Document:

EXHIBIT 10.2

                          ARBY'S RESTAURANT GROUP, INC.

                                          January 18, 2007

Mr.Roland C. Smith
580 Old Cobblestone Drive
Dunwoody, GA 30350

Dear Roland:

          Reference is made to the  Employment  Agreement  dated as of April 13,
2006 (the "Employment  Agreement") between you and Arby's Restaurant Group, Inc.
("Arby's").  Capitalized  terms  used  and not  defined  herein  shall  have the
meanings ascribed to them in the Employment Agreement.

          Exhibit A to the Employment  Agreement provides for a grant of 100,000
restricted  shares of Triarc  Companies,  Inc.  Class B Common  Stock,  Series 1
("Class B Common Stock"),  50% of which are to have performance  vesting targets
and 50% of which are to have time vesting  targets.  Pursuant to the  Employment
Agreement,  such vesting  targets were to be agreed upon by the Arby's Board and
you within 90 days  following  execution of the  Employment  Agreement.  If such
vesting  targets  were not set by such date,  you would  instead be  entitled to
receive  options to acquire  shares of Class B Common  Stock as  provided in the
Employment Agreement.

          This letter will confirm our prior  agreements  to extend the date for
setting such vesting  targets  first to August 31, 2006,  then to September  30,
2006, November 13, 2006 and January 31, 2007 and our current agreement to extend
the date for setting such vesting targets to March 25, 2007.

          Except as set forth above,  the terms and provisions of the Employment
Agreement shall remain in full force and effect.

          This  amendment to the Employment  Agreement  shall be governed by the
laws of the State of Delaware, without regard to principles of conflicts of laws
thereof  that  would  call  for  the  application  of  substantive  law  of  any
jurisdiction other than the State of Delaware.  This amendment to the Employment
Agreement may be executed in  counterparts,  each of which shall be deemed to be
an original and all of which, taken together,  shall constitute one and the same
instrument.

                                       ARBY'S RESTAURANT GROUP, INC.

                                       By: /s/BRIAN L. SCHORR
                                           ------------------------------------
                                           Name:  Brian L. Schorr
                                           Title: Executive Vice President
Agreed and Accepted as of the
23rd day of January 2007

/s/ROLAND SMITH
----------------------------------------
Roland SmithEXHIBIT 10.3

                     AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT

     Amendment  No. 1,  dated as of  December  18,  2006  ("Amendment"),  to the
Employment  Agreement dated as of February 24, 2000 (the  "Agreement"),  between
Triarc Companies, Inc. ("Triarc") and Brian L. Schorr (the "Employee").

     1. Triarc and the Employee hereby agree to amend the Agreement as follows:

          a). Clause (i) in the second paragraph of Section 4.1 of the Agreement
is hereby  amended in its  entirety to read as  follows:  "(i)  Employee's  then
current  Salary for two and one-half  (2-1/2) years from the date of termination
and".

          b).  Section 4.3 (d) 3(a) of the Agreement is hereby amended by adding
the word "annual" after the word "equal" appearing therein.

          c). The definition of "Good Reason" set forth in Section 4.6(B) of the
Agreement is hereby amended by deleting the word "or" at the end of clause (ii),
adding the word "or" at the end of clause  (iii) and adding  the  following  new
clause (iv):  "(iv) any  meaningful  diminution of your duties or authority from
such  duties or  authority  held by you on the date  hereof  without  your prior
consent."

     2. Except as amended  above,  the  provisions  of the  Agreement are hereby
confirmed and shall remain in full force and effect.

     3. This Amendment shall be governed by and  administered in accordance with
the laws of the  State  of New  York  applicable  to  agreements  made and to be
performed entirely within such State.

     4. This  Amendment  shall be binding  upon and inure to the  benefit of the
parties hereto and their successors and assigns.

     IN WITNESS  WHEREOF,  the parties hereto have each caused this Amendment as
of the date first above written.

TRIARC COMPANIES, INC.

By: /s/PETER W. MAY
    --------------------------------------------
    Name:  Peter W. May
    Title: President and Chief Operating Officer

By: /s/BRIAN L. SCHORR
    --------------------------------------------
    Brian L. SchorrExhibit 4.01 Prudential Note 1-26-07

    

    

    

    

    

    

    

     

    

    STANLEY
      FURNITURE COMPANY, INC.

    

    

    $10,000,000
      6.94%
      SENIOR NOTES DUE MAY 3, 2011

    

    $25,000,000
      6.73%
      SERIES AA SENIOR NOTES DUE MAY 3, 2017

    

    $25,000,000
      UNCOMMITTED SHELF FACILITY

    

    

    

     

     

    AMENDED
      AND
      RESTATED 

     

    NOTE
      PURCHASE AND
      PRIVATE SHELF AGREEMENT

     

    

    

    

    

    Dated
      January 26,
      2007

    

     

    

    

 

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    
      
        

          
            	
                    TABLE
                      OF CONTENTS

                  
	 	
                    Page

                  
	
                    1. AUTHORIZATION
                      OF ISSUE OF NOTES

                  	
                    1

                  
	 	
                    1A. Authorization
                      of Issue of Series AA Notes

                  	
                    1

                  
	 	
                    1B. Authorization
                      of Issue of Shelf Notes

                  	
                    2

                  
	 	
                    1C. 2001
                      Notes

                  	
                    2

                  
	
                    2. PURCHASE
                      AND
                      SALE OF NOTES

                  	
                    2

                  
	 	
                    2A. Purchase
                      and
                      Sale of Series AA Notes

                  	
                    2

                  
	 	
                    2B. Purchase
                      and
                      Sale of Shelf Notes

                  	
                    3

                  
	 	 	
                    2B(1).
                       Facility

                  	
                    3

                  
	 	 	
                    2B(2).
                       Issuance
                      Period

                  	
                    3

                  
	 	 	
                    2B(3).
                       Request
                      for
                      Purchase

                  	
                    4

                  
	 	 	
                    2B(4).
                       Rate
                      Quotes

                  	
                    4

                  
	 	 	
                    2B(5).
                       Acceptance

                  	
                    4

                  
	 	 	
                    2B(6).
                       Market
                      Disruption

                  	
                    5

                  
	 	 	
                    2B(7).
                       Facility
                      Closings

                  	
                    5

                  
	 	 	
                    2B(8).
                       Fees

                  	
                    6

                  
	 	 	
                    2B(8)(i).
                       Intentionally
                      Omitted

                  	
                    6

                  
	 	 	
                    2B(8)(ii).
                       Issuance
                      Fee

                  	
                    6

                  
	 	 	
                    2B(8)(iii).
                       Delayed
                      Delivery Fee

                  	
                    6

                  
	 	 	
                    2B(8)(iv).
                       Cancellation
                      Fee

                  	
                    7

                  
	
                    3. CONDITIONS
                      OF
                      CLOSING

                  	
                    7

                  
	 	
                    3A. Initial
                      Closing Documents

                  	
                    7

                  
	 	
                    3B. Series
                      AA
                      Closing Day and Each other Closing Day

                  	
                    8

                  
	 	
                    3C. Opinion
                      of
                      Purchaser’s Special Counsel

                  	
                    9

                  
	 	
                    3D. Representations
                      and Warranties; No Default

                  	
                    9

                  
	 	
                    3E. Purchase
                      Permitted by Applicable Laws

                  	
                    9

                  
	 	
                    3F. Payment
                      of
                      Fees.

                  	
                    9

                  
	 	
                    3G. No
                      Material
                      Adverse Change

                  	
                    9

                  
	 	
                    3H. Private
                      Placement Numbers

                  	
                    9

                  
	 	
                    3I. Location
                      of
                      Closings

                  	
                    10

                  
	
                    4. PREPAYMENTS

                  	
                    10

                  
	 	
                    4A. Required
                      Prepayments of Series AA Notes

                  	
                    10

                  
	 	
                    4B. Required
                      Prepayments of Shelf Notes

                  	
                    10

                  
	 	
                    4C. Optional
                      Prepayment With Yield-Maintenance  Amount

                  	
                    10

                  
	 	
                    4D. Notice
                      of
                      Optional Prepayment

                  	
                    10

                  
	 	
                    4E. Application
                      of Required Prepayments

                  	
                    11

                  
	 	
                    4F. Retirement
                      of
                      Notes

                  	
                    11

                  
	
                    5. AFFIRMATIVE
                      COVENANTS

                  	
                    11

                  
	 	
                    5A. Reporting
                      Requirements

                  	
                    11

                  
	 	 	
                    5A(1).
                       General
                      Information

                  	
                    11

                  
	 	 	
                    5A(2).
                       Quarterly
                      Officer’s Certificates

                  	
                    13

                  
	 	 	
                    5A(3).
                       Annual
                      Accountant’s Letter.

                  	
                    13

                  
	 	 	
                    5A(4).
                       Special
                      Information

                  	
                    13

                  
	 	
                    5B. Inspection
                      of
                      Property

                  	
                    14

                  
	 	
                    5C. Covenant
                      to
                      Secure Notes Equally

                  	
                    14

                  
	 	
                    5D. Guaranteed
                      Obligations

                  	
                    14

                  
	 	
                    5E. Maintenance
                      of Insurance

                  	
                    15

                  
	 	
                    5F. Maintenance
                      of Corporate Existence/Compliance with  Law/Preservation
                      of Property

                  	
                    15

                  
	 	
                    5G. Compliance
                      with Environmental Laws

                  	
                    16

                  
	 	
                    5H. No
                      Integration

                  	
                    16

                  
	 	
                    5I. Financial
                      Records

                  	
                    16

                  
	
                    6. NEGATIVE
                      COVENANTS

                  	
                    16

                  
	 	
                    6A. Fixed
                      Charge
                      Coverage and Debt Limits

                  	
                    16

                  
	 	
                    6B. Intentionally
                      Omitted

                  	
                    16

                  
	 	
                    6C. Liens,
                      Debt
                      and Other Restrictions

                  	
                    16

                  
	 	 	
                    6C(1).
                       Liens.

                  	
                    18

                  
	 	 	
                    6C(2).
                       Debt.

                  	
                    18

                  
	 	 	
                    6C(3).
                       Merger
                      or
                      Consolidation

                  	
                    18

                  
	 	 	
                    6C(4).
                       Sale
                      or
                      Discount of Receivables

                  	
                    18

                  
	 	 	
                    6C(5).
                       Change
                      in
                      Business

                  	
                    18

                  
	 	 	
                    6C(6).
                       Transactions
                      with Related Party

                  	
                    19

                  
	 	 	
                    6C(7).
                       Investments

                  	
                    20

                  
	 	
                    6D. Sale
                      of
                      Property

                  	
                    21

                  
	 	
                    6E. Subsidiary
                      Stock and Debt

                  	
                    21

                  
	 	
                    6F. ERISA

                  	
                    21

                  
	 	
                    6G. Environmental
                      Matters

                  	
                    21

                  
	 	
                    6H. Specified
                      Laws

                  	
                    21

                  
	
                    7. EVENTS
                      OF
                      DEFAULT

                  	
                    24

                  
	 	
                    7A. Acceleration.

                  	
                    25

                  
	 	
                    7B. Rescission
                      of
                      Acceleration

                  	
                    25

                  
	 	
                    7C. Notice
                      of
                      Acceleration or Rescission

                  	
                    25

                  
	 	
                    7D. Other
                      Remedies

                  	
                    25

                  
	
                    8. REPRESENTATIONS
                      AND WARRANTIES

                  	
                    26

                  
	 	
                    8A. Organization

                  	
                    26

                  
	 	
                    8B. Financial
                      Statements

                  	
                    26

                  
	 	
                    8C. Actions
                      Pending

                  	
                    26

                  
	 	
                    8D. Outstanding
                      Debt.

                  	
                    27

                  
	 	
                    8E. Title
                      to
                      Properties

                  	
                    27

                  
	 	
                    8F. Taxes.

                  	
                    27

                  
	 	
                    8G. Conflicting
                      Agreements and Other Matters

                  	
                    27

                  
	 	
                    8H. Offering
                      of
                      Notes

                  	
                    28

                  
	 	
                    8I. Use
                      of
                      Proceeds

                  	
                    28

                  
	 	
                    8J. ERISA

                  	
                    29

                  
	 	
                    8K. Governmental
                      Consent

                  	
                    30

                  
	 	
                    8M. Disclosure

                  	
                    30

                  
	 	
                    8N. Hostile
                      Tender Offers

                  	
                    30

                  
	 	
                    8O. Absence
                      Of
                      Foreign Or Enemy Status

                  	
                    30

                  
	
                    9. REPRESENTATIONS
                      OF THE PURCHASERS

                  	
                    30

                  
	 	
                    9A. Nature
                      of
                      Purchase

                  	
                    32

                  
	 	
                    9B. Source
                      of
                      Funds

                  	
                    32

                  
	
                    10. DEFINITIONS

                  	
                    32

                  
	 	
                    10A. Yield-Maintenance
                      Terms

                  	
                    32

                  
	 	
                    10B. Other
                      Terms

                  	
                    33

                  
	 	
                    10C. Accounting
                      Principles, Terms and Determinations

                  	
                    43

                  
	
                    11. MISCELLANEOUS

                  	
                    43

                  
	 	
                    11A. Note
                      Payments

                  	
                    43

                  
	 	
                    11B. Expenses

                  	
                    43

                  
	 	
                    11C. Consent
                      to
                      Amendments

                  	
                    44

                  
	 	
                    11D. Form,
                      Registration, Transfer and Exchange of Notes;  Lost
                      Notes

                  	
                    44

                  
	 	
                    11E. Persons
                      Deemed Owners; Participations

                  	
                    45

                  
	 	
                    11F. Survival
                      of
                      Representations and Warranties; Entire  Agreement.

                  	
                    45

                  
	 	
                    11G. Successors
                      and Assigns; Transfer Provisions

                  	
                    45

                  
	 	
                    11H. Disclosure
                      to
                      Other Persons; Confidentiality

                  	
                    45

                  
	 	
                    11I. Notices

                  	
                    46

                  
	 	
                    11J. Payments
                      Due
                      on Non-Business Days

                  	
                    47

                  
	 	
                    11K. Satisfaction
                      Requirement

                  	
                    47

                  
	 	
                    11L. Independence
                      of Covenants

                  	
                    47

                  
	 	
                    11M. Governing
                      Law

                  	
                    47

                  
	 	
                    11N. Severability

                  	
                    48

                  
	 	
                    11O. Descriptive
                      Headings

                  	
                    48

                  
	 	
                    11P. Counterparts

                  	
                    48

                  

          

          

 

        

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

      

    

     

    SCHEDULES

    

    Purchaser
      Schedule

    Information
      Schedule

    Schedule
      8A --
      Subsidiaries

    Schedule
      8B --
      Changes to Business

    Schedule
      8D --
      Debt

    Schedule
      8G --
      Other Agreements

    Schedule
      8L --
      Environmental

    

    EXHIBITS

    

    Exhibit
      A -- Form
      of Series AA Note

    Exhibit
      B -- Form
      of Shelf Note

    Exhibit
      C -- Form
      of Request for Purchase

    Exhibit
      D -- Form
      of Confirmation of Acceptance

    Exhibit
      E -- Form
      of Opinion of Company Counsel 

    

    
      
        
           

          

        

        
        

      

      
        
        

        
          

        

      

      
        
        

        
        

      

    

    

    STANLEY
      FURNITURE COMPANY, INC.

    P.O.
      Box
      30

    Route
      57

    Stanleytown,
      Virginia 24168

    

    

    As
      of January 26,
      2007

    

    

    The
      Prudential
      Insurance Company

    of
      America (“Prudential”)

    Hartford
      Life
      Insurance Company (“Hartford”)

    Medica
      Health Plans
      (“Medica”)

    Pruco
      Life
      Insurance Company of New Jersey (“Pruco”)

    Prudential
      Retirement Insurance and Annuity Company (“PRIAC”)

    Mutual
      of Omaha
      Insurance Company (“Mutual
      of Omaha”)

    Each
      Prudential
      Affiliate (as hereinafter defined)

    which
      becomes bound
      by certain provisions of this

    Agreement
      as
      hereinafter provided (together with

    Prudential,
      Hartford, Medica, Pruco, PRIAC

    and
      Omaha, the
“Purchasers”)

    

    c/o
      Prudential
      Capital Group

    1170
      Peachtree St.,
      NW, Suite 500

    Atlanta,
      GA
      30309

    

    Ladies
      and
      Gentlemen:

    

    Stanley
      Furniture
      Company (the “Company”)
      entered into
      that certain Private Shelf Agreement, dated as of September 8, 1999, by and
      between the Company and Prudential, as amended or modified prior to the date
      hereof (the “Original
      Agreement”),
      pursuant to
      which, among other things, the Company authorized and issued $10,000,000 in
      aggregate principal amount of its 6.94% Senior Notes due 2011 (collectively,
      the
“2001
      Notes”),
      of which
      $7,142,857 remains outstanding on the date hereof. Prudential, Hartford and
      Medica together hold
      100% of the
      aggregate principal amount of the 2001 Notes.
      The Company has
      requested that Prudential agree to amend and restate the terms of the Original
      Agreement on the terms contained herein, and that the other Purchasers join
      this
      Agreement in connection therewith.

    

    The
      Company hereby
      agrees with you that the Original Agreement is amended and restated in its
      entirety as follows:

    

    1.  AUTHORIZATION
      OF ISSUE OF NOTES.

     

    1A.  Authorization
      of Issue of Series AA Notes.
      The Company will
      authorize the issue of its senior promissory notes (the "Series
      AA Notes")
      in the aggregate
      principal amount of $25,000,000, to be dated the Series AA Closing Day and
      to
      mature on May 3, 2017, to bear interest on the unpaid balance thereof from
      the
      date thereof until the principal thereof shall have become due and payable
      at
      the rate of 6.73% per annum and on overdue principal, Yield-Maintenance Amount
      and interest at the rate specified therein, and to be substantially in the
      form
      of Exhibit
      A
      attached hereto. The terms "Series
      AA Note"
      and "Series
      AA Notes"
      as used herein
      shall include each Series AA Note delivered pursuant to any provision of this
      Agreement and each Series AA Note delivered in substitution or exchange for
      any
      such Series AA Note pursuant to any such provision. 

     

    1B.  Authorization
      of Issue of Shelf Notes.
      The Company will
      authorize the issue of its additional senior promissory notes (the “Shelf
      Notes”)
      in the aggregate
      principal amount of up to $25,000,000, to be dated the date of issue thereof,
      to
      mature, in the case of each Shelf Note so issued, no more than ten years after
      the date of original issuance thereof, to have an average life, in the case
      of
      each Shelf Note so issued, of no more than ten years after the date of original
      issuance thereof, to bear interest on the unpaid balance thereof from the date
      thereof at the rate per annum, and to have such other particular terms, as
      shall
      be set forth, in the case of each Shelf Note so issued, in the Confirmation
      of
      Acceptance with respect to such Shelf Note delivered pursuant to paragraph
      2B(6)
      and to be substantially in the form of Exhibit
      B
      attached hereto. The terms “Shelf
      Note”
and
“Shelf
      Notes”
as
      used herein
      shall include each Shelf Note delivered pursuant to any provision of this
      Agreement and each Shelf Note delivered in substitution or exchange for any
      such
      Shelf Note pursuant to any such provision. The terms "Note"
      and "Notes"
      as used herein
      shall include each 2001 Note, each Series AA Note and each Shelf Note delivered
      pursuant to any provision of this Agreement and each Note delivered in
      substitution or exchange for any such Note pursuant to any such provision.
      Notes
      which have (i) the same final maturity, (ii) the same principal prepayment
      dates, (iii) the same principal prepayment amounts (as a percentage of the
      original principal amount of each Note), (iv) the same interest rate, (v) the
      same interest payment periods and (vi) the same date of issuance (which, in
      the
      case of a Note issued in exchange for another Note, shall be deemed for these
      purposes the date on which such Note’s ultimate predecessor Note was issued),
      are herein called a “Series”
of
      Notes.

     

    1C.  2001
      Notes.
      The 2001 Notes
      were authorized and issued under the Original Agreement.

     

    

    2.  PURCHASE
      AND SALE OF NOTES.

     

    2A.  Purchase
      and Sale of Series AA Notes.  The
      Company hereby
      agrees to sell to each Series AA Note Purchaser and, subject to the terms and
      conditions herein set forth, each Series AA Note Purchaser agrees to purchase
      from the Company the aggregate principal amount of Series AA Notes set forth
      opposite its name on the Purchaser Schedule attached hereto at 100% of such
      aggregate principal amount. On April 17, 2007 or any other date prior to April
      17, 2007 upon which the Company and the Series AA Note Purchasers may agree
      (herein called the "Series
      AA Closing Day"),
      the Company
      will deliver to each Series AA Note Purchaser at the offices of King &
Spalding, LLP, 1185 Avenue of the Americas, New York, New York 10036, one or
      more Series AA Notes registered in its name, evidencing the aggregate principal
      amount of Series AA Notes to be purchased by each Series AA Note Purchasers
      and
      in the denomination or denominations specified with respect to each Series
      AA
      Note Purchasers in the Purchaser Schedule attached hereto, against payment
      of
      the purchase price thereof by transfer of immediately available funds for credit
      to the Company in accordance with written instructions executed by a Responsible
      Officer of the Company and received by each Series AA Note Purchaser at least
      three Business Days prior to the Series AA Closing Day, setting forth (a) the
      name and address of the transferee bank, (b) such transferee bank’s ABA number,
      (c) the account name and number into which the purchase price of the Series
      AA
      Notes is to be deposited, and (d) the name and telephone number of the account
      representative responsible for verifying receipt of such funds. 

     

    2B.  Purchase
      and Sale of Shelf Notes.

     

    2B(1).
  Facility.
      Prudential is
      willing to consider, in its sole discretion and within limits which may be
      authorized for purchase by Prudential and Prudential Affiliates from time to
      time, the purchase of Shelf Notes pursuant to this Agreement. The willingness
      of
      Prudential to consider such purchase of Shelf Notes is herein called the
“Facility”.
      At any time, the
      aggregate principal amount of Shelf Notes stated in paragraph 1B, minus the
      aggregate principal amount of Shelf Notes purchased and sold pursuant to this
      Agreement prior to such time, minus the aggregate principal amount of Accepted
      Notes (as hereinafter defined) which have not yet been purchased and sold
      hereunder prior to such time is herein called the “Available
      Facility Amount”
at
      such time.
NOTWITHSTANDING
      THE WILLINGNESS OF PRUDENTIAL TO CONSIDER PURCHASES OF SHELF NOTES, THIS
      AGREEMENT IS ENTERED INTO ON THE EXPRESS UNDERSTANDING THAT NEITHER PRUDENTIAL
      NOR ANY PRUDENTIAL AFFILIATE SHALL BE OBLIGATED TO MAKE OR ACCEPT OFFERS TO
      PURCHASE SHELF NOTES, OR TO QUOTE RATES, SPREADS OR OTHER TERMS WITH RESPECT
      TO
      SPECIFIC PURCHASES OF SHELF NOTES, AND THE FACILITY SHALL IN NO WAY BE CONSTRUED
      AS A COMMITMENT BY PRUDENTIAL OR ANY PRUDENTIAL AFFILIATE.

     

    2B(2).
  Issuance
      Period.
      Shelf Notes may
      be issued and sold pursuant to this Agreement until the earlier of:

     

    (i)  the
      third
      anniversary of the date of this Agreement (or if any such anniversary is not
      a
      Business Day, the Business Day next preceding such anniversary),

     

    (ii)  the
      thirtieth day
      after Prudential shall have given to the Company, or the Company shall have
      given to Prudential, a notice stating that it elects to terminate the issuance
      and sale of Shelf Notes pursuant to this Agreement (or if such thirtieth day
      is
      not a Business Day, the Business Day next preceding such thirtieth
      day),

     

    (iii)  The
      last Closing
      Day after which there is no Available Facility Amount,

     

    (iv)  The
      termination of
      the Facility under paragraph 7, and

     

    (v)  The
      acceleration of
      any Note under paragraph 7A of this Agreement.

     

    The
      period during
      which Shelf Notes may be issued and sold pursuant to this Agreement is herein
      called the “Issuance Period”.

     

    2B(3).
  Request
      for Purchase.
      The Company may
      from time to time during the Issuance Period make requests for purchases of
      Shelf Notes (each such request being herein called a “Request
      for Purchase”).
      Each Request
      for Purchase shall be made to Prudential by telecopy or overnight delivery
      service, and shall:

     

    (i)  specify
      the
      aggregate principal amount of Shelf Notes covered thereby, which shall not
      be
      less than $5,000,000 and not be greater than the Available Facility Amount
      at
      the time such Request for Purchase is made,

     

    (ii)  specify
      the
      principal amounts, final maturities (which shall be no more than ten years
      from
      the date of issuance), principal prepayment dates and amounts and interest
      payment periods (quarterly or semi-annual in arrears) of the Shelf Notes covered
      thereby,

     

    (iii)  specify
      the use of
      proceeds of such Shelf Notes,

     

    (iv)  specify
      the
      proposed day for the closing of the purchase and sale of such Shelf Notes,
      which
      shall be a Business Day during the Issuance Period not less than 10 days and
      not
      more than 25 days after the making of such Request for Purchase (the
“Closing
      Day”),

     

    (v)  specify
      the number
      of the account and the name and address of the depository institution to which
      the purchase prices of such Shelf Notes are to be transferred on the Closing
      Day
      for such purchase and sale,

     

    (vi)  certify
      that the
      representations and warranties contained in paragraph 8 are true on and as
      of
      the date of such Request for Purchase and that there exists on the date of
      such
      Request for Purchase no Event of Default or Default,

     

    (vii)  specify
      the
      Designated Spread for such Shelf Notes, and

     

    (viii)  be
      substantially in
      the form of Exhibit
      C
      attached hereto. Each Request for Purchase shall be in writing and shall be
      deemed made when received by Prudential.

     

    2B(4).
  Rate
      Quotes.
      Not later than
      five Business Days after the Company shall have given Prudential a Request
      for
      Purchase pursuant to paragraph 2B(3), Prudential may, but shall be under no
      obligation to, provide to the Company by telephone or telecopier, in each case
      between 9:30 A.M. and 1:30 P.M. New York City local time (or such later time
      as
      Prudential may elect) interest rate quotes for the several principal amounts,
      maturities, principal prepayment schedules, and interest payment periods of
      Shelf Notes specified in such Request for Purchase. Each quote shall represent
      the interest rate per annum payable on the outstanding principal balance of
      such
      Shelf Notes at which Prudential or a Prudential Affiliate would be willing
      to
      purchase such Shelf Notes at 100% of the principal amount thereof.

     

    2B(5).
  Acceptance.
      Within 30 minutes
      after Prudential shall have provided any interest rate quotes pursuant to
      paragraph 2B(4) or such shorter period as Prudential may specify to the Company
      (such period herein called the “Acceptance
      Window”),
      the Company
      may, subject to paragraph 2B(6), elect to accept such interest rate quotes
      as to
      not less than $5,000,000 aggregate principal amount of the Shelf Notes specified
      in the related Request for Purchase. Such election shall be made by an
      Authorized Officer of the Company notifying Prudential by telephone or
      telecopier within the Acceptance Window (but not earlier than 9:30 a.m. or
      later
      than 2:00 p.m., New York City local time) that the Company elects to accept
      such
      interest rate quotes, specifying the Shelf Notes (each such Shelf Note being
      herein called an “Accepted
      Note”)
      as to which such
      acceptance (herein called a “Acceptance”)
      relates. The day
      the Company notifies Prudential of an Acceptance with respect to any Accepted
      Notes is herein called the “Acceptance
      Day”
for
      such Accepted
      Notes. Any interest rate quotes as to which Prudential does not receive an
      Acceptance within the Acceptance Window shall expire, and no purchase or sale
      of
      Shelf Notes hereunder shall be made based on such expired interest rate quotes.
      Subject to paragraph 2B(6) and the other terms and conditions hereof, the
      Company agrees to sell to Prudential or a Prudential Affiliate, and Prudential
      agrees to purchase, or to cause the purchase by a Prudential Affiliate of,
      the
      Accepted Notes at 100% of the principal amount of such Notes. As soon as
      practicable following the Acceptance Day, the Company, Prudential and each
      Prudential Affiliate which is to purchase any such Accepted Notes will execute
      a
      confirmation of such Acceptance substantially in the form of Exhibit
      D
      attached hereto (herein called a “Confirmation
      of Acceptance”).
      If the Company
      should fail to execute and return to Prudential within three Business Days
      following receipt thereof a Confirmation of Acceptance with respect to any
      Accepted Notes, Prudential may at its election at any time prior to its receipt
      thereof cancel the closing with respect to such Accepted Notes by so notifying
      the Company in writing.

     

    2B(6).
  Market
      Disruption.
      Notwithstanding
      the provisions of paragraph 2B(5), if Prudential shall have provided interest
      rate quotes pursuant to paragraph 2B(4) and thereafter prior to the time an
      Acceptance with respect to such quotes shall have been notified to Prudential
      in
      accordance with paragraph 2B(5) the domestic market for U.S. Treasury securities
      or derivatives shall have closed or there shall have occurred a general
      suspension, material limitation, or significant disruption of trading in
      securities generally on the New York Stock Exchange or in the domestic market
      for U.S. Treasury securities or derivatives, then such interest rate quotes
      shall expire, and no purchase or sale of Shelf Notes hereunder shall be made
      based on such expired interest rate quotes. If the Company thereafter notifies
      Prudential of the Acceptance of any such interest rate quotes, such Acceptance
      shall be ineffective for all purposes of this Agreement, and Prudential shall
      promptly notify the Company that the provisions of this paragraph 2B(6) are
      applicable with respect to such Acceptance.

     

    2B(7).
  Facility
      Closings.
      Not later than
      11:30 A.M. (New York City local time) on the Closing Day for any Accepted Notes,
      the Company will deliver to each Purchaser listed in the Confirmation of
      Acceptance relating thereto, and at the place specified in the applicable
      Purchaser Schedule for such Series of Notes, the Accepted Notes to be purchased
      by such Purchaser in the form of one or more Notes in authorized denominations
      as such Purchaser may request for each Series of Accepted Notes to be purchased
      on the Closing Day, dated the Closing Day and registered in such Purchaser’s
      name (or in the name of its nominee), against payment of the purchase price
      thereof by transfer of immediately available funds for credit to the Company’s
      account specified in the Request for Purchase of such Notes. If the Company
      fails to tender to any Purchaser the Accepted Notes to be purchased by such
      Purchaser on the scheduled Closing Day for such Accepted Notes as provided
      above
      in this paragraph 2B(7), or any of the conditions specified in paragraph 3
      shall
      not have been fulfilled by the time required on such scheduled Closing Day,
      the
      Company shall, prior to 1:00 P.M., New York City local time, on such scheduled
      Closing Day notify Prudential (which notification shall be deemed received
      by
      each Purchaser) in writing whether (i) such closing is to be rescheduled (such
      rescheduled date to be a Business Day during the Issuance Period not less than
      one Business Day and not more than 10 Business Days after such scheduled Closing
      Day (the “Rescheduled
      Closing Day”)
      and certify to
      Prudential (which certification shall be for the benefit of each Purchaser)
      that
      the Company reasonably believes that it will be able to comply with the
      conditions set forth in paragraph 3 on such Rescheduled Closing Day and that
      the
      Company will pay the Delayed Delivery Fee in accordance with paragraph
      2B(8)(iii) or (ii) such closing is to be canceled. In the event that the Company
      shall fail to give such notice referred to in the preceding sentence, Prudential
      (on behalf of each Purchaser) may at its election, at any time after 1:00 P.M.,
      New York City local time, on such scheduled Closing Day, notify the Company
      in
      writing that such closing is to be canceled. Notwithstanding anything to the
      contrary appearing in this Agreement, the Company may elect to reschedule a
      closing with respect to any given Accepted Notes on not more than one occasion,
      unless Prudential shall have otherwise consented in writing.

     

    2B(8).
  Fees.

     

    2B(8)(i).
        Intentionally
      Omitted.

     

    2B(8)(ii).
        Issuance
      Fee.
      The Company will
      pay to Prudential in immediately available funds a fee (herein called the
“Issuance
      Fee”)
      on each Closing
      Day (other than the Series AA Closing Day) in an amount equal to
      0.125% of
      the aggregate
      principal amount of Notes sold on such Closing Day.

     

    2B(8)(iii).
        Delayed
      Delivery Fee.
      If the closing of
      the purchase and sale of any Accepted Note is delayed for any reason beyond
      the
      original Closing Day for such Accepted Note, the Company will pay to Prudential
      (a) on the Cancellation Date or actual closing date of such purchase and sale
      and (b) if earlier, the next Business Day following 90 days after the Acceptance
      Day for such Accepted Note and on each Business Day following 90 days after
      the
      prior payment hereunder, a fee (herein called the “Delayed Delivery Fee”)
      calculated as follows:

     

    (BEY
      - MMY) X
      DTS/360 X PA

    

    where
“BEY”
means
      Bond
      Equivalent Yield, i.e., the bond equivalent yield per annum of such Accepted
      Note, “MMY”
means
      Money
      Market Yield, i.e., the yield per annum on a commercial paper investment of
      the
      highest quality selected by Prudential on the date Prudential receives notice
      of
      the delay in the closing for such Accepted Note having a maturity date or dates
      the same as, or closest to, the Rescheduled Closing Day or Rescheduled Closing
      Days (a new alternative investment being selected by Prudential each time such
      closing is delayed); “DTS”
means
      Days to
      Settlement, i.e., the number of actual days elapsed from and including the
      original Closing Day with respect to such Accepted Note (in the case of the
      first such payment with respect to such Accepted Note) or from and including
      the
      date of the next preceding payment (in the case of any subsequent delayed
      delivery fee payment with respect to such Accepted Note) to but excluding the
      date of such payment; and “PA”
means
      Principal
      Amount, i.e., the principal amount of the Accepted Note for which such
      calculation is being made. In no case shall the Delayed Delivery Fee be less
      than zero. Nothing contained herein shall obligate any Purchaser to purchase
      any
      Accepted Note on any day other than the Closing Day for such Accepted Note,
      as
      the same may be rescheduled from time to time in compliance with paragraph
      2B(7).

     

    2B(8)(iv).
        Cancellation
      Fee.
      If the Company at
      any time notifies Prudential in writing that the Company is canceling the
      closing of the purchase and sale of any Accepted Note, or if Prudential notifies
      the Company in writing under the circumstances set forth in the last sentence
      of
      paragraph 2B(5) or the penultimate sentence of paragraph 2B(7) that the closing
      of the purchase and sale of such Accepted Note is to be canceled, or if the
      closing of the purchase and sale of such Accepted Note is not consummated on
      or
      prior to the last day of the Issuance Period (the date of any such notification,
      or the last day of the Issuance Period, as the case may be, being herein called
      the “Cancellation
      Date”),
      the Company
      will pay the Purchasers in immediately available funds an amount (the
“Cancellation
      Fee”)
      calculated as
      follows:

     

    PI
      X
      PA

    

    where
      "PI"
      means Price
      Increase, i.e.,
      the quotient
      (expressed in decimals) obtained by dividing (a) the excess of the ask price
      (as
      determined by Prudential) of the Hedge Treasury Note(s) on the Cancellation
      Date
      over the bid price (as determined by Prudential) of the Hedge Treasury Notes(s)
      on the Acceptance Day for such Accepted Note by (b) such bid price; and
      "PA"
      has the meaning
      ascribed to it in paragraph 2B(8)(iii). The foregoing bid and ask prices shall
      be as reported by Telerate Systems, Inc. (or, if such data for any reason ceases
      to be available through Telerate Systems, Inc., any publicly available source
      of
      similar market data). Each price shall be based on a U.S. Treasury security
      having a par value of $100.00 and shall be rounded to the second decimal place.
      In no case shall the Cancellation Fee be less than zero.

    

    3.  CONDITIONS
      OF CLOSING.
      The obligations
      of Prudential and each other Purchaser to enter into this Agreement, to purchase
      and pay for any Notes, and to make the Facility available to the Company is
      subject to the satisfaction, on or before the Agreement Effective Date and
      the
      applicable Closing Day for such Notes, of the following conditions:

     

    3A.  Initial
      Closing Documents.
      Prudential shall
      have received the following, each dated the date of the Agreement Effective
      Date:

     

    (i)  Certified
      copies of
      the resolutions of the Board of Directors of the Company authorizing the
      execution and delivery of this Agreement, and of all documents evidencing other
      necessary corporate action and governmental approvals, if any, with respect
      to
      this Agreement.

     

    (ii)  A
      certificate of
      the Secretary or an Assistant Secretary and one other officer of the Company
      certifying the names and true signatures of the officers of the Company
      authorized to sign this Agreement and the other documents to be delivered
      hereunder.

     

    (iii)  Certified
      copies of
      the Certificate of Incorporation and By-laws of the Company.

     

    (iv)  A
      favorable opinion
      of McGuire Woods Battle & Boothe, L.L.P., special counsel to the Company (or
      such other counsel designated by the Company and acceptable to Prudential)
      satisfactory to Prudential and substantially in the form of Exhibit
      E
      attached hereto and as to such other matters as Prudential may reasonably
      request. The Company hereby directs each such counsel to deliver such opinion,
      and understands and agrees that Prudential will and is hereby authorized to
      rely
      on such opinion.

     

    (v)  A
      good standing
      certificate for the Company from the Secretary of State of Delaware dated of
      a
      recent date and good standing or other certificates of qualification to do
      business as a foreign corporation for the Company in the State of Virginia
      and
      North Carolina and such other evidence of the status of the Company as
      Prudential may reasonably request. 

     

    (vi)  Duly
      executed
      amendment to the 1995 Note Agreement.

     

    (vii)  Additional
      documents or certificates with respect to legal matters or corporate or other
      proceedings related to the transactions contemplated hereby as may be reasonably
      requested by Prudential.

     

    3B.  Series
      AA Closing Day and Each other Closing Day.
      Such Purchaser
      shall have received the following, each dated the date of the applicable Closing
      Day:

     

    (i)  The
      Note(s) to be
      purchased by such Purchaser.

     

    (ii)  Certified
      copies of
      the resolutions of the Board of Directors of the Company authorizing the
      execution and delivery of this Agreement and the issuance of the Notes, and
      of
      all documents evidencing other necessary corporate action and governmental
      approvals, if any, with respect to this Agreement and the Notes.

     

    (iii)  A
      certificate of
      the Secretary or an Assistant Secretary and one other officer of the Company
      certifying the names and true signatures of the officers of the Company
      authorized to sign this Agreement and the Notes and the other documents to
      be
      delivered hereunder.

     

    (iv)  Certified
      copies of
      the Certificate of Incorporation and By-laws of the Company (or certification
      of
      the Secretary or an Assistant Secretary as to no changes thereto since the
      delivery of the constituent documents on the prior Closing Day).

     

    (v)  A
      favorable opinion
      of McGuire Woods Battle & Boothe, L.L.P., special counsel to the Company (or
      such other counsel designated by the Company and acceptable to the Purchaser(s))
      satisfactory to such Purchaser and substantially in the form of Exhibit
      E
      attached hereto and as to such other matters as such Purchaser may reasonably
      request. The Company hereby directs each such counsel to deliver such opinion,
      agrees that the issuance and sale of any Notes will constitute a reconfirmation
      of such direction, and understands and agrees that each Purchaser receiving
      such
      an opinion will and is hereby authorized to rely on such opinion.

     

    (vi)  A
      good standing
      certificate for the Company from the Secretary of State of Delaware dated of
      a
      recent date and good standing or other certificates of qualification to do
      business as a foreign corporation for the Company in the State of Virginia
      and
      North Carolina and such other evidence of the status of the Company as such
      Purchaser may reasonably request.

     

    (vii)  Additional
      documents or certificates with respect to legal matters or corporate or other
      proceedings related to the transactions contemplated hereby as may be reasonably
      requested by such Purchaser.

     

    3C.  Opinion
      of Purchaser’s Special Counsel.
      On the Agreement
      Effective Date and each subsequent Closing Day, Prudential and each other
      Purchaser shall have received from King & Spalding, LLP a favorable opinion
      satisfactory to Prudential and each other Purchaser as to such matters incident
      to the matters herein contemplated as it may reasonably request.

     

    3D.  Representations
      and Warranties; No Default.
      The
      representations and warranties contained in paragraph 8 shall be true in all
      material respects on and as of the Agreement Effective Date and each such
      Closing Day, except to the extent of changes caused by the transactions herein
      contemplated; there shall exist on the Agreement Effective Date and such Closing
      Day no Event of Default or Default; and the Company shall have delivered to
      such
      Purchaser an Officer’s Certificate, dated the Agreement Effective Date or such
      Closing Day, to both such effects.

     

    3E.  Purchase
      Permitted by Applicable Laws.
      The purchase of
      and payment for the Notes to be purchased by such Purchaser on the terms and
      conditions herein provided (including the use of the proceeds of such Notes
      by
      the Company) shall not violate any applicable law or governmental regulation
      (including, without limitation, Section 5 of the Securities Act or Regulation
      T,
      U or X of the Board of Governors of the Federal Reserve System) and shall not
      subject such Purchaser to any tax, penalty, liability or other onerous condition
      under or pursuant to any applicable law or governmental regulation, and such
      Purchaser shall have received such certificates or other evidence as it may
      reasonably request to establish compliance with this condition.

     

    3F.  Payment
      of Fees.
      The Company shall
      have paid to Prudential on the applicable Closing Day any fees due it pursuant
      to or in connection with this Agreement, including any Issuance Fee due pursuant
      to paragraph 2B(8)(ii) and any Delayed Delivery Fee due pursuant to paragraph
      2B(8)(iii).

     

    3G.  No
      Material Adverse Change.
      Prudential shall
      have received a certificate from the chief financial officer of the Company,
      dated the Agreement Effective Date or the applicable Closing Day, saying that,
      except as set forth on Schedule 8B, no material adverse change in the financial
      condition, business, operations or prospects of the Company or its Subsidiaries,
      taken as a whole, has occurred since December 31, 2005.

     

    3H.  Private
      Placement Numbers.
      A private
      placement number issued by Standard & Poor’s CUSIP Service Bureau (in
      cooperation with the Securities Valuation Office of the National Association
      of
      Insurance Commissioners) shall have been obtained for the Notes to be purchased
      on the applicable Closing Day.

     

    3I.  Location
      of Closings.
      Prudential,
      together with each other Purchaser, acknowledges and agrees that it has
      delivered, with the intent to be bound, its executed counterparts of this
      Agreement to counsel for the Purchasers, c/o King & Spalding LLP, 1185
      Avenue of the Americas, New York, New York 10036. The Company acknowledges
      and
      agrees that it has delivered, with the intent to be bound, its executed
      counterparts of this Agreement, together with all other documents, instruments,
      opinions, certificates and other items required under paragraph 3A to counsel
      for the Purchasers, c/o King & Spalding LLP, 1185 Avenue of the Americas,
      New York, New York 10036. All parties agree that closing of the transactions
      contemplated by this Agreement on the Agreement Effective Date and each
      subsequent Closing Day shall be deemed to have occurred in New York and that
      all
      deliveries on each subsequent Closing Day for the Notes shall be delivered
      to
      counsel for the Purchasers, c/o King & Spalding, LLP, 1185 Avenue of the
      Americas, New York, New York 10036.

     

    4.  PREPAYMENTS.
      The 2001 Notes
      shall be subject to required prepayment as and to the extent set forth in the
      Notes of such Series. The Series AA Notes and any Shelf Notes shall be subject
      to required prepayment as and to the extent provided in paragraphs 4A and 4B,
      respectively. The Notes shall also be subject to prepayment under the
      circumstances set forth in paragraph 4C. Any prepayment made by the Company
      pursuant to any other provision of this paragraph 4 shall not reduce or
      otherwise affect its obligation to make any required prepayment as specified
      in
      the 2001 Notes or in paragraphs 4A or 4B.

     

    4A.  Required
      Prepayments of Series AA Notes. Until
      the Series AA
      Notes shall be paid in full, the Company shall apply to the prepayment of the
      Series AA Notes, without Yield-Maintenance Amount, the sum of $3,571,428.57
      on
      May 3rd of each year, commencing on May 3, 2011,
      and such principal
      amounts of the Series AA Notes, together with interest thereon to the payment
      dates, shall become due on such payment dates. The remaining unpaid principal
      amount of the Series AA Notes, together with interest accrued thereon, shall
      become due on the maturity date of the Series AA Notes. 

     

    4B.  Required
      Prepayments of Shelf Notes.
      Each Series of
      Shelf Notes shall be subject to required prepayments, if any, set forth in
      the
      Notes of such Series.

     

    4C.  Optional
      Prepayment With Yield-Maintenance Amount.
      The Notes of each
      Series shall be subject to prepayment, in whole at any time or from time to
      time
      in part (in integral multiples of $100,000 and in a minimum amount of
      $1,000,000), at the option of the Company, at 100% of the principal amount
      so
      prepaid plus interest thereon to the prepayment date and the Yield-Maintenance
      Amount, if any, with respect to each such Note. Any partial prepayment of a
      Series of the Notes pursuant to this paragraph 4C shall be applied in
      satisfaction of required payments of principal in inverse order of their
      scheduled due dates.

     

    4D.  Notice
      of Optional Prepayment.
      The Company shall
      give the holder of each Note of a Series to be prepaid pursuant to paragraph
      4C
      irrevocable written notice of such prepayment not less than 5 Business Days
      prior to the prepayment date, specifying such prepayment date, the aggregate
      principal amount of the Notes of such Series to be prepaid on such date, the
      principal amount of the Notes of such Series held by such holder to be prepaid
      on that date and that such prepayment is to be made pursuant to paragraph 4C.
      Notice of prepayment having been given as aforesaid, the principal amount of
      the
      Notes specified in such notice, together with interest thereon to the prepayment
      date and together with the Yield-Maintenance Amount, if any, herein provided,
      shall become due and payable on such prepayment date. The Company shall use
      reasonable efforts, on or before the day on which it gives written notice of
      any
      prepayment pursuant to paragraph 4C, to give telephonic notice of the principal
      amount of the Notes to be prepaid and the prepayment date to each Significant
      Holder which shall have designated a recipient for such notices in the Purchaser
      Schedule attached hereto or the applicable Confirmation of Acceptance or by
      notice in writing to the Company.

     

    4E.  Application
      of Required Prepayments.
      In the case of
      each prepayment of less than the entire unpaid principal amount of all
      outstanding Notes of any Series pursuant to paragraphs 4A, 4B or 4C, the amount
      to be prepaid shall be applied pro rata to all outstanding Notes of such Series
      (including, for the purpose of this paragraph 4E only, all Notes of such Series
      prepaid or otherwise retired or purchased or otherwise acquired by the Company
      or any of its Subsidiaries or Affiliates other than by prepayment pursuant
      to
      paragraph 4A, 4B or 4C) according to the respective unpaid principal amounts
      thereof.

     

    4F.  Retirement
      of Notes.
      The Company shall
      not, and shall not permit any of its Subsidiaries or Affiliates to, prepay
      or
      otherwise retire in whole or in part prior to their stated final maturity (other
      than by prepayment pursuant to paragraphs 4A, 4B or 4C or upon acceleration
      of
      such final maturity pursuant to paragraph 7A), or purchase or otherwise acquire,
      directly or indirectly, Notes of any Series held by any holder unless the
      Company or such Subsidiary or Affiliate shall have offered to prepay or
      otherwise retire or purchase or otherwise acquire, as the case may be, the
      same
      proportion of the aggregate principal amount of Notes of such Series held by
      each other holder of Notes of such Series at the time outstanding upon the
      same
      terms and conditions. Any Notes so prepaid or otherwise retired or purchased
      or
      otherwise acquired by the Company or any of its Subsidiaries or Affiliates
      shall
      not be deemed to be outstanding for any purpose under this Agreement, except
      as
      provided in paragraph 4E.

     

    5.  AFFIRMATIVE
      COVENANTS.

     

    5A.  Reporting
      Requirements.

     

    5A(1).
  General
      Information.
      The Company
      covenants that it will deliver to each Significant Holder in
      triplicate:

     

    (i)  as
      soon as
      practicable and in any event within 45 days after the end of each quarterly
      period (other than the fourth quarterly period) in each fiscal
      year,

     

    (1) Consolidated
      statements of income, stockholders’ equity and cash flows for the period from
      the beginning of the current fiscal year to the end of such quarterly period,
      and

     

    (2) a
      Consolidated
      balance sheet as at the end of such quarterly period,

     

    setting
      forth in
      each case in comparative form figures for the corresponding period in the
      preceding fiscal year, all in reasonable detail and satisfactory in form to
      the
      Required Holder(s) and certified by an authorized financial officer of the
      Company as fairly presenting, in all material respects, the financial condition
      of the Company and its Consolidated Subsidiaries as of the end of such period
      and the results of their operations for the period then ended in accordance
      with
      generally accepted accounting principles, subject to changes resulting from
      normal year-end adjustments and the inclusion of abbreviated footnotes;
provided,
      however,
      that delivery
      pursuant to clause (iii) below of copies of the Quarterly Report on Form 10-Q
      of
      the Company for such quarterly period filed with the Securities and Exchange
      Commission shall be deemed to satisfy the requirements of this clause
      (i);

     

    (ii)  as
      soon as
      practicable and in any event within 90 days after the end of each fiscal
      year,

     

    
      	 	
              (1)

            	
              Consolidated
                statements of income, stockholders’ equity and cash flows for such year,
                and

            

    

     

    
      	 	
              (2)

            	
              a
                Consolidated balance sheet as at the end of such
                year,

            

    

     

    setting
      forth in
      each case in comparative form corresponding Consolidated figures from the
      preceding annual audit, all in reasonable detail and satisfactory in scope
      to
      the Required Holder(s) and reported on by independent public accountants of
      recognized standing selected by the Company whose report shall be without
      limitation as to the scope of the audit and reasonably satisfactory in substance
      to the Required Holder(s); provided,
      however,
      that delivery
      pursuant to clause (iii) below of copies of the Annual Report on Form 10-K
      of
      the Company for such year filed with the Securities and Exchange Commission
      shall be deemed to satisfy the requirements of this clause (ii);

     

    (iii)  promptly
      upon
      transmission thereof, copies of all such financial statements, proxy statements,
      notices and reports as it shall send to its public stockholders and copies
      of
      all registration statements (without exhibits) and all reports (other than
      any
      registration statement filed on Form S-8) which it files with the Securities
      and
      Exchange Commission (or any governmental body or agency succeeding to the
      functions of the Securities and Exchange Commission);

     

    (iv)  promptly
      upon
      receipt thereof, a copy of each other report (including, without limitation,
      management letters) submitted to the Company or any Subsidiary by independent
      accountants in connection with any annual, interim or special audit made by
      them
      of the books of the Company or any Subsidiary;

     

    (v)  promptly
      upon
      receipt thereof, a copy of each report, survey, study, evaluation, assessment
      or
      other document prepared by any consultant, engineer, Environmental Authority
      or
      other Person relating to compliance by the Company or any Subsidiary with any
      Environmental Requirements, if the cost of remediation, repair or compliance
      may
      be reasonably expected to exceed $500,000 in any one case or in the
      aggregate,

     

    (vi)  with
      reasonable
      promptness, upon the request of the holder of any Note, provide such holder,
      and
      any qualified institutional buyer designated by such holder, such financial
      and
      other information as such holder may reasonably determine to be necessary in
      order to permit compliance with the information requirements of Rule 144A under
      the Securities Act in connection with the resale of Notes, except at such times
      as the Company is subject to the reporting requirements of section 13 or 15(d)
      of the Exchange Act. For the purpose of this clause (vii), the term “qualified
      institutional buyer” shall have the meaning specified in Rule 144A under the
      Securities Act; and

     

    (vii)  with
      reasonable
      promptness, such other financial data as a Significant Holder may reasonably
      request,

     

    5A(2).
  Quarterly
      Officer’s Certificates.
      Together with
      each delivery of financial statements required by clauses 5A(1)(i) and (ii)
      above, the Company will deliver to each Significant Holder an Officer’s
      Certificate demonstrating (with computations in reasonable detail) compliance
      with the provisions of paragraphs 6A, 6B and 6D and stating that there exists
      no
      Event of Default or Default, or, if any Event of Default or Default exists,
      specifying the nature and period of existence thereof and what action the
      Company has taken, is taking or proposes to take with respect
      thereto;

     

    5A(3).
  Annual
      Accountant’s Letter.
      Together with
      each delivery of financial statements required by clause 5A(1)(ii) above, the
      Company will deliver to each Significant Holder a certificate of the independent
      public accountants giving the report on such financial statements stating that,
      in making the audit necessary for their report, they have obtained no knowledge
      of any Event of Default or Default, or, if they have obtained knowledge of
      any
      Event of Default or Default, specifying the nature and period of existence
      thereof. The accountants, however, shall not be liable to anyone as a result
      of
      this provision by reason of their failure to obtain knowledge of any Event
      of
      Default or Default which would not be disclosed in the course of an audit
      conducted in accordance with generally accepted auditing standards;

     

    5A(4).
  Special
      Information.
      The Company also
      covenants that within 5 Business Days after any Responsible Officer obtains
      knowledge of:

     

    (a)  an
      Event of Default
      or Default,

     

    (b)  a
      material adverse
      change in the financial condition, business or operations of the Company and
      its
      Subsidiaries, taken as a whole,

     

    (c)  legal
      proceedings
      filed against the Company and/or any Subsidiary, which reasonably could be
      expected to have a material adverse effect on the financial condition, business
      or operations of the Company and its Subsidiaries, taken as a whole, or which
      in
      any manner draws into question the validity of or reasonably could be expected
      to impair the ability of the Company to perform its obligations under this
      Agreement or the Notes;

     

    (d)  a
      default under any
      agreement or note evidencing Debt for which the Company or any Subsidiary is
      liable, which individually or in the aggregate with all other agreements and
      notes in default for which the Company or any Subsidiary is liable, exceeds
      $5,000,000;

     

    (e)  the
      occurrence of
      any other event that reasonably could be expected to impair the ability of
      the
      Company to meet its obligations hereunder;

     

    (f)  any
      (i)
      Environmental Liabilities, (ii) pending, threatened or anticipated Environmental
      Proceedings, (iii) Environmental Notices, (iv) Environmental Judgments and
      Orders, or (v) Environmental Releases at, on, in, under or in any way affecting
      the Properties which reasonably could be expected to have a material adverse
      effect on the business, operations or financial condition of the Company and
      its
      Subsidiaries, taken as a whole; or

     

    (g)  with
      respect to any
      Plan that is subject to the funding requirements of Section 302 of ERISA or
      Section 412 of the Code, the Company (i) has given or is required to give notice
      to the Pension Benefit Guaranty Corporation that a material reportable event
      has
      occurred with respect to such Plan, (ii) has delivered notice to the Pension
      Benefit Guaranty Corporation of any intent to withdraw from or terminate any
      such Plan, or (iii) has failed to make timely a contribution to any such
      Plan;

     

    the
      Company will
      deliver to each Significant Holder an Officer’s Certificate specifying the
      nature and period of existence thereof and what action the Company or the
      Subsidiary has taken, is taking or proposes to take with respect
      thereto.

     

    5B.  Inspection
      of Property.
      The Company
      covenants that, at such reasonable times and as often as a Significant Holder
      may reasonably request, it will permit any Person designated by a Significant
      Holder in writing, at such Significant Holder’s expense unless a Default has
      occurred and is continuing in which case at the Company’s expense,
      to:

     

    (i)  visit
      and inspect
      any of the properties of the Company and any Subsidiary;

     

    (ii)  examine
      the
      corporate books and financial records of the Company and its Subsidiaries and
      make copies thereof or extracts therefrom; and

     

    (iii)  discuss
      the
      affairs, finances and accounts of any of such corporations with the principal
      officers of the Company or any Subsidiary and independent public accountants
      to
      the Company.

     

    5C.  Covenant
      to Secure Notes Equally.
      The Company
      covenants that if it or any Subsidiary shall create or assume any Lien upon
      any
      of its property or assets, whether now owned or hereafter acquired, other than
      Liens permitted by paragraph 6C(1) (unless prior written consent shall have
      been
      obtained under paragraph 11C), it will make or cause to be made effective
      provision whereby the Notes will be secured by such Lien equally and ratably
      with any and all other Debt thereby secured so long as any such other Debt
      shall
      be so secured.

     

    5D.  Guaranteed
      Obligations.
      The Company
      covenants that if any Person (other than the Company) guarantees or provides
      collateral in any manner for any Debt of the Company or any Subsidiary, it
      will
      simultaneously cause such Person to guarantee or provide collateral for the
      Notes equally and ratably with all Debt guaranteed or secured by such Person
      pursuant to documentation in form and substance reasonably satisfactory to
      such
      holder.

     

    5E.  Maintenance
      of Insurance.
      The Company
      covenants that it and each Subsidiary will maintain, with responsible insurers,
      insurance with respect to its properties and business against such casualties
      and contingencies (including, but not limited to, public liability, larceny,
      embezzlement or other criminal misappropriation) and in such amounts as is
      customary in the case of similarly situated corporations engaged in the same
      or
      similar businesses.

     

    5F.  Maintenance
      of Corporate Existence/Compliance with Law/Preservation of
      Property.
      The Company
      covenants that, except as permitted under paragraph 6C(3) and 6D, it and each
      Subsidiary will do or cause to be done all things necessary to:

     

    (i)  preserve,
      renew and
      keep in full force and effect the corporate existence of the Company and its
      Subsidiaries (other than those Subsidiaries not material to the financial
      condition, business or operations of the Company and its Subsidiaries taken
      as a
      whole);

     

    (ii)  comply
      with all
      laws and regulations (including, without limitation, laws and regulations
      relating to equal employment opportunity and employee safety) applicable to
      it
      and any Subsidiary except where the failure to comply could not reasonably
      be
      expected to have a material adverse effect on the business, operations or
      financial condition of the Company and its Subsidiaries, taken as a
      whole;

     

    (iii)  maintain,
      preserve
      and protect all material intellectual property of the Company and its
      Subsidiaries, and

     

    (iv)  preserve
      all the
      remainder of its property used or useful in the conduct of its business and
      keep
      the same in good repair, working order and condition excluding normal wear
      and
      tear.

     

    5G.  Compliance
      with Environmental Laws.
      The Company
      covenants that it and each Subsidiary will, comply in a timely fashion with,
      or
      operate pursuant to valid waivers of the provisions of, all applicable
      Environmental Requirements, including, without limitation, the emission of
      wastewater effluent, solid and hazardous waste and air emissions together with
      any other applicable Environmental Requirements for conducting, on a timely
      basis, periodic tests and monitoring for contamination of ground water, surface
      water, air and land and for biological toxicity of the aforesaid, and all
      applicable regulations of the Environmental Protection Agency or other relevant
      federal, state or local governmental authority, except where the failure to
      comply could not reasonably be expected to have a material adverse effect on
      the
      business, operations or financial condition of the Company and its Subsidiaries,
      taken as a whole. The Company agrees to indemnify and hold you, your officers,
      agents and employees (each an “Indemnified
      Person”)
      harmless from any
      loss, liability, claim or expense that you may incur or suffer as a result
      of a
      breach by the Company or any Subsidiary, as the case may be, of this covenant
      other than as a result of the gross negligence or willful misconduct of such
      Indemnified Person. The Company shall not be deemed to have breached or violated
      this paragraph 5G if the Company or any Subsidiary is challenging in good faith
      by appropriate proceedings diligently pursued the application or enforcement
      of
      such Environmental Requirements for which adequate reserves have been
      established in accordance with generally accepted accounting
      principles.

     

    5H.  No
      Integration.
      The Company
      covenants that it has taken and will take all necessary action so that the
      issuance of the Notes does not and will not require registration under the
      Securities Act. The Company covenants that no future offer and sale of debt
      securities of the Company of any class will be made if there is a reasonable
      possibility that such offer and sale would, under the doctrine of “integration”,
      subject the issuance of the Notes to you to the registration requirements of
      the
      Securities Act.

     

    5I.  Financial
      Records.
      The Company
      covenants that it and each Subsidiary will, keep proper books of record and
      account in which full and correct entries (subject to normal year end
      adjustments and, as to interim statements, the absence of footnotes) will be
      made of the business and affairs of the Company or such Subsidiary under
      generally accepted accounting principles consistently applied (except for
      changes disclosed in the financial statements furnished to you pursuant to
      paragraph 5A and concurred in by the independent public accountants referred
      to
      in paragraph 5A).

     

    

    6.  NEGATIVE
      COVENANTS.
      Unless the
      Required Holders otherwise agree in writing, the Company shall not, and shall
      not permit any Subsidiary, to take any of the following actions or permit the
      occurrence or existence of any of the following events or
      conditions:

     

    6A.  Fixed
      Charge Coverage and Debt Limits.
      The Company
      covenants that it will not at any time permit:

     

    (i)  Consolidated
      Operating Income to be less than 200% of Consolidated Fixed Charges;
      or

     

    (ii)  Consolidated
      Debt
      to exceed 55% of Consolidated Capitalization; or

     

    (iii)  Consolidated
      Priority Debt to exceed 10% of Consolidated Net Worth; or

     

    (iv)  the
      ratio of
      Consolidated Debt to Consolidated EBITDA to exceed 2.75:1.00.

     

    6B.  Intentionally
      Omitted.

     

    6C.  Liens,
      Debt and Other Restrictions.
      The Company
      covenants that it will not and will not permit any Subsidiary to:

     

    6C(1).
  Liens.
      Create, assume or
      suffer to exist any Lien upon any of its property or assets, whether now owned
      or hereafter acquired (whether or not provision is made for the equal and
      ratable securing of the Notes pursuant to paragraph 5C), except:

     

    (i)  Liens
      for taxes
      (including ad valorem and property taxes) and assessments or governmental
      charges or levies not yet due or which are being actively contested in good
      faith by appropriate proceedings;

     

    (ii)  other
      Liens
      incidental to the conduct of its business or the maintenance, operation,
      construction or ownership of its property and assets (including pledges or
      deposits in connection with workers’ compensation and social security taxes,
      assessments and charges, and landlords, mechanics and materialmen Liens and
      survey exceptions or encumbrances, easements or reservations, rights-of-way,
      or
      zoning restrictions) provided
      that (A) such
      Liens were not incurred in connection with the borrowing of money, or the
      obtaining of advances or credit or the payment of the deferred purchase price
      of
      property and (B) the existence of such Lien does not materially detract from
      the
      value of such property or assets to the Company or any Subsidiary or
      unreasonably interfere with the ordinary conduct of business;

     

    (iii)  Liens
      (other than
      any Lien imposed by ERISA) incurred or deposits made in the ordinary course
      of
      business to secure (or to obtain letters of credit that secure) the performance
      of tenders, statutory obligations, surety and appeal bonds, bids, leases,
      performance bonds, purchase, construction or sales contracts and other similar
      obligations, in each case not incurred or made in connection with
      Debt;

     

    (iv)  to
      the extent
      permitted under paragraphs 6A and 6C(2), any Lien created to secure all or
      any
      part of the purchase price incurred or assumed to pay all or any part of the
      purchase price of property acquired by the Company or a Subsidiary after the
      date of this Agreement, provided
      that:

     

    (A) any
      such Lien shall
      be confined solely to the item or items of property so acquired and, if required
      by the terms of the instrument originally creating such Lien, other property
      which is an improvement to or for specific use with such acquired
      property;

     

    (B) the
      principal
      amount of the Debt secured by any such Lien shall at no time exceed 100% of
      the
      lesser of (1) the cost to the Company or the Subsidiary of the property acquired
      and (2) the Fair Market Value of such property (as determined in good faith
      by
      the Company’s Board) at the time of such acquisition; and

     

    (C) any
      such Lien shall
      be created within 365 days after the acquisition of the property or completion
      of the improvements;

     

    (v)  Liens
      securing
      Capitalized Lease Obligations, provided such Liens are limited to the property
      subject to such leases;

     

    (vi)  other
      Liens
      securing Consolidated Priority Debt permitted under paragraphs 6A and 6C(2);
      and

     

    (vii)  any
      right of set
      off or banker’s lien (whether by common law, statute, contract or otherwise) in
      favor of any Person to whom neither the Company nor Subsidiary owes any
      Debt.

     

    6C(2).
  Debt.
      Create, incur,
      assume or suffer to exist any Debt, except:

     

    (i)  Debt
      of any
      Subsidiary to the Company or any Wholly-Owned Subsidiary;

     

    (ii)  other
      Debt of
      Subsidiaries permitted under paragraph 6A; and

     

    (iii)  other
      Debt of the
      Company (other than Debt owed to a Subsidiary) if after giving effect thereto,
      the Company is in compliance with the provisions of paragraph 6A.

     

    6C(3).
  Merger
      or Consolidation.
      Merge,
      consolidate or exchange shares with any other Person, except that:

     

    (i)  any
      Subsidiary may
      merge or consolidate with the Company or any Wholly-Owned Subsidiary;
provided,
      in the case of a
      Wholly-Owned Subsidiary, it remains a Wholly-Owned Subsidiary after the merger
      or consolidation; and

     

    (ii)  the
      Company may
      merge or consolidate with any other corporation (including a Subsidiary) if
      the
      continuing or surviving corporation is the Company and immediately after such
      merger or consolidation, no Default or Event of Default shall have occurred
      or
      exist.

     

    6C(4).
  Sale
      or
      Discount of Receivables.
      Sell with
      recourse, or discount or otherwise sell for less than the face value thereof,
      any of its notes or accounts receivable.

     

    6C(5).
  Change
      in Business.
      Enter into any
      business which is substantially different from the manufacturing of home
      furnishings.

     

    6C(6).
  Transactions
      with Related Party.
      Effect any
      transaction with any Affiliate or Subsidiary (other than a Wholly-Owned
      Subsidiary) by which any assets or services of the Company or a Subsidiary
      of
      the Company is transferred to such Affiliate or Subsidiary (other than a
      Wholly-Owned Subsidiary), or from such Affiliate or Subsidiary (other than
      a
      Wholly-Owned Subsidiary) or enter into any other transaction with an Affiliate
      or Subsidiary (other than a Wholly-Owned Subsidiary), on terms more favorable
      than would be reasonably expected to be given in a similar transaction with
      an
      unrelated entity.

     

    6C(7).
  Investments.
      Make, or permit
      to remain, an Investment except:

     

    (i)  any
      Investment in a
      Subsidiary or an entity that becomes a Subsidiary simultaneously with such
      Investment,

     

    (ii)  any
      evidence of
      debt, maturing not more than one year after the date of issue, issued by the
      United States of America, or any instrumentality or agency thereof and
      guaranteed fully as to principal, interest and premium, if any, by the United
      States of America,

     

    (iii)  any
      repurchase
      agreement or certificate of deposit, maturing not more than one year after
      the
      date of purchase, issued by Wachovia Bank, National Association, or a commercial
      bank, bank holding company or trust company which is located within the United
      States of America, organized under the laws of the United States of America
      or
      the laws of any State thereof, is a member of the Federal Reserve System, has
      a
      Thompson Bank Watch Rating (or if no longer available, a comparable rating
      system), at the time of determination, of “B” (or higher), and has a combined
      capital and surplus and undivided profits of at least $500,000,000,

     

    (iv)  commercial
      paper,
      maturing not more than 270 days after the date of purchase, issued by a
      corporation (other than the Company or any Subsidiary or Affiliate) organized
      and existing under the laws of any state within the United States of America
      with a rating, at the time as of which any determination thereof is to be made,
      of “P-I” (or higher) according to Moody’s Investors Service (or if no longer
      available, a comparable rating system), or “A-1” (or higher) according to
      Standard & Poor’s Corporation (or if no longer available, a comparable
      rating system),

     

    (v)  property
      or assets
      acquired solely in exchange for capital stock of the Company, and

     

    (vi)  any
      other
      Investment of the Company or any of its Subsidiaries so long as the amount
      of
      all such Investments, other than investments specified in clauses (i) through
      (v) above shall not exceed an amount equal to 10% of Consolidated Assets.

     

    6D.  Sale
      of
      Property.
      The Company will
      not, and will not permit any Subsidiary to, Dispose of any property or assets,
      except:

     

    (i)  The
      Company or any
      Subsidiary may sell inventory in the ordinary course of business for Fair Market
      Value;

     

    (ii)  any
      Subsidiary may
      Dispose of its assets to the Company or a Wholly-Owned Subsidiary;

     

    (iii)  the
      Company or any
      Subsidiary may Dispose of its assets (whether or not leased back) so long as,
      immediately after giving effect to such proposed Disposition:

     

    (A) the
      consideration
      for such assets represents the Fair Market Value of such assets (as determined
      in good faith by the Company’s Board) at the time of such Disposition;
      and

     

    (B) the
      net book value
      of all assets so Disposed of by the Company and its Subsidiaries during the
      prior 12 months, does not exceed 15% of Consolidated Assets; and

     

    (C) the
      amount of
      Consolidated Operating Income produced by all assets so Disposed of by the
      Company and its Subsidiaries during the prior 12 months, does not exceed 15%
      of
      Consolidated Operating Income at the end of the most recently completed 12
      months; and

     

    (D) no
      Default or Event
      of Default shall exist;

     

    provided,
      however,
      if after any
      Disposition, the net book value of all assets Disposed of during the prior
      12
      months exceeds 15% of Consolidated Assets or the Consolidated Operating Income
      produced by all assets Disposed of during the prior 12 months exceeds 15% of
      Consolidated Operating Income, the Company shall, within 12 months of the date
      of such Disposition, apply the proceeds (net of reasonable expenses) from such
      Disposition (or such portion thereof as is necessary to cause compliance with
      the provisions of this paragraph 6D(iii)) to acquire operating assets and
      equipment to be used in the furniture manufacturing business of the Company
      and
      its Wholly-Owned Subsidiaries.

     

    For
      purposes of
      this paragraph 6D:

     

    (i)  “Disposition”
means
      the sale,
      lease, transfer or other disposition of property, and “Disposed
      of”
      has a
      corresponding meaning to Disposition;

     

    (ii)  Calculation
      of net book value/Consolidated Operating Income.
      The net book
      value of any assets shall be determined as of the respective date of Disposition
      of those assets and the Consolidated Operating Income produced by any assets
      shall be determined using Consolidated Operating Income for the 12 month period
      before the respective date of Disposition of those assets; and

     

    (iii)  Sales
      of less than all the stock of a Subsidiary.
      In the case of
      the sale or issuance of the stock of a Subsidiary, the amount of Consolidated
      Operating Income, or amount of Consolidated Assets, as the case may be,
      contributed by the stock Disposed of shall be assumed to be the percentage
      of
      outstanding stock sold or to be sold.

     

    6E.  Subsidiary
      Stock and Debt.
      The Company will
      not:

     

    (i)  directly
      or
      indirectly sell, assign, pledge or otherwise dispose of any Debt of or any
      shares of stock of (or warrants, rights or options to acquire stock of) any
      Subsidiary except to a Wholly-Owned Subsidiary and except as permitted pursuant
      to paragraph 6D;

     

    (ii)  permit
      any
      Subsidiary directly or indirectly to sell, assign, pledge or otherwise dispose
      of any Debt of the Company or any other Subsidiary, or any shares of stock
      of
      (or warrants, rights or options to acquire stock of) any other Subsidiary,
      except to the Company or a Wholly-Owned Subsidiary and except pursuant to
      paragraph 6D;

     

    (iii)  permit
      any
      Subsidiary to have outstanding any shares of Preferred Stock other than
      Preferred Stock owned by the Company or a Wholly-Owned Subsidiary;

     

    (iv)  permit
      any
      Subsidiary directly or indirectly to issue or sell any shares of its stock
      (or
      warrants, rights or options to acquire its stock) except to the Company or
      a
      Wholly-Owned Subsidiary and except as permitted pursuant to paragraph 6C(3)
      and
      6D; or

     

    (v)  permit
      any
      Subsidiary to enter into or otherwise be bound by or subject to any contract
      or
      agreement (including, without limitation, any provision of its certificate
      or
      articles of incorporation or bylaws) that restricts its ability to pay dividends
      or other distributions on account of its stock; or

     

    (vi)  permit
      any
      Subsidiary to create, incur, assume or maintain any Debt except as permitted
      by
      paragraphs 6A and 6C(2).

     

    6F.  ERISA.
      The Company
      covenants that it will not nor permit any Subsidiary to:

     

    (i)  terminate
      or
      withdraw from any Plan resulting in the incurrence of any material liability
      to
      the Pension Benefit Guaranty Corporation;

     

    (ii)  engage
      in or permit
      any Person to engage in any prohibited transaction (as defined in Section 4975
      of the Code) involving any Plan (other than a Multiemployer Plan) which would
      subject the Company or any Subsidiary to any material tax, penalty or other
      liability;

     

    (iii)  incur
      or suffer to
      exist any material accumulated funding deficiency (as defined in section 302
      of
      ERISA and section 412 of the Code), whether or not waived, involving any Plan
      (other than a Multiemployer Plan); or

     

    (iv)  allow
      or suffer to
      exist any risk or condition which presents a risk of incurring a material
      liability to the Pension Benefit Guaranty Corporation.

     

    6G.  Environmental
      Matters.
      The Company
      covenants that it will not, and will not permit any Third Party to, use,
      produce, manufacture, process, generate, store, dispose of, manage at, or ship
      or transport to or from the Properties any Hazardous Materials except for
      Hazardous Materials used, produced, released or managed in the ordinary course
      of business in compliance with all applicable Environmental Requirements except
      where the failure to do so could not reasonably be expected to have a material
      adverse effect on the business, operations or financial condition of the Company
      and its Subsidiaries taken as a whole and except for Hazardous Materials
      released in amounts which do not require remediation pursuant to applicable
      Environmental Requirements or if remediation is required, such remediation
      could
      not reasonably be expected to have a material adverse effect on the business,
      operations or financial condition of the Company and its Subsidiaries taken
      as a
      whole.

     

    6H.  Specified
      Laws.
      Neither the
      Company nor any agent acting on its behalf will take any action which could
      reasonably be expected to cause this Agreement or the Notes to violate
      Regulation U, Regulation T or any other regulation of the Board of Governors
      of
      the Federal Reserve System or to violate the Exchange Act, in any case as in
      effect now or as the same may hereafter be in effect. At
      no time shall
      more than twenty-five percent (25%) of the Company’s Consolidated Assets subject
      to the restrictions set forth in paragraph 6(C)(1) be represented by “margin
      stock”, as such term is defined in Regulation U.

     

    

    7.  EVENTS
      OF DEFAULT.

     

    7A.  Acceleration.
      If any of the
      following events shall occur and be continuing for any reason whatsoever (and
      whether such occurrence shall be voluntary or involuntary or come about or
      be
      effected by operation of law or otherwise):

     

    (i)  the
      Company
      defaults in the payment of any principal of or Yield-Maintenance Amount payable
      with respect to any Note when the same shall become due, either by the terms
      thereof or otherwise as herein provided; or

     

    (ii)  the
      Company
      defaults in the payment of any interest on any Note for more than 5 calendar
      days after the date due; or

     

    (iii)  the
      Company or any
      Subsidiary defaults (whether as primary obligor or as guarantor or other surety)
      in any payment of principal of or interest on any other obligation for money
      borrowed (or any Capitalized Lease Obligation, any obligation under a
      conditional sale or other title retention agreement, any obligation (other
      than
      a current trade payable which does not constitute Debt) issued or assumed as
      full or partial payment for property whether or not secured by a purchase money
      mortgage or any obligation under notes payable or drafts accepted representing
      extensions of credit) beyond any period of grace provided with respect thereto;
      or the Company or any Subsidiary fails to perform or observe any other
      agreement, term or condition contained in any agreement under which any such
      obligation is created (or if any other event thereunder or under any such
      agreement shall occur and be continuing) and the effect of such failure or
      other
      event is to cause, or to permit the holder or holders of such obligation (or
      a
      trustee on behalf of such holder or holders) to cause, such obligation to become
      due (or to be repurchased by the Company or any Subsidiary) prior to any stated
      maturity, provided that the aggregate amount of all obligations as to which
      such
      a payment default shall occur and be continuing or such a failure or other
      event
      causing or permitting acceleration (or resale to the Company or any Subsidiary)
      shall occur and be continuing exceeds $5,000,000; or

     

    (iv)  any
      representation
      or warranty made by the Company herein or by the Company or any of its officers
      in any writing furnished in connection with or pursuant to this Agreement shall
      be false in any material respect on the date as of which made; or

     

    (v)  the
      Company fails
      to perform or observe any agreement contained in paragraph 6 (other than
      paragraphs 6C(6), 6F, 6G and 6H and solely to the extent that a commercial
      bank,
      bank holding company or trust company shall fail to meet the standards specified
      in clause (iii) of paragraph 6C(7) after the date of an Investment by the
      Company under such clause (iii), paragraphs 6C(7)(iii) and solely to the extent
      a corporation shall fail to meet the standards specified in clause (iv) of
      paragraph 6C(7) after the date of an Investment by the Company under such clause
      (iv), paragraph 6C(7)(iv)); or

     

    (vi)  the
      Company fails
      to perform or observe any other agreement contained herein and such failure
      shall not be remedied within 30 days after any Responsible Officer obtains
      actual knowledge thereof or after receipt by the Company of written notice
      from
      a holder of a Note of such failure; or

     

    (vii)  the
      Company or any
      Subsidiary makes an assignment for the benefit of creditors or is generally
      not
      paying its debts as such debts become due; or

     

    (viii)  any
      decree or order
      for relief in respect of the Company or any Subsidiary is entered under any
      bankruptcy, reorganization, compromise, arrangement, insolvency, readjustment
      of
      debt, dissolution or liquidation or similar law, whether now or hereafter in
      effect (herein called the “Bankruptcy
      Law”),
      of any
      jurisdiction; or

     

    (ix)  the
      Company or any
      Subsidiary petitions or applies to any tribunal for, or consents to, the
      appointment of, or taking possession by, a trustee, receiver, custodian,
      liquidator or similar official of the Company or any Subsidiary, or of any
      substantial part of the assets of the Company or any Subsidiary, or commences
      a
      voluntary case under the Bankruptcy Law of the United States or any proceedings
      (other than proceedings for the voluntary liquidation and dissolution of a
      Subsidiary) relating to the Company or any Subsidiary under the Bankruptcy
      Law
      of any other jurisdiction; or

     

    (x)  any
      such petition
      or application is filed, or any such proceedings are commenced, against the
      Company or any Subsidiary and the Company or such Subsidiary by any act
      indicates its approval thereof, consent thereto or acquiescence therein; or
      an
      order, judgment or decree is entered appointing any such trustee, receiver,
      custodian, liquidator or similar official, or approving the petition in any
      such
      proceedings, and such order, judgment or decree remains unstayed and in effect
      for more than 60 days; or

     

    (xi)  any
      order, judgment
      or decree is entered in any proceedings against the Company decreeing the
      dissolution of the Company and such order, judgment or decree remains unstayed
      and in effect for more than 60 days; or

     

    (xii)  any
      order, judgment
      or decree is entered in any proceedings against the Company or any Subsidiary
      decreeing a split-up of the Company or such Subsidiary which requires the
      divestiture of assets representing a substantial part (being an amount equal
      to
      15% of Consolidated Assets), or the divestiture of the stock of a Subsidiary
      whose assets represent a substantial part, of the consolidated assets of the
      Company and its Subsidiaries (determined in accordance with generally accepted
      accounting principles) or which requires the divestiture of assets, or stock
      of
      a Subsidiary, which shall have contributed at least 15% of Consolidated
      Operating Income for any of the three fiscal years then most recently ended,
      and
      such order, judgment or decree remains unstayed and in effect for more than
      60
      days; or

     

    (xiii)  a
      final judgment or
      judgments in an amount in excess of $5,000,000, individually or in the
      aggregate, shall be rendered against the Company or any Subsidiary (for which
      no
      insurer has acknowledged, in writing, responsibility for liability, subject
      to
      customary deductible) and, within 60 days after entry thereof, such judgment
      is
      not discharged or execution thereof stayed pending appeal, or within 60 days
      after the expiration of any such stay, such judgment is not discharged; or
      

     

    (xiv)  the
      Company or any
      ERISA Affiliate, in its capacity as an employer under a Multiemployer Plan,
      makes a complete or partial withdrawal from such Multiemployer Plan resulting
      in
      the incurrence by such withdrawing employer of a withdrawal liability in an
      amount exceeding $5,000,000; 

     

    then:

     

    (a) if
      such event is an
      Event of Default specified in clause (i) or (ii) of this paragraph 7A, the
      holder of any Note (other than the Company or any Subsidiary or Affiliate)
      may
      at its option, by written notice to the Company, terminate the Facility and/or
      declare such Note to be, and such Note shall thereupon be and become,
      immediately due and payable at par together with interest accrued and unpaid
      thereon, without presentment, demand, protest or other notice of any kind
      (including, without limitation, notice of intent to accelerate), all of which
      are hereby waived by the Company,

     

    (b) if
      such event is an
      Event of Default specified in any of clauses (vii), (viii), (ix) or (x) of
      this
      paragraph 7A with respect to the Company, the Facility shall automatically
      terminate and all of the Notes at the time outstanding shall automatically
      become immediately due and payable at par together with interest accrued and
      unpaid thereon, without presentment, demand, protest or notice of any kind
      (including, without limitation, notice of intent to accelerate and notice of
      acceleration of maturity), all of which are hereby waived by the Company,
      and

     

    (c) if
      such event is
      any Event of Default other than specified in clauses (vii) (viii), (ix) or
      (x)
      of this paragraph 7A with respect to the Company, the Required Holder(s) may,
      at
      its or their option, by written notice to the Company, terminate the Facility
      and declare all of the Notes to be, and all of the Notes shall thereupon be
      and
      become, immediately due and payable, together with interest accrued and unpaid
      thereon and, to the extent permitted by applicable law, the Yield-Maintenance
      Amount, if any, with respect to each Note, without presentment, demand, protest
      or other notice of any kind (including, without limitation, notice of intent
      to
      accelerate), all of which are hereby waived by the Company, provided that,
      to
      the extent permitted by applicable law, the Yield-Maintenance Amount, if any,
      with respect to each Note shall be due and payable upon such declaration only
      if:

     

    (x) such
      Event of
      Default does not arise under clause (vii), (viii), (ix) or (x) of this paragraph
      7A with respect to the Company,

     

    (y) the
      Required
      Holder(s) shall have given to the Company, at least 10 Business Days before
      such
      declaration, written notice stating its or their intention so to declare the
      Notes to be immediately due and payable and identifying one or more such Events
      of Default whose occurrences on or before the date of such notice permits such
      declaration, and

     

    (z) one
      or more of the
      Events of Default so identified shall be continuing at the time of such
      declaration.

     

    7B.  Rescission
      of Acceleration.
      At any time after
      any or all of the Notes shall have been declared immediately due and payable
      pursuant to paragraph 7A, the Required Holder(s) may, by notice in writing
      to
      the Company, rescind and annul such declaration and its consequences
      if:

     

    (i)  the
      Company shall
      have paid all accrued and unpaid overdue interest on the Notes, the principal
      of
      and Yield-Maintenance Amount, if any, payable with respect to any Notes which
      have become due otherwise than by reason of such declaration, and accrued and
      unpaid interest on such overdue interest and overdue principal and
      Yield-Maintenance Amount at the rate specified in the Notes,

     

    (ii)  the
      Company shall
      not have paid any amounts which have become due solely by reason of such
      declaration,

     

    (iii)  all
      Events of
      Default and Defaults, other than non-payment of amounts which have become due
      solely by reason of such declaration, shall have been cured or waived pursuant
      to paragraph 11C, and

     

    (iv)  no
      judgment or
      decree shall have been entered for the payment of any amounts due pursuant
      to
      the Notes or this Agreement.

     

    No
      such rescission
      or annulment shall extend to or affect any subsequent Event of Default or
      Default or impair any right arising therefrom.

     

    7C.  Notice
      of Acceleration or Rescission.
      Whenever any Note
      shall be declared immediately due and payable pursuant to paragraph 7A or any
      such declaration shall be rescinded and annulled pursuant to paragraph 7B,
      the
      Company shall forthwith give written notice thereof to the holder of each Note
      of each Series at the time outstanding.

     

    7D.  Other
      Remedies.
      If any Event of
      Default or Default shall occur and be continuing, the holder of any Note may
      proceed to protect and enforce its rights under this Agreement and such Note
      by
      exercising such remedies as are available to such holder in respect thereof
      under applicable law, either by suit in equity or by action at law, or both,
      whether for specific performance of any covenant or other agreement contained
      in
      this Agreement or in aid of the exercise of any power granted in this Agreement.
      No remedy conferred in this Agreement upon the holder of any Note is intended
      to
      be exclusive of any other remedy, and each and every such remedy shall be
      cumulative and shall be in addition to every other remedy conferred herein
      or
      now or hereafter existing at law or in equity or by statute or
      otherwise.

     

    8.  REPRESENTATIONS
      AND WARRANTIES.
      To induce each
      Purchaser to enter into this Agreement, and thereby amend and restate the
      Original Agreement, the Company warrants and represents as follows:

     

    8A.  Organization.
      The Company is a
      corporation duly organized and existing in good standing under the laws of
      the
      State of Delaware, and each Subsidiary is duly organized and existing in good
      standing under the laws of the jurisdiction in which it is organized. Schedule
      8A hereto is an accurate and complete list of all Subsidiaries as of the Date
      of
      Closing, including the jurisdiction of organization and ownership of all such
      Subsidiaries, and as of September 30, 2006, the percentage of such Subsidiary’s
      contribution to Consolidated Operating Income. The Company and each Subsidiary
      has the organizational power to own its respective properties and to carry
      on
      its respective businesses as now being conducted and is duly qualified and
      authorized to do business in each other jurisdiction in which the character
      of
      its respective properties or the nature of its respective businesses require
      such qualification or authorization except where the failure to be so qualified
      or authorized could not reasonably be expected to have a material adverse effect
      on the business, operations or financial condition of the Company and its
      Subsidiaries, taken as a whole.

     

    8B.  Financial
      Statements.
      The Company has
      furnished you with the following financial statements, identified by a principal
      financial officer of the Company:

     

    (i)  a
      Consolidated
      balance sheet as at the last day of the fiscal year in each of the years 2001
      to
      2005, inclusive, a Consolidated statement of income for each such year, and
      Consolidated statements of stockholder’s equity and cash flows for 2001 to and
      including 2005, all reported on by PriceWaterhouseCoopers; and

     

    (ii)  a
      Consolidated
      balance sheet as at September 30, 2006 and Consolidated statements of income,
      stockholders’ equity and cash flows for the nine-month period ended on each such
      date, prepared by the Company.

     

    Those
      financial
      statements (including any related schedules and/or notes) fairly present in
      all
      material respects (subject, as to interim statements, to the absence of
      footnotes or to changes resulting from normal year-end adjustments) the
      financial condition of the Company and have been prepared in accordance with
      generally accepted accounting principles consistently applied throughout the
      periods involved and show all liabilities, direct and contingent, of the Company
      and its Subsidiaries required to be shown in accordance with such principles.
      The balance sheets fairly present, in all material respects, the Consolidated
      financial condition of the Company and its Subsidiaries as at the dates thereof,
      and the statements of income, stockholders’ equity and cash flows fairly
      present, in all material respects, the Consolidated results of the operations
      of
      the Company and its Subsidiaries, the changes in the Company’s stockholders’
equity and their Consolidated cash flows for the periods indicated. Except
      as
      set forth on Schedule 8B, there has been no material adverse change in the
      business, condition (financial or otherwise) or operations of the Company and
      its Subsidiaries taken as a whole since December 31, 2005.

     

    8C.  Actions
      Pending.
      There is no
      action, suit, investigation or proceeding pending or, to the knowledge of the
      Company, threatened against the Company or any Subsidiary, or any properties
      or
      rights of the Company or any Subsidiary, by or before any court, arbitrator
      or
      administrative or governmental body which could reasonably be expected to result
      in any material adverse change in the business, condition (financial or
      otherwise) or operations of the Company and its Subsidiaries taken as a
      whole.

     

    8D.  Outstanding
      Debt.
      Neither the
      Company nor any Subsidiary has any Debt outstanding except as permitted by
      paragraphs 6A and 6C(2). There is no default under the provisions of any
      instrument evidencing any Debt or of any agreement relating thereto. Schedule
      8D
      hereto is an accurate and complete list of Debt of the Company and its
      Subsidiaries on the Date of Closing.

     

    8E.  Title
      to Properties.
      The Company and
      each Subsidiary have good and indefeasible title to their respective real
      properties (other than leased properties or which individually or in the
      aggregate are not material to the Company) and good title to all of their other
      respective properties and assets, including the properties and assets reflected
      in the balance sheet as at September 30, 2006 referred to in paragraph 8B (other
      than properties and assets disposed of in the ordinary course of business or
      which individually or in the aggregate are not material to the Company), subject
      to no Lien of any kind except Liens permitted by paragraph 6C(1). All leases
      necessary in any material respect for the conduct of the respective business
      of
      the Company and its Subsidiaries are valid and subsisting and are in full force
      and effect.

     

    8F.  Taxes.
      The Company has
      and each Subsidiary has filed all federal, state and other income tax returns
      which, to the best knowledge of the Responsible Officers of the Company, are
      required to be filed (giving effect to any extensions granted), and each has
      paid all taxes as shown on such returns and on all assessments received by
      it to
      the extent that such taxes have become due (including any extensions granted),
      except such taxes as are being contested in good faith by appropriate
      proceedings for which adequate reserves have been established in accordance
      with
      generally accepted accounting principles.

     

    8G.  Conflicting
      Agreements and Other Matters.
      Neither the
      Company nor any Subsidiary is a party to any contract or agreement or subject
      to
      any charter or other corporate restriction which materially and adversely
      affects its business, property or assets, or financial condition of the Company
      and its Subsidiaries taken as a whole. Neither the execution nor delivery of
      this Agreement or the Notes, nor the offering, issuance and sale of the Notes,
      nor fulfillment of nor compliance with the terms and provisions hereof and
      of
      the Notes will conflict with, or result in a breach of the terms, conditions
      or
      provisions of, or constitute a default under, or result in any violation of,
      or
      result in the creation of any Lien upon any of the properties or assets of
      the
      Company or any Subsidiary pursuant to, the charter or by-laws of the Company
      or
      any Subsidiary, any award of any arbitrator or any agreement (including any
      agreement with stockholders), instrument, order, judgment, decree, statute,
      law,
      rule or regulation to which the Company or any Subsidiary is subject. Neither
      the Company nor any Subsidiary is a party to, or otherwise subject to any
      provision contained in, any instrument evidencing Debt of the Company or such
      Subsidiary, any agreement relating thereto or any other contract or agreement
      (including its charter) which limits the amount of, or otherwise imposes
      restrictions on the incurring of, Debt of the Company of the type to be
      evidenced by the Notes except as set forth in the agreements listed in Schedule
      8G attached hereto.

     

    8H.  Offering
      of Notes.
      Neither the
      Company nor any agent acting on its behalf has, directly or indirectly, offered
      the Notes or any similar security of the Company for sale to, or solicited
      any
      offers to buy the Notes or any similar security of the Company from, or
      otherwise approached or negotiated with respect thereto with, any Person other
      than accredited investors, and neither the Company nor any agent acting on
      its
      behalf has taken any action which would reasonably be expected to subject the
      issuance or sale of the Notes to the provisions of section 5 of the Securities
      Act or to the provisions of any securities or Blue Sky law of any applicable
      jurisdiction. The Company hereby represents and warrants to you that, within
      the
      preceding twelve months, neither the Company nor any other Person acting on
      behalf of the Company has offered or sold to any Person (other than accredited
      investors) any Notes, or any securities of the same or a similar class as the
      Notes, or any other substantially similar securities of the
      Company.

     

    8I.  Use
      of
      Proceeds.
      Neither the
      Company nor any Subsidiary owns (other than margin stock of insignificant
      amounts received by the Company as payment for accounts receivable or otherwise
      held by the Company) or has any present intention of acquiring any “margin
      stock” as defined in Regulation U (12 CFR Part 221) of the Board of Governors of
      the Federal Reserve System (herein called “margin stock”), other than shares of
      the Company’s common stock repurchased by the Company which are immediately
      thereafter cancelled and are not held as treasury stock. The proceeds of sale
      of
      the Notes will be used for the repurchase of the Company’s common stock and for
      general corporate purposes. None of such proceeds will be used, directly or
      indirectly, for the purpose, whether immediate, incidental or ultimate, of
      purchasing or carrying any margin stock or for the purpose of maintaining,
      reducing or retiring any Debt which was originally incurred to purchase or
      carry
      any stock that is currently a margin stock or for any other purpose which might
      constitute this transaction a “purpose credit” within the meaning of such
      Regulation U, other than for the repurchase by the Company of its common stock,
      which stock is immediately thereafter cancelled and is not held as treasury
      stock. Neither the Company nor any agent acting on its behalf has taken any
      action which might cause this Agreement or the Notes to violate Regulation
      U,
      Regulation T or any other regulation of the Board of Governors of the Federal
      Reserve System or to violate the Exchange Act.

     

    8J.  ERISA.
      No accumulated
      funding deficiency (as defined in section 302 of ERISA and section 412 of the
      Code), whether or not waived, exists with respect to any Plan (other than a
      Multiemployer Plan). No liability to the Pension Benefit Guaranty Corporation
      has been or is expected by the Company or any ERISA Affiliate to be incurred
      with respect to any Plan (other than a Multiemployer Plan) by the Company,
      any
      Subsidiary or any ERISA Affiliate which is or would be materially adverse to
      the
      business, condition (financial or otherwise) or operations of the Company and
      its Subsidiaries taken as a whole. Neither the Company, any Subsidiary or any
      ERISA Affiliate has incurred or presently expects to incur any withdrawal
      liability under Title IV of ERISA with respect to any Multiemployer Plan which
      is or would be materially adverse to the business, condition (financial or
      otherwise) or operations of the Company and its Subsidiaries taken as a whole.
      The execution and delivery of this Agreement and the issuance and sale of the
      Notes will be exempt from, or will not involve any transaction which is subject
      to, the prohibitions of section 406 of ERISA and will not involve any
      transaction in connection with which a penalty could be imposed under section
      502(i) of ERISA or a tax could be imposed pursuant to section 4975 of the Code.
      The representation by the Company in the next preceding sentence is made in
      reliance upon and subject to the accuracy of your representation in paragraph
      9B.

     

    8K.  Governmental
      Consent.
      Assuming the
      representations made by you in paragraph 9 are accurate, neither the nature
      of
      the Company or of any Subsidiary, nor any of their respective businesses or
      properties, nor any relationship between the Company or any Subsidiary and
      any
      other Person, nor any circumstance in connection with the offering, issuance,
      sale or delivery of the Notes is such as to require any authorization, consent,
      approval, exemption or other action by or notice to or filing with any court
      or
      administrative or governmental body (other than those which are made or obtained
      prior to Closing and routine filings after the date of any Closing with the
      Securities and Exchange Commission and/or state Blue Sky authorities) in
      connection with the execution and delivery of this Agreement, the offering,
      issuance, sale or delivery of the Notes or fulfillment of or compliance with
      the
      terms and provisions hereof or of the Notes.

     

    

    

    8L.  Environmental
      Compliance.

     

    (i)  The
      Company and its
      Subsidiaries and all of their respective Properties have complied at all times
      and in all respects with all Environmental Requirements where failure to comply
      could reasonably be expected to have a material adverse effect on the business,
      condition (financial or otherwise) or operations of the Company and its
      Subsidiaries taken as a whole.

     

    (ii)  Neither
      the Company
      nor any Subsidiary is subject to any Environmental Liability or Environmental
      Requirement which could reasonably be expected to have a material adverse effect
      on the business, condition (financial or otherwise) or operations of the Company
      and its Subsidiaries, taken as a whole.

     

    (iii)  Neither
      the Company
      nor any Subsidiary has been designated as a potentially responsible party under
      CERCLA or under any state statute similar to CERCLA. Except as specified on
      Schedule 8L, none of the Properties has been identified on any current or
      proposed National Priorities List under 40 C.F.R. § 300 or any list arising from
      a state statute similar to CERCLA. None of the Properties has been identified
      on
      any CERCLIS list.

     

    (iv)  No
      Hazardous
      Materials have been or are being used, produced, manufactured, processed,
      generated, stored, disposed of, released, managed at or shipped or transported
      to or from the Properties or are otherwise present at, on, in or under the
      Properties or, to the actual knowledge of the Company, at or from any adjacent
      site or facility, except for Hazardous Materials used, produced, manufactured
      processed, generated, stored, disposed of, released and managed in the ordinary
      course of business in compliance with all applicable Environmental Requirements
      and except for Hazardous Materials present in amounts which have not required
      and do not require remediation, pursuant to applicable law or regulation, or
      if
      remediation is required, such remediation could not reasonably be expected
      to
      have a material adverse effect on the business, condition (financial or
      otherwise) or operations of the Company and its Subsidiaries, taken as a
      whole.

     

    (v)  The
      Company and
      each Subsidiary have procured all permits necessary under Environmental
      Requirements for the conduct of their respective businesses or is otherwise
      in
      compliance with all applicable Environmental Requirements, except to the extent
      the failure to do so could not reasonably be expected to have a material adverse
      effect on the business, condition (financial or otherwise) or operations of
      the
      Company and its Subsidiaries, taken as a whole.

     

    8M.  Disclosure.
      Neither this
      Agreement nor any other document, certificate or statement furnished to you
      by
      or on behalf of the Company in connection herewith contains any untrue statement
      of a material fact or omits to state a material fact necessary in order to
      make
      the statements contained herein and therein not misleading. There is no fact
      peculiar to the Company or any Subsidiary which materially adversely affects
      or
      in the future may (so far as the Company can now reasonably foresee) materially
      adversely affect the business, property or assets, or financial condition of
      the
      Company and its Subsidiaries taken as a whole and which has not been set forth
      in this Agreement or in the other documents, certificates and statements
      furnished to you by or on behalf of the Company prior to the date hereof in
      connection with the transactions contemplated hereby.

     

    8N.  Hostile
      Tender Offers.
      None of the
      proceeds of the sale of any Notes will be used to finance a Hostile Tender
      Offer.

     

    8O.  Absence
      Of
      Foreign Or Enemy Status. Neither
      the Company
      nor any of its Subsidiaries is or will become a Person described by
      section 1 of Executive Order 13224 of September 24, 2001 Blocking
      Property
      and Prohibiting Transactions with Persons who Commit, Threaten to Commit, or
      Support Terrorism,
      31 CFR Part 595
et seq.
      (the
“Anti-Terrorism
      Order”),
      and neither the
      Company nor any Subsidiary has knowingly engaged in any dealings or
      transactions, or otherwise knowingly been associated, with any such Person.
      Neither the sale of the Notes nor the use of proceeds thereof will result in
      a
      violation of the Trading with the Enemy Act, as amended, or any of the Foreign
      Assets Control Regulations of the United States Treasury Department (31 CFR,
      Subtitle B, Chapter V, as amended), or any ruling issued thereunder or any
      enabling legislation or presidential executive order in connection therewith.
      Whether
      or not, in
      each case, the Company and its Subsidiaries are subject to the jurisdiction
      thereof, the Company and its Subsidiaries are in material compliance with the
      provisions of the Anti-Terrorism Order, and do not and will not engage in any
      dealings or transactions or otherwise be associated with Persons who are on
      the
      list of Specially Designated Nationals and Blocked Persons, as published from
      time to time, or in Section 1 of Executive Order 13224.

     

    

    9.  REPRESENTATIONS
      OF THE PURCHASERS.
      You represent as
      follows:

     

    9A.  Nature
      of Purchase.
      You are acquiring
      the Notes to be purchased by you hereunder for your own account and not with
      a
      view to or for sale in connection with any distribution thereof within the
      meaning of the Securities Act, provided that the disposition of your property
      shall at all times be and remain within your control.

     

    9B.  Source
      of Funds.
      At least one of
      the following statements is an accurate representation as to each source of
      funds (a “Source”)
      to be used by you
      to pay the purchase price of the Notes to be purchased by you
      hereunder:

     

    (i) the
      Source is an
“insurance company general account” (as the term is defined in the United States
      Department of Labor’s Prohibited Transaction Exemption (“PTE”)
      95-60) in respect
      of which the reserves and liabilities (as defined by the annual statement for
      life insurance companies approved by the National Association of Insurance
      Commissioners (the “NAIC
      Annual Statement”))
      for the general
      account contract(s) held by or on behalf of any employee benefit plan together
      with the amount of the reserves and liabilities for the general account
      contract(s) held by or on behalf of any other employee benefit plans maintained
      by the same employer (or affiliate thereof as defined in PTE 95-60) or by the
      same employee organization in the general account do not exceed 10% of the
      total
      reserves and liabilities of the general account (exclusive of separate account
      liabilities) plus surplus as set forth in the NAIC Annual Statement filed with
      your state of domicile; or

    

    (ii) the
      Source is a
      separate account that is maintained solely in connection with your fixed
      contractual obligations under which the amounts payable, or credited, to any
      employee benefit plan (or its related trust) that has any interest in such
      separate account (or to any participant or beneficiary of such plan (including
      any annuitant)) are not affected in any manner by the investment performance
      of
      the separate account; or

    

    (iii) the
      Source is
      either (a) an insurance company pooled separate account, within the meaning
      of
      PTE 90-1 or (b) a bank collective investment fund, within the meaning of the
      PTE
      91-38 and, except as disclosed by you to the Company in writing pursuant to
      this
      clause (iii), no employee benefit plan or group of plans maintained by the
      same
      employer or employee organization beneficially owns more than 10% of all assets
      allocated to such pooled separate account or collective investment fund;
      or

    

    (iv) the
      Source
      constitutes assets of an “investment fund” (within the meaning of Part V of PTE
      84-14 (the “QPAM
      Exemption”))
      managed by a
“qualified professional asset manager” or “QPAM” (within the meaning of Part V
      of the QPAM Exemption), no employee benefit plan’s assets that are included in
      such investment fund, when combined with the assets of all other employee
      benefit plans established or maintained by the same employer or by an affiliate
      (within the meaning of Section V(c)(1) of the QPAM Exemption) of such employer
      or by the same employee organization and managed by such QPAM, exceed 20% of
      the
      total client assets managed by such QPAM, the conditions of Part I(c) and (g)
      of
      the QPAM Exemption are satisfied, neither the QPAM nor a person controlling
      or
      controlled by the QPAM (applying the definition of “control” in Section V(e) of
      the QPAM Exemption) owns a 5% or more interest in the Company and (a) the
      identity of such QPAM and (b) the names of all employee benefit plans whose
      assets are included in such investment fund have been disclosed to the Company
      in writing pursuant to this clause (iv); or

    

    (v) the
      Source
      constitutes assets of a “plan(s)” (within the meaning of Section IV of PTE 96-23
      (the “INHAM
      Exemption”))
      managed by an
“in-house asset manager” or “INHAM” (within the meaning of Part IV of the INHAM
      exemption), the conditions of Part I(a), (g) and (h) of the INHAM Exemption
      are
      satisfied, neither the INHAM nor a person controlling or controlled by the
      INHAM
      (applying the definition of “control” in Section IV(h) of the INHAM Exemption)
      owns a 5% or more interest in the Company and (a) the identity of such INHAM
      and
      (b) the name(s) of the employee benefit plan(s) whose assets constitute the
      Source have been disclosed to the Company in writing pursuant to this clause
      (v); or

    

    (vi) the
      Source is a
      governmental plan; or

    

    (vii) the
      Source is one
      or more employee benefit plans, or a separate account or trust fund comprised
      of
      one or more employee benefit plans, each of which has been identified to the
      Company in writing pursuant to this clause (vii); or

    

    (viii) the
      Source does not
      include assets of any employee benefit plan, other than a plan exempt from
      the
      coverage of ERISA.

    

    As
      used in this
      paragraph 9B, the terms “employee benefit plan,” “governmental
      plan,” and “separate account” shall have the respective meanings assigned to
      such terms in Section 3 of ERISA.

     

    10.  DEFINITIONS.
      For the purpose
      of this Agreement, the terms defined in the introductory sentence and in
      paragraphs 1 and 2 shall have the respective meanings specified therein, and
      the
      following terms shall have the meanings specified with respect thereto
      below:

     

    10A.  Yield-Maintenance
      Terms.

     

    “Called
      Principal”
shall
      mean, with
      respect to any Note, the principal of such Note that is to be prepaid pursuant
      to paragraph 4C or is declared to be immediately due and payable pursuant to
      paragraph 7A, as the context requires.

     

    “Designated
      Spread”
shall
      mean 0% in
      the case of each Series AA Note and of any other Series unless the Confirmation
      of Acceptance with respect to the Notes of such other Series specifies a
      different Designated Spread in which case it shall mean, with respect to each
      Note of such other Series, the Designated Spread so specified.

     

    “Discounted
      Value”
shall
      mean, with
      respect to the Called Principal of any Note, the amount obtained by discounting
      all Remaining Scheduled Payments with respect to such Called Principal from
      their respective scheduled due dates to the Settlement Date with respect to
      such
      Called Principal, in accordance with accepted financial practice and at a
      discount factor (applied on the same periodic basis as that on which interest
      on
      the Note is payable) equal to the Reinvestment Yield with respect to such Called
      Principal.

     

    “Reinvestment
      Yield”
shall
      mean, with
      respect to the Called Principal of any Note, the Designated Spread over the
      yield to maturity implied by (i) the yields reported, as of 10:00 A.M. (New
      York
      City time) on the Y-M Business Day next preceding the Settlement Date with
      respect to such Called Principal as of such Settlement Date, as reported by
      TradeWeb LLC (or, if such data for any reason ceases to be available through
      TradeWeb LLC, or TradeWeb LLC shall cease to be Prudential Capital Group’s
      customary source of information for calculating yield-maintenance amounts on
      privately placed notes, then such source as is then Prudential Capital Group’s
      customary source of such information), or if such yields shall not be reported
      as of such time or the yields reported as of such time shall not be
      ascertainable, the Treasury Constant Maturity Series yields reported, for the
      latest day for which such yields shall have been so reported as of the Y-M
      Business Day next preceding the Settlement Date with respect to such Called
      Principal, in Federal Reserve Statistical Release H. 15 (519) (or any comparable
      successor publication) for actively traded U.S. Treasury securities having
      a
      constant maturity equal to the Remaining Average Life of such Called Principal
      as of such Settlement Date. Such implied yield shall be determined, if
      necessary, by (a) converting U.S. Treasury bill quotations to bond-equivalent
      yields in accordance with accepted financial practice and (b) interpolating
      linearly between yields reported for various maturities.

     

    “Remaining-Average
      Life”
shall
      mean, with
      respect to the Called Principal of any Note, the number of years (calculated
      to
      the nearest one-twelfth year) obtained by dividing (i) such Called Principal
      into (ii) the sum of the products obtained by multiplying (a) each Remaining
      Scheduled Payment of such Called Principal (but not of interest thereon) by
      (b)
      the number of years (calculated to the nearest one-twelfth year) which will
      elapse between the Settlement Date with respect to such Called Principal and
      the
      scheduled due date of such Remaining Scheduled Payment.

     

    “Remaining
      Scheduled Payments”
shall
      mean, with
      respect to the Called Principal of any Note, all payments of such Called
      Principal and interest thereon that would be due on or after the Settlement
      Date
      with respect to such Called Principal if no payment of such Called Principal
      were made prior to its scheduled due date.

     

    “Settlement
      Date”
shall
      mean, with
      respect to the Called Principal of any Note, the date on which such Called
      Principal is to be prepaid pursuant to paragraph 4B or is declared to be
      immediately due and payable pursuant to paragraph 7A, as the context
      requires.

     

    “Yield-Maintenance
      Amount”
shall
      mean, with
      respect to any Note, an amount equal to the excess, if any, of the Discounted
      Value of the Called Principal of such Note. over the sum of (i) such Called
      Principal plus (ii) interest accrued thereon as of (including interest due
      on)
      the Settlement Date with respect to such Called Principal. The Yield-Maintenance
      Amount shall in no event be less than zero.

     

    “Y-M
      Business Day”
shall
      mean any
      day other than a Saturday, Sunday or a day on which commercial banks in New
      York
      City are required or authorized to be closed.

     

    10B.  Other
      Terms.

     

    “Acceptance”
is
      defined in
      paragraph 2B(5) of this Agreement.

     

    “Acceptance
      Day”
is
      defined in
      paragraph 2B(5) of this Agreement.

     

    “Acceptance
      Window”
is
      defined in
      paragraph 2B(5) of this Agreement.

     

    “Accepted
      Note”
is
      defined in
      paragraph 2B(5) of this Agreement.

     

    “Affiliate”
shall
      mean with
      respect to any Person, any other Person (a) directly or indirectly controlling
      or controlled by or under direct or indirect common control with such Person,
      (b) which other Person beneficially owns or holds 5% or more of the shares
      of
      any class of Voting Stock of such Person or (c) 5% or more of any class of
      the
      Voting Stock of which is beneficially owned or held by such designated entity.
      For purposes of this definition, “control” (including, with correlative
      meanings, the terms “controlled by” and “under common control with”), as used
      with respect to any entity, shall mean the possession, directly or indirectly,
      of the power to direct or cause the direction of the management and policies
      of
      such entity, whether through the ownership of Voting Stock or by contract or
      otherwise. Affiliate shall not include Subsidiaries.

     

    “Agreement
      Effective Date”
      means January 26,
      2007.

     

    “Authorized
      Officer”
shall
      mean (i) in
      the case of the Company, its chief executive officer, its chief financial
      officer, any vice president of the Company designated as an “Authorized Officer”
of the Company in the Information Schedule attached hereto or any vice president
      of the Company designated as an “Authorized Officer” of the Company for the
      purpose of this Agreement in an Officer’s Certificate executed by the Company’s
      chief executive officer or chief financial officer and delivered to Prudential,
      and (ii) in the case of Prudential, any officer of Prudential designated as
      its
“Authorized Officer” in the Information Schedule or any officer of Prudential
      designated as its “Authorized Officer” for the purpose of this Agreement in a
      certificate executed by one of its Authorized Officers. Any action taken under
      this Agreement on behalf of the Company by any individual who on or after the
      date of this Agreement shall have been an Authorized Officer of the Company
      and
      whom Prudential in good faith believes to be an Authorized Officer of the
      Company at the time of such action shall be binding on the Company even though
      such individual shall have ceased to be an Authorized Officer of the Company,
      and any action taken under this Agreement on behalf of Prudential by any
      individual who on or after the date of this Agreement shall have been an
      Authorized Officer of Prudential and whom the Company in good faith believes
      to
      be an Authorized Officer of Prudential at the time of such action shall be
      binding on Prudential even though such individual shall have ceased to be an
      Authorized Officer of Prudential.

     

    “Available
      Facility Amount”
shall
      have the
      meaning specified in paragraph 2(B)(1) of this Agreement.

     

    “Bankruptcy
      Law”
is
      defined in
      clause (viii) of paragraph 7A of this Agreement.

     

    “Board”
shall
      mean, for
      any Person, its Board of Directors or equivalent governing body.

     

    “Business
      Day”
shall
      mean any
      day other than (i) a Saturday, a Sunday or (ii) a day on which commercial banks
      in New York City or Charlotte, North Carolina are required or authorized to be
      closed.

     

    “Cancellation
      Date”
is
      defined in
      paragraph 2B(8)(iv) of this Agreement.

     

    “Cancellation
      Fee”
is
      defined in
      paragraph 2B(8)(iv) of this Agreement.

     

    “Capitalized
      Lease Obligation”
shall
      mean any
      rental obligation which, under generally accepted accounting principles, would
      be required to be capitalized on the books of the Company or any Subsidiary,
      taken at the amount thereof accounted for as indebtedness (net of interest
      expense) in accordance with such principles.

     

    “CERCLA”
shall
      mean the
      Comprehensive Environmental Response, Compensation and Liability
      Act.

     

    “CERCLIS”
shall
      mean the
      Comprehensive Environmental Response, Compensation and Liability Inventory
      System established pursuant to CERCLA.

     

    “Closing
      Day”
is
      defined in
      paragraph 2B(3)(iv). 

    

    “Code”
shall
      mean the
      Internal Revenue Code of 1986. as amended.

     

    “Company”
shall
      have the
      meaning assigned to such term in the initial paragraph hereof.

     

    “Confirmation
      of Acceptance”
is
      defined in
      paragraph 2B(5) of this Agreement.

     

    “Consolidated”
shall
      mean the
      consolidated financial information of the Company and its Subsidiaries under
      generally accepted accounting principles.

     

    “Consolidated
      Assets”
shall
      mean, as at
      any date of determination, the total assets of the Company and its Subsidiaries
      appearing on a Consolidated balance sheet prepared under generally accepted
      accounting principles as of the date of determination, after deducting any
      reserves applicable thereto and after eliminating all intercompany transactions
      and all amounts properly attributable to minority interests, if any, in the
      stock and surplus of Subsidiaries.

     

    “Consolidated
      Capitalization”
shall
      mean, at
      any time, the sum of (i) Consolidated Debt at such time plus (ii) Consolidated
      Net Worth at such time.

     

    “Consolidated
      EBITDA”
      shall mean, for
      the Company and its Subsidiaries on a Consolidated basis for the four fiscal
      quarters most recently ended, Consolidated Net Earnings, or Consolidated Net
      Loss, as the case may be, for such period, plus
      to
      the extent
      deducted in calculating such Consolidated Net Earnings or Consolidated Net
      Loss,
      taxes, depreciation, amortization and Consolidated Interest
      Charges.

     

    “Consolidated
      Fixed Charges”
shall
      mean, for
      the Company and its Subsidiaries on a Consolidated basis, the sum (without
      duplication) of:

     

    (i)  all
      Rentals
      (excluding all principal components of Rentals under Capitalized Lease
      Obligations) paid during the most recently completed four fiscal quarters (the
      “Prior
      Period”);
      and

     

    (ii)  all
      Consolidated
      Interest Charges for the Prior Period.

     

    “Consolidated
      Interest Charges”
shall
      mean, for
      the Company and its Subsidiaries on a Consolidated basis for the four fiscal
      quarters most recently ended, all interest expense (as determined in accordance
      with generally accepted accounting principles) on all Debt (including
      Capitalized Lease Obligations) net of interest income.

     

    “Consolidated
      Net Earnings”
shall
      mean, for
      any applicable period, for the Company and its Subsidiaries on a Consolidated
      basis, the excess of (a) gross revenues over (b) all expenses and charges of
      a
      proper character (including current and deferred taxes on income and current
      additions to reserves) each for the applicable period, but not including in
      gross revenues:

     

    (i) any
      gains (net of
      expenses and taxes applicable thereto) in excess of losses resulting from the
      sales, conversions or other dispositions of capital assets outside the ordinary
      course of business,

     

    (ii) any
      gains resulting
      from the write-up of assets,

     

    (iii) any
      earnings or
      deferred credit (or amortization of a deferred credit) of any Person acquired
      by
      the Company or any Subsidiary through purchase, merger or consolidation or
      otherwise for any year prior to the year of acquisition not included in gross
      revenues under generally accepted accounting principles, or

     

    (iv) any
      deferred credit
      representing the excess of equity in any Subsidiary of the Company at the date
      of acquisition over the cost of the investment in such Subsidiary,

     

    (v) proceeds
      of life
      insurance policies on any Responsible Officer exceeding $250,000 for such
      period,

     

    (vi) gains
      arising from
      the acquisition of debt securities for a cost less than the principal amount
      and
      accrued interest,

     

    (vii) extraordinary
      items
      or transactions of a non-recurring or non-operating and material nature or
      arising from gains or sales relating to the discontinuance of operations,
      or

     

    (viii) any
      portion of the
      net earnings (included in the determination of such Consolidated Net Earnings
      or
      such Consolidated Net Loss) of any Subsidiary which for any reason shall be
      unavailable for payment of dividends to the Company,

     

    all
      as determined
      in accordance with generally accepted accounting principles.

     

    If
      the above
      calculation results in an amount less than zero, then for such period there
      shall be a “Consolidated
      Net Loss”
as
      determined
      below.

     

    “Consolidated
      Net Loss”
shall
      mean, for
      any applicable period, for the Company and its Subsidiaries on a Consolidated
      basis, the excess of (a) expenses and charges of a proper character (including
      current and deferred taxes on income, provision for taxes an unremitted foreign
      earnings which are included in gross revenues, and current additions to
      resources) over (b) gross revenues for the same period, but not including in
      gross revenues those items listed in clauses (i) through (iv), inclusive, in
      the
      definition Consolidated Net Earnings above, all as determined in accordance
      with
      generally accepted accounting principles. If the above calculation results
      in an
      amount of zero or more, then for such period there shall be “Consolidated
      Net Earnings”
as
      determined
      above.

     

    “Consolidated
      Net Worth”
shall
      mean, at
      any time, for the Company and its Subsidiaries on a Consolidated basis
      shareholders’ equity at such time determined in accordance with generally
      accepted accounting principles.

     

    “Consolidated
      Operating Income”
shall
      mean, for
      the Company and its Subsidiaries on a Consolidated basis for the four fiscal
      quarters most recently ended, Consolidated Net Earnings, or Consolidated Net
      Loss, as the case may be, for such period, plus to the extent deducted in
      calculating such Consolidated Net Earnings or Consolidated Net Loss, taxes,
      Consolidated Interest Charges and Rentals.

     

    “Consolidated
      Priority Debt”
shall
      mean, on a
      Consolidated basis on any date of determination, the sum (without duplication)
      of:

     

    (i) the
      aggregate
      amount of Debt of all Subsidiaries, plus

     

    (ii) Debt
      of any Person
      which is secured by, or otherwise benefitting from, a Lien on any property,
      tangible or intangible, of the Company or any Subsidiary, whether or not the
      Company or such Subsidiary has assumed or become liable for the payment of
      such
      Debt, plus

     

    (iii) the
      present value
      of the rental obligations of the Company or a Subsidiary as lessee under a
      Capitalized Lease Obligation (discounted according to generally accepted
      accounting principles at the debt rate implicit in the lease).

     

    “Debt”
shall
      mean with
      respect to any Person, at any date of determination,

     

    (i) all
      indebtedness
      for borrowed money which such Person has directly or indirectly created,
      incurred or assumed (including, without limitation, all Capitalized Lease
      Obligations); and

     

    (ii) all
      indebtedness,
      whether or not for borrowed money, secured by any Lien on any property or asset
      owned or held by such Person subject thereto, whether or not the indebtedness
      secured thereby shall have been assumed by such Person; and

     

    (iii) any
      indebtedness,
      whether or not for borrowed money, with respect to which such Person has become
      directly or indirectly liable and which represents or has been incurred to
      finance the purchase price (or a portion thereof) of any property or services
      or
      business acquired by such Person, whether by purchase, consolidation, merger
      or
      otherwise other than any trade payable in the ordinary course of business that
      is a current liability under generally accepted accounting principles;
      and

     

    (iv) any
      indebtedness of
      the character referred to in clauses (i), (ii) or (iii) of this definition
      deemed to be extinguished under generally accepted accounting principles but
      for
      which such Person remains legally liable to the extent the market value of
      any
      assets such Person has placed in trust for the benefit of the holders of that
      indebtedness is less than the aggregate amount of that indebtedness;
      and

     

    (v) any
      indebtedness of
      any other Person of the character referred to in subdivision (i), (ii), (iii)
      or
      (iv) of this definition with respect to which the Person whose Debt is being
      determined has become liable by way of a Guarantee;

     

    all
      as determined
      in accordance with generally accepted accounting principles, provided, however,
      Debt shall not include endorsement of negotiable instruments for collection
      in
      the ordinary course of business.

     

    “Delay
      Delivery Fee”
is
      defined in
      paragraph 2B(8)(iii) of this Agreement.

     

    “Disposition”
is
      defined in
      paragraph 6D of this Agreement.

     

    “Environmental
      Authority”
shall
      mean any
      foreign, federal, state, local or regional government that exercises any form
      of
      jurisdiction or authority under any Environmental Requirement.

     

    “Environmental
      Judgments and Orders”
shall
      mean all
      judgments, decrees or orders arising from or in any way associated with any
      Environmental Requirements, whether or not entered upon consent or written
      agreements with an Environmental Authority or other entity arising from or
      in
      any way associated with any Environmental Requirement, whether or not
      incorporated in a judgment, degree or order.

     

    “Environmental
      Liabilities”
shall
      mean any
      liabilities, whether accrued or contingent, arising from or relating in any
      way
      to any Environmental Requirements.

     

    “Environmental
      Notices”
shall
      mean any
      written communication from any Environmental Authority stating possible or
      alleged noncompliance with or possible or alleged liability under any
      Environmental Requirement, including without limitation any complaints,
      citations, demands or requests from any Environmental Authority for correction
      of any purported violation of any Environmental Requirements or any
      investigation concerning any purported violation of any Environmental
      Requirements. Environmental Notices also shall mean (i) any written
      communication from any other Person threatening litigation or administrative
      proceedings against or involving the Company relating to alleged violation
      of
      any Environmental Requirements and (ii) any complaint, petition or similar
      documents filed by any other Person commencing litigation or administrative
      proceedings against or involving the Company relating to alleged violation
      of
      any Environmental Requirements.

     

    “Environmental
      Proceedings”
shall
      mean any
      judicial or administrative proceedings arising from or in any way associated
      with any Environmental Requirement.

     

    “Environmental
      Releases”
shall
      mean
      releases (as defined in CERCLA or under any applicable state or local
      environmental law or regulation) of Hazardous Materials. Environmental Releases
      does not include releases for which no remediation or reporting is required
      by
      applicable Environmental Requirements and which do not present a danger to
      health, safety or the environment.

     

    “Environmental
      Requirements”
shall
      mean any
      applicable local, state or federal law, rule, regulation, permit, order,
      decision, determination or requirement relating in any way to Hazardous
      Materials or to health, safety or the environment.

     

    “ERISA”
shall
      mean the
      Employee Retirement Income Security Act of 1974, as amended.

     

    “ERISA
      Affiliate”
shall
      mean any
      corporation which is a member of the same controlled group of corporations
      as
      the Company within the meaning of section 414(b) of the Code, or any trade
      or
      business which is under common control with the Company within the meaning
      of
      section 414(c) of the Code.

     

    “Event
      of Default”
shall
      mean any of
      the events specified in paragraph 7A, provided that there has been satisfied
      any
      requirement in connection with such event for the giving of notice, or the
      lapse
      of time, or the happening of any further condition, event or act, and
“Default”
shall
      mean any of
      such events, whether or not any such requirement has been
      satisfied.

     

    “Exchange
      Act”
shall
      mean the
      Securities Exchange Act of 1934, as amended.

     

    “Facility”
is
      defined in
      paragraph 2B(1) of this Agreement.

     

    “Fair
      Market Value”
shall
      mean at any
      time, the sale value of property that would be realized in an arm’s-length sale
      at such time between an informed and willing buyer, and an informed and willing
      seller, under no compulsion to buy or sell, respectively.

     

    “Guarantee”
shall
      mean, with
      respect to any Person, any direct or indirect liability, contingent or
      otherwise, of such Person with respect to any Debt, lease, dividend or other
      obligation of another, including, without limitation, any such obligation
      directly or indirectly guaranteed, endorsed (otherwise than for collection
      or
      deposit in the ordinary course of business) or discounted or sold with recourse
      by such Person, or in respect of which such Person is otherwise directly or
      indirectly liable, including, without limitation, any such obligation in effect
      guaranteed by such Person through any agreement (contingent or otherwise) to
      purchase, repurchase or otherwise acquire such obligation or any security
      therefor, or to provide funds for the payment or discharge of such obligation
      (whether in the form of loans, advances, stock purchases, capital contributions
      or otherwise), or to maintain the solvency or any balance sheet or other
      financial condition of the obligor of such obligation, or to make payment for
      any products, materials or supplies or for any transportation or services
      regardless of the non-delivery or non-furnishing thereof, in any such case
      if
      the purpose or intent of such agreement is to provide assurance that such
      obligation will be paid or discharged, or that any agreements relating thereto
      will be complied with, or that the holders of such obligation will be protected
      against loss in respect thereof. The amount of any Guarantee shall be equal
      to
      the outstanding principal amount of the obligation guaranteed or such lesser
      amount to which the maximum exposure of the guarantor shall have been
      specifically limited.

     

    “Hazardous
      Materials”
shall
      mean (a)
      hazardous waste as defined in the Resource Conservation and Recovery Act of
      1976, or in any applicable federal, state or local law or regulation, (b)
      hazardous substances, as defined in CERCLA, or in any applicable state or local
      law or regulation, (c) gasoline, or any other petroleum product or by-product,
      (d) toxic substances, as defined in the Toxic Substances Control Act of 1976,
      or
      in any applicable federal, state or local law or regulation or (e) insecticides,
      fungicides, or rodenticides, as defined in the Federal Insecticide, Fungicide,
      and Rodenticide Act of 1975, or in any applicable federal, state or local law
      or
      regulation, as each such Act, statute or regulation may be amended from time
      to
      time.

     

    “Hedge
      Treasury Note(s)”
shall
      mean, with
      respect to any Accepted Note, the United States Treasury Note or Notes whose
      duration (as determined by Prudential) most closely matches the duration of
      such
      Accepted Note.

     

    “Hostile
      Tender Offer”
shall
      mean, with
      respect to the use of proceeds of any Note, any offer to purchase, or any
      purchase of, shares of capital stock of any corporation or equity interests
      in
      any other entity, or securities convertible into or representing the beneficial
      ownership of. or rights to acquire, any such shares or equity interests, if
      such
      shares, equity interests, securities or rights are of a class which is publicly
      traded on any securities exchange or in any over-the-counter market, other
      than
      purchases of such shares, equity interests, securities or rights representing
      less than 5% of the equity interests or beneficial ownership of such corporation
      or other entity for portfolio investment purposes, and such offer or purchase
      has not been duly approved by the board of directors of such corporation or
      the
      equivalent governing body of such other entity prior to the date on which the
      Company makes the Request for Purchase of such Note.

     

    “Investment”
shall
      mean, when
      used with respect to any Person, any direct or indirect advance, loan or other
      extension of credit (other than the creation of receivables in the ordinary
      course of business) or capital contribution by such Person (by means of
      transfers of property to others or payments for property or services for the
      account or use of others, or otherwise) to any other Person, or any direct
      or
      indirect purchase or other acquisition by such Person of, or of a beneficial
      interest in, capital stock, partnership interests, bonds, notes, debentures
      or
      other securities issued by any other Person.

     

    “Issuance
      Fee”
is
      defined in
      paragraph 2B(8)(ii) of this Agreement.

     

    “Issuance
      Period”
is
      defined in
      paragraph 2B(2) of this Agreement.

     

    “Lien”
shall
      mean any
      mortgage, pledge, security interest, encumbrance, lien (statutory or otherwise),
      or charge of any kind (including any agreement to give any of the foregoing,
      any
      conditional sale or other title retention agreement, any lease in the nature
      thereof, and the filing of or agreement to give any financing statement under
      the Uniform Commercial Code of any jurisdiction) or any other type of
      preferential arrangement for the purpose, or having the effect, of protecting
      a
      creditor against loss or securing the payment or performance of an obligation,
      including any rights of setoff (whether by statute, common law, contract or
      otherwise).

     

    “Multiemployer
      Plan”
shall
      mean any
      Plan which is a “multiemployer plan” (as such term is defined in section
      4001(a)(3) of ERISA).

     

    “1995
      Note Agreement”
shall
      mean that
      certain Note Purchase and Private Shelf Agreement, dated as of June 29, 1995,
      between the Company and the Prudential Insurance Company of America, as amended
      from time to time. 

     

    “Notes”
is
      defined in
      paragraph lB of this Agreement.

     

    “Officer’s
      Certificate”
shall
      mean a
      certificate signed in the name of the Company by its Chairman, President, one
      of
      its Vice Presidents or its Treasurer.

     

    “Original
      Agreement”
shall
      have the
      meaning assigned to such term in the initial paragraph hereof.

     

    “Person”
shall
      mean and
      include an individual, a partnership, a joint venture, a corporation, a limited
      liability company, a trust, an unincorporated organization and a government
      or
      any department or agency thereof.

     

    “Plan”
shall
      mean any
“employee pension benefit plan” (as such term is defined in section 3 of ERISA)
      which is or has been established or maintained, or to which contributions are
      or
      have been made, by the Company or any ERISA Affiliate.

     

    “Preferred
      Stock”,
      as applied to
      any corporation, shall mean shares of stock of such corporation which are
      entitled to preference or priority over any other shares of such corporation
      in
      respect of the payment of dividends or distribution of assets upon liquidation
      or both.

     

    “Properties”
shall
      mean all
      real property owned, leased or otherwise used or occupied by the Company or
      any
      Subsidiary, wherever located.

     

    “Prudential”
is
      defined in the
      Introduction of this Agreement.

     

    “Prudential
      Affiliate”
      shall mean (i)
any
      Person which directly or indirectly through one or more intermediaries controls,
      or is controlled by, or is under common control with, Prudential, or
      (ii) any
      investment fund, account or other vehicle for which Prudential (or any
      Prudential Affiliate) acts as investment advisor or portfolio manager. As used
      in the preceding clause (i), the
      term
“control”
      means the
      possession, directly or indirectly, of the power to direct or cause the
      direction of the management and policies of a Person, whether through the
      ownership of voting securities, by contract or otherwise.

    

    “Purchasers”
shall
      mean
      Prudential, Hartford Life Insurance Company, and Medica Health Plans with
      respect to the 2001 Notes; Prudential, Pruco Life Insurance Company of New
      Jersey, Prudential Retirement Insurance and Annuity Company, and Mutual of
      Omaha
      Insurance Company with respect to the Series AA Notes; and, with respect to
      any
      Accepted Notes, Prudential and/or the Prudential Affiliate(s), which are
      purchasing such Accepted Notes.

     

    “Rentals”
shall
      mean for
      any period of determination all fixed rents or charges (including as such all
      payments during any such period of determination which the lessee is obligated
      to make on termination of the lease or surrender of the property) payable by
      the
      Company or a Subsidiary (as lessee, sublessee, license, franchisee or the like)
      for such period under a lease, license, or other agreement for the use or
      possession of real or personal property, tangible or intangible, as determined
      in accordance with generally accepted accounting principles.

     

    “Request
      for Purchase”
is
      defined in
      paragraph 2B(3) of this Agreement.

     

    “Required
      Holder(s)”
shall
      mean the
      holder or holders of at least 66 2/3% of the aggregate principal amount of
      the
      Notes from time to time outstanding.

     

    “Rescheduled
      Closing Day”
is
      defined in
      paragraph 2B(7) of this Agreement.

     

    “Responsible
      Officer”
shall
      mean the
      chief executive officer, chief operating officer, principal financial officer,
      principal accounting officer, treasurer or assistant treasurer of the Company
      or
      any other senior executive officer of the Company involved principally in its
      financial administration or its controllership function.

     

    “SEC”
shall
      mean the
      Securities and Exchange Commission. 

     

    “Securities
      Act”
shall
      mean the
      Securities Act of 1933, as amended.

     

    “Series
      AA Closing Day”
is
      defined in
      paragraph 2A of this Agreement.

     

    “Series
      AA Note(s)”
is
      defined in
      paragraph 1A of this Agreement.

     

    “Series
      AA Note Purchaser(s)”
shall
      mean
      Prudential, Hartford Life Insurance Company and Media Health Plans.

     

    “Shelf
      Notes”
is
      defined in
      paragraph lB of this Agreement.

     

    “Significant
      Holder”
shall
      mean (i)
      you, so long as you shall hold (or be committed under this Agreement to
      purchase) any Note, or (ii) any other Person which holds at least $5,000,000
      of
      the aggregate principal amount of the Notes from time to time
      outstanding.

     

    “Subsidiary”
shall
      mean any
      corporation, limited liability company, or partnership organized under the
      laws
      of any state of the United States of America which conducts the major portion
      of
      its business in and makes the major portion of its sales to Persons located
      in
      the United States or Canada, whose accounts are or are required to be
      consolidated with the Company’s under generally accepted accounting
      principles.

     

    “Third
      Party”
shall
      mean all
      lessees, sublessees, licensees and other users of the Properties, excluding
      those users of the Properties in the ordinary course of the Company’s business
      (consistent with its practices on the Date of Closing) and on a temporary
      basis.

     

    “Transferee”
shall
      mean any
      direct or indirect transferee of all or any part of any Note purchased by you
      under this Agreement.

     

    “2001
      Notes”
shall
      have the
      meaning in the initial paragraph hereof.

     

    “Voting
      Stock”
shall
      mean, with
      respect to any Person, any shares of stock of or other ownership interest in
      such Person whose holders are entitled under ordinary circumstances to vote
      for
      the election of directors or similar body of such Person (irrespective of
      whether at the time stock of any other class or classes shall have or might
      have
      voting power by reason of the happening of any contingency).

     

    “Wholly-Owned
      Subsidiary”
shall
      mean any
      Subsidiary, all of the Voting Stock of which shall, at the time of
      determination, be owned by the Company or another Wholly-Owned
      Subsidiary.

     

    10C.  Accounting
      Principles, Terms and Determinations.
      All references in
      this Agreement to “generally
      accepted accounting principles”
shall
      be deemed
      to refer to generally accepted accounting principles in effect in the United
      States at the time of application thereof Unless otherwise specified herein,
      all
      accounting terms used herein shall be interpreted, all determinations with
      respect to accounting matters hereunder shall be made, and all unaudited
      financial statements and certificates and reports as to financial matters
      required to be furnished hereunder shall be prepared, in accordance with
      generally accepted accounting principles, applied on a basis consistent with
      the
      most recent audited consolidated financial statements of the Company and its
      Subsidiaries delivered pursuant to clause (ii) of paragraph 5A or, if no such
      statements have been so delivered, the most recent audited financial statements
      referred to in clause (i) of paragraph 8B, subject in the case of, interim
      statements to normal year end adjustments and to the absence of
      footnotes.

     

    

    11.  MISCELLANEOUS.

     

    11A.  Note
      Payments.
      The Company
      agrees that, so long as any Purchaser shall hold any Note, it will make payments
      of principal of, interest on, and any Yield-Maintenance Amount payable with
      respect to such Note, which comply with the terms of this Agreement, by wire
      transfer of immediately available funds for credit (not later than 12:00 noon,
      New York City time, on the date due) to (i) the account or accounts of such
      Purchaser as previously specified in the case of any 2001 Note; (ii) the account
      or accounts of such Purchaser specified in the Purchaser Schedule attached
      hereto in the case of any 2001 Note or any Series AA Note, (iii) the account
      or
      accounts of such Purchaser specified in the Confirmation of Acceptance with
      respect to such Note in the case of any Shelf Note, or (iv) or such other
      account or accounts in the United States as such Purchaser may from time to
      time
      designate in writing, notwithstanding any contrary provision herein or in any
      Note with respect to the place of payment. Each Purchaser agrees (and any
      Transferee shall agree as a condition to the transfer of any Note or part
      thereof) that, before disposing of any Note, it (and any such Transferee) will
      make a notation thereon (or on a schedule attached thereto) of all principal
      payments previously made thereon and of the date to which interest thereon
      has
      been paid. The Company agrees to afford the benefits of this paragraph 11A
      to
      any Transferee which shall have made the same agreement as you have made in
      this
      paragraph 11A.

     

    11B.  Expenses.
      The Company
      agrees, whether or not the transactions contemplated hereby shall be
      consummated, to pay, and save you and any Transferee harmless against liability
      for the payment of, all reasonable out-of-pocket expenses actually incurred
      (including without limitation legal fees) arising in connection with such
      transactions, including:

     

    (i)  all
      taxes (together
      in each case with interest and penalties, if any), other than state or federal
      income taxes or franchise taxes, including without limitation, all stamp,
      intangibles, recording and other taxes, which may be payable with respect to
      the
      execution and delivery of this Agreement or the execution, delivery or
      acquisition of any Note;

     

    (ii)  all
      reasonable
      document production and duplication charges and the reasonable fees and expenses
      of any special counsel engaged by you or any Transferee after the Series AA
      Closing Day in connection with this Agreement or the Notes and any subsequent
      proposed modification or waiver of, or proposed consent under, this Agreement
      or
      the Notes, whether or not such proposed modification or waiver shall be effected
      or proposed consent granted, and

     

    (iii)  the
      reasonable
      costs and expenses, including reasonable attorneys’ fees, actually incurred by
      you or such Transferee in connection with the restructuring, refinancing or
      “work out” of this Agreement or the Notes or the transactions contemplated
      hereby or thereby or in enforcing (or determining whether or how to enforce)
      any
      rights under this Agreement or the Notes or in responding to any subpoena or
      other legal process or informal investigative demand issued in connection with
      this Agreement or the Notes or the transactions contemplated hereby or by reason
      of your or any Transferee’s having acquired any Note, including without
      limitation costs and expenses incurred in any bankruptcy case.

     

    The
      obligations of
      the Company under this paragraph 11B shall survive the transfer of any Note
      or
      portion thereof or interest therein by you or any Transferee and the payment
      of
      any Note.

     

    11C.  Consent
      to Amendments.
      This Agreement
      may be amended, and the Company may take any action herein prohibited, or omit
      to perform any act herein required to be performed by it, if the Company shall
      obtain the written consent to such amendment, action or omission to act, of
      the
      Required Holder(s) except that, without the written consent of the holder or
      holders of all Notes at the time outstanding, no amendment to this Agreement
      shall change:

     

    (i)  the
      maturity of any
      Note,

     

    (ii)  the
      principal of,
      or the rate or time of payment of interest on or any Yield-Maintenance Amount
      payable on any Note,

     

    (iii)  the
      time, amount or
      allocation of any prepayments, or

     

    (iv)  the
      proportion of
      the principal amount of the Notes required for any consent, amendment, waiver
      or
      declaration.

     

    Each
      holder of any
      Note at the time or thereafter outstanding shall be bound by any consent
      authorized by this paragraph 11C, whether or not such Note shall have been
      marked to indicate such consent, but any Notes issued thereafter may bear a
      notation referring to any such consent. No course of dealing between the Company
      and the holder of any Note nor any delay in exercising any rights hereunder
      or
      under any Note shall operate as a waiver of any rights of any holder of such
      Note. As used herein and in the Notes, the term “this
      Agreement”
and
      references
      thereto shall mean this Agreement as it may from be amended or supplemented
      time
      to time.

     

    11D.  Form,
      Registration, Transfer and Exchange of Notes; Lost
      Notes.
      The Notes are
      issuable in registered form without coupons in denominations of at least
      $1,000,000, except as may be necessary to reflect any principal amount not
      evenly divisible by $1,000,000. The Company shall keep at its principal office
      a
      register in which the Company shall provide for the registration of Notes and
      a
      record of transfers of the Notes. Upon surrender for registration of transfer
      of
      any Note at the principal office of the Company, the Company shall, at its
      expense, execute and deliver one or more new Notes of like tenor and of a like
      aggregate principal amount, registered in the name of such transferee or
      transferees. At the option of the holder of any Note, such Note may be exchanged
      for other Notes of like tenor and of any authorized denominations, of a like
      aggregate principal amount, upon surrender of the Note to be exchanged at the
      principal office of the Company. Whenever any Notes are so surrendered for
      exchange, the Company shall, at its expense, execute and deliver the Notes
      which
      the holder making the exchange is entitled to receive. Every Note surrendered
      for registration of transfer or exchange shall be duly endorsed, or be
      accompanied by a written instrument of transfer duly executed, by the holder
      of
      such Note or such holder’s attorney duly authorized in writing. Any Note or
      Notes issued in exchange for any Note or upon transfer thereof shall carry
      the
      rights to unpaid interest and interest to accrue which were carried by the
      Note
      so exchanged or transferred, so that neither gain nor loss of interest shall
      result from any such transfer or exchange. Upon receipt of written notice from
      the holder of any Note of the loss, theft, destruction or mutilation of such
      Note and, in the case of any such loss, theft or destruction, upon receipt
      of
      such holder’s unsecured indemnity agreement, or in the case of any such
      mutilation upon surrender and cancellation of such Note, the Company will make
      and deliver a new Note, of like tenor, in lieu of the lost, stolen, destroyed
      or
      mutilated Note.

     

    11E.  Persons
      Deemed Owners; Participations.
      Prior to due
      presentment for registration of transfer, the Company shall treat the Person
      in
      whose name any Note is registered as the owner and holder of such Note for
      the
      purpose of receiving payment of principal of, interest on and any
      Yield-Maintenance Amount payable with respect to such Note and for all other
      purposes whatsoever, whether or not such Note shall be overdue, and the Company
      shall not be affected by notice to the contrary. Subject to the preceding
      sentence, the holder of any Note may from time to time grant participations
      in
      such Note to any Person (other than any Person not an institutional investor)
      on
      such terms and conditions as may be determined by such holder in its sole and
      absolute discretion.

     

    11F.  Survival
      of Representations and Warranties; Entire Agreement.
      All
      representations and warranties contained herein or made in writing by or on
      behalf of the Company in connection herewith shall survive the execution and
      delivery of this Agreement and the Notes, the transfer by you of any Note or
      portion thereof or interest therein and the payment of any Note, and may be
      relied upon by any Transferee, regardless of any investigation made at any
      time
      by or on behalf of you or any Transferee. Subject to the preceding sentence,
      this Agreement and the Notes embody the entire agreement and understanding
      between you and the Company and supersede all prior agreements and
      understandings relating to the subject matter hereof

     

    11G.  Successors
      and Assigns; Transfer Provisions.
      All covenants and
      other agreements in this Agreement contained by or on behalf of either of the
      parties hereto shall bind and inure to the benefit of the respective successors
      and assigns of the parties hereto (including, without limitation, any
      Transferee) whether so expressed or not.

     

    11H.  Disclosure
      to Other Persons; Confidentiality.
      The Company
      acknowledges that the holder of any Note may deliver copies of any financial
      statements and other documents or information delivered to such holder, and
      disclose any other information disclosed to such holder, by or on behalf of
      the
      Company or any Subsidiary in connection with or pursuant to this Agreement
      only
      to:

     

    (i)  such
      holder’s
      directors, officers, employees, agents and professional
      consultants,

     

    (ii)  any
      other holder of
      any Note,

     

    (iii)  any
      Person to which
      such holder offers to sell such Note or any part thereof, provided that each
      such Person agrees in writing to observe the confidentiality standards described
      in this paragraph 11H,

     

    (iv)  any
      Person to which
      such holder sells or offers to sell a participation in all or any part of such
      Note, provided that each such Person agrees in writing to observe the
      confidentiality standards described in this paragraph 11H,

     

    (v)  any
      Person from
      which such holder offers to purchase any security of the Company, provided
      that
      each such Person agrees in writing to observe the confidentiality standards
      described in this paragraph 11H,

     

    (vi)  any
      federal or
      state regulatory authority having jurisdiction over such holder,

     

    (vii)  the
      National
      Association of Insurance Commissioners or any similar organization
      or

     

    (viii)  any
      other Person to
      which such delivery or disclosure may be necessary or reasonably appropriate
      (a)
      in compliance with any law, rule, regulation or order applicable to such holder,
      (b) in response to any subpoena or other legal process or informal investigative
      demand or (c) in connection with any litigation to which such holder is a
      party.

     

    Subject
      to the
      foregoing, each holder of a Note hereby agrees to use its best efforts to hold
      in confidence and not to disclose any Confidential Information; provided, that
      such holder will be free, after notice to the Company, to correct any false
      or
      misleading information which may become public concerning its relationship
      to
      the Company. For the purpose of this paragraph 11H, the term “Confidential
      Information”
shall
      mean
      information about the Company or any Subsidiary furnished by the Company or
      any
      Subsidiary to such holder, but does not include any information (i) which as
      publicly known, or otherwise known to such holder, at the time of disclosure,
      (ii) which subsequently becomes publicly known through no act or omission by
      such holder, or (iii) which otherwise becomes known to such holder other than
      through disclosure by the Company or any Subsidiary.

     

    11I.  Notices.
      All written
      communications provided for hereunder shall be sent by first class mail or
      nationwide overnight delivery service (with charges prepaid) and

     

    (i)  if
      to you,
      addressed to you at the address specified for such communications in the
      Purchaser Schedule attached hereto, or at such other address as you shall have
      specified to the Company in writing,

     

    (ii)  if
      to any other
      holder of any Note, addressed to such other holder at such address as such
      other
      holder shall have specified to the Company in writing or, if any such other
      holder shall not have so specified an address to the Company, then addressed
      to
      such other holder in care of the last holder of such Note which shall have
      so
      specified an address to the Company, and

     

    (iii)  if
      to the Company,
      addressed to it at 1641 Fairystone Park Highway, Stanleytown, Virginia 24168,
      Telephone: (276) 627-2000, Telecopy: (276) 629-5114, Attention: Mr. Douglas
      I.
      Payne, Executive Vice President - Finance and Administration or at such other
      address as the Company shall have specified to the holder of each Note in
      writing.

     

    11J.  Payments
      Due on Non-Business Days.
      Anything in this
      Agreement or the Notes to the contrary notwithstanding, any payment of principal
      of or interest on any Note that is due on a date other than a Business Day
      shall
      be made on the next succeeding Business Day. If the date for any payment is
      extended to the next succeeding Business Day by reason of the preceding
      sentence, the period of such extension shall not be included in the computation
      of the interest payable on such Business Day.

     

    11K.  Satisfaction
      Requirement.
      If any agreement,
      certificate or other writing, or any action taken or to be taken, is by the
      terms of this Agreement required to be satisfactory to you or to the Required
      Holder(s), the determination of such satisfaction shall be made by you or the
      Required Holder(s), as the case may be, in the sole and exclusive judgment
      (exercised in good faith) of the Person or Persons making such
      determination.

     

    11L.  Independence
      of Covenants.
      All covenants of
      the Company hereunder shall be of independent effect so that if a particular
      action or condition is not permitted by any one of such covenants, the fact
      that
      it would be permitted by an exception to, or otherwise be within the other
      limitations of, another covenant, shall not avoid the occurrence of an Event
      of
      Default or Default if such action is taken or condition exists.

     

    11M.  Governing
      Law.
      This Agreement
      shall be construed and enforced in accordance with, and the rights of the
      parties shall be governed by, the law of the State of New York. THE COMPANY
      HEREBY SUBMITS TO THE JURISDICTION OF THE SUPREME COURT OF THE STATE OF NEW
      YORK
      LOCATED IN NEW YORK COUNTY, NEW YORK AND THE UNITED STATES DISTRICT COURT FOR
      THE SOUTHERN DISTRICT OF NEW YORK AND IRREVOCABLY AGREES THAT, SUBJECT TO THE
      SOLE AND ABSOLUTE ELECTION OF THE REQUIRED HOLDER(S) AND TO THE EXTENT PERMITTED
      BY APPLICABLE LAW, ALL ACTIONS OR PROCEEDINGS RELATING TO THIS AGREEMENT OR
      THE
      NOTES SHALL BE LITIGATED IN SUCH COURTS, AND THE COMPANY WAIVES ANY OBJECTION
      WHICH IT MAY HAVE BASED ON IMPROPER VENUE OR FORUM NON CONVENIENS TO THE CONDUCT
      OF ANY PROCEEDING IN ANY SUCH COURTS.

     

    11N.  Severability.
      Any provision of
      this Agreement which is prohibited or unenforceable in any jurisdiction shall,
      as to such jurisdiction, be ineffective to the extent of such prohibition or
      unenforceability without invalidating the remaining provisions hereof, and
      any
      such prohibition or unenforceability in any jurisdiction shall not invalidate
      or
      render unenforceable such provision in any other jurisdiction.

     

    11O.  Descriptive
      Headings.
      The descriptive
      headings of the several paragraphs of this Agreement are inserted for
      convenience only and do not constitute a part of this Agreement.

     

    11P.  Counterparts.
      This Agreement
      may be executed in any number of counterparts, each of which shall be deemed
      an
      original, but all of which together shall constitute one
      instrument.

     

    If
      you agree to the
      foregoing, please sign the form of acceptance on the enclosed counterpart of
      this letter and return the same to the Company, whereupon this letter shall
      become a binding agreement between the Company and you.

     

    [signatures
      appear on following pages]

     

     

    
      Very
        Truly
        Yours,

      

      STANLEY
        FURNITURE COMPANY, INC.

      

       

      By:     /s/
        Douglas
        I. Payne

      Name:   Douglas
        I. Payne

      Title:        Exective
        Vice-President -
        Finance & Adminstration

      
 

      
                                    The
          foregoing
          Agreement is 

                                    hereby
          accepted as of
          the date 

                                    first
          above
          written.

         

                                    THE
          PRUDENTIAL INSURANCE COMPANY OF
          AMERICA

                                    By:
/s/
          Jay S. White

                                    Name:
          Jay S. White

                                    Title:
          Vice President

                                                   

         

      

                                  HARTFORD
        LIFE
        INSURANCE COMPANY

                      

      
        By:
          Prudential Private
          Placement Investors, LP

          (as
          Investment
          Advisor)

         

        By:
          Prudential Private
          Placement Investors, Inc.

          (as
          its General
          Partner)

         

        By:
/s/
          Jay S.
          White  

        Name:
          Jay S.
          White

        Title:
          Vice
          President

      

       

    

    
                                              

      MEDICA
        HEALTH PLANS

       

      By:
        Prudential Private
        Placement Investors, LP

        (as
        Investment
        Advisor)

       

      By:
        Prudential Private
        Investment Investors, Inc. 

        (as
        its General
        Partner)

       

      By:
/s/
        Jay S.
        White  

      Name:
        Jay S.
        White

      Title:
        Vice
        President

      

       

      PRUCO
        LIFE
        INSURANCE COMPANY OF NEW JERSEY

       

      By:
/s/
        Jay
        S.White    

      Name:
        Jay S.
        White     

      Title:
        Assistant
        Vice President

 

      PRUDENTIAL
        RETIREMENT INSURANCE AND ANNUITY COMPANY

      

      By: Prudential
        Investment Management, Inc.,

        as
        investment
        manager

       

      By:
/s/
        Jay S.
        White

      Name:
        Jay S. White                   

      Title:
Vice
        President

    

     

     

                                MUTUAL
      OF
      OMAHA INSURANCE COMPANY

     

                                By: Prudential
      Private Placement Investors,

                                  LP
      (as Investment Advisor)

     

                                By:Prudential
      Private Placement Investors,
      Inc.

                                  (as
      its General
      Partner)

     

                                By:
/s/
      Jay S. White

                                Name:
      Jay S.
      White

                                Title:
      Vice
      President

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