Document:

EXHIBIT 10.1

                             FOURTH AMENDMENT TO
                         LOAN AND SECURITY AGREEMENT
                         ---------------------------

      THIS  FOURTH  AMENDMENT  TO   LOAN  AND  SECURITY  AGREEMENT   ("Fourth
 Amendment") is made as of the 19th day of September, 2003 by and among  Home
 Products International-North America, Inc. ("Borrower"), the lenders who are
 signatories hereto  ("Lenders"),  and  Fleet Capital  Corporation,  a  Rhode
 Island corporation ("FCC"),  as agent for  Lenders hereunder  (FCC, in  such
 capacity, being "Agent").

                             W I T N E S S E T H:
                             --------------------

      WHEREAS, Borrower, Agent and  Lenders entered into  a certain Loan  and
 Security Agreement dated as of October  31, 2001 as amended by that  certain
 First Amendment to  Loan and Security  Agreement dated June  1, 2003 by  and
 among Borrower, Agent and  Lenders and by that  certain Second Amendment  to
 Loan and Security Agreement dated July 31, 2003 by and among Borrower, Agent
 and Lenders  and  by that  certain  Third  Amendment to  Loan  and  Security
 Agreement dated as of July 31, 2003 by and among Borrower, Agent and Lenders
 (said Loan and Security Agreement, as so amended, is hereinafter referred to
 as the "Loan Agreement"); and

      WHEREAS, Borrower desires to amend and modify certain provisions of the
 Loan Agreement  and, subject  to the  terms hereof,  Agent and  Lenders  are
 willing to agree to such amendments and modifications;

      NOW THEREFORE, in consideration of  the premises, the mutual  covenants
 and agreements herein contained, and any extension of credit heretofore, now
 or hereafter made  by Agent  and Lenders  to Borrowers,  the parties  hereto
 hereby agree as follows:

    1.  Definitions.     Except  as  otherwise   provided  for  herein,   all
 capitalized terms  used herein  without definition  shall have  the  meaning
 given to them in the Loan Agreement.

    2.  Exhibit  8.3.  Exhibit 8.3  to the Loan  Agreement is hereby  deleted
 and Exhibit 8.3 attached hereto is inserted in its stead.

    3.  Amendment  Fee.  In order to induce  Agent and Lenders to enter  into
 this Fourth Amendment, Borrower shall pay  to Agent for the ratable  benefit
 of Lenders an amendment fee of $20,000, which amendment fee shall be  earned
 and due and payable on the date hereof.

    4.  Execution in Counterparts.  This Fourth Amendment may be executed  in
 any number  of counterparts  and by  different  parties hereto  in  separate
 counterparts, each of  which shall be  deemed an original  but all of  which
 together shall constitute one and the same instrument.

    5.  Conditions Precedent.   This Fourth Amendment shall become  effective
 on the satisfaction of each of the following conditions precedent:

         (a)  Borrower, Agent  and Lenders shall have executed and  delivered
 to each other this Fourth Amendment; and

         (b)  Borrower shall  have paid to Agent, for the ratable benefit  of
 Lenders, the $20,000 amendment fee.

           The  date  on  which  all  of  the  conditions  precedent  to  the
 effectiveness of  this Fourth  Amendment have  been satisfied  or waived  is
 hereinafter referred to as the "Fourth Amendment Effective Date."

    6.  Continuing Effect.  Except as otherwise specifically set out  herein,
 the provisions of the Loan Agreement shall remain in full force and effect.

                             (Signature Page Follows)

<PAGE>

        (Signature Page to Fourth Amendment to Loan and Security Agreement)

      IN WITNESS WHEREOF, this Fourth Amendment has been duly executed as  of
 the day and year specified at the beginning hereof.

                                     HOME PRODUCTS
                                     INTERNATIONAL-NORTH AMERICA, INC.
                                     ("Borrower")

                                     By: /s/ James E. Winslow
                                     ---------------------------
                                     Name: James E. Winslow
                                     ---------------------------
                                     Title: Executive V.P. & CFO
                                     ---------------------------

                                     FLEET CAPITAL CORPORATION,
                                     ("Agent" and a "Lender")

                                     By: /s/ Alan R. Meier
                                     ---------------------------
                                     Name: Alan R. Meier
                                     ---------------------------
                                     Title: Executive V.P.
                                     ---------------------------

 CONSENTED AND AGREED TO
 this 19th day of September, 2003.

 HOME PRODUCTS INTERNATIONAL, INC.

 By: /s/ James E. Winslow
 ---------------------------
 Name: James E. Winslow
 Title: Executive V.P. & CFO

<PAGE>

                                 EXHIBIT 8.3

                             FINANCIAL COVENANTS

      DEFINITIONS

      Consolidated Net Income  -  with respect to any fiscal period, the  net
 income (or  loss)  of Borrower  determined  in  accordance with  GAAP  on  a
 Consolidated basis;  provided, however,  Consolidated Net  Income shall  not
 include:  (a) the income (or loss) of any Person (other than a subsidiary of
 Borrower) in which Borrower or any  of its wholly-owned subsidiaries has  an
 ownership interest unless received in a  cash distribution or requiring  the
 payment of cash; (b) the income (or loss) of any Person accrued prior to the
 date it became a  Subsidiary of Borrower or  is merged into or  consolidated
 with Borrower; (c) all amounts included in determining net income (or  loss)
 in respect of the write-up of assets on or after the Closing Date, including
 the subsequent amortization or  expensing of the  written-up portion of  the
 assets; (d)  extraordinary gains  as defined  under GAAP  and  extraordinary
 losses pursuant  to the  extinguishment  of debt,  net  of the  related  tax
 effects; and (e) gains (or losses) from asset dispositions (other than sales
 of inventory).

      Consolidated EBITDA - for any period, Consolidated Net Income for  such
 period plus, without duplication and to the extent reflected as a charge  in
 the statement of such  Consolidated Net Income for  such period, the sum  of
 (a) income tax expense,  (b) interest expense,  amortization or writeoff  of
 debt discount and debt issuance costs  and commissions, discounts and  other
 fees and charges associated with Money  Borrowed (including the Loans),  (c)
 depreciation and  amortization  expense,  (d)  amortization  of  intangibles
 (including, but not limited  to, goodwill) and  organization costs, (e)  any
 extraordinary, unusual  or  non-recurring  expenses  or  losses  (including,
 whether or not otherwise includable as  a separate item in the statement  of
 such Consolidated Net Income  for such period, non-cash  losses on sales  of
 assets outside of the ordinary course  of business), (f) any other  non-cash
 charges (including, without limitation, the amount of any non-cash deduction
 to Consolidated Net Income as a result of any grant to members of management
 of any capital stock of the Borrower), and (g) to the extent not included in
 item (e)  above,  charges or  expenses  incurred as  a  result of  plant  or
 facility closures, and minus to the extent included in the statement of such
 Consolidated Net Income for such period,  the sum of (a) any  extraordinary,
 unusual  or  non-recurring  income  or  gains  (including,  whether  or  not
 otherwise  includable  as  a  separate  item   in  the  statement  of   such
 Consolidated Net  Income for  such  period, gains  on  the sales  of  assets
 outside of the  ordinary course  of business),  and (b)  any other  non-cash
 income, all as determined on a consolidated basis.

      Cash Interest Coverage Ratio - with  respect to any fiscal period,  the
 ratio of  (i) Consolidated  EBITDA for  such period  to (ii)  Cash  Interest
 Expense, all as determined in accordance with GAAP.

      Cash Interest Expense - with respect to any fiscal period, that portion
 of the  interest  expense incurred  for  such  period payable  in  cash,  as
 determined in accordance with GAAP.

      Fixed Charge Coverage Ratio - with respect to any period, the ratio  of
 (i) Consolidated EBITDA for such period  minus the sum of (a) any  provision
 for income taxes payable  in cash and included  in the determination of  net
 earnings for such period plus  (b) non-financed Capital Expenditures  during
 such period, to (ii) Fixed Charges for  such period, all as determined on  a
 Consolidated basis and in accordance with GAAP.

      Fixed Charges - with respect to any period, the sum of:  (i)  scheduled
 principal payments required  to be  made during  such period  in respect  to
 Indebtedness  for  Money  Borrowed  (including  the  principal  portion   of
 Capitalized Lease Obligations and scheduled principal payments on the Senior
 Subordinated Notes), plus (ii) Cash Interest  Expense for such period,  plus
 (iii)  Distributions  made  by  Borrower  within  such  period,  plus  (iii)
 $1,200,000, all  as  determined  for Borrower  and  its  Subsidiaries  on  a
 Consolidated basis and in accordance with GAAP.

      COVENANTS

      Gross Availability  -  Borrower  shall  maintain  at  all  times  Gross
 Availability of  at  least  Seven  Million  Five  Hundred  Thousand  Dollars
 ($7,500,000); provided that if on January 31, 2004 Borrower, either directly
 or  indirectly  through  Parent,  has  repurchased,  redeemed  or  otherwise
 retired  less than Ten Million Dollars ($10,000,000) in principal of  Senior
 Subordinated Notes, then Borrower shall maintain at all times after February
 1, 2004 Gross Availability of at least the lesser of (i) Ten Million Dollars
 ($10,000,000)  and  (ii)  Seven   Million  Five  Hundred  Thousand   Dollars
 ($7,500,000) plus 50%  of the excess  of Ten  Million Dollars  ($10,000,000)
 over the aggregate amount paid in connection with the repurchase, redemption
 or other  retirement  of  Senior  Subordinated  Notes  by  Borrower  (either
 directly  or  indirectly  through  Parent)  between  the  Second   Amendment
 Effective Date and January 31, 2004.

      Cash Interest  Coverage Ratio  -  Borrower  shall  not permit  the Cash
 Interest Coverage Ratio for any fiscal  period listed below to be less  than
 the ratio set forth opposite such fiscal period in the following schedule:

                Fiscal Period                  Cash Interest Coverage Ratio
                -------------                  ---------------------------
   October 1, 2001 to December 31, 2001                  0.8 to 1

   October 1, 2001 to March 31, 2002                     0.9 to 1

   October 1, 2001 to June 30, 2002                     1.05 to 1

   October 1, 2001 to September 30, 2002                1.25 to 1
   and each four consecutive fiscal quarters
   ending on or about December 31, 2002,
   March 31, 2003 and June 30, 2003

   Four consecutive fiscal quarters ending               .70 to 1
   on or about September 30, 2003,
   December 31, 2003 and March 31, 2004

   Four consecutive fiscal quarters ending               .80 to 1
   on or about June 30, 2004

   Four consecutive fiscal quarters ending               .90 to 1
   on or about September 30, 2004

   Four consecutive fiscal quarters ending               1.0 to 1
   on or about December 31, 2004

   Four consecutive fiscal quarters ending               1.1 to 1
   on or about March 31, 2005

   Four consecutive fiscal quarters ending              1.25 to 1
   on or about June 30, 2005 and each
   September 30, December 31, March 31
   and June 30 thereafter<PAGE>
                                                                     Exhibit 4.1

                          SUPPLEMENTAL INDENTURE NO. 5

                                 BY AND BETWEEN

                             HEALTH CARE REIT, INC.

                                       AND

                                FIFTH THIRD BANK

                            AS OF SEPTEMBER 10, 2003

            SUPPLEMENTAL TO THE INDENTURE DATED AS OF APRIL 17, 1997

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

                             HEALTH CARE REIT, INC.

                              8.09% Notes due 2004
                              8.17% Notes due 2006
                              7.50% Notes due 2007
                              7.625% Notes due 2008

<PAGE>

         This Supplemental Indenture No. 5 ("Supplemental Indenture") is made
and entered into as of September 10, 2003, 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").

                              W I T N E S S E T H:

         WHEREAS, the Company and the Trustee executed and delivered an
Indenture, dated as of April 17, 1997 (as amended, supplemented or otherwise
modified from time to time, the "Indenture") to provide for the future issuance
of the Company's debt securities (the "Securities") to be issued from time to
time in one or more series;

         WHEREAS, pursuant to the terms of the Indenture, the Company and the
Trustee executed and delivered (a) the First Supplemental Indenture, dated as of
April 17, 1997, to provide for the establishment of a series of its Securities,
to be known as its 8.09% Notes due 2004; (b) the Second Supplemental Indenture,
dated as of March 13, 1998, to provide for the establishment of a series of its
Securities, to be known as its 7.625% Notes due 2008; (c) the Third Supplemental
Indenture, dated as of March 18, 1999, to provide for the establishment of a
series of its Securities, to be known as its 8.17% Notes due 2006; and (d) the
Fourth Supplemental Indenture, dated as of August 10, 2001, to provide for the
establishment of a series of its Securities, to be known as its 7.50% Notes due
2007 (each as amended, supplemented or otherwise modified from time to time,
collectively the "Existing Supplemental Indentures");

         WHEREAS, pursuant to the terms of the Indenture and the Existing
Supplemental Indentures, the Company and Trustee wish to amend certain covenants
contained in the Existing Supplemental Indentures and Holders of not less than a
majority in principal amount of the Outstanding Securities have consented to
such amendments as required by Section 902 of the Indenture, subject to the
terms and conditions hereinafter set forth; and

         WHEREAS, all capitalized terms used herein which are not otherwise
defined herein shall have the respective meanings ascribed thereto in the
Indenture and Existing Supplemental Indentures.

         NOW, THEREFORE, THIS SUPPLEMENTAL INDENTURE WITNESSETH:

     ARTICLE 1. AMENDMENTS TO EXISTING SUPPLEMENTAL INDENTURES.

     Section 1.1 Each of the Existing Supplemental Indentures are hereby amended
as follows:

                    (a) Section 1.2 is hereby amended to include the following
               additional defined terms:

               "Cash" means as to any Person, such Person's cash and cash
               equivalents, as defined in accordance with GAAP consistently
               applied.

<PAGE>

               "Total Assets" means on any date, the consolidated total assets
               of the Company and its Subsidiaries, as such amount would appear
               on a consolidated balance sheet of the Company prepared as of
               such date in accordance with GAAP.

               "Total Unencumbered Assets" means on any date, net real estate
               investments (valued on a book basis) of the Company and its
               Subsidiaries that are not subject to any Lien which secures
               indebtedness for borrowed money of any of the Company and its
               Subsidiaries plus, without duplication, loan loss reserves
               relating thereto, accumulated depreciation thereon plus Cash, as
               all such amounts would appear on a consolidated balance sheet of
               the Company prepared as of such date in accordance with GAAP.

               "Unsecured Debt" means Funded Indebtedness less Indebtedness
               secured by Liens on the property or assets of the Company and its
               subsidiaries.

               "Funded Indebtedness" means as of any date of determination
               thereof, (i) all Indebtedness of any Person, determined in
               accordance with GAAP, which by its terms matures more than one
               year after the date of calculation, and any such Indebtedness
               maturing within one year from such date which is renewable or
               extendable at the option of the obligor to a date more than one
               year from such date, and (ii) the current portion of all such
               Indebtedness.

                    (b) Subsection 2.4(a)(i) is deleted in its entirety and the
               following is substituted therefor:

                    (i) Liens securing obligations that do not in the aggregate
               at any one time outstanding exceed 40% of the sum of (i) the
               Total Assets of the Company and its consolidated subsidiaries as
               of the end of the calendar year or quarter covered in the
               Company's Annual Report on Form 10-K or Quarterly Report on Form
               10-Q, as the case may be, most recently filed with the Commission
               (or, if such filing is not permitted under the Exchange Act, with
               the Trustee) prior to the incurrence of such additional Liens and
               (ii) the purchase price of any real estate assets or mortgages
               receivable acquired, and the amount of any securities offering
               proceeds received (to the extent that such proceeds were not used
               to acquire real estate assets or mortgages receivable or used to
               reduce Indebtedness), by the Company or any Subsidiary since the
               end of such calendar quarter, including those proceeds obtained
               in connection with the incurrence of such additional Liens;

                    (c) Subsection 2.4(b) is deleted in its entirety and the
               following is substituted therefor:

               (b) The Company will not create, assume, incur, or otherwise
               become liable in respect of, any Indebtedness if the aggregate
               outstanding principal amount of Indebtedness of the Company and
               its consolidated subsidiaries is, at the time of such creation,
               assumption or incurrence and after giving effect thereto and to
               any concurrent transactions, greater than 60% of the sum of (i)
               the Total Assets of the Company and its consolidated subsidiaries
               as of the end of the calendar year or quarter covered in the
               Company's Annual Report on Form 10-K or Quarterly Report on Form
               10-Q, as the case may be, most recently filed

                                       2
<PAGE>

               with the Commission (or, if such filing is not permitted under
               the Exchange Act, with the Trustee) prior to the incurrence of
               such additional Indebtedness and (ii) the purchase price of any
               real estate assets or mortgages receivable acquired, and the
               amount of any securities offering proceeds received (to the
               extent that such proceeds were not used to acquire real estate
               assets or mortgages receivable or used to reduce Indebtedness),
               by the Company or any Subsidiary since the end of such calendar
               quarter, including those proceeds obtained in connection with the
               incurrence of such additional Indebtedness.

                    (d) Subsection 2.4(d) is deleted in its entirety and the
               following is substituted therefor:

               (d) The Company will maintain as of the last day of each of the
               Company's fiscal quarters, Total Unencumbered Assets of not less
               than 150% of the aggregate outstanding principal amount of the
               Unsecured Debt of the Company and its Subsidiaries on a
               consolidated basis.

                    (e) A new subsection 2.4(e) is added reading as follows:

               (e) For purposes of this Section 2.4, Indebtedness and Debt shall
               be deemed to be "incurred" by the Company or a Subsidiary
               whenever the Company or such Subsidiary shall create, assume,
               guarantee or otherwise become liable in respect thereof.

     ARTICLE 2. EFFECTIVENESS.

     SECTION 2.1 This Supplemental Indenture shall be effective for all purposes
as of the date and time this Supplemental Indenture has been executed and
delivered by the Company and the Trustee in accordance with Article Nine of the
Indenture. As supplemented and amended hereby, the Indenture and Existing
Supplemental Indentures are hereby confirmed as being in full force and effect.

     ARTICLE 3. MISCELLANEOUS.

     SECTION 3.1 In the event any provision of this Supplemental Indenture shall
be held invalid or unenforceable by any court of competent jurisdiction, such
holding shall not invalidate or render unenforceable any other provisions hereof
or any provisions of the Indenture or Existing Supplemental Indentures.

     SECTION 3.2 To the extent any terms of this Supplemental Indenture are
inconsistent with the terms of the Indenture or Existing Supplemental
Indentures, the terms of this Supplemental Indenture shall govern and supercede
such inconsistent terms.

     SECTION 3.3 This Supplemental Indenture shall be governed by and construed
in accordance with the laws of the State of Delaware.

     SECTION 3.4 This Supplemental Indenture 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.

                                       3
<PAGE>

     IN WITNESS WHEREOF, the Company and the Trustee have caused this
Supplemental Indenture 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:  /s/ George L. Chapman
                                  ---------------------------------------------
                             Name:  George L. Chapman
                             Title: Chairman and Chief Executive Officer

                             FIFTH THIRD BANK, as Trustee

                             By:  /s/ Christine M. Schaub
                                  ---------------------------------------------
                             Name:  Christine M. Schaub
                             Title: Vice President

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