Maximum LoanAmount shall mean $78,000,000.

EXHIBIT 4.2(d)

WHEREAS, on July 15, 2003, the Borrower, the Lenders, the Agent and the Swap Provider entered into the Credit Agreement pursuant to which the Lenders made available to the Borrower a revolving credit facility in the aggregate principal amount of $138,000,000;

WHEREAS, the Borrower has requested the Required Lenders to decrease the amount of the revolving credit facility by $60,000,000 to an aggregate principal amount of $78,000,000;

WHEREAS, the Borrower has requested and the Required Lenders have agreed, subject to the terms and conditions of this Amendment, to amend certain provisions of the Credit Agreement, as set forth herein;

NOW, THEREFORE, in consideration of the premises and of the mutual agreements herein contained, the parties hereto agree as follows: 

SECTION 1. Amendments. Subject to the satisfaction of the conditions precedent set forth in Section 3 hereof, the Credit Agreement is hereby amended as of the Effective Date (as defined in Section 3 hereof) as follows:

(A) Article 1 of the Credit Agreement is hereby amended by amending and restating the following definition in its entirety to read as follows:

“‘Maximum Loan Amount’ shall mean $78,000,000.”

(B) Schedule 1.1 of the Credit Agreement is hereby amended by deleting the figure “$138,000,000” and inserting the figure “$78,000,000” in lieu thereof.

SECTION 2. Representations and Warranties. The Borrower hereby represents and warrants that:

(A) after giving effect to this Amendment, the representations and warranties contained in the Credit Agreement are true and correct in all material respects on and as of the date hereof as if such representations and warranties had been made on and as of the date hereof (except to the extent that any such representations and warranties specifically relate to an earlier date); and

(B) after giving effect to this Amendment, no Event of Default or Default will have occurred and be continuing on and as of the date hereof.

SECTION 3. Conditions Precedent. The effectiveness of this Amendment is subject to the satisfaction in full of each of the conditions precedent set forth in this Section 3 (the date on which all such conditions have been satisfied being herein called the “Effective Date”):

(A) the Agent shall have received executed counterparts of this Amendment which, when taken together, bear the signatures of the Required Lenders and the Borrower;

(B) the Agent shall have received a new Note executed by the Borrower in an aggregate principal amount of $78,000,000 to be exchanged for and replace the prior Note delivered by the Borrower in an aggregate principal amount of $138,000,000;

(C) the Borrower shall have received from the Agent the prior Note in an aggregate principal amount of $138,000,000 for cancellation;

(D) the Agent shall have received the written opinion of counsel to the Borrower, dated the date hereof and addressed to the Agent, in form and substance satisfactory to counsel to the Agent;

(E) the Agent shall have received such other documents as the Agent may reasonably request; and

(F) all legal matters incident to this Amendment shall be satisfactory to counsel to the Agent.

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SECTION 4. Miscellaneous.

(A) Capitalized terms used herein and not otherwise defined herein shall have the meanings as defined in the Credit Agreement.

(B) Except as expressly amended hereby, the Credit Agreement shall remain in full force and effect in accordance with the original terms thereof.

(C) The amendments herein contained are limited specifically to the matters set forth above and do not constitute directly or by implication an amendment or waiver of any other provision of the Credit Agreement or any default which may occur or may have occurred under the Credit Agreement.

(D) This Amendment may be executed in any number of counterparts, each of which shall constitute an original, but all of which when taken together shall constitute one and the same instrument.

(E) This Amendment shall constitute a Fundamental Document.

(F) This Amendment shall be governed by, and construed in accordance with, the laws of the State of New York.

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IN WITNESS WHEREOF, the undersigned have caused this Amendment to be duly executed as of the date first written above.