Document:

Employee Stock Purchase Plan

  Exhibit 10.8
 EMPLOYEE STOCK PURCHASE
PLAN

(As amended on November 4, 2002)
 PURPOSE OF THE PLAN
 The
Employee Stock Purchase Plan of 1995 (“Plan”) is sponsored by UnumProvident Corporation (“Company”) to provide its employees an those of its subsidiaries and affiliates an opportunity to share in the ownership of the parent
company, UnumProvident Corporation, by providing them with a convenient means for regular and systematic purchases of shares of the parent company’s Common Stock, $0.10 par value (“Stock”), at favorable prices and on favorable terms,
and thus to develop a stronger incentive to work for continued success of the Company.
 The Plan is intended to qualify as an “Employee Stock Purchase Plan” under
Sections 421 and 423 of the Internal Revenue Code of 1986, as amended (“Code”). The provisions of the Plan will be construed in a manner consistent with the requirements of such sections of the Code.
 ADMINISTRATION
 The Plan is administered by the Compensation Committee of the Board of Directors (“Committee”).
Members of the Committee are non-employee directors who are elected by the stockholders. Members of the Committee serve without fixed terms and are appointed or removed by the Board. The Committee has the power to make, amend, and repeal rules and
regulations for the interpretation and administration of the Plan.
 The Company reserves the right for the Committee to amend, suspend, or discontinue the Plan. No amendments will
be made without stockholder approval if such approval is required under any law or requirement of the stock exchange upon which the Stock is listed. Amendments to change the number of shares reserved for option under the Plan or to decrease the
option price may only be made with stockholder approval.
 STOCK SUBJECT TO PLAN; TERM OF PLAN; PRORATION OF SHARES
 
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  The total number of shares that may be optioned to all participants under the Plan may not exceed 1,460,000 shares. The shares are available for purchases
under the Plan through December 31, 2004. Stock subject to the Plan may be unissued shares, reacquired shares or shares bought on the open market for purposes of the Plan. If the total number of shares to be purchased by all participants in any
Option Period exceeds the number of shares set aside for the Plan, shares will be purchased only for the number of shares equal to a pro rata portion of the available number of shares. If this occurs, any remaining balance in a participant’s
account will be returned to the participant. Whenever any change is made in Stock subject to the Plan or subject to deductions outstanding under the Plan (though merger, consolidation, reorganization, recapitalization, stock dividend, stock split,
combination of shares, exchange of shares, change in corporate structure, or otherwise), action will be taken by the Committee to adjust the number of shares subject to the Plan and the terms of options outstanding under the Plan.
 ELIGIBILITY
 All employees of the Company and their subsidiaries and affiliates are eligible to participate in the
Plan except:
 a)        Employees who own stock possessing
5% or more of the total combined voting power or value of all classes of stock of the parent company.
 b)        Employees who customarily work less than 20 hours per week.
 c)        Employees who customarily work 5 months or less per calendar year.
 d)        Employees who are not currently receiving a regular payroll paycheck from the company.
 PURCHASE PERIODS AND PURCHASE PRICE
 In each calendar year there are four three-month “Purchase Periods” beginning January 1, April
1, July 1, and October 1. Options to purchase shares under the Plan will be granted by the Company at the beginning of each period and are nontransferable by the employee. Each Purchase Period will end on March 31, June 30, September 30 and December
31, respectively. Options granted at the beginning of each Purchase Period will be exercised at the end of such Purchase Period. Unless the participating employee withdraws from the Plan (see “WITHDRAWING FROM THE PLAN”), whole and
fractional shares of Stock will automatically be purchased for such participating employee with the money withheld through payroll deductions during the period.
 
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  The purchase price per share is 85% of the fair market value of the stock on the beginning date of a Purchase Period or the ending date of a Purchase Period,
whichever amount is lower. The fair market value of a share of stock shall be the official closing market price of the Stock on the New York Stock Exchange (NYSE). If the NYSE is closed, or if no sale of the Stock occurred on either of these dates,
then the closing market price on the date preceding the beginning or ending of a Purchase Period on which there was a sale will apply.
 The following examples illustrate how the
purchase price is determined:
 Example #1: Purchase Period January 1 – March 31
 Closing price on January 1 - $25 ($25 x 85%) = $21.25
 Closing price on March 31 - $27 ($27 x 85%) = $22.95
 Since 85% of $25 is less than 85% of $27, the purchase price on March 31 would be $21.25.
 Example #2: Purchase Period July 1
– September 30
 Closing price on July 1 - $28 ($28 x 85%) = $23.80
 Closing price on September 30 - $26 ($26 x 85%) = $22.10
 Since 85% of $26 is less than 85% of $28, the purchase price on September 30 would be $22.10
per share.
 ENROLLMENT
 Participation in the Plan is voluntary. When an employee becomes eligible to
participate in the Plan, such employee may enroll prior to the beginning of a Purchase Period by calling the brokerage firm. By enrolling in the Plan, the employee authorizes the Company to make after-tax payroll deductions from compensation (as
defined in “PAYROLL DEDUCTION AMOUNTS”). Enrollment must be submitted prior to the first payroll period of the applicable Purchase Period. Any employee who does not enroll at 
 
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  the initial eligibility date, may, if eligible, enroll in the manner described above and begin participating at any later Purchase Period if eligible at that
time.
 
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  PAYROLL DEDUCTION AMOUNTS
 A participating employee may elect payroll deduction
of any amount in each pay period but not less than $10 per pay period. The maximum amount per pay period is $885 except in the transition year 2000 when the maximum amount per pay period is $1,200. Compensation is defined, for purposes of the Plan,
as the participant’s regular base wages, but excluding overtime, bonuses and any incentive pay.
 CHANGES IN PAYROLL DEDUCTION
 An employee may change payroll deduction amounts at any time while enrolled in the Plan, subject to the “Payroll Deduction Amounts” discussed above. However, any change in payroll deductions during a Purchase
Period will not become effective until the first payroll deduction of the following Purchase Period. If any employee changes the deduction amount to $0, this is considered a withdrawal from the Plan. See “WITHDRAWAL FROM
THE PLAN” for further details.
 LUMPT SUM PURCHASE PAYMENTS
 Lump sum
purchase payments are not available.
 MAXIMUM AMOUNT OF PURCHASE
 The maximum amount of Stock a
participating employee can purchase under this Plan is limited to $25,000 in Fair Market Value of Stock (determined at the time of option grant) for each calendar year. If a participating employee’s purchases reach this amount, such
participating employee’s excess payroll deductions will be returned as soon as practicable.
 STOCK ACCOUNT, RIGHTS OF A STOCKHOLDER AND DELIVERY OF SHARES

Payroll deductions on behalf of each participating employee will be used to purchase stock of the Company, with such stock purchased credited to an account maintained by a brokerage firm
selected by the Committee.
 
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  Stock Account
 Whole and fractional shares are automatically credited to a
participating employee’s Stock account at the brokerage firm as soon as practicable after each Purchase Period ends. No interests in, and no further rights or obligations under, the Plan are created by crediting a participating employee’s
Stock account.
 Rights of a Stockholder
 A participating employee will have the rights and privileges
of a stockholder once the shares are credited to his/her account, subject to the six month restriction period discussed under “Holding Period and Delivery of Shares” below. Whole shares, but not fractional shares, can be voted. Dividends
on shares purchased and maintained in a participating employee’s Stock account automatically will be reinvested in Stock under the terms and conditions for dividend reinvestment, unless the participating employee requests a dividend check from
the brokerage firm. Shares purchased through dividend reinvestment are not offered under the Plan and are not purchased pursuant to, or at a price determined under, the Plan.
 Holding Period and Delivery of Shares
 Shares of Stock purchased pursuant to this Plan may not be transferred or disposed of for a period of six months following the
date on which such shares are purchased, except in the event of Involuntary Termination, Death or Disability as discussed under “TERMINATION OF EMPLOYEMENT”.
 WITHDRAWAL FROM THE PLAN
 A participating employee may withdraw from the Plan at any time before, during or after a Purchase Period. If a withdrawal occurs for any
reason, the participating employee’s interest in the Plan terminates. To voluntarily withdraw, a participating employee must notify the brokerage firm. If a participating employee becomes ineligible to participate in the Plan for any reason,
the Company will automatically withdraw the employee from the Plan.
 When a participating employee withdraws from the Plan, the Company will cease payroll deductions, and any
payroll deductions that may have accumulated in the current quarter will be refunded as soon as practicable. Such participating employee may not participate in the Plan until the 
 
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  beginning of the Purchase Period following completion of one year from the date of withdrawal. For example, if a participating employee withdrew in March of
a year, he/she would not be eligible to participate again until the Purchase Period beginning April 1 of the following.
 If a participating employee elects a “hardship
withdrawal” from a 401(k) plan, such employee may be ineligible to participate in the Employee Stock Purchase Plan to the extent required by section 401(k) of the Internal Revenue Code of 1986, as amended.
 To resume participation after any type of withdrawal, an employee must notify the brokerage firm to re-enroll prior to the payroll period deadline of the applicable Purchase Period.
 TERMINATION OF EMPLOYMENT
 Other than Involuntary Termination, Death or Disability
 If an employee leaves the company for any reason other than involuntary termination, death or disability, such employee’s participating will automatically end on the date of termination of
employment and any payroll deductions that have accumulated will be refunded as soon as practicable. Shares in the participating employee’s Stock Account will continue to be subject to the six-month restriction period as discussed under
“Holding Period and Delivery of Shares.”
 Involuntary Termination, Death or Disability
 If
an employee is involuntarily terminated, dies or becomes disabled while participating in the Plan, such employee’s participation will automatically end on the date of termination of employment, death or disability, and any payroll deductions
that have accumulated will be refunded as soon as practicable. In the event of a participating employee’s death, funds will be refunded to the names beneficiary of the payroll deduction account, or if a beneficiary has not been named, to such
deceased employee’s estate. Shares in a Stock Account for employees mentioned in this section will not be subject to the six-month restriction period discussed under “Holding Period and Delivery of Shares.” For this Plan, involuntary
termination is a termination whereby an employee is eligible for the Company’s Separation Pay Plan or Severance Pay Plan.
 
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  Tax Obligations
 The following summary of the principal U.S. federal income tax
consequences under current federal income tax laws relating to stock purchased under the Plan is not intended to be exhaustive and, among other things, does not describe state, local or international tax consequences. Tax consequences may vary
depending on individual circumstances, and an employee should consult his or her tax advisor as to the consequences resulting from the grant, purchase and subsequent sale of Stock under all applicable law.
 The Plan is intended to meet the requirements of an “employee stock purchase plan” (“ESPP”) within the meaning of section 423 of the Internal Revenue Code of 1986, as amended. Under federal income
tax law presently in effect, an employee is not taxed by reason of the purchase of shares received under the Plan. Since deductions for purchase of shares are made after taxes are withheld from pay, an employee will have no future income tax
obligation related to the Stock’s value until sale, exchange or other lifetime transfer of legal title (such as a gift) of one or more shares of Stock (“disposition”). If a sales, exchange or other lifetime transfer occurs, the
federal income tax consequences will depend on whether the disposition occurs before or after the expiration of a period of at least one year after the ESPP Stock was purchased and two years after the beginning of the Purchase Period in which the
stock was purchased (“Minimum Qualified Holding Period”).
 If an employee holds ESPP Stock for the Minimum Qualified Holding Period or if the employee dies, then for the
year in which the disposition or death occurs an employee must realize as ordinary income (and not as capital gain) an amount equal to the lesser of (1) the excess of the fair market value of such Stock at the date of the disposition or death over
the amount paid for such Stock, or (2) the excess of the fair market value of such Stock at the beginning of the Purchase Period over the discounted price at the beginning of the Purchase Period. An amount equal to the amount realized as ordinary
income is added to an employee’s basis of Stock purchased under this Plan for the purpose of determining the amount of any capital gain or loss resulting from the disposition. In the case of death, the basis of the stock in the hands of the
estate or heir is the fair market value of the stock on the date of the decedent’s death or the alternate estate valuation date.
 If an employee has not held Stock purchased
under this Plan for the Minimum Qualified Holding Period, then for the year in which disposition occurs the employee must realize as ordinary taxable income an
 
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  amount equal to the excess of the fair market value of such Stock at the date of purchase over the amount paid for such Stock. This amount may be subject to
federal income tax withholding (which may be taken from the employee’s regular paycheck) and will be reported on the employee’s Form W-2 for the year the disposition occurs. An amount equal to the amount realized as ordinary income is
added to an employee’s basis of such Stock for the purpose of determining the amount of any capital gain or loss resulting from the disposition.
 The Company will not obtain
any federal income tax deduction by reason of the discount the employee receives on the purchase of ESPP Stock, the disposition of such Stock after the end of the Minimum Qualified Holding Period, or the employee’s death. However, if there is a
disposition of such Stock before the end of the Minimum Qualified Holding Period, the Company will be entitled to deduct, in the taxable year in which such disposition occurs, an amount equivalent to the ordinary taxable income an employee
recognized.
 GENERAL INFORMATION
 This plan is not subject to any provisions of the Employee
Retirement Income Security Act of 1974 (ERISA). However, UnumProvident is required by the Security and Exchange Commission rules and regulations to provide certain information. Participation in the plan is entirely voluntary and carries with it the
risk of fluctuations in the value of the Stock. No recommendation is made by the Company as to whether or not employees should participate in the Plan.
 All payroll deduction
amounts received under the Plan will be included in the UnumProvident’s general funds and may be used for any business purpose. To the extent UnumProvident’s general funds may be subject to liens, such payroll deduction amounts may also be
subject to liens. No interest will be paid or credited to an employee’s account. An employee may not voluntarily or involuntarily transfer or assign his/her rights under this plan.
 Plan obligations cease once shares are credited to an employee’s Stock account. No interests in the Plan and no further rights or obligations under the Plan are created by crediting an employee’s Stock account.
 The information in this document is intended to summarize the principal section of the Plan. This information is not intended to be complete and is qualified by reference to the Plan. An employee
should
 
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  also review the Plan and all materials identified as constituting part of the prospectus carefully before making any decisions to participate. These
materials and information about the Plan may be obtained from your Human Resources office at the following address and phone number:
 UnumProvident
Corporation
 2211 Congress Street
 Portland, ME 04122
 (207) 575-2211
 Requirements Restricting Resale By Affiliates
 Persons who are officers or directors of the company or who are otherwise deemed to be “affiliates” of the company within the meaning of the rules and regulations under the Securities Act of
1933, as amended (the “Securities Act”), may not sell shares of common stock of the company unless the sales are made within the limitations and subject to the conditions set forth in Rule 144 promulgated under the Securities Act.
Participants in the Plan are advised to consult with counsel as to their status as an “affiliate” of the company.
 Requirements For Certain Officers

An “officer” of the company as defined in Rule 16a-1(f) under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), is subject to the reporting
requirements of Section 16 of the Exchange Act for acquisitions of stock pursuant to the Plan. Acquisitions pursuant to the Plan are exempt from the liability provisions which otherwise apply under Section 16(b) of the Exchange Act (“Section
16(b))”). Participants in the Plan who are subject to Section 16(a) and 16(b) are advised to consult with counsel if they have any questions regarding compliance with these Sections.
 
Page 10First Amendment and Waiver, dated as of August 13, 2002

  Exhibit 10.29
 FIRST AMENDMENT AND
WAIVER TO FIVE-YEAR CREDIT AGREEMENT
 THIS FIRST AMENDMENT TO FIVE-YEAR CREDIT AGREEMENT, dated as of August 13, 2002 (this “Agreement”), amends the Five-Year Credit Agreement, dated as of October 31, 2000 (the “Credit Agreement”), among UnumProvident Corporation, a Delaware
corporation (the “Company”), the several financial institutions from time to time party to this Agreement (collectively, the “Banks”;
individually, a “Bank”), Citicorp USA Inc. and Wachovia Bank, N.A., as Co-Syndication Agents, Fleet National Bank, as Documentation Agent and Bank of America, N.A., as Administrative Agent for
the Banks (the “Agent”). Terms defined in the Credit Agreement are, unless otherwise defined herein or the context otherwise requires, used herein as defined therein.
 WHEREAS, the parties hereto have entered into the Credit Agreement, which provides for the Banks to extend certain credit facilities to the Company from time to time;
and
 WHEREAS, the parties hereto desire to amend the Credit Agreement in certain respects as hereinafter set forth;
 NOW, THEREFORE, in consideration of the premises and for other good and valuable consideration (the receipt and sufficiency of which are hereby acknowledged), the parties hereto agree as
follows:
 SECTION 1.              AMENDMENTS.
 (a)                The definition of “Other Credit Agreement” in Section 1.1 of the Credit Agreement is hereby amended and restated in its entirety to read as follows
 ““Other Credit Agreement” means the 364-Day Credit Agreement, dated October 31, 2000, as amended, among the Company, certain banks, Citicorp USA, Inc. and Wachovia Bank, N.A., as
Co-Syndication Agents, Fleet National Bank, as Documentation Agent and the Bank of America, as Administrative Agent.”
 (b)               The definition of “Senior Debt to Statutory EBIT Ratio” in Section 1.1 of the Credit Agreement is hereby amended and
restated in its entirety to read as follows:
 ““Senior Debt to Statutory EBIT Ratio” means at any
fiscal quarter end, the ratio of the Senior Debt of the Company and its Subsidiaries on a consolidated basis at such fiscal quarter end to the Statutory EBIT of the Insurance Subsidiaries on a combined basis for the four quarter period then ending,
provided, however, (i) for the period ending on September 30, 2002, the Statutory EBIT component of the ratio shall be calculated by multiplying the
Statutory EBIT for the quarter period then ending times four, (ii) for the period ending on December 31, 2002, the Statutory EBIT component of the ratio shall be calculated by multiplying the Statutory EBIT of the two quarter period then ending
times two, and (iii) for the period ending on March 31, 2003, the Statutory EBIT component of the ratio shall be calculated by multiplying the Statutory EBIT of the three quarter period then ending
times one and one-third.”
 (c)                Section 7.10(c) of the Credit Agreement is hereby amended and restated in its entirely to read as follows:
 
 

  “(c)              The
Company shall not permit its Senior Debt to Statutory EBIT Ratio to be greater than:
 6.00 to 1.00 for the fiscal quarter ending on September 30,
2002
 5.50 to 1.00 for the fiscal quarter ending on December 31, 2002
 5.25 to 1.00 for the fiscal quarter ending on March 31, 2003
 5.00 to 1.00 for the fiscal quarter ending on June 30, 2003
 4.75 to 1.00 for the fiscal quarter ending on September 30, 2003 
 4.25 to 1.00 for the
fiscal quarter ending on December 31, 2003 
 4.00 to 1.00 at each fiscal quarter end thereafter.”
 SECTION 2.              WAIVER; LIMITATION OF WAIVER.
 (a)                The Banks hereby waive the right to
require compliance by the Company with the requirements of Section 7.10(c) of the Credit Agreement for the period from April 1, 2002 to June 30, 2002.
 (b)               The waiver set forth herein shall be limited to their terms and shall not constitute a waiver of any other
rights the Banks may have from time to time, including the right, upon the occurrence of an Event of Default other than the breach of any agreement specifically waived hereunder, to accelerate the maturity of the Loans and all payments, including
interest payment, with respect thereto.
 SECTION 3.              CONDITIONS PRECEDENT. This Agreement shall become effective when each of the conditions precedent set forth in this Section 3 shall have been satisfied, and notice thereof shall have been given by the Agent to the Company and the Banks.
 (a)                Receipt of Documents. The Agent shall have received this Agreement, duly
executed by the Company, the Agent and the Required Banks.
 (b)               Fees. The Company shall have paid an amendment fee to each Bank executing and delivering this Agreement
before 12:00 p.m. Tuesday, August 13, 2002, equal to (i) $125,000 multiplied by (ii) the percentage equivalent (expressed as a decimal, rounded to the ninth decimal place) as of the date hereof of such Bank’s Commitment divided by the combined
Commitments of each signing Bank.
 SECTION 4.              REPRESENTATIONS AND WARRANTIES. To induce the Banks and the Agent to enter into this Agreement, the Company hereby reaffirms, as of the
date hereof, its representations and warranties contained in the Credit Agreement, as hereby amended, and the Company additionally represents and warrants to the Agent and each Bank as follows:
 (a)                Due Authorization, Non-Contravention, etc. The execution, delivery and performance by the Company of this Agreement are within the Company’s corporate powers, have been duly authorized by all necessary corporation action, and do not contravene the
 
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  Company’s Organization Documents; contravene any contractual restriction, law or governmental regulation or court decree or order binding on or
affecting the Company; or result in, or require the creation or imposition of, any Lien on any of the Company’s properties.
 (b)               Governmental Approval, Regulation, etc. No authorization or approval or other action by, and no notice to
or filing with, any governmental authority or regulatory body or other Person is required for the due execution, delivery or performance by the Company of this Agreement.
 (c)                Validity, etc. This Agreement constitutes the legal,
valid and binding obligation of the Company enforceable in accordance with its terms, except to the extent enforceability thereof is limited by bankruptcy, insolvency or other laws relating to, or affecting enforcement of, creditors’ rights in
general, and general principles of equity.
 SECTION 5.              MISCELLANEOUS.
 (a)                Continuing Effectiveness, etc. This Agreement shall be deemed to be an amendment to the Credit
Agreement, and the Credit Agreement, as amended hereby, shall remain in full force and effect and is hereby ratified, approved and confirmed in each and every respect. After the effectiveness of this Agreement in accordance with its terms, all
references to the Credit Agreement in the Loan Documents or in any other document, instrument, agreement or writing shall be deemed to refer to the Credit Agreement as amended hereby.
 (b)               Payment of Costs and Expenses. The Company agrees to pay on
demand all expenses of the Agent (including the fees and out-of-pocket expenses of counsel to the Agent) in connection with the negotiation, preparation, execution and delivery of this Agreement.
 (c)                Severability. Any provision of
this Agreement which is prohibited or unenforceable in any jurisdiction shall, as to such provision and such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions of this
Agreement or affecting the validity or enforceability of such provision in any other jurisdiction.
 (d)               Headings. The various headings of this Agreement are inserted for convenience only and shall not affect
the meaning or interpretation of this Agreement or any provisions hereof.
 (e)                Execution in Counterparts. This Agreement may be executed by the parties hereto in several
counterparts, each of which shall be deemed to be an original and all of which shall constitute together but one and the same agreement.
 (f)                Governing Law. THIS AGREEMENT SHALL BE DEEMED TO BE A CONTRACT MADE UNDER
AND GOVERNED BY THE INTERNAL LAWS OF THE STATE OF NEW YORK.
 (g)               Successors and Assigns. This Agreement shall be binding upon and shall inure to the benefit of the
parties hereto and their respective successors and assigns.
 
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  IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed by their proper and duly authorized officers as of
the day and year first above written.
  

	  
 	  
 	  
 	 UNUMPROVIDENT CORPORATION
 
	  
 	  
 	  
 	  
 	 By: 
 	 
 
 /s/ ROBERT C. GREVING
 
	  
 	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	  
 	 Name: 
 	 Robert C. Greving
 
	  
 	  
 	  
 	  
 	 Title: 
 	 Senior Vice President & Chief
    Financial
Officer
 

 
 

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

	  
 	  
 	  
 	 BANK OF AMERICA, N.A., as Agent and as a Bank
 
	  
 	  
 	  
 	 By: 
 	 
 /s/ MEHUL D. MEHTA
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	 Mehul D. Mehta
 
	  
 	  
 	  
 	 Title: 
 	 Principal
 

 
  
 
 

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

	  
 	  
 	  
 	 CITICORP USA, INC.
 
	  
 	 
 
 
 	  
 	 By: 
 	 
 /s/ DAVID A. DODGE
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	 David A. Dodge
 
	  
 	  
 	  
 	 Title: 
 	 Managing Director
 

 
  
 
 

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

	  
 	  
 	  
 	 WACHOVIA BANK, N.A.
 
	  
 	  
 	  
 	 By: 
 	 
 /s/ M. EUGENE WOOD, III
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	 M. Eugene Wood, III
 
	  
 	  
 	  
 	 Title: 
 	 Director
 

 
  
 
 

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

	  
 	  
 	  
 	 FLEET NATIONAL BANK
 
	  
 	  
 	  
 	 By: 
 	 
 /s/ HOLLY A. O’NEILL
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	 Holly A. O’Neill
 
	  
 	  
 	  
 	 Title: 
 	 Director
 

 
  
 
 

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

	  
 	  
 	  
 	 BANK ONE, NA
 
	  
 	  
 	  
 	 By: 
 	 
 
 
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	  
 
	  
 	  
 	  
 	 Title: 
 	  
 

 
  
 
 

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

	  
 	  
 	  
 	 JPMORGAN CHASE BANK
 
	  
 	  
 	  
 	 By: 
 	 
 /s/ HEATHER A. LINDSTROM
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	 Heather A. Lindstrom
 
	  
 	  
 	  
 	 Title: 
 	 Vice President
 

 
 
 

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

	  
 	  
 	  
 	 AMSOUTH BANK
 
	  
 	  
 	  
 	 By: 
 	 
 /s/ TRACY BROWN
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	 Tracy Brown
 
	  
 	  
 	  
 	 Title: 
 	 Vice President
 

  

 

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

	  
 	  
 	  
 	 BANK OF TOKYO - MITSUBISHI TRUST
 COMPANY
 
	  
 	  
 	  
 	 By: 
 	 
 
 
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	  
 
	  
 	  
 	  
 	 Title: 
 	  
 

  
 
 

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

	  
 	  
 	  
 	 THE DAI - ICHI KANGYO BANK, LTD
 
	  
 	  
 	  
 	 By: 
 	 
 
 
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	  
 
	  
 	  
 	  
 	 Title: 
 	  
 

  
 
 

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

	  
 	  
 	  
 	 LLOYDS TSB BANK PLC
 
	  
 	  
 	  
 	 By: 
 	 
 /s/ MATTHEW S. R. TUCK
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	 Matthew S. R. Tuck
 
	  
 	  
 	  
 	 Title: 
 	 Vice President Financial institution, U.S.A
 

   

	  
 	  
 	  
 	  
 
	  
 	  
 	  
 	 By: 
 	 
 /s/ PAUL D. BRIAMONTE
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	 Paul D. Briamonte
 
	  
 	  
 	  
 	 Title: 
 	 Director Project Finance (U.S.A)
 

  

 

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

	  
 	  
 	  
 	 ROYAL BANK OF CANADA
 
	  
 	  
 	  
 	 By: 
 	 
 /s/ GABRIELLA KING
 
	  
 	  
 	  
 	  
 	 
 
	  
 	  
 	  
 	 Name: 
 	 Gabriella King
 
	  
 	  
 	  
 	 Title: 
 	 Senior Manager

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