Document:

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EXHIBIT 10.24

                                 AMENDMENT NO. 1
                                     TO THE
                           CHARTER ONE FINANCIAL, INC.
                      1997 STOCK OPTION AND INCENTIVE PLAN
               (AS AMENDED AND RESTATED EFFECTIVE APRIL 23, 2002)

      WHEREAS, Charter One Financial, Inc., a Delaware corporation (the
"Company") amended and restated the Charter One Financial, Inc. 1997 Stock
Option and Incentive Plan effective as of April 23, 2002 (the "Plan"); and

      WHEREAS, the Company desires to further amend the Plan to prohibit the
repricing, or cancellation and replacing, of Awards under the Plan without
shareholder approval; and

      WHEREAS, Section 13 of the Plan authorizes the Board of Directors of the
Company to amend the Plan at any time.

      NOW THEREFORE, the Plan is hereby amended as follows:

      1. Section 13(b) of the Plan is amended deleting the existing paragraph in
its entirety and substituting in lieu thereof the revised paragraph, as follows:

                  (b) The Committee may waive any conditions of or rights of the
      Corporation or modify or amend the terms of any outstanding Award;
      however, the Committee may not (i) amend, alter, suspend, discontinue or
      terminate any outstanding Award without the consent of the Participant or
      holder thereof, except as otherwise herein provided, or (ii) reprice or,
      cancel and replace, any Awards under the Plan without prior shareholder
      approval.

      2. THIS AMENDMENT IS EFFECTIVE AND SHALL BE DEEMED PART AND PARCEL OF THE
PLAN AS OF JANUARY 21, 2003, THE DATE OF ITS ADOPTION BY THE BOARD.

      3. TO THE EXTENT THAT ANY PROVISION CONTAINED IN THIS AMENDMENT IS
INCONSISTENT WITH ANY OF THE TERMS, PROVISIONS OR CONDITIONS OF THE PLAN, THE
TERMS, PROVISIONS AND CONDITIONS OF THIS AMENDMENT SHALL BE DEEMED CONTROLLING.
Capitalized terms used but not defined herein shall have the meaning assigned to
them in the Plan.<PAGE>

                                                                     EXHIBIT 4.1

                               AMENDMENT NO. 1 TO

                          SUPPLEMENTAL INDENTURE NO. 1

                                 by and between

                             HEALTH CARE REIT, INC.

                                       and

                                FIFTH THIRD BANK

                              As of March 12, 2003

           SUPPLEMENTAL TO THE INDENTURE DATED AS OF SEPTEMBER 6, 2002

                       -----------------------------------

                             HEALTH CARE REIT, INC.

                           8.0% Senior Notes due 2012

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     This AMENDMENT NO. 1 to SUPPLEMENTAL INDENTURE NO. 1 (this "Amendment No.
1") is made and entered into as of March 12, 2003 by and between HEALTH CARE
REIT, INC., a Delaware real estate investment trust (the "Company"), and FIFTH
THIRD BANK, an Ohio banking corporation, as Trustee (the "Trustee").

                                WITNESSETH THAT:

     WHEREAS, the Company and the Trustee have executed and delivered an
Indenture, dated as of September 6, 2002 (as amended, supplemented or otherwise
modified from time to time, the "Base Indenture" and, together with Supplemental
Indenture No. 1, dated as of September 6, 2002 ("Supplemental Indenture No. 1"),
as amended by this Amendment No. 1 and as further amended, supplemented or
otherwise modified from time to time, the "Indenture") to provide for the
issuance of the Company's senior debt securities (the "Securities") to be issued
from time to time in one or more series; and

     WHEREAS, pursuant to the terms of the Base Indenture and Supplemental
Indenture No. 1, the Company established and issued a series of its Securities
designated as its 8.0% Senior Notes due 2012 (the "Notes") in the initial
aggregate principal amount of $150,000,000, subject to the right of the Company
to reopen such series for issuances of additional securities of such series; and

     WHEREAS, the Company desires to reopen such series and issue $100,000,000
aggregate principal amount of additional Notes which will constitute a further
issuance of, and will be consolidated with, the Notes so as to form a single
series therewith, and will have the same CUSIP number and same terms as the
Notes.

     NOW, THEREFORE, THIS AMENDMENT NO. 1 WITNESSETH:

     Pursuant to terms of the Base Indenture and Supplemental Indenture No. 1,
the series of Notes established by the Supplemental Indenture No. 1 is hereby
reopened and there is hereby authorized for issuance, authentication and
delivery $100,000,000 aggregate principal amount of additional Notes (the
"Additional Notes") of the same series as the Notes initially issued under the
Supplemental Indenture No. 1, and in consideration of the premises and the
purchase and acceptance of the Additional Notes by the Holders thereof, the
Company mutually covenants and agrees with the Trustee, for the equal and
proportionate benefit of all Holders of the Notes, that the Supplemental
Indenture No. 1 is hereby supplemented and amended, to the extent and for the
purposes expressed herein, as follows:

                                   ARTICLE 1
                   AMENDMENTS TO SUPPLEMENTAL INDENTURE NO. 1

     SECTION 1.1 The Supplemental Indenture No. 1 is hereby amended and
supplemented as follows:

                                       2
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     (a) The series of Notes established by the Supplemental Indenture No. 1 is
hereby reopened for the issuance of Additional Notes in an aggregate principal
amount of $100,000,000, which shall constitute a further issuance of, and will
be consolidated with, the Notes so as to form a single series with the Notes,
with the same CUSIP number as the Notes, and shall have the same terms as the
Notes, except that the Additional Notes will be issued on March 17, 2003, and
interest on the Additional Notes shall accrue from March 12, 2003. The form of
the Notes, including the Additional Notes, are set forth in the Supplemental
Indenture No. 1, and such form with respect to the Additional Notes may contain
such changes as may be appropriate to reflect the issuance of the Additional
Notes and the amendment of the Supplemental Indenture No. 1 by this Amendment
No. 1.

     (b) All references to the Notes in the Supplemental Indenture No. 1 and the
form of the Notes set forth in the Supplemental Indenture No. 1 shall be
amended, supplemented and deemed to include the Additional Notes issued
hereunder, except that the date of issuance of, and the date from which interest
will begin to accrue on, the Additional Notes shall be as set forth in this
Amendment No. 1.

     (c) The Additional Notes shall be subject to, and be entitled to the
benefits of the Supplemental Indenture No. 1, as amended hereby, except that the
date of issuance of, and the date from which interest will begin to accrue on,
the Additional Notes shall be as set forth in this Amendment No. 1.

                                    ARTICLE 2

                                  EFFECTIVENESS

     SECTION 2.1 This Amendment No. 1 shall be effective for all purposes as of
the date and time this Amendment No. 1 has been executed and delivered by the
Company and the Trustee in accordance with Article Nine of the Indenture. As
supplemented hereby, the Indenture is hereby confirmed as being in full force
and effect.

                                    ARTICLE 3

                                  MISCELLANEOUS

     SECTION 3.1 Unless otherwise provided in this Amendment No. 1, all defined
terms used in this Amendment No. 1 shall have the meanings assigned to them in
the Supplemental Indenture No. 1.

     SECTION 3.2 In the event any provision of this Amendment No. 1 shall be
held invalid or unenforceable by any court of competent jurisdiction, such
holding shall not invalidate or render unenforceable any other provision hereof
or any provision of the Indenture.

     SECTION 3.3 To the extent that any term of this Amendment No. 1 or the
Notes (including the Additional Notes) are inconsistent with the terms of the
Indenture, the terms of this

                                       3
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Amendment No. 1 or the Notes (including the Additional Notes) shall govern and
supersede such inconsistent terms.

     SECTION 3.4 This Amendment No. 1 shall be governed by and construed in
accordance with the laws of the State of Delaware.

     SECTION 3.5 This Amendment No. 1 may be executed in several counterparts,
each of which shall be an original and all of which shall constitute but one and
the same instrument.

     IN WITNESS WHEREOF, the Company and the Trustee have caused this Amendment
No. 1 to be executed as an instrument under seal in their respective corporate
names as of the date first above written.

                                   HEALTH CARE REIT, INC.

                                   By:
                                       -----------------------------------------
                                   Name:
                                   Title:

                                   FIFTH THIRD BANK, as Trustee

                                   By:
                                       -----------------------------------------
                                   Name:
                                   Title:

                                       4<PAGE>
Exhibit No. 4(A)

May 7, 1997

Mr. Robert E. Little
National City Bank
1900 East 9th Street
Cleveland, OH  44114

Dear Mr. Little:

Per our discussion, the Progressive Corporation hereby accepts the terms for the
unsecured line of credit for ten million dollars ($10,000,000.00) as of May 1,
1997.

Terms of the line are as follows:

      -     1/8 of 1% Commitment Fee

      -     Borrowings options include Base rate, Libor + 3/8% (reserve adjusted
            or money market rate.

      -     The line is subject to annual review.

      -     Progressive will furnish interim and annual audited statements as
            well as Security and Exchange Commission reports and annual
            convention statements.

THE PROGRESSIVE CORPORATION

/s/ Marilyn A. Muzic

Marilyn A. Muzic
Director of Financial Operations

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