Use of Proceeds...............................................27 SECTION 3.14. Tax Returns...................................................27 SECTION 3.15. No Material Misstatements.....................................27 SECTION 3.16.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS36 SECTION 3.02. Authorization...................................................36 SECTION 3.03. Enforceability..................................................36 SECTION 3.04. Governmental Approvals..........................................37 SECTION 3.05. Financial Statements............................................37 SECTION 3.06. Litigation; UNDISCLOSED LIABILITIESCompliance with Laws................................37 SECTION 3.07. Federal Reserve Regulations.....................................38 SECTION 3.08. Investment Company Act; Public Utility Holding Company Act.....................................................38 SECTION 3.09. Use of Proceeds.................................................38 SECTION 3.10. No Material Misstatements.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4738 ARTICLE IV Conditions of Effectiveness and of Lending SECTION 4.01. All Borrowings..................................................38 SECTION 4.02. Closing Date....................................................39 ARTICLE V Covenants

Organization; Powers. 43 102 Section 3.02 AUTHORIZATION............................................................................43 Authorization; Enforceability ....................................................................................... 102 Section 3.03 ENFORCEABILITY...........................................................................44 Governmental Approvals; No Conflicts ....................................................................... 102 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Financial Condition; No Material Adverse Effect ....................................................... 103 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Properties ...................................................................................................................... 103 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Litigation and Environmental Matters ......................................................................... 104 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Compliance with Laws and Agreements ...................................................................... 104 Section 3.08 OWNERSHIP................................................................................45 Investment Company Status ......................................................................................... 104 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Taxes ............................................................................................................................ 105 Section 3.10 AGREEMENTS...............................................................................47 ERISA; Labor Matters ................................................................................................. 105 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Disclosure ..................................................................................................................... 106 Section 3.12 Subsidiaries .................................................................................................................. 106 Section 3.13 Intellectual Property; Licenses, Etc. ............................................................................. 106 Section 3.14 Solvency ....................................................................................................................... 107 Section 3.15

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS57 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability.................... 57 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts............. 58 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change.. 58 SECTION 3.05. Properties....................................... 59 SECTION 3.06. Litigation and Environmental Matters............. 60 SECTION 3.07. Compliance with Laws and Agreements.............. 60 SECTION 3.08. Investment and Holding Company Status............ 61 SECTION 3.09. Taxes............................................ 61 SECTION 3.10. ERISA............................................ 61 SECTION 3.11. Disclosure....................................... 61 SECTION 3.12. Subsidiaries..................................... 62 SECTION 3.13. Solvency......................................... 62

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS81 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability.................................81 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts..........................81 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWSNo Material Adverse Change................................82 SECTION 3.05. Properties....................................................82 SECTION 3.06. Litigation and Environmental Matters..........................83 SECTION 3.07. Compliance with Laws and Agreements...........................84 SECTION 3.08. Investment and Holding Company Status.........................84 SECTION 3.09. Taxes.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4784 SECTION 3.10. ERISA.........................................................84 SECTION 3.11. Disclosure....................................................85 SECTION 3.12. Subsidiaries..................................................85 SECTION 3.13. Insurance.....................................................85 SECTION 3.14. Labor Matters.................................................85 SECTION 3.15. Intellectual Property.........................................86 SECTION 3.16. Year 2000.....................................................86 SECTION 3.17. Security Interests............................................87 SECTION 3.18. Absence of Non-Permitted Obligations..........................87 SECTION 3.19.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS56 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability .................................. 56 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts ........................... 57 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change ................ 57 SECTION 3.05. Properties ..................................................... 58 SECTION 3.06. Litigation and Environmental Matters ........................... 59 SECTION 3.07. Compliance with Laws and Agreements ............................ 60 SECTION 3.08. Investment and Holding Company Status .......................... 60 SECTION 3.09. Taxes .......................................................... 60 SECTION 3.10. Disclosure ..................................................... 60 SECTION 3.11. Subsidiaries ................................................... 61 SECTION 3.12. Insurance ...................................................... 61 SECTION 3.13.

Organization; Powers. 43 23 Section 3.02 AUTHORIZATION............................................................................43 Authorization; Enforceability...........................................................23 Section 3.03 ENFORCEABILITY...........................................................................44 Governmental Approvals; No Conflicts....................................................23 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Financial Condition; No Material Adverse Change.........................................23 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Properties..............................................................................24 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Litigation and Environmental Matters....................................................24 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Compliance with Laws and Agreements.....................................................25 Section 3.08 OWNERSHIP................................................................................45 Investment and Holding Company Status...................................................25 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Taxes...................................................................................25 Section 3.10 AGREEMENTS...............................................................................47 ERISA...................................................................................25 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Disclosure..............................................................................25 Section 3.12 Subsidiaries............................................................................25 Section 3.13 Insurance...............................................................................26 Section 3.14

Organization; Powers. 43 38 Section 3.02 AUTHORIZATION............................................................................43 3.02. Authorization; Enforceability................................. 38 Section 3.03 ENFORCEABILITY...........................................................................44 3.03. Governmental Approvals; No Conflicts.......................... 39 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 3.04. Financial Condition; No Material Adverse Change............... 39 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 3.05. Properties.................................................... 40 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 3.06. Litigation and Environmental Matters.......................... 40 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 3.07. Compliance with Laws and Agreements........................... 41 Section 3.08 OWNERSHIP................................................................................45 3.08. Investment and Holding Company Status......................... 41 Page Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 3.09. Taxes......................................................... 41 Section 3.10 AGREEMENTS...............................................................................47 3.10. ERISA......................................................... 41 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................473.11. Disclosure.................................................... 42 Section 3.12. Subsidiaries.................................................. 42 Section 3.13. Use of Proceeds............................................... 42 Section 3.14. Solvency...................................................... 42 ARTICLE 4 Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION35 SECTION 3.02. Authorization; Enforceability............................................................35 SECTION 3.03. Governmental Approvals; No Conflicts.....................................................35 SECTION 3.04. Financial Condition; No Material Adverse Change..........................................35 SECTION 3.05. Properties...............................................................................36 SECTION 3.06. Litigation and Environmental Matters.....................................................36 SECTION 3.07. Compliance with Laws and Agreements......................................................36 SECTION 3.08. Investment and Holding Company Status....................................................37 SECTION 3.09. Taxes .................................................................................37 SECTION 3.10. ERISA .................................................................................37 SECTION 3.11. Disclosure...............................................................................37 SECTION 3.12. Subsidiaries.............................................................................37 SECTION 3.13. Insurance................................................................................37 SECTION 3.14. Labor Matters............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP37 SECTION 3.15. Solvency.................................................................................38 SECTION 3.16. Senior Indebtedness......................................................................38 SECTION 3.17. Year 2000................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4738 SECTION 3.18. Intellectual Property....................................................................38 ARTICLE IV CONDITIONS

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS30 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability ........................... 30 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts .................... 30 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change ......... 30 SECTION 3.05. Properties .............................................. 31 SECTION 3.06. Litigation and Environmental Matters .................... 31 SECTION 3.07. Compliance with Laws and Agreements ..................... 31 SECTION 3.08. Investment and Holding Company Status ................... 31 SECTION 3.09. Taxes ................................................... 31 SECTION 3.10. ERISA ................................................... 32 SECTION 3.11. Disclosure .............................................. 32 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS9 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability......................................9 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts..............................10 SECTION 3.04. Compliance with Laws and Agreements...............................10 SECTION 3.05. Taxes.............................................................10 SECTION 3.06. Newco Ownership...................................................10 SECTION 3.07. Solvency..........................................................10 SECTION 3.08. Disclosure........................................................10 SECTION 3.09. Organization; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Powers..............................................11 SECTION 3.10. Authorization; Enforceability.....................................11 SECTION 3.11. Governmental Approvals; No Conflicts..............................11 SECTION 3.12. New Shareholder Representation....................................12 ARTICLE IV CONDITIONS.......................................................................12

Organization; Powers. 40 SECTION 3.02. Authorization............................................40 SECTION 3.03. Enforceability...........................................41 SECTION 3.04. Governmental Approvals...................................41 SECTION 3.05. Financial Statements.....................................41 SECTION 3.06. No Material Adverse Change...............................41 SECTION 3.07. Subsidiaries.............................................41 SECTION 3.08. Litigation; Compliance with Laws.........................41 SECTION 3.09. Federal Reserve Regulations..............................42 SECTION 3.10. Investment Company Act; Public Utility Holding Company Act............................42 SECTION 3.11. Use of Proceeds..........................................42 SECTION 3.12. Tax Returns..............................................42 SECTION 3.13. No Material Misstatements................................42 SECTION 3.14. Employee Benefit Plans...................................42 SECTION 3.15. Environmental Matters.......................... .........43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47SECTION 3.16. Senior Indebtedness......................................43

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS18 SECTION 4.02. Authorization; Enforceability.................................18 SECTION 4.03. Government Approvals; No Conflicts............................18 SECTION 4.04. Financial Condition; No Material Adverse Change...............18 SECTION 4.05. Litigation....................................................19 SECTION 4.06. Compliance with Laws and Agreements...........................19 SECTION 4.07. Investment and Holding Company Status.........................19 SECTION 4.08. Margin Regulations............................................19 SECTION 4.09. Taxes.........................................................19 SECTION 4.10. Environmental Matters.........................................19 SECTION 4.11. Existing Agreement............................................19 SECTION 4.12. Solvency......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4720

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS29 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIESEnforceability...............................29 SECTION 3.03. Governmental Approvals; No Conflicts........................29 SECTION 3.04. Financial Condition; No Material Adverse Change.............30 SECTION 3.05. Properties; Insurance.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4731 SECTION 3.06. Litigation and Environmental Matters........................31 SECTION 3.07. Compliance with Laws and Agreements.........................31 SECTION 3.08. Investment and Holding Company Status.......................32 SECTION 3.09. Taxes.......................................................32 SECTION 3.10. ERISA.......................................................32 SECTION 3.11.

Organization; Powers. 43 49 Section 3.02 AUTHORIZATION............................................................................43 3.02. Authorization; Enforceability..................................50 Section 3.03 ENFORCEABILITY...........................................................................44 3.03. Governmental Approvals; No Conflicts...........................50 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS3.04. Financial Condition; No Material Adverse Change................50 Section 3.05. Properties.....................................................51 Section 3.06. Litigation and Environmental Matters...........................51 Section 3.07. Compliance with Laws and Agreements............................52 -i- TABLE OF CONTENTS (CONTINUED) PAGE Section 3.08. Investment and Holding Company Status..........................52 Section 3.09. Taxes..........................................................52 Section 3.10. ERISA..........................................................52 Section 3.11. Disclosure.....................................................52 Section 3.12. Subsidiaries...................................................53 Section 3.13. Insurance......................................................44 53 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 3.14. Labor Matters..................................................53 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 3.15. Solvency.......................................................53 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 3.16. Senior.........................................................54 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................473.17. Year 2000......................................................54 ARTICLE IV

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS50 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability............................... 50 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts........................ 50 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change............. 51 SECTION 3.05. Properties.................................................. 52 SECTION 3.06. Litigation and Environmental Matters........................ 52 SECTION 3.07. Compliance with Laws and Agreements......................... 53 SECTION 3.08. Investment and Holding Company Status....................... 53 PAGE ---- SECTION 3.09. Taxes....................................................... 53 SECTION 3.10. ERISA....................................................... 53 SECTION 3.11. Disclosure.................................................. 53 SECTION 3.12. Subsidiaries................................................ 54 SECTION 3.13. Use of Proceeds............................................. 54 SECTION 3.14. Solvency.................................................... 54 SECTION 3.15. Representation and Warranties Related to New D&B and the Spin-off................................................ 54

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS51 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability................................................51 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.........................................52 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONSNo Material Adverse Change..............................52 SECTION 3.05. Properties...................................................................52 SECTION 3.06. Litigation and Environmental Matters.........................................53 SECTION 3.07. Compliance with Laws and Agreements..........................................53 SECTION 3.08. Investment and Holding Company Status........................................53 SECTION 3.09. Taxes........................................................................53 SECTION 3.10. ERISA........................................................................54 SECTION 3.11. Disclosure; Accuracy of Information..........................................54 SECTION 3.12. Subsidiaries.................................................................54 SECTION 3.13. Insurance....................................................................54 SECTION 3.14. Labor Matters................................................................55 SECTION 3.15. Solvency.....................................................................55 SECTION 3.16. Federal Reserve Regulations..................................................55 SECTION 3.17. Security Interests...........................................................55 SECTION 3.18. Use of Proceeds..............................................................4756 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS31 SECTION 3.02. Authorization.................................................32 SECTION 3.03. Enforceability................................................32 SECTION 3.04. Governmental Approvals........................................32 SECTION 3.05. Financial Statements..........................................32 SECTION 3.06. No Material Adverse Change....................................33 SECTION 3.07. Title to Properties; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESPossession Under Leases..................33 SECTION 3.08. Subsidiaries..................................................33 SECTION 3.09. Litigation; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONCompliance with Laws..............................33 SECTION 3.10. Agreements....................................................34 SECTION 3.11. Federal Reserve Regulations...................................34 SECTION 3.12. Investment Company Act; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Public Utility Holding Company Act....34 SECTION 3.13. Use of Proceeds...............................................34 SECTION 3.14. Tax Returns...................................................34 SECTION 3.15. No Material Misstatements.....................................35 SECTION 3.16.

Organization; Powers. 41 SECTION 3.02. Authorization........................................... 41 SECTION 3.03. Enforceability.......................................... 41 SECTION 3.04. Governmental Approvals.................................. 41 SECTION 3.05. Financial Statements.................................... 42 SECTION 3.06. No Material Adverse Change.............................. 42 SECTION 3.07. Title to Properties; Possession Under Leases............ 42 SECTION 3.08. Subsidiaries............................................ 43 Section 3.02 AUTHORIZATION............................................................................SECTION 3.09. Litigation; Compliance with Laws........................ 43 Section 3.03 ENFORCEABILITY...........................................................................SECTION 3.10. Agreements.............................................. 44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................SECTION 3.11. Federal Reserve Regulations............................. 44 Section 3.05 EXISTING PRACTICE REPORTSSECTION 3.12. Investment Company Act; UNDISCLOSED LIABILITIES.......................................Public Utility Holding 44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Company Act.......................................... 44 SECTION 3.13. Use of Proceeds......................................... 44 SECTION 3.14. Tax Returns............................................. 44 SECTION 3.15. No Material Misstatements............................... 44 SECTION 3.16.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS30 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability..................................................... 31 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.............................................. 31 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change................................... 31 SECTION 3.05. Properties........................................................................ 32 SECTION 3.06. Litigation and Environmental Matters.............................................. 32 SECTION 3.07. Compliance with Laws and Agreements............................................... 32 SECTION 3.08. Government Regulation............................................................. 32 PAGE SECTION 3.09. Taxes............................................................................. 32 SECTION 3.10. ERISA............................................................................. 33 SECTION 3.11. Disclosure........................................................................ 33 SECTION 3.12. Statements as to Taxes............................................................ 33 ARTICLE IV CONDITIONS

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................473.02. Authorization; Enforceability.................................... 48 Section 3.03. Governmental Approvals; No Conflicts............................. 48 Section 3.04. Financial Statements; No Material Adverse Change................. 48 Section 3.05. Properties....................................................... 49 Section 3.06. Litigation and Environmental Matters............................. 49 Section 3.07. Compliance with Laws and Agreements.............................. 50 Section 3.08. Investment and Holding Company Status............................ 50 Section 3.09. Taxes............................................................ 50 Section 3.10. ERISA............................................................ 50 Section 3.11. Disclosure....................................................... 51 Section 3.12. Subsidiaries..................................................... 51 Section 3.13. Insurance........................................................ 51 Section 3.14. Labor Matters.................................................... 51 Section 3.15. Solvency......................................................... 52

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS76 SECTION 4.02. Authorization..................................................77 SECTION 4.03. Enforceability.................................................78 SECTION 4.04. Governmental Approvals.........................................78 SECTION 4.05. Financial Statements...........................................78 SECTION 4.06. No Material Adverse Change.....................................79 SECTION 4.07. Title to Properties; UNDISCLOSED LIABILITIESPossession Under Leases; Accounts...............................................79 SECTION 4.08. Identity of Subsidiaries.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES80 SECTION 4.09. Litigation; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONCompliance with Laws...............................80 SECTION 4.10. Agreements.....................................................81 SECTION 4.11. Federal Reserve Regulations....................................81 SECTION 4.12. Investment Company Act: Public Utility Holding Company Act............................................81 SECTION 4.13. Use of Proceeds; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Letters of Credit.............................81 SECTION 4.14. Tax Returns....................................................82 SECTION 4.15. Information Memoranda..........................................82 SECTION 4.16.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS38 SECTION 3.02. Authorization; Enforceability..................................38 SECTION 3.03. Governmental Approvals; No Conflicts...........................38 SECTION 3.04. Financial Condition; No Material Adverse Change................39 SECTION 3.05. Properties.....................................................40 3 SECTION 3.06. Litigation and Environmental Matters...........................40 SECTION 3.07. Compliance with Laws and Agreements............................41 SECTION 3.08. Investment and Holding Company Status..........................41 SECTION 3.09. Taxes..........................................................41 SECTION 3.10. ERISA..........................................................41 SECTION 3.11. Disclosure.....................................................41 SECTION 3.12. Subsidiaries...................................................42 SECTION 3.13. Use of Proceeds................................................42 SECTION 3.14. Solvency.......................................................42 SECTION 3.15. Year 2000......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4742 ARTICLE 4 CONDITIONS

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS38 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability .................................... 38 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts ............................. 38 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change................... 38 SECTION 3.05. Properties ....................................................... 39 SECTION 3.06. Litigation and Environmental Matters ............................. 39 SECTION 3.07. Compliance with Laws and Agreements .............................. 39 SECTION 3.08. Federal Reserve Regulations....................................... 40 SECTION 3.09. Investment and Holding Company Status............................. 40 SECTION 3.10. Taxes ............................................................ 40 SECTION 3.11. ERISA ............................................................ 40 SECTION 3.12. Disclosure........................................................ 40 ARTICLE IV Conditions SECTION 4.01. [Intentionally Omitted] .......................................... 41 SECTION 4.02. Each Credit Event ................................................ 41 ARTICLE V

Organization; Powers. 43 Section 38 SECTION 3.02 AUTHORIZATION............................................................................43 Section Authorization; Enforceability ............................ 38 SECTION 3.03 ENFORCEABILITY...........................................................................44 Section Governmental Approvals; No Conflicts ..................... 38 SECTION 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section Financial Condition; No Material Adverse Change........... 39 SECTION 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section Properties ............................................... 39 SECTION 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section Litigation and Environmental Matters ..................... 40 SECTION 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section Compliance with Laws and Agreements ...................... 40 SECTION 3.08 OWNERSHIP................................................................................45 Section Investment and Holding Company Status .................... 40 SECTION 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section Taxes .................................................... 40 SECTION 3.10 AGREEMENTS...............................................................................47 Section ERISA .................................................... 40 SECTION 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Disclosure ............................................... 40 SECTION 3.12 Federal Reserve Regulations .............................. 41 SECTION 3.13 Designated Senior Indebtedness ........................... 41 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS36 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability......................................... 36 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.................................. 36 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change............................................................. 37 SECTION 3.05. Properties............................................................ 37 SECTION 3.06. Litigation ........................................................... 37 SECTION 3.07. Compliance with Laws.................................................. 37 SECTION 3.08. Investment and Holding Company Status................................. 38 SECTION 3.09. ERISA................................................................. 38 SECTION 3.10. Disclosure............................................................ 38 SECTION 3.11. Regulation U and X.................................................... 38 SECTION 3.12. Pari Passu Ranking.................................................... 38 SECTION 3.13. Year 2000 ............................................................ 38 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 16 SECTION 3.02. AUTHORIZATION............................................................................43 Section 3.03 ; ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND .....................................................17 SECTION 3.03. GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO CONFLICTS..............................................17 SECTION 3.04. PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 ........................................................................17 SECTION 3.05. LITIGATION; ........................................................................17 SECTION 3.06. COMPLIANCE WITH LAWSLAWS AND AGREEMENTS...............................................17 SECTION 3.07. INVESTMENT COMPANY STATUS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4717 SECTION 3.08. TAXES.............................................................................17 SECTION 3.09. ERISA.............................................................................17 SECTION 3.10. DISCLOSURE........................................................................17 SECTION 3.11. SOLVENCY..........................................................................18 SECTION 3.12. SECURITY DOCUMENTS................................................................18 SECTION 3.13. CAPITALIZATION....................................................................18 ARTICLE IV CONDITIONS...........................................................................................18

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS72 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability......................................... 72 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.................................. 73 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change....................... 73 SECTION 3.05. Properties............................................................ 74 SECTION 3.06. Litigation and Environmental Matters.................................. 74 SECTION 3.07. Compliance with Laws and Agreements................................... 75 SECTION 3.08. Investment and Holding Company Status................................. 75 SECTION 3.09. Taxes................................................................. 75 SECTION 3.10. ERISA................................................................. 76 SECTION 3.11. Disclosure............................................................ 76 SECTION 3.12. Subsidiaries.......................................................... 76 SECTION 3.13. Insurance............................................................. 76 SECTION 3.14. Labor Matters......................................................... 76 SECTION 3.15. Solvency.............................................................. 77 ARTICLE IV CONDITIONS ----------

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS35 SECTION 4.02. Authorization; Enforceability...................................35 SECTION 4.03. Governmental Approvals; No Conflicts............................35 SECTION 4.04. Financial Condition; No Material Adverse Change.................35 SECTION 4.05. Properties; Liens...............................................36 SECTION 4.06. Litigation and Environmental Matters............................36 SECTION 4.07. Compliance with Laws and Agreements.............................36 SECTION 4.08. No Default......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES36 SECTION 4.09. Investment and Holding Company Status...........................37 SECTION 4.10. No Burdensome Restrictions......................................37 SECTION 4.11. Taxes...........................................................37 SECTION 4.12. Federal Regulations.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4737 SECTION 4.13. Subsidiaries....................................................37 SECTION 4.14. ERISA...........................................................37 SECTION 4.15. Disclosure......................................................37 ARTICLE V Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS22 SECTION 3.02. Authorization; Enforceability...................................22 SECTION 3.03. Governmental Approvals; No Conflicts............................22 SECTION 3.04. Financial Condition; No Material Adverse Change.................22 SECTION 3.05. Properties......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4723 SECTION 3.06. Litigation and Environmental Matters............................23 SECTION 3.07. Compliance with Laws and Agreements.............................23 SECTION 3.08. Investment and Holding Company Status...........................23 SECTION 3.09. Taxes...........................................................24 SECTION 3.10. ERISA...........................................................24 SECTION 3.11. Disclosure......................................................24 SECTION 3.12. Representations and Warranties of Capstone......................24

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................4.02. Authorization; Enforceability.......................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................4.03. Governmental Approvals; No Conflicts................44 Section 3.05 EXISTING PRACTICE REPORTS4.04. Financial Condition; UNDISCLOSED LIABILITIES.......................................No Material Adverse Change.....44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................4.05. Properties..........................................44 Section 4.06. Litigation and Environmental Matters................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................4.07. Compliance with Laws and Agreements.................45 Section 3.08 OWNERSHIP................................................................................4.08. Investment Company Status...........................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................4.09. Taxes...............................................46 Section 3.10 AGREEMENTS...............................................................................4.10. ERISA...............................................46 Section 4.11. Disclosure..........................................46 Section 4.12. Capitalization; Corporate Information...............46 Section 4.13. Margin Stock........................................46 Section 4.14. Oil and Gas Interests...............................46 Section 4.15. Insurance...........................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................474.16. Solvency............................................47 Article V Conditions.........................................................48 Section 5.01. Effective Date......................................48 Section 5.02. Each Credit Event...................................50

Organization; Powers. 43 133 Section 3.02 AUTHORIZATION............................................................................43 Authorization; Enforceability ..............................................................................133 Section 3.03 ENFORCEABILITY...........................................................................44 Governmental and Other Third Party Approvals; No Conflicts ..........................133 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Financial Condition; No Material Adverse Effect ...............................................134 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Properties .............................................................................................................134 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Litigation and Environmental Matters .................................................................135 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Compliance with Laws ........................................................................................135 Section 3.08 OWNERSHIPInvestment Company Status ................................................................................45 135 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Taxes ....................................................................................................................135 Section 3.10 AGREEMENTS...............................................................................47 ERISA ..................................................................................................................136 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Disclosure ............................................................................................................136 Section 3.12 Subsidiaries ..........................................................................................................136 Section 3.13 Intellectual Property; Licenses, Etc. ....................................................................137 Section 3.14 Solvency ...............................................................................................................137 Section 3.15

Organization; Powers. 41 SECTION 3.02. Authorization.............................................. 41 2 SECTION 3.03. Enforceability............................................. 41 SECTION 3.04. Governmental Approvals..................................... 42 SECTION 3.05. Financial Statements....................................... 42 SECTION 3.06. No Material Adverse Change................................. 42 SECTION 3.07. Title to Properties; Possession Under Leases............... 42 SECTION 3.08. Subsidiaries............................................... 43 Section 3.02 AUTHORIZATION............................................................................SECTION 3.09. Litigation; Compliance with Laws........................... 43 Section 3.03 ENFORCEABILITY...........................................................................SECTION 3.10. Agreements................................................. 43 SECTION 3.11. Federal Reserve Regulations................................ 44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................SECTION 3.12. Investment Company Act; Public Utility Holding Company Act.............................................. 44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................SECTION 3.13. Use of Proceeds............................................ 44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47SECTION 3.14. Tax Returns................................................ 44 SECTION 3.15. No Material Misstatements.................................. 44 SECTION 3.16.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS48 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability ............................ 48 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts ..................... 49 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change .......... 49 SECTION 3.05. Properties ............................................... 50 SECTION 3.06. Litigation and Environmental Matters ..................... 50 SECTION 3.07. Compliance with Laws and Agreements ...................... 52 SECTION 3.08. Investment and Holding Company Status .................... 52 SECTION 3.09. Taxes .................................................... 52 SECTION 3.10. ERISA .................................................... 52 SECTION 3.11. Disclosure ............................................... 53 SECTION 3.12. Subsidiaries ............................................. 53 SECTION 3.13. Insurance ................................................ 53 SECTION 3.14. Labor Matters ............................................ 53 SECTION 3.15. Solvency ................................................. 54 SECTION 3.16. Communications Regulatory Matters ........................ 54

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS73 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability ................................... 73 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts ............................ 74 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change ................. 74 SECTION 3.05. Properties ...................................................... 75 SECTION 3.06. Litigation and Environmental Matters ............................ 76 SECTION 3.07. Compliance with Laws and Agreements ............................. 76 SECTION 3.08. Investment and Holding Company Status ........................... 76 SECTION 3.09. Taxes ........................................................... 76 SECTION 3.10. ERISA ........................................................... 77 SECTION 3.11. Disclosure ...................................................... 77 SECTION 3.12. Subsidiaries .................................................... 78 SECTION 3.13. Insurance ....................................................... 78 SECTION 3.14. Labor Matters ................................................... 78 SECTION 3.15. Solvency ........................................................ 78 SECTION 3.16. Senior Indebtedness ............................................. 79 SECTION 3.17. Security Documents .............................................. 79 ARTICLE IV Conditions SECTION 4.01. [Intentionally Omitted] ......................................... 80 SECTION 4.02. Each Credit Event ............................................... 80 ARTICLE V

Organization; Powers. 43 Section 3.02 16 SECTION 3.02. AUTHORIZATION............................................................................43 Section 3.03 ; ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND .....................................................16 SECTION 3.03. GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO CONFLICTS..............................................16 SECTION 3.04. PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 ........................................................................17 SECTION 3.05. LITIGATION; ........................................................................17 SECTION 3.06. COMPLIANCE WITH LAWSLAWS AND AGREEMENTS...............................................17 SECTION 3.07. INVESTMENT COMPANY STATUS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4717 SECTION 3.08. TAXES.............................................................................17 SECTION 3.09. ERISA.............................................................................17 SECTION 3.10. DISCLOSURE........................................................................17 SECTION 3.11. SOLVENCY..........................................................................17 SECTION 3.12. SECURITY DOCUMENTS................................................................17 SECTION 3.13. CAPITALIZATION....................................................................17 ARTICLE IV CONDITIONS...........................................................................................18

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS48 SECTION 4.02. Authorization...................................... 48 SECTION 4.03. Enforceability..................................... 48 SECTION 4.04. Governmental Approvals............................. 49 SECTION 4.05. Financial Statements............................... 49 SECTION 4.06. No Material Adverse Change......................... 49 SECTION 4.07. Title to Properties; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESPossession Under Leases. 49 SECTION 4.08. Subsidiaries....................................... 50 SECTION 4.09. Litigation; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONCompliance with Laws................... 50 SECTION 4.10. Agreements......................................... 50 SECTION 4.11. Federal Reserve Regulations........................ 50 SECTION 4.12. Investment Company Act; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Public Utility Holding Company Act..................................... 51 SECTION 4.13. Use of Proceeds.................................... 51 SECTION 4.14. Tax Returns........................................ 51 SECTION 4.15. No Material Misstatements.......................... 51 SECTION 4.16.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS64 SECTION 4.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability..........................64 SECTION 4.03. Governmental Approvals; POSSESSION UNDER LEASESNo Conflicts...................64 SECTION 4.04. Financial Condition; No Material Adverse Change........65 SECTION 4.05. Properties.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4766 SECTION 4.06. Litigation and Environmental Matters...................66 SECTION 4.07. Compliance with Laws and Agreements....................67 SECTION 4.08. Investment and Holding Company Status..................67 SECTION 4.09. Taxes..................................................67 SECTION 4.10. ERISA..................................................67 SECTION 4.11. Disclosure.............................................67 SECTION 4.12. Capitalization.........................................68 SECTION 4.13. Material Agreements and Liens..........................68 SECTION 4.14. Subsidiaries, Etc......................................69 SECTION 4.15. Holdings Indenture.....................................69 ARTICLE V CONDITIONS SECTION 5.01. Effective Date.........................................70 SECTION 5.02. Incremental Loan Borrowings............................73 SECTION 5.03. Each Extension of Credit...............................74 ARTICLE VI

Organization; Powers. 43 54 Section 3.02 AUTHORIZATION............................................................................43 3.2 Authorization; Enforceability..........................55 Section 3.03 ENFORCEABILITY...........................................................................44 3.3 Governmental Approvals; No Conflicts...................55 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 3.4 Financial Condition....................................55 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 3.5 Properties.............................................56 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 3.6 Litigation and Environmental Matters...................56 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 3.7 Compliance with Laws and Agreements....................56 Section 3.08 OWNERSHIP................................................................................45 3.8 Investment and Holding Company Status..................57 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 3.9 Taxes..................................................57 Section 3.10 AGREEMENTS...............................................................................47 ERISA..................................................57 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Disclosure.............................................57 Section 3.12 Subsidiaries...........................................58 Section 3.13 Insurance..............................................58 Section 3.14

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS62 SECTION 4.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability..................................62 SECTION 4.03. Governmental Approvals; POSSESSION UNDER LEASESNo Conflicts...........................63 SECTION 4.04. Financial Condition; No Material Adverse Change................63 SECTION 4.05. Properties.....................................................64 SECTION 4.06. Litigation and Environmental Matters...........................64 SECTION 4.07. Compliance with Laws and Agreements............................65 SECTION 4.08. Investment and Holding Company Status..........................65 SECTION 4.09. Taxes..........................................................65 SECTION 4.10. ERISA..........................................................65 SECTION 4.11. Disclosure.....................................................65 SECTION 4.12. Material Agreements and Liens..................................66 SECTION 4.13. Regulatory Matters.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4766 SECTION 4.14. Subsidiaries...................................................67 SECTION 4.15. Capitalization of Credit Parties...............................68 SECTION 4.16. Public Note Indentures.........................................68 SECTION 4.17. Certain Additional Agreements..................................68 ARTICLE V CONDITIONS

Organization; Powers. 43 Section 3.02 AUTHORIZATION57 SECTION 3.02. Authorization............................................................................43 Section 3.03 ENFORCEABILITY57 SECTION 3.03. Enforceability...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS57 SECTION 3.04. Governmental Approvals; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGEContracts........................................................57 SECTION 3.05. Financial Statements.....................................................................58 SECTION 3.06. No Material Adverse Change...............................................................45 Section 3.07 TITLE TO PROPERTIES58 SECTION 3.07. Title to Properties; POSSESSION UNDER LEASESPossession Under Leases.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION59 SECTION 3.08. Subsidiaries.............................................................................59 SECTION 3.09. Litigation; COMPLIANCE WITH LAWSCompliance with Laws.........................................................46 Section 3.10 AGREEMENTS59 SECTION 3.10. Agreements...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS59 SECTION 3.11. Federal Reserve Regulations..............................................................4759 SECTION 3.12. Investment Company Act; Public Utility Holding Company Act...............................59 SECTION 3.13. Use of Proceeds..........................................................................60 SECTION 3.14. Tax Returns..............................................................................60 SECTION 3.15. No Material Misstatements................................................................60 SECTION 3.16.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS40 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability .............................. 40 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts ....................... 40 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change......... ... 41 SECTION 3.05. Properties ................................................. 41 SECTION 3.06. Litigation and Environmental Matters ....................... 41 SECTION 3.07. Compliance with Laws and Agreements ........................ 42 SECTION 3.08. Investment and Holding Company Status ...................... 42 SECTION 3.09. Taxes ...................................................... 42 SECTION 3.10. ERISA ...................................................... 42 SECTION 3.11. Disclosure ................................................. 42 SECTION 3.12. Subsidiaries ............................................... 42 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS36 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability......................................... 36 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.................................. 37 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change............................................................. 37 SECTION 3.05. Properties............................................................ 37 SECTION 3.06. Litigation ........................................................... 37 SECTION 3.07. Compliance with Laws.................................................. 38 SECTION 3.08. Investment and Holding Company Status................................. 38 SECTION 3.09. ERISA................................................................. 38 SECTION 3.10. Disclosure............................................................ 38 SECTION 3.11. Regulation U and X.................................................... 38 SECTION 3.12. Pari Passu Ranking.................................................... 38 SECTION 3.13. Year 2000 ............................................................ 39 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS62 SECTION 4.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability................................. 62 SECTION 4.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.......................... 62 SECTION 4.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change............... 63 SECTION 4.05. Properties.................................................... 64 SECTION 4.06. Litigation and Environmental Matters.......................... 64 SECTION 4.07. Compliance with Laws and Agreements........................... 65 SECTION 4.08. Investment and Holding Company Status......................... 65 SECTION 4.09. Taxes......................................................... 65 SECTION 4.10. ERISA......................................................... 65 SECTION 4.11. Disclosure.................................................... 66 SECTION 4.12. Use of Credit................................................. 66 SECTION 4.13. Material Agreements and Liens With Respect to Indebtedness.... 66 SECTION 4.14. Capitalization................................................ 67 SECTION 4.15.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS89 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGENo Conflicts ...........................................................89 SECTION 3.03. Enforceability .................................................................................89 SECTION 3.04. Governmental Approvals ...............................................................45 Section 3.07 TITLE TO PROPERTIES90 SECTION 3.05. Financial Statements ......................................................................90 SECTION 3.06. No Material Adverse Effect ...........................................................90 SECTION 3.07. Title to Properties; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONPossession Under Leases ................................90 SECTION 3.08. Subsidiaries ....................................................................................91 SECTION 3.09. Litigation; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONSCompliance with Laws .................................................91 SECTION 3.10. Agreements ....................................................................................92 SECTION 3.11. Federal Reserve Regulations ..........................................................92 SECTION 3.12. Investment Company Act ..............................................................4792 SECTION 3.13. Use of Proceeds ..............................................................................92 SECTION 3.14. Tax Returns ....................................................................................93 SECTION 3.15.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS91 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability....... 91 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts......................................91 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change....................92 SECTION 3.05. Litigation...................................... 92 SECTION 3.06. Compliance with Laws and Agreements................................... 92 SECTION 3.07. Sanctions and Anti-Corruption Laws...........................................92 SECTION 3.08. Taxes............................................. 93 SECTION 3.09. ERISA........................................... 93 SECTION 3.10. Disclosure..................................... 93 SECTION 3.11. Investment Company Act; Margin Regulations.......................…93 SECTION 3.12. Material Agreements and Liens... 94

Organization; Powers. 43 Section 3.02 55 SECTION 3.02. AUTHORIZATION............................................................................43 Section 3.03 ; ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND ....................56 SECTION 3.03. GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO CONFLICTS.............56 SECTION 3.04. FINANCIAL CONDITION; NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO ..56 SECTION 3.05. PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; .......................................57 SECTION 3.06. LITIGATION AND ENVIRONMENTAL MATTERS.............57 SECTION 3.07. COMPLIANCE WITH LAWS.........................................................46 Section 3.10 LAWS AND AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47..............58 SECTION 3.08. INVESTMENT AND HOLDING COMPANY STATUS............58 SECTION 3.09. TAXES............................................58 SECTION 3.10. ERISA............................................58 SECTION 3.11. DISCLOSURE.......................................59 SECTION 3.12. GUARANTORS.......................................59 SECTION 3.13.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS58 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability.............................. 58 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts....................... 58 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change......................................... 59 SECTION 3.05. Properties................................................. 59 SECTION 3.06. Litigation and Environmental Matters....................... 60 SECTION 3.07. Compliance with Laws and Agreements........................ 60 SECTION 3.08. Investment and Holding Company Status...................... 61 SECTION 3.09. Taxes...................................................... 61 SECTION 3.10. ERISA...................................................... 61 SECTION 3.11. Disclosure................................................. 62 SECTION 3.12. Subsidiaries............................................... 62 SECTION 3.13. Solvency................................................... 62 SECTION 3.14. Year 2000 Compliance....................................... 62 ARTICLE IV CONDITIONS

Organization; Powers. 43 22 Section 3.02 AUTHORIZATION............................................................................43 6.02. Authorization; Enforceability ........................................................................ 22 Section 3.03 ENFORCEABILITY...........................................................................44 6.03. Governmental Approvals; No Conflicts ........................................................ 22 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 6.04. Financial Condition; No Material Adverse Change....................................... 22 Section 3.05 EXISTING PRACTICE REPORTS6.05. Properties; UNDISCLOSED LIABILITIES.......................................44 Liens and Licenses....................................................................... 23 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 6.06. Litigation Matters........................................................................................... 23 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 6.07. Compliance with Laws and Agreements ....................................................... 23 Section 3.08 OWNERSHIP................................................................................45 6.08. Investment and Holding Company Status...................................................... 23 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 6.09. Taxes .............................................................................................................. 24 Section 3.10 AGREEMENTS...............................................................................47 6.10. ERISA ............................................................................................................ 24 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................476.11. Disclosure ...................................................................................................... 24 Section 6.12. The Collateral................................................................................................. 24 Section 6.13. Liens on the Collateral ................................................................................... 25 Section 6.14. Eligible Vehicle Collateral............................................................................. 25 Section 6.15. Insurance ........................................................................................................ 25 Section 6.16. Labor Matters................................................................................................. 25 Section 6.17. Security Documents ....................................................................................... 25 Section 6.18. Margin Regulations........................................................................................ 25 ARTICLE VII Section 7.01. Effective Date ................................................................................................ 26 Section 7.02. Each Loan ...................................................................................................... 26 ARTICLE VIII

Organization; Powers. 43 Section 38 SECTION 3.02 AUTHORIZATION............................................................................43 Section Authorization; Enforceability ............................ 38 SECTION 3.03 ENFORCEABILITY...........................................................................44 Section Governmental Approvals; No Conflicts ..................... 38 SECTION 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section Financial Condition; No Material Adverse Change........... 39 SECTION 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section Properties ............................................... 39 SECTION 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section Litigation and Environmental Matters ..................... 40 SECTION 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section Compliance with Laws and Agreements ...................... 40 SECTION 3.08 OWNERSHIP................................................................................45 Section Investment and Holding Company Status .................... 40 SECTION 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section Taxes .................................................... 40 SECTION 3.10 AGREEMENTS...............................................................................47 Section ERISA .................................................... 40 SECTION 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Disclosure ............................................... 40 SECTION 3.12 Federal Reserve Regulations .............................. 41 SECTION 3.13 Designated Senior Indebtedness ........................... 41

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS36 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability................................36 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.........................37 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change..............37 SECTION 3.05. Properties...................................................37 SECTION 3.06. Litigation and Environmental Matters.........................38 SECTION 3.07. Compliance with Laws and Agreements..........................38 SECTION 3.08. Federal Regulations..........................................38 SECTION 3.09. Investment and Holding Company Status........................39 SECTION 3.10. Taxes........................................................39 SECTION 3.11. ERISA........................................................39 SECTION 3.12.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS49 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability................................................49 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.........................................49 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change..............................50 SECTION 3.05. Properties...................................................................51 SECTION 3.06. Litigation and Environmental Matters.........................................51 SECTION 3.07. Compliance with Laws and Agreements..........................................52 SECTION 3.08. Investment and Holding Company Status........................................52 SECTION 3.09. Taxes........................................................................52 SECTION 3.10. ERISA; Margin Regulations....................................................52 SECTION 3.11. Disclosure...................................................................52 SECTION 3.12. Subsidiaries.................................................................53 SECTION 3.13. Insurance....................................................................53 SECTION 3.14. Labor Matters................................................................53 SECTION 3.15. Solvency.....................................................................53 SECTION 3.16.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS50 SECTION 3.02. Authorization; Enforceability..............................51 SECTION 3.03. Governmental Approvals; No Conflicts.......................51 SECTION 3.04. Financial Condition; No Material Adverse Change............51 SECTION 3.05. Properties.................................................52 SECTION 3.06. Litigation and Environmental Matters.......................53 SECTION 3.07. Compliance with Laws and Agreements........................53 SECTION 3.08. Investment and Holding Company Status......................53 SECTION 3.09. Taxes......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4753 SECTION 3.10. ERISA......................................................54 SECTION 3.11. Disclosure.................................................54 SECTION 3.12. Subsidiaries...............................................54 SECTION 3.13. Use of Proceeds............................................54 SECTION 3.14. Solvency...................................................54

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS27 SECTION 3.2. Authorization; Enforceability.................................27 SECTION 3.3. Governmental Approvals; No Conflicts..........................27 SECTION 3.4. Financial Condition; No Material Adverse Change................................................27 SECTION 3.5. Properties....................................................28 SECTION 3.6. Litigation and Environmental Matters..........................28 SECTION 3.7. Compliance with Laws and Agreements...........................28 SECTION 3.8. Investment and Holding Company Status.........................29 SECTION 3.9. Taxes.........................................................29 SECTION 3.10. ERISA.........................................................29 SECTION 3.11. Disclosure....................................................29 SECTION 3.12. Solvency......................................................44 Section 3.05 EXISTING PRACTICE REPORTS29 SECTION 3.13. Use of Proceeds; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47Margin Regulations...........................29 SECTION 3.14. No Default....................................................30 SECTION 3.15. Subsidiaries..................................................30

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS23 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability......................................... 23 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.................................. 23 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change....................... 23 SECTION 3.05. Properties............................................................ 24 SECTION 3.06. Litigation and Environmental Matters.................................. 24 SECTION 3.07. Compliance with Laws and Agreements................................... 24 SECTION 3.08. Investment and Holding Company Status................................. 24 SECTION 3.09. Taxes................................................................. 24 SECTION 3.10. ERISA................................................................. 25 SECTION 3.11. Disclosure............................................................ 25 SECTION 3.12. Liens................................................................. 25 SECTION 3.13. Subsidiaries.......................................................... 25 SECTION 3.14. No Default............................................................ 25

Organization; Powers. 43 Section 3.02 AUTHORIZATION68 SECTION 3.02. Authorization; Enforceability............................................................68 SECTION 3.03. Governmental Approvals; No Conflicts.....................................................69 SECTION 3.04. Financial Condition; No Material Adverse Change..........................................69 SECTION 3.05. Properties...............................................................................70 SECTION 3.06. Litigation and Environmental Matters.....................................................70 SECTION 3.07. Compliance with Laws and Agreements......................................................70 SECTION 3.08. Investment and Holding Company Status....................................................71 SECTION 3.09. Taxes....................................................................................71 SECTION 3.10. ERISA....................................................................................71 SECTION 3.11. Disclosure...............................................................................71 SECTION 3.12. Subsidiaries.............................................................................72 SECTION 3.13. Insurance................................................................................72 SECTION 3.14. Labor Matters............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP72 SECTION 3.15. Intellectual Property....................................................................72 SECTION 3.16. [omitted]................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4772 SECTION 3.17. Security Interests.......................................................................72 SECTION 3.18. Absence of Non-Permitted Obligations.....................................................73 SECTION 3.19.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS67 SECTION 3.02. Authorization; Enforceability.....................................67 SECTION 3.03. Governmental Approvals; No Conflicts..............................68 SECTION 3.04. Financial Condition; No Material Adverse Change...................68 SECTION 3.05. Properties........................................................69 SECTION 3.06. Litigation and Environmental Matters..............................69 SECTION 3.07. Compliance with Laws and Agreements...............................70 SECTION 3.08. Investment and Holding Company Status.............................70 SECTION 3.09. Taxes.............................................................70 SECTION 3.10. ERISA.............................................................70 SECTION 3.11. Disclosure........................................................71 SECTION 3.12. Subsidiaries......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS71 SECTION 3.13. Insurance.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4771 SECTION 3.14. Labor Matters.....................................................71 SECTION 3.15. Solvency..........................................................72 SECTION 3.16. No Burdensome Restrictions........................................72 SECTION 3.17. Representations in Loan Documents True and Correct................72 ARTICLE 4 CONDITIONS

Organization; Powers. 43 32 Section 3.02 AUTHORIZATION............................................................................43 7.02 Authority; Enforceability................................................................32 Section 3.03 ENFORCEABILITY...........................................................................44 7.03 Approvals; No Conflicts..................................................................32 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 7.04 Financial Condition; No Material Adverse Change..........................................33 Section 3.05 EXISTING PRACTICE REPORTS7.05 Litigation...............................................................................33 Section 7.06 Environmental Matters....................................................................34 Section 7.07 Compliance with the Laws and Agreements; UNDISCLOSED LIABILITIES.......................................44 No Defaults.....................................35 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 7.08 Investment Company Act...................................................................35 Section 3.07 TITLE TO PROPERTIES7.09 Public Utility Holding Company Act.......................................................35 Section 7.10 Taxes....................................................................................35 Section 7.11 ERISA....................................................................................36 Section 7.12 Disclosure; POSSESSION UNDER LEASES.............................................45 No Material Misstatements....................................................36 Section 3.08 OWNERSHIP7.13 Insurance................................................................................45 36 Section 3.09 LITIGATION7.14 Restriction on Liens.....................................................................37 Section 7.15 Subsidiaries.............................................................................37 Section 7.16 Location of Business and Offices.........................................................37 Section 7.17 Properties; COMPLIANCE WITH LAWS.........................................................46 Titles, Etc..................................................................37 Section 3.10 AGREEMENTS...............................................................................47 7.18 Maintenance of Properties................................................................38 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................477.19 Swap Agreements..........................................................................38 Section 7.20

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY64 SECTION 3.02. Authorization; Enforceability.......................................................64 SECTION 3.03. Governmental Approvals; No Conflicts................................................65 SECTION 3.04. Financial Condition; No Material Adverse Change...............................................................65 SECTION 3.05. Properties..........................................................................66 SECTION 3.06. Litigation and Environmental Matters................................................66 SECTION 3.07. Compliance with Laws and Agreements.................................................67 SECTION 3.08. Investment and Holding Company Status...............................................67 SECTION 3.09. Taxes...............................................................................67 SECTION 3.10. ERISA...............................................................................68 SECTION 3.11. Disclosure..........................................................................68 SECTION 3.12. Subsidiaries........................................................................68 SECTION 3.13. Insurance...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE69 SECTION 3.14. Labor Matters.......................................................................69 SECTION 3.15. Security Interests..................................................................69 SECTION 3.16. Regulatory Compliance...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4771 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS86 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability................................................ 86 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts......................................... 86 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change.............................. 87 SECTION 3.05. Properties .................................................................. 88 SECTION 3.06. Litigation and Environmental Matters......................................... 88 SECTION 3.07. Compliance with Laws and Agreements.......................................... 89 SECTION 3.08. Investment and Holding Company Status........................................ 89 SECTION 3.09. Taxes ....................................................................... 89 SECTION 3.10. ERISA ....................................................................... 90 SECTION 3.11. Disclosure .................................................................. 90 SECTION 3.12. Subsidiaries ................................................................ 90 SECTION 3.13. Insurance ................................................................... 90 SECTION 3.14. Labor Matters ............................................................... 91 SECTION 3.15. Senior Indebtedness.......................................................... 91 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTSSECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability ........................................................... SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts ........................................... SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change ................... SECTION 3.05. Properties ........................................................................ .................... SECTION 3.06. Litigation and Environmental Matters ............................................ SECTION 3.07. Compliance with Laws and Agreements ......................................... SECTION 3.08. Investment and Holding Company Status ....................................... SECTION 3.09. Taxes ....................................................................... ............................... SECTION 3.10. ERISA............................................. ........................................................ SECTION 3.11. Disclosure .................................................................. ............................ SECTION 3.12. Subsidiaries .................................................................. ......................... SECTION 3.13. Insurance ................................................................... ............................ SECTION 3.14. Labor Matters ................................................................... .................... SECTION 3.15. Solvency ..................................................................... ............................. SECTION 3.16. Senior Indebtedness ............................................................................. SECTION 3.17. Year 2000 .......................................................................... ....................

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY29 SECTION 4.02. Authorization; Enforceability...................................................29 SECTION 4.03. Governmental Approvals; No Conflicts............................................29 SECTION 4.04. Financial Condition; No Material Adverse Change.................................29 SECTION 4.05. Properties......................................................................30 SECTION 4.06. Litigation and Environmental Matters............................................30 SECTION 4.07. Compliance with Laws and Agreements.............................................30 SECTION 4.08. Investment and Holding Company Status...........................................30 SECTION 4.09. Taxes...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4731 SECTION 4.10. ERISA...........................................................................31 SECTION 4.11. Disclosure......................................................................31 SECTION 4.12. Use of Credit...................................................................31 SECTION 4.13. Subsidiaries....................................................................31 SECTION 4.14.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS37 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIESEnforceability ...............................37 SECTION 3.03. Governmental Approvals; No Conflicts ........................38 SECTION 3.04. Financial Condition; No Material Adverse Change .............38 SECTION 3.05. Properties ..................................................38 SECTION 3.06. Intellectual Property .......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4739 SECTION 3.07. Litigation and Environmental Matters ........................40 SECTION 3.08. Compliance with Laws and Agreements .........................40 SECTION 3.09. Investment and Holding Company Status .......................41 SECTION 3.10. Taxes .......................................................41 SECTION 3.11. ERISA .......................................................41 SECTION 3.12. Disclosure ..................................................41 SECTION 3.13. Insurance ...................................................41 SECTION 3.14. REIT Status .................................................42 SECTION 3.15. Solvency ....................................................42 SECTION 3.16. Margin Regulations ..........................................42 SECTION 3.17. Representations and Warranties in the Loan Documents ........42

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS64 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability ............................. 64 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts ...................... 64 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change ........... 65 SECTION 3.05. Properties ................................................ 65 SECTION 3.06. Litigation and Environmental Matters ...................... 66 SECTION 3.07. Compliance with Laws and Agreements ....................... 66 SECTION 3.08. Investment and Holding Company Status ..................... 67 SECTION 3.09. Taxes ..................................................... 67 SECTION 3.10. ERISA ..................................................... 67 SECTION 3.11. Disclosure ................................................ 67 SECTION 3.12. Subsidiaries .............................................. 68 SECTION 3.13. Insurance ................................................. 68 SECTION 3.14. Labor Matters ............................................. 68 SECTION 3.15.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS77 SECTION 4.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability..................................77 SECTION 4.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts...........................77 SECTION 4.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change................78 SECTION 4.05. Properties.....................................................78 SECTION 4.06. Litigation.....................................................79 SECTION 4.07. Environmental Matters..........................................79 SECTION 4.08. Compliance with Laws and Agreements............................81 SECTION 4.09. Investment and Holding Company Status..........................81 SECTION 4.10. Taxes..........................................................81 SECTION 4.11. ERISA..........................................................81 SECTION 4.12. Disclosure.....................................................82 SECTION 4.13.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS59 SECTION 3.02. Authorization and Enforceability.......................................................... 59 SECTION 3.03. Approvals; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESNo Conflict......................................................................... 59 SECTION 3.04. Financial Condition; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change.............................. 59 SECTION 3.05. Properties............................................................................................... 60 SECTION 3.06. Litigation and Environmental Matters................................................... 60 SECTION 3.07. Compliance with Laws and Agreements............................................... 60 SECTION 3.08. Investment Company Status.................................................................. 61 SECTION 3.09. Margin Regulations............................................................................... 61 SECTION 3.10. Taxes...................................................................................................... 61 SECTION 3.11. ERISA.................................................................................................... 61 SECTION 3.12. Disclosure.............................................................................................. 61 SECTION 3.13. Anti-Corruption Laws and Sanctions.................................................... 62 SECTION 4.01. [Reserved].............................................................................................. 62 SECTION 4.02. Conditions to Each Credit Event........................................................... 62

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS31 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability...................................... 32 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts............................... 32 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change.................... 32 SECTION 3.05. Properties......................................................... 32 SECTION 3.06. Litigation and Environmental Matters............................... 33 SECTION 3.07. Compliance with Laws and Agreements................................ 33 SECTION 3.08. Investment and Holding Company Status.............................. 33 SECTION 3.09. Taxes.............................................................. 33 SECTION 3.10. ERISA.............................................................. 33 SECTION 3.11. Disclosure......................................................... 34 SECTION 3.12. Federal Regulations................................................ 34 SECTION 3.13. Subsidiaries....................................................... 34 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 24 SECTION 6.02 AUTHORIZATION............................................................................43 Section 3.03 ; ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND ..............................24 SECTION 6.03 GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO CONFLICTS.......................24 SECTION 6.04 SEC DOCUMENTS; FINANCIAL CONDITION; NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO .............................................24 SECTION 6.05 PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; .................................................25 SECTION 6.06 LITIGATION AND ENVIRONMENTAL MATTERS.......................26 SECTION 6.07 COMPLIANCE WITH LAWS.........................................................46 Section 3.10 LAWS AND AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47........................26 SECTION 6.08 INVESTMENT AND HOLDING COMPANY STATUS......................26 SECTION 6.09 TAXES......................................................26 SECTION 6.10 ERISA......................................................26 SECTION 6.11 DISCLOSURE.................................................27 SECTION 6.12

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS52 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability.................................52 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts..........................52 Contents, p.2 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWSNo Material Adverse Change...............52 SECTION 3.05. Properties....................................................53 SECTION 3.06. Litigation and Environmental Matters..........................53 SECTION 3.07. Compliance with Laws and Agreements...........................53 SECTION 3.08. Federal Reserve Regulations...................................54 SECTION 3.09. Investment and Holding Company Status.........................54 SECTION 3.10. Taxes.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4754 SECTION 3.11. ERISA.........................................................54 SECTION 3.12. Disclosure....................................................54 ARTICLE IV CONDITIONS

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS62 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability .......................................................................................... 62 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts. ......................................................................... 62 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change......................................................... 62 SECTION 3.05. Properties ......................................................................................................................... 63 SECTION 3.06. Litigation and Environmental Matters. ............................................................................ 63 SECTION 3.07. Compliance with Laws and Agreements; No Default. .................................................... 64 SECTION 3.08. Investment Company Status. ........................................................................................... 64 SECTION 3.09. Taxes. ............................................................................................................................... 64 SECTION 3.10. ERISA .............................................................................................................................. 64 i

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................SECTION 3.02. Authorization; Enforceability................................. 44 Section 3.05 EXISTING PRACTICE REPORTSSECTION 3.03. Governmental Approvals; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................No Conflicts.......................... 45 Section 3.07 TITLE TO PROPERTIESSECTION 3.04. Financial Condition; POSSESSION UNDER LEASES.............................................No Material Adverse Change............... 45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................SECTION 3.05. Properties ................................................... 46 Section 3.10 AGREEMENTS...............................................................................SECTION 3.06. Litigation and Environmental Matters.......................... 46 SECTION 3.07. Compliance with Laws and Agreements........................... 46 SECTION 3.08. Investment and Holding Company Status......................... 47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47SECTION 3.09. Taxes ........................................................ 47 SECTION 3.10. ERISA ........................................................ 47 SECTION 3.11. Disclosure ................................................... 47 SECTION 3.12. Insurance .................................................... 47 SECTION 3.13. Leases ....................................................... 48 SECTION 3.14.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS27 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability ............................. 27 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts ...................... 27 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change ........... 27 SECTION 3.05. Properties ................................................ 27 SECTION 3.06. Litigation and Environmental Matters ...................... 28 SECTION 3.07. Compliance with Laws and Agreements ....................... 28 SECTION 3.08. Investment and Holding Company Status ..................... 28 SECTION 3.09. Taxes ..................................................... 28 SECTION 3.10. ERISA ..................................................... 28 SECTION 3.11. Disclosure ................................................ 28 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS138130 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability......................................................... 138130 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts......................................... 138131 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change....................... 139131 SECTION 3.05. Properties......................................................................................... 139131 SECTION 3.06. Litigation and Environmental Matters............................................ 140132 SECTION 3.07. Compliance with Laws and Agreements; Licenses and Permits.... 140132 SECTION 3.08. Investment Company Status............................................................ 141133 SECTION 3.09. Taxes............................................................................................... 141133 SECTION 3.10. ERISA.............................................................................................. 141133 SECTION 3.11. Disclosure........................................................................................ 141133 SECTION 3.12. Material Agreements....................................................................... 142134 SECTION 3.13. Solvency........................................................................................... 142134 SECTION 3.14. Insurance.......................................................................................... 142134 SECTION 3.15. Capitalization and Subsidiaries........................................................ 142135 SECTION 3.16. Security Interest in Collateral........................................................... 143135 SECTION 3.17. Labor Disputes................................................................................. 143135 SECTION 3.18. Federal Reserve Regulations............................................................ 143135

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS27 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability ................................ 27 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts ......................... 27 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change .............. 28 SECTION 3.05. Properties ................................................... 28 SECTION 3.06. Litigation and Environmental Matters ......................... 28 SECTION 3.07. Compliance with Laws and Agreements .......................... 28 SECTION 3.08. Investment and Holding Company Status ........................ 28 SECTION 3.09. Taxes ........................................................ 29 SECTION 3.10. ERISA ........................................................ 29 SECTION 3.11. Disclosure ................................................... 29 SECTION 3.12. Use of Proceeds .............................................. 29 SECTION 3.13. Subsidiaries ................................................. 29 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS30 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability................................................30 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts.........................................31 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change..............................31 SECTION 3.05. Properties...................................................................31 SECTION 3.06. Litigation and Environmental Matters.........................................31 SECTION 3.07. Compliance with Laws and Agreements..........................................32 SECTION 3.08. Investment and Holding Company Status........................................32 SECTION 3.09. Taxes........................................................................32 SECTION 3.10. ERISA........................................................................32 SECTION 3.11. Disclosure...................................................................32 3 Contents, p.

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS76 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability............................. 76 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts...................... 76 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change................................... 77 SECTION 3.05. Properties................................................ 79 SECTION 3.06. Litigation and Environmental Matters...................... 80 SECTION 3.07. Compliance with Laws and Agreements....................... 81 SECTION 3.08. Investment and Holding Company Status..................... 81 SECTION 3.09. Taxes..................................................... 82 SECTION 3.10. ERISA..................................................... 82 SECTION 3.11. Disclosure................................................ 82 SECTION 3.12. Subsidiaries.............................................. 83 SECTION 3.13. Insurance................................................. 83 SECTION 3.14. Labor Matters............................................. 83 SECTION 3.15. Solvency.................................................. 84 SECTION 3.16. Senior Indebtedness....................................... 84 SECTION 3.17. Security Documents........................................ 84 SECTION 3.18. Weider Acquisition........................................ 86 SECTION 3.19. Capitalization of Holdings................................ 86

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS61 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIESEnforceability...............................................61 SECTION 3.03. Governmental Approvals; No Conflicts........................................61 SECTION 3.04. Financial Condition; No Material Adverse Change.............................62 SECTION 3.05. Properties..................................................................62 SECTION 3.06. Litigation and Environmental Matters........................................62 SECTION 3.07. Compliance with Laws and Agreements.........................................63 SECTION 3.08. Investment and Holding Company Status.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE63 SECTION 3.09. Taxes.......................................................................63 SECTION 3.10. ERISA.......................................................................63 SECTION 3.11. Disclosure; Accuracy of Information.........................................64 SECTION 3.12. Subsidiaries................................................................64 SECTION 3.13. Insurance...................................................................64 SECTION 3.14. Labor Matters...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4764 SECTION 3.15. Solvency....................................................................65 SECTION 3.16. Federal Reserve Regulations.................................................65 SECTION 3.17. Security Interests..........................................................65 SECTION 3.18. Use of Proceeds.............................................................66

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS33 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability.................................... 33 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts............................. 34 SECTION 3.04. Financial Statements; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change................. 34 SECTION 3.05. Litigation and Environmental Matters............................. 34 SECTION 3.06. Compliance with Laws and Agreements.............................. 35 SECTION 3.07. Investment and Holding Company Status............................ 35 SECTION 3.08. ERISA ........................................................... 35 SECTION 3.09. Disclosure....................................................... 35 SECTION 3.10. Security Interests............................................... 35 SECTION 3.11. Use of Proceeds.................................................. 37 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS31 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability............................. 32 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts...................... 32 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change........... 32 SECTION 3.05. Properties................................................ 32 SECTION 3.06. Litigation and Environmental Matters...................... 33 SECTION 3.07. Compliance with Laws and Agreements....................... 33 SECTION 3.08. Certain Legal Matters..................................... 33 SECTION 3.09. Taxes..................................................... 34 SECTION 3.10. ERISA..................................................... 34 SECTION 3.11. Disclosure................................................ 34 SECTION 3.12. Material Agreements....................................... 34 ARTICLE IV CONDITIONS

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS13 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIESEnforceability.............................................13 SECTION 3.03. Governmental Approvals; No Conflicts......................................13 SECTION 3.04. Financial Condition; No Material Adverse Change...........................13 SECTION 3.05. Litigation................................................................14 SECTION 3.06. Compliance with Laws and Agreements.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE14 SECTION 3.07. Taxes.....................................................................14 SECTION 3.08. Origination...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4714 SECTION 3.09. HELOCs....................................................................14 ARTICLE IV CONDITIONS.....................................................................14 SECTION 4.01. Documentary Conditions....................................................14 SECTION 4.02. Other Conditions..........................................................15 SECTION 4.03. Effective Date............................................................16

Organization; Powers. 43 Section 3.02 AUTHORIZATION47 SECTION 3.02. Authorization; Enforceability............................................................48 SECTION 3.03. Governmental Approvals; No Conflicts.....................................................48 SECTION 3.04. Financial Condition; No Material Adverse Change...................................................................................48 SECTION 3.05. Properties...............................................................................49 SECTION 3.06. Litigation and Environmental Matters.....................................................50 SECTION 3.07. Compliance with Laws and Agreements......................................................50 SECTION 3.08. Investment and Holding Company Status....................................................51 SECTION 3.09. Taxes....................................................................................51 SECTION 3.10. ERISA....................................................................................51 SECTION 3.11. Disclosure...............................................................................51 SECTION 3.12. Subsidiaries.............................................................................52 SECTION 3.13. Insurance................................................................................52 SECTION 3.14. Labor Matters............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4752 SECTION 3.15. Solvency.................................................................................52 ARTICLE IV Conditions

Organization; Powers. 43 Section 3.02 AUTHORIZATION............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS71 SECTION 3.02. Authorization; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIESEnforceability......................................... 71 SECTION 3.03. Governmental Approvals; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATIONNo Conflicts........................................................... 72 SECTION 3.04. Financial Condition; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................47No Material Adverse Change...................................................... 72 SECTION 3.05. Properties............................................................ 73 SECTION 3.06. Litigation and Environmental Matters............................................................. 74 SECTION 3.07. Compliance with Laws and Agreements.......................................................... 74 SECTION 3.08. Investment and Holding Company Status.............................................................. 74 SECTION 3.09. Taxes................................................................. 74 SECTION 3.10. ERISA................................................................. 75 SECTION 3.11. Disclosure............................................................ 75 SECTION 3.12. Subsidiaries.......................................................... 75 SECTION 3.13. Insurance............................................................. 76 SECTION 3.14. Labor Matters......................................................... 76 SECTION 3.15. Solvency.............................................................. 76 SECTION 3.16.

Organization; Powers. 43 Section 3.02 AUTHORIZATION89 SECTION 3.02. Authorization; Enforceability............................................................89 SECTION 3.03. Governmental Approvals; No Conflicts.....................................................89 SECTION 3.04. Financial Condition; No Material Adverse Change..........................................90 SECTION 3.05. Properties...............................................................................91 SECTION 3.06. Litigation and Environmental Matters.....................................................92 SECTION 3.07. Compliance with Laws and Agreements......................................................92 SECTION 3.08. Investment and Holding Company Status....................................................92 SECTION 3.09. Taxes....................................................................................93 SECTION 3.10. ERISA....................................................................................93 SECTION 3.11. Disclosure...............................................................................93 SECTION 3.12. Subsidiaries.............................................................................94 SECTION 3.13. Insurance................................................................................94 SECTION 3.14. Labor Matters............................................................................43 Section 3.03 ENFORCEABILITY...........................................................................44 Section 3.04 CONSENTS AND GOVERNMENTAL APPROVALS......................................................44 Section 3.05 EXISTING PRACTICE REPORTS; UNDISCLOSED LIABILITIES.......................................44 Section 3.06 NO MATERIAL ADVERSE CHANGE...............................................................45 Section 3.07 TITLE TO PROPERTIES; POSSESSION UNDER LEASES.............................................45 Section 3.08 OWNERSHIP................................................................................45 Section 3.09 LITIGATION; COMPLIANCE WITH LAWS.........................................................46 Section 3.10 AGREEMENTS...............................................................................47 Section 3.11 FEDERAL RESERVE REGULATIONS..............................................................4794 SECTION 3.15. Solvency.................................................................................94 SECTION 3.16.