Document:

Exhibit 10.1

                           LOAN MODIFICATION AGREEMENT

       This Loan Modification Agreement (this "Loan Modification Agreement") is
dated as of July 20, 2007, and effective as of June 5, 2007, by and between
SILICON VALLEY BANK, a California corporation, with its principal place of
business at 3003 Tasman Drive, Santa Clara, California 95054 and with a loan
production office located at One Newton Executive Park, Suite 200, 2221
Washington Street, Newton, Massachusetts 02462 ("Bank") and NETSCOUT SYSTEMS,
INC., a Delaware corporation with offices at 310 Littleton Road, Westford,
Massachusetts 01886-4105 ("Borrower").

1.     DESCRIPTION OF EXISTING INDEBTEDNESS AND OBLIGATIONS. Among other
indebtedness and obligations which may be owing by Borrower to Bank, Borrower is
indebted to Bank pursuant to a certain loan arrangement dated as of March 12,
1998, evidenced by, among other documents, a certain Amended and Restated Loan
and Security Agreement dated as of March 12, 1998 between Borrower and Bank, as
amended by certain Loan Modification Agreements between Borrower and Bank dated
March 11, 1999, March 10, 2000, June 27, 2000, March 9, 2001, August 14, 2001,
September 7, 2001, March 10, 2002, November 7, 2002, March 19, 2003, dated as of
July 31, 2003, effective as of June 8, 2003, June 8, 2004, and June 9, 2005 (as
may be amended from time to time, the "Loan Agreement"). The Loan Agreement
established a working capital line of credit in favor of Borrower in the maximum
principal amount of Ten Million Dollars ($10,000,000.00) (the "Committed
Revolving Line"). Capitalized terms used but not otherwise defined herein shall
have the same meaning as in the Loan Agreement.

       Hereinafter, all indebtedness and obligations owing by Borrower to Bank
shall be referred to as the "Obligations".

2.     DESCRIPTION OF COLLATERAL. Repayment of the Obligations is secured by the
Collateral as described in the Loan Agreement (together with any other
collateral security granted to Bank, the "Security Documents").

Hereinafter, the Security Documents, together with all other documents
evidencing or securing the Obligations shall be referred to as the "Existing
Loan Documents".

3.     DESCRIPTION OF CHANGE IN TERMS.

       A.     Modifications to Loan Agreement.

              1.     The Loan Agreement shall be amended by deleting the
                     following text appearing as Section 6.2 thereof, entitled
                     "Financial Statements, Reports, Certificates":

                     "6.2 Financial Statements, Reports, Certificates.

<PAGE>

                            (a) Borrower shall deliver to Bank: (i) as soon as
                     available, but no later than forty-five (45) days after the
                     last day of each quarter, a company prepared consolidated
                     balance sheet and income statement covering Borrower's
                     consolidated operations during the period, in a form
                     acceptable to Bank and certified by a Responsible Office,
                     (ii) as soon as available, but no later than forty-five
                     (45) days after the last day of each quarter, copies of all
                     statements, reports and notices made available to
                     Borrower's security holders or to any holders of
                     Subordinated Debt and all reports on Form 10-Q filed with
                     the Securities and Exchange Commission; (iii) as soon as
                     available, but no later than one hundred twenty (120) days
                     after the last day of Borrower's fiscal year, audited
                     consolidated financial statements prepared under GAAP,
                     consistently applied, together with an unqualified opinion
                     on the financial statements from an independent certified
                     public accounting firm acceptable to Bank; (iv) as soon as
                     available, but not later than one hundred twenty (120) days
                     after the last day of Borrower's fiscal year, copies of all
                     statements, reports and notices made available to
                     Borrower's security holders or to any holders of
                     Subordinated Debt and all reports on Form 10-K filed with
                     the Securities and Exchange Commission; (v) within five (5)
                     days of filing with the Securities Exchange Commission, the
                     Form 8-K; (vi) a prompt report of any legal actions pending
                     or threatened against Borrower or any Subsidiary that could
                     result in damages or costs to Borrower or any Subsidiary of
                     One Hundred Thousand Dollars ($100,000.00) or more; and
                     (vii)other financial information reasonably requested by
                     Bank.

                            (b) Within forty-five (45) days after the last day
                     of each quarter, Borrower shall deliver to Bank a
                     Compliance Certificate signed by a Responsible Office."

              and inserting in lieu thereof the following:

                     "6.2 Financial Statements, Reports, Certificates.

                            (a) Borrower shall deliver to Bank: (i) within 5
                     days of filing, all reports on Form 10-K, and 10-Q filed
                     with the Securities and Exchange Commission, (ii) at least
                     annually, and with any updates, Board approved financial
                     projections no later than forty-five (45) days after such
                     approval, (iii) a prompt report of any legal actions
                     pending or threatened against Borrower or any Subsidiary
                     that could result in damages or costs to Borrower or any
                     Subsidiary of One Hundred Thousand Dollars ($100,000.00) or
                     more; and (iv) other financial information reasonably
                     requested by Bank.

                            (b) Contemporaneously with the delivery of the Form
                     10-K, and 10-Q to the Bank, Borrower shall also deliver to
                     Bank a Compliance Certificate signed by a Responsible
                     Office."

              2.     The Loan Agreement shall be amended by deleting the
                     following definition appearing in Section 13.1 thereof:

                            ""Revolving Maturity Date" means June 6, 2007."

                     and inserting in lieu thereof the following:

                            ""Revolving Maturity Date" means June 4, 2009."

              3.     The Compliance Certificate attached as Exhibit C to the
                     Loan Agreement is hereby replaced with the Compliance
                     Certificate attached as Exhibit A hereto.

<PAGE>

4.     FEES. Borrower shall pay to Bank a modification fee of Forty-Five
Thousand Dollars ($45,000.00), which fee shall be earned as of the date hereof
and shall be payable as follows: (i) Twenty-Five Thousand Dollars ($25,000.00)
on the date hereof and (ii) Twenty Thousand Dollars ($20,000.00) on the sooner
to occur of (x) __________, 2008 [DATE WHICH IS ONE YEAR FROM THE DATE HEREOF,
(y) the early termination of the Loan Agreement, or (z) the occurrence of an
Event of Default. Borrower shall also reimburse Bank for all legal fees and
expenses incurred in connection with this amendment to the Existing Loan
Documents.

5.     CONSISTENT CHANGES. The Existing Loan Documents are hereby amended
wherever necessary to reflect the changes described above.

6.     RATIFICATION OF LOAN DOCUMENTS. Borrower hereby ratifies, confirms, and
reaffirms all terms and conditions of all security or other collateral granted
to the Bank, and confirms that the indebtedness secured thereby includes,
without limitation, the Obligations.

7.     NO DEFENSES OF BORROWER. Borrower hereby acknowledges and agrees that
Borrower has no offsets, defenses, claims, or counterclaims against Bank with
respect to the Obligations, or otherwise, and that if Borrower now has, or ever
did have, any offsets, defenses, claims, or counterclaims against Bank, whether
known or unknown, at law or in equity, all of them are hereby expressly WAIVED
and Borrower hereby RELEASES Bank from any liability thereunder.

8.     CONTINUING VALIDITY. Borrower understands and agrees that in modifying
the existing Obligations, Bank is relying upon Borrower's representations,
warranties, and agreements, as set forth in the Existing Loan Documents. Except
as expressly modified pursuant to this Loan Modification Agreement, the terms of
the Existing Loan Documents remain unchanged and in full force and effect.
Bank's agreement to modifications to the existing Obligations pursuant to this
Loan Modification Agreement in no way shall obligate Bank to make any future
modifications to the Obligations. Nothing in this Loan Modification Agreement
shall constitute a satisfaction of the Obligations. It is the intention of Bank
and Borrower to retain as liable parties all makers of Existing Loan Documents,
unless the party is expressly released by Bank in writing. No maker will be
released by virtue of this Loan Modification Agreement.

9.     COUNTERSIGNATURE. This Loan Modification Agreement shall become effective
only when it shall have been executed by Borrower and Bank.

<PAGE>

       This Loan Modification Agreement is executed as a sealed instrument under
the laws of the Commonwealth of Massachusetts as of the date first written
above.

BORROWER:                                      BANK:

NETSCOUT SYSTEMS, INC.                         SILICON VALLEY BANK

By:    /s/ David P. Sommers                    By:     /s/ Bradley Holt
   -----------------------------------------      ------------------------------

Name: David P. Sommers                         Name: Bradley Holt

Title: CFO and Senior VP, General Operations   Title: Vice President

56120/582EXECUTION EXHIBIT 10.1

                      SECOND AMENDMENT TO CREDIT AGREEMENT

     THIS SECOND AMENDMENT TO CREDIT AGREEMENT (this "Amendment") is dated as of
July 20, 2007 and is entered into by and among THE BABCOCK & WILCOX COMPANY, a
Delaware corporation (the "Borrower"), CERTAIN OF THE GUARANTORS executing the
signature pages hereto, CERTAIN LENDERS AND SYNTHETIC INVESTORS (as such terms
are defined in the hereinafter described Credit Agreement) listed on the
signature pages hereto (the "Lenders"), and CREDIT SUISSE, CAYMAN ISLANDS
BRANCH, as Administrative Agent (in such capacity, "Administrative Agent") and
as Collateral Agent (in such capacity, "Collateral Agent"), and is made with
reference to that certain CREDIT AGREEMENT dated as of February 22, 2006 (as
amended by the First Amendment dated as of July 9, 2007, the "Credit Agreement")
by and among Borrower, Lenders, Administrative Agent and the other agents party
thereto. Capitalized terms used herein without definition shall have the same
meanings herein as set forth in the Credit Agreement after giving effect to this
Amendment.

                                    RECITALS

     WHEREAS, the Borrower has requested that the Lenders and the Synthetic
Investors agree to amend certain provisions of the Credit Agreement as provided
for herein; and

     WHEREAS, subject to certain conditions provided for herein, the Lenders and
the Synthetic Investors are willing to agree to such amendments.

     NOW, THEREFORE, in consideration of the premises and the agreements,
provisions and covenants herein contained, the parties hereto agree as follows:

SECTION I. Amendments

1.1      Amendments to Section 1: Definitions.
         -------------------------------------

     Section 1.1 of the Credit Agreement is hereby amended by adding the
following definitions in proper alphabetical sequence:

          "Second Amendment" means that certain Second Amendment to Credit
     Agreement dated as of July 20, 2007 among the Borrower, the Administrative
     Agent, the Collateral Agent and the Lenders and Synthetic Investors listed
     on the signature pages thereto.

          "Second Amendment Effective Date" means the date of satisfaction of
     the conditions referred to in Section II of the Second Amendment.

1.2      Amendments to Section 2.12: Fees.
         ---------------------------------

     Section 2.12(b) (Letter of Credit Fees) of the Credit Agreement is hereby
amended by inserting the phrase "equal to a percentage per annum as agreed to by
each Issuer acting in its sole and individual discretion but in no case greater
than" immediately following the words "an issuance fee" and immediately
preceding "0.125%" in clause (i) therein.

                                       1
<PAGE>

1.3      Amendments to Schedule I: Commitments.
         --------------------------------------

     Schedule I of the Credit Agreement is hereby amended by deleting it in its
entirety and replacing it with the new Schedule I annexed hereto as Exhibit A.
Each Lender that is not, prior to the Second Amendment Effective Date a party to
the Credit Agreement as a Lender (i) confirms that it has received a copy of the
Credit Agreement and the other Loan Documents, together with copies of the most
recent financial statements of the Borrower delivered pursuant thereto and such
other documents and information as it has deemed appropriate to make its own
credit analysis and decision to enter into this Amendment; (ii) agrees that it
has, independently and without reliance upon the Administrative Agent, the
Collateral Agent or any other Lender and based on such documents and information
as it has deemed appropriate, made its own credit analysis and decision to enter
into this Amendment; (iii) agrees that it will, independently and without
reliance upon the Administrative Agent, the Collateral Agent or any other Lender
and based on such documents and information as it shall deem appropriate at the
time, continue to make its own credit decisions in taking or not taking action
under the Loan Documents; (iv) appoints and authorizes the Administrative Agent
and the Collateral Agent to take such action as agent on its behalf and to
exercise such powers and discretion under the Loan Documents as are delegated to
the Administrative Agent and the Collateral Agent by the terms thereof, together
with such powers and discretion as are reasonably incidental thereto; and (v)
agrees that it is a "Lender" under the Loan Documents and will perform in
accordance with their terms all of the obligations that by the terms of the Loan
Documents are required to be performed by it as a Lender. The Administrative
Agent and each Lender hereby agrees that the Increased Amount Date for the New
Revolving Commitments set forth on the new Schedule I annexed hereto as Exhibit
A shall be the Second Amendment Effective Date, notwithstanding that the
Increased Amount Date is less than 10 Business Days after the date of the notice
of the New Revolving Commitments delivered by the Borrower to the Administrative
Agent pursuant to Section 2.18

1.4  Amendments to Schedule II: Applicable Commitment Fee Rate and Applicable
     ------------------------------------------------------------------------
     Margin.
     -------

     Schedule II of the Credit Agreement is hereby amended by deleting it in its
entirety and replacing it with the new Schedule II annexed hereto as Exhibit B.

SECTION II. CONDITIONS TO EFFECTIVENESS

     This Amendment shall become effective as of the date hereof only upon the
satisfaction of all of the following conditions precedent (the date of
satisfaction of such conditions being referred to herein as the "Second
Amendment Effective Date"):

     A. Execution. The Administrative Agent shall have received a counterpart
signature page of this Amendment duly executed by the Borrower, each of the
Guarantors and 100 % of all the affected Lenders and affected Synthetic
Investors (it being understood that such unanimous vote may be obtained
following the utilization by the Borrower of its option to cause the assignment
of the Loans held by or amounts on deposit in the Sub-Account of, as the case
may be, any Non-Consenting Lender pursuant to subsection 11.1(c) of the Credit
Agreement).

                                       2
<PAGE>

     B. Opinions. The Administrative Agent shall have received favorable written
opinions of (a) Baker Botts L.L.P., counsel to the Loan Parties and (b) Liane K.
Hinrichs, Vice President, General Counsel and Corporate Secretary of the
Borrower, in each case dated as of the Second Amendment Effective Date
addressing such matters as the Administrative Agent may reasonably request.

SECTION III. REAFFIRMATION OF CREDIT SUPPORT

     A. Each of the Borrower and each Guarantor (each, individually, a "Credit
Support Party" and, collectively, the "Credit Support Parties") has read this
Amendment and consents to the terms hereof and further hereby confirms and
agrees that, notwithstanding the effectiveness of this Amendment, the
obligations of such Credit Support Party under, and the Liens granted by such
Credit Support Party as collateral security for the Indebtedness, obligations
and liabilities evidenced by the Credit Agreement and the other Loan Documents
pursuant to, each of the Loan Documents to which such Credit Support Party is a
party shall not be impaired and each of the Loan Documents to which such Credit
Support Party is a party is, and shall continue to be, in full force and effect
and are hereby confirmed and ratified in all respects

     B. Each Credit Support Party (other than the Borrower) acknowledges and
agrees that (i) notwithstanding the conditions to effectiveness set forth in
this Amendment, such Credit Support Party is not required by the terms of the
Credit Agreement or any other Loan Document to consent to the amendments to the
Credit Agreement effected pursuant to this Amendment and (ii) nothing in the
Credit Agreement, this Amendment or any other Loan Document shall be deemed to
require the consent of such Credit Support Party to any future amendments to the
Credit Agreement.

SECTION IV. REPRESENTATIONS AND WARRANTIES

     In order to induce Lenders and Synthetic Investors to enter into this
Amendment and to amend the Credit Agreement in the manner provided herein, the
Borrower represents and warrants to each Lender and each Synthetic Investor that
the following statements are true and correct in all material respects:

     A. Corporate Power and Authority. The Borrower and each Guarantor has all
requisite corporate or other organizational power and authority to enter into
this Amendment and to carry out the transactions contemplated by, and perform
its obligations under, the Credit Agreement and the other Loan Documents.

     B. Authorization of Agreements. The execution and delivery of this
Amendment has been duly authorized by all necessary corporate or other
organizational action on the part of the Borrower and each Guarantor.

                                       3
<PAGE>
     C. No Conflict. The execution and delivery by the Borrower and each
Guarantor of this Amendment does not and will not (i) violate (A) any provision
of any law, statute, rule or regulation, or of the certificate or articles of
incorporation or partnership agreement, other constitutive documents or by-laws
of the Borrower or any such Guarantor or (B) any applicable order of any court
or any rule, regulation or order of any Governmental Authority, (ii) be in
conflict with, result in a breach of or constitute (alone or with notice or
lapse of time or both) a default under any Contractual Obligation of the
Borrower or any Guarantor, where any such conflict, violation, breach or default
referred to in clause (i) or (ii) of this Section IV.C., individually or in the
aggregate could reasonably be expected to have a Material Adverse Effect, (iii)
except as permitted under the Credit Agreement, result in or require the
creation or imposition of any Lien upon any of the properties or assets of the
Borrower or any such Guarantor (other than any Liens created under any of the
Loan Documents in favor of Collateral Agent on behalf of Lenders), or (iv)
require any approval of stockholders or partners or any approval or consent of
any Person under any Contractual Obligation of the Borrower or any Guarantor
except for such approvals or consents which will be obtained on or before the
Second Amendment Effective Date and except for any such approvals or consents
the failure of which to obtain will not have a Material Adverse Effect.

     D. Governmental Consents. No action, consent or approval of, registration
or filing with or any other action by any Governmental Authority is or will be
required in connection with the execution and delivery by the Borrower or any
Guarantor, except for such actions, consents and approvals the failure of which
to obtain or make could not reasonably be expected to result in a Material
Adverse Effect or which have been obtained and are in full force and effect.

     E. Binding Obligation. This Amendment has been duly executed and delivered
by the Borrower and each Guarantor and constitutes a legal, valid and binding
obligation of the Borrower and each such Guarantor, enforceable against the
Borrower and each Guarantor in accordance with its terms, except as
enforceability may be limited by bankruptcy, insolvency, moratorium,
reorganization or other similar laws affecting creditors' rights generally and
except as enforceability may be limited by general principles of equity
(regardless of whether such enforceability is considered in a proceeding in
equity or at law).

     F. Incorporation of Representations and Warranties from Credit Agreement.
The representations and warranties contained in Article IV of the Credit
Agreement are and will be true and correct in all material respects on and as of
the Second Amendment Effective Date to the same extent as though made on and as
of that date, except to the extent such representations and warranties
specifically relate to an earlier date, in which case they were true and correct
in all material respects on and as of such earlier date.

     G. Absence of Default. No event has occurred and is continuing or will
result from the consummation of the transactions contemplated by this Amendment
that would constitute an Event of Default or a Default, except for the events
expressly being waived hereby.

SECTION V. MISCELLANEOUS

     A. Effect on the Credit Agreement and the Other Loan Documents.

          (i) Except as specifically modified by this Amendment, the Credit
     Agreement and the other Loan Documents shall remain in full force and
     effect and are hereby ratified and confirmed.

                                       4
<PAGE>

          (ii) The execution, delivery and performance of this Amendment shall
     not constitute a waiver of any provision of, or operate as a waiver of any
     right, power or remedy of any Agent, Lender or Synthetic Investor under,
     the Credit Agreement or any of the other Loan Documents except as otherwise
     expressly provided for herein.

     B. Headings. Section and Subsection headings in this Amendment are included
herein for convenience of reference only and shall not constitute a part of this
Amendment for any other purpose or be given any substantive effect.

     C. Applicable Law. THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE
PARTIES HEREUNDER SHALL BE GOVERNED BY, AND SHALL BE CONSTRUED AND ENFORCED IN
ACCORDANCE WITH, THE INTERNAL LAWS OF THE STATE OF NEW YORK (INCLUDING WITHOUT
LIMITATION SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW OF THE STATE OF NEW
YORK), WITHOUT REGARD TO CONFLICTS OF LAWS PRINCIPLES.

     D. Counterparts. This Amendment may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of
which when so executed and delivered shall be deemed an original, but all such
counterparts together shall constitute but one and the same instrument;
signature pages may be detached from multiple separate counterparts and attached
to a single counterpart so that all signature pages are physically attached to
the same document.

               [Remainder of this page intentionally left blank.]

                                       5
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed and delivered by their respective officers thereunto duly
authorized as of the date first written above.

BORROWER:                   THE BABCOCK & WILCOX COMPANY

                            By:  /s/ Janet Duncan
                               -----------------------------------------------
                            Name:  Janet Duncan
                            Title: Assistant Treasurer

GUARANTORS:                 AMERICON, INC.
                            APPLIED SYNERGISTICS, INC.
                            BABCOCK & WILCOX CHINA HOLDINGS, INC.
                            BABCOCK & WILCOX CONSTRUCTION CO., INC.
                            BABCOCK & WILCOX DENMARK HOLDINGS, INC.
                            BABCOCK & WILCOX EBENSBURG POWER, INC.
                            BABCOCK & WILCOX INTERNATIONAL SALES AND SERVICE
                            CORPORATION
                            BABCOCK & WILCOX INTERNATIONAL, INC.
                            DIAMOND POWER AUSTRALIA HOLDINGS, INC.
                            DIAMOND POWER CHINA HOLDINGS, INC.
                            DIAMOND POWER EQUITY INVESTMENTS, INC.
                            DIAMOND POWER INTERNATIONAL, INC.
                            PALM BEACH RESOURCE RECOVERY CORPORATION

                            By:   /s/ Janet Duncan
                               -----------------------------------------------
                            Name:  Janet Duncan
                            Title: Assistant Treasurer of each of the above-
                                   listed Guarantors

<PAGE>

                            AMERICON EQUIPMENT SERVICES, INC.
                            B&W SERVICE COMPANY
                            BABCOCK & WILCOX EQUITY INVESTMENTS, INC.
                            DIAMOND OPERATING CO., INC.
                            POWER SYSTEMS OPERATIONS, INC.
                            REVLOC RECLAMATION SERVICE, INC.

                            By:  /s/ Robert E. Stumpf
                               -----------------------------------------------
                            Name:  Robert E. Stumpf
                            Title: Assistant Secretary

                            NATIONAL ECOLOGY COMPANY
                            NORTH COUNTY RECYCLING, INC.

                            By:  /s/ Robert E. Stumpf
                               -----------------------------------------------
                            Name:  Robert E. Stumpf
                            Title: Secretary and Treasurer

<PAGE>

AGENT and LENDER:      CREDIT SUISSE, CAYMAN ISLANDS BRANCH,
                       as Administrative Agent, Lender, Synthetic Investor and
                       Collateral Agent

                       By:  /s/ Robert Hetu
                            --------------------------------------------------
                            Name:  Robert Hetu
                            Title: Managing Director

                       By:  /s/ Denise L. Alvarez
                            --------------------------------------------------
                            Name:  Denise L. Alvarez
                            Title: Associate

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   ALLIED IRISH BANKS, PLC

                                   By:   /s/ Shreya Shah
                                      ----------------------------------------
                                         Name:  Shreya Shah
                                         Title: Vice President

                                   By:   /s/ Gregory J. Wiske
                                      ----------------------------------------
                                           Name:  Gregory J. Wiske
                                           Title: Vice President

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   BANK OF AMERICA, N.A.

                                   By:      /s/ Robert W. Troutman
                                        --------------------------------------
                                           Name:  Robert W. Troutman
                                           Title: Managing Director

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   THE BANK OF NOVA SCOTIA

                                   By:      /s/ D. Mills
                                        --------------------------------------
                                           Name:  D. Mills
                                           Title: Director

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   BNP PARIBAS

                                   By:      /s/ Pierre-Nicholas Rogers
                                        --------------------------------------
                                           Name:  Pierre-Nicholas Rogers
                                           Title: Managing Director

                                   By:      /s/ Jamie Dillon
                                        --------------------------------------
                                           Name:  Jamie Dillon
                                           Title: Managing Director

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   CALYON NEW YORK BRANCH

                                   By:      /s/ Page Dillehunt
                                        --------------------------------------
                                           Name:  Page Dillehunt
                                           Title: Managing Director

                                   By:      /s/ Michael Willis
                                        --------------------------------------
                                           Name:  Michael Willis
                                           Title: Director

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   JPMORGAN CHASE BANK, N.A.

                                   By:      /s/ Dianne L. Russell
                                        --------------------------------------
                                           Name:  Dianne L. Russell
                                           Title: Vice President

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   NATIXIS

                                   By:      /s/ Donovan C. Broussard
                                        --------------------------------------
                                           Name:  Donovan C. Broussard
                                           Title: Managing Director

                                   By:      /s/ Daniel Payer
                                        --------------------------------------
                                           Name:  Daniel Payer
                                           Title: Director

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   NATIONAL CITY BANK

                                   By:      /s/ Stephen Monto
                                        --------------------------------------
                                           Name:  Stephen Monto
                                           Title: Vice President

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   PNC BANK, NATIONAL ASSOCIATION

                                   By:  /s/ W. J. Bowne
                                        --------------------------------------
                                           Name:  W. J. Bowne
                                           Title: Managing Director

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   WACHOVIA BANK, NATIONAL ASSOCIATION

                                   By:  /s/ Kenneth C. Coulter
                                        --------------------------------------
                                           Name:  Kenneth C. Coulter
                                           Title: Vice President

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   WELLS FARGO BANK, N.A.

                                   By:      /s/ Philip C. Lauinger III
                                        --------------------------------------
                                           Name:  Philip C. Lauinger III
                                           Title: Senior Vice President

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   AMEGY BANK N.A.

                                   By:      /s/ Michael Skarke
                                        --------------------------------------
                                           Name:  Michael Skarke
                                           Title: Banking Officer

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   BANK OF SCOTLAND

                                   By:      /s/ Joseph Fratus
                                        --------------------------------------
                                           Name:  Joseph Fratus
                                           Title: First Vice President

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   COMPASS BANK

                                   By:      /s/ Tom Brosig
                                        --------------------------------------
                                           Name:  Tom Brosig
                                           Title: Senior Vice President

<PAGE>

LENDERS and
SYNTHETIC INVESTORS
                                   By signing below, you have indicated your
                                   consent to the Second Amendment to the Credit
                                   Agreement

                                   Name of Institution:

                                   WHITNEY NATIONAL BANK

                                   By:      /s/ Larry Stephens
                                        --------------------------------------
                                           Name:  Larry Stephens
                                           Title: Vice President

<PAGE>

                                    EXHIBIT A

                                                                      Schedule I
                                                             To Credit Agreement

                 Lender                               Revolving Commitment
------------------------------------------- ------------------------------------
                    BNP                                   $40,000,000.00
   Credit Suisse, Cayman Islands Branch                   $40,000,000.00
         JPMorgan Chase Bank, N.A.                        $40,000,000.00
          The Bank of Nova Scotia                         $40,000,000.00
    Wachovia Bank, National Association                   $40,000,000.00
           Bank of America, N.A.                          $35,000,000.00
          Calyon New York Branch                          $35,000,000.00
          Wells Fargo Bank, N.A.                          $35,000,000.00
             Bank of Scotland                             $18,000,000.00
      Amegy Bank National Association                     $17,000,000.00
               Compass Bank                               $16,000,000.00
           Whitney National Bank                          $15,000,000.00
        Natixis Banques Populaires                        $12,000,000.00
      PNC Bank, National Association                       $8,000,000.00
          Allied Irish Bank, PLC.                          $5,000,000.00
            National City Bank                             $4,000,000.00
                   Total                                  $400,000,000.00

<PAGE>

                                    EXHIBIT B

                                   Schedule II
                                   -----------
              Applicable Commitment Fee Rate and Applicable Margin
              ----------------------------------------------------

1.       Applicable Commitment Fee Rate
         ------------------------------

"Applicable Commitment Fee Rate" means, with respect to the Revolving Facility,
the applicable percentage per annum on the undrawn portion of the Revolving
Commitments, determined by reference to the credit ratings of the Facilities by
each of S&P and Moody's, respectively, in effect from time to time as set forth
below; provided that if no such credit rating is available from either S&P or
Moody's then the Applicable Commitment Fee Rate shall be the highest rate set
forth below; provided further that if the ratings from Moody's and S&P fall
within one different level set forth below, pricing shall be based on the higher
rating, provided further that if the ratings from Moody's and S&P fall within
two different levels set forth below, pricing shall be based on the level one
level higher than the lowest of the two ratings:

                     Commitment Fee for Revolving Facility
            Credit Ratings                             Commitment Fee
--------------------------------------------------------------------------------
Baa2 or BBB or better                      0.250%
Baa3 or BBB-                               0.300%
Less than Baa3 or BBB-                     0.375%

2.       Applicable Margin
         -----------------

"Applicable Margin" means, with respect to Revolving Loans that are (i)
Eurodollar Rate Loans, a percentage, per annum, determined by reference to the
credit ratings of the Facilities by each of S&P and Moody's, respectively, in
effect from time to time as set forth below; provided that if no such credit
rating is available from either S&P or Moody's then the Applicable Margin shall
be the highest margin set forth below; provided further that if the ratings from
Moody's and S&P fall within one different level set forth below, pricing shall
be based on the higher rating, provided further that if the ratings from Moody's
and S&P fall within two different levels set forth below, pricing shall be based
on the level one level higher than the lowest of the two ratings:

            Credit Ratings            Applicable Margin for Revolving Loans
--------------------------------------------------------------------------------
Baa2 or BBB or better                 1.00%
Baa3 or BBB-                          1.25%
Ba1 or BB+                            1.50%
Less than Ba1 or BB+                  1.75%

and (ii) with respect to Revolving Loans that are Base Rate Loans, an amount
equal to (a) the Applicable Margin for Eurodollar Rate Loans as set forth above,
as applicable, minus (b) 1.00% per annum.

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