Document:

<PAGE>
                                                                   Exhibit 10(t)
                                                                  EXECUTION COPY

                               JOINDER AGREEMENT

         Reference is made to the Term Loan Agreement, dated as of July 31, 2000
(as amended, supplemented or otherwise modified from time to time, the "Loan
Agreement"), among GGP Limited Partnership, GGPLP L.L.C., the institutions from
time to time parties thereto as Lenders, Lehman Commercial Paper Inc., as
Syndication Agent, and Bankers Trust Company, as Administrative Agent. Unless
otherwise defined herein, terms defined in the Loan Agreement and used herein
shall have the meanings given to them in the Loan Agreement.

         Fleet National Bank (the "Joining Lender") (i) represents and warrants
that it is legally authorized to enter into this Joinder Agreement; (ii)
confirms that it has received a copy of the Loan Agreement, together with copies
of such other documents and information as it has deemed appropriate to make its
own credit analysis and decision to enter into this Joinder Agreement; (iii)
agrees that it will, independently and without reliance upon the Co-Agents or
any other Lender and based on such documents and information as it shall deem
appropriate at the time, continue to make its own credit decisions in taking or
not taking action under the Loan Agreement; (iv) appoints and authorizes the Co-
Agents to take such action as agent on its behalf and to exercise such powers
under the Loan Agreement as are delegated to the Co-Agents by the terms thereof,
together with such powers as are reasonably incidental thereto; (v) agrees that
it will perform in accordance with their terms all of the obligations which by
the terms of the Loan Agreement are required to be performed by it as a Lender;
(vi) confirms that, to the best of its knowledge, as of the date hereof, it is
not subject to any law, regulation or guideline from any central bank or other
Governmental Authority or quasi-governmental authority exercising jurisdiction,
power or control over it, which would subject the Borrower to the payment of
additional compensation under Section 13.2 or under Section 13.3 of the Loan
Agreement; (vii) specifies as its Domestic Lending Office (and address for
notices) and Eurodollar Lending Office(s) the offices set forth on Schedule 1
hereto; and (viii) if the Joining Lender is organized under the laws of a
jurisdiction outside the United States, attaches the forms prescribed by the
Internal Revenue Service of the United States certifying as to the Joining
Lender's status for purposes of determining exemption from United States
withholding taxes with respect to all payments to be made to the Joining Lender
under the Loan Agreement and the Notes or such other documents as are necessary
to indicate that all such payments are subject to such taxes at a rate reduced
by an applicable tax treaty.

         Upon execution and delivery of this Joinder Agreement by the parties
hereto as provided in Section 3.2 of the Loan Agreement, (a) the Joining Lender
hereby shall be a party to the Loan Agreement, shall be a Lender under the Loan
Agreement having the Loan Commitments set forth in Schedule 1 hereto, effective
as of the date of this Joinder Agreement, and shall have the rights and
obligations of a Lender under the Loan Agreement and (b) the Maximum Aggregate
Loan Amount shall be increased to $155,000,000.00.

         THIS JOINDER AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED AND
INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.
<PAGE>

                                                                               2

         This Joinder Agreement may be executed by one or more of the parties
hereto on any number of separate counterparts, and all of said counterparts
taken together shall be deemed to constitute one and the same instrument.
Delivery of an executed signature page hereof by facsimile transmission shall be
effective as delivery of a manually executed counterpart hereof.
<PAGE>

                                                                               3

         IN WITNESS WHEREOF, the parties hereto have caused this Joinder
Agreement to be duly executed and delivered by their proper and duly authorized
officers as of this 22nd day of September, 2000.

                                               FLEET NATIONAL BANK

                                               By:______________________________
                                                  Name:
                                                  Title:

Accepted and agreed:

GGP LIMITED PARTNERSHIP, a Delaware limited partnership

By:  GENERAL GROWTH PROPERTIES, INC.,
     a Delaware corporation, its sole general partner

     By: _________________________________________
         Name:  Bernard Freibaum
         Title: Executive Vice President

GGPLP L.L.C., a Delaware limited liability company

By:  GGP LIMITED PARTNERSHIP,
     a Delaware limited partnership, its managing member

     By: GENERAL GROWTH PROPERTIES, INC.,
         a Delaware corporation. its sole general partner

         By: _____________________________________
         Name:  Bernard Freibaum
         Title: Executive Vice President
<PAGE>

                                                                               4

Consented to:

BANKERS TRUST COMPANY,
as Administrative Agent

By:______________________________
   Name:
   Title:

LEHMAN COMMERCIAL PAPER INC.,
as Syndication Agent

By:______________________________
   Name:
   Title:
<PAGE>

                                                                      Schedule 1

                     LOAN COMMITMENT AND NOTICE ADDRESSES

1.       Name of Lender:                    Fleet National Bank
         Notice Address and
         Domestic Lending Office:           One Federal Street
                                            Mail Stop - MA_DE10304X
                                            Boston, Masschusetts  02110

         Attention:                         Margaret Mulcahy
         Telephone:                         617-346-0996
         Facsimile:                         617-346-4672

         Eurodollar Lending Office:         One Federal Street
                                            Mail Stop - MA_DE10304X
                                            Boston, Masschusetts  02110

         Attention:                         Margaret Mulcahy
         Telephone:                         617-346-0996
         Facsimile:                         617-346-4672

2.       Loan Commitment:                   $30,000,000.00
         Adjusted Pro Rata Share:           19.35%<PAGE>
                                                                   Exhibit 10(u)
                                      NOTE

$30,000,000.00                                                New York, New York
                                                              September 22,2000

         FOR VALUE RECEIVED, the undersigned, GGP LIMITED PARTNERSHIP, a
Delaware limited partnership, and GGPLP L.L.C., a Delaware limited liability
company (individually and collectively, the "Borrower"), jointly and severally,
hereby unconditionally promise to pay to the order of FLEET NATIONAL BANK (the
"Lender") at the office of Bankers Trust Company, located at 130 Liberty Street,
New York, New York 10006 in lawful money of the United States of America and in
immediately available funds, the principal amount of THIRTY MILLION DOLLARS
($30,000,000.00), or, if less, the unpaid principal amount of the Loans made by
the Lender pursuant to Section 2.1 or Article III of the Term Loan Agreement, as
hereinafter defined. The Borrower further agrees to pay interest in like money
at such office on the unpaid principal amount hereof from time to time
outstanding at the rates and on the dates specified in Section 5.1 of such Term
Loan Agreement.

         The holder of this Note is authorized to endorse on the schedules
annexed hereto and made a part hereof or on a continuation thereof which shall
be attached hereto and made a part hereof the date, type and amount of the
Loan(s) evidenced hereby and the date and amount of each payment or prepayment
of principal with respect thereto, each conversion of all or a portion thereof
to another type, each continuation of all or a portion thereof as the same type
and, in the case of Eurodollar Rate Loans, the length of each Interest Period
with respect thereto. Each such endorsement shall constitute prima facie
evidence of the accuracy of the information endorsed. The failure to make any
such endorsement shall not affect the obligations of the Borrower in respect of
such Loan.

         This Note (a) is one of the Notes referred to in the Term Loan
Agreement dated as of July 31, 2000 (as amended, supplemented or otherwise
modified from time to time, the "Term Loan Agreement"), among the Borrower, the
Lender, the other institutions from time to time parties thereto as lenders and
Bankers Trust Company, as administrative agent, (b) is subject to the provisions
of the Term Loan Agreement and (c) is subject to voluntary and mandatory
prepayment in whole or in part as provided in the Term Loan Agreement. This Note
is guaranteed as provided in the Loan Documents. Reference is made to the Loan
Documents for the nature and extent of the guarantees, the terms and conditions
upon which each guarantee was granted and the rights of the holder of this Note
in respect thereof.

         Upon the occurrence and during the continuance of any one or more of
the Events of Default, all amounts then remaining unpaid on this Note shall
become, or may be declared to be, immediately due and payable, all as provided
in the Term Loan Agreement.

         To the extent not prohibited by law, all parties now and hereafter
liable with respect to this Note, whether maker, principal, surety, guarantor,
endorser or otherwise, hereby waive presentment, demand, protest and all other
notices of any kind.
<PAGE>

                                                                               2

         Unless otherwise defined herein, terms defined in the Term Loan
Agreement and used herein shall have the meanings given to them in the Term Loan
Agreement.

         NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN OR IN THE
TERM LOAN AGREEMENT, THIS NOTE MAY NOT BE TRANSFERRED EXCEPT PURSUANT TO AND IN
ACCORDANCE WITH THE REGISTRATION AND OTHER PROVISIONS OF SECTION 15.1 OF THE
TERM LOAN AGREEMENT. THIS NOTE SHALL BE GOVERNED BY, AND CONSTRUED AND
INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK.

            [The remainder of this page is intentionally left blank]
<PAGE>

         IN WITNESS WHEREOF, the Borrower has caused this Note to be executed
and delivered by its duly authorized officer as of the day and year first above
written.

                                  GGPLP L.L.C., a Delaware limited liability
                                  company

                                  By:  GGP LIMITED PARTNERSHIP, a Delaware
                                  limited partnership, its sole managing member

                                  By:  GENERAL GROWTH PROPERTIES, INC., a
                                  Delaware corporation, its sole general partner

                                  By:___________________________________
                                     Name:  Bernard Freibaum
                                     Title: Executive Vice President

                                  GGP LIMITED PARTNERSHIP, a Delaware
                                  limited partnership

                                  By:  GENERAL GROWTH PROPERTIES, INC., a
                                  Delaware corporation, its sole general partner

                                  By:___________________________________
                                     Name:  Bernard Freibaum
                                     Title: Executive Vice President
<PAGE>

                                                                      Schedule A
                                                                         to Note
                                                                         -------

              LOANS, CONVERSIONS AND REPAYMENTS OF BASE RATE LOANS

<TABLE>
<CAPTION>
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                               Amount                                Amount of Base Rate      Unpaid Principal
          Amount of Base    Converted to    Amount of Principal of    Loans Converted to     Balance of Base Rate    Notation
  Date      Rate Loans    Base Rate Loans   Base Rate Loans Repaid   Eurodollar Rate Loans          Loans             Made By
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<S>       <C>             <C>               <C>                      <C>                     <C>                     <C>
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</TABLE>
<PAGE>

                                                                      Schedule B
                                                                         to Note
                                                                         -------

    LOANS, CONTINUATIONS, CONVERSIONS AND REPAYMENTS OF EURODOLLAR RATE LOANS

<TABLE>
<CAPTION>
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                                        Interest Period       Amount of      Amount of Eurodollar  Unpaid Principal
         Amount of   Amount Converted    and Eurodollar      Principal of          Rate Loans         Balance of
        Eurodollar     to Eurodollar        Rate with       Eurodollar Rate       Converted to        Eurodollar       Notation
  Date  Rate Loans       Rate Loans      Respect Thereto      Loans Repaid      Base Rate Loans       Rate Loans        Made By
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<S>     <C>          <C>                <C>                 <C>               <C>                   <C>                 <C>
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</TABLE>

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