FINAL FORM
              _____________________________________________________________________________________
                                            LOAN AGREEMENT 
                                                  By and Among
              THE BORROWER IDENTIFIED ON THE SIGNATUREPAGES HEREOF
                                                   as Borrower,
                                  THE BANK OF NEW YORK MELLON
                                     as Administrative Agent and Collateral Agent,
                                                       and
                     THE UNITED STATES DEPARTMENT OF THE TREASURY
                                                    as Lender
                                      Dated as of the date set forth on Schedule A
              _____________________________________________________________________________________
              095331-0005-11656-Active.11663739
                                               TABLE OF CONTENTS 
                                                                                                  Page
              SECTION 1. DEFINITIONS AND ACCOUNTING MATTERS...........................................................1
                     1.01   Certain Defined Terms................................................................................................... 1
                     1.02   Interpretation, Etc......................................................................................................... 18
                     1.03   Accounting Terms and Determinations......................................................................... 19
              SECTION 2. LOANS, NOTE AND PAYMENTS............................................................................... 19
                     2.01   Loans........................................................................................................................... 19
                     2.02   The Note...................................................................................................................... 19
                     2.03   Procedure for Borrowing.............................................................................................. 20
                     2.04   Limitation on Types of Loans; Illegality....................................................................... 20
                     2.05   Repayment of the Loans; Interest ................................................................................. 21
                     2.06   Prepayments................................................................................................................. 21
                     2.07   Application of Payments and Reinvestment.................................................................. 22
              SECTION 3. PAYMENTS; COMPUTATIONS.................................................................................. 25
                     3.01   Payments...................................................................................................................... 25
                     3.02   Computations............................................................................................................... 25
              SECTION 4. CONDITIONS PRECEDENT........................................................................................ 25
                     4.01   Effective Date Conditions............................................................................................. 25
                     4.02   Conditions to Initial and Subsequent Loans .................................................................. 28
              SECTION 5. REPRESENTATIONS AND WARRANTIES................................................................ 29
                     5.01   Existence...................................................................................................................... 29
                     5.02   Financial Condition...................................................................................................... 29
                     5.03   Litigation..................................................................................................................... 29
                     5.04   No Breach.................................................................................................................... 30
                     5.05   Action, Binding Obligations......................................................................................... 30
                     5.06   Approvals .................................................................................................................... 30
                     5.07   Taxes........................................................................................................................... 30
                     5.08   Investment Company Act............................................................................................. 30
                     5.09   No Default ................................................................................................................... 31
                     5.10   True and Complete Disclosure...................................................................................... 31
                     5.11   Activities...................................................................................................................... 31
                     5.12   ERISA......................................................................................................................... 31
                     5.13   Subsidiaries; Equity Interests........................................................................................ 31
                     5.14   Capitalization............................................................................................................... 31
                     5.15   Ownership of Property; Liens....................................................................................... 32
                     5.16   USA PATRIOT Act..................................................................................................... 32
                     5.17   Embargoed Person ....................................................................................................... 32
                     5.18   Borrowing for Own Benefit; Margin Rules................................................................... 33
                     5.19   Indebtedness ................................................................................................................ 33
                     5.20   Investment Guidelines.................................................................................................. 33
                     5.21   Compliance Rules. ....................................................................................................... 33
              SECTION 6. AFFIRMATIVE COVENANTS..................................................................................... 33
                     6.01   Financial Statements .................................................................................................... 33
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                6.02 Notices of Material Events ........................................................................................... 37
                6.03 Existence; Conduct of Business.................................................................................... 38
                6.04 Payment of and Compliance with Obligations .............................................................. 38
                6.05 Maintenance of Properties............................................................................................ 39
                6.06 Books and Records; Inspection..................................................................................... 39
                6.07 Compliance with Laws................................................................................................. 40
                6.08 Certain Obligations Respecting Subsidiaries; Further Assurances................................. 40
                6.09 Use of Proceeds............................................................................................................ 41
                6.10 Investment Guidelines.................................................................................................. 41
                6.11 OFAC.......................................................................................................................... 41
                6.12 Financing Subsidiaries ................................................................................................. 41
                6.13 Information; Reports.................................................................................................... 41
                6.14 USA PATRIOT Act..................................................................................................... 41
                6.15 Compliance Rules. ....................................................................................................... 42
           SECTION 7. NEGATIVE COVENANTS........................................................................................... 42
                7.01 Indebtedness ................................................................................................................ 42
                7.02 Liens............................................................................................................................ 42
                7.03 Fundamental Changes.................................................................................................. 42
                7.04 Investments.................................................................................................................. 42
                7.05 Restricted Payments..................................................................................................... 42
                7.06 Certain Restrictions on Subsidiaries.............................................................................. 42
                7.07 Transactions with Affiliates.......................................................................................... 43
                7.08 Lines of Business......................................................................................................... 43
                7.09 No Further Negative Pledge ......................................................................................... 43
                7.10 Modifications of Certain Agreements........................................................................... 43
                7.11 Hedge Agreements....................................................................................................... 43
                7.12 Subsidiary Capitalization.............................................................................................. 43
                7.13 Accounts...................................................................................................................... 43
                7.14 Payments...................................................................................................................... 44
                7.15 Embargoed Person ....................................................................................................... 44
           SECTION 8. EVENTS OF DEFAULT................................................................................................ 44
                8.01 Events of Default ......................................................................................................... 44
                8.02 Remedies..................................................................................................................... 46
           SECTION 9. AGENCY PROVISIONS............................................................................................... 46
                9.01 Appointment................................................................................................................ 46
                9.02 Delegation of Duties..................................................................................................... 47
                9.03 Exculpatory Provisions................................................................................................. 47
                9.04 Reliance by Administrative Agent................................................................................ 47
                9.05 Notice of Default.......................................................................................................... 47
                9.06 Non-Reliance on Administrative Agent........................................................................ 48
                9.07 Resignation and Removal of Administrative Agent....................................................... 48
                9.08 Status of Successor Administrative Agent..................................................................... 49
                9.09 Merger of the Administrative Agent............................................................................. 49
                9.10 Other Business Relationships ....................................................................................... 49
                9.11 Register........................................................................................................................ 50
                9.12 Certain Matters Affecting the Administrative Agent..................................................... 50
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               SECTION 10.MISCELLANEOUS....................................................................................................... 50
                      10.01  Amendments and Waivers............................................................................................ 50
                      10.02  Notices......................................................................................................................... 51
                      10.03  No Waiver; Cumulative Remedies................................................................................ 52
                      10.04  Survival ....................................................................................................................... 52
                      10.05  Payment of Expenses, Taxes and Indemnification......................................................... 52
                      10.06  Successors and Assigns................................................................................................ 53
                      10.07  Captions....................................................................................................................... 53
                      10.08  Counterparts and Facsimile.......................................................................................... 53
                      10.09  Set-Off......................................................................................................................... 54
                      10.10  Severability.................................................................................................................. 54
                      10.11  Integration.................................................................................................................... 54
                      10.12  GOVERNING LAW.................................................................................................... 54
                      10.13  SUBMISSION TO JURISDICTION; WAIVERS......................................................... 54
                      10.14  WAIVER OF JURY TRIAL......................................................................................... 55
                      10.15  Limited Recourse......................................................................................................... 55
                      10.16  Acknowledgments........................................................................................................ 55
                      10.17  Confidentiality............................................................................................................. 55
                      10.18  Schedule A................................................................................................................... 56
                      10.19  Lender in Capacity as an Investor................................................................................. 56
                      10.20  Limitation of Liability.................................................................................................. 57
                      10.21  Termination ................................................................................................................. 57
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