Document:

<PAGE>
                                                                   Exhibit 10.37

                                                                  EXECUTION COPY

                       FIRST AMENDMENT TO CREDIT AGREEMENT

     This FIRST AMENDMENT TO CREDIT AGREEMENT (this "Amendment") is made and
entered into as of this 19th day of January, 2005, by and among FOREST CITY
RENTAL PROPERTIES CORPORATION, an Ohio corporation (the "Borrower"), KEYBANK
NATIONAL ASSOCIATION, as Administrative Agent (the "Administrative Agent"),
NATIONAL CITY BANK, as Syndication Agent (the "Syndication Agent" and, together
with the Administrative Agent, the "Agents") and the banks party to the Credit
Agreement (as hereinafter defined) as of the date hereof (collectively, the
"Banks" and individually a "Bank"). Capitalized terms not otherwise defined
herein shall have the respective meanings attributed to them in the Credit
Agreement, as hereinafter defined.

                                   WITNESSETH:

     WHEREAS, the Borrower, the Banks and the Agents have previously entered
into a certain Credit Agreement dated as of March 22, 2004 (the "Credit
Agreement"); and

     WHEREAS, in connection with the Credit Agreement, Forest City Enterprises,
Inc. (the "Parent") made and entered into a certain Guaranty of Payment of Debt
in favor of the Agents and the Banks, dated as of March 22, 2004 (the
"Guaranty"); and

     WHEREAS, the Borrower, the Banks and the Agents desire to make certain
amendments to the Credit Agreement to acknowledge and allow the Parent to incur
additional Indebtedness of up to $150,000,000, subject to the terms and
conditions contained herein and in the First Amendment to Guaranty (as defined
below); and

     WHEREAS, the Banks and the Agents are willing to amend the Credit Agreement
and the Guaranty, on the respective terms and conditions set forth herein and in
the First Amendment to Guaranty of Payment of Debt of even date herewith (the
"First Amendment to Guaranty"), respectively, and such terms and conditions are
agreeable to the Borrower and to the Parent.

     NOW, THEREFORE, it is mutually agreed as follows:

     1. AMENDMENT TO ARTICLE I OF THE CREDIT AGREEMENT. Article I of the Credit
Agreement shall be amended as follows:

          (a) Amendment of Definition of "Senior Notes". The definition of
"Senior Notes" contained in Article I of the Credit Agreement shall be amended
by deleting it in its entirety and replacing it with the following:

               "Senior Notes" shall mean the 2003 Senior Notes, the 2004 Senior
          Notes and the 2005 Senior Notes.
<PAGE>
          (b) Addition of Definition of "2005 Senior Notes". Article I of the
Credit Agreement shall be amended by adding in its appropriate alphabetical
place, the following definition for "2005 Senior Notes":

               "2005 Senior Notes" shall mean the senior notes of the Parent to
          be issued on or about January 25, 2005, pursuant to the Indenture, in
          an original aggregate principal amount of up to $150,000,000.

     2. REPRESENTATIONS AND WARRANTIES. The Borrower represents and warrants to
the Agents and each of the Banks as follows:

          (a) INCORPORATION OF REPRESENTATIONS AND WARRANTIES. Each and every
representation and warranty made by the Borrower in Article IX of the Credit
Agreement is incorporated herein as if fully rewritten herein at length and is
true, correct and complete as of the date hereof (after giving effect to any
revisions to Schedule 9.22 or Schedule 9.23 that may have been delivered to the
Agents on or before the Amendment Closing Date (as hereinafter defined)).

          (b) REQUISITE AUTHORITY. The Borrower has all requisite power and
authority to execute and deliver and to perform its obligations in respect of
this Amendment and each and every other agreement, certificate, or document
required by this Amendment.

          (c) DUE AUTHORIZATION; VALIDITY. The Borrower has taken all necessary
action to authorize the execution, delivery, and performance by it of this
Amendment and every other instrument, document, and certificate relating
thereto. This Amendment has been duly executed and delivered by the Borrower and
is the legal, valid, and binding obligation of the Borrower enforceable against
it in accordance with its terms.

          (d) NO CONSENT. No consent, approval, or authorization of, or
registration with, any governmental authority or other Person is required in
connection with the execution, delivery and performance of this Amendment and
the transactions contemplated hereby.

          (e) NO DEFAULTS. No event has occurred and no condition exists which,
with the giving of notice or the lapse of time, or both, would constitute an
Event of Default or Possible Default under the Credit Agreement.

     3. CONDITIONS TO EFFECTIVENESS OF AMENDMENT.

          (a) CLOSING CONDITIONS. Except as otherwise expressly provided in this
Amendment, prior to or concurrently with the Amendment Closing Date (as
hereinafter defined), and as conditions precedent to the effectiveness of the
amendments to the Credit Agreement provided for herein, the following actions
shall be taken, all in form and substance satisfactory to the Agents and the
Banks and their respective counsel:

                                       2
<PAGE>
               (i) LOAN DOCUMENTS AND CORPORATE DOCUMENTS. The Borrower shall
deliver or cause to be delivered to the Agents and the Banks the following
documents, in all cases duly executed, and delivered by the Borrower and/or the
Parent, and/or certified, as the case may be:

                    (1) Certified copy of the resolutions of the board of
     directors of the Borrower evidencing approval of the execution, delivery
     and performance of this Amendment;

                    (2) Certified copy of the resolutions of the board of
     directors of the Parent evidencing approval of the execution, delivery and
     performance of the First Amendment to Guaranty and the 2005 Senior Notes;

                    (3) Copies of the 2005 Senior Notes duly executed by each of
     the parties thereto, certified as being true, accurate and complete by the
     secretary or assistant secretary of the Parent;

                    (4) A good standing certificate, dated as of a recent date,
     from the State of Ohio for the Borrower;

                    (5) A good standing certificate, dated as of a recent date,
     from the State of Ohio for the Parent;

                    (6) A certificate of the secretary or assistant secretary of
     the Borrower certifying the names of the officers of the Borrower
     authorized to sign this Amendment, together with the true signatures of
     such officers;

                    (7) A certificate of the secretary or assistant secretary of
     the Parent certifying the names of the officers of the Parent authorized to
     sign the First Amendment to Guaranty, together with the true signatures of
     such officers;

                    (8) Counterparts of this Amendment, executed and delivered
     by the Borrower, the Agents, and the Banks and of the Parent's
     Acknowledgement of this Amendment executed and delivered by the Parent;

                    (9) Copies of the Articles of Incorporation and Code of
     Regulations of the Borrower, certified by the secretary or the assistant
     secretary of the Borrower as being true and complete as of the Amendment
     Closing Date;

                    (10) Copies of the Articles of Incorporation and Code of
     Regulations of the Parent, certified by the secretary or the assistant
     secretary of the Parent as being true and complete as of the Amendment
     Closing Date;

                                       3
<PAGE>
                    (11) Counterparts of the First Amendment to Guaranty,
     executed and delivered by the Parent, the Agents and the Banks; and

                    (12) A certificate of the secretary or assistant secretary
     of the Borrower and the Parent certifying that as of the date of this
     Amendment and after giving effect to the incurrence of the Indebtedness
     under the 2005 Senior Notes, no Event of Default or Possible Default exists
     or will exist under the Credit Agreement, as amended hereby, or the
     Guaranty, as amended by the First Amendment to Guaranty.

               (ii) OPINION OF COUNSEL FOR PARENT. The Borrower shall deliver or
caused to be delivered to the Agents and the Banks a favorable opinion of
counsel for the Parent as to the due authorization, execution, and delivery, and
legality, validity and enforceability of the First Amendment to Guaranty and the
2005 Senior Notes and such other matters as the Agents or the Banks may request.

               (iii) OPINION OF COUNSEL FOR BORROWER. The Borrower shall deliver
or caused to be delivered to the Agents and the Banks a favorable opinion of
counsel for the Borrower as to the due authorization, execution, and delivery,
and legality, validity and enforceability of this Amendment and such other
matters as the Agents or the Banks may request.

               (iv) PAYMENT OF FEES TO BANKS. On or before the Amendment Closing
Date, the Borrower shall have paid to the Agents and the Banks all costs, fees
and expenses incurred by them through the Amendment Closing Date in the
preparation, negotiation and execution of this Amendment and the First Amendment
to Guaranty (including, without limitation, the reasonable legal fees and
expenses of Thompson Hine LLP). The Borrower shall pay an amendment fee to the
Administrative Agent for distribution to the Banks in the amount set forth in
the fee letter from the Agents to the Borrower dated as of January 19, 2005.

               (v) REVISED SCHEDULES. If necessary to make the representations
and warranties contained in Section 2(a) above true, correct and complete, the
Borrower shall have delivered to the Agents and the Banks a new Schedule 9.22
and/or Schedule 9.23.

          (b) DEFINITION. The "Amendment Closing Date" shall mean the date this
Amendment is executed and delivered by the Borrower, the Banks and the Agents
and all the conditions set forth in subsection (a) of this Section 3 have been
satisfied or waived in writing by the Agents.

                                       4
<PAGE>
     4. REPAYMENT OF REVOLVING LOANS. The Borrower hereby agrees that, not later
than the day (if it is a Cleveland Banking Day or the next immediately
succeeding Cleveland Banking Day if it is not a Cleveland Banking Day) on which
it receives from the Parent a capital contribution from the net proceeds of the
2005 Senior Notes, it shall pay to the Agent, for the account of the Banks, such
amount as may be necessary to pay in full all outstanding principal of and
accrued interest on the Revolving Loans and, if applicable, the prepayment
premium under Section 5.05(b) of the Credit Agreement.

     5. NO WAIVER. Except as otherwise expressly provided herein, the execution
and delivery of this Amendment by the Agents and the Banks shall not constitute
a waiver or release of any obligation or liability of the Borrower under the
Credit Agreement as in effect prior to the effectiveness of this Amendment or as
amended hereby or waive or release any Event of Default or Possible Default
existing at any time.

     6. EFFECT ON OTHER PROVISIONS. Except as expressly amended by this
Amendment, all provisions of the Credit Agreement continue unchanged and in full
force and effect and are hereby confirmed and ratified. All provisions of the
Credit Agreement shall be applicable to this Amendment.

                  [Remainder of page intentionally left blank.]

                                       5
<PAGE>
     IN WITNESS WHEREOF, the parties hereto, each by an officer thereunto duly
authorized, have caused this First Amendment to Credit Agreement to be executed
and delivered as of the date first above written.

                                    FOREST CITY RENTAL PROPERTIES
                                    CORPORATION

                                    BY: /s/ Thomas G. Smith
                                        ----------------------------------------
                                    TITLE: Thomas G. Smith, Vice President and
                                           Secretary

                                    KEYBANK NATIONAL ASSOCIATION,
                                    Individually and as Administrative Agent

                                    BY: /s/ Donald WS
                                        ----------------------------------------
                                    TITLE: AVP

                                    NATIONAL CITY BANK, Individually and
                                    as Syndication Agent

                                    BY: /s/ ANTHONY J. DIMARE
                                        ----------------------------------------
                                        ANTHONY J. DIMARE
                                    TITLE: SENIOR VICE PRESIDENT

                                    THE HUNTINGTON NATIONAL BANK

                                    BY: /s/ Suzanne Hamilton
                                        ----------------------------------------
                                    TITLE: Suzanne Hamilton, VP

                                    U.S. BANK NATIONAL ASSOCIATION

                                    BY: /s/ Megan McBride
                                        ----------------------------------------
                                    TITLE: Sr Vice President

                                    COMERICA BANK

                                    BY: /s/ Charles Weddell
                                        ----------------------------------------
                                    TITLE: Vice President

             (Signature page to First Amendment to Credit Agreement)
<PAGE>
                                    FIRST MERIT BANK

                                    BY: /s/ John F. Neumann
                                        ----------------------------------------
                                    TITLE: SENIOR VICE PRESIDENT

                                    LASALLE BANK NATIONAL ASSOCIATION

                                    BY: /s/ Marilyn Maloney
                                        ----------------------------------------
                                    TITLE: FIRST VICE PRESIDENT

                                    MANUFACTURERS AND TRADERS
                                    TRUST COMPANY

                                    BY: /s/ Kevin B. Quinn
                                        ----------------------------------------
                                    TITLE: Vice President

                                    FIFTH THIRD BANK

                                    BY: /s/ Roy C. Lanctot
                                        ----------------------------------------
                                    TITLE: Vice President

                                    FLEET NATIONAL BANK

                                    BY: /s/ JAMES J. MAGALDI
                                        ----------------------------------------
                                        JAMES J. MAGALDI
                                    TITLE: Vice President

                                    CALYON NEW YORK BRANCH (SUCCESSOR IN
                                    INTEREST TO CREDIT LYONNAIS NEW YORK BRANCH)

                                    BY: /s/ Paul Ragusin
                                        ----------------------------------------
                                    TITLE: Director

                                    BY: /s/ John Wilkins
                                        ----------------------------------------
                                    TITLE: Managing Director

                                    THE PROVIDENT BANK

                                    BY: /s/ William Huffman, Jr.
                                        ----------------------------------------
                                    TITLE: Senior Vice President

             (Signature page to First Amendment to Credit Agreement)
<PAGE>
                                    BANK OF MONTREAL

                                    BY: /s/ Thomas A. Batterham
                                        ----------------------------------------
                                        Thomas A. Batterham
                                    TITLE: Managing Director

                                    CHARTER ONE BANK, N.A.

                                    BY: Chet C. Abedloski
                                        ----------------------------------------
                                    TITLE: Vice President

             (Signature page to First Amendment to Credit Agreement)
<PAGE>
                              CONSENT OF GUARANTOR

     FOREST CITY ENTERPRISES, INC., an Ohio corporation, Guarantor under that
certain Guaranty of Payment of Debt issued on or about March 22, 2004, as
amended by that certain First Amendment to Guaranty of Payment of Debt, dated as
of January 19, 2005 (as so amended, the "Guaranty of Payment of Debt") to and in
favor of the Agents and the Banks in respect of, inter alia., the indebtedness
of FOREST CITY RENTAL PROPERTIES CORPORATION under the Credit Agreement
referenced in the foregoing First Amendment to Credit Agreement, hereby
acknowledges that it consents to the foregoing First Amendment to Credit
Agreement and confirms and agrees that its Guaranty of Payment of Debt, as
amended to the date hereof, is and shall remain in full force and effect with
respect to the Credit Agreement as in effect prior to, and from and after, the
amendment thereof pursuant to the foregoing First Amendment to Credit Agreement.

Dated: January 19, 2005             FOREST CITY ENTERPRISES, INC.

                                    By: /s/ Thomas G. Smith
                                        ----------------------------------------
                                    Title: Thomas G. Smith, Chief Financial
                                           Officer, Executive Vice President
                                           and Secretary<PAGE>
                                                                   Exhibit 10.38

                                                                  EXECUTION COPY

                               FIRST AMENDMENT TO
                           GUARANTY OF PAYMENT OF DEBT

     This FIRST AMENDMENT TO GUARANTY OF PAYMENT OF DEBT (this "First Amendment
to Guaranty") is made and entered into as of this 19th day of January, 2005, by
and among FOREST CITY ENTERPRISES, INC., an Ohio corporation (the "Guarantor"),
KEYBANK NATIONAL ASSOCIATION, as Administrative Agent (the "Administrative
Agent"), NATIONAL CITY BANK, as Syndication Agent (the "Syndication Agent" and,
together with the Administrative Agent, the "Agents") and the banks party to the
Credit Agreement (as hereinafter defined) as of the date hereof (collectively,
the "Banks" and individually, a "Bank"). Capitalized terms not otherwise defined
herein shall have the respective meanings attributed to them in the Guaranty, as
hereinafter defined.

                                   WITNESSETH;

     WHEREAS, Forest City Rental Properties Corporation (the "Borrower"), the
Banks, and the Agents previously entered into a certain Credit Agreement dated
as of March 22, 2004 (the "Original Credit Agreement"); and

     WHEREAS, the Banks required, as a condition to entering into the Original
Credit Agreement, that the Guarantor execute and deliver to the Agents and the
Banks a certain Guaranty of Payment of Debt, dated as of March 22, 2004 (the
"Guaranty") and the Guarantor agreed to and did execute and deliver the Guaranty
to the Agents and the Banks; and

     WHEREAS, the Borrower and the Guarantor have requested that the Banks and
the Agents agree to certain amendments to the Original Credit Agreement and to
the Guaranty; and

     WHEREAS, the Borrower, the Banks and the Agents have entered into a First
Amendment to Credit Agreement, dated as of the date hereof (said amendment
together with the Original Credit Agreement, the "Credit Agreement"), that
requires as one of its conditions that the Guarantor enter into this First
Amendment to Guaranty.

     NOW, THEREFORE, it is mutually agreed as follows:

     1. AMENDMENT TO SECTION 1 OF THE GUARANTY. Section 1 of the Guaranty shall
be amended as follows:

          (a) Definition of "Senior Notes". The definition of "Senior Notes"
     contained in the Guaranty shall be amended by deleting it in its entirety
     and replacing it with the following:

               "Senior Notes" shall mean the 2003 Senior Notes, the 2004 Senior
          Notes and the 2005 Senior Notes.
<PAGE>
          (b) Addition of Definition of "2005 Senior Notes". Section 1 of the
     Guaranty shall be amended by adding in its appropriate alphabetical place,
     the following definition for "2005 Senior Notes":

               "2005 Senior Notes" shall mean the senior notes of the Guarantor
          to be issued on or about January 25, 2005, pursuant to the Indenture,
          in an original aggregate principal amount of up to $150,000,000.

     2. AMENDMENT TO SECTION 9.10(a) OF THE GUARANTY. Section 9.10(a) of the
Guaranty shall be amended by deleting it in its entirety and replacing it with
the following:

               (a) [Reserved],.

     3. AMENDMENT TO SECTION 9.10(b) OF THE GUARANTY. Section 9.10(b) of the
Guaranty shall be amended by deleting it in its entirety and replacing it with
the following:

               (b) any loan obtained from the Guarantor by any Restricted
          Subsidiary, other than Portland Lumber Trading, Inc. (fka Forest City
          Trading Group, Inc.),.

     4. AMENDMENT TO SECTION 9.10(g) OF THE GUARANTY. Section 9.10(g) of the
Guaranty shall be amended by deleting it in its entirety and replacing it with
the following:

               (g) [Reserved],.

     5. AMENDMENT TO SECTION 9.10(h) OF THE GUARANTY. Section 9.10(h) of the
Guaranty shall be amended as follows:

          (a) Clause (iv). Clause (iv) of Section 9.10(h) of the Guaranty shall
     be amended by deleting it in its entirety and replacing it with the
     following:

               (iv) the outstanding and unredeemed principal amount of the
          Senior Notes shall not, at any time, exceed FIVE HUNDRED FIFTY MILLION
          DOLLARS ($550,000,000), in the aggregate; and.

          (b) Clause (v). Clause (v) of Section 9.10(h) of the Guaranty shall be
     amended by deleting it in its entirety and replacing it with the following:

               (v) the terms and conditions of the 2003 Senior Notes, the 2004
          Senior Notes and the 2005 Senior Notes and the Indenture, shall be
          satisfactory, in form and substance, to the Agents and the Banks.

                                       2
<PAGE>
     6. AMENDMENT TO SECTION 9.11(vii) OF THE GUARANTY. Section 9.11(vii) of the
Guaranty shall be amended by deleting it in its entirety and replacing it with
the following:

               (vii) [Reserved],.

     7. AMENDMENT TO SECTION 9.19(b) OF THE GUARANTY. Section 9.19(b) of the
Guaranty shall be amended by (a) deleting the word "and" at the end of clause
(iii), (b) deleting the period at the end of clause (iv) and replacing it with a
semicolon followed by the word "and" and (c) adding the following new clause
(v):

               (v) the Indenture may provide that a default by the Borrower or
          the Guarantor in the payment of any portion of principal of the Debt
          when due and payable after the expiration of any applicable grace
          period that results in the Debt becoming or being declared due and
          payable prior to the date on which it would otherwise have become due
          and payable or the failure of the Borrower or the Guarantor to pay any
          portion of the principal of the Debt when due and payable at maturity
          or by acceleration, constitutes a default under the Indenture.

     8. REPRESENTATIONS AND WARRANTIES. The Guarantor represents and warrants to
the Agents and each of the Banks as follows:

          (a) INCORPORATION OF REPRESENTATIONS AND WARRANTIES. Each and every
     representation and warranty made by the Guarantor in Section 7 of the
     Guaranty is incorporated herein as if fully rewritten herein at length and
     is true, correct and complete as of the date hereof and no Event of Default
     or Possible Default exists, or will exist on such date, after giving effect
     to the incurrence of the Indebtedness under the 2005 Senior Notes.

          (b) REQUISITE AUTHORITY. The Guarantor has all requisite power and
     authority to execute and deliver and to perform its obligations in respect
     of this First Amendment to Guaranty and each and every other agreement,
     certificate, or document required to be delivered as a condition precedent
     to this First Amendment to Guaranty or to the First Amendment to Credit
     Agreement.

          (c) DUE AUTHORIZATION; VALIDITY. The Guarantor has taken all necessary
     action to authorize the execution, delivery, and performance by it of this
     First Amendment to Guaranty and every other instrument, document, and
     certificate relating thereto. This First Amendment to Guaranty has been
     duly executed and delivered by the Guarantor and is the legal, valid, and
     binding obligation of the Guarantor enforceable against it in accordance
     with its terms.

          (d) NO CONSENT. No consent, approval, or authorization of, or
     registration with, any governmental authority or other Person is required
     in connection with the execution, delivery, and performance of this First
     Amendment to Guaranty and the transactions contemplated hereby.

                                       3
<PAGE>
     9. NO WAIVER. Except as otherwise expressly provided herein, the
acceptance, execution, and/or delivery of this First Amendment to Guaranty by
the Agents and the Banks shall not constitute a waiver or release of any
obligation or liability of the Guarantor under the Guaranty as in effect prior
to the effectiveness of this First Amendment to Guaranty or as amended hereby or
waive or release any Event of Default or Possible Default existing at any time.

     10. CONDITIONS TO CLOSING. Except as otherwise expressly provided in this
First Amendment to Guaranty, prior to or concurrently with the execution and
delivery of this First Amendment to Guaranty, and as conditions precedent to the
effectiveness of the amendments to the Guaranty provided for herein, the Agents
and the Banks and their respective counsel shall have received such opinions of
counsel to the Guarantor, certified copies of resolutions of the Board of
Directors of the Guarantor, and such other documents as shall be required by the
Agents, the Banks, or their respective counsel to evidence and confirm the due
authorization, execution, and delivery of this First Amendment to Guaranty, all
in form and substance satisfactory to the Agents and the Banks and their
respective counsel; the Agents and the Banks shall have received duly executed
copies of the 2005 Senior Notes and such shall be in form and substance
satisfactory to the Agents and the Banks; all conditions to the First Amendment
to Credit Agreement shall have been satisfied; and all costs, fees, and expenses
required by the First Amendment to Credit Agreement to have been paid by the
Borrower in connection with the First Amendment to Credit Agreement and/or this
First Amendment to Guaranty shall have been paid.

     11. CONFIRMATION OF GUARANTY. The Guarantor hereby confirms that the
Guaranty is in full force and effect on the date hereof and that, upon the
amendments herein provided becoming effective, the Guaranty will continue in
full force and effect in accordance with its terms, as hereby amended.

     12. REPAYMENT OF REVOLVING LOANS. The Guarantor hereby agrees to contribute
to the Borrower as capital, as soon as practicable, but not later than one (1)
Cleveland Banking Day following the date of issuance of the 2005 Senior Notes,
such amount of the net proceeds of the 2005 Senior Notes as may be necessary to
pay in full all outstanding principal of and accrued interest on the Revolving
Loans and, if applicable, the prepayment premium under Section 5.05(b) of the
Credit Agreement.

                  [Remainder of page intentionally left blank.]

                                       4
<PAGE>
     IN WITNESS WHEREOF, the parties hereto, each by an officer thereunto duly
authorized, have caused this First Amendment to Guaranty of Payment of Debt to
be executed and delivered as of the date first above written.

                                    FOREST CITY ENTERPRISES, INC.

                                    BY: /s/ Thomas G. Smith
                                        ----------------------------------------
                                    TITLE: Thomas G. Smith, Chief Financial
                                           Officer, Executive Vice President
                                           and Secretary

                                    KEYBANK NATIONAL ASSOCIATION,
                                    Individually and as Administrative Agent

                                    BY: /s/ Donald Wood
                                        ----------------------------------------
                                    TITLE: Assistant Vice President

                                    NATIONAL CITY BANK, Individually and as
                                    Syndication Agent

                                    BY: /s/ ANTHONY J. DIMARE
                                        ----------------------------------------
                                        ANTHONY J. DIMARE
                                    TITLE: SENIOR VICE PRESIDENT

                                    THE HUNTINGTON NATIONAL BANK

                                    BY: /s/ Suzanne Hamilton
                                        ----------------------------------------
                                    TITLE: Suzanne Hamilton, VP

                                    U.S. BANK NATIONAL ASSOCIATION

                                    BY: /s/ Megan McBride
                                        ----------------------------------------
                                    TITLE: Sr Vice President

                                    COMERICA BANK

                                    BY: /s/ Charles Weddell
                                        ----------------------------------------
                                    TITLE: Vice President

       (Signature page to First Amendment to Guaranty of Payment of Debt)
<PAGE>
                                    FIRST MERIT BANK

                                    BY: /s/ John F. Neumann
                                        ----------------------------------------
                                    TITLE: SENIOR VICE PRESIDENT

                                    LASALLE BANK NATIONAL ASSOCIATION

                                    BY: /s/ Marilyn Maloney
                                        ----------------------------------------
                                    TITLE: FIRST VICE PRESIDENT

                                    MANUFACTURERS AND TRADERS
                                    TRUST COMPANY

                                    BY: /s/ Kevin B. Quinn
                                        ----------------------------------------
                                    TITLE: Vice President

                                    FIFTH THIRD BANK

                                    BY: /s/ Roy C. Lanctot
                                        ----------------------------------------
                                    TITLE: Vice President

                                    FLEET NATIONAL BANK

                                    BY: /s/ JAMES J. MAGALDI
                                        ----------------------------------------
                                        JAMES J. MAGALDI
                                    TITLE: Vice President

                                    CALYON NEW YORK BRANCH (SUCCESSOR IN
                                    INTEREST TO CREDIT LYONNAIS NEW YORK BRANCH)

                                    BY: /s/ Paul Ragusin
                                        ----------------------------------------
                                    TITLE: Director

                                    BY: /s/ John Wilkins
                                        ----------------------------------------
                                    TITLE: Managing Director

       (Signature page to First Amendment to Guaranty of Payment of Debt)
<PAGE>
                                    THE PROVIDENT BANK

                                    BY: /s/ William Huffman, Jr.
                                        ----------------------------------------
                                    TITLE: Senior Vice President

                                    BANK OF MONTREAL

                                    BY: /s/ Thomas A. Batterham
                                        ----------------------------------------
                                        Thomas A. Batterham
                                    TITLE: Managing Director

                                    CHARTER ONE BANK, N.A.

                                    BY: /s/ Chet C. Abedloski
                                        ----------------------------------------
                                    TITLE: Vice President

       (Signature page to First Amendment to Guaranty of Payment of Debt)

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