EXHIBIT 4.5 The Registrant has other long-term debt agreements. The total amount of indebtedness under any one of these agreements does not exceed 5 percent of the total assets of the Registrant and its subsidiaries on a consolidated basis. The...

 
                                                                     EXHIBIT 4.5


     The Registrant has other long-term debt agreements. The total amount of
indebtedness under any one of these agreements does not exceed 5 percent of the
total assets of the Registrant and its subsidiaries on a consolidated basis. The
Registrant hereby agrees to furnish a copy of any such agreement to the
Commission promptly upon receipt of a written request from the Commission.