Document:

<PAGE>   1
                                                               EXHIBIT 10.10.1

                                959 Maiden Lane
                              Ann Arbor, MI 48105
                               November 30, 1999

                                      NOTE

         For value received, University Bancorp, Inc. (the ("Obligor") promises
to pay to Mildred Lange Ranzini Trust (the "Holder" or "Lender"), on your order,
at the address above, the principal sum of: SIX THOUSAND ONE AND NO/100 Dollars
($6,001.00).

         1. Payment. Obligor will make no periodic payments under this note,
with a Final Payment in the amount of the principal plus all accrued interest at
maturity. The amount of the Final Payment shall be paid solely through the sale
of common stock of University Bancorp, Inc. by the Obligor (subject to
completion of a separate private placement agreement in accordance with the
rules of the Securities & Exchange Commission), in the event that an anticipated
rights offering of University Bancorp, Inc. common stock is not completed prior
to maturity.

         2. Interest. Interest accrues on a Actual/365 basis. Post-maturity
interest will accrue at the same rate as prior to maturity on the balance of
this note not paid at maturity, including maturity, including maturity by
acceleration. Interest shall be accrued but not paid until maturity from
November 30, 1999 at the Wall Street Journal Prime Rate of 8.50% until maturity.

         3. Purpose. The purpose of this loan is to fund working capital
requirements of the Obligor.

         4. Security. This note is unsecured.

         5. Prepayment. If Obligor pays off this Note early, it will not have to
pay a penalty.

         6. Signatures. Obligor agrees to the terms set out on page 1 and page 2
of this agreement. Obligor has received a copy of this document on today's date.

Signature:        University Bancorp, Inc.

                  By:  /s/Stephen Lange Ranzini
                     ---------------------------------
                  Its: President & CEO

                  Mildred Lange Ranzini

                  By:  /s/Mildred Lange Ranzini
                     ---------------------------------

                                      -93-

<PAGE>   2
                                959 Maiden Lane
                              Ann Arbor, MI 48105
                               February 10, 2000

                                      NOTE

         For value received, University Bancorp, Inc. (the ("Obligor") promises
to pay to Mildred Lange Ranzini Trust (the "Holder" or "Lender"), on your
korder, at the address above, the principal sum of: SIXTY-ONE THOUSAND AND
NO/100 Dollars ($61,000.00).

         1. Payment. Obligor will make no periodic payments under this note,
with a Final Payment in the amount of the principal plus all accrued interest at
maturity. The amount of the Final Payment shall be paid solely through the sale
of common stock of University Bancorp, Inc. by the Obligor (subject to
completion of a separate private placement agreement in accordance with the
rules of the Securities & Exchange Commission), in the event that an anticipated
rights offering of University Bancorp, Inc. common stock is not completed prior
to maturity.

         2. Interest. Interest accrues on a Actual/365 basis. Post-maturity
interest will accrue at the same rate as prior to maturity on the balance of
this note not paid at maturity, including maturity, including maturity by
acceleration. Interest shall be accrued but not paid until maturity from
February 10, 2000 at the Wall Street Journal Prime Rate of 8.75% until maturity.

         3. Purpose. The purpose of this loan is to fund working capital
requirements of the Obligor.

         4. Security. This note is unsecured.

         5. Prepayment. If Obligor pays off this Note early, it will not have to
pay a penalty.

         6. Signatures. Obligor agrees to the terms set out on page 1 and page 2
of this agreement. Obligor has received a copy of this document on today's date.

Signature:        University Bancorp, Inc.

                  By:  /s/Stephen Lange Ranzini
                     ---------------------------------
                       Its: President & CEO

                       Mildred Lange Ranzini Trust

                       By:  /s/Stephen Lange Ranzini
                     ---------------------------------
                       Its: Trustee

                                      -94-<PAGE>   1
                                                                     Exhibit 4.5

                                    GLOBAL ASSIGNMENT AGREEMENT dated as of
                           February 10, 2000 (this "Agreement"), among CITADEL
                           BROADCASTING COMPANY, a Nevada corporation (the
                           "Borrower"), CITADEL COMMUNICATIONS CORPORATION, a
                           Nevada corporation, the LENDERS listed on the
                           signature pages hereof under the captions "Existing
                           Lenders" (the "Existing Lenders") and "Additional
                           Lenders" (the "Additional Lenders", and, together
                           with the Existing Lenders, the "Lenders"), CREDIT
                           SUISSE FIRST BOSTON, a bank organized under the laws
                           of Switzerland and acting through its New York
                           branch, as administrative agent (in such capacity,
                           the "Administrative Agent") and collateral agent (in
                           such capacity, the "Collateral Agent") for the
                           Lenders and as the issuing bank (in such capacity,
                           the "Issuing Bank").

         A. The Borrower, the Existing Lenders, the Administrative Agent, the
Collateral Agent and the Issuing Bank are parties to a Credit Agreement dated as
of December 17, 1999, as amended by Amendment No. 1 dated as of January 28, 2000
(the "Existing Credit Agreement").

         B. The Existing Lenders wish to assign a portion of their interests in
the outstanding letters of credit and loans and the commitments to make such
loans under the Original Credit Agreement to the Additional Lenders, and the
Additional Lenders are willing to accept such assignments.

         C. The Borrower has requested, and the other parties hereto have
agreed, upon the terms and subject to the conditions set forth or referred to
herein, that the Original Credit Agreement be amended and restated upon the
effectiveness of the assignments referred to in paragraph B above in the form of
the Amended and Restated Credit Agreement set forth as Exhibit A (the "Restated
Credit Agreement").

         D. Accordingly, in consideration of the mutual agreements herein
contained and other good and valuable consideration, the sufficiency and receipt
of which are hereby acknowledged, the parties hereto hereby agree as follows:

         SECTION 1. Defined Terms. Capitalized terms used and not defined herein
shall have the meanings assigned to such terms in the Restated Credit Agreement.

         SECTION 2. Assignments. (a) On and as of the Restatement Date (as
defined in Section 11 below), subject to the conditions set forth in Section 6
hereof, each of the Existing Lenders and Additional Lenders shall sell, assign
and transfer, or purchase and assume, as the case may be, such interests in (i)
the Commitments (as defined in the Existing Credit Agreement), (ii) the
outstanding Loans (as defined in the Existing Credit Agreement) and

<PAGE>   2
                                                                               2

(iii) the participations in the Letters of Credit (as defined in the Existing
Credit Agreement), in each case, outstanding immediately prior to the
Restatement Date, as shall be necessary in order that, after giving effect to
all such assignments and purchases, the Commitments, the Loans and the
participations in the Letters of Credit will be held by the Existing Lenders and
Additional Lenders ratably in accordance with their Commitments as set forth on
Schedule 2.01 to the Restated Credit Agreement (or, in the case of
participations in the Letters of Credit, ratably in accordance with the
Revolving Credit Commitments set forth in such Schedule). Each Lender purchasing
interests of any type under this Section 2 shall be deemed to have purchased
such interests from each Existing Lender selling interests of such type ratably
in accordance with the amounts of such interests sold by them. The assignments
and purchases provided for in this Section 2 shall be without recourse, warranty
or representation, except that each assigning Lender shall be deemed to have
represented that it is the legal and beneficial owner of the interests assigned
by it and that such interests are free and clear of any adverse claim, and the
purchase price for each such assignment and purchase shall equal the principal
amount of the Loans purchased less any upfront fees advanced to the assignee.

         (b) On the Restatement Date, (i) each Additional Lender shall pay the
purchase price for the interests purchased by it pursuant to paragraph (a) above
by wire transfer of immediately available funds to the Administrative Agent, not
later than 12:00 (noon), New York City time, and (ii) the Administrative Agent
shall pay to each Existing Lender, out of the amounts received by the
Administrative Agent from each Additional Lender pursuant to clause (i) of this
paragraph (b), the purchase price for the interests assigned by it pursuant to
paragraph (a) above by wire transfer of immediately available funds not later
than 3:00 p.m., New York City time.

         (c) Each of the parties hereto hereby consents to the assignments and
purchases provided for in paragraphs (a) and (b) above and agrees that (i) each
Additional Lender that is purchasing interests in the Commitments, the
outstanding Loans and the outstanding participations in the Letters of Credit
pursuant to paragraph (a) above are assignees of the Existing Lenders permitted
under Section 9.04 of the Existing Credit Agreement and (ii) each Additional
Lender and each Existing Lender shall have all the rights and obligations of a
Lender under the Restated Credit Agreement with respect to the interests
purchased by it pursuant to such paragraphs.

         SECTION 3. Amendment and Restatement of the Credit Agreement. (a)
Subject to the conditions set forth in Section 6 hereof, the Borrower, the
Existing Lenders, the Additional Lenders, the Administrative Agent, the
Collateral Agent and the Issuing Bank agree that the Existing Credit Agreement
(including all Exhibits and Schedules thereto) is hereby amended and restated,
effective as of the Restatement Date, to read in its entirety as set forth in
Exhibit A hereto. As used in the Restated Credit Agreement, the terms
"Agreement", "this Agreement", "herein", "hereinafter", "hereto", "hereof" and
words of similar import shall, unless the context otherwise requires and except
as provided above, mean the Existing Credit Agreement as amended and restated by
this Agreement.

<PAGE>   3
                                                                               3

         (b) On the Restatement Date, upon the effectiveness of this Agreement,
(i) each Loan under the Existing Credit Agreement shall be deemed to be a Loan
of the same type under the Restated Credit Agreement and (ii) each Letter of
Credit under the Existing Credit Agreement shall be deemed to be a Letter of
Credit issued under the Restated Credit Agreement, and the amount of the unused
Commitments shall be adjusted accordingly.

         (c) The Borrower shall cause all Borrowings (as defined in the Existing
Credit Agreement) outstanding immediately prior to the Restatement Date to be
ABR Borrowings.

         SECTION 4. Representations and Warranties. The Borrower hereby makes to
each of the other parties hereto, as of the Restatement Date, each of the
representations and warranties contained in Article III of the Restated Credit
Agreement, and each of such representations and warranties is hereby
incorporated by reference herein.

         SECTION 5. Fees; Interest. (a) On the Restatement Date, simultaneously
with the making of the assignments provided for in Section 2, the Borrower shall
pay to the Administrative Agent, for the accounts of the Lenders (as defined in
the Existing Credit Agreement), the fees payable pursuant to Section 2.05 of the
Existing Credit Agreement which have accrued for the period from the last date
such fees were paid to but excluding the Restatement Date. The fees and expenses
described in this Section 5 shall be payable in immediately available funds.
Once paid, such fees shall not be refundable under any circumstances.

         (b) On the Restatement Date, simultaneously with the making of the
assignments provided for in Section 2, the Borrower shall pay to the
Administrative Agent, for the accounts of the Lenders (as defined in the
Existing Credit Agreement), all unpaid interest accrued to but excluding the
Restatement Date on all of the Loans (as defined in the Existing Credit
Agreement) of each such Lender.

         SECTION 6. Conditions Precedent. The obligation of each Existing Lender
and each Additional Lender to purchase the assignments provided for in Section 2
hereof and the amendment and restatement of the Existing Credit Agreement
provided for in Section 3 hereof on the Restatement Date shall be subject to the
satisfaction of all of the following conditions:

                  (a) The Administrative Agent shall have received a
         certificate, signed by a Financial Officer of the Borrower, dated the
         Restatement Date, giving effect to the transactions contemplated
         hereby, and confirming that (i) the representations and warranties set
         forth in Section 4 hereof are true and correct in all material
         respects, (ii) the Borrower and each other Loan Party is in compliance
         with the terms and provisions set forth herein and in each other Loan
         Document to be observed or performed by the Borrower or such Loan Party
         and (iii) no Default or Event of Default has occurred and is
         continuing.

<PAGE>   4
                                                                               4

                  (b) The Administrative Agent shall have received all fees and
         other amounts due and payable on or prior to the Restatement Date,
         including, to the extent invoiced, reimbursement or payment of all
         out-of-pocket expenses required to be reimbursed or paid by the
         Borrower hereunder or under any other Loan Document.

                  (c) The receiving agent or its counsel shall have received
         counterparts of this Agreement which, when taken together, bear the
         signatures of the following:

                           (i) the Borrower;

                           (ii) each Existing Lender and Additional Lender; and

                           (iii) the Administrative Agent, the Collateral Agent
                           and the Issuing Bank.

                  (d) Each Loan Document other than this Agreement shall be in
         full force and effect.

         SECTION 7. Applicable Law. THIS AGREEMENT SHALL BE CONSTRUED IN
ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK.

         SECTION 8. Notices. All notices hereunder shall be given in accordance
with the provisions of Section 9.01 of the Credit Agreement. All notices
hereunder to each Additional Lender shall be given to it at the address listed
on Schedule 1 hereto.

         SECTION 9. Counterparts. This Agreement may be executed in one or more
counterparts, each of which when taken together shall constitute but one
contract, and shall become effective as provided in Section 11 hereof. Delivery
of an executed signature page to this Agreement by facsimile transmission shall
be as effective as delivery of a manually signed counterpart hereof.

         SECTION 10. Headings. The headings of this Agreement are for
convenience of reference only, are not part of this Agreement and are not to be
taken into consideration in interpreting this Agreement.

         SECTION 11. Effectiveness; Amendment. This Agreement shall become
effective on the date (the "Restatement Date") that each of the conditions
specified in Section 6 have been satisfied. This Agreement may not be amended
nor may any provision hereof be waived except pursuant to a writing signed by
each of the parties hereto; provided that the provisions of Section 9.08 of the
Restated Credit Agreement shall govern any amendment, waiver or modification of
the Restated Credit Agreement or any other Loan Document.

<PAGE>   5
                                                                               5

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed by their respective authorized officers as of the day and year
first above written.

                                     CITADEL BROADCASTING COMPANY,

                                     by /s/ Donna L. Heffner
                                        ----------------------------------------
                                     Name:  Donna L. Heffner
                                     Title: Vice President

                                     CITADEL COMMUNICATIONS
                                     CORPORATION,

                                     by /s/ Donna L. Heffner
                                        ----------------------------------------
                                        Name:  Donna L. Heffner
                                        Title: Vice President

                                     CREDIT SUISSE FIRST BOSTON,
                                     individually and as Administrative Agent,
                                     Collateral Agent, and Issuing Bank,

                                     by /s/ Jeffrey B. Ulmer
                                        ----------------------------------------
                                        Name:  Jeffrey B. Ulmer
                                        Title: Vice President

                                     by /s/ Douglas E. Maher
                                        ----------------------------------------
                                        Name:  Douglas E. Maher
                                        Title: Vice President

                                     Existing Lenders

                                     CREDIT SUISSE FIRST BOSTON,

                                     by /s/ Jeffrey B. Ulmer
                                        ----------------------------------------
                                     Name:  Jeffrey B. Ulmer
                                     Title: Vice President

<PAGE>   6
                                                                               6

                                     by /s/ Douglas E. Maher
                                        ----------------------------------------
                                        Name:  Douglas E. Maher
                                        Title: Vice President

                                     BANK OF AMERICA, N.A.,

                                     by /s/ Roselyn Drake
                                        ----------------------------------------
                                        Name:  Roselyn Drake
                                        Title: Managing Director

                                     BANK OF MONTREAL,

                                     by /s/ Karen Klapper
                                        ----------------------------------------
                                        Name:  Karen Klapper
                                        Title: Director

                                     THE BANK OF NEW YORK,

                                     by /s/ Geoffrey C. Brooks
                                        ----------------------------------------
                                        Name:  Geoffrey C. Brooks
                                        Title: Vice President

                                     BANK OF NOVA SCOTIA,

                                     by /s/ Ian A. Hodgart
                                        ----------------------------------------
                                        Name:  Ian A. Hodgart
                                        Title: Authorized Signatory

                                     THE CHASE MANHATTAN BANK,

                                     by /s/ John J. Huber III
                                        ----------------------------------------
                                        Name:  John J. Huber III
                                        Title: Managing Director

<PAGE>   7
                                                                               7

                                     CREDIT INDUSTRIEL ET
                                     COMMERCIAL,

                                     by /s/ Marcus Edward
                                        ----------------------------------------
                                        Name:  Marcus Edward
                                        Title: Vice President

                                     by /s/ Sean Mounier
                                        ----------------------------------------
                                        Name:  Sean Mounier
                                        Title: First Vice President

                                     FINOVA CAPITAL CORPORATION,

                                     by /s/ Jeffrey S. Kilrea
                                        ----------------------------------------
                                        Name:  Jeffrey S. Kilrea
                                        Title: Senior Vice President

                                     FIRST UNION NATIONAL BANK,

                                     by /s/ Jeffrey M. Graci
                                        ----------------------------------------
                                        Name:  Jeffrey M. Graci
                                        Title: Director

                                     FLEET NATIONAL BANK,

                                     by /s/ Daniel M. Kortick
                                        ----------------------------------------
                                        Name:  Daniel M. Kortick
                                        Title: Director

<PAGE>   8
                                                                               8

                                     Additional Lenders

                                     THE INDUSTRIAL BANK OF JAPAN,
                                     LIMITED,

                                     by /s/ Carl-Eric Benzinger
                                        ----------------------------------------
                                        Name:  Carl-Eric Benzinger
                                        Title: Senior Vice President & SDGM

                                     WEBSTER BANK,

                                     by /s/ Barbara E. Hillmeyer
                                        ----------------------------------------
                                        Name:  Barbara E. Hillmeyer
                                        Title: Vice President

                                     MICHIGAN NATIONAL BANK,

                                     by /s/ Eric Haege
                                        ----------------------------------------
                                        Name:  Eric Haege
                                        Title: Commercial Relationship
                                               Manager

                                     NATEXIS BANQUE POPULAIRES
                                     (Formerly Known As Natexis Banque
                                     BFCE)

                                     by /s/ Evan S. Kraus
                                        ----------------------------------------
                                        Name:  Evan S. Kraus
                                        Title: Assistant Vice President

                                     by /s/ William C. Maier
                                        ----------------------------------------
                                        Name:  William C. Maier
                                        Title: Senior Vice President
<PAGE>   9
                                                                               9

                                     US BANK NATIONAL ASSOCIATION

                                     by /s/ Andrew McDonald
                                        ----------------------------------------
                                        Name:  Andrew McDonald
                                        Title: Senior Vice President

                                     ING (U.S.) CAPITAL LLC,

                                     by /s/ William James
                                        ----------------------------------------
                                        Name:  William James
                                        Title: Vice President

                                     THE FUJI BANK, LIMITED,

                                     by /s/ Masahito Fukuda
                                        ----------------------------------------
                                        Name:  Masahito Fukuda
                                        Title: Senior Vice President

                                     DAI-ICHI KANGYO BANK LTD.,

                                     by /s/ Marvin Mirel Lazar
                                        ----------------------------------------
                                        Name:  Marvin Mirel Lazar
                                        Title: Assistant Vice President

                                     FIRST HAWAIIAN BANK,

                                     by /s/ Travis Ruetenik
                                        ----------------------------------------
                                        Name:  Travis Ruetenik
                                        Title: Assistant Vice President

<PAGE>   10
                                                                              10

                                     GENERAL ELECTRIC CAPITAL
                                     CORPORATION,

                                     by /s/ Karl Kieffer
                                        ----------------------------------------
                                        Name:  Karl Kieffer
                                        Title: Duly Authorized Signatory

                                     SUNTRUST BANK, INC.,

                                     by /s/ Thomas C. King, Jr.
                                        ----------------------------------------
                                        Name:  Thomas C. King, Jr.
                                        Title: Assistant Vice President

                                     COOPERATIEVE CENTRALE
                                     RAIFFEISEN-BOERENLEENBANK B.A.,
                                     "RABOBANK NEDERLAND",
                                     NEW YORK BRANCH,

                                     by /s/ Douglas W. Zylstra
                                        ----------------------------------------
                                        Name:  Douglas W. Zylstra
                                        Title: Senior Vice President

                                     by /s/ W. Pieter C. Kodde
                                        ----------------------------------------
                                        Name:  W. Pieter C. Kodde
                                        Title: Senior Vice President

                                     SUMMIT BANK,

                                     by /s/ Kenneth B. Stoddard
                                        ----------------------------------------
                                        Name:  Kenneth B. Stoddard
                                        Title: Vice President

<PAGE>   11
                                                                              11

                                     ROYAL BANK OF CANADA,

                                     by /s/ Barbara Meijer
                                        ----------------------------------------
                                        Name:  Barbara Meijer
                                        Title: Director

                                     NATIONAL CITY BANK,

                                     by /s/ Elizabeth Brosky
                                        ----------------------------------------
                                        Name:  Elizabeth Brosky
                                        Title: Corporate Banking Officer

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