EXHIBIT 10.2

[Execution]

AMENDMENT NO. 2 TO
LOAN AND SECURITY AGREEMENT

          AMENDMENT NO. 2 TO LOAN AND SECURITY AGREEMENT, dated as of December
22, 2004, by and among Spartan Stores, Inc., a Michigan corporation ("Lead
Borrower"), Spartan Stores Distribution, LLC, a Michigan limited liability
company ("Stores Distribution"), UWG Company, formerly known as United Wholesale
Grocery Company, a Michigan corporation ("United"), Market Development
Corporation, a Michigan corporation ("MDC"), Spartan Stores Associates, LLC, a
Michigan limited liability company ("Associates"), Family Fare, LLC, a Michigan
limited liability company ("Family Fare"), MSFC, LLC, a Michigan limited
liability company ("MSFC"), Seaway Food Town, Inc., a Michigan corporation
("Seaway"), The Pharm of Michigan, Inc. ("Pharm"), a Michigan corporation,
Valley Farm Distributing Co., an Ohio corporation ("Valley Farm"), Gruber's Food
Town, Inc., a Michigan corporation ("Gruber Food Town"), Gruber's Real Estate,
LLC, a Michigan limited liability company ("Gruber RE"), Prevo's Family Markets,
Inc., a Michigan corporation ("Prevo"), Custer Pharmacy, Inc., a Michigan
corporation ("Custer"), Buckeye Real Estate Management Co., an Ohio corporation
("Buckeye"), Spartan Stores Fuel, LLC, a Michigan limited liability company
(together with Lead Borrower, Stores Distribution, United, MDC, Associates,
Family Fare, MSFC, Seaway, Pharm, Valley Farm, Gruber Food Town, Gruber RE,
Prevo, Custer and Buckeye, each individually a "Borrower" and collectively,
"Borrowers"), Spartan Stores Holding, Inc., a Michigan corporation ("Holding"),
SI Insurance Agency, Inc., a Michigan corporation ("SI"), JFW Distributing
Company, a Michigan corporation ("JFW"), LLJ Distributing Company, a Michigan
corporation (together with Holding, SI and JFW, each individually a "Guarantor"
and collectively, "Guarantors"), the parties to the Loan Agreement (as
hereinafter defined) from time to time as lenders (each individually, a "Lender"
and collectively, "Lenders") and Congress Financial Corporation (Central), an
Illinois corporation, in its capacity as agent for Lenders (in such capacity,
"Agent").

W I T N E S S E T H :

          WHEREAS, Borrowers and Guarantors have entered into financing
arrangements with Agent and Lenders pursuant to which Lenders (or Agent on
behalf of Lenders) have made and may make loans and advances and provide other
financial accommodations to Borrowers as set forth in the Loan and Security
Agreement, dated December 23, 2003, by and among Borrowers, Guarantors, Agent
and Lenders, as amended and supplemented by Amendment No. 1 to Loan and Security
Agreement, dated as of July 29, 2004 (as the same now exists and is amended and
supplemented pursuant hereto and may hereafter be further amended, modified,
supplemented, extended, renewed, restated or replaced, the "Loan Agreement") and
the other Financing Agreements (as defined therein); and

          WHEREAS, Lead Borrower has requested Agent and Lenders consent to the
prepayment in full of the Supplemental Loan Debt and agree to certain amendments
to the Loan Agreement, and Agent and Lenders are willing to provide such consent
and agree to such amendments, subject to the terms and conditions herein; and

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          WHEREAS, by this Amendment No. 2, Borrowers, Guarantors, Agent and
Lenders desire and intend to evidence such consents and amendments;

          NOW THEREFORE, in consideration of the foregoing, the mutual
agreements and covenants contained herein and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereto agree as follows:

          1.   Definitions.

                    1.1   Additional Definitions. As used herein, the following
terms shall have the meanings given to them below, and the Loan Agreement and
the other Financing Agreements are hereby amended to include, in addition and
not in limitation, the following definitions:

                              (a)   "Amendment No. 2" shall mean this Amendment
No. 2 to Loan and Security Agreement by and among Borrowers, Guarantors, Agent
and Lenders, as it now exists or may hereafter be amended, modified,
supplemented, extended, renewed, restated or replaced.

                              (b)   "Eligible Leased Property" shall mean, as to
any of the Real Property listed on Exhibit A hereto, the leasehold interest of
the applicable Borrower in such Real Property upon written confirmation from
Agent to Parent that each of the conditions set forth below as to such leasehold
interest in such Real Property have been satisfied. The leasehold interest of a
Borrower in any of the Real Property listed on Exhibit A hereto shall not
constitute Eligible Leased Property unless and until Agent shall have received
each of the following, in form and substance satisfactory to Agent, as to such
leasehold interest: evidence that Agent has a valid and perfected first priority
collateral assignment of the leasehold interest of a Borrower in such Real
Property in form and substance similar to the Collateral Assignment of Leases
given by Family Fare to Agent; evidence that the lease or a memorandum of lease
with respect to the leasehold interest of a Borrower in such Real Property has
been properly filed and is of record in the correct governmental office, and
Agent shall have received evidence thereof; fixture filings naming Agent, as
secured party and the applicable Borrowers and Guarantors, as debtor have been
filed with respect to such Real Property; a current appraisal as to the
leasehold interest of a Borrower in such Real Property by an appraiser
acceptable to Agent, in form, scope and methodology acceptable to Agent,
addressed to Agent and upon which Agent is expressly permitted to rely; consent
of the landlord to the collateral assignment of such leasehold interest; and a
flood insurance certificate certified to Agent indicating whether or not each
parcel of such Real Property is situated in an area designated as having special
flood hazards and evidence of flood insurance if the improvements located on any
such Real Property are determined to be situated in an area designated as having
special flood hazards.

                              (c)   "Leasehold Availability" shall mean, at any
time, the lesser of $5,000,000 and seventy-five (75%) percent of the fair market
value of the then Eligible Leased Property, provided, that, (A) there shall be
no Leasehold Availability unless and until such time as the aggregate amount of
the appraised fair market value of the leasehold interests of Borrowers
constituting Eligible Leased Property as provided in the definition thereof is
equal to or greater than $1,000,000, (B) at such time as there is Leasehold
Availability as provided in clause (A) of this definition, the amount thereof as
of the last day of the month in which there is such initial Leasehold
Availability, shall be reduced automatically and without further action by the
parties

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effective as of the first day of the immediately following month and as of the
first day of each month thereafter, by an amount equal to such initial Leasehold
Availability divided by eighty-four (84), (C) if after the last day of the month
in which there is the initial Leasehold Availability as provided in clause (A)
of this definition, any leasehold interests of Borrowers listed on Exhibit A
hereto not previously constituting Eligible Leased Property shall become
Eligible Leased Property as provided in the definition thereof, the Leasehold
Availability shall not be increased unless and until such time as the aggregate
amount of the appraised fair market value of such leasehold interests of
Borrowers that come to constitute Eligible Leased Property as provided in the
definition thereof is equal to or greater than $500,000, (D) at any time as the
Leasehold Availability is increased as described in clause (C) of this
definition, the amount of such increase as of the last day of the month in which
such increase becomes effective shall be reduced automatically and without
further action by the parties effective as of the first day of the immediately
following month and as of the first day of each month thereafter, by an amount
equal to such increase in the Leasehold Availability divided by eighty-four
(84).

                    1.2   Amendments to Definitions.

                              (a)   The definition of the term "Applicable
Margin" in the Loan Agreement is hereby amended to delete the table therein and
replace it with the following:

 

Tier

Monthly Average
Excess Availability

Applicable
Prime
Rate Margin

Applicable
Eurodollar
Rate Margin

 

 

 

 

 

 

 

 

1

$50,000,000 or more

0%

1 3/4 %

 

 

 

 

 

 

 

 

2

Greater than or equal
to $25,000,000 and
less than $50,000,000

1/4%

2%

 

 

 

 

 

 

 

 

3

Less than $25,000,000

1/2%

2 1/4 %

 

                              (b)   The definition of the term "Borrowing Base"
in the Loan Agreement is hereby amended to: delete Section 1.10(a)(i)(B) thereof
in its entirety and replace it with the following: "(B) ninety (90%) percent of
Eligible Credit Card Receivables", delete at the end of Section 1.10(a)(i)(G)
the word "or" and insert in its place the word "plus", and add at the end of
Section 1.10(a)(i) a new Section 1.10(a)(i)(H) as follows: "plus (H) Leasehold
Availability; or".

                              (c)   The definition of the term "Commitment" in
the Loan Agreement is hereby amended in its entirety to read as follows:
"Commitment" shall mean, at any time, as to each Lender, the principal amount
set forth on Exhibit B hereto for each Lender or on Schedule 1 to the Assignment
and Acceptance Agreement pursuant to which any person that becomes a Lender
hereunder after the date hereof in accordance with the provisions of Section
13.7 hereof, as the same may be adjusted from time to time in accordance with
the terms hereof; sometimes being collectively referred to herein as
"Commitments".

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                              (d)   The definition of the term "Fixed Asset
Availability" in the Loan Agreement is hereby amended in its entirety to read as
follows: "Fixed Asset Availability" shall mean the amount equal to the lesser
of:

             (i)   the Fixed Asset Availability Limit; or

             (ii)   the sum of:

          (A)   seventy (70%) percent of the fair market value of Eligible Real
Property as set forth in the most recent acceptable appraisal (or acceptable
updates of existing appraisals) of such Real Property received by Agent in
accordance with Section 7.4 hereof, plus

          (B)   eighty-five (85%) percent of the forced liquidation value of the
Eligible Equipment as set forth in the most recent acceptable appraisal (or
acceptable updates of existing appraisals) of such Equipment received by Agent
in accordance with Section 7.4 hereof;

Provided, that, the Fixed Asset Availability shall be reduced as of the first
day of each month, commencing on January 1, 2005, by an amount equal to the
initial Fixed Asset Availability divided by eighty-four (84).

                              (e)   The definition of the term "Fixed Asset
Availability Limit" in the Loan Agreement is hereby amended to delete the
reference to "$40,000,000" contained therein and replace it with the following:
"$52,000,000".

                              (f)   The definition of the term "Maximum Credit"
in the Loan Agreement is hereby amended to delete the reference to
"$170,000,000" and replace it with the following: "$215,000,000".

                    1.3   Interpretation. For purposes of this Amendment No. 2,
unless otherwise defined herein, all capitalized terms used herein shall have
the respective meanings assigned to such terms in the Loan Agreement.

          2.   Letter of Credit Accommodations. Section 2.2(b) of the Loan
Agreement is hereby amended to delete the table therein and replace it with the
following:

 

Tier

Monthly Average
Excess Availability

Applicable Letter of
Credit Fee Margin

 

 

 

 

 

 

 

1

$50,000,000 or more

1 3/4%

 

 

 

 

 

 

 

2

Greater than or equal to
$25,000,000 and less
than $50,000,000

2%

 

 

 

 

 

 

 

3

Less than $25,000,000

2 1/4%

 

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          3.   Fees. Section 3.2(a) is hereby amended to add, after the words
"Fixed Asset Availability", the words "and Leasehold Availability".

          4.   Collection of Accounts.

                    4.1   Section 6.3(a)(iv)(B) of the Loan Agreement is hereby
deleted in its entirety and replaced with the following: "(B) at any time Excess
Availability is less than $20,000,000."

                    4.2   The sixth sentence of Section 6.3(a)(iv) of the Loan
Agreement is hereby amended to delete the words "for any month ending on or
before December 31, 2004 or $30,000,000 for any month ending thereafter."

          5.   Loans, Investments, Etc. Section 9.10(i)(xiii) of the Loan
Agreement is hereby deleted in its entirety and replaced with the following:

> "(xiii)          in no event shall any Accounts, Inventory, Equipment, Real
> Property or Prescription Files so acquired by any Borrower pursuant to such
> acquisition be deemed Eligible Accounts, Eligible Inventory, Eligible
> Equipment, Eligible Real Property, Eligible Leased Property or Eligible
> Prescription Files, respectively, unless and until Agent shall have conducted
> a field examination with respect thereto (and at Agent's option, at Borrowers'
> expense, obtained an appraisal of such Inventory, Equipment, Real Property or
> Prescription Files by an appraiser reasonably acceptable to Agent and in form,
> scope and methodology reasonably acceptable to Agent and addressed to Agent
> and upon which Agent is expressly permitted to rely, which appraisal shall be
> in addition to any appraisals which Agent may obtain pursuant to its rights
> under Sections 7.3 or 7.4 hereof) and then only to the extent the criteria for
> Eligible Accounts, Eligible Inventory, Eligible Equipment, Eligible Real
> Property, Eligible Leased Property or Eligible Prescription Files set forth
> herein are satisfied with respect thereto in accordance with this Agreement
> (or such other or additional criteria as Agent may, at its option, establish
> with respect thereto in accordance with this Agreement and subject to such
> Reserves as Agent may establish in accordance with this Agreement), and upon
> the request of Agent, the Accounts, Inventory, Equipment, Real Property or
> Prescription Files acquired by such Borrower or Guarantor pursuant to such
> acquisition shall at all times after such acquisition be separately identified
> and reported to Agent in a manner satisfactory to Agent;"

          6.   Minimum EBITDA. Section 9.18 of the Loan Agreement is hereby
deleted in its entirety and replaced with the following:

> "9.18          Minimum EBITDA. At any time that Excess Availability is less
> than $30,000,000, the EBITDA of Parent and its Subsidiaries for the twelve
> (12) or thirteen (13), as applicable, consecutive fiscal four (4) week periods
> (treated as a single accounting period and with each fiscal four (4) week
> period determined in accordance with the current accounting practices of
> Borrowers and Guarantors as in effect on the date hereof) ending on the last
> day of the most recent fiscal four (4) week period for which financial
> statements of Parent and its Subsidiaries are

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> available or have been received by Agent shall be not less than $40,000,000
> with respect to such period."

          7.   Capital Expenditures. Schedule 9.19 to the Loan Agreement is
hereby deleted in its entirety and replaced with the revised Schedule 9.19
attached as Exhibit C hereto.

          8.   Amendments and Waivers. Section 11.3(d) of the Loan Agreement is
hereby deleted in its entirety and replaced with the following:

> "(d)          The consent of Agent shall be required for any amendment, waiver
> or consent affecting the rights or duties of Agent hereunder or under any of
> the other Financing Agreements, in addition to the consent of the Lenders
> otherwise required by this Section and the exercise by Agent of any of its
> rights hereunder with respect to Reserves or Eligible Accounts, Eligible
> Inventory, Eligible Credit Card Receivables, Eligible Equipment, Eligible
> Prescription Files, Eligible Real Property or Eligible Leased Property shall
> not be deemed an amendment to the advance rates provided for in this Section
> 11.3."

          9.   Term. Section 13.1(a) of the Loan Agreement is hereby amended by
deleting the reference therein to "FOUR (4) YEARS" from the first sentence
thereof and replacing it with "FIVE (5) YEARS".

          10.   Consent. Subject to the terms and conditions contained herein,
to the extent such consent is or may be required under the Loan Agreement, Agent
and Lenders hereby consent to the repayment by Borrowers and Guarantors of all
Indebtedness of Lead Borrower to the Supplemental Loan Agent and Supplemental
Loan Lenders evidenced by or arising under the Supplemental Loan Agreement and
the other Supplemental Loan Lender Agreements, provided, that, as to such
repayment each of the following conditions shall have been satisfied:

                    10.1   the total amount of such payment shall not exceed
$14,000,000 in principal, plus accrued interest, fees and other amounts payable
under the Supplemental Loan Lender Agreements;

                    10.2   such payment shall satisfy all obligations of
Borrowers and Guarantors under the Supplemental Loan Agreement and the other
Supplemental Loan Lender Agreements, and Borrowers and Guarantors shall have no
other or further obligations or liabilities thereunder other than such
contingent indemnification obligations (but not any interests in assets to
secure such obligations) which by the terms of the Supplemental Loan Agreement
and the other Supplemental Loan Lender Agreements expressly survive such
payment;

                    10.3   immediately upon any such payment, Supplemental Loan
Agent and Supplemental Loan Lenders shall not have any interests in the assets
of any Borrower or Guarantor under or pursuant to the Supplemental Loan
Agreement or any of the other Supplemental Loan Lender Agreements;

                    10.4   Agent shall have received the agreement of the
Supplemental Loan Agent, in form and substance satisfactory to Agent, that the
Supplemental Loan Intercreditor Agreement is

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terminated and of no further force and effect, as duly authorized, executed and
delivered by the Supplemental Loan Agent, Borrowers and Guarantors;

                    10.5   Agent shall have received a payoff letter from the
Supplemental Loan Agent, in form and substance satisfactory to Agent in good
faith, in which the Supplemental Loan Agent states the amount required to be
paid to satisfy all of Borrowers' and Guarantors' obligations under the
Supplemental Loan Lender Agreement and agrees to provide, immediately following
receipt of such amount, all releases, terminations and such other documents as
Agent may request to evidence and effectuate the termination by Supplemental
Loan Agent and Supplemental Loan Lenders of their respective financing
arrangements with Borrowers and Guarantors and the termination and release by it
or them, as the case may be, of any interest in and to any assets and properties
of each Borrower and Guarantor, duly authorized, executed (to the extent
execution is required) and delivered by it or each of them, including, but not
limited to, (i) UCC termination statements for all UCC financing statements
previously filed by it or any of them or their predecessors, as secured party
and any Borrower or Guarantor, as debtor; and (ii) satisfactions and discharges
of any mortgages, deeds of trust or deeds to secure debt by any Borrower or
Guarantor in favor of it or any of them, in form acceptable for recording with
the appropriate Governmental Authority;

                    10.6   such payment shall be made by, and all of the
conditions set forth in this Section 9 shall have been satisfied by, no later
than January 31, 2005; and

                    10.7   as of the date of such payment and after giving
effect thereto, no Default or Event of Default shall have occurred and be
continuing.

          11.   Amendment Fee. In addition to all other fees, charges, interest
and expenses payable by any Borrower or Guarantor to Agent or Lenders under the
Loan Agreement and the other Financing Agreements, Borrowers and Guarantors
shall pay to Agent for the account of Lenders (in such manner as Agent may
agree), contemporaneously with the effectiveness of this Amendment No. 2, an
amendment fee in the amount of $350,000, which fee shall be fully earned and
nonrefundable as of the date hereof and may be charged to any loan account of
Borrowers.

          12.   Representations and Warranties. Each Borrower and Guarantor
hereby represents and warrants to Agent and Lenders the following (which shall
survive the execution and delivery of this Amendment No. 2), the truth and
accuracy of which are a continuing condition of the making of Loans and
providing Letter of Credit Accommodations to Borrowers:

                    12.1   This Amendment No. 2 and each other agreement or
instrument to be executed and delivered by the Borrowers and Guarantors pursuant
hereto have been duly authorized, executed and delivered by all necessary action
on the part of each of the Borrowers and Guarantors which is a party hereto and
thereto and, if necessary, their respective stockholders and is in full force
and effect as of the date hereof, as the case may be, and the agreements and
obligations of each of the Borrowers and Guarantors, as the case may be,
contained herein and therein, constitute the legal, valid and binding
obligations of each of the Borrowers and Guarantors, respectively, enforceable
against them in accordance with their terms, except as enforceability is limited
by bankruptcy, insolvency, reorganization, moratorium or other laws relating to
or affecting generally the enforcement of creditors' rights and except to the
extent that

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availability of the remedy of specific performance or injunctive relief is
subject to the discretion of the court before which any proceeding therefor may
be brought.

                    12.2   The execution, delivery and performance of this
Amendment No. 2 are all within each Borrower's and Guarantor's corporate or
limited liability company powers and are not in contravention of law or the
terms of any Borrower's or Guarantor's certificate or articles of incorporation,
by laws, or other organizational documentation, or any indenture, agreement or
undertaking to which any Borrower or Guarantor is a party or by which any
Borrower or Guarantor or its property are bound.

                    12.3   No Default or Event of Default exists or has occurred
and is continuing.

          13.   Condition Precedent. The effectiveness of the consent and
amendments contained herein shall only be effective upon the following:

                    13.1   Agent shall have received an original of this
Amendment No. 2, duly authorized, executed and delivered by Borrowers and
Guarantors;

                    13.2   Agent shall have received an original of this
Amendment No. 2 as executed by all Lenders required for the consent and
amendments provided for herein;

                    13.3   each of the conditions set forth above shall have
occurred by no later than January 31, 2005.

          14.   Effect of this Amendment. Except as expressly amended pursuant
hereto and except for the consent expressly granted herein, no other changes or
modifications to the Financing Agreements are intended or implied, and, in all
other respects, the Financing Agreements are hereby specifically ratified,
restated and confirmed by all parties hereto as of the effective date hereof. To
the extent that any provision of the Loan Agreement or any of the other
Financing Agreements are inconsistent with the provisions of this Amendment No.
2, the provisions of this Amendment No. 2 shall control.

          15.   Further Assurances. Borrowers and Guarantors shall execute and
deliver such additional documents and take such additional action as may be
reasonably requested by Agent to effectuate the provisions and purposes of this
Amendment No. 2.

          16.   Governing Law. The validity, interpretation and enforcement of
this Amendment No. 2 and the other Financing Agreements (except as otherwise
provided therein) and any dispute arising out of the relationship between the
parties hereto, whether in contract, tort, equity or otherwise, shall be
governed by the internal laws of the State of Illinois but excluding any
principles of conflicts of law or other rule of law that would cause the
application of the law of any jurisdiction other than the laws of the State of
Illinois.

          17.   Binding Effect. This Amendment No. 2 shall be binding upon and
inure to the benefit of each of the parties hereto and their respective
successors and assigns.

          18.   Headings. The headings listed herein are for convenience only
and do not constitute matters to be construed in interpreting this Amendment No.
2.

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          19.   Counterparts. This Amendment No. 2 may be executed in any number
of counterparts, each of which shall be an original, but all of which taken
together shall constitute one and the same agreement. Delivery of an executed
counterpart of this Amendment No. 2 by telefacsimile shall have the same force
and effect as the delivery of an original executed counterpart of this Amendment
No. 2. Any party delivering an executed counterpart of this Amendment No. 2 by
telefacsimile shall also deliver an original executed counterpart, but the
failure to do so shall not affect the validity, enforceability or binding effect
of such agreement.

[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

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          IN WITNESS WHEREOF, the parties hereto have caused this Amendment No.
2 to be duly executed and delivered by their authorized officers as of the day
and year first above written.

AGENT

 

BORROWERS

 

 

 

CONGRESS FINANCIAL CORPORATION
     (CENTRAL), as Agent

 

SPARTAN STORES, INC.

 

 

 

By:

 

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By:

 

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Title:

 

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Title:

 

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SPARTAN STORES DISTRIBUTION, LLC
UWG COMPANY (F/K/A UNITED WHOLESALE GROCERY COMPANY)
MARKET DEVELOPMENT CORPORATION
SPARTAN STORES ASSOCIATES, LLC
FAMILY FARE, LLC
MSFC, LLC
SEAWAY FOOD TOWN, INC.
THE PHARM OF MICHIGAN, INC.
VALLEY FARM DISTRIBUTING CO.
GRUBER'S FOOD TOWN, INC.
GRUBER'S REAL ESTATE LLC
PREVO'S FAMILY MARKETS, INC.
CUSTER PHARMACY, INC.
BUCKEYE REAL ESTATE
MANAGEMENT CO.
SPARTAN STORES FUEL, LLC

 

 

 

 

 

By:

 

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Title:

 

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GUARANTORS

JFW DISTRIBUTING COMPANY
LLJ DISTRIBUTING COMPANY
SPARTAN STORES HOLDING, INC.
SI INSURANCE AGENCY, INC.

 

 

 

 

 

By:

 

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Title:

 

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LENDERS

 

 

 

 

 

CONGRESS FINANCIAL CORPORATION
     (CENTRAL)

 

 

 

 

 

By:

 

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Title:

 

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KEY BANK NATIONAL ASSOCIATION

 

 

 

 

 

By:

 

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Title:

 

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FLEET CAPITAL CORPORATION

 

 

 

 

 

By:

 

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Title:

 

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NATIONAL CITY BUSINESS CREDIT

 

 

 

 

 

By:

 

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Title:

 

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GENERAL ELECTRIC CAPITAL
CORPORATION

 

 

 

 

 

By:

 

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Title:

 

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FIFTH THIRD BANK

 

 

 

 

 

By:

 

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Title:

 

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