Document:

AGREEMENT

              THIS AGREEMENT is made and entered into as of April 1, 2002 by and
among XL Insurance, Inc., a Delaware corporation ("XLI"), XL America, Inc., a
Delaware corporation (the "Company") and XL Capital Ltd., a Cayman Islands
corporation ("XL") and Nicholas M. Brown, Jr. (the "Executive").

              WHEREAS, the Executive has been in the employ of the Company;

              WHEREAS, the Company and the Executive desire to memorialize the
terms and conditions of certain retirement benefits to be provided to the
Executive;

              NOW, THEREFORE, in consideration of the premises and mutual
covenants contained herein and for other good and valuable consideration, the
Company, XL America and the Executive (the "Parties") agree as follows:

              1. Supplemental Retirement Benefit.

              (i) The Executive shall be paid a lifetime annual retirement
     benefit, commencing within thirty (30) days following the later of the date
     of his termination of employment with the Company or its Affiliates or the
     date of his attainment of age fifty (50), equal to fifty percent (50%) of
     the Executive's Final Average Compensation (as defined below), reduced by
     benefits from any defined benefit pension plans maintained (or formerly
     maintained) by the Company or its Affiliates or any defined benefit pension
     plans maintained (or formerly maintained) by any previous employers
     (converted into a life annuity commencing on the date of commencement of
     benefits hereunder, if necessary, using the actuarial assumptions under the
     defined benefit pension plan(s) of the Company or its Affiliates or, if
     none, those deemed reasonable by an independent actuary mutually agreed to
     by the Company or its Affiliates and the Executive). Any retirement benefit
     that is payable prior to age sixty (60) shall be reduced by five percent
     (5%) per year for each year prior to age sixty (60); E.G., at age fifty
     (50) the benefit would equal twenty five percent ---- (25%) of the
     Executive's Final Average Compensation. The benefit will be paid to the
     Executive for his lifetime and, upon his death, fifty percent (50%) of his
     benefit will be paid to his surviving spouse, if any, for her lifetime.

              (ii) (1) If the Executive's employment terminates with the Company
     and its Affiliates due to disability (as defined in the Employment
     Agreement between the Company and the Executive), the Executive shall
     receive a supplemental disability benefit equal the difference between (x)
     fifty

<PAGE>
                                      -2-

     percent (50%) of the Executive's Final Average Compensation and (y) the
     benefit received by Executive under the long term disability plan of the
     Company or its Affiliates. Such supplemental benefit shall be payable at
     the same time and under the same terms as the long term disability plan
     benefit. This supplemental disability benefit shall cease when benefits
     under the long term disability plan cease.

                   (2) Upon cessation of disability benefits at age sixty-five
     (65), the Executive will become eligible for a retirement benefit under
     paragraph (i) of this Section 1. In the event supplemental disability
     benefits under the long term disability plan of the Company or its
     Affiliates cease prior to age sixty-five (65) and the Executive does not
     return to work with the Company or its Affiliates, for purposes of this
     Section 1, the Executive shall be considered to have terminated employment
     or died, as appropriate, as of the date supplemental disability benefits
     under the long term disability plan of the Company or its Affiliates
     ceased.

              (iii) In the event of the Executive's death while an employee of
     the Company prior to commencing benefits hereunder (whether or not the
     Executive has attained age fifty (50)), a benefit shall be paid to the
     Executive's surviving spouse, if any, when the Executive would have
     commenced benefits hereunder for her lifetime equal to the benefit which
     would have been payable to the spouse assuming the Executive had retired
     the day preceding the date of death and then died.

              (iv) The calculation of the benefits payable pursuant to this
     Section 1 shall be based upon the actuarial assumptions used in the
     Company's defined benefit plans covering the Executive or, if none then
     exists, those in the last such plan which covered the Executive. If such a
     plan exists, the calculation shall be made by the actuary for such plan or,
     if there is no current plan or actuary, by an independent actuary selected
     by the Company or its Affiliates, subject to the consent of the Executive
     (which shall not be unreasonably withheld or delayed). The calculation of
     the actuary shall be final and binding on all persons provided it was made
     in good faith. The benefits payable pursuant to this Section 1 shall be
     unfunded and the Executive will not be considered to have received a
     taxable economic benefit prior to the time at which benefits are actually
     payable hereunder. Accordingly, the Company or its Affiliates shall not be
     required to segregate any of its assets for the benefit of the Executive
     and the Executive shall have only a contractual right against the Company
     for the benefits payable hereunder.

              (v) For purposes of this Agreement, the following terms shall have
     the following meanings:
<PAGE>
                                      -3-

                   (1) "Affiliate" means any person, directly or indirectly,
     through one or more intermediaries, controlling, controlled by, or under
     common control with the Company (or other person or entity), and such term
     shall specifically include in the case of the Company, without limitation,
     XL Capital Ltd. and its majority owned subsidiaries.

                   (2) "Compensation" shall mean the sum of (i) the Executive's
     annual base salary received from the Company or one of its Affiliates and
     (ii) the Executive's regular annual bonus at target from the Company or one
     of its Affiliates (and, for the avoidance of doubt, not including any
     special bonus).

                   (3) "Final Average Compensation" shall mean the Executive's
     highest average annual Compensation earned during any consecutive
     thirty-six (36) complete months (or lesser actual period of receiving
     Compensation) during the period of sixty (60) complete months (or lesser
     actual period of receiving Compensation) immediately preceding the
     Executive's termination of employment with the Company.

              2. Retiree Medical Benefits.

              If the Executive's employment with the Company or its Affiliates
ceases for any reason (other than a voluntary resignation prior to December 31,
2004 or a termination by the Company for "cause" (as defined in the Employment
Agreement between the Company and the Executive) prior to December 31, 2004),
the Executive and his dependents shall, to the extent eligible, continue to
receive medical benefits under the medical plans of the Company or its
Affiliates. In the event that the Executive and his dependents are not eligible
to receive medical benefits under the medical plans of the Company or its
Affiliates, the Company or its Affiliates will use its reasonable best efforts
to arrange for the provision by third party insurers of medical benefits for the
Executive and his dependents substantially comparable to the medical benefits
provided to employees of the Company or its Affiliates from time to time. The
cost of such medical benefits shall be borne solely by the Executive (or his
dependents) unless the Company is otherwise obligated to cover such cost. If the
Executive's employment terminates with the Company and its Affiliates for any
reason (other than a voluntary resignation prior to December 31, 2004 or a
termination by the Company for "cause" (as defined in the Employment Agreement
between the Company and the Executive) prior to December 31, 2004), for the
purpose of allowing the Executive to receive retiree medical benefits, the
Company and its Affiliates shall provide the Executive with additional service
credit, equal to seven years service credit.

              In the event the Executive obtains other employment after the
Executive's employment with the Company or its Affiliates ceases which provides
health or welfare benefits of the type described in this Section 2, then
Executive shall notify the Company promptly of such other employment and other
coverage, and the coverage under this provision shall be secondary.
<PAGE>
                                      -4-

              3. Post-Termination Vesting and Exercise Periods.

              The Company and the Executive acknowledge that with regard to
options to purchase equity securities of XL and other equity grants held by the
Executive outstanding on January 1, 2002, any termination of the Executive's
employment with the Company or its Affiliates after attaining age 50 will
qualify as a retirement under the terms of the applicable plan and grants. As
such, the Executive shall, as provided in the applicable grant or plan, become
fully vested or continue to vest in the grants and have either three or five
years after such termination to exercise any such options (but in no event
beyond the stated term of the options). The Company and the Executive agree that
with regard to any options to purchase equity securities of XL or other equity
grants hereafter made, any termination of the Executive's employment with the
Company or its Affiliates at or after December 31, 2004 will qualify as a
retirement and the Executive shall have such rights as provided under such
future grants to senior executives who qualify for retirement.

              4. Withholding.

              Anything in this Agreement to the contrary notwithstanding, all
payments required to be made by the Company hereunder to the Executive shall be
subject to withholding of such amounts relating to taxes as the Company may
reasonably determine should be withheld pursuant to any applicable law or
regulation. In lieu of withholding such amounts, in whole or in part, the
Company may, in its sole discretion, accept other provision for payment of taxes
as required by law, provided it is satisfied that all requirements of law
affecting its responsibilities to withhold such taxes have been satisfied.

              5. Guaranty.

              XL, XLI and the Company hereby agree to be jointly and severally
liable for the obligations under this Agreement.

              6. Settlement of Disputes

              (i) Any dispute between the Executive and the Company arising from
     or relating to the terms of this Agreement shall be resolved by arbitration
     held in New York City in accordance with the rules of the American
     Arbitration Association.

              (ii) All costs associated with any proceeding under this Section
     6, including all legal fees and expenses, for the Company and its
     Affiliates and the Executive shall be borne by the Company. The Executive
     shall be reimbursed by the Company for all such costs promptly upon written
     demand therefor by the Executive.
<PAGE>
                                      -5-

              7. Entire Agreement.

              This Agreement contains the entire agreement between the Company
and its Affiliates and the Executive concerning the Executive's supplemental
retirement and retiree medical benefits and supersedes all prior agreements,
understandings, discussions, negotiations and undertakings, whether written or
oral, between the Company or its Affiliates and the Executive with respect
thereto.

              8. Amendment or Waiver.

              No provision in this Agreement may be amended unless such
amendment is agreed to in writing, signed by the Executive and by a duly
authorized officer of the Company and XL America. No waiver by the Company or
its Affiliates or the Executive of any breach by the other party of any
condition or provision of this Agreement to be performed by such other party
shall be deemed a waiver of a similar or dissimilar condition or provision at
the same or any prior or subsequent time. Any waiver must be in writing and
signed by the Executive or a duly authorized officer of the Company and XL
America, as the case may be.

              9. Notices.

              Any notice required or permitted to be given under this Agreement
shall be in writing and shall be deemed to have been given when delivered
personally or sent by courier, or by certified or registered mail, postage
prepaid, return receipt requested, duly addressed to the Party concerned at the
address indicated below or to such changed address as such Party may
subsequently by similar process give notice of:

              If to XL, XLI or the Company:

                   XL Capital Ltd
                   XL HouseOne Bermudiana Road
                   Hamilton HM11 Bermuda
                   Att'n: General Counsel

              If to the Executive:

              At the last address shown in the records of the Company

              10. Severability.

              In the event that any provision or portion of this Agreement shall
be determined to be invalid or unenforceable for any reason, in whole or in
part, the remaining provisions of this Agreement shall be unaffected thereby and
shall remain in full force and effect to the fullest extent permitted by law.
<PAGE>
                                      -6-

              11. Survivorship.

              The respective rights and obligations of the Parties shall survive
any termination of this Agreement to the extent necessary to the intended
preservation of such rights and obligations.

              12. Reference.

              In the event of the Executive's death or a judicial determination
of his incompetence, reference in this Agreement to the Executive shall be
deemed, where appropriate, to refer to his estate or other legal representative.

              13. Governing Law.

              Except as otherwise required by the Employee Retirement Income
Security Act of 1974, as amended, this Agreement shall be governed by and
construed and interpreted in accordance with the laws of the State of New York
without reference to the principles of conflict of laws thereof.

              14. Headings.

              The heading of the sections contained in this Agreement are for
convenience only and shall not be deemed to control or affect the meaning or
construction of any provision of this Agreement.

              15. Counterparts.

              This Agreement may be executed in one or more counterparts.

<PAGE>
                                      -7-

              IN WITNESS WHEREOF, the undersigned have executed this Agreement
as of the date first written above.

                                            XL INSURANCE, INC.

                                            By:
                                                --------------------------------

                                            XL AMERICA, INC.

                                            By:
                                                --------------------------------

                                            XL CAPITAL LTD

                                            By:
                                                --------------------------------

                                            NICHOLAS M. BROWN, JR.

                                            By:
                                                --------------------------------Exhibit 10.60

                                                           EXECUTION COUNTERPART

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT

              AMENDMENT NO. 2, dated as of March 15, 2002, between XL CAPITAL
LTD, a company incorporated under the laws of the Cayman Islands, British West
Indies ("XL CAPITAL"), X.L. AMERICA, INC., a Delaware corporation ("XL
AMERICA"), XL INSURANCE (BERMUDA) LTD (formerly XL Insurance Ltd), a Bermuda
limited liability company ("XL Insurance"), XL EUROPE LTD, a company
incorporated under the laws of Ireland ("XL EUROPE"), and XL RE LTD, a Bermuda
limited liability company ("XL RE" and, together with XL Capital, XL America, XL
Insurance and XL Europe, each a "BORROWER" and each a "GUARANTOR" and,
collectively, the "BORROWERS" and the "GUARANTORS"; the Borrowers and the
Guarantors being collectively referred to as the "OBLIGORS"), each of the
lenders that is a signatory hereto (individually, a "LENDER" and, collectively,
the "LENDERS") and JPMORGAN CHASE BANK (formerly The Chase Manhattan Bank), as
administrative agent for the Lenders (in such capacity, together with its
successors in such capacity, the "ADMINISTRATIVE AGENT").

              The Obligors, the Lenders and the Administrative Agent are parties
to an Agreement dated as of June 29, 2001, as amended as of September 26, 2001
(the "AGREEMENT"), providing, subject to the terms and conditions thereof, for
loans to be made by said Lenders to the Borrowers in an aggregate principal
amount not exceeding $500,000,000. The Obligors, the Lenders and the
Administrative Agent wish to amend the Agreement in certain respects and,
accordingly, the parties hereto hereby agree as follows:

              Section 1. DEFINITIONS. Except as otherwise defined in this
Amendment No. 2, terms defined in the Agreement are used herein as defined
therein.

              Section 2. AMENDMENTS. Effective as provided in Section 4 below,
the Agreement is hereby amended as follows:

              2.01.  References in the Agreement (including references to the
Agreement as amended hereby) to "this Agreement" (and indirect references such
as "hereunder", "hereby", "herein" and "hereof") shall be deemed to be
references to the Agreement as amended hereby.

              2.02.  Section 6.01 is hereby amended to read in its entirety as
follows:

              "SECTION 6.01. FINANCIAL STATEMENTS AND OTHER INFORMATION. Each
       Borrower will furnish to the Administrative Agent and each Lender:

              (a)    within 135 days after the end of each fiscal year of each
       such Borrower except

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       1
<PAGE>

       for XL America (but in the case of XL Capital, within 100 days after the
       end of each fiscal year of XL Capital), the audited consolidated balance
       sheet and related statements of operations, stockholders' equity and cash
       flows of such Borrower and its consolidated Subsidiaries as of the end of
       and for such year, setting forth in each case in comparative form the
       figures for the previous fiscal year (if such figures were already
       produced for such corresponding period or periods) (it being understood
       that delivery to the Lenders of XL Capital's Report on Form 10-K filed
       with the SEC shall satisfy the financial statement delivery requirements
       of this paragraph (a) to deliver the annual financial statements of XL
       Capital so long as the financial information required to be contained in
       such Report is substantially the same as the financial information
       required under this paragraph (a)), all reported on by independent public
       accountants of recognized national standing (without a "going concern" or
       like qualification or exception and without any qualification or
       exception as to the scope of such audit) to the effect that such
       consolidated financial statements present fairly in all material respects
       the financial condition and results of operations of such Borrower and
       its consolidated Subsidiaries on a consolidated basis in accordance with
       GAAP or (in the case of XL Europe, XL Insurance and XL Re) SAP, as the
       case may be, consistently applied;

              (b)    by June 15 of each year, (i) an unaudited consolidating
       balance sheet and related statements of operations, stockholders' equity
       and cash flows of XL America and its consolidated Subsidiaries as of the
       end of and for such year, setting forth in each case in comparative form
       the figures for the previous fiscal year (if such figures were already
       produced for such corresponding period or periods), all certified by a
       Financial Officer of XL America as presenting fairly in all material
       respects the financial condition and results of operations of XL America
       and its consolidated Subsidiaries on a consolidated basis in accordance
       with GAAP consistently applied, subject to normal year-end audit
       adjustments and the absence of footnotes, and (ii) audited statutory
       financial statements for each insurance subsidiary of XL America reported
       on by independent public accountants of recognized national standing
       (without a "going concern" or like qualification or exception and without
       any qualification or exception as to the scope of such audit) to the
       effect that such audited consolidated financial statements present fairly
       in all material respects the financial condition and results of
       operations of such insurance subsidiaries in accordance with SAP,
       consistently applied;

              (c)    within 60 days after the end of each of the first three
       fiscal quarters of each fiscal year of such Borrower, the consolidated
       balance sheet and related statements of

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       2
<PAGE>

       operations, stockholders' equity and cash flows of such Borrower and its
       consolidated Subsidiaries as of the end of and for such fiscal quarter
       and the then elapsed portion of the fiscal year, setting forth in each
       case in comparative form the figures for (or, in the case of the balance
       sheet, as of the end of) the corresponding period or periods of the
       previous fiscal year (if such figures were already produced for such
       corresponding period or periods), all certified by a Financial Officer of
       such Borrower as presenting fairly in all material respects the financial
       condition and results of operations of such Borrower and its consolidated
       Subsidiaries on a consolidated basis in accordance with GAAP or (in the
       case of XL Europe, XL Insurance and XL Re) SAP, as the case may be,
       consistently applied, subject to normal year-end audit adjustments and
       the absence of footnotes (it being understood that delivery to the
       Lenders of XL Capital's Report on Form 10-Q filed with the SEC shall
       satisfy the financial statement delivery requirements of this paragraph
       (c) to deliver the quarterly financial statements of XL Capital so long
       as the financial information required to be contained in such Report is
       substantially the same as the financial information required under this
       paragraph (c));

              (d)    concurrently with any delivery of financial statements
       under clause (a), (b) or (c) of this Section, a certificate signed on
       behalf of each Borrower by a Financial Officer (i) certifying as to
       whether a Default has occurred and, if a Default has occurred, specifying
       the details thereof and any action taken or proposed to be taken with
       respect thereto, (ii) setting forth reasonably detailed calculations
       demonstrating compliance with Sections 7.03, 7.05, 7.06 and 7.07 and
       (iii) stating whether any change in GAAP or (in the case of XL Europe, XL
       Insurance, XL Re and any insurance subsidiary of XL America) SAP or in
       the application thereof has occurred since the date of the audited
       financial statements referred to in Section 4.04 and, if any such change
       has occurred, specifying the effect of such change on the financial
       statements accompanying such certificate;

              (e)    concurrently with any delivery of financial statements
       under clauses (a) and (b)(ii) of this Section, a certificate of the
       accounting firm that reported on such financial statements stating
       whether they obtained knowledge during the course of their examination of
       such financial statements of any Default (which certificate may be
       limited to the extent required by accounting rules or guidelines);

              (f)    promptly after the same become publicly available, copies
       of all periodic and other reports, proxy statements and other materials
       filed by such Borrower or any of its respective Subsidiaries with the
       SEC, or any Governmental Authority succeeding to any

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       3
<PAGE>

       or all of the functions of said Commission, or with any U.S. or other
       securities exchange, or distributed by such Borrower to its shareholders
       generally, as the case may be;

              (g)    concurrently with any delivery of financial statements
       under clause (a), (b) or (c) of this Section, a certificate of a
       Financial Officer of XL Capital, setting forth on a consolidated basis
       for XL Capital and its consolidated Subsidiaries as of the end of the
       fiscal year or quarter to which such certificate relates (i) the
       aggregate book value of assets which are subject to Liens permitted under
       Section 7.03(g) and the aggregate book value of liabilities which are
       subject to Liens permitted under Section 7.03(g) (it being understood
       that the reports required by paragraphs (a), (b) and (c) of this Section
       shall satisfy the requirement of this clause (i) of this paragraph (g) if
       such reports set forth separately, in accordance with GAAP, line items
       corresponding to such aggregate book values) and (ii) a calculation
       showing the portion of each of such aggregate amounts which portion is
       attributable to transactions among wholly-owned Subsidiaries of XL
       Capital; and

              (h)    promptly following any request therefor, such other
       information regarding the operations, business affairs and financial
       condition of XL Capital or any of its Subsidiaries, or compliance with
       the terms of this Agreement, as the Administrative Agent or any Lender
       may reasonably request."

              2.03.  Schedule V is hereby deleted and replaced with Schedule V
attached to this Amendment No. 2 and the reference to "as of the date hereof" in
the first sentence of Section 4.13 is amended to read "as of September 30,
2001."

              Section 3. REPRESENTATIONS AND WARRANTIES. Each Borrower hereby
represents and warrants to the Administrative Agent and the Lenders that (i) the
representations and warranties set forth in Article IV of the Agreement are, on
the date hereof, true and complete as if made on the date hereof (and after
giving effect to this Amendment No. 2) and as if each reference in said Article
IV to "this Agreement" includes reference to this Amendment No. 2 and (ii) both
immediately prior to and as of the date hereof, no Default has occurred and is
continuing.

              Section 4. CONDITIONS PRECEDENT. The amendments to the Agreement
set forth in Section 2 above shall become effective, as of the date hereof, upon
the satisfaction of the following conditions precedent:

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       4
<PAGE>

              4.01.  EXECUTION BY ALL PARTIES. This Amendment No. 2 shall have
been executed and delivered by each of the Obligors and the Required Lenders.

              4.02.  OTHER DOCUMENTS. Receipt by the Administrative Agent of
such other documents as the Administrative Agent or special New York counsel to
JPMorgan Chase Bank reasonably request.

              Section 5. MISCELLANEOUS. Except as herein provided, the Agreement
shall remain unchanged and in full force and effect. Nothing in this Amendment
No. 2 shall constitute a waiver of any rights and/or remedies that the Lenders
and/or the Administrative Agent may have under the Agreement and nothing
contained herein shall obligate the Lenders to grant any future waiver of any
provision of the Agreement. XL Capital shall pay all reasonable expenses
incurred by the Administrative Agent, including the reasonable fees, charges and
disbursements of Milbank, Tweed, Hadley & McCloy LLP, special New York counsel
to JPMorgan Chase Bank, in connection with the preparation, negotiation,
execution and delivery of this Amendment No. 2. This Amendment No. 2 may be
executed in any number of counterparts, all of which taken together shall
constitute one and the same amendatory instrument and any of the parties hereto
may execute this Amendment No. 2 by signing any such counterpart. This Amendment
No. 2 shall be governed by, and construed in accordance with, the law of the
State of New York.

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       5
<PAGE>

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

                                  X.L. AMERICA, INC.,
                                  as a Borrower and a Guarantor

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  XL INSURANCE (BERMUDA) LTD,
                                  as a Borrower and a Guarantor

                                  By:
                                     -------------------------------------------
                                     Name:  Christopher Coelho
                                     Title: SVP, Chief Financial Officer

                                  XL EUROPE LTD,
                                  as a Borrower and a Guarantor

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  XL RE LTD,
                                  as a Borrower and a Guarantor

                                  By:
                                     -------------------------------------------
                                     Name:  John W. Hume
                                     Title: EVP & Chief Financial Officer

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       6
<PAGE>

              IN WITNESS WHEREOF, XL Capital has caused this Amendment No. 2 to
be duly executed as a Deed by an authorized officer as of the day and year first
above written.

                                  EXECUTED AS A DEED by XL CAPITAL LTD,
                                  as a Borrower and a Guarantor

                                  ----------------------------------------------
                                  witness

                                  By:
                                     -------------------------------------------
                                     Name:  Brian M. O'Hara
                                     Title: President & CEO

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       7

<PAGE>

                                  LENDERS

                                  JPMORGAN CHASE BANK
                                  Individually and as Administrative Agent

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  CITIBANK, N.A.

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  MELLON BANK, N.A.

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  BANK OF AMERICA, N.A.

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       8
<PAGE>

                                  BANK ONE, NA

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  BARCLAYS BANK PLC

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  CREDIT LYONNAIS NEW YORK BRANCH

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       9
<PAGE>

<PAGE>

                                  DEUTSCHE BANK AG
                                  New York and/or Cayman Islands Branches

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  DRESDNER BANK AG, NEW YORK AND
                                  GRAND CAYMAN BRANCHES

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  FLEET NATIONAL BANK

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       10
<PAGE>

                                  LLOYDS TSB BANK PLC

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  THE BANK OF BERMUDA LIMITED

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  ABN AMRO BANK N.V., LONDON BRANCH

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       11
<PAGE>

                                  BANCO SANTANDER CENTRAL HISPANO, S.A.

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  COMERICA BANK

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  FIRST UNION NATIONAL BANK

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                                  NATIONAL WESTMINSTER BANK PLC

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       12
<PAGE>

                                  STATE STREET BANK AND TRUST COMPANY

                                  By:
                                     -------------------------------------------
                                     Name:
                                     Title:

                   AMENDMENT NO. 2 TO 364-DAY CREDIT AGREEMENT
                                       13

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00039-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00039-of-00352.parquet"}]]