Document:

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                                                                   EXHIBIT 10.50

(MULTICURRENCY -- CROSS BORDER)

                                     ISDA(R)

                  International Swap Dealers Association, Inc.

                                MASTER AGREEMENT

                           dated as of August 14, 2002

                      Citibank, N.A. and GBC Florida, Inc.

have entered and/or anticipate entering into one or more transactions (each a
"Transaction") that are or will be governed by this Master Agreement, which
includes the schedule (the "Schedule"), and the documents and other confirming
evidence (each a "Confirmation") exchanged between the parties confirming those
Transactions.

Accordingly, the parties agree as follows: --

1.     INTERPRETATION

(a)    DEFINITIONS. The terms defined in Section 14 and in the Schedule will
have the meanings therein specified for the purpose of this Master Agreement.

(b)    INCONSISTENCY. In the event of any inconsistency between the provisions
of the Schedule and the other provisions of this Master Agreement, the Schedule
will prevail. In the event of any inconsistency between the provisions of any
Confirmation and this Master Agreement (including the Schedule), such
Confirmation will prevail for the purpose of the relevant Transaction.

(c)    SINGLE AGREEMENT. All Transactions are entered into in reliance on the
fact that this Master Agreement and all Confirmations form a single agreement
between the parties (collectively referred to as this "Agreement"), and the
parties would not otherwise enter into any Transactions.

2.     OBLIGATIONS

(a)    GENERAL CONDITIONS.

       (i)    Each party will make each payment or delivery specified in each
       Confirmation to be made by it, subject to the other provisions of this
       Agreement.

       (ii)   Payments under this Agreement will be made on the due date for
       value on that date in the place of the account specified in the relevant
       Confirmation or otherwise pursuant to this Agreement, in freely
       transferable funds and in the manner customary for

        Copyright(C) 1992 by International Swap Dealers Association, Inc.

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       payments in the required currency. Where settlement is by delivery (that
       is, other than by payment), such delivery will be made for receipt on the
       due date in the manner customary for the relevant obligation unless
       otherwise specified in the relevant Confirmation or elsewhere in this
       Agreement.

       (iii)  Each obligation of each party under Section 2(a)(i) is subject to
       (1) the condition precedent that no Event of Default or Potential Event
       of Default with respect to the other party has occurred and is
       continuing, (2) the condition precedent that no Early Termination Date in
       respect of the relevant Transaction has occurred or been effectively
       designated and (3) each other applicable condition precedent specified in
       this Agreement.

(b)    CHANGE OF ACCOUNT. Either party may change its account for receiving a
payment or delivery by giving notice to the other party at least five Local
Business Days prior to the scheduled date for the payment or delivery to which
such change applies unless such other party gives timely notice of a reasonable
objection to such change.

(c)    NETTING. If on any date amounts would otherwise be payable:--

       (i)    in the same currency; and

       (ii)   in respect of the same Transaction,

by each party to the other, then, on such date, each party's obligation to make
payment of any such amount will be automatically satisfied and discharged and,
if the aggregate amount that would otherwise have been payable by one party
exceeds the aggregate amount that would otherwise have been payable by the other
party, replaced by an obligation upon the party by whom the larger aggregate
amount would have been payable to pay to the other party the excess of the
larger aggregate amount over the smaller aggregate amount.

The parties may elect in respect of two or more Transactions that a net amount
will be determined in respect of all amounts payable on the same date in the
same currency in respect of such Transactions, regardless of whether such
amounts are payable in respect of the same Transaction. The election may be made
in the Schedule or a Confirmation by specifying that subparagraph (ii) above
will not apply to the Transactions identified as being subject to the election,
together with the starting date (in which case subparagraph (ii) above will not,
or will cease to, apply to such Transactions from such date). This election may
be made separately for different groups of Transactions and will apply
separately to each pairing of Offices through which the parties make and receive
payments or deliveries.

(d)    DEDUCTION OR WITHHOLDING FOR TAX.

       (i)    GROSS-UP. All payments under this Agreement will be made without
       any deduction or withholding for or on account of any Tax unless such
       deduction or withholding is required by any applicable law, as modified
       by the practice of any relevant governmental revenue authority, then in
       effect. If a party is so required to deduct or withhold, then that party
       ("X") will:--

              (1)    promptly notify the other party ("Y") of such requirement;

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              (2)    pay to the relevant authorities the full amount required to
              be deducted or withheld (including the full amount required to be
              deducted or withheld from any additional amount paid by X to Y
              under this Section 2(d)) promptly upon the earlier of determining
              that such deduction or withholding is required or receiving notice
              that such amount has been assessed against Y;

              (3)    promptly forward to Y an official receipt (or a certified
              copy), or other documentation reasonably acceptable to Y,
              evidencing such payment to such authorities; and

              (4)    if such Tax is an Indemnifiable Tax, pay to Y, in addition
              to the payment to which Y is otherwise entitled under this
              Agreement, such additional amount as is necessary to ensure that
              the net amount actually received by Y (free and clear of
              Indemnifiable Taxes, whether assessed against X or Y) will equal
              the full amount Y would have received had no such deduction or
              withholding been required. However, X will not be required to pay
              any additional amount to Y to the extent that it would not be
              required to be paid but for:--

                     (A)    the failure by Y to comply with or perform any
                     agreement contained in Section 4(a)(i), 4(a)(iii) or 4(d);
                     or

                     (B)    the failure of a representation made by Y pursuant
                     to Section 3(f) to be accurate and true unless such failure
                     would not have occurred but for (I) any action taken by a
                     taxing authority, or brought in a court of competent
                     jurisdiction, on or after the date on which a Transaction
                     is entered into (regardless of whether such action is taken
                     or brought with respect to a party to this Agreement) or
                     (II) a Change in Tax Law.

       (ii)   LIABILITY. IF:--

              (1)    X is required by any applicable law, as modified by the
              practice of any relevant governmental revenue authority, to make
              any deduction or withholding in respect of which X would not be
              required to pay an additional amount to Y under Section
              2(d)(i)(4);

              (2)    X does not so deduct or withhold; and

              (3)    a liability resulting from such Tax is assessed directly
              against X,

       then, except to the extent Y has satisfied or then satisfies the
       liability resulting from such Tax, Y will promptly pay to X the amount of
       such liability (including any related liability for interest, but
       including any related liability for penalties only if Y has failed to
       comply with or perform any agreement contained in Section 4(a)(i),
       4(a)(iii) or 4(d)).

(e)    DEFAULT INTEREST; OTHER AMOUNTS. Prior to the occurrence or effective
designation of an Early Termination Date in respect of the relevant Transaction,
a party that defaults in the performance of any payment obligation will, to the
extent permitted by law and subject to Section 6(c), be required to pay interest
(before as well as after judgment) on the overdue amount

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to the other party on demand in the same currency as such overdue amount, for
the period from (and including) the original due date for payment to (but
excluding) the date of actual payment, at the Default Rate. Such interest will
be calculated on the basis of daily compounding and the actual number of days
elapsed. If, prior to the occurrence or effective designation of an Early
Termination Date in respect of the relevant Transaction, a party defaults in the
performance of any obligation required to be settled by delivery, it will
compensate the other party on demand if and to the extent provided for in the
relevant Confirmation or elsewhere in this Agreement.

3.     REPRESENTATIONS

Each party represents to the other party (which representations will be deemed
to be repeated by each party on each date on which a Transaction is entered into
and, in the case of the representations in Section 3(f), at all times until the
termination of this Agreement) that:--

(a)    BASIC REPRESENTATIONS.

       (i)    STATUS. It is duly organised and validly existing under the laws
       of the jurisdiction of its organisation or incorporation and, if relevant
       under such laws, in good standing;

       (ii)   POWERS. It has the power to execute this Agreement and any other
       documentation relating to this Agreement to which it is a party, to
       deliver this Agreement and any other documentation relating to this
       Agreement that it is required by this Agreement to deliver and to perform
       its obligations under this Agreement and any obligations it has under any
       Credit Support Document to which it is a party and has taken all
       necessary action to authorise such execution, delivery and performance;

       (iii)  NO VIOLATION OR CONFLICT. Such execution, delivery and performance
       do not violate or conflict with any law applicable to it, any provision
       of its constitutional documents, any order or judgment of any court or
       other agency of government applicable to it or any of its assets or any
       contractual restriction binding on or affecting it or any of its assets;

       (iv)   CONSENTS. All governmental and other consents that are required to
       have been obtained by it with respect to this Agreement or any Credit
       Support Document to which it is a party have been obtained and are in
       full force and effect and all conditions of any such consents have been
       complied with; and

       (v)    OBLIGATIONS BINDING. Its obligations under this Agreement and any
       Credit Support Document to which it is a party constitute its legal,
       valid and binding obligations, enforceable in accordance with their
       respective terms (subject to applicable bankruptcy, reorganisation,
       insolvency, moratorium or similar laws affecting creditors' rights
       generally and subject, as to enforceability, to equitable principles of
       general application (regardless of whether enforcement is sought in a
       proceeding in equity or at law)).

(b)    ABSENCE OF CERTAIN EVENTS. No Event of Default or Potential Event of
Default or, to its knowledge, Termination Event with respect to it has occurred
and is continuing and no such event or circumstance would occur as a result of
its entering into or performing its obligations under this Agreement or any
Credit Support Document to which it is a party.

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(c)    ABSENCE OF LITIGATION. There is not pending or, to its knowledge,
threatened against it or any of its Affiliates any action, suit or proceeding at
law or in equity or before any court, tribunal, governmental body, agency or
official or any arbitrator that is likely to affect the legality, validity or
enforceability against it of this Agreement or any Credit Support Document to
which it is a party or its ability to perform its obligations under this
Agreement or such Credit Support Document.

(d)    ACCURACY OF SPECIFIED INFORMATION. All applicable information that is
furnished in writing by or on behalf of it to the other party and is identified
for the purpose of this Section 3(d) in the Schedule is, as of the date of the
information, true, accurate and complete in every material respect.

(e)    PAYER TAX REPRESENTATION. Each representation specified in the Schedule
as being made by it for the purpose of this Section 3(e) is accurate and true.

(f)    PAYEE TAX REPRESENTATIONS. Each representation specified in the Schedule
as being made by it for the purpose of this Section 3(f) is accurate and true.

4.     AGREEMENTS

Each party agrees with the other that, so long as either party has or may have
any obligation under this Agreement or under any Credit Support Document to
which it is a party:--

(a)    FURNISH SPECIFIED INFORMATION. It will deliver to the other party or, in
certain cases under subparagraph (iii) below, to such government or taxing
authority as the other party reasonably directs:--

       (i)    any forms, documents or certificates relating to taxation
       specified in the Schedule or any Confirmation;

       (ii)   any other documents specified in the Schedule or any Confirmation;
       and

       (iii)  upon reasonable demand by such other party, any form or document
       that may be required or reasonably requested in writing in order to allow
       such other party or its Credit Support Provider to make a payment under
       this Agreement or any applicable Credit Support Document without any
       deduction or withholding for or on account of any Tax or with such
       deduction or withholding at a reduced rate (so long as the completion,
       execution or submission of such form or document would not materially
       prejudice the legal or commercial position of the party in receipt of
       such demand), with any such form or document to be accurate and completed
       in a manner reasonably satisfactory to such other party and to be
       executed and to be delivered with any reasonably required certification,

in each case by the date specified in the Schedule or such Confirmation or, if
none is specified, as soon as reasonably practicable.

(b)    MAINTAIN AUTHORISATIONS. It will use all reasonable efforts to maintain
in full force and effect all consents of any governmental or other authority
that are required to be obtained by it

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with respect to this Agreement or any Credit Support Document to which it is a
party and will use all reasonable efforts to obtain any that may become
necessary in the future.

(c)    COMPLY WITH LAWS. It will comply in all material respects with all
applicable laws and orders to which it may be subject if failure so to comply
would materially impair its ability to perform its obligations under this
Agreement or any Credit Support Document to which it is a party.

(d)    TAX AGREEMENT. It will give notice of any failure of a representation
made by it under Section 3(f) to be accurate and true promptly upon learning of
such failure.

(e)    PAYMENT OF STAMP TAX. Subject to Section 11, it will pay any Stamp Tax
levied or imposed upon it or in respect of its execution or performance of this
Agreement by a jurisdiction in which it is incorporated, organised, managed and
controlled, or considered to have its seat, or in which a branch or office
through which it is acting for the purpose of this Agreement is located ("Stamp
Tax Jurisdiction") and will indemnify the other party against any Stamp Tax
levied or imposed upon the other party or in respect of the other party's
execution or performance of this Agreement by any such Stamp Tax Jurisdiction
which is not also a Stamp Tax Jurisdiction with respect to the other party.

5.     EVENTS OF DEFAULT AND TERMINATION EVENTS

(a)    EVENTS OF DEFAULT. The occurrence at any time with respect to a party or,
if applicable, any Credit Support Provider of such party or any Specified Entity
of such party of any of the following events constitutes an event of default (an
"Event of Default") with respect to such party:--

       (i)    FAILURE TO PAY OR DELIVER. Failure by the party to make, when due,
       any payment under this Agreement or delivery under Section 2(a)(i) or
       2(e) required to be made by it if such failure is not remedied on or
       before the third Local Business Day after notice of such failure is given
       to the party;

       (ii)   BREACH OF AGREEMENT. Failure by the party to comply with or
       perform any agreement or obligation (other than an obligation to make any
       payment under this Agreement or delivery under Section 2(a)(i) or 2(e) or
       to give notice of a Termination Event or any agreement or obligation
       under Section 4(a)(i), 4(a)(iii) or 4(d)) to be complied with or
       performed by the party in accordance with this Agreement if such failure
       is not remedied on or before the thirtieth day after notice of such
       failure is given to the party;

       (iii)  CREDIT SUPPORT DEFAULT.

              (1)    Failure by the party or any Credit Support Provider of such
              party to comply with or perform any agreement or obligation to be
              complied with or performed by it in accordance with any Credit
              Support Document if such failure is continuing after any
              applicable grace period has elapsed;

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              (2)    the expiration or termination of such Credit Support
              Document or the failing or ceasing of such Credit Support Document
              to be in full force and effect for the purpose of this Agreement
              (in either case other than in accordance with its terms) prior to
              the satisfaction of all obligations of such party under each
              Transaction to which such Credit Support Document relates without
              the written consent of the other party; or

              (3)    the party or such Credit Support Provider disaffirms,
              disclaims, repudiates or rejects, in whole or in part, or
              challenges the validity of, such Credit Support Document;

       (iv)   MISREPRESENTATION. A representation (other than a representation
       under Section 3(e) or (f)) made or repeated or deemed to have been made
       or repeated by the party or any Credit Support Provider of such party in
       this Agreement or any Credit Support Document proves to have been
       incorrect or misleading in any material respect when made or repeated or
       deemed to have been made or repeated;

       (v)    DEFAULT UNDER SPECIFIED TRANSACTION. The party, any Credit Support
       Provider of such party or any applicable Specified Entity of such party
       (1) defaults under a Specified Transaction and, after giving effect to
       any applicable notice requirement or grace period, there occurs a
       liquidation of, an acceleration of obligations under, or an early
       termination of, that Specified Transaction, (2) defaults, after giving
       effect to any applicable notice requirement or grace period, in making
       any payment or delivery due on the last payment, delivery or exchange
       date of, or any payment on early termination of, a Specified Transaction
       (or such default continues for at least three Local Business Days if
       there is no applicable notice requirement or grace period) or (3)
       disaffirms, disclaims, repudiates or rejects, in whole or in part, a
       Specified Transaction (or such action is taken by any person or entity
       appointed or empowered to operate it or act on its behalf);

       (vi)   CROSS DEFAULT. If "Cross Default" is specified in the Schedule as
       applying to the party, the occurrence or existence of (1) a default,
       event of default or other similar condition or event (however described)
       in respect of such party, any Credit Support Provider of such party or
       any applicable Specified Entity of such party under one or more
       agreements or instruments relating to Specified Indebtedness of any of
       them (individually or collectively) in an aggregate amount of not less
       than the applicable Threshold Amount (as specified in the Schedule) which
       has resulted in such Specified Indebtedness becoming, or becoming capable
       at such time of being declared, due and payable under such agreements or
       instruments, before it would otherwise have been due and payable or (2) a
       default by such party, such Credit Support Provider or such Specified
       Entity (individually or collectively) in making one or more payments on
       the due date thereof in an aggregate amount of not less than the
       applicable Threshold Amount under such agreements or instruments (after
       giving effect to any applicable notice requirement or grace period);

       (vii)  BANKRUPTCY. The party, any Credit Support Provider of such party
       or any applicable Specified Entity of such party: --

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              (1)    is dissolved (other than pursuant to a consolidation,
              amalgamation or merger); (2) becomes insolvent or is unable to pay
              its debts or fails or admits in writing its inability generally to
              pay its debts as they become due; (3) makes a general assignment,
              arrangement or composition with or for the benefit of its
              creditors; (4) institutes or has instituted against it a
              proceeding seeking a judgment of insolvency or bankruptcy or any
              other relief under any bankruptcy or insolvency law or other
              similar law affecting creditors' rights, or a petition is
              presented for its winding-up or liquidation, and, in the case of
              any such proceeding or petition instituted or presented against
              it, such proceeding or petition (A) results in a judgment of
              insolvency or bankruptcy or the entry of an order for relief or
              the making of an order for its winding-up or liquidation or (B) is
              not dismissed, discharged, stayed or restrained in each case
              within 30 days of the institution or presentation thereof; (5) has
              a resolution passed for its winding-up, official management or
              liquidation (other than pursuant to a consolidation, amalgamation
              or merger); (6) seeks or becomes subject to the appointment of an
              administrator, provisional liquidator, conservator, receiver,
              trustee, custodian or other similar official for it or for all or
              substantially all its assets; (7) has a secured party take
              possession of all or substantially all its assets or has a
              distress, execution, attachment, sequestration or other legal
              process levied, enforced or sued on or against all or
              substantially all its assets and such secured party maintains
              possession, or any such process is not dismissed, discharged,
              stayed or restrained, in each case within 30 days thereafter; (8)
              causes or is subject to any event with respect to it which, under
              the applicable laws of any jurisdiction, has an analogous effect
              to any of the events specified in clauses (1) to (7) (inclusive);
              or (9) takes any action in furtherance of, or indicating its
              consent to, approval of, or acquiescence in, any of the foregoing
              acts; or

       (viii) MERGER WITHOUT ASSUMPTION. The party or any Credit Support
       Provider of such party consolidates or amalgamates with, or merges with
       or into, or transfers all or substantially all its assets to, another
       entity and, at the time of such consolidation, amalgamation, merger or
       transfer: --

              (1)    the resulting, surviving or transferee entity fails to
              assume all the obligations of such party or such Credit Support
              Provider under this Agreement or any Credit Support Document to
              which it or its predecessor was a party by operation of law or
              pursuant to an agreement reasonably satisfactory to the other
              party to this Agreement; or

              (2)    the benefits of any Credit Support Document fail to extend
              (without the consent of the other party) to the performance by
              such resulting, surviving or transferee entity of its obligations
              under this Agreement.

(b)    TERMINATION EVENTS. The occurrence at any time with respect to a party
or, if applicable, any Credit Support Provider of such party or any Specified
Entity of such party of any event specified below constitutes an Illegality if
the event is specified in (i) below, a Tax Event if the event is specified in
(ii) below or a Tax Event Upon Merger if the event is specified in (iii) below,
and, if specified to be applicable, a Credit Event Upon Merger if the event is
specified

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pursuant to (iv) below or an Additional Termination Event if the event is
specified pursuant to (v) below:--

       (i)    ILLEGALITY. Due to the adoption of, or any change in, any
       applicable law after the date on which a Transaction is entered into, or
       due to the promulgation of, or any change in, the interpretation by any
       court, tribunal or regulatory authority with competent jurisdiction of
       any applicable law after such date, it becomes unlawful (other than as a
       result of a breach by the party of Section 4(b)) for such party (which
       will be the Affected Party): --

              (1)    to perform any absolute or contingent obligation to make a
              payment or delivery or to receive a payment or delivery in respect
              of such Transaction or to comply with any other material provision
              of this Agreement relating to such Transaction; or

              (2)    to perform, or for any Credit Support Provider of such
              party to perform, any contingent or other obligation which the
              party (or such Credit Support Provider) has under any Credit
              Support Document relating to such Transaction;

       (ii)   TAX EVENT. Due to (x) any action taken by a taxing authority, or
       brought in a court of competent jurisdiction, on or after the date on
       which a Transaction is entered into (regardless of whether such action is
       taken or brought with respect to a party to this Agreement) or (y) a
       Change in Tax Law, the party (which will be the Affected Party) will, or
       there is a substantial likelihood that it will, on the next succeeding
       Scheduled Payment Date (1) be required to pay to the other party an
       additional amount in respect of an Indemnifiable Tax under Section
       2(d)(i)(4) (except in respect of interest under Section 2(e), 6(d)(ii) or
       6(e)) or (2) receive a payment from which an amount is required to be
       deducted or withheld for or on account of a Tax (except in respect of
       interest under Section 2(e), 6(d)(ii) or 6(e)) and no additional amount
       is required to be paid in respect of such Tax under Section 2(d)(i)(4)
       (other than by reason of Section 2(d)(i)(4)(A) or (B));

       (iii)  TAX EVENT UPON MERGER. The party (the "Burdened Party") on the
       next succeeding Scheduled Payment Date will either (1) be required to pay
       an additional amount in respect of an Indemnifiable Tax under Section
       2(d)(i)(4) (except in respect of interest under Section 2(e), 6(d)(ii) or
       6(e)) or (2) receive a payment from which an amount has been deducted or
       withheld for or on account of any Indemnifiable Tax in respect of which
       the other party is not required to pay an additional amount (other than
       by reason of Section 2(d)(i)(4)(A) or (B)), in either case as a result of
       a party consolidating or amalgamating with, or merging with or into, or
       transferring all or substantially all its assets to, another entity
       (which will be the Affected Party) where such action does not constitute
       an event described in Section 5(a)(viii);

       (iv)   CREDIT EVENT UPON MERGER. If "Credit Event Upon Merger" is
       specified in the Schedule as applying to the party, such party ("X"), any
       Credit Support Provider of X or any applicable Specified Entity of X
       consolidates or amalgamates with, or merges with or into, or transfers
       all or substantially all its assets to, another entity and such action
       does not constitute an event described in Section 5(a)(viii) but the
       creditworthiness of the

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       resulting, surviving or transferee entity is materially weaker than that
       of X, such Credit Support Provider or such Specified Entity, as the case
       may be, immediately prior to such action (and, in such event, X or its
       successor or transferee, as appropriate, will be the Affected Party); or

       (v)    ADDITIONAL TERMINATION EVENT. If any "Additional Termination
       Event" is specified in the Schedule or any Confirmation as applying, the
       occurrence of such event (and, in such event, the Affected Party or
       Affected Parties shall be as specified for such Additional Termination
       Event in the Schedule or such Confirmation).

(c)    EVENT OF DEFAULT AND ILLEGALITY. If an event or circumstance which would
otherwise constitute or give rise to an Event of Default also constitutes an
Illegality, it will be treated as an Illegality and will not constitute an Event
of Default.

6.     EARLY TERMINATION

(a)    RIGHT TO TERMINATE FOLLOWING EVENT OF DEFAULT. If at any time an Event of
Default with respect to a party (the "Defaulting Party") has occurred and is
then continuing, the other party (the "Non-defaulting Party") may, by not more
than 20 days notice to the Defaulting Party specifying the relevant Event of
Default, designate a day not earlier than the day such notice is effective as an
Early Termination Date in respect of all outstanding Transactions. If, however,
"Automatic Early Termination" is specified in the Schedule as applying to a
party, then an Early Termination Date in respect of all outstanding Transactions
will occur immediately upon the occurrence with respect to such party of an
Event of Default specified in Section 5(a)(vii)(l), (3), (5), (6) or, to the
extent analogous thereto, (8), and as of the time immediately preceding the
institution of the relevant proceeding or the presentation of the relevant
petition upon the occurrence with respect to such party of an Event of Default
specified in Section 5(a)(vii)(4) or, to the extent analogous thereto, (8).

(b)    RIGHT TO TERMINATE FOLLOWING TERMINATION EVENT.

       (i)    NOTICE. If a Termination Event occurs, an Affected Party will,
       promptly upon becoming aware of it, notify the other party, specifying
       the nature of that Termination Event and each Affected Transaction and
       will also give such other information about that Termination Event as the
       other party may reasonably require.

       (ii)   TRANSFER TO AVOID TERMINATION EVENT. If either an Illegality under
       Section 5(b)(i)(l) or a Tax Event occurs and there is only one Affected
       Party, or if a Tax Event Upon Merger occurs and the Burdened Party is the
       Affected Party, the Affected Party will, as a condition to its right to
       designate an Early Termination Date under Section 6(b)(iv), use all
       reasonable efforts (which will not require such party to incur a loss,
       excluding immaterial, incidental expenses) to transfer within 20 days
       after it gives notice under Section 6(b)(i) all its rights and
       obligations under this Agreement in respect of the Affected Transactions
       to another of its Offices or Affiliates so that such Termination Event
       ceases to exist.

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If the Affected Party is not able to make such a transfer it will give notice to
the other party to that effect within such 20 day period, whereupon the other
party may effect such a transfer within 30 days after the notice is given under
Section 6(b)(i).

Any such transfer by a party under this Section 6(b)(ii) will be subject to and
conditional upon the prior written consent of the other party, which consent
will not be withheld if such other party's policies in effect at such time would
permit it to enter into transactions with the transferee on the terms proposed.

(iii)  TWO AFFECTED PARTIES. If an Illegality under Section 5(b)(i)(l) or a Tax
Event occurs and there are two Affected Parties, each party will use all
reasonable efforts to reach agreement within 30 days after notice thereof is
given under Section 6(b)(i) on action to avoid that Termination Event.

(iv)   RIGHT TO TERMINATE. If:--

              (1) a transfer under Section 6(b)(ii) or an agreement under
              Section 6(b)(iii), as the case may be, has not been effected with
              respect to all Affected Transactions within 30 days after an
              Affected Party gives notice under Section 6(b)(i); or

              (2) an Illegality under Section 5(b)(i)(2), a Credit Event Upon
              Merger or an Additional Termination Event occurs, or a Tax Event
              Upon Merger occurs and the Burdened Party is not the Affected
              Party,

either party in the case of an Illegality, the Burdened Party in the case of a
Tax Event Upon Merger, any Affected Party in the case of a Tax Event or an
Additional Termination Event if there is more than one Affected Party, or the
party which is not the Affected Party in the case of a Credit Event Upon Merger
or an Additional Termination Event if there is only one Affected Party may, by
not more than 20 days notice to the other party and provided that the relevant
Termination Event is then continuing, designate a day not earlier than the day
such notice is effective as an Early Termination Date in respect of all Affected
Transactions.

(c)    EFFECT OF DESIGNATION.

       (i)    If notice designating an Early Termination Date is given under
       Section 6(a) or (b), the Early Termination Date will occur on the date so
       designated, whether or not the relevant Event of Default or Termination
       Event is then continuing.

       (ii)   Upon the occurrence or effective designation of an Early
       Termination Date, no further payments or deliveries under Section 2(a)(i)
       or 2(e) in respect of the Terminated Transactions will be required to be
       made, but without prejudice to the other provisions of this Agreement.
       The amount, if any, payable in respect of an Early Termination Date shall
       be determined pursuant to Section 6(e).

(d)    CALCULATIONS.

       (i)    STATEMENT. On or as soon as reasonably practicable following the
       occurrence of an Early Termination Date, each party will make the
       calculations on its part, if any,

                                       11                          ISDA (R) 1992
<Page>

       contemplated by Section 6(e) and will provide to the other party a
       statement (1) showing, in reasonable detail, such calculations (including
       all relevant quotations and specifying any amount payable under Section
       6(e)) and (2) giving details of the relevant account to which any amount
       payable to it is to be paid. In the absence of written confirmation from
       the source of a quotation obtained in determining a Market Quotation, the
       records of the party obtaining such quotation will be conclusive evidence
       of the existence and accuracy of such quotation.

       (ii)   PAYMENT DATE. An amount calculated as being due in respect of any
       Early Termination Date under Section 6(e) will be payable on the day that
       notice of the amount payable is effective (in the case of an Early
       Termination Date which is designated or occurs as a result of an Event of
       Default) and on the day which is two Local Business Days after the day on
       which notice of the amount payable is effective (in the case of an Early
       Termination Date which is designated as a result of a Termination Event).
       Such amount will be paid together with (to the extent permitted under
       applicable law) interest thereon (before as well as after judgment) in
       the Termination Currency, from (and including) the relevant Early
       Termination Date to (but excluding) the date such amount is paid, at the
       Applicable Rate. Such interest will be calculated on the basis of daily
       compounding and the actual number of days elapsed.

(e)    PAYMENTS ON EARLY TERMINATION. If an Early Termination Date occurs, the
following provisions shall apply based on the parties' election in the Schedule
of a payment measure, either "Market Quotation" or "Loss", and a payment method,
either the "First Method" or the "Second Method". If the parties fail to
designate a payment measure or payment method in the Schedule, it will be deemed
that "Market Quotation" or the "Second Method", as the case may be, shall apply.
The amount, if any, payable in respect of an Early Termination Date and
determined pursuant to this Section will be subject to any Set-off.

       (i)    EVENTS OF DEFAULT. If the Early Termination Date results from an
       Event of Default:--

              (1)    FIRST METHOD AND MARKET QUOTATION. If the First Method and
              Market Quotation apply, the Defaulting Party will pay to the
              Non-defaulting Party the excess, if a positive number, of (A) the
              sum of the Settlement Amount (determined by the Non-defaulting
              Party) in respect of the Terminated Transactions and the
              Termination Currency Equivalent of the Unpaid Amounts owing to the
              Non-defaulting Party over (B) the Termination Currency Equivalent
              of the Unpaid Amounts owing to the Defaulting Party.

              (2)    FIRST METHOD AND LOSS. If the First Method and Loss apply,
              the Defaulting Party will pay to the Non-defaulting Party, if a
              positive number, the Non-defaulting Party's Loss in respect of
              this Agreement.

              (3)    SECOND METHOD AND MARKET QUOTATION. If the Second Method
              and Market Quotation apply, an amount will be payable equal to (A)
              the sum of the Settlement Amount (determined by the Non-defaulting
              Party) in respect of the Terminated Transactions and the
              Termination Currency Equivalent of the Unpaid

                                       12                          ISDA (R) 1992
<Page>

              Amounts owing to the Non-defaulting Party less (B) the Termination
              Currency Equivalent of the Unpaid Amounts owing to the Defaulting
              Party. If that amount is a positive number, the Defaulting Party
              will pay it to the Non-defaulting Party; if it is a negative
              number, the Non-defaulting Party will pay the absolute value of
              that amount to the Defaulting Party.

              (4)    SECOND METHOD AND LOSS. If the Second Method and Loss
              apply, an amount will be payable equal to the Non-defaulting
              Party's Loss in respect of this Agreement. If that amount is a
              positive number, the Defaulting Party will pay it to the
              Non-defaulting Party; if it is a negative number, the
              Non-defaulting Party will pay the absolute value of that amount to
              the Defaulting Party.

       (ii)   TERMINATION EVENTS. If the Early Termination Date results from a
       Termination Event:--

              (1)    ONE AFFECTED PARTY. If there is one Affected Party, the
              amount payable will be determined in accordance with Section
              6(e)(i)(3), if Market Quotation applies, or Section 6(e)(i)(4), if
              Loss applies, except that, in either case, references to the
              Defaulting Party and to the Non-defaulting Party will be deemed to
              be references to the Affected Party and the party which is not the
              Affected Party, respectively, and, if Loss applies and fewer than
              all the Transactions are being terminated, Loss shall be
              calculated in respect of all Terminated Transactions.

              (2)    TWO AFFECTED PARTIES. If there are two Affected Parties:--

                     (A)    if Market Quotation applies, each party will
                     determine a Settlement Amount in respect of the Terminated
                     Transactions, and an amount will be payable equal to (I)
                     the sum of (a) one-half of the difference between the
                     Settlement Amount of the party with the higher Settlement
                     Amount ("X") and the Settlement Amount of the party with
                     the lower Settlement Amount ("Y") and (b) the Termination
                     Currency Equivalent of the Unpaid Amounts owing to X less
                     (II) the Termination Currency Equivalent of the Unpaid
                     Amounts owing to Y; and

                     (B)    if Loss applies, each party will determine its Loss
                     in respect of this Agreement (or, if fewer than all the
                     Transactions are being terminated, in respect of all
                     Terminated Transactions) and an amount will be payable
                     equal to one-half of the difference between the Loss of the
                     party with the higher Loss ("X") and the Loss of the party
                     with the lower Loss ("Y").

              If the amount payable is a positive number, Y will pay it to X; if
              it is a negative number, X will pay the absolute value of that
              amount to Y.

       (iii)  ADJUSTMENT FOR BANKRUPTCY. In circumstances where an Early
       Termination Date occurs because "Automatic Early Termination" applies in
       respect of a party, the amount determined under this Section 6(e) will be
       subject to such adjustments as are appropriate and permitted by law to
       reflect any payments or deliveries made by one party to the other under
       this Agreement (and retained by such other party) during the period from
       the

                                       13                          ISDA (R) 1992
<Page>

       relevant Early Termination Date to the date for payment determined under
       Section 6(d)(ii).

       (iv)   PRE-ESTIMATE. The parties agree that if Market Quotation applies
       an amount recoverable under this Section 6(e) is a reasonable
       pre-estimate of loss and not a penalty. Such amount is payable for the
       loss of bargain and the loss of protection against future risks and
       except as otherwise provided in this Agreement neither party will be
       entitled to recover any additional damages as a consequence of such
       losses.

7.     TRANSFER

Subject to Section 6(b)(ii), neither this Agreement nor any interest or
obligation in or under this Agreement may be transferred (whether by way of
security or otherwise) by either party without the prior written consent of the
other party, except that: --

(a)    a party may make such a transfer of this Agreement pursuant to a
consolidation or amalgamation with, or merger with or into, or transfer of all
or substantially all its assets to, another entity (but without prejudice to any
other right or remedy under this Agreement); and

(b)    a party may make such a transfer of all or any part of its interest in
any amount payable to it from a Defaulting Party under Section 6(e).

Any purported transfer that is not in compliance with this Section will be void.

8.     CONTRACTUAL CURRENCY

(a)    PAYMENT IN THE CONTRACTUAL CURRENCY. Each payment under this Agreement
will be made in the relevant currency specified in this Agreement for that
payment (the "Contractual Currency"). To the extent permitted by applicable law,
any obligation to make payments under this Agreement in the Contractual Currency
will not be discharged or satisfied by any tender in any currency other than the
Contractual Currency, except to the extent such tender results in the actual
receipt by the party to which payment is owed, acting in a reasonable manner and
in good faith in converting the currency so tendered into the Contractual
Currency, of the full amount in the Contractual Currency of all amounts payable
in respect of this Agreement. If for any reason the amount in the Contractual
Currency so received falls short of the amount in the Contractual Currency
payable in respect of this Agreement, the party required to make the payment
will, to the extent permitted by applicable law, immediately pay such additional
amount in the Contractual Currency as may be necessary to compensate for the
shortfall. If for any reason the amount in the Contractual Currency so received
exceeds the amount in the Contractual Currency payable in respect of this
Agreement, the party receiving the payment will refund promptly the amount of
such excess.

(b)    JUDGMENTS. To the extent permitted by applicable law, if any judgment or
order expressed in a currency other than the Contractual Currency is rendered
(i) for the payment of any amount owing in respect of this Agreement, (ii) for
the payment of any amount relating to any early termination in respect of this
Agreement or (iii) in respect of a judgment or order of another court for the
payment of any amount described in (i) or (ii) above, the party seeking
recovery, after recovery in full of the aggregate amount to which such party is
entitled pursuant

                                       14                          ISDA (R) 1992
<Page>

to the judgment or order, will be entitled to receive immediately from the other
party the amount of any shortfall of the Contractual Currency received by such
party as a consequence of sums paid in such other currency and will refund
promptly to the other party any excess of the Contractual Currency received by
such party as a consequence of sums paid in such other currency if such
shortfall or such excess arises or results from any variation between the rate
of exchange at which the Contractual Currency is converted into the currency of
the judgment or order for the purposes of such judgment or order and the rate of
exchange at which such party is able, acting in a reasonable manner and in good
faith in converting the currency received into the Contractual Currency, to
purchase the Contractual Currency with the amount of the currency of the
judgment or order actually received by such party. The term "rate of exchange"
includes, without limitation, any premiums and costs of exchange payable in
connection with the purchase of or conversion into the Contractual Currency.

(c)    SEPARATE INDEMNITIES. To the extent permitted by applicable law, these
indemnities constitute separate and independent obligations from the other
obligations in this Agreement, will be enforceable as separate and independent
causes of action, will apply notwithstanding any indulgence granted by the party
to which any payment is owed and will not be affected by judgment being obtained
or claim or proof being made for any other sums payable in respect of this
Agreement.

(d)    EVIDENCE OF LOSS. For the purpose of this Section 8, it will be
sufficient for a party to demonstrate that it would have suffered a loss had an
actual exchange or purchase been made.

9.     MISCELLANEOUS

(a)    ENTIRE AGREEMENT. This Agreement constitutes the entire agreement and
understanding of the parties with respect to its subject matter and supersedes
all oral communication and prior writings with respect thereto.

(b)    AMENDMENTS. No amendment, modification or waiver in respect of this
Agreement will be effective unless in writing (including a writing evidenced by
a facsimile transmission) and executed by each of the parties or confirmed by an
exchange of telexes or electronic messages on an electronic messaging system.

(c)    SURVIVAL OF OBLIGATIONS. Without prejudice to Sections 2(a)(iii) and
6(c)(ii), the obligations of the parties under this Agreement will survive the
termination of any Transaction.

(d)    REMEDIES CUMULATIVE. Except as provided in this Agreement, the rights,
powers, remedies and privileges provided in this Agreement are cumulative and
not exclusive of any rights, powers, remedies and privileges provided by law.

(e)    COUNTERPARTS AND CONFIRMATIONS.

       (i)    This Agreement (and each amendment, modification and waiver in
       respect of it) may be executed and delivered in counterparts (including
       by facsimile transmission), each of which will be deemed an original.

                                       15                          ISDA (R) 1992
<Page>

       (ii)   The parties intend that they are legally bound by the terms of
       each Transaction from the moment they agree to those terms (whether
       orally or otherwise). A Confirmation shall he entered into as soon as
       practicable and may he executed and delivered in counterparts (including
       by facsimile transmission) or be created by an exchange of telexes or by
       an exchange of electronic messages on an electronic messaging system,
       which in each case will be sufficient for all purposes to evidence a
       binding supplement to this Agreement. The parties will specify therein or
       through another effective means that any such counterpart, telex or
       electronic message constitutes a Confirmation.

(f)    NO WAIVER OF RIGHTS. A failure or delay in exercising any right, power or
privilege in respect of this Agreement will not be presumed to operate as a
waiver, and a single or partial exercise of any right, power or privilege will
not be presumed to preclude any subsequent or further exercise, of that right,
power or privilege or the exercise of any other right, power or privilege.

(g)    HEADINGS. The headings used in this Agreement are for convenience of
reference only and are not to affect the construction of or to be taken into
consideration in interpreting this Agreement.

10.    OFFICES; MULTIBRANCH PARTIES

(a)    If Section 10(a) is specified in the Schedule as applying, each party
that enters into a Transaction through an Office other than its head or home
office represents to the other party that, notwithstanding the place of booking
office or jurisdiction of incorporation or organisation of such party, the
obligations of such party are the same as if it had entered into the Transaction
through its head or home office. This representation will be deemed to be
repeated by such party on each date on which a Transaction is entered into.

(b)    Neither party may change the Office through which it makes and receives
payments or deliveries for the purpose of a Transaction without the prior
written consent of the other party.

(c)    If a party is specified as a Multibranch Party in the Schedule, such
Multibranch Party may make and receive payments or deliveries under any
Transaction through any Office listed in the Schedule, and the Office through
which it makes and receives payments or deliveries with respect to a Transaction
will be specified in the relevant Confirmation.

11.    EXPENSES

A Defaulting Party will, on demand, indemnify and hold harmless the other party
for and against all reasonable out-of-pocket expenses, including legal fees and
Stamp Tax, incurred by such other party by reason of the enforcement and
protection of its rights under this Agreement or any Credit Support Document to
which the Defaulting Party is a party or by reason of the early termination of
any Transaction, including, but not limited to, costs of collection.

                                       16                          ISDA (R) 1992
<Page>

12.    NOTICES

(a)    EFFECTIVENESS. Any notice or other communication in respect of this
Agreement may be given in any manner set forth below (except that a notice or
other communication under Section 5 or 6 may not be given by facsimile
transmission or electronic messaging system) to the address or number or in
accordance with the electronic messaging system details provided (see the
Schedule) and will be deemed effective as indicated:--

       (i)    if in writing and delivered in person or by courier, on the date
       it is delivered;

       (ii)   if sent by telex, on the date the recipient's answerback is
       received;

       (iii)  if sent by facsimile transmission, on the date that transmission
       is received by a responsible employee of the recipient in legible form
       (it being agreed that the burden of proving receipt will be on the sender
       and will not be met by a transmission report generated by the sender's
       facsimile machine);

       (iv)   if sent by certified or registered mail (airmail, if overseas) or
       the equivalent (return receipt requested), on the date that mail is
       delivered or its delivery is attempted; or

       (v)    if sent by electronic messaging system, on the date that
       electronic message is received,

unless the date of that delivery (or attempted delivery) or that receipt, as
applicable, is not a Local Business Day or that communication is delivered (or
attempted) or received, as applicable, after the close of business on a Local
Business Day, in which case that communication shall be deemed given and
effective on the first following day that is a Local Business Day.

(b)    CHANGE OF ADDRESSES. Either party may by notice to the other change the
address, telex or facsimile number or electronic messaging system details at
which notices or other communications are to be given to it.

13.    GOVERNING LAW AND JURISDICTION

(a)    GOVERNING LAW. This Agreement will be governed by and construed in
accordance with the law specified in the Schedule.

(b)    JURISDICTION. With respect to any suit, action or proceedings relating to
this Agreement ("Proceedings"), each party irrevocably:--

       (i)    submits to the jurisdiction of the English courts, if this
       Agreement is expressed to be governed by English law, or to the
       non-exclusive jurisdiction of the courts of the State of New York and the
       United States District Court located in the Borough of Manhattan in New
       York City, if this Agreement is expressed to be governed by the laws of
       the State of New York; and

       (ii)   waives any objection which it may have at any time to the laying
       of venue of any Proceedings brought in any such court, waives any claim
       that such Proceedings have

                                       17                          ISDA (R) 1992
<Page>

       been brought in an inconvenient forum and further waives the right to
       object, with respect to such Proceedings, that such court does not have
       any jurisdiction over such party.

Nothing in this Agreement precludes either party from bringing Proceedings in
any other jurisdiction (outside, if this Agreement is expressed to be governed
by English law, the Contracting States, as defined in Section 1(3) of the Civil
Jurisdiction and Judgments Act 1982 or any modification, extension or
re-enactment thereof for the time being in force) nor will the bringing of
Proceedings in any one or more jurisdictions preclude the bringing of
Proceedings in any other jurisdiction.

(c)    SERVICE OF PROCESS. Each party irrevocably appoints the Process Agent (if
any) specified opposite its name in the Schedule to receive, for it and on its
behalf, service of process in any Proceedings. If for any reason any party's
Process Agent is unable to act as such, such party will promptly notify the
other party and within 30 days appoint a substitute process agent acceptable to
the other party. The parties irrevocably consent to service of process given in
the manner provided for notices in Section 12. Nothing in this Agreement will
affect the right of either party to serve process in any other manner permitted
by law.

(d)    WAIVER OF IMMUNITIES. Each party irrevocably waives, to the fullest
extent permitted by applicable law, with respect to itself and its revenues and
assets (irrespective of their use or intended use), all immunity on the grounds
of sovereignty or other similar grounds from (i) suit, (ii) jurisdiction of any
court, (iii) relief by way of injunction, order for specific performance or for
recovery of property, (iv) attachment of its assets (whether before or after
judgment) and (v) execution or enforcement of any judgment to which it or its
revenues or assets might otherwise be entitled in any Proceedings in the courts
of any jurisdiction and irrevocably agrees, to the extent permitted by
applicable law, that it will not claim any such immunity in any Proceedings.

14.    DEFINITIONS

As used in this Agreement:--

"ADDITIONAL TERMINATION EVENT" has the meaning specified in Section 5(b).

"AFFECTED PARTY" has the meaning specified in Section 5(b).

"AFFECTED TRANSACTIONS" means (a) with respect to any Termination Event
consisting of an Illegality, Tax Event or Tax Event Upon Merger, all
Transactions affected by the occurrence of such Termination Event and (b) with
respect to any other Termination Event, all Transactions.

"AFFILIATE" means, subject to the Schedule, in relation to any person, any
entity controlled, directly or indirectly, by the person, any entity that
controls, directly or indirectly, the person or any entity directly or
indirectly under common control with the person. For this purpose, "control" of
any entity or person means ownership of a majority of the voting power of the
entity or person.

"APPLICABLE RATE" means:--

                                       18                          ISDA (R) 1992
<Page>

(a)    in respect of obligations payable or deliverable (or which would have
been but for Section 2(a)(iii)) by a Defaulting Party, the Default Rate;

(b)    in respect of an obligation to pay an amount under Section 6(e) of either
party from and after the date (determined in accordance with Section 6(d)(ii))
on which that amount is payable, the Default Rate;

(c)    in respect of all other obligations payable or deliverable (or which
would have been but for Section 2(a)(iii)) by a Non-defaulting Party, the
Non-default Rate; and

(d)    in all other cases, the Termination Rate.

"BURDENED PARTY" has the meaning specified in Section 5(b).

"CHANGE IN TAX LAW" means the enactment, promulgation, execution or ratification
of, or any change in or amendment to, any law (or in the application or official
interpretation of any law) that occurs on or after the date on which the
relevant Transaction is entered into.

"CONSENT" includes a consent, approval, action, authorisation, exemption,
notice, filing, registration or exchange control consent.

"CREDIT EVENT UPON MERGER" has the meaning specified in Section 5(b).

"CREDIT SUPPORT DOCUMENT" means any agreement or instrument that is specified as
such in this Agreement.

"CREDIT SUPPORT PROVIDER" has the meaning specified in the Schedule.

"DEFAULT RATE" means a rate per annum equal to the cost (without proof or
evidence of any actual cost) to the relevant payee (as certified by it) if it
were to fund or of funding the relevant amount plus 1% per annum.

"DEFAULTING PARTY" has the meaning specified in Section 6(a).

"EARLY TERMINATION DATE" means the date determined in accordance with
Section 6(a) or 6(b)(iv).

"EVENT OF DEFAULT" has the meaning specified in Section 5(a) and, if applicable,
in the Schedule.

"ILLEGALITY" has the meaning specified in Section 5(b).

"INDEMNIFIABLE TAX" means any Tax other than a Tax that would not be imposed in
respect of a payment under this Agreement but for a present or former connection
between the jurisdiction of the government or taxation authority imposing such
Tax and the recipient of such payment or a person related to such recipient
(including, without limitation, a connection arising from such recipient or
related person being or having been a citizen or resident of such jurisdiction,
or being or having been organised, present or engaged in a trade or business in
such jurisdiction, or having or having had a permanent establishment or fixed
place of business in such jurisdiction,

                                       19                          ISDA (R) 1992
<Page>

but excluding a connection arising solely from such recipient or related person
having executed, delivered, performed its obligations or received a payment
under, or enforced, this Agreement or a Credit Support Document).

"LAW" includes any treaty, law, rule or regulation (as modified, in the case of
tax matters, by the practice of any relevant governmental revenue authority) and
"LAWFUL" and "UNLAWFUL" will be construed accordingly.

"LOCAL BUSINESS DAY" means, subject to the Schedule, a day on which commercial
banks are open for business (including dealings in foreign exchange and foreign
currency deposits) (a) in relation to any obligation under Section 2(a)(i), in
the place(s) specified in the relevant Confirmation or, if not so specified, as
otherwise agreed by the parties in writing or determined pursuant to provisions
contained, or incorporated by reference, in this Agreement, (b) in relation to
any other payment, in the place where the relevant account is located and, if
different, in the principal financial centre, if any, of the currency of such
payment, (c) in relation to any notice or other communication, including notice
contemplated under Section 5(a)(i), in the city specified in the address for
notice provided by the recipient and, in the case of a notice contemplated by
Section 2(b), in the place where the relevant new account is to be located and
(d) in relation to Section 5(a)(v)(2), in the relevant locations for performance
with respect to such Specified Transaction.

"LOSS" means, with respect to this Agreement or one or more Terminated
Transactions, as the case may be, and a party, the Termination Currency
Equivalent of an amount that party reasonably determines in good faith to be its
total losses and costs (or gain, in which case expressed as a negative number)
in connection with this Agreement or that Terminated Transaction or group of
Terminated Transactions, as the case may be, including any loss of bargain, cost
of funding or, at the election of such party but without duplication, loss or
cost incurred as a result of its terminating, liquidating, obtaining or
reestablishing any hedge or related trading position (or any gain resulting from
any of them). Loss includes losses and costs (or gains) in respect of any
payment or delivery required to have been made (assuming satisfaction of each
applicable condition precedent) on or before the relevant Early Termination Date
and not made, except, so as to avoid duplication, if Section 6(e)(i)(1) or (3)
or 6(e)(ii)(2)(A) applies. Loss does not include a party's legal fees and
out-of-pocket expenses referred to under Section 11. A party will determine its
Loss as of the relevant Early Termination Date, or, if that is not reasonably
practicable, as of the earliest date thereafter as is reasonably practicable. A
party may (but need not) determine its Loss by reference to quotations of
relevant rates or prices from one or more leading dealers in the relevant
markets.

"MARKET QUOTATION" means, with respect to one or more Terminated Transactions
and a party making the determination, an amount determined on the basis of
quotations from Reference Market-makers. Each quotation will be for an amount,
if any, that would be paid to such party (expressed as a negative number) or by
such party (expressed as a positive number) in consideration of an agreement
between such party (taking into account any existing Credit Support Document
with respect to the obligations of such party) and the quoting Reference
Market-maker to enter into a transaction (the "Replacement Transaction") that
would have the effect of preserving for such party the economic equivalent of
any payment or delivery (whether the underlying obligation was absolute or
contingent and assuming the satisfaction of each

                                       20                          ISDA (R) 1992
<Page>

applicable condition precedent) by the parties under Section 2(a)(i) in respect
of such Terminated Transaction or group of Terminated Transactions that would,
but for the occurrence of the relevant Early Termination Date, have been
required after that date. For this purpose, Unpaid Amounts in respect of the
Terminated Transaction or group of Terminated Transactions are to be excluded
but, without limitation, any payment or delivery that would, but for the
relevant Early Termination Date, have been required (assuming satisfaction of
each applicable condition precedent) after that Early Termination Date is to be
included. The Replacement Transaction would be subject to such documentation as
such party and the Reference Market-maker may, in good faith, agree. The party
making the determination (or its agent) will request each Reference Market-maker
to provide its quotation to the extent reasonably practicable as of the same day
and time (without regard to different time zones) on or as soon as reasonably
practicable after the relevant Early Termination Date. The day and time as of
which those quotations are to be obtained will be selected in good faith by the
party obliged to make a determination under Section 6(e), and, if each party is
so obliged, after consultation with the other. If more than three quotations are
provided, the Market Quotation will be the arithmetic mean of the quotations,
without regard to the quotations having the highest and lowest values. If
exactly three such quotations are provided, the Market Quotation will be the
quotation remaining after disregarding the highest and lowest quotations. For
this purpose, if more than one quotation has the same highest value or lowest
value, then one of such quotations shall be disregarded. If fewer than three
quotations are provided, it will be deemed that the Market Quotation in respect
of such Terminated Transaction or group of Terminated Transactions cannot be
determined.

"NON-DEFAULT RATE" means a rate per annum equal to the cost (without proof or
evidence of any actual cost) to the Non-defaulting Party (as certified by it) if
it were to fund the relevant amount.

"NON-DEFAULTING PARTY" has the meaning specified in Section 6(a).

"OFFICE" means a branch or office of a party, which may be such party's head or
home office.

"POTENTIAL EVENT OF DEFAULT" means any event which, with the giving of notice or
the lapse of time or both, would constitute an Event of Default.

"REFERENCE MARKET-MAKERS" means four leading dealers in the relevant market
selected by the party determining a Market Quotation in good faith (a) from
among dealers of the highest credit standing which satisfy all the criteria that
such party applies generally at the time in deciding whether to offer or to make
an extension of credit and (b) to the extent practicable, from among such
dealers having an office in the same city.

"RELEVANT JURISDICTION" means, with respect to a party, the jurisdictions (a) in
which the party is incorporated, organised, managed and controlled or considered
to have its seat, (b) where an Office through which the party is acting for
purposes of this Agreement is located, (c) in which the party executes this
Agreement and (d) in relation to any payment, from or through which such payment
is made.

"SCHEDULED PAYMENT DATE" means a date on which a payment or delivery is to be
made under Section 2(a)(i) with respect to a Transaction.

                                       21                          ISDA (R) 1992
<Page>

"SET-OFF" means set-off, offset, combination of accounts, right of retention or
withholding or similar right or requirement to which the payer of an amount
under Section 6 is entitled or subject (whether arising under this Agreement,
another contract, applicable law or otherwise) that is exercised by, or imposed
on, such payer.

"SETTLEMENT AMOUNT" means, with respect to a party and any Early Termination
Date, the sum of: --

(a)    the Termination Currency Equivalent of the Market Quotations (whether
positive or negative) for each Terminated Transaction or group of Terminated
Transactions for which a Market Quotation is determined; and

(b)    such party's Loss (whether positive or negative and without reference to
any Unpaid Amounts) for each Terminated Transaction or group of Terminated
Transactions for which a Market Quotation cannot be determined or would not (in
the reasonable belief of the party making the determination) produce a
commercially reasonable result.

"SPECIFIED ENTITY" has the meanings specified in the Schedule.

"SPECIFIED INDEBTEDNESS" means, subject to the Schedule, any obligation (whether
present or future, contingent or otherwise, as principal or surety or otherwise)
in respect of borrowed money.

"SPECIFIED TRANSACTION" means, subject to the Schedule, (a) any transaction
(including an agreement with respect thereto) now existing or hereafter entered
into between one party to this Agreement (or any Credit Support Provider of such
party or any applicable Specified Entity of such party) and the other party to
this Agreement (or any Credit Support Provider of such other party or any
applicable Specified Entity of such other party) which is a rate swap
transaction, basis swap, forward rate transaction, commodity swap, commodity
option, equity or equity index swap, equity or equity index option, bond option,
interest rate option, foreign exchange transaction, cap transaction, floor
transaction, collar transaction, currency swap transaction, cross-currency rate
swap transaction, currency option or any other similar transaction (including
any option with respect to any of these transactions), (b) any combination of
these transactions and (c) any other transaction identified as a Specified
Transaction in this Agreement or the relevant confirmation.

"STAMP TAX" means any stamp, registration, documentation or similar tax.

"TAX" means any present or future tax, levy, impost, duty, charge, assessment or
fee of any nature (including interest, penalties and additions thereto) that is
imposed by any government or other taxing authority in respect of any payment
under this Agreement other than a stamp, registration, documentation or similar
tax.

"TAX EVENT" has the meaning specified in Section 5(b).

"TAX EVENT UPON MERGER" has the meaning specified in Section 5(b).

                                       22                          ISDA (R) 1992
<Page>

"TERMINATED TRANSACTIONS" means with respect to any Early Termination Date (a)
if resulting from a Termination Event, all Affected Transactions and (b) if
resulting from an Event of Default, all Transactions (in either case) in effect
immediately before the effectiveness of the notice designating that Early
Termination Date (or, if "Automatic Early Termination" applies, immediately
before that Early Termination Date).

"TERMINATION CURRENCY" has the meaning specified in the Schedule.

"TERMINATION CURRENCY EQUIVALENT" means, in respect of any amount denominated in
the Termination Currency, such Termination Currency amount and, in respect of
any amount denominated in a currency other than the Termination Currency (the
"Other Currency"), the amount in the Termination Currency determined by the
party making the relevant determination as being required to purchase such
amount of such Other Currency as at the relevant Early Termination Date, or, if
the relevant Market Quotation or Loss (as the case may be), is determined as of
a later date, that later date, with the Termination Currency at the rate equal
to the spot exchange rate of the foreign exchange agent (selected as provided
below) for the purchase of such Other Currency with the Termination Currency at
or about 11:00 a.m. (in the city in which such foreign exchange agent is
located) on such date as would be customary for the determination of such a rate
for the purchase of such Other Currency for value on the relevant Early
Termination Date or that later date. The foreign exchange agent will, if only
one party is obliged to make a determination under Section 6(e), be selected in
good faith by that party and otherwise will be agreed by the parties.

"TERMINATION EVENT" means an Illegality, a Tax Event or a Tax Event Upon Merger
or, if specified to be applicable, a Credit Event Upon Merger or an Additional
Termination Event.

"TERMINATION RATE" means a rate per annum equal to the arithmetic mean of the
cost (without proof or evidence of any actual cost) to each party (as certified
by such party) if it were to fund or of funding such amounts.

"UNPAID AMOUNTS" owing to any party means, with respect to an Early Termination
Date, the aggregate of (a) in respect of all Terminated Transactions, the
amounts that became payable (or that would have become payable but for Section
2(a)(iii)) to such party under Section 2(a)(i) on or prior to such Early
Termination Date and which remain unpaid as at such Early Termination Date and
(b) in respect of each Terminated Transaction, for each obligation under Section
2(a)(i) which was (or would have been but for Section 2(a)(iii)) required to be
settled by delivery to such party on or prior to such Early Termination Date and
which has not been so settled as at such Early Termination Date, an amount equal
to the fair market value of that which was (or would have been) required to be
delivered as of the originally scheduled date for delivery, in each case
together with (to the extent permitted under applicable law) interest, in the
currency of such amounts, from (and including) the date such amounts or
obligations were or would have been required to have been paid or performed to
(but excluding) such Early Termination Date, at the Applicable Rate. Such
amounts of interest will be calculated on the basis of daily compounding and the
actual number of days elapsed. The fair market value of any obligation referred
to in clause (b) above shall be reasonably determined by the party obliged to
make the determination under Section 6(e) or, if each party is so obliged, it
shall be the average of the

                                       23                          ISDA (R) 1992
<Page>

Termination Currency Equivalents of the fair market values reasonably determined
by both parties.

                                       24                          ISDA (R) 1992
<Page>

IN WITNESS WHEREOF the parties have executed this document on the respective
dates specified below with effect from the date specified on the first page of
this document.

CITIBANK, N.A.                                 GBC FLORIDA, INC.

By: /s/ Linda R. Cook                          By: /s/ Rick J. Tremblay
    -------------------------------------          -----------------------------
    Name:  Linda Cook                              Name:  Rick J. Tremblay
    Title: Vice President                          Title: Exec VP-CFO
    Date:                                          Date:  8-22-02
           Citibank, N.A.
           250 West Street/10th Floor
           New York, New York 10013

                                       25                          ISDA (R) 1992
<Page>

MULTICURRENCY-CROSS BORDER                                        Execution Copy
                                                          Reference No. CB04-920

                                    SCHEDULE

                                     to the

                              ISDA Master Agreement

                          dated as of August 14, 2002,

                                     between

                                 CITIBANK, N.A,
              a national banking association organized and existing
                       under the laws of the United States
                                   ("Party A")

                                       and

                               GBC FLORIDA, INC.,
                      a corporation organized and existing
                      under the laws of the State of Kansas
                                   ("Party B")

                                     Part 1

                             Termination Provisions

In this Agreement:

              (a)    "SPECIFIED ENTITY" means for the purpose of Section 5(a)(v)
of this Agreement, (i) in relation to Party A, Salomon Brothers International
Limited, Salomon Brothers AG, Salomon Smith Barney Inc., Salomon Forex Inc,
Smith Barney Commercial Corporation, Citicorp Securities Services, Inc., and
Salomon Brothers Holding Company Inc (individually a "Section 5(a)(v)
Affiliate"), and (ii) in relation to Party B, any Affiliate of Party B.

              (b)    "SPECIFIED TRANSACTION" will have the meaning specified in
Section 14 of this Agreement. For purposes of clause (c) of such definition,
Specified Transaction includes any securities lending agreement, securities
options, margin loans, short sales, repurchase agreement, reverse repurchase
agreement and forward securities contract, and any other similar transaction now
existing or hereafter entered into between Party A (or any Section 5(a)(v)
Affiliate) and Party B (or any Affiliate of Party B).

              (c)    The "CROSS DEFAULT" provisions of Section 5(a)(vi) will
apply to Party A and will apply to Party B.

                                       26                          ISDA (R) 1992
<Page>

              For purposes of Section 5(a)(vi), the following provisions apply:

              "SPECIFIED INDEBTEDNESS" means, instead of the definition thereof
              in Section 14 of this Agreement, any obligation (whether present
              or future, contingent or otherwise, as principal or surety or
              otherwise) in respect of (i) borrowed money, or (ii) any
              transaction with any party of the type referred to in
              subparagraphs (a), (b) or (c) of the definition of Specified
              Transaction.

              For the purpose of Section 5(a)(vi)(1):

              (a)    Any reference to Specified Indebtedness becoming, or
              becoming capable of being declared, due and payable shall in the
              case of Specified Indebtedness which is a Transaction with any
              party of the type referred to in subparagraphs (a), (b) or (c) of
              the definition of Specified Transaction, be deemed to be a
              reference to Specified Indebtedness being, or becoming capable of
              being, terminated, liquidated, accelerated or cancelled by reason
              of a default, event of default or similar condition or event
              (however described) in respect of such party to a Transaction; and

              (b)    in determining the amount to be included in "Threshold
              Amount" with respect to Specified Indebtedness which is a
              Transaction with any party of the type referred to in
              subparagraphs (a), (b) or (c) of the definition of Specified
              Transaction, the termination or settlement value of such
              Transaction (whether or not such termination or settlement amount
              represents an amount paid to or by such applicable party, Credit
              Support Provider or applicable Specified Entity) shall be used or,
              if it is not available, the Non-defaulting Party shall determine
              the settlement amount or termination value of such Transaction in
              good faith on the basis of the information available to it.

              (c)    for the avoidance of doubt, in determining an aggregate
              amount to be included in "Threshold Amount" for purposes of this
              Section 5(a)(vi) a party may aggregate Threshold Amounts across
              (x) multiple agreements covering Specified Indebtedness in respect
              of (i) above and/or (y) multiple agreements covering Specified
              Indebtedness of a type referred to in clause (ii) above.
              Notwithstanding the foregoing (and for purposes of determining
              whether a Threshold Amount has been satisfied) a party may not
              aggregate amounts relating to agreements covering Specified
              Indebtedness in respect of clause (i) above with any amounts
              relating to Specified Indebtedness of a type referred to in clause
              (ii) above (irrespective of whether such amounts shall have been
              aggregated as permitted pursuant to this clause (c)); and

              (d)    If at any time the amount to be included in Specified
              Indebtedness with regard to (ii) above shall be negative, the
              relevant amount for purposes of aggregating such indebtedness with
              other Specified Indebtedness shall be the absolute value of such
              negative amount.

                                       27                          ISDA (R) 1992
<Page>

              "THRESHOLD AMOUNT" means

              (A)    with respect to Specified Indebtedness in respect of
              borrowed money:

                     (i) with respect to Party A, 2% of the stockholders' equity
                     of Party A.; and
                     (ii) with respect to Party B, 2% of the stockholders'
                     equity of Party B; and

              (B)    with respect to Specified Indebtedness which is a
              transaction referred to in subparagraphs (a), (b) or (c) of the
              definition of Specified Transaction:

                          (i) with respect to Party A, $50,000,000; and
                          (ii) with respect to Party B, $5,000,000.

              Including, in the case of (A) and (B) above, the U.S. Dollar
              equivalent on the date of any event of default of any obligation
              stated in any other currency.

              For purposes of the above, stockholders' equity shall be
              determined by reference to the relevant party's most recent
              consolidated (quarterly, in the case of a U.S. incorporated party)
              balance sheet and shall include, in the case of a U.S.
              incorporated party, legal capital, paid-in capital, retained
              earnings and cumulative translation adjustments. Such balance
              sheet shall be prepared in accordance with accounting principles
              that are generally accepted in such party's country of
              organization.

              (d)    The "CREDIT EVENT UPON MERGER" provisions of Section
5(b)(iv) of this Agreement will apply to Party A and will apply to Party B.

              For purposes of this Agreement Section 5(b)(iv) is hereby amended
              by:

       (i) inserting after the phrase "Section 5(a)(viii)" on line 4 thereof the
       phrase "or any person or entity acquires directly or indirectly the
       beneficial ownership of equity securities having the power to elect a
       majority of the Board of Directors or other managing body of X, any
       Credit Support Provider of X or any applicable Specified Entity of X"

              (e)    The "AUTOMATIC EARLY TERMINATION" provisions of Section
6(a) will not apply to Party A and will not apply to Party B.

              (f)    For the purpose of the "PAYMENTS ON EARLY TERMINATION"
provisions of Section 6(e):

                     (i)    The Second Method will apply; and
                     (ii)   Market Quotation will apply.

              (g)    "TERMINATION CURRENCY" means United States Dollars.

                                       28                          ISDA (R) 1992
<Page>

              (h)    "ADDITIONAL TERMINATION EVENT" will apply. Section 5(b) of
the Agreement is modified by adding at the end thereof the following subsection
(vi):

              (vi)   IMPOSSIBILITY. Due to the occurrence of a natural or
              man-made disaster, armed conflict, act of terrorism, riot, labor
              disruption or any other circumstance beyond its control after the
              date on which a Transaction is entered into, it becomes impossible
              (other than as a result of its own misconduct) for such a party:

                     (1)    to perform any absolute or contingent obligation, to
                     make a payment or delivery or to receive a payment or
                     delivery in respect of such Transaction or to comply with
                     any other material provision of this Agreement relating to
                     such Transaction; or

                     (2)    to perform, or for any Credit Support Provider of
                     such party to perform, any contingent or other obligation
                     which the party (or such Credit Support Provider) has under
                     any Credit Support Document relating to such Transaction.

              For the purposes of Section 6, both parties shall be Affected
              Parties. An Impossibility shall be treated as an Illegality for
              purposes of Section 5(c) of the Agreement. The definition of
              "Affected Transactions" in Section 14 of the Agreement is hereby
              amended by inserting "Impossibility," immediately after "an
              Illegality,".

              (vii)  WELL CAPITALIZED. It shall constitute an Additional
              Termination Event, Party B shall be the Affected Party and Party A
              shall be the party entitled to designate an Early Termination Date
              and determine the Settlement Amount, at anytime, Party B shall
              cease to be "well capitalized" in accordance with the regulations
              promulgated by the Federal Reserve Board.

              (viii) WHOLLY-OWNED SUBSIDIARY. It shall constitute an Additional
              Termination Event, Party B shall be the Affected Party and Party A
              shall be the party entitled to designate an Early Termination Date
              and determine the Settlement Amount, if, at anytime, Party B
              ceases to own, directly or indirectly, all of the outstanding
              capital stock of American Bank, a Florida State chartered bank.

              (j)    FAILURE TO PAY OR DELIVER; SECTION 5(a)(i). The provisions
              of Section 5(a)(i) of the Agreement are hereby amended to delete
              on line 3 the word "third" and to insert in lieu thereof the word
              "second".

                                       29                          ISDA (R) 1992
<Page>

                                     Part 2

                               Tax Representations

              (a)    PAYER REPRESENTATIONS. For the purpose of Section 3(e) of
this Agreement, Party A will make the following representation and Party B will
make the following representation:

It is not required by any applicable law, as modified by the practice of any
relevant governmental revenue authority, of any Relevant Jurisdiction to make
any deduction or withholding for or on account of any Tax from any payment
(other than interest under Section 2(e), 6(d)(ii) or 6(e) of this Agreement) to
be made by it to the other party under this Agreement. In making this
representation, it may rely on (i) the accuracy of any representations made by
the other party pursuant to Section 3(f) of this Agreement, (ii) the
satisfaction of the agreement contained in Section 4(a)(i) or 4(a)(iii) of this
Agreement and the accuracy and effectiveness of any document provided by the
other party pursuant to Section 4(a)(i) or 4(a)(iii) of this Agreement and (iii)
the satisfaction of the agreement of the other party contained in Section 4(d)
of this Agreement, provided that it shall not be a breach of this representation
where reliance is placed on clause (ii) and the other party does not deliver a
form or documents under Section 4(a)(iii) by reason of material prejudice to its
legal or commercial position.

              (b)    PAYEE REPRESENTATIONS. For the purpose of Section 3(f) of
the Agreement, Party A and Party B make the representations specified below, if
any:

       The following representation will apply to Party A and Party B:

       The following representation will apply to Party A:

       It is a national banking association organized under the laws of the
       United States and its U.S. taxpayer identification number is 13-5266470.

       The following representation will apply to Party B:

       It is a corporation created or organized in the United States or under
       the laws of the United States or of any State and its U.S. taxpayer
       identification number is 48-1220463.

                                       30                          ISDA (R) 1992
<Page>

                                     Part 3

                         Agreement to Deliver Documents

               For the purpose of Section 4(a) of this Agreement:

              I.     Tax forms, documents or certificates to be delivered are:

<Table>
<Caption>
  Party required to         Form/Document/             Date by which to
  Deliver document           Certificate                 be delivered
------------------------  -------------------  ---------------------------------
<S>                         <C>                <C>
                                               Promptly upon execution of this
(i)  Party A and Party B    IRS Form W-9       Agreement; and promptly upon
                                               learning that any form previously
                                               provided has become obsolete or
                                               incorrect.
</Table>

              II.    Other documents to be delivered are:

<Table>
<Caption>
 Party required
   to deliver             Form/Document/                 Date by which to            Covered by
    document               Certificate                     Be delivered             Section 3(d)
----------------  -------------------------------  -------------------------------  -------------
<S>               <C>                              <C>                               <C>
(a) Party A and   Evidence reasonably              As soon as practicable after      Yes
    Party B       satisfactory to the other        execution of this Agreement
                  party of the (i) authority of    and, if requested by the other
                  such party to enter into the     party, as soon as practicable
                  Agreement and any Transactions   after execution of any
                  and (ii) the authority and       Confirmation of any other
                  genuine signature of the         Transaction.
                  individual signing the
                  Agreement and any confirmation
                  on behalf of such party to
                  execute the same.

(b) Party A and   The party's consolidated         As soon as available and in       Yes
    Party B       financial statements for each    any event within 120 days (or
                  fiscal year, provided that,      as soon as practicable after
                  with respect to Party A, its     becoming publicly available)
                  Annual Report can be obtained    after the end of each of its
                  at www.citigroup.com, and        fiscal years.
                  shall therefore only be
                  provided upon request.
</Table>

                                       31                          ISDA (R) 1992
<Page>

<Table>
<Caption>
Party required
   to deliver             Form/Document/                 Date by which to            Covered by
    document               Certificate                     Be delivered             Section 3(d)
----------------  -------------------------------  -------------------------------  -------------
<S>               <C>                              <C>                               <C>
(c) Party A and   The party's unaudited            As soon as available and in       Yes
    Party B       consolidated financial           any event within 60 days (or
                  statements, the consolidated     as soon as practicable after
                  balance sheet and related        becoming publicly available)
                  statements of income for each    after the end of each of its
                  fiscal quarter except for the    fiscal quarters except for the
                  fourth quarter when annual       fourth quarter when annual
                  financials are provided. With    financials are provided.
                  respect to Party A, its
                  quarterly financial statement
                  can be obtained at
                  www.citigroup.com, and shall
                  therefore only be provided
                  upon request.

(d) Party A and   A duly executed copy of the B    Upon execution of this            No
    Party         Credit Support Document          Agreement.
                  specified in Part 4(g) of this
                  Schedule.
</Table>

                                       32                          ISDA (R) 1992
<Page>

                                     Part 4

                                  Miscellaneous

              (a)    ADDRESSES FOR NOTICES. For the purpose of Section 12(a) of
this Agreement:

ADDRESS FOR NOTICES OR COMMUNICATIONS TO PARTY A:

Address:      250 West Street
              10th  Floor
              New York, New York  10013

Attention:    Director Derivatives Operations

Facsimile No.: 212-723-2966

(For all purposes)

In addition, in the case of notices or communications relating to Section 5, 6,
11 or 13 of this Agreement, a second copy of any such notice or communication
shall be addressed to the attention of Party A's legal department as follows:

Address:      Legal Department
              77 Water Street
              9th Floor
              New York, New York 10004

Attention:  Department Head

Facsimile No.: 212 657 1452

ADDRESS FOR NOTICES OR COMMUNICATIONS TO PARTY B:

Address:      11301 Nall, Leawood Kansas 66211

Attention:    Vice President and Treasurer

Facsimile No: 913-451-8004

With an additional copy (when the notice involves a Termination Event, Event of
Default, an Amendment to the Schedule, any Confirmation or any Credit Support
Document, or any tax withholding, tax indemnification, service of process or
proposed transfer of Party A) to:

                                       33                          ISDA (R) 1992
<Page>

              Michael W. Lochmann
              Stinson Morrison Hecker LLP
              2600 Grand Boulevard
              Kansas City, Missouri 64108

              Telephone: 816-691-2600
              Facsimile: 816-474-4208

              (b)    EFFECTIVENESS OF NOTICE. Section 12(a) is hereby amended by
deleting the words "facsimile transmission or" in line 3 thereof.

              (c)    PROCESS AGENT. For the purpose of Section 13(c) of this
Agreement:

                     Party B appoints as its Process Agent: NOT APPLICABLE

                     Party A appoints as its Process Agent: NOT APPLICABLE

              (d)    OFFICES. The provisions of Section 10(a) will apply to this
Agreement.

              (e)    MULTIBRANCH PARTY. For the purpose of Section 10(c) of this
Agreement:

                     Party A is a Multibranch Party and may act through any of
              the following offices: New York, London and Tokyo.

                     Party B is not a Multibranch Party.

              (f)    CALCULATION AGENT. The Calculation Agent will be Party A
unless otherwise specified in a Confirmation in reference to the relevant
Transaction; provided, however, in the event Party A is a defaulting party,
Party B shall select an unaffiliated leading dealer in the relevant market to
act as the calculation agent.

              (g)    CREDIT SUPPORT DOCUMENT. With respect to this Agreement,
"Credit Support Document" means the ISDA Credit Support Annex annexed hereto and
dated as of the date hereof between Party A and Party B

              (h)    CREDIT SUPPORT PROVIDER. Not applicable.

              (i)    GOVERNING LAW. This Agreement will be governed by and
construed in accordance with the laws of the State of New York.

              (j)    JURISDICTION. Section 13(b)(i) of the Agreement is hereby
amended by (i) deleting in line 2 thereof the word "non-" and (ii) deleting the
final paragraph thereof. The following shall be added at the end of Section
13(b): "Nothing in this provision shall prohibit a party from bringing an action
to enforce a money judgment in any other jurisdiction."

                                       34                          ISDA (R) 1992
<Page>

              (k)    "AFFILIATE" will have the meaning specified in Section 14
of this Agreement.

              (l)    "NETTING OF PAYMENTS" Either party may notify the other in
writing, not less than one Local Business Day in advance of a Scheduled Payment
Date, that with regard to payments due on that date, subparagraph (ii) of
Section 2(c) of this Agreement will not apply. Except to the extent that such
advance written notice shall have been given, Subparagraph (ii) of Section 2(c)
of this Agreement will apply.

                                       35                          ISDA (R) 1992
<Page>

                                     Part 5

                                Other Provisions

(a) SET-OFF. Section 6 of the Agreement is amended by adding the following new
subsection 6(f):

       (f) In addition to any rights of set-off a party may have as a matter of
       law or otherwise, upon the occurrence of an Event of Default with respect
       to a party ("X") the other party ("Y") will have the right (but will not
       be obliged) without prior notice to X or any other person to set-off any
       obligation of X owing to Y (whether or not arising under this Agreement,
       whether or not matured, whether or not contingent and regardless of the
       currency, place of payment or booking office of the obligation) against
       any obligation of Y owing to X (whether or not arising under this
       Agreement, whether or not matured, whether or not contingent and
       regardless of the currency, place of payment or booking office of the
       obligation).

       For the purpose of cross-currency set-off, Y may convert any obligation
       to another currency at a market rate determined by Y.

       If an obligation is unascertained, Y may in good faith estimate that
       obligation and set-off in respect of the estimate, subject to the
       relevant party accounting to the other when the obligation is
       ascertained.

       Nothing in this provision will be deemed to create a charge or other
       security interest.

              (b)    WAIVER OF RIGHT TO TRIAL BY JURY. EACH PARTY HEREBY
IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT
IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY SUIT, ACTION OR PROCEEDING
RELATING TO THIS AGREEMENT.

              (c)    SEVERABILITY. In the event that any one or more of the
provisions contained in this Agreement should be held invalid, illegal, or
unenforceable in any jurisdiction, the validity, legality and enforceability of
the remaining provisions contained herein shall not in any way be affected or
impaired thereby. The parties shall endeavor, in good faith negotiations, to
replace the invalid, illegal or unenforceable provisions with valid provisions,
the economic effect of which comes as close as possible to that of the invalid,
illegal or unenforceable provisions.

              (d)    NETTING. In the event that any Terminated Transaction
cannot be aggregated and netted against all other Terminated Transactions under
Section 6(e) of the Agreement, such excluded Terminated Transactions shall be
aggregated and netted amongst themselves to the fullest extent permitted by law.

              (e)    ADDITIONAL REPRESENTATIONS. For purposes of Section 3 of
this Agreement, the following shall be added, immediately following paragraph
(f) thereof:

                                       36                          ISDA (R) 1992
<Page>

              "(g)   NO RELIANCE. It is acting for its own account, and it has
              made its own independent decisions to enter into that Transaction
              and as to whether that Transaction is appropriate or proper for it
              based upon its own judgment and upon advice from such advisors as
              it has deemed necessary. It is not relying on any communication
              (written or oral) of the other party as investment advice or as a
              recommendation to enter into that Transaction; it being understood
              that information and explanations related to the terms and
              conditions of a Transaction shall not be considered investment
              advice or a recommendation to enter into that Transaction. It has
              not received from the other party any assurance or guarantee as to
              the expected results of that Transaction.

              (h)    EVALUATION AND UNDERSTANDING. It is capable of evaluating
              and understanding (on its own behalf or through independent
              professional advice), and understands and accepts, the terms,
              conditions and risks of that Transaction. It is also capable of
              assuming, and assumes, the financial and other risks of that
              Transaction.

              (i)    STATUS OF PARTIES. The other party is not acting as a
              fiduciary or an advisor for it in respect of that Transaction.

              (j)    NO AGENCY. It is entering into this Agreement and each
              Transaction as principal and not as agent.

              (k)    RISK MANAGEMENT. Party B alone represents that this
              Agreement has been, and each Transaction hereunder has been or
              will be, as the case may be, entered into for the purpose of
              managing its borrowings or investments, hedging its underlying
              assets or liabilities or in connection with its line of business
              (including financial intermediation services) and not for the
              purpose of speculation.

              (l)    ELIGIBLE CONTRACT PARTICIPANT. (a) It is an "eligible
              contract participant" within the meaning of Section 1(a)(12) of
              the Commodity Exchange Act, as amended (the "CEA"), (b) this
              Agreement and each Transaction is subject to individual
              negotiation by each party, and (c) neither this Agreement nor any
              Transaction will be executed or traded on a "trading facility"
              within the meaning of Section 1a(33) of the CEA.

              (f)    CONFIRMATION PROCEDURES. For each Transaction that Party A
and Party B enter hereunder, Party A shall promptly send to Party B a
Confirmation setting forth the terms of such Transaction. Party B shall execute
and return the Confirmation to Party A or request correction of any error within
five Business Days of receipt. Failure of Party B to respond within such period
shall not affect the validity or enforceability of such Transaction and shall be
deemed to be an affirmation and acceptance of such terms.

              (g)    ESCROW PAYMENTS. If by reason of the time difference
between the cities in which payments are to be made, it is not possible for
simultaneous payments to be made on

                                       37                          ISDA (R) 1992
<Page>

any date on which both parties are required to make payments hereunder, either
party may at is option and in its sole discretion notify the other party that
payments on that date are to be made in escrow. In this case the deposit of the
payment due earlier on that date shall be made by 2:00 p.m. (local time at the
place for the earlier payment) on that date with an escrow agent selected by the
party giving the notice, accompanied by irrevocable payment instructions (i) to
release the deposited payment to the intended recipient upon receipt by the
escrow agent of the required deposit of the corresponding payment from the other
party on the same date accompanied by the irrevocable payment instructions to
the same effect or (ii) if the required deposit of the corresponding payment is
not made on that same date, to return the payment deposited to the party that
paid it into escrow. The party that elects to have payments made in escrow shall
pay the costs of the escrow arrangements and shall cause those arrangements to
provide that the intended recipient of the payment due to be deposited first
shall be entitled to interest on that deposited payment for each day in the
period of its deposit at the rate offered by the escrow agent for that day for
overnight deposits in the relevant currency in the office where it holds that
deposited payment (at 11:00 am. local time on that day) if that payment is not
released by 5:00 p.m. on the date it is deposited for any reason other than the
intended recipients' failure to make the escrow deposit it is required to make
hereunder in a timely fashion.

              (h)    NOTICE OF EVENTS OF DEFAULT. Each party agrees, upon
learning of the occurrence of any event or commencement of any condition that
constitutes (or that with the giving of notice or passage of time or both would
constitute) an Event of Default or Termination Event with respect to such party,
promptly to give the other party notice of such event or condition (or, in lieu
of giving notice of such event or condition in the case of an event or condition
that with the giving of notice or passage of time or both would constitute an
Event of Default or Termination Event with respect to the party, to cause such
event or condition to cease to exist before becoming an Event of Default or
Termination Event).

              (i)    RECORDING OF CONVERSATIONS. Each party hereto consents to
the recording of its telephone conversations pursuant to this Agreement. To the
extent that one party records telephone conversations (the "Recording Party")
and the other party does not (the "Non-Recording Party"), the Recording Party
shall, in the event of any dispute, make a complete and unedited copy of such
party's tape of the entire day's conversations with the Non-Recording Party's
personnel available to the Non-Recording Party. The Recording Party's tapes may
be used by either party in any forum in which a dispute is sought to be resolved
and the Recording Party will retain tapes for a consistent period of time in
accordance with the Recording Party's policy unless one party notifies the other
that a particular transaction is under review and warrants further retention.

              (j)    LIMITATION OF LIABILITY. No party shall be required to pay
or be liable to the other party for any consequential, indirect or punitive
damages, opportunity costs or lost profits (whether or not arising from its
negligence).

              (l)    TERMINATION. At any time when there are no Transactions
outstanding hereunder and no Unpaid Amounts outstanding, either party may give
notice in writing to the other party of the cancellation of this Agreement
effective immediately or at such time as is specified in such notice.

                                       38                          ISDA (R) 1992
<Page>

IN WITNESS WHEREOF the parties have executed this document with effect from the
date specified on the first page of this document.

CITIBANK, N.A.                               GBC FLORIDA, INC.

By:         /s/ Linda R. Cook                By:      /s/ Rick J. Tremblay
   ------------------------------------         --------------------------------

Print Name: Linda Cook                       Print Name:  Rick J. Tremblay

Title:      Vice President                   Title:       Exec VP-CFO
            Citibank, N.A.
            250 West Street/10th Floor
            New York, New York 10013

                                       39                          ISDA (R) 1992<Page>

                                                                   EXHIBIT 10.51

(BILATERAL FORM)                                                  EXECUTION COPY
(ISDA AGREEMENTS SUBJECT TO NEW YORK LAW ONLY)            REFERENCE NO. CB04-920

                                     ISDA(R)

                 International Swaps ivatives Association, Inc.

                              CREDIT SUPPORT ANNEX

                             to the Schedule to the
                              ISDA MASTER AGREEMENT

                                   ----------

                           dated as of August 14, 2002

                                     between

Citibank, N.A.                       and                      GBC Florida, Inc..

     ("Party A")                                                     ("Party B")

This Annex supplements, forms part of, and is subject to, the above-referenced
Agreement, is part of its Schedule and is a Credit Support Document under this
Agreement with respect to each party.

Accordingly, the parties agree as follows: --

PARAGRAPH 1. INTERPRETATION

(a)   DEFINITIONS AND INCONSISTENCY. Capitalized terms not otherwise defined
herein or elsewhere in this Agreement have the meanings specified pursuant to
Paragraph 12, and all references in this Annex to Paragraphs are to Paragraphs
of this Annex. In the event of any inconsistency between this Annex and the
other provisions of this Schedule, this Annex will prevail, and in the event of
any inconsistency between Paragraph 13 and the other provisions of this Annex,
Paragraph 13 will prevail.

(b)   SECURED PARTY AND PLEDGOR. All references in this Annex to the "Secured
Party" will be to either party when acting in that capacity and all
corresponding references to the "Pledgor" will be to the other party when acting
in that capacity; PROVIDED, HOWEVER, that if Other Posted Support is held by a
party to this Annex, all references herein to that party as the Secured Party
with respect to that Other Posted Support will be to that party as the
beneficiary thereof and will

<Page>

not subject that support or that party as the beneficiary thereof to provisions
of law generally relating to security interests and secured parties.

PARAGRAPH 2. SECURITY INTEREST

Each party, as the Pledgor, hereby pledges to the other party, as the Secured
Party, as security for its Obligations, and grants to the Secured Party a first
priority continuing security interest in, lien on and right of Set-off against
all Posted Collateral Transferred to or received by the Secured Party hereunder.
Upon the Transfer by the Secured Party to the Pledgor of Posted Collateral, the
security interest and lien granted hereunder on that Posted Collateral will be
released immediately and, to the extent possible, without any further action by
either party.

PARAGRAPH 3. CREDIT SUPPORT OBLIGATIONS

(a)   DELIVERY AMOUNT. Subject to Paragraphs 4 and 5, upon a demand made by the
Secured Party on or promptly following a Valuation Date, if the Delivery Amount
for that Valuation Date equals or exceeds the Pledgor's Minimum Transfer Amount,
then the Pledgor will Transfer to the Secured Party Eligible Credit Support
having a Value as of the date of Transfer at least equal to the applicable
Delivery Amount (rounded pursuant to Paragraph 13). Unless otherwise specified
in Paragraph 13, the "DELIVERY AMOUNT" applicable to the Pledgor for any
Valuation Date will equal the amount by which:

      (i)   the Credit Support Amount

      exceeds

      (ii) the Value as of that Valuation Date of all Posted Credit Support held
      by the Secured Party.

(b)   RETURN AMOUNT. Subject to Paragraphs 4 and 5, upon a demand made by the
Pledgor on or promptly following a Valuation Date, if the Return Amount for that
Valuation Date equals or exceeds the Secured Party's Minimum Transfer Amount,
then the Secured Party will Transfer to the Pledgor Posted Credit Support
specified by the Pledgor in that demand having a Value as of the date of
Transfer as close as practicable to the applicable Return Amount (rounded
pursuant to Paragraph 13). Unless otherwise specified in Paragraph 13, the
"RETURN AMOUNT" applicable to the Secured Party for any Valuation Date will
equal the amount by which:

      (i) the Value as of that Valuation Date of all Posted Credit Support held
      by the Secured Party

      exceeds

      (ii)  the Credit Support Amount.

"CREDIT SUPPORT AMOUNT" means, unless otherwise specified in Paragraph 13, for
any Valuation Date (i) the Secured Party's Exposure for that Valuation Date plus
(ii) the aggregate of all Independent Amounts applicable to the Pledgor, if any,
minus (iii) all Independent Amounts applicable to the Secured Party, if any,
minus (iv) the Pledgor's Threshold; PROVIDED, HOWEVER,

                                        2
<Page>

that the Credit Support Amount will be deemed to be zero whenever the
calculation of Credit Support Amount yields a number less than zero.

PARAGRAPH 4. CONDITIONS PRECEDENT, TRANSFER TIMING, CALCULATIONS AND
SUBSTITUTIONS

(a)   CONDITIONS PRECEDENT. Each Transfer obligation of the Pledgor under
Paragraphs 3 and 5 and of the Secured Party under Paragraphs 3, 4(d)(ii), 5 and
6(d) is subject to the conditions precedent that:

      (i) no Event of Default, Potential Event of Default or Specified Condition
      has occurred and is continuing with respect to the other party; and

      (ii) no Early Termination Date for which any unsatisfied payment
      obligations exist has occurred or been designated as the result of an
      Event of Default or Specified Condition with respect to the other party.

(b)   TRANSFER TIMING. Subject to Paragraphs 4(a) and 5 and unless otherwise
specified, if a demand for the Transfer of Eligible Credit Support or Posted
Credit Support is made by the Notification Time, then the relevant Transfer will
be made not later than the close of business on the next Local Business Day; if
a demand is made after the Notification Time, then the relevant Transfer will be
made not later than the close of business on the second Local Business Day
thereafter.

(c)   CALCULATIONS. All calculations of Value and Exposure for purposes of
Paragraphs 3 and 6(d) will be made by the Valuation Agent as of the Valuation
Time. The Valuation Agent will notify each party (or the other party, if the
Valuation Agent is a party) of its calculations not later than the Notification
Time on the Local Business Day following the applicable Valuation Date (or in
the case of Paragraph 6(d), following the date of calculation).

(d)   SUBSTITUTIONS.

      (i) Unless otherwise specified in Paragraph 13, upon notice to the Secured
      Party specifying the items of Posted Credit Support to be exchanged, the
      Pledgor may, on any Local Business Day, Transfer to the Secured Party
      substitute Eligible Credit Support (the "Substitute Credit Support"); and

      (ii) subject to Paragraph 4(a), the Secured Party will Transfer to the
      Pledgor the items of Posted Credit Support specified by the Pledgor in its
      notice not later than the Local Business Day following the date on which
      the Secured Party receives the Substitute Credit Support, unless otherwise
      specified in Paragraph 13 (the "Substitution Date"); PROVIDED that the
      Secured Party will only be obligated to Transfer Posted Credit Support
      with a Value as of the date of Transfer of that Posted Credit Support
      equal to the Value as of that date of the Substitute Credit Support.

PARAGRAPH 5. DISPUTE RESOLUTION

If a party (a "Disputing Party") disputes (I) the Valuation Agent's calculation
of a Delivery Amount or a Return Amount or (II) the Value of any Transfer of
Eligible Credit Support or

                                        3
<Page>

Posted Credit Support, then (1) the Disputing Party will notify the other party
and the Valuation Agent (if the Valuation Agent is not the other party) not
later than the close of business on the Local Business Day following (X) the
date that the demand is made under Paragraph 3 in the case of (I) above or (Y)
the date of Transfer in the case of (II) above, (2) subject to Paragraph 4(a),
the appropriate party will Transfer the undisputed amount to the other party not
later than the close of business on the Local Business Day following (X) the
date that the demand is made under Paragraph 3 in the case of (I) above or (Y)
the date of Transfer in the case of (II) above, (3) the parties will consult
with each other in an attempt to resolve the dispute and (4) if they fail to
resolve the dispute by the Resolution Time, then:

      (i)   In the case of a dispute involving a Delivery Amount or Return
      Amount, unless otherwise specified in Paragraph 13, the Valuation Agent
      will recalculate the Exposure and the Value as of the Recalculation Date
      by:

               (A) utilizing any calculations of Exposure for the Transactions
               (or Swap Transactions) that the parties have agreed are not in
               dispute;

               (B) calculating the Exposure for the Transactions (or Swap
               Transactions) in dispute by seeking four actual quotations at
               mid-market from Reference Market-makers for purposes of
               calculating Market Quotation, and taking the arithmetic average
               of those obtained; PROVIDED that if four quotations are not
               available for a particular Transaction (or Swap Transaction),
               then fewer than four quotations may be used for that Transaction
               (or Swap Transaction); and if no quotations are available for a
               particular Transaction (or Swap Transaction), then the Valuation
               Agent's original calculations will be used for that Transaction
               (or Swap Transaction); and

               (C) utilizing the procedures specified in Paragraph 13 for
               calculating the Value, if disputed, of Posted Credit Support.

      (ii)  In the case of a dispute involving the Value of any Transfer of
      Eligible Credit Support or Posted Credit Support, the Valuation Agent will
      recalculate the Value as of the date of Transfer pursuant to Paragraph 13.

Following a recalculation pursuant to this Paragraph, the Valuation Agent will
notify each party (or the other party, if the Valuation Agent is a party) not
later than the Notification Time on the Local Business Day following the
Resolution Time. The appropriate party will, upon demand following that notice
by the Valuation Agent or a resolution pursuant to (3) above and subject to
Paragraphs 4(a) and 4(b), make the appropriate Transfer.

PARAGRAPH 6. HOLDING AND USING POSTED COLLATERAL

(a)   CARE OF POSTED COLLATERAL. Without limiting the Secured Party's rights
under Paragraph 6(c), the Secured Party will exercise reasonable care to assure
the safe custody of all Posted Collateral to the extent required by applicable
law, and in any event the Secured Party will be deemed to have exercised
reasonable care if it exercises at least the same degree of care as it would
exercise with respect to its own property. Except as specified in the preceding
sentence, the Secured Party will have no duty with respect to Posted Collateral,
including, without

                                        4
<Page>

limitation, any duty to collect any Distributions, or enforce or preserve any
rights pertaining thereto.

(b)   ELIGIBILITY TO HOLD POSTED COLLATERAL; CUSTODIANS.

      (i) GENERAL. Subject to the satisfaction of any conditions specified in
      Paragraph 13 for holding Posted Collateral, the Secured Party will be
      entitled to hold Posted Collateral or to appoint an agent (a "Custodian")
      to hold Posted Collateral for the Secured Party. Upon notice by the
      Secured Party to the Pledgor of the appointment of a Custodian, the
      Pledgor's obligations to make any Transfer will be discharged by making
      the Transfer to that Custodian. The holding of Posted Collateral by a
      Custodian will be deemed to be the holding of that Posted Collateral by
      the Secured Party for which the Custodian is acting.

      (ii) FAILURE TO SATISFY CONDITIONS. If the Secured Party or its Custodian
      fails to satisfy any conditions for holding Posted Collateral, then upon a
      demand made by the Pledgor, the Secured Party will, not later than five
      Local Business Days after the demand, Transfer or cause its Custodian to
      Transfer all Posted Collateral held by it to a Custodian that satisfies
      those conditions or to the Secured Party if it satisfies those conditions.

      (iii) LIABILITY. The Secured Party will be liable for the acts or
      omissions of its Custodian to the same extent that the Secured Party would
      be liable hereunder for its own acts or omissions.

(c)   USE OF POSTED COLLATERAL. Unless otherwise specified in Paragraph 13 and
without limiting the rights and obligations of the parties under Paragraphs 3,
4(d)(ii), 5, 6(d) and 8, if the Secured Party is not a Defaulting Party or an
Affected Party with respect to a Specified Condition and no Early Termination
Date has occurred or been designated as the result of an Event of Default or
Specified Condition with respect to the Secured Party, then the Secured Party
will, notwithstanding Section 9-207 of the New York Uniform Commercial Code,
have the right to:

      (i) sell, pledge, rehypothecate, assign, invest, use, commingle or
      otherwise dispose of, or otherwise use in its business any Posted
      Collateral it holds, free from any claim or right of any nature whatsoever
      of the Pledgor, including any equity or right of redemption by the
      Pledgor; and

      (ii) register any Posted Collateral in the name of the Secured Party, its
      Custodian or a nominee for either.

For purposes of the obligation to Transfer Eligible Credit Support or Posted
Credit Support pursuant to Paragraphs 3 and 5 and any rights or remedies
authorized under this Agreement, the Secured Party will be deemed to continue to
hold all Posted Collateral and to receive Distributions made thereon, regardless
of whether the Secured Party has exercised any rights with respect to any Posted
Collateral pursuant to (i) or (ii) above.

(d)   DISTRIBUTIONS AND INTEREST AMOUNT.

                                        5
<Page>

      (i) DISTRIBUTIONS. Subject to Paragraph 4(a), if the Secured Party
      receives or is deemed to receive Distributions on a Local Business Day, it
      will Transfer to the Pledgor not later than the following Local Business
      Day any Distributions it receives or is deemed to receive to the extent
      that a Delivery Amount would not be created or increased by that Transfer,
      as calculated by the Valuation Agent (and the date of calculation will be
      deemed to be a Valuation Date for this purpose).

      (ii) INTEREST AMOUNT. Unless otherwise specified in Paragraph 13 and
      subject to Paragraph 4(a), in lieu of any interest, dividends or other
      amounts paid or deemed to have been paid with respect to Posted Collateral
      in the form of Cash (all of which may be retained by the Secured Party),
      the Secured Party will Transfer to the Pledgor at the times specified in
      Paragraph 13 the Interest Amount to the extent that a Delivery Amount
      would not be created or increased by that Transfer, as calculated by the
      Valuation Agent (and the date of calculation will be deemed to be a
      Valuation Date for this purpose). The Interest Amount or portion thereof
      not Transferred pursuant to this Paragraph will constitute Posted
      Collateral in the form of Cash and will be subject to the security
      interest granted under Paragraph 2.

PARAGRAPH 7. EVENTS OF DEFAULT

For purposes of Section 5(a)(iii)(I) of this Agreement, an Event of Default will
exist with respect to a party if:

      (i) that party fails (or fails to cause its Custodian) to make, when due,
      any Transfer of Eligible Collateral, Posted Collateral or the Interest
      Amount, as applicable, required to be made by it and that failure
      continues for two Local Business Days after notice of that failure is
      given to that party;

      (ii) that party fails to comply with any restriction or prohibition
      specified in this Annex with respect to any of the rights specified in
      Paragraph 6(c) and that failure continues for five Local Business Days
      after notice of that failure is given to that party; or

      (iii) that party fails to comply with or perform any agreement or
      obligation other than those specified in Paragraphs 7(i) and 7(ii) and
      that failure continues for 30 days after notice of that failure is given
      to that party.

PARAGRAPH 8. CERTAIN RIGHTS AND REMEDIES

(a)   SECURED PARTY'S RIGHTS AND REMEDIES. If at any time (1) an Event of
Default or Specified Condition with respect to the Pledgor has occurred and is
continuing or (2) an Early Termination Date has occurred or been designated as
the result of an Event of Default or Specified Condition with respect to the
Pledgor, then, unless the Pledgor has paid in full all of its Obligations that
are then due, the Secured Party may exercise one or more of the following rights
and remedies:

      (i) all rights and remedies available to a secured party under applicable
      law with respect to Posted Collateral held by the Secured Party;

                                        6
<Page>

      (ii) any other rights and remedies available to the Secured Party under
      the terms of Other Posted Support, if any;

      (iii) the right to Set-off any amounts payable by the Pledgor with respect
      to any Obligations against any Posted Collateral or the Cash equivalent of
      any Posted Collateral held by the Secured Party (or any obligation of the
      Secured Party to Transfer that Posted Collateral); and

      (iv) the right to liquidate any Posted Collateral held by the Secured
      Party through one or more public or private sales or other dispositions
      with such notice, if any, as may be required under applicable law, free
      from any claim or right of any nature whatsoever of the Pledgor, including
      any equity or right of redemption by the Pledgor (with the Secured Party
      having the right to purchase any or all of the Posted Collateral to be
      sold) and to apply the proceeds (or the Cash equivalent thereof) from the
      liquidation of the Posted Collateral to any amounts payable by the Pledgor
      with respect to any Obligations in that order as the Secured Party may
      elect.

Each party acknowledges and agrees that Posted Collateral in the form of
securities may decline speedily in value and is of a type customarily sold on a
recognized market, and, accordingly, the Pledgor is not entitled to prior notice
of any sale of that Posted Collateral by the Secured Party, except any notice
that is required under applicable law and cannot be waived.

(b)   PLEDGOR'S RIGHTS AND REMEDIES. If at any time an Early Termination Date
has occurred or been designated as the result of an Event of Default or
Specified Condition with respect to the Secured Party, then (except in the case
of an Early Termination Date relating to less than all Transactions (or Swap
Transactions) where the Secured Party has paid in full all of its obligations
that are then due under Section 6(e) of this Agreement):

      (i) the Pledgor may exercise all rights and remedies available to a
      pledgor under applicable law with respect to Posted Collateral held by the
      Secured Party;

      (ii) the Pledgor may exercise any other rights and remedies available to
      the Pledgor under the terms of Other Posted Support, if any;

      (iii) the Secured Party will be obligated immediately to Transfer all
      Posted Collateral and the Interest Amount to the Pledgor; and

      (iv) to the extent that Posted Collateral or the Interest Amount is not so
      Transferred pursuant to (iii) above, the Pledgor may:

               (A) Set-off any amounts payable by the Pledgor with respect to
               any Obligations against any Posted Collateral or the Cash
               equivalent of any Posted Collateral held by the Secured Party (or
               any obligation of the Secured Party to Transfer that Posted
               Collateral); and

               (B) to the extent that the Pledgor does not Set-off under (iv)(A)
               above, withhold payment of any remaining amounts payable by the
               Pledgor with respect to any

                                        7
<Page>

               Obligations, up to the Value of any remaining Posted Collateral
               held by the Secured Party, until that Posted Collateral is
               Transferred to the Pledgor.

(c)   DEFICIENCIES AND EXCESS PROCEEDS. The Secured Party will Transfer to the
Pledgor any proceeds and Posted Credit Support remaining after liquidation,
Set-off and/or application under Paragraphs 8(a) and 8(b) after satisfaction in
full of all amounts payable by the Pledgor with respect to any Obligations; the
Pledgor in all events will remain liable for any amounts remaining unpaid after
any liquidation, Set-off and/or application under Paragraphs 8(a) and 8(b).

(d)   FINAL RETURNS. When no amounts are or thereafter may become payable by the
Pledgor with respect to any Obligations (except for any potential liability
under Section 2(d) of this Agreement), the Secured Party will Transfer to the
Pledgor all Posted Credit Support and the Interest Amount, if any.

PARAGRAPH 9. REPRESENTATIONS

Each party represents to the other party (which representations will be deemed
to be repeated as of each date on which it, as the Pledgor, Transfers Eligible
Collateral) that:

               (i) it has the power to grant a security interest in and lien on
               any Eligible Collateral it Transfers as the Pledgor and has taken
               all necessary actions to authorize the granting of that security
               interest and lien;

               (ii) it is the sole owner of or otherwise has the right to
               Transfer all Eligible Collateral it Transfers to the Secured
               Party hereunder, free and clear of any security interest, lien,
               encumbrance or other restrictions other than the security
               interest and lien granted under Paragraph 2;

               (iii) upon the Transfer of any Eligible Collateral to the Secured
               Party under the terms of this Annex, the Secured Party will have
               a valid and perfected first priority security interest therein
               (assuming that any central clearing corporation or any
               third-party financial intermediary or other entity not within the
               control of the Pledgor involved in the Transfer of that Eligible
               Collateral gives the notices and takes the action required of it
               under applicable law for perfection of that interest); and

               (iv) the performance by it of its obligations under this Annex
               will not result in the creation of any security interest, lien or
               other encumbrance on any Posted Collateral other than the
               security interest and lien granted under Paragraph 2.

PARAGRAPH 10. EXPENSES

(a)   GENERAL. Except as otherwise provided in Paragraphs 10(b) and 10(c), each
party will pay its own costs and expenses in connection with performing its
obligations under this Annex and neither party will be liable for any costs and
expenses incurred by the other party in connection herewith.

                                        8
<Page>

(b)   POSTED CREDIT SUPPORT. The Pledgor will promptly pay when due all taxes,
assessments or charges of any nature that are imposed with respect to Posted
Credit Support held by the Secured Party upon becoming aware of the same,
regardless of whether any portion of that Posted Credit Support is subsequently
disposed of under Paragraph 6(c), except for those taxes, assessments and
charges that result from the exercise of the Secured Party's rights under
Paragraph 6(c).

(c)   LIQUIDATION/APPLICATION OF POSTED CREDIT SUPPORT. All reasonable costs and
expenses incurred by or on behalf of the Secured Party or the Pledgor in
connection with the liquidation and/or application of any Posted Credit Support
under Paragraph 8 will be payable, on demand and pursuant to the Expenses
Section of this Agreement, by the Defaulting Party or, if there is no Defaulting
Party, equally by the parties.

PARAGRAPH 11. MISCELLANEOUS

(a)   DEFAULT INTEREST. A Secured Party that fails to make, when due, any
Transfer of Posted Collateral or the Interest Amount will be obligated to pay
the Pledgor (to the extent permitted under applicable law) an amount equal to
interest at the Default Rate multiplied by the Value of the items of property
that were required to be Transferred, from (and including) the date that Posted
Collateral or Interest Amount was required to be Transferred to (but excluding)
the date of Transfer of that Posted Collateral or Interest Amount. This interest
will be calculated on the basis of daily compounding and the actual number of
days elapsed.

(b)   FURTHER ASSURANCES. Promptly following a demand made by a party, the other
party will execute, deliver, file and record any financing statement, specific
assignment or other document and take any other action that may be necessary or
desirable and reasonably requested by that party to create, preserve, perfect or
validate any security interest or lien granted under Paragraph 2, to enable that
party to exercise or enforce its rights under this Annex with respect to Posted
Credit Support or an Interest Amount or to effect or document a release of a
security interest on Posted Collateral or an Interest Amount.

(c)   FURTHER PROTECTION. The Pledgor will promptly give notice to the Secured
Party of, and defend against, any suit, action, proceeding or lien that involves
Posted Credit Support Transferred by the Pledgor or that could adversely affect
the security interest and lien granted by it under Paragraph 2, unless that
suit, action, proceeding or lien results from the exercise of the Secured
Party's rights under Paragraph 6(c).

(d)   GOOD FAITH AND COMMERCIALLY REASONABLE MANNER. Performance of all
obligations under this Annex, including, but not limited to, all calculations,
valuations and determinations made by either party, will be made in good faith
and in a commercially reasonable manner.

(e)   DEMANDS AND NOTICES. All demands and notices made by a party under this
Annex will be made as specified in the Notices Section of this Agreement, except
as otherwise provided in Paragraph 13.

(f)   SPECIFICATIONS OF CERTAIN MATTERS. Anything referred to in this Annex as
being specified in Paragraph 13 also may be specified in one or more
Confirmations or other documents and this Annex will be construed accordingly.

                                        9
<Page>

PARAGRAPH 12. DEFINITIONS

As used in this Annex:--

"CASH" means the lawful currency of the United States of America.

"CREDIT SUPPORT AMOUNT" has the meaning specified in Paragraph 3.

"CUSTODIAN" has the meaning specified in Paragraphs 6(b)(i) and 13.

"DELIVERY AMOUNT" has the meaning specified in Paragraph 3(a).

"DISPUTING PARTY" has the meaning specified in Paragraph 5.

"DISTRIBUTIONS" means with respect to Posted Collateral other than Cash, all
principal, interest and other payments and distributions of cash or other
property with respect thereto, regardless of whether the Secured Party has
disposed of that Posted Collateral under Paragraph 6(c). Distributions will not
include any item of property acquired by the Secured Party upon any disposition
or liquidation of Posted Collateral or, with respect to any Posted Collateral in
the form of Cash, any distributions on that collateral, unless otherwise
specified herein.

"ELIGIBLE COLLATERAL" means, with respect to a party, the items, if any,
specified as such for that party in Paragraph 13.

"ELIGIBLE CREDIT SUPPORT" means Eligible Collateral and Other Eligible Support.

"EXPOSURE" means for any Valuation Date or other date for which Exposure is
calculated and subject to Paragraph 5 in the case of a dispute, the amount, if
any, that would be payable to a party that is the Secured Party by the other
party (expressed as a positive number) or by a party that is the Secured Party
to the other party (expressed as a negative number) pursuant to Section
6(e)(ii)(2)(A) of this Agreement as if all Transactions (or Swap Transactions)
were being terminated as of the relevant Valuation Time; PROVIDED that Market
Quotation will be determined by the Valuation Agent using its estimates at
mid-market of the amounts that would be paid for Replacement Transactions (as
that term is defined in the definition of "Market Quotation").

"INDEPENDENT AMOUNT" means, with respect to a party, the amount specified as
such for that party in Paragraph 13; if no amount is specified, zero.

"INTEREST AMOUNT" means, with respect to an Interest Period, the aggregate sum
of the amounts of interest calculated for each day in that Interest Period on
the principal amount of Posted Collateral in the form of Cash held by the
Secured Party on that day, determined by the Secured Party for each such day as
follows:

      (x)   the amount of that Cash on that day; multiplied by

      (y)   the Interest Rate in effect for that day; divided by

      (z)   360.

                                       10
<Page>

"INTEREST PERIOD" means the period from (and including) the last Local Business
Day on which an Interest Amount was Transferred (or, if no Interest Amount has
yet been Transferred, the Local Business Day on which Posted Collateral in the
form of Cash was Transferred to or received by the Secured Party) to (but
excluding) the Local Business Day on which the current Interest Amount is to be
Transferred.

"INTEREST RATE" means the rate specified in Paragraph 13.

"LOCAL BUSINESS DAY", unless otherwise specified in Paragraph 13, has the
meaning specified in the Definitions Section of this Agreement, except that
references to a payment in clause (b) thereof will be deemed to include a
Transfer under this Annex.

"MINIMUM TRANSFER AMOUNT" means, with respect to a party, the amount specified
as such for that party in Paragraph 13; if no amount is specified, zero.

"NOTIFICATION TIME" has the meaning specified in Paragraph 13.

"OBLIGATIONS" means, with respect to a party, all present and future obligations
of that party under this Agreement and any additional obligations specified for
that party in Paragraph 13.

"OTHER ELIGIBLE SUPPORT" means, with respect to a party, the items, if any,
specified as such for that party in Paragraph 13.

"OTHER POSTED SUPPORT" means all Other Eligible Support Transferred to the
Secured Party that remains in effect for the benefit of that Secured Party.

"PLEDGOR" means either party, when that party (i) receives a demand for or is
required to Transfer Eligible Credit Support under Paragraph 3(a) or (ii) has
Transferred Eligible Credit Support under Paragraph 3(a).

"POSTED COLLATERAL" means all Eligible Collateral, other property,
Distributions, and all proceeds thereof that have been Transferred to or
received by the Secured Party under this Annex and not Transferred to the
Pledgor pursuant to Paragraph 3(b), 4(d)(ii) or 6(d)(i) or released by the
Secured Party under Paragraph 8. Any Interest Amount or portion thereof not
Transferred pursuant to Paragraph 6(d)(ii) will constitute Posted Collateral in
the form of Cash.

"POSTED CREDIT SUPPORT" means Posted Collateral and Other Posted Support.

"RECALCULATION DATE" means the Valuation Date that gives rise to the dispute
under Paragraph 5; PROVIDED, HOWEVER, that if a subsequent Valuation Date occurs
under Paragraph 3 prior to the resolution of the dispute, then the
"Recalculation Date" means the most recent Valuation Date under Paragraph 3.

"RESOLUTION TIME" has the meaning specified in Paragraph 13.

"RETURN AMOUNT" has the meaning specified in Paragraph 3(b).

                                       11
<Page>

"SECURED PARTY" means either party, when that party (i) makes a demand for or is
entitled to receive Eligible Credit Support under Paragraph 3(a) or (ii) holds
or is deemed to hold Posted Credit Support.

"SPECIFIED CONDITION" means, with respect to a party, any event specified as
such for that party in Paragraph 13.

"SUBSTITUTE CREDIT SUPPORT" has the meaning specified in Paragraph 4(d)(i).

"SUBSTITUTION DATE" has the meaning specified in Paragraph 4(d)(ii).

"THRESHOLD" means, with respect to a party, the amount specified as such for
that party in Paragraph 13; if no amount is specified, zero.

"TRANSFER" means, with respect to any Eligible Credit Support, Posted Credit
Support or Interest Amount, and in accordance with the instructions of the
Secured Party, Pledgor or Custodian, as applicable:

      (i) in the case of Cash, payment or delivery by wire transfer into one or
      more bank accounts specified by the recipient;

      (ii) in the case of certificated securities that cannot be paid or
      delivered by book-entry, payment or delivery in appropriate physical form
      to the recipient or its account accompanied by any duly executed
      instruments of transfer, assignments in blank, transfer tax stamps and any
      other documents necessary to constitute a legally valid transfer to the
      recipient;

      (iii) in the case of securities that can be paid or delivered by
      book-entry, the giving of written instructions to the relevant depository
      institution or other entity specified by the recipient, together with a
      written copy thereof to the recipient, sufficient if complied with to
      result in a legally effective transfer of the relevant interest to the
      recipient; and

      (iv) in the case of Other Eligible Support or Other Posted Support, as
      specified in Paragraph 13.

"VALUATION AGENT" has the meaning specified in Paragraph 13.

"VALUATION DATE" means each date specified in or otherwise determined pursuant
to Paragraph 13.

"VALUATION PERCENTAGE" means, for any item of Eligible Collateral, the
percentage specified in Paragraph 13.

"VALUATION TIME" has the meaning specified in Paragraph 13.

"VALUE" means for any Valuation Date or other date for which Value is calculated
and subject to Paragraph 5 in the case of a dispute, with respect to:

                                       12
<Page>

      (i) Eligible Collateral or Posted Collateral that is:

               (A) Cash, the amount thereof; and

               (B) a security, the bid price obtained by the Valuation Agent
               multiplied by the applicable Valuation Percentage, if any;

      (ii) Posted Collateral that consists of items that are not specified as
      Eligible Collateral, zero; and

      (iii) Other Eligible Support and Other Posted Support, as specified in
      Paragraph 13.

                                       13
<Page>

                                                                  Execution Copy
                                                         Reference No.  CB04-920

PARAGRAPH 13. ELECTIONS AND VARIABLES

(a)   SECURITY INTEREST FOR "OBLIGATIONS". The term "Obligations" shall have the
meaning set forth in Paragraph 12 and no additional obligations shall apply to
either party.

(b)   CREDIT SUPPORT OBLIGATIONS.

      (i)   DELIVERY AMOUNT, RETURN AMOUNT AND CREDIT SUPPORT AMOUNT; ADDITION
TO PARAGRAPH 3.

               (A) "DELIVERY AMOUNT" has the meaning set forth in Paragraph
3(a).

               (B) "RETURN AMOUNT" has the meaning set forth in Paragraph 3(b).

               (C) "CREDIT SUPPORT AMOUNT" means for any Valuation Date (i) the
Secured Party's Exposure for that Valuation Date plus (ii) the aggregate of all
Independent Amounts applicable to the Pledgor, if any, minus (iii) the Pledgor's
Threshold, if any; provided, however, that (x) in the case where the sum of the
Independent Amounts applicable to the Pledgor exceeds zero, the Credit Support
Amount will not be less than the sum of all Independent Amounts applicable to
the Pledgor and (y) in all other cases, the Credit Support Amount will be deemed
to be zero whenever the calculation of the Credit Support Amount yields an
amount less than zero.

      (ii)  ELIGIBLE COLLATERAL. The items set forth on Schedule I hereto will
qualify as "ELIGIBLE COLLATERAL" for the party specified.

      (iii) OTHER ELIGIBLE SUPPORT. There shall be no "Other Eligible Support"
for either party for purposes of this Annex.

      (iv)  THRESHOLDS.

               (A) "INDEPENDENT AMOUNT" shall mean, with respect to Party A and
               Party B and with regard to any Transaction, none.

               (B) "THRESHOLD" shall mean, with respect to both Party A and
               Party B, zero.

               (C) "MINIMUM TRANSFER AMOUNT" shall mean, USD 100,000.

               (D) ROUNDING. The Delivery Amount and the Return Amount will not
               be rounded.

                                       14
<Page>

(c)   VALUATION AND TIMING.

      (i) "VALUATION AGENT" means, for purposes of Paragraphs 3 and 5, the party
making the demand under Paragraph 3, and, for purposes of Paragraphs 4(d)(ii)
and 6(d), the Secured Party receiving or deemed to receive the Substitute Credit
Support or the Distributions or the Interest Amount, as applicable, provided,
however, that for purposes of calculating the Value of Eligible Credit Support
or Posted Credit Support, Party A shall be the Valuation Agent. Provided
further, that in all cases, if an Event of Default or Potential Event of Default
has occurred and, in the case of a Potential Event of Default, is continuing
with respect to the party designated as the Valuation Agent (or any Credit
Support Provider or Specified Entity of such party), then in such case, upon the
occurrence of such Event of Default or for so long as such Potential Event of
Default continues, the other party will be the Valuation Agent.

      (ii) "VALUATION DATE" means each Local Business Day.

      (iii) "VALUATION TIME" means, with respect to the determination of
Exposure, Value of Eligible Credit Support and Posted Credit Support, the close
of business on the Local Business Day immediately before the Valuation Date or
date of calculation, as applicable, provided that the calculations of Value and
Exposure will be made as of approximately the same time on the same date.

      (iv) "NOTIFICATION TIME" means 10:00 a.m., New York time on a Valuation
Date; provided, however, that, notwithstanding Paragraph 4(b), (x) with regard
to Transfers of Eligible Credit Support or Posted Credit Support in the form of
Cash, if a request for Transfer is made by the Notification Time, then the
relevant Transfer shall be made not later than the close of business on the day
on which such request is received, or, if such day is not a Local Business Day
or, if such request is received after the Notification Time, not later than the
close of business on the next Local Business Day, and (y) with regard to
Transfers of other forms of Eligible Credit Support or Posted Credit Support,
the relevant Transfer shall be made in accordance with Paragraph 4(b).
Notwithstanding anything herein to the contrary, with regard to Transfers of
Independent Amounts, the relevant Transfer shall be made by the close of
business on the second Local Business Day following the Trade Date of the
applicable Transaction.

(d)   CONDITIONS PRECEDENT AND SECURED PARTY'S RIGHTS AND REMEDIES. There shall
be no "Specified Condition" with respect to Party A or Party B.

(e)   SUBSTITUTION. "SUBSTITUTION DATE" has the meaning specified in Paragraph
4(d)(ii).

(f)   DISPUTE RESOLUTION.

      (i) "RESOLUTION TIME" means 1:00 p.m., New York time, on the Local
Business Day following the date on which notice is given that gives rise to a
dispute under Paragraph 5.

      (ii) VALUE. For the purpose of Paragraphs 5(i)(C) and 5(ii), Party A will
determine the Value of Eligible Credit Support or Posted Credit Support
consisting of securities based upon the mid market quotations of any generally
recognized dealer (which may include an affiliate of

                                       15
<Page>

Party A), and adding thereto any interest accrued but not paid to any person
with respect to such securities through the day on which the determination is
made and multiplying the sum by the applicable Valuation Percentage, if any.

      (iii) ALTERNATIVE. The provisions of Paragraph 5 will apply, provided,
however, that in the event of a dispute regarding the Value of securities which
constitute Eligible Credit Support or Posted Credit Support, Party B may submit
mid market quotations from two other recognized dealers in which case the Value
of such securities shall be the mean of the two quotations submitted by Party B.

(g) HOLDING AND USING POSTED COLLATERAL.

      (i) ELIGIBILITY TO HOLD POSTED COLLATERAL; CUSTODIANS. A party or its
Custodian will be entitled to hold Posted Collateral pursuant to Paragraph 6(b)
provided that such party is not a Defaulting Party and is located in the United
States. Initially Party A shall not be using a Custodian and initially the
Custodian for Party B shall be as set forth in a written notice delivered to
Party A to the address and in the manner as set forth in Paragraph (k).

      (ii) USE OF POSTED COLLATERAL. The provisions of Section 6(c) will apply.

(h) DISTRIBUTIONS AND INTEREST AMOUNT.

      (i) INTEREST RATE. The "Interest Rate" will be (i) the overnight ask rate
in effect for such day, as set forth opposite the caption "O/N" under the
heading "USD" on Telerate Page 3750 or any successor page thereto on or about
11:00 a.m., New York time, on such day, (ii) if no successor page is quoted, the
rate in effect for such day, as set forth in H.15 (519) for that day opposite
the caption "Federal Funds (Effective)" and if the rate is not yet published in
H.15(519), the rate for such day will be the rate set forth in Composite 3:30
p.m. Quotations for U.S. Government Securities for that day under the caption
"Federal Funds/Effective Rate." If on any day the appropriate rate for such day
is not published in either H.15 (519) or Composite 3:30 p.m. Quotations for U.S.
Government Securities, the rate for such day will be the arithmetic mean of the
rate for the last transaction in overnight U.S. Dollar Federal funds arranged by
three leading brokers of U.S. Dollar federal funds transactions in New York City
selected by Party A in good faith prior to 9:00 a.m., New York City time on such
day. "H.15(519) means the weekly statistical release designated as such, or any
successor publication, published by the Board of Governors of the Federal
Reserve System. "COMPOSITE 3:30 P.M. QUOTATIONS FOR U.S. GOVERNMENT SECURITIES"
means the daily statistical release designated as such, or any successor
publication, published by the Federal Reserve Bank of New York, or (iii) if such
Federal funds rate is not available, any page agreed by the parties.

      (ii) TRANSFER OF INTEREST AMOUNT. Transfers of the Interest Amount will be
made in arrears on the last Local Business Day of each calendar month and on any
Local Business Day that Posted Collateral in the form of Cash is transferred to
the Pledgor pursuant to Paragraph 3(b).

                                       16
<Page>

      (iii) ALTERNATIVE TO INTEREST AMOUNT. The provisions of Paragraph 6(d)(ii)
will apply, provided, however, that the Interest Amount will compound daily.

(i) ADDITIONAL REPRESENTATIONS.

Pledgor represents to Secured Party (which representation will be deemed to be
repeated as of each date on which it, as the Pledgor, Transfers Eligible
Collateral) that no consent, approval or other authorization of any governmental
authority is required in connection with the Transfer of Eligible Collateral
hereunder and its assets exceed its liabilities.

(j) OTHER ELIGIBLE SUPPORT AND OTHER POSTED SUPPORT.

      (i) "VALUE" with respect to Other Eligible Support and Other Posted
Support shall not be applicable.

      (ii) "TRANSFER" with respect to Other Eligible Support and Other Posted
Support shall not be applicable.

(k) DEMANDS AND NOTICES.

All demands, specifications and notices under this Annex will be made pursuant
to the Notices Section of this Annex, provided, that the address for Party A for
such purposes shall be:

                                   Citibank N.A.
                                   Collateral Management Group
                                   333 West 34th Street, 2nd FL
                                   New York, NY 10001
                                   Telephone no. (212) 615-8589
                                   Facsimile no. (212) 994-0727;

and the address for Party B for such purposes shall be:

                                   GBC Florida, Inc.
                                   11301 Nall,
                                   Leawood, Kansas 66211
                                   Attention: Vice President and Treasurer
                                   Facsimile No: 913-451-8004

(l) OTHER PROVISIONS.

      (i) USE OF POSTED CREDIT SUPPORT. Supplementing the provisions of
Paragraph 6(c), the Secured Party may notify the obligors on any Posted
Collateral to make payment to the Secured Party or its nominee or transferee of
any amounts due thereon and to take control or grant its nominee the right to
take control of any proceeds of any Posted Collateral.

                                       17
<Page>

      (ii) COLLATERAL ACCOUNT; PLACE OF TRANSFERS. Transfers of Eligible Credit
Support by the Pledgor to the Secured Party shall be made for credit to an
account of the Secured Party at such commercial bank in New York City as shall
be designated by the Secured Party.

      (iii) U.S. BANKRUPTCY CODE PROVISIONS. (x) All Transfers of Posted
Collateral hereunder (including the grant of a security interest in Posted
Collateral hereunder) are "transfers" "under" the Agreement within the meaning
of Section 546(g) of the United States Bankruptcy Code; and (y) to the extent
any Transaction constitutes a "forward contract" within the meaning of the
United States Bankruptcy Code, transfers of Posted Collateral under the Annex
are intended to be "margin payments" within the meaning of Section 101(38) of
the United States Bankruptcy Code.

      (iv) NOTICES. Notwithstanding Section 12 of the Agreement, any
communication by a party ("X") to the other party ("Y") requesting the delivery
or return of Eligible Credit Support or Posted Credit Support pursuant to
Section 3 of this Annex may be given orally (including telephonically to the
telephone number of Y set forth in subparagraph (k) above, or any other
telephone number Y may notify X of in writing) during normal business hours in
the city in which Y is located on any Local Business Day to any officer,
employee or agent of Y which identifies himself or herself as being permitted to
receive oral communications on behalf of Y with respect to this Annex. Any such
oral communication will be deemed received and effective when actually received
by any such officer, employee or agent of Y. X shall deliver to Y, within one
Local Business Day following receipt of an oral or written request by Y, a
written confirmation of any such oral communication.

      (v) SECURED PARTY'S RIGHTS AND REMEDIES.

            (a) Supplementing the provisions of Paragraph 8(a), the Pledgor
irrevocably appoints the Secured Party its attorney-in-fact, with full authority
in its place and stead and in its name or otherwise, from time to time in the
Secured Party's discretion, to take any action and to execute any instrument
which the Secured Party may deem necessary or advisable to accomplish the
purposes of this Annex, including without limitation:

            (i) to ask, demand, collect, sue for, recover, compromise, receive
            and give acquittance and receipts for moneys due and to become due
            under or in respect of any Posted Collateral and to perform all
            other acts as fully as though the Secured Party were the absolute
            owner of the Posted Collateral for all purposes,

            (ii) to receive, endorse, and collect any drafts or other
            instruments, documents and chattel paper, in connection with clause
            (i) above, and

            (iii) to file any claims or take any action or institute any
            proceedings which the Secured Party may deem necessary or desirable
            for the collection of any of the Posted Collateral or otherwise to
            enforce the rights of the Secured Party with respect to any Posted
            Collateral.

                                       18
<Page>

            (b) Further supplementing the provisions of Paragraph 8(a) and
13(a), the Secured Party may apply Eligible Credit Support or Posted Credit
Support to pay any amounts due by Pledgor to Secured Party pursuant to this
Agreement.

      (vi) ACTIONS HEREUNDER. Either party may take any actions hereunder,
including liquidation rights, through its Custodian, and, in the case of Party
A, through Salomon Smith Barney Inc. or any successor to either, as agent for
Party A.

      (vii) SUCCESSORS. This Annex and all obligations of any Pledgor hereunder
shall be binding upon the successors and assigns of such Pledgor and shall,
together with the rights and remedies of any Secured Party hereunder, inure to
the benefit of such Secured Party and its respective successors and assigns.

      (viii) NO THIRD PARTY RIGHTS. This Annex has been and is made solely for
the benefit of Party A and Party B and their respective assigns, and no other
person, partnership, association, corporation or other entity shall acquire or
have any right under or by virtue of this Annex.

           IN WITNESS WHEREOF, the parties hereto have executed this Annex as of
the date first above written.

Citibank, N.A.,                               GBC Florida, Inc.

By:         /s/ Linda R. Cook                 By:     /s/ Rick J. Tremblay
   -------------------------------------         ------------------------------
     Name:  Linda Cook                                Name:  Rick J. Tremblay
     Title: Vice President                            Title: Exec VP-CFO
            Citibank, N.A.
            250 West Street/10th Floor
            New York, New York 10013

                                       19
<Page>

                                   Schedule I

<Table>
<Caption>
                                                                                                   Valuation
                                                                     Party A         Party B       Percentage
                                                                  ----------------------------------------------
<S>                                                                    <C>             <C>           <C>
(A)  Cash                                                              /X/             /X/           [100%]

(B) (x) Negotiable debt obligations issued by the U.S.
Treasury Department or the Government National Mortgage
Association ("Ginnie Mae"), or (y) mortgage backed
securities issued by Ginnie Mae (but with respect to either
(x) or (y) excluding interest only or principal only
stripped securities, securities representing residual
interests in mortgage pools, or securities that are not
listed on a national securities exchange or regularly quoted
in a national quotation service) and in each case having a
remaining maturity of:

(i)    less than one year                                              /X/             /X/           [100%]

(ii)   one year or greater but less than 10 years                      /X/             /X/            [98%]

(iii)  10 years or greater                                             /X/             /X/            [95%]

(C)  (x) Negotiable debt obligations issued by the Federal             /X/             /X/            [95%]
Home Loan Mortgage Association ("Freddie Mac") or the
Federal National Mortgage Association ("Fannie Mae") or (y)
mortgage-backed securities issued by Freddie Mac or Fannie
Mae but  excluding interest only or principal only stripped
securities, securities representing residual interests in
mortgage pools, or securities that are not listed on a
national securities exchange or regularly quoted in a
national quotation service.

(D)  Any other collateral agreed by the Secured Party and              /X/             /X/             [*]
the Pledgor
</Table>

*/ The Valuation Percentage shall be determined by the Pledgor and Secured
Party.

   Copyright(C) 1994 by International Swaps and Derivatives Association, Inc.

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