Document:

Exhibit 4(b)(vi)

 Exhibit 4(b)(vi) 
  
 GE CAPITAL LIFE ASSURANCE COMPANY OF NEW YORK  
 VESTED GUARANTEED MINIMUM INCOME PAYMENT ENDORSEMENT 
  

  
 The Contract to which this endorsement is attached is amended by adding the
following provision to the Purchase Payments section immediately after the Scheduled Installment provision: 
  
 Vested Guaranteed Minimum Income Payment 
  
 A Default occurs when either: 
  

	 	(1)	 	More than 24 Scheduled Installments are paid outside of the grace period over the life of your Contract; or 

  

	 	(2)	 	A Scheduled Installment, interest that is charged on it and any monthly billing fee are not paid within one year from the Scheduled Installment’s Monthly Due Date.

  
 If a Default occurs, the Guaranteed Minimum Income Payment shown
on the Contract data pages is forfeited; however, you will be entitled to a reduced Guaranteed Minimum Income Payment. 
  
 On the date of Default, provided Default occurs after 60 Scheduled Installments have been paid, the vested Guaranteed Minimum Income Payment will be (a) divided by (b)
multiplied by (c), where: 
  

	 	(a)	 	is the total Scheduled Installments paid into the Subaccount and not previously withdrawn prior to the date of Default; 

  

	 	(b)	 	is the total Scheduled Installments that are required to be paid into the Subaccount prior to the Annuity Commencement Date to secure the Guaranteed Minimum Income Payment shown on
the Contract data pages; and 

  

	 	(c)	 	is the Guaranteed Minimum Income Payment shown on the Contract data pages. 

  
 Restrictions concerning the reduced Guaranteed Minimum Income Payment are as follows: 
  

	 	•	 	Once the reduced Guaranteed Minimum Income Payment has been determined, we will not recalculate it again even if subsequent Purchase Payments are made; and 

 

	 	•	 	Once a Default has occurred and the reduced Guaranteed Minimum Income Payment has been determined, if a withdrawal is taken from the Subaccount and not repaid with interest within
one year of the date of withdrawal, then the reduced Guaranteed Minimum Income Payment is forfeited. 

  
 For GE Capital Life Assurance Company of New York, 
  
 /s/    PAMELA S. SCHUTZ        

  
 Pamela S. Schutz 

President 
  
 Form NY5246 1/03Exhibit 4(b)(vii)

 Exhibit 4(b)(vii) 
  
 GE CAPITAL LIFE ASSURANCE COMPANY OF NEW YORK VESTED  GUARANTEED MINIMUM INCOME PAYMENT ENDORSEMENT 

 

  
 The Contract to which this endorsement is attached is amended by adding the following provision to the Purchase Payments section immediately after the Scheduled
Installment provision: 
  
 Vested Guaranteed Minimum Income Payment

  
 A Default occurs when either: 
  

	 	(1)	 	More than 24 Scheduled Installments are paid outside of the grace period over the life of your Contract; or 

  

	 	(2)	 	A Scheduled Installment, interest that is charged on it and any monthly billing fee are not paid within one year from the Scheduled Installment’s Monthly Due Date.

  
 If a Default occurs, the Guaranteed Minimum Income Payment shown
on the Contract data pages is forfeited; however, you will be entitled to a reduced Guaranteed Minimum Income Payment. 
  
 On the date of Default, the vested Guaranteed Minimum Income Payment will be (a) divided by (b) multiplied by (c), where: 
  

	 	(a)	 	is the total Scheduled Installments paid into the Subaccount and not previously withdrawn prior to the date of Default; 

  

	 	(b)	 	is the total Scheduled Installments that are required to be paid into the Subaccount prior to the Annuity Commencement Date to secure the Guaranteed Minimum Income Payment shown on
the Contract data pages; and 

  

	 	(c)	 	is the Guaranteed Minimum Income Payment shown on the Contract data pages. 

  
 Restrictions concerning the reduced Guaranteed Minimum Income Payment are as follows: 
  

	 	•	 	Once the reduced Guaranteed Minimum Income Payment has been determined, we will not recalculate it again even if subsequent Purchase Payments are made; and 

 

	 	•	 	Once a Default has occurred and the reduced Guaranteed Minimum Income Payment has been determined, if a withdrawal is taken from the Subaccount and not repaid with interest within
one year of the date of withdrawal, then the reduced Guaranteed Minimum Income Payment is forfeited. 

  
 For GE Capital Life Assurance Company of New York, 
  
 /S/    PAMELA S.
SCHUTZ         
  
 Pamela S. Schutz 
 President 
  
 Form NY5247 1/03First Amendment to Credit Agreement  2/1/2003

 Exhibit 10.38.1 
  
 FIRST AMENDMENT TO CREDIT AGREEMENT 
  
 THIS FIRST AMENDMENT TO CREDIT AGREEMENT (this “Amendment”) is entered into as February 1, 2003, by and between KEYSTONE AUTOMOTIVE
INDUSTRIES, INC., a California corporation (“Borrower”), and WELLS FARGO BANK, NATIONAL ASSOCIATION (“Bank”). 
  
  
 RECITALS 
  
 WHEREAS, Borrower is currently indebted to Bank pursuant to the terms and conditions of that certain Credit Agreement
between Borrower and Bank dated as of February 1, 2002, as amended from time to time (“Credit Agreement”); 
  
 WHEREAS, Bank and Borrower have agreed to certain changes in the terms and conditions set forth in the Credit Agreement and have agreed to amend the
Credit Agreement to reflect said changes; 
  
 NOW, THEREFORE, for
valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree that the Credit Agreement shall be amended as follows: 
  
 1.    Sections 1.2 (a) and (c) are hereby deleted in their entirety, and the following substituted
therefor: 
  
 “(a)    Line of Credit.    Subject to the terms and conditions of this Agreement, Bank hereby agrees to make advances to Borrower from time to time up to and including June 1, 2005, not to
exceed at any time the aggregate principal amount of Thirty-Five Million Dollars ($35,000,000.00) (“Line of Credit”), the proceeds of which shall be used to (i) refinance existing indebtedness of Borrower; (ii) finance Permitted
Acquisitions, (iii) finance advances to Guarantor Subsidiaries, (iv) finance advances to Non-Guarantor Subsidiaries not to exceed One Million Dollars ($1,000,000.00) in the aggregate, and (v) finance Borrower’s working capital requirements.
Borrower’s obligation to repay advances under the Line of Credit shall be evidenced by a promissory note substantially in the form of Exhibit A attached hereto (“Line of Credit Note”), all terms of which are incorporated herein by
this reference.” 
  
 “(c)    Borrowing and Repayment.    Borrower may from time to time during the term of the Line of Credit borrow, partially or wholly pay its outstanding borrowings, and reborrow, subject
to all of the limitations, terms and conditions contained herein or in the Line of Credit Note; provided however, that the total outstanding borrowings under the Line of Credit shall not at any time exceed the maximum principal amount available
thereunder, as set forth above.” 
  
 2.    The revolving line of credit note attached to this Amendment as Exhibit A shall replace and shall be deemed the Line of Credit Note referred to in the Credit Agreement. 
  
 3.    The first and second paragraphs of Section 1.5 are
hereby amended to add at the end of the phrase “As security for all indebtedness of Borrower to Bank subject hereto,” the phrase “and as security for all indebtedness of Borrower to Bank arising under the purchasing card line of
credit extended by Bank to Borrower.” 
  
 4.    Section 4.9 (a) is hereby deleted in its entirety, and the following substituted therefor: 
  
 “(a)  Funded Debt to EBITDA not greater than 2.0 to 1.0, measured on a rolling four quarter basis. “Funded Debt”
is defined as all interest bearing debt plus letter of credit obligations of Borrower or any Subsidiary. “EBITDA” is defined as net profit before tax plus interest expense (net capitalized interest expense), depreciation expense and
amortization expense.” 
  

 -1- 

 5.    Except as specifically provided herein, all terms and conditions of the Credit
Agreement remain in full force and effect, without waiver or modification. All term defined in the Credit Agreement shall have the same meaning when used in this Amendment. This Amendment and the Credit Agreement shall be read together, as one
document. 
  
 6.    Borrower hereby remakes
all representations and warranties contained in the Credit Agreement and reaffirms all covenants set forth therein. Borrower further certifies that as of the date of this Amendment there exists no Event of Default as defined in the Credit Agreement,
nor any condition, act or event which with the giving of notice or the passage of time or both would constitute any such Event of Default. 
  
 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed as of the day and year first written above. 
  

	 KEYSTONE AUTOMOTIVE
     INDUSTRIES, INC.
	  	 	 	 WELLS FARGO BANK
     NATIONAL ASSOCIATION

	 	  	 	  	 	 	 	  	 
	 By:
	  	 /s/    

	  	 	 	By:	  	 /s/    

	 	  	 	  	 	 	 	  	Randall J. Repp
	 Title:
	  	
	  	 	 	 	  	Vice President

  

 -2-<PAGE>

                                  EXHIBIT 4(b)

                  Terms and Conditions of DuPont Stock Options

                             Granted in June 2003 to

                        DuPont Canada Inc. Option Holders

<PAGE>

We suggest you contact your tax or financial advisor before exercising your
stock options.

                             TERMS AND CONDITIONS OF
                      STOCK OPTIONS GRANTED IN JUNE 2003 TO
                        DUPONT CANADA INC. OPTION HOLDERS

SECTION I.  DEFINITIONS

1.   "Administrator" means Merrill Lynch or such other administrator as may be
     appointed by the Company from time to time.

2.   "Anniversary Options" means those Options awarded in honor of DuPont's
     200/th/ anniversary and identified as such.

3.   "Company" means E. I. du Pont de Nemours and Company ("DuPont").

4.   The term "Compensation Committee" means the Compensation Committee of the
     DuPont Board of Directors.

5.   "Early Retirement" means, with respect to any particular optionee, the date
     on which such optionee who is entitled to receive an early retirement
     pension under the DuPont Canada Inc. pension plan elects to voluntarily
     terminate employment with DuPont Canada Inc.

6.   The term "Normal Retirement" means the earlier of (i) the date an optionee
     is entitled to receive a regular retirement pension or (ii) the first day
     of the month following the month an optionee has attained age 65.

7.   The term "Other Retirement" means, with respect to any particular optionee,
     the date on which such optionee becomes entitled to receive a disability
     pension under the DuPont Canada Inc. pension plan or an optionee who has
     had their employment terminated otherwise than on a voluntary basis and who
     is entitled to receive a retirement pension under the DuPont Canada Inc.
     pension plan.

                                        1

<PAGE>

8.   The terms "Personal Representative" means (i) in the case of a deceased
     optionee, the executor or administrator of the deceased duly appointed by a
     court or public authority having jurisdiction to do so, and (ii) in the
     case of an optionee who for any reason is unable to manage his or her
     affairs, the person duly appointed to manage such affairs.

SECTION II.   TERMS AND CONDITIONS APPLICABLE TO STOCK OPTIONS

1.   Option Price

     The stock option grant entitles you to purchase, subject to the limitations
     set forth in these Terms and Conditions, DuPont common stock at the price
     set forth in the recordkeeping statement supplied to you by the
     Administrator, which is the option price.

2.   First Date of Exercisability

     Except as may otherwise be provided in these Terms and Conditions, no
     shares may be purchased under any stock option grant before the date
     specified in the recordkeeping statement supplied to you by the
     Administrator ("First Date of Exercisability").

3.   Last Date of Exercisability

     Any option or part thereof not exercised within the exercise period shall
     terminate and become null, void and of no effect. The "Last Date of
     Exercisability" shall be the earlier of (i) the date fixed by the
     Compensation Committee at the time of grant as reflected in the
     recordkeeping statement supplied to you by the Administrator ("Normal
     Expiration Date"); and (ii) the date on which you cease to be an employee
     of DuPont Canada Inc., provided that the Compensation Committee may
     determine that an option may continue in accordance with these Terms and
     Conditions notwithstanding that the optionee has ceased to be an employee
     of DuPont Canada Inc., but having become an employee of another company or
     legal entity acceptable to the Compensation Committee, in circumstances in
     which the Compensation Committee considers it is equitable to do so.
     Notwithstanding the foregoing:

                                        2

<PAGE>

     (a)  Death

     Upon your death, the Last Date of Exercisability for your option grant
     shall be the earlier of the Normal Expiration Date and the second
     anniversary of the date of your death. In the event of your death, options
     are exercisable even if the First Date of Exercisability occurs after your
     death.

     (b)  Early Retirement

     (i)  Upon your Early Retirement, the Last Date of Exercisability for your
     option grant shall be the earlier of the Normal Expiration Date and the
     first anniversary of the date of your Early Retirement. In the event of
     your Early Retirement, options are exercisable only if the First Date of
     Exercisability occurs before your Early Retirement.

     (ii) Notwithstanding subparagraph (i) above, upon your Early Retirement,
     you shall be entitled to continue to hold in accordance with these Terms
     and Conditions any Anniversary Options you hold at the date of such Early
     Retirement, and neither the First Date of Exercisability nor the Normal
     Expiration Date shall be affected by your Early Retirement.

     (c)  Normal Retirement

     Upon your Normal Retirement, you shall be entitled to continue to hold in
     accordance with these Terms and Conditions any options you hold at the date
     of such Normal Retirement, and neither the First Date of Exercisability nor
     the Normal Expiration Date shall be affected by your Normal Retirement.

     (d)  Other Retirement

     Upon your Other Retirement, you shall be entitled to continue to hold in
     accordance with these Terms and Conditions any options you hold at the date
     of such Other Retirement, and neither the First Date of Exercisability nor
     the Normal Expiration Date shall be affected by such Other Retirement.

                                        3

<PAGE>

     (e)  Termination--Long Term Disability Income Plan

     Upon your termination and qualification to become a recipient of benefits
     under the DuPont Canada Inc. Long Term Disability Income Plan, you shall be
     entitled to continue to hold in accordance with these Terms and Conditions
     any options you hold at the date of such termination, and neither the First
     Date of Exercisability nor the Normal Expiration Date shall be affected by
     such termination.

     (f)  Ceasing to be a Director

     Upon a Director of DuPont Canada Inc. who is an optionee ceasing to be a
     Director, such optionee shall be entitled to continue to hold in accordance
     with these Terms and Conditions any options held by such optionee at the
     date such optionee ceased to be a Director, and neither the First Date of
     Exercisability nor the Normal Expiration Date of such options shall be
     affected by such ceasing to be a Director.

     (g)  Competitive Activities

     If pursuant to any provision of these Terms and Conditions, the expiration
     date of any option extends beyond the date on which an optionee ceases to
     be an employee or Director, the Compensation Committee may in its
     discretion cancel, without compensation, any such option held by any such
     optionee who is determined by the Compensation Committee to be engaged in
     activities which are competitive with those of DuPont Canada or DuPont.

     (h)  Termination--Any Other Reason

     In the event of an optionee's termination for any reason other than one of
     the reasons set forth above, the options will expire on the optionee's
     termination date.

4.   Adjustments

     In the event of any stock dividend, split-up, reclassification or other
     change in capitalization, an equitable adjustment will be made in the
     number of shares subject to the stock option and the price per share
     applicable thereto.

                                        4

<PAGE>

5.   Nontransferability and Exercise Upon Death

     Options may not be assigned or transferred except that the Personal
     Representative of an optionee who has died or become unable to manage his
     or her affairs may, in accordance with any applicable law relating to such
     death or incapacity, exercise the option in the period from the First Date
     of Exercisability to the Last Date of Exercisability.

6.   How to Exercise/Payment of Option Price

     Exercises of your option to purchase shares of DuPont common stock must be
     made through the Administrator. At the time of exercising any portion of
     your stock option, it will be necessary to open an account and make
     arrangements with the Administrator for full payment in U.S. dollars on
     account of shares purchased. Payment of the purchase price must be made in
     case and/or through the sale of the option shares issued pursuant to the
     exercise. If payment is made through the sale of the option shares, the
     stock will be valued at the price received on the sale of the shares on the
     NYSE the trading day following the day your exercise is valued.

     In those countries where a toll-free phone exchange service to the
     Administrator is available, the exercise transaction may be executed over
     the phone. In those countries where this service is not available, the
     exercise transaction may be executed by facsimile of exercise forms to the
     Administrator or by a long distance phone call. Postal delivery of exercise
     forms is also available, but the exercise will not be effective until
     received by the Administrator. Exercise transactions executed over the
     phone or received by the Administrator prior to 4:00 p.m. New York time
     will be valued at the day's closing price for DuPont stock for the purpose
     of withholding requirements and establishing the tax basis for future sale.
     If the exercise day is not a day the NYSE is open, the transaction will be
     valued at the closing price on the next trading day the NYSE is open.

     Purchase of shares will be effected only if you have opened an account and
     notice of such purchase, accompanied by payment (in cash and/or sale of
     option shares) is received by the Administrator on or before the last day
     allowed for the purchase of shares as indicated above.

                                        5

<PAGE>

7.   Satisfying Withholding

     When withholding of national, social and/or local taxes is required, it
     will be done by the Administrator selling option shares issued pursuant to
     the exercise of the option. The number of shares withheld will be dependent
     on the sales price received for the shares on the NYSE on the trading day
     following the day your exercise is valued.

     In the event of changes in relevant law or circumstances, the Compensation
     Committee may modify the terms and conditions of this paragraph.

8.   Limitations

     a. Your option grant does not give you the right to continue to be employed
     by DuPont Canada Inc. or any other DuPont company.

     b. The awarding of options to any optionee is a matter to be determined
     solely in the discretion of the Compensation Committee.

9.   Administration

     Your option grant will be administered by the Compensation Committee. The
     Compensation Committee may make, amend and repeal at any time and from time
     to time such regulations, not inconsistent with the rights granted to you
     under these terms and conditions, as it may deem necessary or advisable for
     the proper administration of your grant. The Compensation Committee may
     delegate to any director, officer, employee or third party such
     administrative duties and powers as it may see fit.

10.  Interpretation

     The decision of the Compensation Committee with respect to any question
     arising as to the interpretation of the terms and conditions applicable to
     your stock option grant shall be final, conclusive and binding.

                                        6

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