Exhibit
10.2
 Execution Version




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TABLE OF CONTENTS
 PageARTICLE 1DefinitionsSection 1.01. Defined Terms
    
    
    1Section 1.02. Terms Generally
    
    
    43Section 1.03. Classification of Loans and Borrowings
    
    
    43ARTICLE 2The CreditsSection 2.01. Commitments
    
    
    44Section 2.02. Loans
    
    
    44Section 2.03. Borrowing Procedure
    
    
    45Section 2.04. Evidence of Debt; Repayment of Loans
    
    
    45Section 2.05. Fees
    
    
    46Section 2.06. Interest on Loans
    
    
    46Section 2.07. Default Interest
    
    
    47Section 2.08. Alternate Rate of Interest
    
    
    47Section 2.09. Termination and Reduction of Commitments
    
    
    47Section 2.10. Conversion and Continuation of Borrowings
    
    
    48Section 2.11. Repayment of Term Borrowings
    
    
    49Section 2.12. Voluntary Prepayment
    
    
    49Section 2.13. Mandatory Prepayments
    
    
    50Section 2.14. Reserve Requirements; Change in Circumstances
    
    
    54Section 2.15. Change in Legality
    
    
    55Section 2.16. Breakage
    
    
    55Section 2.17. Pro Rata Treatment
    
    
    56Section 2.18. Sharing of Setoffs
    
    
    56Section 2.19. Payments
    
    
    57Section 2.20. Taxes
    
    
    57Section 2.21. Assignment of Commitments Under Certain Circumstances; Duty to Mitigate
    
    
    60ARTICLE 3Representations and WarrantiesSection 3.01. Company Status
    
    
    62Section 3.02. Power and Authority
    
    
    62Section 3.03. No Violation
    
    
    62Section 3.04. Approvals
    
    
    63Section 3.05. Financial Statements; Financial Condition; Undisclosed Liabilities; Projections
    
    
    63
  i




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PageSection 3.06. Litigation
    
    
    65Section 3.07. True and Complete Disclosure
    
    
    65Section 3.08. Use of Proceeds; Margin Regulations
    
    
    65Section 3.09. Tax Returns and Payments
    
    
    66Section 3.10. Compliance with ERISA
    
    
    66Section 3.11. Security Documents
    
    
    66Section 3.12. Properties
    
    
    67Section 3.13. Capitalization
    
    
    67Section 3.14. Subsidiaries
    
    
    67Section 3.15. Compliance with Statutes, Etc.
    
    
    67Section 3.16. Investment Company Act
    
    
    68Section 3.17. Insurance
    
    
    68Section 3.18. Environmental Matters
    
    
    68Section 3.19. Employment and Labor Relations
    
    
    69Section 3.20. Intellectual Property, Etc.
    
    
    69Section 3.21. Indebtedness
    
    
    69Section 3.22. Anti-Terrorism Law
    
    
    70Section 3.23. Servicing Agreements
    
    
    70Section 3.24. Agreements
    
    
    71Section 3.25. Transaction Documents
    
    
    71Section 3.26. Foreign Corrupt Practices Act
    
    
    71ARTICLE 4Conditions of LendingSection 4.01. [Reserved]
    
    
    71Section 4.02. Conditions of Borrowing
    
    
    71ARTICLE 5Affirmative CovenantsSection 5.01. Information Covenants
    
    
    77Section 5.02. Books, Records and Inspections
    
    
    81Section 5.03. Maintenance of Property; Insurance
    
    
    81Section 5.04. Existence; Franchises
    
    
    83Section 5.05. Compliance with Statutes, Etc.
    
    
    83Section 5.06. Compliance with Environmental Laws
    
    
    83Section 5.07. ERISA
    
    
    84Section 5.08. End of Fiscal Years; Fiscal Quarters
    
    
    84Section 5.09. Performance of Obligations
    
    
    84Section 5.10. Payment of Taxes
    
    
    85Section 5.11. Use of Proceeds
    
    
    85Section 5.12. Additional Security; Further Assurances; Etc.
    
    
    85Section 5.13. [Reserved]
    
    
    86Section 5.14. [Reserved]
    
    
    86
  ii




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PageSection 5.15. [Reserved]
    
    
    86Section 5.16. [Reserved]
    
    
    87Section 5.17. [Reserved]
    
    
    87Section 5.18. Maintenance of Company Separateness
    
    
    87Section 5.19. Certain Required Dividends
    
    
    87Section 5.20. Maintenance of Ratings
    
    
    88Section 5.21. Post-Closing Items
    
    
    88ARTICLE 6Negative CovenantsSection 6.01. Liens
    
    
    88Section 6.02. Consolidation, Merger, Purchase or Sale of Assets, Etc.
    
    
    92Section 6.03. Dividends
    
    
    95Section 6.04. Indebtedness
    
    
    96Section 6.05. Advances, Investments and Loans
    
    
    100Section 6.06. Transactions with Affiliates
    
    
    105Section 6.07. Capital Expenditures
    
    
    106Section 6.08. Interest Expense Coverage Ratio
    
    
    107Section 6.09. Total Leverage Ratio
    
    
    107Section 6.10. Modifications of Certain Agreements
    
    
    108Section 6.11. Limitation on Certain Restrictions on Subsidiaries
    
    
    108Section 6.12. Limitation on Issuance of Equity Interests
    
    
    109Section 6.13. Business; Etc.
    
    
    109Section 6.14. Limitation on Creation of Subsidiaries
    
    
    110ARTICLE 7Events of DefaultSection 7.01. Events of Default
    
    
    111ARTICLE 8The Administrative Agent and the Collateral AgentARTICLE 9MiscellaneousSection 9.01. Notices; Electronic Communications
    
    
    118Section 9.02. Survival of Agreement
    
    
    120Section 9.03. Binding Effect
    
    
    121Section 9.04. Successors and Assigns
    
    
    121Section 9.05. Expenses; Indemnity
    
    
    126Section 9.06. Right of Setoff
    
    
    127Section 9.07. Applicable Law
    
    
    128
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PageSection 9.08. Waivers; Amendment
    
    
    128Section 9.09. Interest Rate Limitation
    
    
    129Section 9.10. Entire Agreement
    
    
    130Section 9.11. WAIVER OF JURY TRIAL
    
    
    130Section 9.12. Severability
    
    
    130Section 9.13. Counterparts
    
    
    130Section 9.14. Headings
    
    
    131Section 9.15. Jurisdiction; Consent to Service of Process
    
    
    131Section 9.16. Confidentiality
    
    
    132Section 9.17. Lender Action
    
    
    132Section 9.18. USA PATRIOT Act Notice
    
    
    133Section 9.19. Intercreditor Agreement
    
    
    133
 SCHEDULE 1.01(a)
    
    Lenders and CommitmentsSCHEDULE 1.01(b)
    
    Lender AddressesSCHEDULE 1.01(d)
    
    KnowledgeSCHEDULE 3.06
    
    LitigationSCHEDULE 3.09
    
    Certain Tax MattersSCHEDULE 3.11(c)
    
    Mortgage Filing OfficesSCHEDULE 3.12
    
    Real PropertySCHEDULE 3.14
    
    SubsidiariesSCHEDULE 3.17
    
    InsuranceSCHEDULE 3.21
    
    Existing IndebtednessSCHEDULE 3.23
    
    Certain Servicing AgreementsSCHEDULE 4.02(a)
    
    List of CounselSCHEDULE 5.01
    
    ReportingSCHEDULE 6.01
    
    Existing LiensSCHEDULE 6.05
    
    Existing InvestmentsSCHEDULE 6.11
    
    Certain Restrictive AgreementsEXHIBIT A
    
    Form of Borrowing RequestEXHIBIT B
    
    Form of Intercreditor AgreementEXHIBIT C
    
    Form of Subsidiaries GuarantyEXHIBIT D
    
    Form of Pledge AgreementEXHIBIT E
    
    Form of Security AgreementEXHIBIT F
    
    Form of Intercompany Subordination AgreementEXHIBIT G
    
    Form of Compliance CertificateEXHIBIT H
    
    Form of Assignment and AcceptanceEXHIBIT I
    
    Form of Intercompany NoteEXHIBIT J
    
    Form of Administrative QuestionnaireEXHIBIT K
    
    Form of Solvency CertificateEXHIBIT L
    
    Form of Servicing Rights Acknowledgement AgreementEXHIBIT M
    
    Procedures for Dutch Auction
  iv




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Borrower Administrative Agent Collateral Agent
   ARTICLE 1  Definitions
 . Defined Terms.
 ABR
 Acquired Entity or Business
 Acquisition
 Additional Security Documents




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Adjusted Consolidated Net Income
              2




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Adjusted LIBO Rate
 Administrative Agent
 Administrative Agent Fees
 Administrative Questionnaire
 Affiliate
 Agents
 Agreement
 Alternate Base Rate provided that
  3




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Anti-Terrorism Laws
 Applicable Equity Issuance Prepayment Percentage provided
 Applicable Excess Cash Flow Prepayment Percentage provided
 Applicable Margin
 Approved Takeout Investor
 Asset Sale
 Assignment and Acceptance
  4




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Authorized Officer
 Available Amount Determination Date
 less plus provided minus
  Bankruptcy Code
 Borrower
 Borrower Materials
 Borrower Notice
 Borrowing
 Borrowing Request
 Breakage Event
  5




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Business Day provided, however,
 Calculation Period Pro Forma
 Capital Expenditures
 Capitalized Lease Obligations
 Cash Equivalents provided
  6




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CERCLA et seq
 Change in Adjusted Consolidated Working Capital
 Change in Law provided
 Change of Control
  7




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Charges
 Claims
 Closing Date
 Co-Documentation Agents
 Code
 Collateral
 Collateral Agent
 Collections
 Commitment
 Commitment Letter
 Communications
 Company
  8




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Comparably Favorable
 Confidential Information Memorandum
 Consolidated EBITDA
            9




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10




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provided
        Consolidated Indebtedness provided i.e.
  11




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Consolidated Interest Expense e.g. plus
 Consolidated Net Income provided Pro Forma
  12




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Contingent Obligation primary obligations primary
obligor provided, however
 Continuing Directors
 Continuing Letters of Credit
 Credit Documents
 Credit Facility
 Credit Party
  13




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Debtor Relief Laws
 Default
 Delinquency Advance
 Determination Date
 Dividend
 Dollars $
 Domestic Subsidiary
 Dutch Auction
 Eligible Assignee provided
  14




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Eligible Hedge Counterparty
 Environmental Claims Claims
 Environmental Law et seq et seq et seq et seq et seq et seq et seq et seq et seq
 Equity Interests
 Equity Issuance
 ERISA
  15




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ERISA Affiliate
 ERISA Event
 Eurodollar
 Event of Default
 Evidence of Flood Insurance
  16




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Excess Cash Flow provided provided that
 Excess Cash Flow Payment Date
 Excess Cash Flow Payment Period
 Exchange Act
 Excluded Collateral
  17




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Excluded Subsidiary
 Excluded Taxes
 Executive Order
 Existing Fannie Mae Credit Agreement
 Existing Indebtedness
 Existing Receivables Loan Agreement
 Existing Receivables Purchase Agreement
  18




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Existing Warehouse Loan Agreement
 Fair Market Value provided, however
 Fannie Mae
 Fannie Mae Credit Agreements provided
 Fannie Mae Documents
 Fannie Mae Loans
 Fannie Mae Servicer Entity
  19




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FATCA
 Federal Funds Effective Rate
 Fee Letter
 Fees
 FINRA
 First Lien Collateral Agent
 First Lien Credit Agreement
 First Lien Credit Documents
 First Lien Loans
 First Lien Obligations
 First Lien Revolving Loans
 First Lien Term Loans
  20




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Flood Determination Form
 Flood Documents
 Foreign Lender
 Foreign Pension Plan
 Foreign Subsidiary
 GAAP
 Government Sponsored Entity
 Governmental Authority
 Green Tree Advance Receivables II LLC
 Green Tree Servicing LLC
 Hazardous Materials
  21




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Hedge Provider
 Hedge Receipts
 Heritage Walter Securitization Trust
 Indebtedness provided i.e.
 Indemnified Taxes
  22




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Indemnitee
 Information
 Intercompany Debt
 Intercompany Loans
 Intercompany Note
 Intercompany Subordination Agreement
 Intercreditor Agreement
 Interest Expense Coverage Ratio provided Pro Forma Pro Forma Pro Forma Pro Forma
 Interest Payment Date
  23




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Interest Period provided, however,
 Interest Rate Protection Agreement
 Investments
 Joint Bookrunners
 Knowledge of the Borrower Knowledge of the Borrower or any of its Subsidiaries Knowledge of the Borrower or each Credit Party
 Lead Arrangers
 Leaseholds
 Lenders
  24




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LIBO Rate provided that
 Lien
 Loans
 Margin Stock
 Material Adverse Effect
 Maturity Date provided
 Maximum Rate
 Monthly Payment
 Moodys
  25




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Mortgage
 Mortgage Policy
 Mortgaged Property
 MSR Call Option
 MSR Documents
 MSR Lender
 MSR Loans
 Multiemployer Plan
 NAIC
  26




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Net Cash Proceeds
 Net Equity Proceeds
 Net Sale Proceeds provided, however
 NFIP
 Non-Recourse Entities
  27




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Non-Recourse MSR Loans
 Non-Recourse Securitization Debt
 Non-Recourse Servicer Advance Debt
 Non-Recourse Servicer Advance Debt Entity
 Non-Recourse Servicer Advance Documents
 Non-Recourse Short-Term Warehouse Debt
 Non-Recourse Warehouse Debt Entity
 Non-Wholly Owned Subsidiary
  28




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Notes
 Obligations
 OFAC
 Other Hedging Agreements
 Other Taxes
 PBGC
 Permitted Acquisition provided
  29




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Permitted Encumbrance
 Permitted Equity Issuance
 Permitted Foreign Acquisition provided
  30




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Permitted Liens
 Person
 Plan
 Platform
 Pledge Agreement
 Pledge Agreement Collateral
 Pledgee
 Preferred Equity
 Prepayment Fee
 Prepayment Premium
  31




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provided provided further
 Prime Rate
 Pro Forma Basis
  32




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provided
   33




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provided
 Projections
 Property
 Protective Advance
 Public Lender
 Purchase Agreement
 Qualified Equity Interests
  34




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Real Property
 Receivable
 Receivables Purchase Agreement
 Recovery Event
 Register
 Regulation D
 Regulation T
 Regulation U
 Regulation X
 Regulatory Supervising Organization
  35




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REIT Subsidiary
 Related Fund
 Related Parties
 Release
 REO Property
 Reportable Event
 Required Lenders
 Residential Mortgage
 Residential Mortgage Loan
 Residential Mortgage Note
 Restricted
  36




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Returns
 S&P
 SEC
 Secured Creditors
 Securities Act
 Securitization Vehicle
 Securitization Vehicle Assets
 Security Agreement
 Security Agreement Collateral
 Security Document
 Seller
  37




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SerVertis Funds
 Servicing Agreement
 Servicing Rights
 Servicing Rights Acknowledgement Agreement
 Short-Term Warehouse Debt
  38




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Short-Term Warehouse Documents
 Significant Asset Sale
 Specified Credit Agreement
 Specified Contingent Liabilities
 Statutory Reserves
 Subordinated Seller Advance Loans
 Subordinated Seller Advance Note
  39




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Subsidiaries Guaranty
 Subsidiary
 Subsidiary Guarantor
 Syndication Agent
 Target
 Taxes
 Test Period provided provided further Pro Forma Pro Forma
  40




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Pro Forma Pro Forma Pro Forma Pro Forma
 Total Leverage Ratio provided Pro Forma Pro Forma
 Transactions
 Transferred Assets
 Transferred Receivables
  41




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Treasury Rate provided
 Type
 UCC
 United States U.S.
 Unrestricted
 USA PATRIOT Act
 Weighted Average Life to Maturity
 Withdrawal Liability
 Wholly-Owned Domestic Subsidiary
 Wholly-Owned Foreign Subsidiary
  42




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Wholly-Owned Subsidiary
 . Terms Generally.
 . Classification of Loans and Borrowings. e.g. Eurodollar Loan
  43




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ARTICLE 2  The Credits
 . Commitments.
 . Loans. provided, however,
 provided that provided, however,
    44




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. Borrowing Procedure. provided that provided, however,
 . Evidence of Debt; Repayment of Loans.
    45




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provided however
  . Fees.
 Administrative Agent Fees
   . Interest on Loans.
    46




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. Default Interest.
 . Alternate Rate of Interest.
 . Termination and Reduction of Commitments.
 provided however
   47




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. Conversion and Continuation of Borrowings.
          48




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Repayment of Term Borrowings
   . Voluntary Prepayment. provided however
  provided, however, provided further,
  49




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Prepayment Fee
 Prepayment Fee(Based on Principal Amount Prepaid orRelevant Period
    
    Assigned)On or prior
to the second anniverary of the Closing Date
    
    Prepayment PremiumAfter the
second anniversary of the Closing Date and on or prior to the
third anniversary of the Closing
Date
    
    3.0%After the
third anniversary of the Closing Date and on or prior to the
fourth anniversary of the Closing
Date
    
    1.0%
  . Mandatory Prepayments.
   50




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provided, however provided further
   51




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provided, however provided further
  52




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Equity Issuance Amount provided, however provided further
    53




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. Reserve Requirements; Change in Circumstances.
   provided provided further
  54




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. Change in Legality.
     . Breakage. Breakage Event
  55




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. Pro Rata Treatment.
 . Sharing of Setoffs. provided, however,
  56




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. Payments.
  . Taxes.
    57




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58




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59




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. Assignment of Commitments Under Certain Circumstances; Duty to Mitigate. provided
that
  60




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provided further
   61




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ARTICLE 3  Representations and Warranties
  . Company Status.
 . Power and Authority.
 . No Violation.
  62




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. Approvals.
 . Financial Statements; Financial Condition; Undisclosed Liabilities;
Projections.
   63




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64




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. Litigation.
 . True and Complete Disclosure. provided that
 . Use of Proceeds; Margin Regulations.
   65




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. Tax Returns and Payments. Returns
 . Compliance with ERISA.
 . Security Documents.
   66




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. Properties.
 . Capitalization.
 . Subsidiaries.
 . Compliance with Statutes, Etc.
  67




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. Investment Company Act.
 . Insurance.
 . Environmental Matters.
    68




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. Employment and Labor Relations.
 . Intellectual Property, Etc.
 . Indebtedness. Existing
Indebtedness
  69




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. Anti-Terrorism Law. Anti-Terrorism Laws Executive Order
     OFAC
   . Servicing Agreements.
  70




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. Agreements.
 . Transaction Documents.
 . Foreign Corrupt Practices Act. Government Official
 ARTICLE 4  Conditions of Lending
 . [Reserved]
 . Conditions of Borrowing.
   71




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Subsidiaries Guaranty
  72




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Intercompany Subordination Agreement
 Pledge Agreement
 Security Agreement
     73




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Acquisition Consideration
    74




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Company Material Adverse Effect provided, however,
  75




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provided that provided, further,
however,
      76




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provided UCC Filing Collateral Stock Certificates
 ARTICLE 5  Affirmative Covenants
  . Information Covenants.
 Monthly Reporting. .
  77




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Quarterly Financial Statements
 Annual Financial Statements
 [Reserved]
 Budgets
  78




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Officers Certificates
 Notice of Default, Litigation and Material Adverse Effect.
 Other Reports and Filings SEC
  79




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Environmental Matters
    provided
  Patriot Act Information
  80




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Notice of Termination of or Defaults under a Servicing Agreement and MSR Call Option
 Fannie Mae Servicer Entity Documents
 First Lien Credit Agreement.
 Other Information
 . Books, Records and Inspections. provided that,
 . Maintenance of Property; Insurance.
  81




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provided
 flood
hazard area Zone 1
   82




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. Existence; Franchises. provided, however
 . Compliance with Statutes, Etc.
 . Compliance with Environmental Laws.
  83




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. ERISA.
  . End of Fiscal Years; Fiscal Quarters.
 . Performance of Obligations.
  84




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. Payment of Taxes. provided
 . Use of Proceeds.
 . Additional Security; Further Assurances; Etc. Additional Security Documents
   85




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Flood
Documents Flood
Determination Form Borrower Notice NFIP e.g. Evidence of Flood
Insurance
 provided
  . [Reserved].
 . [Reserved].
 . [Reserved]
  86




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[Reserved].
 [Reserved].
 . Maintenance of Company Separateness.
 . Certain Required Dividends.
  87




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. Maintenance of Ratings.
 . Post-Closing Items.
 ARTICLE 6  Negative Covenants
  . Liens. provided Permitted Liens
    88




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provided
   provided
 provided
   89




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provided
  provided
    90




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provided
 provided
 provided
    91




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provided
      . Consolidation, Merger, Purchase or Sale of Assets, Etc.
     92




---



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provided
       93




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provided
  94




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provided
   . Dividends.
   provided
  95




---



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provided
  Pro Forma
 . Indebtedness.
  provided
  96




---



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bona fide
 provided
  provided
 provided
  97




---



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Pro Forma
 Pro Forma
  98




---



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Pro Forma
   99




---



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provided
    . Advances, Investments and Loans. Investment Investments
      100




---



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Intercompany Loans provided
 provided
  101




---



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provided Pro Forma
  102




---



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103




---



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Pro Forma
 provided Pro Forma
 provided Pro Forma
  104




---



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. Transactions with Affiliates.
      105




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. Capital Expenditures. provided first second
 Pro Forma
     106




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. Interest Expense Coverage Ratio.
 Fiscal Quarter Ending
    
    RatioSeptember 30, 2011
    
    
    2.00:1.00December 31, 2011
    
    
    2.00:1.00March 31, 2012
    
    
    2.00:1.00June 30, 2012
    
    
    2.00:1.00September 30, 2012
    
    
    2.00:1.00December 31, 2012
    
    
    2.00:1.00March 31, 2013
    
    
    2.25:1.00June 30, 2013
    
    
    2.25:1.00September 30, 2013
    
    
    2.25:1.00December 31, 2013
    
    
    2.25:1.00March 31, 2014
    
    
    2.25:1.00June 30, 2014
    
    
    2.25:1.00September 30, 2014 and the last day of each fiscal quarter of
the Borrower thereafter
    
    
    2.50:1.00
 Pro Forma
 . Total Leverage Ratio.
 Fiscal Quarter Ending
    
    RatioSeptember 30, 2011
    
    
    4.75:1.00December 31, 2011
    
    
    4.75:1.00March 31, 2012
    
    
    4.75:1.00June 30, 2012
    
    
    4.75:1.00September 30, 2012
    
    
    4.50:1.00December 31, 2012
    
    
    4.50:1.00March 31, 2013
    
    
    4.25:1.00June 30, 2013
    
    
    4.25:1.00September 30, 2013
    
    
    4.00:1.00December 31, 2013
    
    
    4.00:1.00March 31, 2014
    
    
    3.75:1.00June 30, 2014
    
    
    3.75:1.00September 30, 2014
    
    
    3.50:1.00December 31, 2014
    
    
    3.50:1.00March 31, 2015 and the last day of each fiscal quarter of the
Borrower thereafter
    
    
    3.25:1.00
  107




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Pro Forma
 . Modifications of Certain Agreements.
   . Limitation on Certain Restrictions on Subsidiaries.
  108




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. Limitation on Issuance of Equity Interests.
  . Business; Etc.
  109




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provided
 provided
 provided
 . Limitation on Creation of Subsidiaries. provided provided further
  110




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provided that
 ARTICLE 7  Events of Default
 . Events of Default. Event of Default
 Payments
 Representations, etc
 Covenants
  111




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Default Under Other Agreements provided provided,
further
 Bankruptcy, etc
  112




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ERISA
 Security Documents
 Guaranties
 Judgments
 [Reserved]
 Change of Control
  113




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provided
 ARTICLE 8  The Administrative Agent and the Collateral Agent
 Agents
  114




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provided
  115




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116




---



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117




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ARTICLE 9  Miscellaneous
 . Notices; Electronic Communications.
 kperez@walterinvestment.com
 agency.loanops@credit-suisse.com
   Communications
  118




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Borrower Materials Platform Public Lender
    119




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. Survival of Agreement.
  120




---



##### 



. Binding Effect.
 . Successors and Assigns.
 provided, however, provided that
  121




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Register
  122




---



##### 



provided however Participant Register provided that
  123




---



##### 



provided that
         124




---



##### 



125




---



##### 



. Expenses; Indemnity.
 Indemnitee provided
  126




---



##### 



provided that
   . Right of Setoff.
   127




---



##### 



. Applicable Law.
 . Waivers; Amendment.
 provided, however, Required Lenders provided further
  128




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##### 



Refinanced Loans Replacement Loans provided
  . Interest Rate Limitation. Charges Maximum Rate
  129




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##### 



. Entire Agreement.
 . WAIVER OF JURY TRIAL.
 . Severability.
 . Counterparts.
  130




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. Headings.
 . Jurisdiction; Consent to Service of Process. provided
    131




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. Confidentiality. Information provided that
 . Lender Action.
  132




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. USA PATRIOT Act Notice.
 Intercreditor Agreement
  133




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WALTER INVESTMENT
MANAGEMENT CORP., as BorrowerBy:
    /s/ Denmar J. DixonName:
    Denmar J. DixonTitle:
    Vice Chairman and Executive Vice President 
 Company
 th
  /s/ Peggy W. Matte

Signature of notary public




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CREDIT SUISSE AG, CAYMAN ISLANDS
BRANCH, individually and as
Administrative Agent and Collateral
AgentBy:
    /s/ Robert HetuName:
    Robert HetuTitle:
    Managing DirectorBy:
    /s/ Rahul ParmarName:
    Rahul ParmarTitle:
    Associate