Document:

<PAGE>

                                                                    Exhibit 10.1

October 16, 2000

Charles Jepson
Vice President, Business Development
eGain Communications Corporation
Sunnyvale, CA 94086

Dear Chuck:

     I am extremely pleased to offer you the position of Senior Vice President
of North American Field Operations with eGain Communications Corporation (the
"Company").  The terms of your employment with the Company are set forth below.

     1.   Position.
          --------
     (a)  You will become the Senior Vice President of North American Field
Operations with the Company, working out of eGain's offices in Sunnyvale,
California. You will report to me. Your start date will be October 23, 2000.

     (b)  You agree to the best of your ability and experience that you will at
all times loyally and conscientiously perform all of the duties and obligations
required of you pursuant to the express and implicit terms hereof, and to the
reasonable satisfaction of the Company. During the term of your employment, you
further agree that you will devote all of your business time and attention to
the business of the Company, unless the Company expressly agrees otherwise. You
are not permitted to engage in any business activity that competes with the
Company's business.

     2.   Compensation.  You will be paid an annual salary of $250,000.00
          ------------
($10,416.67 per month, payable semi-monthly), less regular payroll deductions,
which covers all hours worked. Your salary will be reviewed annually as part of
the Company's normal salary review process. In addition, you will be eligible to
receive an annual bonus of $175,000.00 based upon the achievement of goals and
objectives to be agreed upon by you and the Company, and upon the achievement of
quotas at plan as agreed upon by you and the Company. Determination of the
       --------
extent to which the bonus has been attained will be in the discretion of the
Compensation Committee of the Board of Directors, provided that, for the quarter
ending December 31, 2000, your quarterly bonus shall not be less than $20,000.

     In satisfaction of the commitments set forth in paragraph 2 of the letter
agreement between you and the Company dated March 15, 2000 ("March 15
Agreement") (see copy attached), the Company will also make one time payments to
you of $ 83,333 on November 1, 2000 and December 1, 2000.

     Additionally,  in recognition of the fact that your employment will, from
time to time, require you to be travelling for extended periods, the Company
agrees to reimburse you (upon submission of original receipts) for reasonable
actual personal expenses (spousal travel and pet care) incurred due to work-
related trips lasting 5 days or longer.  Finally, if you are still employed by
the Company in the position set forth above on October 23, 2001, the Company
<PAGE>

agrees to pay off the remaining lease obligations on the 1997 BMW automobile you
are currently using and transfer title and ownership of the automobile to you.

     3.   Stock Options.  Subject to the approval of the Board of Directors of
          -------------
the Company, you will be granted an option to purchase 50,000 shares of Common
Stock at an exercise price equal to the fair market value of the Company's
Common Stock at the date of grant, which shall become vested and exercisable one
year from October 23, 2000. Should the Company terminate your employment for any
reason other than for Cause (as defined on Exhibit A, attached) prior to October
23, 2001, a prorated share of these 50,000 options corresponding to the actual
time you worked as Senior Vice President of North American Field Operations
shall vest upon the date of your termination. Should you leave eGain voluntarily
prior to the first anniversary of your tenure in this position, this option
grant will be forfeited. The specific terms of the option will be set forth in
an option agreement to be issued pursuant to the Company's 1998 Stock Plan,
which agreement will provide that the option must be exercised within 180 days
of the last day of your employment by the Company.

     4.   Benefits. You will be eligible for paid vacation, sick leave and
          --------
holidays according to Company policy. Paid vacation will be governed by the
former Inference plan until December 31, 2000, and thereafter by the new eGain
paid vacation policy to be implemented before that date. The Company will
provide you with standard medical and dental insurance benefits in accordance
with Company policy. These benefits may change from time to time. You will be
covered by workers' compensation insurance and State Disability Insurance, as
required by state law.

     5.   Proprietary Information Agreement. You will be required to sign and
          ---------------------------------
abide by the terms of the Company's standard proprietary information agreement,
which is incorporated into this agreement by reference. You will also represent
and warrant to the Company that the performance of your duties will not violate
any agreements with or trade secrets of any other person or entity.

     6.   Term of Employment. You agree that your employment with the Company is
          ------------------
"at-will." In other words, either you or the Company can terminate your
employment at any time for any reason, with or without Cause and with or without
notice (subject to the provisions above concerning payment of severance
benefits).

     7.   Dispute Resolution Procedure. You and the Company (the "parties")
          ----------------------------
agree that any dispute arising out of or related to your employment shall be
resolved by binding arbitration, except where the law specifically forbids the
use of arbitration as a final and binding remedy, or where section (g) below
specifically allows a different remedy.

     (a)  The complainant shall provide the other party with a written statement
of the claim identifying any supporting witnesses or documents and the requested
relief.

     (b)  The respondent shall furnish a statement of the relief, if any, that
it is willing to provide, and identify supporting witnesses or documents. If the
matter is not resolved, the parties shall submit the dispute to nonbinding
mediation, paid for by the Company, before a mediator to be selected by the
parties.

     (c)  If the matter is not resolved through mediation, the parties agree
that the dispute shall be resolved by binding arbitration. If the parties are
unable to jointly select an arbitrator, they
<PAGE>

will obtain a list of arbitrators from the Federal Mediation and Conciliation
Service and select an arbitrator by striking names from that list.

     (d)  The arbitrator shall have the authority to determine whether the
conduct complained of in section (a) of this section violates the complainant's
rights and, if so, to grant any relief authorized by law; subject to the
exclusions of section (g) below. The arbitrator shall not have the authority to
modify, change or refuse to enforce the terms of any employment agreement
between the parties, or change any lawful policy or benefit plan.

     (e)  eGain shall bear the costs of the arbitration if you prevail. If eGain
prevails, you will pay half the cost of the arbitration or $500, whichever is
less. Each party shall pay its own attorneys fees, unless the arbitrator orders
otherwise pursuant to applicable law.

     (f)  Arbitration shall be the exclusive final remedy for any dispute
between the parties, such as disputes involving claims for discrimination or
harassment (such as claims under the Fair Employment and Housing Act, Title VII
of the Civil Rights Act of 1964, the Americans with Disabilities Act, or the Age
Discrimination in Employment Act), wrongful termination, breach of contract,
breach of public policy, physical or mental harm or distress or any other
disputes, and the parties agree that no dispute shall be submitted to
arbitration where the complainant has not complied with the preliminary steps
provided for in sections (a) and (b) above.

     (g)  The parties agree that the arbitration award shall be enforceable in
any court having jurisdiction to enforce this Agreement, so long as the
arbitrator's findings of fact are supported by substantial evidence on the whole
and the arbitrator has not made errors of law; however, either party may bring
an action in a court of competent jurisdiction related to matters involving the
Company's confidential, proprietary or trade secret information, or related to
inventions that you may claim to have developed prior to joining eGain or after
joining eGain, pursuant to California Labor Code Section 2870 ("Invention
Disputes"). The parties further agree that for Invention Disputes that the
parties have elected to submit to arbitration, each party retains the right to
seek preliminary injunctive relief in court in order to preserve the status quo
or prevent irreparable injury before the matter can be heard in arbitration.

     8.   Integrated Agreement. With the exception of the commitments set forth
          --------------------
in Paragraph 3 and the first sentence of Paragraph 6 of the March 15 Agreement,
which shall remain binding and in effect notwithstanding this Agreement, this
Agreement supersedes any prior agreements (including the March 15 Agreement),
representations or promises of any kind, whether written, oral, express or
implied between the parties hereto with respect to the subject matters herein.
This Agreement constitutes the full, complete and exclusive agreement between
you and the Company with respect to the subject matters herein. This agreement
cannot be changed unless in writing, signed by you and another officer of the
Company.

     9.   Severability. If any term of this Agreement is held to be invalid,
          ------------
void or unenforceable, the remainder of this Agreement shall remain in full
force and effect and shall in no way be affected; and, the parties shall use
their best efforts to find an alternative way to achieve the same result.

     Chuck, as you know, we are very excited about the ongoing contribution you
can make to the future success of eGain, and we look forward to working with you
in this new capacity.  In order to confirm your agreement with and acceptance of
these terms, please sign a copy of this
<PAGE>

letter and return it to me. If there is any matter in this letter that you wish
to discuss further, please do not hesitate to call me.

Sincerely,

/s/ Gunjan Sinha                               10/16/00
---------------------------------            ------------------------
Gunjan Sinha                                 Date
President

 ................................................................................
I accept eGain's offer under the terms expressed in this letter.  I understand
that this is not an employment contract for any fixed period, and that, subject
to the provisions of this letter agreement, either party may end the employment
relationship at any time for any reason.

/s/ Charles Jepson                             10/16/00
---------------------------------            ------------------------
Charles Jepson                               Date
<PAGE>

                                  APPENDIX A

                                  DEFINITIONS

     "Cause" for termination will exist at any time after the happening of one
      -----
     or more of the following events: (i) employee's willful misconduct or gross
     negligence in performance of employee's duties hereunder, including
     employee's refusal to comply in any material respect with the legal
     directives of the Company's Board of Directors, President or Chief
     Executive Officer, so long as such directives are not inconsistent with
     employee's position and duties, and such refusal to comply is not remedied
     within ten (10) working days after the written notice from the Company,
     which written notice shall state that failure to remedy such conduct may
     result in termination for Cause; (ii) dishonest or fraudulent conduct, a
     deliberate attempt to do an injury to the Company, or conduct that
     materially discredits the Company or is materially detrimental to the
     reputation of the Company, including conviction of a felony; or (iii)
     employee's material breach of any element of the Company's Proprietary
     Information and Intellectual Property Agreement, including without
     limitation, employee's misappropriation of the Company's proprietary
     information.<PAGE>

                                                                   Exhibit 10.26

                              FOURTH AMENDMENT TO

                        MULTICURRENCY CREDIT AGREEMENT

                                  AND WAIVER

     THIS FOURTH AMENDMENT TO MULTICURRENCY CREDIT AGREEMENT AND WAIVER (this
"Amendment") is entered into as of October 31, 2000 among SOLA INTERNATIONAL,
INC., a Delaware corporation (the "Company"), those certain Subsidiaries of the
Company identified on the signature pages hereto, the Banks party hereto and
BANK OF AMERICA, N.A. (formerly Bank of America National Trust and Savings
Association), as Agent for the Banks (the "Agent"). Capitalized terms used
herein and not otherwise defined shall have the meanings ascribed thereto in the
Credit Agreement (as defined below).

                                   RECITALS
                                   --------

     WHEREAS, the Company and certain Subsidiaries of the Company, as Borrowers
(the "Borrowers"), certain other Subsidiaries of the Company as Subsidiary
Guarantors, the Banks and the Agent entered into that certain Multicurrency
Credit Agreement, dated as of June 14, 1996 (as amended by that certain Consent
and Amendment No. 1 to Multicurrency Credit Agreement, dated as of March 31,
1997, that certain Amendment No. 2 to Multicurrency Credit Agreement, dated as
of November 5, 1997 (the "Second Amendment"), that certain Amendment No. 3 to
Multicurrency Credit Agreement, dated as of March 4, 1998 (the "Third
Amendment"), and as otherwise amended or modified from time to time, the "Credit
Agreement";

     WHEREAS the Subsidiary Guarantors were released pursuant to the Second
Amendment and Third Amendment, and certain additional Borrowers were added
pursuant to the terms thereof;

     WHEREAS, an Event of Default exists under the Credit Agreement as a result
of the failure of the Company and its Subsidiaries to be able to comply with the
terms of Section 8.12(a) of the Credit Agreement for the fiscal quarter ended
September 30, 2000 (the "Financial Covenant Default");
<PAGE>

     WHEREAS, the Borrowers have requested that the Majority Banks provide a
waiver of the Financial Covenant Default and continue to make available to the
Borrowers the Credit Extensions provided under the Credit Agreement; and

     WHEREAS, the Majority Banks are willing to provide a waiver of the
Financial Covenant Default and to continue to make available to the Borrowers
the Credit Extensions under the Credit Agreement, based upon and subject to the
terms and conditions specified in this Amendment.

     NOW, THEREFORE, in consideration of the premises and the mutual covenants
contained herein, and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto agree as
follows:

                                   AGREEMENT
                                   ---------

                                   SECTION 1
                             REAFFIRMATION/WAIVER
                             --------------------

     1.1  Reaffirmation of Existing Debt. The Borrowers acknowledge and confirm
          ------------------------------
that (a) the Borrowers' obligation to repay the outstanding principal amount of
the Loans and reimburse the Issuing Bank for any drawing on a Letter of Credit
is unconditional and, as of the date hereof, not subject to any offsets,
defenses or counterclaims, (b) the Agent and the Banks have performed fully all
of their respective obligations under the Credit Agreement and the other Loan
Documents, and (c) by entering into this Amendment, the Banks party hereto do
not waive (except for the waiver of the Financial Covenant Default specified
below) or release any term or condition of the Credit Agreement or any of the
other Loan Documents or any of their rights or remedies under such Loan
Documents or applicable law or any of the obligations of any Borrowers
thereunder.

     1.2  Waiver.
          ------

     The Borrowers acknowledge the Financial Covenant Default that exists due to
the failure of the Company and its Subsidiaries to be able to comply with the
financial covenant contained in Section 8.12(a) of the Credit Agreement for the
fiscal quarter ended September 30, 2000. The Majority Banks hereby waive the
Financial Covenant Default, subject to the terms and conditions set forth
herein. This waiver shall not modify or affect (a) the Company's and its
Subsidiaries' obligation to comply with the terms of Section 8.12(a) of the
Credit Agreement on and at all times after September 30, 2000, including without
limitation the application of the financial covenant in Section 8.12(a) as
measured as of December 31, 2000 and thereafter and
<PAGE>

(b) the Company's and the other Borrowers' obligation to comply fully with any
other duty, term, condition, obligation or covenant contained in the Credit
Agreement and the other Loan Documents.

     Except for the specific waiver set forth above, nothing contained herein
shall be deemed to constitute a waiver of any rights or remedies the Agent or
any Bank may have under the Credit Agreement or any other Loan Document or under
applicable law. The specific waiver set forth herein is a one-time waiver and
shall be effective only in this specific instance, and shall not obligate the
Banks to waive any other Default or Event of Default, now existing or hereafter
arising.

                                   SECTION 2
                        AMENDMENTS TO CREDIT AGREEMENT
                        ------------------------------

     2.1  Conditions to All Extensions of Credit. Section 5.02 is amended to
          --------------------------------------
add the following new paragraph at the end thereof:

          Notwithstanding any other provision of this Agreement to the contrary,
     the Company shall not be deemed to have represented or warranted in any
     manner as to its compliance or non-compliance with the financial covenant
     set forth in Section 8.12(a), during the period from December 31, 2000
     through January 31, 2001, unless the Company has (i) submitted financial
     statements for its fiscal quarter ending December 31, 2000 to the SEC, the
     Agent or any Bank or has otherwise made public such financial statements or
     (ii) confirmed to the Agent or any Bank or has otherwise made a public
     statement as to its compliance or non-compliance with such financial
     covenant.

     2.2  Financial Statements. Section 7.01(b) of the Credit Agreement is
          --------------------
amended to delete the first 25 words therein and to insert in substitution the
following:

          (a)  as soon as available, but not later than (i) 60 days after the
     end of the first three fiscal quarters of each fiscal year, through the
     fiscal quarter ended September 30, 2000 and (ii) beginning with the fiscal
     quarter ending December 31, 2000, 31 days after the end of the first three
     fiscal quarters of each fiscal year,

     2.3  Certificates; Other Information. Section 7.02 of the Credit Agreement
          -------------------------------
is amended to delete the word "and" at the end of subsection (e) thereof, to
delete the period and to insert a semicolon and the word "and" in substitution
therefor at the end of subsection (f) thereof, and to add a new subsection (g)
thereto to read as follows:
<PAGE>

          (g)  on or before January 15, 2001, a certificate from a Responsible
     Officer as to whether, to the best knowledge of the Company, the Company
     and its Subsidiaries are in compliance with the financial covenant set
     forth in Section 8.12(d).

     2.4  Financial Condition. Section 8.12 of the Credit Agreement is amended
          -------------------
to add a new subsection (d) thereto to read as follows:

          (d)  Minimum EBITDA. EBITDA for the Company and its Subsidiaries, for
               --------------
     the twelve month period ending December 31, 2000, shall not be less than $
     62,000,000.

     2.5  Compliance Certificate. Paragraph 1. (Leverage Ratio) of Exhibit C to
          ----------------------                --------------
the Credit Agreement (Compliance Certificate) is amended and restated in its
entirety to read as follows:

          1.   EBITDA/Leverage Ratio. EBITDA was $_____________ and the Leverage
               ---------------------
     Ratio was _____ to 1.00, as computed on Attachment 1 hereto. The minimum
                                             ------------
     EBITDA permitted pursuant to Section 8.12(d) of the Credit Agreement on the
     Computation Date is $62,000,000 and, accordingly, the aforementioned
     requirement of such subsection (d) has [not] been satisfied. The maximum
     Leverage Ratio permitted pursuant to Section 8.12(a) of the Credit
     Agreement on the Computation Date is 3.20 to 1.00 and, accordingly, the
     aforementioned requirement of such subsection (a) has [not] been satisfied.

     provided that the Company shall only be required to deliver a Compliance
Certificate so amended for the fiscal quarter ending December 31, 2000 and
thereafter.

                                   SECTION 3
                       PARTIAL SUSPENSION OF COMMITMENTS
                       ---------------------------------

     Notwithstanding anything in the Credit Agreement to the contrary,
including, without limitation, the definitions of Tranche A Revolving Commitment
Amount and Tranche B Revolving Commitment Amount set forth in Section 1.01 of
the Credit Agreement:

          (a)  the aggregate principal amount of Tranche A Revolving Loans
     outstanding shall not exceed the Dollar Equivalent of $20,000,000; provided
     that on and after February 1, 2001, with the written consent of the
     Majority Banks, the aggregate
<PAGE>

     principal amount of Tranche A Revolving Loans outstanding may be increased
     up to the Tranche A Revolving Commitment Amount of $30,000,000.

          (b)  the aggregate principal amount of Tranche B Revolving Loans plus
     the aggregate Dollar Equivalent of all L/C Obligations outstanding shall
     not exceed $180,000,000; provided that on and after February 1, 2001, with
     the written consent of the Majority Banks, the aggregate principal amount
     of Tranche B Revolving Loans plus the aggregate Dollar Equivalent on all
     L/C Obligations outstanding may be increased up to the Tranche B Revolving
     Commitment Amount of $270,000,000.

                                   SECTION 4
                             CONDITIONS PRECEDENT
                             --------------------

     4.1  Conditions Precedent. This Amendment shall not be effective until the
          --------------------
following conditions have been satisfied or waived by the Majority Banks:

          (a)  Receipt by the Agent of copies of this Amendment duly executed by
     the Borrowers and the Majority Banks.

          (b)  Receipt by the Agent of a certificate of the corporate secretary
     of each of the Borrowers certifying as to resolutions or authorization of
     the Board of Directors of each Borrower approving and adopting this
     Amendment and the transactions contemplated herein and authorizing the
     execution, delivery and performance hereof.

          (c)  Receipt by the Agent of an opinion or opinions from counsel to
     the Company relating to this Amendment and the transactions contemplated
     herein, in form and substance satisfactory to the Agent, addressed to the
     Agent on behalf of the Banks and dated as of the date hereof.

          (d)  The payment by the Borrowers of (i) an amendment fee of 7.5 basis
     points (.075% ) on the current aggregate Commitments of each Bank who duly
     executes and delivers this Amendment no later than 5:00 p.m. Eastern
     Standard Time on Tuesday, October 31, 2000, and (ii) the reasonable
     documented out-of-pocket expenses of the Agent in connection with the
     negotiation, preparation, execution and delivery of this Amendment and the
     other transactions contemplated herein, including, without limitation,
     reasonable documented legal fees and expenses.
<PAGE>

                                   SECTION 5
                                 MISCELLANEOUS
                                 -------------

     5.1  Ratification of Credit Agreement. The term "Credit Agreement" and
          --------------------------------
"Agreement" as used in each of the Loan Documents shall hereafter mean the
Credit Agreement as amended by this Amendment. Except as herein specifically
agreed, the Credit Agreement is hereby ratified and confirmed and shall remain
in full force and effect according to its terms.

     5.2  Authority/Enforceability. Each of the Borrowers, the Agent and the
          ------------------------
Banks party hereto represents and warrants as follows:

          (a)  It has taken all necessary action to authorize the execution,
     delivery and performance of this Amendment.

          (b)  This Amendment has been duly executed and delivered by such
     Person and constitutes such Person's legal, valid and binding obligations,
     enforceable in accordance with its terms, except as such enforceability may
     be subject to (i) bankruptcy, insolvency, reorganization, fraudulent
     conveyance or transfer, moratorium or similar laws affecting creditors'
     rights generally and (ii) general principles of equity (regardless of
     whether such enforceability is considered in a proceeding at law or in
     equity).

          (c)  No consent, approval, authorization or order of, or filing,
     registration or qualification with, any court or Governmental Authority or
     third party is required in connection with the execution, delivery or
     performance by such Person of this Amendment.

     5.3  No Conflicts. Neither the execution and delivery of this Amendment,
          ------------
nor the consummation of the transactions contemplated herein, nor performance of
and compliance with the terms and provisions hereof by any Borrower will (a)
violate, contravene or conflict with any provision of its articles or
certificate of incorporation, bylaws or other organizational or governing
document, (b) violate, contravene or conflict with any law, rule, regulation,
order, writ, judgment, injunction, decree or permit applicable to it, (c)
violate, contravene or conflict with contractual provisions of, or cause an
event of default under, any material indenture, loan agreement, mortgage, deed
of trust, contract or other agreement or instrument to which it is a party or by
which it may be bound or (d) result in or require the creation of any Lien upon
or with respect to its properties.
<PAGE>

     5.4  No Default. The Borrowers represent and warrant to the Banks that (a)
          ----------
the representations and warranties of the Borrowers set forth in Article VI of
the Credit Agreement are true and correct as of the date hereof and (b) no event
has occurred and is continuing which constitutes a Default or an Event of
Default (other than as specifically waived hereby).

     5.5  General Release. In consideration of the Majority Banks entering into
          ---------------
this Amendment, the Borrowers hereby release the Agent, the Banks, and the
Agent's and the Banks' respective officers, employees, representatives, agents,
counsel and directors from any and all actions, causes of action, claims,
demands, damages and liabilities of whatever kind or nature, in law or in
equity, now known or unknown, suspected or unsuspected to the extent that any of
the foregoing arises from any action or failure to act under the Credit
Agreement on or prior to the date hereof.

     5.6  Counterparts/Telecopy. This Amendment may be executed in any number of
          ---------------------
counterparts, each of which when so executed and delivered shall be an original,
but all of which shall constitute one and the same instrument. Delivery of
executed counterparts by telecopy shall be effective as an original and shall
constitute a representation that an original will be delivered.

     5.7  GOVERNING LAW. THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE
          -------------
PARTIES HEREUNDER SHALL BE GOVERNED BY AND CONSTRUED AND INTERPRETED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

                 [remainder of page intentionally left blank]
<PAGE>

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

BORROWERS:                    SOLA INTERNATIONAL, INC.,
---------
                              a Delaware corporation

                              By: /s/ Steven M. Neil
                                  ----------------------------
                              Title: Executive Vice President, Chief Financial
                                     Officer

                              (ACN007719708), a South Australian corporation

                              SOLA OPTICAL HOLDINGS (U.K.) LIMITED,
                              an English corporation

                              SOLA OPTICAL S.A., a French corporation

                              SOLA OPTICAL GMBH, a German corporation

                              SOLA HONG KONG LTD.,
                              a Hong Kong corporation

                              SOLA ADC LENSES LIMITED,
                              an Irish corporation
<PAGE>

                             SOLA OPTICAL ITALIA S.P.A.,
                             an Italian corporation

                             SOLA OPTICAL JAPAN LIMITED,

                             a Japanese corporation

                             SOLA OPTICAL SINGAPORE PTE. LTD.,

                             a Singapore corporation

                             SOLA IFSC, an Irish unlimited liability company

                             AMERICAN OPTICAL COMPANY

                             INTERNATIONAL A.G.,

                             a Switzerland corporation

                             By:  /s/ Steven M. Neil

                             Title:   Attorney in fact of each of the foregoing
                                      entities
<PAGE>

LENDERS:
-------
                             BANK OF AMERICA, N.A.

                             (formerly Bank of America National Trust

                             and Savings Association)

                             individually in its capacity as a Bank

                             and in its capacity as Agent

                             By: /s/ Paula Z. Kramp

                             Title:  Principal
<PAGE>

                             THE BANK OF NOVA SCOTIA

                             By: /s/
                                 ------------------------------------------

                             Name:
                                  -----------------------------------------

                             Title:
                                   ----------------------------------------
<PAGE>

                             FLEET NATIONAL BANK

                             By:
                                -----------------------------------------

                             Name:
                                  ---------------------------------------

                             Title:
                                   --------------------------------------
<PAGE>

                              ABN AMRO BANK N.V.

                             By: /s/ Gina M Brusatori

                             Title: Senior Vice President

                             By: /s/ Dianne D. Barkley
                             Title: Senior Vice President
<PAGE>

                                   COMMERZBANK AKTIENGESELLSCHAFT,

                                   Los Angeles Branch

By: /s/ Christian Jagenberg

                                   Title: Senior Vice President

                                   By: /s/ Steven F. Larsen

                                   Title: Vice President
<PAGE>

                    WELLS FARGO BANK, NATIONAL ASSOCIATION

                    By:
                       -------------------------------

                    Name:
                         -----------------------------

                    Title:
                          ----------------------------
<PAGE>

                                  BNP PARIBAS

                                  By: /s/ Katherine Wolfe

                                  Title: Director

                                  By: /s/ Debra Wright

                                  Title: Vice President
<PAGE>

                      THE DAI-ICHI KANGYO BANK, LIMITED,

                      SAN FRANCISCO AGENCY

                      By: /s/ Nicholas A. Fiore

                      Title: Vice President

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