Document:

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                                                                   Exhibit 10.40
                             MATCHING RSU AGREEMENT
                       SECURITY CAPITAL GROUP INCORPORATED
                          1998 LONG-TERM INCENTIVE PLAN

         THIS AGREEMENT, dated as of the 14th day of January, 2002, by and
between ______________ (the "Participant") and Security Capital Group
Incorporated (the "Company").

         WHEREAS, the Company maintains the Security Capital Group Incorporated
1998 Long-Term Incentive Plan (the "Plan"), which is incorporated into and forms
a part of this Agreement, for the benefit of employees of the Company and
certain other Related Companies; and

         WHEREAS, SC Group Incorporated ("SC Group") maintains the SC Group
Incorporated Nonqualified Savings Plan (the "NSP") which includes as an
investment election the Company Stock Fund II; and

         WHEREAS, the Participant has elected to participate in the NSP, to
defer a portion of Participant's bonus for 2001 and has made an investment
election to invest in the Company Stock Fund II; and

         WHEREAS, the Committee has made available to the Participant a number
of restricted share units (the "Units") equal to 50% of the number of Credited
Shares (as defined below);

         NOW, THEREFORE, IT IS AGREED, by and between the Company and the
Participant as follows:

         1. Subject to the terms of the NSP, the Participant hereby elects to
invest $_____ of his or her deferred contribution to the NSP in the Company
Stock Fund II.

         2. The Company and the Participant agree that for purposes of this
Agreement, the Participant shall be credited on a notional basis with a number
of shares of Class B Common Stock of the Company (the "Shares") equal to the
amount of the Participant's deferred contribution to the Company Stock Fund II
divided by the price of the Shares on the New York Stock Exchange on January 18,
2002 (the "Credited Shares").

         3. On January 18, 2002, the Company shall issue Units to the
Participant equal to 50% of the number of Credited Shares. The Units shall be
issued under a Restricted Share Unit Agreement in the form attached as
Appendix 1.

         4. The Participant acknowledges and agrees that the Units shall vest on
January 18, 2005, the third anniversary of the grant date of the Units (the
"Vesting Date"). The Participant further acknowledges and agrees that if the
Participant terminates employment with the Company for any reason other than
death, disability or retirement before January 18, 2005, all Units shall be
forfeited, or if the Participant changes his or her investment election with
respect to the Company Stock Fund II before the Vesting Date, a percentage of
Units shall be forfeited equal to (a) the amount the Participant elects to
withdraw from his or her Company Stock Fund II account divided by (b) the value
of the Participant's Company Stock Fund II account at the time of such change in
investment election.

         5. The Participant shall notify the Company in writing if he or she
changes his or her investment election with respect to his or her Company Stock
Fund II account before January 18, 2005. Upon effectiveness of such change in
investment election, the Participant shall forfeit a number of Units as
described in paragraph 4.

         6. Any sale by the Participant of any Shares or other securities of the
Company or any change in investment election in the NSP, other than in the
Common Stock Fund II, shall not affect the vesting of the Units.

         7. This Agreement shall be governed by the laws of the state of
Maryland.

         8. This Agreement may be amended only by a written document signed by
the Company and the Participant.

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

                                               PARTICIPANT

                                               -----------------------------

                                               SECURITY CAPITAL GROUP
                                               INCORPORATED

                                               By
                                                 ---------------------------
                                               Jeffrey A. Klopf
                                               Senior Vice President & Secretary<PAGE>

                                 First Amendment
                                       TO
                         National Steel Credit Agreement

          This First Amendment (the "First Amendment"), dated as of December 10,
2001, by and among National Steel Corporation, a Delaware corporation (the
"Borrower"), the Requisite Lenders (as defined below), the Issuers (as defined
below), Citicorp USA, InC. ("CUSA"), as agent for the Lenders and the Issuers
(in such capacity, the "Administrative Agent"), Fleet Capital Corporation
("Fleet") and The CIT Group/business Credit, Inc. ("CIT") as Documentation
Agents, Heller Financial, Inc. ("Heller") and GMAC Business Credit, Llc ("GMAC")
as Syndication Agents, The Fuji Bank, Limited ("Fuji") as Co-Arranger, and
Salomon Smith Barney Inc. as Sole Book Manager and Sole Lead Arranger, to that
certain Credit Agreement dated as of September 28, 2001 by and among the
Borrower, the Administrative Agent, the Documentation Agents, the Syndication
Agents, the Co-Arranger, the Lenders and Issuers, and SSBI (the "Credit
Agreement"; capitalized terms used herein but not defined herein being used
herein as defined in the Credit Agreement).

                              W i t n e s s e t h:

          Whereas, the Borrower, the Requisite Lenders, the Administrative
Agent, the Documentation Agents and the Syndication Agents are parties to the
Credit Agreement and, as of the date hereof, the Requisite Lenders collectively
hold Commitments aggregating more than 50% of the aggregate outstanding amounts
of the Commitments; and

          Whereas, the parties hereto wish to amend the terms of the Credit
Agreement as set forth herein;

          Now, therefore, in consideration of the foregoing, the mutual
covenants and obligations herein set forth and other good and valuable
consideration, the adequacy and receipt of which is hereby acknowledged, and in
reliance upon the representations, warranties and covenants herein contained,
the parties hereto, intending to be legally bound, hereby agree as follows:

     Section 1. Amendment to Article II The Facilities. Section 2.13 of Article
II of the Credit Agreement is hereby amended in its entirety by replacing the
entire subsection (f) as follows:

               (f) Collateral Proceeds. The Borrower hereby
          irrevocably waives the right to direct, after the occurrence
          and during the continuance of an Event of Default, the
          application of any and all payments in respect of the
          Obligations and any proceeds of Collateral, and agrees that
          the Administrative Agent may, and, upon either (A) the
          written direction of the Requisite Lenders or (B) the
          acceleration of the Obligations pursuant to Section 9.2
          (Remedies), shall (x) deliver a Blockage Notice to each
          Deposit Account Bank and (y) apply all payments in respect

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          of any Obligations and all funds on deposit in any Cash
          Collateral Account (including all proceeds arising from a
          Reinvestment Event that are held in the Cash Collateral
          Account pending application of such proceeds as specified in
          a Reinvestment Notice) and all other proceeds of Collateral
          in the following order:

                    (i) first, to pay interest on and then
               principal of any portion of the Revolving Loans
               that the Administrative Agent or any of its
               Affiliates may have advanced on behalf of any
               Lender for which the Administrative Agent or such
               Affiliate has not then been reimbursed by such
               Lender or the Borrower;

                    (ii) second, to pay interest on and then
               principal of any Swing Loan;

                    (iii) third, to pay any cash management fee
               or any Obligation due under any Hedging Contract
               with any Lender or any of its Affiliates that (x)
               the Administrative Agent is fully aware of at the
               time of entry into such cash management
               arrangement or Hedging Contract, as the case may
               be, and (y) for which an appropriate amount has
               been reserved for by the Administrative Agent at
               or about such time as the entry into such cash
               management arrangement or Hedging Contract, as the
               case may be;

                    (iv) fourth, to pay Obligations in respect of
               any expense reimbursements or indemnities then due
               the Administrative Agent or any of its Affiliates;

                    (v) fifth, to pay Obligations in respect of
               any expense reimbursements or indemnities then due
               to the Lenders and the Issuers;

                    (vi) sixth, to pay Obligations in respect of
               any fees then due to the Administrative Agent or
               any of its Affiliates, the Lenders and the
               Issuers;

                    (vii) seventh, to pay interest then due and
               payable in respect of the Loans and Reimbursement
               Obligations;

                    (viii) eighth, to pay or prepay principal
               payments on the Loans and Reimbursement
               Obligations and to provide cash collateral for
               outstanding Letter of Credit Undrawn Amounts in
               the manner described in Section 9.3

                                      -2-

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               (Actions in Respect of Letters of Credit), ratably
               to the aggregate principal amount of such Loans,
               Reimbursement Obligations and Letter of Credit
               Undrawn Amounts, to the ratable payment of all
               other Obligations; and

                    (ix) ninth, to pay any other cash management
               fee or any Obligation due under any Hedging
               Contract with any Lender or any of its Affiliates
               for which no payment has been made in respect of
               (iii) hereinabove;

          provided, however, that, if sufficient funds are not
          available to fund all payments to be made in respect of any
          Obligation described in any of clauses (i) through (ix)
          above, the available funds being applied with respect to any
          such Obligation (unless otherwise specified in such clause)
          shall be allocated to the payment of such Obligations
          ratably, based on the proportion of the Administrative
          Agent's and each Lender's or Issuer's interest in the
          aggregate outstanding Obligations described in such clauses.
          The order of priority set forth in this clause (f) and the
          related provisions hereof are set forth solely to determine
          the rights and priorities of the Administrative Agent, the
          Swing Loan Lender, the Lenders, the Issuers and other
          Secured Parties as among themselves. The order of priority
          set forth in clauses (i) through (ix) hereinabove may at any
          time and from time to time be changed by the agreement of
          the Requisite Lenders without necessity of notice to or
          consent of or approval by the Borrower, any Secured Party
          which is not a Lender or Issuer or any other Person. The
          order of priority set forth in clauses (i) through (v) above
          may be changed only with the prior written consent of the
          Administrative Agent in addition to the Requisite Lenders.

     Section 2. Amendment to Article XI Miscellaneous. Section 11.2 of Article
XI of the Credit Agreement is hereby amended by adding the phrase "if such
Eligible Assignee is not an existing Lender," immediately after the "(ii)" in
subsection (a).

     Section 3. Conditions of Effectiveness. This First Amendment shall become
effective when, and only when, the Administrative Agent shall have received
copies of this First Amendment duly executed by the Borrower and Lenders
constituting the Requisite Lenders.

     Section 4. Representations and Warranties. The Borrower represents and
warrants to the Administrative Agent and each Lender that this First Amendment
has been duly authorized, executed and delivered by the Borrower and constitutes
a legal, valid and binding obligation of the Borrower, enforceable against the
Borrower in accordance with its terms. After giving effect to this First
Amendment, each of the representations and warranties set forth in Article IV
(Representations and Warranties) of the Credit Agreement is true and correct on
and as of the date hereof, and no Default or Event of Default has occurred and
is continuing.

                                      -3-

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     Section 5. Reference to the Effect on the Loan Documents.

          (a) Upon the effectiveness of this First Amendment, on and after the
date hereof, each reference in the Credit Agreement to "this Agreement,"
"hereunder," "hereof," "herein," or words of like import, and each reference in
the other Loan Documents to the Credit Agreement, shall mean and be a reference
to the Credit Agreement as amended hereby, and this Amendment and the Credit
Agreement shall be read together and construed as a single instrument.

          (b) Except as specifically amended herein, the Credit Agreement and
all other Loan Documents shall remain in full force and effect in accordance
with their respective terms and are hereby ratified and confirmed.

          (c) The Borrower reaffirms its prior grant under the Pledge and
Security Agreement of a valid and continuing security interest in, lien on, and
right of set-off against, all of the Collateral of the Borrower, whether now
owned or existing or hereafter acquired or arising, regardless of where located,
and the priority of the Administrative Agent's Lien as prior to all other Liens
on the Collateral except for Customary Permitted Liens.

          (d) The execution, delivery and effectiveness of this First Amendment
shall not, except as expressly provided herein, operate as a waiver of any
right, power or remedy of the Lenders or the Administrative Agent under any of
the Loan Documents, nor constitute a waiver of any covenant, agreement or
provision of any of the Loan Documents.

     Section 6. Guarantors' Consent. Each Guarantor hereby consents to, and
agrees to be bound by, the terms of the Credit Agreement as amended hereby and
agrees that the terms of this Amendment shall not affect in any way its
obligations and liabilities under the Loan Documents, all of which obligations
and liabilities shall remain in full force and effect and each of which is
hereby reaffirmed.

     Section 7. Execution in Counterparts. This First 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 to
be an original and all of which taken together shall constitute but one and the
same agreement.

     Section 8. Governing Law. This First Amendment shall be governed by and
construed in accordance with the law of the State of New York.

     Section 9. Headings. Section headings in this First Amendment are included
herein for convenience of reference only and shall not constitute a part of this
First Amendment for any other purpose.

                            [Signature Page Follows]

                                      -4-

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          In witness whereof, the parties hereto have caused this First
Amendment to be executed by their respective officers and members thereunto duly
authorized, as of the date first above written.

                                      National steel corporation,
                                         as Borrower

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

                                      Citicorp USA, Inc.,
                                         as Administrative Agent

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

                                      Heller Financial, Inc.
                                         as Syndication Agent

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

                                      GMAC Business Credit, LLC
                                         as Syndication Agent

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

                                      Fleet Capital Corporation
                                         as Documentation Agent

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

                                      The CIT Group/ Business Credit, Inc.
                                         as Documentation Agent

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

                                      The Fuji Bank, Limited
                                         as Co-Arranger

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

          [Signature Page For First Amendment To The Credit Agreement]

<PAGE>

                                      Citibank, N.a.
                                         as Issuer

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

                                      Lenders:

                                      Citicorp Usa, Inc.

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

                                      National City Commercial Finance, Inc.

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

                                      The Fuji Bank, Limited

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

                                      Heller Financial, Inc.

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

                                      Fleet Capital Corporation

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

                                      The CIT Group/business Credit, Inc.

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

                                      GMAC Business Credit, LLC

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

          [Signature Page For First Amendment To The Credit Agreement]

<PAGE>

                                      Arranger:

                                      SALOMON SMITH BARNEY INC.

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

Consented to, Acknowledged and
   Agreed as of December 10, 2001

National Steel Pellet Company,
   as Guarantor

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

NS Holdings Corporation,
   as Guarantor

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

ProCoil Corporation,
   as Guarantor

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

National Steel Funding Corporation,
   as Guarantor

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

          [Signature Page For First Amendment To The Credit Agreement]

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