Document:

Credit Agreement

 EXHIBIT 10.1 
  
 SCHEDULE A 
 to EXHIBIT 10.1 
 Pursuant to Rule 12b-31 under the Securities Exchange Act of 1934 
  
 The below listed banking institutions are parties to agreements with the Company that are
substantially identical in all material respects to the Revolving Credit Agreement (5 Year Facility), dated August 23, 2002, as amended by Amendment No.1 to Revolving Credit Agreement (5 Year Facility), dated August 22, 2003, and Amendment No. 2 to
Revolving Credit Agreement (5 Year Facility), dated August 27, 2004, except for the provisions listed below: 
  

								
	 Banking Institutions Name

	  	Revolving Credit Commitment

	  	 Choice of Law

	 1.
	 	Arvest Bank	  	$	15,000,000	  	Missouri
	 2.
	 	Bank of America, N.A.1	  	$	22,500,000	  	New York
	 3.
	 	Barclays Bank PLC	  	$	22,500,000	  	New York
	 4.
	 	J P Morgan Chase Bank	  	$	45,000,000	  	New York
	 5.
	 	LaSalle Bank, N.A.2	  	$	22,500,000	  	New York
	 6.
	 	SunTrust Bank	  	$	30,000,000	  	New York
	 7.
	 	The Bank of New York	  	$	22,500,000	  	New York
	 8.
	 	Toronto Dominion (Texas), Inc.	  	$	22,500,000	  	New York
	 9.
	 	UMB Bank, N.A.	  	$	27,000,000	  	Missouri
	 10.
	 	U.S. Bank, N.A.	  	$	45,000,000	  	Missouri
	 11.
	 	Wachovia Bank, N.A.	  	$	45,000,000	  	New York
	 12.
	 	Wells Fargo Bank, N.A.	  	$	22,500,000	  	New York

	1	On August 27, 2004, Bank of America entered into a Revolving Credit Agreement (5 Year Facility) with the Company that incorporated all of the terms and conditions of
the Revolving Credit Agreement (5 Year Facility), dated August 23, 2002, as amended by Amendment No. 1 to Revolving Credit Agreement (5 Year Facility), dated August 22, 2003 and Amendment No. 2 to Revolving Credit Agreement (5 Year Facility), dated
August 27, 2004. 

	2	On September 2, 2003, LaSalle Bank entered into a Revolving Credit Agreement (5 Year Facility) with the Company that incorporated all of the terms and conditions of the Revolving
Credit Agreement (5 Year Facility), dated August 23, 2002, as amended by Amendment No. 1 to Revolving Credit Agreement (5 Year Facility), dated August 22, 2003. The bank and the Company entered into Amendment No. 1 to Revolving Credit Agreement (5
Year Facility) on August 27, 2004 which is substantially identical in all material respects to Amendment No. 2 to Revolving Credit Agreement (5 Year Facility) which is attached to this Exhibit 10.1. 

 REVOLVING CREDIT AGREEMENT 
 (5-Year Facility) 
  
 TABLE OF CONTENTS 
  

					
	SECTION 1. DEFINITIONS.
	  1.1	 	 Definitions
	  	1
	 	 	364-Day Agreement	  	1
	 	 	ABR Loan	  	1
	 	 	Adjusted CD Rate	  	1
	 	 	Adj. CDR	  	1
	 	 	Av. CDR	  	1
	 	 	RR	  	1
	 	 	AR	  	2
	 	 	Agreement	  	2
	 	 	Alternate Base Rate	  	2
	 	 	Applicable Rate	  	2
	 	 	Bank	  	3
	 	 	Base Rate	  	3
	 	 	Business Day	  	3
	 	 	CD Interest Period	  	3
	 	 	CD Loan	  	3
	 	 	Capitalized Lease	  	3
	 	 	Code	  	3
	 	 	Company	  	3
	 	 	Comparable Agreement	  	3
	 	 	Consolidated Current Liabilities	  	3
	 	 	Consolidated Net Income	  	4
	 	 	Consolidated Total Assets	  	4
	 	 	Controlled Group	  	4
	 	 	Elected Interest Period	  	4
	 	 	Elected Interest Rate	  	4
	 	 	Environmental Judgments and Orders	  	4
	 	 	Environmental Liabilities	  	4
	 	 	Environmental Requirements	  	5
	 	 	ERISA	  	5
	 	 	Eurodollar Interest Period	  	5
	 	 	Eurodollar Loan	  	5
	 	 	Events of Default	  	5
	 	 	Federal Funds Effective Rate	  	5
	 	 	Funded Debt	  	5
	 	 	GAAP	  	5
	 	 	Hazardous Materials	  	5
	 	 	Indebtedness	  	6
	 	 	Index Debt	  	6
	 	 	LIBO Rate	  	6
	 	 	Liens	  	6
	 	 	Loan	  	6
	 	 	Loan Papers	  	7
	 	 	Margin Stock	  	7

					
	 	 	Material Adverse Effect	  	7
	 	 	Maximum Rate	  	7
	 	 	Money Market Interest Period	  	7
	 	 	Money Market Loan	  	7
	 	 	Money Market Rate	  	7
	 	 	Moody’s	  	7
	 	 	Multiemployer Plan	  	7
	 	 	Net Worth	  	7
	 	 	Note	  	7
	 	 	Notice of Borrowing	  	7
	 	 	PBGC	  	7
	 	 	Person	  	7
	 	 	Plan	  	7
	 	 	Regulation T	  	8
	 	 	Regulation U	  	8
	 	 	Regulation X	  	8
	 	 	Rentals	  	8
	 	 	Revolving Credit Commitment	  	8
	 	 	S&P	  	8
	 	 	Secured Debt	  	8
	 	 	Short-Term Debt	  	8
	 	 	Subsidiary	  	8
	 	 	Synthetic Lease Obligation	  	8
	 	 	Termination Date	  	8
	 	 	Total Capital	  	9
	 	 	Total Indebtedness	  	9
	 	 	Unmatured Event of Default	  	9
	 	 	Unrestricted Subsidiary	  	9
	  1.2	 	 Acounting Terms and Definitions
	  	9
	SECTION 2. REPRESENTATIONS	  	10
	2.1	 	 Representations
	  	10
	SECTION 3. REVOLVING CREDIT	  	12
	3.1	 	 Description of Revolving Credit
	  	12
	3.2	 	 Voluntary Prepayments
	  	13
	3.3	 	 Provisions Applying to Loans Under Certain Circumstances
	  	13
	3.4	 	 Fees
	  	16
	3.5	 	 Reduction of the Revolving Credit Commitment
	  	16
	SECTION 4. MANNER OF BORROWING	  	17
	4.1	 	 Borrowing Procedure
	  	17
	4.2	 	 Expiration of Elected Interest Periods
	  	17
	SECTION 5. PAYMENTS	  	17
	5.1	 	 Payments
	  	17
	SECTION 6. CONDITIONS OF LENDING	  	17
	6.1	 	 Initial Loan
	  	17
	6.2	 	 Each Loan
	  	18
	SECTION 7. COMPANY COVENANTS	  	18
	7.1	 	 Corporate Existence
	  	18
	7.2	 	 Insurance
	  	19
	7.3	 	 Taxes, Claims for Labor and Materials; Compliance with Laws
	  	19
	7.4	 	 Maintenance, Etc
	  	19
	7.5	 	 Character of Business
	  	19
	7.6	 	 Financial Information and Reports
	  	20
	7.7	 	 Litigation
	  	21
	7.8	 	 Inspection of Properties and Records
	  	21
	7.9	 	 Restriction on Funded Debt and Short-Term Debt
	  	21

					
	  7.10	 	 Mortgages and Liens
	  	22
	7.11	 	 Merger; Sale of Assets
	  	22
	7.12	 	 Multiemployer Plans
	  	23
	7.13	 	 Other Agreements
	  	23
	7.14	 	 Ratio of Total Indebtedness to Total Capital
	  	23
	SECTION 8. EVENTS OF DEFAULT AND REMEDIES THEREFOR	  	23
	8.1  	 	 Events of Default
	  	23
	8.2  	 	 Waivers, Etc
	  	25
	SECTION 9. NOTICES	  	25
	9.1  	 	 Notices
	  	25
	SECTION 10. MISCELLANEOUS	  	26
	10.1  	 	 Waivers, Etc
	  	26
	10.2  	 	 Expenses and Indemnification
	  	26
	10.3  	 	 Agreement of Non-U.S. Bank
	  	26
	10.4  	 	 Successors and Assigns; Survival of Representations
	  	27
	10.5  	 	 Assignments and Participations
	  	27
	10.6  	 	 Governing Law
	  	27
	10.7  	 	 Exhibits
	  	27
	10.8  	 	 Waiver of Jury Trial
	  	27
	10.9  	 	 Integration; Amendment and Waiver
	  	28
	10.10.	 	 Oral Agreements
	  	28

 REVOLVING CREDIT AGREEMENT 
 (5-Year Facility) 
  
 REVOLVING CREDIT AGREEMENT (5-Year Facility) dated as of August 23, 2002 between LEGGETT & PLATT, INCORPORATED, a Missouri corporation, having its principal office at No. 1 Leggett Road, Carthage, Missouri 64836
(the “Company”) and                     , having its principal office at
                                        ,
(the “Bank”). 
  
 The Company has asked the Bank to
extend a revolving credit facility to the Company for the Company’s lawful corporate purposes, and the Bank is prepared to extend such credit upon the terms hereof. Accordingly, the parties agree as follows: 
  
 SECTION 1. DEFINITIONS. 
  
 1.1 Definitions. The terms hereinafter set forth when used herein shall have the following meanings: 
  
 “364-Day Agreement” means that certain Revolving Credit
Agreement (364-Day Facility) dated as of the date hereof between the Borrower and the Bank, as from time to time amended, restated or modified. 
  
 “ABR Loan” shall have the meaning as set forth under the definition of Loan. 
  
 “Adjusted CD Rate” shall mean, with respect to each CD
Interest Period, on any day thereof an interest rate per annum (rounded upward, if necessary, to the nearest 1/100 of 1%) determined under the following formula: 
  

	
	Adj. CDR = (Av. CDR) + AR + LIBO Spread%.
	(1.00-RR)

  
 For
purposes of this definition: 
  
 “Adj.
CDR” means Adjusted CD Rate. 
  
 “Av. CDR” (Average CD Rate) means, for each CD Interest Period, the average of the per annum interest rates (rounded upward, if necessary, to the nearest 1/100 of 1%) quoted to Bank, on or about 10:00 a.m. (New York time)
on the first Business Day of the applicable CD Interest Period by three negotiable certificate of deposit dealers of recognized standing located in the United States selected by Bank, for the purchase of negotiable certificates of deposit (at face
value) of Bank, with maturities comparable to the applicable CD Interest Period and for an amount comparable to the CD Loan to be made to the Company hereunder for such CD Interest Period. 
  
 “RR” (Reserve Requirement) means, with
respect to each CD Interest Period, on any day thereof that percentage (expressed as a decimal to four decimal places) which is in effect on such day, as provided by the Board of Governors of the Federal Reserve System (or any successor governmental
body) for determining the reserve requirement (including without limitation, basic, supplemental, marginal and 
  

 1 

 emergency reserves) under Regulation D applicable to the class of banks of which Bank is a member on
deposits of the type used as a reference in determining the Average CD Rate and having a maturity approximately equal to such CD Interest Period. 
  
 “AR” (Assessment Rate) means with respect to each CD Interest Period, on any day thereof the net assessment rate (rounded
upwards if necessary, to the nearest 1/100 of 1%) which is in effect on such day (under the regulations of the Federal Deposit Insurance Corporation or any successor) for determining the assessments paid by Bank to the Federal Deposit Insurance
Corporation (or any successor) for insuring time deposits made in dollars at Bank’s principal office. 
  
 Each determination of the Adjusted CD Rate by the Bank shall be conclusive and binding upon the Company, in the absence of demonstrable error. The Bank shall, upon written request of the Company, deliver to the
Company a statement showing the computation used by the Bank in determining any applicable Adjusted CD Rate hereunder. 
  
 “Agreement” shall mean this Revolving Credit Agreement, as it may be amended or modified from time to time. 
  
 “Alternate Base Rate” shall mean, for any day, a rate per
annum equal to the greater of (A) the Base Rate in effect on such day or (B) the Federal Funds Effective Rate in effect on such day plus 1⁄2 of 1%. Any change in the Alternate Base Rate due to a change in the Base Rate or the Federal Funds
Effective Rate shall be effective from and including the effective date of such change in the Base Rate or the Federal Funds Effective Rate, respectively. 
  
 “Applicable Rate” means, for any day, with respect to any Loan, with respect to the facility fees payable hereunder, and with respect to
the utilization fees, if any, payable hereunder, as the case may be, the applicable rate per annum set forth below under the caption “LIBO Spread” (“LIBO Spread”), “Facility Fee Rate” or “Utilization Fee
Rate”, as the case may be, based upon the higher of the ratings by S&P and Moody’s, respectively, applicable on such date to the Index Debt. 
  

										
	 Index Debt Ratings
 S&P/Moody’s

	  	 LIBO
 Spread

	 	 	 Facility Fee
 Rate

	 	 	Utilization
Fee Rate

	 
	 Level 1
 A or A2 or above
	  	0.32	%	 	0.08	%	 	0.15	%
	 Level 2
 A- or A3
	  	0.40	%	 	0.10	%	 	0.20	%
	 Level 3
 BBB+ or Baa1
	  	0.50	%	 	0.15	%	 	0.25	%
	 Level 4
 BBB or Baa2
	  	0.575	%	 	0.20	%	 	0.30	%
	 Level 5
 Lower than
 BBB and Baa2, or unrated
	  	0.725	%	 	0.25	%	 	0.35	%

  
 For purposes of the foregoing, if the
ratings established or deemed to have been established by Moody’s and S&P for the Index Debt shall be changed (other than as a result of a change in the 
  

 2 

 rating system of Moody’s or S&P), such change shall be effective as of the date on which it is first announced
by the applicable rating agency. Each change in the Applicable Rate shall apply during the period commencing on the effective date of such change and ending on the date immediately preceding the effective date of the next such change. If the rating
system of Moody’s or S&P shall change, or if either such rating agency shall cease to be in the business of rating corporate debt obligations, the Company and the Bank shall negotiate in good faith to amend this definition to reflect such
changed rating system or the unavailability of ratings from such rating agency and, pending the effectiveness of any such amendment, the Applicable Rate shall be determined by reference to the rating most recently in effect prior to such change or
cessation. 
  
 “Bank” shall mean
                    . 
  
 “Base Rate” shall mean a rate per annum equal to the corporate base rate of interest announced by the Bank from time to time, changing
when and as said corporate base rate changes. 
  
 “Business Day” shall mean a day of the year (other than a Saturday or Sunday) on which Bank is open for business, and, if the LIBO Rate is relevant, on which dealings in foreign currencies and exchange between banks may be
carried on in London, England and New York, New York. 
  
 “CD Interest Period” shall have the meaning as set forth under the definition of “Elected Interest Period”. 
  
 “CD Loan” shall have the meaning as set forth under the definition of “Loan”. 
  
 “Capitalized Lease” shall mean any lease of real or personal
property the obligation for Rentals with respect to which is, or is required to be, capitalized for financial reporting purposes under Generally Accepted Accounting Principles, provided that there shall be excluded from Capitalized Leases all leases
of automotive equipment and other rolling stock and of office equipment. 
  
 “Code” means the Internal Revenue Code of 1986, as amended, or any successor Federal tax code. Any reference to any provision of the Code shall also include the income tax regulations promulgated
thereunder, whether final or temporary. 
  
 “Company” shall mean Leggett & Platt, Incorporated, a Missouri corporation. 
  
 “Comparable Agreement” shall mean any revolving credit agreement comparable in purposes to this Agreement between Company or a
Subsidiary, and an institutional lender, other than Bank. 
  
 “Consolidated Current Liabilities” shall mean such liabilities of the Company and its Subsidiaries on a consolidated basis as shall be determined to constitute current liabilities under Generally Accepted Accounting
Principles. 
  

 3 

 “Consolidated Net Income” for any period shall mean the balance remaining after
deducting from gross revenues of the Company and its Subsidiaries (including equity in earnings of Unrestricted Subsidiaries) all expenses, reserves, income taxes, and other proper charges (including equity in losses of Unrestricted Subsidiaries),
all determined on a consolidated basis, but excluding in any event (i) any profits or losses net of tax effect on the sale or other disposition, not in the ordinary course of business, of investments or fixed or capital assets, (ii) the proceeds
from life insurance policies, and (iii) earnings of any Subsidiary prior to its becoming a Subsidiary and earnings of any corporation (other than a Subsidiary) prior to its merger into or consolidation with the Company. 
  
 “Consolidated Total Assets” for any period shall mean the
gross book value of the assets of the Company and its Subsidiaries determined on a consolidated basis in accordance with Generally Accepted Accounting Principles. 
  
 “Controlled Group” means all members of a controlled group of corporations and all trades or businesses
(whether or not incorporated) under common control which, together with the Company, are treated as a single employer under Section 414 of the Code. 
  
 “Elected Interest Period” shall mean (i) as to any Eurodollar Loan the period of 1 month, 2 months, 3 months, or 6 months duration, as
elected by the Company, commencing on the date such Eurodollar Loan shall have been made, (ii) as to any CD Loan the period of 30, 60, 90 or 180 days duration, as elected by the Company, commencing on the date such CD Loan shall have been made and
(iii) as to any Money Market Loan the period from 1 to 180 days, as elected by the Company, commencing on the date such Money Market Loan shall have been made. Notwithstanding the foregoing, (i) if any Elected Interest Period would end on a day
which would not be a Business Day such Elected Interest Period shall be extended to the next succeeding Business Day; provided that in the case of any Elected Interest Period for a Eurodollar Loan, if such extension would cause the last day of such
Elected Interest Period to fall in the next following calendar month, the last day of such Elected Interest Period shall occur on the next preceding Business Day, and (ii) no Elected Interest Period which commences before the Termination Date shall
end later than the Termination Date. Each Elected Interest Period for a Eurodollar Loan, a CD Loan and a Money Market Loan is herein called a “Eurodollar Interest Period”, a “CD Interest Period” and a “Money
Market Interest Period,” respectively. No Elected Interest Period need be specified by the Company for any ABR Loan. 
  
 “Elected Interest Rate” shall mean, as of the date of determination thereof, one of the following interest rates, as elected by the
Company pursuant to the terms and conditions hereof: (i) the Alternate Base Rate, (ii) the LIBO Rate, (iii) the Adjusted CD Rate, or (iv) the Money Market Rate. 
  

“Environmental Judgments and Orders” means all judgments, decrees or orders entered against the Company or one of its Subsidiaries
arising from or in any way associated with any Environmental Requirements, whether or not entered upon consent. 
  
 “Environmental Liabilities” means any liabilities, whether accrued, contingent or otherwise, arising from any Environmental Requirements.

  

 4 

 “Environmental Requirements” means any legal requirement relating to health, safety or
the environment and applicable to the Company, any Subsidiary or any of their respective real property interests, including but not limited to any such requirement under CERCLA or similar state legislation and all federal, state and local laws,
ordinances, regulations, orders, writs and decrees. 
  
 “ERISA” means the Employee Retirement Income Security Act of 1974, as amended from time to time, or any successor law, and all rules and regulations from time to time promulgated thereunder. Any reference to any provision
of ERISA shall also be deemed to be a reference to any successor provision or provisions thereof. 
  
 “Eurodollar Interest Period” shall have the meaning as set forth under the definition of “Elected Interest Period”. 

 
 “Eurodollar Loan” shall have the meaning as set forth
under the definition of “Loan”. 
  
 “Events of
Default” shall have the meaning as provided in Section 8.1. 
  
 “Federal Funds Effective Rate” means, for any day, the weighted average (rounded upwards, if necessary, to the next 1/100 of 1%) of the rates on overnight Federal funds transactions with members of the Federal Reserve
System arranged by Federal funds brokers, as published on the next succeeding Business Day by the Federal Reserve Bank of New York, or, if such rate is not so published for any day that is a Business Day, the average (rounded upwards, if necessary,
to the next 1/100 of 1%) of the quotations for such day for such transactions received by the Bank from three Federal funds brokers of recognized standing reasonably selected by it. 
  
 “Funded Debt” shall mean (i) all Indebtedness having a final maturity of more than 12 months from the date
of determination thereof (or which is renewable or extendable at the option of the obligor for a period or periods more than 12 months from the date of creation), including (without limitation) all guaranties included within the definition of
Indebtedness extending more than 12 months from the date of such guaranties and (ii) Capitalized Leases, but excluding in each case, any portion thereof which is properly included in Consolidated Current Liabilities. 
  
 “GAAP” or “Generally Accepted Accounting
Principles” means generally accepted accounting principles in the United States of America, applied in accordance with the provisions of Section 1.2. 
  

“Hazardous Materials” includes, without limitation, (a) hazardous waste, as defined in the Resource Conservation and Recovery Act of
1980, 42 U.S.C. §6901 et seq. and its implementing regulations, and amendments, or in any applicable state or local law or regulation, (b) “hazardous substance”, “pollutant”, or “contaminant” as defined in CERCLA,
or in any applicable state or local law or regulation, (c) gasoline, or any other petroleum product or by-product, including, crude oil or any fraction thereof and (d) toxic substances, as defined in the Toxic Substances Control Act of 1976, or in
any applicable state or local law or regulation, as each such Act, statute or regulation may be amended from time to time. 
  

 5 

 “Indebtedness” of any corporation or other business entity shall include, without
duplication, all obligations of such entity which consists of (i) debt for borrowed money, (ii) obligations secured by any lien or other charge upon property or assets owned by such entity, even though such entity has not assumed or become liable
for the payment of such obligations, (iii) obligations created or arising under any conditional sale or other title retention agreement with respect to property acquired by such entity, (vi) obligations arising under or in connection with any letter
of credit, including all undrawn amounts and all amounts drawn and not reimbursed under any letter of credit, (v) Synthetic Lease Obligations, (vi) all guarantees of obligations of others made by the Company and/or Subsidiaries, or (vii) obligations
under Capitalized Leases. “Guaranty” for purposes of this Agreement refers to all forms of undertaking to guarantee the obligations of others, by way of guaranty, suretyship or otherwise. Notwithstanding the foregoing, Indebtedness shall
not include (i) money borrowed by Subsidiaries from the Company or from other Subsidiaries, (ii) money borrowed by the Company from Subsidiaries, (iii) a guaranty by the Company or a Subsidiary, if, in connection with the giving of the guaranty by
the Company or Subsidiary, Indebtedness is placed on the Company’s balance sheet as a result of transactions with respect to which the guaranty was given, (iv) trade accounts payable and expenses arising out of or incurred in the ordinary
course of business, or (v) fair value adjustments required by Statement of Financial Accounting Standards No. 133, “Accounting for Derivative Instruments and Hedging Activities”, as amended from time to time. 
  
 “Index Debt” means senior, unsecured indebtedness for
borrowed money of the Company that is not guaranteed by any other Person or subject to any other credit enhancement. 
  
 “LIBO Rate” shall mean (for each Eurodollar Interest Period) an interest rate per annum equal to the Bank’s Interbank Rate plus the
Applicable Rate. The Interbank Rate for each Eurodollar Interest Period shall be the per annum interest rate at which deposits in U.S. Dollars having the index maturity specified on page 3750 of the Dow Jones Market Service (or on any successor or
substitute page of such Service, or any successor to or substitute for such Service, providing rate quotations comparable to those currently provided on such page of such Service) are offered in the London interbank Eurodollar market for a period
equal to the Eurodollar Interest Period and in an amount equal to the loan to be made to the Company hereunder for such Eurodollar Interest Period. The Interbank Rate for each Eurodollar Interest Period shall (i) be determined as of 11:00 A.M.
(London time) two Business Days prior to the first day of such Eurodollar Interest Period and (ii) shall be rounded upward, if necessary, to the nearest 1/100th of 1%. 
  
 “Liens” shall have the meaning as provided in Section 7.10. 
  
 “Loan” or “loan” shall mean each loan made
hereunder where interest is based on the Alternate Base Rate (an “ABR Loan”), the Adjusted CD Rate (a “CD Loan”), the LIBO Rate (a “Eurodollar Loan”) or the Money Market Rate (a “Money
Market Loan”). 
  

 6 

 “Loan Papers” shall mean this Agreement, the Notes, and all other documents and
instruments now or hereafter executed in connection herewith or therewith or in relation hereto or thereto. 
  
 “Margin Stock” means “margin stock” as defined in Regulations T, U or X. 
  
 “Material Adverse Effect” means a material adverse effect
on: (i) the business operations, affairs, financial condition, assets or properties of the Company and its Subsidiaries taken as a whole; (ii) the ability of the Company to perform its obligations under the Loan Papers; or (iii) the legality,
validity or enforceability of the Loan Papers. 
  
 “Maximum Rate” shall have the meaning as provided in Section 3.1. 
  
 “Money Market Interest Period” shall have the meaning set forth under the definition of “Elected Interest Period.” 
  
 “Money Market Loan” shall have the meaning set forth under the definition of “Loan.” 

 
 “Money Market Rate” shall mean such fixed interest rate
as is mutually agreed upon by Bank and the Company for the appropriate Elected Interest Period. 
  
 “Moody’s” means Moody’s Investors Services, Inc. 
  
 “Multiemployer Plan” shall have the meaning set forth in Section 4001(a)(3) of ERISA. 
  
 “Net Worth” shall have the meaning as provided in Section
8.1(g). 
  
 “Note” shall mean that certain
promissory note evidencing Loans under Section 3. 
  
 “Notice of Borrowing” shall have the meaning as provided in Section 4.1. 
  
 “PBGC” means the Pension Benefit Guaranty Corporation or any entity succeeding to any or all of its functions under ERISA. 
  
 “Person” means an individual, a corporation, a partnership,
a limited liability company, an unincorporated association, a trust or any other entity or organization, including, but not limited to, a government or political subdivision or an agency or instrumentality thereof. 
  
 “Plan” means at any time an employee pension benefit plan
which is covered by Title IV of ERISA or subject to the minimum funding standards under Section 412 of the Code and is either (i) maintained by a member of the Controlled Group for employees of any member of the Controlled Group or (ii) maintained
pursuant to a collective bargaining agreement or any other arrangement under which more than one employer makes contributions and to which a member of the Controlled Group is then making or accruing an obligation to make contributions or has within
the preceding 5 plan years made contributions. 
  

 7 

 “Regulation T” means Regulation T of the Board of Governors of the Federal Reserve
System, as in effect from time to time, together with all official rulings and interpretations issued thereunder. 
  
 “Regulation U” means Regulation U of the Board of Governors of the Federal Reserve System, as in effect from time to time, together with
all official rulings and interpretations issued thereunder. 
  
 “Regulation X” means Regulation X of the Board of Governors of the Federal Reserve System, as in effect from time to time, together with all official rulings and interpretations issued thereunder. 
  
 “Rentals” shall mean all fixed rents payable by the lessee
for the applicable period exclusive of any amounts required to be paid on account of maintenance, repairs, insurance, taxes, and similar charges. The term “Rentals” shall not include Rentals payable under leases between the Company and any
Subsidiary or between any Subsidiaries. 
  
 “Revolving
Credit Commitment” shall have the meaning as provided in Section 3.1. 
  
 “S&P” means Standard & Poor’s Ratings Group, a division of McGraw-Hill, Inc. 
  
 “Secured Debt” shall mean all (a) Funded Debt and Short Term Debt secured by a mortgage, security interest, pledge, or other lien on
property or assets or by any title retention agreement, (b) all Funded Debt in respect of Capitalized Leases, and (c) the aggregate amount of uncollected accounts receivable of Company subject at such time to a sale of receivables (or similar
transaction) regardless of whether such transaction is effected in a manner that would not be reflected on the balance sheet of Company in accordance with GAAP. 
  

“Short-Term Debt” shall mean: (i) Indebtedness of the Company and its Subsidiaries for money borrowed from banks, trust companies and
others having a maturity of not more than one year from the date of origin and not extendable or renewable at the option of the obligor; and (ii) guaranties which constitute Indebtedness but not Funded Debt. 
  
 “Subsidiary” shall mean any corporation, partnership or
other business entity, 80% or more of the outstanding stock of which, or ownership interest in, is owned by the Company, a Subsidiary, the Company and one or more other Subsidiaries or another Subsidiary together with one or more other Subsidiaries
(except directors’ qualifying shares, if any), except that the term “Subsidiary” shall not include any Unrestricted Subsidiary. 
  
 “Synthetic Lease Obligation” of Company means the obligation to pay rent or other payment amounts under a lease of (or other indebtedness
arrangements conveying the right to use) real or personal property of Company which may be classified and accounted for as an operating lease or off-balance sheet liability for accounting purposes but as a secured or unsecured loan for tax purposes
under the Internal Revenue Code. 
  
 “Termination
Date” shall mean July 31, 2007, as such date may be extended upon written request of the Company and with the written consent of the Bank. The Company may 
  

 8 

 request an extension of the Termination Date for the Revolving Credit Commitment on any date during the period commencing
July 31, 2004 and ending on July 31, 2005. The Bank shall notify the Company of its decision to extend or not extend the Termination Date not more than 30 days after the date of the Company’s notice. A failure by the Bank to timely notify the
Company of its decision shall be deemed a denial of consent. If the Bank consents to a request by the Company for an extension, then the Termination Date shall be extended to July 31 in the year which is 2 years after the Termination Date in effect
at the time of the Company’s request. 
  
 “Total
Capital” shall mean the sum of Total Indebtedness and stockholders’ equity of the Company and its Subsidiaries determined on a consolidated basis, without duplication, in accordance with GAAP. 
  
 “Total Indebtedness” shall mean the aggregate amount of
Indebtedness of the Company and its Subsidiaries at any given time. 
  
 “Unmatured Event of Default” shall mean an event which but for the lapse of time or the giving of notice, or both, would constitute an Event of Default. 
  
 “Unrestricted Subsidiary” shall mean (i) any corporation, partnership or other business entity that is
owned in part by the Company, by Subsidiaries and/or by any other Unrestricted Subsidiaries and does not fall within the definition of “Subsidiary” and (ii) any Subsidiary which the Company may designate as an Unrestricted Subsidiary by at
least five days notice to the Bank; provided, however, that the Company may make such designation only if the Company, both immediately before and immediately after the delivery of such designation to the Bank, would have been entitled to create
other Funded Debt under Section 7.9 hereof. As of the date hereof, the following are Unrestricted Subsidiaries under clause (i) of this definition: Advantage Technologies, Inc.; Fastening Technologies LLC; Pullmaflex Southern Africa (Proprietary)
Limited; Pointe Lookout, L.P. and Webb City Apartments, L.P. As of the date hereof, no Unrestricted Subsidiaries have been designated under clause (ii) of this definition and the Company may not designate any Subsidiary as an Unrestricted Subsidiary
under clause (ii) of this definition if, after giving effect to such designation, the total assets of Subsidiaries so designated would exceed 15% of Consolidated Total Assets. No Unrestricted Subsidiary as such shall be subject to any of the
provisions of this Agreement. In addition, the Company shall not consolidate or partially consolidate any Unrestricted Subsidiary for purposes of this Agreement notwithstanding Generally Accepted Accounting Principles. 
  
 1.2 Accounting Terms and Definitions. Unless otherwise specified
herein, all accounting terms used herein shall be interpreted, all accounting definitions shall be made, and all financial statements required to be delivered hereunder shall be prepared in accordance with GAAP as in effect from time to time,
applied on a basis consistent with the most recent audited consolidated financial statements of the Company and its Subsidiaries delivered to the Bank, provided, however, if the Company notifies the Bank that it requests an amendment of any
provision hereof to eliminate the effect of any change in GAAP on the operation of such provision, then the Company’s compliance with such provision shall be determined on the basis of GAAP in effect immediately before the requested change,
until either such request is withdrawn or such provision is amended in a manner satisfactory to the Company and the Bank. 
  

 9 

 SECTION 2. REPRESENTATIONS. 
  
 2.1 Representations. The Company represents and warrants that as of the date of this Agreement: 
  
 (a) Corporate Existence and Power. The Company is a
corporation duly incorporated and validly existing under the laws of the State of Missouri, is in good standing therein, is duly qualified to transact business in all places where, in the opinion of the Company, such qualification is necessary, and
has corporate power to make this Agreement and to borrow hereunder. 
  
 (b) Corporate Authority. The Company possesses all requisite corporate power to execute, deliver, and perform the terms of this Agreement, the Notes, and the other Loan Papers. The making and performance by the
Company of this Agreement, the Notes, and the other Loan Papers has been duly authorized by all necessary corporate action and will not violate any provision of law or of its articles or by-laws or result in the breach of, or constitute a default
under, any indenture or other material agreement or instrument to which the Company is a party or by which the Company or its property may be bound or affected. No consent, approval or authorization of any governmental entity or other Person is
required in connection with Borrower’s execution of this Agreement. 
  
 (c) Financial Condition. The consolidated balance sheet of the Company and its Subsidiaries as of December 31, 2001, and the consolidated statements of income and financial condition of the Company and its
Subsidiaries as of said date as heretofore furnished to Bank are complete and accurate in all material respects and fairly present the consolidated financial condition of the Company and its Subsidiaries as of the date of such balance sheet and the
results of their operations for the period ending on said date. To the best of the Company’s knowledge and belief, neither the Company nor any of its Subsidiaries had, on December 31, 2001, any contingent liabilities, liabilities for taxes,
unusual forward or long-term commitments, or unrealized or anticipated losses from any unfavorable commitments which are substantial in amount in relation to the consolidated financial condition of the Company and its Subsidiaries, except as
referred to or reflected or provided for in said consolidated balance sheet and statement of financial condition as of December 31, 2001. Since said date there has occurred no change in the business, operations, affairs, financial condition, assets
or properties of the Company and its Subsidiaries which could reasonably be expected to have a Material Adverse Effect. 
  
 (d) Litigation. There are no suits or proceedings pending, or to the knowledge of the Company, threatened against or affecting the
Company or any Subsidiary which could reasonably be expected to have a Material Adverse Effect. 
  
 (e) Validity and Enforceability. Upon execution and delivery of this Agreement, the Notes and the other Loan Papers, each will
constitute a valid and binding obligation of the Company, enforceable in accordance with its terms (subject to limitations as to enforceability which might result from bankruptcy, insolvency or other similar laws affecting creditors’ rights
generally or from general principles of equity). 
  

 10 

 (f) Other Agreements. The terms and provisions of this Agreement are substantially
similar to and not less favorable to the Bank than the terms and provisions contained in other Comparable Agreements, a disclosure of all extant Comparable Agreements having been provided to Bank contemporaneously with the execution of this
Agreement. 
  
 (g) Compliance with ERISA.

  
 (i) The Company and each member of the
Controlled Group have fulfilled their obligations under the minimum funding standards of ERISA and the Code with respect to each Plan and are in compliance in all material respects with such presently applicable provisions. 
  
 (ii) Neither the Company nor any member of the Controlled
Group has incurred any material withdrawal liability with respect to any Multiemployer Plan under Title IV of ERISA, and no such material liability is expected to be incurred. 
  
 (h) Compliance with Laws; Payment of Taxes. Except where compliance with subsections (i), (ii) and
(iii) below, is being contested in good faith through appropriate proceedings or where non-compliance, alone or in the aggregate, could not reasonably be expected to have a Material Adverse Effect, the Company and its Subsidiaries: (i) are in
compliance with all applicable laws, regulations and similar requirements of governmental authorities, (ii) have filed all material Federal, state, local and foreign income, excise, property and other tax returns (the “Tax Returns”)
which are required to be filed by them, and (iii) have paid all taxes due pursuant to the Tax Returns or pursuant to any assessment received by or on behalf of the Company or any Subsidiary. 
  
 (i) Investment Company Act. Neither the Company nor
any of its Subsidiaries is an “investment company” within the meaning of the Investment Company Act of 1940, as amended. 
  
 (j) Public Utility Holding Company Act. Neither the Company nor any of its Subsidiaries is a “holding company”, or a
“subsidiary company” of a “holding company”, or an “affiliate” of a “holding company” or of a “subsidiary company” of a “holding company”, as such terms are defined in the Public Utility
Holding Company Act of 1935, as amended. 
  
 (k)
Ownership of Property. Each of the Company and its Consolidated Subsidiaries has title to its properties sufficient for the conduct of its business. 
  

 11 

 (l) Environmental Matters. 
  
 (i) Neither the Company nor any Subsidiary is subject to any
Environmental Liability which, alone or in the aggregate, could reasonably be expected to have a Material Adverse Effect. 
  
 (ii) No Hazardous Materials have been or are being used, produced, manufactured, processed, treated, recycled, generated, stored, disposed
of, managed or otherwise handled at, or shipped or transported to or from the Company’s or any of its Subsidiaries’ properties or are otherwise present at, on, in or under the Company’s or any of its Subsidiaries’ properties,
except for Hazardous Materials used, produced, manufactured, processed, treated, recycled, generated, stored, disposed of, managed, or otherwise handled in compliance with all applicable Environmental Requirements, except where such noncompliance,
alone or in the aggregate, could not reasonably be expected to have a Material Adverse Effect. 
  
 (m) Margin Stock. Neither the Company nor any of its Subsidiaries is engaged principally, or as one of its important activities, in
the business of purchasing or carrying any Margin Stock, and no part of the proceeds of any Loan will be used to purchase or carry any Margin Stock or to extend credit to others for the purpose of purchasing or carrying any Margin Stock, or be used
for any purpose which violates, or which is inconsistent with, the provisions of Regulations T, U or X. 
  
 (n) Insurance. The Company and each of its Subsidiaries has (either in the name of the Company or in such Subsidiary’s own
name), with reputable insurance companies or associations, insurance in at least such amounts and against at least such hazards as are customary for companies engaged in similar businesses and owning and operating similar properties. 
  
 SECTION 3. REVOLVING CREDIT. 
  
 3.1 Description of Revolving Credit. Bank agrees, on the terms of
this Agreement, to make Loans to Company pursuant to this Section 3 from time to time prior to the Termination Date, at such time or times and in such amounts as to each Loan as Company shall request up to but not exceeding in aggregate principal
amount at any one time outstanding the sum of              Million ($            ). The obligation of Bank to make
Loans to Company under this Section 3 up to such aggregate amount at any one time outstanding is hereinafter called Bank’s “Revolving Credit Commitment.” 
  
 Loans made under this Section 3 shall be evidenced by a promissory note in substantially the form of Exhibit A
hereto. The outstanding principal balance of the Note(s) shall bear interest from the date thereof until paid at a varying rate per annum which shall from day to day be equal to the lesser of (a) the maximum rate permitted by applicable law as the
same exists from day to day during the term hereof (“Maximum Rate”), or (b) the Elected Interest Rate; provided, however, if at any time the rate of interest specified in clause (b) preceding shall exceed the Maximum Rate, then any
subsequent reduction in the Elected Interest Rate will not reduce the 
  

 12 

 rate of interest thereon below the Maximum Rate until the total amount of interest accrued thereon equals the amount of
interest which would have accrued thereon if the rate specified in clause (b) preceding had at all times been in effect. Accrued and unpaid interest shall be due and payable (i) for each ABR Rate Loan, on the last Business Day of each calendar
quarter, (ii) for each CD Loan or Eurodollar Loan, on the last day of the Elected Interest Period of each such Loan and, for CD Loans and Eurodollar Loans with a 180-day or 6-month Elected Interest Period, on the 90th day of such Elected Interest
Period, and (iii) for each Money Market Loan, on each Friday or the day on which such Loan is paid in full and not replaced by another Money Market Loan, whichever shall first occur. All outstanding principal of all Loans, together with all accrued
and unpaid interest thereon, and any other amounts owing to Bank hereunder shall be due and payable on the Termination Date. 
  
 3.2 Voluntary Prepayments. Company shall have the right upon one (1) Business Day’s notice to prepay, at any time and from time to time
without premium or penalty, the entire unpaid principal balance of any Loan made under this Section 3 or any portion thereof; provided that any partial prepayment hereof shall be in the aggregate principal amount of $250,000 or an integral multiple
thereof. However, no prepayment shall be made of Eurodollar, CD or Money Market Loans unless the Company shall reimburse the Bank on demand for any loss incurred or to be incurred by Bank in the reemployment of the funds released by such prepayment.
A certificate as to any additional amount payable under this provision submitted by Bank to the Company shall be final and conclusive and binding upon all parties hereto, absent manifest error. Subject to the terms and conditions hereof, Company may
borrow, repay and reborrow hereunder. 
  
 3.3 Provisions
Applying to Loans Under Certain Circumstances. 
  
 (a) (i) If any change in applicable law or regulation or in the interpretation thereof by any governmental authority charged with the administration thereof shall make it unlawful for Bank to continue to maintain any Loan at the LIBO Rate
or Adjusted CD Rate or to comply with its obligations in connection with the maintenance of any Loan at the LIBO Rate or Adjusted CD Rate as contemplated by this Agreement, then such Loan shall forthwith, upon demand by Bank to Company, bear
interest at the Alternate Base Rate, and thereafter the interest rate applicable to such Loan shall be the Alternate Base Rate as the same may change from time to time. Notwithstanding the foregoing, before making any demand upon the Company to
change interest on any Loan to the Alternate Base Rate, due to circumstances contemplated by this Section, Bank shall designate a different LIBO lending office if such designation will avoid the need for making such demand, and will not, in the
judgment of Bank, be otherwise disadvantageous to Bank. 
  
 (ii) If Bank shall have determined (which determination, absent manifest error, shall be final, conclusive and binding on the parties) that adequate and fair means do not exist for determining the LIBO Rate due to
changes affecting the London interbank Eurodollar market, or the Adjusted CD Rate, then, until Bank shall determine that adequate and fair means for determining the LIBO 
  

 13 

 Rate or the Adjusted CD Rate have been reestablished, Bank shall not be obligated to make any new Loans
hereunder at the LIBO Rate or the Adjusted CD Rate. 
  
 (b) If the adoption after the date of this Agreement of any change in applicable law, rules or regulations or in the interpretation thereof by any governmental authority, central bank or comparable agency charged with the administration
thereof shall: 
  
 (i) impose, modify or deem
applicable any capital adequacy, reserve, special deposit or similar requirements against assets held by, or deposits in or for the account of, or Loans by, or any other acquisition of funds for advances hereunder by Bank; or 
  
 (ii) impose on Bank any other condition regarding any Loan;
or 
  
 (iii) subject Bank (or make it apparent
that Bank is subject) to any tax (including without limitation, United States interest equalization tax), levy, impost, duty, charge, fee, deduction or withholding on or from payment due from Company to the extent the LIBO Rate or Adjusted CD Rate
is elected by Company hereunder from time to time, other than income and franchise taxes of the United States and its political subdivisions; or 
  
 (iv) change the basis of taxation of payments due from Company to Bank (other than by a change in the statutory rate of taxation of the
overall income of Bank); 
  
 and the result of any of the
foregoing is to increase the cost to Bank of making or maintaining any Loan or to reduce the amount of principal and/or interest received by Bank or the rate of return on Bank’s capital as a consequence of its obligations hereunder to a level
below that which Bank would have achieved but for such adoption, then upon written notice from Bank to Company, the Company shall pay to Bank on the last day of each Interest Period with respect to each affected Loan, the amount of such increased
cost, reduction in principal and/or interest or rate of return on Bank’s capital, such payment to be in addition to any amounts otherwise owing by the Company to Bank. 
  
 In no event shall the Bank’s demand for payment by the Company under this Section 3.3(b) relate or
pertain to a period more than 60 days prior to the date of the Bank’s demand unless the demand is made in connection with a law, regulation, interpretation, directive or request having a retroactive effective date. In such instance, the demand
may cover the period beginning with the retroactive effective date. The Bank will designate a different lending office if such designation will avoid the need for, or reduce the amount of, such compensation and will not, in the judgment of the Bank
be otherwise disadvantageous to the Bank. A certificate of the Bank claiming compensation under this Section 3.3(b) and setting forth the additional amount or amounts to be paid to it hereunder shall be conclusive in the absence of manifest error.
In determining such 
  

 14 

 amount, the Bank may use any reasonable averaging and attribution methods. If, following any demand by
the Bank under this Section 3.3(b), the item for which such demand by the Bank was made is changed to reduce or eliminate the effect on the Bank, Bank shall promptly so inform the Company and equitably reduce any amounts thereafter payable by the
Company under this Section 3.3(b). 
  
 (c)
Company shall also pay Bank on each date on which accrued and unpaid interest is due and payable hereunder the cost to Bank, as determined in good faith by and evidenced by an explanatory notice delivered to Company by Bank, of complying to such
date with any reserve, special deposit or similar requirements (including, but not limited to, state law requirements and regulations K and D of the Board of Governors of the Federal Reserve System of the United States) imposed or deemed applicable
against foreign assets held by, or deposits in or for the account of, or Loans by, or any other acquisition of funds for advances hereunder by Bank (including any reserve requirement imposed on Eurocurrency liabilities) by any governmental authority
in the United States charged with the administration of such requirements. 
  
 (d) Company will with respect to any Eurodollar Interest Period and any CD Interest Period pay to Bank all amounts of principal, interest, fees and other amounts payable under any Loan at the LIBO Rate and Adjusted CD
Rate free and clear of and without deduction for any and all taxes. In addition, in connection with this transaction, at the written request of Bank, Company will pay any United States interest equalization or similar taxes and any stamp or other
taxes with respect to the preparation, execution, delivery, registration, performance and enforcement of such Loan. If Company shall not have paid such taxes within ten (10) Business Days after Bank’s request, Bank may effect such payment to
the applicable taxing authority and Company will, upon written demand by Bank, reimburse Bank for such payments, together with any interest and penalties in connection therewith, plus interest thereon at the Federal Funds Effective Rate plus  1/2 of 1%; provided that if the Company does not effect such reimbursement within ten (10) days of Bank’s notice
to the Company hereunder, interest on such payment shall accrue at the rate applicable hereunder to overdue amounts of principal from and after such date. 
  
 (e) If Company is required to make payment to Bank pursuant to this Section 3.3, Bank may not receive
payment more than once for the same event solely because such payment is required pursuant to more than one of paragraphs (a) through (d) of this Section 3.3. 
  

(f) Should Company make any direct payment of taxes pursuant to Paragraph (d) above without specific request having been made therefor
by Bank, Company will give to Bank written notice of such payment together with receipts from the taxing authority showing such taxes to be paid in full. 
  
 (g) Company shall have no right to change the Elected Interest Rate prior to the expiration of any Eurodollar Interest Period or any CD
Interest Period. 
  

 15 

 Notwithstanding anything to the contrary contained herein, no provisions of this Agreement or of any Note shall require
the payment or permit the collection of interest in excess of the maximum rate permitted by applicable law. If any excess of interest in such respect is herein provided for, or shall be adjudicated to be so provided, in this Agreement or otherwise
in connection with a loan transaction, the provisions of this paragraph shall govern and prevail, and neither Company nor the sureties, guarantors, successors or assigns of Company shall be obligated to pay the excess amount of such interest, or any
other excess sum paid for the use, forbearance or detention of sums loaned pursuant hereto. If for any reason interest in excess of the maximum rate of interest permitted by applicable law shall be deemed charged, required or permitted by any court
of competent jurisdiction, any such excess shall be applied as a payment and reduction of the principal of Indebtedness of the Loans; and, if the principal amount hereof and all other amounts owing to Bank hereunder have been paid in full, any
remaining excess shall forthwith be paid to Company. 
  
 Bank shall use reasonable
efforts to avoid or to minimize, as the case may be, the payment by the Company of additional amounts under this Section 3.3, or the subjecting of any payment by the Company to any withholding tax, or a mandatory prepayment or conversion of any
loans to the Company bearing a LIBO or Adjusted CD Rate. Bank shall, as promptly as practicable, notify the Company of the existence of any event which will require payment by the Company of any such additional amount under this Section or the
subjecting of any payment by the Company to any withholding tax, provided that the foregoing shall not in any way affect the rights of the Bank or the obligations of the Company under this Agreement. 
  
 3.4 Fees. (a) Facility Fee. Company will pay
to Bank a facility fee for the Revolving Credit Commitment which will accrue at a rate per annum equal to the from time to time Applicable Rate. The obligation of the Company to pay the facility fee will commence to accrue on the date hereof and
will continue through the Termination Date. The amount of the facility fee for each calendar quarter shall be calculated as of the first day of the next succeeding calendar quarter (except that upon termination of the Agreement such fees will be
calculated as of the Termination Date). The facility fee will be due and payable on the tenth Business Day of each calendar quarter in arrears pursuant to the terms hereof, and on the Termination Date. 
  
 (b) Utilization Fee. With respect to every day, if
any, on which the sum of all outstanding Loans is equal to or greater than 50% of the aggregate amount of the Revolving Credit Commitment then in effect, Company will pay to Bank a utilization fee based on the daily aggregate amount of the Revolving
Credit Commitment, calculated on a daily basis and payable on the tenth Business Day of each calendar quarter in arrears and on the Termination Date, at a rate per annum equal to the from time to time Applicable Rate. 
  
 3.5 Reduction of the Revolving Credit Commitment. Company may, at any
time and from time to time, upon three (3) Business Days’ notice to Bank, reduce the Revolving Credit Commitment down to an amount not less than the aggregate amount of all Loans then outstanding under the Revolving Credit Commitment, or
terminate the Revolving Credit Commitment if no Loans are then outstanding, provided that all amounts of principal in excess of the reduced Revolving Credit Commitment and accrued interest, facility fee or any other 
  

 16 

 amounts owing to Bank hereunder have been paid. Each reduction of the Revolving Credit Commitment shall be in an
aggregate amount of $100,000 and integral multiples thereof. The Revolving Credit Commitment, once reduced, may not be reinstated. 
  
 SECTION 4. MANNER OF BORROWING. 
  
 4.1 Borrowing Procedure. Company shall give Bank reasonable notice (which in the case of a Money Market Loan, CD Loan or ABR Loan shall be by 12:00
noon New York time on the day of borrowing, and in the case of a Eurodollar Loan shall be by the close of business at least three (3) Business Days prior to the day of borrowing) specifying the amount and date of borrowing, the Elected Interest Rate
and the Elected Interest Period. Such notice (the “Notice of Borrowing”) may be given by letter, telecopier or telephone by an authorized representative of the Company deemed by Bank in its reasonable judgment to be authorized.
Notice by telephone must be confirmed in writing promptly thereafter. On the date specified in the Notice of Borrowing, Bank shall make the borrowed funds available to Company. Each Eurodollar Loan and each CD Loan hereunder shall be in an amount at
least equal to One Million Dollars ($1,000,000). 
  
 4.2
Expiration of Elected Interest Periods. If Company fails to notify Bank of a new Elected Interest Rate and Elected Interest Period not later than 12:00 noon New York time on the expiration date of an Elected Interest Period (only in the case
of a Eurodollar Loan, by the close of business three (3) Business Days prior to such expiration date with respect to such Eurodollar Loan), the Company shall be deemed to have chosen the Alternate Base Rate or the Money Market Rate for a one day
Money Market Interest Period, whichever is then lower as the Elected Interest Rate to be effective immediately upon the expiration of such Interest Period. 
  
 SECTION 5. PAYMENTS. 
  
 5.1 Payments. All payments of principal, interest, fees and other charges hereunder will be made in lawful money of the United States of America in
immediately available funds prior to 2:00 p.m. Central Time on the due date. Interest on the Notes and other charges will be calculated on the basis of actual days elapsed over a year of 360 days. If any principal of or interest on any Note falls
due on a Saturday, Sunday or legal holiday at the place of payment, then such due date will be extended to the next succeeding full Business Day at such place and interest will be payable in respect of such extension. 
  
 SECTION 6. CONDITIONS OF LENDING. 
  
 6.1 Initial Loan. The obligation of Bank to make the initial loan to
be made by it hereunder is subject to the following conditions precedent: 
  
 (a) Signatures. The Company shall have certified to Bank the name and signature of each officer of the Company authorized to sign this Agreement and the Notes and borrow hereunder, and how many officers are
required to sign each Note or Notes. Bank may conclusively rely on such certification until it receives notice in writing to the contrary. 
  

 17 

 (b) Opinion of Company Counsel. Bank shall have received from the general counsel
to the Company a favorable written opinion, reasonably satisfactory to Bank and its counsel, as to: (i) matters concerning the Company and the Subsidiaries referred to in Sections 2.1(a) and 2.1(b) (as at the time of the making of the initial loan
hereunder); (ii) the due authorization, execution and delivery by the Company hereof and of the Notes and the validity and enforceability thereof in accordance with their respective terms (subject to limitations as to enforceability which might
result from bankruptcy, insolvency or other similar laws affecting creditors’ rights generally or from general principles of equity); (iii) the necessity of any authorization or approval by any public regulatory body of the transactions
contemplated hereby and as to the sufficiency of any which have been obtained; (iv) the absence of any requirement for consent, and the nonexistence of any default, by reason of the transactions contemplated hereby, under (A) any credit agreements,
indentures, guaranties, and other instruments in respect of borrowed money or (B) purchase agreements, in each case to which the Company or any Subsidiary is a party or by which the Company or any Subsidiary may be bound or affected; and (v)
litigation and proceedings affecting the Company or any Subsidiary as contemplated by Section 7.7. 
  
 (c) Proof of Corporate Action. Bank shall have received certified copies of all corporate action taken by the Company to authorize
the execution, delivery and performance of this Agreement and the Notes and borrowings hereunder, and such other papers as Bank shall reasonably require. 
  
 (d) Loan Documents. Bank shall have received from the Company duly executed originals of this Agreement and the Notes. 

 
 (e) Notice of Borrowing. Bank shall have received
a Notice of Borrowing. 
  
 6.2 Each Loan. The obligation of
Bank to make the Loans to be made by it under Section 3 (including the initial Loan) is subject to the following conditions precedent: No Event of Default specified in Section 8 below and no Unmatured Event of Default shall have occurred and be
continuing; the representations and warranties of the Company in Section 2.1 shall be true on and as of the date of making of such Loan with the same force and effect as if made on and as of such date; and the Treasurer or other officer of the
Company shall have certified to all of the foregoing to the Bank. 
  
 SECTION 7.
COMPANY COVENANTS. 
  
 From the date hereof, and so long
as the Revolving Credit Commitment shall be outstanding, and until the payment in full of all Notes outstanding hereunder and the performance of all other obligations of the Company hereunder, the Company: 
  
 7.1 Corporate Existence. Will preserve its corporate existence and
cause each Subsidiary to preserve its corporate existence, unless the corporate existence shall be discontinued as a result of a merger, consolidation or other transaction permitted pursuant to Section 7.11 hereof, or unless the Company shall divest
itself of the properties of any Subsidiary pursuant to Section 7.4 or Section 7.11 hereof. 
  

 18 

 7.2 Insurance. Will maintain, and will cause each Subsidiary to maintain, insurance coverage by
reputable insurance companies or associations, in such forms and amounts and against such hazards, as are customary for companies engaged in similar businesses and owning and operating similar properties. 
  
 7.3 Taxes, Claims for Labor and Materials; Compliance with Laws. (a)
Will promptly pay and discharge, and will cause each Subsidiary promptly to pay and discharge, all lawful taxes, assessments and governmental charges or levies imposed upon the Company or such Subsidiary, and all trade accounts payable in accordance
with usual and customary business terms and all claims for work, labor or materials, which if unpaid might become a lien or charge upon any property of the Company or any Subsidiary; provided that, the Company or such Subsidiary shall not be
required to pay any such tax, assessment, charge, levy or claim if the validity thereof shall concurrently be contested in good faith by appropriate proceedings, and if the Company or such Subsidiary shall set aside on its or their books such
reserves, if any, deemed by it or them to be adequate with respect thereto, and further provided that, no such payment or discharge of any such tax, assessment, charge, levy, account payable or claim shall be required in respect of a Subsidiary to
the extent that such Subsidiary’s assets are insufficient for such purpose so long as such tax, assessment, charge, levy, account payable or claim is not imposed upon or does not become a liability of the Company. 
  
 (b) Will comply and will cause each Subsidiary to comply, in all material
respects and where the failure to comply could reasonably be expected to have a Material Adverse Effect, with (i) ERISA, (ii) the Federal Occupational Safety and Health Act of 1970 and the rules and regulations thereunder, (iii) all governmental
consumer protection laws and regulations, (iv) all governmental equal employment practice requirements and (v) all other laws, rules, regulations and orders to which it is subject. 
  
 (c) Will comply, and will cause each Subsidiary to comply, in all material respects and when the failure to comply would
have a Material Adverse Effect, with all applicable Environmental Requirements and Environmental Judgments and Orders. 
  
 7.4 Maintenance, Etc. Will maintain, preserve and keep, and will cause each Subsidiary to maintain, preserve and keep, its and their operating
properties (whether owned in fee or a leasehold interest) in good repair and working order and from time to time will make all necessary repairs, replacements, renewals, and additions so that at all times the efficiency thereof shall be maintained,
and will maintain, and cause each Subsidiary to maintain, franchises, licenses and permits necessary for the conduct of their respective businesses; provided, however, the Company and its Subsidiaries shall, notwithstanding the foregoing, have the
right to sell, abandon or dispose of, property or other assets which in the reasonable judgment of the Company or the Subsidiary are no longer useful or of productive value or which may be advantageously sold, abandoned or otherwise disposed of in
the proper conduct of the business of the Company (or any Subsidiary), and shall have the right to terminate the corporate existence of any Subsidiary or any right, franchise or privilege of the Company or any Subsidiary if, in the judgment of the
Company, it shall be or become no longer advantageous to maintain the same. 
  
 7.5 Character of Business. Will continue to carry on substantially the same type of business carried on during the fiscal year ended December 31, 2001, and businesses reasonably related thereto; and will not
engage in any business which would materially change the type of business previously conducted on a consolidated basis. 
  

 19 

 7.6 Financial Information and Reports. Will keep, and will cause each Subsidiary to keep, proper
books of record and account in which full, true and correct entries will be made of all dealings or transactions of or in relation to the business and affairs of the Company or such Subsidiary, in accordance with Generally Accepted Accounting
Principles consistently applied, and will furnish Bank: 
  
 (a) Within 60 days after the end of each quarterly period, except the last, of each fiscal year, its quarterly report on Form 10-Q as prescribed by and filed with the Securities and Exchange Commission (or any
successor agency). 
  
 (b) Within 120 days after
the last day of each fiscal year, its annual report on Form 10-K as prescribed by and filed with the Securities and Exchange Commission (or any successor agency). 
  
 (c) Within the periods provided in paragraphs (a) and (b) above, the written statement of the Company,
signed by the principal financial officer, showing the calculations necessary to determine compliance with this Agreement and stating that the signer thereof has re-examined the terms and provisions of this Agreement and at the date of said
statement neither the Company nor any Subsidiary is in default in the fulfillment of any of the terms, covenants, provisions, and conditions hereof and that no Event of Default or Unmatured Event of Default has occurred, or if the signer is aware of
any such Event of Default or Unmatured Event of Default, he shall disclose in such statement the nature thereof. 
  
 (d) Within the period provided in paragraph (b) above, the written statement of such accountants that in making the examination necessary
to their certification of such audit report they have obtained no knowledge of any event of default, or event which with the lapse of time or giving of notice, or both, would become an event of default, set forth in Section 8.1, or if such
accountants shall have obtained knowledge of any such default or event of default, they shall disclose in such statement the default or defaults and the nature thereof. 
  
 (e) Within fifteen (15) Business Days after the Company becomes aware of the occurrence of any Unmatured
Event of Default or Event of Default, a certificate of the chief financial officer or the chief accounting officer of the Company setting forth the details thereof and the action which the Company is taking or proposes to take with respect thereto.

  
 (f) As soon as available, each Current Report
on Form 8-K as prescribed by and filed with the Securities and Exchange Commission (or any successor agency). 
  
 (g) Promptly upon the mailing thereof to the shareholders of the Company generally, copies of all financial statements, reports and proxy
statements so mailed. 
  

 20 

 (h) Such additional information as Bank may reasonably request concerning the Company and
its Subsidiaries. 
  
 7.7 Litigation. Will promptly give
notice in writing to Bank of all litigation and of the proceedings before any governmental or regulatory agencies affecting the Company or any Subsidiary, which litigation or proceeding is required to be reported on a Form 10-Q or Form 10-K of the
Securities and Exchange Commission (as such Form and requirements pertinent thereto are in effect on the date hereof), or which litigation or proceeding involves the reasonable likelihood of or has resulted in a determination of uninsured liability
of the Company or any Subsidiary in excess of $40,000,000. 
  
 7.8
Inspection of Properties and Records. Will permit Bank to visit, at its own expense, the offices and properties of the Company and any Subsidiary and examine the books of account and discuss the affairs, finances and accounts of such firms
with the officers thereof at reasonable times and with reasonable prior notice. 
  
 7.9 Restriction on Funded Debt and Short-Term Debt. Will not, and will not permit any Subsidiary to, create, guarantee, assume, permit to exist, or become liable, directly or indirectly, in respect of any
Funded Debt or Short-Term Debt other than: 
  
 (a) The Notes and other promissory notes (not to exceed $400,000,000 in principal amount) delivered by the Company under documents comparable in purpose to this Agreement. 
  
 (b) Funded Debt and Short Term Debt outstanding on the date of this Agreement. 
  
 (c) Funded Debt of Subsidiaries to the Company or to other
Subsidiaries and Funded Debt of the Company to Subsidiaries. 
  
 (d) Other Funded Debt and Short-Term Debt (including Secured Debt) of the Company and Subsidiaries, provided that at the time of issuance or incurrence and immediately after giving effect thereto and to the
application of the proceeds thereof: 
  
 (i)
Total Indebtedness shall not exceed 50% of Total Capital; 
  
 (ii) in the case of Secured Debt, the principal amount of Secured Debt shall not exceed 15% of Consolidated Total Assets; and 
  

(iii) Consolidated Net Income for the immediately preceding fiscal year as well as average Consolidated Net Income for the three
immediately preceding fiscal years are at least 10.0% of the aggregate principal amount of all Funded Debt. 
  
 Notwithstanding anything provided by this Agreement, but subject to such limitations as to amount provided by this Section 7.9, the Company and its Subsidiaries shall be entitled to execute and deliver guarantees of
all types guaranteeing the obligations of any and all Persons irrespective of whether such Persons may be the Company, Subsidiaries, Unrestricted 
  

 21 

 Subsidiaries, employees, suppliers, subcontractors, or others. All guarantees given by the Company and its Subsidiaries
pursuant to this Agreement shall constitute Indebtedness to the extent provided in the definition of “Indebtedness” set out in Section 1. 
  
 7.10 Mortgages and Liens. Will be permitted to create, incur or permit to exist any mortgage, pledge, encumbrance, lien, security interest,
security device, or charge of any kind (including liens or charges upon properties acquired or to be acquired under conditional sales agreements or other title retention devices), collectively “Liens”, on the property of the Company or any
Subsidiary, whether now owned or hereafter acquired, or upon any income or profits therefrom; provided, however, that at the time of the creation of each Lien and immediately after giving effect thereto and to the application of any proceeds of the
Indebtedness secured thereby, the aggregate outstanding principal Indebtedness then secured by all Liens shall not exceed 15% of Consolidated Total Assets. 
  
 Without limitation of the independent application and effect of this Section 7.10, it is expressly agreed and understood that Liens permitted by this
Section 7.10 are and shall be permitted only upon the express condition that the obligations so secured do not violate the applicable provisions of Section 7.9. 
  

7.11 Merger; Sale of Assets. 
  
 (a) Merger and Consolidation. Will not, and will not permit any Subsidiary to, merge or consolidate with any other corporation,
except that: 
  
 (i) Any Subsidiary may be merged
into a wholly-owned Subsidiary or into the Company; 
  
 (ii) the Company shall be permitted to merge into a wholly-owned Subsidiary of the Company in order to change the Company’s state of incorporation provided that immediately after the consummation of the transaction and after giving
effect thereto no Event of Default or Unmatured Event of Default would exist hereunder; and 
  
 (iii) the Company shall be permitted to merge or consolidate with another corporation or other entity provided that the Company is the
surviving corporation and if immediately after the consummation of the transaction and after giving effect thereto no Event of Default or Unmatured Event of Default would exist hereunder. 
  
 (b) Sale of Assets. Will not, and will not permit any
Subsidiary to sell, lease or transfer, or otherwise dispose of all or a substantial part of its assets (other than products sold in the ordinary course of business), except that (i) any Subsidiary may sell, lease, transfer, or otherwise dispose of
any of its assets to the Company or a wholly-owned Subsidiary, (ii) the Company may dispose of its assets or the stock or assets of a Subsidiary if required to do so by a final court order, and (iii) the foregoing limitation on the sale, lease,
transfer or other disposition of assets shall not prohibit during any fiscal quarter, a sale, lease, transfer or other disposition of assets unless the aggregate assets to be so sold, 
  

 22 

 leased, transferred or otherwise disposed, when combined with all other assets sold, leased, transferred
or otherwise disposed, during such fiscal quarter and the immediately preceding 3 fiscal quarters, constituted more than 15% of Consolidated Total Assets at the end of the most recent fiscal year immediately preceding such fiscal quarter.

  
 As used herein, a “substantial
part” of the assets of the Company or any Subsidiary shall mean an amount equal to 15% or more of Consolidated Total Assets as of the fiscal year-end immediately preceding the sale, lease, transfer, or other disposition in question (without
giving effect to such sale, lease, transfer, or other disposition in question). 
  
 If the Company requests Bank to consent to any merger, consolidation or disposal of assets not permitted by this Section 7.11 and if Bank
does not give such consent, then notwithstanding any other provisions hereof, the Company, at its option, may prepay all (but not less than all) Indebtedness then due under the Notes without any prepayment penalty, premium or other charge imposed
for prepayment, except if any prepayment is made prior to the end of any applicable Eurodollar or CD Interest Period, the Company shall reimburse the Bank on demand for any loss incurred or to be incurred by the Bank in the reemployment of the funds
released by such prepayment. 
  
 7.12 Multiemployer Plans.
Will not permit the aggregate complete or partial withdrawal liability under Title IV of ERISA with respect to Multiemployer Plans incurred by the Company and members of the Controlled Group to exceed $25,000,000 at any time. For purposes of this
Section 7.12, the amount of withdrawal liability of the Company and members of the Controlled Group at any date shall be the aggregate present value of the amount claimed to have been incurred less any portion thereof which the Company and members
of the Controlled Group have paid or as to which the Company reasonably believes, after appropriate consideration of possible adjustments arising under Sections 4219 and 4221 of ERISA, it and members of the Controlled Group will have no liability,
provided that the Company shall obtain prompt written advice from independent actuarial consultants supporting such determination. 
  
 7.13 Other Agreements. Will not, and will not permit any Subsidiary to, enter into any Comparable Agreement, unless, concurrent with entering into
such revolving credit agreement, the Company agrees to amend this Agreement (or amend any Comparable Agreement in such manner) in order to cause the terms and provisions of this Agreement to be substantially similar to and not less favorable to the
Bank than such new or amended Comparable Agreement. 
  
 7.14
Ratio of Total Indebtedness to Total Capital. Will maintain a ratio of Total Indebtedness to Total Capital of not more than 0.50 to 1.00. 
  
 SECTION 8. EVENTS OF DEFAULT AND REMEDIES THEREFOR. 
  
 8.1 Events of Default. If any one of the following events of default shall occur and be continuing, namely: 
  
 (a) The Borrower shall fail to pay when due (i) any
principal of any Loan or any Loan outstanding under the 364-Day Agreement, or (ii) shall fail to pay any interest 
  

 23 

 on any Loan or on any Loan outstanding under the 364-Day Agreement within five (5) Business Days after
such interest shall become due, or shall fail to pay any fee or other amount payable hereunder within five (5) Business Days after such fee or other amount becomes due; or 
  
 (b) Any bond, debenture, note, or other similar evidence of indebtedness of the Company or any Subsidiary
shall become due before stated maturity by the acceleration of the maturity thereof by reason of default or shall become due by its terms and shall not be promptly paid or extended in either case where such evidence of indebtedness exceeds
Twenty-Five Million Dollars ($25,000,000) in the aggregate; or 
  
 (c) Any representation or warranty made by the Company in Section 2 of this Agreement or contained in any certificate delivered pursuant hereto shall prove to have been incorrect in any material respect as of the date
made; or 
  
 (d) Default by the Company in the
performance of any other agreement or covenant herein which shall remain unremedied for thirty (30) days after written notice thereof shall have been given to the Company by Bank or by the Company to the Bank; or 
  
 (e) The Company or any Subsidiary shall: 
  
 (i) apply for or consent to the appointment of a receiver,
trustee or liquidator of itself or of its property; 
  
 (ii) be unable, or admit in writing inability, to pay its debts as they mature; 
  
 (iii) make a general assignment for the benefit of creditors; 
  
 (iv) be adjudicated bankrupt or insolvent; or 
  
 (v) file a voluntary petition in bankruptcy or a petition or answer seeking reorganization or an arrangement
with creditors or to take advantage of any insolvency law or an answer admitting the material allegations of a petition filed against it in any bankruptcy, reorganization or insolvency proceedings, or corporate action shall be taken by it for the
purpose of effecting any of the foregoing; or 
  
 (f) An order, judgment or decree shall be entered, without the application, approval or consent of the Company or any Subsidiary, by any court or governmental agency of competent jurisdiction, approving a petition seeking reorganization of
the Company or such Subsidiary, or appointing a receiver, trustee or liquidator or the like of the Company or such Subsidiary, of all or a substantial part of its assets, and such order, judgment or decree shall continue unstayed or in effect for
any period of sixty (60) consecutive days (provided that Bank shall not be required to make new Loans during such sixty (60) day period); or 
  

 24 

 (g) Any judgment, writ or warrant of attachment or of any similar process in an uninsured
amount in excess of Forty Million Dollars ($40,000,000) in any single proceeding or series of related proceedings shall be entered or filed against the Company or any Subsidiary or against any property or assets of either and remains unpaid,
unvacated, unbonded or unstayed for a period of sixty (60) days (provided that Bank shall not be required to make new Loans during such sixty (60) day period). As used in paragraphs (f), (g) and (h) of this Section 8.1, the term
“Subsidiary” shall be limited to those Subsidiaries, standing alone or in the aggregate, whose capital surplus and retained earnings (“Net Worth”) on an unconsolidated basis are at that time equal to 10% or more of the
consolidated Net Worth of the Company and its Subsidiaries; or 
  
 (h) (i) Any Person or two or more Persons acting in concert shall have acquired beneficial ownership (within the meaning of Rule 13d-3 of the Securities and Exchange Commission under the Securities Exchange Act of
1934) of 30% or more of the outstanding shares of the voting stock of the Company; or (ii) as of any date a majority of the Board of Directors of the Company consists of individuals who were not either (A) directors of the Company as of the
corresponding date of the previous year, (B) selected or nominated to become directors by the Board of Directors of the Company of which a majority consisted of individuals described in clause (A), or (C) selected or nominated to become directors by
the Board of Directors of the Company of which a majority consisted of individuals described in clause (A) and individuals described in clause (B). 
  
 Thereupon, in any such case Bank may, by written notice to the Company, terminate the Revolving Credit Commitment, declare the principal of and interest
on the Notes and all other amounts owing to Bank hereunder to be forthwith due and payable, whereupon any Notes so affected and all other amounts owing to Bank hereunder will become forthwith due and payable, without protest, presentment, notice or
demand, all of which are expressly waived by the Company. Notwithstanding the above, the occurrence of any Event of Default as defined in Section 8.1(e) and Section 8.1(f) hereof shall automatically terminate the Revolving Credit Commitment, and
cause the principal of and interest on the Notes and all other amounts owing to Bank hereunder to be immediately due and payable, all without any election or action on the part of the Bank. 
  
 8.2 Waivers, Etc. Bank reserves the right to amend, modify, waive, and
forgive any breach of or violation of, present or later agreed upon covenants or provisions of this Agreement. 
  
 SECTION 9. NOTICES. 
  
 9.1 Notices. All notices, requests and demands shall be in writing or by telecopier and will be given to or made upon the respective parties hereto at their respective addresses specified in the first paragraph hereof or, as to
either party, at such other address as may be designated by it in a written notice to the other. All notices, requests, consents, and demands hereunder, if mailed or sent by overnight courier and properly addressed with postage prepaid, will be
effective when duly deposited in the mails or deposited with the overnight courier service. 
  

 25 

 SECTION 10. MISCELLANEOUS. 
  
 10.1 Waivers, Etc. No failure on the part of Bank to exercise and no delay in exercising any right hereunder will
operate as a waiver thereof; nor will any single or partial exercise of any right hereunder preclude any other or further exercise thereof or the exercise of any other right. The remedies herein provided are cumulative and not exclusive of any
remedies provided by law. 
  
 10.2 Expenses and
Indemnification. The Company will pay, whether or not any Loan is made hereunder: 
  
 (a) All reasonable out-of-pocket expenses of Bank in connection with the preparation, execution and delivery hereof and of the Notes and
the making of Loans hereunder. 
  
 (b) The
reasonable fees of counsel to the Bank in the preparation of this Agreement. 
  
 (c) All taxes, if any, upon any documents or transactions pursuant hereto. 
  
 (d) All expenses and costs of collection and enforcement of remedies (including reasonable counsel fees) if default is made in the payment
of any Note or Notes or of any obligation created by or pursuant to this Agreement. 
  
 The Company agrees to defend and indemnify Bank against, and to hold Bank harmless from, any loss, liability, damage, claim, cost, or expense (including costs of defending against claims of liability) for which Bank
is liable to a third party relating to or arising out of this Agreement or any other Loan Paper, any other documents executed and delivered in connection herewith or therewith, or the use or intended use of the proceeds of any Loan hereunder
(collectively, the “indemnified liabilities”); provided that Company shall have no obligation to Bank hereunder with respect to ordinary loan administration expenses or indemnified liabilities arising from the gross negligence or willful
misconduct of Bank. Bank agrees to notify the Company within fifteen (15) Business Days of engaging counsel or incurring any other expense in defense of any claim that might result in an indemnified liability. 
  
 10.3 Agreement of Non-U.S. Bank. If Bank is not incorporated under the
laws of the United States of America or a state thereof, Bank agrees that it will, not less than ten (10) Business Days after the date of this Agreement, deliver to the Company a United States Internal Revenue Form W-8 or W-9, as the case may be,
and certify that it is entitled to an exemption from United States backup withholding tax. Bank further undertakes to deliver to the Company (a) renewals or additional copies of such form (or any successor form) on or before the date that such form
expires or becomes obsolete, and (b) after the occurrence of any event requiring a change in the most recent forms so delivered by it, such additional forms or amendments thereto as may be reasonable requested by the Company. All forms or amendments
described in the preceding sentence shall certify that Bank is entitled to receive payments under this Agreement without deduction or withholding of any United States federal income taxes, unless an event (including without limitation any change in
treaty, law or regulation) has occurred prior to the date on which any such delivery would otherwise be required which renders all such forms 
  

 26 

 inapplicable or which would prevent Band from duly completing and delivering any such form or amendment with respect to
it and Bank advised the Company that it is not capable of receiving payments without any deduction or withholding of United States federal income tax. 
  
 10.4 Successors and Assigns; Survival of Representations. This Agreement and all covenants herein contained shall be binding upon and inure to the
benefit of the respective successors and assigns of the parties hereunder, except that the Company shall not assign its rights under any of the Loan Papers without the prior written consent of the Bank. All covenants, representations and warranties
made by the Company herein and in any certificates delivered pursuant hereto shall survive the borrowings under the Revolving Credit Commitment and shall continue until the payment in full of the Notes. 
  
 10.5 Assignments and Participations. After the date of this Agreement
and subject to the prior written consent of the Company, such consent not to be unreasonably withheld by the Company, Bank may assign to one or more banks or other entities a constant percentage of all Loans made to the Company under this Agreement,
in which event such assignee shall share the rights and benefits of the Bank hereunder with respect to such Loans. Notwithstanding anything to the contrary, the Bank shall not be required to obtain the consent of the Company for any such
assignment if (a) the assignee is an agency, department, board, governmental body or subdivision of the United States of America (a “Federal Assignee”), or (b) an Event of Default has occurred and is continuing. Subject to the prior
written consent of the Company, such consent not to be unreasonably withheld by the Company, Bank also may sell to one or more banks or other entities participations in any Loan or Loans made to the Company under this Agreement with such consent not
required if an Event of Default has occurred and exists at the time of such participation. Notwithstanding anything to the contrary, the Bank shall not be required to obtain the consent of the Company with regard to any sale of a
participation to a Federal Assignee. The holder of any such participation shall not share any rights or benefits of the Bank under this Agreement and the Company shall not have any direct or indirect contractual obligations to such participant. If
the Company consents to an assignment or participation (or if no consent is required) or to Bank’s solicitation of a prospective assignee or participant, Bank may thereafter deliver to such assignee or participant any information concerning the
Company given by the Company to Bank under this Agreement; provided, however, that Bank must first obtain from such assignee or participant (or prospective assignee or participant) a written agreement to maintain the confidentiality of any
non-public information concerning the Company. The Company will have no obligation to pay or reimburse any costs or expenses associated with any such assignments or participations. The Company hereby grants its consent to Bank’s sale of
participations to bank subsidiaries of Bank’s parent company. 
  
 10.6 Governing Law. This Agreement and the Notes will be construed in accordance with and governed by the laws of the State of
                     and the applicable laws of the United States of America. 
  
 10.7 Exhibits. The form of the Note is attached hereto as Exhibit A. 
  
 10.8 Waiver of Jury Trial. EACH OF THE BANK AND THE COMPANY HEREBY
KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION ARISING OUT OF, 
  

 27 

 UNDER OR IN CONNECTION WITH THE LOAN PAPERS OR THE TRANSACTIONS CONTEMPLATED THEREIN. FURTHER, THE COMPANY HEREBY
CERTIFIES THAT NO REPRESENTATIVE OR AGENT OF THE BANK, OR THE BANK, OR COUNSEL TO THE BANK, HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT THE BANK WOULD NOT, IN THE EVENT OF SUCH LITIGATION, SEEK TO ENFORCE THIS WAIVER OF RIGHT TO JURY TRIAL
PROVISION. THE COMPANY ACKNOWLEDGES THAT THE BANK HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY INTER ALIA, THE PROVISIONS OF THIS SECTION 10.8. 
  
 10.9 Integration; Amendment and Waiver. This Agreement and the Exhibit annexed to this Agreement constitutes the entire agreement between the
parties relating to the subject matter hereof and supersede all prior agreements and understanding between the Bank and the Company relating to the subject matter hereof. This Agreement may not be amended, modified or waived orally but only by a
written agreement executed by the Company and the Bank. 
  
 10.10
Oral Agreements. Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect you (Company) and us (Bank) from
misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.

  

 28 

 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed as of the day and
year first above written. 
  

							
	ATTEST:	 	LEGGETT & PLATT, INCORPORATED
				
	By:	 	  

	 	By:	 	  

	Name:	 	 	 	Name:	 	 
	Title:	 	 	 	Title:	 	 
			
	 	 	 	 	[BANK NAME]
				
	 	 	 	 	By:	 	  

	 	 	 	 	Name:	 	  

	 	 	 	 	Title:	 	  

  

 29 

 EXHIBIT A 
  

PROMISSORY NOTE 
  

	 $                     
	 [Date]                 

  
 FOR VALUE RECEIVED, the undersigned, LEGGETT & PLATT, INCORPORATED, a
Missouri corporation (“Company”), hereby promises to pay to the order of                      (“Bank”) at its offices at
                    , on July 31, 2007 (or such later “Termination Date” as defined in the Loan Agreement) in lawful money of the
United States of America, the principal sum of                      Million Dollars
($                    ) or, if less, the aggregate principal amount of Loans to Company outstanding under the Revolving Credit Agreement dated
as of August 23, 2002 between Company and Bank. Such Loan Agreement, as the same may hereafter be amended or modified from time to time, is hereinafter referred to as the “Loan Agreement.” 
  
 The terms and conditions of the Loan Agreement are hereby incorporated herein
by reference and all capitalized terms used herein shall be deemed to have the meanings set out in the Loan Agreement. 
  
 Company shall pay to Bank interest on the outstanding principal amount hereof as set forth in the Loan Agreement and particularly Section 3.1 thereof.

  
 All past due principal and interest shall bear interest at 2%
above the Alternate Base Rate, as the same exists from time to time, not to exceed the Maximum Rate, and shall be payable upon demand. 
  
 Company hereby authorizes Bank to endorse Schedule I attached hereto and made a part hereof with respect to each Loan made under Bank’s Revolving
Credit Commitment. Company hereby agrees that failure by Bank to so endorse Schedule I shall not limit or affect the obligations of Company under this Note or the Loan Agreement. 
  
 All parties hereto, whether as maker, endorser, surety or guarantor, expressly waive presentment, demand for payment, notice
of dishonor, protest and notice of protest. 
  

			
	LEGGETT & PLATT, INCORPORATED
		
	By:	 	  

	Name:	 	 
	Title:	 	 
		
	By:	 	  

	Name:	 	 
	Title:	 	 

  

 30 

 SCHEDULE I TO PROMISSORY NOTE 
  

															
	 DATE

	 	 AMOUNT OF
 LOAN

	  	 ELECTED
 INTEREST
RATE

	  	 ELECTED
 INTEREST
 PERIOD

	  	 AMOUNT
 OF
 PRINCIPAL
 PAYMENT

	  	 AMOUNT
 OF
 INTEREST
 PAYMENT

	  	 BALANCE
 OF
 PRINCIPAL
 UNPAID

	  	 NOTATION
 MADE BY

  

 31 

 AMENDMENT NO. 1 TO REVOLVING CREDIT AGREEMENT 
 (5-Year Facility) 
  
 THIS AMENDMENT NO. 1 TO REVOLVING CREDIT AGREEMENT (this “Amendment”) is entered into as of August 22, 2003 between LEGGETT & PLATT,
INCORPORATED, a Missouri corporation, having its principal office at No. 1 Leggett Road, Carthage, Missouri 64836 (“Company”) and
                    , having its principal office at
                                        
(“Bank”). 
  
 WHEREAS, the parties have executed
and delivered that certain Revolving Credit Agreement, dated as of August 23, 2002 (the “Revolving Credit Agreement”); 
  
 WHEREAS, the Company has requested and the Bank has agreed that the Revolving Credit Agreement be amended as herein provided; 
  
 NOW, THEREFORE, in consideration of the foregoing and other good and valuable
consideration, the receipt and legal sufficiency of which are hereby acknowledged, the parties, intending to be legally bound hereby, agree as follows: 
  
 A. Amendment to Certain Definitions contained in Section 1.1. 
  
 1. The definition of “Termination Date” is hereby amended and restated in its entirety as
follows: 
  
 “Termination Date shall mean July 31, 2008, as
such date may be extended upon written request of the Company and with the written consent of the Bank. The Company may request an extension of the Termination Date for the Revolving Credit Commitment on any date during the period commencing July
31, 2005 and ending on July 31, 2006. The Bank shall notify the Company of its decision to extend or not extend the Termination Date not more than 30 days after the date of the Company’s notice. A failure by the Bank to timely notify the
Company of its decision shall be deemed a denial of consent. If the Bank consents to a request by the Company for an extension, then the Termination Date shall be extended to July 31 in the year which is 2 years after the Termination Date in effect
at the time of the Company’s request.” 
  
 B.
Miscellaneous. 
  

	 	B.1	Upon and after the effective date hereof, each reference to the Revolving Credit Agreement in the Revolving Credit Agreement shall mean and be a reference to the Revolving Credit
Agreement as amended by this Amendment. 

  

	 	B.2	Capitalized terms not otherwise defined herein shall have the same meanings ascribed to them in the Revolving Credit Agreement. 

  

 1 

	 	B.3	Except as specifically amended herein, the Revolving Credit Agreement shall remain in full force and effect and is hereby ratified and affirmed. 

  

	 	B.4	This Amendment and the Revolving Credit Agreement will be construed in accordance with and be governed by the laws of the State of
                     and the applicable laws of the United States of America. 

  

	 	B.5	This Amendment may be executed in counterparts, each of which shall be deemed an original and all of which taken together shall constitute one and the same document. Delivery of
this Amendment may be made by telecopy of a duly executed counterpart copy hereof. 

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

  

							
	ATTEST:	 	LEGGETT & PLATT, INCORPORATED
				
	By:	 	  

	 	By:	 	  

	Name:	 	 	 	Name:	 	 
	Title:	 	 	 	Title:	 	 
			
	 	 	 	 	[BANK NAME]
				
	 	 	 	 	By:	 	  

	 	 	 	 	Name:	 	  

	 	 	 	 	Title:	 	  

  

 2 

 AMENDMENT NO. 2 TO REVOLVING CREDIT AGREEMENT 
 (5-Year Facility) 
  
 THIS AMENDMENT NO. 2 TO REVOLVING CREDIT AGREEMENT (this “Amendment”) is entered into as of August 27, 2004 between LEGGETT & PLATT,
INCORPORATED, a Missouri corporation, having its principal office at No. 1 Leggett Road, Carthage, Missouri 64836 (“Company”) and
                    , having its principal office at
                                        
(“Bank”). 
  
 WHEREAS, the parties have executed
and delivered that certain Revolving Credit Agreement, dated as of August 23, 2002, as amended August 22, 2003 (the “Revolving Credit Agreement”); 
  
 WHEREAS, the Company has requested and the Bank has agreed that the Revolving Credit Agreement be amended as herein provided; 
  
 NOW, THEREFORE, in consideration of the foregoing and other good and valuable
consideration, the receipt and legal sufficiency of which are hereby acknowledged, the parties, intending to be legally bound hereby, agree as follows: 
  
 A. Amendment to Certain Definitions contained in Section 1.1. 
  
 1. The definition of “364-Day Agreement” is hereby deleted in its entirety. 
  
 2. The definition of “Applicable Rate” is
hereby amended and restated in its entirety as follows: 
  
 “Applicable Rate“ means, for any day, with respect to any Loan, with respect to the facility fees payable hereunder, and with respect to the utilization fees, if any, payable hereunder, as the case may be, the applicable
rate per annum set forth below under the caption “LIBO Spread” (“LIBO Spread”), “Facility Fee Rate” or “Utilization Fee Rate”, as the case may be, based upon the higher of the ratings by S&P and
Moody’s, respectively, applicable on such date to the Index Debt. 
  

										
	 Index Debt Ratings
 S&P/Moody’s

	  	 LIBO
 Spread

	 	 	 Facility
 Fee Rate

	 	 	 Utilization
 Fee Rate

	 
	 Level 1
 A or A2 or above
	  	0.32	%	 	0.07	%	 	0.15	%
	 Level 2
 A- or A3
	  	0.40	%	 	0.10	%	 	0.20	%
	 Level 3
 BBB+ or Baa1
	  	0.50	%	 	0.15	%	 	0.25	%
	 Level 4
 BBB or Baa2
	  	0.575	%	 	0.20	%	 	0.30	%
	 Level 5
 Lower than
 BBB and Baa2, or unrated
	  	0.725	%	 	0.25	%	 	0.35	%

  
 For purposes of the
foregoing, if the ratings established or deemed to have been established by Moody’s and S&P for the Index Debt shall be changed (other than as a result of a change in the rating system of Moody’s or S&P), such change shall be

  

 1 

 effective as of the date on which it is first announced by the applicable rating agency. Each change in
the Applicable Rate shall apply during the period commencing on the effective date of such change and ending on the date immediately preceding the effective date of the next such change. If the rating system of Moody’s or S&P shall change,
or if either such rating agency shall cease to be in the business of rating corporate debt obligations, the Company and the Bank shall negotiate in good faith to amend this definition to reflect such changed rating system or the unavailability of
ratings from such rating agency and, pending the effectiveness of any such amendment, the Applicable Rate shall be determined by reference to the rating most recently in effect prior to such change or cessation. 
  
 3. The definition of “Termination Date” is
hereby amended and restated in its entirety as follows: 
  
 “Termination Date” shall mean July 31, 2009, as such date may be extended upon written request of the Company and with the written consent of the Bank. 
  
 4. Section 2.1(c), “Financial Condition” is hereby amended and restated in its entirety as
follows: 
  

	 	(c)	Financial Condition. The consolidated balance sheet of the Company and its Subsidiaries as of December 31, 2003, and the consolidated statements of income and financial
condition of the Company and its Subsidiaries as of said date as heretofore furnished to Bank are complete and accurate in all material respects and fairly present the consolidated financial condition of the Company and its Subsidiaries as of the
date of such balance sheet and the results of their operations for the period ending on said date. To the best of the Company’s knowledge and belief, neither the Company nor any of its Subsidiaries had, on December 31, 2003, any contingent
liabilities, liabilities for taxes, unusual forward or long-term commitments, or unrealized or anticipated losses from any unfavorable commitments which are substantial in amount in relation to the consolidated financial condition of the Company and
its Subsidiaries, except as referred to or reflected or provided for in said consolidated balance sheet and statement of financial condition as of December 31, 2003. Since said date there has occurred no change in the business, operations, affairs,
financial condition, assets or properties of the Company and its Subsidiaries which could reasonably be expected to have a Material Adverse Effect. 

  
 5. The first paragraph of Section 3.1, “Description of Revolving Credit” is amended and
restated in its entirety as follows: 
  
 Description of
Revolving Credit. Bank agrees, on the terms of this Agreement, to make Loans to Company pursuant to this Section 3 from time to time prior to the Termination Date, at such time or times and in such amounts as to each Loan as Company shall
request up to but not exceeding in aggregate principal amount at any one time outstanding the sum of                     
($                    ). The obligation of Bank to make Loans to Company under this Section 3 up to such aggregate amount at any one time
outstanding is hereinafter called Bank’s “Revolving Credit Commitment.” 
  

 2 

 6. Section 7.5, “Character of Business” is amended and restated in its
entirety as follows: 
  
 Character of Business. Will
continue to carry on substantially the same type of business carried on during the fiscal year ended December 31, 2003, and businesses reasonably related thereto; and will not engage in any business which would materially change the type of business
previously conducted on a consolidated basis. 
  
 7. Section 8.1(a), “Events of Default” is amended and restated in its entirety as follows: 
  
 (a) The Borrower shall fail to pay when due (i) any principal of any Loan, or (ii) shall fail to pay any interest on any Loan within five (5) Business
Days after such interest shall become due, or shall fail to pay any fee or other amount payable hereunder within five (5) Business Days after such fee or other amount becomes due; or 
  
 B. Miscellaneous. 
  

	 	B.1	Upon and after the effective date hereof, each reference to the Revolving Credit Agreement in the Revolving Credit Agreement shall mean and be a reference to the Revolving Credit
Agreement as amended by this Amendment. 

  

	 	B.2	Capitalized terms not otherwise defined herein shall have the same meanings ascribed to them in the Revolving Credit Agreement. 

  

	 	B.3	Except as specifically amended herein, the Revolving Credit Agreement shall remain in full force and effect and is hereby ratified and affirmed. 

  

	 	B.4	This Amendment and the Revolving Credit Agreement will be construed in accordance with and be governed by the laws of the State of
                     and the applicable laws of the United States of America. 

  

	 	B.5	This Amendment may be executed in counterparts, each of which shall be deemed an original and all of which taken together shall constitute one and the same document. Delivery of
this Amendment may be made by telecopy of a duly executed counterpart copy hereof. 

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

  

							
	ATTEST:	 	LEGGETT & PLATT, INCORPORATED
				
	By:	 	  

	 	By:	 	  

	Name:	 	 	 	Name:	 	 
	Title:	 	 	 	Title:	 	 
			
	 	 	 	 	[BANK]
				
	 	 	 	 	By:	 	  

	 	 	 	 	Name:	 	  

	 	 	 	 	Title:	 	  

  

 3Fourth Amendment to Credit Agreement

 Exhibit 10.55(a) 
  
 LEVI STRAUSS & CO. 
 LEVI STRAUSS FINANCE CENTER CORPORATION 
  
 FOURTH AMENDMENT TO CREDIT AGREEMENT 
  
 This FOURTH AMENDMENT TO CREDIT AGREEMENT (this “Amendment”) is dated as of August 13, 2004 and entered into by and among Levi Strauss & Co., a Delaware corporation (
“LS&Co”), Levi Strauss Financial Center Corporation, a Delaware corporation (“LSFCC” and, together with LS&Co, the “Borrowers”), the financial institutions listed on the signature pages
hereof (the “Lenders”), and Bank of America, N.A., as agent for the Lenders (the “Agent”), and, for purposes of Section 5 hereof, the Loan Parties other than the Borrowers listed on the signature pages hereof
(the “Subsidiary Parties”), and is made with reference to that certain Credit Agreement dated as of September 29, 2003, as amended by that First Amendment to Credit Agreement dated as of September 30, 2003, that Second Amendment to
Credit Agreement dated as of October 14, 2003 and that Third Amendment to Credit Agreement and Limited Waiver dated as of March 18, 2004 (the “Credit Agreement”), by and among the parties thereto. Capitalized terms used herein
without definition shall have the same meanings herein as set forth in the Credit Agreement. 
  
 RECITALS 
  
 WHEREAS, LS&Co has proposed to sell its Dockers® and Slates® business
worldwide (including, without limitation, all Dockers® and Slates®
receivables, inventory and intangible assets (including Dockers® IP Rights and Slates® IP Rights)) (the “Transaction”) and has requested that the Majority Lenders agree to amend certain covenants contained in Article 7 of the Credit Agreement to permit the Transaction and to amend
certain other provisions of the Credit Agreement, in each case as provided herein.  
  
 WHEREAS, the Majority Lenders are, on the terms and conditions stated below, willing to grant the request of LS&Co and LS&Co and the Majority Lenders have agreed to amend the Credit Agreement as
hereinafter set forth. 
  
 NOW, THEREFORE, in consideration
of the premises and the agreements, provisions and covenants herein contained, the parties hereto agree as follows: 
  
 Section 1. AMENDMENTS TO THE CREDIT AGREEMENT 
  
 1.1 The Credit Agreement is, effective as of the date hereof and subject to the satisfaction of the conditions precedent set forth in Section 3.1 of this
Amendment, hereby amended as follows: 
  
 (a) Section 1.3(a) of
the Credit Agreement is amended by inserting immediately after the term “Existing Letter of Credit” the following: 
  
 “and any Cash Collateralized Letter of Credit” 
  
 (Fourth Amendment to Credit Agreement) 

 (b) Section 1.3(b) of the Credit Agreement is amended by (i) deleting the word “or” at the end
of Section 1.3(b)(ii) and (ii) adding the following immediately before the period at the end of Section 1.3(b)(iii): 
  
 “; or (iv) in the case of any Cash Collateralized Letter of Credit (A) the sum of the maximum face amount of the requested Cash Collateralized
Letter of Credit plus the aggregate undrawn amount of all outstanding Cash Collateralized Letters of Credit plus, without duplication, the aggregate unpaid reimbursement obligations with respect to all Cash Collateralized Letters of
Credit, is greater than (B) the aggregate amount of cash and Cash Equivalents held at such time in the Cash Collateralized Letter of Credit Account” 
  
 (c) Section 1.3(c)(1) of the Credit Agreement is amended by (i) deleting the word “and” in the parenthetical in such Section and (ii) adding the
following immediately before the end of such parenthetical: 
  
 “and whether the Letter of Credit to be issued is a Cash Collateralized Letter of Credit” 
  
 (d) Section 1.3(g)(1) of the Credit Agreement is amended by inserting immediately before the period at the end of the first sentence thereof the
following: 
  
 “, less the aggregate amount of cash and
Cash Equivalents held on such date in the Cash Collateralized Letter of Credit Account” 
  
 (e) Section 1.3 of the Credit Agreement is further amended by inserting the following as new Section 1.3(h): 
  
 “(h) Authorization to Apply Proceeds from Cash Collateralized Letter of Credit Account to Obligations Relating to Cash Collateralized Letters of
Credit. The Borrowers hereby authorize the Agent (without obligation) to apply any amount in the Cash Collateralized Letter of Credit Account to pay (or reimburse any payment of) any drawing on a Cash Collateralized Letter of Credit.”

  
 (f) Section 2.6 of the Credit Agreement is amended to read in
full as follows: 
  
 “2.6 Letter of Credit Fee. The
Borrowers agree to pay: 
  
 (a) to the Agent, for the account of
the Lenders, in accordance with their respective Pro Rata Shares (i) for each Letter of Credit (excluding Cash Collateralized Letters of Credit), a fee (the “Letter of Credit Fee”) equal to two and three quarters percent (2.75%) per
annum and (ii) for each Cash Collateralized Letter of Credit, a fee (the “Cash Collateralized Letter of Credit Fee”) equal to one and one quarter percent (1.25%) per annum; 
  

			
	2	 	(Fourth Amendment to Credit Agreement)

 (b) to the Agent for the benefit of the Letter of Credit Issuer a fronting fee of one-eighth of one
percent (0.125%) per annum of the undrawn face amount of each Letter of Credit; and 
  
 (c) to the Letter of Credit Issuer, all out-of-pocket costs, fees and expenses incurred by the Letter of Credit Issuer in connection with the application for, processing of, issuance of, or amendment to any Letter of
Credit, which costs, fees and expenses shall include a “fronting fee” payable to the Letter of Credit Issuer. 
  
 The Letter of Credit Fee and the Cash Collateralized Letter of Credit Fee, as applicable, shall be payable monthly in arrears on the first day of each
month following any month in which a Letter of Credit is outstanding and on the Termination Date. The Letter of Credit Fee and the Cash Collateralized Letter of Credit Fee each shall be computed on the basis of a 360-day year for the actual number
of days elapsed.” 
  
 (g) Section 3.7 of the Credit Agreement
is amended by amending clause “sixth” in the second sentence thereof to read in full as follows: 
  
 “sixth, to pay an amount to the Agent equal to one hundred and five percent (105%) of the greatest amount for which all outstanding Letters
of Credit and Credit Supports may be drawn plus any fees and expenses associated with such Letters of Credit and Credit Supports, to be held as cash collateral for such Obligations, less the aggregate amount of cash and Cash Equivalents held on such
date in the Cash Collateralized Letter of Credit Account” 
  
 (h) Section 7.33(b) of the Credit Agreement is amended by inserting before the period at the end of the last sentence thereof the following: 
  
 “; provided, further, that LS&Co may once, in its sole discretion at any time prior to March 31, 2005, by notice to the Agent
reduce the required amount of Availability referenced in the foregoing proviso to $100,000,000, and such required amount of Availability automatically shall be so reduced effective from and after the Notice Date, provided, however,
that if following the Notice Date and before the date that is 90 days after the Notice Date LS&Co has not voluntarily reduced the Commitments in accordance with Section 3.2(b) by at least $200,000,000, then such required amount of
Availability automatically shall increase to $150,000,000 effective as of the date that is 90 days after the Notice Date” 
  
 (i) Article 7 of the Credit Agreement is further amended by inserting the following as new Section 7.35: 
  
 “7.35 Borrowing Base Cash Collateral Account; Cash Collateralized
Letter of Credit Account. 
  
 (a) On each Business Day that
any cash or Cash Equivalents in the Borrowing Base Cash Collateral Account is included in the Borrowing Base, LS&Co shall 
  

			
	3	 	(Fourth Amendment to Credit Agreement)

 deliver to the Agent, in such detail as the Agent shall request, information identifying the amounts of cash and Cash
Equivalents held as of the end of the immediately preceding Business Day in each account included in the Borrowing Base Cash Collateral Account. 
  
 (b) No Borrower shall, nor shall any Borrower permit any of its Subsidiaries or the LS&Co Trust to, withdraw any cash or Cash Equivalents from the
Borrowing Base Cash Collateral Account unless: 
  
 (i) Subject
to Section 7.35(d), LS&Co has provided the Agent with at least one Business Day prior notice of such withdrawal; and 
  
 (ii) after giving effect to such withdrawal, the Aggregate Revolver Outstandings do not exceed Availability. 
  
 (c) No Borrower shall, nor shall any Borrower permit any of its Subsidiaries
or the LS&Co Trust to, withdraw any cash or Cash Equivalents from the Cash Collateralized Letter of Credit Account unless: 
  
 (i) LS&Co has provided the Agent with at least one Business Day prior notice of such withdrawal; 
  
 (ii) after giving effect to such withdrawal (i) the sum of the aggregate
undrawn amount of all outstanding Cash Collateralized Letters of Credit plus, without duplication, the aggregate unpaid reimbursement obligations with respect to all Cash Collateralized Letters of Credit, does not exceed (ii) the aggregate
amount of cash and Cash Equivalents held in the Cash Collateralized Letter of Credit Account; and 
  
 (iii) after giving effect to such withdrawal, the Aggregate Revolver Outstandings do not exceed Availability. 
  
 (d) If on any date Availability is less than $100,000,000, then on such date
the Borrowers shall deposit, or shall cause to be deposited, in the Cash Collateralized Letter of Credit Account all amounts of cash and Cash Equivalents in the Borrowing Base Cash Collateral Account that are included in the Borrowing Base, and for
the period beginning on such date and ending on the next Business Day that Availability is greater than $100,000,000 the Borrowers shall maintain all such amounts (but only to the extent such amounts are included in the Borrowing Base) in the Cash
Collateralized Letter of Credit Account.” 
  
 (j) Section
9.1(c) of the Credit Agreement is amended by amending clause (i) thereof to read in full as follows: 
  
 “(i) any default shall occur in the observance or performance of any of the covenants and agreements contained in Sections 5.2(h),
5.3, 7.2, 7.5, 7.12 through 7.33, or 7.35 or Section 11 of the Pledge and Security Agreement,” 
  

			
	4	 	(Fourth Amendment to Credit Agreement)

 (k) Section 9.2(a) of the Credit Agreement is amended by amending clause (C) thereof to read in full as
follows: 
  
 “(C) require the Borrowers to cash
collateralize all obligations under all outstanding Letters of Credit and Credit Supports by paying an amount to the Agent equal to one hundred and five percent (105%) of the greatest amount for which such Letters of Credit and Credit Supports may
be drawn plus any fees and expenses associated with such Letters of Credit and Credit Supports, less the aggregate amount of cash and Cash Equivalents held on such date in the Cash Collateralized Letter of Credit Account” 
  
 (l) Annex A to the Credit Agreement is amended: 
  
     (i) by amending the definitions of
“Borrowing Base” and “Default Rate” to read in full as follows, respectively: 
  
 “‘Borrowing Base’ means, at any time, an amount equal to (a) the sum of (i) eighty five percent (85%) of the Net Amount of Eligible
Accounts; plus (ii) fifty percent (50%) of the value of Eligible Inventory that is in the form of raw materials; plus (iii) the lesser of (A) (1) ninety percent (90%) of the lower of cost or current market value of Eligible Inventory
that is in the form of finished goods (excluding Genco Goods) plus (2) fifty percent (50%) of the lower of cost or current market value of Eligible Inventory that is in the form of Genco Goods and (B) eighty percent (80%) of the appraised net
liquidation value of Eligible Inventory that is in the form of finished goods (including Genco Goods); plus (iv) one hundred percent (100%) of the value of cash and Cash Equivalents collectively held in the Borrowing Base Cash Collateral
Account and the Cash Collateralized Letter of Credit Account; minus (b) Reserves from time to time established by the Agent in its reasonable credit judgment; provided that the aggregate Revolving Loans advanced against Eligible
Inventory shall not exceed the Maximum Inventory Loan Amount.” 
  
 “‘Default Rate’ means a fluctuating per annum interest rate at all times equal to the sum of (a) the otherwise applicable Interest Rate plus (b) two percent (2%) per annum. Each Default Rate shall be adjusted
simultaneously with any change in the applicable Interest Rate. In addition, the Default Rate shall result in an increase in each of the Letter of Credit Fee and the Cash Collateralized Letter of Credit Fee by two percentage points per
annum.” 
  
     (ii) by amending clause (c)(ii) of the definition of “Minimum Condition” by inserting at the end thereof the following: 
  
 “ provided, further, that LS&Co may once, in its sole discretion at any time prior to March 31,
2005, by notice to the Agent reduce the required amounts of average daily Availability and current Availability referenced in this clause (ii) to $100,000,000, and upon the Agent’s receipt of such notice such required amounts of average daily
Availability and current Availability automatically shall be deemed so reduced through and including the Stated Termination Date, provided, however, that if following the Notice Date and before the date 90 days after the Notice Date
LS&Co has not voluntarily reduced the Commitments in accordance 
  

			
	5	 	(Fourth Amendment to Credit Agreement)

 with Section 3.2(b) by at least $200,000,000, then such required amounts of average daily Availability and current
Availability automatically shall increase to $150,000,000 with effect as of the date 90 days after the Notice Date;”, and 
  
     (iii) by adding the following definitions, which shall be inserted in the correct alphabetical order: 

 
 “‘Borrowing Base Cash Collateral Account’ means,
collectively, one or more accounts of LS&Co, as designated from time to time by written notice from LS&Co to the Agent, held with financial institutions and subject to control agreements that (a) grant the Agent the right to assert control
over such account or accounts at any time during which Availability is less than $100,000,000 and (b) are otherwise satisfactory in form and substance to the Agent.” 
  
 “‘Cash Collateralized Letter of Credit’ means a Letter of Credit requested to be issued as a Cash
Collateralized Letter of Credit in accordance with Section 1.3(c)(1) and otherwise issued in accordance with the conditions hereunder applicable to a Cash Collateralized Letter of Credit.” 
  
 “‘Cash Collateralized Letter of Credit Account’ means,
collectively, one or more accounts of LS&Co held with the Bank and subject to blocked account agreements satisfactory in form and substance to the Agent.” 
  
 “‘Cash Collateralized Letter of Credit Fee’ has the meaning specified in Section 2.6.”

  
 “‘Notice Date’ means the date of
receipt by the Agent of the notice from LS&Co contemplated pursuant to Section 7.33(b) and clause (c)(ii) of the definition of ‘Minimum Condition’.” 
  
 1.2 The Credit Agreement is, effective as of the date of satisfaction of the conditions precedent set forth in Section 3.2 of this
Amendment, hereby amended as follows: 
  
 (a) Section 7.17 of the
Credit Agreement is amended by (i) deleting the word “and” at the end of Section 7.17(o) and (ii) adding the following as new Sections 7.17(q) and (r): 
  
 “(q) extensions of credit to the purchaser or purchasers of the Dockers® and Slates® business in connection with the Dockers® Transaction (i) that remain outstanding for a period not to exceed 60 days from the closing date of the Dockers® Transaction or (ii) relating to the performance of any
transition services agreement or similar agreement entered into with such purchaser or purchasers; and 
  
 (r) Investments by LS&Co in any of its Subsidiaries and Investments by any of its Subsidiaries in LS&Co or any of its other Subsidiaries
resulting from a Disposition permitted under Section 7.20(r);”  
  

			
	6	 	(Fourth Amendment to Credit Agreement)

 (b) Section 7.18(c) of the Credit Agreement is amended by (i) deleting the word “and” at the
end of Section 7.18(c)(xvii), (ii) adding the word “and” at the end of Section 7.18(c)(xviii) and (iii) adding the following as new Section 7.18(c)(xix): 
  
 “(xix) Debt of LS&Co to any of its Subsidiaries or Debt of any of its Subsidiaries to LS&Co or any of its
other Subsidiaries resulting from a Disposition permitted under Section 7.20(r);” 
  
 (c) Section 7.19(f) of the Credit Agreement is amended by deleting the words “or 7.20(m)” at the end thereof and replacing those words with the following: 
  
 “, 7.20(m) or 7.20(r).” 
  
 (d) Section 7.20 of the Credit Agreement is amended by (i) deleting the word
“and” at the end of Section 7.20(o), (ii) adding the word “and” at the end of Section 7.20(q) and (iii) adding the following as new Section 7.20(r): 
  
 “(r) the Dockers® Transaction; provided that (i) at the time of any such Disposition, no Default or Event of Default shall exist or shall result from such
Disposition; (ii) the consideration received for such Disposition shall be in an amount at least equal to the fair market value of the assets sold, transferred, licensed or otherwise disposed of; (iii) at least seventy five percent (75%) of the
consideration received for such Disposition shall be cash; and (iv) the fair market value of the Collateral (excluding pledged equity of Subsidiaries of LS&Co) immediately after giving pro forma effect to the Dockers® Transaction and any intercompany Investments and intercompany Debt resulting
from the Dockers® Transaction shall be no less than
the fair market value of the Collateral (excluding pledged equity of Subsidiaries of LS&Co) immediately before giving effect to the Dockers® Transaction and any intercompany Investments and intercompany Debt resulting from the Dockers® Transaction;” 
  
 (e) Section 7.27 of the Credit Agreement is amended by (i) deleting the word “and” immediately after Section
7.27(h), (ii) deleting the period at the end of Section 7.27(i) and substituting “; and” therefor, and adding the following as new Section 7.27(j): 
  

“(j) the prepayment or other satisfaction of Debt prior to the scheduled maturity thereof with all or any part of the Dockers® Proceeds.” 
  
 (f) Section 7.27 of the Credit Agreement is further amended by adding the
following sentence at the end thereof: 
  
 “Notwithstanding
and in addition to the foregoing provisions of this Section 7.27 (but subject to Section 3.3), LS&Co and any of its Subsidiaries may apply the Net Proceeds of Dispositions permitted pursuant to Section 7.20 to prepay,
redeem, purchase, repurchase, defease or otherwise satisfy prior to the scheduled maturity thereof any Debt, provided that the aggregate amount of such Net Proceeds so applied shall not exceed $50,000,000 in any Fiscal Year.” 

 

			
	7	 	(Fourth Amendment to Credit Agreement)

 (g) Annex A to the Credit Agreement is amended by adding the following definitions, which shall be
inserted in the correct alphabetical order: 
  
 “‘Dockers®
Proceeds’ means cash payments (including any cash received by way of deferred payment pursuant to, or by monetization of, a note receivable or otherwise, but only as and when so received) received by LS&Co or any of its
Subsidiaries from the Dockers® Transaction, less
(a) transaction costs, fees and expenses payable in connection with the Dockers® Transaction (including any fees paid in connection with any amendments to financing arrangements to give effect thereto) and (b) income taxes reasonably estimated to be paid in cash as a result of any gain recognized
in connection with the Dockers® Transaction.”

  
 “‘Dockers® Transaction’ means the Disposition by LS&Co or any of its Subsidiaries in
one or more transactions of all or any part of the Dockers® and Slates® business
worldwide (including, without limitation, the Disposition of all Dockers® and Slates®
receivables, inventory and intangible assets (including Dockers® IP Rights and Slates® IP Rights) and the entry into and performance of related transition services agreements or similar agreements).” 
  
 (h) Exhibit A (Borrowing Base Certificate) is amended in full to read as set forth on Exhibit A to this Amendment. 
  
 Section 2. LIMITED WAIVER 
  
 At the request of the Borrowers the undersigned Lenders, constituting
Majority Lenders under the Credit Agreement, hereby waive compliance with the provisions of Section 7.30 of the Credit Agreement to the extent, and only to the extent, necessary to permit LS&Co to amend Section 2.06 of the Term Loan Facility to
read in full as set forth on Annex A hereto. 
  
 Without
limiting the generality of the provisions of Section 11.1 of the Credit Agreement, the waiver set forth herein shall be limited precisely as written and relates solely to the noncompliance by LS&Co with the provisions of Section 7.30 of the
Credit Agreement in the manner and to the extent described above, and nothing in this Amendment shall be deemed to (a) constitute a waiver of compliance by any Borrower with respect to (i) Section 7.30 of the Credit Agreement in any other instance
or (ii) any other term, provision or condition of the Credit Agreement or any other instrument or agreement referred to therein or (b) prejudice any right or remedy that the Agent or any Lender may now have or may have in the future under or in
connection with the Credit Agreement or any other instrument or agreement referred to therein. 
  
 Section 3. CONDITIONS OF EFFECTIVENESS 
  
 3.1 Section 1.1 of this Amendment shall be effective as of the date hereof upon (a) receipt by the Agent of counterparts of this Amendment executed by the Borrowers and the Majority Lenders or, as to any of the Lenders, advice
satisfactory to the Agent that such Lender has executed this Amendment and (b) receipt by the Agent of a fee of $975,000, to be distributed by 
  

			
	8	 	(Fourth Amendment to Credit Agreement)

 the Agent ratably to each Lender that executes and delivers this Amendment no later than 5:00 p.m. New York time on
August 13, 2004. 
  
 3.2 Section 1.2 of this Amendment shall be effective
as of the date of satisfaction of the conditions set forth under Section 3.1 hereof in addition to the following conditions: 
  
 (a) receipt by the Agent of a certificate from LS&Co that all material conditions to the consummation of the Dockers® Transaction (other than this Amendment and an amendment to the Term Loan
Facility to, among other things, consent to the Dockers® Transaction (the “Term Loan Facility Amendment”)) have been satisfied or waived and that the Dockers® Transaction will be consummated promptly after the effectiveness of this Amendment; and 
  
 (b) receipt by the Agent of a fully executed copy of the Term Loan Facility Amendment. 
  
 Section 4. COMPANY’S REPRESENTATIONS AND WARRANTIES 
  
 In order to induce the Lenders to enter into this Amendment and to amend the
Credit Agreement in the manner provided herein, each Borrower represents and warrants to each Lender that the following statements are true, correct and complete: 
  
 A. Due Incorporation, Valid Existence and Good Standing; Corporate Power and Authority. Each Borrower is a
corporation duly incorporated, validly existing and in good standing under the laws of the State of Delaware. Each Borrower has all requisite corporate power and authority to enter into this Amendment and to carry out the transactions contemplated
by, and perform its obligations under, the Credit Agreement as amended by this Amendment (the “Amended Agreement”). 
  
 B. Authorization of Agreements. The execution and delivery of this Amendment and the performance of the Amended Agreement have been duly authorized
by all necessary corporate action on the part of each Borrower. 
  
 C. No Conflict. The execution and delivery by each Borrower of this Amendment and the performance by each Borrower of the Amended Agreement do not and will not conflict with, or constitute a violation or breach of, or result in the
imposition of any Lien upon the property of such Borrower, by reason of the terms of (a) any contract, mortgage, lease, agreement, indenture, or instrument to which such Borrower is a party or which is binding upon it, (b) any Requirement of Law
applicable to such Borrower, or (c) the certificate or articles of incorporation or by-laws of such Borrower. 
  
 D. Governmental Consents. No approval, consent, exemption, authorization, or other action by, or notice to, or filing with, any Governmental
Authority is necessary or required in connection with the execution and delivery by, or enforcement against, any Borrower of this Amendment, or the performance by, or enforcement against, any Borrower of the Amended Agreement. 
  

			
	9	 	(Fourth Amendment to Credit Agreement)

 E. Binding Obligation. This Amendment has been duly executed and delivered by each Borrower and
this Amendment and the Amended Agreement constitute the legal, valid and binding obligations of each Borrower, enforceable against each Borrower in accordance with their respective terms, except as may be limited by applicable bankruptcy, insolvency
or similar laws affecting the enforcement of creditors’ rights generally or by equitable principles relating to enforceability. 
  
 F. Absence of Default. No event has occurred and is continuing or will result from the consummation of the transactions contemplated by this
Amendment that would constitute an Event of Default or a Default. 
  
 Section
5. ACKNOWLEDGEMENT AND CONSENT 
  
 Each Subsidiary Party
hereby acknowledges and agrees that the Subsidiary Guaranty and each of the Collateral Documents (collectively, the “Credit Support Documents”) to which it is a party or otherwise bound shall continue in full force and effect and
that all of its obligations thereunder shall be valid and enforceable and shall not be impaired or limited by the execution or effectiveness of this Amendment. Each Subsidiary Party represents and warrants that all representations and warranties
contained in the Amended Agreement and the Credit Support Documents to which it is a party or otherwise bound are true, correct and complete in all material respects on and as of the Fourth Amendment Effective Date to the same extent as though made
on and as of that date, except to the extent such representations and warranties specifically relate to an earlier date, in which case they were true, correct and complete in all material respects on and as of such earlier date. 
  
 Each Subsidiary Party acknowledges and agrees that (i) notwithstanding the
conditions to effectiveness set forth in this Amendment, such Subsidiary Party is not required by the terms of the Credit Agreement or any other Loan Document to consent to the amendments to the Credit Agreement effected pursuant to this Amendment
and (ii) nothing in the Credit Agreement, this Amendment or any other Loan Document shall be deemed to require the consent of such Subsidiary Party to any future amendments to the Credit Agreement. 
  
 Section 6. MISCELLANEOUS 
  
 A. Reference to and Effect on the Credit Agreement and the Other Loan
Documents. 
  
 (i) On and after the Fourth Amendment
Effective Date, each reference in the Credit Agreement to “this Agreement”, “hereunder”, “hereof”, “herein” or words of like import referring to the Credit Agreement, and each reference in the other Loan
Documents to the “Credit Agreement”, “thereunder”, “thereof” or words of like import referring to the Credit Agreement shall mean and be a reference to the Amended Agreement. 
  

			
	10	 	(Fourth Amendment to Credit Agreement)

     (ii) Except as specifically amended by this Amendment, the Credit
Agreement and the other Loan Documents shall remain in full force and effect and are hereby ratified and confirmed. 
  
     (iii) The execution, delivery and performance of this Amendment shall not, except as expressly provided herein,
constitute a waiver of any provision of, or operate as a waiver of any right, power or remedy of the Agent or any Lender under, the Credit Agreement or any of the other Loan Documents. 
  
 B. Fees and Expenses. Each Borrower acknowledges that all costs, fees and expenses as described in Section
13.7 of the Credit Agreement incurred by the Agent and its counsel with respect to this Amendment and the documents and transactions contemplated hereby shall be for the account of the Borrowers. 
  
 C. Headings. Section and subsection headings in this Amendment are
included herein for convenience of reference only and shall not constitute a part of this Amendment for any other purpose or be given any substantive effect. 
  
 D. Applicable Law. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF CALIFORNIA APPLICABLE TO
AGREEMENTS MADE AND TO BE PERFORMED ENTIRELY WITHIN SUCH STATE; PROVIDED THAT THE AGENT AND EACH LENDER SHALL RETAIN ALL RIGHTS ARISING UNDER FEDERAL LAW. 
  
 E. Counterparts. This Amendment may be executed in any number of counterparts, and by each party hereto in separate
counterparts, each of which shall be an original, but all of which shall together constitute one and the same agreement; signature pages may be detached from multiple separate counterparts and attached to a single counterpart so that all signature
pages are physically attached to the same document. This Amendment may be transmitted and/or signed by telefacsimile. The effectiveness of any such signatures shall, subject to applicable law, have the same force and effect as an original copy with
manual signatures and shall be binding on the Borrowers, the Agent and all Lenders. The Agent may also require that any such signature be confirmed by a manually-signed copy thereof; provided, however, that the failure to request or
deliver any such manually-signed copy shall not affect the effectiveness of any facsimile signature. 
  
 [Remainder of page intentionally left blank] 
  

			
	11	 	(Fourth Amendment to Credit Agreement)

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed as of the
date first written above. 
  

			
	BORROWERS:
	
	LEVI STRAUSS & CO.
		
	 By:
	 	 /s/ Joseph M.Maurer

	 Name:
	 	Joseph M. Maurer
	 Title:
	 	Vice President and Treasurer
	
	LEVI STRAUSS FINANCIAL CENTER CORPORATION
		
	 By:
	 	 /s/ Joseph M.Maurer

	 Name:
	 	Joseph M. Maurer
	 Title:
	 	Treasurer

  

			
	S-1	 	(Fourth Amendment to Credit Agreement)

			
	SUBSIDIARY PARTIES:
	
	BATTERY STREET ENTERPRISES, INC.
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer
	
	LEVI STRAUSS GLOBAL FULFILLMENT
	SERVICES, INC.
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer
	
	LEVI STRAUSS GLOBAL
	OPERATIONS, INC.
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer
	
	LEVI STRAUSS INTERNATIONAL
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer
	
	LEVI STRAUSS INTERNATIONAL, INC.
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer

  

			
	S-2	 	(Fourth Amendment to Credit Agreement)

			
	LEVI’S ONLY STORES, INC.
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer
	
	NF INDUSTRIES, INC.
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer
	
	HARTWELL COMMODITIES GROUP
		
	By:	 	 /s/ Eileen VanEss

	Name:	 	Eileen VanEss
	Title:	 	Treasurer
	
	LEVI STRAUSS-ARGENTINA, LLC
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer
	
	LEVI STRAUSS RECEIVABLES FUNDING, LLC
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer
	
	LEVI STRAUSS SECURITIZATION CORP.
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer

  

			
	S-3	 	(Fourth Amendment to Credit Agreement)

			
	LEVI STRAUSS SERVICES INC.
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer
	
	LEVI STRAUSS, U.S.A., LLC
		
	By:	 	 /s/ Joseph M. Maurer

	Name:	 	Joseph M. Maurer
	Title:	 	Treasurer

  

			
	S-4	 	(Fourth Amendment to Credit Agreement)

			
	LENDERS:
	
	BANK OF AMERICA, N.A., as Agent
		
	 By:
	 	 /s/ Michael R. Williamson

	 Name:
	 	 Michael R. Williamson

	 Title:
	 	 Senior Vice President

	
	 BANK OF AMERICA, N.A., as a Lender and as
 Letter of Credit Issuer

		
	 By:
	 	 /s/ Michael R. Williamson

	 Name:
	 	 Michael R. Williamson

	 Title:
	 	 Senior Vice President

  

			
	S-5	 	(Fourth Amendment to Credit Agreement)

  
 [Other Lender Signature
Pages to Be Provided Separately] 
  

			
	S-6	 	(Fourth Amendment to Credit Agreement)

 EXHIBIT A 
  
 BORROWING BASE CERTIFICATE 
  

					
	 	 	Exhibit A-1      	 	(Fourth Amendment to Credit Agreement)

 ANNEX A 
  
 SECTION 2.06 OF THE TERM LOAN FACILITY 
  

			
	Annex A-1	 	(Fourth Amendment to Credit Agreement)

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