Document:

<PAGE>
                                                                   EXHIBIT 10.18

                                 AMENDMENT NO. 1

         THIS AMENDMENT NO. 1 dated as of August 13, 2002 (this "Amendment") to
the Credit Agreement referenced below, is by and among HEALTHCARE REALTY TRUST
INCORPORATED, a Maryland corporation (the "Borrower"), the Banks and BANK OF
AMERICA, N.A., as administrative agent (in such capacity, the "Agent").
Capitalized terms used but not otherwise defined shall have the meanings
provided in the Credit Agreement.

                               W I T N E S S E T H

         WHEREAS, a revolving credit facility was established in favor of the
Borrower pursuant to the terms of that certain Credit Agreement dated as of July
2, 2001 (as amended and modified, the "Credit Agreement") among the Borrower,
the financial institutions identified therein (the "Banks"), the Agent and
Wachovia Bank, National Association (formerly First Union National Bank) and UBS
AG, Stamford Branch, as syndication agents;

         WHEREAS, the Borrower has requested certain modifications to the Credit
Agreement;

         WHEREAS, the Majority Banks have agreed to the requested modification
on the terms and conditions set forth herein;

         NOW, THEREFORE, IN CONSIDERATION of the premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

         SECTION 1         Amendments to the Credit Agreement.

         1.1      Consolidated Coverage Ratio. The following proviso is added at
the end of the definition of "Consolidated Coverage Ratio" in Section 1.01 of
the Credit Agreement to read as follows:

         (provided that the redemption by the Borrower of its 8-7/8% Series A
         Cumulative Preferred Stock in an aggregate amount not to exceed $76
         million shall be excluded for purposes of calculating the Consolidated
         Coverage Ratio).

         1.2      Repurchase or Redemption of Capital Stock. A second proviso is
added at the end of subsection 5.16(a) of the Credit Agreement to read as
follows:

         and provided further that, so long as no Default or Event of Default
         exists or would otherwise be caused thereby, the Borrower may (i)
         redeem its 8-7/8% Series A Cumulative Preferred Stock in an aggregate
         amount not to exceed $76 million, and (ii) repurchase, from time to
         time, its common stock in an aggregate amount not to exceed $25
         million.

         SECTION 2         Conditions Precedent. This Amendment shall become
immediately effective upon execution hereof by the Majority Banks and the
Borrower.

         SECTION 3         Miscellaneous.

         3.1      Except as modified hereby, all of the terms and provisions of
the Credit Agreement (including schedules and exhibits) shall remain in full
force and effect.

         3.2      The Borrower agrees to pay all reasonable costs and expenses
of the Agent in connection with the preparation, execution and delivery of this
Amendment, including the reasonable fees and expenses of Moore & Van Allen,
PLLC.

<PAGE>

         3.3      This Amendment may be executed in any number of counterparts,
each of which when so executed and delivered shall be deemed an original, and it
shall not be necessary in making proof of this Amendment to produce or account
for more than one such counterpart.

         3.4      This Amendment shall be governed by and construed in
accordance with the laws of the State of North Carolina.

                  [remainder of page intentionally left blank]

                                       2
<PAGE>

         IN WITNESS WHEREOF, each of the undersigned parties has caused this
Amendment to be executed as of the day and year first above written.

BORROWER:         HEALTHCARE REALTY TRUST INCORPORATED,
                  a Maryland corporation

                  By: /s/ Timothy G. Wallace
                     --------------------------------------------------------
                  Name:  Timothy G. Wallace
                  Title: Executive Vice President and Chief Executive Officer

AGENT:            BANK OF AMERICA, NA.

                  By: /s/ Kevin R. Wagley
                     --------------------------------------------------------
                  Name: Kevin R. Wagley
                  Title: Principal

BANKS:            BANK OF AMERICA, NA.

                  By: /s/ Kevin R. Wagley
                     --------------------------------------------------------
                  Name: Kevin R. Wagley
                  Title: Principal

                  WACHOVIA BANK, NATIONAL ASSOCIATION
                  (formerly First Union National Bank)

                  By: /s/ Rex E. Rudy
                     --------------------------------------------------------
                  Name: Rex E. Rudy
                  Title: Director

                  UBS AG, STAMFORD BRANCH

                  By: /s/ Wilfred V. Saint        /s/ Luke Goldsworthy
                     --------------------------------------------------------
                  Name: Wilfred V. Saint          Luke Goldsworthy
                  Title: Associate Director       Associate Director

                  FIRST TENNESSEE BANK NATIONAL ASSOCIATION

                  By: /s/ Todd Carter
                     --------------------------------------------------------
                  Name: Todd Carter
                  Title: Vice President

                  AMSOUTH BANK

                  By: /s/ T.G. Powers
                     --------------------------------------------------------
                  Name: T.G. Powers
                  Title: Vice President

                  CREDIT LYONNAIS NEW YORK BRANCH

                  By: /s/ Charles Heidsieck
                     --------------------------------------------------------
                  Name: Charles Heidsieck
                  Title: Senior Vice President

                                       3<PAGE>
                                                                   EXHIBIT 4.3.3

                       CERTIFICATE OF OWNERSHIP AND MERGER

                                       OF

                                 CW MERGER CORP.
                             A DELAWARE CORPORATION

                                      INTO

                       COUNTRYWIDE CREDIT INDUSTRIES, INC.
                             A DELAWARE CORPORATION

                         (Pursuant to Section 253 of the
                        Delaware General Corporation Law)

      Countrywide Credit Industries, Inc., a Delaware corporation organized and
existing under the laws of the State of Delaware (the "Corporation"), does
hereby certify that:

      FIRST: The Corporation was incorporated on December 2, 1986 pursuant to
the General Corporation Law of the State of Delaware.

      SECOND: The Corporation is the owner of all of the issued and outstanding
common shares of CW Merger Corp., a Delaware corporation incorporated on October
16, 2002, pursuant to the General Corporation Law of the State of Delaware.

      THIRD: The Corporation hereby merges CW Merger Corp. into the Corporation.

      FOURTH: In a Telephonic Meeting of the Board of Directors of the
Corporation on October 23, 2002, the Board of Directors adopted the following
recitals and resolutions to merge CW Merger Corp. into the Corporation:

            WHEREAS, this Board of Directors has previously deemed it advisable
      and in the best interest of the Corporation to change its corporate name;
      and

            WHEREAS, it is proposed that CW Merger Corp., a Delaware corporation
      and wholly owned subsidiary of the Corporation be merged into the
      Corporation, with the Corporation being the surviving entity for the
      purpose of effectuating the name change;

            NOW THEREFORE, BE IT RESOLVED, That CW Merger Corp., a Delaware
      corporation ("CMC") merge and it hereby does merge into the Corporation
      pursuant to the provisions of Section 253 of the Delaware General
      Corporation Law and Sections 332 and 337 of the Internal Revenue Code of
      1986, as amended (the "IRC"), with the Corporation being the surviving
      entity (the "Merger");

            RESOLVED FURTHER, That the Merger be and it hereby is, approved and
      authorized;

<PAGE>

            RESOLVED FURTHER, That the Merger shall become effective upon the
      filing of a Certificate of Ownership and Merger with the Secretary of
      State of the State of Delaware in accordance with the Delaware General
      Corporation Law (the "Effective Date");

            RESOLVED FURTHER, That upon the Effective Date (i) the separate
      existence and corporate organization of CMC shall cease and the
      Corporation shall thereupon become the surviving corporation and shall
      continue its existence under Delaware law, (ii) the Corporation shall
      assume all of the obligations and liabilities of CMC, and (iii) the issued
      and outstanding shares of stock of CMC shall not be converted in any
      manner, but each said share of stock which is issued as of the Effective
      Date shall be surrendered and cancelled;

            RESOLVED FURTHER, That upon the Effective Date, the name of the
      Corporation shall be changed to "Countrywide Financial Corporation" and
      ARTICLE FIRST of the Restated Certificate of Incorporation of the
      Corporation shall be amended to read as follows:

            "FIRST: The name of the corporation is Countrywide Financial
      Corporation."

            RESOLVED FURTHER, That, except for the foregoing amendment to
      ARTICLE FIRST, the Restated Certificate of Incorporation shall remain
      unchanged by the Merger and in full force and effect until further amended
      in accordance with the Delaware General Corporation Law;

            RESOLVED FURTHER, That the distribution of the assets of CMC
      pursuant to the Merger shall constitute a plan of complete liquidation of
      CMC and shall in all particulars conform to the requirements of Sections
      332 and 337 of the IRC;

            RESOLVED FURTHER, That the officers of the Corporation be, and they
      hereby are, authorized, empowered and directed for and on behalf of the
      Corporation and in its name (i) to execute and file or cause to be filed
      with the Delaware Secretary of State a Certificate of Ownership and Merger
      evidencing the Merger pursuant to which the Corporation will change its
      name as described above, (ii) to cause to be filed certificates evidencing
      the Merger and change of name with such other states where the Corporation
      is qualified to do business as may require a filing evidencing the Merger
      or change of name, and (iii) to execute and file or cause to be filed any
      such other documents as may be required to evidence the Merger or change
      of name;

            RESOLVED FURTHER, That all actions taken and documents executed by
      the officers or other authorized representative of the Corporation, or any
      person or persons designated and authorized to act by any of them, prior
      to the adoption of these resolutions in connection with the transactions
      described above, are hereby ratified, confirmed, approved and adopted in
      all respects; and

            RESOLVED FURTHER, That the officers of the Corporation, and any of
      them, be, and each of them hereby is, authorized, empowered and directed
      to do or

                                     - 2 -
<PAGE>

      cause to be done all such acts or things and to sign and deliver, or cause
      to be signed and delivered all such further agreements, documents,
      instruments and certificates, required or permitted to be given or made in
      connection with the Merger and the change of name, in the name and on
      behalf of the Corporation or otherwise (including without limitation any
      written consents as the sole stockholder of CMC), as such officer or
      officers of the Corporation executing the same shall deem necessary,
      advisable or appropriate to carry out the purposes and intent of the
      foregoing resolutions with such changes, additions and modifications
      thereto and any supplements or amendments thereof, as such officers
      executing and/or delivering the same have approved, such approval to be
      conclusively evidenced by such officer's execution and delivery thereof
      and to perform the obligations of the Corporation.

            IN WITNESS WHEREOF, the Corporation has caused this certificate to
      be executed by its duly authorized officer this 7th day of November, 2002.

                             COUNTRYWIDE CREDIT INDUSTRIES, INC.
                             a Delaware corporation

                             By:  /s/ Sandor E. Samuels
                                 --------------------------------------------
                                 Sandor E. Samuels, Senior Managing Director,
                                 Legal, General Counsel & Secretary

                                     - 3 -

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00047-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00047-of-00352.parquet"}]]