Common use of Period Ending Clause in Contracts

Period Ending. Ratio: ------------- ----- July 1999-December 1999 5.50 to 1.0 January 2000-June 2000 5.25 to 1.0 July 2000 and thereafter 4.75 to 1.0

Period Ending. Ratio: ------------- ----- July January 1999-June 2000 1.60 to 1.0 July 2000-December 1999 5.50 2000 1.75 to 1.0 January 2000-June 2000 5.25 to 1.0 July 2000 2001 and thereafter 4.75 2.00 to 1.0

Period Ending. Ratio: ------------- ----- July 1999-December 1999 5.50 5.25 to 1.0 January 2000-June 2000 5.25 5.00 to 1.0 July 2000-December 2000 4.50 to 1.0 January 2001-December 2001 4.00 to 1.0 January 2002 and thereafter 4.75 3.75 to 1.0

Period Ending. Ratio: ------------- ----- July January 1999-June 2000 1.75 to 1.0 July 2000-December 1999 5.50 2000 2.00 to 1.0 January 20002001-June 2000 5.25 December 2001 2.25 to 1.0 July 2000 January 2002 and thereafter 4.75 2.75 to 1.0