Chalone Wine Group Ltd.
Filed 3/31/03


                        SECURITIES & EXCHANGE COMMISSION
                              WASHINGTON, DC 20549


                                    FORM 10-K

                        FOR ANNUAL AND TRANSITION REPORTS
                     PURSUANT TO SECTIONS 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

           [X]  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934
                   For the Fiscal Year Ended December 31, 2002

                                       OR

           [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


                         Commission file number 0-13406

                          THE CHALONE WINE GROUP, LTD.
             ______________________________________________________
             (Exact Name of Registrant as Specified in Its Charter)


           California                                   94-1696731
_________________________________        _______________________________________
  (State or Other Jurisdiction           (I.R.S. Employer Identification Number)
of Incorporation or Organization)


                621 Airpark Road, Napa, CA                    94558
         ________________________________________           __________
         (Address of Principal Executive Offices)           (Zip Code)


Registrant's telephone number, including area code (707) 254-4200

Securities registered pursuant to Section 12(b) of the Act:  None

Securities registered to Section 12(g) of the Act:

                                  Common Stock
                                (Title of Class)

Indicate by check mark whether the registrant: (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days. Yes [X] No [ ]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [ ]

Indicate  by check mark  whether  the  registrant  is an  accelarated  filer (as
defined in Rule 12b-2 of the Act). Yes [ ]   No [X]

As of March 10, 2003 there were 3,551,620 shares of the Company's voting no par
value common stock, with an aggregate market value of $36.2 million held by
non-affiliates. For purposes of this disclosure, shares of common stock held by
persons who hold more than 5% of the outstanding shares of the Registrant's
common stock and shares held by officers and directors of the Registrant have
been excluded because such persons may be deemed to be affiliates. This
determination is not intended to be conclusive. As of March 13, 2003, there were
12,068,944 shares outstanding of the Company's voting no par value common stock.

                       DOCUMENTS INCORPORATED BY REFERENCE

Portions of the definitive proxy statement for the 2003 Annual Meeting of
Shareholders of the Chalone Wine Group, Ltd. (the "Proxy Statement"), to be
filed with the Securities and Exchange Commission within 120 days after December
31, 2003, are incorporated by reference into Part III of this report.




PART I
PART II
Item 1. Business Item 5. Market for Registrant's Common Equity and Related Stockholder Matters
Item 2. Properties Item 6. Selected Financial Data
Item 3. Legal Proceedings Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 4. Submission of Matters to a Vote of Security Holders Item 8. Financial Statements and Supplementary Data
    Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
PART III
PART IV
Item 10. Directors and Executive Officers of Registrant Item 15. Exhibits, Financial Statement Schedules and Reports on Form 8-K
Item 11. Executive Compensation Signatures
Item 12. Security Ownership of Certain Beneficial Owners and Management Certifications
Item 13. Certain Relationships and Related Transactions  
Item 14. Controls and Procedures  
FINANCIAL STATEMENTS



                                     PART I

ITEM 1. BUSINESS.

A.       GENERAL.

     The Company produces,  markets and sells super premium,  ultra premium, and
luxury-priced white and red varietal table wines, primarily Pinot Noir, Cabernet
Sauvignon,  Merlot, Syrah,  Chardonnay and Sauvignon Blanc. The Company owns and
operates  wineries in various  counties of California and Washington  State. The
Company's wines are made primarily from grapes grown at Moon Mountain  Vineyard,
Edna Valley Vineyard,  Chalone Vineyard,  Acacia Vineyard,  Hewitt Vineyard, and
Suscol Creek  Vineyard in California  and the Canoe Ridge Vineyard in Washington
State, as well as from purchased grapes.
      The wines are primarily sold under the labels  "Provenance  Vineyards(R),"
"Chalone  Vineyard(R),"  "Edna  Valley  Vineyard(R),"   "Dynamite(R)  Vineyards,
"Acacia(R),"   "Canoe  Ridge(R)   Vineyard,"  "Jade   Mountain(R),"   "Sagelands
Vineyard(R)," and "Echelon Vineyards."
     In France,  the Company owns a minority interest in fourth-growth  Bordeaux
estate Chateau  Duhart-Milon  ("Duhart-Milon")  in partnership with Les Domaines
Barons de Rothschild (Lafite) ("DBR"). The vineyards of Duhart-Milon are located
adjacent  to  the  world-renowned  Chateau  Lafite-Rothschild  in  the  town  of
Pauillac.
     The Chalone Wine Group,  Ltd. was incorporated  under the laws of the State
of California on June 27, 1969. Unless otherwise  indicated,  the terms "we" and
"Company"  used in this report  refer to The Chalone  Wine Group,  Ltd.  and its
consolidated subsidiaries.  The Company became a publicly held reporting company
as the result of an initial public offering of common stock in 1984.

      SIGNIFICANT EVENTS

THE CHALONE WINE GROUP  PURCHASED A WINERY IN RUTHERFORD AS HOME FOR  PROVENANCE
VINEYARDS

     The Company  announced in August 2002 that it had purchased a winery in the
heart of the Rutherford District for the home of Provenance  Vineyards,  its new
Napa Valley  Cabernet  Sauvignon  winery.  Formerly  known as Chateau  Beaucanon
Winery,  the winery and 45 acres of estate vineyard are located on Highway 29 in
Rutherford.  Provenance  focuses on  Rutherford  Cabernet  Sauvignon and makes a
smaller  amount of Merlot from the Carneros  region and Cabernet  Sauvignon from
the Oakville District.

THE COMPANY  SOLD THE  CARMENET  BRAND TO FOCUS ON MOON  MOUNTAIN  VINEYARD  AND
DYNAMITE VINEYARDS

     In September  2002 the Company signed an agreement with Beringer Blass Wine
Estates to sell the Carmenet brand name and inventory.  Beringer Blass purchased
all inventory of the Carmenet brand,  which includes  Carmenet Reserve Sauvignon
Blanc, Old Vines Zinfandel,  Cabernet Franc, Copa de Morado Zinfandel Port, Copa
de Oro Late Harvest  Semillon  and Sonoma  Merlot and  Cabernet  Sauvignon.  The
company  retains  ownership of the estate  winery and vineyard in Sonoma  County
where  Carmenet  began,  now called Moon  Mountain  Vineyard.  The company  also
retains ownership of Dynamite Vineyards.

VINTAGE LANE WINERY SOLD AS PART OF DYNAMITE VINEYARDS' MOVE TO LAKE COUNTY

     Because of the growing  demand for Dynamite  Vineyards  wines,  the Company
projected it would soon reach the production  capacity limit at Vintage Lane, in
Glen Ellen,  California,  where  Dynamite  wines were made. In December 2002 the
Company sold the Vintage Lane winery to Justi Creek LLC. The sale  included only
the winery and none of the inventory or grape  contracts of Dynamite  Vineyards.
The sale will  allow  Dynamite  to expand and to move to Lake  County,  which is
quickly becoming a major source of its grapes.

B.         FINANCIAL INFORMATION ABOUT INDUSTRY SEGMENTS.

      The Company produces and sells super premium to luxury quality table wines
and believes that its various  products and brands all share  similar  long-term
financial  performance,   production  processes,  customer  types,  distribution
methods  and  other  economic  characteristics.   Accordingly,  these  operating
segments have been aggregated as a single operating  segment in the consolidated
financial statements.

C.       NARRATIVE DESCRIPTION OF BUSINESS.

    OVERVIEW

     The Company owns the following  properties in the United States and France,
either  wholly  or in  partnership  with  others,  all  of  which  have  related
company-owned vineyards with the exception of Edna Valley Vineyard. The specific
ownership structure is as follows:




PROPERTY                   OWNERSHIP     FORM OF OWNERSHIP      LOCATION
- --------                   ---------     -----------------      ---------
                                                       
Chalone Vineyard             100.0%      Corporation            Soledad, California
Moon Mountain Vineyard       100.0%      Corporation            Sonoma, California
(1)
Acacia
    Acacia Winery            100.0%      Corporation            Napa, California
    Acacia Vineyard          50.0%       Partnership            Napa, California
Edna Valley Vineyard         50.0%       Partnership            San Luis Obispo, California
Canoe Ridge Vineyard         100.0%      Corporation            Walla Walla, Washington
Chateau Duhart-Milon         23.5%       Partnership            Pauillac, France
Sagelands Vineyard (2)       100.0%      Corporation            Yakima Valley, Washington
Suscol Creek Vineyard        100.0%      Corporation            Napa, California
Hewitt Vineyard              100.0%      Corporation            Rutherford, California
Provenance Vineyards         100.0%      Corporation            Rutherford, California



(1)  Formerly known as Carmenet Vineyard.
(2)  Formerly known as Staton Hills Winery.




                                       2



     With the  exception  of  Chateau  Duhart-Milon,  the  Company  manages  and
operates  all of the above  properties  and  consolidates  the  results of their
operations.  The Company  accounts for its  investment  in Chateau  Duhart-Milon
using the equity method of accounting.
     Each  of the  Company's  domestic  wineries  or  estate  vineyards  is in a
different "American  Viticultural Area" ("AVA"). AVA is a designation granted by
the Federal  Bureau of Alcohol,  Tobacco and Firearms to identify  grape-growing
areas  distinguishable  by their specific and definable  geographic and climatic
characteristics.  Wines may display an AVA on a bottle label only if 85% or more
of the grapes used to produce the wine were grown in that viticultural area.
     For a  more  detailed  description  of the  Company's  properties  and  its
operations, see "Item 2. Properties."

      VINEYARD PRACTICES

     The Company believes that the soils and microclimates of each vineyard from
which it obtains  its grapes are  particularly  suitable  for the  varieties  of
grapes with which they have been or, are being, planted.
     The Company  generally  manages its  vineyards  to produce  yields that are
lower than average for similarly situated vineyards in California and Washington
State and below the  maximum  yield that could be  obtained.  It  believes  that
relatively low yields  enhance the varietal  character of the grapes and improve
the quality of the resulting wines.

      AGRICULTURAL RISKS

     For a  description  of the  Company's  agricultural  risks,  see  "Item  7.
Management's  Discussion  and  Analysis of  Financial  Condition  and Results of
Operations."

      WINEMAKING PRACTICES

     The  Company's  philosophy  is that  winemaking  is a natural  process best
managed with minimum intervention, but requiring the attention and dedication of
a winemaker. While the Company uses a relatively high level of hand labor during
the  winemaking  processes,  the  Company  also  makes  extensive  use of modern
laboratory equipment and techniques to monitor the progress of each wine through
all stages of the winemaking process. All of the Company's wineries are operated
under the overall supervision of the Company's Chief Executive Officer. However,
each  winery has its own  General  Manager  who,  in most  instances,  is also a
winemaker.
     The principal raw  materials  used by the Company are grapes,  oak barrels,
glass,  and cork.  About 75% of the oak barrels are purchased  from the Burgundy
and Bordeaux  regions of France and the remainder  from the United  States.  The
Company  favors  French  oak  barrels  due to  Company  tradition  and  consumer
preferences. Cork is produced and manufactured in Portugal, which is the primary
cork-producing  country  in the  world.  Glass is  purchased  from a variety  of
different  sources  according to each winery's specific needs. The Company's own
vineyards provide a significant portion of the Company's grape requirements.  As
needed, the Company also purchases grapes from other independent  California and
Washington State growers.

      WINE PRODUCTION AND WINES

     This table sets forth the wine production of the Company for the 2002, 2001
and 2000  vintages.  The wines'  vintage is the year during which the grapes are
harvested.  The  following  information  is presented  in terms of  "equivalent"
number of cases.  The precise  number of cases is not known at this time because
many of these  vintages  are still  being  aged in barrels  and  tanks.  For the
purpose of this schedule and the discussion that follows, wines purchased by the
Company for resale purposes are excluded.




                                      2002                        2001                        2000
                            ------------------------    ------------------------    -----------------------
                            Equivalent                  Equivalent                  Equivalent
                            Number of                   Number of                   Number of
                            Cases        % of Total     Cases        % of Total     Cases       % of Total
                            ----------   -----------    ----------   -----------    ----------  -----------
                                                                                      

Chardonnay                     268,190           40%       243,750           37%       288,990          40%
Sauvignon Blanc                  4,940            1%        12,350            2%         9,425           1%
Pinot Blanc                      1,170            0%         4,290            1%         4,420           1%
Other white wines                3,835            1%        11,115            1%        13,130           2%
                            ----------   -----------    ----------   -----------    ----------  -----------
     Total white wines         278,135           42%       271,505           41%       315,965          44%
                            ----------   -----------    ----------   -----------    ----------  -----------
Pinot Noir                      96,720           15%        92,365           14%        75,920          11%
Cabernet Sauvignon             149,175           22%       127,725           19%       117,520          17%
Merlot                          93,730           14%       126,685           19%       131,820          18%
Syrah                           42,250            6%        36,855            6%        64,220           9%
Other red wines                  3,705            1%         7,670            1%         5,525           1%
                            ----------   -----------    ----------   -----------    ----------  -----------
     Total red wines           385,580           58%       391,300           59%       395,005          56%
                            ----------   -----------    ----------   -----------    ----------  -----------
     Total production          663,715          100%       662,805          100%       710,970         100%
                            ==========   ===========    ==========   ===========    ==========  ===========



                                       3


     The Company's  wines are aged  primarily in new and used oak barrels before
they are bottled.  Generally,  white wines are aged between six and nine months,
and red wines between nine and eighteen months,  after harvest. The wine is then
bottled and stored for further aging.

     CHALONE  VINEYARD:   Chalone  Vineyard  sales  represented  10.12%  of  the
Company's  consolidated revenues and 5.5% of its consolidated case sales for the
year ended December 31, 2002.
     Chalone Vineyard has been producing  Chardonnay,  Pinot Blanc,  Pinot Noir,
and small quantities of Chenin Blanc since 1969. It has also begun growing Syrah
and  released  its first  vintage  in 2002.  All wines sold under this label are
produced  from grapes grown at the Chalone  Vineyard and are estate  bottled and
bear the "Chalone" appellation.

     CARMENET  WINERY:  Carmenet Winery sales  represented 2.2% of the Company's
consolidated revenues and 5.4% of its consolidated case sales for the year ended
December 31, 2002.
     On  September  26,  2002,  the  Company  sold the  Carmenet  brand name and
inventory to Beringer Blass Wine Estates. Beringer Blass purchased all inventory
of the Carmenet brand,  which includes  Carmenet  Reserve  Sauvignon  Blanc, Old
Vines Zinfandel, Cabernet Franc, Copa de Morado Zinfandel Port, Copa de Oro Late
Harvest Semillon and Sonoma Merlot and Cabernet Sauvignon.

     MOON  MOUNTAIN  VINEYARD:  Moon  Mountain  sales  represented  1.6%  of the
Company's  consolidated revenues and .5% of consolidated case sales for the year
ended December 31, 2002.
     On  September  26,  2002,  the  Company  sold the  Carmenet  brand name and
inventory to Beringer Blass Wine Estates.  The Company retained ownership of the
estate winery and vineyard in Sonoma County where Carmenet began and that is now
called Moon  Mountain  Vineyard.  This winery will  continue to produce what had
been called Carmenet Moon Mountain Reserve Cabernet  Sauvignon and starting with
the 2000 vintage will be called Moon Mountain Vineyard Cabernet Sauvignon.
     On July 31, 1996, a wildfire  damaged  approximately  75% of the  producing
acreage at what then was called Carmenet  Winery.  Prior to this fire,  Carmenet
Winery  produced  approximately  38,000 cases of wine  annually,  a  significant
portion of which was estate bottled. The fire was caused by the electrical lines
of Pacific Gas & Electric Company ("PG&E"),  which has publicly acknowledged its
liability.  The Company has replanted the damaged  acreage but the newly planted
vines are not expected to return to pre-fire  levels of  production  until 2003.
Until  the  fire-damaged  acreage  returns  to full  production,  Moon  Mountain
Vineyard's ability to make  estate-bottled  wines will be limited. To supplement
Moon Mountain's limited harvest the Company attempts to purchase suitable grapes
on the open market.  However,  there can be no assurance that grapes of suitable
quality  or  variety  will be  available  in  sufficient  quantity  or on  terms
acceptable to the Company.

     DYNAMITE  VINEYARDS:  Dynamite  Vineyard  sales  represented  13.6%  of the
Company's  consolidated  revenues and 12.2% of  consolidated  case sales for the
year ended December 31, 2002.
     On  September  26,  2002,  the  Company  sold the  Carmenet  brand name and
inventory to Beringer Blass Wine Estates. The Company retained ownership of what
had been known as Carmenet  Dynamite and is now called  Dynamite  Vineyards.  It
will continue to produce  Cabernet  Sauvignon,  Merlot and Sauvignon  Blanc from
vineyards in the North Coast AVA of California.

     EDNA VALLEY VINEYARD:  Edna Valley Vineyard sales  represented 27.9% of the
Company's  consolidated  revenues and 26.8% of  consolidated  case sales for the
year ended December 31, 2002.
     Edna Valley  Vineyard has been producing  mostly  Chardonnay and Pinot Noir
wines since 1980.  The majority of wines sold under the Edna Valley  Vineyard(R)
label are produced from grapes grown by Paragon Vineyard Company, our partner in
the Edna Valley Vineyard Joint Venture, and are estate bottled.

     ACACIA  VINEYARD:   Acacia  sales   represented   13.7%  of  the  Company's
consolidated revenues and 9.9% of its consolidated case sales for the year ended
December 31, 2002.
     The winery  produces  Chardonnay  and Pinot Noir wines  under the  "Acacia"
label.  The grapes for the production of Pinot Noir and Chardonnay come from the
Carneros region.  Approximately  50% of this production come from  Company-owned
vineyards and Company-leased vineyards.

     CANOE RIDGE VINEYARD:  Canoe Ridge Vineyard sales  represented  5.1% of the
Company's  consolidated revenues and 3.7% of its consolidated case sales for the
year ended December 31, 2002.
     The Canoe Ridge Vineyard commenced operation in 1994 and produces primarily
Merlot and Cabernet  Sauvignon under the "Canoe Ridge Vineyard"  label.  Most of
the grapes for these wines are grown at the Company's  estate vineyard and wines
bear the "Columbia Valley" AVA designation.

     ECHELON  VINEYARDS:  Echelon  sales  represented  15.5%  of  the  Company's
consolidated  revenues  and 23.5% of its  consolidated  case  sales for the year
ended December 31, 2002.
     The 1997  vintage  was the first to be released  under the  Echelon  label,
which features Chardonnay,  Cabernet Sauvignon,  Merlot,  Viognier,  Pinot Noir,
Syrah and  Pinot  Grigio  (Pinot  Gris).  Most  varieties  have a Central  Coast
appellation.  The 2001  Viognier  and 2000  Syrah  feature  the  designation  of
Esperanza Vineyard, from the Clarksburg AVA.

     SAGELANDS  VINEYARD:  Sagelands Vineyard  represented 3.8% of the Company's
consolidated revenues and 7.1% of the consolidated case sales for the year ended
December 31, 2002.
     On June 15, 1999,  the Company  purchased  Staton  Hills(R)  Winery and its
adjacent vineyards in Yakima County,  Washington.  The Staton Hills facility was
renamed  Sagelands  Vineyard  and the new brand was  launched  in January  2000,
focusing  primarily  on Cabernet  Sauvignon  and Merlot and bearing the Columbia
Valley AVA  designation.  The Company retained the Staton Hills Winery brand and
continues  to  produce  wines  under  this mark.  Sagelands  primarily  produces
Cabernet  Sauvignon and Merlot from the "Four Corners" area of Columbia  Valley,
Washington.

                                       4



     JADE MOUNTAIN: Jade Mountain represented 1.3% of the Company's consolidated
revenues and .8% of its consolidated  case sales for the year ended December 31,
2002.
     The Company  purchased the Jade Mountain name and inventory in 2000,  after
serving as the brand's sole  domestic  distributor  since 1992.  Since 1988 Jade
Mountain has specialized in ultra-premium Syrah.

     PROVENANCE  VINEYARDS:  Provenance sales represented 1.45% of the Company's
consolidated  revenues and .8% of its consolidated case sales for the year ended
December 31, 2002.
     The winery's inaugural release was its 1999 Rutherford  Cabernet Sauvignon,
which  became  available  to  consumers  in  December  2001.  In 2002 the winery
released its 2000  Rutherford  Cabernet  Sauvignon and its  first-ever  Carneros
Merlot from the 2000 vintage.

     CUSTOM  BRANDS:  Custom brands consist  primarily of  Chardonnay,  Cabernet
Sauvignon and Merlot.  Quantities of custom brand bottling are highly  dependent
upon grape supply and availability.  As grapes are primarily directed toward our
core product line, the focus of the Company's production shifts away from custom
brands,  as they are relatively lower margin  products.  The Company uses custom
brands  primarily as a means of  marketing  and selling its label wines and does
not intend to focus its efforts in this line of business.

     IMPORTS & OTHER:  3.8% of the Company's  consolidated  revenues and 2.4% of
its  consolidated  case sales in the year ended December 31, 2002 were primarily
comprised of import wines and, to a lesser degree,  domestic wines  purchased by
the Company for resale purposes.
     Under the terms of various  agreements and  investments  among the Company,
Duhart-Milon,  and DBR, the Company  receives an  allocation of the wines of DBR
and Duhart-Milon  including the wines of Chateau  Lafite-Rothschild  and Chateau
L'Evangile in the Pauillac and Pomerol regions of Bordeaux, respectively, and of
Chateau  Rieussec  in the  Sauternes  region of  Bordeaux.  DBR also  produces a
Pauillac wine exclusively for the Company.

     MARKETING AND DISTRIBUTION

     The  Company's  wines  are  positioned  in the  higher  end of the  premium
category. All the Company's wines are in the super premium to luxury segments of
the market, priced at $7 per bottle and above.
     The Company sells its wines through direct sales, independent distributors,
its own shareholder list, and in limited quantities, directly from the wineries.
Distributors  generally  remarket  the wines  through  specialty  wine shops and
grocery  stores,  selected  restaurants,  hotels and  private  clubs  across the
country,  and in certain  overseas  markets.  The Company  relies  primarily  on
word-of-mouth  recommendation,   wine  tastings,  positive  reviews  in  various
publications,   select  wine  competitions  and  Company-sponsored   promotional
activities in order to increase public awareness of its wines.

     SALES

     The  Company's  wines are marketed by  independent  distributors  in all 50
states and the  District of Columbia  and Puerto Rico and,  internationally,  in
Bermuda,  the British West Indies,  the U.S.  Virgin Islands,  Canada,  England,
continental  Europe,  Hong Kong,  China,  and  Japan.  The  Company's  wines are
marketed  and  distributed  in  Mexico  by Monte  Xanic.  In 1993,  the  Company
established  a sales  division,  operating  as  CHALONE  WINE  ESTATES,  to help
supervise  and  coordinate  sales  functions of the  Company's  business and its
custom  brands  operations.  The  Company  employs  a number of  regional  sales
managers who work directly with  distributors  in a particular  region and their
customers.

     CASE SALES BY METHOD OF DISTRIBUTION

     The  following  table sets forth case sales by the Company by  distribution
method for the year ended December 31, 2002, the  nine-month  transition  period
ended December 31, 2001; and fiscal years ended March 31, 2001 and 2000:




                                 Year ended December      Nine Months ended              Year Ended March 31,
                                      31, 2002            December 31, 2001
                                                                                         2001                   2000
                                 --------------------     -----------------      -------------------     -------------------
                                  Number         % of      Number     % of        Number        % of      Number      % of
                                 of Cases       Total     of Cases   Total       of Cases      Total     of Cases      Total
                                 --------------------     ------------------------------------------------------------------
                                                                                                 

Independent distributors
    United States                 478,172         72%      218,256      57%       315,486        60%      238,600        53%
    International                  31,206          5%       12,586       3%        24,317         3%       23,700         5%
                                 --------------------     ------------------------------------------------------------------

        Total distributors        509,378         77%      230,842      60%       339,803        63%      262,300        58%
                                 --------------------     ------------------------------------------------------------------
Company direct
    California wholesale           97,169         15%      111,196      29%       149,208        27%      124,700        28%
    Custom brands                  18,226          3%       13,905       4%        23,786         4%       25,000         6%
    Catalog and winery retail      36,041          5%       28,843       7%        33,811         6%       35,500         8%
                                 --------------------     ------------------------------------------------------------------
        Total Company direct      151,436         23%      153,944      40%       206,805        37%      185,200        42%
                                 --------------------     ------------------------------------------------------------------

        Total                     660,814        100%      384,786     100%       546,608       100%      447,500       100%
                                 --------------------     ------------------------------------------------------------------



                                       5


     CENTRALIZED ADMINISTRATION AND WAREHOUSING

     A  leased  22,000-square-foot   central  office  located  in  Napa  County,
California,  at the  Napa  Airport  Business  Park  supports  all the  Company's
wineries.   Attached   to  the   Company's   central   executive   office  is  a
64,000-square-foot  central  distribution  center in which all of the  Company's
wines are stored prior to shipping.  The Company also rents  separate  warehouse
facilities, as needed in local markets and occasionally permits storage of third
party wines for a fee. The central facility lease is for a 15-year initial term,
expiring in November 2008, with a five-year extension option.

     EMPLOYEES

     On December 31, 2002, the Company had 169 full-time employees,  of which 92
were in grape  growing  and  winemaking,  37 in sales and 40 in  administration.
During the spring and summer,  the Company adds approximately 25 to 30 part-time
employees for vineyard care and maintenance and 70 to 80 part-time employees for
the spring bottling.  In the autumn, up to 80 part-time  employees are hired for
the grape harvest and related winery work.  The Company's  hiring and employment
policies for both full-time and part-time  employees are believed to comply with
all relevant laws,  including  immigration  laws. The Company  believes that its
wage rates and benefits are  competitive  and that its  employee  relations  are
excellent.

     REGULATION; PERMITS AND LICENSES

     The  production  and sale of wine are subject to  extensive  regulation  by
various  federal and state  regulatory  agencies,  which  require the Company to
maintain  various  permits,  bonds and licenses.  The Company  believes it is in
compliance with all currently applicable federal and state regulations.

     TRADEMARKS

     CANOE RIDGE,  STATON HILLS,  CHALONE  VINEYARD,  SAGELANDS,  JADE MOUNTAIN,
ACACIA and the Acacia "A" logo,  MOON  MOUNTAIN,  DYNAMITE,  and  ARCHSTONE  are
federally registered  trademarks owned by the Company. EDNA VALLEY VINEYARD is a
federally  registered trademark owned 50% by Chalone Wine Group, Ltd. and 50% by
Paragon and licensed  exclusively to the Edna Valley Vineyard Joint Venture. The
foregoing  marks are also  registered in Japan with the Japanese  Patent Office.
GAVILAN is  registered  with the State of  California.  These  marks,  and other
common-law  marks,  are of significant  importance to the Company's  business as
label and brand  recognition are important means of competition  within the wine
industry.

     SHAREHOLDER BENEFITS

     Shareholders  of the Company are entitled to benefits that are not provided
to other consumers.  The Company offers its reserve wines, older wines and other
special wines to qualified  shareholders,  who are those with 100 or more shares
of the Company's common stock, directly from its centralized distribution center
by  telephone  or mail order.  Qualified  shareholders  are entitled to a 20-30%
discount  from  suggested  retail  prices  on most  mail  order or other  direct
purchases from the Company.  The Company has also provided  annual  discounts to
shareholders  based  on  their  shareholdings  in the  form of an  "Owners  Wine
Credit," which allows  shareholders  to receive a credit towards the purchase of
wines for the duration of the program. The Owners Wine Credit may be used for up
to 50% of the wine  value of an order and is  generally  offered  in the fall of
each  year.  The  credit  amount  was $.25 per share for the last  year.  Due to
restrictions  on direct retail sales of wines under state laws, the Company must
confine direct wine shipments by mail to purchasers with addresses in California
and 11 other states that have reciprocal agreements with California.
     Each  May,  qualified   shareholders  are  invited  to  attend  our  annual
Shareholder  Celebration.  For a nominal fee,  attendees  attend an all-day wine
tasting, auction and luncheon, which is traditionally held on the grounds of the
Chalone Vineyard in Monterey County,  California.  In 2002,  approximately 1,200
shareholders  and guests  from 40 states and 5 foreign  countries  attended  the
Celebration, which featured tastings of all of the Company's wines.
     The Company  also offers to  shareholders,  at the  shareholders'  expense,
travel programs to various  wine-growing  regions of the world. In the past, the
Company has provided  travel  programs to France,  Chile,  Australia,  Portugal,
South Africa,  Italy,  and New Zealand.  Proceeds from these trips help fund the
Woodward/Graff  Foundation (the "Foundation") formerly known as the Chalone Wine
Foundation.  In addition,  shareholders'  interests  are given a priority in the
Foundation's donation program.

     SEASONALITY

     See "Item 7.  Management's  Discussion and Analysis of Financial  Condition
and  Results of  Operations"  for a  discussion  of the  seasonal  nature of the
Company's business.

                                       6



ITEM 2.  PROPERTIES.

     The Company's principal  winemaking  activities  presently are conducted at
ten locations; seven in California, two in eastern Washington and one in France.

CHALONE VINEYARD

     Chalone  Vineyard  is  located  on  approximately  950  acres in  Monterey,
California (of which 307 acres are planted to grapes),  approximately 1,500 feet
above the floor of the Salinas  Valley,  in the Chalone AVA. The winery produces
primarily  Chardonnay and Pinot Noir and markets these wines  exclusively  under
the "Chalone Vineyard" label.
     The soil is  volcanic  rock over a bed of  limestone,  similar  to the soil
found in the Burgundy region of France.  The elevation of the vineyard  provides
natural  protection against frost and creates radical swings between daytime and
nighttime  temperatures.  The region is arid and has average annual  rainfall of
only 14 inches.  The water needs for Chalone's  vineyard are supplemented by two
reservoirs and several wells,  which the Company believes will supply sufficient
water for the vineyard's current and future needs.
     Chalone  Vineyard  was first  established  in 1919 and today is the  oldest
producing  vineyard in Monterey  County.  The Company has produced premium wines
from the  vineyard  since 1969,  when it  acquired  the  vineyard  from a former
director of the Company, the late Richard H. Graff.
     The property includes a tasting room, dining facilities for private parties
and approximately 8,500 square feet of caves for barrel storage. All operations,
from the grape  growing to the final  bottling,  are  carried out on site by the
Chalone staff. The winery's current production capacity is 48,000 cases.

MOON MOUNTAIN VINEYARD

On September 26, 2002, the Company sold the Carmenet brand name and inventory to
Beringer Blass Wine Estates. The Company retained ownership of the estate winery
and vineyard in Sonoma County where  Carmenet  began and that is now called Moon
Mountain Vineyard.  The vineyard is located on approximately 300 acres in Sonoma
County,  California  (of which 130 acres are  plantable),  located in the Sonoma
Valley AVA.  This winery  produces  what had been called  Carmenet Moon Mountain
Reserve  Cabernet  Sauvignon  and starting  with the 2000 vintage will be called
Moon Mountain Vineyard Cabernet Sauvignon.
     On July 31, 1996, a fire at the vineyard damaged  approximately  75% of its
producing acres, which were planted to Cabernet Sauvignon,  Merlot, and Cabernet
Franc.  The  Company  has  replanted  these  acres  with  essentially  the  same
varieties. See "Item 1. Business, Wine Production and Wines."
     The vineyard is situated in the Mayacamas  Mountains just north of the town
of Sonoma,  at an elevation of 1,200 feet.  The vines are on steep  hillsides in
rocky, well-drained soil. The average rainfall is 30 inches. The Company's water
needs are  supplemented by two wells using a drip irrigation  system,  which the
Company  believes will supply  sufficient  water for the vineyard's  current and
future  needs.  The  elevation  of  Moon  Mountain   Vineyard  provides  natural
protection  against frost. The vineyard was certified  organic by the California
Certified Organic Farmers in 2002.
     In addition to the production area, the property includes a reception area,
and 15,000 square feet of barrel caves.  The barrel caves are bored into a solid
rock  hillside  adjacent  to the  fermentation  building  and  provide  an ideal
environment for aging wine in barrels without artificial temperature control.

EDNA VALLEY VINEYARD

     Edna Valley Vineyard leases land from Paragon Vineyard. Paragon Vineyard is
located on approximately 1,100 acres in San Luis Obispo County,  California,  in
the Edna Valley AVA. The Edna Valley Vineyard  principally  produces  Chardonnay
and Pinot Noir. It also produces limited quantities of Viognier,  Muscat,  Pinot
Gris,  Syrah,  Edna Red and sparkling wines, all of which are marketed under the
"Edna Valley Vineyard" label.
     The property is operated by Paragon Vineyard Company, which leases the land
on which the winery is located to Edna Valley Vineyard (a "Joint Venture").  The
Joint Venture is 50% owned by the Company and 50% owned by Paragon.  The Company
is the managing  joint venture  partner and it manages and supervises the winery
operations and sells and distributes its wine.
     The winery features a tasting room,  dining  facilities for private parties
and  underground   cellars  for  wine  fermentation  and  barrel  aging.  Annual
production capacity is 165,000 cases.

ACACIA VINEYARD

     Acacia Vineyard produces primarily ultra-premium  Chardonnay and Pinot Noir
wine  with a small  amount  of  sparkling  wine and  brandy  marketed  under the
"Acacia" brand.
     The winery is located on one of four contiguous parcels that together total
approximately 156 acres in the Carneros district of Napa County, California. The
Company owns the winery  building and the winemaking  equipment  associated with
the winery.  The parcel on which the winery is located consists of two portions;
the  winery  complex  ("Winery  Parcel")  and  a  41-acre   producing   vineyard
surrounding the winery complex called the "Marina Vineyard". The parcel is owned
pursuant to a  tenancy-in-common  agreement between the Company and Mr. and Mrs.
Henry Wright (the  "Wrights"),  each holding a 50% interest.  The Company leases
the Wright's portion of both the Winery Parcel and the Marina Vineyard  pursuant
to two long-term  leases,  which commenced  retroactively as of January 1, 1988,
and expire on December 31, 2017, subject to certain exceptions.  The annual rent
for the Marina  Vineyard was $116,361 in the year ended March 31, 2001,  subject
to an annual increase determined according to a formula based on premium quality
Carneros  district  Chardonnay  prices.  The annual rent on the Winery Parcel is
$74,250.
     Pursuant to the terms of the tenancy-in-common  agreement, the Wrights have
the  ability at any time to offer their  interest  in the Winery  Parcel and the
Marina Vineyard to the Company,  and, if the Company declines the offer, to list
the entire property for sale to a third party.  The Marina  Vineyard,  currently
planted to Chardonnay, is in the process of being replanted to Pinot Noir.

                                       7



     The Company's two vineyards adjacent to the Marina Vineyard to the east are
comprised of approximately 60 acres planted to Pinot Noir, of which 15 producing
acres are  approximately  20 years old, and 45 newly developed acres that are in
their third year of production.
     In January 1999, the Company  entered into a  lease-purchase  agreement for
approximately  50 acres of  additional  vineyard  property  bordering the Marina
Vineyards to the west.  The new lease  expires on December 31, 2023 and provides
for annual rent  payments of $74,000 in its first year and  increases in various
increments to $121,000 per year by 2023. The terms of the lease also provide for
the Company to purchase  this  property  for $1.1  million in  consideration  of
certain biannual option payments. The Company has planted approximately 41 acres
of this property to Pinot Noir.
     These vineyards are on low rolling clay-loam hills with good  water-holding
capacity. Average rainfall is 22 inches. Two small reservoirs currently exist on
these  properties and a third reservoir will be created in the summer of 2003 to
meet the vineyard's current and future irrigation needs.
     None  of this  property  is  frost  protected  but,  due to  elevation  and
location,  no  significant  losses have  occurred to date from frost.  There are
currently no plans to install frost protection.
     Grapes from the equivalent of  approximately  175 additional  acres, all in
the  Carneros  district and owned by  independent  growers  under  long-standing
contracts to Acacia,  have  accounted for the majority of the 60,000 case annual
production.
     With the increased Company-owned planting, the Company anticipates Acacia's
annual  production to increase to approximately  95,000 cases over the next four
years.

HEWITT VINEYARD

     In January  2000,  the Company  purchased  two adjacent  parcels of land in
Rutherford,  California  comprising 69 acres containing two private homes and an
historic Cabernet Sauvignon vineyard. The Company announced in July 2000 that it
had sold the  10,000-square  foot Hewitt House and four  surrounding  landscaped
acres for $7.3 million.  The vineyard consists of 68 acres, 58 that are planted,
and is believed to be among the finest  vineyard land in Napa  Valley's  notable
Rutherford  Bench.  The Company is using the property to produce a luxury-priced
single vineyard Cabernet Sauvignon wine that will be released under a new label,
Hewitt  Vineyard.  This wine is expected to debut in 2004 with a limited  annual
release.  Ultimately,  the  Company  anticipates  the  vineyard to produce up to
15,000 cases of this luxury quality wine.

SUSCOL CREEK VINEYARD

     In March  2000 the  Company  purchased  164  acres of land at the  southern
gateway to Napa  County.  The  property  consists of a 50-acre  vineyard  and 40
unplanted but plantable acres of vineyard land that is called Suscol Creek.

CANOE RIDGE VINEYARD

     The Canoe Ridge  Vineyard  is located in eastern  Washington  State,  at an
altitude  of  approximately  800 feet on the eastern  slope of the Canoe  Ridge,
overlooking the Columbia River.  The vineyard is in the Columbia Valley AVA. The
Canoe Ridge winery has an annual  production  capacity of  approximately  32,000
cases, and produces  primarily Merlot,  Cabernet  Sauvignon and small amounts of
Chardonnay.
     Of  the  vineyard's  approximately  275  acres,  of  which  169  acres  are
plantable,  161  acres  are  now  planted  to  Merlot,  Cabernet  Sauvignon  and
Chardonnay grapes. Although temperatures during the winter months can fall below
freezing,  the  vineyard's  altitude,  easterly  exposure,  and closeness to the
Columbia River, along with the Company's viticultural practices, are believed to
reduce  the  potential  for  freeze   damage.   The   grapevines  are  grown  in
well-drained,  sandy-loam soil. The vineyard has an average annual rainfall of 6
inches and is irrigated  with water from the  Columbia  River under an agreement
with an adjoining farm.

SAGELANDS VINEYARD

     On June 15, 1999 the Company  purchased  Staton  Hills(R)  Winery,  and its
adjacent  vineyards in Yakima  County,  Washington.  The purchase price included
contracts  covering  approximately 90 acres in Washington  State's Yakima Valley
and Horse Heaven Hills.  The vineyard is located in the Columbia Valley AVA. The
winery is located on a 121-acre parcel,  none of which are currently  planted to
grapes.  In addition to the vineyard area, the property includes a 20,000-square
foot  production  and tasting  facility  with an annual  production  capacity of
40,000 cases.
     At the time of purchase,  the Company also  entered  into  long-term  grape
contracts  for a total of 350  acres.  The Staton  Hills  facility  was  renamed
Sagelands Vineyard and the new brand was launched in January 2000.
     Sagelands  Vineyard focuses on Cabernet Sauvignon and Merlot from the "Four
Corners" of Columbia Valley AVA. These four areas are Rattlesnake Hills, Wahluke
Slope,  Horse Heaven Hills,  and Walla Walla  Valley.  The winery is believed to
eventually be able to produce  approximately 140,000 cases. The Company retained
the Staton Hills Winery brand and continues to produce wine under this mark.

PROVENANCE VINEYARDS

     In August 2002 the Company announced it had purchased a winery in the heart
of the Rutherford  District for the home of Provenance  Vineyards,  its new Napa
Valley Cabernet  Sauvignon  winery.  Formerly known as Chateau Beaucanon Winery,
the  winery  and 45 acres of  estate  vineyard  are  located  on  Highway  29 in
Rutherford. Provenance purchases most of its grapes through long term agreements
with growers in Rutherford  and Oakville  districts  for Cabernet  Sauvignon and
buys a small amount of Merlot from a grower in the Carneros District. The winery
is permitted to produce 36,000 cases a year.

DUHART-MILON

     Duhart-Milon  is located in the Medoc  region of Bordeaux,  France,  in the
town of Pauillac.  The Company holds a 23.5%  interest in Societe Civile Chateau
Duhart-Milon ("Duhart-Milon"). The remaining 76.5% interest is owned by DBR. The
property consists of approximately 166

                                       8



acres of producing  vineyards  adjacent to the  vineyards of the world  renowned
Chateau  Lafite-Rothschild and its related winemaking  facilities.  In 1855, the
French  Government  classified  the top 62  wine-producing  estates in the Medoc
region,  choosing from over 400 such estates.  These top 62 estates were further
classified into five "growths," based on their perceived quality. "First growth"
was considered the best. Under this classification system, Duhart-Milon is rated
a "fourth growth" estate. The average annual production in recent years has been
approximately  35,000  cases.  Duhart-Milon  wines are sold  under the  "Chateau
Duhart-Milon" and "Moulin de Duhart" labels.

ITEM 3.  LEGAL PROCEEDINGS.

     The  Company  had  previously  disclosed  an  alleged  violation of Section
25502(a)(2) of the California  Business and  Professions  Code based on a notice
received in 1998 from the California  Department of Alcoholic  Beverage Control.
The ultimate  disposition of this alleged violation remains pending. The Company
believes that the ultimate  outcome will not have a material  adverse  effect on
the Company's  consolidated financial condition or the results of its operations
or its cash flows.

     The  Company  is  subject  to  litigation  in the  ordinary  course  of its
business.  In the  opinion of  management,  the  ultimate  outcome  of  existing
litigation will not have a material adverse effect on the Company's consolidated
financial condition or the results of its operations or its cash flows.

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS.

     No matter was submitted to a vote of security holders of the Company during
the fourth quarter of the fiscal year covered by this Report.

                                     PART II

ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED SHAREHOLDER MATTERS.

     The Company's common stock has been traded in the  over-the-counter  market
since the Company's  initial  public  offering on May 18, 1984, and is listed in
the Nasdaq National Market System,  under the symbol "CHLN." The following table
sets forth the high and low quotations for the stock for each quarter during the
past  two  years,  as  reported  by  Nasdaq.  The  prices  reflect  inter-dealer
quotations  without  retail  markups,  markdowns  or  commissions,  and  do  not
necessarily represent actual transactions.


          Quarter Ended                   High                  Low
 ------------------------------  --------------------  -------------------
  December 31, 2002              $               9.55  $              7.61
  September 30, 2002                             9.80                 7.50
  June 30, 2002                                 11.15                 8.25
  March 31, 2002                                11.52                 9.16

  December 31, 2001                              9.15                 8.85
  September 30, 2001                             9.65                 8.88
  June 30, 2001                                  8.60                 8.25

  March 31, 2001                                 9.38                 7.72
  December 31, 2000                              9.50                 7.75
  September 30, 2000                            10.63                 7.63
  June 30, 2000                                  8.62                 7.81


      On March 14,  2003 the  closing  price for the common  stock was $8.09 per
share.  The average weekly trading volume of the stock was  approximately  2,967
shares during the year ended December 31, 2002.


      HOLDERS OF RECORD.

     As of March 14, 2003, there were  approximately  5,008 holders of record of
the Company's stock.


                                       9



     DIVIDENDS.

     To date, the Company has not paid any cash dividends.

     Under the terms of certain of the Company's credit facilities,  the Company
is  restricted  from  paying  dividends  in excess of 25% of its  aggregate  net
income.

ITEM 6. SELECTED FINANCIAL DATA.

     The  following  selected  consolidated  financial  data for the year  ended
December 31, 2002,  nine-month  transition  period ended  December 31, 2001; and
fiscal years ended March 31, 2001, 2000, and 1999 are derived from the Company's
audited consolidated  financial  statements.  Financial data for the nine months
ended  December 31, 2002 is derived from the  Company's  unaudited  consolidated
financial  statements  and is furnished with a view to providing the reader with
comparative  results for the prior nine-month  period,  which coincides with the
Company's current reporting period. This data should be read in conjunction with
the financial  statements and notes thereto.  See "Item 8. Financial  Statements
and Supplementary Data."





                             SELECTED FINANCIAL DATA

                      (IN THOUSANDS EXCEPT PER SHARE DATA)


                                                      Nine Months ended         Year ended
                                                        December 31,            Dec 31,        Year ended March 31,
                                                    ---------------------------------------------------------------------
                                                      2002          2001           2002     2001        2000        1999
                                                    ---------------------------------------------------------------------
                                                   (Unaudited)
                                                                                               

STATEMENT OF OPERATIONS:
   Net revenues                                     $ 51,504      $ 41,194      $ 67,005  $ 57,695    $ 49,227   $ 40,970
   Gross profit                                       16,777        15,590        22,128    18,252      20,692     17,769
   Other operating revenues, net                         (41)          195          (448)      213          40        194
   Selling, general and administrative expenses      (10,521)       (9,884)      (13,700)  (12,342)    (11,711)    (8,949)
   Operating income                                    6,215         5,901         7,980     6,123       9,021      9,014
   Interest expense                                   (3,641)       (3,217)       (4,549)   (3,824)     (2,225)    (1,761)
   Other income                                          (63)            6           (43)      891           -          -
   Equity in net income of Duhart-Milon                  694           509           842       761         735        766
   Minority interest                                    (542)         (512)         (748)     (377)     (1,290)    (1,219)
   Carmenet fire settlement gain                           -             -             -         -           -      4,447
   Net income                                         $1,818        $1,593      $  2,296  $  2,050    $  3,681   $  6,636

   Net income per common share                        $ 0.15        $ 0.15        $ 0.19  $   0.20    $   0.34   $   0.77

BALANCE SHEET DATA:
   Working capital                                  $ 57,986      $ 52,276      $ 57,986  $ 41,381    $ 29,981   $ 49,192
   Total assets                                      200,194       183,909       200,194   157,891     145,665    103,471
   Long-term obligations less current maturities      59,082        50,061        59,082    49,490      31,041     35,273
   Shareholders' equity                               94,793        91,315        94,793    75,134      73,672     58,291



     In July 2002,  the  Company  shifted a major  distribution  channel  from a
broker to a  distributor.  Commissions  and shipping costs incurred for sales to
the broker were recorded as selling,  general and administrative  expenses. Case
prices charged to the distributor  have been reduced by an amount equal to these
commission  and shipping  costs.  This caused a reduction of $1,266,000 in gross
revenues  for the year ended  December  31,  2002,  when  compared  to  previous
periods. For comparability  purposes, the Company reclassified  $2,130,000,  for
the nine months ended December 31 2001, $2,866,000, $2,230,000 and $1,856,000 of
commissions and shipping costs from selling, general and administrative expenses
to net revenues for the fiscal  years ended March 31, 2001,  2000 and 1999.  The
reclassification made for the fiscal year ended March 31, 2001 was made only for
the purpose of  information  presented  in the MD&A,  and is not included in the
actual financial statements presented in Item 8.


ITEM 7. MANAGEMENT'S  DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
OF OPERATIONS.

INTRODUCTION

     In the  ordinary  course  of  business,  the  Company  has made a number of
estimates and assumptions relating to the reporting of results of operations and
financial condition in the preparation of its financial statements in conformity
with accounting  principles  generally accepted in the United States of America.
Actual results could differ  significantly  from those estimates under different
assumptions and conditions.  The Company believes that the following  discussion
addresses the Company's most critical accounting policies,  which are those that
are most  important to the  portrayal of the Company's  financial  condition and
results. The Company constantly re-evaluates these significant factors and makes
adjustments

                                       10



where facts and  circumstances  dictate.  Historically,  actual results have not
significantly  deviated  from those  determined  using the  necessary  estimates
inherent in the preparation of financial  statements.  Estimates and assumptions
include, but are not limited to, customer receivables,  inventories, assets held
for sale, fixed asset lives,  contingencies and litigation. The Company has also
chosen certain accounting policies when options were available, including:

     o   The  first-in,  first-out  (FIFO)  method  to value a  majority  of our
         inventories; and
     o   The intrinsic  value method,  or APB Opinion No. 25, to account for our
         common stock incentive awards; and
     o   We  record  an  allowance  for  credit  losses  based on  estimates  of
         customers' ability to pay. If the financial  condition of our customers
         were to deteriorate, additional allowances may be required.

     These accounting policies are applied consistently for all years presented.
Our  operating  results  would be  affected  if other  alternatives  were  used.
Information  about the  impact  on our  operating  results  is  included  in the
footnotes to our consolidated financial statements.
     The Company changed its fiscal year end from March 31 to December 31 in May
2001. As a result, in item 7 the Company discusses the results of operations for
the fiscal year ended December 31, 2002; the nine-month  transition period ended
December 31, 2001;  the nine-month  periods ended December 31, 2002  (unaudited)
and December 31, 2000 (unaudited); and the fiscal year ended March 31, 2001.
     The following  discussion and analysis  should be read in conjunction  with
the  Selected  Financial  Data  presented  in Item 6  hereto  and the  Company's
Consolidated Financial Statements and related notes in Item 8 hereto.

FORWARD LOOKING STATEMENTS

     From time to time, information provided by the Company,  statements made by
its employees,  or  information  included in its filings with the Securities and
Exchange Commission  (including this Form 10-K) may contain statements which are
not historical  facts, so called "forward-looking  statements" that involve risk
and  uncertainties.  Forward-looking  statements  are made  pursuant to the safe
harbor provisions of the Private Securities  Litigation Reform Act of 1995. When
used in  this  Form  10-K,  the  terms  "anticipates,"  "expects,"  "estimates,"
"intends,"  "believes," and other similar terms as they relate to the Company or
its  management  are intended to identify such forward  looking  statements.  In
particular,  statements made in this Item 7., and the President's  Letter to the
Shareholders  relating to projections or predictions  about the Company's future
investments  in  vineyards  and  other  capital  projects  are  forward  looking
statements.  The Company's actual future results may differ  significantly  from
those  stated in any  forward-looking  statements.  Factors  that may cause such
differences include, but are not limited to ((3)) reduced consumer spending or a
change in consumer  preferences,  which could  reduce  demand for the  Company's
wines;  (ii) competition from numerous domestic and foreign wine producers which
could  affect the  Company's  ability to sustain or grow its volume and revenue;
(iii)  interest  rates and other  business and economic  conditions  which could
increase  significantly the cost and risks of borrowings associated with present
and  projected  capital  projects;  (iv)  the  price  and  availability  in  the
marketplace  of  grapes  meeting  the  Company's  quality  standards  and  other
requirements;  (v) the effect of  weather,  agricultural  pests and  disease and
other  natural  forces on growing  conditions  and,  in turn,  the  quality  and
quantity of grapes produced by the Company;  and (vi)  regulatory  changes which
might restrict or hinder the sale and/or  distribution  of alcoholic  beverages.
Each of these factors,  and other risks  pertaining to the Company,  the premium
wine  industry  and general  business and  economic  conditions,  are more fully
discussed  herein and from time to time in other filings with the Securities and
Exchange Commission.

RECENT  ACCOUNTING  PRONOUNCEMENTS  - The Financial  Accounting  Standards Board
(FASB) has issued the following accounting pronouncements:

     SFAS No. 143,  Accounting for Asset  Retirement  Obligations.  SFAS No. 143
requires  that  an  obligation   associated  with  the  retirement  of  tangible
long-lived  assets and the associated  asset retirement costs be recognized as a
liability  when incurred.  Upon initial  recognition of a liability for an asset
retirement  obligation,  an entity would  capitalize that cost by recognizing an
increase  in the  carrying  amount of the related  long-lived  asset by the same
amount as the  liability.  An entity  would  subsequently  allocate  that  asset
retirement  cost to expense  using a  systematic  and  rational  method over its
useful  life.  The  Company  has  adopted  SFAS No.  143 for its  calendar  year
beginning  January  1,  2003.  The  adoption  of SFAS No.  143 should not have a
material effect on the Company's operating results or financial position.
     SFAS No.145,  Rescission of FASB Statements No. 4, 44, and 64, Amendment of
FASB Statement No. 13, and Technical  Corrections.  This Statement rescinds SFAS
No. 4, Reporting Gains and Losses from  Extinguishment of Debt, and an amendment
of  that  Statement,  SFAS  No.  64,  Extinguishments  of Debt  Made to  Satisfy
Sinking-Fund  Requirements.  This Statement  amends SFAS No. 13,  Accounting for
Leases,  to  eliminate an  inconsistency  between the  required  accounting  for
sale-leaseback  transactions  and the  required  accounting  for  certain  lease
modifications that have economic effects similar to sale-leaseback transactions.
The Statement also amends other existing  authoritative  pronouncements  to make
various technical corrections, clarify meanings, or describe their applicability
under changed conditions. The adoption of SFAS No. 145 is not expected to have a
material effect on the Company's consolidated financial statements.
     SFAS  No.146,  Accounting  for  Costs  Associated  with  Exit  or  Disposal
Activities.  This  Statement  addresses  financial  accounting and reporting for
costs associated with exit or disposal  activities and nullifies Emerging Issues
Task Force (EITF) Issue No. 94-3,  "Liability  Recognition for Certain  Employee
Termination  Benefits  and Other  Costs to Exit an Activity  (including  Certain
Costs  Incurred in a  Restructuring)."  The  provisions  of this  Statement  are
effective for exit or disposal  activities that are initiated after December 31,
2002. The adoption of SFAS No. 146 is not expected to have a material  effect on
the Company's consolidated financial statements.
     SFAS No.148, Accounting for Stock-Based Compensation. This Statement amends
SFAS No. 123,  Accounting for Stock-Based  Compensation,  to provide alternative
methods of transition  for a voluntary  change to the fair value based method of
accounting for stock-based employee  compensation.  In addition,  this Statement
amends  the  disclosure  requirements  of  Statement  123 to  require  prominent
disclosures in both annual and interim financial  statements about the method of
accounting for stock-based  employee  compensation  and the effect of the method
used on reported  results.  This  Statement  permits two  additional  transition
methods  for  entities  that  adopt  the  preferable  method of  accounting  for
stock-

                                       11



based  employee  compensation.  Both of those  methods  avoid the  ramp-up
effect arising from prospective  application of the fair value based method.  In
addition, to address concerns about the lack of comparability caused by multiple
transition  methods,  this  Statement  does not permit  the use of the  original
Statement 123  prospective  method of  transition  for changes to the fair value
based method made in fiscal years beginning after December 15, 2003. The Company
has not yet evaluated  whether to adopt this  statement nor has it evaluated the
potential  impact on the  Company's  consolidated  financial  statements  if the
statement  is adopted.  As of  December  31,  2002,  the Company has adopted the
disclosure  requirements  of the Statement and continues to follow the intrinsic
value method to account for stock-based employee compensation.
     FASB   Interpretation  No.  45,   Guarantor's   Accounting  and  Disclosure
Requirements for Guarantees,  Including  Indirect  Guarantees of Indebtedness of
Others. The interpretation  clarifies that a guarantor is required to recognize,
at the  inception  of a  guarantee,  a  liability  for  the  fair  value  of the
obligation  undertaken in issuing the guarantee.  It also significantly  expands
the disclosures guarantors must include in their financial statements. While the
interpretation's accounting provisions are effective prospectively to guarantees
issued  or  modified  after  December  31,  2002,  its  disclosure  requirements
generally  apply to all guarantees and must be included in financial  statements
of interim and annual  periods  ending after  December 15, 2002. The adoption of
Interpretation No. 45 is not expected to have a material effect on the Company's
consolidated financial statements.
     FASB  Interpretation  No. 46,  Consolidation of Variable Interest Entities,
addresses consolidation by business enterprises of variable interest entities in
which 1) the equity  investment  is  insufficient  for the entity to finance its
activities without additional financial support through other interests who will
absorb some or all of the entity's  expected losses,  or 2) the equity investors
lack one or more  essential  characteristics  of a controlling  interest.  Those
characteristics  include  the  ability  to  make  decisions  about  an  entity's
activities through voting rights or similar rights; the obligation to absorb the
entity's expected losses,  which makes it possible for the entity to finance its
activities;  and the right to receive the entity's  expected residual returns as
compensation for the risk of absorbing expected losses.  This  interpretation is
effective  for the Company no later than the third  quarter of 2003,  and is not
currently  expected  to have a  material  effect on the  Company's  consolidated
financial statements.


RESULTS OF OPERATIONS

      The  following  table  represents  financial  data as a percentage  of net
revenues for the indicated periods:




                                                 Year ended                 Nine Months               Year ended
                                                December 31,            ended December 31,             March 31,
                                                -----------       ------------------------------      ----------
                                                   2002           2002         2001        2000         2001
                                                -----------       ------------------------------      ----------
                                                                                         

Net revenues                                       100 %          100 %        100 %       100 %        100 %
Gross profit                                        33 %           33 %         38 %        32 %         32 %
Other operating revenues, net                       (1)%            0 %          0 %         0 %          0 %
Selling, general and administrative expenses       (20)%          (20)%        (24)%       (23)%        (21)%
Operating income                                    12 %           12 %         14 %        10 %         11 %
Interest expense, net                               (7)%           (7)%         (8)%        (7)%         (7)%
Other income                                         0 %            0 %          0 %         2 %          2 %
Equity in net income of Chateau Duhart-Milon         1 %            1 %          1 %         1 %          1 %
Minority interest                                   (1)%           (1)%         (1)%        (1)%         (1)%
Net income                                           3 %            4 %          4 %         4 %           4%



     As previously noted, in July 2002, the Company shifted a major distribution
channel from a broker to a distributor.  Commissions and shipping costs incurred
for sales to the broker were  recorded as  selling,  general and  administrative
expenses.  Case prices charged to the distributor have been reduced by an amount
equal to these  commission and shipping costs.  This caused a reduction of 1% in
gross  profit  and  a  corresponding  increase  of 2% in  selling,  general  and
administrative  costs for the year ended  December  31, 2002,  when  compared to
previous  periods.   For  comparability   purposes,   the  Company  reclassified
commissions and shipping costs from selling, general and administrative expenses
to net revenues for the nine months ended December 31, 2001 and the fiscal years
ended  March  31,  2001,  2000 and 1999.  This  reclassification  resulted  in a
decrease  in gross  profit of 3%, 3% and 2%,  and a  corresponding  increase  in
selling,  general and administration  costs of 4%, 2% and 3% for the nine months
ended  December  31,  2001,  the  fiscal  year  ended  March 31,  2001,  and the
nine-months ended March 31, 2000.


     REVENUES

     Net revenues for the year ended December 31, 2002  increased  $25.8 million
or 63% as compared  to the  nine-month  period  ended  December  31,  2001.  Net
revenues for the nine months ended December 31, 2002, increased $10.3 million or
25% over the  comparable  period in the  preceding  year.  The  increase in 2002
relative to  comparable  periods in 2001 is primarily  due to the tragic  events
surrounding   September  11,  2001  and  the  consequential   economic  downturn
experienced   by  the   hospitality   industry.   Had  sales   trends   remained
uninterrupted,  2002  revenue  increases  would have been more  consistent  with
comparable  periods. To a lesser extent, the increases in 2002 net revenues were
influenced  by the sale of the  Carmenet  brand  and  related  inventories.  Net
revenues for the  nine-months  ended December 31, 2001 decreased $3.0 million or
7% over the

                                       12



comparable  period in the prior  year.  Once more,  the  decrease in net revenue
reflects the economic decline resulting from the  aforementioned  events,  which
was most acutely felt by the Company in the last three months of 2001.

     GROSS PROFIT

     Gross profit for the year ended December 31, 2002 increased $6.5 million or
42% as compared to the nine-months ended December 31, 2001. Gross profit for the
nine months ended  December 31, 2002 increased $1.2 million over the  comparable
period in the  preceding  year.  This was  primarily  the result of sales volume
growth offset by increased  discounts and slightly higher costs  attributable to
the release and sale of 2001 vintage wines.
     Gross profit for the  nine-months  ended  December 31, 2001  increased $1.5
million  or 11% over the  comparable  period  in the  preceding  year.  This was
primarily the result of lower costs attributable to the release and sale of 2000
vintage wines.
     The gross  profit percentage  remained  consistent at 33% for  the year and
nine months  ended  December  31,  2002,  compared to 38%  reported for the nine
months ended  December 31, 2001.  This  decrease on gross profits is as expected
due to an oversupply of premium wine and increased  competition  within the wine
industry.  Gross  profit  percentage  increased to 38% for the nine months ended
December 31, 2001,  compared to 31% for the nine months ended  December 31, 2000
due to increased  average  sales  prices  coupled with lower per unit wine costs
resulting from higher 1996 and 1997 harvest yields.

     OTHER OPERATING REVENUES, NET

     Revenue from other operations  primarily consists of net profit (loss) from
sales of bulk  wine and  revenue  obtained  from  third-party  wineries,  net of
related  expenses,  for grape  crushing  or wine  bottling.  This  aspect of the
Company's operation is normally not significant.  The Company cannot predict the
significance  of such  operations  in the  future,  as this source of revenue is
highly  unpredictable and largely contingent on other wineries' demand for extra
production capacity, which can and does vary significantly from year to year.
     Such revenue for the year ended  December 31, 2002 decreased $.6 million as
compared to the  nine-months  ended December 31, 2001. Such revenue for the nine
months ended December 31, 2002 decreased $.2 million over the comparable  period
in the preceding  year. Such revenue for the nine months ended December 31, 2001
decreased $.04 million over the comparable  period in the preceding  year.  This
was  attributable  to an  increase  in losses on the sale of bulk  wine,  due to
quality or other  factors,  for product  that is not  required in the  Company's
product line.


     SELLING, GENERAL AND ADMINISTRATIVE EXPENSES

     Selling,  general and  administrative  expenses for the year ended December
31,  2002,  increased  $3.8 million or to 20% of net revenues as compared to the
nine-month period ended December 31, 2001.  Selling,  general and administrative
expenses for the nine-months ended December 31, 2002,  decreased from 24% to 20%
of net revenues as compared to the  nine-month  period ended  December 31, 2001.
This  decrease  is due to an  increase  in sales  volume and the  resulting  net
revenues growth.  These changes are due to a strategic focus to grow selling and
marketing  expenditures to remain  competitive in these difficult economic times
offset by strict operating expense control.
     The Company reduced its selling,  general and administrative  costs by $.01
million  for  the  nine-months  ended  December  31,  2001  as  compared  to the
comparable period in the preceding year.

     OPERATING INCOME

     Operating  income for the year  ended  December  31,  2002  increased  $2.0
million or 35% as compared to the  nine-month  period  ended  December 31, 2001.
Operating  income for the  nine-months  ended  December 31, 2002  increased  $.3
million or 5% as compared to the  nine-month  period  ended  December  31, 2001.
Operating  income for the  nine-months  ended  December 31, 2001  increased $1.6
million or 37% as compared to the nine-month period ended December 31, 2000. The
increases  are due to the  increase in gross  profits,  partially  offset by the
increases in selling, general and administrative expenses as described above.

     INTEREST EXPENSE

     For the year ended December 31, 2002,  interest  expense  increased by $1.3
million or 41% as compared to the  nine-month  period  ended  December 31, 2001.
Interest  expense for the nine months ended December 31, 2002 and 2001 increased
$.4 million and $.3 million,  respectively,  over the comparable  periods in the
preceding  year.  This  increase  was a result  of  higher  average  outstanding
borrowings,  which are a result of continuing  capital  expenditures  related to
winery and vineyard  expansions,  amortization  of  indebtedness  renewal  costs
offset by a reduction in interest rates with the Company's  revolving bank loan.
Additionally,  interest expense  increased from the issuance of  two-convertible
subordinated  promissory notes. The notes are more fully described in "Liquidity
and Capital Resources - Borrowing Arrangements" below.

     OTHER INCOME

     For the year ended December 31, 2002,  other income  decreased $.05 million
as compared to the nine-month  period ended December 31, 2001.  Other income for
the nine months  ended  December  31, 2002 and 2001  decreased  $.07 million and
increased  $.9  million,  respectively,  over  the  comparable  periods  in  the
preceding year. Although not significant to the Company's operations,  the other
income is due to net gains (losses) from the sale of non-strategic assets during
2002.
     For the  nine-months  ended December 31, 2000, the increase in other income
was the net result of the sale of the  10,000-square  foot Hewitt House and four
surrounding landscaped acres.

     EQUITY IN NET INCOME OF DUHART-MILON

                                       13



     The Company's 23.5% equity  interest in the net income of Duhart-Milon  for
the year ended  December  31, 2002 and for the nine months  ended  December  31,
2002,  2001  and  2000  were  $842,000,   $694,000,   $509,000,   and  $714,000,
respectively.
     The Company monitors its investment in Duhart-Milon  primarily  through its
on-going  communication  with DBR.  Such  communication  is  facilitated  by the
presence  of  DBR's   representation   on  the  Company's  Board  of  Directors.
Additionally,  various key  employees  of the Company  make  periodic  visits to
Duhart-Milon's offices and production facilities.
     Since the investment in Duhart-Milon is a long-term investment  denominated
in a  foreign  currency,  the  Company  records  the gain or loss  for  currency
translation in other comprehensive income or loss, which is a separate component
of shareholders'  equity. The amount recorded was decreased to $3.5 million from
$4.6 million for the year ended December 31, 2002 as compared to the prior year,
due to the  increase in the  relative  worth of the "EURO" when  compared to the
U.S. dollar.

     MINORITY INTEREST

     The minority interest in the net income of Edna Valley Vineyard ("EVV") and
Canoe Ridge Vineyard, LLC ("CRV") consists of the following (IN THOUSANDS):





                                                                Nine Months Ended    Year Ended     Year Ended
                                                                   December 31,     December 31,    March 31,
                                                                ------------------  --------------------------
Venture                  Minority Owner                         2002          2001      2002           2001
- -------                  --------------                         ------------------  --------------------------
                                                                                       

Edna Valley Vineyard     Paragon Vineyard Co., Inc. (50.0%)     $542          $512     $ 748          $ 165
Canoe Ridge Vineyard     Various (49.5%)                           -             -         -            212
                                                                ------------------- ---------------------------
                                                                $542          $512     $748           $ 377
                                                                =================== ===========================


     The financial  statements of Edna Valley Vineyard  ("EVV") are consolidated
with the Company's  financial  statements.  The interest in EVV  attributable to
parties  other than the Company is accounted for as a "minority  interest".  The
increase  in  minority  interest  was $.2  million,  or 46% for the  year  ended
December 31, 2002 as compared to the  nine-months  ended  December 31, 2001. The
minority  interest  for the nine  months  ended  December  31,  2002  and  2001,
increased  $.03  million and $.2 million,  respectively.  These  increases  were
primarily  due to increased EVV net income  attributable  to higher sales volume
with EVV wines.  The Company  acquired the remaining 49.5% minority  interest in
Canoe Ridge  Vineyard,  LLC from the other  partners in February  2001.  Company
management  believes that EVV will continue to contribute  significantly  to the
Company's consolidated results of operations.

     NET INCOME

     Net  income for the year  ended  December  31,  2002 was $2.3  million,  an
increase  of $.7  million,  or 44% as compared to the  nine-month  period  ended
December 31, 2001.  Net income for the  nine-months  ended December 31, 2002 and
2001, increased $.2 million and $.02 million as compared to the preceding period
in the prior year.  These increases were primarily due to increased sales volume
offset by higher  selling,  general and  administrative  expenses  and  interest
expense.

SEASONALITY

     The  Company's  wine sales from quarter to quarter are highly  variable due
to, among other things,  the timing of the release of wines for sale and changes
in consumer  demand.  Sales are typically  strongest  during the fourth  quarter
because of heavy  holiday  sales and because most wines  generally  are released
during the end of the third and beginning of the fourth quarters.

LIQUIDITY AND CAPITAL RESOURCES

     WORKING CAPITAL

     Working  capital  as  of  December  31, 2002 was $58  million,  compared to
$51.7  million at December 31, 2001.  The $6.3  million  increase was  primarily
attributable  to an increase in inventory  ($4.6  million)  accounts  receivable
($4.3 million),  accounts payable and accrued  liabilities ($3.8 million) offset
by a net increase in revolving bank loan borrowings ($6.4 million).
     The  Company  has  historically  funded its  growth  through  increases  in
borrowings and cash flow from operations. During 2002, the Company's primary use
of its capital was to finance capital  expenditures of $18.05 million and a $4.6
million increase in inventory.
     Management  expects  that the  Company's  working  capital  needs will grow
significantly  to support  expected  future growth in sales  volume.  Due to the
lengthy  aging and  processing  cycles  involved  in  premium  wine  production,
expenditures  for  inventory and fixed assets need to be made one to three years
or more in advance of  anticipated  sales.  The  Company  currently  expects its
operating  and capital  spending  requirements  will total  approximately  $78.4
million for the year ending December 31, 2003.
     The  Company   expects  to  finance  these  future  capital  needs  through
operations,  security  offerings,  and  additional  borrowings.  There can be no
assurance  that the  Company  will be able to  obtain  this  financing  on terms
acceptable to the Company.


      BORROWING ARRANGEMENTS

     On September 15, 2000 the Company refinanced certain borrowings through the
issuance of $30 million of Senior  Unsecured Notes (the "2000 Notes").  Proceeds
from the Notes were used to repay a portion of the Company's revolving bank loan
in the amount of $20  million  and to

                                       14



repay $10  million of another $30  million  term loan.  Interest on the Notes is
payable  quarterly at rates ranging from 8.90% to 9.05%,  as amended on February
9, 2001,  and principal  repayments are scheduled  beginning  September 15, 2004
through  maturity on September 15, 2010. In  connection  with this  refinancing,
maximum revolving debt borrowings were reduced from $40 million to $25 million.
     The Notes were issued pursuant to a Note Purchase Agreement, which contains
restrictive  covenants  including  requirements  to maintain  certain  financial
ratios and restrictions on additional  indebtedness,  asset sales,  investments,
and payment of  dividends.  At March 31, 2001 the Company was not in  compliance
with one of these covenants,  however, the Note holders have subsequently waived
such  non-compliance.  At  December  31,  2002  and  2001,  the  Company  was in
compliance with all bank covenants. Management is in constant communication with
our lenders regarding  compliance with the financial  covenants through December
31, 2003. In the event that economic conditions weaken from 2002, one or more of
the  financial  covenants  could be  impacted.  Our  lenders  are  aware of this
possibility  and  management  believes  that a  waiver  or  amendment  could  be
obtained.
     The Company's revolving bank loan expired March 31, 2002 and two extensions
were provided  extending the maturity date to April 30, 2002. On April 22, 2002,
the Company finalized the borrowing  arrangement with the bank that had provided
the revolving  bank loan. The new borrowing  arrangement  with its bank involves
both (1) a $55 million  revolving credit facility secured first by inventory and
accounts  receivable  and second by  substantially  all of the  Company's  fixed
assets (other than certain specified assets),  and (2) a $17.5 million term loan
secured  first by certain of the  Company's  fixed  assets  (other than  certain
specified assets) and second by the Company's inventory and accounts receivable,
each on a pari passu  basis with the holders of the 2000  Notes.  In  connection
with the finalization,  the Company amended certain of the provisions applicable
to the Notes.
     On August 23,  2002,  the Company  acquired  the winery and  vineyard  site
formerly known as Chateau Beaucanon Winery in Rutherford,  California.  The site
will be used as the home for the Provenance  Vineyard brand.  The purchase price
was $8.9 million.
     The acquisition was funded by the issuance of two convertible  subordinated
promissory  notes in exchange  for $11 million in cash (the "2002  Notes").  The
2002 Notes were issued to Les Domaines Baron de Rothschild  (Lafite) ("DBR"), in
the amount of $8.25  million,  and SFI  Intermediate  Limited or its  affiliates
("SFI"),  in the amount of $2.75 million.  The 2002 Notes accrue interest on the
principal  sum at a rate of 9% per  annum.  The  principal  sum and all  accrued
interest are due and payable in full,  two years from the date of the 2002 Notes
(the "Maturity Date"). At the Maturity Date, the Company may elect to pay all of
the outstanding principal and accrued interest in cash or may elect to repay all
or part of these amounts through conversion into shares of Company common shares
at the Conversion  Price of $9.4207 per share (the "Conversion  Price").  DBR or
SFI may elect to convert all outstanding principal only in the event of a change
of control transaction, as defined in the terms of the 2002 Notes.
     In conjunction with the above  activities,  the Company,  its lenders under
the Company's Credit Agreement and its noteholders  under the Company's  Amended
and Restated Note Purchase  Agreement amended the Company's Credit Agreement and
its Amended and Restated Note Purchase Agreement (1) to reflect the lenders' and
noteholders' consent to the Beaucanon  acquisition and the issuance of the Notes
and (2) to make certain  amendments in the Credit  Agreement and the Amended and
restated Note Purchase Agreement,  including the exclusion of the Notes from the
financial covenants contained in those agreements.
     We are exposed to market risk from  changes in  interest  rates.  To manage
this exposure, we have entered into interest rate exchange agreements. We do not
use  financial  instruments  for trading  purposes and we are not a party to any
leveraged derivatives.
     The Financial  Accounting Standards Board ("FASB") has issued SFAS No. 133,
"Accounting for Derivative  Instruments and Hedging  Activities",  as amended by
SFAS No.  138 that  establishes  new  accounting  and  reporting  standards  for
derivative  instruments and hedging activities.  It requires that derivatives be
recognized  in the  balance  sheet at fair value.  (See Note 7 to the  Company's
Consolidated Financial Statements).

DISCLOSURES ABOUT MARKET RISK

     The following  disclosures  should be read in conjunction with Management's
Discussion and Analysis of Financial Condition and Results of Operations.  These
disclosures  are intended to discuss  certain  material  risks of the  Company's
business as they appear to  management at this time.  However,  this list is not
exhaustive. Other risks may, and likely will, arise from time to time.

     OUR REVENUES AND OPERATING RESULTS FLUCTUATE  SIGNIFICANTLY FROM QUARTER TO
QUARTER

     We believe  period-to-period  comparisons of our operating  results are not
necessarily  meaningful,  and  cannot be  relied  upon as  indicators  of future
performance.  In addition, there can be no assurance that our revenues will grow
or be  sustained  in  future  periods  or  that  we will  maintain  our  current
profitability   in  the   future.   Significant   factors  in  these   quarterly
fluctuations,  none of which are within our  control,  are  changes in  consumer
demand for our wines,  the affect of weather and other natural forces on growing
conditions  and, in turn,  the quality  and  quantity of grapes  produced by us,
interest  rates and  inventory  levels and the timing of  releases  for  certain
wines,  among other factors.  Consequently,  we have experienced,  and expect to
continue to experience, seasonal fluctuations in revenues and operating results.
     A large portion of our expenses is fixed and difficult to reduce in a short
period of time.  In quarters  when  revenues do not meet our  expectations,  our
level of fixed expenses tends to exacerbate the adverse effect on net income. In
quarters when our operating  results are below the expectations of public market
analysts or investors, the price of our common stock may be adversely affected.

     OUR BUSINESS IS SEASONAL, WHICH COULD CAUSE OUR MARKET PRICE TO FLUCTUATE

     Our  business is subject to seasonal as well as quarterly  fluctuations  in
revenues and  operating  results.  Sales volume tends to increase  during summer
months and the  holiday  season and  decrease  after the  holiday  season.  As a
result,  our sales and earnings are typically highest during the fourth calendar
quarter and lowest in the first calendar  quarter.  Seasonal factors also affect
our level of borrowing.  For example, our borrowing levels typically are highest
during winter when we have to pay growers for grapes harvested and make payments
related to the harvest.  These and other factors may cause  fluctuations  in the
market price of our common stock.

                                       15



     OUR  PROFITS  DEPEND  LARGELY  ON SALES IN  CERTAIN  STATES AND ON SALES OF
CERTAIN VARIETALS

     In the year ended  December 31, 2002,  approximately  85% of our wine sales
were concentrated in 20 states. Changes in consumer spending in these states and
other  regions of the country  could affect both the quantity and price level of
wines that customers are willing to purchase.
     Approximately  87% of our net  revenues  in the  year  ended  December  31,
2002were  concentrated  in our top four selling  varietal  wines.  Specifically,
sales of Chardonnay,  Pinot Noir,  Cabernet  Sauvignon and Merlot  accounted for
43%, 16%, 14% and 14% of our net revenues, respectively.

      COMPETITION MAY HARM OUR BUSINESS

     The  premium  table  wine  industry  is  intensely  competitive  and highly
fragmented.  Our wines  compete in all of the premium wine market  segments with
many other  premium  domestic  and foreign  wines,  with  imported  wines coming
primarily  from the  Burgundy  and  Bordeaux  regions of France and, to a lesser
extent,  Italy,  Chile,  Argentina,  South Africa and Australia.  Our wines also
compete with  popular-priced  generic wines and with other  alcoholic  and, to a
lesser degree, non-alcoholic beverages, for shelf space in retail stores and for
marketing focus by our independent  distributors,  many of which carry extensive
brand portfolios.
     The wine industry has experienced  significant  consolidation.  Many of our
competitors have greater  financial,  technical,  marketing and public relations
resources  than we do.  Our sales may be harmed to the extent we are not able to
compete successfully against such wine or alternative beverage producers.

      AGRICULTURAL RISKS COULD ADVERSELY AFFECT OUR BUSINESS

     Winemaking  and grape  growing  are  subject to a variety  of  agricultural
risks.  Various diseases,  pests, fungi,  viruses,  drought,  frosts and certain
other weather conditions can affect the quality and quantity of grapes available
to the Company,  decreasing the supply of the Company's  products and negatively
impacting profitability.
     Many  California   vineyards  have  been  infested  in  recent  years  with
phylloxera.   The  Company's  vineyard   properties  are  primarily  planted  to
rootstocks  believed to be resistant  to  phylloxera.  However,  there can be no
assurance that the Company's existing  vineyards,  or the rootstocks the Company
is now using in its planting programs, will not become susceptible to current or
new strains of phylloxera.
     Pierce's  Disease is a vine  bacterial  disease that has been in California
for more than 100 years. It kills  grapevines and there is no known cure.  Small
insects  called   sharpshooters  spread  this  disease.  A  new  strain  of  the
sharpshooter,  the glassy winged,  was discovered in Southern  California and is
believed to be migrating north.  The Company is actively  supporting the efforts
of the agricultural industry to control this pest and is making every reasonable
effort to prevent  an  infestation  in our own  vineyards.  We cannot,  however,
guarantee that we will succeed in preventing contamination in our vineyards.

     Future government  restrictions regarding the use of certain materials used
in grape growing may increase vineyard costs and/or reduce production.
     Grape growing  requires  adequate water supplies.  We generally  supply our
vineyards'  water needs through wells and reservoirs  located on our properties.
We believe that we either have,  or are  currently  planning to insure  adequate
water supplies to meet the needs of all of our vineyards.  However a substantial
reduction in water supplies  could result in material  losses of grape crops and
vines.
     The weather  phenomenon  commonly  referred to as "El Nino"  produced heavy
rains and cooler weather during the Spring of 1999, which resulted in colder and
wetter  soils  than  are  typical  during  California's  grape  growing  season.
Consequently,  the 1999 harvest was postponed by approximately four to six weeks
depending on the geographic  location and  varietals.  The size of the Company's
most significant crops ranged from  normal-sized  yields to 50% of normal yields
(depending on the varietal and particular estate).
     Despite  the  reduction  in the  yield,  the  harvested  estate  crops,  in
combination with contracted grape purchases,  are expected to permit the Company
to  meet  originally   anticipated   sales-projections   for  its  1999  vintage
Chardonnay,  Cabernet,  and Merlot  varietals.  Together  these  varietals  have
historically comprised between 80% to 89% of our aggregate annual production.

     WE MAY NOT BE ABLE TO GROW OR ACQUIRE ENOUGH QUALITY GRAPES FOR OUR WINES

     The adequacy of our grape supply is influenced by consumer  demand for wine
in relation to  industry-wide  production  levels.  While we believe that we can
secure  sufficient  supplies of grapes from a combination  of our own production
and from grape supply contracts with independent  growers,  we cannot be certain
that grape  supply  shortages  will not occur.  A shortage in the supply of wine
grapes could  result in an increase in the price of some or all grape  varieties
and a corresponding increase in our wine production costs.

     AN OVERSUPPLY OF GRAPES MAY HARM OUR BUSINESS.

     Current  trends in the domestic and foreign  wine  industry  point to rapid
plantings of new vineyards and replanting of old vineyards to greater densities,
with the expected  result of  significantly  increasing the worldwide  supply of
premium wine grapes and the amount of wine which will be produced in the future.
This  increase  in grape  production  has  resulted  in an excess of supply over
demand and force wineries to reduce, or not increase prices.

     WE DEPEND ON THIRD PARTIES TO SELL OUR WINE

     We sell our products primarily through independent distributors and brokers
for resale to retail outlets,  restaurants,  hotels and private clubs across the
United  States and in some  overseas  markets.  To a lesser  degree,  we rely on
direct sales from our wineries,  our wine library and direct mail.  Sales to our
largest  distributor and to our ten largest  distributors  combined  represented
approximately 22% and 42%, respectively,  of our net revenues for the year ended
December  31,  2002.  Sales to our ten  largest  distributors  are  expected  to
continue to represent a  substantial  portion of

                                       16



our net revenues in the future.  Effective  July 1, 2002,  the Company  switched
from a single broker to a distributor in California. The laws and regulations of
several states prohibit  changes of  distributors,  except under certain limited
circumstances,   making  it  difficult  to  terminate  a  distributor  for  poor
performance  without  reasonable cause, as defined by applicable  statutes.  Any
difficulty or inability to replace  distributors,  poor performance of our major
distributors  or our  inability to collect  accounts  receivable  from our major
distributors could harm our business.


     NEW REGULATIONS OR INCREASED REGULATORY COSTS COULD HARM OUR BUSINESS

     The wine industry is subject to extensive  regulation by the Federal Bureau
of Alcohol,  Tobacco and Firearms  and various  foreign  agencies,  state liquor
authorities  and local  authorities.  These  regulations  and laws  dictate such
matters  as  licensing  requirements,  trade and  pricing  practices,  permitted
distribution  channels,   permitted  and  required  labeling,   advertising  and
relations  with  wholesalers  and  retailers.  Any  expansion  of  our  existing
facilities or development of new vineyards or wineries may be limited by present
and  future  zoning  ordinances,  environmental  restrictions  and  other  legal
requirements.  In addition,  new  regulations  or  requirements  or increases in
excise taxes, income taxes,  property and sales taxes or international  tariffs,
could reduce our profits. Future legal or regulatory challenges to the industry,
either individually or in the aggregate, could harm our business.

     WE WILL NEED MORE WORKING CAPITAL TO GROW

     The premium wine industry is a capital-intensive  business,  which requires
substantial capital  expenditures to develop and acquire vineyards to improve or
expand wine  production.  Further,  the farming of vineyards and  acquisition of
grapes and bulk wine require  substantial amounts of working capital. We project
the  need  for  significant  capital  spending  and  increased  working  capital
requirements  over the next several  years,  which must be financed by cash from
operations and by additional borrowings or additional equity.

     ADVERSE PUBLIC OPINION ABOUT ALCOHOL MAY HARM OUR BUSINESS

     A number of research  studies  suggest  that  various  health  benefits may
result from the moderate  consumption of alcohol, but other studies suggest that
alcohol  consumption  does not have any health benefits and may in fact increase
the risk of stroke,  cancer and other  illnesses.  If an  unfavorable  report on
alcohol  consumption gains general support,  it could harm the wine industry and
our business.

     WE USE  PESTICIDES AND OTHER  HAZARDOUS  SUBSTANCES IN THE OPERATION OF OUR
BUSINESS

     We use  pesticides and other  hazardous  substances in the operation of our
business. If hazardous substances are discovered on, or emanate from, any of our
properties,  and their release presents a threat of harm to public health or the
environment, we may be held strictly liable for the cost of remediation. Payment
of such costs could have a material  adverse  effect on our business,  financial
condition and results of operations.  We maintain  insurance against these kinds
of risks, and others,  under various insurance policies.  However, our insurance
may not be adequate or may not  continue to be  available at a price or on terms
that are satisfactory to us.

     CONTAMINATION OF OUR WINES WOULD HARM OUR BUSINESS

     We are  subject to certain  hazards and product  liability  risks,  such as
potential  contamination,  through  tampering or otherwise,  of  ingredients  or
products.  Contamination  of any of our  wines  could  result  in the need for a
product  recall,  which could  significantly  damage our  reputation for product
quality,  which we believe is one of our principle  competitive  advantages.  We
maintain  insurance  against certain of these kinds of risks, and others,  under
various general liability and product liability insurance policies. However, our
insurance  may not be adequate or may not continue to be available at a price or
on terms that are satisfactory to us.

     THE LOSS OF KEY EMPLOYEES WOULD DAMAGE OUR REPUTATION AND BUSINESS

     Our success depends to some degree upon the continued  services of a number
of key  employees.  Although some key employees are under  employment  contracts
with us for specific  terms,  the loss of the services of one or more of our key
employees  could harm our business and our  reputation,  particularly  if one or
more of our key  employees  resigns to join a competitor  or to form a competing
company. In such an event, despite provisions in our employment contracts, which
are designed to prevent the unauthorized disclosure or use of our trade secrets,
practices or procedures by such personnel under these  circumstances,  we cannot
be certain  that we would be able to enforce  these  provisions  or prevent such
disclosures.

     SHIFTS  IN  FOREIGN  EXCHANGE  RATES OR THE  IMPOSITION  OF  ADVERSE  TRADE
REGULATIONS COULD HARM OUR BUSINESS

     We conduct some of our import and export  activity  for wine and  packaging
supplies in foreign currencies.  We purchase foreign currency on the spot market
on an as-needed  basis and engage in limited  financial  hedging  activities  to
offset the risk of exchange rate  fluctuations.  There is a risk that a shift in
certain foreign exchange rates or the imposition of unforeseen and adverse trade
regulations  could adversely impact the costs of these items and have an adverse
impact on our operating results.
     In addition,  the  imposition of unforeseen  and adverse trade  regulations
could have an adverse  effect on our  imported  wine  operations.  Export  sales
accounted for approximately 5% of total consolidated revenue for the nine months
ended  December  31,  2002  and the  volume  of  international  transactions  is
increasing, which may increase this risk in the future.

                                       17



     INFRINGEMENT OF OUR TRADEMARKS MAY DAMAGE OUR BRAND NAMES OR OUR BUSINESS

     Our wines are branded consumer products,  and we distinguish our wines from
our  competitors'  by enforcement of our  trademarks.  There can be no assurance
that  competitors  will refrain from  infringing our marks or using  trademarks,
tradenames or trade dress which dilute our intellectual property rights, and any
such actions may require us to become  involved in  litigation  to protect these
rights.  Litigation  of this  nature can be very  expensive  and tends to divert
management's time and attention.

     OUR  ACQUISITIONS  AND POTENTIAL  FUTURE  ACQUISITIONS  INVOLVE A NUMBER OF
RISKS

     Our acquisition of Provenance  Vineyards,  Hewitt  Vineyard,  Suscol Ranch,
Staton Hills Winery  (renamed  Sagelands  Vineyard),  the Jade  Mountain  brand,
enlarging Canoe Ridge Vineyard and buying out our partners, and potential future
acquisitions  involve risks associated with  assimilating  these operations into
our Company;  integrating,  retaining and motivating key personnel;  integrating
and managing geographically-dispersed  operations integrating the technology and
infrastructures  of disparate  entities;  risks  inherent in the  production and
marketing  wine and  replanting of existing  vineyards from white wine grapes to
red wine grapes.
     We  relied on debt  financing  to  purchase  Provenance  Vineyards,  Hewitt
Vineyard,  Suscol Ranch, Staton Hills Winery, the Jade Mountain brand, enlarging
Canoe Ridge  Vineyard and buying out our partners  and other  vineyard  land and
related  assets  during the  fiscal  years  ended  December  31,  2001 and 2002.
Consequently  our  debt-to-equity  ratio is high in relation  to our  historical
standards,  even  after the  successful  completion  of our rights  offering  in
November 2001. The interest  costs  associated  with this debt will increase our
operating expenses and the risk of negative cash flow.

     THE MARKET PRICE OF OUR COMMON STOCK FLUCTUATES

     All of the  foregoing  risks,  among  others not known or mentioned in this
report, may have a significant  effect on the market price of our shares.  Stock
markets have experienced  extreme price and volume trading  volatility in recent
months and years.  This  volatility  has had a substantial  effect on the market
prices of  securities  of many  companies  for reasons  frequently  unrelated or
disproportionate  to the specific company's operating  performance.  These broad
market fluctuations may reduce the market price of our shares.




                                       18




ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

                          THE CHALONE WINE GROUP, LTD.

                          INDEX TO FINANCIAL STATEMENTS

                                                                            PAGE
CONSOLIDATED FINANCIAL STATEMENTS
      Consolidated Balance Sheets.........................................    20
      Consolidated Statements of Income...................................    21
      Consolidated Statements of Shareholders' Equity.....................    22
      Consolidated Statements of Cash Flows...............................    23
      Notes to Consolidated Financial Statements..........................    24

INDEPENDENT AUDITORS REPORTS..............................................37, 38



                                       19






THE CHALONE WINE GROUP, LTD. CONSOLIDATED BALANCE SHEETS (All amounts in thousands, except share data) ASSETS December 31, December 31, 2002 2001 ---- ---- Current assets: Cash $ - $ - Accounts receivable, net 15,770 11,475 Notes receivable 190 181 Income tax receivable 223 223 Inventory 81,272 76,658 Prepaid expenses and other current assets 1,000 1,359 ---------------------- Total current assets 98,455 89,896 ---------------------- Investment in Chateau Duhart-Milon 10,067 7,897 Non-current notes receivable 447 653 Property, plant and equipment - net 77,953 73,232 Goodwill, 8,582 8,582 Trademarks 2,875 2,797 Other assets 1,815 852 ---------------------- Total assets $200,194 $183,909 ====================== LIABILITIES AND SHAREHOLDERS' EQUITY Current liabilities: Current maturities of long-term obligations $ 2,295 $ 2,034 Current portion of related party note payable - 18 Current portion of obligations under capital lease 716 716 Revolving bank loan 18,523 12,086 Accounts payable and accrued liabilities 18,935 22,766 ---------------------- Total current liabilities 40,469 37,620 Long-term obligations, less current maturities 46,753 47,082 Long-term obligations, convertible subordinated debt 11,000 - Obligations under capital lease, less current portion 1,329 2,110 Related party note payable, less current portion - 869 Liability on interest rate swap contract 1,355 664 Deferred income taxes 923 1,048 ---------------------- Total liabilities 101,829 89,393 ---------------------- Minority interest 3,572 3,201 Shareholders' equity: Common stock - authorized 15,000,000 shares no par value; issued and outstanding: 12,075,101 and 12,067,504 shares, respectively 76,474 76,433 Retained earnings 21,790 19,494 Accumulated other comprehensive loss (3,471) (4,612) ---------------------- Total shareholders' equity 94,793 91,315 ---------------------- Total liabilities and shareholders' equity $200,194 $183,909 ====================== The accompanying notes are an integral part of the consolidated financial statements 20
THE CHALONE WINE GROUP, LTD. CONSOLIDATED STATEMENTS OF INCOME (All amounts in thousands, except per share data) Year ended Nine Months Year ended December 31, ended December 31, March 31, ----------- ------------------------------ ---------- 2002 2002 2001 2000 2001 ----------- ------------------------------ ---------- (Unaudited) (Unaudited) Gross revenues $ 69,001 $ 53,040 $ 42,353 $ 45,481 $ 62,213 Excise taxes (1,996) (1,536) (1,159) (1,252) (1,652) -------- -------- -------- -------- -------- Net revenues 67,005 51,504 41,194 44,229 60,561 Cost of wines sold (44,877) (34,727) (25,604) (30,125) (39,443) -------- -------- -------- -------- -------- Gross profit 22,128 16,777 15,590 14,104 21,118 Other operating revenues (expenses), net (448) (41) 195 160 213 Selling, general and administrative expenses (13,700) (10,521) (9,884) (9,971) (15,208) -------- -------- -------- -------- -------- Operating income 7,980 6,215 5,901 4,293 6,123 Interest expense, net (4,549) (3,641) (3,217) (2,887) (3,824) Other income (expense) (43) (63) 6 868 891 Equity in net income of Chateau Duhart-Milon 842 694 509 714 761 Minority interests (748) (542) (512) (315) (377) -------- -------- -------- -------- -------- Income before income taxes 3,482 2,663 2,687 2,673 3,574 Income taxes (1,186) (845) (1,094) (1,096) (1,524) -------- -------- -------- -------- -------- Net income $ 2,296 $ 1,818 $ 1,593 $ 1,577 $ 2,050 ======== ======== ======== ======== ======== Net income available to common shareholders $ 2,296 $ 1,818 $1,593 $1,577 $2,050 Earnings per share-basic $ 0.19 $ 0.15 $ 0.15 $ 0.20 $ 0.20 Earnings per share-diluted $ 0.19 $ 0.15 $ 0.15 $ 0.20 $ 0.20 The accompanying notes are an integral part of the consolidated financial statements 21
THE CHALONE WINE GROUP, LTD. CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (All amounts in thousands) Common Stock Accumulated ____________________ Other Compre- Number of Retained Comprehensive hensive Shares Amount Earnings Loss Total Income --------- ------- ------- ------------- ------- ------- Balance, March 31, 2000 10,224 61,377 15,851 (3,556) 73,672 2,421 Employee stock purchase plan 7 48 - - 48 - Options exercised 8 61 - - 61 - Profit sharing, net of repurchases 9 92 - - 92 - Foreign currency translation adjustment - - - (789) (789) (789) Net income - - 2,050 - 2,050 2,050 ------ ------- ------- ------- ------- ------- Balance, March 31, 2001 10,248 61,578 17,901 (4,345) 75,134 1,261 Employee stock purchase plan 3 23 - - 23 - Options exercised 53 188 - - 188 - Profit sharing, net of repurchases (1) (15) - - (15) - Foreign currency translation adjustment - - - 80 80 80 Cumulative effect of adopting SFAS No. 133 (net of tax of $129) - - - (189) (189) (189) Changes in fair value of derivatives (net of tax of $141) - - - (203) (203) (203) Transition Adjustment reclassified - - - - - - in earnings (net of tax of $32) 45 45 45 Rights Offering 1,765 14,659 - - 14,659 - Net income - - 1,593 - 1,593 1,593 ------ ------- ------- ------- ------- ------- Balance, December 31, 2001 12,068 $76,433 $19,494 $(4,612) $91,315 $ 1,326 ------ ------- ------- ------- ------- ------- Employee stock purchase plan 4 29 - - 29 - Options exercised 1 13 - - 13 - Profit sharing, net of repurchases 2 (1) - - (1) - Foreign currency translation adjustment - - - 1,436 1,436 1,436 Changes in fair value of derivatives (net of tax of $284) - - - (408) (408) (408) Transition Adjustment reclassified in earnings (net of tax of $78) - - - 113 113 113 Net income - - 2,296 - 2,296 2,296 ------ ------- ------- ------- ------- ------- Balance, December 31, 2002 12,075 $76,474 $21,790 $(3,471) $94,793 $ 3,437 ------ ------- ------- ------- ------- ------- The accompanying notes are an integral part of the consolidated financial statements 22
THE CHALONE WINE GROUP, LTD. CONSOLIDATED STATEMENTS OF CASH FLOWS (All amounts in thousands) Year Ended Nine Months Year Ended December 31, Ended December 31, March 31, ------------ ----------------------------------- --------- 2002 2002 2001 2000 2001 ------------ -------- -------- -------- --------- (Unaudited) (Unaudited) Cash flows from operating activities: Net income $ 2,296 $ 1,818 $ 1,593 $ 1,577 $ 2,050 Adjustments to reconcile net income to net cash provided by operating activities: Depreciation and amortization 9,019 7,512 5,644 5,318 5,877 Equity in net income of Chateau Duhart-Milon (842) (694) (509) (714) (761) Increase in minority interests 748 543 512 315 377 Other (208) (209) 44 (803) (799) Changes in: Accounts and other receivables (4,295) (3,785) (1,347) (1,734) 1,266 Income taxes receivable - - (223) - - Inventories (4,614) (10,172) (17,325) (11,776) (5,365) Prepaid expenses and other assets (750) (323) (368) 281 (34) Deferred income taxes 167 152 1,426 - (734) Accounts payable and accrued liabilities (3,840) 11,729 14,952 8,783 1,281 -------- -------- -------- -------- -------- Net cash provided by (used in) operating activities (2,319) 6,571 4,399 1,247 3,158 -------- -------- -------- -------- -------- Cash flows from investing activities: Capital expenditures (9,301) (8,005) (8,305) (10,821) (15,200) Property and business acquisitions (8,912) (8,912) - (3,518) (3,500) Distributions to minority partner (377) (377) - - - Proceeds from disposal of property and equipment 4,862 4,855 136 7,518 7,536 Net changes of notes receivable 197 148 (834) - (470) Investment in Edna Valley Vyd brand name and joint venture - - (1,050) - - Acquisition of minority interest in Canoe Ridge Vineyard - - - - (3,960) Distributions from Duhart-Milon 108 108 519 557 1,294 -------- -------- -------- -------- -------- Net cash used in investing activities (13,423) (12,183) (9,534) (6,264) (14,300) -------- -------- -------- -------- -------- Cash flows from financing activities: Borrowings (repayment) on revolving bank loan-net 6,437 (3,919) (7,913) (14,057) (7,018) Distributions to minority interests - - - (700) (700) Proceeds from issuance of long-term debt 11,000 11,000 - 30,000 30,000 Net change in capital lease obligation (781) (597) (326) - - Repayment of long-term debt (887) (868) (1,537) (10,272) (11,285) Repayment of short-term debt (68) (68) - - - Net proceeds from rights offering - - 14,659 - - Proceeds from issuance of common stock 41 64 196 46 201 -------- -------- -------- -------- -------- Net cash provided by financing activities 15,742 5,612 5,079 5,017 11,198 -------- -------- -------- -------- -------- Net increase (decrease) in cash and equivalents - - (56) - 56 Cash and equivalents at beginning of year - - 56 - - -------- -------- -------- -------- -------- Cash and equivalents at end of year $ - $ - $ - $ - $ 56 ======== ======== ======== ======== ======== Other cash flow information: Interest paid $ 5,242 $ 4,065 $ 3,373 $ 3,018 $ 3,449 Income taxes paid 1,701 869 984 222 370 Non-cash investing and financing activities: Interest swap flucuation, net $ 1,141 $ 1,028 $ 347 $ - $ - Equipment acquired under capital lease - - 3,152 - - The accompanying notes are an integral part of the consolidated financial statements 23
THE CHALONE WINE GROUP, LTD. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS NOTE 1 - BUSINESS The Chalone Wine Group, Ltd. ("the Company") produces and sells super premium to luxury quality table wines. The Company sells the majority of its products to wholesale distributors, restaurants, and retail establishments throughout the United States, Canada and Europe. Export sales accounted for approximately 5%, 3% and 4%, respectively, of total revenue for the year ended December 31, 2002, nine months ended December 31, 2001, and for the fiscal year ended March 31, 2001. The Company supplies some of its grape needs from its estate-owned vineyards but utilizes independent grape growers for a majority of its grape requirements. NOTE 2 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES A summary of the Company's significant accounting policies consistently applied in the preparation of the accompanying consolidated financial statements follows. BASIS OF PRESENTATION The consolidated financial statements include the accounts of the Company, its majority owned subsidiaries, and Edna Valley Vineyard ("EVV"), a winery operation in San Luis Obispo County, California, owned 50% by the Company and 50% by Paragon Vineyard Company, Inc. ("Paragon"). The Company is EVV's managing joint venture partner and supervises EVV's winery operations, sells and distributes the wine and is deemed to control EVV for accounting purposes. The Company has certain commitments related to its continuing ownership of EVV (See Note 13). Intercompany transactions and balances have been eliminated. At December 31, 2002, Domaines Baron de Rothschild (Lafite) ("DBR"), a French company, owned approximately 45.7% of the Company's outstanding common stock, and the Company owns a 23.5% partnership interest in DBR's Societe Civile Chateau Duhart-Milon ("Duhart-Milon"), a Bordeaux wine-producing estate located in Pauillac, France. The Company accounts for this investment using the equity method. ACCOUNTING ESTIMATES The preparation of the financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported financial statement amounts and related disclosures at the date of the financial statements. Actual results could differ from these estimates. ACCOUNTS RECEIVABLE Accounts receivable are reported at net realizable value. The Company has established an allowance for doubtful accounts based upon factors pertaining to the credit risk of specific customers, historical trends, and other information. Delinquent accounts are written-off when it is determined that the amounts are uncollectible. Receivables in excess of 90 days were approximately $340,000 at December 31, 2002. INVENTORY Inventory is stated at the lower of cost or market. Cost for bulk and bottled wines is determined on an accumulated weighted average basis and includes grape purchases and supplies, farming and harvesting costs, winery and bottling costs. Wine production supplies are stated at FIFO (first-in, first-out) cost. All bulk and bottled wine inventories are classified as current assets in accordance with recognized industry practice, although a portion of such inventories will be aged for periods longer than one year. CONCENTRATION OF CREDIT RISK Financial instruments, which potentially subject the Company to concentrations of credit risk, consist primarily of receivables. The Company performs ongoing credit evaluations of its customers' financial position and generally does not require collateral. The Company maintains reserves for potential credit losses and such losses have been within management's expectations. 24 PROPERTY, PLANT AND EQUIPMENT Property, plant and equipment is stated at cost, with depreciation provided in amounts sufficient to allocate the depreciable assets to operations over their estimated useful lives. For financial reporting purposes depreciation of property, plant and equipment, which includes assets under capital lease is provided on the straight-line method, with the exception of barrels, which is depreciated using an accelerated method. For tax reporting purposes accelerated methods are used. In August 2002, the Company purchased substantially all of the assets of a winery in Napa County, California (See Note 7). The costs of property, plant and equipment were allocated to each asset acquired based on their relative estimated fair values at the date of acquisition. The ranges of useful lives used in computing depreciation are ((3)) 15 to 35 years for vineyard development costs, (ii) 80 years for caves, (iii) 15 to 40 years for buildings and (iv) 3 to 20 years for machinery and equipment. Capitalized costs of planting new vines and ongoing cultivation costs for vines not yet bearing fruit, including interest, are classified as vineyard development. Depreciation commences in the initial year the vineyard yields a commercial crop, generally in the third or fourth year after planting. Interest of $1.2 million, $.7 million and $.8 million was capitalized to property, plant and equipment for the year ended December 31, 2002, nine months ended December 31, 2001 and the fiscal year ended March 31, 2001, respectively. Caves represent improvement costs to dig into hillsides and structurally reinforce underground tunnels used to age and store the Company's wines. INTANGIBLE ASSETS The Company's intangible assets consist of goodwill and trademarks. As of January 1, 2002 the Company adopted SFAS No. 142, GOODWILL AND OTHER INTANGIBLE ASSETS. Accordingly, goodwill and trademarks that have been determined to possess indefinite lives will not be amortized, but instead will be reviewed for impairment at least annually. Impairment is the condition that exists when the carrying amount of goodwill exceeds its implied fair value. The Company applied impairment tests to its recorded goodwill in accordance with SFAS 142 and determined that no impairment loss had occurred during the year ended December 31, 2002. For purposes of pro forma disclosure, had the Company's goodwill and trademarks been accounted for under SFAS No. 142, net income and earnings per share would have been increased to the following pro forma amounts (IN THOUSANDS, EXCEPT PER SHARE DATA): Nine Months Year Ended Ended Year Ended December 31, December 31, March 31, ------------ ------------ ---------- 2002 2001 2001 ------------ ------------ ---------- Reported net income $ 2,296 $ 1,593 $ 2,050 Goodwill amortization - 280 290 Trademark amortization - 109 145 ------------ ------------ ---------- Adjusted net income $ 2,296 $ 1,982 $ 2,485 BASIC EARNINGS PER SHARE Reported net income $ 0.19 $ 0.15 $ 0.20 Goodwill - 0.03 0.03 Trademark - 0.01 0.01 ------------ ------------ ---------- Adjusted net income $ 0.19 $ 0.19 $ 0.24 DILUTED EARNINGS PER SHARE Reported net income $ 0.19 0.15 0.20 Goodwill - 0.03 0.03 Trademark - 0.01 0.01 ------------ ------------ ---------- Adjusted net income $ 0.19 $ 0.19 $ 0.24 IMPAIRMENT OF LONG-LIVED ASSETS As of December 31, 2002 the Company adopted SFAS No. 144, ACCOUNTING FOR THE IMPAIRMENT OR DISPOSAL OF LONG-LIVED ASSETS. Statement 144 establishes a single-accounting model for long-lived assets to be disposed of while maintaining many of the provisions relating to impairment testing and valuation. The adoption of this Statement will not materially change the way the Company reviews and calculates asset impairment charges. The Company evaluates its long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets or intangibles may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying 25 amount of the assets to future undiscounted net cash flows expected to be generated by the assets. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the assets. FOREIGN CURRENCY TRANSLATION The functional currency of the Company's investee, Duhart-Milon, is the French franc and as a result the Company records the effect of exchange gains and losses on its equity in Duhart-Milon in other comprehensive income or loss, a separate component of shareholder's equity. REVENUE RECOGNITION Revenue is recognized when the product is shipped, and title passes to the customer. Revenue from product sold at the Company's retail locations is recognized at the time of sale. Revenue is recorded net of sales returns, including a provision for estimated future returns. Sales returns have historically been insignificant. The Company generally allows thirty days from the date of shipment for customers to make payment. No products are sold on consignment. SHIPPING COSTS Shipping costs are included in selling, general and administrative expense and totaled $290,200, $114,000 and $836,000 for the year ended December 31, 2002, for the nine months ended December 31, 2001 and for the fiscal year ended March 31, 2001 (See Note 17). ACCOUNTING FOR INCOME TAXES The Company provides for income taxes under the liability method. Accordingly, deferred income tax assets and liabilities are computed for differences between the financial statement and tax bases of assets and liabilities that will result in taxable or deductible amounts in the future based on enacted tax laws and rates applicable to the periods in which the differences are expected to affect taxable income. Valuation allowances are established when necessary to reduce deferred tax assets to amounts, which are more likely than not to be realized. STOCK BASED COMPENSATION The Company has elected to follow Accounting Principles Board Opinion No. 25, ACCOUNTING FOR STOCK ISSUED TO EMPLOYEES, (APB 25) and related Interpretations in accounting for its employee stock options because, as discussed below, the alternative fair value accounting provided for under FASB Statement No. 123, ACCOUNTING FOR STOCK-BASED COMPENSATION, Under APB 25, because the exercise price of the Company's employee stock options equals the market price of the underlying stock on the date of grant, no compensation expense is recognized. SFAS 123, ACCOUNTING FOR STOCK-BASED COMPENSATION, requires the disclosure of pro forma net income and earnings per share had the Company adopted the fair value method as of the beginning of fiscal year 1995. Under SFAS 123, the fair value of stock-based awards to employees is calculated through the use of option pricing models, even though such models were developed to estimate the fair value of freely tradable, fully transferable options without vesting restrictions, which significantly differ from the Company's stock option awards. These models also require subjective assumptions, including future stock volatility and expected time to exercise, which greatly affect the calculated values. The Company's calculations were made using the Black-Scholes option pricing model with the following weighted average assumptions: Twelve Months Nine Months Twelve Months ended ended ended December 31, December 31, December 31, 2002 2001 2000 ------------ ------------ ------------ Expected life, following vesting (months) 117 117 117 Stock volitility 32.5% 31.2% 28.2% Risk-free interest rate 5.2% 6.5% 6.9% Dividends - - - The Company's calculations are based on a multiple option valuation approach and forfeitures are recognized as they occur. For purposes of pro forma disclosures, the estimated fair value of the options is amortized over the options' vesting period. Had the Company's stock option and stock purchase plan been accounted for under SFAS No. 123, net income and earnings per share would have been reduced to the following pro forma amounts (IN THOUSANDS, EXCEPT PER SHARE DATA) (See Recent Accounting Pronouncements): 26 Twelve Months Nine Months Ended Ended Year Ended December 31, December 31, March 31, ------------ ------------ ---------- 2002 2001 2001 ------------ ------------ ---------- Net income: As reported $ 2,296 $ 1,593 $ 2,050 Pro forma $ 1,739 $ 1,003 $ 1,759 Earnings per share: Basic $ 0.19 $ 0.15 $ 0.20 Diluted $ 0.19 $ 0.15 $ 0.20 Pro forma basic $ 0.14 $ 0.10 $ 0.17 Pro forma diluted $ 0.14 $ 0.09 $ 0.17 DERIVATIVE FINANCIAL INSTRUMENTS The Company uses derivative instruments to manage exposures to interest rate risks in accordance with its risk management policy. The Company's objectives for holding derivatives are to minimize the risks using the most effective methods to eliminate or reduce the exposure to interest rate fluctuations. The Company formally documents the relationship between hedging instruments and hedged items as well as its risk management objective and strategy for undertaking its hedging activities. The Company formally designates derivatives as hedging instruments on the date the derivative contract is entered into. The Company assesses, both at inception of the hedge and on an ongoing basis, whether derivatives used as hedging instruments are highly effective in offsetting the changes in the fair value or cash flows of hedged items. If it is determined that a derivative is not highly effective as a hedge or ceases to be highly effective, the Company discontinues hedge accounting prospectively. Changes in the fair value of derivative instruments designated as cash flow hedges, to the extent the hedges are highly effective, are recorded in other comprehensive income, net of related tax effects. The ineffective portion of the cash flow hedge, if any, is recognized in current-period earnings. Other comprehensive income is relieved when current earnings are affected by the variability of cash flows relating to the derivative hedged. During the periods ended December 31, 2002 and 2001, the Company's derivative contracts consisted only of an interest rate swap used by the Company to convert a portion of its variable rate long-term debt to fixed rate. The Company does not enter into financial instruments for trading or speculative purposes. Payments or receipts on interest rate swap agreements are recorded in interest expense. Forward exchange contracts are used to manage exchange rate risks on certain purchase commitments, generally French oak barrels, denominated in foreign currencies. Gains and losses relating to firm purchase commitments are deferred and are recognized as adjustments of carrying amounts or in income when the hedged transaction occurs. The Company did not transact in forward exchange contracts during the 2002 year. The nominal amounts and related foreign currency transaction gains and losses, net of the impact of hedging, were not significant in nine months ended December 31, 2001 and the fiscal year ended 2001. NET INCOME PER SHARE Basic net income per share ("EPS") excludes dilution and is computed by dividing net income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock (e.g. stock options) were exercised and converted into stock. For all periods presented, the difference between basic and diluted EPS for the Company reflects the inclusion of dilutive stock options, the effect of which is calculated using the treasury stock method as shown below. The convertible common stock was not included in the computation of diluted earnings per share because the effect of conversion would be antidilutive. The following reconciles audited amounts reported in the financial statements (IN THOUSANDS, EXCEPT PER SHARE DATA): 27 Effect of dilutive securities ----------------------------- Stock Basic EPS Warrants options Diluted EPS --------- -------- ------- ----------- Year ended December 31, 2002: Income available to common stockholders $ 2,296 - - $ 2,296 Weighted average shares outstanding 12,072 - 19 12,091 ------- ------- Earnings per common share $ 0.19 $ 0.19 ======= ======= Nine months ended December 31, 2001: Income available to common stockholders $ 1,593 - - $ 1,593 Weighted average shares outstanding 10,558 - 58 10,616 ------- ------- Earnings per common share $ 0.15 $ 0.15 ======= ======= Year ended March 31, 2001: Income available to common stockholders $ 2,050 - - $ 2,050 Weighted average shares outstanding 10,238 - 14 10,252 ------- ------- Earnings per common share $ 0.20 $ 0.20 ======= ======= Recent Accounting Pronouncements - The Financial Accounting Standards Board (FASB) has issued the following accounting pronouncements: SFAS No. 143, Accounting for Asset Retirement Obligations. SFAS No. 143 requires that an obligation associated with the retirement of tangible long-lived assets and the associated asset retirement costs be recognized as a liability when incurred. Upon initial recognition of a liability for an asset retirement obligation, an entity would capitalize that cost by recognizing an increase in the carrying amount of the related long-lived asset by the same amount as the liability. An entity would subsequently allocate that asset retirement cost to expense using a systematic and rational method over its useful life. The Company has adopted SFAS No. 143 for its calendar year beginning January 1, 2003. The adoption of SFAS No. 143 should not have a material effect on the Company's operating results or financial position. SFAS No.145, Rescission of FASB Statements No. 4, 44, and 64, Amendment of FASB Statement No. 13, and Technical Corrections. This Statement rescinds SFAS No. 4, Reporting Gains and Losses from Extinguishment of Debt, and an amendment of that Statement, SFAS No. 64, Extinguishments of Debt Made to Satisfy Sinking-Fund Requirements. This Statement also rescinds SFAS No. 44, Accounting for Intangible Assets of Motor Carriers. This Statement amends SFAS No. 13, Accounting for Leases, to eliminate an inconsistency between the required accounting for sale-leaseback transactions and the required accounting for certain lease modifications that have economic effects similar to sale-leaseback transactions. The Statement also amends other existing authoritative pronouncements to make various technical corrections, clarify meanings, or describe their applicability under changed conditions. The adoption of SFAS No. 145 is not expected to have a material effect on the Company's consolidated financial statements. SFAS No.146, Accounting for Costs Associated with Exit or Disposal Activities. This Statement addresses financial accounting and reporting for costs associated with exit or disposal activities and nullifies Emerging Issues Task Force (EITF) Issue No. 94-3, "Liability Recognition for Certain Employee Termination Benefits and Other Costs to Exit an Activity (including Certain Costs Incurred in a Restructuring)." The provisions of this Statement are effective for exit or disposal activities that are initiated after December 31, 2002. The adoption of SFAS No. 146 is not expected to have a material effect on the Company's consolidated financial statements. SFAS No.148, Accounting for Stock-Based Compensation. This Statement amends SFAS No. 123, Accounting for Stock-Based Compensation, to provide alternative methods of transition for a voluntary change to the fair value based method of accounting for stock-based employee compensation. In addition, this Statement amends the disclosure requirements of Statement 123 to require prominent disclosures in both annual and interim financial statements about the method of accounting for stock-based employee compensation and the effect of the method used on reported results. This Statement permits two additional transition methods for entities that adopt the preferable method of accounting for stock-based employee compensation. Both of those methods avoid the ramp-up effect arising from prospective application of the fair value based method. In addition, to address concerns about the lack of comparability caused by multiple transition methods, this Statement does not permit the use of the original Statement 123 prospective method of transition for changes to the fair value based method made in fiscal years beginning after December 15, 2003. The Company has not yet evaluated whether to adopt this statement nor has it evaluated the potential impact on the Company's consolidated financial statements if the statement is adopted. As of December 31, 2002, the Company has adopted the disclosure requirements of the Statement and continues to follow the intrinsic value method to account for stock-based employee compensation. FASB Interpretation No. 45, Guarantor's Accounting and Disclosure Requirements for Guarantees, Including Indirect Guarantees of Indebtedness of Others. The interpretation clarifies that a guarantor is required to recognize, at the inception of a guarantee, a liability for the fair value of the obligation undertaken in issuing the guarantee. It also significantly expands the disclosures guarantors must include in their financial statements. While the interpretation's accounting provisions are effective prospectively to guarantees issued or modified after December 31, 2002, its disclosure requirements generally apply to all guarantees and must be included in financial statements of interim and annual periods ending after December 15, 2002. The adoption of Interpretation No. 45 is not expected to have a material effect on the Company's consolidated financial statements. 28 FASB Interpretation No. 46, Consolidation of Variable Interest Entities, addresses consolidation by business enterprises of variable interest entities in which 1) the equity investment is insufficient for the entity to finance its activities without additional financial support through other interests who will absorb some or all of the entity's expected losses, or 2) the equity investors lack one or more essential characteristics of a controlling interest. Those characteristics include the ability to make decisions about an entity's activities through voting rights or similar rights; the obligation to absorb the entity's expected losses, which makes it possible for the entity to finance its activities; and the right to receive the entity's expected residual returns as compensation for the risk of absorbing expected losses. This interpretation is effective for the Company no later than the third quarter of 2003, and is not currently expected to have a material effect on the Company's consolidated financial statements. SEGMENT REPORTING The Company produces and sells premium to luxury quality table wines and has determined that its product line operating segments, although consisting of multiple products and brands, all have similar production processes, customer types, distribution methods and other economic characteristics. Accordingly, these operating segments have been aggregated as a single operating segment in the consolidated financial statements. FAIR VALUE OF FINANCIAL INSTRUMENTS Accounts receivable, accounts payable and accrued expenses, and certain other assets and liabilities are considered financial instruments. Carrying values are estimated to approximate fair values for these instruments as they are short-term in nature and are receivable or payable on demand. NOTE 3 - VALUATION AND QUALIFYING ACCOUNTS AND RESERVES A summary of the changes in the Company's allowance for doubtful accounts receivable is as follows: Balance at Charges to Balance at Beginning of Costs and End of Period Expenses Deductions Period ------------ ---------- ---------- ---------- Year ended March 31: 2001 $ 129 $ 320 $ (56) $ 393 ===== ===== ===== ===== Nine months ended December 31: 2001 $ 393 $ 490 $(105) $ 778 ===== ===== ===== ===== Year ended December 31: 2002 $ 778 $ 490 $(931) $ 337 ===== ===== ===== ===== NOTE 4 - INVENTORY Inventory consists of the following (IN THOUSANDS): December 31, December 31, 2002 2001 ------------ ------------ Bulk wine $ 48,312 $ 44,616 Bottled wine 32,171 31,303 Wine packaging supplies 415 313 Other 374 426 -------- -------- Total $ 81,272 $ 76,658 ======== ======== 29 NOTE 5 - PROPERTY, PLANT AND EQUIPMENT Property, plant and equipment consist of the following (IN THOUSANDS): December 31, December 31, 2002 2001 ------------ ----------- Land $ 20,737 $ 18,091 Vineyards 12,960 8,310 Vineyards under development 17,583 18,291 Caves 1,678 1,678 Buildings 26,592 24,541 Machinery and equipment 36,136 33,123 -------- -------- 115,686 104,034 Accumulated depreciation (37,733) (30,802) -------- -------- Total $ 77,953 $ 73,232 ======== ======== NOTE 6 - ACQUISITION On August 23, 2002, the Company acquired substantially all of the assets of the winery and vineyard site formerly known as Beaucanon Winery in Rutherford, California. The purchase price was $8.9 million and was accounted for using the purchase method of accounting in accordance with SFAS 141, Business Combinations. The purchase price was allocated to each asset acquired based on their relative estimated fair values at the date of acquisition. No goodwill or other intangible assets were recorded. The Company financed the acquisition with subordinated debit to related parties (See Note 8). NOTE 7 - INVESTMENT IN CHATEAU DUHART-MILON Duhart-Milon's condensed balance sheet as of December 31, 2002 and 2001 and the results of its operations for the year ended December 31, 2002, nine months ended December 31, 2001 and fiscal year ended March 31, 2001 are as follows (translated into U.S. dollars at the year-end and average exchange rate for the period, respectively) (IN THOUSANDS): December 31, December 31, ------------ ------------ 2002 2001 ------------ ------------ Inventory $ 3,887 $ 3,307 Other current assets 9,475 7,678 -------- -------- Current assets 13,362 10,985 -------- -------- Property and equipment, net 2,825 1,673 -------- -------- Total assets $ 16,187 $ 12,658 ======== ======== Current liabilities $ 2,668 $ 1,960 Partner's equity 13,519 10,698 -------- -------- Total liabilities and equity $ 16,187 $ 12,658 ======== ======== Duhart-Milon's results of operations are summarized as follows (IN THOUSANDS): 30 Year Nine Months Year Ended Ended Ended December 31, December 31, March 31, 2002 2001 2001 ------------ ------------ --------- Revenues $ 6,726 $ 3,504 $ 5,470 Cost of Sales (2,955) (1,355) (2,453) ------- ------- ------- Gross profit 3,771 2,149 3,017 ------- ------- ------- Revenues (expenses) from other operations, net (189) 19 221 ------- ------- ------- Net earnings $ 3,582 $ 2,168 $ 3,238 ======= ======= ======= Equity in investment of Duhart-Milon $ 842 $ 509 $ 761 ======= ======= ======= On October 1, 1995, the carrying amount of the Company's investment in Duhart-Milon was greater than its share of Duhart-Milon's net assets by approximately $8.9 million. This difference related primarily to the underlying value of the land owned by Duhart-Milon and, accordingly is not amortized. A portion of that difference, however, was attributable to inventory and was amortized based on annual sales quantities through March 31, 2001. Since the investment in Duhart-Milon is a long-term investment denominated in a foreign currency, the Company recognizes currency translation gains or losses in shareholders' equity as accumulated comprehensive income or loss, which totaled $2,830,000 as of December 31, 2002. This amount decreased from $4,265,000 as of December 31, 2001 due to the increase in the relative worth of the French franc when compared to the U.S. dollar during the twelve months ended December 31, 2002. 31 NOTE 8 - BORROWING ARRANGEMENTS Borrowing arrangements consist of the following (IN THOUSANDS): December 31, December 31, 2002 2001 ------------ ------------ Revolving bank loan of $25,000,000, interest at LIBOR +1.375% (3.255% at December 31, 2001), interest payable monthly, unsecured, due March 2002 (see below) $ - $ 12,086 Revolving bank loan of $50,000,000, interest at the Eurodollar Rate based on LIBOR plus an indexed spread (3.89% combined at December 31, 2002), interest payable on the last day of each interest period ranging from one to six months, secured, due April 2009 (see below) 16,098 - Swingline bank loan of $5,000,000, interest at 0.5% per annum above the latest Federal Funds Rate plus an indexed spread (3.34% combined at December 31, 2002), interest payable monthly, secured, due April 2005 (see below) 2,425 - Senior unsecured notes (Series A, B, C), interest at rates ranging from 8.90% to 9.05%, payable monthly, principal payments due annually start- ing September 2004 - 30,000 Senior secured notes (Series A, B, C), interest at rates ranging from 8.90% to 9.23% at December 31, 2002 payable monthly, principal payments commencing September 2004, payable annually through September 15, 2010 (see below) 30,000 - Bank term loan, interest at the Eurodollar Rate based on LIBOR plus an indexed spread (4.39% combined at December 31, 2002), interest payable on the last day of each interest period ranging from one to six months, principal payments commencing June 2003 payable quarterly through April 2009 (see below) - 17,500 Bank term loan, interest at the Eurodollar Rate based on LIBOR plus an indexed spread (4.39% combined at December 31, 2002), interest payable on the last day of each interest period ranging from one to six months, principal payments commencing June 2003 payable quarterly through April 2009 (see below) 17,500 - Mortgage note payable to financial institution, interest at varying rates (3.25% at December 31, 2002), principal and interest payable monthly through August 2021 1,548 1,616 -------- -------- 67,571 61,202 Less current maturities (20,818) (14,120) -------- -------- Long-term obligations, net of current maturities $ 46,753 $ 47,082 ======== ======== Related party note payable, interest at 7.03%, paid in full during 2002 $ - $ 887 Convertible subordinated note to related party, interest at 9.00% per annum, interest and principal due August 2004 (convertible into common stock at $9.4207 per share) 2,750 - Convertible subordinated note to related party, interest at 9.00% per annum, interest and principal due August 2004 (convertible into common stock at $9.4207 per share) 8,250 - -------- -------- 11,000 887 Less current maturities - (18) -------- -------- Related party note payable, net of current maturities $ 11,000 $ 869 ======== ======== At December 31, 2001 the revolving credit facility and term loan were pursuant to an agreement with a bank that was entered into in March 1999. The agreement included restrictive covenants regarding: maintenance of certain financial ratios; mergers or acquisitions; loans, advances or debt guarantees; additional borrowings; annual lease expenditures; annual fixed asset expenditures; changes in control of the Company; and declaration or payment of dividends. On September 15, 2000 the Company refinanced certain borrowings through the issuance of $30 million of Senior Unsecured Notes (the "2000 Notes"). Proceeds from the 2000 Notes were used to repay $20 million of revolving bank borrowings under a previous credit agreement and $10 million of the $30 million term loan. Currently, interest on the 2000 Notes is payable quarterly at rates ranging from 8.90% to 9.05% and annual principal repayments are scheduled to begin September 15, 2004 through maturity on September 15, 2010. 32 The 2000 Notes were issued pursuant to a Note Purchase Agreement, which contained restrictive covenants including requirements to maintain certain financial ratios and restrictions on additional indebtedness, asset sales, investments, and payment of dividends. In 2002, the Company's revolving bank loan expired and two extensions were provided extending the maturity date to April 30, 2002. On April 22, 2002, the Company finalized the borrowing arrangement with the bank that had provided the revolving bank loan. The new borrowing arrangement with its bank involves both (1) a $55 million revolving credit facility secured first by inventory and accounts receivable and second by substantially all of the Company's fixed assets (other than certain specified assets), and (2) a $17.5 million term loan secured first by certain of the Company's fixed assets (other than certain specified assets) and second by the Company's inventory and accounts receivable, each on a pari passu basis with the holders of the 2000 Notes. In connection with the finalization, the Company amended certain of the provisions applicable to the 2000 Notes. In connection with the $55 million revolving credit facility, the Company is obligated for the payment of fees relative to the unused portion at indexed rates ranging from 0.25% to 0.45%. The fees are computed daily on the outstanding unused balance. At December 31, 2002, the unused portion of the facility commitment was $36.5 million. On August 23, 2002, the Company acquired the winery and vineyard site formerly known as Chateau Beaucanon Winery in Rutherford, California. The site is the home for the Provenance Vineyard brand. The purchase price was $8.9 million. The acquisition was funded by the issuance of two convertible subordinated promissory notes in exchange for $11 million in cash (the "2002 Notes"). The 2002 Notes were issued to Les Domaines Baron de Rothschild (Lafite) ("DBR"), in the amount of $8.25 million, and SFI Intermediate Limited or its affiliates ("SFI"), in the amount of $2.75 million. The 2002 Notes accrue interest on the principal sum at a rate of 9% per annum. The principal sum and all accrued interest are due and payable in full, two years from the date of the 2002 Notes (the "Maturity Date"). At the Maturity Date, the Company may elect to pay all of the outstanding principal and accrued interest in cash or may elect to repay all or part of these amounts through conversion into shares of Company common shares at the Conversion Price of $9.4207 per share (the "Conversion Price"). DBR or SFI may elect to convert all outstanding principal only in the event of a change of control transaction, as defined in the terms of the 2002 Notes. In conjunction with the above activities, the Company, its lenders under the Company's Credit Agreement and its noteholders under the Company's Amended and Restated Note Purchase Agreement amended the Company's Credit Agreement and its Amended and Restated Note Purchase Agreement (1) to reflect the lenders' and noteholders' consent to the Beaucanon acquisition and the issuance of the 2002 Notes and (2) to make certain amendments in the Credit Agreement and the Amended and restated Note Purchase Agreement, including the exclusion of the 2002 Notes from the financial covenants contained in those agreements. Maturities of borrowings for each of the next five years ending at December 31 are as follows (IN THOUSANDS): 2003 $ 20,818 2004 18,313 2005 7,317 2006 7,321 2007 7,325 Thereafter 17,477 ------------ Total $ 78,571 ============ In 1999 the Company entered into an interest-rate swap contract for a notional amount of $20.0 million, maturing on April 6, 2006 the balance of which was reduced to $17.5 million at December 31, 2002 and 2001. This contract effectively converts the variable LIBOR rate, which would otherwise be paid by the Company on its $20.0 million bank term-loan balance into a fixed-rate obligation over a period which corresponds to that of the underlying loan agreement. During that time, the rate that the Company will be obligated to pay, after including the lending institution's additional mark-up (which is based on financial ratios, and varies accordingly), will be fixed at 6.95%. Effective April 1, 2001, the Company adopted SFAS No.133, "Accounting for Derivative Instruments and Hedging Activities" (See note 14). The fair value of the contract was approximately $1.36 million on December 31, 2002. This amount (net of tax effect) will be the cumulative transition adjustment recorded in other comprehensive income as required under SFAS No. 133. NOTE 9 - STOCK BASED COMPENSATION On February 10, 1997, the Board of Directors adopted the 1997 Stock Option Plan (the "Plan"). The Plan provides for the grant of stock options to officers and other key employees of the Company, as well as non-employee directors and consultants, for an aggregate of up to 1,000,000 shares of common stock, plus any shares under the Company's 1987 Stock Option Plan, which expired in February 1997, or the 1988 Non-Discretionary Stock Option Plan, which expired in December 1996, that become available for issuance as a result of forfeitures to the Company under the terms of such plans. These options generally expire 10 years from the date of grant and vest after a three-month period. As of December 31, 2002, approximately 139,538 options were available for future grant under the Plan. Option activity under the plans has been as follows: 33 Weighted Average Number of Exercise Shares Price --------- -------- Outstanding, March 31, 2000 662,419 $ 10.36 -------- ------- Granted (weighted average fair value of $4.56) 169,640 8.43 Exercised (17,800) 8.64 Canceled (23,765) 9.97 -------- ------- Outstanding, March 31, 2001 790,494 10.00 -------- ------- Granted (weighted average fair value of $5.91) 172,873 11.11 Exercised (121,105) 8.63 Canceled (5,059) 9.58 -------- ------- Outstanding, December 31, 2001 837,203 10.43 ======== ======= Granted (weighted average fair value of $5.06) 207,978 9.60 Exercised (1,532) 8.38 Canceled (137,500) 11.22 -------- ------- Outstanding, December 31, 2002 906,149 $ 10.18 -------- ------- Additional information regarding options outstanding as of December 31, 2002 is as follows: Options Outstanding (all exercisable) --------------------------------------------------- Range of Weighted Avg. Exercise Number Remaining Weighted Avg. Prices Outstanding Contractual Life Exercise Price - -------- ----------- ---------------- -------------- $5.00-$7.99 25,480 1.5 years $ 6.83 $8.00-$9.99 433,369 5.5 years 9.17 $10.00-$12.99 447,300 5.0 years 11.34 ------- --------- ------- 906,149 5.1 years $ 10.18 ------- --------- ------- All options outstanding at December 31, 2002 are exercisable, except for 9,600 options granted December 31, 2002 with an exercise price of $8.24. EMPLOYEE STOCK PURCHASE PLAN Under the Employee Stock Purchase Plan, (the "Purchase Plan"), eligible employees are permitted to use salary withholdings to purchase shares of common stock at a price equal to 85% of the lower of the market value of the stock at the beginning or end of each three-month offer period or beginning of the Purchase Plan start (27 months), subject to an annual limitation. Shares issued under the plan were 3,923 shares for the twelve months ended December 31, 2002, 3,145 shares for the nine months ended December 31, 2001 and 6,735 shares for the year ended March 31, 2001, respectively, at weighted average prices of $7.43, $7.37 and $7.15, respectively. The weighted average fair value per share of the awards in the twelve months ended December 31, 2002, for the nine months end December 31, 2001 and for the year ended March 31, 2001 was $9.22, $8.67 and $8.42, respectively. At December 31, 2002, 724 shares were reserved for future issuances under the Purchase Plan. NOTE 10 - COMMON STOCK In connection with the issuance of convertible subordinated promissory notes in August 2002, the Company may elect to pay all of the outstanding principal and accrued interest in cash or may elect to repay all or part of these amounts through conversion into shares of the Company's common shares at the Conversion Price of $9.4207 per share. The note holders may elect to convert all outstanding principal only in the event of a change of control transaction, as defined in the terms of the Notes (See Note 7). To date, the Company has not paid any cash dividends. Under the terms of certain of the Company's credit facilities, the Company is restricted from paying dividends in excess of 25% of its consolidated net income (See Note 7). NOTE 11 - EMPLOYEE BENEFIT PLANS The Company has a qualified profit-sharing plan, which provides for Company contributions, as determined annually by the Board of Directors, based on the Company's previous year performance. These contributions may be in the form of common stock or cash as determined by the Board of Directors. The Company contributed $57,000, $173,000 and $143,000 for the year ended December 31, 2002, for the nine months ended December 31, 2001 and for the fiscal year ended March 31, 2001, respectively. At December 31, 2002, the plan held approximately 42,620 shares of the Company's common stock. At the participant's option, upon termination of service of any plan participant, the Company will repurchase that participant's shares held in the plan at market value. The Company sponsors a defined-contribution savings plan under Section 401(k) of the Internal Revenue Code covering substantially all full-time U.S. employees. Participating employees may contribute up to 15% of their eligible compensation up to the annual Internal Revenue Service contribution limit. As determined by the Board of Directors, the Company matches employee contributions according to a specified 34 formula and contributed $193,000, $177,000, and $136,000 to this plan for the year ended December 31, 2002, for the nine months ended December 31, 2001 and for the fiscal year ended March 31, 2001, respectively. NOTE 12 - INCOME TAXES The provision for income taxes for the year ended December 31, 2002, nine months ended December 31, 2001 and fiscal year ended March 31, 2001 are summarized as follows (IN THOUSANDS): Nine Months Year ended ended Year ended, December 31, December 31, March 31, 2002 2001 2001 ------------ ------------ ----------- Federal Current $ 967 $ (223) $ 1,782 Deferred (31) 1,047 (583) ------- ------- ------- 936 824 1,199 ------- ------- ------- State Current 191 51 477 Deferred 59 219 (152) ------- ------- ------- 250 270 325 ------- ------- ------- $ 1,186 $ 1,094 $ 1,524 ------- ------- ------- The provisions for income taxes differ from amounts computed at the U.S. Federal statutory rate as follows (IN THOUSANDS): Nine Months Year ended ended Year ended, December 31, December 31, March 31, 2002 2001 2001 ------------ ------------ ----------- Income tax at statutory rate $ 1,282 $ 913 $ 1,215 State tax net of federal benefit 227 157 208 Change in valuation allowance (133) 704 - Foreign tax credit (225) (550) - Other 35 (130) 101 ------- ------- ------- $ 1,186 $ 1,094 $ 1,524 ======= ======= ======= The Company's deferred tax assets (liabilities) were as follows (IN THOUSANDS): Nine Months Year ended ended December 31, December 31, 2002 2001 ------------ ------------ Net operating loss and tax credit carryforward $ 3,468 $ 3,800 Valuation Allowance (2,838) (2,971) Basis Difference in property, plant and equipment (1,896) (2004) Basis Difference in inventory (1,046) (859) Derivative financial instrument 532 261 Accrued compensation 485 301 Other (79) (69) ------- ------- Net deferred tax assets (liability) $(1,374) $(1,541) ======= ======= Classified as: Current deferred tax assets (liabilities) $ (451) $ (493) ======= ======= Long-term deferred tax liabilities $ (923) $(1,048) ------- ------- The Company and its subsidiaries file their federal tax returns on a consolidated basis. As of December 31, 2002, Sagelands Vineyard has a federal net operating loss carryforward of approximately $8.9 million that will expire through 2018. A valuation allowance has been established for a portion of the related deferred tax asset that management believes may not be realized due to annual limitations resulting from the ownership 35 change in Sagelands Vineyard. In addition, the Company has a foreign tax credit carryforward of approximately $418,000 that will expire through 2007. A full valuation allowance has been established against this credit. NOTE 13 - TRANSACTIONS WITH RELATED PARTIES The consolidated statements of income include the following transactions with related parties (IN THOUSANDS): Nine Months Year Ended Ended Year Ended December 31, December 31, 31-Mar ------------ ------------ ---------- 2002 2001 2001 ------------ ------------ ---------- Wine purchases from related parties $ 1,048 $ 2,054 $ 1,781 Grape purchases from related parties 5,313 5,781 5,002 Lease expense for land and facilities to joint venture partner 96 96 15 Interest expense to related parties 376 75 - NOTE 14 - COMMITMENTS AND CONTINGENCIES As of December 31, 2002 future minimum lease payments (excluding the effect of future increases in payments based on indices which cannot be estimated at the present time) required under noncancelable operating leases with terms in excess of one year are as follows: (IN THOUSANDS) 2003 $ 1,099 2004 1,009 2005 976 2006 1,014 2007 998 Thereafter 5,443 ------------- Total $ 10,539 ============= Rent expense charged to operations was $969,000, $982,000 and $1,351,000 for the year ended December 31, 2002, nine months ended December 31, 2001 and for the fiscal year ended March 31, 2001, respectively. In 1991, the Company and Paragon entered into an agreement ("old agreement") to provide the Company with the option to convert EVV into a "permanent partnership" of unlimited duration. Under the old agreement, the Company had made payments totaling $1,070,000 to Paragon to have the right to extend the life of the joint venture. Under a new agreement, entered into on December 27, 1996 ("new agreement"), the Company agreed to further payments totaling $4,540,000, which provided for the Company's continued 50% ownership throughout the remaining life of the joint venture. The payments made to extend the life of the joint venture and maintain continuing ownership of the joint venture are included in goodwill and were being amortized over 40 years through December 31, 2001. Per FASB pronouncements No. 141 and 142, goodwill will no longer be amortized. Also, in December 2001, the Company purchased 50% of the brand name, Edna Valley, for $200,000, which is currently licensed to the joint venture by Paragon. The Company has contracted with various growers and certain wineries to supply a large portion of its future grape requirements and a smaller portion of its future bulk wine requirements. The Company estimates that it has contracted to purchase approximately 9,000 to 13,000 tons of grapes per year over the next ten years. While most of these contracts stipulate that prices will be determined by current market conditions at the time of purchase, several long-term contracts provide for minimum grape or bulk wine prices. Purchases under these contracts were $18,883,000 and $19,570,000 for the year ended December 31, 2002 and the nine-months ended December 31, 2001. NOTE 15 - DERIVATIVE INSTRUMENTS Effective April 1, 2001, the Company adopted Statement of Financial Accounting Standards ("SFAS") No. 133, "Accounting for Derivative Instruments and Hedging Activities." SFAS 133 as amended by SFAS 138, "Accounting for Certain Derivative Instruments and Certain Hedging Activities", requires that derivative instruments, including certain derivative instruments embedded in other contracts, be recorded as assets or liabilities, measured at fair value. For each period, changes in fair value are reported in current earnings or other comprehensive income, depending on whether a derivative is designated as part of a hedge transaction and, if it is, the type of hedge transaction. SFAS No. 133 also requires the Company to formally document, designate, and assess the effectiveness of transactions that receive hedge accounting treatment. Upon adoption of SFAS No. 133, the Company recorded a derivative liability of $318,000 and, as other comprehensive income, $189,000 ($318,000 pre-tax) representing the cumulative effect of this change in accounting principle as the Company has designated the contract as a highly effective cash flow hedge. The fair value of this derivative (an interest rate swap) as of December 31, 2002 was $1,355,000. The net change in the swap's carrying value from December 31, 2001 to December 31, 2002 of $408,000 (net of tax of $284,000) is reflected as a reduction to other comprehensive loss in shareholders' equity. The estimated loss expected to be reclassified into earnings for the year ending December 31, 2003 is $337,000. 36 NOTE 16 - OBLIGATIONS UNDER CAPITAL LEASE The Company leases barrels under long-term leases and has the option to purchase the barrels for a nominal cost at the termination of the lease. Property, plant and equipment include $945,500 of assets held under capital leases, which is net of accumulated amortization of $2,207,000. Future minimum lease payments for assets under capital leases at December 31, 2002 are as follows: (IN THOUSANDS) 2003 $ 891 2004 891 2005 467 ------- Total minimum lease payments $ 2,249 Less amount representing interest (204) ------- Present value of net minimum lease payments 2,045 Less current portion (716) ------- Obligations under capital lease, less current portion $ 1,329 ========
NOTE 17 - QUARTERLY DATA (UNAUDITED) The Company's quarterly operating results for the twelve-month period ended December 31, 2002, the nine-month transition period ended December 31, 2001 and the fiscal year ended March 31, 2001 are summarized below (IN THOUSANDS, EXCEPT PER SHARE DATA): Gross EPS Quarter ended revenues Gross profit Net income (diluted) - ------------------ -------- ------------ ---------- --------- December 31, 2002 $ 20,801 $ 5,664 $ 694 $ 0.06 September 30, 2002 19,012 6,633 664 0.05 June 30, 2002 13,227 4,480 460 0.04 March 31, 2002 15,961 5,351 478 0.04 December 31, 2001 16,209 5,794 654 0.06 September 30, 2001 12,817 4,926 525 0.05 June 30, 2001 13,327 4,870 414 0.04 March 31, 2001 14,656 4,938 473 0.05 December 31, 2000 18,828 6,453 789 0.08 September 30, 2000 14,211 4,315 240 0.02 June 30, 2000 14,518 5,412 548 0.05 EPS calculations for each of the quarters are based on the weighted average common and common equivalent shares outstanding for each period, and the sum of the quarters may not be necessarily equal to the full year EPS amount. EPS for the quarter ended December 31, 2001 was calculated using net income available to common stockholders. NOTE 18 - RECLASSIFICATIONS In July 2002, the Company shifted a major distribution channel from a broker to a distributor. Commissions and shipping costs incurred for sales to the broker were recorded as selling, general and administrative expenses. Case prices charged to the distributor have been reduced by an amount equal to these commission and shipping costs. This caused a reduction of $1,266,000 in gross revenues for the year ended December 31, 2002, when compared to previous periods. For comparability purposes, the Company reclassified $2,130,000 of commissions and shipping costs from selling, general and administrative expenses to net revenues for the nine months ended December 31, 2001. In addition, certain other prior period amounts have been reclassified in order to conform to the current period presentation. 37
INDEPENDENT AUDITOR'S REPORT To the Board of Directors and Stockholders The Chalone Wine Group, Ltd. We have audited the accompanying consolidated balance sheets of The Chalone Wine Group, Ltd., as of December 31, 2002 and 2001, and the related consolidated statements of income, shareholders' equity, and cash flows for the year ended December 31, 2002 and the nine months ended December 31, 2001. These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe our audits provide a reasonable basis for our opinion. In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of The Chalone Wine Group, Ltd., as of December 31, 2002 and 2001, and the results of its operations and cash flows for the year ended December 31, 2002 and the nine months ended December 31, 2001, in conformity with accounting principles generally accepted in the United States of America. As discussed in Note 2 to the consolidated financial statements, effective January 1, 2002, the Company adopted Statement of Financial Accounting Standards No. 142, "Goodwill and Other Intangible Assets". /s/ MOSS ADAMS LLP Santa Rosa, California February 21, 2003 38 INDEPENDENT AUDITORS' REPORT Board of Directors and Shareholders The Chalone Wine Group, Ltd. We have audited the accompanying consolidated statements of income, shareholders' equity, and cash flows for the year ended March 31, 2001. These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provide a reasonable basis for our opinion. In our opinion, such consolidated financial statements present fairly, in all material respects, the results of operations and cash flows of The Chalone Wine Group, Ltd. and subsidiaries for the year ended March 31, 2001 in conformity with accounting principles generally accepted in the United States of America. /s/ DELOITTE & TOUCHE LLP San Francisco, California May 11, 2001 39 ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE. None. PART III ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT. The information required by this Item is incorporated herein by reference to the Company's Proxy Statement relating to the 2003 Annual Meeting of Shareholders to be filed with the Securities and Exchange Commission within 120 days after December 31, 2002. ITEM 11. EXECUTIVE COMPENSATION. The information required by this Item is incorporated herein by reference to the Company's Proxy Statement relating to the 2003 Annual Meeting of Shareholders to be filed with the Securities and Exchange Commission within 120 days after December 31, 2002. ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDERS MATTERS. The information required by this Item is incorporated herein by reference to the Company's Proxy Statement relating to the 2003 Annual Meeting of Shareholders to be filed with the Securities and Exchange Commission within 120 days after December 31, 2002. ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS. The information required by this Item is incorporated herein by reference to the Company's Proxy Statement relating to the 2003 Annual Meeting of Shareholders to be filed with the Securities and Exchange Commission within 120 days after December 31, 2002. ITEM 14. CONTROLS AND PROCEDURES. Within the 90-day period prior to the date of the report, the Company carried out an evaluation, under the supervision and with the participation of the Company's management, including its Chief Executive Officer and Chief Financial Officer, of the effectiveness of the design and operation of the Company's disclosure controls and procedures. Based on that evaluation, the Chief Executive Officer and the Chief Financial Officer concluded that the Company's disclosure controls and procedures are effective in a timely manner to alert them to material information relating to the Company, which is required to disclosed by the Company in the reports that it files or submits under the Securities Exchange Act of 1934. There have been no significant changes in our internal or other factors that could adversely affect these controls, including any corrective actions with regard to significant deficiencies and material weaknesses. PART IV ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K. A(1). FINANCIAL STATEMENTS. The following financial statements of the Company are included in PART II, ITEM 8: PAGE CONSOLIDATED FINANCIAL STATEMENTS Consolidated Balance Sheets......................................... 20 Consolidated Statements of Income................................... 21 Consolidated Statements of Shareholders' Equity..................... 22 Consolidated Statements of Cash Flows............................... 23 Notes to Consolidated Financial Statements.......................... 24 INDEPENDENT AUDITORS REPORTS............................................. 37, 38 A(2). FINANCIAL STATEMENT SCHEDULES. Schedules are omitted because they are not applicable, not required, were filed subsequent to the filing of the Form 10-K, or because the information required to be set forth herein is included in the consolidated financial statements or in notes thereto. 40 B. REPORTS ON FORM 8-K. The Company filed no reports on Form 8-K during the last quarter of the period covered by this Report: C. EXHIBITS. A copy of any exhibits (at a reasonable cost) or the Exhibit Index will be furnished to any shareholder of the Company upon receipt of a written request therefor. Such request should be sent to The Chalone Wine Group, Ltd., 621 Airpark Road, Napa, California 94558, Attention: Investor Relations. 41 EXHIBIT INDEX EXHIBIT NUMBER EXHIBIT DESCRIPTION 3.1 Restated Articles of Incorporation, as amended through June 3, 1985. ((3)) 3.2 Amendment to Restated Articles, filed June 6, 1988. (ii) 3.3 Amendment to Restated Articles, filed May 17, 1991. (iii) 3.4 Amendment to Restated Articles, filed July 14, 1993. (iv) 3.5 Bylaws, as amended through December 1992. (i) 3.6 1993 Bylaw amendments. (iv) 3.7 Amendment to Restated Articles, filed June 24 ,2002 4.1 5% Convertible Subordinated Debenture Due 1999 (SDBR Debenture), issued to Les Domaines Barons de Rothschild (Lafite) ("DBR"), dated April 19, 1989. (v) 4.2 Shareholders' Agreement between the Company and DBR, dated April 19, 1989. (v) 4.3 Form of 5% Convertible Subordinated Debenture Due 1999 (third-party debentures), issued April 19 and 28, 1989. (v) 4.4 5% Convertible Subordinated Debenture Due 1999 (1991 Debenture), issued to DBR, dated September 30, 1991. (vi) 4.5 Addendum to Shareholders' Agreement, between the Company and DBR, dated September 30, 1991. (vi) 4.6 Common Stock Purchase Agreement, between the Company and certain designated investors, dated March 29, 1993. (vii) - ---------- (i) Incorporated by reference to Exhibit No. 3.3 to the Company's Annual Report on Form 10-K for the year ended December 31, 1991, dated March 25, 1992. (ii) Incorporated by reference to Exhibit Nos. 3.4 and 3.6, respectively, to the Company's Annual Report on Form 10-K for the year ended December 31, 1993, dated March 26, 1994. (iii) Incorporated by reference to Exhibit Nos. 1, 4 and 5, respectively, to the Company's Current Report on Form 8-K dated April 28, 1989. (iv) Incorporated by reference to Exhibit Nos. 1 and 3, respectively, to the Company's Current Report on Form 8-K dated September 30, 1991. (vii) Incorporated by reference to Exhibit No. 1 to the Company's Current Report on Form 8-K dated March 31, 1993. 42 EXHIBIT INDEX EXHIBIT NUMBER EXHIBIT DESCRIPTION 4.7 Form of Warrant for the purchase in the aggregate of up to 828,571 shares of the Company's common stock, issued to certain designated investors, effective July 14, 1993. (i) 4.8 Voting Agreement, between Richard H. Graff, William L. Hamilton, John A. McQuown, W. Philip Woodward, DBR, Richard C. Hojel, and Summus Financial, Inc., dated March 29, 1993. ((3)) 4.9 Common Stock Purchase Agreement, between the Company and certain designated investors, dated April 22, 1994. (ii) 4.10 Form of Warrant for the purchase in the aggregate of up to 833,333 shares of the Company's common stock, issued to certain designated investors, effective October 25, 1995. (iii) 4.11 Voting Agreement, between W. Philip Woodward, DBR, and Summus Financial, Inc., dated October 25, 1995. (iii) 4.12 Voting Agreement, dated August 31, 2001, between DBR and SFI (vi) Intermediate, Ltd. 10.1 Joint Venture Agreement between the Company and Paragon Vineyard Co., Inc. ("Paragon"), effective January 1, 1991. (iv) 10.2 Revised Grape Purchase Agreement between Edna Valley Vineyard Joint Venture and Paragon, effective January 1, 1991. (iv) 10.3 License Agreement between Edna Valley Vineyard Joint Venture and Paragon, effective January 1, 1991. (iv) 10.4 Ground Lease between Edna Valley Vineyard Joint Venture and Paragon, effective June 1, 1991. (iv) 10.5 Amended and Restated Commercial Winery and Agricultural Lease, dated July 31, 1986, assigned by Assignment and Assumption Agreement among the Company, Lakeside Winery and Vista de Los Vinedos, dated August 5, 1986. (v) - ---------- (i) Incorporated by reference to Exhibit Nos. 1 and 6, respectively, to the Exhibit herein referenced as Exhibit 4.8. (ii) Incorporated by reference to Exhibit No. 1 to the Company's Current Report on Form 8-K dated April 27, 1994. (iii) Incorporated by reference to Exhibit D to Appendix 1 to the Company's Proxy Statement for a Special Meeting of Shareholders, filed October 25, 1995. (iv) Incorporated by reference to Exhibit Nos. 1, 3, 4 and 2, respectively, to the Company's Current Report on Form 8-K dated May 30, 1991. (v) Incorporated by reference to Exhibit No. 10.10 to the Company's Registration Statement on Form S-1 (File No. 33-8666), filed September 11, 1986. (vi) Incorporated by reference to Exhibit No. 99.1 to the Company's Current Report on Form 8-K Dated August 31, 2001. 43 EXHIBIT INDEX EXHIBIT NUMBER EXHIBIT DESCRIPTION 10.6 Novation and Modification Agreement, between the Company and Henry P. and Marina C. Wright, dated July 15, 1988, Amending Agreement incorporated as Exhibit 10.5. (i) 10.7 Tenancy in Common Agreement, between the Company and Henry P. and Marina C. Wright, dated July 15, 1988. ((3)) 10.8 Vineyard Lease, between the Company and Henry P. and Marina C. Wright, dated July 15, 1988. ((3)) 10.9 1988 Qualified Profit-Sharing Plan, approved May 21, 1988. (ii) 10.11 Amendment No. 2 to Qualified Profit Sharing Plan, incorporated as Exhibit 10.9, dated February 7, 1990. (iii) 10.12 Profit Sharing Trust Agreement ((3)) 10.13 Easement Agreement between the Company and Stonewall Canyon Ranches, dated August 19, 1988. ((3)) 10.14 1987 Stock Option Plan, as amended effective May 16, 1991. (iv) 10.15 1988 Non-Discretionary Stock Option Plan, as amended effective May 16, 1991. (iv) 10.16 Employee Stock Purchase Plan, as amended effective May 16, 1991. (iv) 10.17 Amendment/Extension of Employee Stock Purchase Plan, effective July 13, 1993. (v) 10.18 Agreement of Joint Venture, between the Company and Canoe Ridge Vineyard, Incorporated [CRVI], dated December 31, 1990. (vi) - ---------- (i) Incorporated by reference to Exhibit Nos. 10.22, 10.20 and 10.21, respectively, to the Company's Annual Report on Form 10-K for the year ended December 31, 1988, dated March 11, 1989. (ii) Incorporated by reference to Exhibit Nos. 10.16, 10.17 and 10.24, respectively, to the Company's Annual Report on Form 10-K for the year ended December 31, 1988, dated March 11, 1989. (iii) Incorporated by reference to Exhibit Nos. 10.17 and 10.18, respectively, to the Company's Annual Report on Form 10-K for the year ended December 31, 1989, dated March 27, 1990. (iv) Incorporated by reference to Exhibit Nos. 10.23, 10.24 and 10.25, respectively, to the Company's Annual Report on Form 10-K for the year ended December 31, 1991, dated March 25, 1992. (v) Incorporated by reference to Exhibit Nos. 10.22 and 10.29, respectively, to the Company's Annual Report on Form 10-K for the year ended December 31, 1993, dated March 26, 1994. (vi) Incorporated by reference to Exhibit No. 10.27 to the Company's Annual Report on Form 10-K for the year ended December 31, 1990, dated March 26, 1991. 44 EXHIBIT INDEX EXHIBIT NUMBER EXHIBIT DESCRIPTION 10.19 Credit Agreement between the Company and Wells Fargo Bank, dated July 20, 1992. (i) 10.20 Industrial Real Estate Lease, dated February 19, 1993. ((3)) 10.21 First Amendment to Credit Agreement between the Company and Wells Fargo Bank incorporated as Exhibit 10.19, dated March 18, 1993. ((3)) 10.22 First Amendment to Industrial Real Estate Lease incorporated as Exhibit 10.20, dated December 8, 1993. (ii) 10.23 Credit Agreement between the Company and Wells Fargo Bank, dated August 30, 1993. (iii) 10.24 First Amendment to Credit Agreement between the Company and Wells Fargo Bank, attached as Exhibit 10.22, dated March 24, 1994. (iii) 10.25 Credit Agreement between the Company and Wells Fargo Bank, dated July 29, 1994. (iii) 10.26 Canoe Ridge Winery, Inc., Shareholders' Agreement, among the Company and designated Washington State investors, dated November 30, 1994. (iii) 10.27 Amendment to Employee Stock Purchase Plan, effective January 1, 1995. (iii) 10.28 Omnibus Agreement between the Company, DBR, and Summus Financial, dated August 22, 1995. (iv) 10.29 Credit Agreement between the Company and Wells Fargo Bank, dated December 29, 1995. (v) - ---------- (i) Incorporated by reference to Exhibit Nos. 10.24 through 10.27, respectively, to the Company's Annual Report On Form 10-K for the year ended December 31, 1992, dated March 29, 1993. (ii) Incorporated by reference to Exhibit Nos. 10.22 and 10.29, respectively, to the Company's Annual Report On Form 10-K for the year ended December 31, 1993, dated March 26, 1994. (iii) Incorporated by reference to Exhibit Nos. 10.23 through 10.27, respectively, to the Company's Annual Report On Form 10-K for the year ended December 31, 1994, dated March 27, 1995. (iv) Incorporated by reference to Appendix I to the Company's Proxy Statement for a Special Meeting of Shareholders, Filed October 25, 1995. (v) Incorporated by reference to Exhibit No. 10.21 to the Company's Annual Report on Form 10-K for the year ended December 31, 1995. 45 EXHIBIT INDEX EXHIBIT NUMBER EXHIBIT DESCRIPTION 10.30 Credit Agreement between Edna Valley Vineyard and Wells Fargo Bank, dated July 31, 1995. (i) 10.31 Purchase Agreement between the Company, Richard H. Graff, Trustee, Graff 1993 Trust dated June 10, 1993, a trust and Richard H. Graff an individual, dated July 1, 1996. ((3)) 10.32 Promissory Note between the Company and Richard H. Graff, dated July 1, 1996. ((3)) 10.33 Secured Purchase Money Promissory Note between the Company and Richard H. Graff, Trustee, Graff 1993 Trust, dated July 1, 1996. ((3)) 10.34 Residential Lease between the Company and Richard H. Graff, dated July 1, 1996. ((3)) 10.35 Consulting and Non-Competition Agreement between the Company and Richard H. Graff, date July 1, 1996. ((3)) 10.36 Credit Agreement between the Canoe Ridge Vineyard, LLC, and Wells Fargo Bank, dated August 15, 1996. ((3)) 10.37 Credit Agreement between the Company and Wells Fargo Bank, dated September 25, 1996. ((3)) 10.38 Amendment to Joint Venture Agreement of Edna Valley Vineyard between Paragon Vineyard Co., Inc., and the Company, dated December 23, 1996. ((3)) 10.39 Credit Agreement between the Company and Wells Fargo Bank, dated July 30, 1997. (ii) 10.40 Credit Agreement between Edna Valley Vineyard and Wells Fargo Bank, dated July 30, 1997. (ii) 10.41 Credit Agreement between Canoe Ridge Vineyard, LLC, and Wells Fargo Bank, dated July 30, 1997. (ii) 10.42 First Amendment to Credit Agreement between the Company and Wells Fargo Bank incorporated as Exhibit 10.39, dated January 5, 1998. (ii) 10.43 Second Amendment to Credit Agreement between the Company and Wells Fargo Bank incorporated as Exhibit 10.39, dated June 9, 1998. (ii) - ---------- (i) Incorporated by reference to Exhibit nos. 10.30 through 10.38, respectively, to the Company's Annual Report on Form 10-K for the year ended December 31, 1996. (ii) Incorporated by reference to Exhibit nos. 10.39 through 10.45, respectively, to the Company's Annual Report on Form 10-K for the year ended March 31, 1998. 46 EXHIBIT INDEX EXHIBIT NUMBER EXHIBIT DESCRIPTION 10.44 First Amendment to Credit Agreement between Edna Valley Vineyard and Wells Fargo Bank incorporated as Exhibit 10.40, dated June 9, 1998. (i) 10.45 First Amendment to Credit Agreement between Canoe Ridge Vineyard, LLC and Wells Fargo Bank incorporated as Exhibit 10.41, dated June 9, 1998. ((3)) 10.46 Lease-Purchase Agreement between the Company and Frances Goodwin, Trustee of Lois Martinez Trust, dated December 30, 1999. (ii) 10.47 Credit Agreement by and between Cooperative Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank Nederland," New York Branch and the Company, dated March 31, 1999. (ii) 10.48 Term Loan Promissory Note between Cooperative Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank Nederland," New York Branch and the Company, dated March 31, 1999. (ii) 10.49 Revolving Loan Promissory Note between Cooperative Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank Nederland," New York Branch and the Company, dated March 31, 1999. (ii) 10.50 Purchase Agreement among Peter Ansdell, SHW Equity Co., and the Company, and SHW Equity Co., dated June 15, 1999. (ii) 10.51 Senior unsecured notes (series A,B,C) between Agstar Financial Services, Farm Credit Services of America and the Company, dated September 15, 2000. (iii) 10.52 Amendment to agreement between Agstar Financial Services, Farm Credit Services of America and the Company dated February, 2001. (iv) 10.53 Revolving Loan Promissory Note renewal between Cooperative Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank Nederland," New York Branch and the Company, dated March 31, 2001. (v) 10.54 Credit Agreement between Cooperative Centrale Raiffeisen- Boerenleenbank B.A., "Rabobank International," New York Branch and the Company, dated April 19, 2002. - ---------- (i) Incorporated by reference to Exhibit Nos. 10.39 through 10.45, respectively, to the Company's Annual Report on Form 10-K for the year ended March 31, 1998. (ii) Incorporated by reference to Exhibit Nos. 10.46 through 10.50, respectively, to the Company's Annual Report on Form 10-K for the year ended March 31, 1999. (iii) Incorporated by reference to Exhibit Nos. 10.23 through 10.27, respectively, to the Company's Annual Report on Form 10-K for the year ended December 31, 1994, dated march 27, 1995. (iv) Incorporated by reference to Appendix I to the Company's Proxy Statement for a Special Meeting of Shareholders, Filed October 25, 1995. (v) Incorporated by reference to Exhibit No. 10.21 to the Company's Annual Report on Form 10-K for the year ended December 31, 1995. 47 EXHIBIT INDEX EXHIBIT NUMBER EXHIBIT DESCRIPTION 10.55 Amended and Restated Note Purchase Agreement between Agstar Financial Services, Farm Credit Services of America and the Company, dated April 19, 2002. 10.56 Second Amendment to Joint Venture Agreement of Edna Valley Vineyard between Paragon Vineyard Co., and the Company, dated June 2002. 10.57 Second Amended and Restated Grape Purchase Agreement between Paragon Vineyard Co., and Edna Valley Vineyard, dated June 2002. 10.58 First Amendment to Credit Agreement and Consent between Cooperative Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International," New York Branch and the Company, dated August 2002 10.59 First Amendment and Consent to Amended and Restated Note Purchase Agreement between the Company and AgStar Financial Services and Farm Credit Services of America, dated August 23, 2002. 10.60 Convertible Note Purchase Agreement between the Company and SFI Intermediate Limited and Les Domaines Baron de Rothchild (Lafite), dated August 21, 2002. 10.61 Convertible Subordinated Promissory Note between the Company and Les Domaines Baron, de Rothchild (Lafite), dated August 21, 2002. 10.62 Subordination Agreement between Les Domaines Baron de Rothchild (Lafite) and each of the Senior Lenders, dated August 21, 2002. 10.63 Convertible Subordinated Promissory Note between the Company and SFI Intermediate Limited, dated August 2002. 10.64 Subordination Agreement between SFI Intermediate Limited and each of the Senior Lenders, dated August 21, 2002. 10.65 Registration Rights Agreement between the Company and SFI Intermediate Limited and Les Domaines Baron de Rothchild (Lafite), dated August 21, 2002. 23 Consent of Deloitte & Touche LLP to incorporation by reference, dated March 29, 2002. 23.1 Consent of Moss Adams LLP to incorporation by reference, dated March 27, 2002. 23.2 Consent of Deloitte & Touche LLP to incorporation by reference, dated March 31, 2003. 23.3 Consent of Moss Adams LLP to incorporation by reference, dated March 27, 2003. 48 EXHIBIT INDEX EXHIBIT NUMBER EXHIBIT DESCRIPTION 99.1 Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. 99.2 Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. 49 SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. THE CHALONE WINE GROUP, LTD. By /s/ THOMAS B. SELFRIDGE ----------------------------------------------------- Thomas B. Selfridge Chief Executive Officer (Principal Executive Officer) By /s/ SHAWN M. CONROY BLOM ----------------------------------------------------- Shawn Conroy Blom Vice President of Finance and Chief Financial Officer Dated: March 31, 2003 Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated. /s/ THOMAS B. SELFRIDGE Director March 31, 2003 - ------------------------------------- Thomas B. Selfridge /s/ CHRISTOPHE SALIN Chairman March 31, 2003 - ------------------------------------- Christophe Salin /s/ W. PHILIP WOODWARD Director March 31, 2003 - ------------------------------------- W. Philip Woodward /s/ CRISTINA G. BANKS Director March 31, 2003 - ------------------------------------- Cristina G. Banks /s/ GEORGE E. MYERS Director March 31, 2003 - ------------------------------------- George E. Myers /s/ JAMES H. NIVEN Director March 31, 2003 - ------------------------------------- James H. Niven /s/ ERIC DE ROTHSCHILD Director March 31, 2003 - ------------------------------------- Eric de Rothschild /s/ MARK HOJEL Director March 31, 2003 - ------------------------------------- Mark Hojel 50 /s/ YVES-ANDRE ISTEL Director March 31, 2003 - ------------------------------------- Yves-Andre Istel /s/ PHILLIP M. PLANT Director March 31, 2003 - ------------------------------------- Phillip M. Plant /s/ C. RICHARD KRAMLICH Director March 31, 2003 - ------------------------------------- C. Richard Kramlich 51 THE CHALONE WINE GROUP, LTD. DIRECTORS, OFFICERS & WINERY LOCATIONS BOARD OF DIRECTORS Christophe Salin, CHAIRMAN Thomas B. Selfridge, PRESIDENT & CHIEF EXECUTIVE OFFICER W. Philip Woodward Cristina G. Banks Mark A. Hojel Yves-Andre Istel C. Richard Kramlich George E. Myers James H. Niven Phillip M. Plant Eric de Rothschild OFFICERS Christophe Salin, CHAIRMAN Thomas B. Selfridge, PRESIDENT & CHIEF EXECUTIVE OFFICER Shawn M. Conroy Blom, VICE PRESIDENT OF FINANCE AND CHIEF FINANCIAL OFFICER Robert B. Farver, VICE PRESIDENT OF SALES AND DISTRIBUTION Alan S. Drage-Lussier, VICE PRESIDENT OF HUMAN RESOURCES ACACIA VINEYARD 2750 Las Amigas Road, Napa, California 94559 707.226.9991 www.acaciavineyard.com CANOE RIDGE VINEYARD 1102 W. Cherry Street, Walla Walla, Washington 99362 509.527.0885 www.canoeridgevineyard.com MOON MOUNTAIN VINEYARD 1700 Moon Mountain Drive, Sonoma, California 95476 707.996.5870 CHALONE VINEYARD Stonewall Canyon Road & Highway 146, Soledad, California 93960 831.678.1717 www.chalonevineyard.com ECHELON VINEYARDS 2425 Mission Street, San Miguel, California 93401 707.254.4200 www.echelonvineyards.com EDNA VALLEY VINEYARD 2585 Biddle Ranch Road, San Luis Obispo, California 93401 805.544.5855www.endavalley.com JADE MOUNTAIN 621 Airpark RoadCalifornia 94558 707.254-4200 www.jademountainvineyard.com SAGELANDS WINERY 71 Gangl Road, Wapato, Washington 98951 509.877.2112 www.sagelandsvineyard.com 52 PROVENANCE VINEYARDS 1695 St. Helena Highway, Rutherford, California 94573 707.968-3633 www.provenancevineyards.com Hewitt Vineyard 1695 St. Helena Highway, Rutherford, California 94573 707-968-3633 CORPORATE OFFICE 621 Airpark Road, Napa, California 94558-6272 707.254.4200 WWW.CHALONEWINEGROUP.COM CHALONE WINE FOUNDATION 1000 Main Street, Suite 210 Napa, CA 94559 707.254.1160 COMMON STOCK Chalone Wine Group, Ltd. Common stock is currently traded over-the-counter in the NASDAQ National Market System, under the symbol "CHLN." STOCK TRANSFER AGENT EquiServe P.O. Box 8040 Boston, MA 02266-8040 Investor Relations Number 781.575.3120 Internet Address: HTTP://WWW.EQUISERVE.COM INDEPENDENT AUDITORS Moss Adams LLP Santa Rosa, California LEGAL COUNSEL Farella Braun + Martel, LLP San Francisco, California ANNUAL MEETING The Annual Meeting of Shareholders will be held on Thursday, May 29, 2003, at 2:00pm at Chalone Wine Group's corporate office, 621 Airpark Road, Napa, California. ANNUAL REPORT (FORM 10-K) A copy of the Company's Annual Report, Form 10-K for the year ended December 31, 2002 is filed with the Securities & Exchange Commission and is available to shareholders by written request to: Chalone Wine Group Attn: Investor Relations 621 Airpark Road Napa, California 94558-6272 53 CHALONE WINE GROUP, LTD. I, SHAWN M. CONROY BLOM, certify that: 1. I have reviewed this annual report on Form 10-K of The Chalone Wine Group; 2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this annual report; 3. Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this annual report; 4. The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we have: (a) designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this annual report is being prepared; (b) evaluated the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this annual report (the "EVALUATION DATE"); and (c) presented in this annual report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date; 5. The registrant's other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent function): (a) all significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, process, summarize and report financial data and have identified for the registrant's auditors any material weaknesses in internal controls; and (b) any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal controls; 6. The registrant's other certifying officers and I have indicated in this annual report whether or not there were significant changes in internal controls or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses. DATED: MARCH 31, 2003 THE CHALONE WINE GROUP, LTD. - ----------------------- ---------------------------- (Registrant) /s/ SHAWN M. CONROY BLOM ------------------------------------------ Shawn M. Conroy Blom Vice President and Chief Financial Officer 54 CHALONE WINE GROUP, LTD. I, THOMAS B. SELFRIDGE, certify that: 1. I have reviewed this annual report on Form 10-K of The Chalone Wine Group; 2. Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this annual report; 3. Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this annual report; 4. The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we have: (a) designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this annual report is being prepared; (b) evaluated the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this annual report (the "EVALUATION DATE"); and (c) presented in this annual report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date; 5. The registrant's other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent function): (a) all significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, process, summarize and report financial data and have identified for the registrant's auditors any material weaknesses in internal controls; and (b) any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal controls; 6. The registrant's other certifying officers and I have indicated in this annual report whether or not there were significant changes in internal controls or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses. DATED: MARCH 31, 2003 THE CHALONE WINE GROUP, LTD. - ---------------------- --------------------------- (Registrant) /s/ THOMAS B. SELFRIDGE ------------------------------------- Thomas B. Selfridge President and Chief Executive Officer 55 EX-3.(I) 3 ex3-7.txt EXHIBIT 3.7 - RESTATED ARTICLES OF INCORPORATION EXHIBIT 3.7 CERTIFICATE OF AMENDMENT OF RESTATED ARTICLES OF INCORPORATION OF THE CHALONE WINE GROUP, LTD., a California corporation The undersigned, Thomas B. Selfridge and Daniel E. Cohn, hereby certify that: ONE: They are the duly elected and acting President and Chief Executive Officer and the Secretary, respectively, of The Chalone Wine Group, Ltd. a California corporation. TWO: Article THIRD of the Restated Articles of Incorporation of this corporation is amended to read in its entirety as follows: "THIRD. The Corporation is authorized to issue only one class of stock; and the total number of shares which the Corporation is authorized to issue is Twenty-Five Million (25,000,000)." THREE: The foregoing amendment of the Restated Articles of Incorporation of this corporation has been duly approved by the Board of Directors of this corporation. FOUR: The foregoing amendment of the Restated Articles of Incorporation of this corporation has been duly approved by the required vote of shareholders in accordance with Sections 902 and 903 of the California Corporations Code. The total number of outstanding shares is 12,068,944. The percentage vote required was fifty percent (50%) or more of the outstanding shares and the number of shares voting in favor of the foregoing amendment equaled or exceeded the vote required. We further declare under penalty of perjury that the matters set forth in the foregoing certificate are true and correct of our own knowledge. Executed at Napa, California, on June 18, 2002. /s/ THOMAS B. SELFRIDGE __________________________________ Thomas B. Selfridge, President and Chief Executive Officer /s/ DANIEL E. COHN __________________________________ Daniel E. Cohn, Secretary EX-10 4 ex10-54.txt EXHIBIT 10.54 - CREDIT AGREEMENT ================================================================================ THE CHALONE WINE GROUP, LTD. ________________________________ CREDIT AGREEMENT Dated as of April 19, 2002 ________________________________ COOPERATIEVE CENTRALE RAIFFEISEN - BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH ARRANGER, ADMINISTRATIVE AGENT SWINGLINE LENDER AND ISSUING LENDER ================================================================================ TABLE OF CONTENTS PAGE ARTICLE I DEFINITIONS ......................................................1 SECTION 1.01 Certain Defined Terms........................................1 SECTION 1.02 Accounting Principles.......................................24 (A) ACCOUNTING TERMS.....................................24 (B) GAAP CHANGES.........................................24 (c) "FISCAL YEAR" AND "FISCAL QUARTER"...................24 SECTION 1.03 Interpretation..............................................24 ARTICLE II THE LOANS.......................................................25 SECTION 2.01 The Loans...................................................25 (A) REVOLVING LOANS......................................25 (B) TERM LOANS...........................................26 (C) SWINGLINE LOANS......................................26 (D) ADDITIONAL TERM LOANS................................26 SECTION 2.02 Borrowing Procedure - Revolving Loans and Term Loans........26 (A) NOTICE TO THE AGENT..................................26 (B) NOTICE TO THE LENDERS................................27 (C) NON-RECEIPT OF FUNDS.................................27 SECTION 2.03 Borrowing Procedure--Swingline Loans........................27 (A) NOTICE TO THE AGENT..................................27 (b) PARTICIPATIONS IN SWINGLINE LOANS:...................28 SECTION 2.04 Lending Offices.............................................29 SECTION 2.05 Evidence of Indebtedness....................................29 SECTION 2.06 Minimum Amounts.............................................30 SECTION 2.07 Required Notice.............................................30 ARTICLE III THE LETTERS OF CREDIT..........................................30 SECTION 3.01 The Letter of Credit Subfacility............................30 (A) LETTERS OF CREDIT....................................30 (B) CONDITIONS TO ISSUANCE...............................31 SECTION 3.02 Issuance, Amendment and Renewal of Letters of Credit........32 (A) NOTICE TO ISSUING LENDER OF ISSUANCE REQUEST.........32 (B) ISSUANCE OF LETTERS OF CREDIT........................32 (C) NOTICE TO ISSUING LENDER OF AMENDMENT REQUEST........32 (D) NOTICE TO ISSUING LENDER OF RENEWAL REQUEST..........33 (E) EXPIRY OF LETTERS OF CREDIT..........................33 (F) CONFLICTS WITH L/C-RELATED DOCUMENTS.................33 (G) DELIVERY OF COPIES OF LETTERS OF CREDIT..............33 (H) NOTICES TO LENDERS...................................33 SECTION 3.03 Participations, Drawings and Reimbursements.................34 (A) PARTICIPATIONS OF LENDERS IN ADDITIONAL LETTERS OF CREDIT..........................................34 (B) DRAWING AND REIMBURSEMENT............................34 (C) FUNDING BY LENDERS...................................34 i. PAGE (D) L/C UNREIMBURSED DRAWINGS............................35 (E) OBLIGATION OF LENDERS ABSOLUTE.......................35 SECTION 3.04 Repayment of Participations.................................35 SECTION 3.05 Role of the Issuing Lender..................................35 (A) NO RESPONSIBILITY OF ISSUING LENDER..................35 (B) NO LIABILITY OF AGENT/IB-RELATED PERSONS.............36 SECTION 3.06 Obligations of Borrower Absolute............................36 SECTION 3.07 Cash Collateral Pledge......................................37 SECTION 3.08 Letter of Credit Fees.......................................37 (A) CERTAIN LETTER OF CREDIT FEES........................37 (B) CERTAIN ADDITIONAL FEES AND CHARGES..................38 (C) FEES NONREFUNDABLE...................................38 SECTION 3.09 Applicability of ISP98......................................38 ARTICLE IV INTEREST AND FEES; CONVERSION OR CONTINUATION...................38 SECTION 4.01 Interest....................................................38 (A) INTEREST RATE........................................38 (B) INTEREST PERIODS.....................................39 (C) INTEREST PAYMENT DATES...............................39 (D) NOTICE TO THE BORROWER AND THE LENDERS...............40 SECTION 4.02 Default Rate of Interest....................................40 SECTION 4.03 Fees........................................................40 (A) COMMITMENT FEE.......................................40 (B) UPFRONT FEE..........................................40 (C) ANNUAL AGENCY FEE....................................40 (D) FEES NONREFUNDABLE...................................40 SECTION 4.04 Computations................................................40 SECTION 4.05 Conversion or Continuation..................................41 (A) ELECTION.............................................41 (B) AUTOMATIC CONVERSION.................................41 (C) NOTICE TO THE AGENT..................................41 (D) NOTICE TO THE LENDERS................................41 SECTION 4.06 Highest Lawful Rate.........................................42 ARTICLE V REDUCTION OF COMMITMENTS; REPAYMENT; PREPAYMENT..................42 SECTION 5.01 Reduction or Termination of the Commitments.................42 (A) OPTIONAL REDUCTION OR TERMINATION....................42 (B) MANDATORY TERMINATION................................42 (C) OTHER MANDATORY REDUCTIONS...........................42 (D) NOTICE...............................................43 (E) ADJUSTMENT OF COMMITMENT FEE; NO REINSTATEMENT.......43 SECTION 5.02 Repayment of the Loans......................................43 (A) REVOLVING LOANS......................................43 (B) TERM LOANS...........................................43 (C) SWINGLINE LOANS......................................43 ii. PAGE SECTION 5.03 Prepayments.................................................43 (A) OPTIONAL PREPAYMENTS.................................43 (B) MANDATORY PREPAYMENTS................................44 (C) ORDER OF APPLICATION.................................45 (D) NOTICE; APPLICATION..................................46 ARTICLE VI YIELD PROTECTION AND ILLEGALITY.................................46 SECTION 6.01 Inability to Determine Rates................................46 SECTION 6.02 Funding Losses..............................................47 SECTION 6.03 Regulatory Changes..........................................47 (A) INCREASED COSTS......................................47 (B) CAPITAL REQUIREMENTS.................................47 (C) REQUESTS.............................................48 SECTION 6.04 Illegality..................................................48 SECTION 6.05 Funding Assumptions.........................................48 SECTION 6.06 Obligation to Mitigate......................................48 SECTION 6.07 Substitution of Lenders.....................................48 ARTICLE VII PAYMENTS.......................................................49 SECTION 7.01 Pro Rata Treatment..........................................49 SECTION 7.02 Payments....................................................49 (A) PAYMENTS.............................................49 (B) APPLICATION..........................................49 (C) EXTENSION............................................49 SECTION 7.03 Taxes.......................................................50 (A) NO REDUCTION OF PAYMENTS.............................50 (B) DEDUCTION OR WITHHOLDING; TAX RECEIPTS...............50 (C) INDEMNITY............................................50 (D) FORMS................................................50 (E) MITIGATION...........................................51 SECTION 7.04 Non-Receipt of Funds........................................51 SECTION 7.05 Sharing of Payments.........................................51 ARTICLE VIII CONDITIONS PRECEDENT..........................................52 SECTION 8.01 Conditions Precedent to the Initial Credit Extensions.......52 (A) FEES AND EXPENSES....................................52 (B) LOAN DOCUMENTS.......................................52 (C) DOCUMENTS AND ACTIONS RELATING TO COLLATERAL.........52 (D) ADDITIONAL CLOSING DOCUMENTS AND ACTIONS.............53 (E) CORPORATE DOCUMENTS..................................54 (F) LEGAL OPINIONS.......................................54 (G) SENIOR SECURED NOTE DOCUMENTS........................55 (H) PRO-FORMA DEBT TO EBITDA RATIO.......................55 SECTION 8.02 Conditions Precedent to All Credit Extensions...............55 (A) NOTICE...............................................55 iii. PAGE (B) MATERIAL ADVERSE EFFECT..............................55 (C) REPRESENTATIONS AND WARRANTIES; NO DEFAULT...........55 (D) ADDITIONAL DOCUMENTS.................................56 ARTICLE IX REPRESENTATIONS AND WARRANTIES..................................56 SECTION 9.01 Representations and Warranties..............................56 (A) ORGANIZATION AND POWERS..............................56 (B) AUTHORIZATION; NO CONFLICT...........................56 (C) BINDING OBLIGATION...................................56 (D) CONSENTS.............................................56 (E) NO DEFAULTS..........................................57 (F) TITLE TO PROPERTIES; LIENS; USE......................57 (G) LITIGATION...........................................57 (H) COMPLIANCE WITH ENVIRONMENTAL LAWS...................57 (I) GOVERNMENTAL REGULATION..............................57 (J) ERISA................................................57 (K) SUBSIDIARIES.........................................58 (L) MARGIN REGULATIONS...................................58 (M) TAXES................................................58 (N) PATENTS AND OTHER RIGHTS.............................58 (O) INSURANCE............................................59 (P) FINANCIAL STATEMENTS.................................59 (Q) LIABILITIES..........................................59 (R) LABOR DISPUTES, ETC..................................59 (S) SOLVENCY.............................................59 (T) DISCLOSURE...........................................59 ARTICLE X COVENANTS........................................................59 SECTION 10.01 Reporting Covenants.........................................59 (A) FINANCIAL STATEMENTS AND OTHER REPORTS...............60 (B) ADDITIONAL INFORMATION...............................62 SECTION 10.02 Financial Covenants.........................................63 (A) LEVERAGE RATIO.......................................63 (B) MINIMUM CONSOLIDATED TANGIBLE NET WORTH..............63 (C) INTEREST COVERAGE RATIO..............................63 (D) FIXED CHARGE COVERAGE RATIO..........................64 (E) CAPITAL EXPENDITURES.................................64 SECTION 10.03 Additional Affirmative Covenants............................65 (A) PRESERVATION OF EXISTENCE, ETC.......................65 (B) PAYMENT OF OBLIGATIONS...............................65 (C) MAINTENANCE OF INSURANCE.............................65 (D) KEEPING OF RECORDS AND BOOKS OF ACCOUNT..............66 (E) INSPECTION RIGHTS....................................66 (F) COMPLIANCE WITH LAWS, ETC............................66 (G) MAINTENANCE OF PROPERTIES, ETC.......................66 iv. PAGE (H) LICENSES.............................................66 (I) ACTION UNDER ENVIRONMENTAL LAWS......................66 (J) USE OF PROCEEDS......................................67 (K) ADDITIONAL SUBSIDIARIES..............................67 (L) PROCEEDS OF EVENTS OF LOSS...........................67 (M) FURTHER ASSURANCES AND ADDITIONAL ACTS...............67 SECTION 10.04 Negative Covenants..........................................67 (A) INDEBTEDNESS.........................................67 (B) LIENS; NEGATIVE PLEDGES..............................69 (C) CHANGE IN NATURE OF BUSINESS.........................69 (D) RESTRICTIONS ON FUNDAMENTAL CHANGES..................69 (E) SALES OF ASSETS......................................69 (F) LOANS AND INVESTMENTS................................70 (G) SALES AND LEASEBACKS.................................71 (H) DISTRIBUTIONS. (i)..................................71 (I) AMENDMENTS OF CERTAIN DOCUMENTS......................72 (J) REDEMPTION OF SUBORDINATED DEBT......................72 (K) TRANSACTIONS WITH RELATED PARTIES....................72 (L) HAZARDOUS SUBSTANCES.................................73 (M) ACCOUNTING CHANGES...................................73 (N) FOREIGN SUBSIDIARIES.................................73 ARTICLE XI EVENTS OF DEFAULT...............................................73 SECTION 11.01 Events of Default...........................................73 (A) PAYMENTS.............................................73 (B) REPRESENTATIONS AND WARRANTIES.......................73 (C) FAILURE BY BORROWER TO PERFORM CERTAIN COVENANTS.....73 (D) FAILURE BY BORROWER TO PERFORM OTHER COVENANTS.......73 (E) INSOLVENCY; VOLUNTARY PROCEEDINGS....................74 (F) INVOLUNTARY PROCEEDINGS..............................74 (G) DEFAULT UNDER OTHER INDEBTEDNESS.....................74 (H) JUDGMENTS............................................75 (I) ERISA................................................75 (J) DISSOLUTION, ETC.....................................75 (K) MATERIAL ADVERSE EFFECT..............................75 (L) CHANGE IN OWNERSHIP OR CONTROL.......................75 (M) FAILURE BY GUARANTOR TO PERFORM COVENANTS; INVALIDITY OF GUARANTY.............................75 (N) ENVIRONMENTAL INDEMNITY..............................76 (O) SUBORDINATION PROVISIONS.............................76 (P) COLLATERAL DOCUMENTS.................................76 SECTION 11.02 Effect of Event of Default..................................76 v. PAGE ARTICLE XII THE AGENT 77 SECTION 12.01 Authorization and Action....................................77 SECTION 12.02 Limitation on Liability of Agent; Notices; Closing..........77 (A) LIMITATION ON LIABILITY OF AGENT AND ISSUING LENDER.............................................78 (B) NOTICES..............................................78 (C) CLOSING..............................................78 SECTION 12.03 Agent and Affiliates........................................79 SECTION 12.04 Notice of Defaults..........................................79 SECTION 12.05 Non-Reliance on Agent and Issuing Lender....................79 SECTION 12.06 Indemnification.............................................79 SECTION 12.07 Delegation of Duties........................................80 SECTION 12.08 Successor Agent.............................................80 SECTION 12.09 Collateral Matters..........................................80 (A) AUTHORIZATION........................................80 (B) COLLATERAL RELEASES..................................81 ARTICLE XIII MISCELLANEOUS.................................................81 SECTION 13.01 Amendments and Waivers......................................81 SECTION 13.02 Notices.....................................................82 (A) NOTICES..............................................82 (B) FACSIMILE AND TELEPHONIC NOTICE......................83 (C) ELECTRONIC MAIL......................................83 SECTION 13.03 No Waiver; Cumulative Remedies..............................83 SECTION 13.04 Costs and Expenses; Indemnification.........................83 (A) COSTS AND EXPENSES...................................83 (B) INDEMNIFICATION......................................84 (C) OTHER CHARGES........................................84 SECTION 13.05 Right of Set-Off............................................85 SECTION 13.06 Survival....................................................85 SECTION 13.07 Obligations Several.........................................85 SECTION 13.08 Benefits of Agreement.......................................85 SECTION 13.09 Binding Effect; Assignment..................................86 (A) BINDING EFFECT.......................................86 (B) ASSIGNMENT...........................................86 SECTION 13.10 Governing Law...............................................87 SECTION 13.11 Submission to Jurisdiction..................................87 (A) NO LIMITATION........................................88 vi. PAGE SECTION 13.12 Waiver of Jury Trial........................................88 SECTION 13.13 Limitation on Liability.....................................88 SECTION 13.14 Confidentiality.............................................88 SECTION 13.15 Entire Agreement............................................89 SECTION 13.16 Payments Set Aside..........................................89 SECTION 13.17 Severability................................................90 SECTION 13.18 Counterparts................................................90 vii. ANNEXES Annex 1 Pricing Grid SCHEDULES Schedule 1 Commitments and Pro Rata Shares Schedule 2 Lending Offices; Addresses for Notices Schedule 3 Existing Indebtedness Schedule 4 Existing Liens Schedule 5 Litigation Schedule 6 Subsidiaries Schedule 7 Specified Assets Schedule 8 Description of Hewitt Ranch Property Schedule 9 Affiliate Transactions EXHIBITS Exhibit A Form of Borrowing Base Certificate Exhibit B Form of Compliance Certificate Exhibit C Form of Deed of Trust Exhibit D Form of Environmental Indemnity Exhibit E-1 Form of Guaranty Exhibit E-2 Form of Guaranty of Edna Valley Vineyard Exhibit F Form of Patent and Trademark Security Agreement Exhibit G Form of Revolving Note Exhibit H-1 Form of Security Agreement Exhibit H-2 Form of Security Agreement of Edna Valley Vineyard Exhibit I Form of Swingline Note Exhibit J Form of Term Note Exhibit K Form of Notice of Borrowing Exhibit L-1 Form of Opinion of Counsel to the Borrower and the Guarantor Exhibit L-2 Form of Opinion of Special Washington Counsel to the Collateral Agent Exhibit M Form of Assignment and Acceptance Exhibit N Form of Update Certificate Exhibit O Form of Intercreditor and Collateral Agency Agreement viii. CREDIT AGREEMENT THIS CREDIT AGREEMENT (this "Agreement"), dated as of April 19 2002, is made among The Chalone Wine Group, Ltd., a California corporation (the "Borrower"), the financial institutions listed on the signature pages of this Agreement under the heading "LENDERS" (each a "Lender" and, collectively, the "Lenders"), Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch ("Rabobank") as letter of credit issuing bank (in such capacity, the "Issuing Lender"), as swingline lender (in such capacity, the "Swingline Lender") and as administrative agent for the Lenders hereunder (in such capacity, the "Agent"). The Borrower has requested that the Lenders, and the Lenders have agreed to, make certain credit facilities (including a letter of credit subfacility) available to the Borrower, upon the terms and subject to the conditions set forth in this Agreement. Accordingly, the parties hereto agree as follows: ARTICLE I DEFINITIONS SECTION 1.01 CERTAIN DEFINED TERMS. As used in this Agreement (including in the recitals hereof), the following terms shall have the following meanings: "ACQUISITION" means any transaction or series of related transactions for the purpose of, or resulting, directly or indirectly, in (a) the acquisition of all or substantially all of the assets of a Person, or any line or segment of business or division of a Person, (b) the acquisition of in excess of 50% of the capital stock, partnership interests, membership interests or equity of any Person, or otherwise causing any Person to become a Subsidiary, or (c) a merger or consolidation or any other combination with another Person (other than a Person that is a Subsidiary) provided that (i) the Borrower or a Subsidiary is the surviving entity or (ii) after giving effect to such merger or consolidation, such other Person has become a Subsidiary of the Borrower. "AFFECTED LENDER" has the meaning set forth in Section 6.07. "AFFILIATE" means any Person which, directly or indirectly, controls, is controlled by or is under common control with another Person. For purposes of the foregoing, "control," "controlled by" and "under common control with" with respect to any Person shall mean the possession, directly or indirectly, of the power (i) to vote 10% or more of the securities having ordinary voting power of the election of directors of such Person, or (ii) to direct or cause the direction of the management and policies of such Person, whether through the ownership of voting securities or by contract or otherwise. "AGENT" has the meaning set forth in the introduction to this Agreement. 1. "AGENT/IB-RELATED PERSONS" means Rabobank as Agent, Swingline Lender and Issuing Lender, any successor Agent arising under Section 12.08, together with their respective Affiliates, and the officers, directors, employees, agents and attorneys-in-fact of such Persons and Affiliates. "AGENT'S ACCOUNT" means the account of the Agent set forth on Schedule 2 or such other account as the Agent from time to time shall designate in a written notice to the Borrower and the Lenders. "APPLICABLE FEE AMOUNT" means with respect to the commitment fee and letter of credit fee payable hereunder, the amount set forth opposite the indicated Level below the heading "Commitment Fee" and "Letter of Credit Fee," respectively, in the pricing grid set forth on Annex I in accordance with the parameters for calculations of such amount also set forth on Annex I. "APPLICABLE MARGIN" means (i) with respect to Base Rate Loans, the amount set forth opposite the indicated Level below the heading "Revolving Loan Base Rate Spread" or "Term Loan Base Rate Spread", as applicable, in the pricing grid set forth on Annex I in accordance with the parameters for calculations of such amounts also set forth on Annex I, and (ii) with respect to Eurodollar Rate Loans, the amount set forth opposite the indicated Level below the heading "Revolving Loan Eurodollar Rate Spread" or "Term Loan Eurodollar Rate Spread", as applicable, in the pricing grid set forth on Annex I in accordance with the parameters for calculations of such amounts also set forth on Annex I. "ASSIGNMENT AND ACCEPTANCE" has the meaning set forth in Section 12.02(a). "ATTRIBUTABLE INDEBTEDNESS" means, on any date, (a) in respect of any Capital Lease of any Person, the capitalized amount thereof that would appear on a balance sheet of such Person prepared as of such date in accordance with GAAP, and (b) in respect of any Synthetic Lease Obligation, the capitalized amount of the remaining lease payments under the relevant lease that would appear on a balance sheet of such Person prepared as of such date in accordance with GAAP if such lease were accounted for as a Capital Lease. "BANKRUPTCY CODE" means Title 11 of the United States Code entitled "Bankruptcy." "BASE RATE" means for any day the higher of: (a) 0.50% per annum above the latest Federal Funds Rate; and (b) the rate of interest in effect for such day as publicly announced from time to time by Rabobank as its reference rate. (The reference rate is a rate set by Rabobank based upon various factors including Rabobank's costs and desired return, general economic conditions and other factors, and is used as a reference point for pricing some loans, which may be priced at, above, or below such announced rate.) Any change in the reference rate announced by Rabobank shall take effect at the opening of business on the day specified in the public announcement of such change. Each change in the interest rate on the Loans or other Obligations bearing interest at the Base Rate based on a change in the Base Rate shall be effective as of the effective date of such change in the Base Rate. 2. "BASE RATE LOAN" means a Revolving Loan, a Term Loan or an L/C Advance bearing interest based on the Base Rate. "BORROWER" has the meaning set forth in the introduction to this Agreement. "BORROWER'S ACCOUNT" means the account of the Borrower set forth on Schedule 2, or such other account as the Borrower from time to time shall designate in a written notice to the Agent. "BORROWING" means a borrowing consisting of a Revolving Loan, a Swingline Loan or a Term Loan, or of simultaneous Revolving Loans, Swingline Loans or Term Loans, as the case may be, made at any one time by the Borrower from the Lenders pursuant to Article II or III. "BORROWING BASE" means, in respect of the Borrower at any time, the aggregate sum of (i) in the case of Eligible Inventory consisting of bulk wine to be sold in the bulk wine market, 60% of (A) fair market value (as reported in the most recently published quarterly Turrentine Collateral Value Report or, if not available, an equivalent compilation selected in the Agent's reasonable discretion) MINUS (B) Grower Payables, if any, incurred in connection with such bulk wine, PLUS (ii) in the case of Eligible Inventory consisting of other bulk wine, 70% of (A) book value at the date of determination MINUS (B) Grower Payables, if any, incurred in connection with such bulk wine, PLUS (iii) in the case of Eligible Inventory consisting of cased wine or separately bottled wine, 65% of the posted F.O.B. selling price at the date of determination for the immediately preceding calendar month, PLUS (iv) in the case of Eligible Inventory consisting of Wine Bottling Inventory, 60% of book value at the date of determination (in the case of each of the preceding clauses (i), (ii), (iii) and (iv), net of depletion allowances), PLUS (v) 85% of Eligible Receivables at such time. "BORROWING BASE CERTIFICATE" means a certificate of a Responsible Officer of the Borrower, in substantially the form of Exhibit A, with such changes thereto as the Agent or any Lender may from time to time reasonably request. "BUSINESS DAY" means a day other than a Saturday, a Sunday, or a day on which commercial banks in New York City, New York, are authorized to close and, if the applicable day relates to any Eurodollar Rate Loan, means a Eurodollar Business Day. "CANOE RIDGE INTERCOMPANY LOAN AMOUNT" means the sum of (i) $7,000,000 PLUS (ii) on each anniversary of the Closing Date, 10% of the Canoe Ridge Intercompany Loan Amount in effect immediately prior to such anniversary. "CAPITAL LEASE" means, for any Person, any lease of property (whether real, personal or mixed) which, in accordance with GAAP, would, at the time a determination is made, be required to be recorded as a capital lease in respect of which such Person is liable as lessee. "CHANGE OF CONTROL" means (a) any "person" (as such term is used in subsections 13(d) and 14(d) of the Exchange Act) or group of persons on or after the Closing Date other than members of the Board of Directors of the Borrower and their "affiliates" (as such term is used in 3. Rule 405 of the Securities Act of 1933), is or becomes the "beneficial owner" (as defined in Rule 13d-3 under said Act), directly or indirectly, of securities of the Company representing 51% or more of the combined voting power of the Borrower's then-outstanding voting securities, or (b) the existing directors for any reason cease to constitute a majority of the Borrower's board of directors. "Existing directors" means (x) individuals constituting the Borrower's board of directors on the Closing Date, and (y) any subsequent director whose election by the board of directors or nomination for election by the Borrower's shareholders was approved by a vote of at least a majority of the directors then in office, which directors either were directors on the Closing Date or whose election or nomination for election was previously so approved. "CLOSING DATE" means the date on which all conditions precedent set forth in Section 8.01, and in Section 8.02 with respect to any Credit Extensions to be made on the Closing Date, are satisfied or waived by all the Lenders (or, in the case of Section 8.01(a), waived by the Person entitled to receive such payment). "COLLATERAL" means the property described in the Collateral Documents, and all other property now existing or hereafter acquired which may at any time be or become subject to a Lien in favor of the Collateral Agent, the Agent or the Lenders pursuant to the Collateral Documents or otherwise, securing the payment and performance of the Obligations. "COLLATERAL AGENT" means Rabobank in its capacity as collateral agent for the Lenders and the holders of the Senior Secured Notes pursuant to the Intercreditor and Collateral Agency Agreement, and any successor collateral agent thereunder. "COLLATERAL DOCUMENTS" means the Deeds of Trust, the Security Agreement, the Patent and Trademark Security Agreement, any other agreement pursuant to which the Borrower, the Guarantors or any other Person provides a Lien on its assets in favor of the Lenders, or in favor of the Collateral Agent or the Agent for the benefit of the Lenders, or in favor of the Collateral Agent for the benefit of the Agent, the Lenders and the Senior Noteholders, and all financing statements, fixture filings, patent, trademark and copyright filings, assignments, acknowledgments and other filings, documents and agreements made or delivered pursuant thereto. "COMMITMENT" means, for each Lender, the sum of its Term Commitment and its Revolving Commitment. "COMPLIANCE CERTIFICATE" means a certificate of a Responsible Officer of the Borrower, in substantially the form of Exhibit B, with such changes thereto as the Agent or any Lender may from time to time reasonably request. "CONSOLIDATED EBIT" means, for any period, Consolidated Net Income (computed without giving effect to any gains or losses from dispositions of assets and other extraordinary items) PLUS Consolidated Interest Expense PLUS income tax expense, in each case, which were deducted in determining Consolidated Net Income of the Borrower and its Subsidiaries on a consolidated basis as determined in accordance with GAAP. "CONSOLIDATED EBITDA" means, for any period, Consolidated Net Income (computed without giving effect to any gains or losses from dispositions of assets and other 4. extraordinary items) PLUS Consolidated Interest Expense PLUS income tax expense PLUS depreciation expense, amortization expense and other non-cash expenses, in each case, which were deducted in determining Consolidated Net Income of the Borrower and its Subsidiaries on a consolidated basis as determined in accordance with GAAP. "CONSOLIDATED INDEBTEDNESS" means, as of any date of determination, (a) the total Indebtedness of the Borrower and its Subsidiaries on a consolidated basis MINUS (b) accounts payable to trade creditors for goods and services and current operating liabilities (not the result of the borrowing of money) incurred in the ordinary course of the Borrower's or the Subsidiaries' business in accordance with customary terms and paid within the specified time (unless contested in good faith by appropriate proceedings and reserved for in accordance with GAAP) MINUS (c) until such time as the Indebtedness owing as of the date hereof by the Borrower to the estate of Richard Graff is repaid in full, Indebtedness owing by the Borrower to the estate of Richard Graff in a principal amount not to exceed $1,000,000. "CONSOLIDATED INTEREST EXPENSE" means, for any period, interest expense (including that attributable to Capital Leases) of the Borrower and its Subsidiaries on a consolidated basis, including all commissions, discounts and other fees and charges owed with respect to standby letters of credit, as determined in accordance with GAAP. "CONSOLIDATED NET INCOME" means, for any period, the net income of the Borrower and its Subsidiaries on a consolidated basis for such period taken as a single accounting period, as determined in accordance with GAAP. "CONSOLIDATED RENT EXPENSE" means, for any period, operating lease expense of the Borrower and its Subsidiaries on a consolidated basis, as determined in accordance with GAAP. "CONSOLIDATED TANGIBLE NET WORTH" means, as of any date of determination, Consolidated Total Assets PLUS Subordinated Debt MINUS Consolidated Total Liabilities; PROVIDED, HOWEVER, that there shall be excluded from Consolidated Total Assets all assets which would be classified as intangible assets in accordance with GAAP, including goodwill, organizational expense, research and development expense, patent applications, patents, trademarks, trade names, brands, copyrights, trade secrets, customer lists, licenses, franchises and covenants not to compete. "CONSOLIDATED TOTAL ASSETS" means, as of any date of determination, the total assets of the Borrower and its Subsidiaries on a consolidated basis, as determined in accordance with GAAP. "CONSOLIDATED TOTAL LIABILITIES" means, as of any date of determination, the total liabilities of the Borrower and its Subsidiaries on a consolidated basis, as determined in accordance with GAAP. "CREDIT EXTENSION" means each of (a) the making of any Term Loans, Revolving Loans or Swingline Loans hereunder; (b) the continuation of any Eurodollar Rate Loan or conversion of any Loan pursuant to Section 4.05; (c) the issuance of any Letters of Credit hereunder; and (d) the amendment or renewal of any Letters of Credit hereunder. 5. "DEEDS OF TRUST" means each deed of trust or mortgage entered into by the Borrower, any Guarantor or any other Person, as trustor or mortgagor, for the benefit of the Collateral Agent or the Agent, as beneficiary or mortgagee on behalf of the Lenders and the Senior Noteholders, in substantially the form of Exhibit C. "DEFAULT" means an Event of Default or an event or condition which with notice or lapse of time or both would constitute an Event of Default. "DOLLARS" and the sign "$" each means lawful money of the United States. "EDNA VALLEY INTERCOMPANY LOAN AMOUNT" means the sum of (i) $20,000,000 PLUS (ii) on each anniversary of the Closing Date, 10% of the Edna Valley Intercompany Loan Amount in effect immediately prior to such anniversary. "EFFECTIVE AMOUNT" means (i) with respect to any Revolving Loans, Swingline Loans and Term Loans on any date, the aggregate outstanding principal amount thereof after giving effect to any Borrowings and prepayments or repayments of Term Loans, Revolving Loans and Swingline Loans, as the case may be, occurring on such date; and (ii) with respect to any outstanding L/C Obligations on any date, the amount of such L/C Obligations on such date after giving effect to any issuances of Letters of Credit occurring on such date and any other changes in the aggregate amount of the L/C Obligations as of such date, including as a result of any reimbursements of outstanding unpaid drawings under any Letters of Credit or any reductions in the maximum amount available for drawing under Letters of Credit taking effect on such date; PROVIDED that for purposes of subsection 5.03(b), the Effective Amount shall be determined without giving effect to any mandatory prepayments to be made under subsection 5.03(b). "ELIGIBLE ASSIGNEE" means (i) a commercial bank organized under the laws of the United States, or any state thereof, and having a combined capital and surplus of at least $100,000,000; (ii) a commercial bank organized under the laws of any other country which is a member of the OECD, or a political subdivision of any such country, and having a combined capital and surplus of at least $100,000,000, PROVIDED that such bank is acting through a branch or agency located in the United States and licensed by the United States or any state thereof; (iii) a Person that is primarily engaged in the business of commercial banking and that is (A) a Subsidiary of a Lender, (B) a Subsidiary of a Person of which a Lender is a Subsidiary, or (C) a Person of which a Lender is a Subsidiary, or (iv) any other Person (other than an individual) which is an "accredited investor" (as defined in Regulation D under the Securities Exchange Act of 1934) which extends credit or buys loans as one of its businesses, including insurance companies, mutual funds and lease financing companies. "ELIGIBLE INVENTORY" means, in respect of the Borrower at any time, the aggregate amount of the Borrower's and each Subsidiary Guarantor's Inventory consisting of bulk wine, cased wine, separately bottled wine, Wine Bottling Inventory, which is of marketable quality and held for sale or use in the ordinary and usual course of business, net of applicable allowances and reserves (including allowances or reserves for shrinkage or obsolescence), excluding the following: 6. (i) Inventory (other than bulk wine and Wine Bottling Inventory) consisting of raw materials, supplies or work in process; (ii) Inventory which is not owned by the Borrower or a Subsidiary Guarantor free and clear of all Liens and rights of others (other than the Liens in favor of the Agent on behalf of the Lenders, Growers' Liens or Production Liens); (iii) Inventory in which the Agent on behalf of the Lenders shall not have a valid and perfected first priority Lien, other than Growers' Liens or Production Liens; (iv) Inventory which is located in any location other than California, Washington, the locations listed on Schedule 1 to the Security Agreement, or any other locations agreed to in writing after the Closing Date by the Agent; (v) Inventory which is not in the direct possession of the Borrower or a Subsidiary Guarantor at one of the locations set forth in Part 1 of Schedule 1 to the Security Agreement or at a location set forth in a notice from the Borrower to the Agent pursuant to Section 5(e) of the Security Agreement; (vi) Inventory on lease or consignment or subject to warehousing arrangements, except for Inventory subject to warehousing arrangements (1) in form and substance acceptable to the Agent and approved in writing by the Agent and (2) which contain, or as to which the Agent has received, a subordination and/or waiver by the warehouseman in form and substance satisfactory to the Agent; (vii) Inventory which is used or intended to be used in research and development; (viii) Inventory which is obsolete, unmerchantable, spoiled, damaged or unfit for sale or further processing; (ix) Inventory which is packaging, shipping, or advertising materials (other than the Wine Bottling Inventory); and (x) Inventory which is, in the exercise of the Agent's reasonable credit judgment, exercised in good faith, unacceptable due to age, type, category or quantity or is otherwise ineligible. Any Inventory which is at any time Eligible Inventory, but which subsequently fails to meet any of the foregoing requirements, shall forthwith cease to be Eligible Inventory until such time as such Inventory shall meet all of the foregoing requirements. "ELIGIBLE RECEIVABLE DEBTOR" means, for purposes of clause (xi) of the definition of "Eligible Receivables," a Receivable Debtor for which the Borrower has provided or caused to be provided to the Agent financial statements of such Receivable Debtor which are satisfactory in form and substance to the Agent and the Majority Lenders and who the Agent and the Majority Lenders deem creditworthy in their reasonable credit judgment. 7. "ELIGIBLE RECEIVABLES" means, in respect of the Borrower at any time, the aggregate amount of the Borrower's and each Subsidiary Guarantor's Receivables, payable in cash in Dollars, net of applicable allowances, reserves, discounts, returns, credits or offsets (including allowances or reserves for doubtful accounts), excluding the following: (i) Receivables for which the Borrower's or a Subsidiary Guarantor's right to receive payment has not been fully earned by performance or is contingent upon the fulfillment of any condition whatsoever or which otherwise do not arise from a bona fide completed transaction; (ii) Receivables against which there are asserted any defenses, counterclaims, discounts (other than normal trade discounts) or offsets of any nature, whether well-founded or otherwise (but only to the extent of such asserted defenses, counterclaims, discounts or offsets) to the extent not already deducted as an allowance for doubtful accounts; (iii) Receivables that do not comply in all material respects with all applicable legal requirements, including all laws, rules, regulations and orders of any Governmental Authority; (iv) Receivables which represent a prepayment or progress payment or arising out of the placement of goods on consignment, guaranteed sale or other arrangement by reason of which the payment by the Receivable Debtor may be conditional or contingent; (v) Receivables which are not owned by the Borrower or a Subsidiary Guarantor free and clear of all Liens and rights of others (other than the Liens in favor of the Collateral Agent or the Agent on behalf of Lenders, Growers' Liens or Production Liens); (vi) Receivables in which the Collateral Agent or the Agent, on behalf of the Lenders, shall not have a valid and perfected first-priority Lien (other than Growers' Liens or Production Liens); (vii) Receivables owing (A) by the United States or any department, agency or instrumentality thereof or (B) by a State or any department, agency, instrumentality or political subdivision thereof (other than State owned stores or other equivalent alcohol beverage control Receivable Debtors to the extent that there are no statutory, regulatory or other governmental restrictions on the grant of security interests in Receivables due from such Receivable Debtors), unless, in the case of Receivables described in sub-clause (A), the Agent has agreed to the contrary in writing and the Borrower has complied with the Federal Assignment of Claims Act with respect to such Receivables; (viii)Receivables owing by any Receivable Debtor who is not a resident of or located in the United States or the Dominion of Canada; (ix) Receivables not paid in full within 90 days from the date of invoice (to the extent not already deducted as an allowance for doubtful accounts; 8. (x) Receivables owing by any Receivable Debtor who has failed to make full payment within 90 days from the date of invoice on more than 20% of the aggregate amount of Receivables owing to the Borrower and the Subsidiary Guarantors by such Receivable Debtor; (xi) that portion of Receivables owing by any single Receivable Debtor (other than an Eligible Receivable Debtor) which exceeds 20% of the aggregate amount of Eligible Receivables owing to the Borrower and the Subsidiary Guarantors by all Receivable Debtors (to the extent not already deducted as an allowance for doubtful accounts); (xii) Receivables which constitute the proceeds of Inventory which Inventory is at the same time included in the Borrowing Base; (xiii)Receivables owing by any Receivable Debtor who is the subject of an Insolvency Proceeding; (xiv) Receivables owing by any Affiliate of the Borrower or of a Subsidiary Guarantor; and (xv) Receivables with respect to which the Agent, in its reasonable discretion, deems the creditworthiness or financial condition of the Receivable Debtor to be unsatisfactory or the prospect of payment or performance to be impaired, and other Receivables which, in the exercise of the Agent's good faith reasonable credit judgment, are otherwise ineligible. Any Receivable which is at any time an Eligible Receivable, but which subsequently fails to meet any of the foregoing eligibility requirements, shall forthwith cease to be an Eligible Receivable until such time as such Receivable shall meet all of the foregoing requirements. "ENVIRONMENTAL INDEMNITY" means the Environmental Indemnity of the Borrower and the Subsidiary Guarantors, in substantially the form of Exhibit D. "ENVIRONMENTAL LAWS" means all federal, state or local laws, statutes, common law duties, rules, regulations, ordinances and codes, together with all administrative orders, directives, requests, licenses, authorizations and permits of, and agreements with (including consent decrees), any Governmental Authorities, in each case relating to or imposing liability or standards of conduct concerning public health, safety and environmental protection matters, including the Comprehensive Environmental Response, Compensation and Liability Act of 1980, the Clean Air Act, the Federal Water Pollution Control Act of 1972, the Solid Waste Disposal Act, the Federal Resource Conservation and Recovery Act, the Toxic Substances Control Act, the Emergency Planning and Community Right-to-Know Act, the California Hazardous Waste Control Law, the California Solid Waste Management, Resource Recovery and Recycling Act, the California Water Code and the California Health and Safety Code. "ERISA" means the Employee Retirement Income Security Act of 1974, including (unless the context otherwise requires) any rules or regulations promulgated thereunder. 9. "ERISA AFFILIATE" means any trade or business (whether or not incorporated) which is under common control with the Borrower or any Guarantor within the meaning of Section 4001(a)(14) of ERISA and Sections 414(b), (c) and (m) of the Internal Revenue Code. "EURODOLLAR BUSINESS DAY" means a Business Day on which dealings in Dollar deposits are carried on in the interbank eurodollar market where the eurodollar funding operations of Rabobank are customarily conducted. "EURODOLLAR RATE" means for each Interest Period for each Eurodollar Rate Loan the rate per annum (rounded upward, if necessary, to the nearest 1/100 of 1%) determined by the Agent pursuant to the following formula: Eurodollar Rate = Interbank Rate ------------------------------------ 100% - Eurodollar Reserve Percentage The Eurodollar Rate shall be adjusted automatically as of the effective date of any change in the Eurodollar Reserve Percentage. "EURODOLLAR RATE LOAN" means a Revolving Loan or a Term Loan bearing interest based on the Eurodollar Rate. "EURODOLLAR RESERVE PERCENTAGE" means the maximum reserve requirement percentage (including any ordinary, supplemental, marginal and emergency reserves), if any, as determined by the Agent, then applicable under Regulation D in respect of Eurocurrency funding (currently referred to as "Eurocurrency Liabilities") of a member bank in the Federal Reserve System with deposits exceeding $1,000,000,000. "EVENT OF DEFAULT" has the meaning set forth in Section 11.01. "EVENT OF LOSS" means with respect to any asset of the Borrower or its Subsidiaries any of the following: (i) any loss, destruction or damage of such asset; (ii) any pending or threatened institution of any proceedings for the condemnation or seizure of such asset or of any right of eminent domain; or (iii) any actual condemnation, seizure or taking, by exercise of the power of eminent domain or otherwise, of such asset, or confiscation of such asset or requisition of the use of such asset. "EXISTING CREDIT FACILITY" means the Credit Agreement dated March 31, 1999, between the Borrower and Rabobank, as amended. "FEE LETTER" means that certain letter agreement dated March __, 2002, between the Borrower and Rabobank. "FEDERAL FUNDS RATE" means, for any day, the rate per annum (rounded upward, if necessary, to the nearest 1/100 of 1%), as determined by the Agent, equal to the weighted average of the rates on overnight Federal funds transactions with members of the Federal Reserve System arranged by Federal funds brokers, as published for any day of determination (or if such day of determination is not a Business Day, for the next preceding Business Day) by the Federal Reserve Bank of New York, or, if such rate is not so published for any day which is a 10. Business Day, the average of the quotations for such day on such transactions received by the Agent from three Federal funds brokers of recognized standing selected by it. "FINAL MATURITY DATE" means April 19, 2009. "FOREIGN SUBSIDIARY" means each Subsidiary of the Borrower organized under the laws of any jurisdiction outside of the United States or which is domiciled outside of the United States. "FRB" means the Board of Governors of the Federal Reserve System, and any Governmental Authority succeeding to any of its principal functions. "GAAP" means generally accepted accounting principles in the U.S. as in effect from time to time. "GOVERNMENTAL AUTHORITY" means any federal, state, local or other governmental department, commission, board, bureau, agency, central bank, court, tribunal or other instrumentality or authority, domestic or foreign, exercising executive, legislative, judicial, regulatory or administrative functions of or pertaining to government. "GROWER PAYABLES" means, in respect of the Borrower or any Subsidiary Guarantor, the aggregate amount due from the Borrower or such Subsidiary Guarantor to any other Person on account of any crops, produce, or other farm products supplied by such Person to the Borrower or such Subsidiary Guarantor as to which crops, produce or other farm products such Person has statutory lien rights. "GROWERS' LIENS" means statutory Liens securing the payment of amounts due from the Borrower or any Subsidiary Guarantor to any other Person on account of any crops, produce or other farm products supplied by such Person to the Borrower or such Subsidiary Guarantor, including but not limited to, Liens in favor of growers arising pursuant to Article 9 (commencing with Section 55631), Chapter 6, Division 20 of the California Food and Agricultural Code, as now in effect or hereafter amended. "GUARANTOR" means each Subsidiary Guarantor and each other Person party to a Guaranty in its capacity as a guarantor hereunder. "GUARANTOR DOCUMENTS" means each Guaranty and all other certificates, documents, agreements and instruments delivered to the Agent, the Issuing Lender and the Lenders under or in connection with a Guaranty. "GUARANTY" means the Guaranty of each Guarantor, in substantially the form of Exhibit E-1 (or in substantially the form of Exhibit E-2, in the case of Edna Valley Vineyard), and any other guaranty under any separate agreement executed by any Guarantor pursuant to which it guarantees the Obligations. "GUARANTY OBLIGATION" means, as applied to any Person, any direct or indirect liability, contingent or otherwise, of that Person with respect to any Indebtedness, lease, dividend, letter of credit or other obligation (the "primary obligations") of another Person (the 11. "primary obligor"), including any obligation of that Person (i) to purchase, repurchase or otherwise acquire such primary obligations or any property constituting direct or indirect security therefor, or (ii) to advance or provide funds (A) for the payment or discharge of any such primary obligation, or (B) to maintain working capital or equity capital of the primary obligor or otherwise to maintain the net worth or solvency or any balance sheet item, level of income or financial condition of the primary obligor, or (iii) to purchase property, securities or services primarily for the purpose of assuring the owner of any such primary obligation of the ability of the primary obligor to make payment of such primary obligation, (iv) in connection with any synthetic lease or other similar off balance sheet lease transaction, or (v) otherwise to assure or hold harmless the holder of any such primary obligation against loss in respect thereof. "HAZARDOUS SUBSTANCES" means any toxic or hazardous substances, materials, wastes, contaminants or pollutants, including asbestos, PCBs, petroleum products and byproducts, and any substances defined or listed as "hazardous substances," "hazardous materials," "hazardous wastes" or "toxic substances" (or similarly identified), regulated under or forming the basis for liability under any applicable Environmental Law. "HEWITT APPRAISAL" has the meaning set forth in subsection 2.01(d). "HEWITT RANCH PROPERTY" means the Borrower's real property and improvements located in Rutherford, California, and further described on Schedule 8 hereto. "INDEBTEDNESS" means, for any Person: (i) all indebtedness or other obligations of such Person for borrowed money or for the deferred purchase price of property or services; (ii) all obligations evidenced by notes, bonds, debentures or similar instruments, including obligations so evidenced incurred in connection with the acquisition of property, assets or businesses; (iii) all indebtedness created or arising under any conditional sale or other title retention agreement with respect to property acquired by such Person (even though the rights and remedies of the seller or lender under such agreement in the event of default are limited to repossession or sale of such property); (iv) all obligations under Capital Leases and Synthetic Lease Obligations; (v) all reimbursement or other obligations of such Person under or in respect of letters of credit and bankers acceptances, and all net obligations in respect of Rate Contracts in an amount equal to the Swap Termination Values thereof; (vi) all reimbursement or other obligations of such Person in respect of any bank guaranties, shipside bonds, surety bonds and similar instruments issued for the account of such Person or as to which such Person is otherwise liable for reimbursement of drawings or payments; (vii) all Guaranty Obligations; and (viii) all indebtedness of another Person secured by any Lien upon or in property owned by the Person for whom Indebtedness is being determined, whether or not such Person has assumed or become liable for the payment of such indebtedness of such other Person. For all purposes hereof, the Indebtedness of any Person shall include the Indebtedness of any partnership or joint venture (other than a joint venture that is itself a corporation or limited liability company) in which such Person is a general partner or a joint venturer, unless such Indebtedness is expressly made non-recourse to such Person (subject only to customary recourse exceptions acceptable to the Agent in its reasonable discretion). The amount of any Capital Lease or Synthetic Lease Obligation as of any date shall be deemed to be the amount of Attributable Indebtedness in respect thereof as of such date. 12. "INSOLVENCY PROCEEDING" means, with respect to any Person, (i) any case, action or proceeding before any court or other Governmental Authority relating to the bankruptcy, reorganization, insolvency, liquidation, receivership, dissolution, winding-up or relief from debt of such Person, or (ii) any general assignment by such Person for the benefit of creditors, composition, marshalling of assets for creditors, or other, similar arrangement in respect of its creditors generally or any substantial portion of its creditors, in each case undertaken under U.S. Federal, state or foreign law, including the Bankruptcy Code. "INTERBANK RATE" means the rate per annum determined by the Agent to be the average (rounded upward, if necessary, to the nearest 1/16 of 1%) of the rates at which deposits in Dollars are offered to Rabobank by prime banks in the interbank eurodollar market where the eurodollar funding operations of Rabobank are customarily conducted, at approximately 11:00 (London time), two Eurodollar Business Days before the first day of such Interest Period, in an amount substantially equal to the proposed Eurodollar Rate Loan to be made, continued or converted by Rabobank and for a period of time comparable to such Interest Period. "INTERCREDITOR AND COLLATERAL AGENCY AGREEMENT" means the Intercreditor and Collateral Agency Agreement among the Lenders, the holders of the Senior Secured Notes, the Collateral Agent and the other parties thereto, in substantially the form of Exhibit O. "INTEREST PAYMENT DATE" means a date specified for the payment of interest pursuant to Section 4.01(c). "INTEREST PERIOD" means, with respect to any Eurodollar Rate Loan, the period determined in accordance with Section 4.01(b) applicable thereto. "INTERNAL REVENUE CODE" means the Internal Revenue Code of 1986, including (unless the context otherwise requires) any rules or regulations promulgated thereunder. "INVENTORY" means all "inventory" (as such term is defined in the UCC). For purposes of this Agreement, bulk wine shall be deemed Inventory regardless of whether bulk wine is properly classified as "inventory" under the UCC. "IRS" means the Internal Revenue Service, or any successor thereto. "ISSUING LENDER" has the meaning set forth in the introduction to this Agreement. "L/C ADVANCE" means each Lender's participation in any L/C Unreimbursed Draw in accordance with its Pro Rata Share. "L/C AMENDMENT APPLICATION" means (i) an application form for amendments of outstanding standby letters of credit as shall at any time be in use at the Issuing Lender, as the Issuing Lender shall request and as shall be satisfactory to the Agent. "L/C APPLICATION" means such application form for issuances of standby letters of credit as shall at any time be in use at the Issuing Lender, as the Issuing Lender shall request and as shall be satisfactory to the Agent. 13. "L/C COMMITMENT" has the meaning specified in subsection 3.01(a). "L/C OBLIGATIONS" means at any time the sum of (a) the aggregate undrawn amount of all Letters of Credit, PLUS (b) the amount of all unreimbursed drawings under all Letters of Credit, including all L/C Unreimbursed Draws. "L/C-RELATED DOCUMENTS" means the Letters of Credit, the L/C Applications, the L/C Amendment Applications and any other document, agreement and instrument relating to any Letter of Credit, including any of the Issuing Lender's standard form documents for letter of credit issuances. "L/C UNREIMBURSED DRAW" means an extension of credit resulting from a drawing under any Letter of Credit which shall not have been reimbursed on the date when made nor converted into a Borrowing of Revolving Loans under Section 2.01(a). "LENDERS" has the meaning specified in the introductory clause hereto. References to the Lenders shall include references to Rabobank in its capacity as the Issuing Lender and the Swingline Lender; for purposes of clarification only, to the extent that Rabobank may have any rights or obligations in addition to those of the Lenders due to its status as the Issuing Lender or the Swingline Lender, its status as such will be specifically referenced. Unless the context otherwise clearly requires, the Lenders shall include any such Person in its capacity as Swap Provider. Unless the context otherwise clearly requires, references to any such Person as a Lender shall also include any of such Person's Affiliates that may at any time of determination be Swap Providers. "LENDING OFFICE" has the meaning set forth in Section 2.04. "LETTERS OF CREDIT" means any standby letter of credit issued by the Issuing Lender pursuant to Article III. "LEVERAGE RATIO" has the meaning specified in subsection 10.02(a). "LIEN" means any mortgage, deed of trust, pledge, security interest, assignment, deposit arrangement, charge or encumbrance, lien (statutory or other), or other preferential arrangement (including any conditional sale or other title retention agreement, any financing lease having substantially the same economic effect as any of the foregoing or any agreement to give any security interest). "LOAN" means an extension of credit, in the form of a Term Loan, Revolving Loan, Swingline Loan or L/C Advance, by a Lender to the Borrower pursuant to Article II or III. "LOAN DOCUMENTS" means this Agreement, the Notes, the Collateral Documents, the Intercreditor and Collateral Agency Agreement, the Fee Letter, each Guaranty, the Guarantor Documents, the Environmental Indemnity, any documents evidencing or relating to Specified Swap Contracts and all other certificates, documents, agreements and instruments delivered to the Agent, the Issuing Lender and the Lenders under or in connection with this Agreement, and all L/C-Related Documents. 14. "MAJORITY LENDERS" means as at any time of determination Lenders then holding in excess of 60% of the then aggregate sum of (i) the unused Commitments at such time (for so long as the Commitments are in effect) PLUS (ii) the unpaid principal amount of the Loans and participations in the L/C Obligations and Swingline Loans at such time; PROVIDED, however , that if any Lender has failed to fund any portion of the Loans or participations in the L/C Obligations or the Swingline Loans required to be funded by it hereunder, then such Lender's unused Commitments, Loans and participations shall be excluded from the calculation of the "Majority Lenders". "MATERIAL ADVERSE EFFECT" means any event, matter, condition or circumstance which (i) has or would reasonably be expected to have a material adverse effect on the business, properties, results of operations or condition (financial or otherwise) of the Borrower and its Subsidiaries taken as a whole; (ii) would materially impair the ability of the Borrower, or any other Person to perform or observe its obligations under or in respect of the Loan Documents, or (iii) affects the legality, validity, binding effect or enforceability of any of the Loan Documents or the perfection or priority of any Lien granted to the Lenders, or the Collateral Agent or the Agent for the benefit of the Lenders, under any of the Collateral Documents. "MAXIMUM INTERCOMPANY LOAN AMOUNT" means the sum of (i) $35,000,000 PLUS (ii) on each anniversary of the Closing Date, 10% of the Maximum Intercompany Loan Amount in effect immediately prior to such anniversary. "MINIMUM AMOUNT" has the meaning set forth in Section 2.06. "MULTIEMPLOYER PLAN" means a "multiemployer plan" as defined in Sections 3(37) and 4001(a)(3) of ERISA. "NET ISSUANCE PROCEEDS" means, as to any issuance or other incurrence of debt or any issuance of equity by any Person, cash proceeds received or receivable by such Person in connection therewith, net of out-of-pocket costs and expenses paid or incurred in connection therewith in favor of any Person not an Affiliate of such Person. "NET PROCEEDS" means, as to any sale, transfer or other disposition of assets ("Disposition") by a Person, proceeds in cash, checks or other cash equivalent financial instruments as and when received by such Person, net of: (a) the direct costs relating to such Disposition excluding amounts payable to such Person or any Affiliate of such Person, (b) sale, use or other transaction taxes, and income taxes, paid or reasonably expected to be payable by such Person as a direct result thereof, and (c) amounts required to be applied to repay principal, interest and prepayment premiums and penalties on Indebtedness secured by a Lien on the asset which is the subject of such Disposition. "NET PROCEEDS" shall also include proceeds paid on account of any Event of Loss, net of (i) all money actually applied or set aside within six months after the receipt of such proceeds to repair, replace or reconstruct the damaged property or property affected by the condemnation or taking, (ii) all of the costs and expenses reasonably incurred in connection with the collection of such proceeds, award or other payments, and (iii) any amounts retained by or paid to parties having superior rights to such proceeds, awards or other payments. 15. "NOTES" means the Revolving Notes, the Swingline Note and the Term Notes. "NOTICE" means a Notice of Borrowing, a Notice of Conversion or Continuation or a Notice of Prepayment. "NOTICE OF BORROWING" has the meaning set forth in Section 2.02(a). "NOTICE OF CONVERSION OR CONTINUATION" has the meaning set forth in Section 4.05(c). "NOTICE OF PREPAYMENT" has the meaning set forth in Section 5.03(d). "OBLIGATIONS" means the indebtedness, liabilities and other obligations of the Borrower and the Guarantors to the Collateral Agent, the Agent or any Lender under or in connection with the Loan Documents, including all Loans, all interest accrued thereon, all fees due under this Agreement and all other amounts payable by the Borrower to the Collateral Agent, the Agent or any Lender thereunder or in connection therewith, whether now or hereafter existing or arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "OECD" means the Organization for Economic Cooperation and Development. "OPERATING LEASE" means, for any Person, any lease of any property of any kind by that Person as lessee which is not a Capital Lease. "ORGANIZATION DOCUMENTS" means, (a) with respect to any corporation, the certificate or articles of incorporation and the bylaws (or equivalent or comparable constitutional documents with respect to any non-U.S. jurisdiction); (b) with respect to any limited liability company, the articles of formation and operating agreement; and (c) with respect to any partnership, joint venture, trust or other form of business entity, the partnership, joint venture or other applicable agreement of formation and any agreement, instrument, filing or notice with respect thereto filed in connection with its formation with the applicable Governmental Authority in the jurisdiction of its formation, in each case as amended from time to time. "PARTICIPATION DATE" has the meaning set forth in Section 3.03(c). "PATENT AND TRADEMARK SECURITY AGREEMENT" means each Patent and Trademark Security Agreement between the Borrower or a Subsidiary Guarantor and the Collateral Agent, in substantially the form of Exhibit F. "PBGC" means the Pension Benefit Guaranty Corporation, or any successor thereto. "PENSION PLAN" means any employee pension benefit plan covered by Title IV of ERISA (other than a Multiemployer Plan) that is maintained for employees of the Borrower, any Guarantor or any ERISA Affiliate or with regard to which the Borrower, any Guarantor or an ERISA Affiliate is a contributing sponsor within the meaning of Sections 4001(a)(13) or 4069 of ERISA. 16. "PERMITTED INVESTMENTS" means any of the following Dollar denominated investments, maturing within one year from the date of acquisition, selected by the Borrower: (i) marketable direct obligations issued or unconditionally guaranteed by the United States government or issued by any agency thereof and backed by the full faith and credit of the United States; (ii) marketable direct obligations issued by any state of the United States or any political subdivision of any such state or any public instrumentality thereof and, at the time of acquisition, having the highest credit rating obtainable from either S&P or Moody's; (iii) commercial paper or corporate promissory notes bearing at the time of acquisition the highest credit rating either of S&P or Moody's issued by United States, Australian, Canadian, European or Japanese bank holding companies or industrial or financial companies (other than an Affiliate of the Borrower or any Guarantor); (iv) certificates of deposit issued by and bankers acceptances of and interest bearing deposits with any Lender, or with any United States, Australian, Canadian, European or Japanese commercial banks having capital and surplus of at least $500,000,000 or the equivalent and which issues (or the parent of which issues) commercial paper or other short term securities bearing the highest credit rating obtainable from either S&P or Moody's; and (v) money market funds organized under the laws of the United States or any state thereof that invest solely in any of the foregoing investments permitted under clauses (i), (ii), (iii) and (iv). "PERMITTED LIENS" means: (i) Liens in favor of the Lenders,or the Collateral Agent or the Agent for the benefit of the Lenders, to secure the Obligations; (ii) the existing Liens listed in Schedule 4 or incurred in connection with the extension, renewal or refinancing of the Indebtedness secured by such existing Liens, PROVIDED that any extension, renewal or replacement Lien shall be limited to the property encumbered by the existing Lien and the principal amount of the Indebtedness being extended, renewed or refinanced does not increase; (iii) Liens for taxes, fees, assessments or other governmental charges or levies, either not delinquent or being contested in good faith by appropriate proceedings and which are adequately reserved for in accordance with GAAP; (iv) Liens of materialmen, mechanics, warehousemen, artisans, carriers or employees or other like Liens (including Growers' Liens and Production Liens) arising in the ordinary course of business and securing obligations either not delinquent or being contested in good faith by appropriate proceedings which are adequately reserved for in accordance with GAAP; 17. (v) Liens consisting of deposits or pledges to secure the payment of worker's compensation, unemployment insurance or other social security benefits or obligations, or to secure the performance of bids, trade contracts, leases (other than Capital Leases), public or statutory obligations, surety or appeal bonds or other obligations of a like nature incurred in the ordinary course of business (other than for Indebtedness or any Liens arising under ERISA); (vi) easements, rights of way, servitudes or zoning or building restrictions and other minor encumbrances on real property and irregularities in the title to such property which do not in the aggregate materially impair the use or value of such property or risk the loss or forfeiture of title thereto; (vii) statutory landlord's Liens under leases to which the Borrower or any of its Subsidiaries is a party; (viii) Liens arising solely by virtue of any statutory or common law provision relating to banker's liens, rights of set-off or similar rights and remedies as to deposit accounts or other funds maintained with a creditor depository institution; PROVIDED that (i) such deposit account is not a dedicated cash collateral account and is not subject to restrictions against access by the Borrower in excess of those set forth by regulations promulgated by the FRB, and (ii) such deposit account is not intended by the Borrower or any Subsidiary to provide collateral to the depository institution; (ix) Liens securing Indebtedness incurred by the Borrower or any Subsidiary which is permitted under Section 10.04(a)(x); provided that (i) such Liens do not at any time encumber any property other than the property financed by such Indebtedness and (ii) the Indebtedness secured thereby does not exceed the cost or fair market value, whichever is lower, of the property being acquired on the date of acquisition; (x) Liens on specific tangible assets of Persons which become Subsidiaries after the date of this Agreement; PROVIDED, HOWEVER, that (A) such Liens existed at the time the respective Persons became Subsidiaries and were not created in anticipation thereof, (B) any such Lien does not by its terms cover any assets after the time such Person becomes a Subsidiary which were not covered immediately prior thereto, (C) any such Lien does not by its terms secure any Indebtedness other than Indebtedness existing immediately prior to the time such Person becomes a Subsidiary, and (D) such Indebtedness is permitted by Section 10.04(a)(x); and (xi) Liens securing the Senior Secured Notes and Senior Secured Notes Guaranties, subject to the Intercreditor and Collateral Agency Agreement. "PERMITTED PREFERRED STOCK" means preferred stock of the Borrower, subject to the following: such preferred stock shall not (a) have mandatory redemption rights, or redemption at the option of the holder, sinking fund payments, guaranteed return or exchange ability or conversions into debt instruments or any other "debt-like" features other than any mandatory rights of redemption effective not earlier than six months after the Final Maturity Date, and (b) require the payment of any dividends thereon while any Event of Default exists hereunder. 18. "PERSON" means an individual, corporation, partnership, limited liability company, joint venture, trust, unincorporated organization or any other entity of whatever nature or any Governmental Authority. "PLAN" means any employee pension benefit plan as defined in Section 3(2) of ERISA (including any Multiemployer Plan) and any employee welfare benefit plan, as defined in Section 3(1) of ERISA (including any plan providing benefits to former employees or their survivors). "PREMISES" means any and all real property, including all buildings and improvements now or hereafter located thereon and all appurtenances thereto, now or hereafter owned, leased, occupied or used by the Borrower or any of its Subsidiaries. "PRIMARY TRADEMARKS" means the following trademarks: ACACIA, CHALONE VINEYARD, GAVILAN, SAGELANDS, STATON HILLS, MISTY RIDGE and PHOENIX. "PRINCIPAL PAYMENT DATE" means a day on which the Borrower is required to make a payment of principal pursuant to Section 5.02(b). "PRODUCTION LIENS" means statutory Liens securing the right of Persons who have rendered services for the storage, protection, improvement, safekeeping, carriage, alteration, repair, harvest or crushing of any grapes or Inventory, including without limitation, artisans and service liens under California Civil Code Section 3051, thresher's liens under California Civil Code Section 3061, and harvesters liens under California Civil Code Section 3061.5. "PRO RATA SHARE" means, as to any Lender at any time, the percentage equivalent (expressed as a decimal, rounded to the ninth decimal place) at such time of (a) in the case of the Revolving Commitments or the Revolving Loans, such Lender's Revolving Commitment divided by the combined Revolving Commitments of all Lenders (or, if all Revolving Commitments have been terminated, the aggregate principal amount of such Lender's Revolving Loans PLUS the its participations in the L/C Obligations and Swingline Loans divided by the aggregate principal amount of the Revolving Loans and the participations in L/C Obligations and Swingline Loans then held by all Lenders), (b) in the case of the Term Commitments or the Term Loans, such Lender's Term Commitment divided by the combined Term Commitments of all Lenders (or, if all Term Commitments have been terminated, the aggregate principal amount of such Lender's Term Loans divided by the aggregate principal amount of Term Loans then held by all Lenders), and (c) in all other cases, such Lender's unused Commitment PLUS its outstanding Loans and participations in the L/C Obligations and Swingline Loans divided by the combined unused Commitments and the outstanding Loans and participations in L/C Obligations and Swingline Loans of all Lenders (or, if all Commitments have been terminated, the aggregate principal amount of such Lender's Loans and participations in L/C Obligations and Swingline Loans divided by the aggregate principal amount of Loans and participations in L/C Obligations and Swingline Loans then held by all Lenders). The initial Pro Rata Shares of each Lender are set forth opposite such Lender's name in SCHEDULE 1. "RABOBANK" has the meaning set forth in the introduction to this Agreement. 19. "RATE CONTRACTS" means interest rate swaps, caps, floors and collars, currency swaps, or other similar financial products designed to provide protection against fluctuations in interest, currency or exchange rates. "RECEIVABLE DEBTOR" means any Person obligated on a Receivable. "RECEIVABLES" means all rights to payment arising out of the sale or lease of goods or the performance of services in the ordinary and usual course of business, however evidenced. "REGULATION D" means Regulation D of the FRB. "REGULATORY CHANGE" has the meaning set forth in Section 6.03. "RELATED PARTY" has the meaning set forth in Section 10.04(k). "RELATED PERSON" has the meaning set forth in Section 13.04(b). "REPLACEMENT LENDER" has the meaning set forth in Section 6.07. "REQUIRED NOTICE DATE" has the meaning set forth in Section 2.07. "REQUIREMENT OF LAW" means, as to any Person, any law (statutory or common), treaty, code, decree, order, rule or regulation or determination of an arbitrator or of a Governmental Authority, in each case applicable to or binding upon the Person or any of its property or to which the Person or any of its property is subject. "RESPONSIBLE OFFICER" means, with respect to any Person, the chief executive officer, the president, the chief financial officer or the treasurer of such Person, or any other senior officer of such Person having substantially the same authority and responsibility; or, with respect to compliance with financial covenants, the chief executive officer, the chief financial officer or the treasurer of any such Person, or any other senior officer of such Person involved principally in the financial administration or controllership function of such Person and having substantially the same authority and responsibility. "REVOLVING COMMITMENT" means, when used with reference to any Lender at the time any determination thereof is to be made, the amount set forth opposite the name of such Lender as its "Revolving Commitment" on Schedule 1, as from time to time reduced pursuant to Section 5.01, or, where the context so requires, the obligation of such Lender to make Revolving Loans up to such amount on the terms and conditions set forth in this Agreement. The initial aggregate Revolving Commitments of all the Lenders shall be $55,000,000, as the same may from time to time be reduced pursuant to Section 5.01. "REVOLVING EXPIRY DATE" means April 19, 2005. "REVOLVING LOAN" has the meaning set forth in Section 2.01(a). "REVOLVING NOTE" means a Promissory Note of the Borrower payable to the order of a Lender, in substantially the form of Exhibit G. 20. "SEC" means the Securities and Exchange Commission, or any successor thereto. "SECURITY AGREEMENT" means the Security Agreement among the Borrower and the Subsidiaries party thereto in favor of the Collateral Agent for the benefit of the Agent, the Lenders and the Senior Noteholders, in substantially the form of Exhibit H-1 (or in substantially the form of Exhibit H-2, in the case of Edna Valley Vineyard). "SENIOR NOTEHOLDERS" means the noteholders from time to time holding one or more of the Senior Secured Notes and in whose name such Senior Secured Note(s) are registered in the register maintained by the Borrower pursuant to the Senior Secured Note Documents. "SENIOR SECURED NOTE DOCUMENTS" means the note purchase agreement, documents and agreements evidencing the Senior Secured Notes, including all deeds of trust, mortgages, security agreements and other documents and agreements purporting to grant a Lien on the assets of the Borrower or any Subsidiary or any other Person to secure the obligations owing by the Borrower or any other Person under the Senior Secured Notes and Senior Secured Notes Guaranties. "SENIOR SECURED NOTES" means (a) the Borrower's $5,000,000 Adjustable Rate Senior Guaranteed Notes, Series A, Due September 15, 2010; (b) the Borrower's $10,000,000 Adjustable Rate Senior Guaranteed Notes, Series B, Due September 15, 2010; and (c) the Borrower's $15,000,000 Adjustable Rate Senior Guaranteed Notes, Series C, Due September 15, 2010, as amended and restated concurrently herewith. "SENIOR SECURED NOTES GUARANTIES" means the Subsidiary Guarantee Agreements entered into by the Subsidiary Guarantors in favor of the Senior Noteholders to guaranty the Borrower's obligations under the Senior Secured Notes and the other Senior Secured Note Documents. "SHW INTERCOMPANY LOAN AMOUNT" means the sum of (i) $8,000,000 plus (ii) on each anniversary of the Closing Date, 10% of the SHW Intercompany Loan Amount in effect immediately prior to such anniversary. "SOLVENT" means, as to any Person at any time, that (i) the fair value of the property of such Person is greater than the amount of such Person's liabilities (including disputed, contingent and unliquidated liabilities) as such value is established and liabilities evaluated for purposes of Section 101(32) of the Bankruptcy Code; (ii) the present fair saleable value of the property of such Person is not less than the amount that will be required to pay the probable liability of such Person on its debts as they become absolute and matured; (iii) such Person is able to realize upon its property and pay its debts and other liabilities (including disputed, contingent and unliquidated liabilities) as they mature in the normal course of business; (iv) such Person does not intend to, and does not believe that it will, incur debts or liabilities beyond such Person's ability to pay as such debts and liabilities mature; and (v) such Person is not engaged in business or a transaction, and is not about to engage in business or a transaction, for which such Person's property would constitute unreasonably small capital. "SPECIFIED ASSETS" means the assets of the Borrower and its Subsidiaries identified on Schedule 7 hereto which are being held for sale. 21. "SPECIFIED SWAP CONTRACT" means any Rate Contract made or entered into at any time, or in effect at any time (whether heretofore or hereafter), whether directly or indirectly, and whether as a result of assignment or transfer or otherwise, between the Borrower and any Swap Provider which Rate Contract is or was intended by the Borrower to have been entered into, in part or entirely, for purposes of mitigating interest rate or currency exchange risk relating to any Loan (which intent shall conclusively be deemed to exist if the Borrower so represents to the Swap Provider in writing). "SUBORDINATED DEBT" means any Indebtedness of the Borrower or any Subsidiary incurred after the date hereof in accordance with Section 10.04(a)(xi). "SUBSIDIARY" means any corporation, association, partnership, joint venture or other business entity of which more than 50% of the voting stock or other equity interest is owned directly or indirectly by any Person or one or more of the other Subsidiaries of such Person or a combination thereof. "SUBSIDIARY GUARANTOR" means each of Edna Valley Vineyard, Canoe Ridge Vineyard L.L.C., Canoe Ridge Winery, Inc., SHW Equity Co., Staton Hills Winery Company Limited and each other Subsidiary that becomes party to a Guaranty. "SWAP PROVIDER" means any Lender, or any Affiliate of any Lender, that is at the time of determination party to a Rate Contract with the Borrower. "SWAP TERMINATION VALUE" means, in respect of any one or more Rate Contracts, after taking into account the effect of any legally enforceable netting agreement relating to such Rate Contracts, (i) for any date on or after the date such Rate Contracts have been closed out and termination value(s) determined in accordance therewith, such termination value(s), and (ii) for any date prior to the date referenced in clause (a) the amount(s) determined as the mark-to-market value(s) for such Rate Contracts, as determined by the Borrower based upon one or more mid-market or other readily available quotations provided by any recognized dealer in such Rate Contracts (which may include any Lender). "SWINGLINE COMMITMENT" has the meaning specified in subsection 2.01(c). "SWINGLINE LENDER" has the meaning specified in the introduction to this Agreement. "SWINGLINE LOAN" has the meaning specified in subsection 2.01(c). "SWINGLINE NOTE" means a Promissory Note of the Borrower payable to the order of the Swingline Lender, in substantially the form of Exhibit I. "SYNTHETIC LEASE OBLIGATION" means the monetary obligation of a Person under (a) a so-called synthetic, off-balance sheet or tax retention lease, or (b) an agreement for the use or possession of property creating obligations that do not appear on the balance sheet of such Person but which, upon the insolvency or bankruptcy of such Person, would be characterized as the indebtedness of such Person (without regard to accounting treatment). 22. "TAXES" has the meaning set forth in Section 7.03(a). "TERM COMMITMENT" means, when used with reference to any Lender at the time any determination thereof is to be made, the amount set forth opposite the name of such Lender as its "Term Commitment" on Schedule 1 or, where the context so requires, the obligation of such Lender to make a Term Loan up to such amount on the terms and conditions set forth in this Agreement. The initial aggregate Term Commitments of all the Lenders shall be $17,500,000. "TERMINATION EVENT" means any of the following: (i) with respect to a Pension Plan, a reportable event described in Section 4043 of ERISA and the regulations issued thereunder (other than a reportable event not subject to the provisions for 30-day notice to the PBGC under such regulations); (ii) the withdrawal of the Borrower,any Guarantor or an ERISA Affiliate from a Pension Plan during a plan year in which the withdrawing employer was a "substantial employer" as defined in Section 4001(a)(2) or 4062(e) of ERISA; (iii) the taking of any actions (including the filing of a notice of intent to terminate) by the Borrower, any Guarantor, an ERISA Affiliate, the PBGC, a Plan Administrator, or any other Person to terminate a Pension Plan or the treatment of a Plan amendment as a termination of a Pension Plan under Section 4041 of ERISA; (iv) any other event or condition which might constitute grounds under Section 4042 of ERISA for the termination of, or the appointment of a trustee to administer, any Pension Plan; or (v) the complete or partial withdrawal of the Borrower, any Guarantor or an ERISA Affiliate from a Multiemployer Plan. "TERM LOAN" has the meaning set forth in Section 2.01(b), and shall include the additional Term Loans, if any, made pursuant to Section 2.01(d). "TERM NOTE" means a Promissory Note of the Borrower payable to the order of a Lender, in substantially the form of Exhibit J. "UCC" means the Uniform Commercial Code of the jurisdiction the law of which governs the Loan Document in which such term is used or the attachment, perfection or priority of the Lien on any Collateral. "UNFUNDED ACCRUED BENEFITS" means the excess of a Pension Plan's accrued benefits, as defined in Section 3(23) of ERISA, over the current value of that Plan's assets, as defined in Section 3(26) of ERISA. "UPDATE CERTIFICATE" means a certificate of a Responsible Officer of the Borrower in substantially the form of Exhibit N, with such changes thereto as the Agent or any Lender may from time to time reasonably request. 23. "WINE BOTTLING INVENTORY" means Borrower's bottles, capsules, corks and other supplies used in its wine production, bottling and packaging. "WINE DIVIDEND CREDITS" means annual credits provided by the Borrower to shareholders owning 100 or more shares of the Borrower's common stock, which credits may be applied by each such shareholder, for a period not to exceed one year following such shareholder's receipt of such credits, towards up to 50% of the purchase price of mail-order or other direct purchases of wine from the Borrower. SECTION 1.02 ACCOUNTING PRINCIPLES. (a) ACCOUNTING TERMS. Unless otherwise defined or the context otherwise requires, all accounting terms not expressly defined herein shall be construed, and all accounting determinations and computations required under the Loan Documents shall be made, in accordance with GAAP, consistently applied. (b) GAAP CHANGES. If GAAP shall have been modified after the Closing Date and the application of such modified GAAP shall have a material effect on any financial computations hereunder (including the computations required for the purpose of determining compliance with the covenants set forth in Section 10.02), then, at the request of the Agent or the Majority Lenders, such computations shall be made and the financial statements, certificates and reports due hereunder shall be prepared, and all accounting terms not otherwise defined herein shall be construed, in accordance with GAAP as in effect prior to such modification, unless and until the Majority Lenders and the Borrower shall have agreed upon the terms of the application of such modified GAAP. (c) "FISCAL YEAR" AND "FISCAL QUARTER". References herein to "fiscal year" and "fiscal quarter" refer to such fiscal periods of the Borrower. SECTION 1.03 INTERPRETATION. In the Loan Documents, except to the extent the context otherwise requires: (i) Any reference to an Article, a Section, a Schedule or an Exhibit is a reference to an article or section thereof, or a schedule or an exhibit thereto, respectively, and to a subsection or a clause is, unless otherwise stated, a reference to a subsection or a clause of the Section or subsection in which the reference appears. (ii) The words "hereof," "herein," "hereto," "hereunder" and the like mean and refer to this Agreement or any other Loan Document as a whole and not merely to the specific Article, Section, subsection, paragraph or clause in which the respective word appears. (iii) The meaning of defined terms shall be equally applicable to both the singular and plural forms of the terms defined. (iv) The words "including," "includes" and "include" shall be deemed to be followed by the words "without limitation." 24. (v) References to agreements and other contractual instruments shall be deemed to include all subsequent amendments and other modifications thereto, but only to the extent such amendments and other modifications are not prohibited by the terms of the Loan Documents. (vi) References to statutes or regulations are to be construed as including all statutory and regulatory provisions consolidating, amending or replacing the statute or regulation referred to. (vii) Any table of contents, captions and headings are for convenience of reference only and shall not affect the construction of this Agreement or any other Loan Document. (viii) In the computation of periods of time from a specified date to a later specified date, the word "from" means "from and including"; the words "to" and "until" each mean "to but excluding"; and the word "through" means "to and including." (ix) The use of a word of any gender shall include each of the masculine, feminine and neuter genders. (x) This Agreement and the other Loan Documents are the result of negotiations among the Agent, the Borrower and the other parties, have been reviewed by counsel to the Agent, the Borrower and such other parties, and are the products of all parties. Accordingly, they shall not be construed against the Lenders or the Agent merely because of the Agent's or Lenders' involvement in their preparation. ARTICLE II THE LOANS SECTION 2.01 THE LOANS. (a) REVOLVING LOANS. Each Lender severally agrees, on the terms and conditions set forth in this Agreement, to make revolving loans (each a "Revolving Loan" and, collectively, the "Revolving Loans") to the Borrower from time to time on any Business Day during the period from the Closing Date until the Revolving Expiry Date, in an aggregate principal amount up to but not exceeding at any time outstanding such Lender's Revolving Commitment; PROVIDED, that (i) the Effective Amount of all Revolving Loans PLUS the Effective Amount of all Swingline Loans PLUS the Effective Amount of all L/C Obligations shall not exceed the aggregate Revolving Commitments and (ii) the Effective Amount of all Revolving Loans PLUS the Effective Amount of all Swingline Loans PLUS the Effective Amount of all L/C Obligations shall not exceed the Borrowing Base then in effect; and PROVIDED FURTHER, that the Effective Amount of the Revolving Loans of any Lender PLUS the participation of such Lender in the Effective Amount of all Swingline Loans and L/C Obligations shall not exceed such Lender's Revolving Commitment. Within the foregoing limits and subject to the other terms and conditions hereof, during such period the Borrower may borrow, repay the Revolving Loans in whole or in part, and reborrow, all in accordance with the terms and conditions hereof. 25. (b) TERM LOANS. Each Lender severally agrees, on the terms and conditions set forth in this Agreement, to make a term loan (each a "Term Loan" and, collectively, the "Term Loans") to the Borrower on the Closing Date, in a principal amount up to but not exceeding such Lender's Term Commitment. Any amount of the Term Loans repaid may not be reborrowed. (c) SWINGLINE LOANS. The Swingline Lender agrees, on the terms and conditions set forth in this Agreement, to make a portion of the Revolving Commitment available to the Borrower by making swingline loans denominated in Dollars (individually, a "Swingline Loan", and, collectively, the "Swingline Loans") to the Borrower on any Business Day during the period from the Closing Date to the Revolving Expiry Date in an aggregate principal amount at any one time outstanding not to exceed $5,000,000, notwithstanding the fact that such Swingline Loans, when aggregated with any other Credit Extensions made by or participated in by the Swingline Lender, may exceed the Swingline Lender's Revolving Commitment (the amount of such commitment of the Swingline Lender to make Swingline Loans to the Company pursuant to this subsection 2.01(c), as the same shall be reduced pursuant to Section 5.01, the Swingline Lender's "Swingline Commitment"); PROVIDED that at no time shall (i) the sum of the Effective Amount of all Swingline Loans PLUS the Effective Amount of all Revolving Loans PLUS the Effective Amount of all L/C Obligations exceed the combined Revolving Commitments, or (ii) the Effective Amount of all Swingline Loans exceed the Swingline Commitment. Additionally, no more than one Swingline Loan may be outstanding at any one time, and all Swingline Loans shall at all times be Base Rate Loans or accrue interest at such other rate as may be agreed to by the Swingline Lender and the Borrower. Within the foregoing limits, and subject to the other terms and conditions hereof, the Borrower may borrow, repay the Swingline Loans in whole or in part, and reborrow, all in accordance with the terms and conditions hereof. (d) ADDITIONAL TERM LOANS. Each Lender severally agrees, on the terms and conditions set forth in this Agreement, to make an additional Term Loan to the Borrower on or prior to April 30, 2002. The obligation of each Lender to make such additional Term Loan shall be within its sole and absolute discretion and shall be subject to the following: (i) the Agent shall have received by no later than April 15, 2002, a written appraisal report in respect of the fair market value of the Hewitt Ranch Property prepared by an ARA or MAI certified appraiser (the "Hewitt Appraisal"); and (ii) the appraised fair market value of the Hewitt Ranch Property set forth in the Hewitt Appraisal shall be greater than $11,600,000. If the conditions set forth in the preceding clauses (i) and (ii) are satisfied, then the Borrower may request additional Term Loans in an aggregate amount not to exceed the lesser of (A) 70% of the difference between the appraised fair market value of the Hewitt Ranch Property set forth in the Appraisal MINUS $11,600,000 and (B) $2,500,000. Any amount of the additional Term Loans repaid may not be reborrowed. SECTION 2.02 BORROWING PROCEDURE - REVOLVING LOANS AND TERM LOANS. (a) NOTICE TO THE AGENT. Each Borrowing of Revolving Loans or Term Loans shall be made on a Business Day upon written or telephonic notice (in the latter case to be confirmed promptly in writing) from the Borrower to the Agent, which notice shall be received by the Agent not later than 1:00 p.m. (New York time) on the Required Notice Date. Each such 26. notice, except as provided in Sections 6.01 and 6.04, shall be irrevocable and binding on the Borrower, shall be in substantially the form of Exhibit K (a "Notice of Borrowing") and shall specify whether the Borrowing consists of Base Rate Loans or Eurodollar Rate Loans and the other information required thereby. Notwithstanding the foregoing, the Borrower may give the Agent standing instructions in writing to make a Swingline Loan on the date any interest is due hereunder, in the amount of such interest, PROVIDED that the making of the Swingline Loan would otherwise be permissible under Section 2.01(c) and Section 8.02, and prior to the rescission in writing by the Borrower of such standing instructions, no further notice shall be necessary under this Section 2.02 with respect to Borrowings of Swingline Loans to pay accrued and unpaid interest owing hereunder. (b) NOTICE TO THE LENDERS. The Agent shall give each Lender prompt notice by telephone (confirmed promptly in writing) or by facsimile of each Borrowing of Revolving Loans or Term Loans, specifying the information contained in the Borrower's Notice and such Lender's Pro Rata Share of the Borrowing. On the date of each such Borrowing, each Lender shall make available such Lender's Pro Rata Share of such Borrowing, in same day or immediately available funds, to the Agent for the Agent's Account, not later than 3:00 p.m. (New York time). Upon fulfillment of the applicable conditions set forth in Article VIII and after receipt by the Agent of any such funds, and unless other payment instructions are provided by the Borrower, the Agent shall make such funds available to the Borrower by crediting the Borrower's Account with same day or immediately available funds on such Borrowing date. (c) NON-RECEIPT OF FUNDS. Unless the Agent shall have received notice from a Lender prior to the date of any Borrowing of Revolving Loans or Term Loans that such Lender shall not make available to the Agent such Lender's Pro Rata Share of such Borrowing, the Agent may assume that such Lender has made such portion available to the Agent on the date of such Borrowing in accordance with Section 2.02(b) and the Agent may, in reliance upon such assumption, make available to the Borrower on such date a corresponding amount. If and to the extent such Lender shall not have so made such Pro Rata Share available to the Agent, and the Agent in such circumstances shall have made available to the Borrower such amount, such Lender agrees to repay to the Agent forthwith on demand such corresponding amount together with interest thereon, for each day from the date such amount is made available to the Borrower until the date such amount is repaid to the Agent, at the Federal Funds Rate. If such Lender shall repay to the Agent such corresponding amount, such amount so repaid shall constitute such Lender's Loan as part of such Borrowing for purposes of this Agreement. If such amount is not made available by such Lender to the Agent on the Business Day following the Borrowing date, the Agent shall notify the Borrower of such failure to fund and, upon demand by the Agent, the Borrower shall pay such amount to the Agent for the Agent's Account, together with interest thereon for each day elapsed since the date of such Borrowing, at a rate per annum equal to the interest rate applicable at the time to the Loans comprising such Borrowing. SECTION 2.03 BORROWING PROCEDURE--SWINGLINE LOANS. (a) NOTICE TO THE AGENT. The Borrower shall provide the Agent irrevocable written notice (including notice via facsimile confirmed immediately by a telephone call) in the form of a Notice of Borrowing of any Swingline Loan requested hereunder (which notice must be received by the Agent prior to 1:00 p.m. (New York time) on the requested Borrowing date) 27. specifying (i) the amount to be borrowed, which shall be in a Minimum Amount (unless otherwise agreed by the Swingline Lender), and (ii) the requested Borrowing date, which shall be a Business Day. Unless the Swingline Lender has received notice prior to 2:00 p.m. (New York time) on such Borrowing date from the Agent (including at the request of any Lender) (A) directing the Swingline Lender not to make the requested Swingline Loan as a result of the limitations set forth in the proviso set forth in the first sentence of subsection 2.01(a); or (B) that one or more conditions specified in Article VIII are not then satisfied; then, subject to the terms and conditions hereof, the Swingline Lender will, not later than 3:00 p.m. (New York time) on the Borrowing date specified in such Notice of Borrowing, make the amount of its Swingline Loan available to the Borrower by crediting the Borrower's Account with same day or immediately available funds on such Borrowing date. (b) PARTICIPATIONS IN SWINGLINE LOANS.If: (1) any Swingline Loan shall remain outstanding at 4:00 p.m. (New York time) on the Business Day immediately prior to the date on which such Swingline Loan is due and by such time on such Business Day the Agent shall have received neither: (A) a Notice of Borrowing delivered pursuant to Section 2.02 requesting that Revolving Loans be made pursuant to subsection 2.01 on such due date in an amount at least equal to the aggregate principal amount of such Swingline Loan; nor (B) any other notice indicating the Borrower's intent to repay such Swingline Loan with funds obtained from other sources; or (2) any Swingline Loans shall remain outstanding during the existence of a Default or Event of Default and the Swingline Lender shall in its sole discretion notify the Agent that the Swingline Lender desires that such Swingline Loans be converted into Revolving Loans; THEN the Agent shall be deemed to have received a Notice of Borrowing from the Borrower pursuant to Section 2.02 requesting that Base Rate Loans be made pursuant to subsection 2.01(a) on such due date (in the case of the circumstances described in clause (1) above) or on the first Business Day subsequent to the date of such notice from the Swingline Lender (in the case of the circumstances described in clause (2) above) in an amount equal to the aggregate amount of such Swingline Loans, and the procedures set forth in subsections 2.02(b) shall be followed in making such Base Rate Loans; PROVIDED, that such Base Rate Loans shall be made notwithstanding the Borrower's failure to comply with Section 8.02; and PROVIDED, FURTHER, that if a Borrowing of Revolving Loans becomes legally impracticable and if so required by the Swingline Lender at the time such Revolving Loans are required to be made by the Lenders in accordance with this subsection 2.03(c), each Lender agrees that in lieu of making Revolving Loans as described in this subsection 2.03(c), such Lender shall purchase a participation from the Swingline Lender in the applicable Swingline Loans in an amount equal to such Lender's Pro Rata Share of such Swingline Loans, and the procedures set forth in subsections 2.02(b) shall be followed in connection with the purchases of such participations. Upon such purchases of participations the prepayment requirements of this subsection 2.03(c) shall be deemed waived with respect to such Swingline Loans. If any Swingline Loan shall remain outstanding in lieu of a Borrowing of Revolving Loans as provided above, interest on such Swingline Loan shall be due and payable on demand and shall accrue at the rate then applicable to Base Rate Loans. The proceeds of such Base Rate Loans, or participations purchased, shall be applied to repay such Swingline Loans. A 28. copy of each notice given by the Agent to the Lenders pursuant to this subsection 2.03(c) with respect to the making of Revolving Loans, or the purchases of participations, shall be promptly delivered by the Agent to the Borrower. Each Lender's obligation in accordance with this Agreement to make the Revolving Loans, or purchase the participations, as contemplated by this subsection 2.03(c), shall be absolute and unconditional and shall not be affected by any circumstance, including (1) any set-off, counterclaim, recoupment, defense or other right which such Lender may have against the Swingline Lender, the Borrower or any other Person for any reason whatsoever; (2) the occurrence or continuance of a Default, an Event of Default or a Material Adverse Effect; or (3) any other circumstance, happening or event whatsoever, whether or not similar to any of the foregoing. SECTION 2.04 LENDING OFFICES. The Loans made by each Lender may be made from and maintained at such offices of such Lender (each a "Lending Office") as such Lender may from time to time designate (whether or not such office is specified on Schedule 2). A Lender shall not elect a Lending Office (other than that set forth on Schedule 2) that, at the time of making such election, increases the amounts which would have been payable by the Borrower to such Lender under this Agreement in the absence of such election. With respect to Eurodollar Rate Loans made from and maintained at any Lender's non-U.S. offices, the obligation of the Borrower to repay such Eurodollar Rate Loans shall nevertheless be to such Lender and shall, for all purposes of this Agreement (including for purposes of the definition of the term "Majority Lenders") be deemed made or maintained by it, for the account of any such office; PROVIDED that Borrower shall not be required to pay any increased amounts that would not have been payable to any such Lender absent such election. SECTION 2.05 EVIDENCE OF INDEBTEDNESS. The Loans made by each Lender shall be evidenced by one or more loan accounts maintained by such Lender in accordance with its usual practices. The loan accounts maintained by the Agent and each such Lender shall be rebuttable presumptive evidence of the amount of the Loans made by such Lender to the Borrower and the interest and payments thereon. Any failure so to record or any error in doing so shall not, however, limit or otherwise affect the obligation of the Borrower hereunder to pay any amount owing with respect to the Loans. At the request of any Lender, (i) as additional evidence of the Indebtedness of the Borrower to such Lender resulting from the Revolving Loans made by such Lender, the Borrower shall execute and deliver for account of such Lender pursuant to Article VIII a Revolving Note, dated the Closing Date, setting forth such Lender's Revolving Commitment as the maximum principal amount thereof, and (ii) as additional evidence of the Indebtedness of the Borrower to such Lender resulting from the Term Loan made by such Lender, the Borrower shall execute and deliver for account of such Lender pursuant to Article VIII a Term Note, dated the Closing Date, in the principal amount of the Term Loan made by such Lender on the Closing Date. At the request of the Swingline Lender, as additional evidence of the Indebtedness of the Borrower to the Swingline Lender resulting from the Swingline Loans made by the Swingline Lender, the Borrower shall execute and deliver for the account of the Swingline Lender pursuant to Article VIII a Swingline Note, dated the Closing Date, setting forth the Swingline Lender's Swingline Commitment as the maximum principal amount thereof. At the request of any Lender that makes an additional Term Loan pursuant to Section 2.01(d), as additional evidence of the Indebtedness of the Borrower to such Lender resulting from the additional Term Loan made by such Lender, the Borrower shall execute and deliver for the account of such Lender an additional Term Note, dated the date of 29. such additional Term Loan, in the principal amount of the additional Term Loan made by such Lender. SECTION 2.06 MINIMUM AMOUNTS. Any Borrowing, conversion, continuation, Commitment reduction or prepayment of Revolving Loans or Term Loans hereunder shall be in an aggregate amount determined as follows (each such specified amount a "Minimum Amount"): (i) any Borrowing or partial prepayment of Base Rate Loans (other than Swingline Loans) shall be in the amount of $1,000,000 or a greater amount which is an integral multiple of $100,000; (ii) any Borrowing, continuation or partial prepayment of, or conversion into, Eurodollar Rate Loans shall be in the amount of $1,000,000 or a greater amount which is an integral multiple of $100,000; (iii) any Borrowing or partial prepayment of Swingline Loans shall be in the minimum amount of $100,000 or a greater amount which is an integral multiple of $10,000; and (iv) any partial Commitment reduction under Section 5.01(a) shall be in the amount of $1,000,000 or a greater amount which is an integral multiple of $100,000. SECTION 2.07 REQUIRED NOTICE. Any Notice hereunder shall be given not later than the date determined as follows (each such specified date a "Required Notice Date"): (i) any Notice with respect to a Borrowing of, or conversion into, Base Rate Loans (other than Swingline Loans) shall be given at least one Business Day prior to the date of the proposed Borrowing or conversion; (ii) any Notice with respect to any Borrowing or continuation of, or conversion into, Eurodollar Rate Loans shall be given at least three Eurodollar Business Days prior to the date of the proposed Borrowing, conversion or continuation; (iii) any Notice with respect to a Borrowing or full or partial prepayment of Swingline Loans shall be given not later than the date of the proposed Borrowing or prepayment; (iv) any Notice with respect to any prepayment under Section 5.03(a) (other than with respect to Swingline Loans) or Commitment reduction under Section 5.01(a) shall, except as otherwise provided in Section 5.03(b), be given at least three Business Days prior to the proposed prepayment or reduction date; (v) any notice with respect to the issuance of any Letter of Credit shall, except to the extent the Issuing Lender may agree in a particular instance to a shorter notice period in its sole and absolute discretion, be given at least two Business Days prior to the proposed issuance date; and (vi) any notice with respect to the amendment or renewal of any Letter of Credit shall, except to the extent the Issuing Lender may agree in a particular instance to a shorter notice period in its sole and absolute discretion, be given at least two Business Days prior to the proposed amendment or renewal date. ARTICLE III THE LETTERS OF CREDIT SECTION 3.01 THE LETTER OF CREDIT SUBFACILITY. (a) LETTERS OF CREDIT. On the terms and conditions hereinafter set forth, (i) the Issuing Lender hereby agrees (A) from time to time on any Business Day during the period from the Closing Date to the Revolving Expiry Date to issue Letters of Credit for the account of the Borrower in accordance with Section 3.02(a), and to amend or renew Letters of Credit previously issued by it, in accordance with subsections 3.02(c) and 3.02(d), in an aggregate amount not to exceed at any time $5,000,000 (the "L/C Commitment"), and (B) to honor drafts under the 30. Letters of Credit; and (ii) the Lenders severally agree to participate in Letters of Credit issued for the account of the Borrower; PROVIDED, that the Issuing Lender shall not be obligated to issue any Letter of Credit if (1) the Effective Amount of all L/C Obligations PLUS the Effective Amount of all Revolving Loans PLUS the Effective Amount of all Swingline Loans shall exceed the aggregate Revolving Commitments, (2) the participation of any Lender in the Effective Amount of all L/C Obligations PLUS the participation of such Lender in the Effective Amount of all Swingline Loans PLUS the Effective Amount of the Revolving Loans of such Lender shall exceed such Lender's Revolving Commitment, (3) the Effective Amount of L/C Obligations shall exceed the L/C Commitment or (4) the Effective Amount of all L/C Obligations PLUS the Effective Amount of all Revolving Loans PLUS the Effective Amount of all Swingline Loans shall exceed the Borrowing Base then in effect. Within the foregoing limits, and subject to the other terms and conditions hereof, the Borrower's ability to obtain Letters of Credit shall be fully revolving, and, accordingly, the Borrower may, during the foregoing period, obtain Letters of Credit to replace Letters of Credit which have expired or which have been drawn upon and reimbursed. (b) CONDITIONS TO ISSUANCE. The Issuing Lender shall be under no obligation to issue, amend or reinstate any Letter of Credit if: (i) any order, judgment or decree of any Governmental Authority or arbitrator shall by its terms purport to enjoin or restrain the Issuing Lender from issuing, amending or reinstating such Letter of Credit, or any law, rule or regulation applicable to the Issuing Lender or any request, guideline or directive (whether or not having the force of law) from any Governmental Authority with jurisdiction over the Issuing Lender shall prohibit, or request that the Issuing Lender refrain from, the issuance, amendment or reinstatement of letters of credit generally or such Letter of Credit in particular or shall impose upon the Issuing Lender with respect to such Letter of Credit any restriction, reserve or capital requirement (for which the Issuing Lender is not otherwise compensated) not in effect on the Closing Date, or shall impose upon the Issuing Lender any unreimbursed loss, cost or expense which was not applicable on the Closing Date and which the Issuing Lender in good faith deems material to it; (ii) the Issuing Lender has received written notice from any Lender, the Agent or the Borrower, at least one Business Day prior to the requested date of issuance, amendment or reinstatement of such Letter of Credit, that one or more of the applicable conditions contained in Article VIII is not then satisfied; (iii) the expiry date of any requested Letter of Credit is (A) more than one year after the date of issuance, unless the Majority Lenders have approved such expiry date in writing, PROVIDED that a Letter of Credit may state that the expiry date thereof may be extended for an additional term as shall be satisfactory to the Issuing Lender (either upon prior notice or automatically) so long as the next succeeding additional term at any time is not more than one year; or (B) after the Revolving Expiry Date, unless all of the Lenders have approved such expiry date in writing and such Letter of Credit is fully cash collateralized; (iv) any requested Letter of Credit does not provide for drafts, or is not otherwise in form and substance acceptable to the Issuing Lender, or the issuance, amendment or renewal of a Letter of Credit shall violate any applicable policies of the Issuing Lender; or 31. (v) such Letter of Credit is denominated in a currency other than dollars. SECTION 3.02 ISSUANCE, AMENDMENT AND RENEWAL OF LETTERS OF CREDIT. (a) NOTICE TO ISSUING LENDER OF ISSUANCE REQUEST. Each Letter of Credit shall be issued upon the irrevocable written request of the Borrower received by the Issuing Lender (with a copy sent by the Borrower to the Agent) not later than the Required Notice Date. Each such request for issuance of a Letter of Credit shall be in writing, in the form of an L/C Application, and shall specify in form and detail satisfactory to the Issuing Lender: (i) the proposed date of issuance of the Letter of Credit (which shall be a Business Day); (ii) the face amount of the Letter of Credit; (iii) the expiry date of the Letter of Credit; (iv) the name and address of the beneficiary thereof; (v) the documents to be presented by the beneficiary of the Letter of Credit in case of any drawing thereunder; (vi) the full text of any certificate to be presented by the beneficiary in case of any drawing thereunder; and (vii) such other matters as the Issuing Lender may require. (b) ISSUANCE OF LETTERS OF CREDIT. At least two Business Days prior to the issuance of any Letter of Credit or any amendment or renewal of any Letter of Credit, the Issuing Lender shall confirm with the Agent (by telephone or in writing) that the Agent has received a copy of the L/C Application or L/C Amendment Application from the Borrower and, if not, the Issuing Lender will provide the Agent with a copy thereof. Unless the Issuing Lender has received notice on or before the Business Day immediately preceding the date the Issuing Lender is to issue, amend or renew a requested Letter of Credit from the Agent (i) directing the Issuing Lender not to issue, amend or renew such Letter of Credit because such issuance, amendment or renewal is not then permitted under Section 3.01(a) as a result of the limitations set forth in clauses (1) through (4) thereof or Section 3.01(b); or (ii) that one or more conditions specified in Article VIII are not then satisfied; then, subject to the terms and conditions hereof, the Issuing Lender shall, on the requested date, issue a Letter of Credit for the account of the Borrower or amend or renew a Letter of Credit, as the case may be, in accordance with the Issuing Lender's usual and customary business practices. (c) NOTICE TO ISSUING LENDER OF AMENDMENT REQUEST. >From time to time while a Letter of Credit is outstanding and prior to the Revolving Expiry Date, the Issuing Lender shall, upon the written request of the Borrower received by the Issuing Lender (with a copy sent by the Borrower to the Agent) not later than the Required Notice Date, amend any Letter of Credit issued by it. Each such request for amendment of a Letter of Credit shall be made in writing, in the form of an L/C Amendment Application, and shall specify in form and detail satisfactory to the Issuing Lender: (i) the Letter of Credit to be amended; (ii) the proposed date of amendment of the Letter of Credit (which shall be a Business Day); (iii) the nature of the proposed amendment; and (iv) such other matters as the Issuing Lender may require. The Issuing Lender shall be under no obligation to amend any Letter of Credit, and shall not permit the amendment of a Letter of Credit, if: (A) the Issuing Lender would have no obligation at such time to issue such Letter of Credit in its amended form under the terms of this Agreement; or (B) the beneficiary of any such Letter of Credit does not accept the proposed amendment to the Letter of Credit. 32. (d) NOTICE TO ISSUING LENDER OF RENEWAL REQUEST. The Issuing Lender and the Lenders agree that, while a Letter of Credit is outstanding and prior to the Revolving Expiry Date, at the option of the Borrower and upon the written request of the Borrower received by the Issuing Lender (with a copy sent by the Borrower to the Agent) not later than the Required Notice Date, the Issuing Lender shall be entitled to authorize the automatic renewal of any Letter of Credit issued by it. Each such request for renewal of a Letter of Credit shall be made in writing, in the form of an L/C Amendment Application, and shall specify in form and detail satisfactory to the Issuing Lender: (i) the Letter of Credit to be renewed; (ii) the proposed date of notification of renewal of the Letter of Credit (which shall be a Business Day); (iii) the revised expiry date of the Letter of Credit; and (iv) such other matters as the Issuing Lender may require. The Issuing Lender shall be under no obligation so to renew any Letter of Credit, and shall not permit any renewal (including any automatic renewal of a Letter of Credit), if: (A) the Issuing Lender would have no obligation at such time to issue or amend such Letter of Credit in its renewed form under the terms of this Agreement; or (B) the beneficiary of any such Letter of Credit does not accept the proposed renewal of the Letter of Credit. If any outstanding Letter of Credit shall provide that it shall be automatically renewed unless the beneficiary thereof receives notice from the Issuing Lender that such Letter of Credit shall not be renewed, and if at the time of renewal the Issuing Lender would be entitled to authorize the automatic renewal of such Letter of Credit in accordance with this subsection (d) upon the request of the Borrower but the Issuing Lender shall not have received any L/C Amendment Application from the Borrower with respect to such renewal or other written direction by the Borrower with respect thereto, the Issuing Lender shall nonetheless be permitted to allow such Letter of Credit to renew, and the Borrower and the Lenders hereby authorize such renewal, and, accordingly, the Issuing Lender shall be deemed to have received an L/C Amendment Application from the Borrower requesting such renewal. (e) EXPIRY OF LETTERS OF CREDIT. The Issuing Lender may, at its election (or shall, when required by the Agent at the direction of the Majority Lenders), deliver any notices of termination or other communications to any Letter of Credit beneficiary or transferee, or take any other action as necessary or appropriate, at any time and from time to time, in order to cause the expiry date of such Letter of Credit to be a date not later than the Revolving Expiry Date, unless such later date has been previously approved by the Agent and all the Lenders in writing and such Letter of Credit is fully cash collateralized. (f) CONFLICTS WITH L/C-RELATED DOCUMENTS. This Agreement shall control in the event of any conflict with any L/C-Related Document (other than any Letter of Credit). (g) DELIVERY OF COPIES OF LETTERS OF CREDIT. The Issuing Lender shall also deliver to the Agent, concurrently with or promptly following its delivery of a Letter of Credit, or amendment to or renewal of a Letter of Credit, to an advising bank or a beneficiary, a true and complete copy of each such Letter of Credit or amendment to or renewal of a Letter of Credit. (h) NOTICES TO LENDERS. The Agent shall promptly notify the Lenders of the issuance, amendment or renewal of a Letter of Credit hereunder (including the date thereof and the amount, expiry and reference number of such Letter of Credit). 33. SECTION 3.03 PARTICIPATIONS, DRAWINGS AND REIMBURSEMENTS. (a) PARTICIPATIONS OF LENDERS IN ADDITIONAL LETTERS OF CREDIT. Immediately upon the issuance of each Letter of Credit, the Issuing Lender shall be deemed irrevocably to have sold and transferred to each Lender without recourse or warranty, and each Lender shall be deemed to, and hereby irrevocably and unconditionally agrees to, purchase and accept from the Issuing Lender, for such Lender's own account and risk, an undivided interest and a participation in such Letter of Credit and each drawing thereunder in an amount equal to the product of (i) the Pro Rata Share of such Lender, times (ii) the maximum amount available to be drawn under such Letter of Credit and the amount of such drawing, respectively. For purposes of Section 3.01(a), each issuance of a Letter of Credit shall be deemed to utilize the Revolving Commitment of each Lender by an amount equal to the amount of such participation. (b) DRAWING AND REIMBURSEMENT. In the event of any request for a drawing under a Letter of Credit by the beneficiary thereof, the Issuing Lender shall immediately notify the Borrower and the Agent. The Borrower shall reimburse the Issuing Lender prior to 1:00 p.m. (New York time), on each date that any amount is paid by the Issuing Lender under any Letter of Credit, in an amount equal to the amount paid by the Issuing Lender on such date under such Letter of Credit. In the event the Borrower shall fail to reimburse the Issuing Lender for the full amount of any drawing under any Letter of Credit by 1:00 p.m. (New York time) on the same date such drawing is honored by the Issuing Lender, the Issuing Lender shall promptly notify the Agent and the Agent shall promptly notify each Lender thereof (including the amount of the drawing and such Lender's Pro Rata Share thereof), and the Borrower shall be deemed to have requested that Base Rate Loans be made by the Lenders to be disbursed on the date of payment by the Issuing Lender under such Letter of Credit, subject to the amount of the unutilized portion of the Revolving Commitment of each Lender and subject to the conditions set forth in clauses (b) and (c) of Section 8.02. The Borrower hereby directs that the proceeds of any such Loans deemed to be made by it shall be used to pay its reimbursement obligations in respect of any such drawing. Solely for the purposes of making such Loans, the Minimum Amount limitations set forth in Section 2.06 shall not be applicable. Any notice given by the Issuing Lender or the Agent pursuant hereto may be telephonic if immediately confirmed in writing; PROVIDED that the lack of such an immediate confirmation shall not affect the conclusiveness or binding effect of such notice. (c) FUNDING BY LENDERS. Each Lender shall upon receipt of any notice pursuant to subsection (b) make available to the Agent for the account of the Issuing Lender an amount in Dollars and in same day or immediately available funds equal to its Pro Rata Share of the amount of the drawing, whereupon the participating Lenders shall (subject to subsection(b)) each be deemed to have made a Revolving Loan consisting of a Base Rate Loan to the Borrower in that amount. If any Lender so notified shall fail to make available to the Agent for the account of the Issuing Lender the amount of such Lender's Pro Rata Share of the amount of the drawing by no later than 3:00 p.m. (New York time) on the date such drawing was honored by the Issuing Lender (the "Participation Date"), then interest shall accrue on such Lender's obligation to make such payment, from the Participation Date to the date such Lender makes such payment, at a rate per annum equal to (i) the Federal Funds Rate in effect from time to time during the period commencing on the Participation Date and ending on the date three Business Days thereafter, and (ii) thereafter at the Base Rate as in effect from time to time. The Agent shall promptly give 34. notice of the occurrence of the Participation Date, but failure of the Agent to give any such notice on the Participation Date or in sufficient time to enable any Lender to effect such payment on such date shall not relieve such Lender from its obligations under this Section 3.03. (d) L/C UNREIMBURSED DRAWINGS. With respect to any unreimbursed drawing that is not converted into Revolving Loans consisting of Base Rate Loans to the Borrower in whole or in part, because of the Borrower's failure to satisfy the conditions set forth in clauses (b) and (c) of Section 8.02 or for any other reason, the Borrower shall be obligated to the Issuing Lender for an L/C Unreimbursed Draw in the amount of such drawing, which L/C Unreimbursed Draw shall be due and payable on demand, together with interest, and shall bear interest at a rate per annum equal to the Base Rate PLUS the Applicable Margin PLUS 2% per annum, and each Lender's payment to the Issuing Lender pursuant to subsection (c) shall be deemed payment in respect of its participation in such L/C Unreimbursed Draw and shall constitute an L/C Advance from such Lender in satisfaction of its participation obligation under this Section 3.03. (e) OBLIGATION OF LENDERS ABSOLUTE. Each Lender's obligation in accordance with this Agreement to make the Revolving Loans or L/C Advances, as contemplated by this Section 3.03, as a result of a drawing under a Letter of Credit shall be absolute and unconditional and shall not be affected by any circumstance, including (i) any set-off, counterclaim, recoupment, defense or other right which such Lender may have against the Issuing Lender, the Borrower or any other Person for any reason whatsoever; (ii) the occurrence or continuance of a Default, an Event of Default or a Material Adverse Effect; or (iii) any other circumstance, happening or event whatsoever, whether or not similar to any of the foregoing. SECTION 3.04 REPAYMENT OF PARTICIPATIONS. Upon(and only upon) receipt by the Agent for the account of the Issuing Lender of funds from the Borrower (i) in reimbursement of any payment made by the Issuing Lender under the Letter of Credit with respect to which any Lender has theretofore paid the Agent for the account of the Issuing Lender for such Lender's participation in the Letter of Credit pursuant to Section 3.03, or (ii) in payment of interest thereon, the Agent shall pay to each Lender, in the same funds as those received by the Agent for the account of the Issuing Lender, the amount of such Lender's Pro Rata Share of such funds, and the Issuing Lender shall receive the amount of the Pro Rata Share of such funds of any Lender that did not so pay the Agent for the account of the Issuing Lender. If the Agent or the Issuing Lender is required at any time to return to the Borrower or to a trustee, receiver, liquidator, custodian, or any official in any Insolvency Proceeding, any portion of the payments made by the Borrower to the Agent for the account of the Issuing Lender in reimbursement of a payment made under the Letter of Credit or interest thereon, each Lender shall, on demand of the Agent, forthwith return to the Agent or the Issuing Lender the amount of its Pro Rata Share of any amounts so returned by the Agent or the Issuing Lender PLUS interest thereon from the date such demand is made to the date such amounts are returned by such Lender to the Agent or the Issuing Lender, at a rate per annum equal to the Federal Funds Rate in effect from time to time. SECTION 3.05 ROLE OF THE ISSUING LENDER. (a) NO RESPONSIBILITY OF ISSUING LENDER. Each Lender and the Borrower agrees that, in paying any drawing under a Letter of Credit, the Issuing Lender shall not have any 35. responsibility to obtain any document (other than any sight draft and certificates expressly required by the Letter of Credit) or to ascertain or inquire as to the validity or accuracy of any such document or the authority of the Person executing or delivering any such document. The Borrower hereby assumes all risks of the acts or omissions of any beneficiary or transferee with respect to its use of any Letter of Credit; PROVIDED, HOWEVER, that this assumption is not intended to, and shall not, preclude the Borrower's pursuing such rights and remedies as it may have against the beneficiary or transferee at law or under any other agreement. No Agent/IB-Related Person, nor any of the respective correspondents, participants or assignees of the Issuing Lender, shall be liable or responsible for any of the matters described in clauses (i) through (vii) of Section 3.06; PROVIDED, HOWEVER, anything in such clauses to the contrary notwithstanding, that the Borrower may have a claim against the Issuing Lender, and the Issuing Lender may be liable to the Borrower, to the extent, but only to the extent, of any direct, as opposed to consequential or exemplary, damages suffered by the Borrower which the Borrower proves were caused by the Issuing Lender's willful misconduct or gross negligence or the Issuing Lender's willful failure to pay under any Letter of Credit after the presentation to it by the beneficiary of a sight draft and certificate(s) strictly complying with the terms and conditions of a Letter of Credit. In furtherance and not in limitation of the foregoing: (i) the Issuing Lender may accept documents that appear on their face to be in order, without responsibility for further investigation, regardless of any notice or information to the contrary; and (ii) the Issuing Lender shall not be responsible for the validity or sufficiency of any instrument transferring or assigning or purporting to transfer or assign a Letter of Credit or the rights or benefits thereunder or proceeds thereof, in whole or in part, which may prove to be invalid or ineffective for any reason. (b) NO LIABILITY OF AGENT/IB-RELATED PERSONS. No Agent/IB-Related Person nor any of the respective correspondents, participants or assignees of the Issuing Lender shall be liable to any Lender for: (i) any action taken or omitted in connection herewith at the request or with the approval of the Lenders (including the Majority Lenders, as applicable); (ii) any action taken or omitted in the absence of gross negligence or willful misconduct; or (iii) the due execution, effectiveness, validity or enforceability of any L/C-Related Document. SECTION 3.06 OBLIGATIONS OF BORROWER ABSOLUTE.The obligations of the Borrower under this Agreement and any L/C-Related Document to reimburse the Issuing Lender for a drawing under a Letter of Credit, and to repay any L/C Unreimbursed Draw and any drawing under a Letter of Credit converted into Revolving Loans, shall be unconditional and irrevocable, and shall be paid strictly in accordance with the terms of this Agreement and each such other L/C-Related Document under all circumstances, including the following: (i) any lack of validity or enforceability of this Agreement or any L/C-Related Document; (ii) any change in the time, manner or place of payment of,or in any other term of, all or any of the obligations of the Borrower in respect of any Letter of Credit or any other amendment or waiver of or any consent to departure from all or any of the L/C-Related Documents; (iii) the existence of any claim, set-off, defense or other right that the Borrower may have at any time against any beneficiary or any transferee of any Letter of Credit (or any 36. Person for whom any such beneficiary or any such transferee may be acting), the Issuing Lender or any other Person, whether in connection with this Agreement, the transactions contemplated hereby or by the L/C-Related Documents or any unrelated transaction; (iv) any draft, demand, certificate or other document presented under any Letter of Credit proving to be forged, fraudulent, invalid or insufficient in any respect or any statement therein being untrue or inaccurate in any respect; (v) any payment by the Issuing Lender under any Letter of Credit against presentation of a draft or certificate that does not strictly comply with the terms of any Letter of Credit; or any payment made by the Issuing Lender under any Letter of Credit to any Person purporting to be a trustee in bankruptcy, debtor-in-possession, assignee for the benefit of creditors, liquidator, receiver or other representative of or successor to any beneficiary or any transferee of any Letter of Credit, including any arising in connection with any bankruptcy, reorganization or other insolvency proceeding; (vi) any exchange, release or non-perfection of any collateral, or any release or amendment or waiver of or consent to departure from any other guarantee, for all or any of the obligations of the Borrower in respect of any Letter of Credit; or (vii) any other circumstance or happening whatsoever, whether or not similar to any of the foregoing, including any other circumstance that might otherwise constitute a defense available to, or a discharge of, the Borrower or a guarantor. SECTION 3.07 CASH COLLATERAL PLEDGE. Upon (i) the request of the Agent, (A) if the Issuing Lender has honored any full or partial drawing request on any Letter of Credit and such drawing has resulted in an L/C Unreimbursed Draw hereunder, or (B) if, as of the Revolving Expiry Date, any Letters of Credit may for any reason remain outstanding and partially or wholly undrawn, or (ii) the occurrence of the circumstances described in Sections 5.03(b) or 11.02 requiring the Borrower to cash collateralize Letters of Credit, the Borrower shall immediately pay over cash in an amount equal to the L/C Obligations to the Collateral Agent for the benefit of the Lenders, to be held by the Collateral Agent as cash collateral subject to the terms of this Section 3.07. Such amount, together with any amount received by the Collateral Agent in respect of outstanding Letters of Credit pursuant to Section 11.02, when received by the Collateral Agent, shall be held by the Collateral Agent as part of the Collateral pursuant to the terms of the Security Agreement as cash collateral for the reimbursement obligations of the Borrower under this Agreement in respect of the L/C Obligations and for the other Obligations. Such cash collateral shall bear interest for the benefit of the Borrower, PROVIDED that all such accrued interest shall be held as additional cash collateral hereunder and under the Security Agreement. All cash collateral shall be held by the Collateral Agent until the release thereof shall be permitted pursuant to the terms of the Security Agreement. SECTION 3.08 LETTER OF CREDIT FEES. (a) CERTAIN LETTER OF CREDIT FEES.The Borrower shall pay (i) to the Agent for the account of each of the Lenders a letter of credit fee with respect to the Letters of Credit equal 37. to the Applicable Fee Amount multiplied by the average daily maximum amount available to be drawn on the outstanding Letters of Credit, and (ii) to the Issuing Lender a letter of credit fronting fee with respect to the Letters of Credit equal to 0.125% per annum of the average daily maximum amount available to be drawn of the outstanding Letters of Credit, computed in each case on a quarterly basis in arrears on the last Business Day of each calendar quarter based upon Letters of Credit outstanding for that quarter as calculated by the Agent. Such letter of credit fees shall be due and payable quarterly in arrears on the last Business Day of each calendar quarter during which Letters of Credit are outstanding, commencing on the first such quarterly date to occur after the Closing Date, through the Revolving Expiry Date (or such later date upon which the outstanding Letters of Credit shall expire), with the final payment to be made on the Revolving Expiry Date (or such expiration date). (b) CERTAIN ADDITIONAL FEES AND CHARGES. The Borrower shall pay to the Issuing Lender from time to time on demand the normal issuance, presentation, amendment and other processing fees, and other standard costs and charges, of the Issuing Lender relating to standby letters of credit as from time to time in effect. (c) FEES NONREFUNDABLE. All fees and charges payable under this Section 3.08 shall be nonrefundable. SECTION 3.09 APPLICABILITY OF ISP98. Unless otherwise expressly agreed by the Issuing Lender and the Borrower when a Letter of Credit is issued and subject to applicable laws, performance under Letters of Credit by the Issuing Lender, its correspondents, and beneficiaries will be governed by the rules of the "International Standby Practices 1998" (ISP98) or such later revision as may be published by the Institute of International Banking Law & Practice on any date any standby Letter of Credit may be issued. ARTICLE IV INTEREST AND FEES; CONVERSION OR CONTINUATION SECTION 4.01 INTEREST. (a) INTEREST RATE. The Borrower shall pay interest on the unpaid principal amount of each Loan from the date of such Loan until such principal amount shall be paid in full, at the following rates: (i) during such periods as such Loan is a Base Rate Loan (other than a Swingline Loan), at a rate per annum equal at all times to the Base Rate plus the Applicable Margin; (ii) during such periods as such Loan is a Eurodollar Rate Loan, at a rate per annum equal at all times during each Interest Period for such Eurodollar Rate Loan to the Eurodollar Rate for such Interest Period plus the Applicable Margin. (iii) during such periods as such Loan is a Swingline Loan, at a rate per annum equal to a quoted rate as shall from time to time be mutually agreed upon by the Borrower and the Swingline Lender. 38. (b) INTEREST PERIODS. The initial and each subsequent Interest Period for the Eurodollar Rate Loans shall be a period of one, two, three or six months, or such other period as requested by the Borrower and acceptable to all the Lenders. The determination of Interest Periods shall be subject to the following provisions: (A) in the case of immediately successive Interest Periods, each successive Interest Period shall commence on the day on which the next preceding Interest Period expires; (B) if any Interest Period would otherwise end on a day which is not a Business Day, that Interest Period shall be extended to the next succeeding Business Day unless the result of such extension would be to carry such Interest Period into another calendar month, in which event such Interest Period shall end on the immediately preceding Business Day; (C) the Borrower may select Interest Periods with respect to Term Loans which commence before and end after a Principal Payment Date only to the extent that the Base Rate Loans to be outstanding on such Principal Payment Date PLUS the Eurodollar Rate Loans with Interest Periods ending on such Principal Payment Date at least equal in principal amount the required principal payment on such Principal Payment Date; (D) no Interest Period shall extend beyond (1) the Revolving Expiry Date with respect to any Revolving Loan, and (2) the Final Maturity Date with respect to any Term Loan; (E) any Interest Period that begins on the last Eurodollar Business Day of a calendar month (or on a day for which there is no numerically corresponding day in the ending calendar month of such Interest Period) shall end on the last Eurodollar Business Day of the ending calendar month of such Interest Period; (F) there shall be no more than five Interest Periods in effect at any one time. (c) INTEREST PAYMENT DATES. Subject to Section 4.02,interest on the Loans shall be payable in arrears at the following times: (i) interest on each Base Rate Loan (other than Swingline Loans) shall be payable quarterly on the last Business Day in each calendar quarter, on the date of any prepayment or conversion of any such Base Rate Loan, and at maturity; (ii) interest on each Eurodollar Rate Loan shall be payable on the last day of each Interest Period for such Eurodollar Rate Loan, PROVIDED that (A) in the case of any such Interest Period which is greater than three months, interest on such Eurodollar Rate Loan shall be payable on each date that is three months, or any integral multiple thereof, after the beginning of such Interest Period, and on the last day of such Interest Period, and (B) if any prepayment, conversion, or continuation is effected other than on the last day of such Interest Period, accrued interest on such Eurodollar Rate Loan shall be due on such prepayment, conversion or continuation date as to the principal amount of such Eurodollar Rate Loan prepaid, converted or continued; and (iii) interest on each Swingline Loan shall be payable monthly on the last Business Day in each calendar month and at maturity. 39. (d) NOTICE TO THE BORROWER AND THE LENDERS. Each determination by the Agent hereunder of a rate of interest and of any change therein, including any changes in (i) the Applicable Margin, (ii) the Base Rate during any periods in which Base Rate Loans shall be outstanding, (iii) the Federal Funds Rate during any periods in which Swingline Loans are outstanding and (iv) the Eurodollar Reserve Percentage (if any) during any periods in which Eurodollar Rate Loans shall be outstanding, in the absence of manifest error shall be conclusive and binding on the parties hereto and shall be promptly notified by the Agent to the Borrower and the Lenders (or to the Swingline Lender, as applicable). Such notice shall set forth in reasonable detail the basis for any such determination or change. The failure of the Agent to give any such notice specified in this subsection shall not affect the Borrower's obligation to pay such interest or fees. SECTION 4.02 DEFAULT RATE OF INTEREST.Notwithstanding Section 4.01, in the event that any amount of principal of or interest on any Loan is not paid in full when due, or any other amount payable hereunder or under the Loan Documents is not paid in full within three (3) Business Days of when due (in each case, whether at stated maturity, by acceleration or otherwise), the Borrower shall pay interest on such unpaid principal, interest or other amount, from the date such amount becomes due until the date such amount is paid in full, and after as well as before any entry of judgment to the extent permitted by law, payable on demand, at a rate per annum equal at all times to the Base Rate PLUS the Applicable Margin PLUS 2%. SECTION 4.03 FEES. (a) COMMITMENT FEE. The Borrower agrees to pay to the Agent for the account of each Lender a commitment fee on the average daily unused portion of such Lender's Revolving Commitment as in effect from time to time from the Closing Date until the Revolving Expiry Date at a rate per annum equal to the Applicable Fee Amount, payable quarterly in arrears on the last Business Day of each calendar quarter in each year, commencing on the first such date after the Closing Date, and on the earlier of the date such Revolving Commitment is terminated hereunder or the Revolving Expiry Date. For purposes of calculation of such unused portion of a Lender's Revolving Commitment, each Lender's Revolving Commitment shall be considered used on any date to the extent of its participation on such date in any Letter of Credit or Swingline Loan and any L/C Advance made by it. (b) UPFRONT FEE. The Borrower agrees to pay to the Agent for the account of each Lender an upfront fee payable on the Closing Date as specified in the Fee Letter. (c) ANNUAL AGENCY FEE. The Borrower agrees to pay to the Agent for its own account on the Closing Date and on each anniversary of the Closing Date such fee for agency services as specified in the Fee Letter. (d) FEES NONREFUNDABLE. All fees payable under this Section 4.03 shall be nonrefundable. SECTION 4.04 COMPUTATIONS. All computations of interest, commitment fees and letter of credit fees hereunder shall be made on the basis of a year of 360 days for the actual number of days occurring in the period for which such fee or interest is payable, which 40. results in more interest being paid than if computed on the basis of a 365-day year. Notwithstanding the foregoing, if any Loan is repaid on the same day on which it is made, such day shall be included in computing interest on such Loan. SECTION 4.05 CONVERSION OR CONTINUATION. (a) ELECTION. The Borrower may elect (i) to convert all or any part of (A) outstanding Base Rate Loans into Eurodollar Rate Loans, or (B) outstanding Eurodollar Rate Loans into Base Rate Loans; or (ii) to continue all or any part of a Loan with one type of interest rate as such; PROVIDED, HOWEVER, that if the aggregate amount of Eurodollar Rate Loans in respect of any Borrowing shall have been reduced, by payment, prepayment, or conversion of part thereof to be less than $1,000,000, such Eurodollar Rate Loans shall automatically convert into Base Rate Loans, and on and after such date the right of the Borrower to continue such Loans as, and convert such Loans into, Eurodollar Rate Loans shall terminate. The continued or converted Base Rate and Eurodollar Rate Loans shall be allocated to the Lenders ratably in accordance with their Pro Rata Shares. Any conversion or continuation of Eurodollar Rate Loans shall be made on the last day of the current Interest Period for such Eurodollar Rate Loans. No outstanding Loan may be converted into or continued as a Eurodollar Rate Loan if any Event of Default has occurred and is continuing. (b) AUTOMATIC CONVERSION. On the last day of any Interest Period for any Eurodollar Rate Loans, such Eurodollar Rate Loans shall, if not repaid, automatically convert into Base Rate Loans unless the Borrower shall have made a timely election to continue such Eurodollar Rate Loans as such for an additional Interest Period or to convert such Eurodollar Rate Loans, in each case as provided in subsection (a) . (c) NOTICE TO THE AGENT. The conversion or continuation of any Loans contemplated by subsection (a) shall be made upon written or telephonic notice (in the latter case to be confirmed promptly in writing) from the Borrower to the Agent, which notice shall be received by the Agent not later than 1:00 p.m. (New York time) on the Required Notice Date. Each such notice (a "Notice of Conversion or Continuation") shall, except as provided in Sections 6.01 and 6.04, be irrevocable and binding on the Borrower, shall refer to this Agreement and shall specify: (i) the proposed date of the conversion or continuation, which shall be a Business Day (or a Eurodollar Business Day, for conversions into or continuations of Eurodollar Rate Loans); (ii) the outstanding Loans (or parts thereof) to be converted into or continued as Base Rate or Eurodollar Rate Loans; (iii) the aggregate amount of the Loans which are the subject of such continuation or conversion, which shall be in a Minimum Amount; (iv) if the conversion or continuation consists of any Eurodollar Rate Loans, the duration of the Interest Period with respect thereto; and (v) that no Event of Default exists hereunder. (d) NOTICE TO THE LENDERS. The Agent shall give each Lender prompt notice by telephone (confirmed promptly in writing) or by facsimile of (i) the proposed conversion or continuation of any Loans, specifying the information contained in the Borrower's Notice and such Lender's Pro Rata Share thereof or (ii), if timely notice was not received from the Borrower, the details of any automatic conversion under subsection 4.05(b). 41. SECTION 4.06 HIGHEST LAWFUL RATE. Anything herein to the contrary notwithstanding, if during any period for which interest is computed hereunder, the applicable interest rate, together with all fees, charges and other payments which are treated as interest under applicable law, as provided for herein or in any other Loan Document, would exceed the maximum rate of interest which may be charged, contracted for, reserved, received or collected by any Lender in connection with this Agreement under applicable law (the "Maximum Rate"), the Borrower shall not be obligated to pay, and such Lender shall not be entitled to charge, collect, receive, reserve or take, interest in excess of the Maximum Rate, and during any such period the interest payable hereunder shall be limited to the Maximum Rate. ARTICLE V REDUCTION OF COMMITMENTS; REPAYMENT; PREPAYMENT SECTION 5.01 REDUCTION OR TERMINATION OF THE COMMITMENTS. (a) OPTIONAL REDUCTION OR TERMINATION. The Borrower may, upon prior notice to the Agent as provided herein, terminate in whole or reduce ratably in part, as of the date specified by the Borrower in such notice, any then unused portion of the Revolving Commitments (including the L/C Commitment); PROVIDED, HOWEVER, that each partial reduction shall be in a Minimum Amount; and PROVIDED FURTHER, HOWEVER, that no such reduction or termination shall be permitted if the Effective Amount of Revolving Loans, Swingline Loans and L/C Obligations would exceed the amount of the aggregate Revolving Commitments thereafter in effect; and PROVIDED FURTHER, HOWEVER, that once reduced in accordance with this Section 5.01, the Revolving Commitment of any Lender may not be increased. The amount of any such Revolving Commitment reductions shall not be applied to the L/C Commitment unless otherwise specified by the Borrower or unless the Revolving Commitments as so reduced would be less than the L/C Commitment. All accrued commitment fees to, but not including, the effective date of any termination of the Revolving Commitments shall be payable on the effective date of such termination. (b) MANDATORY TERMINATION. (i) If on the Closing Date the Term Commitments of the Lenders shall exceed the aggregate outstanding principal amount of the Term Loans, such unused portion of the Term Commitments shall terminate on the Closing Date. The parties agree and acknowledge that the termination of the Term Commitments shall not affect the operation of subsection 2.01(d). (ii) The Revolving Commitments shall terminate on the Revolving Expiry Date. (c) OTHER MANDATORY REDUCTIONS. (i) Upon the making of any mandatory prepayment under clause (ii), (iii) or (iv) of Section 5.03(b) on or prior to the Revolving Expiry Date, the Revolving Commitment of each Lender shall automatically reduce by an amount equal to such Lender's Pro Rata Share of the aggregate amount of principal of Revolving Loans, Swingline Loans and L/C Advances 42. prepaid and Letters of Credit cash collateralized, effective as of the date of receipt by the Borrower or its Subsidiary of the Net Proceeds or Net Issuance Proceeds, as the case may be, arising from the applicable disposition of assets, incurrence of debt for borrowed money or Event of Loss. (ii) If prior to the Revolving Expiry Date the amount required to be paid on account of the Revolving Loans, Swingline Loans or L/C Advances, or applied to cash collateralize the Letters of Credit, pursuant to clause (ii), (iii) or (iv) of Section 5.03(b) shall exceed the outstanding principal amount of the Revolving Loans, Swingline Loans and L/C Advances or the amount of the L/C Obligations then outstanding, such automatic reduction shall nonetheless occur and shall be determined on the basis of the amount of Revolving Loans, Swingline Loans and L/C Advances that would be required to be prepaid and Letters of Credit that would be required to be cash collateralized assuming the Revolving Commitments were fully utilized. (d) NOTICE. The Agent shall give each Lender prompt notice of any termination or reduction of its Revolving Commitment under this Section 5.01. (e) ADJUSTMENT OF COMMITMENT FEE; NO REINSTATEMENT. >From the effective date of any reduction or termination prior to the Revolving Expiry Date, the commitment fee payable under Section 4.03(a) shall be computed on the basis of the Revolving Commitments as so reduced or terminated. Once reduced or terminated, the Revolving Commitments may not be increased or otherwise reinstated. SECTION 5.02 REPAYMENT OF THE LOANS. (a) REVOLVING LOANS. The Borrower shall repay to the Lenders in full on the Revolving Expiry Date the aggregate principal amount of the Revolving Loans outstanding on such date. (b) TERM LOANS. The Borrower shall repay to the Lenders the aggregate principal amount of the Term Loans in substantially equal consecutive quarterly installments, commencing June 30, 2003, with subsequent installments payable on the last day of each calendar quarter thereafter, to and including the Final Maturity Date; PROVIDED, HOWEVER, that the last such installment shall be in the amount necessary to repay in full the aggregate unpaid principal amount of the Term Loans. (c) SWINGLINE LOANS. The Borrower shall repay to the Swingline Lender on each date as shall from time to time be mutually agreed upon by the Swingline Lender and the Borrower the aggregate principal amount of the Swingline Loans outstanding on such date; PROVIDED, HOWEVER, the aggregate principal amount of the Swingline Loans outstanding on the Revolving Expiry Date shall be due and payable on such date. SECTION 5.03 PREPAYMENTS. (a) OPTIONAL PREPAYMENTS. Subject to Section 6.02, the Borrower may, upon prior notice to the Agent not later than the Required Notice Date, prepay the outstanding amount 43. of the Loans in whole or ratably in part, without premium or penalty. Partial prepayments shall be in Minimum Amounts. (b) MANDATORY PREPAYMENTS. (i) Subject to Section 6.02, if on any date the Effective Amount of all Revolving Loans PLUS the Effective Amount of all Swingline Loans PLUS the Effective Amount of all L/C Obligations shall exceed the lesser of (A) the aggregate Revolving Commitments then in effect and (B) the Borrowing Base then in effect, the Borrower shall immediately, and without notice or demand, prepay the outstanding principal amount of the Revolving Loans, L/C Advances and Swingline Loans and/or cash collateralize the Letters of Credit by an amount equal to the applicable excess. Additionally, if on any date the aggregate outstanding amount of L/C Obligations shall exceed the L/C Commitment, the Borrower shall cash collateralize on such date the outstanding Letters of Credit in an amount equal to the excess of the maximum amount then available to be drawn under the Letters of Credit over the L/C Commitment. (ii) Upon the sale, transfer or other disposition of any assets (or group of related assets), other than the Specified Assets, by the Borrower or any Subsidiary under subsection 10.04(e)(iii) (to the extent the Net Proceeds from the sale, transfer or other disposition of worn out or obsolete assets are not promptly applied to replace such assets) or 10.04(e)(vi), the Borrower shall, within one Business Day of the Borrower's or such Subsidiary's receipt of the proceeds thereof, prepay the outstanding principal amount of the Loans, in an amount equal to 100% of the Net Proceeds therefrom by depositing such amount with the Collateral Agent for application by the Collateral Agent under and pursuant to Section 6.10 of the Intercreditor Agreement to the Secured Obligations; PROVIDED, HOWEVER, that in the case of prepayments of any Revolving Loans, Swingline Loans and L/C Advances, the required prepayment shall be in an amount equal to the excess, if any (after giving effect to the related mandatory Commitment reduction under Section 5.01(c)), of the Effective Amount of the Revolving Loans, Swingline Loans and L/C Obligations over the aggregate RevolvingCommittments. If on the date of the foregoing required prepayment the amount of any such required prepayment (after giving effect to the related mandatory Commitment reduction under Section 5.01(c)) shall exceed the outstanding principal amount of the Loans and there shall be any Letters of Credit outstanding, then the Borrower shall apply such funds to cash collateralize any such outstanding Letters of Credit. (iii) Upon the incurrence of Indebtedness for borrowed money other than Subordinated Debt by the Borrower or any Subsidiary, the Borrower shall, within one Business Day of the Borrower's or such Subsidiary's receipt of the proceeds thereof, prepay the outstanding principal amount of the Loans in an amount equal to 100% of the Net Issuance Proceeds therefrom by depositing such amount with the Collateral Agent for application by the Collateral Agent under and pursuant to Section 6.10 of the Intercreditor Agreement to the Secured Obligations; PROVIDED that in the case of prepayments of any Revolving Loans, Swingline Loans and L/C Advances, the required prepayment shall be in an amount equal to the excess (after giving effect to the related 44. mandatory Commitment reduction under Section 5.01(c)) of the Effective Amount of the Revolving Loans, Swingline Loans and L/C Obligations over the aggregate Revolving Commitments. If on the date of the foregoing required prepayment the amount of any such required prepayment (after giving effect to the related mandatory Commitment reduction under Section 5.01(c)) shall exceed the outstanding principal amount of the Loans and there shall be any Letters of Credit outstanding, then the Borrower shall apply such funds to cash collateralize any such outstanding Letters of Credit. (iv) If any Event of Loss shall occur with respect to any assets of the Borrower or any Subsidiary, the Borrower shall prepay the outstanding principal amount of the Loans in an amount equal to the Net Proceeds (after giving effect to repair or replacement as provided in the definition of "Net Proceeds") therefrom by depositing such amount with the Collateral Agent for application by the Collateral Agent under and pursuant to Section 6.10 of the Intercreditor Agreement to the Secured Obligations, PROVIDED, HOWEVER, that, (A) such prepayment shall not be required if such amount is less than $1,500,000 and (B) in the case of prepayments of any Revolving Loans, Swingline Loans and L/C Advances, the required prepayment (subject to sub-clause (A) of this proviso) shall be in an amount equal to the excess (after giving effect to the related mandatory Commitment reduction under Section 5.01(c)) of the Effective Amount of the Revolving Loans, Swingline Loans and L/C Obligations over the aggregate Revolving Commitments. If on the date of the foregoing required prepayment the amount of any such required prepayment (after giving effect to the related mandatory Commitment reduction under Section 5.01(c)) shall exceed the outstanding principal amount of the Loans and there shall be any Letters of Credit outstanding, then the Borrower shall apply such funds to cash collateralize any such outstanding Letters of Credit. (v) If the appraised fair market value of the Hewitt Ranch Property set forth in the Hewitt Appraisal shall be less than $11,600,000, the Borrower shall prepay the outstanding principal amount of the Loans in an amount equal to 70% of the difference between (A) $11,600,000 MINUS (B) the appraised fair market value of the Hewitt Ranch Property set forth in the Hewitt Appraisal. (c) ORDER OF APPLICATION. (i) Any prepayments pursuant to clause (i) of subsection 5.03(b) above shall be applied, first, to any Swingline Loans then outstanding, second, to any L/C Advances then outstanding, third, to any Revolving Loans then outstanding and, fourth, to cash collateralize any L/C Obligations then outstanding; (ii) Any prepayments pursuant to clauses (ii), (iii),(iv) and (v) of subsection 5.03(b) above shall be applied, first, to any Term Loans then outstanding, second, to any Swingline Loans then outstanding, third, to any L/C Advances then outstanding, fourth, to any Revolving Loans then outstanding and, fifth, to cash collateralize any L/C Obligations then outstanding; PROVIDED, HOWEVER, that to the extent the Net Proceeds to be applied to prepay the Loans pursuant to clauses (ii) and (iv) of subsection 5.03(b) above arise as a result of the sale, transfer or other disposition of Inventory or as a result of an Event of Loss with respect to Inventory, then such Net Proceeds shall be applied, first, to any Swingline Loans then outstanding, second, to any L/C Advances then outstanding, third, to any Revolving Loans then outstanding, fourth, to cash collateralize any L/C Obligations then outstanding and, fifth, to any Term Loans then outstanding. 45. (iii) Subject to clauses (i) and (ii) of this subsection 5.03(c), any prepayments pursuant to subsection 5.03(b) above shall be applied, first, to any Base Rate Loans then outstanding and, second, to Eurodollar Rate Loans with the shortest Interest Periods remaining; PROVIDED, HOWEVER, that if the amount of Base Rate Loans then outstanding is not sufficient to satisfy the entire prepayment requirement, the Borrower may, at its option so long as no Default or Event of Default has occurred and is continuing, place any amounts which it would otherwise be required to use to prepay Eurodollar Rate Loans on a day other than the last day of the Interest Period therefor in an interest-bearing account pledged to the Collateral Agent for the benefit of the Lenders under the Security Agreement until the end of such Interest Period, at which time such pledged amounts will be applied to prepay such Eurodollar Rate Loans. The Borrower shall pay, together with each prepayment under subsections 5.03(a) or 5.03(b), accrued interest on the amount of any Loans prepaid and any amounts required pursuant to Section 6.02. Any voluntary prepayments of Term Loans pursuant to subsection 5.03(a) shall be applied pro rata across each remaining installment of principal. Any mandatory prepayments of Term Loans pursuant to subsection 5.03(b) shall be applied to the remaining principal installments in inverse order of maturity. (d) NOTICE; APPLICATION. The notice given of any prepayment (a "Notice of Prepayment") shall specify the date and amount of the prepayment and whether the prepayment is of Base Rate Loans, Eurodollar Rate Loans or Swingline Loans or a combination thereof, and if of a combination thereof the amount of the prepayment allocable to each. Such Notice of Prepayment shall also specify whether the prepayment is of L/C Advances, Revolving Loans, Term Loans, Swingline Loans or a combination thereof. Upon receipt of the Notice of Prepayment of L/C Advances, Revolving Loans or Term Loans, the Agent shall promptly notify each Lender thereof. Upon receipt of the Notice of Prepayment of Swingline Loans, the Agent shall promptly notify the Swingline Lender thereof. If a Notice of Prepayment is given, the Borrower shall make such prepayment and the prepayment amount specified in such Notice shall be due and payable on the date specified therein, with accrued interest to such date on the amount prepaid. ARTICLE VI YIELD PROTECTION AND ILLEGALITY SECTION 6.01 INABILITY TO DETERMINE RATES. If the Agent shall determine that adequate and reasonable means do not exist to ascertain the Eurodollar Rate, or the Majority Lenders shall determine that the Eurodollar Rate does not accurately reflect the cost to the Lenders of making or maintaining Eurodollar Rate Loans, then the Agent shall give telephonic notice (promptly confirmed in writing) to the Borrower and each Lender of such determination. Such notice shall specify the basis for such determination and shall, in the absence of manifest error, be conclusive and binding for all purposes. Thereafter, the obligation of the Lenders to make or maintain Eurodollar Rate Loans hereunder shall be suspended until the Agent (upon the instructions of the Majority Lenders) revokes such notice. Upon receipt of such notice, the Borrower may revoke any Notice then submitted by it. If the Borrower does not revoke such Notice, the Lenders shall make, convert or continue Loans, as proposed by the Borrower, in the amount specified in the Notice submitted by the Borrower, but such Loans shall be made, converted or continued as Base Rate Loans instead of Eurodollar Rate Loans. 46. SECTION 6.02 FUNDING LOSSES. In addition to such amounts as are required to be paid by the Borrower pursuant to Section 6.03, the Borrower shall compensate each Lender, promptly upon receipt of such Lender's written request made to the Borrower (with a copy to the Agent), for all losses, costs and expenses (including any loss or expense incurred by such Lender in obtaining, liquidating or re-employing deposits or other funds to fund or maintain its Eurodollar Rate Loans), if any, which such Lender sustains: (i) if the Borrower repays, converts or prepays any Eurodollar Rate Loan on a date other than the last day of an Interest Period for such Eurodollar Rate Loan (whether as a result of an optional prepayment, mandatory prepayment, a payment as a result of acceleration or otherwise); (ii) if the Borrower fails to borrow a Eurodollar Rate Loan after giving its Notice (other than as a result of the operation of Section 6.01 or 6.04); (iii) if the Borrower fails to convert into or continue a Eurodollar Rate Loan after giving its Notice (other than as a result of the operation of Section 6.01 or 6.04); or (iv) if the Borrower fails to prepay a Eurodollar Rate Loan after giving its Notice. Any such request for compensation shall set forth the basis for requesting such compensation in reasonable detail and shall, in the absence of manifest error, be conclusive and binding for all purposes. SECTION 6.03 REGULATORY CHANGES. (a) INCREASED COSTS. If after the date hereof, the adoption of, or any change in, any applicable law, rule or regulation, or any change therein, or any change in the interpretation or administration thereof by any Governmental Authority charged with the interpretation or administration thereof (a "Regulatory Change"), or compliance by any Lender (or its Lending Office) with any request, guideline or directive (whether or not having the force of law) of any Governmental Authority, shall impose, modify or deem applicable any reserve, special deposit or similar requirement (including any such requirement imposed by the FRB, but excluding with respect to any Eurodollar Rate Loan any such requirement included in the calculation of the Eurodollar Rate) against assets of, deposits with or for the account of, or credit extended by, any Lender's Lending Office or shall impose on any Lender (or its Lending Office) or on the interbank eurodollar market any other condition affecting any Lender's Eurodollar Rate Loans or its obligation to make Eurodollar Rate Loans or its other obligations hereunder, and the result of any of the foregoing is to increase the cost to such Lender (or its Lending Office) of agreeing to make or making, funding or maintaining any Loan or participating in any L/C Obligations, or increase the cost to the Issuing Lender of agreeing to issue or issuing or maintaining any Letter of Credit or of agreeing to make or making, funding or maintaining any unpaid drawing under any Letter of Credit, or to reduce the amount of any sum received or receivable by such Lender (or its Lending Office) or the Issuing Lender under this Agreement with respect thereto, by an amount deemed by such Lender to be material, then from time to time, within 15 days after demand by such Lender (with a copy to the Agent), the Borrower shall pay to such Lender such additional amounts as shall compensate such Lender for such increased cost or reduction. (b) CAPITAL REQUIREMENTS.If any Lender shall have determined that any Regulatory Change regarding capital adequacy, or compliance by such Lender (or any corporation controlling such Lender) with any request, guideline or directive regarding capital adequacy (whether or not having the force of law) of any Governmental Authority issued or taking effect after the Closing Date, has or shall have the effect of reducing the rate of return on such Lender's, the Issuing Lender's or such corporation's capital as a consequence of such 47. Lender's obligations hereunder to a level below that which such Lender, the Issuing Lender or such corporation would have achieved but for such adoption, change or compliance (taking into consideration such Lender's, the Issuing Lender's or corporation's policies with respect to capital adequacy), by an amount deemed by such Lender to be material, then from time to time, within 15 days after demand by such Lender (with a copy to the Agent), the Borrower shall pay to such Lender such additional amounts as shall compensate such Lender for such reduction. (c) REQUESTS. Any such request for compensation by a Lender under this Section 6.03 shall set forth the basis of calculation thereof and shall, in the absence of manifest error, be conclusive and binding for all purposes. SECTION 6.04 ILLEGALITY.If any Lender shall determine that it has become unlawful, as a result of any Regulatory Change, for such Lender to make, convert into or maintain Eurodollar Rate Loans as contemplated by this Agreement, such Lender shall promptly give notice of such determination to the Borrower (through the Agent), and (i) the obligation of such Lender to make or convert into Eurodollar Rate Loans, as the case may be, shall be suspended until such Lender gives notice that the circumstances causing such suspension no longer exist; and (ii) each of such Lender's outstanding Eurodollar Rate Loans, as the case may be, shall, if requested by such Lender, be converted into a Base Rate Loan not later than upon expiration of the Interest Period related to such Eurodollar Rate Loan, or, if earlier, on such date as may be required by the applicable Regulatory Change, as shall be specified in such request. Any such determination shall, in the absence of manifest error, be conclusive and binding for all purposes. SECTION 6.05 FUNDING ASSUMPTIONS. Solely for purposes of calculating amounts payable by the Borrower to the Lenders under this Article VI, each Eurodollar Rate Loan made by a Lender (and any related reserve, special deposit or similar requirement) shall be conclusively deemed to have been funded at the Interbank Rate used in determining the Eurodollar Rate for such Eurodollar Rate Loan by a matching deposit or other borrowing in the interbank eurodollar market for a comparable amount and for a comparable period, whether or not such Eurodollar Rate Loan is in fact so funded. SECTION 6.06 OBLIGATION TO MITIGATE. Each Lender agrees that as promptly as practicable after it becomes aware of the occurrence of an event that would entitle it to give notice pursuant to Section 6.03(a) or 6.04, and in any event if so requested by the Borrower, each Lender shall use reasonable efforts to make, fund or maintain its affected Eurodollar Rate Loans through another Lending Office if as a result thereof the increased costs would be avoided or materially reduced or the illegality would thereby cease to exist and if, in the reasonable opinion of such Lender, the making, funding or maintaining of such Eurodollar Rate Loans through such other Lending Office would not in any material respect be disadvantageous to such Lender or contrary in any material respect to such Lender's normal banking practices. SECTION 6.07 SUBSTITUTION OF LENDERS. Without limiting the Borrower's obligations under Sections 6.03 and 7.03, upon the receipt by the Borrower from any Lender (an "Affected Lender") of a request for compensation under Section 6.03 or under Section 7.03, the Borrower may (i) request one or more of the other Lenders to acquire and assume all or part of 48. such Affected Lender's Loans and Commitment; or (ii) designate a replacement commercial bank (which shall be an Eligible Assignee) satisfactory to the Borrower to acquire and assume all or a ratable part of such Affected Lender's Loans and Commitment (a "Replacement Lender"); PROVIDED, HOWEVER, that the Borrower shall be liable for the payment upon demand of all costs and other amounts arising under Section 6.02 that result from the acquisition of any Affected Lender's Loan and/or Commitment (or any portion thereof) by a Lender or Replacement Lender, as the case may be, on a date other than the last day of the applicable Interest Period with respect to any Eurodollar Rate Loan then outstanding. Any such designation of a Replacement Lender under clause (ii) shall be effected in accordance with, and subject to the terms and conditions of, the assignment provisions contained in Section 13.09, and shall in any event be subject to the prior written consent of the Agent (which consent shall not be unreasonably withheld). ARTICLE VII PAYMENTS SECTION 7.01 PRO RATA TREATMENT. Except as otherwise provided in this Agreement, each Borrowing hereunder, each Commitment reduction, each payment (including each prepayment) by the Borrower on account of the principal, interest, drawings under Letters of Credit, fees and other amounts required hereunder shall be made without set-off or counterclaim and, except as otherwise expressly provided with respect to drawings under Letters of Credit, shall be made ratably in accordance with the Pro Rata Shares. Each conversion or continuation of Loans shall also be made ratably in accordance with the respective Pro Rata Shares of the Lenders. Notwithstanding the foregoing, if one or more Lenders elects in its sole discretion not to make an additional Term Loan pursuant to subsection 2.01(d), then any Borrowing of additional Term Loans pursuant to subsection 2.01(d) shall be made ratably in accordance with the relative Pro Rata Shares of the Lenders electing in their sole discretion to make such additional Term Loans. SECTION 7.02 PAYMENTS. (a) PAYMENTS. The Borrower shall make each payment under the Loan Documents, unconditionally in full without set-off, counterclaim or other defense, not later than 3:00 p.m. (New York time) on the day when due to the Agent in Dollars and in same day or immediately available funds, to the Agent's Account. The Agent shall promptly thereafter distribute like funds relating to the payment on account of principal, interest, drawings under Letters of Credit, commitment fee or any other amounts payable to the Lenders or to the Issuing Lender, as the case may be, ratably (except as a result of the operation of Article V) to the Lenders in accordance with their Pro Rata Shares, or to the Issuing Lender, as the case may be. (b) APPLICATION. Unless the Agent shall receive a timely election by the Borrower with respect to the application of any principal payments or as otherwise provided herein, each payment of principal by the Borrower shall be applied (A) first, to the Base Rate Loans then outstanding, and (B) second, to the Eurodollar Rate Loans then outstanding (in such manner as the Agent shall determine in its sole discretion). (c) EXTENSION.Whenever any payment hereunder shall be stated to be due, or whenever any Interest Payment Date or any other date specified hereunder would otherwise 49. occur, on a day other than a Business Day, then, except as otherwise provided herein, such payment shall be made, and such Interest Payment Date or other date shall occur, on the next succeeding Business Day, and such extension of time shall in such case be included in the computation of payment of interest, commitment fee or letter of credit fee hereunder. SECTION 7.03 TAXES. (a) NO REDUCTION OF PAYMENTS. The Borrower shall pay all amounts of principal, interest, fees and other amounts due under the Loan Documents free and clear of, and without reduction for or on account of, any present and future taxes, levies, imposts, duties, fees, assessments, charges, deductions or withholdings and all liabilities with respect thereto excluding, in the case of each Lender and the Agent, income and franchise taxes imposed on it by the jurisdiction under the laws of which such Lender or the Agent is organized or in which its principal executive offices may be located or any political subdivision or taxing authority thereof or therein, and by the jurisdiction of such Lender's Lending Office and any political subdivision or taxing authority thereof or therein (all such nonexcluded taxes, levies, imposts, duties, fees, assessments, charges, deductions, withholdings and liabilities being hereinafter referred to as "Taxes"). If any Taxes shall be required by law to be deducted or withheld from any payment, the Borrower shall increase the amount paid so that the respective Lender or the Agent receives when due (and is entitled to retain), after deduction or withholding for or on account of such Taxes (including deductions or withholdings applicable to additional sums payable under this Section 7.03), the full amount of the payment provided for in the Loan Documents. (b) DEDUCTION OR WITHHOLDING; TAX RECEIPTS. If the Borrower makes any payment hereunder in respect of which it is required by law to make any deduction or withholding, it shall pay the full amount to be deducted or withheld to the relevant taxation or other authority within the time allowed for such payment under applicable law and promptly thereafter shall furnish to the Agent (for itself or for redelivery to the Lender to or for the account of which such payment was made) an original or certified copy of a receipt evidencing payment thereof, together with such other information and documents as the Agent or any Lender (through the Agent) may reasonably request. (c) INDEMNITY. If any Lender or the Agent is required by law to make any payment on account of Taxes, or any liability in respect of any Tax is imposed, levied or assessed against any Lender or the Agent, the Borrower shall indemnify the Agent and the Lenders for and against such payment or liability, together with any incremental taxes, interest or penalties, and all costs and expenses, payable or incurred in connection therewith, including Taxes imposed on amounts payable under this Section 7.03, whether or not such payment or liability was correctly or legally asserted. A certificate of the Agent or any Lender as to the amount of any such payment shall, in the absence of manifest error, be conclusive and binding for all purposes. (d) FORMS. Each Lender that is incorporated under the laws of any jurisdiction outside the United States agrees to deliver to the Agent and the Borrower on or prior to the Closing Date, and in a timely fashion thereafter, IRS Form W-8BEN, IRS Form W-8ECI or such other documents and forms of the IRS, duly executed and completed by such Lender, as 50. are required under United States law to establish such Lender's status for United States withholding tax purposes. (e) MITIGATION. Each Lender agrees that as promptly as practicable after it becomes aware of the occurrence of an event that would cause the Borrower to make any payment in respect of Taxes to such Lender or a payment in indemnification with respect to any Taxes, and in any event if so requested by the Borrower following such occurrence, such Lender shall promptly notify the Borrower in writing and use reasonable efforts to make, fund or maintain its affected Loan (or relevant part thereof) through another Lending Office if as a result thereof the additional amounts so payable by the Borrower would be avoided or materially reduced and if, in the reasonable opinion of such Lender, the making, funding or maintaining of such Loan (or relevant part thereof) through such other Lending Office would not in any material respect be disadvantageous to such Lender or contrary to such Lender's normal banking practices. Upon receipt by the Borrower from any Lender of such notice, Borrower may request a Replacement Lender pursuant to Section 6.07. (f) SPECIFIED SWAP CONTRACTS. Nothing contained in this Section 7.03 shall override any term or provision of any Specified Swap Contract regarding withholding taxes relating to Rate Contracts. SECTION 7.04 NON-RECEIPT OF FUNDS.Unless the Agent shall have received notice from the Borrower prior to the date on which any payment is due to any of the Lenders hereunder that the Borrower shall not make such payment in full, the Agent may assume that the Borrower has made such payment in full to the Agent on such date and the Agent may, in reliance upon such assumption, cause to be distributed to each Lender on such due date an amount equal to the amount then due such Lender. If and to the extent the Borrower shall not have so made such payment in full to the Agent, each Lender shall repay to the Agent forthwith on demand such amount distributed to such Lender together with interest thereon, for each day from the date such amount is distributed to such Lender until the date such Lender repays such amount to the Agent, at the Federal Funds Rate. SECTION 7.05 SHARING OF PAYMENTS. If any Lender shall obtain any payment (whether voluntary, involuntary, through the exercise of any right of set-off, or otherwise) on account of the Loans made by it (other than pursuant to a provision hereof providing for non-pro rata treatment) in excess of its Pro Rata Share of payments on account of the Loans obtained by all the Lenders, such Lender shall forthwith advise the Agent of the receipt of such payment, and within five Business Days of such receipt purchase from the other Lenders (through the Agent), without recourse, such participations in the Loans made by them as shall be necessary to cause such purchasing Lender to share the excess payment ratably with each of them in accordance with the respective Pro Rata Shares of the Lenders; PROVIDED, HOWEVER, that if all or any portion of such excess payment is thereafter recovered by or on behalf of the Borrower from such purchasing Lender, the purchase shall be rescinded and the purchase price restored to the extent of such recovery, but without interest. The Borrower agrees that any Lender so purchasing a participation from another Lender pursuant to this Section 7.05 may exercise all its rights of payment (including the right of set-off) with respect to such participation as fully as if such Lender were the direct creditor of the Borrower in the amount of such participation. No documentation other than notices and the like referred to in this Section 7.05 51. shall be required to implement the terms of this Section 7.05. The Agent shall keep records (which shall be conclusive and binding in the absence of manifest error) of participations purchased pursuant to this Section 7.05 and shall in each case notify the Lenders following any such purchases. ARTICLE VIII CONDITIONS PRECEDENT SECTION 8.01 CONDITIONS PRECEDENT TO THE INITIAL CREDIT EXTENSIONS. The obligation of each Lender to make its initial Credit Extension shall be subject to the satisfaction of each of the following conditions precedent on or before the Closing Date: (a) FEES AND EXPENSES. The Borrower shall have paid (i) all fees then due in accordance with Section 4.03 and (ii) all invoiced costs and expenses then due in accordance with Section 13.04(a). (b) LOAN DOCUMENTS. The Agent shall have received the following Loan Documents: (i) the Notes, executed by the Borrower; (ii) (in sufficient copies for each of the Lenders and the Borrower) counterparts of this Agreement, (iii) the Collateral Documents, the Guaranties, the Environmental Indemnity and the Intercreditor and Collateral Agency Agreement, executed by each of the respective parties thereto. (c) DOCUMENTS AND ACTIONS RELATING TO COLLATERAL. The Agent shall have received the following, in form and substance satisfactory to it and the Lenders: (i) evidence that all filings, registrations and recordings have been made in the appropriate governmental offices, and all other action has been taken, which shall be necessary to create, in favor of the Collateral Agent on behalf of the Lenders, a perfected first priority Lien on the Collateral (subject to Permitted Liens), including evidence of recordation of the Deeds of Trust (which may consist of a written or telephonic confirmation from the title insurance company), and filing of completed UCC-1 financing statements, in each case in the appropriate governmental offices; (ii) the results, dated as of a recent date prior to the Closing Date, of searches conducted (A) in the UCC filing records in each of the governmental offices in each jurisdiction in which personal property and fixture Collateral is located, and (B) of the records maintained by the U.S. Patent and Trademark Office and Copyright Office with respect to all United States patents and patent applications and all United States registered trademarks and United States registered copyrights constituting Collateral, which shall have revealed no Liens with respect to any of the Collateral except Permitted Liens; (iii) a title insurance policy (or a binding commitment therefor) for the Deeds of Trust (A) issued by a title insurance company of recognized standing satisfactory to the Agent, (B) in an amount and form satisfactory to the Agent, (C) naming the Collateral Agent, for the ratable benefit of the Lenders and the Senior Noteholders, as the insured thereunder, (D) insuring that the Deeds of Trust insured thereby create a valid first priority Lien on the property covered by each such Deed of Trust, subject to no other Liens, other than Permitted Liens, and to no 52. other exceptions, other than those satisfactory to the Agent, and (E) containing such endorsements and affirmative coverage as the Agent or any Lender (through the Agent) may reasonably request; and (iv) such appraisals, collateral audits, consents of landlords, estoppels from landlords, tenant subordination agreements and other documents and instruments in connection with the Deeds of Trust as shall reasonably be deemed necessary by the Agent or any Lender. (d) ADDITIONAL CLOSING DOCUMENTS AND ACTIONS.The Agent shall have received the following, in form and substance satisfactory to it and the Lenders: (i) confirmation that: (i) all amounts due under the Existing Credit Facility shall have been paid in full concurrently with the initial Credit Extension hereunder and (ii) the Existing Credit Facility shall terminate on the Closing Date (subject to subsection 13.04(d)); (ii) evidence of completion to the satisfaction of the Agent and the Lenders of such investigations, reviews and audits with respect to the Borrower and the Guarantors and their respective operations as the Agent or any Lender may deem appropriate; (iii) evidence that all insurance required under this Agreement and the Collateral Documents is in full force and effect, together with copies of all policies of such insurance and all endorsements thereto required under this Agreement and the Collateral Documents; (iv) an environmental site assessment or other environmental review report and opinion with respect to each Premises subject to the Lien of a Deed of Trust, dated as of a recent date prior to the Closing Date, prepared by a qualified environmental consulting firm acceptable to the Agent; (v) evidence that all (A) authorizations or approvals of any Governmental Authority and (B) approvals or consents of any other Person, required in connection with the execution, delivery and performance of the Loan Documents shall have been obtained; (vi) (in sufficient copies for the Lenders) the audited consolidated balance sheet of the Borrower and its Subsidiaries as at December 31, 2001, and the related consolidated statements of income, shareholders' equity and cash flows for the fiscal year then ended; (vii) a completed Borrowing Base Certificate as of the end of the immediately preceding fiscal month, together with the related collateral reports, also as of such date, specified in Section 10.01(a)(vii); (viii)a completed Compliance Certificate, dated the Closing Date, demonstrating the Borrower's compliance with the financial covenants set forth in Section 10.02 as of the end of the immediately preceding fiscal quarter, measured on a pro forma basis after giving effect to the Borrowings to be made hereunder on the Closing Date; (vii) a certificate of a Responsible Officer of the Borrower, dated the Closing Date, stating that (A) the representations and warranties contained in Section 9.01 and in the 53. other Loan Documents are true and correct on and as of the date of such certificate as though made on and as of such date and (B) on and as of the Closing Date, no Default shall have occurred and be continuing or shall result from the initial Credit Extension; (viii)a certificate of a Responsible Officer of each Guarantor, dated the Closing Date, stating that the representations and warranties contained in Section 9 of the Guaranty and in the other Guarantor Documents are true and correct on and as of the date of such certificate as though made on and as of such date; (e) CORPORATE DOCUMENTS. The Agent shall have received the following, in form and substance satisfactory to it: (i) certified copies of the Organization Documents of the Borrower, together with certificates as to good standing, from the Secretary of State or other Governmental Authority, as applicable, of the Borrower's state of incorporation and certificates from the Secretary of State or other Governmental Authority, as applicable, of the State of Washington as to the Borrower's status as a foreign corporation and tax status, each dated as of a recent date prior to the Closing Date; (ii) a certificate of the Secretary or Assistant Secretary of the Borrower, dated the Closing Date, certifying (A) the resolutions of the Board of Directors of the Borrower authorizing the execution, delivery and performance of the Loan Documents and (B) the incumbency, authority and signatures of each officer of the Borrower authorized to execute and deliver the Loan Documents and act with respect thereto, upon which certificate the Agent and the Lenders may conclusively rely until the Agent shall have received a further certificate of the Secretary or an Assistant Secretary of the Borrower canceling or amending such prior certificate; (iii) certified copies of the Organization Documents of each Guarantor, together with certificates as to good standing, from the Secretary of State or other Governmental Authority, as applicable, of the Guarantor's state of incorporation and certificates from the Secretary of State or other Governmental Authority as applicable, of California and Washington, as the case may be, as to the Guarantor's status as a foreign corporation and tax status, each dated as of a recent date prior to the Closing Date; (iv) a certificate of the Secretary or Assistant Secretary of each Guarantor, dated the Closing Date, certifying (A) the resolutions of the Board of Directors or other governing body of the Guarantor authorizing the execution, delivery and performance of the Guarantor Documents and (B) the incumbency, authority and signatures of each officer of the Guarantor authorized to execute and deliver the Guarantor Documents and act with respect thereto, upon which certificate the Agent and the Lenders may conclusively rely until the Agent shall have received a further certificate of the Secretary or an Assistant Secretary of the Guarantor canceling or amending such prior certificate; (f) LEGAL OPINIONS. The Agent shall have received the following: (i) the opinion of Farella Braun and Martel LLP, counsel to the Borrower and the Subsidiary Guarantors, dated the Closing Date, in substantially the form of Exhibit L-1; and (ii) the opinion 54. of Davis Wright Tremaine LLP, local Washington counsel to the Collateral Agent, dated the Closing Date, in substantially the form of Exhibit L-2. (g) SENIOR SECURED NOTE DOCUMENTS. The Agent shall have received executed copies of the amended and restated Senior Secured Note Documents, which shall be in form and substance reasonably satisfactory to the Agent and the Majority Lenders. (h) PRO-FORMA DEBT TO EBITDA RATIO. The ratio of (i) Consolidated Indebtedness PLUS six times Consolidated Rent Expense (measured on a trailing 12-month basis) to (ii) Consolidated EBITDA PLUS one times Consolidated Rent Expense (in each case, measured on a trailing 12-month basis), shall not be greater than 5.75 to 1.00, measured on a pro forma basis (after giving effect to the Borrowings to be made hereunder on the Closing Date) as of the last day of the immediately preceding fiscal quarter. SECTION 8.02 CONDITIONS PRECEDENT TO ALL CREDIT EXTENSIONS. The obligation of each Lender to make any Credit Extension to be made by it hereunder (including its initial Credit Extension) is subject to the satisfaction of the following conditions precedent on the relevant Credit Extension date: (a) NOTICE. The Agent shall have received a Notice of Borrowing or Notice of Conversion or Continuation, as the case may be; or in the case of any issuance, amendment or renewal of any Letter of Credit, the Issuing Lender and the Agent shall have received an L/C Application or L/C Amendment Application, as required under Section 3.02. (b) MATERIAL ADVERSE EFFECT. On and as of the date of such Credit Extension, there shall have occurred no Material Adverse Effect since December 31, 2001. (c) REPRESENTATIONS AND WARRANTIES; NO DEFAULT. On the date of such Credit Extension date, both before and after giving effect thereto and to the application of proceeds therefrom: (i) the representations and warranties contained in Section 9.01 and in the other Loan Documents shall be true, correct and complete on and as of the date of such Credit Extension date as though made on and as of such date; and (ii) no Default shall have occurred and be continuing or shall result from such Credit Extension. For purposes of this Section 8.02(c), clause (i) shall be deemed instead to refer to the last day of the most recent quarter and year for which financial statements have then been delivered in respect of the representation and warranty made in Section 9.01(p); clause (i) and shall not be deemed to refer to any other representations and warranties which relate solely to an earlier date (PROVIDED that such other representations and warranties shall be true, correct and complete as of such earlier date); and clause (i) shall take into account any amendments to the Schedules and other disclosures made in writing by the Borrower and the Guarantors to the Agent and the Lenders after the Closing Date and approved by the Agent and the Majority Lenders. The giving of any Notice of Borrowing or Notice of Conversion or Continuation, as the case may be, the submission of any L/C Application or L/C Amendment Application, and the acceptance by the Borrower of the proceeds of each Borrowing following the Closing Date, shall each be deemed a certification to the Agent and the Lenders that on and as of the date of such Credit Extension such statements are true. 55. (d) BORROWING BASE CERTIFICATE AND COLLATERAL REPORTS. The Borrower shall have delivered to the Agent the completed Borrowing Base Certificate, together with the related collateral reports, required under Section 10.01(a), and the statements contained therein shall be true, correct and complete on and as of the date of such Borrowing as though made on and as of such date. The giving of any Notice of Borrowing or Notice of Conversion or Continuation, as the case may be, the submission of any L/C Application or L/C Amendment Application, and the acceptance by the Borrower of the proceeds of a Borrowing, shall each be deemed a certification to the Agent and the Lenders that on and as of the date of the Credit Extension such statements are true, correct and complete. (d) ADDITIONAL DOCUMENTS. The Agent shall have received, in form and substance satisfactory to it, such additional approvals, opinions, documents and other information as the Agent or any Lender (through the Agent) may reasonably request. ARTICLE IX REPRESENTATIONS AND WARRANTIES SECTION 9.01 REPRESENTATIONS AND WARRANTIES. The Borrower represents and warrants to each Lender and the Agent that: (a) ORGANIZATION AND POWERS. Each of the Borrower and its Subsidiaries is a corporation, limited liability company or partnership duly organized or formed, as the case may be, validly existing and in good standing under the laws of the jurisdiction of its incorporation or formation, is qualified to do business and is in good standing in each jurisdiction in which the failure so to qualify or be in good standing would result in a Material Adverse Effect and has all requisite power and authority to own its assets and carry on its business and to execute, deliver and perform its obligations under the Loan Documents. (b) AUTHORIZATION; NO CONFLICT. The execution, delivery and performance by the Borrower and each Guarantor of the Loan Documents to which such Person is a party have been duly authorized by all necessary corporate action of such Person and do not and will not (i) contravene the terms of the Organization Documents of such Person or result in a breach of or constitute a default under any indenture or loan or credit agreement or any other agreement, lease or instrument to which such Person is a party or by which it or its properties may be bound or affected; (ii) violate any provision of any law, rule, regulation, order, writ, judgment, injunction, decree or the like binding on or affecting such Person; or (iii) except as contemplated by this Agreement, result in, or require, the creation or imposition of any Lien upon or with respect to any of the properties of such Person. (c) BINDING OBLIGATION. The Loan Documents constitute, or when delivered under this Agreement will constitute, legal, valid and binding obligations of the Borrower and the Guarantors, enforceable against the Borrower and the Guarantors in accordance with their respective terms. (d) CONSENTS. No authorization, consent, approval, license, exemption of, or filing or registration with, any Governmental Authority, or approval or consent of any other Person, is required for the due execution, delivery or performance by the Borrower or the 56. Guarantors of any of the Loan Documents, except for recordings or filings in connection with the perfection of the Liens on the Collateral in favor of the Collateral Agent on behalf of the Lenders. (e) NO DEFAULTS. Neither the Borrower nor any of its Subsidiaries is in default under any material contract, lease, agreement, judgment, decree or order to which it is a party or by which it or its properties may be bound. (f) TITLE TO PROPERTIES; LIENS; USE. The Borrower and its Subsidiaries have good and marketable title to, or valid and subsisting leasehold interests in, their properties and assets, including all property forming a part of the Collateral, there is no Lien upon or with respect to any of such properties or assets, including any of the Collateral, except for Permitted Liens, and the use, ownership, maintenance and operation of each Premises by the Borrower or its Subsidiaries is in compliance in all material respects with all applicable Requirements of Law. (g) LITIGATION. Except as set forth on Schedule 5 hereto, there are no actions, suits or proceedings pending or, to the best of the Borrower's knowledge, threatened against or affecting the Borrower or any of its Subsidiaries or the properties of the Borrower or any of its Subsidiaries before any Governmental Authority or arbitrator which if determined adversely to the Borrower or any such Subsidiary would result in a Material Adverse Effect. (h) COMPLIANCE WITH ENVIRONMENTAL LAWS. Each of the Borrower and its Subsidiaries is in full compliance with all Environmental Laws, whether in connection with the ownership, use, maintenance or operation of its Premises or the conduct of any business thereon, or otherwise. Neither the Borrower, any of its Subsidiaries nor to the best of the Borrower's knowledge, after due and diligent inquiry and investigation, any previous owner, tenant, occupant, user or operator of the Premises, or any present tenant or other present occupant, user or operator of the Premises has used, generated, manufactured, installed, treated, released, stored or disposed of any Hazardous Substances on, under, or at the Premises, except in compliance with all applicable Environmental Laws. After due and diligent inquiry and investigation the Borrower has determined that no Hazardous Substances have at any time been spilled, leaked, dumped, deposited, discharged, disposed of or released or migrated on, under, at or from the Premises, nor have any of the Premises been used at any time by any Person as a landfill or waste disposal site. There are no actions, suits, claims, notices of violation, hearings, investigations or proceedings pending or, to the best of the Borrower's knowledge, threatened against or affecting the Borrower or any of its Subsidiaries or with respect to the ownership, use, maintenance and operation of the Premises, relating to Environmental Laws or Hazardous Substances. (i) GOVERNMENTAL REGULATION. Neither the Borrower nor any of its Subsidiaries is subject to regulation under the Public Utility Holding Company Act of 1935, the Federal Power Act, the Investment Company Act of 1940, the Interstate Commerce Act, any state public utilities code or any other federal or state statute or regulation limiting its ability to incur Indebtedness. (j) ERISA. 57. (i) The Borrower and all ERISA Affiliates have satisfied all applicable contribution requirements under Section 412(c)(11) of the Internal Revenue Code and have never sought a waiver under Section 412(d) of the Internal Revenue Code; (ii) no Termination Event has occurred and is continuing, or is reasonably expected to occur; (iii) the aggregate amount of Unfunded Accrued Benefits under all Pension Plans (excluding in such computation Pension Plans with assets greater than accrued benefits) does not exceed $1,500,000; (iv) there is no condition or event under which the Borrower, any ERISA Affiliate, or any Plan maintained by the Borrower or any ERISA Affiliate could be subject to any risk of material liability under ERISA or the Internal Revenue Code, regardless of whether the Borrower or any ERISA Affiliate engaged in a transaction giving rise to the liability; (v) neither the Borrower nor any ERISA Affiliate has unfunded, contingent liability that exceeds $1,500,000 with respect to Plans that provide post-retirement welfare benefits; and (vi) all Plans maintained by, or contributed to by, the Borrower or any ERISA Affiliate comply in all material respects, and have been administered in material compliance with, the requirements of applicable law (including, if applicable, foreign law, ERISA and the Internal Revenue Code), and in accordance with each Plan's terms. (k) SUBSIDIARIES. The name, capital structure and ownership of each Subsidiary of the Borrower on the date of this Agreement are as set forth in Schedule 6. All of the outstanding capital stock of, or other interest in, each such Subsidiary has been validly issued, and is fully paid and nonassessable. Except as set forth in such Schedule, on the date of this Agreement the Borrower has no equity interest in any Person. (l) MARGIN REGULATIONS. The Borrower is not engaged in the business of extending credit for the purpose of purchasing or carrying "margin stock" (within the meaning of Regulation U of the FRB). No part of the proceeds of the Loans will be used to purchase or carry any margin stock or to extend credit to others for the purpose of purchasing or carrying any margin stock, except in accordance with the provisions of Regulations T, U, and X of the FRB. (m) TAXES.Each of the Borrower and its Subsidiaries has duly filed all tax and information returns required to be filed, and has paid all taxes, fees, assessments and other governmental charges or levies that have become due and payable, except to the extent such taxes or other charges are being contested in good faith and are adequately reserved against in accordance with GAAP. (n) PATENTS AND OTHER RIGHTS. Each of the Borrower and its Subsidiaries possesses all permits, franchises, licenses, patents, trademarks, trade names, service marks, copyrights and all rights with respect thereto, free from burdensome restrictions, that are necessary for the ownership, maintenance and operation of its business and neither the Borrower nor any such Subsidiary is in violation of any rights of others with respect to the foregoing. 58. (o) INSURANCE. The properties of the Borrower and its Subsidiaries are insured, with financially sound and reputable insurance companies, in such amounts, with such deductibles and covering such risks as is customarily carried by companies engaged in similar businesses and owning similar properties in the localities where the Borrower or such Subsidiary operates. (p) FINANCIAL STATEMENTS.(i)The audited consolidated balance sheet of the Borrower and its Subsidiaries as at December 31, 2001, and the related consolidated statements of income, shareholders' equity and cash flows for the fiscal year then ended are complete and correct and fairly present the financial condition of the Borrower and its Subsidiaries as at such dates and the results of operations of the Borrower and its Subsidiaries for the periods covered by such statements, in each case in accordance with GAAP consistently applied. (ii) Since December 31, 2001, there has been no Material Adverse Effect. (q) LIABILITIES. Neither the Borrower nor any of its Subsidiaries has any material liabilities, fixed or contingent, that are not reflected in the financial statements referred to in subsection (p), in the notes thereto or otherwise disclosed in writing to the Lenders. (r) LABOR DISPUTES, ETC. There are no strikes, lockouts or other labor disputes against the Borrower or any of its Subsidiaries, or, to the best of the Borrower's knowledge, threatened against or affecting the Borrower or any of its Subsidiaries, and no Event of Loss has occurred with respect to any assets or property of the Borrower or any of its Subsidiaries, which may result in a Material Adverse Effect. (s) SOLVENCY. Each of the Borrower and its Subsidiaries is Solvent. (t) DISCLOSURE. None of the representations or warranties made by the Borrower or any of its Subsidiaries in the Loan Documents as of the date of such representations and warranties, and none of the statements or other information contained in each exhibit, report, certificate or written statement furnished by or on behalf of the Borrower or any of its Subsidiaries to the Agent and the Lenders in connection with the Loan Documents, contains any untrue statement of a material fact or omits any material fact required to be stated therein or necessary to make the statements made therein, in the light of the circumstances under which they are made, not misleading, as of the time made or delivered; PROVIDED that to the extent any such exhibit, report, certificate or written statement was based upon or constitutes a forecast or projection, the Borrower represents only that it has acted in good faith and utilized reasonable assumptions and due care in the preparation of such exhibit, report, certificate or written statement (it being understood that forecasts and projections by their nature involve approximations and uncertainties). ARTICLE X COVENANTS SECTION 10.01 REPORTING COVENANTS. So long as any of the Obligations shall remain unpaid, any Letter of Credit shall remain outstanding or any Lender shall have any Commitment, the Borrower agrees that: 59. (a) FINANCIAL STATEMENTS AND OTHER REPORTS. The Borrower shall furnish to the Agent in sufficient copies for distribution to the Lenders: (i) as soon as available and in any event within 45 days after the end of the first three fiscal quarters of each fiscal year, a consolidated and consolidating balance sheet of the Borrower and its Subsidiaries as of the end of such quarter, and the related consolidated and, as to statements of income only, consolidating statements of income, shareholders' equity and cash flows of the Borrower and its Subsidiaries for such quarter and the portion of the fiscal year through the end of such quarter, prepared in accordance with GAAP consistently applied, subject to changes resulting from normal, year-end audit adjustments and except for the absence of notes, all in reasonable detail and setting forth in comparative form the figures for the corresponding period in the preceding fiscal year, together with a certificate of a Responsible Officer of the Borrower stating that such financial statements fairly present the financial condition of the Borrower and its Subsidiaries as at such date and the results of operations of the Borrower and its Subsidiaries for the period ended on such date and have been prepared in accordance with GAAP consistently applied, subject to changes resulting from normal, year-end audit adjustments and except for the absence of notes; (ii) as soon as available and in any event within 90 days after the end of each fiscal year, a consolidated and consolidating balance sheet of the Borrower and its Subsidiaries as of the end of such fiscal year, and the related consolidated and, as to statements of income only, consolidating statements of income, shareholders' equity and cash flows of the Borrower and its Subsidiaries for such fiscal year, prepared in accordance with GAAP consistently applied, all in reasonable detail and setting forth in comparative form the figures for the previous fiscal year, and (A) in the case of such consolidated financial statements, accompanied by an audit report thereon of Moss Adams LLP or another firm of independent certified public accountants of recognized national standing acceptable to the Majority Lenders, which report shall not be qualified as to (1) going concern, or (2) any limitation in the scope of the audit, and (B) in the case of such consolidating financial statements, certified by a Responsible Officer of the Borrower; (iii) together with the financial statements required pursuant to clauses (i) and (ii), (A) a Compliance Certificate of a Responsible Officer as of the end of the applicable accounting period and (B) an Update Certificate of a Responsible Officer as of the end of the applicable accounting period; (iv) promptly upon receipt thereof, copies of all reports submitted to the Borrower by its independent certified public accountants in connection with each annual, interim or special audit examination of the Borrower and its Subsidiaries made by such accountants, including the "management letter" submitted by such accountants to the Borrower in connection with their annual audit; (v) as soon as available and in any event not less than 30 days prior to the start of each fiscal year, a consolidated financial forecast for the Borrower and its Subsidiaries for the following fiscal year and each fiscal year thereafter through the Final Maturity Date, including forecasted consolidated balance sheets, consolidated statements of income, shareholders' equity and cash flows of the Borrower and its Subsidiaries which forecast shall (A) state the 60. assumptions used in the preparation thereof, (B) contain such other information as reasonably requested by the Agent or the Majority Lenders and (C) be in form reasonably satisfactory to the Agent and the Majority Lenders; (vi) as soon as available and in any event not less than 30 days prior to the start of each fiscal year, budgets of the Borrower and its Subsidiaries for each quarter of the following fiscal year, which budgets shall (A) state the assumptions used in the preparation thereof, (B) be in form satisfactory to the Agent and the Majority Lenders, and (C) be accompanied by a statement of a Responsible Officer of the Borrower that, to the best of such Responsible Officer's knowledge, such budgets are a reasonable and good-faith estimate for the period covered thereby; (vii) as soon as available and in any event not later than the last Business Day of each fiscal month, (A) a completed Borrowing Base Certificate, (B) full and complete reports with respect to the Receivables, including information as to concentration, aging, identity of Receivable Debtors, letters of credit securing Receivables, disputed Receivables and other matters, as the Agent shall reasonably request, and (C) a detailed schedule of the Borrower's Inventory, each as of the end of the immediately preceding fiscal month and in form and substance reasonably satisfactory to the Agent; (viii)promptly after the same are released, copies of all press releases; and (ix) promptly after the giving, sending or filing thereof, copies of all reports, if any, which the Borrower or any of its Subsidiaries sends to the holders of its respective capital stock or other securities and of all reports or filings, if any, by the Borrower or any of its Subsidiaries with the SEC or any national securities exchange. As to any information contained in materials furnished pursuant to clause (ix), the Borrower shall not be separately required to furnish such information under clause (i) or (ii), but the foregoing shall not be in derogation of the obligation of the Borrower to furnish the information and materials described in clauses (i) and (ii) at the times specified therein. Additionally, reports required to be delivered pursuant to clauses (i), (ii) or (ix) of subsection 10.01(a) (to the extent any such financial statements, reports or proxy statements are included in materials otherwise filed with the SEC) may be delivered electronically and if so, shall be deemed to have been delivered on the date on which the Borrower posts such reports, or provides a link thereto, either: (i) on the Borrower's website on the Internet at the website address listed on Schedule 2; or (ii) when such report is posted electronically on IntraLinks/IntraAgency or other relevant website to which each Lender and the Agent have access (whether a commercial, third-party website or whether sponsored by the Agent), if any, on the Borrower's behalf; PROVIDED that: (A) the Borrower shall deliver paper copies of such reports to the Agent or any Lender who requests the Borrower to deliver such paper copies until written request to cease delivering paper copies is given by the Agent or such Lender; (B) the Borrower shall notify (which may be by facsimile or electronic mail) the Agent and each Lender of the posting of any such reports and provide to the Agent by email electronic versions (I.E. soft copies) of such reports; and (C) in every instance the Borrower shall provide paper copies of the Compliance Certificates required by clause (iii) above to the Agent and each of the Lenders. Except for such Compliance Certificates, the Agent shall have no obligation to request the delivery or to maintain copies of the reports referred to above, and in any 61. event shall have no responsibility to monitor compliance by the Borrower with any such request for delivery, and each Lender shall be solely responsible for requesting delivery to it or maintaining its copies of such reports. (b) ADDITIONAL INFORMATION. The Borrower will furnish to the Agent: (i) promptly after the Borrower has knowledge or becomes aware thereof, notice of the occurrence of any Event of Loss with respect to its property or assets aggregating $1,500,000 (or its equivalent in another currency) or more; (ii) promptly after the Borrower has knowledge or becomes aware thereof, notice of the occurrence or existence of any Default; (iii) promptly after any Person becomes a Subsidiary of the Borrower (whether by acquisition or otherwise), prompt written notice thereof; (iv) prompt written notice of (A) any proposed acquisition of stock, assets or property by the Borrower or any of its Subsidiaries that could reasonably be expected to result in environmental liability under Environmental Laws, and (B)(1) any spillage, leakage, discharge, disposal, leaching, migration or release of any Hazardous Substances required to be reported to any Governmental Authority under applicable Environmental Laws, and (2) all actions, suits, claims, notices of violation, hearings, investigations or proceedings pending, or to the best of the Borrower's knowledge, threatened against or affecting the Borrower or any of its Subsidiaries or with respect to the ownership, use, maintenance and operation of the Premises, relating to (1) Environmental Laws or Hazardous Substances or (2) any other Requirement of Law that, in the case of this clause (2), may have a Material Adverse Effect; (v) prompt written notice of all actions, suits and proceedings before any Governmental Authority or arbitrator pending, or to the best of the Borrower's knowledge, threatened against or affecting the Borrower or any of its Subsidiaries which (A) if adversely determined would involve an aggregate uninsured liability of $1,500,000 (or its equivalent in another currency) or more, or (B) otherwise may have a Material Adverse Effect; (vi) promptly after the Borrower has knowledge or becomes aware thereof, (A) notice of the occurrence of any Termination Event, together with a copy of any notice of such Termination Event to the PBGC, and (B) the details concerning any action taken or proposed to be taken by the IRS, PBGC, Department of Labor or other Person with respect thereto; (vii) the information regarding insurance maintained by the Borrower and its Subsidiaries as required under Section 10.03(c); (viii)within 30 days of the date thereof, or, if earlier, on the date of delivery of any financial statements pursuant to subsection (a), notice of any material change in accounting policies or financial reporting practices by the Borrower or any of its Subsidiaries; (ix) promptly after the occurrence thereof, notice of any labor controversy resulting in or threatening to result in any strike, work stoppage, boycott, shutdown or other 62. material labor disruption against or involving the Borrower or any of its Subsidiaries which could result in a Material Adverse Effect; (x) upon the request from time to time of the Agent or any Lender (through the Agent), the Swap Termination Values, together with a description of the method by which such values were determined, relating to any then-outstanding Rate Contracts to which the Borrower or any of its Subsidiaries is party; (xi) prompt written notice of any other condition or event which has resulted, or that could reasonably be expected to result, in a Material Adverse Effect; and (xii) such other information respecting the operations, properties, business or condition (financial or otherwise) of the Borrower or its Subsidiaries (including with respect to the Collateral) as any Lender (through the Agent) may from time to time reasonably request. Each notice pursuant to this subsection (b) shall be accompanied by a written statement by a Responsible Officer of the Borrower setting forth details of the occurrence referred to therein, and stating what action the Borrower proposes to take with respect thereto. SECTION 10.02 FINANCIAL COVENANTS. So long as any of the Obligations shall remain unpaid, any Letter of Credit shall remain outstanding or any Lender shall have any Commitment, the Borrower agrees that: (a) LEVERAGE RATIO. The Borrower shall maintain a ratio of (a) Consolidated Indebtedness PLUS six times Consolidated Rent Expense (measured on a rolling 4-quarter basis) to (b) Consolidated EBITDA PLUS one times Consolidated Rent Expense (in each case, measured on a rolling 4-quarter basis) (such ratio, the "Leverage Ratio") as of the last day of each fiscal quarter of not more than (i) 5.75 to 1.00 for the first, second, third and fourth fiscal quarters of 2002, (ii) 5.50 to 1.00 for the first fiscal quarter of 2003, (iii) 5.25 to 1.00 for the second fiscal quarter of 2003, (iv) 5.00 to 1.00 for the third and fourth fiscal quarters of 2003 and the first and second fiscal quarters of 2004, (v) 4.75 to 1.00 for the third and fourth fiscal quarters of 2004, (vi) 4.50 to 1.00 for the first and second fiscal quarters of 2005, (vii) 4.00 to 1.00 for the third and fourth fiscal quarters of 2005 and the first and second fiscal quarters of 2006 and (viii) 3.50 to 1.00 for the third fiscal quarter of 2006 and each fiscal quarter ending thereafter. (b) MINIMUM CONSOLIDATED TANGIBLE NET WORTH. The Borrower shall maintain Consolidated Tangible Net Worth at all times of not less than $76,000,000 PLUS the Net Issuance Proceeds received by the Borrower or any Subsidiary from the sale or issuance of equity securities to any Person other than the Borrower or any Subsidiary PLUS the Net Issuance Proceeds received by the Borrower or any Subsidiary from the sale or issuance of Subordinated Debt to any Person other than the Borrower or any Subsidiary PLUS 75% of positive Consolidated Net Income, if any, for each fiscal quarter elapsed after December 31, 2001; (c) INTEREST COVERAGE RATIO. The Borrower shall maintain a ratio of Consolidated EBIT to Consolidated Interest Expense, for each period of four consecutive fiscal quarters then ended, of not less than (i) 1.50 to 1.00 as of the last day of the first, second, third and fourth fiscal quarters of 2002, (ii) 1.75 to 1.00 as of the last day of the first, second, third and fourth fiscal quarters of 2003, (iii) 2.50 to 1.00 as of the last day of the first, second, third and 63. fourth fiscal quarters of 2004, (iv) 3.00 to 1.00 as of the last day of the first, second, third and fourth fiscal quarters of 2005 and (v) 3.50 to 1.00 as of the last day of the first fiscal quarter of 2006 and each fiscal quarter ending thereafter. (d) FIXED CHARGE COVERAGE RATIO. The Borrower shall maintain a ratio of (a) Consolidated EBITDA to (b) the sum of Consolidated Interest Expense PLUS regularly scheduled principal payments on Indebtedness (including such payments attributable to Capital Leases) PLUS cash income taxes PLUS cash dividends, of the Borrower and its Subsidiaries on a consolidated basis, as determined in accordance with GAAP, for each period of four consecutive fiscal quarters then ended of not less than (i) 1.65 to 1.00 as of the last day of the first fiscal quarter of 2002 through the last day of the second fiscal quarter of 2004 and (ii) 1.25 to 1.00 as of the last day of the third fiscal quarter of 2004 and each fiscal quarter ending thereafter. (e) CAPITAL EXPENDITURES. (i) The Borrower shall not, and shall not permit any of its Subsidiaries to, make or become legally obligated to make any expenditure in respect of the purchase or other acquisition of any new wine barrels where such expenditure exceeds, in the aggregate for the Borrower and its Subsidiaries during each fiscal year set forth below, the amount set forth opposite such fiscal year: FISCAL YEAR ENDING AMOUNT __________________ ___________ 2002 $4,500,000 2003 $5,000,000 2004 $5,500,000 2005 $6,000,000 2006 $6,500,000 2007 $7,000,000 2008 $7,500,000 2009 $8,000,000 (ii) The Borrower shall not, and shall not permit any of its Subsidiaries to, make or become legally obligated to make any expenditure in respect of the purchase or other acquisition of any fixed or capital assets (excluding those assets set out in clause (i) above), where such expenditure exceeds, in the aggregate for the Borrower and its Subsidiaries during each fiscal year set forth below, the amount set forth opposite such fiscal year: FISCAL YEAR ENDING AMOUNT __________________ _____________ 2002 $6,000,000 2003 $12,000,000 2004 $12,500,000 2005 $4,500,000 2006 $3,000,000 2007 $3,000,000 2008 $2,500,000 2009 $2,500,000 64. PROVIDED, HOWEVER, that in respect of clauses (i) and (ii) above, so long as no Default or Event of Default has occurred and is continuing or would result from such expenditure, any portion of any such amount set forth above, if not expended in the fiscal year for which it is permitted above, may be carried over for expenditure in the next following fiscal year, but may not be carried over for expenditure in any fiscal year thereafter. SECTION 10.03 ADDITIONAL AFFIRMATIVE COVENANTS. So long as any of the Obligations shall remain unpaid, any Letter of Credit shall remain outstanding or any Lender shall have any Commitment, the Borrower agrees that: (a) PRESERVATION OF EXISTENCE, ETC. The Borrower shall, and shall cause each of its Subsidiaries to, maintain and preserve its legal existence, its rights to transact business and all other rights, franchises and privileges necessary or desirable in the normal course of its business and operations and the ownership of its properties, except in connection with transactions permitted by Section 10.04. (b) PAYMENT OF OBLIGATIONS. The Borrower shall, and shall cause each of its Subsidiaries to, pay and discharge (i) all taxes, fees, assessments and governmental charges or levies imposed upon it or upon its properties or assets prior to the date on which penalties attach thereto, and all lawful claims for labor, materials and supplies which, if unpaid, might become a Lien upon any properties or assets of the Borrower or any Subsidiary, except to the extent such taxes, fees, assessments or governmental charges or levies, or such claims, are being contested in good faith by appropriate proceedings and are adequately reserved against in accordance with GAAP; (ii) all lawful claims which, if unpaid, would by law become a Lien upon its property not constituting a Permitted Lien; and (iii) all Indebtedness, as and when due and payable, but subject to any subordination provisions contained in any instrument or agreement evidencing such Indebtedness. (c) MAINTENANCE OF INSURANCE. The Borrower shall, and shall cause each of its Subsidiaries to, carry and maintain in full force and effect, at its own expense and with financially sound and reputable insurance companies, insurance in such amounts, with such deductibles and covering such risks as is customarily carried by companies engaged in the same or similar businesses and owning similar properties in the localities where the Borrower or such Subsidiary operates, including fire, extended coverage, business interruption, public liability, property damage and worker's compensation. Insurance on the Collateral shall name the Collateral Agent, for the ratable benefit of the Lenders as their interests may appear, as additional insured and as loss payee. Upon the request of the Agent or any Lender, the Borrower shall furnish the Agent from time to time with full information as to the insurance carried by it and, if so requested, copies of all such insurance policies. The Borrower shall also furnish to the Agent from time to time upon the request of the Agent or any Lender a certificate of the Borrower's insurance broker or other insurance specialist stating that all premiums then due on the policies relating to insurance on the Collateral have been paid, that such policies are in full force and effect and that such insurance coverage and such policies comply with all the requirements of this subsection. All insurance policies required under this subsection shall provide that they shall not be terminated or cancelled nor shall any such policy be materially changed without at least 30 days' prior written notice to the Borrower and the Agent. Receipt of notice of termination or cancellation of any such insurance policies or reduction of coverages or 65. amounts thereunder shall entitle the Agent to renew any such policies, cause the coverages and amounts thereof to be maintained at levels required pursuant to the first sentence of this subsection (c) or otherwise to obtain similar insurance in place of such policies, in each case at the expense of the Borrower. (d) KEEPING OF RECORDS AND BOOKS OF ACCOUNT. The Borrower shall, and shall cause each of its Subsidiaries to, keep adequate records and books of account, in which complete entries shall be made in accordance with GAAP, reflecting all financial transactions of the Borrower and its Subsidiaries. (e) INSPECTION RIGHTS. The Borrower shall upon reasonable notice at any reasonable time during normal business hours and from time to time (i) permit the Agent and the Lenders or any of their respective agents or representatives to visit and inspect any of the properties of the Borrower and its Subsidiaries and to examine and make copies of and abstracts from the records and books of account of the Borrower and its Subsidiaries, and to discuss the business affairs, finances and accounts of the Borrower and any such Subsidiary with any of the officers, employees or accountants of the Borrower or such Subsidiary, and (ii) permit the Agent or any of its agents or representatives to conduct periodic audits of the Collateral at such frequencies as the Agent or the Majority Lenders shall deem appropriate, in each case, at the expense of the Borrower; PROVIDED, HOWEVER, that other than during the occurrence and continuation of an Event of Default, the Borrower shall not be required to pay for more than one such inspection or audit during any 12-month period. (f) COMPLIANCE WITH LAWS, ETC. The Borrower shall, and shall cause each of its Subsidiaries to, comply in all material respects with the requirements of all applicable laws, rules, regulations and orders of any Governmental Authority (including all Environmental Laws) and the terms of any indenture, contract or other instrument to which it may be a party or under which it or its properties may be bound. (g) MAINTENANCE OF PROPERTIES, ETC. The Borrower shall, and shall cause each of its Subsidiaries to, maintain and preserve all of its properties necessary or useful in the proper conduct of its business in good working order and condition in accordance with the general practice of other corporations or companies in similar businesses and of similar character and size, ordinary wear and tear excepted. (h) LICENSES. The Borrower shall, and shall cause each of its Subsidiaries to, obtain and maintain all licenses, authorizations, consents, filings, exemptions, registrations and other governmental approvals necessary in connection with the execution, delivery and performance of the Loan Documents, the consummation of the transactions therein contemplated or the operation and conduct of its business and ownership of its properties. (i) ACTION UNDER ENVIRONMENTAL LAWS. The Borrower shall, and shall cause each of its Subsidiaries to, upon becoming aware of the presence of any Hazardous Substance other than Hazardous Substances customarily used in businesses such as Borrower's, which Hazardous Substances are used in strict compliance with all applicable Environmental Laws, or the existence of any environmental liability under applicable Environmental Laws with respect to the Premises, take all actions, at their cost and expense, as shall be necessary or reasonably 66. advisable to investigate and clean up the condition of the Premises, including all removal, containment and remedial actions, and restore the Premises to a condition in compliance with applicable Environmental Laws. Nothing in this Section 10.03(i) is intended to limit, derogate or otherwise reduce the rights of the Collateral Agent and the Lenders under the Deeds of Trust with respect to Environmental Laws. (j) USE OF PROCEEDS. The Borrower shall use the proceeds of the Loans solely for general corporate purposes not in contravention of any Requirement of Law and to repay amounts owing under the Existing Credit Facility. (k) ADDITIONAL SUBSIDIARIES. (i) Promptly after the date the Borrower incorporates, creates or acquires any additional Subsidiary and, in any event, within ten Business Days of such incorporation, creation or acquisition, the Borrower shall cause such Subsidiary to execute and deliver to the Agent (i) an accession agreement, as provided for in Section 22 of the Security Agreement, (ii) an accession agreement, as provided for in Section 26 of the Guaranty, (iii) any UCC-1 financing statements which are required by the Collateral Agent or the Agent for filing in each jurisdiction in which such filing is necessary to perfect the security interest of the Collateral Agent in the Collateral of such Subsidiary and (iv) such other items as reasonably requested by the Agent in connection with the foregoing, including resolutions, incumbency and officers' certificates, opinions of counsel, search reports and other certificates and documents. (l) PROCEEDS OF EVENTS OF LOSS. All proceeds paid to the Borrower or any Subsidiary on account of any Event of Loss in excess of $1,500,000 shall be deposited or otherwise held in a deposit account or securities account in respect of which the Collateral Agent holds a perfected first priority Lien (subject only to Permitted Liens), for the ratable benefit of the Lenders as their interests may appear, pending the application of such proceeds to repay the Loans as provided in Section 5.03(b) or to repair, replace or reconstruct the property affected by the Event of Loss. (m) FURTHER ASSURANCE S AND ADDITIONAL ACTS. The Borrower shall execute, acknowledge, deliver, file, notarize and register at its own expense all such further agreements, instruments, certificates, documents and assurances and perform such acts as the Agent or the Majority Lenders shall deem necessary or appropriate to effectuate the purposes of the Loan Documents, and promptly provide the Agent with evidence of the foregoing satisfactory in form and substance to the Agent or the Majority Lenders. SECTION 10.04 NEGATIVE COVENANTS. So long as any of the Obligations shall remain unpaid, any Letter of Credit shall remain outstanding or any Lender shall have any Commitment, the Borrower agrees that: (a) INDEBTEDNESS. The Borrower shall not, and shall not permit any of its Subsidiaries to, create, incur, assume or otherwise become liable for or suffer to exist any Indebtedness, other than: (i) Indebtedness of the Borrower and its Subsidiaries to the Lenders hereunder; 67. (ii) Indebtedness of the Borrower and its Subsidiaries existing on the Closing Date and set forth in Schedule 3 or extensions, renewals and refinancings of such Indebtedness, PROVIDED that the principal amount of such Indebtedness being extended, renewed or refinanced does not increase; (iii) accounts payable to trade creditors for goods and services and current operating liabilities (not the result of the borrowing of money) incurred in the ordinary course of the Borrower's or such Subsidiary's business in accordance with customary terms and paid within the specified time, unless contested in good faith by appropriate proceedings and reserved for in accordance with GAAP; (iv) Indebtedness consisting of guarantees resulting from endorsement of negotiable instruments for collection by the Borrower or any such Subsidiary in the ordinary course of business; (v) Indebtedness under the Senior Secured Notes and any renewal, extension or refinancing of the Senior Secured Notes; PROVIDED that any such renewal, extension or refinancing shall be at (or less than) then prevailing interest rates and be on terms substantially similar to the terms which govern the Senior Secured Notes on the Closing Date or on terms which are more favorable to the Borrower than such governing terms existing on the Closing Date; and PROVIDED FURTHER that the aggregate principal amount thereof shall not exceed $30,000,000 at any time outstanding; (vi) Indebtedness under the Senior Secured Note Guaranties; (vii) Guaranty Obligations not to exceed $1,000,000 in the aggregate at any time outstanding; (viii)Rate Contracts entered into in the ordinary course of business; (ix) unsecured Indebtedness of the Borrower and its Subsidiaries in an aggregate principal amount not to exceed $3,000,000 at any time outstanding; (x) Indebtedness in respect of Capital Leases, Synthetic Lease Obligations and purchase money obligations for fixed or capital assets within the limitations set forth in clause (ix) of the definition of Permitted Liens set forth in Section 1.01 and other Indebtedness secured by Liens within the limitations set forth in clause (x) of the definition of Permitted Liens set forth in Section 1.01, or, in each case, extensions, renewals and refinancings of such Indebtedness, PROVIDED that the principal amount of such Indebtedness being extended, renewed or refinanced does not increase, and PROVIDED FURTHER that the aggregate principal amount of all such Indebtedness does not exceed $16,000,000 at any time outstanding; (xi) Indebtedness subordinated on terms satisfactory to the Majority Lenders to the Obligations in an aggregate principal amount not to exceed $2,000,000 at any time outstanding; and (xii) Indebtedness of the Borrower to any of its wholly owned Subsidiaries or of any of its wholly owned Subsidiaries to another of its wholly owned Subsidiaries. 68. (b) LIENS; NEGATIVE PLEDGES. (i) The Borrower shall not, and shall not permit any of its Subsidiaries to, create, incur, assume or suffer to exist any Lien upon or with respect to any of its properties, revenues or assets, whether now owned or hereafter acquired, other than Permitted Liens. (ii) The Borrower shall not, and shall not permit any of its Subsidiaries to, enter into or suffer to exist any negative pledge or similar agreement (other than pursuant to this Agreement, any other Loan Document and the Senior Secured Note Documents) prohibiting or conditioning the creation or assumption of any Lien upon any of its properties, revenues or assets, whether now owned or hereafter acquired; PROVIDED, HOWEVER, that this subsection shall not prohibit any negative pledge incurred or provided in favor of any holder of Indebtedness permitted under subsection 10.04(a)(x) solely to the extent any such negative pledge relates to the property financed by or the subject of such Indebtedness. (c) CHANGE IN NATURE OF BUSINESS. The Borrower shall not,and shall not permit any of its Subsidiaries to, engage in any material line of business substantially different from those lines of business carried on by it at the date hereof. (d) RESTRICTIONS ON FUNDAMENTAL CHANGES. The Borrower shall not, and shall not permit any of its Subsidiaries to, merge with or consolidate into, or acquire all or substantially all of the assets of, any Person, or sell, transfer, lease or otherwise dispose of (whether in one transaction or in a series of transactions) all or substantially all of its assets, except that: (i) any of the Borrower's wholly owned Subsidiaries may merge with, consolidate into or transfer all or substantially all of its assets to another of the Borrower's wholly owned Subsidiaries that is a Guarantor or to the Borrower and in connection therewith such Subsidiary may be liquidated or dissolved; (ii) the Borrower or any of its Subsidiaries may sell or dispose of assets in accordance with the provisions of subsection (e); and (iii) the Borrower or any of its Subsidiaries may make any investment permitted by subsection (f). (e) SALES OF ASSETS. The Borrower shall not, and shall not permit any of its Subsidiaries to, sell, lease, transfer, or otherwise dispose of, or part with control of (whether in one transaction or a series of transactions) any assets (including any shares of stock in any Subsidiary or other Person), except sales or other dispositions of any of the following: (i) any inventory in the ordinary course of business; (ii) any Permitted Investments; (iii) any assets which have become worn out or obsolete or which are promptly being replaced, in the ordinary course of business; 69. (iv) any assets by any of its wholly owned Subsidiaries to another of its wholly owned Subsidiaries or to the Borrower; (v) any Specified Assets; PROVIDED that such sale or disposition is made in a bona fide arm's length transaction; and PROVIDED FURTHER that at the time of any such sale or disposition, no Event of Default shall exist or shall result therefrom; and (vi) any other assets to the extent not otherwise permitted under this subsection (e); PROVIDED that such assets do not constitute the Primary Trademarks or Substantial Assets and such sale or disposition is made for fair market value; and PROVIDED FURTHER that (A) at the time of any such sale or disposition, no Event of Default shall exist or shall result therefrom, (B) the aggregate sales price from such sale or disposition shall be paid in cash, and (C) no dispositions of accounts or notes receivable shall be permitted hereunder. For purposes of clause (vi) a sale, lease, transfer or other disposition of assets shall be deemed to be of "Substantial Assets" if such assets, when added to all other assets sold, leased, transferred or otherwise disposed of during the same fiscal year (other than assets sold in the ordinary course of business), shall exceed 5% of the Borrower's Consolidated Total Assets determined as of the end of the most recently completed fiscal year. (f) LOANS AND INVESTMENTS. The Borrower shall not, and shall not permit any of its Subsidiaries to, purchase or otherwise acquire the capital stock, assets, obligations or other securities of or any interest in any Person, or otherwise extend any credit to, guarantee the obligations of or make any additional investments in any Person, other than: (i) extensions of credit in the nature of accounts receivable or notes receivable arising from the sales of goods or services in the ordinary course of business; (ii) investments by the Borrower in the capital stock of wholly-owned Subsidiaries, and extensions of credit by the Borrower to any of its wholly owned Subsidiaries or by any of its wholly owned Subsidiaries to another of its wholly owned Subsidiaries or the Borrower, in each case in the ordinary course of business; (iii) Permitted Investments; (iv) purchases of assets in the ordinary course of business; (v) additional purchases of or investments in joint ventures or the capital stock, assets, obligations or other securities of or interest in other Persons, PROVIDED that (A) immediately prior to and after giving effect to such purchase or investment, no Event of Default shall have occurred and be continuing, (B) the aggregate cash and non-cash consideration for any such purchase or investment (or series of related purchases or investments) shall not exceed $5,000,000 without the prior written consent of the Majority Lenders, (C) after giving effect to such purchase or investment, the Borrower shall be in full pro forma compliance with each of the financial covenants set forth in subsections 10.02(a) through (f), measured as of the last day of the fiscal quarter then most recently ended, and (D) in the case of any Acquisition, the prior, effective written consent or approval to such Acquisition of the board of directors or equivalent governing body of the acquiree is obtained; 70. (vi) employee loans and guarantees in accordance with the Borrower's usual and customary practices with respect thereto; (vii) Guaranty Obligations permitted under subsection (a); or (viii)extensions of credit by the Borrower to its Subsidiary Canoe Ridge Vineyard L.L.C., its Subsidiary SHW Equity Co. and/or its Subsidiary Edna Valley Vineyard outstanding on or after the Closing Date in an aggregate amount for all such extensions of credit not to exceed, without the prior written consent of the Majority Lenders in their sole discretion, the Maximum Intercompany Loan Amount at any time outstanding; PROVIDED that all such extensions of credit by the Borrower (i) to Canoe Ridge Vineyard L.L.C. shall not at any time outstanding exceed the Canoe Ridge Intercompany Loan Amount, (ii) to Edna Valley Vineyard shall not at any time outstanding exceed the Edna Valley Intercompany Loan Amount, and (iii) to SHW Equity Co. shall not at any time outstanding exceed the SHW Intercompany Loan Amount; and PROVIDED FURTHER that no Event of Default shall exist at the time of making any such credit extension or would result therefrom. (g) SALES AND LEASEBACKS. The Borrower shall not, and shall not permit any of its Subsidiaries to, become liable, directly or indirectly, with respect to any lease, whether an Operating Lease or a Capital Lease, of any property (whether real, personal or mixed), whether now owned or hereafter acquired, (i) which the Borrower or such Subsidiary has sold or transferred or is to sell or transfer to any other Person or (ii) which the Borrower or such Subsidiary intends to use for substantially the same purposes as any other property which has been or is to be sold or transferred by the Borrower or such Subsidiary to any other Person in connection with such lease, unless such sale or transfer is permitted under subsection (e)(vi). (h) DISTRIBUTIONS. (i) The Borrower shall not declare or pay any dividends in respect of the Borrower's capital stock, or purchase, redeem, retire or otherwise acquire for value any of its capital stock now or hereafter outstanding, return any capital to its shareholders as such, or make any distribution of assets to its shareholders as such, or permit any of its Subsidiaries to purchase, redeem, retire, or otherwise acquire for value any stock of the Borrower, except that the Borrower may: (A) declare and deliver dividends and distributions payable only in common stock of the Borrower; (B) purchase, redeem, retire, or otherwise acquire shares of its capital stock with the proceeds received from a substantially concurrent issue of new shares of its capital stock; (C) declare and pay cash dividends to its stockholders and purchase, redeem, retire or otherwise acquire shares of its own outstanding capital stock for cash during any fiscal year if (1) after giving effect thereto the aggregate amount of such dividends, purchases, redemptions, retirements and acquisitions paid or made during any fiscal year is not in excess of 25% of Consolidated Net Income of the Borrower for the fiscal year immediately preceding the year in which such dividend, purchase, redemption, retirement or acquisition is paid or made and 71. (2) immediately prior to and after giving effect thereto, no Default shall have occurred and be continuing; and (D) declare and pay the Wine Dividend Credits, PROVIDED that immediately prior to and after giving effect thereto, no Default shall have occurred and be continuing. (ii) The Borrower shall not permit any Subsidiary of the Borrower to grant or otherwise agree to or suffer to exist any consensual restrictions on the ability of such Subsidiary to pay dividends and make other distributions to the Borrower, or to pay any Indebtedness owed to the Borrower or transfer properties and assets to the Borrower. (i) AMENDMENTS OF CERTAIN DOCUMENTS. The Borrower shall not, and shall not permit any of its Subsidiaries to, agree to or permit any amendment, modification or waiver of: (i) any provision of any agreement related to any Subordinated Debt (including any amendment, modification or waiver pursuant to an exchange of other securities or instruments for outstanding Subordinated Debt) if the effect of such amendment, modification or waiver is to (A) increase the interest rate on such Subordinated Debt or change (to earlier dates) the dates upon which principal and interest are due thereon; (B) alter the redemption, prepayment or subordination provisions thereof; (C) alter the covenants and events of default in a manner which would make such provisions more onerous or restrictive to the Borrower or such Subsidiary; or (D) otherwise increase the obligations of the Borrower or such Subsidiary in respect of such Subordinated Debt or confer additional rights upon the holders thereof which individually or in the aggregate would be adverse to the Borrower, its Subsidiaries or the Lenders; and (ii) any provision of any of the Senior Secured Note Documents (including any amendment, modification or waiver pursuant to an exchange of other securities or instruments for outstanding Senior Secured Notes) if the effect of such amendment, modification or waiver would be to (A) change to earlier dates the dates upon which principal and interest are due thereunder, (B) alter the redemption or prepayment provisions thereof, or (C) alter the provisions thereof relating to dispositions of collateral. (j) REDEMPTION OF SUBORDINATED DEBT. The Borrower shall not, and shall not permit any of its Subsidiaries to, make any voluntary or optional payment or repayment on, redemption, exchange or acquisition for value of, or any sinking fund or similar payment with respect to, any Subordinated Debt. Notwithstanding the foregoing, the Borrower may from time to time satisfy all or any portion of the outstanding principal and accrued and unpaid interest in respect of any Subordinated Debt by exchanging common stock or Permitted Preferred Stock of the Borrower in satisfaction of such outstanding principal and accrued and unpaid interest pursuant to a non-cash transaction approved in good faith by the Board of Directors of the Borrower. The Borrower shall promptly notify the Agent of any such exchange. (k) TRANSACTIONS WITH RELATED PARTIES. Except as set forth in Schedule 9 hereto, the Borrower shall not, and shall not permit any of its Subsidiaries to, enter into any transaction, including the purchase, sale or exchange of property or the rendering of any services, 72. with any Affiliate, any officer or director thereof or any Person which beneficially owns or holds 5% or more of the equity securities, or 5% or more of the equity interest, thereof (a "Related Party"), or enter into, assume or suffer to exist, or permit any Subsidiary to enter into, assume or suffer to exist, any employment or consulting contract with any Related Party, except a transaction or contract which is in the ordinary course of the Borrower's or such Subsidiary's business and which is upon fair and reasonable terms not less favorable to the Borrower or such Subsidiary than it would obtain in a comparable arm's length transaction with a Person not a Related Party. (l) HAZARDOUS SUBSTANCES. The Borrower shall not, and shall not permit any of its Subsidiaries to, use, generate, manufacture, install, treat, release, store or dispose of any Hazardous Substances, except in compliance with all applicable Environmental Laws. (m) ACCOUNTING CHANGES. The Borrower shall not,and shall not suffer or permit any of its Subsidiaries to, make any significant change in accounting treatment or reporting practices, except as required or permitted by GAAP, or change its fiscal year or that of any of its consolidated Subsidiaries, except to change the fiscal year of a Subsidiary acquired in connection with a permitted acquisition to conform its fiscal year to the Borrower's. (n) FOREIGN SUBSIDIARIES. The Borrower shall not directly or indirectly create or acquire any Foreign Subsidiary without the prior written consent of the Agent and the Majority Lenders. ARTICLE XI EVENTS OF DEFAULT SECTION 11.01 EVENTS OF DEFAULT. Any of the following events which shall occur shall constitute an "Event of Default": (a) PAYMENTS. The Borrower shall fail to pay (i) any amount of principal of, or interest on, any Loan or Note or any amount of any L/C Obligation when due or (ii) any fee or other amount payable hereunder or under any of the other Loan Documents within three (3) Business Days after the same shall have become due. (b) REPRESENTATIONS AND WARRANTIES. Any representation or warranty by the Borrower under or in connection with the Loan Documents shall prove to have been incorrect in any material respect when made or deemed made. (c) FAILURE BY BORROWER TO PERFORM CERTAIN COVENANTS. The Borrower shall fail to perform or observe any term, covenant or agreement contained in Section 10.01, Section 10.02, subsections (a), (c), (e), and (j) of Section 10.03 or Section 10.04. (d) FAILURE BY BORROWER TO PERFORM OTHER COVENANTS. The Borrower shall fail to perform or observe any other term, covenant or agreement contained in this Agreement or any other Loan Document on its part to be performed or observed and any such failure shall remain unremedied for a period of 20 days from the occurrence thereof (unless the Majority Lenders determine that such failure is not capable of remedy). 73. (e) INSOLVENCY; VOLUNTARY PROCEEDINGS. The Borrower or any Subsidiary (i) ceases or fails to be Solvent, or generally fails to pay, or admits in writing its inability to pay, its debts as they become due, subject to applicable grace periods, if any, whether at stated maturity or otherwise; (ii) voluntarily ceases to conduct its business in the ordinary course; (iii) commences any Insolvency Proceeding with respect to itself; or (iv) takes any action to effectuate or authorize any of the foregoing; or (f) INVOLUNTARY PROCEEDINGS. (i) Any involuntary Insolvency Proceeding is commenced or filed against the Borrower or any Subsidiary, or any writ, judgment, warrant of attachment, execution or similar process, is issued or levied against a substantial part of the Borrower's or any Subsidiary's properties, and any such proceeding or petition shall not be dismissed, or such writ, judgment, warrant of attachment, execution or similar process shall not be released, vacated or fully bonded within 60 days after commencement, filing or levy; (ii) the Borrower or any Subsidiary admits the material allegations of a petition against it in any Insolvency Proceeding, or an order for relief (or similar order under non-U.S. law) is ordered in any Insolvency Proceeding; or (iii) the Borrower or any Subsidiary acquiesces in the appointment of a receiver, trustee, custodian, conservator, liquidator, mortgagee in possession (or agent therefor), or other similar Person for itself or a substantial portion of its property or business; or (g) DEFAULT UNDER OTHER INDEBTEDNESS. (i) The Borrower or any of its Subsidiaries shall fail (A) to make any payment of any principal of, or interest or premium on, any Indebtedness (other than in respect of the Loans or any Rate Contract) having an aggregate principal amount (including undrawn committed or available amounts and including amounts owing to all creditors under any combined or syndicated credit arrangement) of more than $1,500,000 (or its equivalent in another currency) when due (whether by scheduled maturity, required prepayment, acceleration, demand or otherwise) and such failure shall continue after the applicable grace period, if any, specified in the agreement or instrument relating to such Indebtedness as of the date of such failure; or (B) to perform or observe any term, covenant or condition on its part to be performed or observed under any agreement or instrument relating to any such Indebtedness, when required to be performed or observed, and such failure shall continue after the applicable grace period, if any, specified in such agreement or instrument, if the effect of such failure to perform or observe is to accelerate, or to permit the acceleration of, the maturity of such Indebtedness; or (ii) any such Indebtedness shall be declared to be due and payable, or required to be prepaid (other than by a regularly scheduled required prepayment), prior to the stated maturity thereof; (iii) any facility or commitment available to the Borrower or any Subsidiary relating to Indebtedness in an aggregate amount at any one time of not less than $1,500,000 (or its equivalent in any other currency) is withdrawn, suspended or cancelled by reason of any default (however described) of the Borrower or such Subsidiary; or (iv) there occurs under any Rate Contract an Early Termination Date (as defined in such Rate Contract) resulting from (A) any event of default under such Rate Contract as to which the Borrower or any Subsidiary is the Defaulting Party (as defined in such Rate Contract) or (B) any Termination Event (as so defined) as to which the Borrower or any Subsidiary is an Affected Party (as so defined), and, in either event, the Swap Termination Value owed by the Borrower or such Subsidiary as a result thereof is greater than $1,500,000 (or its equivalent in another currency). 74. (h) JUDGMENTS. (i) A final judgment or order for the payment of money in excess of $1,500,000 (or its equivalent in another currency) over the amount covered by third-party insurance shall be rendered against the Borrower or any of its Subsidiaries; or (ii) any non-monetary judgment or order shall be rendered against the Borrower or any such Subsidiary which has or would reasonably be expected to have a Material Adverse Effect; and in each case there shall be any period of 20 consecutive days during which such judgment continues unsatisfied or during which a stay of enforcement of such judgment or order, by reason of a pending appeal or otherwise, shall not be in effect. (i) ERISA. (i) The Borrower or an ERISA Affiliate shall fail to satisfy its contribution requirements in an amount in excess of $1,500,000 under Section 412(c)(11) of the Internal Revenue Code, whether or not it has sought a waiver under Section 412(d) of the Internal Revenue Code; (ii) in the case of a Termination Event involving the withdrawal from a Pension Plan of a "substantial employer" (as defined in Section 4001(a)(2) or Section 4062(e) of ERISA), the Borrower's or an ERISA Affiliate's proportionate share of that Pension Plan's Unfunded Accrued Benefits is more than $1,500,000; (iii) in the case of a Termination Event involving the complete or partial withdrawal from a Multiemployer Plan, the Borrower or an ERISA Affiliate has incurred a withdrawal liability in an aggregate amount exceeding $1,500,000; (iv) in the case of a Termination Event not described in clause (ii) or (iii), the Unfunded Accrued Benefits of the relevant Pension Plan or Plans exceed $1,500,000; (v) a Plan of the Borrower or an ERISA Affiliate that is intended to be qualified under Section 401(a) of the Internal Revenue Code shall lose its qualification, and the loss can reasonably be expected to impose on the Borrower or an ERISA Affiliate liability (for additional taxes, to Plan participants, or otherwise) in the aggregate amount of $1,500,000 or more; (vi) the commencement or increase of contributions to, the adoption of, or the amendment of a Plan by, the Borrower or an ERISA Affiliate shall result in a net increase in unfunded liabilities to the Borrower or an ERISA Affiliate in excess of $1,500,000; or (vii) the occurrence of any combination of events listed in clauses (ii) through (vi) that involves a net increase in aggregate Unfunded Accrued Benefits and unfunded liabilities in excess of $1,500,000. (j) DISSOLUTION, ETC.The Borrower or any of its Subsidiaries shall (i) liquidate, wind up or dissolve (or suffer any liquidation, wind-up or dissolution), except to the extent expressly permitted by Section 10.04, (ii) suspend its operations other than in the ordinary course of business, or (iii) take any corporate action to authorize any of the actions or events set forth above in this subsection (j). (k) MATERIAL ADVERSE EFFECT. A Material Adverse Effect shall occur. (l) CHANGE IN OWNERSHIP OR CONTROL. A Change of Control shall occur. (m) FAILURE BY GUARANTOR TO PERFORM COVENANTS; INVALIDITY OF GUARANTY. Any Guarantor shall fail in any material respect to perform or observe any term, covenant or agreement contained in its Guaranty or any other Guarantor Document on its part to be performed or observed and any such failure shall remain unremedied for a period of 20 days from the occurrence thereof (unless the Majority Lenders determine that such failure is not 75. capable of remedy), or any "Event of Default" as defined in any Guaranty shall have occurred; or any Guaranty or any other Guarantor Document shall for any reason be revoked or invalidated, or otherwise cease to be in full force and effect, or any Guarantor or any other Person shall contest in any manner the validity or enforceability thereof or deny that it has any further liability or obligation thereunder. (n) ENVIRONMENTAL INDEMNITY. The Environmental Indemnity after delivery thereof shall for any reason be revoked or invalidated, or otherwise cease to be in full force and effect, or the Borrower or any other Person shall contest in any manner the validity or enforceability thereof, or the Borrower or any other Person shall deny that it has any further liability or obligation thereunder. (o) SUBORDINATION PROVISIONS. The subordination or intercreditor provisions of the Intercreditor and Collateral Agency Agreement or of any agreement or instrument governing any Subordinated Debt shall for any reason be revoked or invalidated, or otherwise cease to be in full force and effect, any Person shall contest in any manner the validity or enforceability thereof or deny that it has any further liability or obligation thereunder, or the Indebtedness hereunder shall for any reason be subordinated or shall not have the priority contemplated by this Agreement or such subordination or intercreditor provisions. (p) COLLATERAL DOCUMENTS. The Borrower or any other Person shall fail to perform or observe any term, covenant or agreement contained in the Collateral Documents on its part to be performed or observed and any such failure shall remain unremedied for a period of 20 days from the occurrence thereof (unless the Majority Lenders determine that such failure is not capable of remedy), or any "Event of Default" as defined in any Collateral Document shall have occurred; or any of the Collateral Documents after delivery thereof shall for any reason be revoked or invalidated, or otherwise cease to be in full force and effect, or the Borrower or any other Person shall contest in any manner the validity or enforceability thereof, or the Borrower or any other Person shall deny that it has any further liability or obligation thereunder; or any of the Collateral Documents for any reason, except to the extent permitted by the terms thereof, shall cease to create a valid and perfected first priority Lien subject only to Permitted Liens in any of the Collateral purported to be covered thereby; or any title insurance coverage in respect of any material portion of the Collateral is disavowed or becomes ineffective. SECTION 11.02 EFFECT OF EVENT OF DEFAULT. If any Event of Default shall occur and be continuing, the Agent shall, at the request of, or may, with the consent of, the Majority Lenders, (i) by notice to the Borrower, (A) require that the Borrower cash collateralize the L/C Obligations (in an amount equal to the then outstanding amount thereof), (B) declare the Commitments of the Lenders (other than their respective share of the L/C Commitment with respect to outstanding Letters of Credit) and any obligations of the Issuing Lender to issue, amend or renew Letters of Credit, to be terminated, whereupon the same shall forthwith terminate, and (C) declare an amount equal to the maximum aggregate amount that is or at any time thereafter may become available for drawing under any outstanding Letters of Credit (whether or not any beneficiary shall have presented, or shall be entitled at such time to present, the drafts or other documents required to draw under such Letters of Credit) to be immediately due and payable, and declare the entire unpaid principal amount of the Loans and the Notes, all interest accrued and unpaid thereon and all other Obligations to be forthwith due and payable, 76. whereupon such amount with respect to Letters of Credit, the Loans and the Notes, all such accrued interest and all such other Obligations shall become and be forthwith due and payable, without presentment, demand, protest or further notice of any kind, all of which are hereby expressly waived by the Borrower; PROVIDED that if an event described in Sections 11.01(e) or 11.01(f) shall occur, the result which would otherwise occur only upon giving of notice by the Agent to the Borrower as specified in this clause (i) shall occur automatically, without the giving of any such notice; and (ii) whether or not the actions referred to in clause (i) have been taken, (A) instruct the Collateral Agent to exercise any or all of the Collateral Agent's rights and remedies under the Collateral Documents and applicable law (subject to the Intercreditor and Collateral Agency Agreement), and (B) proceed to enforce all other rights and remedies available to the Agent and the Lenders under the Loan Documents and applicable law. ARTICLE XII THE AGENT SECTION 12.01 AUTHORIZATION AND ACTION. Each Lender hereby appoints Rabobank as Agent and authorizes the Agent to execute the Loan Documents and to take such action as agent on its behalf and to exercise such powers and perform such duties under this Agreement and the other Loan Documents as are delegated to the Agent by the terms hereof or thereof, together with such powers as are reasonably incidental thereto. The duties and obligations of the Agent are strictly limited to those expressly provided for herein, and no implied covenants, functions, responsibilities, duties, obligations or liabilities shall be read into this Agreement or otherwise exist against the Agent. As to any matters not expressly provided for by the Loan Documents (including enforcement of the Loan Documents or collection of any amounts due thereunder), the Agent shall not be required to exercise any discretion or take any action, but shall be required to act or to refrain from acting (and shall be fully protected in so acting or refraining from acting) upon the instructions of the Majority Lenders, and such instructions shall be binding upon all Lenders; PROVIDED, HOWEVER, that except for action expressly required of the Agent hereunder, the Agent shall in all cases be fully justified in failing or refusing to act under any Loan Document unless it shall be indemnified to its satisfaction by the Lenders against any and all liability and expense which may be incurred by reason of taking or continuing to take any such action, and that the Agent shall not in any event be required to take any action which exposes the Agent to liability or which is contrary to any Loan Document or applicable law. Nothing in any Loan Document shall, or shall be construed to, constitute the Agent a trustee or fiduciary for any Lender or the Issuing Lender. In performing its functions and duties hereunder, the Agent shall act solely as the agent of the Lenders and does not assume and shall not be deemed to have assumed any obligation towards or relationship of agency or trust with or for the Borrower or any Guarantor. Each Lender agrees that the Borrower shall be entitled to rely on any action purportedly taken by the Agent on behalf of the Lenders. Each Lender agrees that the Borrower shall have no liability for the Agent's failure to properly distribute to the Lenders, as their interests may appear, any funds received by the Agent on behalf of the Lenders. SECTION 12.02 LIMITATION ON LIABILITY OF AGENT; NOTICES; CLOSING. 77. (a) LIMITATION ON LIABILITY OF AGENT AND ISSUING LENDER.None of the Agent/IB-Related Persons shall be liable for any action taken or omitted to be taken by it or them under or in connection with any Loan Document, except for its or their own gross negligence or willful misconduct. Without limitation of the generality of the foregoing, the Agent (i) may treat a Lender as the holder of its Loans for all purposes hereof unless and until such Lender and its assignee shall have delivered to the Agent and the Borrower an Assignment and Acceptance Agreement substantially in the form of Exhibit M (an "Assignment and Acceptance") and the other conditions to assignment set forth in Section 13.09 shall have been satisfied; (ii) may consult with legal counsel (including counsel to the Borrower), independent public accountants and other experts selected by it and shall not be liable for any action taken or omitted to be taken in good faith by it in accordance with the advice of such counsel, accountants or experts; and (iii) shall incur no liability to any Lender under or in respect of any Loan Document by acting upon any notice, consent, certificate, telegram, facsimile, electronic mail, telex or teletype message, statement or other instrument or writing believed by it to be genuine and signed or sent by the proper party or parties or by acting upon any representation or warranty made or deemed to be made hereunder or under any other Loan Document. Further, the Agent (A) makes no warranty or representation to any Lender and shall not be responsible to any Lender for the accuracy or completeness of any information, exhibit or report furnished under any Loan Document, for any statements, warranties or representations (whether written or oral) made or deemed made in or in connection with any Loan Documents; (B) shall have no duty to ascertain or to inquire as to the performance or observance of any of the terms, covenants or conditions of this Agreement or any other Loan Document on the part of the Borrower, the Guarantors or any other Person or to inspect the property, books or records of the Borrower, the Guarantors or any other Person; and (C) shall not be responsible to any Lender for the due execution, legality, validity, enforceability, genuineness, sufficiency, value or collectibility of this Agreement or any other Loan Document or any of the Collateral. (b) NOTICES. Promptly upon receipt thereof, the Agent shall forward to each Lender originals or copies, as specified in this Agreement or any other Loan Document, of all agreements, instruments, opinions, financial statements, notices and other documents delivered by the Borrower, the Guarantors or any other Person to the Agent pursuant to any Loan Document for distribution to the Lenders. Except for any of the foregoing expressly required to be furnished to the Lenders by the Agent hereunder, the Agent shall not have any duty or responsibility to provide any Lender with any credit or other information concerning the business, operations, property, condition (financial or otherwise), prospects or creditworthiness of the Borrower which may come into the possession of the Agent or any of its officers, directors, employees, agents, attorneys-in-fact or Affiliates. (c) CLOSING. For purposes of determining compliance with the conditions specified in Section 8.01, each Lender that has executed this Agreement shall be deemed to have consented to, approved or accepted or to be satisfied with, each document or other matter either sent (or made available) by the Agent to such Lender for consent, approval, acceptance or satisfaction, or required thereunder to be consented to or approved by or acceptable or satisfactory to such Lender, unless an officer of the Agent responsible for the transactions contemplated by the Loan Documents shall have received notice from such Lender prior to the Closing Date specifying its objection thereto and either such objection shall not have been withdrawn by notice to the Agent to that effect on or prior to the Closing Date or, if any 78. Borrowing on the Closing Date has been requested, the Lender shall not have made available to the Agent on or prior to the Closing Date the Lender's Pro Rata Share of any Borrowing. SECTION 12.03 AGENT AND AFFILIATES. With respect to its Commitment, the Loans made by it, the Notes issued to it, Letters of Credit issued by it, and all other Obligations owing to it as a Lender, the Agent shall have the same rights and powers under the Loan Documents as any other Lender and may exercise the same as though it were not the Agent; and the term "Lender" or "Lenders" shall, unless otherwise expressly indicated, include the Agent in its individual capacity. The Agent and its Affiliates may accept deposits from, lend money to, issue letters of credit for the account of, act as trustee under indentures of and generally engage in any kind of business with the Borrower, the Guarantors and any Affiliate thereof, all as if the Agent were not the Agent hereunder and without any duty to account therefor to the Lenders. SECTION 12.04 NOTICE OF DEFAULTS. The Agent shall not be deemed to have knowledge or notice of the occurrence of a Default hereunder (other than nonpayment of principal of or interest on the Loans or of any fees or any of its costs and expenses) unless the Agent has actual knowledge thereof or has received notice in writing from a Lender or the Borrower referring to this Agreement, describing such event or condition and expressly stating that such notice is a "notice of default." Should the Agent receive such notice of the occurrence of a Default, the Agent shall promptly give notice thereof to the Lenders. The Agent thereupon shall take such action with respect to such Default as shall be reasonably directed by the Majority Lenders; PROVIDED that, unless and until the Agent shall have received such directions, the Agent may (but shall not be obligated to) take such action, or refrain from taking such action, with respect to such Default as it shall deem advisable in the best interests of the Lenders. SECTION 12.05 NON-RELIANCE ON AGENT AND ISSUING LENDER. Each Lender has itself been, and will continue to be, based on such documents and information as it has deemed appropriate, solely responsible for making its own independent appraisal of and investigations into the financial condition, creditworthiness, condition, affairs, status and nature of the Borrower or any of its Subsidiaries and the nature and value of any of the Collateral. Accordingly, each Lender confirms to the Agent and the Issuing Lender that it has not relied, and will not hereafter rely, on the Agent or the Issuing Lender (i) to check or inquire on such Lender's behalf into the adequacy, accuracy or completeness of any information provided by the Borrower or any other Person under or in connection with the Loan Documents or the transactions herein contemplated (whether or not such information has been or is hereafter distributed to such Lender by the Agent or the Issuing Lender), or (ii) to assess or keep under review on such Lender's behalf the financial condition, creditworthiness, condition, affairs, status or nature of the Borrower, any Subsidiary or the nature or value of any of the Collateral. SECTION 12.06 INDEMNIFICATION. The Lenders agree to indemnify each Agent/IB Related Person (to the extent not reimbursed by the Borrower), ratably in accordance with the respective Pro Rata Shares of the Lenders, against and hold each of them harmless from any and all liabilities, obligations, losses, claims, damages, penalties, actions, judgments, suits, costs, expenses or disbursements of any kind or nature whatsoever, including the reasonable fees and disbursements of counsel to such Agent/IB Related Person (including allocated costs of internal counsel), which may be imposed on, incurred by, or asserted against such Agent/IB Related Person, in any way relating to or arising out of the Loan Documents, the use or intended 79. use of the proceeds of the Loans or the transactions contemplated hereby or thereby or any action taken or omitted by such Agent/IB Related Person in connection with any of the foregoing; PROVIDED that no Lender shall be liable for any portion of such liabilities, obligations, losses, damages, penalties, actions, judgments, suits, costs, expenses or disbursements to the extent they are found by a final decision of a court of competent jurisdiction to have resulted from the gross negligence or willful misconduct of such Agent/IB Related Person. Without limitation of the foregoing, each Lender agrees to reimburse each Agent/IB Related Person promptly upon demand for such Lender's Pro Rata Share of any costs and expenses or other charges incurred by such Agent/IB Related Person and payable by the Borrower pursuant to Section 13.04(a) or any other Loan Document to the extent that such Agent/IB Related Person is not reimbursed for such expenses or charges by the Borrower (without prejudice to the Borrower's obligation to so reimburse such Agent/IB Related Person). SECTION 12.07 DELEGATION OF DUTIES. The Agent may, in its discretion, employ from time to time one or more agents or attorneys-in-fact (including any of the Agent's Affiliates) to perform any of the Agent's duties under the Loan Documents. The Agent shall not be responsible for the negligence or misconduct of any agents or attorneys-in-fact selected by it with reasonable care. SECTION 12.08 SUCCESSOR AGENT. Subject to the appointment and acceptance of a successor Agent as provided below, the Agent may resign at any time by giving 30 days' written notice thereof to the Lenders and the Borrower. Upon any such resignation, the Majority Lenders shall have the right to appoint a successor Agent from among the Lenders, and the Lenders shall use their best efforts so to appoint a successor Agent. If no successor Agent shall have been so appointed by the Majority Lenders, and shall have accepted such appointment, prior to the effective date of the retiring Agent's resignation, the retiring Agent may, on behalf of the Lenders, appoint a successor Agent from among the Lenders. Upon the effectiveness of the acceptance of any appointment as Agent hereunder by a successor Agent, (i) the Borrower shall be promptly notified and (ii) such successor Agent shall thereupon succeed to and become vested with all the rights, powers, privileges, duties and obligations of the retiring Agent, and the retiring Agent shall be discharged from its duties and obligations under the Loan Documents. After any retiring Agent's resignation hereunder as Agent, the provisions of this Article XII shall inure to its benefit as to any actions taken or omitted to be taken by it while it was Agent under the Loan Documents. The appointment of a successor Agent (other than a successor by operation of law) shall be subject to the consent of the Borrower (such consent not to be unreasonably withheld or delayed), unless an Event of Default shall have occurred and be continuing, in which case no consent of the Borrower to the appointment of a successor Agent shall be required. SECTION 12.09 COLLATERAL MATTERS. (a) AUTHORIZATION. The Collateral Agent is authorized on behalf of all the Lenders, without the necessity of any notice to or further consent from the Lenders, from time to time to take any action with respect to any Collateral or the Collateral Documents which may be necessary to perfect and maintain perfected the Liens on the Collateral granted pursuant to the Collateral Documents or protect and preserve the Collateral Agent's ability to enforce the Liens or realize upon the Collateral. 80. (b) COLLATERAL RELEASES. The Lenders irrevocably authorize the Collateral Agent, at its option and in its discretion, to release any Lien granted to or held by the Collateral Agent upon any Collateral (i) upon termination of the Commitments and payment in full of all Loans and all other Obligations known to the Collateral Agent and payable under this Agreement or any other Loan Document; (ii) constituting property sold or to be sold or disposed of as part of or in connection with any sale or other disposition permitted hereunder or under any Collateral Document; (iii) constituting property in which the Borrower or its Subsidiaries owned no interest at the time the Lien was granted or at any time thereafter; (iv) constituting property leased to the Borrower or any Subsidiary under a lease permitted hereunder; (v) consisting of an instrument evidencing Indebtedness or other debt instrument, if the Indebtedness evidenced thereby has been paid in full; or (vi) if approved, authorized or ratified in writing by the Majority Lenders or all the Lenders, as the case may be, as provided in Section 13.01. Upon request by the Collateral Agent at any time, the Lenders shall confirm in writing the Collateral Agent's authority to release particular types or items of Collateral pursuant to this Section 12.09, PROVIDED that the absence of any such confirmation for whatever reason shall not affect the Collateral Agent's rights under this Section 12.09. ARTICLE XIII MISCELLANEOUS SECTION 13.01 AMENDMENTS AND WAIVERS. Except as otherwise provided herein or in any other Loan Document, (i) no amendment to any provision of this Agreement or any of the other Loan Documents shall in any event be effective unless the same shall be in writing and signed by the Borrower (and/or any other party thereto, as applicable), the Agent and the Majority Lenders (or the Agent with the written consent of the Majority Lenders); and (ii) no waiver of any provision of this Agreement or any other Loan Document, or consent to any departure by the Borrower or other party therefrom, shall in any event be effective unless the same shall be in writing and signed by the Agent and the Majority Lenders (or the Agent with the consent of the Majority Lenders). Any such amendment, waiver or consent shall be effective only in the specific instance and for the specific purpose for which given. Notwithstanding the foregoing provisions of this Section 13.01, any term or provision of any such other Loan Document may be amended without the agreement or consent of, or prior notice to, the Borrower or other party thereto, to the extent such Loan Document provides for amendments without the agreement or consent of, or notice to, the Borrower or such other party, and any term or provision of Article XII may be amended without the agreement or consent of, or prior notice to, the Borrower; and, unless in writing and signed by all of the Lenders (or by the Agent with the written consent of all the Lenders), no amendment, waiver or consent shall do any of the following: (A) increase the amount, or extend the stated expiration or termination date, of the Commitments of the Lenders; (B) reduce the principal of,or interest on, the Loans or any fee or other amount payable to the Lenders hereunder; 81. (C) postpone any date fixed for any payment in respect of principal of, or interest on, the Loans or any fee or other amount payable to the Lenders hereunder; (D) change the definition of "Majority Lenders" or any definition or provision of this Agreement requiring the approval of Majority Lenders or some other specified amount of Lenders; (E) consent to the assignment or transfer by the Borrower of any of its rights and obligations under the Loan Documents; (F) release any Guaranty or any material portion of the Collateral except as contemplated herein and in the Collateral Documents relating thereto; (G) amend, modify or waive the provisions of Section 7.01, 7.05 or 13.07; or (H) amend, modify or waive the provisions of this Section 13.01; and PROVIDED FURTHER, HOWEVER, that no amendment, waiver or consent (1) shall, unless in writing and signed by the Agent in addition to the Lenders required hereinabove to take such action, affect the rights, obligations or duties of the Agent under any Loan Document; (2) shall, unless in writing and signed by the Collateral Agent in addition to the Lenders required hereinabove to take such action, affect the rights, obligations or duties of the Collateral Agent under any Loan Document; (3) shall, unless in writing and signed by the Issuing Lender in addition to the Lenders required hereinabove to take such action, affect the rights or duties of the Issuing Lender under this Agreement or any L/C-Related Document to which it is a party; or (4) shall, unless in writing and signed by the Swingline Lender in addition to the Lenders required hereinabove to take such action, affect the rights, obligations or duties of the Swingline Lender under any Loan Document; PROVIDED FURTHER, that the Fee Letter and documents evidencing Specified Swap Contracts may be amended, or rights or privileges thereunder waived, in a writing executed by the parties thereto; AND PROVIDED FURTHER, HOWEVER, that, for the avoidance of doubt, it is agreed and acknowledged by and among the Agent, the Borrower and the Lenders that, subject to the immediately preceding proviso, the provisions of subsection 5.03(b) may be amended or waived with the written consent of the Agent, the Borrower and the Majority Lenders. SECTION 13.02 NOTICES. (a) NOTICES. All notices and other communications provided for hereunder and under the other Loan Documents shall, unless otherwise stated herein, be in writing (including by facsimile transmission and, subject to subsection (c), by electronic mail) and mailed, sent or delivered to the respective parties hereto at or to their respective addresses, facsimile numbers or email addresses set forth in Schedule 2, or at or to such other address, facsimile number or email address as shall be designated by any party in a written notice to the other parties hereto. All such notices and communications shall be effective (i) if delivered by hand, when delivered; (ii) if sent by mail, upon the earlier of the date of receipt or five Business Days after deposit in the mail, first class (or air mail, with respect to communications to be sent to or from the United States), postage prepaid; and (iii) if sent by facsimile transmission or electronic mail, when sent; PROVIDED, HOWEVER, that notices and communications to the Agent 82. shall not be effective until actually received by the Agent, and notices to the Issuing Lender pursuant to Article III shall not be effective until actually received by the Issuing Lender. (b) FACSIMILE AND TELEPHONIC NOTICE. The Borrower acknowledges and agrees that the agreement of the Agent and the Lenders herein and in any other Loan Document to receive certain notices by telephone and facsimile is solely for the convenience and at the request of the Borrower. The Agent and the Lenders shall be entitled to rely on the authority of any Person purporting to be a Person authorized by the Borrower to give such notice and the Agent and the Lenders shall not have any liability to the Borrower or other Person on account of any action taken or not taken by the Agent and the Lenders in reliance upon such telephonic or facsimile notice. The obligation of the Borrower to repay the Loans, the drawings under Letters of Credit and the other Obligations shall not be affected in any way or to any extent by any failure by the Agent and the Lenders to receive written confirmation of any telephonic or facsimile notice or the receipt by the Agent and the Lenders of a confirmation which is at variance with the terms understood by the Agent and the Lenders to be contained in the telephonic or facsimile notice. (c) ELECTRONIC MAIL. Electronic mail and internet and intranet websites may be used only to distribute routine communications, such as financial statements and other information, and to distribute Loan Documents for execution by the parties thereto, and may not be used for any other purpose. SECTION 13.03 NO WAIVER; CUMULATIVE REMEDIES. No failure on the part of the Agent, any Lender or the Collateral Agent to exercise, and no delay in exercising, any right, remedy, power or privilege under any Loan Document shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, remedy, power or privilege preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. The rights and remedies under the Loan Documents are cumulative and not exclusive of any rights, remedies, powers and privileges that may otherwise be available to the Agent, any Lender or the Collateral Agent. SECTION 13.04 COSTS AND EXPENSES; INDEMNIFICATION. (a) COSTS AND EXPENSES.The Borrower agrees to pay on demand, whether or not the transactions contemplated hereby shall be consummated: (i) the reasonable out-of-pocket costs and expenses of the Agent, the Issuing Lender and any of their respective Affiliates, and the reasonable fees and disbursements of counsel to the Agent and the Issuing Lender (including allocated costs of internal counsel), in connection with the negotiation, preparation, execution, delivery, syndication (including out-of-pocket expenses in connection with the use of IntraLinks) and administration of the Loan Documents, and any amendments, modifications or waivers of the terms thereof; (ii) all title, appraisal (including the allocated cost of internal appraisal services), survey, audit, environmental inspection, consulting, search, recording, filing and similar costs, fees and expenses incurred or sustained by the Agent or any of its Affiliates in connection with the Loan Documents or the Collateral; and 83. (iii) all costs and expenses of the Agent, the Issuing Lender, their respective Affiliates and the Lenders, and fees and disbursements of counsel (including allocated costs of internal counsel), in connection with (A) any Default, (B) the enforcement or attempted enforcement of, and preservation of any rights or interests under, the Loan Documents, (C) any out-of-court workout or other refinancing or restructuring or any Insolvency Proceeding, and (D) the preservation of and realization upon any of the Collateral, including any losses, costs and expenses sustained by the Agent, the Issuing Lender and any Lender as a result of any failure by the Borrower or any Guarantor to perform or observe its respective obligations contained in the Loan Documents. (b) INDEMNIFICATION. Whether or not the transactions contemplated hereby shall be consummated, the Borrower hereby agrees to indemnify each Agent/IB Related Person, each Lender and any Affiliates, directors, officers, employees, agents, counsel and other advisors (collectively, the "Related Persons") of any Lender (each an "Indemnified Person") against, and hold each of them harmless from, any and all liabilities, obligations, losses, claims, damages, penalties, actions, judgments, suits, costs, expenses or disbursements of any kind or nature whatsoever, including the reasonable fees and disbursements of counsel to an Indemnified Person (including allocated costs of internal counsel), which may be imposed on, incurred by, or asserted against any Indemnified Person, (i) by any Governmental Authority or other third party in any way relating to or arising out of any of the Loan Documents, the Letters of Credit, the use or intended use of the proceeds of the Loans or the transactions contemplated hereby or thereby, (ii) with respect to any investigation, litigation or other proceeding relating to any of the foregoing, irrespective of whether the Indemnified Person shall be designated a party thereto, or (iii) in any way relating to or arising out of the use, generation, manufacture, installation, treatment, storage or presence, or the spillage, leakage, leaching, migration, dumping, deposit, discharge, disposal or release, at any time, of any Hazardous Substances on, under, at or from any Premises, including any personal injury or property damage suffered by any Person, and any investigation, site assessment, environmental audit, feasibility study, monitoring, clean-up, removal, containment, restoration, remedial response or remedial work undertaken by or on behalf of the any Indemnified Person at any time, voluntarily or involuntarily, with respect to the Premises (the "Indemnified Liabilities"); PROVIDED that the Borrower shall not be liable to any Indemnified Person for any portion of such Indemnified Liabilities to the extent they are found by a final decision of a court of competent jurisdiction to have resulted from such Indemnified Person's gross negligence or willful misconduct. If and to the extent that the foregoing indemnification is for any reason held unenforceable, the Borrower agrees to make the maximum contribution to the payment and satisfaction of each of the Indemnified Liabilities which is permissible under applicable law. (c) OTHER CHARGES.The Borrower agrees to indemnify the Agent and each of the Lenders against and hold each of them harmless from any and all present and future stamp, transfer, documentary and other such taxes, levies, fees, assessments and other charges made by any jurisdiction by reason of the execution, delivery, performance and enforcement of the Loan Documents. (d) OBLIGATIONS UNDER EXISTING CREDIT FACILITY. All rights of Rabobank in respect of any indemnification and otherwise for reimbursement or payment of any losses, costs, charges, expenses or disbursements (including fees and disbursements of counsel) under or in 84. respect of the Existing Credit Facility shall survive the execution and delivery of this Agreement and the consummation of the transactions contemplated hereby. SECTION 13.05 RIGHT OF SET-OFF. Upon the occurrence and during the continuance of any Event in Default, each Lender hereby is authorized at any time and from time to time, without notice to the Borrower (any such notice being expressly waived by the Borrower), to set off and apply any and all deposits (general or special, time or demand, provisional or final) at any time held and other indebtedness at any time owing by such Lender to or for the credit or the account of the Borrower against any and all of the Obligations of the Borrower now or hereafter existing under this Agreement and the other Loan Documents, irrespective of whether or not such Lender shall have made any demand under this Agreement or any such other Loan Document and although such Obligations may be unmatured. Each Lender agrees promptly to notify the Borrower (through the Agent) after any such set-off and application made by such Lender; PROVIDED that the failure to give such notice shall not affect the validity of such set-off and application. The rights of each Lender under this Section 13.05 are in addition to other rights and remedies (including other rights of set-off) which such Lender may have. NOTWITHSTANDING THE FOREGOING, NO LENDER SHALL EXERCISE, OR ATTEMPT TO EXERCISE, ANY RIGHT OF SET-OFF, BANKER'S LIEN, OR THE LIKE, AGAINST ANY DEPOSIT ACCOUNT OR PROPERTY OF THE BORROWER OR ANY SUBSIDIARY HELD OR MAINTAINED BY THE LENDER WITHOUT THE PRIOR WRITTEN CONSENT OF THE AGENT AND THE MAJORITY LENDERS. SECTION 13.06 SURVIVAL. All covenants, agreements, representations and warranties made in any Loan Document shall, except to the extent otherwise provided therein, survive the execution and delivery of this Agreement, the making of the Credit Extensions and the execution and delivery of the Notes, and shall continue in full force and effect so long as the Lenders have any Commitments, any Loans or Letters of Credit remain outstanding or any other Obligations remain unpaid or any obligation to perform any other act under any Loan Document remains unsatisfied. Without limiting the generality of the foregoing, the obligations of the Borrower under Sections 6.02, 6.03, 7.03 and 13.04, and of the Lenders under Sections 7.03 and 12.06, and all similar obligations under the other Loan Documents (including all obligations to pay costs and expenses and all indemnity obligations), shall survive the repayment of the Loans, the termination of the Letters of Credit and the termination of the Commitments. SECTION 13.07 OBLIGATIONS SEVERAL. The obligations of the Lenders under the Loan Documents are several. The failure of any Lender or the Agent to carry out its obligations thereunder shall not relieve any other Lender or the Agent of any obligation thereunder, nor shall any Lender or the Agent be responsible for the obligations of, or any action taken or omitted by, any other Person hereunder or thereunder. Nothing contained in any Loan Document shall be deemed to cause any Lender or the Agent to be considered a partner of or joint venturer with any other Lender or Lenders, the Agent, the Guarantors or the Borrower. SECTION 13.08 BENEFITS OF AGREEMENT. The Loan Documents are entered into for the sole protection and benefit of the parties hereto and their successors and assigns, and no other Person (other than any Agent/IB Related Persons and any Related Persons of the Lenders) shall be a direct or indirect beneficiary of, or shall have any direct or indirect cause of action or claim in connection with, any Loan Document. 85. SECTION 13.09 BINDING EFFECT; ASSIGNMENT. (a) BINDING EFFECT. This Agreement shall become effective when it shall have been executed by the Borrower, the Issuing Lender and the Agent and when the Agent shall have been notified by each Lender that such Lender has executed it and thereafter shall be binding upon, inure to the benefit of and be enforceable by the Borrower, the Issuing Lender, the Agent and each Lender and their respective successors and assigns. (b) ASSIGNMENT. The Borrower shall not have the right to assign its rights and obligations hereunder or under the other Loan Documents or any interest herein or therein without the prior written consent of all the Lenders. Each Lender may sell, assign, transfer or grant participations in all or any portion of such Lender's rights and obligations hereunder and under the other Loan Documents to any Lender or Eligible Assignee on the basis set forth below in this subsection. (i) Any Lender may,with the written consent of the Borrower, the Agent and the Issuing Lender (which in each case shall not be unreasonably withheld), at any time assign and delegate to one or more Eligible Assignees all, or any ratable part of all, of the Loans, the Commitments and the other rights and obligations of such Lender hereunder; PROVIDED, HOWEVER, that (i) no written consent of the Borrower shall be required during the existence of a Default; (ii) no written consent of the Borrower or the Agent shall be required in connection with any assignment and delegation by a Lender to an Eligible Assignee that is another Lender or an Affiliate of such Lender; (iii) except in connection with an assignment of all of a Lender's rights and obligations with respect to its Commitment and Loans, any such assignment to an Eligible Assignee that is not a Lender hereunder shall be equal to or greater than $2,000,000, and (iv) any Lender may (1) assign all or any part of its Term Loans separately from its Revolving Loans and Revolving Commitment and (2) assign all or any ratable part of its Revolving Loans and Revolving Commitment separately from its Term Loans. (ii) In the event of any such assignment,unless and until (A) an Assignment and Acceptance shall have been delivered pursuant to clause (i) of Section 12.02(a), (B) the Agent shall have received payment of an administrative transfer charge in the amount of $3,500 from the assigning Lender (unless the assignee shall otherwise agree to pay such charge), and (C) the Agent and the Borrower shall have received all tax forms and documents required under Section 7.03(d), such assignee shall not be entitled to exercise the rights of a Lender under this Agreement and the other Loan Documents with respect to such assignment and the Agent shall not be obligated to make payment of any amount to which such assignee may become entitled thereunder other than to the assigning Lender. Subject to satisfaction of the foregoing conditions in connection with any assignment, upon the effectiveness of such assignment the assignee shall be deemed a "Lender" for all purposes of this Agreement and the other Loan Documents with respect to the rights and obligations assigned to it, and the other Loan Documents with respect to the rights and obligations assigned to it, and the assigning Lender shall, to the extent that rights and obligations hereunder and under the other Loan Documents have been assigned by it pursuant to such Assignment and Acceptance, relinquish its rights and be released from its obligations under the Loan Documents; PROVIDED, HOWEVER, that the assigning Lender shall not relinquish its rights under Article VI or under Sections 7.03 and 13.04 to the extent such rights relate to the time prior to the effective date of the Assignment and Acceptance. 86. (iii) In connection with any partial assignment, upon the request of the assigning Lender or the assignee, (A) the Borrower shall execute and deliver substitute Notes to the assigning Lender or the assignee, dated the effective date of such assignment, setting forth the respective Revolving Commitments of such assigning Lender and assignee as the maximum principal amount thereof (in the case of substitute Revolving Notes), or the principal amount of the Term Loans held by such assigning Lender and assignee (in the case of substitute Term Notes), and containing other appropriate insertions, and the assigning Lender (and assignee, if applicable) shall thereupon return the Notes previously held by it; and (B) Schedules 1 and 2 shall be deemed amended to reflect the adjustment of the Commitments and Pro Rata Shares of the Lenders resulting therefrom and the Lending Office, if any, and address for notices of the assignee. (iv) In the event of any grant of a participation, the granting Lender shall remain a "Lender" for purposes of this Agreement, the Borrower, the Guarantors, the other Lenders, the Issuing Lender and the Agent shall continue to deal solely and directly with such Lender in connection with this Agreement and the other Loan Documents, and no Lender shall transfer or grant any participating interest under which the participant shall have rights to approve any amendment to, or any consent or waiver with respect to, this Agreement or any other Loan Document, except to the extent such amendment, consent or waiver would require unanimous consent of all the Lenders as described in Section 13.01. In the case of any such participation, the participant shall not have any of the rights of a Lender under this Agreement or the other Loan Documents, except that the participant shall (A) be deemed to have a right of setoff under Section 13.05 in respect of its participation to the same extent as if it were a "Lender" hereunder, PROVIDED that such participant shall also be considered a "Lender" for purposes of such Section 13.05 and Section 7.05; and (B) such participant shall also be entitled to the benefits of Sections 6.02, 6.03, 7.03 and 13.04 , PROVIDED that any amounts payable under Sections 6.03 or 7.03 to any participant shall not exceed the amounts which would have been payable by the Borrower thereunder to the Lender granting such participation. (v) The Borrower agrees that in connection with any such grant or assignment, such Lender may deliver to the prospective participant or assignee financial statements and other relevant information relating to the Borrower and its Subsidiaries. (vi) Each Lender shall obtain from any such prospective participant or assignee a confidentiality agreement in which such participant or assignee agrees to an obligation of confidentiality substantially similar to the terms of Section 13.14. SECTION 13.10 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK. SECTION 13.11 SUBMISSION TO JURISDICTION. The Borrower hereby (i) submits to the non-exclusive jurisdiction of the courts of the State of New York and the Federal courts of the United States sitting in the State of New York for the purpose of any action or proceeding arising out of or relating to the Loan Documents, (ii) agrees that all claims in respect of any such action or proceeding may be heard and determined in such courts, (iii) irrevocably waives (to the extent permitted by applicable law) any objection which it now or 87. hereafter may have to the laying of venue of any such action or proceeding brought in any of the foregoing courts, and any objection on the ground that any such action or proceeding in any such court has been brought in an inconvenient forum and (iv) agrees that a final judgment in any such action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner permitted by law. (a) NO LIMITATION. Nothing in this Section 13.11 shall limit the right of the Agent, the Lenders or the Collateral Agent to bring any action or proceeding against the Borrower or its property in the courts of other jurisdictions. SECTION 13.12 WAIVER OF JURY TRIAL. THE BORROWER, THE LENDERS AND THE AGENT HEREBY AGREE TO WAIVE THEIR RESPECTIVE RIGHTS TO A TRIAL BY JURY OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING OUT OF OR RELATED TO THIS AGREEMENT, THE OTHER LOAN DOCUMENTS OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY IN ANY ACTION, PROCEEDING OR OTHER LITIGATION OF ANY TYPE BROUGHT BY ANY OF THE PARTIES AGAINST ANY OTHER PARTY OR PARTIES, WHETHER WITH RESPECT TO CONTRACT CLAIMS, TORT CLAIMS, OR OTHERWISE. THE BORROWER, THE LENDERS AND THE AGENT HEREBY AGREE THAT ANY SUCH CLAIM OR CAUSE OF ACTION SHALL BE TRIED BY A COURT TRIAL WITHOUT A JURY. WITHOUT IN ANY WAY LIMITING THE FOREGOING, THE PARTIES FURTHER AGREE THAT THEIR RESPECTIVE RIGHT TO A TRIAL BY JURY IS WAIVED BY OPERATION OF THIS SECTION AS TO ANY ACTION, COUNTERCLAIM, OR OTHER PROCEEDING WHICH SEEKS, IN WHOLE OR IN PART, TO CHALLENGE THE VALIDITY OR ENFORCEABILITY OF THIS AGREEMENT OR THE OTHER LOAN DOCUMENTS OR ANY PROVISION HEREOF OR THEREOF. THIS WAIVER SHALL APPLY TO ANY SUBSEQUENT AMENDMENTS, RENEWALS, SUPPLEMENTS OR MODIFICATIONS TO THIS AGREEMENT AND THE OTHER LOAN DOCUMENTS. A COPY OF THIS SECTION 13.12 MAY BE FILED WITH ANY COURT AS WRITTEN EVIDENCE OF THE WAIVER OF THE RIGHT TO TRIAL BY JURY AND CONSENT TO TRIAL BY COURT. THIS SECTION 13.12 MAY NOT BE AMENDED, MODIFIED, TERMINATED OR WAIVED EXCEPT BY A WRITING WHICH MAKES SPECIFIC REFERENCE TO THIS SECTION 13.12. SECTION 13.13 LIMITATION ON LIABILITY. No claim shall be made by the Borrower or its Affiliates against any Agent/IB Related Person, or the Lenders or any of their respective Related Persons, for any special, indirect, exemplary, consequential or punitive damages in respect of any breach or wrongful conduct (whether or not the claim therefor is based on contract, tort or duty imposed by law), in connection with, arising out of or in any way related to the transactions contemplated by the Loan Documents or any act or omission or event occurring in connection therewith; and the Borrower hereby waives, releases and agrees not to sue upon any such claim for any such damages, whether or not accrued and whether or not known or suspected to exist in its favor. SECTION 13.14 CONFIDENTIALITY. Each Lender, the Issuing Lender and the Agent shall hold all non-public information relating to the Borrower and its Subsidiaries 88. obtained by it under this Agreement in accordance with its customary procedures for handling confidential information of this nature, which in no event shall be less protective than the procedures such Lender, Issuing Lender or Agent employs with respect to its own confidential information of a like kind and no less protective than is required by applicable laws, including U.S. federal securities laws and regulations governing the disclosure and use of material non-public information, except for: (i) disclosure to its Affiliates or to its counsel or to any agent or advisor acting on its behalf in connection with the negotiation, execution or performance of the Loan Documents; (ii) disclosure as reasonably required in connection with a transfer to a prospective assignee or participant of all or part of its Loans or any participation therein, as provided in Section 13.09(b); (iii) disclosure as may be required or requested by any Governmental Authority or representative thereof or pursuant to legal process; (iv) disclosure to any Person and in any proceeding necessary in such Lender's, the Issuing Lender's or the Agent's judgment to protect its interests in connection with any claim or dispute involving such Lender, the Issuing Lender or the Agent; (v) disclosure to any direct or indirect contractual counterparty or prospective counterparty (or such contractual counterparty's or prospective counterparty's professional advisor) to any credit derivative transaction relating to any Obligations; (vi) disclosure to the National Association of Insurance Commissioners or any other similar organization or any nationally recognized rating agency that requires access to information about a Lender's or its Affiliates' investment portfolio in connection with ratings issued with respect to such Lender or its Affiliates; and (vii) any other disclosure with the prior written consent of the Borrower. In addition, the Agent and the Lenders may disclose the existence of this Agreement and information about this Agreement to market data collectors, similar service providers to the lending industry, and service providers to the Agent and the Lenders in connection with the administration and management of this Agreement and the other Loan Documents. Prior to any disclosure by any Lender, the Issuing Lender or the Agent of such non-public information permitted under clause (iii) (other than in connection with an examination of the financial condition of such Lender, the Agent or any of their Affiliates by any Governmental Authority), it shall, if permitted by applicable laws or judicial order, notify the Borrower of such pending disclosure. In no event shall any Lender, the Issuing Lender or the Agent be obligated or required to return any materials furnished by the Borrower or its Subsidiaries. Notwithstanding the foregoing, such obligation of confidentiality shall not apply if the information or substantially similar information (A) is rightfully received by any Lender, the Issuing Lender or the Agent from a Person other than the Borrower or any of its Affiliates without such Lender, the Issuing Lender or the Agent being under an obligation to such Person not to disclose such information, or (B) is or becomes part of the public domain. SECTION 13.15 ENTIRE AGREEMENT. The Loan Documents reflect the entire agreement among the Borrower, the Lenders and the Agent with respect to the matters set forth herein and therein and supersede any prior agreements, commitments, drafts, communications, discussions and understandings, oral or written, with respect thereto. SECTION 13.16 PAYMENTS SET ASIDE. To the extent that any payment by or on behalf of the Borrower is made to the Agent or any Lender, or the Agent or any Lender exercises its right of set-off, and such payment or the proceeds of such set-off or any part thereof is subsequently invalidated, declared to be fraudulent or preferential, set aside or required (including pursuant to any settlement entered into by the Agent or such Lender in its discretion) to be repaid to a trustee, receiver or any other party, in connection with any proceeding under the 89. Bankruptcy Code or other U.S. Federal, state or foreign liquidation, conservatorship, bankruptcy, assignment for the benefit of creditors, moratorium, rearrangement, receivership, insolvency, reorganization, or similar debtor relief laws, or otherwise, then (a) to the extent of such recovery, the obligation or part thereof originally intended to be satisfied shall be revived and continued in full force and effect as if such payment had not been made or such set-off had not occurred, and (b) each Lender severally agrees to pay to the Agent upon demand its applicable share of any amount so recovered from or repaid by the Agent, plus interest thereon from the date of such demand to the date such payment is made at a rate per annum equal to the Federal Funds Rate from time to time in effect. SECTION 13.17 SEVERABILITY. Whenever possible, each provision of the Loan Documents shall be interpreted in such manner as to be effective and valid under all applicable laws and regulations. If, however, any provision of any of the Loan Documents shall be prohibited by or invalid under any such law or regulation in any jurisdiction, it shall, as to such jurisdiction, be deemed modified to conform to the minimum requirements of such law or regulation, or, if for any reason it is not deemed so modified, it shall be ineffective and invalid only to the extent of such prohibition or invalidity without affecting the remaining provisions of such Loan Document, or the validity or effectiveness of such provision in any other jurisdiction. SECTION 13.18 COUNTERPARTS. This Agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute but one and the same agreement. [SIGNATURE PAGES FOLLOW.] 90. IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement, as of the date first above written. THE BORROWER THE CHALONE WINE GROUP, LTD By:____________________________________ Name:__________________________________ Title:_________________________________ THE AGENT COOPERATIEVE CENTRALE RAIFFEISEN- BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, as Agent By:____________________________________ Name:__________________________________ Title:_________________________________ By:____________________________________ Name:__________________________________ Title:_________________________________ 91. THE LENDERS COOPERATIEVE CENTRALE RAIFFEISEN- BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, as Issuing Lender, as Swingline Lender and as a Lender By:____________________________________ Name:__________________________________ Title:_________________________________ By:____________________________________ Name:__________________________________ Title:_________________________________ 92. FARM CREDIT WEST FLCA By:____________________________________ Name:__________________________________ Title:_________________________________ 93. U.S. BANK NATIONAL ASSOCIATION By:____________________________________ Name:__________________________________ Title:_________________________________ 94. COMERICA BANK-CALIFORNIA By:____________________________________ Name:__________________________________ Title:_________________________________ 95. ANNEX I PRICING GRID From the Closing Date until the date on which the Borrower delivers a Compliance Certificate pursuant to Section 10.01(a)(iii) of the Credit Agreement for the fiscal quarter ending March 31, 2002 (the "INITIAL PERIOD"), the Applicable Margin and the Applicable Fee Amount shall be fixed at Level 2. From and after the last day of the Initial Period, the Applicable Margin and the Applicable Fee Amount for any day shall be the amount per annum set forth below based on the Leverage Ratio set forth in the most recently delivered Compliance Certificate delivered by the Borrower pursuant to Section 10.01(a)(iii) of the Credit Agreement. Changes in the Applicable Margin and the Applicable Fee Amount resulting from a change in the Leverage Ratio shall become effective on the date of delivery by the Borrower to the Agent of a new Compliance Certificate pursuant to Section 10.01(a)(iii), except that no such change shall take effect until the end of the Initial Period. If the Borrower shall fail to deliver a Compliance Certificate and accompanying financial statements within the number of days after the end of any fiscal quarter or fiscal year as required pursuant to Section 10.01(a), the parties agree that the Applicable Margin and the Applicable Fee Amount shall be fixed at Level 1 until such time as the Borrower delivers such new Compliance Certificate and accompanying financial statements pursuant to Section 10.01(a). =============================================================================================================================== REVOLVING TERM TERM LOAN REVOLVING LOAN LOAN LOAN EURODOLLAR BASE RATE COMMITMENT EURODOLLAR BASE RATE LETTER OF LEVEL LEVERAGE RATIO RATE SPREAD SPREAD FEE RATE SPREAD SPREAD CREDIT FEE =============================================================================================================================== Level 1 greater than or 2.25% 1.00% 0.45% 2.75% 1.50% 2.25% equal to 5.50 to 1.00 _______________________________________________________________________________________________________________________________ Level 2 greater than or 2.00% 0.75% 0.375% 2.50% 1.25% 2.00% equal to 4.50 to 1.00 and less than 5.50 to 1.00 _______________________________________________________________________________________________________________________________ Level 3 greater than or 1.75% 0.50% 0.375% 2.25% 1.00% 1.75% equal to 3.50 to 1.00 and less than 4.50 to 1.00 _______________________________________________________________________________________________________________________________ Level 4 less than 3.50 to 1.25% 0.00% 0.25% 1.75% 0.50% 1.25% 1.00 _______________________________________________________________________________________________________________________________ 96. SCHEDULE 1 to the Credit Agreement COMMITMENTS AND PRO RATA SHARES 1. REVOLVING LOANS ____________________________________________________________________________________________________________ BANK REVOLVING COMMITMENT PRO RATA SHARE ____________________________________________________________________________________________________________ Cooperatieve Centrale $25,000,000.00 45.454545454% Raiffeisen-Boerenleenbank B.A. ____________________________________________________________________________________________________________ U.S. Bank National Association $15,000,000.00 27.272727273% ____________________________________________________________________________________________________________ Comerica Bank $15,000,000.00 27.272727273% ____________________________________________________________________________________________________________ ____________________________________________________________________________________________________________ TOTAL $55,000,000.00 100% ____________________________________________________________________________________________________________ 2. TERM LOANS ____________________________________________________________________________________________________________ BANK TERM COMMITMENT PRO RATA SHARE ____________________________________________________________________________________________________________ Farm Credit West, FLCA $17,500,000.00 100% ____________________________________________________________________________________________________________ ____________________________________________________________________________________________________________ TOTAL $17,500,000.00 100% ____________________________________________________________________________________________________________ S-1. EX-10.55 5 ex10-55.txt NOTE AGREEMENT EXECUTION COPY ________________________________________________________________________________ THE CHALONE WINE GROUP, LTD. $5,000,000 Adjustable Rate Senior Secured Notes, Series A, Due September 15, 2010 $10,000,000 Adjustable Rate Senior Secured Notes, Series B, Due September 15, 2010 $15,000,000 Adjustable Rate Senior Secured Notes, Series C, Due September 15, 2010 _______________________ AMENDED AND RESTATED NOTE PURCHASE AGREEMENT _______________________ Dated as of April 19, 2002 ________________________________________________________________________________ TABLE OF CONTENTS PAGE 1. Amendment and Restatement; Guaranties; Security...........................1 1.1 Amendment and Restated Note Purchase Agreement and Notes..........1 1.2 Guarantee ........................................................2 1.3 Security for the Notes and Subsidiary Guarantee Agreements .......2 1.4 Intercreditor Agreement ..........................................2 2. Issuance and Exchange Of Notes ...........................................3 3. Closing...................................................................3 4. Conditions To Closing ....................................................3 4.1 Representations and Warranties ...................................3 4.2 Performance; No Default...........................................3 4.3 Compliance Certificates ..........................................3 4.4 Opinions of Counsel...............................................4 4.5 Original Subsidiary Guarantee Agreement...........................4 4.6 Purchase Permitted By Applicable Law, etc ........................4 4.7 Exchange of Other Notes ..........................................5 4.8 Payment of Special Counsel Fees ..................................5 4.9 Private Placement Number..........................................5 4.10 Changes in Corporate Structure ..................................5 4.11 Collateral Documents; Related Transactions; Collateral Due Diligence .....................................................5 4.12 Consent of Other Holders.........................................6 4.13 Pro-Forma Debt to EBITDA Ratio ..................................6 4.14 Proceedings and Documents .......................................7 5. Representations And Warranties Of The Company.............................7 5.1 Organization; Power and Authority.........................................7 5.2 Authorization, etc........................................................7 5.3 Disclosure................................................................8 5.4 Organization and Ownership of Shares of Subsidiaries; Affiliates..........8 -i- TABLE OF CONTENTS (CONTINUED) PAGE 5.5 Financial Statements .............................................9 5.6 Compliance with Laws and Instruments .............................9 5.7 Governmental Authorizations, etc..................................9 5.8 Litigation; Observance of Agreements, Statutes and Orders ........9 5.9 Taxes ...........................................................10 5.10 Title to Property; Leases.......................................10 5.11 Licenses, Permits, etc. ........................................10 5.12 Compliance with ERISA...........................................11 5.13 Intentionally Omitted ..........................................12 5.14 Use of Proceeds; Margin Regulations ............................12 5.15 Existing Debt; Future Liens ....................................12 5.16 Intentionally Omitted ..........................................12 5.17 Status under Certain Statutes...................................12 5.18 Environmental Matters...........................................12 5.19 [Intentionally Omitted].........................................13 5.20 Solvency........................................................13 5.21 Consolidated and Integrated Business of the Company and its Restricted Subsidiaries...................................14 5.22 No Burdensome Restrictions......................................14 5.23 Matters Relating to the Collateral .............................14 5.24 Credit Agreement Representations................................15 6. Representations Of The Purchasers........................................15 6.1 Purchase for Investment .........................................15 6.2 Source of Funds..................................................15 7. Information As To Company................................................16 7.1 Financial and Business Information ..............................16 7.2 Additional Information...........................................18 -ii- TABLE OF CONTENTS (CONTINUED) PAGE 7.3 Inspection ......................................................20 8. Prepayment Of The Notes .................................................20 8.1 Required Prepayments.............................................20 8.2 Optional Prepayments with Make-Whole Amount .....................21 8.3 Allocation of Partial Prepayments................................22 8.4 Maturity; Surrender, etc. .......................................22 8.5 Purchase of Notes................................................22 8.6 Make-Whole Amount................................................22 9. Affirmative Covenants ...................................................24 9.1 Compliance with Law .............................................24 9.2 Insurance .......................................................24 9.3 Maintenance of Properties; Action under Environmental Laws ......25 9.4 Payment of Taxes and Claims .....................................25 9.5 Corporate Existence, etc.........................................26 9.6 [Intentionally Omitted.].........................................26 9.7 Further Assurances and Additional Acts...........................26 9.8 Proceeds of Events of Loss ......................................27 9.9 Post-Closing Matters ............................................27 10. Negative Covenants.......................................................27 10.1 Transactions with Affiliates ...................................27 10.2 Restrictions on Fundamental Changes ............................27 10.3 Liens; Negative Pledges ........................................28 10.4 Financial Covenants ............................................28 10.5 Indebtedness ...................................................30 10.6 Intentionally Omitted ..........................................32 10.7 Distributions...................................................32 10.8 Loans and Investments ..........................................33 -iii- TABLE OF CONTENTS (CONTINUED) PAGE 10.9 Sale of Assets .................................................34 10.10 Limitations on Sale-and-Leaseback Transactions ................34 10.11 Subsidiary Guarantors .........................................35 10.12 Line of Business ..............................................36 10.13 Change of Control .............................................36 10.14 Amendments of Certain Documents ...............................36 10.15 Redemption of Subordinated Debt................................37 10.16 Hazardous Substances ..........................................37 10.17 Accounting Changes.............................................37 10.18 Foreign Subsidiaries...........................................37 11. Events Of Default........................................................37 12. Remedies On Default, Etc.................................................40 12.1 Acceleration ...................................................40 12.2 Other Remedies .................................................41 12.3 Rescission......................................................41 12.4 No Waivers or Election of Remedies, Expenses, etc. .............42 13. Registration; Exchange; Substitution Of Notes ...........................42 13.1 Registration of Notes...........................................42 13.2 Transfer and Exchange of Notes .................................42 13.3 Replacement of Notes ...........................................43 14. Payment Of Notes ........................................................43 14.1 Place of Payment ...............................................43 14.2 Home Office Payment ............................................43 15. Expenses, Etc. ..........................................................44 15.1 Transaction Expenses............................................44 15.2 Survival .......................................................44 16. Survival Of Representations And Warranties; Entire Agreement.............44 -iv- TABLE OF CONTENTS (CONTINUED) PAGE 17. Amendment And Waiver ....................................................45 17.1 Requirements....................................................45 17.2 Solicitation of Holders of Notes................................45 17.3 Binding Effect, etc.............................................45 17.4 Notes Held by Company, etc......................................46 18. Notices..................................................................46 19. Reproduction Of Documents................................................46 20. Confidential Information.................................................47 21. Substitution Of Purchaser; Participation ................................48 22. Miscellaneous............................................................48 22.1 Successors and Assigns..........................................48 22.2 Payments Due on Non-Business Days ..............................48 22.3 Severability....................................................49 22.4 Construction ...................................................49 22.5 Counterparts ...................................................49 22.6 Governing Law; Jurisdiction and Service of Process..............49 22.7 Agents for Service of Process ..................................50 22.8 Waiver of Jury Trial ...........................................50 -v- TABLE OF CONTENTS (CONTINUED) SCHEDULES Schedule A Information Relating to Purchasers Schedule B Defined Terms Schedule 4.10 Corporate Changes Schedule 5.4 Subsidiaries Schedule 5.5 Financial Statements Schedule 5.8 Litigation Schedule 5.11 Licenses Schedule 5.15 Existing Debt; Existing Liens Schedule 10.9 Specified Assets EXHIBITS Exhibit 1-A Form of Series A Note Exhibit 1-B Form of Series B Note Exhibit 1-C Form of Series C Note Exhibit 4.4(a) Form of Opinion of Counsel for the Company Exhibit 4.4(b) Form of Opinion of Special Washington Counsel for the Purchasers Exhibit 4.5 Form of Subsidiary Guarantee Agreement Exhibit 10.11(a) Representations and Warranties of Original Subsidiary Guarantors Exhibit A Form of Deed of Trust Exhibit B Form of Environmental Indemnity Exhibit C Form of Patent and Trademark Security Agreement Exhibit D Form of Security Agreement Exhibit E Form of Intercreditor Agreement Exhibit F Form of Compliance Certificate Exhibit G Form of Update Certificate -vi- THE CHALONE WINE GROUP, LTD. 621 Airpark Road Napa, California 94558 $ 5,000,000 Adjustable Rate Senior Secured Notes, Series A, Due September 15, 2010 $ 10,000,000 Adjustable Rate Senior Secured Notes, Series B, Due September 15, 2010 $ 15,000,000 Adjustable Rate Senior Secured Notes, Series C, Due September 15, 2010 April 19, 2002 TO EACH OF THE PURCHASERS LISTED IN THE ATTACHED SCHEDULE A: Ladies and Gentlemen: THE CHALONE WINE GROUP, LTD., a California corporation (the "Company"), in consideration of the mutual promises herein contained and for other good and valuable consideration agrees with each of the purchasers named in Schedule A to this Agreement (the "Purchasers") as follows: 1. AMENDMENT AND RESTATEMENT; GUARANTIES; SECURITY 1.1 Amendment and Restated Note Purchase Agreement and Notes. The Purchasers and the Company are parties to that certain Note Purchase Agreement dated as of September 15, 2000 as amended by the First Amendment, Consent and Waiver dated as of February 9, 2001 (as so amended, the "Original Note Purchase Agreement"), pursuant to which the Company authorized the issue and sale of, and the Purchasers purchased, the (i) $5,000,000 8.90% Senior Guaranteed Notes, Series A, Due September 15, 2010 (the "Original Series A Notes"); (ii) $10,000,000 8.93% Senior Guaranteed Notes, Series B, Due September 15, 2010 (the "Original Series B Notes"); and (iii) $15,000,000 9.05% Senior Guaranteed Notes, Series C, Due September 15, 2010 (the "Original Series C Notes", and together with the Original Series A Notes and the Original Series B Notes, the "Original Notes"). On the Closing (as defined below) the company will amend and restate the Original Notes in the form of Exhibit 1. Reference in this Agreement to the "Series A Notes" shall be a reference to the Original Series A Notes as amended and restated in the form of Exhibit 1-A. Reference in this Agreement to the "Series B Notes" shall be a reference to the Original Series B Notes as amended and restated in the form of Exhibit 1-B. Reference in this Agreement to the "Series C Notes" shall be a reference to the Original Series C Notes as amended and restated in the form of Exhibit 1-C. Reference in this Agreement to the "Notes" shall be a reference to the Original Notes as so amended and restated in said Exhibit 1 with such changes therefrom, if any, as may be approved by you and the Company. Each of the Notes shall bear interest from the date thereof until such Note shall become due and payable in accordance with the terms thereof and hereof (whether at maturity, by acceleration or otherwise) at the applicable Adjustable Rate. Interest on each Note shall be computed on the basis of a 360 day year of twelve 30 day months. Notwithstanding the foregoing, the Company shall pay interest on any overdue payment (including any overdue prepayment) of principal, any overdue payment of interest and any overdue payment of any Make-Whole Amount at the applicable Default Rate in accordance with the Notes. Certain capitalized terms used in this Agreement are defined in Schedule B; references to a "Schedule" or an "Exhibit" are, unless otherwise specified, to a Schedule or an Exhibit attached to this Agreement. The Company and the Purchasers now desire to amend and restate the Original Note Purchase Agreement and the Original Notes to, among other things, (a) amend certain covenants and related definitions, (b) provide for additional collateral to secure the obligations represented by the Notes and the Guarantee, (c) waive certain Defaults and Events of Default existing under the Original Note Purchase Agreement and (d) make certain other changes to the Original Note Purchase Agreement. 1.2 Guarantee. The payment and performance obligations of the Company under and pursuant to this Agreement and the Notes are to be fully and unconditionally guaranteed by each of the Subsidiary Guarantors pursuant to the Subsidiary Guarantee Agreements. 1.3 Security for the Notes and Subsidiary Guarantee Agreements. The Notes and the obligations of the Subsidiary Guarantors under the Subsidiary Guarantee Agreements shall be secured, equally and ratably, by the Collateral Documents. 1.4 Intercreditor Agreement. The collateral described in the Collateral Documents shall be held by Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch, as Collateral Agent for the benefit of the Purchasers and the Bank Lenders (the "Collateral Agent") pursuant to the Intercreditor and Collateral Agency Agreement dated as of the date hereof and in substantially the form attached hereto as Exhibit E (the "Intercreditor Agreement") among the Purchasers, the Collateral Agent and the banks which are parties to the Credit Agreement (the "Bank Lenders"). The Intercreditor Agreement shall recognize (a) the first perfected interest and rights of the Purchasers and the Bank Term Lenders in the Real Estate Collateral, (b) the second perfected interest and rights of the Bank Revolver Lenders in the Real Estate Collateral, (c) the first perfected interest and rights of the Bank Revolver Lenders in the Accounts and Inventory Collateral, (d) the second perfected interest and rights of the Purchasers and the Bank Term Lenders in the Accounts and Inventory Collateral, and (e) the pari passu perfected interest and rights of the Purchasers and the Bank Lenders in the Intellectual Property Collateral. -2- 2. ISSUANCE AND EXCHANGE OF NOTES. Subject to the terms and conditions of this Agreement, the Company will issue the amended and restated Notes to each Purchaser upon surrender by them of the Original Notes for cancellation by the Company. The obligation of each Purchaser shall be several and not joint and no Purchaser shall have any obligation or any liability to any Person for the performance or nonperformance by any other Purchaser hereunder. 3. CLOSING. The issue and exchange of the Notes shall occur at the offices of Farella Braun & Martel LLP, at 10:00 a.m., Central time, at a closing (the "CLOSING") on April 19, 2002 or on such other Business Day thereafter on or prior to April 30, 2002 as may be agreed upon by the Company and the Purchasers (the "CLOSING DATE"). If at the Closing the Company shall fail to tender such Notes to be purchased by any Purchaser as provided above in this Section 3, or any of the conditions specified in Section 4 shall not have been fulfilled to such Purchaser's satisfaction, such Purchaser shall, at its election, be relieved of all further obligations under this Agreement, without thereby waiving any rights such Purchaser may have by reason of such failure or such non-fulfillment. 4. CONDITIONS TO CLOSING. Each Purchaser's obligation to exchange the Original Notes for the Notes to be issued to such Purchaser at the Closing is subject to the fulfillment to such Purchaser's satisfaction, prior to or at the Closing, of the following conditions: 4.1 Representations and Warranties. The representations and warranties of the Company in this Agreement, and the representations and warranties of the Original Subsidiary Guarantors contained in Exhibit 10.11(a) to this Agreement, shall be correct when made and at the time of the Closing. 4.2 Performance; No Default. The Company and each of the Original Subsidiary Guarantors shall have performed and complied with all agreements and conditions contained in this Agreement, the Collateral Documents and the Subsidiary Guarantee Agreements required to be performed or complied with by it prior to or at the Closing and after giving effect to the issue and exchange of the Notes and no Default or Event of Default shall have occurred and be continuing. 4.3 Compliance Certificates. (a) Officer's Certificate of the Company. The Company shall have delivered to you an Officer's Certificate, dated the date of the Closing, certifying that the conditions specified in Sections 4.1, 4.2 and 4.10 have been fulfilled. -3- (b) Secretary's Certificate of the Company.The Company shall have delivered to you a certificate certifying as to the resolutions attached thereto and other corporate proceedings relating to the authorization, execution and delivery of the Notes, this Agreement and the Collateral Documents. (c) Officer's Certificate of the Guarantors. Each Original Subsidiary Guarantor shall have delivered to you an Officer's Certificate, dated the date of the Closing, certifying that the conditions specified in Sections 4.1, 4.2 and 4.10 have been fulfilled in respect of such Original Subsidiary Guarantor. (d) Secretary's Certificate of the Guarantors. Each Original Subsidiary Guarantor shall have delivered to you a certificate certifying as to the resolutions attached thereto and other corporate proceedings relating to the authorization, execution and delivery of the subject Original Subsidiary Guarantee Agreement and the subject Collateral Documents. 4.4 Opinions of Counsel. You shall have received opinions in form and substance satisfactory to you, dated the date of the Closing (a) from Farella Braun & Martel LLP, counsel for the Company and the Original Subsidiary Guarantors, covering the matters set forth in Exhibit 4.4(a) and covering such other matters incident to the transactions contemplated hereby as you or your counsel may reasonably request (and the Company hereby instructs its counsel to deliver such opinion to you) and (b) from Davis Wright Termaine LLP, your special Washington local real estate counsel in connection with such transactions, substantially in the form set forth in Exhibit 4.4(b) and covering such other matters incident to such transactions as each Purchaser may reasonably request. 4.5 Original Subsidiary Guarantee Agreement. You shall have received a counterpart original of a Subsidiary Guarantee Agreement, duly executed and delivered by each of the Original Subsidiary Guarantors, in substantially the form set forth in Exhibit 4.5 (collectively, the "Subsidiary Guarantee Agreements"), together with such other documents as to each Original Subsidiary Guarantor as are sufficient to comply with Section 10.11, and each Subsidiary Guarantee Agreement shall be in full force and effect. 4.6 Purchase Permitted By Applicable Law, etc. On the Closing Date each Purchaser's exchange of Notes shall (i) be permitted by the laws and regulations of each jurisdiction to which it is subject, without recourse to provisions (such as Section 1405(a)(8) of the New York Insurance Law) permitting limited investments by insurance companies without restriction as to the character of the particular investment, (ii) not violate any applicable law or regulation (including, without limitation, Regulation U, T or X of the Board of Governors of the Federal Reserve System) and (iii) not subject any Purchaser to any tax, penalty or liability under or pursuant to any applicable law or regulation, which law or regulation was not in effect on the date hereof. If requested by any Purchaser, such Purchaser shall have received an Officer's Certificate certifying as to such matters of fact as such Purchaser -4- may reasonably specify to enable such Purchaser to determine whether such exchange is so permitted. 4.7 Exchange of Other Notes. Contemporaneously with the Closing the Company shall issue the Notes to the Purchasers and the Purchasers shall exchange the Original Notes to be exchanged by them at the Closing as specified in Schedule A. 4.8 Payment of Special Counsel Fees. Without limiting the provisions of Section 15.1, the Company shall have paid on or before the Closing the reasonable fees, charges and disbursements of McDermott, Will & Emery, the Purchasers' special counsel and the Purchasers' special Washington local real estate counsel referred to in Section 4.4 to the extent reflected in a statement of each such counsel rendered to the Company at least one Business Day prior to the Closing. 4.9 Private Placement Number. A Private Placement number issued by Standard & Poor's CUSIP Service Bureau (in cooperation with the Securities Valuation Office of the National Association of Insurance Commissioners) shall have been obtained for each series of the Notes, if necessary. 4.10 Changes in Corporate Structure. Except as specified in Schedule 4.10, neither the Company nor any Original Subsidiary Guarantor shall have changed its jurisdiction of incorporation or been a party to any merger or consolidation nor shall it have succeeded to all or any substantial part of the liabilities of any other entity, at any time following the date of the most recent financial statements referred to in Schedule 5.5. 4.11 Collateral Documents; Related Transactions; Collateral Due Diligence. (a) Each of the Collateral Documents shall have been duly executed and delivered in the respective forms thereof and shall be in full force and effect and all of the security interests granted thereunder shall be duly perfected to the satisfaction of the Purchasers. (b) The Credit Agreement and the Intercreditor Agreement shall have been duly executed and delivered by the parties thereto and all of the transactions contemplated thereby shall have been consummated to the satisfaction of the Purchasers. (c) The Purchasers shall have received the following, in form and substance satisfactory to the Purchasers: (i) evidence that all filings, registrations and recordings have been made in the appropriate governmental offices, and all other action has been taken, which shall be necessary to create, in favor of the Collateral Agent on behalf of the Purchasers, a -5- perfected first or second, as the case may be, priority Lien on the Collateral, including evidence of recordation of the Deeds of Trust (which may consist of a written or telephonic confirmation from the title insurance company), and filing of completed UCC-1 financing statements, in each case in the appropriate governmental offices; (ii) the results, dated as of a recent date prior to the Closing Date, of searches conducted (A) in the UCC filing records in each of the governmental offices in each jurisdiction in which personal property and fixture Collateral is located, and (B) of the records maintained by the U.S. Patent and Trademark Office and Copyright Office with respect to all United States patents and patent applications and all United States registered trademarks and United States registered copyrights constituting Collateral, which shall have revealed no Liens with respect to any of the Collateral except Permitted Liens; (iii) a title insurance policy ( or a binding commitment therefor) for the Deeds of Trust (A) issued by a title insurance company of recognized standing satisfactory to the Purchasers, (B) on an ALTA lender's extended coverage policy, in an amount and form satisfactory to the Purchasers, (C) naming the Collateral Agent, for the ratable benefit of the Secured Parties, as the insured thereunder, (D) insuring that the Deeds of Trust insured thereby create a valid first priority Lien on the property covered by each such Deed of Trust, subject to no other Liens, other than Permitted Liens, and to no other exceptions, other than those satisfactory to the Purchasers, and (E) containing such endorsements and affirmative coverage as the Purchasers or any Lender (through the Purchasers) may reasonably request; and (iv) such surveys, appraisals, collateral audits, consents of landlords, estoppels from landlords, tenant subordination agreements and other documents and instruments in connection with the Deeds of Trust as shall reasonably be deemed necessary by the Purchasers. 4.12 Consent of Other Holders. Any consents or approvals required to be obtained from any Holder or holder of any outstanding debt of the Company or any Original Subsidiary Guarantor and any amendments of agreements pursuant to which any debt may have been incurred by the Company or any Original Subsidiary Guarantor, which shall be necessary to permit the consummation of the transactions contemplated hereby shall have been obtained and all such consents, approvals or amendments shall be satisfactory in form and substance to each Purchaser and special counsel to the Purchasers. 4.13 Pro-Forma Debt to EBITDA Ratio. The ratio of (a) Consolidated Indebtedness PLUS six times Consolidated Rent Expense to (b) Consolidated EBITDA (measured on a trailing 12-month basis) plus one times Consolidated Rent Expense, in each case, measured on a trailing 12-month basis, shall not be greater than 5.75 to 1.00, measured on a pro forma basis (after giving effect to the transactions and borrowings -6- contemplated hereunder and under the Credit Agreement) as of the last day of the immediately preceding fiscal month. 4.14 Proceedings and Documents. All corporate and other proceedings in connection with the transactions contemplated by this Agreement and all documents and instruments incident to such transactions shall be satisfactory to each Purchaser and the Purchasers' special counsel, and each Purchaser and the Purchasers' special counsel shall have received all such counterpart originals or certified or other copies of such documents as each Purchaser or special counsel to the Purchasers' may reasonably request. 5. REPRESENTATIONS AND WARRANTIES OF THE COMPANY. The Company represents and warrants to the Purchasers that: 5.1 Organization; Power and Authority. The Company is a corporation duly organized, validly existing and in good standing under the laws of its jurisdiction of organization, and is duly qualified as a foreign corporation or other legal entity and is in good standing in each jurisdiction in which such qualification is required by law, other than those jurisdictions as to which the failure to be so qualified or in good standing would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect. The Company has the corporate or other legal entity power and authority to own or hold under lease the properties it purports to own or hold under lease, to transact the business it transacts and proposes to transact, to execute and deliver this Agreement, the Collateral Documents and the Notes and to perform the provisions hereof and thereof. 5.2 Authorization, etc. This Agreement, the Collateral Documents and the Notes have been duly authorized by all necessary corporate or other legal entity action on the part of the Company, and this Agreement and the Collateral Documents constitute, the legal, valid and binding obligations and contracts of the Company enforceable against the Company in accordance with their respective terms, except as such enforceability may be limited by (a) applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting the enforcement of creditors' rights generally and (b) general principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or at law). Upon execution and delivery thereof, each Note will constitute a legal, valid and binding obligation of the Company enforceable against the Company in accordance with its terms, except as such enforceability may be limited by (a) applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting the enforcement of creditors' rights generally and (b) general principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or in law). -7- 5.3 Disclosure. This Agreement, the Collateral Documents, the documents, certificates or other communications made or delivered to each Purchaser by or on behalf of the Company and the Original Subsidiary Guarantors in connection with the transactions contemplated hereby and the financial statements listed in Schedule 5.5, taken as a whole, do not contain any untrue statement of a material fact or omit to state any material fact necessary to make the statements therein not misleading in light of the circumstances under which they were made. Since December 31, 2001, there has been no change in the financial condition, operations, business or properties of the Company or any Subsidiary except changes that individually or in the aggregate could not reasonably be expected to have a Material Adverse Effect. There is no fact known to the Company that could reasonably be expected to have a Material Adverse Effect that has not been set forth herein or in the Memorandum or in the other documents, certificates and other communications made or delivered to you by or on behalf of the Company or any Original Subsidiary Guarantor specifically for use in connection with the transactions contemplated hereby. 5.4 Organization and Ownership of Shares of Subsidiaries;Affiliates. (a) Schedule 5.4 contains (except as noted therein) complete and correct lists (i) of the Company's Subsidiaries, showing, as to each Subsidiary, the correct name thereof, the jurisdiction of its organization, and the percentage of shares of each class of its Capital Stock or similar equity interests outstanding owned by the Company and each other Subsidiary, (ii) of the Company's Restricted Subsidiaries, (iii) of the Company's Affiliates, other than Subsidiaries, and (iv) of the Company's directors and senior officers. (b) All of the outstanding shares of Capital Stock or similar equity interests of each Subsidiary shown in Schedule 5.4 as being owned by the Company and its Subsidiaries have been validly issued, are fully paid and nonassessable and are owned by the Company or another Subsidiary free and clear of any Lien (except as otherwise disclosed in Schedule 5.4). (c) Each Subsidiary identified in Schedule 5.4 is a corporation or other legal entity duly organized, validly existing and in good standing under the laws of its jurisdiction of organization, and is duly qualified as a foreign corporation or other legal entity and is in good standing in each jurisdiction in which such qualification is required by law, other than those jurisdictions as to which the failure to be so qualified or in good standing could not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect. Each such Subsidiary has the corporate or other power and authority to own or hold under lease the properties it purports to own or hold under lease and to transact the business it transacts and proposes to transact. (d) No Subsidiary is a party to, or otherwise subject to any legal restriction or any agreement (other than this Agreement, the agreements listed on Schedule 5.4 and customary limitations imposed by corporate law statutes) restricting the ability of such Subsidiary to pay dividends out of profits or make any other similar distributions of profits to the Company or any -8- of its Subsidiaries that owns outstanding shares of Capital Stock or similar equity interests of such Subsidiary. 5.5 Financial Statements. The Company has delivered to each Purchaser copies of the financial statements of the Company and its Subsidiaries listed on Schedule 5.5. All of said financial statements (including in each case the related schedules and notes) fairly present in all Material respects the consolidated financial position of the Company and its Subsidiaries as of the respective dates specified in such financial statements and the consolidated results of their operations and cash flows for the respective periods so specified and have been prepared in accordance with GAAP consistently applied throughout the periods involved except as set forth in the notes thereto (subject, in the case of any interim financial statements, to normal year-end adjustments and the absence of notes). 5.6 Compliance with Laws and Instruments. The execution, delivery and performance by the Company of this Agreement, the Collateral Documents and the Notes will not (i) contravene, result in any breach of, or constitute a default under, or, unless permitted hereunder, result in the creation of any Lien in respect of any property of the Company or any Subsidiary under, any indenture, mortgage, deed of trust, loan, purchase or credit agreement, lease, corporate charter or by-laws, or any other agreement or instrument to which the Company or any Subsidiary is bound or by which the Company or any Subsidiary or any of their respective properties may be bound or affected, (ii) conflict with or result in a breach of any of the terms, conditions or provisions of any order, judgment, decree, or ruling of any court, arbitrator or Governmental Authority applicable to the Company or any Subsidiary, or (iii) violate any provision of any statute or other rule or regulation of any Governmental Authority applicable to the Company or any Subsidiary. 5.7 Governmental Authorizations, etc. No consent, approval or authorization of, or registration, filing or declaration with, any Governmental Authority is required in connection with the execution, delivery or performance by the Company of this Agreement, the Collateral Documents or the Notes. 5.8 Litigation; Observance of Agreements, Statutes and Orders. (a) Except as disclosed in Schedule 5.8, there are no actions, suits or proceedings pending or, to the knowledge of the Company, threatened against or affecting the Company or any Subsidiary or any property of the Company or any Subsidiary in any court or before any arbitrator of any kind or before or by any Governmental Authority that, individually or in the aggregate, could reasonably be expected to have a Material Adverse Effect. (b) Neither the Company nor any Subsidiary is in default under any term of any agreement or instrument to which it is a party or by which it is bound, or any order, judgment, decree or ruling of any court, arbitrator or Governmental Authority or is in violation of -9- any applicable law, ordinance, rule or regulation (including without limitation Environmental Laws) of any Governmental Authority, which default or violation, individually or in the aggregate, could reasonably be expected to have a Material Adverse Effect. 5.9 Taxes. The Company and its Subsidiaries have filed all tax returns that are required to have been filed in any jurisdiction, and have paid all taxes shown to be due and payable on such returns and all other taxes and assessments levied upon them or their properties, assets, income or franchises, to the extent such taxes and assessments have become due and payable and before they have become delinquent, except for any taxes and assessments (i) the amount of which is not individually or in the aggregate Material, or (ii) the amount, applicability or validity of which is currently being contested in good faith by appropriate proceedings and with respect to which the Company or a Subsidiary has established adequate reserves in accordance with GAAP. The Company knows of no basis for any other tax or assessment that could reasonably be expected to have a Material Adverse Effect. The charges, accruals and reserves on the books of the Company and its Subsidiaries in respect of Federal, state or other taxes for all fiscal periods are adequate. The Federal income tax liabilities of the Company and its Subsidiaries have been paid for all fiscal years up to and including the fiscal year ended March 31, 2000. 5.10 Title to Property; Leases. The Company and its Subsidiaries have good and sufficient title to their respective properties that individually or in the aggregate are Material, including all such properties reflected in the most recent audited balance sheet referred to in Section 5.5 or purported to have been acquired by the Company or any Subsidiary after said date (except as sold or otherwise disposed of in the ordinary course of business), in each case free and clear of Liens prohibited by this Agreement. All leases that individually or in the aggregate are Material are valid and subsisting and are in full force and effect in all Material respects. 5.11 Licenses, Permits, etc. Except as disclosed in Schedule 5.11, (a) the Company and its Subsidiaries own, possess or have the right to use all licenses, permits, franchises, authorizations, patents, copyrights, service marks, trademarks, technology, know-how, processes and trade names, or rights thereto (collectively "Intellectual Property"), that individually or in the aggregate are Material, without known conflict with the rights of others; (b) to the best knowledge of the Company, no product of the Company or any Subsidiary infringes in any Material respect any license, permit, franchise, authorization, patent, copyright, service mark, trademark, trade name or other right owned by any other Person; -10- (c) to the best knowledge of the Company, there is no Material violation by any Person of any right of the Company or any of its Subsidiaries with respect to any Intellectual Property or other right owned or used by the Company or any of its Subsidiaries; and (d) the Company and each Subsidiary owns, or has the legal right to use, (subject to the common law rights of another user) all Intellectual Property necessary for each of them to conduct its business as currently conducted except for those which the failure to own or have such legal right to use could not have a Material Adverse Effect. 5.12 Compliance with ERISA. (a) The Company and each ERISA Affiliate have operated and administered each Plan in compliance with all applicable laws except for such instances of noncompliance as have not resulted in and could not reasonably be expected to result in a Material Adverse Effect. Neither the Company nor any ERISA Affiliate has incurred any liability pursuant to Title I or IV of ERISA or the penalty or excise tax provisions of the Code relating to employee benefit plans (as defined in Section 3 of ERISA), and no event, transaction or condition has occurred or exists that could reasonably be expected to result in the incurrence of any such liability by the Company or any ERISA Affiliate, or in the imposition of any Lien on any of the rights, properties or assets of the Company or any ERISA Affiliate, in either case pursuant to Title I or IV of ERISA or to such penalty or excise tax provisions or to Section 401(a)(29) or 412 of the Code, other than such liabilities or Liens as would not be individually or in the aggregate Material. (b) The Company does not maintain any Plan that is a defined benefit pension plan subject to Title IV of ERISA. (c) The Company and its ERISA Affiliates have not incurred withdrawal liabilities (and are not subject to contingent withdrawal liabilities) under section 4201 or 4204 of ERISA in respect of Multiemployer Plans that individually or in the aggregate are Material. (d) The expected postretirement benefit obligation (determined as of the last day of the Company's most recently ended fiscal year in accordance with Financial Accounting Standards Board Statement No. 106, without regard to liabilities attributable to continuation coverage mandated by section 4980B of the Code) of the Company and its Subsidiaries is not Material. (e) The execution and delivery of this Agreement, the Collateral Documents and the issuance and sale of the Notes hereunder will not involve any transaction that is subject to the prohibitions of section 406 of ERISA or in connection with which a tax could be imposed pursuant to section 4975(c)(1)(A)-(D) of the Code. The representation by the Company in the first sentence of this Section 5.12(e) is made in reliance upon and subject to (i) the accuracy of each Purchaser's representation in Section 6.2 as to the sources of the funds used to pay the purchase price of the Notes to be purchased by such Purchaser and (ii) the assumption, made solely for the purpose of making such representation, that Department of Labor Interpretive Bulletin 75-2 with respect to prohibited transactions remains valid in the circumstances of the transactions contemplated herein. -11- 5.13 Intentionally Omitted. 5.14 Use of Proceeds; Margin Regulations. Margin stock does not constitute more than 5% of the value of the consolidated assets of the Company and its Subsidiaries and the Company does not have any present intention that margin stock will constitute more than 5% of the value of such assets. As used in this Section, the terms "margin stock" and "purpose of buying or carrying" shall have the meanings assigned to them in said Regulation U. 5.15 Existing Debt; Future Liens. (a) Except as described therein, Schedule 5.15 sets forth a complete and correct list of all outstanding Debt of the Company and its Subsidiaries as of the Closing Date since which date there has been no Material change in the amounts, interest rates, sinking funds, installment payments or maturities of the Debt of the Company or its Subsidiaries. Neither the Company nor any Subsidiary is in default and no waiver of default is currently in effect, in the payment of any principal or interest on any Debt of the Company or any such Subsidiary and no event or condition exists with respect to any Debt of the Company or any Subsidiary that would permit (or that with notice or the lapse of time, or both, would permit) one or more Persons to cause such Debt to become due and payable before its stated maturity or before its regularly scheduled dates of payment. (b) Except as described in Schedule 5.15,neither the Company nor any Subsidiary has agreed or consented to cause or permit in the future (upon the happening of a contingency or otherwise) any of its property, whether now owned or hereafter acquired, to be subject to a Lien not permitted by Section 10.3. (c) The Original Subsidiary Guarantors will derive a commercial benefit by their execution and delivery of the Subsidiary Guarantee Agreements generally and, in certain other respects, as more specifically described in Section 5.21 hereto. 5.16 Intentionally Omitted. 5.17 Status under Certain Statutes. Neither the Company nor any Subsidiary is subject to regulation under the Investment Company Act of 1940, as amended, the Public Utility Holding Company Act of 1935, as amended, the Interstate Commerce Act, as amended, or the Federal Power Act, as amended. 5.18 Environmental Matters. As of the date of the Closing, neither the Company nor any Subsidiary has knowledge of any claim or has received any notice of any claim, and no proceeding has been instituted raising any claim against the Company or any of its Subsidiaries or any of their respective real properties now or formerly owned, leased or operated by any of them or other assets, alleging any damage to the environment or violation of any Environmental Laws, except, in each case, such as could -12- not reasonably be expected to result in a Material Adverse Effect. As of the Closing Date, except as otherwise disclosed to the Purchasers in writing, (a) neither the Company nor any Subsidiary has knowledge of any facts which would give rise to any claim, public or private, of violation of Environmental Laws or damage to the environment emanating from, occurring on or in any way related to real properties now or formerly owned, leased or operated by any of them or to other assets or their use, except, in each case, such as could not reasonably be expected to result in a Material Adverse Effect; (b) neither the Company nor any Subsidiaries has stored or has knowledge of any storage of any Hazardous Materials on real properties now or formerly owned, leased or operated by any of them and has not disposed, nor has any knowledge of any disposal, of any Hazardous Materials in a manner contrary to any Environmental Laws in each case in any manner that could reasonably be expected to result in a Material Adverse Effect; and (c) neither the Company nor any of its Subsidiaries has knowledge that any buildings on any real properties now owned, leased or operated by the Company or any of its Subsidiaries are not in compliance with applicable Environmental Laws, except where failure to comply could not reasonably be expected to result in a Material Adverse Effect. 5.19 [Intentionally Omitted]. 5.20 Solvency. Each of the Company and the Original Subsidiary Guarantors is, and upon giving effect to the exchange of the Notes and the execution of this Agreement and the Subsidiary Guarantee Agreements will be, a "solvent institution", as said term is used in section 1405(c) of the New York State Insurance Law, whose "obligations are not in default as to principal or interest", as said terms are used in said section 1405(c). Each of the Company and the Original Subsidiary Guarantors has capital not unreasonably small in relation to its respective business or any contemplated or undertaken transaction and has assets having a value both at fair valuation and at present fair salable value greater than the amount required to pay its debts as they become due and greater than the amount that will be required to pay its respective probable liability on its existing debts as they become absolute and matured. Neither the Company nor any Original Subsidiary Guarantor intends to incur, or believes or should have believed that it will incur, debts beyond its ability to pay such debts as they become due. Neither the Company nor any Original Subsidiary Guarantor will be rendered insolvent by the execution and delivery of, and performance of its respective obligations under, this Agreement, the Notes and the Subsidiary Guarantee Agreements. 5.21 Consolidated and Integrated Business of the Company and its Restricted Subsidiaries. The Company and its Restricted Subsidiaries share centralized administration of the winery functions of each entity including finance, sales and marketing. Such centralized administration is performed at the Company's Napa office. This facility also includes a central -13- distribution center in which substantially all of the Company's and its Restricted Subsidiaries' wines are stored prior to shipping. Sales and marketing of all of the Company's and Restricted Subsidiaries' wines within the State of California are made through the Company's own sales forces and one or more wholesalers. The Company uses a single broker for all wholesale California sales of the Company and its Restricted Subsidiaries. Furthermore, all of the Company's and Restricted Subsidiaries' wineries are operated under the overall supervision of the Company's Chief Executive Officer. The Company and its Restricted Subsidiaries prepare consolidated financial statements and present their financial reporting on a consolidated basis. 5.22 No Burdensome Restrictions. Neither the Company nor any Original Subsidiary Guarantor is a party to any agreement or instrument or subject to any other obligation or any charter or corporate restriction or any provision of any applicable law, rule or regulation which, individually or in the aggregate, could have a Material Adverse Effect. 5.23 Matters Relating to the Collateral. The Liens granted in favor of the Collateral Agent pursuant to the Collateral Documents in respect of the collateral described therein constitute and will constitute first and second, as the case may be, priority (subject to Permitted Liens) perfected security interests under the Uniform Commercial Code as in effect in each applicable jurisdiction, entitled to all rights, benefits and priorities as provided by such Uniform Commercial Code or other applicable law. Upon the filing of financing statements relating to such security interests in each office and in each jurisdiction where required in order to perfect the security interests described above and recordations of the Security Agreements and/or the Patent and Trademark Security Agreements in the United States Patent and Trademark Office and the United States Copyright Office, all such action as is necessary or advisable to establish such rights of the Collateral Agent will have been taken. There will be upon execution and delivery of the Security Agreements and Patent and Trademark Security Agreements and such filings no necessity for any further action in order to preserve, protect and continue such rights, except the filing of continuation statements with respect to such financing statements within six months prior to each five year anniversary of the filing of such financing statements. 5.24 Credit Agreement Representations. The representations and warranties set forth in Article IX of the Credit Agreement are hereby incorporated by reference herein as if such representations and warranties were set forth herein in full. The information contained in the Schedules to the Credit Agreement are hereby incorporated by reference herein as if such information were set forth herein in full -14- 6. REPRESENTATIONS OF THE PURCHASERS. 6.1 Purchase for Investment. Each Purchaser represents that it purchased the Notes for its own account or for one or more separate accounts maintained by it for the account of one or more pension or trust funds and not with a view to the distribution thereof, PROVIDED THAT the disposition of such Purchaser's property shall at all times be within its control; PROVIDED FURTHER that such Purchaser shall not be prohibited from creating security interests, including any pledge or assignment, to any Federal Reserve Bank in accordance with applicable law or by any Purchaser which is a Farm Credit System entity, to the Farm Credit Funding Corp. or other appropriate funding sources and entities within the Farm Credit System in accordance with applicable law. Each Purchaser understands that the Notes have not been registered under the Securities Act and may be resold only if registered pursuant to the provisions of the Securities Act or if an exemption from registration is available, except under circumstances where neither such registration nor such an exemption is required by law, and that the Company is not required to register the Notes. 6.2 Source of Funds. Each Purchaser represents that at least one of the following statements is an accurate representation as to each source of funds (a "SOURCE") which was used by such Purchaser to pay the purchase price of the Notes to be purchased by such Purchaser hereunder: (a) the Source is an "insurance company general account" within the meaning of Department of Labor Prohibited Transaction Exemption ("PTE") 95-60 (issued July 12, 1995) and there is no employee benefit plan, treating as a single plan, all plans maintained by the same employer or employee organization, with respect to which the amount of the general account reserves and liabilities for all contracts held by or on behalf of such plan, exceed ten percent (10%) of the total reserves and liabilities of such general account (exclusive of separate account liabilities) plus surplus, as set forth in the NAIC Annual Statement filed by such Purchaser with such Purchaser's state of domicile; or (b) the Source is either (i) an insurance company pooled separate account, within the meaning of PTE 90-1 (issued January 29, 1990), or (ii) a bank collective investment fund, within the meaning of the PTE 91-38 (issued July 12, 1991) and, except as such Purchaser has disclosed to the Company in writing pursuant to this paragraph (b), no employee benefit plan or group of plans maintained by the same employer or employee organization beneficially owns more than 10% of all assets allocated to such pooled separate account or collective investment fund; or (c) the Source constitutes assets of an "investment fund" (within the meaning of Part V of the "QPAM Exemption") managed by a "qualified professional asset manager" or "QPAM" (within the meaning of Part V of the QPAM Exemption), no employee benefit plan's assets that are included in such investment fund, when combined with the assets of all other employee benefit plans established or maintained by the same employer or by an affiliate (within the meaning of Section V(c)(1) of the QPAM Exemption) of such employer or by the same -15- employee organization and managed by such QPAM, exceed 20% of the total client assets managed by such QPAM, the conditions of Part I(c) and (g) of the QPAM Exemption are satisfied, neither the QPAM nor a person controlling or controlled by the QPAM (applying the definition of "control" in Section V(e) of the QPAM Exemption) owns a 5% or more interest in the Company and (i) the identity of such QPAM and (ii) the names of all employee benefit plans whose assets are included in such investment fund have been disclosed to the Company in writing pursuant to this paragraph (c); or (d) the Source is a governmental plan; or (e) the Source is one or more employee benefit plans, or a separate account or trust fund comprised of one or more employee benefit plans, each of which has been identified to the Company in writing pursuant to this paragraph (e); or (f) the Source does not include assets of any employee benefit plan, other than a plan exempt from the coverage of ERISA. If any Purchaser or any subsequent transferee of the Notes indicates that such Purchaser or such transferee is relying on any representation contained in paragraph (b), (c) or (e) above, the Company shall deliver on the Closing Date and on the date of any applicable transfer a certificate, which shall either state that (i) it is neither a party in interest nor a "disqualified person" (as defined in Section 4975(e)(2) of the Internal Revenue Code of 1986, as amended), with respect to any plan identified pursuant to paragraphs (b) or (e) above, or (ii) with respect to any plan, identified pursuant to paragraph (c) above, neither it nor any "affiliate" (as defined in Section V(c) of the QPAM Exemption) has at such time, and during the immediately preceding one year, exercised the authority to appoint or terminate said QPAM as manager of any plan identified in writing pursuant to paragraph (c) above or to negotiate the terms of said QPAM's management agreement on behalf of any such identified plan. As used in this Section 6.2, the terms "employee benefit plan", "governmental plan", "party in interest" and "separate account" shall have the respective meanings assigned to such terms in Section 3 of ERISA. 7. INFORMATION AS TO COMPANY. 7.1 Financial and Business Information. The Company shall deliver to each Holder: (a) as soon as available and in any event within 45 days after the end of the first three fiscal quarters of each fiscal year, a consolidated and consolidating balance sheet of the Company and its Subsidiaries as of the end of such quarter, and the related consolidated and, as to statements of income only, consolidating statements of income, shareholders' equity and cash flows of the Company and its Subsidiaries for such quarter and the portion of the fiscal year through the end of such quarter, prepared in accordance with GAAP consistently applied, subject to changes resulting from normal, year-end audit adjustments and except for the absence of notes all in reasonable detail and setting forth in comparative form the figures for the corresponding period in the preceding fiscal year, together with a certificate of a Responsible Officer of the -16- Company stating that such financial statements fairly present the financial condition of the Company and its Subsidiaries as at such date and the results of operations of the Company and its Subsidiaries for the period ended on such date and have been prepared in accordance with GAAP consistently applied, subject to changes resulting from normal, year-end audit adjustments and except for the absence of notes; (b) as soon as available and in any event within 90 days after the end of each fiscal year, a consolidated and consolidating balance sheet of the Company and its Subsidiaries as of the end of such fiscal year, and the related consolidated and, as to statements of income only, consolidating statements of income, shareholders' equity and cash flows of the Company and its Subsidiaries for such fiscal year, prepared in accordance with GAAP consistently applied, all in reasonable detail and setting forth in comparative form the figures for the previous fiscal year, and (i) in the case of such consolidated financial statements, accompanied by a report thereon of Moss Adams LLP or another firm of independent certified public accountants of recognized national standing acceptable to the Required Holders, which report shall not be qualified as to (A) going concern, or (B) any limitation in the scope of the audit, and (ii) in the case of such consolidating financial statements, certified by a Responsible Officer of the Company; (c) together with the financial statements required pursuant to clauses (a) and (b), (i) a Compliance Certificate of a Responsible Officer as of the end of the applicable accounting period and (ii) an Update Certificate of a Responsible Officer as of the end of the applicable accounting period; (d) promptly upon receipt thereof, copies of all reports submitted to the Company by its independent certified public accountants in connection with each annual, interim or special audit examination of the Company and its Subsidiaries made by such accountants, including the "management letter" submitted by such accountants to the Company in connection with their annual audit; (e) as soon as available and in any event not less than 30 days prior to the start of each fiscal year, a consolidated financial forecast for the Company and its Subsidiaries for the following fiscal year and each fiscal year thereafter, including forecasted consolidated balance sheets, consolidated statements of income, shareholders' equity and cash flows of the Company and its Subsidiaries which forecast shall (i) state the assumptions used in the preparation thereof, (ii) contain such other information as reasonably requested by the Required Holders and (iii) be in form reasonably satisfactory to the Required Holders; (f) as soon as available and in any event not less than 30 days prior to the start of each fiscal year, budgets of the Company and its Subsidiaries for each quarter of the following fiscal year, which budgets shall (i) state the assumptions used in the preparation thereof, (ii) be in form satisfactory to the Required Holders, and (iii) be accompanied by a statement of a Responsible Officer of the Company that, to the best of such Responsible Officer's knowledge, such budgets are a reasonable and good-faith estimate for the period covered thereby; and -17- (g) promptly after the giving, sending or filing thereof, copies of all reports, if any, which the Company or any of its Subsidiaries sends to the holders of its respective capital stock or other securities and of all reports or filings, if any, by the Company or any of its Subsidiaries with the SEC or any national securities exchange. As to any information contained in materials furnished pursuant to clause (i), the Company shall not be separately required to furnish such information under clause (a) or (b), but the foregoing shall not be in derogation of the obligation of the Company to furnish the information and materials described in clauses (a) and (b) at the times specified therein. Additionally, reports required to be delivered pursuant to clauses (a), (b) or (h) of this Section 7.1 (to the extent any such financial statements, reports or proxy statements are included in materials otherwise filed with the SEC) may be delivered electronically and if so, shall be deemed to have been delivered on the date on which the Company posts such reports, or provides a link thereto, either: (x) on the Company's website on the Internet at the website address set forth in Section 18; or (y) when such report is posted electronically on IntraLinks/IntraAgency or other relevant website to which each Holder has access (whether a commercial, third-party website or whether sponsored by any Holder), if any, on the Company's behalf; PROVIDED that: (1) the Company shall deliver paper copies of such reports to any Holder who requests the Company to deliver such paper copies until written request to cease delivering paper copies is given by Holder; (2) the Company shall notify (which may be by facsimile or electronic mail) each Holder of the posting of any such reports and provide to each Holder by email electronic versions (i.e. soft copies) of such reports; and (3) in every instance the Company shall provide paper copies of the Compliance Certificates required by clause (c) above to each of the Holders. Except for such Compliance Certificates, the Holders shall have no obligation to request the delivery or to maintain copies of the reports referred to above, and in any event shall have no responsibility to monitor compliance by the Company with any such request for delivery, and each Holder shall be solely responsible for requesting delivery to it or maintaining its copies of such reports. 7.2 Additional Information. The Company will furnish to the Holders: (a) promptly after the Company has knowledge or becomes aware thereof, notice of the occurrence of any Event of Loss with respect to its property or assets aggregating $1,500,000 (or its equivalent in another currency) or more; (b) promptly after the Company has knowledge or becomes aware hereof, notice of the occurrence or existence of any Default and any Event of Default; (c) promptly after any Person becomes a Subsidiary of the Company (whether by acquisition or otherwise), prompt written notice thereof; (d) prompt written notice of (i) any proposed acquisition of stock, assets or property by the Company or any of its Subsidiaries that could reasonably be expected to result in environmental liability under Environmental Laws, and (ii)(1) any spillage, leakage, discharge, disposal, leaching, migration or release of any Hazardous Material required to be reported to any -18- Governmental Authority under applicable Environmental Laws, and (2) all actions, suits, claims, notices of violation, hearings, investigations or proceedings pending, or to the best of the Company's knowledge, threatened against or affecting the Company or any of its Subsidiaries or with respect to the ownership, use, maintenance and operation of the Premises, relating to (x) Environmental Laws or Hazardous Material, (y) or any other Requirement of Law that, in the case of this clause (y), may have a Material Adverse Effect; (e) prompt written notice of all actions, suits and proceedings before any Governmental Authority or arbitrator pending, or to the best of the Company's knowledge, threatened against or affecting the Company or any of its Subsidiaries which (i) if adversely determined would involve an aggregate uninsured liability of $1,500,000 (or its equivalent in another currency) or more, or (ii) otherwise may have a Material Adverse Effect; (f) promptly after the Company has knowledge or becomes aware thereof, (i) notice of the occurrence of any Termination Event, together with a copy of any notice of such Termination Event to the PBGC, and (ii) the details concerning any action taken or proposed to be taken by the IRS, PBGC, Department of Labor or other Person with respect thereto; (g) the information regarding insurance maintained by the Company and its Subsidiaries as required under Section 9.2; (h) within 30 days of the date thereof, or, if earlier, on the date of delivery of any financial statements pursuant to Section 7.1, notice of any material change in accounting policies or financial reporting practices by the Company or any of its Subsidiaries; (i) promptly after the occurrence thereof, notice of any labor controversy resulting in or threatening to result in any strike, work stoppage, boycott, shutdown or other material labor disruption against or involving the Company or any of its Subsidiaries which could result in a Material Adverse Effect; (j) upon the request from time to time of any Holder, the Swap Termination Values, together with a description of the method by which such values were determined, relating to any then-outstanding Rate Contracts to which the Company or any of its Subsidiaries is party; (k) prompt written notice of any other condition or event which has resulted, or that could reasonably be expected to result, in a Material Adverse Effect; and (l) such other information respecting the operations, properties, business or condition (financial or otherwise) of the Company or its Subsidiaries (including with respect to the Collateral) as any Holder may from time to time reasonably request. Each notice pursuant to this Section 7.2 shall be accompanied by a written statement by a Responsible Officer of the Company setting forth details of the occurrence referred to therein, and stating what action the Company proposes to take with respect thereto. -19- 7.3 Inspection. The Company shall permit the representatives of each Holder: (a) No Default -- if no Default or Event of Default then exists, at the expense of such Holder and upon reasonable prior notice to the Company during normal business hours, to visit the principal executive office of the Company to discuss the affairs, finances and accounts of the Company and its Subsidiaries with the Company's officers, and (with the consent of the Company, which consent will not be unreasonably withheld) its independent public accountants, and (with the consent of the Company, which consent will not be unreasonably withheld) to visit the other offices and properties of the Company and each Subsidiary, all at such reasonable times and as often as may be reasonably requested in writing; and (b) Default -- if a Default or Event of Default then exists, at the expense of the Company, to visit and inspect any of the offices or properties of the Company or any Subsidiary, to examine all their respective books of account, records, reports and other papers, to make copies and extracts therefrom, and to discuss their respective affairs, finances and accounts with their respective officers and independent public accountants (and by this provision the Company authorizes said accountants to discuss the affairs, finances and accounts of the Company and its Subsidiaries), all at such times and as often as may be requested. 8. PREPAYMENT OF THE NOTES. 8.1 Required Prepayments. (a) The Company agrees that on September 15 in each year commencing September 15, 2004 and ending on September 15, 2009, both inclusive, it will prepay and apply and there shall become due and payable on the principal debt evidenced by the Series A Notes an amount equal to the lesser of (x) $714,285.71 or (y) the principal amount of the Series A Notes then outstanding. The entire remaining principal amount of the Series A Notes shall become due and payable on September 15, 2010. No premium shall be payable in connection with any required prepayment made pursuant to this Section 8.1(a). Upon any partial prepayment of the Series A Notes pursuant to Section 8.2, the principal amount of each required prepayment of the Series A Notes becoming due under this Section 8.1(a) on and after the date of such prepayment shall be reduced in the same proportion as the aggregate unpaid principal amount of the Series A Notes is reduced as a result of such prepayment. (b) The Company agrees that on September 15 in each year commencing September 15, 2004 and ending on September 15, 2009, both inclusive, it will prepay and apply and there shall become due and payable on the principal debt evidenced by the Series B Notes an amount equal to the lesser of (x) $1,428,571.43 or (y) the principal amount of the Series B Notes then outstanding. The entire remaining principal amount of the Series B Notes shall become due and payable on September 15, 2010. No premium shall be payable in connection with any required prepayment made pursuant to this Section 8.1(b). Upon any partial prepayment of the Series B Notes pursuant to Section 8.2, the principal amount of each required prepayment of the Series B Notes becoming due under this Section 8.1(b) on and after the date of such prepayment -20- shall be reduced in the same proportion as the aggregate unpaid principal amount of the Series B Notes is reduced as a result of such prepayment. (c) The Company agrees that on September 15 in each year commencing September 15, 2004 and ending on September 15, 2009, both inclusive, it will prepay and apply and there shall become due and payable on the principal debt evidenced by the Series C Notes an amount equal to the lesser of (x) $2,142,857.14 or (y) the principal amount of the Series C Notes then outstanding. The entire remaining principal amount of the Series C Notes shall become due and payable on September 15, 2010. No premium shall be payable in connection with any required prepayment made pursuant to this Section 8.1(c). Upon any partial prepayment of the Series C Notes pursuant to Section 8.2, the principal amount of each required prepayment of the Series C Notes becoming due under this Section 8.1(c) on and after the date of such prepayment shall be reduced in the same proportion as the aggregate unpaid principal amount of the Series C Notes is reduced as a result of such prepayment. 8.2 Optional Prepayments with Make-Whole Amount. The Company may, at its option, upon notice as provided below, prepay at any time all, or from time to time any part of (but if in part, then such prepayment shall be applied against the Series A Note, the Series B Note and the Series C Note, respectively, in proportion to the aggregate amount outstanding of each Series), the Notes, in an amount not less than 5% of the aggregate principal amount of all series of the Notes then outstanding in the case of a partial prepayment, at 100% of the principal amount so prepaid, together with interest accrued thereon to the date of such prepayment, plus the greater of (i) zero and (ii) the Make-Whole Amount determined for the prepayment date with respect to such principal amount. The Company will give each Holder of Notes written notice of each optional prepayment under this Section 8.2 not less than 30 days and not more than 60 days prior to the date fixed for such prepayment. Each such notice shall specify such date, the aggregate principal amount of the Notes to be prepaid on such date, the principal amount of each Note held by such Holder to be prepaid (determined in accordance with Section 8.3), and the interest to be paid on the prepayment date with respect to such principal amount being prepaid, and shall be accompanied by a certificate of a Senior Financial Officer as to the estimated Make-Whole Amount due in connection with such prepayment (calculated as if the date of such notice were the date of the prepayment), setting forth the details of such computation. Two Business Days prior to such prepayment, the Company shall deliver to each Holder of Notes a certificate of a Senior Financial Officer specifying the calculation of such Make-Whole Amount as of the specified prepayment date. 8.3 Allocation of Partial Prepayments. In the case of each partial prepayment of the Notes pursuant to Section 8.2, the principal amount of the Notes to be prepaid shall be allocated among all of the Notes at the time outstanding in proportion, as nearly as practicable, to the respective unpaid principal amounts thereof not theretofore prepaid. -21- 8.4 Maturity; Surrender, etc. In the case of each prepayment or purchase of Notes pursuant to this Section 8, the principal amount of each Note to be prepaid or purchased shall mature and become due and payable on the date fixed for such prepayment or purchase, together with interest on such principal amount accrued to such date and the applicable Make-Whole Amount, if any. From and after such date, unless the Company shall fail to pay such principal amount when so due and payable, together with the interest and Make-Whole Amount, if any, as aforesaid, interest on such principal amount shall cease to accrue. Any Note paid, purchased or prepaid in full shall be surrendered to the Company and cancelled and shall not be reissued, and no Note shall be issued in lieu of any prepaid or purchased principal amount of any Note. 8.5 Purchase of Notes. The Company will not and will not permit any Affiliate to purchase, redeem, prepay or otherwise acquire, directly or indirectly, any of the outstanding Notes except upon the purchase, payment or prepayment of the Notes in accordance with the terms of this Agreement and the Notes. The Company will promptly cancel all Notes acquired by it or any Affiliate pursuant to any payment, prepayment or purchase of Notes pursuant to any provision of this Agreement and no Notes may be issued in substitution or exchange for any such Notes. 8.6 Make-Whole Amount. "MAKE-WHOLE AMOUNT" means, with respect to any Note of any series, an amount equal to the excess, if any, of the Discounted Value of the Remaining Scheduled Payments with respect to the Called Principal of such Note of such series over the amount of such Called Principal, provided that the Make-Whole Amount may in no event be less than zero. For the purposes of determining the Make-Whole Amount, the following terms have the following meanings: "CALLED PRINCIPAL" means, with respect to any Note of any series, the principal of the Note of such series that is to be prepaid or purchased pursuant to Sections 8.2 or 8.7 or has become or is declared to be immediately due and payable pursuant to Section 12.1, as the context requires. "DISCOUNTED VALUE" means, with respect to the Called Principal of any Note of any series, the amount obtained by discounting all Remaining Scheduled Payments with respect to such Called Principal from their respective scheduled due dates to the Settlement Date with respect to such Called Principal, in accordance with accepted financial practice and at a discount factor (applied on the same periodic basis as that on which interest on such Notes is payable) equal to the Reinvestment Yield with respect to such Called Principal. "REINVESTMENT YIELD" means, with respect to the Called Principal of a Note of any series, 0.50% over the yield to maturity implied by (i) the yields reported, as of 10:00 A.M. (New York City time) on the second Business Day preceding the Settlement Date with respect to such Called Principal, on the display designated as Screen PX1 on the Bloomberg Financial Markets Services System (or such other display as may replace Screen PX1 on Bloomberg Financial Markets -22- Services System) for actively traded U.S. Treasury securities having a maturity equal to the remaining average live of such Called Principal as of such Settlement Date, or (ii) if such yields are not reported as of such time or the yields reported as of such time are not ascertainable, the Treasury Constant Maturity Series Yields reported, for the latest day for which such yields have been so reported as of the second Business Day preceding the Settlement Date with respect to such Called Principal, in Federal Reserve Statistical Release H.15 (519) (or any comparable successor publication) for actively traded U.S. Treasury securities having a constant maturity equal to the remaining average life of such Called Principal as of such Settlement Date. Such implied yield will be determined, if necessary, by (a) converting U.S. Treasury bill quotations to bond-equivalent yields in accordance with accepted financial practice and (b) interpolating linearly between (1) the actively traded U.S. Treasury security with the maturity closest to and greater than the remaining average life of such Called Principal and (2) the actively traded U.S. Treasury security with the maturity closest to and less than the remaining average life of such Called Principal. "REMAINING SCHEDULED PAYMENTS" means, with respect to the Called Principal of any Note of any series, all payments of such Called Principal and interest thereon that would be due after the Settlement Date with respect to such Called Principal if no payment or purchase of such Called Principal were made prior to its scheduled due date (assuming that the Notes will continue to bear interest at the rates in effect on the Settlement Date), PROVIDED that if such Settlement Date is not a date on which interest payments are due to be made under the terms of the Notes of such series, then the amount of the next succeeding scheduled interest payment will be reduced by the amount of interest accrued to such Settlement Date and required to be paid on such Settlement Date pursuant to Sections 8.2, 8.7 or 12.1. "SETTLEMENT DATE" means, with respect to the Called Principal of any Note of any series, the date on which such Called Principal is to be prepaid or purchased pursuant to Section 8.2 or has become or is declared to be immediately due and payable pursuant to Section 12.1, as the context requires. 8.7 Mandatory Prepayments with Make-Whole Amount. (a) Upon the sale, transfer or other disposition of any Collateral by the Company or any Subsidiary under Section 10.9(c) (to the extent the Net Proceeds from the sale, transfer or other disposition of worn out or obsolete assets are not promptly applied to replace such assets) or 10.9(f), the Company shall, if either (i) an Event of Default shall have occurred and be continuing or (ii) a Specified Loan to Value Event would occur after giving effect to such sale, transfer or other disposition, within one Business Day of the Company's or such Subsidiary's receipt of the proceeds thereof, prepay the outstanding principal amount of the Notes, together with the Make-Whole Amount payable with respect thereto, in an amount equal to (1) in the case of a prepayment by reason of the circumstances set forth in clause (i) above, 100% of the Net Proceeds therefrom by depositing such amount with the Collateral Agent for application by the Collateral Agent under and pursuant to Section 6.10 of the Intercreditor Agreement to the Secured Obligations, and (2) in the case of a prepayment be reason of the circumstances set forth in clause (ii) above, that amount of the Net Proceeds therefrom that would be required to be prepaid on the Notes so that after giving effect to the application thereof, -23- such Specified Loan to Value Event would no longer exist by depositing such amount with the Collateral Agent for application by the Collateral Agent under and pursuant to Section 6.10 of the Intercreditor Agreement to the Secured Obligations. (b) Upon the incurrence of indebtedness for borrowed money by the Company or any Subsidiary during the continuance of an Event of Default, the Company shall, within one Business Day of the Company's or such Subsidiary's receipt of the proceeds thereof, prepay the outstanding principal amount of the Notes in an amount equal to 100% of the Net Issuance Proceeds (as defined in the Credit Agreement) therefrom by depositing such amount with the Collateral Agent for application by the Collateral Agent under and pursuant to Section 6.10 of the Intercreditor Agreement to the Secured Obligations. (c) If any Event of Loss shall occur the Company shall, if either (i) an Event of Default shall have occurred and be continuing or (ii) if such Event of Loss is in a amount in excess of $1,500,000 and a Specified Loan to Value Event would occur after giving effect to such Event of Loss, within one Business Day of the Company's or such Subsidiary's receipt of the proceeds therefrom, prepay the outstanding principal amount of the Notes, together with the Make-Whole Amount payable with respect thereto, in an amount equal to (1) in the case of a prepayment by reason of the circumstances set forth in clause (i) above, 100% of the Net Proceeds therefrom by depositing such amount with the Collateral Agent for application by the Collateral Agent under and pursuant to Section 6.10 of the Intercreditor Agreement to the Secured Obligations, and (2) in the case of a prepayment be reason of the circumstances set forth in clause (ii) above, that amount of the Net Proceeds therefrom that would be required to be prepaid on the Notes so that after giving effect to the application thereof, such Specified Loan to Value Event would no longer exist by depositing such amount with the Collateral Agent for application by the Collateral Agent under and pursuant to Section 6.10 of the Intercreditor Agreement to the Secured Obligations. 9. AFFIRMATIVE COVENANTS. The Company covenants that so long as any of the Notes are outstanding: 9.1 Compliance with Law. The Company will, and will cause each of its Subsidiaries to, comply with all laws, ordinances or governmental rules or regulations to which each of them is subject, including, without limitation, Environmental Laws, and will obtain and maintain in effect all licenses, certificates, permits, franchises and other governmental authorizations necessary to the ownership of their respective properties or to the conduct of their respective businesses, in each case to the extent necessary to ensure that non-compliance with such laws, ordinances or governmental rules or regulations or failures to obtain or maintain in effect such licenses, certificates, permits, franchises and other governmental authorizations could not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect. -24- 9.2 Insurance. The Company shall, and shall cause each of its Subsidiaries to, carry and maintain in full force and effect, at its own expense and with financially sound and reputable insurance companies, insurance in such amounts, with such deductibles and covering such risks as is customarily carried by companies engaged in the same or similar businesses and owning similar properties in the localities where the Company or such Subsidiary operates, including fire, extended coverage, business interruption, public liability, property damage and worker's compensation. Insurance on the Collateral shall name the Holders as additional insured and shall name the Collateral Agent as loss payee. Upon the request of the Holders, the Company shall furnish the Holders from time to time with full information as to the insurance carried by it and, if so requested, copies of all such insurance policies. The Company shall also furnish to the Holders from time to time upon the request of any Holder a certificate of the Company's insurance broker or other insurance specialist stating that all premiums then due on the policies relating to insurance on the Collateral have been paid, that such policies are in full force and effect and that such insurance coverage and such policies comply with all the requirements of this subsection. All insurance policies required under this section shall provide that they shall not be terminated or cancelled nor shall any such policy be materially changed without at least 30 days' prior written notice to the Company and the Holders. Receipt of notice of termination or cancellation of any such insurance policies or reduction of coverages or amounts thereunder shall entitle the Holders to renew any such policies, cause the coverages and amounts thereof to be maintained at levels required pursuant to the first sentence of this Section 9.2 or otherwise to obtain similar insurance in place of such policies, in each case at the expense of the Company. 9.3 Maintenance of Properties; Action under Environmental Laws. (a) The Company will,and will cause each of its Subsidiaries to, maintain and keep, or cause to be maintained and kept, their respective properties in good repair, working order and condition (other than ordinary wear and tear), so that the business carried on in connection therewith may be properly conducted at all times, PROVIDED that this Section shall not prevent the Company or any Subsidiary from discontinuing the operation and the maintenance of any of its properties if such discontinuance is desirable in the conduct of its business and the Company has concluded that such discontinuance could not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect. (b) The Company shall, and shall cause each of its Subsidiaries to, upon becoming aware of the presence of any Hazardous Material or the existence of any environmental liability under applicable Environmental Laws with respect to the Premises, take all actions, at their cost and expense, as shall be necessary or advisable to investigate and clean up the condition of the Premises, including all removal, containment and remedial actions, and restore the Premises to a condition in compliance with applicable Environmental Laws. 9.4 Payment of Taxes and Claims. The Company will, and will cause each of its Subsidiaries to, file all tax returns required to be filed in any jurisdiction and to pay and discharge all taxes shown to be due and payable on -25- such returns and all other taxes, assessments, governmental charges, or levies imposed on them or any of their properties, assets, income or franchises, to the extent such taxes and assessments have become due and payable and before they have become delinquent and all claims for which sums have become due and payable that have or might become a Lien on properties or assets of the Company or any Subsidiary, PROVIDED that neither the Company nor any Subsidiary need pay any such tax or assessment or claims if (a) the amount, applicability or validity thereof is contested by the Company or such Subsidiary on a timely basis in good faith and in appropriate proceedings, and the Company has established adequate reserves therefor in accordance with GAAP on the books of the Company or (b) the nonpayment of all such taxes and assessments in the aggregate could not reasonably be expected to have a Material Adverse Effect. 9.5 Corporate Existence, etc. The Company and each Subsidiary will at all times preserve and keep in full force and effect its corporate existence. Subject to Sections 10.2 and 10.9, the Company will at all times preserve and keep in full force and effect the corporate existence of each of its Subsidiaries and all rights and franchises of the Company and its Subsidiaries unless, in the good faith judgment of the Company, the termination of or failure to preserve and keep in full force and effect such corporate existence, right or franchise could not, individually or in the aggregate, have a Material Adverse Effect. 9.6 [Intentionally Omitted.]. 9.7 Further Assurances and Additional Acts. The Company shall execute, acknowledge, deliver, file, notarize and register at its own expense all such further agreements, instruments, certificates, documents and assurances and perform such acts as the Holders shall deem necessary or appropriate to effectuate the purposes of the Loan Documents, and promptly provide the Holders with evidence of the foregoing satisfactory in form and substance to the Holders. 9.8 Proceeds of Events of Loss. All proceeds paid to the Company or any Subsidiary on account of any Event of Loss in excess of $1,500,000 shall be deposited or otherwise held in a deposit account or securities account in respect of which the Collateral Agent holds a perfected first priority Lien (subject only to Permitted Liens), for the ratable benefit of the Secured Parties as their interests may appear, pending the application of such proceeds to repay the Notes as provided in Section __ or to repair, replace or reconstruct the property affected by the Event of Loss. 9.9 Post-Closing Matters. In addition to the terms and provisions of Section 4.11, the Company shall, and shall cause its Subsidiaries to, within the time periods set forth below (to the extent such actions have not occurred on or prior to the Closing), cause the following to occur with respect to each Property described in any Deed of Trust as set forth below: (a) within thirty (30) days of the Closing, deliver a Lender's 1970 ALTA form of title insurance policy (or executed Pro-Forma thereof) in favor of the Collateral Agent in the amount of the net book value of such Property; (b) within thirty (30) days of the Closing, deliver the final appraisal with -26- respect to the Hewitt Property (as defined in the Credit Agreement) and the property in Napa County leased by the Company bearing APN 047-272-011 and owned by the Lois Martinez Trust, in form and substance reasonably satisfactory to the Purchasers; (c) within thirty (30) days of the Closing, deliver a Phase I Environmental Assessment addressed to and in form and substance reasonably satisfactory to the Holders, and prepared by an environmental engineering firm reasonably acceptable to the Holders, with respect to the Hewitt Property (as defined in the Credit Agreement) and the property located in Walla Walla County, Washington; (d) within sixty (60) days of the Closing, deliver an ALTA plat of survey prepared by a surveyor licensed in the state in which each such Property is located; and (e) within thirty (30) days of delivery of each survey, cause any necessary amendments, adjustments or modifications to the Deeds of Trust or the title insurance policy related to each Property as may be reasonably required to reflect the survey and the facts set forth therein on the title insurance policy and the Deeds of Trust. 10. NEGATIVE COVENANTS. The Company covenants that so long as any of the Notes are outstanding: 10.1 Transactions with Affiliates. The Company and each Restricted Subsidiary will not enter into directly or indirectly any transaction or Material group of related transactions (including without limitation the purchase, lease, sale or exchange of properties of any kind or the rendering of any service) with any Affiliate (other than the Company or another Restricted Subsidiary), except in the ordinary course and pursuant to the reasonable requirements of the Company's or such Restricted Subsidiary's business and upon fair and reasonable terms no less favorable to the Company or such Restricted Subsidiary than would be obtainable in a comparable arm's-length transaction with a Person not an Affiliate. 10.2 Restrictions on Fundamental Changes The Company shall not, and shall not permit any of its Subsidiaries to, merge with or consolidate into, or acquire all or substantially all of the assets of, any Person, or sell, transfer, lease or otherwise dispose of (whether in one transaction or in a series of transactions) all or substantially all of its assets, except that: (a) any of the Company's wholly owned Subsidiaries may merge with, consolidate into or transfer all or substantially all of its assets to another of the Company's wholly owned Subsidiaries that is a Guarantor or to the Company and in connection therewith such Subsidiary may be liquidated or dissolved; (b) the Company or any of its Subsidiaries may sell or dispose of assets in accordance with the provisions of Section 10.9; and (c) the Company or any of its Subsidiaries may make any investment permitted by Section 10.8. -27- 10.3 Liens; Negative Pledges. (a) The Company shall not, and shall not permit any of its Subsidiaries to, create, incur, assume or suffer to exist any Lien upon or with respect to any of its properties, revenues or assets, whether now owned or hereafter acquired, other than Permitted Liens. (b) The Company shall not, and shall not permit any of its Subsidiaries to, enter into or suffer to exist any agreement (other than this Agreement, any other Loan Document and the Credit Agreement) prohibiting or conditioning the creation or assumption of any Lien upon any of its properties, revenues or assets, whether now owned or hereafter acquired; PROVIDED, HOWEVER, that this subsection shall not prohibit any negative pledge incurred or provided in favor of any holder of Indebtedness permitted under subsection 10.5(j) solely to the extent any such negative pledge relates to the property financed by or the subject of such Indebtedness. 10.4 Financial Covenants. So long as any of the Notes shall remain unpaid, the Company agrees that: (a) Leverage Ratio. The Company shall maintain a ratio of (a) Consolidated Indebtedness PLUS six times Consolidated Rent Expense (measured on a rolling 4-quarter basis) to (b) Consolidated EBITDA PLUS one times Consolidated Rent Expense (in each case, measured on a rolling 4-quarter basis) (such ratio, the "Leverage Ratio") as of the last day of each fiscal quarter of not more than (i) 5.75 to 1.00 for the first, second, third and fourth fiscal quarters of 2002, (ii) 5.50 to 1.00 for the first fiscal quarter of 2003, (iii) 5.25 to 1.00 for the second fiscal quarter of 2003, (iv) 5.00 to 1.00 for the third and fourth fiscal quarters of 2003 and the first and second fiscal quarters of 2004, (v) 4.75 to 1.00 for the third and fourth fiscal quarters of 2004, (vi) 4.50 to 1.00 for the first and second fiscal quarters of 2005, (vii) 4.00 to 1.00 for the third and fourth fiscal quarters of 2005 and the first and second fiscal quarters of 2006 and (viii) 3.50 to 1.00 for the third fiscal quarter of 2006 and each fiscal quarter ending thereafter. (b) Minimum Consolidated Tangible Net Worth. The Company shall maintain Consolidated Tangible Net Worth at all times of not less than $76,000,000 PLUS the Net Issuance Proceeds received by the Company or any Subsidiary from the sale or issuance of equity securities to any Person other than the Company or any Subsidiary PLUS the Net Issuance Proceeds received by the Company or any Subsidiary from the sale or issuance of Subordinated Debt to any Person other than the Company or any Subsidiary plus 75% of positive Consolidated Net Income, if any, for each fiscal quarter elapsed after December 31, 2001. (c) Interest Coverage Ratio. The Company shall maintain a ratio of Consolidated EBIT to Consolidated Interest Expense, for each period of four consecutive fiscal quarters then ended, of not less than (i) 1.50 -28- to 1.00 as of the last day of the first, second, third and fourth fiscal quarters of 2002, (ii) 1.75 to 1.00 as of the last day of the first, second, third and fourth fiscal quarters of 2003, (iii) 2.50 to 1.00 as of the last day of the first, second, third and fourth fiscal quarters of 2004, (iv) 3.00 to 1.00 as of the last day of the first, second, third and fourth fiscal quarters of 2005 and (v) 3.50 to 1.00 as of the last day of the first fiscal quarter of 2006 and each fiscal quarter ending thereafter. (d) Fixed Charge Coverage Ratio. The Company shall maintain a ratio of (i) Consolidated EBITDA to (ii) the sum of Consolidated Interest Expense plus regularly scheduled principal payments on Indebtedness (including such payments attributable to Capital Leases) plus cash income taxes PLUS cash dividends, of the Company and its Subsidiaries on a consolidated basis, as determined in accordance with GAAP, for each period of four consecutive fiscal quarters then ended of not less than (1) 1.65 to 1.00 as of the last day of the first fiscal quarter of 2002 through the last day of the second fiscal quarter of 2004 and (2) 1.25 to 1.00 as of the last day of the third fiscal quarter of 2004 and each fiscal quarter ending thereafter. (e) Capital Expenditures. (i) The Company shall not, and shall not permit any of its Subsidiaries to, make or become legally obligated to make any expenditure in respect of the purchase or other acquisition of any new wine barrels where such expenditure exceeds, in the aggregate for the Company and its Subsidiaries during each fiscal year set forth below, the amount set forth opposite such fiscal year: Fiscal Year Ending Amount ------ ------ 2002 $4,500,000 2003 $5,000,000 2004 $5,500,000 2005 $6,000,000 2006 $6,500,000 2007 $7,000,000 2008 $7,500,000 2009 $8,000,000 2010 $8,000,000 (ii) The Company shall not, and shall not permit any of its Subsidiaries to, make or become legally obligated to make any expenditure in respect of the purchase or other acquisition of any fixed or capital assets (excluding those assets set out in clause (i) above), where such expenditure exceeds, in the aggregate for the Company and its Subsidiaries during each fiscal year set forth below, the amount set forth opposite such fiscal year: Fiscal Year Amount ------ -29- Ending ------ 2002 $6,000,000 2003 $12,000,000 2004 $12,500,000 2005 $4,500,000 2006 $3,000,000 2007 $3,000,000 2008 $2,500,000 2009 $2,500,000 2010 $2,500,000 PROVIDED, HOWEVER, that in respect of clauses (i) and (ii) above, so long as no Default or Event of Default has occurred and is continuing or would result from such expenditure, any portion of any such amount set forth above, if not expended in the fiscal year for which it is permitted above, may be carried over for expenditure in the next following fiscal year, but may not be carried over for expenditure in any fiscal year thereafter. 10.5 Indebtedness. The Company shall not, and shall not permit any of its Subsidiaries to, create, incur, assume or otherwise become liable for or suffer to exist any Indebtedness, other than: (a) Indebtedness of the Company and its Subsidiaries to the Holders hereunder; (b) Indebtedness of the Company and its Subsidiaries existing on the Closing Date and set forth in Schedule 5.15 or extensions, renewals and refinancings of such Indebtedness, PROVIDED that the principal amount of such Indebtedness being extended, renewed or refinanced does not increase; (c) accounts payable to trade creditors for goods and services and current operating liabilities (not the result of the borrowing of money) incurred in the ordinary course of the Company's or such Subsidiary's business in accordance with customary terms and paid within the specified time, unless contested in good faith by appropriate proceedings and reserved for in accordance with GAAP; (d) Indebtedness consisting of guarantees resulting from endorsement of negotiable instruments for collection by the Company or any such Subsidiary in the ordinary course of business; (e) Indebtedness under the Credit Agreement and any renewal, extension or refinancing of the Credit Agreement; PROVIDED that (i) any such renewal, extension or refinancing shall be on terms substantially similar to the terms which are set forth in the Credit Agreement on the Closing Date or on terms which are more favorable to the Company than such terms existing on the Closing Date; (ii) that the aggregate principal amount of the exposure thereunder shall not -30- exceed $72,500,000, plus accrued interest and other charges thereon; (iii) the maturity dates of such renewed, extended or refinanced Indebtedness shall not be shorter than the maturity dates of the existing Indebtedness under the Credit Agreement and the interest rate of such Indebtedness shall be at then prevailing interest rates; (iv) the new Indebtedness shall contain a term loan portion which shall not exceed $17,500,000 aggregate principal amount, and (v) the new Indebtedness shall contain a revolver facility in such amount and form as shall be reasonably necessary to provide the Company adequate liquidity thereunder and which shall not be in an amount in excess of $55,000,000; (f) Indebtedness under the Credit Agreement Guaranties; (g) Guaranty Obligations not to exceed $1,000,000 in the aggregate at any time outstanding; (h) Rate Contracts entered into in the ordinary course of business; (i) unsecured Indebtedness of the Company and its Subsidiaries in an aggregate principal amount not to exceed $3,000,000 at any time outstanding; (j) Indebtedness in respect of Capital Leases, Synthetic Lease Obligations and purchase money obligations for fixed or capital assets within the limitations set forth in clause (i) of the definition of Permitted Liens and other Indebtedness secured by Liens within the limitations set forth in clause (j) of the definition of Permitted Liens, or, in each case, extensions, renewals and refinancings of such Indebtedness, PROVIDED that the principal amount of such Indebtedness being extended, renewed or refinanced does not increase, and PROVIDED FURTHER that the aggregate principal amount of all such Indebtedness does not exceed $16,000,000 at any time outstanding; (k) Indebtedness subordinated on terms satisfactory to the Required Holders to the Notes in an aggregate principal amount not to exceed $2,000,000 at any time outstanding; and (l) Indebtedness of the Company to any of its wholly owned Subsidiaries or of any of its wholly owned Subsidiaries to another of its wholly owned Subsidiaries. 10.6 Intentionally Omitted. 10.7 Distributions. (a) The Company shall not declare or pay any dividends in respect of the Company's capital stock, or purchase, redeem, retire or otherwise acquire for value any of its capital stock now or hereafter outstanding, return any capital to its shareholders as such, or make any distribution of assets to its shareholders as such, or permit any of its Subsidiaries to purchase, redeem, retire, or otherwise acquire for value any stock of the Company, except that the Company may: -31- (i) declare and deliver dividends and distributions payable only in common stock of the Company; (ii) purchase, redeem, retire, or otherwise acquire shares of its capital stock with the proceeds received from a substantially concurrent issue of new shares of its capital stock; (iii) declare and pay cash dividends to its stockholders and purchase, redeem, retire or otherwise acquire shares of its own outstanding capital stock for cash during any fiscal year if (1) after giving effect thereto the aggregate amount of such dividends, purchases, redemptions, retirements and acquisitions paid or made during any fiscal year is not in excess of 25% of Consolidated Net Income of the Company for the fiscal year immediately preceding the year in which such dividend, purchase, redemption, retirement or acquisition is paid or made and (2) immediately prior to and after giving effect thereto, no Default shall have occurred and be continuing; and (iv) declare and pay the Wine Dividend Credits, PROVIDED that immediately prior to and after giving effect thereto, no Default shall have occurred and be continuing. (b) The Company shall not permit any Subsidiary of the Company to grant or otherwise agree to or suffer to exist any consensual restrictions on the ability of such Subsidiary to pay dividends and make other distributions to the Company, or to pay any Indebtedness owed to the Company or transfer properties and assets to the Company. 10.8 Loans and Investments. The Company shall not, and shall not permit any of its Subsidiaries to, purchase or otherwise acquire the capital stock, assets, obligations or other securities of or any interest in any Person, or otherwise extend any credit to, guarantee the obligations of or make any additional investments in any Person, other than: (a) extensions of credit in the nature of accounts receivable or notes receivable arising from the sales of goods or services in the ordinary course of business; (b) investments by the Company in the capital stock of wholly-owned Subsidiaries, and extensions of credit by the Company to any of its wholly owned Subsidiaries or by any of its wholly owned Subsidiaries to another of its wholly owned Subsidiaries or the Company, in each case in the ordinary course of business; (c) Permitted Investments; (d) purchases of assets in the ordinary course of business; (e) additional purchases of or investments in joint ventures or the capital stock, assets, obligations or other securities of or interest in other Persons, provided that (i) immediately prior to and after giving effect to such purchase or investment, no Event of -32- Default shall have occurred and be continuing, (ii) the aggregate cash and non-cash consideration for any such purchase or investment (or series of related purchases or investments) shall not exceed $5,000,000 without the prior written consent of the Required Holders and (iii) after giving effect to such purchase or investment, the Company shall be in full pro forma compliance with each of the financial covenants set forth in subsections 10.04(a) through (e), measured as of the last day of the fiscal quarter then most recently ended and (iv) in the case of any Acquisition, the prior, effective written consent or approval to such Acquisition of the board of directors or equivalent governing body of the acquiree is obtained; (f) employee loans and guarantees in accordance with the Company's usual and customary practices with respect thereto; (g) Guaranty Obligations permitted under Section 10.4(a); or (h) extensions of credit by the Company to its Subsidiary Canoe Ridge Vineyard L.L.C., its Subsidiary SHW Equity Co. and/or its Subsidiary Edna Valley Vineyard outstanding on or after the Closing Date in an aggregate amount for all such extensions of credit not to exceed, without the prior written consent of the Required Holders in their sole discretion, the Maximum Intercompany Loan Amount at any time outstanding; PROVIDED that all such extensions of credit by the Company (i) to Canoe Ridge Vineyard L.L.C. shall not at any time outstanding exceed the Canoe Ridge Intercompany Loan Amount, (ii) to Edna Valley Vineyard shall not at any time outstanding exceed the Edna Valley Intercompany Loan Amount and (iii) to SHW Equity Co. shall not at any time outstanding exceed the SHW Intercompany Loan Amount; and PROVIDED FURTHER that no Event of Default shall exist at the time of making any such credit extension or would result therefrom. 10.9 Sale of Assets. The Company shall not, and shall not permit any of its Subsidiaries to, sell, lease, transfer, or otherwise dispose of, or part with control of (whether in one transaction or a series of transactions) any assets (including any shares of stock in any Subsidiary or other Person), except sales or other dispositions of any of the following: (a) any inventory in the ordinary course of business; (b) any Permitted Investments; (c) any assets which have become worn out or obsolete or which are promptly being replaced, in the ordinary course of business; (d) any assets by any of its wholly owned Subsidiaries to another of its wholly owned Subsidiaries or to the Company; (e) any Specified Assets; PROVIDED that such sale or disposition is made in a bona fide arm's length transaction; and provided further that at the time of any such sale or disposition, no Event of Default shall exist or shall result therefrom; and -33- (f) any other assets to the extent not otherwise permitted under this Section 10.9; provided that such assets do not constitute the Primary Trademarks or Substantial Assets and such sale or disposition is made for fair market value; and provided further that (i) at the time of any such sale or disposition, no Event of Default shall exist or shall result therefrom, (ii) the aggregate sales price from such sale or disposition shall be paid in cash, and (iii) no dispositions of accounts or notes receivable shall be permitted hereunder. For purposes of clause (f) a sale, lease, transfer or other disposition of assets shall be deemed to be of "Substantial Assets" if such assets, when added to all other assets sold, leased, transferred or otherwise disposed of during the same fiscal year (other than assets sold in the ordinary course of business), shall exceed 5% of the Company's Consolidated Total Assets determined as of the end of the most recently completed fiscal year. 10.10 Limitations on Sale-and-Leaseback Transactions. The Company shall not, and shall not permit any of its Subsidiaries to, become liable, directly or indirectly, with respect to any lease, whether an Operating Lease or a Capital Lease, of any property (whether real, personal or mixed), whether now owned or hereafter acquired, (a) which the Company or such Subsidiary has sold or transferred or is to sell or transfer to any other Person or (b) which the Company or such Subsidiary intends to use for substantially the same purposes as any other property which has been or is to be sold or transferred by the Company or such Subsidiary to any other Person in connection with such lease, unless such sale or transfer is permitted under Section 10.9(f). 10.11 Subsidiary Guarantors. (a) The Company shall cause each of the Original Subsidiary Guarantors to execute and deliver, on or before the Closing, and thereafter shall cause each Additional Subsidiary Guarantor to execute and deliver, the Subsidiary Guarantee Agreement pursuant to which each such Subsidiary shall guarantee the payment of all amounts payable by the Company hereunder and under the Notes and the performance of all obligations of the Company hereunder and under the Notes and the Collateral Documents to which it is a party to secure its obligations under the Subsidiary Guarantee Agreement. (b) In connection with the delivery of the Subsidiary Guarantee Agreement and the relevant Collateral Documents, the Company shall cause each Subsidiary Guarantor to deliver to each Holder of the Notes (i) such documents and evidence with respect to such Subsidiary Guarantor as any Holder may reasonably request in order to establish the existence and good standing of such Subsidiary Guarantor and evidence that the Board of Directors of such Subsidiary Guarantor has adopted resolutions authorizing the execution and delivery of the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a party, (ii) evidence that the Subsidiary Guarantee Agreement and the relevant Collateral Documents do not violate any of such Subsidiary Guarantor's outstanding debt instruments in the form of (A) a certificate from such Subsidiary Guarantor to such effect, (B) consents or approvals of the holder or holders of any Security, and/or (C) amendments of agreements pursuant to which any Security may have been issued, all as may be reasonably -34- deemed necessary by the Holders to permit the execution and delivery of the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a party, (iii) a certificate of such Subsidiary as to the matters described in Exhibit 10.11(a) hereto and such certificates or other evidence as any Holder may reasonably request to establish that the transactions contemplated by the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a party shall not subject any such Subsidiary Guarantor to any tax, penalty, liability or other onerous condition under or pursuant to any applicable law or governmental regulation, (iv) an opinion of independent counsel (which opinion, in scope, form and substance, and counsel, shall be reasonably satisfactory to the Holders) and (v) all other documents and showings reasonably requested by the Holders in connection with the execution and delivery of the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a party, which documents shall be satisfactory in form and substance to the Holders and their special counsel, and each Holder shall have received a copy (executed or certified as may be appropriate) of all of the foregoing legal documents. (c) In addition to the other limitations contained in this Agreement, the Company will not permit any Subsidiary which is not a Subsidiary Guarantor at that time to be or become liable in respect of any other Guaranty after the date hereof; PROVIDED, however, that such Subsidiary may execute and deliver such subsequent Guaranty so long as the Company shall contemporaneously therewith cause such Subsidiary to execute and deliver, and such Subsidiary shall execute and deliver, to the Holders of the Notes, the Subsidiary Guarantee Agreement and all relevant Collateral Documents together with all other documents, agreement, certificates and opinions in compliance with the terms and provisions of this Section 10.11. It being the intent of this Section 10.11(c) that at all times the Company shall cause all Subsidiaries which have executed and delivered Guaranties to Holders of Funded Debt of the Company and/or any other Subsidiary to be Subsidiary Guarantors in accordance with and pursuant to the provisions of this Section 10.11. (d) All reasonable out-of-pocket fees and expenses of the Holders of the Notes, including, without limitation, the reasonable fees and expenses of special counsel to the Holders of the Notes, incurred in connection with the execution and delivery of the Subsidiary Guarantee Agreement, the Collateral Documents and the related agreements and opinions described above shall be borne by the Company. 10.12 Line of Business. The Company will not, and will not permit any of the Restricted Subsidiaries to, engage in any business if, as a result, the general nature of the business in which the Company and the Restricted Subsidiaries, taken as a whole, would then be engaged would be substantially changed from the general nature of the business in which the Company and the Restricted Subsidiaries, taken as a whole, are engaged on the date of the Closing. 10.13 Change of Control. The Company will not allow a Change of Control. -35- 10.14 Amendments of Certain Documents. The Company shall not, and shall not permit any of its Subsidiaries to, agree to or permit any amendment, modification or waiver of: (a) any provision of any agreement related to any Subordinated Debt (including any amendment, modification or waiver pursuant to an exchange of other securities or instruments for outstanding Subordinated Debt) if the effect of such amendment, modification or waiver is to (i) increase the interest rate on such Subordinated Debt or change (to earlier dates) the dates upon which principal and interest are due thereon; (ii) alter the redemption, prepayment or subordination provisions thereof; (iii) alter the covenants and events of default in a manner which would make such provisions more onerous or restrictive to the Company or such Subsidiary; or (iv) otherwise increase the obligations of the Company or such Subsidiary in respect of such Subordinated Debt or confer additional rights upon the holders thereof which individually or in the aggregate would be adverse to the Company, its Subsidiaries or the Holders; and (b) any provision of any of the Credit Agreement Documents (including any amendment, modification or waiver pursuant to an exchange of other securities or instruments for outstanding Revolving Notes or Term) if the effect of such amendment, modification or waiver would be to (i) change to earlier dates the dates upon which principal and interest are due thereunder, (ii) alter the redemption or prepayment provisions thereof, or (iii) alter the provisions thereof relating to dispositions of collateral. 10.15 Redemption of Subordinated Debt. The Company shall not, and shall not permit any of its Subsidiaries to, make any voluntary or optional payment or repayment on, redemption, exchange or acquisition for value of, or any sinking fund or similar payment with respect to, any Subordinated Debt. Notwithstanding the foregoing, the Company may from time to time satisfy all or any portion of the outstanding principal and accrued and unpaid interest in respect of any Subordinated Debt by exchanging common stock or Permitted Preferred Stock of the Company in satisfaction of such outstanding principal and accrued and unpaid interest pursuant to a non-cash transaction approved in good faith by the Board of Directors of the Company. The Company shall promptly notify the Holders of any such exchange. 10.16 Hazardous Substances. The Company shall not, and shall not permit any of its Subsidiaries to, use, generate, manufacture, install, treat, release, store or dispose of any Hazardous Material, except in compliance with all applicable Environmental Laws. 10.17 Accounting Changes. The Company shall not, and shall not suffer or permit any of its Subsidiaries to, make any significant change in accounting treatment or reporting practices, except as required or permitted -36- by GAAP, or change its fiscal year or that of any of its consolidated Subsidiaries, except to change the fiscal year of a Subsidiary acquired in connection with a permitted acquisition to conform its fiscal year to the Company's. 10.18 Foreign Subsidiaries. The Company shall not directly or indirectly create or acquire any Foreign Subsidiary without the prior written consent of the Required Holders. 11. EVENTS OF DEFAULT. An "EVENT OF DEFAULT" shall exist if any of the following conditions or events shall occur: (a) the Company defaults in the payment of any principal or Make-Whole Amount, if any, on any Note when the same becomes due and payable, whether at maturity or at a date fixed for prepayment or by declaration or otherwise; or (b) the Company defaults in the payment of any interest on any Note or any other amount payable hereunder or under any other Loan Document for more than three Business Days after the same becomes due and payable; or (c) the Company defaults in the performance of or compliance with any term contained in Sections 7, 9.2, 9.5 and 10 inclusive; or (d) the Company defaults in the performance of or compliance with any term contained herein (other than those referred to in paragraphs (a), (b) and (c) of this Section 11) and such default is not remedied within 30 days after the occurrence thereof; or (e) any representation or warranty made in writing by or on behalf of the Company or any Original Subsidiary Guarantor or by any officer of the Company or any Original Subsidiary Guarantor in this Agreement, any Collateral Document or in any writing furnished in connection with the transactions contemplated hereby proves to have been false or incorrect in any Material respect on the date as of which made; or (f) (i)the Company or any Subsidiary Guarantor is in default (as principal or as guarantor or other surety) in the payment of any principal of or premium or make-whole amount or interest on any Debt that is outstanding in an aggregate principal amount exceeding $1,500,000 beyond any period of grace provided with respect thereto, or (ii) the Company or any Subsidiary Guarantor is in default in the performance of or compliance with any term of any evidence of any Debt in an aggregate outstanding principal amount exceeding $1,500,000 or of any mortgage, indenture or other agreement relating thereto or any other condition exists, and as a consequence of such default or condition such Debt has become, or has been declared (or one or more Persons are entitled to declare such Debt to be), due and payable before its stated maturity or before its regularly scheduled dates of payment, or (iii) as a consequence of the occurrence or continuation of any event or condition (other than the passage of time or the right of the holder of Debt to convert such Debt into equity interests), (x) the Company or any Subsidiary Guarantor has become obligated to purchase or repay Debt before its regular maturity -37- or before its regularly scheduled dates of payment in an aggregate outstanding principal amount exceeding $1,500,000, or (y) one or more Persons have the right to require the Company or any Subsidiary Guarantor so to purchase or repay such Debt; or (g) the Company or any Subsidiary (i) is generally not paying, or admits in writing its inability to pay, its debts as they become due, (ii) files, or consents by answer or otherwise to the filing against it of, a petition for relief or reorganization or arrangement or any other petition in bankruptcy, for liquidation or to take advantage of any bankruptcy, insolvency, reorganization, moratorium or other similar law of any jurisdiction, (iii) makes an assignment for the benefit of its creditors, (iv) consents to the appointment of a custodian, receiver, trustee or other officer with similar powers with respect to it or with respect to any substantial part of its property, (v) is adjudicated as insolvent or to be liquidated, or (vi) takes corporate action for the purpose of any of the foregoing; or (h) a court or governmental authority of competent jurisdiction enters an order appointing, without consent by the Company or any of its Subsidiaries, a custodian, receiver, trustee or other officer with similar powers with respect to it or with respect to any substantial part of its property, or constituting an order for relief or approving a petition for relief or reorganization or any other petition in bankruptcy or for liquidation or to take advantage of any bankruptcy or insolvency law of any jurisdiction, or ordering the dissolution, winding-up or liquidation of the Company or any of its Subsidiaries, or any such petition shall be filed against the Company or any of its Subsidiaries and such petition shall not be dismissed within 60 days; or (i) a final judgment or judgments for the payment of money aggregating in excess of $1,500,000 are rendered against one or more of the Company and its Subsidiaries and which judgments are not, within 20 days after entry thereof, bonded, discharged or stayed pending appeal, or are not discharged within 20 days after the expiration of such stay; or (j) (i) Default shall occur in the observance or performance of any covenant or agreement contained in any Subsidiary Guarantee Agreement which is not remedied within 20 days after the occurrence thereof, (2) any Subsidiary Guarantee Agreement shall cease to be in full force and effect for any reason whatsoever, including, without limitation, a determination by any governmental body or court that such agreement is invalid, void or unenforceable or (3) the Company or any Subsidiary Guarantor, as the case may be, shall contest or deny in writing the validity or enforceability of any of its obligations under any Subsidiary Guarantee Agreement; or (k) any Plan shall fail to satisfy the minimum funding standards of ERISA or the Code for any plan year or part thereof or a waiver of such standards or extension of any amortization period is sought or granted under section 412 of the Code, (ii) a notice of intent to terminate any Plan shall have been or is reasonably expected to be filed with the PBGC or the PBGC shall have instituted proceedings under ERISA section 4042 to terminate or appoint a trustee to administer any Plan or the PBGC shall have notified the Company or any ERISA Affiliate that a Plan may become a subject of any such proceedings, (iii) the aggregate "amount of unfunded benefit liabilities" (within the meaning of section 4001(a)(18) of ERISA) under all Plans, determined in accordance with Title IV of ERISA, shall exceed $1,500,000, (iv) the -38- Company or any ERISA Affiliate shall have incurred or is reasonably expected to incur any liability pursuant to Title I or IV of ERISA or the penalty or excise tax provisions of the Code relating to employee benefit plans, (v) the Company or any ERISA Affiliate withdraws from any Multiemployer Plan, or (vi) the Company or any Subsidiary establishes or amends any employee welfare benefit plan that provides post-employment welfare benefits in a manner that would increase the liability of the Company or any Subsidiary thereunder; and any such event or events described in clauses (i) through (vi) above, either individually or together with any other such event or events, could reasonably be expected to have a Material Adverse Effect; or (l) a Material Adverse Effect shall occur; or (m) a Change of Control shall occur; or (n) [intentionally omitted]; or (o) the Environmental Indemnity after delivery thereof shall for any reason be revoked or invalidated, or otherwise cease to be in full force and effect, or the Company or any other Person shall contest in any manner the validity or enforceability thereof, or the Company shall deny that it has any further liability or obligation thereunder; or (p) the subordination or intercreditor provisions of the Intercreditor Agreement or of any agreement or instrument governing any Subordinated Debt shall for any reason be revoked or invalidated, or otherwise cease to be in full force and effect, any Person shall contest in any manner the validity or enforceability thereof or deny that it has any further liability or obligation thereunder, or the Indebtedness hereunder shall for any reason be subordinated or shall not have the priority contemplated by this Agreement or such subordination or intercreditor provisions; or (q) the Company or any other Person shall fail to perform or observe any term, covenant or agreement contained in the Collateral Documents on its part to be performed or observed and any such failure shall remain unremedied for a period of 20 days from the occurrence thereof (unless the Required Holders determine that such failure is not capable of remedy), or any "Event of Default" as defined in any Collateral Document shall have occurred; or any of the Collateral Documents after delivery thereof shall for any reason be revoked or invalidated, or otherwise cease to be in full force and effect, or the Company or any other Person shall contest in any manner the validity or enforceability thereof, or the Company or any other Person shall deny that it has any further liability or obligation thereunder; or any of the Collateral Documents for any reason, except to the extent permitted by the terms thereof, shall cease to create a valid and perfected first priority Lien subject only to Permitted Liens in any of the Collateral purported to be covered thereby; or any title insurance coverage in respect of any material portion of the Collateral is disavowed or becomes ineffective. As used in Section 11(k), the terms "EMPLOYEE BENEFIT PLAN" and "EMPLOYEE WELFARE BENEFIT PLAN" shall have the respective meanings assigned to such terms in Section 3 of ERISA. -39- 12. REMEDIES ON DEFAULT, ETC. 12.1 Acceleration. (a) If an Event of Default with respect to the Company described in paragraph (g) or (h) of Section 11 (other than an Event of Default described in clause (i) of paragraph (g) or described in clause (vi) of paragraph (g) by virtue of the fact that such clause encompasses clause (i) of paragraph (g)) has occurred, all the Notes then outstanding shall automatically become immediately due and payable. (b) If any other Event of Default has occurred and is continuing, any Holder or Holders of more than 25% in principal amount of the Notes at the time outstanding may at any time at its or their option, by notice or notices to the Company, declare all the Notes then outstanding to be immediately due and payable. (c) If any Event of Default described in paragraph (a) or(b) of Section 11 has occurred and is continuing, any Holder or Holders of Notes at the time outstanding affected by such Event of Default may at any time, at its or their option, by notice or notices to the Company, declare all the Notes held by it or them to be immediately due and payable. Upon any Notes becoming due and payable under this Section 12.1, whether automatically or by declaration, such Notes will forthwith mature and the entire unpaid principal amount of such Notes, plus (x) all accrued and unpaid interest thereon and (y) the Make-Whole Amount determined in respect of such principal amount (to the full extent permitted by applicable law), shall all be immediately due and payable, in each and every case without presentment, demand, protest or further notice, all of which are hereby waived. The Company acknowledges, and the parties hereto agree, that each holder of a Note has the right to maintain its investment in the Notes free from repayment by the Company (except as herein specifically provided for) and that the provision for payment of a Make-Whole Amount by the Company in the event that the Notes are prepaid or are accelerated as a result of an Event of Default, is intended to provide compensation for the deprivation of such right under such circumstances. 12.2 Other Remedies. If any Default or Event of Default has occurred and is continuing, and irrespective of whether any Notes have become or have been declared immediately due and payable under Section 12.1, the Holder of any Note at the time outstanding may proceed to protect and enforce the rights of such Holder by an action at law, suit in equity or other appropriate proceeding, whether for the specific performance of any agreement contained herein or in any Note, or for an injunction against a violation of any of the terms hereof or thereof, or in aid of the exercise of any power granted hereby or thereby or by law or otherwise. 12.3 Rescission. At any time after any Notes have been declared due and payable pursuant to clause (b) or (c) of Section 12.1, the Holders of not less than 66-2/3% in principal amount of the Notes then -40- outstanding, by written notice to the Company, may rescind and annul any such declaration and its consequences if (a) the Company has paid all overdue interest on the Notes, all principal of and Make-Whole Amount, if any, on any Notes that are due and payable and are unpaid other than by reason of such declaration, and all interest on such overdue principal and Make-Whole Amount, if any, and (to the extent permitted by applicable law) any overdue interest in respect of the Notes, at the Default Rate, (b) all Events of Default and Defaults, other than non-payment of amounts that have become due solely by reason of such declaration, have been cured or have been waived pursuant to Section 17, and (c) no judgment or decree has been entered for the payment of any monies due pursuant hereto or to the Notes. No rescission and annulment under this Section 12.3 will extend to or affect any subsequent Event of Default or Default or impair any right consequent thereon. 12.4 No Waivers or Election of Remedies, Expenses, etc. No course of dealing and no delay on the part of any Holder of any Note in exercising any right, power or remedy shall operate as a waiver thereof or otherwise prejudice such holder's rights, powers or remedies. No right, power or remedy conferred by this Agreement or by any Note upon any Holder thereof shall be exclusive of any other right, power or remedy referred to herein or therein or now or hereafter available at law, in equity, by statute or otherwise. Without limiting the obligations of the Company under Section 15, the Company will pay to the holder of each Note on demand such further amount as shall be sufficient to cover all costs and expenses of such holder incurred in any enforcement or collection under this Section 12, including, without limitation, reasonable attorneys' fees, expenses and disbursements. 13. REGISTRATION; EXCHANGE; SUBSTITUTION OF NOTES. 13.1 Registration of Notes. The Company shall keep at its principal executive office a register for the registration and registration of transfers of Notes. The name and address of each Holder and the name and address of each transferee of one or more Notes shall be registered in such register. Prior to due presentment for registration of transfer, the Person in whose name any Note shall be registered shall be deemed and treated as the owner and Holder thereof for all purposes hereof, and the Company shall not be affected by any notice or knowledge to the contrary. The Company shall give to any Holder promptly upon request therefor, a complete and correct copy of the names and addresses of all registered Holders. 13.2 Transfer and Exchange of Notes. Upon surrender of any Note at the principal executive office of the Company for registration of transfer or exchange (and in the case of a surrender for registration of transfer, duly endorsed or accompanied by a written instrument of transfer duly executed by the registered Holder or his attorney duly authorized in writing and accompanied by the address for notices of each transferee of such Note or part thereof), the Company shall execute and deliver, at the Company's expense (except as provided below), one or more new Notes (as requested by the Holder thereof) in such Series in exchange therefor, in an aggregate principal amount equal to the -41- unpaid principal amount of the surrendered Note. Each such new Note shall be payable to such Person as such Holder may request and shall be substantially in the form of Exhibit 1-A, 1-B or 1-C, as the case may be. Each such new Note shall be dated and bear interest from the date to which interest shall have been paid on the surrendered Note or dated the date of the surrendered Note if no interest shall have been paid thereon. The Company may require payment of a sum sufficient to cover any stamp tax or governmental charge imposed in respect of any such transfer of Notes. Notes shall not be transferred in denominations of less than $100,000, PROVIDED THAT if necessary to enable the registration of transfer by a Holder of its entire holding of Notes, one Note may be in a denomination of less than $100,000. Any transferee, by its acceptance of a Note registered in its name (or the name of its nominee), shall be deemed to have made the representation set forth in Section 6.2. 13.3 Replacement of Notes. Upon receipt by the Company of evidence reasonably satisfactory to it of the ownership of and the loss, theft, destruction or mutilation of any Note (which evidence shall be, in the case of an Institutional Investor, notice from such Institutional Investor of such ownership and such loss, theft, destruction or mutilation), and (a) in the case of loss, theft or destruction, of indemnity reasonably satisfactory to it (PROVIDED THAT if the Holder is, or is a nominee for, an original Purchaser or another Holder with a minimum net worth of at least $25,000,000, such Person's own unsecured agreement of indemnity shall be deemed to be satisfactory), or (b) in the case of mutilation, upon surrender and cancellation thereof, the Company at the Holder's sole expense shall execute and deliver, in lieu thereof, a new Note of such Series, dated and bearing interest from the date to which interest shall have been paid on such lost, stolen, destroyed or mutilated Note or dated the date of such lost, stolen, destroyed or mutilated Note if no interest shall have been paid thereon. 14. PAYMENT OF NOTES. 14.1 Place of Payment. Subject to Section 14.2, payments of principal, Make-Whole Amount, if any, and interest becoming due and payable on the Notes shall be made in New York, New York, at the principal office of Chase Manhattan Bank. The Company may at any time, by notice to each Holder, change the place of payment of the Notes so long as such place of payment shall be either the principal office of the Company in such jurisdiction or the principal office of a bank or trust company in such jurisdiction. 14.2 Home Office Payment. So long as any Purchaser or its nominee shall be a Holder, and notwithstanding anything contained in Section 14.1 or in such Note to the contrary, the Company will pay all sums becoming due on such Note for principal, Make-Whole Amount, if any, and interest by the -42- method and at the address specified for such purpose below such Purchaser's name in Schedule A, or by such other method or at such other address as such Purchaser or nominee shall have from time to time specified to the Company in writing for such purpose, without the presentation or surrender of such Note or the making of any notation thereon, except that upon written request of the Company made concurrently with or reasonably promptly after payment or prepayment in full of any Note, such Purchaser or nominee shall surrender such Note for cancellation, reasonably promptly after any such request, to the Company at its principal executive office or at the place of payment most recently designated by the Company pursuant to Section 14.1. Prior to any sale or other disposition of any Note, any Purchaser or its nominee will, at its election, either endorse thereon the amount of principal paid thereon and the last date to which interest has been paid thereon or surrender such Note to the Company in exchange for a new Note or Notes pursuant to Section 13.2. The Company will afford the benefits of this Section 14.2 to any Institutional Investor that is the direct or indirect transferee of any Note purchased by each Purchaser under this Agreement and that has made the same agreement relating to such Note as each Purchaser has made in this Section 14.2. 15. EXPENSES, ETC. 15.1 Transaction Expenses. Whether or not the transactions contemplated hereby are consummated, the Company will pay all costs and expenses (including reasonable attorneys' fees of a special counsel and, if reasonably required, local or other counsel) incurred by each Purchaser or Holder in connection with such transactions and in connection with any amendments, waivers or consents under or in respect of this Agreement or the Notes (whether or not such amendment, waiver or consent becomes effective), including, without limitation: (a) the costs and expenses incurred in enforcing or defending (or determining whether or how to enforce or defend) any rights under this Agreement or the Notes or in responding to any subpoena or other legal process or informal investigative demand issued in connection with this Agreement or the Notes, or by reason of being a Holder, and (b) the costs and expenses, including financial advisors' fees, incurred in connection with the insolvency or bankruptcy of the Company, any Restricted Subsidiary or any Subsidiary Guarantor in connection with any work-out or restructuring of the transactions contemplated hereby and by the Notes. The Company will pay, and will save each Purchaser or other Holder harmless from, all claims in respect of any fees, costs or expenses if any, of brokers and finders (other than those retained by such Purchaser or other Holder). 15.2 Survival. The obligations of the Company under this Section 15 will survive the payment or transfer of any Note, the enforcement, amendment or waiver of any provision of this Agreement, the Collateral Documents or the Notes, and the termination of this Agreement and the Collateral Documents. -43- 16. SURVIVAL OF REPRESENTATIONS AND WARRANTIES; ENTIRE AGREEMENT. All representations and warranties contained herein shall survive the execution and delivery of this Agreement and the Notes, the purchase or transfer by any Purchaser of any Note or portion thereof or interest therein and the payment of any Note, and may be relied upon by any subsequent Holder, regardless of any investigation made at any time by or on behalf of any Purchaser or any other Holder. All statements contained in any certificate or other instrument delivered by or on behalf of the Company pursuant to this Agreement or any Collateral Document shall be deemed representations and warranties of the Company under this Agreement and such Collateral Document. Subject to the preceding sentence, this Agreement, the Collateral Documents and the Notes embody the entire agreement and understanding between the Purchasers and the Company and supersede all prior agreements and understandings relating to the subject matter hereof. 17. AMENDMENT AND WAIVER. 17.1 Requirements. This Agreement and the Notes may be amended, and the observance of any term hereof or of the Notes may be waived (either retroactively or prospectively), with (and only with) the written consent of the Company and the Required Holders, and the Notes may be amended and the observance of any term of the Notes may be waived (either retroactively or prospectively), with and only with the written consent of the Company and the Required Holders, except that (a) no amendment or waiver of any of the provisions of Section 1, 2, 3, 4, 5, 6 or 21 hereof, or any defined term (as it is used therein), will be effective as to each Purchaser unless consented to by each Purchaser in writing, and (b) no such amendment or waiver may, without the written consent of the Holder of each Note at the time outstanding affected thereby, (i) subject to the provisions of Section 12 relating to acceleration or rescission, change the amount or time of any prepayment or payment of principal of, or reduce the rate or change the time of payment or method of computation of interest or of the Make-Whole Amount on, the Notes, (ii) change the percentage of the principal amount of the Notes, the Holders of which are required to consent to any such amendment or waiver or (iii) amend any of Sections 8, 11(a), 11(b), 12, 17 or 20. 17.2 Solicitation of Holders of Notes. (a) Solicitation -- the Company will provide each Holder of the Notes (irrespective of the amount of Notes then owned by it) with sufficient information, sufficiently far in advance of the date a decision is required, to enable such Holder to make an informed and considered decision with respect to any proposed amendment, waiver or consent in respect of any of the provisions hereof or of the Notes or of the Collateral Documents. The Company will deliver executed or true and correct copies of each amendment, waiver or consent effected pursuant to the provisions of this Section 17 to each Holder of outstanding Notes promptly following the date on which it is executed and delivered by, or receives the consent or approval of, the requisite Holders of Notes. -44- (b) Payment -- the Company will not directly or indirectly pay or cause to be paid any remuneration, whether by way of supplemental or additional interest, fee or otherwise, or grant any security, to any Holder of Notes as consideration for or as an inducement to the entering into by any Holder of Notes of any waiver or amendment of any of the terms and provisions hereof or of the Notes or of the Collateral Documents unless such remuneration is concurrently paid, or security is concurrently granted, on the same terms, ratably to each Holder of Notes then outstanding whether or not such Holder consented to such waiver or amendment. 17.3 Binding Effect, etc. Any amendment or waiver consented to as provided in this Section 17 applies equally to all Holders of Notes and is binding upon them and upon each future Holder of Notes and upon the Company without regard to whether such Note has been marked to indicate such amendment or waiver. No such amendment or waiver will extend to or affect any obligation, covenant, agreement, Default or Event of Default not expressly amended or waived or impair any right consequent thereon. No course of dealing between the Company and any Holder nor any delay in exercising any rights hereunder or under any Note shall operate as a waiver of any rights of any Holder. As used herein, the term "this Agreement" and references thereto shall mean this Agreement as it may from time to time be amended or supplemented. 17.4 Notes Held by Company, etc. Solely for the purpose of determining whether the Holders of the requisite percentage of the aggregate principal amount of Notes then outstanding approved or consented to any amendment, waiver or consent to be given under this Agreement or the Notes, or have directed the taking of any action provided herein or in the Notes to be taken upon the direction of the Holders of a specified percentage of the aggregate principal amount of Notes then outstanding, Notes directly or indirectly owned by the Company or any of its Affiliates shall be deemed not to be outstanding. 18. NOTICES. All notices and communications provided for hereunder shall be in writing and sent (a) by telecopy if the sender on the same day sends a confirming copy of such notice by a recognized overnight delivery service (charges prepaid), or (b) by registered or certified mail with return receipt requested (postage prepaid), or (c) by a recognized overnight delivery service (with charges prepaid). Any such notice must be sent: (i) if to a Purchaser or its nominee, to such Purchaser or its nominee at the address specified for such communications in Schedule A, or at such other address as such Purchaser or its nominee shall have specified to the Company in writing, (ii) if to any other Holder, to such Holder at such address as such other Holder shall have specified to the Company in writing, or -45- (iii) if to the Company,to the Company at its address set forth at the beginning hereof to the attention of the Chief Financial Officer, or if to the Company's website at www.chalonewinegroup.com, or at such other address as the Company shall have specified to the Holder of each Note in writing. Notices under this Section 18 will be deemed given only when actually received. 19. REPRODUCTION OF DOCUMENTS. This Agreement and all documents relating thereto, including, without limitation, (a) consents, waivers and modifications that may hereafter be executed, (b) documents received by each Holder at the Closing (except the Notes themselves), and (c) financial statements, certificates and other information previously or hereafter furnished to any Holder, may be reproduced by such Holder by any photographic, photostatic, microfilm, microcard, miniature photographic or other similar process and such Holder may destroy any original document so reproduced. The Company agrees and stipulates that, to the extent permitted by applicable law, any such reproduction shall be admissible in evidence as the original itself in any judicial or administrative proceeding (whether or not the original is in existence and whether or not such reproduction was made by such Holder in the regular course of business) and any enlargement, facsimile or further reproduction of such reproduction shall likewise be admissible in evidence. This Section 19 shall not prohibit the Company or any Holder from contesting any such reproduction to the same extent that it could contest the original, or from introducing evidence to demonstrate the inaccuracy of any such reproduction. 20. CONFIDENTIAL INFORMATION. For the purposes of this Section 20, "CONFIDENTIAL INFORMATION" means information delivered to each Holder by or on behalf of the Company or any Subsidiary in connection with the transactions contemplated by or otherwise pursuant to this Agreement that is proprietary in nature and that was clearly marked or labeled or otherwise adequately identified when received by such Holder as being confidential information of the Company or such Subsidiary, provided that such term does not include information that (a) was publicly known or otherwise known to such Holder prior to the time of such disclosure, (b) subsequently becomes publicly known through no act or omission by such Holder or any Person acting on such Holder's behalf, (c) otherwise becomes known to such Holder other than through disclosure by the Company, any Subsidiary or any Guarantor through disclosure by a Person who was otherwise permitted to make such disclosure, or (d) constitutes financial statements delivered to such Holder under Section 7.1 that are otherwise publicly available. Each Holder will use its best efforts to maintain the confidentiality of such Confidential Information in accordance with procedures adopted by such Holder in good faith to protect confidential information of third parties delivered to such Holder, PROVIDED THAT such Holder may deliver or disclose Confidential Information to (i) each Holder's directors, trustees, officers, employees, Purchasers, attorneys and affiliates (to the extent such disclosure reasonably relates to the administration of the investment represented by each Holder's Notes), (ii) each Holder's financial advisors and other professional advisors who agree to hold confidential the Confidential -46- Information substantially in accordance with the terms of this Section 20, (iii) any other Holder, (iv) any Institutional Investor to which any Holder sells or offers to sell such Note or any part thereof or any participation therein (if such Person has agreed in writing prior to its receipt of such Confidential Information to be bound by the provisions of this Section 20), (v) any Person from whom any Holder offers to purchase any security of the Company (if such Person has agreed in writing prior to its receipt of such Confidential Information to be bound by the provisions of this Section 20), (vi) any federal or state regulatory authority having jurisdiction over any Holder, (vii) the National Association of Insurance Commissioners or any similar organization, or any nationally recognized rating agency that requires access to information about such Holder's investment portfolio or (viii) any other Person to which such delivery or disclosure may be necessary or appropriate (w) to effect compliance with any law, rule, regulation or order applicable to any Holder, (x) in response to any subpoena or other legal process, (y) in connection with any litigation to which any Holder is a party or (z) if an Event of Default has occurred and is continuing, to the extent any Holder may reasonably determine such delivery and disclosure to be necessary or appropriate in the enforcement or for the protection of the rights and remedies under your Notes and this Agreement. Each Holder, by its acceptance of a Note, will be deemed to have agreed to be bound by and to be entitled to the benefits of this Section 20 as though it were a party to this Agreement. 21. SUBSTITUTION OF PURCHASER; PARTICIPATION. (a) Each Purchaser shall have the right to substitute any one of its Affiliates as the purchaser of the Notes that such Purchaser has agreed to purchase hereunder, by written notice to the Company, which notice shall be signed by both such Purchaser and such Affiliate, shall contain such Affiliate's agreement to be bound by this Agreement and shall contain a confirmation by such Affiliate of the accuracy with respect to it of the representations set forth in Section 6. Upon receipt of such notice, wherever the word "Purchaser" is used in this Agreement (other than in this Section 21), such word shall be deemed to refer to such Affiliate in lieu of the previous Purchaser. In the event that such Affiliate is so substituted as a purchaser hereunder and such Affiliate thereafter transfers to any Purchaser all of the Notes then held by such Affiliate, upon receipt by the Company of notice of such transfer, wherever the word "Purchaser" is used in this Agreement (other than in this Section 21), such word shall no longer be deemed to refer to such Affiliate, but shall refer to the Purchaser, and the Purchaser shall have all the rights of an original Holder under this Agreement. (b) Any Holder may at any time sell to one or more Persons not Affiliates of the Company (a "Participant") participating interests in any loan evidenced by a Note issued hereunder held by such Holder (the "Originating Holder"); provided, however, that (i) the Originating Holder's obligations under this Agreement shall remain unchanged, (ii) the Originating Holder shall remain solely responsible for the performance of such obligations, (iii) the Company and the Subsidiary Guarantors shall deal solely and directly with the Originating Holder in connection with the Originating Holder's rights and obligations under this Agreement and the Notes held by it, and (iv) no Holder shall transfer or grant any participating interest under which the Participant has rights to approve any amendment to, or any consent or waiver with respect to, this Agreement or any of the Notes. In the case of any such participation, the -47- Participant shall be entitled to the benefit of Section14.2, as though it were also a Holder hereunder. 22. MISCELLANEOUS. 22.1 Successors and Assigns. All covenants and other agreements contained in this Agreement by or on behalf of any of the parties hereto bind and inure to the benefit of their respective successors and assigns (including, without limitation, any subsequent Holder) whether so expressed or not. 22.2 Payments Due on Non-Business Days. Anything in this Agreement or the Notes to the contrary notwithstanding, any payment of principal of or Make-Whole Amount or interest on any Note that is due on a date other than a Business Day shall be made on the next succeeding Business Day without including the additional days elapsed in the computation of the interest payable on such next succeeding Business Day. 22.3 Severability. Any provision of this Agreement that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall (to the full extent permitted by law) not invalidate or render unenforceable such provision in any other jurisdiction. 22.4 Construction. Each covenant contained herein shall be construed (absent express provision to the contrary) as being independent of each other covenant contained herein, so that compliance with any one covenant shall not (absent such an express contrary provision) be deemed to excuse compliance with any other covenant. Where any provision herein refers to action to be taken by any Person, or which such Person is prohibited from taking, such provision shall be applicable whether such action is taken directly or indirectly by such Person. 22.5 Counterparts. This Agreement may be executed in any number of counterparts, each of which shall be an original but all of which together shall constitute one instrument. Each counterpart may consist of a number of copies hereof, each signed by less than all, but together signed by all, of the parties hereto. 22.6 Governing Law; Jurisdiction and Service of Process. This Agreement shall be construed and enforced in accordance with, and the rights of the parties shall be governed by, the law of the State of New York, excluding choice-of-law -48- principles of the law of such State that would require the application of the laws of a jurisdiction other than such State. The Company hereby irrevocably and unconditionally agree that any suit, action or proceeding with respect to this Agreement, or any proceeding to execute or otherwise enforce any judgment in respect of any breach thereof, brought by any registered Holder of a Note against the Company or any of its property, may be brought by such Holder of a Note in the United States District Court for the Southern District of New York or any New York State Court sitting in the Borough of Manhattan as such Holder of a Note may in its sole discretion elect, and by the execution and delivery of this Agreement, the Company irrevocably submits to the jurisdiction of each such court; and agrees that process served either personally or by registered mail shall constitute, to the extent permitted by law, adequate service of process in any such suit. In addition, the Company hereby irrevocably waives, to the fullest extent permitted by law, any objection which it may now or hereafter have to the laying of venue in any suit, action or proceeding arising out of or relating to this Agreement or any Note, brought in the said courts, and hereby irrevocably waives any claim that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum. Nothing herein shall in any way be deemed to limit the ability of any registered Holder of a Note to serve any such writs, process or summonses, in any manner permitted by applicable law or to obtain jurisdiction over the Company in such other jurisdiction, and in such manner, as may be permitted by applicable law. 22.7 Agents for Service of Process. WITHOUT LIMITING THE FOREGOING, THE COMPANY HEREBY APPOINTS, IN THE CASE OF ANY SUCH ACTION OR PROCEEDING BROUGHT IN THE COURTS OF OR IN THE STATE OF NEW YORK, CT CORPORATION TO RECEIVE, FOR IT AND ON ITS BEHALF, SERVICE OF PROCESS IN THE STATE OF NEW YORK WITH RESPECT THERETO, PROVIDED THE COMPANY MAY, AND IN THE EVENT THAT CT CORPORATION IS AT ANY TIME NO LONGER DOMICILED IN THE STATE OF NEW YORK, THE COMPANY SHALL, APPOINT CT CORPORATION OR ANY OTHER PERSON, REASONABLY ACCEPTABLE TO THE REQUIRED HOLDERS, WITH OFFICES IN THE STATE OF NEW YORK TO REPLACE SUCH PURCHASERS FOR SERVICE OF PROCESS UPON DELIVERY TO THE HOLDERS OF A REASONABLY ACCEPTABLE AGREEMENT OF SUCH NEW PURCHASERS AGREEING SO TO ACT. IF SERVICE OF PROCESS IS MADE BY ANY HOLDER OF A NOTE UPON SUCH APPOINTEE, A COPY THEREOF SHALL ALSO BE PROVIDED TO THE COMPANY, BY REGISTERED OR CERTIFIED MAIL, OR BY INTERNATIONALLY-RECOGNIZED EXPEDITED DELIVERY SERVICE; PROVIDED THAT THE FAILURE OF SUCH HOLDER TO PROVIDE SUCH COPY TO THE COMPANY SHALL NOT IMPAIR OR AFFECT IN ANY WAY THE VALIDITY OF SUCH SERVICE OF PROCESS OR ANY JUDGMENT RENDERED IN ANY SUCH SUIT, ACTION, OR PROCEEDING. NOTHING HEREIN SHALL IN ANY WAY BE DEEMED TO LIMIT THE ABILITY OF ANY HOLDER OF A NOTE TO SERVE ANY SUCH WRITS, PROCESS OR SUMMONSES IN ANY MANNER PERMITTED BY APPLICABLE LAW, OR TO OBTAIN JURISDICTION OVER THE COMPANY, IN SUCH OTHER JURISDICTION, AND IN SUCH MANNER, AS MAY BE PERMITTED BY APPLICABLE LAW. -49- 22.8 Waiver of Jury Trial. THE COMPANY AND THE HOLDERS HEREBY AGREE TO WAIVE THEIR RESPECTIVE RIGHTS TO A TRIAL BY JURY OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING OUT OF OR RELATED TO THIS AGREEMENT, THE OTHER LOAN DOCUMENTS OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY IN ANY ACTION, PROCEEDING OR OTHER LITIGATION OF ANY TYPE BROUGHT BY ANY OF THE PARTIES AGAINST ANY OTHER PARTY OR PARTIES, WHETHER WITH RESPECT TO CONTRACT CLAIMS, TORT CLAIMS, OR OTHERWISE. THE COMPANY AND THE HOLDERS HEREBY AGREE THAT ANY SUCH CLAIM OR CAUSE OF ACTION SHALL BE TRIED BY A COURT TRIAL WITHOUT A JURY. WITHOUT IN ANY WAY LIMITING THE FOREGOING, THE PARTIES FURTHER AGREE THAT THEIR RESPECTIVE RIGHT TO A TRIAL BY JURY IS WAIVED BY OPERATION OF THIS SECTION AS TO ANY ACTION, COUNTERCLAIM, OR OTHER PROCEEDING WHICH SEEKS, IN WHOLE OR IN PART, TO CHALLENGE THE VALIDITY OR ENFORCEABILITY OF THIS AGREEMENT OR THE OTHER LOAN DOCUMENTS OR ANY PROVISION HEREOF OR THEREOF. THIS WAIVER SHALL APPLY TO ANY SUBSEQUENT AMENDMENTS, RENEWALS, SUPPLEMENTS OR MODIFICATIONS TO THIS AGREEMENT AND THE OTHER LOAN DOCUMENTS. A COPY OF THIS SECTION 22.8 MAY BE FILED WITH ANY COURT AS WRITTEN EVIDENCE OF THE WAIVER OF THE RIGHT TO TRIAL BY JURY AND CONSENT TO TRIAL BY COURT. THIS SECTION 22.8 MAY NOT BE AMENDED, MODIFIED, TERMINATED OR WAIVED EXCEPT BY A WRITING WHICH MAKES SPECIFIC REFERENCE TO THIS SECTION 22.8. * * * * * -50- If you are in agreement with the foregoing, please sign the form of agreement on the accompanying counterpart of this Agreement and return it to the Company, whereupon the foregoing shall become a binding agreement between you and the Company. Very truly yours, THE CHALONE WINE GROUP, LTD. By: /s/ THOMAS B. SELFRIDGE _________________________________________ Thomas B. Selfridge, President & CEO AMENDED AND RESTATED NOTE PURCHASE AGREEMENT AGSTAR FINANCIAL SERVICES, PCA, D/B/A FARM CREDIT SERVICES COMMERCIAL FINANCE GROUP BY: /s/ JAMEY M. GRAFING _________________________________________ NAME: Jamey M. Grafing _________________________________________ ITS: SVP - Syndicated Finance _________________________________________ FARM CREDIT SERVICES OF AMERICA, PCA BY: /s/ BRUCE P. ROUSE _________________________________________ NAME: BRUCE P. ROUSE ITS: V.P. - COMMERICAL LENDER INFORMATION RELATING TO PURCHASERS Principal Amount and Series Name and Address of Purchaser of Notes to be Purchased _____________________________ ___________________________ FARM CREDIT SERVICES OF AMERICA, PCA $ 5,000,000 Series A Notes 206 South 19th Street 15,000,000 Series C Notes Omaha, Nebraska 68102 Attention: Bruce P. Rouse Facsimile Number: (402) 348-3324 Confirmation Number: (402) 348-3284 Payments All payments on or in respect of the Notes to be by bank wire transfer of Federal or other immediately available funds at the opening of business on the due date thereof (identifying each payment as "The Chalone Wine Group, Ltd Adjustable Rate Senior Secured Notes, Series A, Due September 15, 2010, 157639 B* 5, principal, premium or interest" or "The Chalone Wine Group, Ltd. Adjustable Rate Senior Secured Notes, Series C, Due September 15, 2010, PPN 157639 B# 1, principal, premium or interest") to: Bank Name: AgAmerica FCB Short Name: AGAMER FCB Routing # (ABA): 125108298 Beneficiary Account Name: Farm Credit Services of America Beneficiary Account Number: 81100-000 (Commercial Loan) Further Credit Account Name: The Chalone Wine Group, Ltd. Further Credit Account #: 89407-151 & 152 Contact: Judy Bachand (800) 348-0023 or Sue Bement (800) 348-0283 x3284 Contemporaneous with the above electronic funds transfer, mail or fax the following information: (1) the full name, private placement number, interest rate and maturity date of the Notes; (2) the allocation of payment between principal, interest, premium and any special payment; and (3) the name and address of the Bank from which such transfer was sent, to: Farm Credit Services of America, PCA 206 South 19th Street Omaha, Nebraska 68102 Attention: Sue Bement Facsimile Number: (402) 348-3324 Confirmation Number: (402) 348-3284 All other notices and communications to be addressed as first provided above. Name of Nominee in which Notes are to be issued: None Taxpayer I.D. Number: 47-0373522 SCHEDULE A (to Note Purchase Agreement) Principal Amount and Series Name and Address of Purchaser of Notes to be Purchased _____________________________ ___________________________ AGSTAR FINANCIAL SERVICES, PCA $10,000,000 Series B Notes DBA FARM CREDIT SERVICES COMMERCIAL FINANCE GROUP 1921 Premiere Drive PO Box 4249 Mankato, MN 56002-4249 Attention: Jamey Grafing Facsimile Number: (507) 344-5081 Confirmation Number: (507) 345- 5626 Payments All payments on or in respect of the Notes to be by bank wire transfer of Federal or other immediately available funds at the opening of business on the due date thereof (identifying each payment as "The Chalone Wine Group, Ltd Adjustable Rate Senior Secured Notes, Series B, Due September 15, 2010, PPN 157639 B@ 3, principal, premium or interest") to: Bank Name: AgriBank St Paul Routing Number: 0960 1697 2 Remitter: Purchasers Bank for Chalone Wine Group Deadline: Wire must be sent to AgriBank by 2 p.m. Notices Contemporaneous with the above electronic funds transfer, mail or fax the following information setting forth: (1) the full name, private placement number, interest rate and maturity date of the Notes and including also the identifying information: Chalone Loan # 1068700900, Chalone CIF # 1682954; (2) the allocation of payment between principal, interest, premium and any special payment; and (3) the name and address of the Bank from which such transfer was sent, to the above address, Attention: Karen Doyen. All other notices and communications to be addressed as first provided above. Name of Nominee in which Notes are to be issued: None Taxpayer I.D. Number: 41-1956284 A-2 DEFINED TERMS As used herein, the following terms have the respective meanings set forth below or set forth in the Section hereof following such term: "ACCOUNTS AND INVENTORY COLLATERAL" means the Collateral described in the granting clauses of the Security Agreement. "ACQUISITION" means any transaction or series of related transactions for the purpose of, or resulting, directly or indirectly, in (a) the acquisition of all or substantially all of the assets of a Person, or any line or segment of business or division of a Person, (b) the acquisition of in excess of 50% of the capital stock, partnership interests, membership interests or equity of any Person, or otherwise causing any Person to become a Subsidiary, or (c) a merger or consolidation or any other combination with another Person (other than a Person that is a Subsidiary) provided that (i) the Company or a Subsidiary is the surviving entity or (ii) after giving effect to such merger or consolidation, such other Person has become a Subsidiary of a Company "ADDITIONAL SUBSIDIARY GUARANTOR" means each Subsidiary of the Company that, subsequent to the Closing, from time to time guarantees any Funded Debt of the Company or of another Subsidiary. "ADJUSTABLE RATE" means, with respect to the Series A Notes, the Series A Adjustable Rate, with respect to the Series B Notes, the Series B Adjustable Rate or with respect to the Series C Notes, the Series C Adjustable Rate. "AFFILIATE" means, at any time, and with respect to any Person, (a) any other Person that at such time directly or indirectly through one or more intermediaries Controls, or is Controlled by, or is under common Control with, such first Person, and (b) any Person beneficially owning or holding, directly or indirectly, 10% or more of any class of voting or equity interests of the Company or any Subsidiary or any corporation of which the Company and its Subsidiaries beneficially own or hold, in the aggregate, directly or indirectly, 10% or more of any class of voting or equity interests. As used in this definition, "Control" means the possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of a Person, whether through the ownership of voting securities, by contract or otherwise. Unless the context otherwise clearly requires, any reference to an "Affiliate" is a reference to an Affiliate of the Company. "ATTRIBUTABLE INDEBTEDNESS" means, on any date, (a) in respect of any Capital Lease of any Person, the capitalized amount thereof that would appear on a balance sheet of such Person prepared as of such date in accordance with GAAP, and (b) in respect of any Synthetic Lease Obligation, the capitalized amount of the remaining lease payments under the relevant lease that would appear on a balance sheet of such Person prepared as of such date in accordance with GAAP if such lease were accounted for as a Capital Lease. "BANK LENDERS" is defined in Section 1.4. "BANK REVOLVER LENDERS" means those Bank Lenders which hold Revolving Notes (as SCHEDULE B (to Note Purchase Agreement) defined in the Credit Agreement) of the Company. "BANK TERM LENDERS" means those Bank Lenders which hold Term Notes (as defined in the Credit Agreement) of the Company. "BUSINESS DAY" means any day other than a Saturday, a Sunday or a day on which commercial banks in New York, New York are required or authorized to be closed. "CANOE RIDGE INTERCOMPANY LOAN AMOUNT" means the sum of (i) $7,000,000 PLUS (ii) on each anniversary of the Closing Date, 10% of the Canoe Ridge Intercompany Loan Amount in effect immediately prior to such anniversary. "CAPITAL LEASE" means, for any Person, any lease of property (whether real, personal or mixed) which, in accordance with GAAP, would, at the time a determination is made, be required to be recorded as a capital lease in respect of which such Person is liable as lessee. "CAPITAL STOCK" means (a) in the case of a corporation, capital stock, (b) in the case of an association or business entity, any and all shares, interests, participation, rights or other equivalents (however designated) of capital stock, (c) in the case of a partnership, partnership interests (whether general or limited), (d) in the case of a limited liability company, membership interests and (e) any other interest or participation that confers on a Person the right to receive a share of the profits and losses of, or distributions of assets of, the issuing Person. "CHANGE OF CONTROL" means (a) any "person" (as such term is used in subsections 13(d) and 14(d) of the Exchange Act) or group of persons on or after the Closing Date other than members of the Board of Directors of the Company as of the date hereof and their "Affiliates" (as such term is used in Rule 405 of the Securities Act), is or becomes the "beneficial owner" (as defined in Rule 13d-3 under said Act), directly or indirectly, of securities of the Company representing 51% or more of the combined voting power of the Company's then-outstanding voting securities, or (b) the Existing Directors for any reason cease to constitute a majority of the Company's board of directors. "Existing Directors" means (x) individuals constituting the Company's board of directors on the Closing Date, and (y) any subsequent director whose election by the board of directors or nomination for election by the Company's shareholders was approved by a vote of at least a majority of the directors then in office, which directors either were directors on the Closing Date or whose election or nomination for election was previously so approved. "CLOSING" is defined in Section 3. "CLOSING DATE" is defined in Section 3. "CODE" means the Internal Revenue Code of 1986, as amended from time to time, and the rules and regulations promulgated thereunder from time to time. "COLLATERAL" means the property described in the Collateral Documents, and all other property now existing or hereafter acquired which may at any time be or become subject to a B-2 Lien in favor of the Collateral Agent or the Secured Parties pursuant to the Collateral Documents or otherwise, securing the payment and performance of the Notes and the other Secured Obligations. "COLLATERAL DOCUMENTS" means the Deeds of Trust, the Security Agreement, the Patent and Trademark Security Agreement, any other agreement pursuant to which the Company, the Guarantors or any other Person provides a Lien on its assets in favor of the Collateral Agent for the benefit of the Holders and all financing statements, fixture filings, patent, trademark and copyright filings, assignments, acknowledgments and other filings, documents and agreements made or delivered pursuant thereto. "COMPANY" means The Chalone Wine Group, Ltd., a California corporation. "COMPLIANCE CERTIFICATE" means a certificate of a Responsible Officer of the Company, in substantially the form of Exhibit F, with such changes thereto as the Holders may from time to time reasonably request. "CONFIDENTIAL INFORMATION" is defined in Section 20. "CONSOLIDATED EBIT" means, for any period, Consolidated Net Income (computed without giving effect to any gains or losses from dispositions of assets and other extraordinary items) PLUS Consolidated Interest Expense PLUS income tax expense, in each case, which were deducted in determining Consolidated Net Income of the Company and its Subsidiaries on a consolidated basis as determined in accordance with GAAP. "CONSOLIDATED EBITDA" means, for any period, Consolidated Net Income (computed without giving effect to any gains or losses from dispositions of assets and other extraordinary items) PLUS Consolidated Interest Expense PLUS income tax expense plus depreciation expense, amortization expense and other non-cash expenses, in each case, which were deducted in determining Consolidated Net Income of the Company and its Subsidiaries on a consolidated basis as determined in accordance with GAAP. "CONSOLIDATED EBITDAR" means, for any period, Consolidated EBITDA PLUS Consolidated Rent Expense which was deducted in determining Consolidated Net Income of the Company and its Subsidiaries on a consolidated basis as determined in accordance with GAAP. "CONSOLIDATED INDEBTEDNESS" means as at any date of determination, the total Indebtedness of the Company and its Subsidiaries on a consolidated basis MINUS (1) accounts payable to trade creditors for goods and services on current operating liabilities (not the result of the borrowing of money) incurred in the ordinary course of the Company's or the Subsidiaries' business in accordance with customary terms and paid within the specified time (unless contested in good faith by appropriate proceedings and reserved for in accordance with GAAP) and (2) until such time as the Indebtedness owing as of the date hereof by the Company to the estate of Richard Graff is repaid in full, Indebtedness owing by the Company to the estate of Richard Graff in a principal amount not to exceed $1,000,000. B-3 "CONSOLIDATED INTEREST EXPENSE" means, for any period, interest expense (including that attributable to Capital Leases) of the Company and its Subsidiaries on a consolidated basis, including all commissions, discounts and other fees and charges owed with respect to standby letters of credit, as determined in accordance with GAAP. "CONSOLIDATED NET INCOME" means, for any period, the net income of the Company and its Subsidiaries on a consolidated basis for such period taken as a single accounting period, as determined in accordance with GAAP. "CONSOLIDATED RENT EXPENSE" means, for any period, operating lease expense of the Company and its Subsidiaries on a consolidated basis, as determined in accordance with GAAP. "CONSOLIDATED TANGIBLE NET WORTH" means, as of any date of determination, Consolidated Total Assets PLUS Subordinated Debt MINUS Consolidated Total Liabilities; PROVIDED, HOWEVER, that there shall be excluded from Consolidated Total Assets all assets which would be classified as intangible assets in accordance with GAAP, including goodwill, organizational expense, research and development expense, patent applications, patents, trademarks, trade names, brands, copyrights, trade secrets, customer lists, licenses, franchises and covenants not to compete. "CONSOLIDATED TOTAL ASSETS" means, as of any date of determination, the total assets of the Company and its Subsidiaries on a consolidated basis, as determined in accordance with GAAP. "CONSOLIDATED TOTAL LIABILITIES" means, as of any date of determination, the total liabilities of the Company and its Subsidiaries on a consolidated basis, as determined in accordance with GAAP. "CREDIT AGREEMENT" means the Credit Agreement dated as of April 19, 2002, between the Company and Cooperatieve Centrale Raiffeisen-Boerenleenbank, B.A., "Rabobank Nederland," New York Branch, as such Credit Agreement may be amended, renewed or extended. "CREDIT AGREEMENT GUARANTIES" means the Guaranties (as defined in the Credit Agreement). "CURRENT DEBT" means, with respect to any Person, all Debt of such Person which by its terms or by the terms of any instrument or agreement relating thereto matures on demand or within one year from the date of the creation thereof and is not directly or indirectly renewable or extendible at the option of the obligor in respect thereof to a date one year or more from such date, and which shall include Current Maturities of Funded Debt. "CURRENT MATURITIES OF FUNDED DEBT" means, at any time and with respect to any item of Funded Debt, the portion of such Funded Debt outstanding at such time which by the terms of such Funded Debt is due on demand or within one year from such time (whether by sinking fund, other required prepayment or final payment at maturity) and is not directly or indirectly renewable, extendible or refundable at the option of the obligor under an agreement or firm commitment in effect at such time to a date one year or more from such date. B-4 "DEEDS OF TRUST" means each Deed of Trust, Security Agreement, Assignment of Leases and Rents and Fixture Filing and each Mortgage, Security Agreement, Assignment of Leases and Rents and Fixture Filing, from the Company or a Subsidiary Guarantor, as trustor or grantor, as the case may be, to the trustee named therein and for the Collateral Agent, as beneficiary, in substantially the form of Exhibit A. "DEFAULT RATE" means that rate of interest that is the greater of (a) 2% per annum above the rate of interest stated in clause (a) of the first paragraph of the Notes or (b) 2% over the rate of interest publicly announced by Chase Manhattan Bank in New York, New York as its "base" or "prime" rate. "DOLLARS" means lawful currency of the United States of America. "DOMESTIC SUBSIDIARY" means a Subsidiary which is organized under the laws of a State of the United States, Canada or Puerto Rico. "EDNA VALLEY" means Edna Valley Vineyards, a California general partnership. "EDNA VALLEY INTERCOMPANY LOAN AMOUNT" means the sum of (i) $20,000,000, plus (ii) on each anniversary of the Closing Date, 10% of the Edna Valley Intercompany Loan Amount in effect immediately prior to such anniversary. "ENVIRONMENTAL INDEMNITY" means the Environmental Indemnity of the Company and the Subsidiary Guarantors, in substantially the form of Exhibit B. "ENVIRONMENTAL LAWS" means any and all Federal, state, local, and foreign statutes, laws, regulations, ordinances, rules, judgments, orders, decrees, permits, concessions, grants, franchises, licenses, agreements or governmental restrictions relating to pollution and the protection of the environment or the release of any materials into the environment, including but not limited to those related to hazardous substances or wastes, air emissions and discharges to waste or public systems. "ERISA" means the Employee Retirement Income Security Act of 1974, as amended from time to time, and the rules and regulations promulgated thereunder from time to time in effect. "ERISA AFFILIATE" means any trade or business (whether or not incorporated) that is treated as a single employer together with the Company under section 414 of the Code. "Event of Default" is defined in Section 11. "EVENT OF LOSS" means with respect to any asset of the Company or its Subsidiaries any of the following: (a) any loss, destruction or damage of such asset; (b) any pending or threatened institution of any proceedings for the condemnation or seizure of such asset or of any right of eminent domain; or (c) any actual condemnation, seizure or taking, by exercise of the power of eminent domain or otherwise, of such asset, or confiscation of such asset or requisition of the use of such asset. B-5 "EXCHANGE ACT" means the Securities Exchange Act of 1934, as amended. "FOREIGN SUBSIDIARY" means any Subsidiary other than a Domestic Subsidiary. "FUNDED DEBT" of any Person shall mean (a) all Debt of such Person, or all Debt of such Person which has been incurred in connection with the acquisition of assets, in each case having a final maturity of one or more than one year from the date of origin thereof (or which is renewable or extendible at the option of the obligor for a period or periods more than one year from the date of origin), including all payments in respect thereof that are required to be made within one year from the date of any determination of Funded Debt, whether or not the obligation to make such payments shall constitute a current liability of the obligor under GAAP, (b) all Capitalized Lease Obligations of such Person, and (c) all Guaranties by such Person of Funded Debt of others. "GAAP" means generally accepted accounting principles as in effect from time to time in the United States of America. "GOVERNMENTAL AUTHORITY" means (a) the government of (i) the United States of America or any State or other political subdivision thereof, or (ii) any jurisdiction in which the Company or any Subsidiary conducts all or any part of its business, or which asserts jurisdiction over any properties of the Company or any Subsidiary, or (b) any entity exercising executive, legislative, judicial, regulatory or administrative functions of, or pertaining to, any such government. "GROWERS' LIENS" means statutory Liens securing the payment of amounts due from the Company or any Subsidiary Guarantor to any other Person on account of any crops, produce or other farm products supplied by such Person to the Company or such Subsidiary Guarantor, including but not limited to, Liens in favor of growers arising pursuant to Article 9 (commencing with Section 55631), Chapter 6, Division 20 of the California Food and Agricultural Code, as now in effect or hereafter amended." "GUARANTOR DOCUMENTS" means each Subsidiary Guarantee Agreement, the Collateral Documents and all other certificates, documents, agreements and instruments delivered to the Collateral Agent and the Holders under or in connection with a Subsidiary Guarantee Agreement. "GUARANTY" means, with respect to any Person, any obligation (except the endorsement in the ordinary course of business of negotiable instruments for deposit or collection) of such Person guaranteeing or in effect guaranteeing any Debt, dividend or other obligation of any other Person in any manner, whether directly or indirectly, including (without limitation) obligations incurred through an agreement, contingent or otherwise, by such Person: B-6 (a) to purchase such Debt or obligation or any property constituting security therefor; (b) to advance or supply funds (i) for the purchase or payment of such Debt or obligation, or (ii) to maintain any working capital or other balance sheet condition or any income statement condition of any other Person or otherwise to advance or make available funds for the purchase or payment of such Debt or obligation; (c) to lease properties or to purchase properties or services primarily for the purpose of assuring the owner of such Debt or obligation of the ability of any other Person to make payment of the Debt or obligation; or (d) otherwise to assure the owner of such Debt or obligation against loss in respect thereof. In any computation of the Debt or other liabilities of the obligor under any Guaranty, the Debt or other obligations that are the subject of such Guaranty shall be assumed to be direct obligations of such obligor. "GUARANTY OBLIGATION" means, as applied to any Person, any direct or indirect liability, contingent or otherwise, of that Person with respect to any Indebtedness, lease, dividend, letter of credit or other obligation (the "primary obligations") of another Person (the "primary obligor"), including any obligation of that Person (i) to purchase, repurchase or otherwise acquire such primary obligations or any property constituting direct or indirect security therefor, or (ii) to advance or provide funds (A) for the payment or discharge of any such primary obligation, or (B) to maintain working capital or equity capital of the primary obligor or otherwise to maintain the net worth or solvency or any balance sheet item, level of income or financial condition of the primary obligor, or (iii) to purchase property, securities or services primarily for the purpose of assuring the owner of any such primary obligation of the ability of the primary obligor to make payment of such primary obligation, (iv) in connection with any synthetic lease or other similar off balance sheet lease transaction, or (v) otherwise to assure or hold harmless the holder of any such primary obligation against loss in respect thereof. "HAZARDOUS MATERIAL" means any and all pollutants, toxic or hazardous wastes or any other substances that pose a hazard to health or safety, the removal of which may be required or the generation, manufacture, refining, production, processing, treatment, storage, handling, transportation, transfer, use, disposal, release, discharge, spillage, seepage, or filtration of which is restricted, prohibited or penalized by any applicable law (including, without limitation, asbestos, urea formaldehyde foam insulation and polycholorinated biphenyls). "HOLDER" means, with respect to any Note, the Person in whose name such Note is registered in the register maintained by the Company pursuant to Section 13.1. "INDEBTEDNESS" means, for any Person: (i) all indebtedness or other obligations of such Person for borrowed money or for the deferred purchase price of property or services; (ii) all obligations evidenced by notes, bonds, debentures or similar instruments, including obligations B-7 so evidenced incurred in connection with the acquisition of property, assets or businesses; (iii) all indebtedness created or arising under any conditional sale or other title retention agreement with respect to property acquired by such Person (even though the rights and remedies of the seller or Holder under such agreement in the event of default are limited to repossession or sale of such property); (iv) all obligations under Capital Leases and Synthetic Lease Obligations; (v) all reimbursement or other obligations of such Person under or in respect of letters of credit and bankers acceptances, and all net obligations in respect of Rate Contracts in an amount equal to the Swap Termination Values thereof; (vi) all reimbursement or other obligations of such Person in respect of any bank guaranties, shipside bonds, surety bonds and similar instruments issued for the account of such Person or as to which such Person is otherwise liable for reimbursement of drawings or payments; (vii) all Guaranty Obligations; and (viii) all indebtedness of another Person secured by any Lien upon or in property owned by the Person for whom Indebtedness is being determined, whether or not such Person has assumed or become liable for the payment of such indebtedness of such other Person. For all purposes hereof, the Indebtedness of any Person shall include the Indebtedness of any partnership or joint venture (other than a joint venture that is itself a corporation or limited liability company) in which such Person is a general partner or a joint venturer, unless such Indebtedness is expressly made non-recourse to such Person (subject only to customary recourse exceptions acceptable to the Required Holders). The amount of any Capital Lease or Synthetic Lease Obligation as of any date shall be deemed to be the amount of Attributable Indebtedness in respect thereof as of such date. "INSTITUTIONAL INVESTOR" means (a) any original purchaser of a Note, (b) any holder of a Note holding more than 5% of the aggregate principal amount of the Notes then outstanding, and (c) any bank, trust company, savings and loan association, national banking association or Farm Credit System institution, acting for its own account or in a fiduciary capacity, or other financial institution, any pension plan, any investment company, any insurance company, any broker or dealer, or any other similar financial institution or entity, regardless of legal form. "INTELLECTUAL PROPERTY COLLATERAL" means the Collateral described in the granting clauses of the Patent and Trademark Security Agreement. "INTERCREDITOR AGREEMENT" is defined in Section 1.4. "INVENTORY" means all "inventory" (as such term is defined in the UCC). For purposes of this Agreement, bulk wine shall be deemed Inventory regardless of whether bulk wine is properly classified as "inventory" under the UCC. "INVESTMENT" means any investment, made in cash or by delivery of property, by the Company or any of its Restricted Subsidiaries in (a) any Person, whether by acquisition of Capital Stock, Debt or other obligations or security, or by loan, guaranty, advance, capital contribution or otherwise, or (b) any property. "LEVERAGE RATIO" has the meaning specified in Section 10.4(a). "LIEN" means, with respect to any Person, any mortgage, lien, pledge, charge, security interest or other encumbrance, or any interest or title of any vendor, lessor, Holder or other B-8 secured party to or of such Person under any conditional sale or other title retention agreement or Capital Lease, upon or with respect to any property or asset of such Person (including in the case of Capital Stock, stockholder agreements, voting trust agreements and all similar arrangements). "LOAN DOCUMENTS" means this Agreement, the Notes, the Collateral Documents, the Intercreditor Agreement, each Guaranty, the Guarantor Documents, the Environmental Indemnity and all other certificates, documents, agreements and instruments delivered to the Collateral Agent and the Holders under or in connection with this Agreement. "MAKE-WHOLE AMOUNT" is defined in Section 8.6. "MATERIAL" means material in relation to the business, operations, affairs, financial condition, assets, properties, or prospects of the Company and its Restricted Subsidiaries taken as a whole. "MATERIAL ADVERSE EFFECT" means any event, matter, condition or circumstance which (i) has or would reasonably be expected to have a material adverse effect on the business, properties, results of operations or condition (financial or otherwise) of the Company and its Subsidiaries taken as a whole; (ii) would materially impair the ability of the Company, or any other Person to perform or observe its obligations under or in respect of the Loan Documents, or (iii) affects the legality, validity, binding effect or enforceability of any of the Loan Documents or the perfection or priority of any Lien granted to the Collateral Agent for the benefit of the Holders under any of the Collateral Documents. "MAXIMUM INTERCOMPANY LOAN AMOUNT" means the sum of (i) $35,000,000 PLUS (ii) on each anniversary of the Closing Date, 10% of the Maximum Intercompany Loan Amount then in effect immediately prior to such anniversary. "Multiemployer Plan" means any Plan that is a "multiemployer plan" (as such term is defined in section 4001(a)(3) of ERISA). "NET ISSUANCE PROCEEDS" means, as to any issuance or other incurrence of debt or any issuance of equity by any Person, cash proceeds received or receivable by such Person in connection therewith, net of out-of-pocket costs and expenses paid or incurred in connection therewith in favor of any Person not an Affiliate of such Person. "NET PROCEEDS" means, as to any sale, transfer or other disposition of assets ("Disposition") by a Person, proceeds in cash, checks or other cash equivalent financial instruments as and when received by such Person, net of: (a) the direct costs relating to such Disposition excluding amounts payable to such Person or any Affiliate of such Person, (b) sale, use or other transaction taxes, and income taxes, paid or reasonably expected to be payable by such Person as a direct result thereof, and (c) amounts required to be applied to repay principal, interest and prepayment premiums and penalties on Indebtedness secured by a Lien on the asset which is the subject of such Disposition. "NET PROCEEDS" shall also include proceeds paid on account of any Event of Loss, net of (i) all money actually applied or set aside within six months after the receipt of such proceeds to repair or reconstruct the damaged property or property B-9 affected by the condemnation or taking, (ii) all of the costs and expenses reasonably incurred in connection with the collection of such proceeds, award or other payments, and (iii) any amounts retained by or paid to parties having superior rights to such proceeds, awards or other payments. "NOTES" is defined in Section 1. "OFFICER'S CERTIFICATE" means a certificate of a Senior Financial Officer or of any other officer of the Company or a Subsidiary as the context shall require, whose responsibilities extend to the subject matter of such certificate. "OPERATING LEASE" means, for any Person, any lease of any property of any kind by that Person as lessee which is not a Capital Lease. "ORIGINAL SUBSIDIARY GUARANTEE AGREEMENT" is defined in Section 4.5. "ORIGINAL SUBSIDIARY GUARANTOR" means a corporation which is a Restricted Subsidiary listed on Schedule 5.4 "PATENT AND TRADEMARK SECURITY AGREEMENT" means the Patent and Trademark Security Agreement between the Company and the Collateral Agent, in substantially the form of Exhibit C. "PBGC" means the Pension Benefit Guaranty Corporation referred to and defined in ERISA or any successor thereto. "PERMITTED INVESTMENTS" means any of the following Dollar denominated investments, maturing within one year from the date of acquisition, selected by the Company: (a) marketable direct obligations issued or unconditionally guaranteed by the United States government or issued by any agency thereof and backed by the full faith and credit of the United States; (b) marketable direct obligations issued by any state of the United States or any political subdivision of any such state or any public instrumentality thereof and, at the time of acquisition, having the highest credit rating obtainable from either S&P or Moody's; (c) commercial paper or corporate promissory notes bearing at the time of acquisition the highest credit rating either of S&P or Moody's issued by United States, Australian, Canadian, European or Japanese bank holding companies or industrial or financial companies (other than an Affiliate of the Company or any Guarantor); (d) certificates of deposit issued by and bankers acceptances of and interest bearing deposits with any Lender, or with any United States, Australian, Canadian, European or Japanese commercial banks having capital and surplus of at least $500,000,000 or the equivalent and which issues (or the parent of which issues) commercial paper or other short term securities bearing the highest credit rating obtainable from either S&P or Moody's; and B-10 (e) money market funds organized under the laws of the United States or any state thereof that invest solely in any of the foregoing investments permitted under clauses (a), (b), (c) and (d). "PERMITTED LIENS" means: (a) Liens in favor of the Holders or the Collateral Agent for the benefit of the Holders to secure the Notes; (b) the existing Liens listed in Schedule 5.15 or incurred in connection with the extension, renewal or refinancing of the Indebtedness secured by such existing Liens, PROVIDED that any extension, renewal or replacement Lien shall be limited to the property encumbered by the existing Lien and the principal amount of the Indebtedness being extended, renewed or refinanced does not increase; (c) Liens for taxes, fees, assessments or other governmental charges or levies, either not delinquent or being contested in good faith by appropriate proceedings and which are adequately reserved for in accordance with GAAP; (d) Liens of materialmen, mechanics, warehousemen, artisans, carriers or employees or other like Liens (including Growers' Liens and prodution Liens) arising in the ordinary course of business and securing obligations either not delinquent or being contested in good faith by appropriate proceedings which are adequately reserved for in accordance with GAAP; (e) Liens consisting of deposits or pledges to secure the payment of worker's compensation, unemployment insurance or other social security benefits or obligations, or to secure the performance of bids, trade contracts, leases (other than Capital Leases), public or statutory obligations, surety or appeal bonds or other obligations of a like nature incurred in the ordinary course of business (other than for Indebtedness or any Liens arising under ERISA); (f) easements, rights of way, servitudes or zoning or building restrictions and other minor encumbrances on real property and irregularities in the title to such property which do not in the aggregate materially impair the use or value of such property or risk the loss or forfeiture of title thereto; (g) statutory landlord's Liens under leases to which the Company or any of its Subsidiaries is a party; (h) Liens arising solely by virtue of any statutory or common law provision relating to banker's liens, rights of set-off or similar rights and remedies as to deposit accounts or other funds maintained with a creditor depository institution; PROVIDED that (i) such deposit account is not a dedicated cash collateral account and is not subject to restrictions against access by the Company in excess of those set forth by regulations promulgated by the FRB, and (ii) such deposit account is not intended by the Company or any Subsidiary to provide collateral to the depository institution; B-11 (i) Liens securing Indebtedness incurred by the Company or any Subsidiary which is permitted under Section 10.5(j); PROVIDED that (i) such Liens do not at any time encumber any property other than the property financed by such Indebtedness and (ii) the Indebtedness secured thereby does not exceed the cost or fair market value, whichever is lower, of the property being acquired on the date of acquisition; (j) Liens on specific tangible assets of Persons which become Subsidiaries after the date of this Agreement; PROVIDED, HOWEVER, that (i) such Liens existed at the time the respective Persons became Subsidiaries and were not created in anticipation thereof, (ii) any such Lien does not by its terms cover any assets after the time such Person becomes a Subsidiary which were not covered immediately prior thereto, (iii) any such Lien does not by its terms secure any Indebtedness other than Indebtedness existing immediately prior to the time such Person becomes a Subsidiary, and (iv) such Indebtedness is permitted by Section 10.5(j); and (k) Liens securing the obligations of the Company and its Subsidiaries under the Credit Agreement, the Credit Agreement Guaranties and related loan documents, subject to the Intercreditor Agreement. "PERMITTED PREFERRED STOCK" means preferred stock of the Company, subject to the following: such preferred stock shall not (a) have mandatory redemption rights, or redemption at the option of the holder, sinking fund payments, guaranteed return or exchange ability or conversions into debt instruments or any other "debt-like" features other than any mandatory rights of redemption effective not earlier than six months after September 15, 2010, and (b) require the payment of any dividends thereon while any Event of Default exists hereunder. "PERMITTED SUBSIDIARY GUARANTOR GUARANTEES" means the Subsidiary Guarantee Agreements and the Guaranties of the Debt evidenced by the Credit Agreement entered into by Edna Valley and SHW. "PERSON" means an individual, partnership, corporation, limited liability company, association, trust, unincorporated organization, or a government or agency or political subdivision thereof. "PLAN" means an "employee benefit plan" (as defined in section 3(3) of ERISA) that is or, within the preceding five years, has been established or maintained, or to which contributions are or, within the preceding five years, have been made or required to be made, by the Company or any ERISA Affiliate or with respect to which the Company or any ERISA Affiliate may have any liability. "PREFERRED STOCK" means any class of Capital Stock of a corporation that is preferred over any other class of Capital Stock of such corporation as to the payment of dividends or the payment of any amount upon liquidation or dissolution of such corporation. "PREMISES" means any and all real property, including all buildings and improvements now or hereafter located thereon and all appurtenances thereto, now or hereafter owned, leased, occupied or used by the Company and its Subsidiaries. B-12 "PRIMARY TRADEMARKS" means the following trademarks: ACACIA, CARMENET, CHALONE VINYARD, GAVILAN, SAGELANDS, STATON HILLS, MISTY RIDGE and PHOENIX. "Production Liens" means statutory Liens securing the rights of Persons who have rendered services for the storage, protection, improvement, safekeeping, carriage, alteration, repair, harvest or crushing of any grapes or Inventory, including without limitation, artisans and service liens under California Civil Code Section 3051, thresher's liens under California Civil Code Section 3061, and harvestors liens under California Civil Code Section 3061.5. "PROPERTY" or "PROPERTIES" means, unless otherwise specifically limited, real or personal property of any kind, tangible or intangible, choate or inchoate. "QPAM EXEMPTION" means Prohibited Transaction Class Exemption 84-14 issued by the United States Department of Labor. "RATE CONTRACTS" means interest rate swaps, caps, floors and collars, currency swaps, or other similar financial products designed to provide protection against fluctuations in interest, currency or exchange rates. "REAL ESTATE COLLATERAL" means the Collateral described in the granting clauses of the Deeds of Trust. "RECEIVABLE DEBTOR" means any Person obligated on a Receivable. "RECEIVABLES" means all rights to payment arising out of the sale or lease of goods or the performance of services in the ordinary and usual course of business, however evidenced. "REQUIRED HOLDERS" means, at any time, the holders of at least a majority in principal amount of the Notes at the time outstanding (exclusive of Notes then owned by the Company or any of its Affiliates). "REQUIREMENT OF LAW" means, as to any Person, any law (statutory or common), treaty, code, decree, order, rule or regulation or determination of any arbitrator or of a Governmental Authority, in each case applicable to or binding upon the Person or any of its property or to which the Person or any of its property is subject. "RESPONSIBLE OFFICER" means any Senior Financial Officer and any other officer of the Company with responsibility for the administration of the relevant portion of this Agreement. "RESTRICTED PAYMENTS" has the meaning set forth in Section 10.7 hereof. "RESTRICTED SUBSIDIARY" means any Domestic Subsidiary which has not been designated as an Unrestricted Subsidiary. B-13 "SALE AND LEASEBACK TRANSACTION" means a transaction or series of transactions pursuant to which the Company or any Restricted Subsidiary shall sell or transfer to any Person (other than the Company or a Wholly-Owned Subsidiary) any property, whether now owned or hereafter acquired, and, as part of the same transaction or series of transactions, the Company or any Restricted Subsidiary shall rent or lease as lessee (other than pursuant to a Capital Lease), or similarly acquire the right to possession or use of, such property or one or more properties which it intends to use for the same purpose or purposes as such property. "SECURED OBLIGATIONS" has the meaning set forth in the Intercreditor Agreement. "SECURED PARTIES" means the Purchasers and the Bank Lenders. "SECURITIES ACT" means the Securities Act of 1933, as amended from time to time. "SECURITY" has the meaning set forth in section 2(a)(1) of the Securities Act. "SECURITY AGREEMENT" means the Security Agreement between the Company and the Collateral Agent, in substantially the form of Exhibit D. "Senior Financial Officer" means the chief financial officer, principal accounting officer, treasurer or comptroller of the Company. "SERIES A ADJUSTABLE RATE" means the rate per annum to be borne by the Series A Notes during the following time periods: During the time period when Consolidated Indebtedness to Consolidated EBITDAR coverage shall be between the following Interest Rate levels: Per Annum 5.25 - 6.00x 9.35% 4.75 - 5.24x 9.20% 4.25 - 4.74x 9.05% 3.75 - 4.24x 8.90% 3.25 - 3.74x 8.75% <3.25 8.60% "SERIES B ADJUSTABLE RATE" means the rate per annum to be borne by the Series B Notes during the following time periods: During the time period when Consolidated Indebtedness to Consolidated EBITDAR coverage shall be between the following Interest Rate levels: Per Annum B-14 5.25 - 6.00x 9.38% 4.75 - 5.24x 9.23% 4.25 - 4.74x 9.08% 3.75 - 4.24x 8.93% 3.25 - 3.74x 8.78% <3.25 8.63% "SERIES C ADJUSTABLE RATE" means the rate per annum to be borne by the Series C Notes during the following time periods: During the time period when Consolidated Indebtedness to Consolidated EBITDAR coverage shall be between the following Interest Rate levels: Per Annum 5.25 - 6.00x 9.50% 4.75 - 5.24x 9.35% 4.25 - 4.74x 9.20% 3.75 - 4.24x 9.05% 3.25 - 3.74x 8.90% <3.25 8.75% "SHW" means SHW Equity Co., a Washington corporation. "SHW INTERCOMPANY LOAN AMOUNT" means the sum of (i) $8,000,000 plus (ii) on each anniversary of the Closing Date, 10% of the SHW Intercompany Loan Amount in effect immediately prior to such anniversary. "SOLVENT" means, as to any Person at any time, that (i) the fair value of the property of such Person is greater than the amount of such Person's liabilities (including disputed, contingent and unliquidated liabilities) as such value is established and liabilities evaluated for purposes of Section 101(32) of the Bankruptcy Code; (ii) the present fair saleable value of the property of such Person is not less than the amount that will be required to pay the probable liability of such Person on its debts as they become absolute and matured; (iii) such Person is able to realize upon its property and pay its debts and other liabilities (including disputed, contingent and unliquidated liabilities) as they mature in the normal course of business; (iv) such Person does not intend to, and does not believe that it will, incur debts or liabilities beyond such Person's ability to pay as such debts and liabilities mature; and (v) such Person is not engaged in business or a transaction, and is not about to engage in business or a transaction, for which such Person's property would constitute unreasonably small capital. "SPECIFIED ASSETS" means the assets of the Company and its Subsidiaries identified on Schedule 10.9 hereto which are being held for sale. "SPECIFIED LOAN TO VALUE EVENT" means, in connection with a sale, transfer or other B-15 disposition of any Term Debt Priority Collateral, any circumstance where the outstanding principal amount of the Term Debt on the date of determination thereof equals of exceeds 70% of the fair market value (as determined by an appraisal reasonably acceptable to the Required Holders performed within three (3) years of the date of determination thereof) of the Term Debt Priority Collateral which is to remain subject to the Collateral Documents after giving effect to such sale, transfer or other disposition. "SUBORDINATED DEBT" means any Indebtedness of the Company or any Subsidiary incurred after the date hereof in accordance with Section 10.04(a)(viii). SUBSIDIARY" means, as to any Person, any corporation, association or other business entity in which such Person or one or more of its Subsidiaries or such Person and one or more of its Subsidiaries owns sufficient equity or voting interests to enable it or them (as a group) ordinarily, in the absence of contingencies, to elect a majority of the directors (or Persons performing similar functions) of such entity, and any partnership or joint venture if more than a 50% interest in the profits or capital thereof is owned by such Person or one or more of its Subsidiaries or such Person and one or more of its Subsidiaries (unless such partnership can and does ordinarily take major business actions without the prior approval of such Person or one or more of its Subsidiaries). The term "Subsidiary" also shall include Edna Valley so long as (i) the financial results of Edna Valley are consolidated with those of the Company in accordance with GAAP, and (ii) the Company continues to act as the managing partner of Edna Valley. Unless the context otherwise clearly requires, any reference to a "Subsidiary" is a reference to a Subsidiary of the Company. "SUBSIDIARY GUARANTEE AGREEMENT" means an agreement substantially in the form of the Subsidiary Guarantee Agreement attached hereto as Exhibit 4.5. "SUBSIDIARY GUARANTOR" means each of Edna Valley Vineyard, Canoe Ridge Vineyard LLC, SHW Equity Company, Staton Hills Winery Company Ltd. and each other Subsidiary that becomes party to a Subsidiary Guarantee Agreement. "SUBSIDIARY GUARANTOR" means any Original Subsidiary Guarantor or Additional Subsidiary Guarantor which executes and delivers a Subsidiary Guarantee Agreement and so long as such Person's obligations under the Subsidiary Guarantee Agreement remain in full force and effect and to the extent that the obligations of such Person under the provisions of the Subsidiary Guarantee Agreement have not, at the time, been terminated pursuant to the terms hereof. "SWAP TERMINATION VALUE" means, in respect of any one or more Rate Contracts, after taking into account the effect of any legally enforceable netting agreement relating to such Rate Contracts, (i) for any date on or after the date such Rate Contracts have been closed out and termination value(s) determined in accordance therewith, such termination value(s), and (ii) for any date prior to the date referenced in clause (a) the amount(s) determined as the mark-tomarket value(s) for such Rate Contracts, as determined by the Company based upon one or more mid-market or other readily available quotations provided by any recognized dealer in such Rate Contracts (which may include any Holder). B-16 "SYNTHETIC LEASE OBLIGATION" means the monetary obligation of a Person under (a) a socalled synthetic, off-balance sheet or tax retention lease, or (b) an agreement for the use or possession of property creating obligations that do not appear on the balance sheet of such Person but which, upon the insolvency or bankruptcy of such Person, would be characterized as the indebtedness of such Person (without regard to accounting treatment). "TERM DEBT" shall have the meaning assigned thereto in the Intercreditor Agreement. "TERM DEBT PRIORITY COLLATERAL" shall have the meaning assigned thereto in the Intercreditor Agreement. "UPDATE CERTIFICATE" means a certificate of a Responsible Officer of the Company in substantially the form of Exhibit G, with such changes thereto as the Holders may from time to time reasonably request. "UNRESTRICTED SUBSIDIARY" means each Subsidiary which is designated as an Unrestricted Subsidiary on Schedule 5.4 and any other Subsidiary which is hereafter designated as an Unrestricted Subsidiary by the Board of Directors of the Company. The Board of Directors of the Company may, after 30 days prior written notice is provided to the Holders designated any Unrestricted Subsidiary to be a Restricted Subsidiary or designate any Restricted Subsidiary to be an Unrestricted Subsidiary if, in each case, at the date of such designation and after giving effect thereto, no Default or Event of Default shall have occurred and be continuing. "WHOLLY-OWNED SUBSIDIARY" means, at any time, any Subsidiary one hundred percent (100%) of all of the equity interests (except directors' qualifying shares) and voting interests of which are owned by any one or more of the Company and the Company's other Wholly-Owned Subsidiaries at such time. "WINE DIVIDEND CREDITS" means annual credits provided by the Company to shareholders owning 100 or more shares of the Company's common stock, which credits may be applied by each such shareholder, for a period not to exceed one year following such shareholder's receipt of such credits, towards up to 50% of the purchase price of mail-order or other direct purchases of wine from the Company. B-17 CORPORATE CHANGES None. SCHEDULE 4.10 (to Note Purchase Agreement) SUBSIDIARIES SUBSIDIARIES (EACH SUCH SUBSIDIARY BEING ALSO A RESTRICTED SUBSIDIARY): NAME OWNERSHIP INTEREST SHW Equity Co., a Washington corporation 100% Staton Hills Winery Company Limited, a 100% owned by SHW Equity Co. Washington corporation Canoe Ridge Winery, Inc., a Washington 100% corporation Canoe Ridge Vineyard, LLC, a Washington 100% (50.5% owned through Canoe limited liability company Ridge Winery, Inc.) AFFILIATES: Les Domaines Barons de Rothschild (Lafite) Phyllis S. Hojel SCHEDULE 5.4 (to Note Purchase Agreement) SENIOR OFFICERS: DIRECTORS: Christophe Salin, Chairman Christophe Salin Thomas B. Selfridge, President and Chief Executive Thomas B. Selfridge Officer Robert B. Farver, Vice President, Sales and Cristina G. Banks Distribution Shawn Conroy Blom, Chief Financial Officer Mark A. Hojel Paul Novak, Vice President, Marketing Yves-Andre Istel C. Richard Kramlich George E. Myers James H. Niven Phillip M. Plant Eric De Rothschild W. Philip Woodward 5.4-2 FINANCIAL STATEMENTS Consolidated Statement of Income, Statement of Cash Flow, Statement of Changes in Shareholder Equity and Balance Sheet for the nine-month transition period ended December 31, 2001 and for the years ended March 31, 2001, March 31, 2000, March 31, 1999, March 31, 1998 and March 31, 1997. SCHEDULE 5.5 (to Note Purchase Agreement) LITIGATION As disclosed in the Company's Form 10-K filed for the nine-month transition period ended December 31, 2001, the Company received notice dated August 28, 1998 from the California Department of Alcoholic Beverage Control ("ABC") that it was accused, along with 36 other companies (most of them wineries) of violations of Section 25502(a)(2) of the California Business and Professions Code which prohibits wine growers and others from giving "something of value" to retailers. The accusation arises from the appearance of paid advertisements of the Company and other wineries in catalogues distributed by a certain retailer. The notice of violation requested each of the noticed companies who agreed to the accusation to stipulate to a ten (10) day suspension of its license or, consent to the payment of a fine not greater than $10,000 in lieu of the suspension. The matter was tried to an administrative law judge appointed by the ABC on July 14, 1999. The judge found for the ABC and the ABC adopted the judge's decision. The Company, together with 16 other wine companies, filed an appeal with the Alcoholic Beverage Control Appeals Board, an independent body that hears appeals from ABC decisions. The matter was submitted to the ABC appeals board for a decision to be rendered within 90 days pursuant to the May 24, 2001 hearing date. The appeals board ruled against the ABC. The ABC does not agree with the ruling of the ABC appeals board and has submitted the case to the First District Court of Appeals in San Francisco for review. SCHEDULE 5.8 (to Note Purchase Agreement) LICENSES None. SCHEDULE 5.11 (to Note Purchase Agreement) EXISTING DEBT; EXISTING LIENS Amounts owed pursuant to that Credit Agreement between Chalone Wine Group, Ltd. and Cooperatieve Centrale Raiffeisen - Boerenleenbank B.A., "Rabobank Nederland," New York Branch, dated March 31, 1999, as amended. Amounts owed pursuant to that Secured Purchase Money Promissory Note (Secured by Deed of Trust) dated July 1, 1996 in favor of Richard H. Graff, Trustee, Graff 1993 Trust Dated June 10, 1993 by The Chalone Wine Group, Ltd., in an original principal amount of $942,503. As of April 15, 2002, the remaining principal balance due is approximately $890,000. Amounts owed pursuant to that Promissory Note and Loan Agreement Variable Rate dated July 17, 1996 in favor of Central Coast Federal Land Bank Association, FLCA by Edna Valley Vineyard, in an original principal amount of $1,839,275. Amounts owed pursuant to the senior unsecured notes (Series A, B, C) between Agstar Financial Services, Farm Credit Services of America and The Chalone Wine Group, Ltd., dated September 15, 2000, as amended. Other accounts payable, accrued liabilities and general office equipment leases in the ordinary course of business and barrel leases with De Lage Landen. SCHEDULE 5.15 (to Note Purchase Agreement) SPECIFIED ASSETS SALE OF CARMENET BRAND AND VINTAGE LANE FACILITY: The Company has engaged a broker to confidentially market the Carmenet brand and Vintage Lane facility. SALE OF RICHARD GRAFF HOME AND SURROUNDING VINEYARD: The Graff home is on a separate parcel on the backside of the Chalone property site. The home is surrounded by approximately 10 acres of vineyards. The property is in escrow with a full cash offer of $1.195 million and is scheduled to close within the next 90 to 120 days. SALE OF SUSCOL VINEYARD: The Company has begun to actively market this property. SCHEDULE 10.9 (to Note Purchase Agreement) FORM OF SERIES A NOTE THE CHALONE WINE GROUP, LTD. ADJUSTABLE RATE SENIOR SECURED NOTE, SERIES A, DUE SEPTEMBER 15, 2010 No. [_____] [Date] $[_______] PPN 157639 B* 5 FOR VALUE RECEIVED, the undersigned, The Chalone Wine Group, Ltd (herein called the "Company"), a corporation organized and existing under the laws of the State of California, hereby promises to pay to [__________________________], or registered assigns, the principal sum of [__________________________] DOLLARS on September 15, 2010, with interest (computed on the basis of a 360-day year of twelve 30-day months) (a) on the unpaid balance thereof at the Series A Adjustable Rate from the date hereof, payable monthly in arrears, on the 15th day of each month, commencing with October 15, until the principal hereof shall have been paid in full, and (b) to the extent permitted by law on any overdue payment (including any overdue prepayment) of principal, any overdue payment of interest and any overdue payment of any Make-Whole Amount (as defined in the Note Purchase Agreement referred to below), payable monthly as aforesaid (or, at the option of the registered holder hereof, on demand), at a rate per annum from time to time equal to the greater of (i) 2% over the then applicable Series A Adjustable Rate and (ii) 2% over the rate of interest publicly announced by Chase Manhattan Bank from time to time in New York, New York as its "base" or "prime" rate. Payments of principal of, interest on and any Make-Whole Amount with respect to this Note are to be made in lawful money of the United States of America in New York, New York at the principal office of Chase Manhattan Bank, or at such other place as the Company shall have designated by written notice to the holder of this Note as provided in the Note Purchase Agreement referred to below. This Note is one of a series of Senior Secured Notes (herein called the "Notes") issued pursuant to the Note Purchase Agreement, dated as of April 19, 2002 (as from time to time amended, the "Note Purchase Agreement"), between the Company and the Purchasers named therein and is entitled to the benefits thereof. Each holder of this Note will be deemed, by its acceptance hereof, (i) to have agreed to the confidentiality provisions set forth in Section 20 of the Note Purchase Agreement and (ii) to have made the representation set forth in Section 6.2 of the Note Purchase Agreement. This Note is a registered Note and, as provided in the Note Purchase Agreement, upon surrender of this Note for registration of transfer, duly endorsed, or accompanied by a written instrument of transfer duly executed, by the registered holder hereof or such holder's attorney duly authorized in writing, a new Note for a like principal amount will be issued to, and registered in the name of, the transferee. Prior to due presentment for registration of transfer, the EXHIBIT 1-A (to Note Purchase Agreement) Company may treat the person in whose name this Note is registered as the owner hereof for the purpose of receiving payment and for all other purposes, and the Company will not be affected by any notice to the contrary. This Note is subject to optional prepayment, in whole or from time to time in part, at the times and on the terms specified in the Note Purchase Agreement, but not otherwise. This Note is subject to mandatory prepayment at the times and on the terms specified in the Note Purchase Agreement. If an Event of Default, as defined in the Note Purchase Agreement, occurs and is continuing, the principal of this Note may be declared or otherwise become due and payable in the manner, at the price (including any applicable Make-Whole Amount) and with the effect provided in the Note Purchase Agreement. The payment of all principal of, premium, if any, and interest on this Note and the other Notes outstanding under the Note Purchase Agreement has been unconditionally guaranteed by certain Subsidiaries of the Company pursuant to separate and several Subsidiary Guarantee Agreements (as defined in the Note Purchase Agreement). Reference is hereby made thereto for a statement of the rights and benefits accorded thereby. This Note is equally and ratably secured by the Collateral Documents (as defined in the Note Purchase Agreement). Reference is hereby made to the Collateral Documents for a description of the collateral thereby mortgaged, warranted, bargained, sold, released, conveyed, assigned, transferred, pledged and hypothecated, the nature and extent of the security for the Notes, the rights of the holders of the Notes, the Collateral Agent (as defined in the Note Purchase Agreement) in respect of such security and otherwise. This Note shall be construed and enforced in accordance with, and the rights of the parties shall be governed by, the law of the State of New York, excluding choice-of-law principles of the law of such State that would require the application of the laws of a jurisdiction other than such State. THE CHALONE WINE GROUP, LTD. By:___________________________________________ Its:__________________________________________ 1-A-2 FORM OF SERIES B NOTE THE CHALONE WINE GROUP, LTD. ADJUSTABLE RATE SENIOR SECURED NOTE, SERIES B, DUE SEPTEMBER 15, 2010 No. [_____] [Date] $[_______] PPN 157639 B@ 3 FOR VALUE RECEIVED, the undersigned, The Chalone Wine Group, Ltd (herein called the "Company"), a corporation organized and existing under the laws of the State of California, hereby promises to pay to [_____________________________], or registered assigns, the principal sum of [_____________________________] DOLLARS on September 15, 2010, with interest (computed on the basis of a 360-day year of twelve 30-day months) (a) on the unpaid balance thereof at the Series B Adjustable Rate from the date hereof, payable monthly in arrears, on the 15th day of each month, commencing with October 15, 2000, until the principal hereof shall have been paid in full, and (b) to the extent permitted by law on any overdue payment (including any overdue prepayment) of principal, any overdue payment of interest and any overdue payment of any Make-Whole Amount (as defined in the Note Purchase Agreement referred to below), payable monthly as aforesaid (or, at the option of the registered holder hereof, on demand), at a rate per annum from time to time equal to the greater of (i) 2% over the then applicable Series B Adjustable Rate and (ii) 2% over the rate of interest publicly announced by Chase Manhattan Bank from time to time in New York, New York as its "base" or "prime" rate. Payments of principal of, interest on and any Make-Whole Amount with respect to this Note are to be made in lawful money of the United States of America in New York, New York at the principal office of Chase Manhattan Bank, or at such other place as the Company shall have designated by written notice to the holder of this Note as provided in the Note Purchase Agreement referred to below. This Note is one of a series of Senior Secured Notes (herein called the "Notes") issued pursuant to the Note Purchase Agreement, dated as of April 19, 2002 (as from time to time amended, the "Note Purchase Agreement"), between the Company and the Purchasers named therein and is entitled to the benefits thereof. Each holder of this Note will be deemed, by its acceptance hereof, (i) to have agreed to the confidentiality provisions set forth in Section 20 of the Note Purchase Agreement and (ii) to have made the representation set forth in Section 6.2 of the Note Purchase Agreement. This Note is a registered Note and, as provided in the Note Purchase Agreement, upon surrender of this Note for registration of transfer, duly endorsed, or accompanied by a written instrument of transfer duly executed, by the registered holder hereof or such holder's attorney duly authorized in writing, a new Note for a like principal amount will be issued to, and registered in the name of, the transferee. Prior to due presentment for registration of transfer, the Company may treat the person in whose name this Note is registered as the owner hereof for the EXHIBIT 1-B (to Note Purchase Agreement) purpose of receiving payment and for all other purposes, and the Company will not be affected by any notice to the contrary. This Note is subject to optional prepayment, in whole or from time to time in part, at the times and on the terms specified in the Note Purchase Agreement, but not otherwise. This Note is subject to mandatory prepayment at the times and on the terms specified in the Note Purchase Agreement. If an Event of Default, as defined in the Note Purchase Agreement, occurs and is continuing, the principal of this Note may be declared or otherwise become due and payable in the manner, at the price (including any applicable Make-Whole Amount) and with the effect provided in the Note Purchase Agreement. The payment of all principal of, premium, if any, and interest on this Note and the other Notes outstanding under the Note Purchase Agreement has been unconditionally guaranteed by certain Subsidiaries of the Company pursuant to separate and several Subsidiary Guarantee Agreements (as defined in the Note Purchase Agreement). Reference is hereby made thereto for a statement of the rights and benefits accorded thereby. This Note is equally and ratably secured by the Collateral Documents (as defined in the Note Purchase Agreement). Reference is hereby made to the Collateral Documents for a description of the collateral thereby mortgaged, warranted, bargained, sold, released, conveyed, assigned, transferred, pledged and hypothecated, the nature and extent of the security for the Notes, the rights of the holders of the Notes, the Collateral Agent (as defined in the Note Purchase Agreement) in respect of such security and otherwise. This Note shall be construed and enforced in accordance with, and the rights of the parties shall be governed by, the law of the State of New York, excluding choice-of-law principles of the law of such State that would require the application of the laws of a jurisdiction other than such State. THE CHALONE WINE GROUP, LTD. By:__________________________________________ Its:_________________________________________ 1-B-2 FORM OF SERIES C NOTE THE CHALONE WINE GROUP, LTD. ADJUSTABLE RATE SENIOR SECURED NOTE, SERIES C, DUE SEPTEMBER 15, 2010 No. [_____] [Date] $[________] PPN 157639 B# 1 FOR VALUE RECEIVED, the undersigned, The Chalone Wine Group, Ltd (herein called the "Company"), a corporation organized and existing under the laws of the State of California, hereby promises to pay to [__________________________], or registered assigns, the principal sum of [__________________________] DOLLARS September 15, 2010, with interest (computed on the basis of a 360-day year of twelve 30-day months) (a) on the unpaid balance thereof at the Series C Adjustable Rate from the date hereof, payable monthly in arrears, on the 15th day of each month, commencing with October 15, 2001, until the principal hereof shall have been paid in full, and (b) to the extent permitted by law on any overdue payment (including any overdue prepayment) of principal, any overdue payment of interest and any overdue payment of any Make-Whole Amount (as defined in the Note Purchase Agreement referred to below), payable monthly as aforesaid (or, at the option of the registered holder hereof, on demand), at a rate per annum from time to time equal to the greater of (i) 2% over the then applicable Series C Adjustable Rate and (ii) 2% over the rate of interest publicly announced by Chase Manhattan Bank from time to time in New York, New York as its "base" or "prime" rate. Payments of principal of, interest on and any Make-Whole Amount with respect to this Note are to be made in lawful money of the United States of America in New York, New York at the principal office of Chase Manhattan Bank, or at such other place as the Company shall have designated by written notice to the holder of this Note as provided in the Note Purchase Agreement referred to below. This Note is one of a series of Senior Secured Notes (herein called the "Notes") issued pursuant to the Note Purchase Agreement, dated as of April 19, 2002 (as from time to time amended, the "Note Purchase Agreement"), between the Company and the Purchasers named therein and is entitled to the benefits thereof. Each holder of this Note will be deemed, by its acceptance hereof, (i) to have agreed to the confidentiality provisions set forth in Section 20 of the Note Purchase Agreement and (ii) to have made the representation set forth in Section 6.2 of the Note Purchase Agreement. This Note is a registered Note and, as provided in the Note Purchase Agreement, upon surrender of this Note for registration of transfer, duly endorsed, or accompanied by a written instrument of transfer duly executed, by the registered holder hereof or such holder's attorney duly authorized in writing, a new Note for a like principal amount will be issued to, and registered in the name of, the transferee. Prior to due presentment for registration of transfer, the EXHIBIT 1-C-1 (to Note Purchase Agreement) Company may treat the person in whose name this Note is registered as the owner hereof for the purpose of receiving payment and for all other purposes, and the Company will not be affected by any notice to the contrary. This Note is subject to optional prepayment, in whole or from time to time in part, at the times and on the terms specified in the Note Purchase Agreement, but not otherwise. This Note is subject to mandatory prepayment at the times and on the terms specified in the Note Purchase Agreement. If an Event of Default, as defined in the Note Purchase Agreement, occurs and is continuing, the principal of this Note may be declared or otherwise become due and payable in the manner, at the price (including any applicable Make-Whole Amount) and with the effect provided in the Note Purchase Agreement. The payment of all principal of, premium, if any, and interest on this Note and the other Notes outstanding under the Note Purchase Agreement has been unconditionally guaranteed by certain Subsidiaries of the Company pursuant to separate and several Subsidiary Guarantee Agreements (as defined in the Note Purchase Agreement). Reference is hereby made thereto for a statement of the rights and benefits accorded thereby. This Note is equally and ratably secured by the Collateral Documents (as defined in the Note Purchase Agreements). Reference is hereby made to the Collateral Documents for a description of the collateral thereby mortgaged, warranted, bargained, sold, released, conveyed, assigned, transferred, pledged and hypothecated, the nature and extent of the security for the Notes, the rights of the holders of the Notes, the Collateral Agent (as defined in the Note Purchase Agreements) in respect of such security and otherwise. This Note shall be construed and enforced in accordance with, and the rights of the parties shall be governed by, the law of the State of New York, excluding choice-of-law principles of the law of such State that would require the application of the laws of a jurisdiction other than such State. THE CHALONE WINE GROUP, LTD. By:________________________________________ Its:_______________________________________ 1-C-2 DESCRIPTION OF CLOSING OPINION OF COUNSEL TO THE COMPANY The closing opinion of Farella Braun & Martel LLP, counsel to the Company, called for by Section 4.4(a) of the Note Purchase Agreement, shall be dated the date of Closing and addressed to the Purchasers, shall be satisfactory in form and substance to the Purchasers and shall be to the effect that: 1. The Company is a corporation, duly organized, validly existing and in good standing under the laws of the State of California, has the corporate power and the corporate authority to execute and perform the Note Purchase Agreement and to issue the Notes and has the full corporate power and the corporate authority to conduct the activities in which it is now engaged and is duly licensed or qualified and is in good standing as a foreign corporation in each jurisdiction in which the character of the properties owned or leased by it or the nature of the business transacted by it makes such licensing or qualification necessary. 2. Each Restricted Subsidiary is a corporation or other legal entity, duly organized, validly existing and in good standing under the laws of its jurisdiction of formation and is duly licensed or qualified and is in good standing in each jurisdiction in which the character of the properties owned or leased by it or the nature of the business transacted by it makes such licensing or qualification necessary and all of the issued and outstanding shares of Capital Stock or equivalent equity interest of each such Restricted Subsidiary have been duly issued, are fully paid and non-assessable and are owned by the Company, by one or more Restricted Subsidiaries, or by the Company and one or more Subsidiaries. 3. The Note Purchase Agreement has been duly authorized by all necessary corporate or other legal entity action on the part of the Company, has been duly executed and delivered by the Company and constitute the legal, valid and binding contract of the Company enforceable in accordance with its terms, subject to bankruptcy, insolvency, fraudulent conveyance or similar laws affecting creditors' rights generally, and general principles of equity (regardless of whether the application of such principles is considered in a proceeding in equity or at law). 4. The Notes have been duly authorized by all necessary corporate action on the part of the Company, have been duly executed and delivered by the Company and constitute the legal, valid and binding obligations of the Company enforceable in accordance with their terms, subject to bankruptcy, insolvency, fraudulent conveyance or similar laws affecting creditors' rights generally, and general principles of equity (regardless of whether the application of such principles is considered in a proceeding in equity or at law). 5. No approval, consent or withholding of objection on the part of, or filing, registration or qualification with, any governmental body, Federal, state or local, is necessary in connection with the execution, delivery and performance of the Note Purchase Agreement or the Notes. EXHIBIT 4.4(a) (to Note Purchase Agreement) 6. The issuance and sale of the Notes and the execution, delivery and performance by the Company of the Note Purchase Agreement do not conflict with or result in any breach of any of the provisions of or constitute a default under or result in the creation or imposition of any Lien upon any of the property of the Company pursuant to the provisions of the Articles of Incorporation or By-laws, or equivalent formation documents, of the Company or any agreement or other instrument to which the Company is a party or by which the Company may be bound. 7. The issuance, sale and delivery of the Notes under the circumstances contemplated by the Note Purchase Agreement does not, under existing law, require the registration of the Notes under the Securities Act of 1933, as amended, or the qualification of an indenture under the Trust Indenture Act of 1939, as amended. 8. The issuance of the Notes and the use of the proceeds of the sale of the Notes in accordance with the provisions of and contemplated by the Note Purchase Agreement do not violate or conflict with Regulation T, U or X of the Board of Governors of the Federal Reserve System. 9. There is no litigation pending or, to the best knowledge of such counsel, threatened which in such counsel's opinion could reasonably be expected to have Material Adverse Effect on the Company's business or assets or which would impair the ability of the Company to issue and deliver the Notes or to comply with the provisions of the Note Purchase Agreement. 10. The Company is not an "investment company" or a company "controlled" by an "investment company", as such terms are defined in the Investment Company Act of 1940, as amended. 11. The Company has the power to submit, and pursuant to the Agreement, has legally, validly, effectively and irrevocably submitted, to the non-exclusive jurisdiction of the courts of the State of New York and of the courts of the United States of America having jurisdiction in the State of New York in respect of any legal action or proceeding arising out of the Agreement or the Notes. 12. The choice of New York as the governing law of the Agreement and the Notes is valid and will be recognized and applied by the courts of New York and of the United States. 13. The Company is not, nor will it become, solely by reason of entering into or performing its respective obligations under the Agreement or the carrying out of any of the transactions contemplated thereby, a "public utility company" or a "holding company" under the Public Utility Holding Company Act of 1935, as amended. 14. Each Subsidiary Guarantor is a corporation or other legal entity, duly formed, validly existing and in good standing under the laws of the United States, has the corporate or other legal entity power and authority to execute and perform the Subsidiary Guarantee Agreement to which it is a party and has the full corporate or other legal entity power and authority to conduct the activities in which it is now engaged and is duly licensed or qualified and is in good standing as a foreign corporation or other legal entity in each jurisdiction in which 4.4(a)-2 the character of the properties owned or leased by it or the nature of the business transacted by it makes such licensing or qualification necessary. 15. To ensure the legality, validity, enforceability or admissibility into evidence of the Agreement and the Notes, it is not necessary that said documents or any other documents be registered, notarized, filed or recorded with any court or other authority or that any stamp or similar tax be paid with respect thereto. 16. The obligations of the Company under the Agreement and the Notes, and the obligations of the Original Subsidiary Guarantors under the Original Subsidiary Guarantee Agreements, rank PARI PASSU in right of payment with all other Debt (actual or contingent) of the Company which is not secured or the subject of any statutory trust or preference or which is not expressly subordinated in right of payment to any other Debt thereof. Collateral Document opinions to come. 17. The opinion of such counsel shall cover such other matters relating to the sale of the Notes as the Purchasers may reasonably request. With respect to matters of fact on which such opinion is based, such counsel shall be entitled to rely on appropriate certificates of public officials and officers of the Company. 4.4(a)-3 DESCRIPTION OF SPECIAL COUNSEL'S CLOSING OPINION The closing opinion of Davis Wright Tremaine LLP, special counsel Washington local real estate to the Purchasers, called for by Section 4.4(b) of the Agreement, shall be dated the Closing Date and addressed to the Purchasers, shall be satisfactory in form and substance to the Purchasers. With respect to matters of fact upon which such opinion is based, Davis Wright Tremaine LLP may rely on appropriate certificates of public officials and officers of the Company and the Original Subsidiary Guarantors. EXHIBIT 4.4(b) (to Note Purchase Agreement) FORM OF SUBSIDIARY GUARANTEE AGREEMENT See attached representative form of Guarantee. EXHIBIT 4.5 (to Note Purchase Agreement) AMENDED AND RESTATED SUBSIDIARY GUARANTEE AGREEMENT RE: AMENDED AND RESTATED NOTE PURCHASE AGREEMENT OF THE CHALONE WINE GROUP, LTD. THIS AMENDED AND RESTATED SUBSIDIARY GUARANTEE AGREEMENT dated as of April 19, 2002 (the or this "GUARANTY") is by __________________________ ("SUBSIDIARY GUARANTOR"). R E C I T A L S: A. The Chalone Wine Group, Ltd., a California corporation (the "COMPANY"), is the owner, directly and indirectly, of 100% of the outstanding membership interest in the Subsidiary Guarantor. B. Farm Credit Services of America, PCA and AgStar Financial Services, PCA, dba Farm Credit Services Commercial Finance Group (together with their permitted successors and assigns, the "PURCHASERS"), and the Company have entered into a Note Purchase Agreement dated as of September 15, 2000, as amended by the First Amendment dated as of February 9, 2001(the "ORIGINAL NOTE AGREEMENT"), pursuant to which the Company has issued to the Purchasers the Company's $5,000,000 8.90% Senior Guaranteed Notes, Series A, Due September 15, 2010; $10,000,000 8.93% Senior Guaranteed Notes, Series B, Due September 15, 2010; and $15,000,000 9.05% Senior Guaranteed Notes, Series C, Due September 15, 2010 (collectively, the "ORIGINAL NOTES"). The Subsidiary Guarantor has executed and delivered that certain Subsidiary Guarantee Agreement dated as of February 26, 2001 (the "ORIGINAL SUBSIDIARY GUARANTEE AGREEMENT") under and pursuant to which the Subsidiary Guarantor guaranteed to the Purchasers the full and prompt payment of all amounts due under and with respect to, and performance by the Company of the terms and provisions of, the Original Notes and the Original Note Agreement. C. The Subsidiary Guarantor has requested that Purchasers amend and restate the Original Note Agreement and Original Notes, and the Purchasers are willing to enter into and execute that certain Amended and Restated Note Purchase Agreement each dated April 19, 2002 (as the same may hereafter be amended, modified and/or restated from time to time, the "NOTE AGREEMENT") and are willing to amend and restate the Original Notes pursuant to the terms thereof (as so amended and restated, the "NOTES"), on the condition (among others) that the Subsidiary Guarantor execute and deliver this Amended and Restated Guarantee Agreement. All capitalized terms used herein without definition shall have the same meanings herein as such terms have in the Note Agreement unless otherwise defined herein or the context shall otherwise require. D. The Subsidiary Guarantor has agreed to execute and deliver this Amended and Restated Subsidiary Guarantee Agreement to and for the benefit of the Purchasers. This Amended and Restated Subsidiary Guarantee Agreement amends and restates the Original Subsidiary Guarantee Agreement in its entirety. E. The Subsidiary Guarantor has determined that the execution and delivery of this Amended and Restated Subsidiary Guarantee Agreement is in furtherance of its purposes and in the best interests of it and its members, and that it will derive substantial benefit, whether directly or indirectly, from the performance by the Company of the obligations under the Note Agreement, having regard for all relevant facts and circumstances. NOW, THEREFORE, in consideration of the premises, and for other good and valuable consideration, the receipt whereof is hereby acknowledged, the Subsidiary Guarantor does hereby covenant and agree with the Purchasers as follows: 1. GUARANTY OF NOTES AND NOTE AGREEMENT (a) Subject to Section 1(b), below, the Subsidiary Guarantor does hereby irrevocably, absolutely and unconditionally (i) guarantee unto the Purchasers the prompt payment in full when due, whether by lapse of time, acceleration or otherwise, of (A) all indebtedness, obligations and liabilities of the Company under or in connection with or evidenced by (x) the Note Agreement, or (y) the Notes heretofore or hereafter issued under the Note Agreement, in each case whether now existing or hereafter arising, due or to become due, direct or indirect, absolute or contingent, and howsoever evidenced, held or acquired and (B) all costs, expenses and charges, legal and otherwise, incurred by the Purchasers in collecting or enforcing any of such indebtedness, obligations and liabilities or in realizing on or protecting any security therefor, including, without limitation, the guaranty afforded hereunder (all of such indebtedness, obligations, liabilities, expenses and charges identified in the immediately foregoing clauses (A) and (B) being hereinafter referred to as the "OBLIGATIONS") and (ii) agree to cause the full and prompt performance and observance of each and all of the Company's obligations under and pursuant to the Notes, the Note Agreement and each and every agreement, certificate or other document executed or delivered in connection with the execution of the Note Agreement. (b) The obligations of the Subsidiary Guarantor hereunder shall be limited to the lesser of (i) the Obligations guaranteed hereunder, or (ii) a maximum aggregate amount equal to the largest amount that would not render its obligations hereunder subject to avoidance as a fraudulent transfer or conveyance under Section 548 of Title 11 of the United States Code or any applicable provisions of comparable state law (collectively, the "FRAUDULENT TRANSFER LAWS"), if and to the extent the Subsidiary Guarantor (or a trustee on its behalf) has properly invoked the protections of the Fraudulent Transfer Laws in each case after giving effect to all other liabilities of the Subsidiary Guarantor, contingent or otherwise, that are relevant under the Fraudulent Transfer Laws. -2- 2. GUARANTY OF PAYMENT AND PERFORMANCE This is a guaranty of payment and performance, and not of collection, and the Subsidiary Guarantor hereby waives any right to require that any action on or in respect of the Obligations or the Note Agreement be brought against the Company. The Purchasers may, at their option, proceed hereunder against the Subsidiary Guarantor in the first instance to collect monies when due, the payment of which is guaranteed hereby, without first proceeding against the Company or any other Person and without first resorting to any direct or indirect security for the Obligations or for this Amended and Restated Subsidiary Guarantee Agreement, if any, or to any other remedy. The liability of the Subsidiary Guarantor hereunder shall in no way be affected or impaired by any acceptance by the Purchasers of any direct or indirect security for, or other guaranties of, any indebtedness, liability or obligation of the Company or any other Person to the Purchasers or by any failure, delay, neglect or omission by the Purchasers to realize upon or protect any such indebtedness, liability or obligation or any notes or other instruments evidencing the same or any direct or indirect security therefor or by any approval, consent, waiver, or other action taken, or omitted to be taken by the Purchasers. 3. GENERAL PROVISIONS RELATING TO THE GUARANTY. (a) The Subsidiary Guarantor hereby consents and agrees that the Purchasers, with or without any further notice to or assent from the Subsidiary Guarantor may, without in any manner affecting the liability of the Subsidiary Guarantor, and upon such terms and conditions as the Purchasers may deem advisable: (1) extend in whole or in part ( by renewal or otherwise), modify, change, compromise, release or extend the duration of the time for the performance or payment of any indebtedness, liability or obligation of the Company or of any other Person secondarily or otherwise liable for any indebtedness, liability or obligations of the Company on the Obligations, or waive any default with respect thereto, or waive, modify, amend or change any provision of any other instruments; or (2) sell, release, surrender, modify, impair, exchange or substitute any and all property, of any nature and from whomsoever received, held by, or on behalf of, the Purchasers as direct or indirect security, if any, for the payment or performance of any indebtedness, liability or obligation of the Company or of any other Person secondarily or otherwise liable for any indebtedness, liability or obligation of the Company on the Obligations; or (3) settle, adjust or compromise any claim of the Company against any other Person secondarily or otherwise liable for any indebtedness, liability or obligation of the Company on the Obligations. The Subsidiary Guarantor hereby ratifies and confirms any such extension, renewal, change, sale, release, waiver, surrender, exchange, modification, amendment, impairment, substitution, settlement, adjustment or compromise and agrees that the same shall be binding upon it, and hereby waives any and all defenses, counterclaims or offsets which it might or could -3- have by reason thereof, it being understood that the Subsidiary Guarantor shall at all times be bound by this Guaranty and remain liable hereunder. (b) The Subsidiary Guarantor hereby waives: (1) notice of acceptance of this Amended and Restated Subsidiary Guarantee Agreement by the Purchasers or of the creation, renewal or accrual of any liability of the Company, present or future, or of the reliance of the Purchasers upon this Amended and Restated Subsidiary Guarantee Agreement (it being understood that the Obligations shall conclusively be presumed to have been created, contracted or incurred in reliance upon the execution of this Amended and Restated Subsidiary Guarantee Agreement); (2) demand of payment by the Purchasers from the Company or any other Person indebted in any manner on or for any of the indebtedness, liabilities or obligations hereby guaranteed; and (3) presentment for the payment by the Purchasers or any other Person of the Notes or any other instrument, protest thereof and notice of its dishonor to any party thereto and to the Subsidiary Guarantor. The obligations of the Subsidiary Guarantor under this Amended and Restated Subsidiary Guarantee Agreement and the rights of the Purchasers to enforce such obligations by any proceedings, whether by action at law, suit in equity or otherwise, shall not be subject to any reduction, limitation, impairment or termination, whether by reason of any claim of any character whatsoever or otherwise and shall not be subject to any defense, set-off, counterclaim (other than any compulsory counterclaim), recoupment or termination whatsoever. (c) The obligations of the Subsidiary Guarantor hereunder shall be binding upon the Subsidiary Guarantor and its successors and assigns, and shall remain in full force and effect irrespective of: (1) the genuineness, validity, regularity or enforceability of the Obligations, the Note Agreement or any other instruments relating thereto or any of the terms of any thereof, the continuance of any obligation on the part of the Company or any other Person on the Obligations or under the Note Agreement or the power or authority or the lack of power or authority of the Company to issue or incur the Obligations or execute and deliver the Note Agreement or the Notes or to perform any of its obligations thereunder or the existence or continuance of the Company or any other Person as a legal entity; or (2) any default, failure or delay, willful or otherwise, in the performance by the Company or any other Person of any obligations of any kind or character whatsoever of the Company or any other Person (including, without limitation, the obligations and undertakings of the Company or any other Person under the Obligations, the Note Agreement or the Notes); or (3) any creditors' rights, bankruptcy, receivership or other insolvency proceeding of the Company or any other Person or in respect of the property of the Company or any other Person or any merger, consolidation, reorganization, dissolution, liquidation or winding up of the Company or any other Person; or (4) impossibility or illegality of performance on the part of the Company or any other Person of its obligations under the Obligations, the Note Agreement, the Notes or any other instruments; or -4- (5) in respect of the Company or any other Person, any change of circumstances, whether or not foreseen or foreseeable, whether or not imputable to the Company or any other Person, or other impossibility of performance through fire, explosion, accident, labor disturbance, floods, droughts, embargoes, wars (whether or not declared), civil commotions, acts of God or the public enemy, delays or failure of suppliers or carriers, inability to obtain materials, action of any Federal or state regulatory body or agency, change of law or any other causes affecting performance, or any other force majeure, whether or not beyond the control of the Company or any other Person and whether or not of the kind hereinbefore specified; or (6) any attachment, claim, demand, charge, lien, order, process, encumbrance or any other happening or event or reason, similar or dissimilar to the foregoing, or any withholding or diminution at the source, by reason of any taxes, assessments, expenses, indebtedness, obligations or liabilities of any character, foreseen or unforeseen, and whether or not valid, incurred by or against any Person, or any claims, demands, charges or liens of any nature, foreseen or unforeseen, incurred by any Person, or against any sums payable under this Amended and Restated Subsidiary Guarantee Agreement, so that such sums would be rendered inadequate or would be unavailable to make the payments herein provided; or (7) any order, judgment, decree, ruling or regulation (whether or not valid) of any court of any nation or of any political subdivision thereof or any body, agency, department, official or administrative or regulatory agency of any thereof or any other action, happening, event or reason whatsoever which shall delay, interfere with, hinder or prevent, or in any way adversely affect, the performance by any party of its respective obligations under the Obligations, the Note Agreement or the Notes or any instrument relating thereto; or (8) the failure of the Subsidiary Guarantor to receive any benefit from or as a result of its execution, delivery and performance of this Amended and Restated Subsidiary Guarantee Agreement; or (9) any failure or lack of diligence in collection or protection, failure in presentment or demand for payment, protest, notice of protest, notice of default and of nonpayment, any failure to give notice to the Subsidiary Guarantor of failure of the Company or any other Person to keep and perform any obligation, covenant or agreement under the terms of the Obligations or the Note Agreement or failure to resort for payment to the Company or to any other Person or to any other guaranty or to any property, security or liens, if any, or other rights or remedies; or (10) the acceptance of any security or other guaranty, the advance of additional money to the Company or any other Person, the renewal or extension of the Obligations or amendments, modifications, consents or waivers with respect to the Obligations or the Note Agreement, or the sale, release, substitution or exchange of any security, if any, for the Obligations or for this Amended and Restated Subsidiary Guarantee Agreement including, without limitation, the release of collateral, if any, or -5- (11) any defense whatsoever that the Company or any other Person might have to the payment of the Obligations, or to the performance or observance of any of the provisions of the Note Agreement, whether through the satisfaction or purported satisfaction by the Company or any other Person of its debts due to any cause such as bankruptcy, insolvency, receivership, merger, consolidation, reorganization, dissolution, liquidation, winding-up or otherwise; or (12) any act or failure to act with regard to the Obligations or the Note Agreement or anything which might vary the risk of the Subsidiary Guarantor; or (13) any other circumstance which might otherwise constitute a defense available to, or a discharge of, the Subsidiary Guarantor in respect of the obligations of the Subsidiary Guarantor under this Amended and Restated Subsidiary Guarantee Agreement; PROVIDED that the specific enumeration of the above-mentioned acts, failures or omissions shall not be deemed to exclude any other acts, failures or omissions, though not specifically mentioned above, it being the purpose and intent of this Amended and Restated Subsidiary Guarantee Agreement that the obligations of the Subsidiary Guarantor shall be absolute and unconditional and shall not be discharged, impaired or varied except by the payment in full of the Obligations in accordance with their respective terms whenever the same shall become due and payable, at the place specified in and all in the manner and with the effect provided in the Notes and the Note Agreement. Without limiting the foregoing, it is understood that repeated and successive demands may be made and recoveries may be had hereunder as and when, from time to time, the Company shall default under the terms of the Notes or the Note Agreement and that notwithstanding recovery hereunder for or in respect of any given default or defaults by the Company under the Notes or the Note Agreement, this Amended and Restated Subsidiary Guarantee Agreement shall remain in full force and effect and shall apply to each and every subsequent default. (d) To the extent of any payments made under this Amended and Restated Subsidiary Guarantee Agreement, the Subsidiary Guarantor making such payment shall be subrogated to the rights of the holders of the Obligations in respect of whose Obligations such payment was made, but the Subsidiary Guarantor covenants and agrees that such right of subrogation shall be subordinate in right of payment to the rights of any holder of the Obligations for which full payment has not been made or provided for and, to that end, the Subsidiary Guarantor agrees not to claim or enforce any such right of subrogation or any right of set-off or any other right which may arise on account of any payment made by the Subsidiary Guarantor in accordance with the provisions of this Amended and Restated Subsidiary Guarantee Agreement unless and until all of the Notes and all other Obligations have been fully paid and discharged. (e) The Subsidiary Guarantor agrees that to the extent the Company or any other Person makes any payment on any Obligation, which payment or any part thereof is subsequently invalidated, voided, declared to be fraudulent or preferential, set aside, recovered, rescinded or is required to be retained by or repaid to a trustee, receiver, or any other Person under any bankruptcy code, common law, or equitable cause, then and to the extent of such payment, the obligation or the part thereof intended to be satisfied shall be revived and continued -6- in full force and effect with respect to the Subsidiary Guarantor's obligations hereunder, as if said payment had not been made. The liability of the Subsidiary Guarantor hereunder shall not be reduced or discharged, in whole or in part, by any payment to the Purchasers from any source that is thereafter paid, returned or refunded in whole or in part by reason of the assertion of a claim of any kind relating thereto, including, but not limited to, any claim for breach of contract, breach of warranty, preference, illegality, invalidity, or fraud asserted by any account debtor or by any other Person. (f) The Purchasers shall not be under any obligation (1) to marshall any assets in favor of the Subsidiary Guarantor or in payment of any or all of the liabilities of the Company under or in respect of the Obligations or the obligations of the Subsidiary Guarantor hereunder or (2) to pursue any other remedy that the Subsidiary Guarantor may or may not be able to pursue itself and that may lighten such Subsidiary Guarantor's burden, any right to which the Subsidiary Guarantor hereby expressly waives. 4. GUARANTOR COVENANTS. (a) REPORTING COVENANTS. So long as any Obligations shall remain unsatisfied, the Subsidiary Guarantor agrees that it shall furnish to the Purchasers: (i) prompt written notice of any condition or event which has resulted, or that could reasonably be expected to result, in a Material Adverse Effect; and (ii) such other information respecting the operations, properties, business or condition (financial or otherwise) of the Subsidiary Guarantor or its Subsidiaries, if any, as the Purchasers may from time to time reasonably request. (b) ADDITIONAL AFFIRMATIVE COVENANTS. So long as any Obligations shall remain unsatisfied, the Subsidiary Guarantor agrees that: (i) PRESERVATION OF EXISTENCE, ETC. The Subsidiary Guarantor shall, and shall cause each of its Subsidiaries, if any, to, maintain and preserve its legal existence, its rights to transact business and all other rights, franchises and privileges necessary or desirable in the normal course of its business and operations and the ownership of its properties. (ii) FURTHER ASSURANCES AND ADDITIONAL ACTS. The Subsidiary Guarantor shall execute, acknowledge, deliver, file, notarize and register at its own expense all such further agreements, instruments, certificates, documents and assurances and perform such acts as the Purchasers shall reasonably deem necessary or appropriate to effectuate the purposes of this Amended and Restated Subsidiary Guarantee Agreement and promptly provide the Purchasers with evidence of the foregoing satisfactory in form and substance to it. (c) NEGATIVE COVENANTS. So long as any Obligations shall remain unsatisfied, the Subsidiary Guarantor agrees that: (i) RESTRICTIONS ON FUNDAMENTAL CHANGES. The Subsidiary Guarantor shall not merge with or consolidate into, or acquire all or -7- substantially all of the assets of, any Person, or sell, transfer, lease or otherwise dispose of (whether in one transaction or in a series of transactions) all or substantially all of its assets, except that any wholly owned Subsidiary of the Subsidiary Guarantor may merge with, consolidate into or transfer all or substantially all of its assets to another such wholly-owned Subsidiary or to the Subsidiary Guarantor and in connection therewith such Subsidiary may be liquidated or dissolved. (ii) DISTRIBUTIONS. The Subsidiary Guarantor shall not grant or otherwise agree to or suffer to exist any consensual restrictions on its ability to pay dividends and make other distributions to the Company, or to pay any Indebtedness owed to the Company or transfer properties and assets to the Company, except that any consensual restrictions existing as of the date hereof and disclosed in writing to the Purchasers shall be permitted hereunder. 5. NOTICES. All communications provided for herein shall be in writing, delivered or mailed prepaid by registered or certified mail or overnight air courier, or by facsimile communication at the addresses set forth below, or to such other address as such Person may designate to the other Persons named below by notice given in accordance with this Section: If to the Purchasers: To the addresses for notices set forth on Schedule A of the Note Agreement If to the Subsidiary Guarantor: c/o the Company to the address for notices set forth in Section 18 of the Note Agreement If to the Company: To the address for notices set forth in Section 18 of the Note Agreement 6. AMENDMENTS AND MODIFICATIONS; SOLICITATION OF NOTEHOLDERS. (a) This Amended and Restated Subsidiary Guarantee Agreement may only be amended and/or modified by an instrument in writing signed by the Subsidiary Guarantor and by the holder or holders of at least 51% in aggregate principal amount of the Notes then outstanding; provided, that without the written consent of the holders of all of the Notes then outstanding, no such waiver, modification, alteration or amendment shall be effective which will reduce the scope of the guaranty set forth in this Amended and Restated Subsidiary Guarantee Agreement or amend the requirements of Sections 1, 2 or 3 hereof or amend this Section 6. No such amendment or modification shall extend to or affect any obligation not expressly amended or modified or impair any right consequent thereon. (b) The Subsidiary Guarantor will not solicit, request or negotiate for or with -8- respect to any proposed waiver or amendment of any of the provisions of this Amended and Restated Subsidiary Guarantee Agreement, the Note Agreement unless each Holder of the Notes (irrespective of the amount of Notes then owned by it) shall be informed thereof by the Subsidiary Guarantor and shall be afforded the opportunity of considering the same and shall be supplied by the Subsidiary Guarantor with a copy of the proposed waiver or amendment and such other information regarding such amendment or waiver as any Holder of the Notes shall reasonably request to enable it to make an informed decision with respect thereto. Executed or true and correct copies of any waiver or amendment effected pursuant to the provisions of this Section 6 shall be delivered by the Subsidiary Guarantor to each Holder of outstanding Notes within 30 days following the date on which the same shall have been executed and delivered by the Holder or Holders of the requisite percentage of the outstanding Notes. The Subsidiary Guarantor will not, directly or indirectly, pay or cause to be paid any remuneration, whether by way of supplemental or additional interest, fee of otherwise, to any Holder of the Notes as consideration for or as an inducement to the entering into by any Holder of the Notes of any waiver or amendment of any of the terms and provisions of this Amended and Restated Subsidiary Guarantee Agreement or the Note Agreement unless such remuneration is concurrently paid, on the same terms, ratably to the Holders of all of the Notes then outstanding. 7. MISCELLANEOUS. (a) No remedy herein conferred upon or reserved to the Purchasers is intended to be exclusive of any other available remedy or remedies, but each and every such remedy shall be cumulative and shall be in addition to every other remedy given under this Amended and Restated Subsidiary Guarantee Agreement now or hereafter existing at law or in equity. No delay or omission to exercise any right or power accruing upon any default, omission or failure of performance hereunder shall impair any such right or power or shall be construed to be a waiver thereof but any such right or power may be exercised from time to time and as often as may be deemed expedient. In order to entitle the Purchasers to exercise any remedy reserved to them under this Amended and Restated Subsidiary Guarantee Agreement, it shall not be necessary for the Purchasers to physically produce their Notes in any proceedings instituted by them or to give any notice, other than such notice as may be herein expressly required. (b) This Amended and Restated Subsidiary Guarantee Agreement shall be binding upon the Subsidiary Guarantor, its successors and assigns and shall inure, together with the rights and remedies of the Purchasers hereunder, to the benefit of the Purchasers and their successors and assigns; provided, however, that the Subsidiary Guarantor may not assign its rights or delegate its duties hereunder without the Purchasers' prior written consent. Without limiting the generality of the foregoing, but subject to the terms and conditions of the Note Agreement, the Purchasers may assign or otherwise transfer any indebtedness held by them secured by this Amended and Restated Subsidiary Guarantee Agreement to any other Person or entity, and such other Person or entity shall thereupon become vested with all the benefits in respect thereof granted to the Purchasers herein or otherwise, subject, however, to the provisions of the Note Agreement. The Company hereby releases the Purchasers from any liability for any act or omission relating to this Amended and Restated Subsidiary Guarantee Agreement, except the Purchasers' gross negligence or willful misconduct. (c) In the event that any provision hereof shall be deemed to be invalid by reason -9- of the operation of any law or by reason of the interpretation placed thereon by any court, this Amended and Restated Subsidiary Guarantee Agreement shall be construed as not containing such provision, but only as to such jurisdictions where such law or interpretation is operative, and the invalidity of such provision shall not affect the validity of any remaining provision hereof, and any and all other provisions hereof which are otherwise lawful and valid shall remain in full force and effect. (d) This Amended and Restated Subsidiary Guarantee Agreement shall be deemed to have been made in the State of New York and shall be governed by and construed in accordance with the laws of the State of New York, without regard to principles of conflicts of law. The headings in this instrument are for convenience of reference only and shall not limit or otherwise affect the meaning of any provision hereof. (e) THE GUARANTORS HEREBY AGREE TO WAIVE, AND THE AGENT AND THE LENDERS BY THEIR ACCEPTANCE HEREOF HEREBY AGREE TO WAIVE, THEIR RESPECTIVE RIGHTS TO A TRIAL BY JURY OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING OUT OF OR RELATED TO THIS GUARANTY, THE OTHER GUARANTOR DOCUMENTS OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY IN ANY ACTION, PROCEEDING OR OTHER LITIGATION OF ANY TYPE BROUGHT BY ANY OF THE PARTIES AGAINST ANY OTHER PARTY OR PARTIES, WHETHER WITH RESPECT TO CONTRACT CLAIMS, TORT CLAIMS, OR OTHERWISE. THE GUARANTORS HEREBY AGREE, AND THE AGENT AND THE LENDERS BY THEIR ACCEPTANCE HEREOF HEREBY AGREE, THAT ANY SUCH CLAIM OR CAUSE OF ACTION SHALL BE TRIED BY A COURT TRIAL WITHOUT A JURY. WITHOUT IN ANY WAY LIMITING THE FOREGOING, THE GUARANTORS FURTHER AGREE, AND THE AGENT AND THE LENDERS BY THEIR ACCEPTANCE HEREOF FURTHER AGREE, THAT THEIR RESPECTIVE RIGHT TO A TRIAL BY JURY IS WAIVED BY OPERATION OF THIS SECTION AS TO ANY ACTION, COUNTERCLAIM, OR OTHER PROCEEDING WHICH SEEKS, IN WHOLE OR IN PART, TO CHALLENGE THE VALIDITY OR ENFORCEABILITY OF THIS GUARANTY OR THE OTHER GUARANTORS DOCUMENTS OR ANY PROVISION HEREOF OR THEREOF. THIS WAIVER SHALL APPLY TO ANY SUBSEQUENT AMENDMENTS, RENEWALS, SUPPLEMENTS OR MODIFICATIONS TO THE GUARANTY AND THE OTHER GUARANTOR DOCUMENTS. A COPY OF THIS SECTION 7(E) MAY BE FILED WITH ANY COURT AS WRITTEN EVIDENCE OF THE WAIVER OF THE RIGHT TO TRIAL BY JURY AND CONSENT TO TRIAL BY COURT. (f) THE GUARANTORS ACKNOWLEDGE THAT THEY AS INDIVIDUAL ENTITIES HAVE EITHER OBTAINED THE ADVICE OF LEGAL COUNSEL OR HAVE HAD THE OPPORTUNITY TO OBTAIN SUCH ADVICE IN CONNECTION WITH THE TERMS AND PROVISIONS OF THIS GUARANTY. THE GUARANTORS ACKNOWLEDGE AND AGREE THAT EACH OF THE WAIVERS AND CONSENTS SET FORTH HEREIN ARE MADE WITH FULL KNOWLEDGE OF THEIR SIGNIFICANCE AND CONSEQUENCES. ADDITIONALLY, THE GUARANTORS ACKNOWLEDGE AND AGREE THAT BY EXECUTING THIS -10- GUARANTY, THEY ARE WAIVING CERTAIN RIGHTS, BENEFITS, PROTECTIONS AND DEFENSES TO WHICH THEY MAY OTHERWISE BE ENTITLED UNDER APPLICABLE LAW, INCLUDING UNDER THE PROVISIONS OF THE CALIFORNIA CIVIL CODE AND CALIFORNIA CODE OF CIVIL PROCEDURE REFERRED TO IN THIS AGREEMENT TO THE EXTENT SUCH LAWS ARE APPLICABLE, AND THAT ALL SUCH WAIVERS HEREIN ARE EXPLICIT, KNOWING WAIVERS. THE GUARANTORS FURTHER ACKNOWLEDGE AND AGREE THAT THE AGENT AND THE LENDERS ARE RELYING ON SUCH WAIVERS IN CREATING THE GUARANTEED OBLIGATIONS, AND THAT SUCH WAIVERS ARE A MATERIAL PART OF THE CONSIDERATION WHICH THE AGENT AND THE LENDERS ARE RECEIVING FOR CREATING THE GUARANTEED OBLIGATIONS. (g) The obligations of the Subsidiary Guarantor hereunder shall remain in full force and effect until all the Obligations have been paid and satisfied in full. -11- IN WITNESS WHEREOF, the Subsidiary Guarantor has caused this Amended and Restated Subsidiary Guarantee Agreement to be duly executed and attested as of the date first above written. [Subsidiary Guarantor] By: The Chalone Wine Group, Ltd., a California corporation Its Managing Member By: _____________________________ Thomas B. Selfridge, President and CEO REPRESENTATION AND WARRANTIES OF ORIGINAL SUBSIDIARY GUARANTORS Such Subsidiary Guarantor represents and warrants to each Purchaser as follows: 1. SUBSIDIARIES. Such Subsidiary Guarantor has, directly and indirectly, good and marketable title to all of the shares it purports to own of the stock of each of its subsidiaries, free and clear in each case of any Lien. All such shares have been duly issued and are fully paid and non-assessable. 2. ORGANIZATION AND AUTHORITY. Such Subsidiary Guarantor, and each of its subsidiaries, (a) is a corporation or general partnership, duly incorporated, or duly organized, as the case may be, amalgamated or continued, validly existing and in good standing and has duly made all registrations and filings required given the nature of its business under the laws of its jurisdiction of incorporation or organization and has paid all taxes as are necessary to maintain its corporate or partnership existence, as the case may be; (b) has all requisite power and authority and all necessary licenses and permits to own and operate its properties and to carry on its business as now conducted, where failure to do so would materially affect adversely the business, properties, profits or financial condition of such Subsidiary Guarantor or any of its subsidiaries; and (c) is duly licensed or qualified and is in good standing as a foreign corporation in each jurisdiction wherein the nature of the business transacted by it or the nature of the property owned or leased by it makes such licensing or qualification necessary, where failure to do so would materially affect adversely the business, properties, profits or financial condition of such Subsidiary Guarantor or any of its subsidiaries. 3. FULL DISCLOSURE. Neither the Subsidiary Guarantee Agreement, the Collateral Documents to which such Subsidiary Guarantor is a signatory nor any other written statement furnished by such Subsidiary Guarantor to such Purchaser in connection with the negotiation of the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a signatory, contains any untrue statement of a material fact or omits a material fact necessary to make the statements contained therein or herein not misleading. There is no fact peculiar to such Subsidiary Guarantor or its subsidiaries which such Subsidiary Guarantor has not disclosed to such Purchaser in writing which materially affects adversely nor, so far as such Subsidiary Guarantor can now foresee, will materially affect adversely the properties, business, profits or financial condition of such Subsidiary Guarantor and its subsidiaries, taken as a whole. 4. PENDING LITIGATION. There are no proceedings pending or, to the knowledge of such Subsidiary Guarantor, threatened against or affecting such Subsidiary Guarantor or any of its subsidiaries in any court or before any governmental authority or arbitration board or tribunal are reasonably likely to materially affect adversely the properties, business, profits or financial condition of such Subsidiary Guarantor and its subsidiaries. EXHIBIT 10.11(a) (to the Note Purchase Agreement) 5. TITLE TO PROPERTIES. Such Subsidiary Guarantor and each of its subsidiaries has good and marketable title in fee simple (or its equivalent under applicable law) to all material parcels of real property and has good title to all the other material items of property it purports to own, except as sold or otherwise disposed of in the ordinary course of business and except for Liens permitted by this Agreement. 6. PATENTS AND TRADEMARKS. Such Subsidiary Guarantor and each of its subsidiaries owns, possesses or has the right to use all the patents, trademarks, trade names, service marks, copyright, licenses and rights with respect to the foregoing necessary for the present and planned future conduct of its business, without any known conflict with the rights of others. 7. COMPLIANCE IS LEGAL AND AUTHORIZED.Compliance by such Subsidiary Guarantor with all of the provisions of the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a signatory-- (a) is within the corporate or partnership powers, as the case may be, of such Subsidiary Guarantor; (b) will not violate any provisions of any law or any order of any court or governmental authority or agency and will not conflict with or result in any breach of any of the terms, conditions or provisions of, or constitute a default under the charter or other organizational documents of such Subsidiary Guarantor or any indenture or other agreement or instrument to which such Subsidiary Guarantor is a party or by which it may be bound or result in the imposition of any Liens or encumbrances on any property of such Subsidiary Guarantor; and (c) has been duly authorized by proper corporate or partnership action, as the case may be, on the part of such Subsidiary Guarantor (no action by the stockholders or partners of such Subsidiary Guarantor being required by law, by the charter or other organizational documents of such Subsidiary Guarantor or otherwise), and such Subsidiary Guarantee Agreement and Collateral Documents have been duly executed and delivered by such Subsidiary Guarantor and constitute the legal, valid and binding obligations, contracts and agreements of such Subsidiary Guarantor enforceable in accordance with its terms. 8. NO DEFAULTS. Neither such Subsidiary Guarantor nor any of its subsidiaries is in default in the payment of principal or interest on any Debt or is in default under any instrument or instruments or agreements under and subject to which any Debt has been issued, and no event has occurred and is continuing under the provisions of any such instrument or agreement which with the lapse of time or the giving of notice, or both, would constitute an event of default thereunder. 9. GOVERNMENTAL CONSENT. No approval, consent or withholding of objection on the part of, or filing, registration or qualification with, any governmental department, regulatory authority or court under the laws of the United States or any agency or authority thereof, state, Federal or local, is necessary in connection with the lawful execution and delivery by such Subsidiary Guarantor of its Guaranty or compliance by such Subsidiary Guarantor with any of the provisions of such Subsidiary Guarantee Agreement and the Collateral Documents including, without limitation, payments to be made under such Subsidiary Guarantee Agreement. 10.11(a)-2 10. TAXES. Such Subsidiary Guarantor and its subsidiaries have filed all tax returns that are required to have been filed in any jurisdiction, and have paid all taxes shown to be due and payable on such returns and all other taxes and assessments levied upon them or their properties, assets, income or franchises, to the extent such taxes and assessments have become due and payable and before they have become delinquent, except for any taxes and assessments (i) the amount of which is not individually or in the aggregate material, or (ii) the amount, applicability or validity of which is currently being contested in good faith by appropriate proceedings and with respect to which such Subsidiary Guarantor or a subsidiary has established adequate reserves in accordance with GAAP. Such Subsidiary Guarantor knows of no basis for any other tax or assessment that could reasonably be expected to have a material adverse effect. The charges, accruals and reserves on the books of such Subsidiary Guarantor and its subsidiaries in respect of Federal, state or other taxes for all fiscal periods are adequate. The Federal income tax liabilities of such Subsidiary Guarantor and its subsidiaries have been paid for all fiscal years up to and including the fiscal year ended March 31, 2000. 11. EMPLOYEE-RELATED MATTERS. (a) Each pension plan maintained by such Subsidiary Guarantor or any of its subsidiaries complies in all material respects with all applicable statutes and governmental rules and regulations. Such Subsidiary Guarantor and each of its subsidiaries has satisfied their respective funding obligations as required by applicable law for all pension plans maintained by them. All tax returns and reports required to be filed by or with respect to such Subsidiary Guarantor's and each of its subsidiaries' pension plans in all applicable jurisdictions have been filed. Such plans are (to the extent required under applicable law, rule or regulation) registered under, and are in compliance with, applicable federal legislation and all reports, returns and filings required to be made thereunder have been made. Such plans have been at all times administered in accordance with their terms and the provisions of applicable law. Neither such Subsidiary Guarantor nor any of its subsidiaries has incurred a liability in connection with the winding-up of a pension plan or the withdrawal from a multiemployer plan which would have a Material adverse effect on the properties, business, profits or condition (financial or otherwise) of such Subsidiary Guarantor and each of its subsidiaries taken as a whole or impair the ability of such Subsidiary Guarantor or any of its subsidiaries to perform its respective obligations contained in the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a signatory. There are no controversies pending or, to the knowledge of such Subsidiary Guarantor, threatened or anticipated between such Subsidiary Guarantor and any of its employees which would have a material adverse effect on the properties, business, profits or condition (financial or otherwise) of such Subsidiary Guarantor or any of its subsidiaries or would materially impair the ability of such Subsidiary Guarantor or any of its subsidiaries to perform its obligations contained in the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a signatory and there are no material labor disputes, grievances, arbitration proceedings or any strikes, work stoppages or slow downs pending or, to such Subsidiary Guarantor's knowledge, threatened by such Subsidiary Guarantor's employees and representatives. (b) The consummation of the transactions provided for in the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a signatory and compliance by such Subsidiary Guarantor with the provisions thereof will not involve any 10.11(a)-3 prohibited transaction within the meaning of ERISA or Section 4975 of the Internal Revenue Code of 1986, as amended. No Reportable Event has occurred and is continuing with respect to any Plan. Neither such Subsidiary Guarantor nor any ERISA Affiliate has withdrawn from any Plan or Multiemployer Plan or instituted steps to do so and no steps have been instituted to terminate any Plan. No condition exists or event or transaction has occurred in connection with any Plan which could result in the incurrence by such Subsidiary Guarantor or any ERISA Affiliate of any material liability, fine or penalty. No Plan maintained by such Subsidiary Guarantor or any ERISA Affiliate, nor any trust created thereunder, has incurred any "accumulated funding deficiency" as defined in Section 302 of ERISA nor does the present value of all benefits vested under all Plans exceed, as of the last annual valuation date, the value of the assets of the Plans allocable to such vested benefits. Neither such Subsidiary Guarantor nor any ERISA Affiliate has any contingent liability with respect to any post-retirement "welfare benefit plan" (as such term is defined in ERISA) except as has been disclosed to the Purchasers. 12. COMPLIANCE WITH LAW. Neither such Subsidiary Guarantor nor any of its subsidiaries (a) is in violation of any law, ordinance, franchise, governmental rule or regulation to which it is subject; or (b) has failed to obtain any license, permit, franchise or other governmental authorization necessary to the ownership of its property or to the conduct of its business, which violation or failure to obtain would materially adversely affect the business, prospects, profits, properties or condition (financial or otherwise) of such Subsidiary Guarantor and its subsidiaries, taken as a whole, or impair the ability of such Subsidiary Guarantor to perform its obligations contained in the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a signatory. Neither such Subsidiary Guarantor nor any of its subsidiaries is in default with respect to any order of any court or governmental authority or arbitration board or tribunal. 13. COMPLIANCE WITH ENVIRONMENTAL LAWS. Neither such Subsidiary Guarantor nor any of its subsidiaries is in violation of any applicable United States Federal, state, or local laws, statutes, rules, regulations or ordinances relating to public health, safety or the environment, including, without limitation, relating to releases, discharges, emissions or disposals to air, water, land or ground water, to the withdrawal or use of ground water, to the use, handling or disposal of polychlorinated biphenyls (PCBs), asbestos or urea formaldehyde, to the treatment, storage, disposal or management of hazardous substances (including, without limitation, petroleum, crude oil or any fraction thereof, or other hydrocarbons), pollutants or contaminants, to exposure to toxic, hazardous or other controlled, prohibited or regulated substances which violation could materially affect adversely the business, profits, properties or financial condition of such Subsidiary Guarantor and its subsidiaries, taken as a whole. Such Subsidiary Guarantor does not know of any liability or class of liability of such Subsidiary Guarantor or any of its subsidiaries under the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as amended (42 U.S.C. Section 9601 et seq.), or the Resource Conservation and Recovery Act of 1976, as amended (42 U.S.C. Section 6901 et seq.). 14. ABSENCE OF FOREIGN OR ENEMY STATUS. (a) No Subsidiary Guarantor nor any of their subsidiaries on the date hereof, is (i) an "enemy" or an "ally of enemy" within the meaning of Section 2 of the Trading with the Enemy Act, (ii) a "national" of a foreign country designated in Executive Order 8389, as amended or of any "designated enemy country" as defined in 10.11(a)-4 Executive Order No. 9095, as amended, of the President of the United States of America, in each case within the meaning of said Executive Orders, as amended, or of any regulation issued thereunder, or (iii) a "national of any designated foreign country" within the meaning of the Foreign Assets Control Regulations or of the Cuban Assets Control Regulations of the United States of America. (b) The execution and delivery of the Subsidiary Guarantee Agreement and the Collateral Documents by any Subsidiary Guarantor as contemplated hereby will not violate the Foreign Assets Control Regulations, the Foreign Funds Control Regulations, the Transaction Control Regulations, the Cuban Assets Control Regulations, the Iranian Assets Control Regulations, the Libyan Sanctions Regulations, the South African Transactions Regulations, or the Iraqi Sanctions Regulations of the United States Treasury Department (each as set forth in 31 C.F.R., Subtitle B, Chapter V, as amended). 15. CONSOLIDATED AND INTEGRATED BUSINESS. The Company and its Restricted Subsidiaries share centralized administration of the winery functions of each entity including finance, sales and marketing. Such centralized administration is performed at the Company's Napa office. This facility also includes a central distribution center in which substantially all of the Company's and its Restricted Subsidiaries' wines are stored prior to shipping. Sales and marketing of all of the Company's and Restricted Subsidiaries' wines within the State of California are made through the Company's own sales forces and one or more wholesalers. The Company uses a single broker for all wholesale California sales of the Company and its Restricted Subsidiaries. Furthermore, all of the Company's and Restricted Subsidiaries' wineries are operated under the overall supervision of the Company's Chief Executive Officer. The Company and each Subsidiary Guarantor prepare consolidated financial statements and do their financial reporting on a consolidated basis. 16. SOLVENCY AND CONSIDERATION. (a) Such Subsidiary Guarantor is solvent, has capital not unreasonably small in relation to its business or any contemplated or undertaken transaction and has assets having a value both at fair valuation and at present fair salable value greater than the amount required to pay its debts as they become due and greater than the amount that will be required to pay its probable liability on its existing debts as they become absolute and matured. Such Subsidiary Guarantor does not intend to incur, or believes or should have believed that it will incur, debts beyond its ability to pay such debts as they become due. Such Subsidiary Guarantor will not be rendered insolvent by the execution and delivery of, and performance of its obligations under, the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a signatory. such Subsidiary Guarantor does not intend to hinder, delay or defraud its creditors by or through the execution and delivery of, or performance of its obligations under, the Subsidiary Guarantee Agreement and the Collateral Documents to which such Subsidiary Guarantor is a signatory. (b) Each Subsidiary Guarantor for itself has determined that the execution and delivery of the Subsidiary Guarantee Agreement and the Collateral Documents to which such 10.11(a)-5 Subsidiary Guarantor is a signatory is in furtherance of its corporate purposes and is in its best interest and that it will derive substantial benefit, whether directly or indirectly, from the making of such Subsidiary Guarantee Agreement and the Collateral Documents (i) by, among other things, (1) enabling its direct or indirect parent company to obtain financing deemed necessary and beneficial by such parent company for general, consolidated corporate purposes and (2) enabling it to increase its capitalization on a consolidated basis and (ii) in accordance with its participation in the consolidated and integrated business described in paragraph 15 hereof. 17. SUBSIDIARY GUARANTEE AGREEMENT to Rank Pari Passu.The Subsidiary Guarantee Agreement to which such Subsidiary Guarantor is a party and all other obligations thereunder are direct and unsecured obligations of such Subsidiary Guarantor ranking PARI PASSU as against all other present and future Debt (actual or contingent) of such Subsidiary Guarantor which is not secured or the subject of any statutory trust or preference or which is not expressed to be subordinate or junior in rank to any other Debt of such Subsidiary Guarantor. 18. INVESTMENT COMPANY ACT. Such Subsidiary Guarantor is not, and is not directly or indirectly controlled by or acting on behalf of any Person which is, required to register as an "investment company" under the Investment Company Act of 1940, as amended. 19. PUBLIC UTILITY HOLDING COMPANY ACT. Such Subsidiary Guarantor is not, nor will it become, solely by reason of entering into or performing its obligations under the Subsidiary Guarantee Agreement to which it is a party or the carrying out of any of the transactions contemplated thereby, a "public utility company" or a "holding company" under the Public Utility Holding Company Act of 1935, as amended. 10.11(a)-6 FORM OF DEED OF TRUST See attached representative form of Deed of Trust. EXHIBIT A (to Note Purchase Agreement) RECORDING REQUESTED BY: ) NORTH AMERICAN TITLE COMPANY ) AND WHEN RECORDED MAIL TO: ) McDermott, Will & Emery ) 227 West Monroe Street, Suite 4400 ' ) Chicago, Illinois 60606 ) Attention: Elizabeth L. Majers, Esq. ) ________________________________________________________________________________ (Space Above For Recorder's use only) DEED OF TRUST, SECURITY AGREEMENT, ASSIGNMENT OF RENTS AND FIXTURE FILING Dated as of April 19, 2002 From THE CHALONE WINE GROUP, LTD. (the "Company") To North American Title Company, as Trustee For the Benefit of C60PERATIEVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, as collateral agent (the "Collateral Agent") THIS DEED OF TRUST CONSTITUTES A FIXTURE FILING UNDER SECTION 9502 OF THE UNIFORM COMMERCIAL CODE OF THE STATE OF CALIFORNIA ("UCC") AND APPLIES TO ALL GOODS AND PERSONAL PROPERTY WHICH, UNDER CALIFORNIA LAW, ARE OR ARE TO BECOME FIXTURES ON THE REAL PROPERTY LOCATED IN THE COUNTY OF MONTEREY, STATE OF CALIFORNIA, AND MORE PARTICULARLY DESCRIBED ON ANNEX A WHICH IS ATTACHED HERETO AND INCORPORATED HEREIN BY THIS REFERENCE. THE NAMES OF THE DEBTOR AND THE SECURED PARTY, THE MAILING ADDRESS OF THE SECURED PARTY FROM WHICH INFORMATION CONCERNING THE SECURITY INTEREST MAY BE OBTAINED, THE MAILING ADDRESS OF THE DEBTOR AND A STATEMENT INDICATING THE TYPES, OR DESCRIBING THE ITEMS, OF COLLATERAL, ARE AS DESCRIBED HEREIN, IN COMPLIANCE WITH THE REQUIREMENTS OF UCC. THIS DEED OF TRUST SECURES PROMISSORY NOTES WHICH PROVIDE FOR VARIABLE RATES OF INTEREST. THIS DEED OF TRUST IS ENTERED INTO BY THE PARTIES HERETO EXPRESSLY SUBJECT TO THE TERMS AND CONDITIONS OF THE INTERCREDITOR AND COLLATERAL AGREEMENT (AS DEFINED HEREIN) AND THE RIGHTS OF COLLATERAL AGENT SET FORTH THEREIN, WHICH MAY RESULT IN THE SUBORDINATION THERETO OF ANY LIEN OR OTHER CLAIM BY ANY JUNIOR LIENHOLDER OR JUNIOR DEED OF TRUST BENEFICIARY WITH AN INTEREST SECURED BY THE COLLATERAL DESCRIBED HEREIN. Tax statements for the Collateral described herein and situated in the State of California should be sent to: The Chalone Wine Group, Ltd. 621 Airpark Road Napa, California 94558 TABLE OF CONTENTS Page Recitals.......................................................................1 Section 1 Definitions ...................................................7 Section 2. General Covenants and Warranties .............................11 Section 2.1. Agreement and Deed of Trust Covenants ................. .....11 Section 2.2. Ownership of Collateral................................ ......12 Section 2.3 Further Assurances............................................12 Section 2.4. Payment of Principal, Premium and Interest ..................12 Section 2.5. Maintenance of Collateral, Other Liens, Compliance with Laws, Environmental Matters, Etc . .................................12 Section 2.6. Insurance. .................................................16 Section 2.7. Payment of Taxes and Other Charges; Contests Thereof..........18 Section 2.8. Limitation on Liens ..........................................19 Section 2.9. Advances......................................................19 Section 2.10. Recordation...................................................20 Section 2.11. After-Acquired Property. .....................................20 Section 2.12. Indemnification; Waiver of Offset.............................20 Section 3.1. Possession, Use and Release of Collateral ...................22 Section 3.1. Company's Right of Possession ................................22 Section 3.2. Disposition of Certain Trade Property ........................22 Section 3.3. Release of Trade Property ....................................23 Section 3.4. Release of Collateral - Loss, Damage to or Destruction of the Collateral and Prepayment of the Notes........................24 Section 3.5. Eminent Domain................................................24 Section 4. Application of Insurance and Certain Other Moneys Received by the Collateral Agent..........................................24 Section 4.1. Insurance Proceeds and Condemnation Awards....................24 Section 4.2. Title Insurance...............................................25 Section 4.3. Other Proceeds................................................26 Section 4.4. Application if Event of Default Exists .......................26 Section 4.5. Investment of Collateral .....................................26 Section 5. Defaults and Remedies THEREFOR ...............................26 -i- TABLE OF CONTENTS (CONTINUED) Page Section 5.1. Events of Default ............................................26 Section 5.2. Remedies .....................................................26 Section 5.3. Application of Proceeds ......................................30 Section 5.4. Waiver of Extension, Appraisement and Stay Laws ..............30 Section 5.5. Effect of Discontinuance of Proceedings ......................31 Section 5.6. Delay or Omission Not a Waiver ...............................31 Section 5.7. Costs and Expenses of Foreclosure ............................31 Section 5.8. Notes to Become Due Upon Sale by Collateral Agent ............31 Section 5.9. Remedies Subject to Applicable Law ...........................32 Section 6. Miscellaneous.................................................32 Section 6.1. Successors and Assigns ......................................32 Section 6.3. Addresses for Notices and Demands.............................32 Section 6.4. Headings and Table of Contents ...............................32 Section 6.5. Release.......................................................32 Section 6.6. Counterparts..................................................33 Section 6.7. Agency........................................................33 Section 6.8. Substitute Trustee ...........................................33 Section 6.9. Governing.....................................................33 Section 6.10. Time..........................................................34 Section 6.11. Future Advances ..............................................34 Section 6.12. Waiver of Jury Trial ........................................ 34 Section 6.13. Special California Provisions ................................34 -ii- THIS DEED OF TRUST, SECURITY AGREEMENT, ASSIGNMENT OF RENTS AND FIXTURE FILING dated as of APRIL 19, 2002 (the or this "DEED OF TRUST"), is from THE CHALONE WINE GROUP, LTD., a California corporation (the "COMPANY"), having its principal office at 621 Airpark Road, Napa, California 94558, to North American Title Company ("TRUSTEE'), for the benefit of C66PERATIEVE CENTRALE RAIFFEISENBOERENLEENBANK B.A., "RABOBANK INTERNATIONAL, NEW YORK BRANCH, in its capacity as Collateral Agent for the ratable benefit of the Secured Parties under and pursuant to that certain Intercreditor and Collateral Agency Agreement (together with its permitted successors and assigns, the "COLLATERAL AGENT') whose post office address is 245 Park Avenue, New York, New York 10167. RECITALS: A. Reference is made to those separate and several Note Purchase Agreements, each dated as of September 15, 2000 (collectively, the "ORIGINAL NOTE AGREEMENTS"), entered into by the Company with each of the Purchasers listed on Schedule A thereto (collectively, the "NOTEHOLDERS "), under and pursuant to which the Noteholders purchased $5,000,000 8.75% Senior Guaranteed Notes, Series A, due September 15, 2010, $10,000,000 Senior Guaranteed Notes, Series B, due September 15, 2010 and $15,000,000 Senior Guaranteed Notes, Series C, due September 15, 2010 (collectively, the "ORIGINAL SENIOR NOTES') of the Company. The Company has requested that the Noteholders amend and restate the Original Note Agreements, amend and restate the Original Senior Notes, and the Noteholders are willing to enter into and execute those certain Amended and Restated Note Purchase Agreements each dated April 19, 2002 (as the same may hereafter be amended, modified and/or restated from time to time, collectively, the "AMENDED AND RESTATED NOTE AGREEMENTS ") and are willing to amend and restate the Original Senior Notes pursuant to the terms thereof (as so amended, the "AMENDED AND RESTATED SENIOR SECURED NOTES "), on the condition (among others) that the Company enter into this Deed of Trust. B. Reference is hereby made to that certain Credit Agreement dated as of April 19, 2002 (as the same may hereafter be amended, modified and/or restated from time to time, the "CREDIT AGREEMENT") by and among the Company, Cooperatieve Centrale RaiffeisenBoerenleenbank B.A., "Rabobank International," New York Branch, as administrative agent (the "AGENT ") and the lenders from time to time party thereto (the "LENDERS ") under and pursuant to which the Lenders have extended term loans and revolving loans to the Company and made available a letter of credit subfacility and swingline loans and which loans are evidenced by, among other things, certain promissory notes (collectively, the "CREDIT AGREEMENT NOTES "). C. Pursuant to the Intercreditor and Collateral Agency Agreement dated as of April 19, 2002, as the same may be amended, modified or restated from time to time, (the "INTERCREDITOR AND AGENCY AGREEMENT "), entered into by the Noteholders, the Company, the Lenders, the Agent and the Collateral Agent, the Agent was appointed as collateral agent to act on behalf of the Secured Parties (as hereinafter defined) regarding the Collateral (as hereinafter defined), the obligations of the Company to the Noteholders under the Amended and Restated Note Agreements and the Amended and Restated Senior Secured Notes and the obligations of the Company to the Lenders and the Agent under the Credit Agreement and the Credit Agreement Term Notes, are to be secured by this Deed of Trust. D. All principal, premium and interest and all fees and additional amounts and other sums at any time due and owing from and all other obligations of any nature of the Company now or hereafter existing, or required to be paid by the Company under the terms of the Amended and Restated Senior Secured Notes, the Amended and Restated Note Agreements, the Credit Agreement, the Credit Agreement Notes, the Intercreditor and Agency Agreement, this Deed of Trust, or any other document, mortgage or security agreement executed and delivered by the Company pursuant to the Amended and Restated Note Agreements, the Credit Agreement or the Intercreditor and Agency Agreement and any extensions, renewals or modifications of any of the above are hereinafter sometimes referred to as the "SECURED OBLIGATIONS ". E. The Company is duly authorized under all applicable provisions of law, its charter and bylaws, to issue the Amended and Restated Senior Secured Notes and the Credit Agreement Notes and to execute and deliver this Deed of Trust and to mortgage, convey, assign and grant a security interest in the Collateral (as hereinafter defined) to the Trustee, its successors and assigns, for the benefit of the Collateral Agent, and its successors and assigns as security for the Secured Obligations and all corporate action and all consents, approvals and other authorizations and all other acts and things necessary to make this Deed of Trust the valid, binding and legal instrument for the security of the Secured Obligations have been done and performed. Now, THEREFORE, THIS DEED OF TRUST WITNESSETH that the Company, in consideration of the premises, the purchase and acceptance of the Amended and Restated Secured Notes by the Noteholders and of the Credit Agreement Notes by the Lenders, and of the sum of Ten Dollars received by the Company from the Trustee and the Collateral Agent and other good and valuable consideration, receipt whereof is hereby acknowledged, and in order to secure the payment of all of the Secured Obligations, does hereby warrant, mortgage, pledge, assign, bargain, hypothecate, convey, grant, transfer, grant a first perfected security interest in and set over unto the Trustee, and its successors and assigns in trust, with power of sale and right of entry, for the benefit of and as an agent for the Collateral Agent, its successors and assigns, all of its estate, right, title and interest in and to all and singular the following described properties, rights, interest and privileges and all of the Company's estate, right, title and interest therein, thereto and thereunder, if any (all of which properties hereby mortgaged, assigned, pledged and in which a first perfected security interest has been granted or intended so to be are hereinafter collectively referred to as the "COLLATERAL"): GRANTING CLAUSE FIRST COLLATERAL The parcels of land in Monterey County in the State of California described in Annex A attached hereto and made a part hereof ("LAND'), together with the entire interest of the Company in and to all buildings, structures, improvements and appurtenances now standing, or at any time hereafter constructed or placed, upon such land, including all right, title and interest of the Company, if any, in and to all building material, building equipment and fixtures of every kind and nature whatsoever on said land or in any building, structure or improvement now or -2- hereafter standing on said land which are classified as fixtures under applicable law and which are used in connection with the operation, maintenance or protection of said buildings, structures and improvements as such (including, without limitation, all boilers, air conditioning, ventilating, plumbing, heating, lighting and electrical systems and apparatus, all communications equipment and intercom systems and apparatus, all sprinkler equipment and apparatus and all elevators and escalators) and the reversion or reversions, remainder or remainders, in and to said land, and together with the entire interest of the Company in and to all and singular the tenements, hereditaments, easements, rights of way, rights, privileges and appurtenances to said land, belonging or in anywise appertaining thereto, including, without limitation, the entire right, title and interest of the Company in, to and under any streets, ways, alleys, gores or strips of land adjoining said land, and all claims or demands whatsoever of the Company either in law or in equity, in possession or expectancy, of, in and to said land, it being the intention of the parties hereto that, so far as may be permitted by law, all property of the character hereinabove described, which is now owned or is hereafter acquired by the Company and is affixed or attached or annexed to said land, shall be and remain or become and constitute a portion of said land and the security covered by and subject to the Lien of this Deed of Trust, together with all accessions, parts and appurtenances appertaining or attached thereto and all substitutions, renewals or replacements of and additions, improvements, accessions and accumulations to any and all thereof, and together with all rights, powers, privileges, options and other benefits of the Company, as lessor, under any leases including the right to collect any and all rents, profits or other income and the present and continuing right to make claim for, collect, receive and receipt for any and all of such rents, profits or other income (all of which properties are hereinafter referred to as the "REAL PROPERTY "). The assignment of rents set forth in the proceeding sentence is intended by the parties hereto to be effective to create a present security interest in all existing and future rents, profits or other income arising from or related to the Land under California Civil Code Section 2938, as amended from time to time. GRANTING CLAUSE SECOND TRADE PROPERTY All materials, furniture, furnishings, machinery, fixtures and equipment now or hereafter erected on or affixed to the Collateral and including, but not limited to, all heating, plumbing, lighting, water heating, cooking, laundry, refrigerating, incinerating, communications, ventilating and air conditioning equipment, building signs, disposals, dishwashers, telephone systems, sprinkler systems, fire extinguishing apparatus and equipment, water tanks, engines, machines, boilers, dynamos, stokers, elevators, motors, cabinets, shades, blinds, partitions, window screens, screen doors, storm windows, awnings, drapes, rugs and other floor coverings, furniture, furnishings, radios and television sets and wiring and antennae therefor, and all fixtures, accessions and appurtenances thereto, and all renewals or replacements of or substitutions for any of the foregoing, together with all other goods, equipment, furnishings, fixtures, machinery and furniture owned by the Company now or hereafter attached or affixed to or used in and about the building or buildings now erected or hereafter to be erected on the Collateral, or otherwise located on the Collateral, and all fixtures, accessions and appurtenances thereto, and all renewals or replacements of or substitutions for any of the foregoing (all of which properties are hereinafter referred to as "TRADE PROPERTY "). GRANTING CLAUSE THIRD -3- CONDEMNATION AWARDS AND PAYMENTS All judgments, awards of damages, settlements and other compensation heretofore or hereafter made resulting from condemnation proceedings or the taking of the Collateral or any part thereof or any improvements now or at any time hereafter located thereon or any easement or other appurtenance thereto under the power of eminent domain, or any similar power or right (including any award from the United States Government at any time after the allowance of the claim therefor, the ascertainment of the amount thereof and the issuance of the warrant for the payment thereof), whether permanent or temporary, or for any damage (whether caused by such taking or otherwise) to said Collateral or any part thereof or the improvements thereon or any part thereof, or to any rights appurtenant thereto, including severance and consequential damage, and any award for change of grade of streets (collectively, "CONDEMNATION AWARDS "). GRANTING CLAUSE FOURTH Subject to the satisfaction in full of all indebtedness outstanding under the Revolving Credit Agreement Notes, a collateral security interest in all of the Company's right, title and interest in and to the General Intangibles related to the Collateral (as defined in the Credit Agreement) of the Company. GRANTING CLAUSE FIFTH PROCEEDS All proceeds of the conversion, voluntary or involuntary, of any of the foregoing into cash or other liquidated claims, including, without limitation, all proceeds and payments of insurance related to the Collateral. EXCEPTED PROPERTY There is, however, to the extent included in the Lien and operation of this Deed of Trust, expressly excepted and excluded from the Lien and operation of this Deed of Trust, and expressly excepted and excluded from the Collateral, the Credit Agreement Collateral of the Company, now owned or hereafter acquired (herein called "EXCEPTED PROPERTY "). SUBJECT HOWEVER, as to all property or rights in property at any time subject to the Lien hereof (whether now owned or hereafter acquired), to Permitted Encumbrances, as DEFINED IN SECTION 1 hereof. To HAVE AND To HOLD the Collateral unto the Trustee and the successors and assigns forever, in trust, with power of sale for the purpose of securing performance of each agreement, covenant and warranty of the Company contained in the Amended and Restated Note Agreements, the Amended and Restated Senior Secured Notes, the Credit Agreement, the Credit Agreement Term Notes, the Intercreditor and Agency Agreement, this Deed of Trust, and the other Security Documents and payment of the Secured Obligations. It is understood and agreed -4- that this Deed of Trust is to secure the obligation of the Company to repay, without preference or priority, all Secured Obligations. PROVIDED, NEVERTHELESS, and these presents are upon the express condition that if the Company performs the covenants herein contained and the Secured Obligations are paid in full and all other sums due or payable hereunder, under the Amended and Restated Note Agreements, the Credit Agreement, the Intercreditor and Agency Agreement or under the other Security Documents, the estate, right and interest of the Trustee in the property hereby conveyed and granted a first perfected security interest in shall cease and this Deed of Trust shall become null and void, but otherwise to remain in full force and effect. It is agreed and understood by the parties hereto that: 1. The Secured Obligations are also secured by the other Security Documents. The other Security Documents are intended to and shall constitute security for the entire indebtedness represented by the Amended and Restated Senior Secured Notes, the Credit Agreement Term Notes and all other Secured Obligations without allocation. 2. Any part of the Collateral, and any other security described in the other Security Documents or any other mortgage or other instrument now or hereafter given to secure the Secured Obligations, may be released pursuant to the terms of the Security Documents, or by or at the direction of the Secured Parties without affecting the Lien hereof on the Collateral and any Person acquiring any direct or indirect interest in the Collateral or in any collateral described in the other Security Documents or any other mortgage, deed of trust, or other instrument now or hereafter given to secure the Secured Obligations shall take the same subject to all of the provisions hereof. 3. The Company for itself and all who may claim through or under it waives to the extent permitted by law any and all right to have the property and estates comprising the Collateral or any other property of the Company constituting security for the Secured Obligations marshaled upon any foreclosure of the Lien hereof, or to have the Collateral hereunder and the property covered by any other mortgage or deed of trust securing the Secured Obligations marshaled upon any foreclosure of any of said mortgages or deeds of trust, and agrees that any court having jurisdiction to foreclose such Lien may order the Collateral sold as an entirety. 4. Upon the occurrence and during the continuance of an Event of Default hereunder the Collateral Agent has, among other things, the right to foreclose on the Collateral and dispose of the same, in accordance with applicable law. The Trustee's deed (if permitted by law) or Sheriffs deed or other instrument of conveyance, transfer or release (which, if permitted by law, may be executed by the Collateral Agent in its own name or as attorney-in-fact for the Company and the Collateral Agent is hereby irrevocably appointed attorney-in-fact for the Company to, in the event that an Event of Default hereunder shall have occurred and be continuing, so execute such deed or other instruments of conveyance, transfer or release) shall be effective (if all prerequisites required by law have been accomplished) to convey and transfer to the grantee an -5- indefeasible title to the property covered thereby, discharged of all rights of redemption (to the extent permitted by law) by the Company or any Person claiming under it, and to bar forever all claims by the Company or the Trustee or the Collateral Agent to the property covered thereby and no grantee from the Trustee, the Collateral Agent, or Sheriff shall be under any duty to inquire as to the authority of the Trustee, the Collateral Agent, or Sheriff to execute the same, or to see to the application of the purchase money. 5. This Deed of Trust constitutes a financing statement filed as a fixture filing under UCC ss. 9502(4)(c) in the official records of the county in which the Collateral is located with respect to any and all fixtures included within the term "Collateral" and with respect to any goods or other personal property that may now be or hereafter become such a fixture. PARTS OF THE PERSONAL PROPERTY ARE, OR ARE TO BECOME, FIXTURES ON THE PROPERTY. (a) Company and Collateral Agent agree that the filing of a financing statement in the records normally having to do with personal property shall never be construed as in any way derogating from or impairing this Deed of Trust and the intention of the parties that everything used in connection with the production of income from the Collateral or adapted for use therein or which is described or reflected in this Deed of Trust is, and at all times and for all purposes and in all proceedings both legal or equitable shall be regarded as, part of the real estate subject to the lien hereof, irrespective of whether (i) any such item is physically attached to improvements located on such real property or (ii) any such item is referred to or reflected in any financing statement so filed at any time. Similarly, the mention in any such financing statement of (A) the rights in or the proceeds of any fire or hazard insurance policy or (B) any award in eminent domain proceedings for taking or for loss of value or for any cause of action or proceeds thereof in connection with any damage or injury to the Collateral or any part thereof shall never be construed as in any way altering any of the rights of Collateral Agent as determined by this instrument or impugning the priority of Collateral Agent's lien granted hereby or by any other recorded document, but such mention in such financing statement is declared to be for the protection of Collateral Agent in the event any court shall at any time hold with respect to the matters set forth above that notice of Collateral Agent's priority of interest, to be effective against a particular class of persons, including, without limitation, the federal government and any subdivision or entity of the federal government, must be filed in the personal property records or other commercial code records. (b) It is understood and agreed that, in the event that (A) Company intends to purchase any goods which may become fixtures to the Collateral, or any part thereof (except as permitted under Section 10.04(e) of the Credit Agreement and Section 10.09 of the Amended and Restated Note Agreement), and (B) such goods will be subject to a security interest held by a seller or any other party (other than Permitted Liens), Company shall, before executing any security agreement or other document evidencing such security interest, obtain the prior written approval of Collateral Agent, and all requests for such written approval shall be in writing and contain the following information: -6- (i) A description of the Collateral to be replaced, added to, installed or substituted; (ii) The address at which the Collateral will be replaced, added to, installed or substituted; and (iii) The name and address of the proposed holder and proposed amount of the security interest; and any failure of Company to obtain such approval shall be a material breach of Company's covenants under this Deed of Trust, and shall, at the option of Collateral Agent, entitle Collateral Agent to all rights and remedies provided for herein upon default. No consent by Collateral Agent pursuant to this paragraph shall be deemed to constitute an agreement to subordinate any right of Collateral Agent in fixtures or other property covered by this Deed of Trust. SECTION 1. DEFINITIONS. The following terms shall have the following meanings for all purposes of this Deed of Trust: "ACCOUNT", "CHATTEL PAPER", "DOCUMENTS"; "EQUIPMENT", "GENERAL INTANGIBLES", "INSTRUMENTS", "INVENTORY", "PATENTS", "SECURITIES", "TRADEMARKS" AND "TRADENAMES " SHALL each have the meaning set forth in the Uniform Commercial Code. "ADVANCE OVERDUE RATE" shall mean that rate of interest that is the lesser of (a) the highest amount allowed by law and (b) the sum of (i) the greatest of (1) the Series A Adjustable Rate, (2) the Series B Adjustable Rate and (3) the Series C Adjustable Rate, plus (ii) 2%. "AGENT" shall mean Cooperative Centrale Raiffeisen - Boerenleenbank B.A. "Rabobank International", New York branch, as agent for the Lenders. "AMENDED AND RESTATED NOTE AGREEMENTS" shall have the meaning assigned thereto in the Recitals hereof. "AMENDED AND RESTATED SENIOR SECURED NOTES " SHALL have the meaning assigned thereto in the Recitals hereof. "BUSINESS DAY" means any day other than a Saturday, Sunday, or other day on which banks in San Francisco, California or New York, New York are required by law to close or are customarily closed. "CERCLA " SHALL mean the Comprehensive Environmental Response, Compensation, and Liability Act of 1980, as amended. -7- "CLOSING DATE" shall have the meaning assigned thereto in the Intercreditor and Agency Agreement. "COLLATERAL" shall have the meaning assigned thereto in the paragraph immediately preceding the Granting Clause First hereof. "COLLATERAL AGENT " SHALL have the meaning assigned thereto in the Intercreditor and Agency Agreement. "COMPANY" shall mean The Chalone Wine Group, Ltd., a California corporation, and its successors and assigns. "CONDEMNATION AWARDS" shall have the meaning assigned thereto in Granting Clause Third hereof. "CREDIT AGREEMENT " SHALL have the meaning assigned thereto in the Recitals hereof. "CREDIT AGREEMENT COLLATERAL" shall mean all "Collateral" as defined in the Credit Agreement Security Agreement, including without limitation, the following assets of the Company, as each such capitalized tern is defined in the Credit Agreement Security Agreement: (a) all Accounts; (b) all Inventory; (c) all Operating Accounts of the Company and all funds certificates, Documents, Instruments, checks, drafts, wire transfer receipts, and other earnings, profits or other Proceeds from time to time representing, evidencing, deposited into, or held in the Operating Accounts; (d) all Margin Accounts of the Company, the initial and maintenance margin maintained in any Margin Accounts, the credit balances therein and all Instruments, securities entitlements, money and other investment property held therein and all other funds and other earnings, profits or other Proceeds from time to time representing, evidencing, deposited into or held in the Margin Accounts; (e) all Chattel Paper, Instruments, Documents, Payment Intangibles and other General Intangibles evidencing title to, or the right to possession of, arising from the sale or other disposition of, necessary for or used in connection with, the production, manufacture, sale or other disposition of, or otherwise relating to or arising from or in connection with the property described in clauses (a) through (d) above; and (f) all other products and Proceeds,in cash or otherwise, of any of the property described in the foregoing clauses (a)through (e) above. "CREDIT AGREEMENT NOTES " SHALL have the meaning assigned thereto in the Recitals hereof. -8- "CREDIT AGREEMENT SECURITY AGREEMENT" shall mean the Security Agreement dated as of April 19, 2002 by and among the Company, the Agent and certain lenders as such agreement may be amended or modified in accordance with its terms. "DEFAULT" shall mean any event which would constitute an Event of Default if all requirements in connection therewith for the giving of notice, the lapse of time and the happening of any further condition, event or act had been satisfied. "ENVIRONMENTAL CLAIM "shall mean all claims, however asserted, by any Governmental Authority or other Person alleging potential liability or responsibility for violation of any Environmental Law, or for release or injury to the environment. "ENVIRONMENTAL LAW shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "EVENT OF DEFAULT" shall have the meaning specified in SECTION 5.1 hereof. "EXCLUDED TAXES " SHALL have the meaning specified in SECTION 2.1 hereof. "GAAP" shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "GOVERNMENTAL APPROVALS " SHALL mean any written permit, license, variance, certification, consent, no action letter, clearance, exemption or other approval granted by a Governmental Authority. "GOVERNMENTAL AUTHORITY" shall mean any international, foreign, federal, state, regional, county, local or other governmental authority. "HAZARDOUS SUBSTANCE shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "IMPOSITIONS" shall have the meaning assigned thereto in SECTION 2.7(a) hereof. "INDEBTEDNESS shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "INTERCREDITOR AND AGENCY AGREEMENT" shall have the meaning assigned thereto in the Recitals hereof. "LENDERS" shall have the meaning assigned thereto in the paragraph immediately preceding the Recitals hereof. "LIEN " SHALL mean any interest in property securing an obligation owed to, or a claim by, a Person other than the owner of the property, whether such interest is based on the common law, statute or contract, and including but not limited to the security interest lien arising from a mortgage, encumbrance, pledge, conditional sale or trust receipt or a lease consignment or bailment for security purposes. The term "Lien" shall include reservations, exceptions, -9- encroachments, easements, rights-of-way, covenants, conditions, restrictions, leases and other title exceptions and encumbrances (including, with respect to stock, stockholder agreements, voting trust agreements, buy-back agreements and all similar arrangements) affecting property. "MAKE WHOLE PREMIUM " SHALL have the meaning assigned thereto in the Amended and Restated Note Agreements. "MATERIAL ADVERSE EFFECT" shall mean a material adverse effect on (a) the properties, business, prospects, profits or condition (financial or otherwise) of the Company and their respective Subsidiaries taken as a whole, or (b) the ability of the Company to perform their respective obligations contained in the Operative Agreements, or (c) the validity or enforceability of the Operative Agreements, or (d) the validity or perfection of the security interests granted under and pursuant to the Security Documents. "MORTGAGED PROPERTY" shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "NOTE DOCUMENTS " SHALL mean the Amended and Restated Note Agreements, the Amended and Restated Senior Secured Notes, the Intercreditor and Agency Agreement, this Deed of Trust and all other mortgages, security agreements, documents, certificates and instruments relating to, arising out of, or in any way connected therewith or any of the transactions contemplated thereby. "NOTES" and "NOTE" shall mean the Amended and Restated Senior Secured Notes and the Credit Agreement Term Notes, collectively. "OFFICER'S CERTIFICATE " shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "OPERATIVE AGREEMENTS" shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "ORIGINAL NOTE AGREEMENTS" shall have the meaning assigned thereto in the Recitals hereof. "PERMITTED INVESTMENTS" MEANS any of the following Dollar denominated investments, maturing within one year from the date of acquisition, selected by the Company: (a) marketable direct obligations issued or unconditionally guaranteed by the United States government or issued by any agency thereof and backed by the full faith and credit of the United States; (b) marketable direct obligations issued by any state of the United States or any political subdivision of any such state or any public instrumentality thereof and, at the time of acquisition, having the highest credit rating obtainable from either S&P or Moody's; (c) commercial paper or corporate promissory notes bearing at the time of - 10- acquisition the highest credit rating either of S&P or Moody's issued by United States, Australian, Canadian, European or Japanese bank holding companies or industrial or financial companies (other than an Affiliate of the Company or any Guarantor); (d) certificates of deposit issued by and bankers acceptances of and interest bearing deposits with any Lender, or with any United States, Australian, Canadian, European or Japanese commercial banks having capital and surplus of at least $500,000,000 or the equivalent and which issues (or the parent of which issues) commercial paper or other short term securities bearing the highest credit rating obtainable from either S&P or Moody's; and (e) money market funds organized under the laws of the United States or any state thereof that invest solely in any of the foregoing investments permitted under clauses (a), (b), (c) and (d). "PERMITTED LIENS " shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "PERSON " shall mean an individual, partnership, limited liability company, corporation, trust or unincorporated organization, or a government or agency or political subdivision thereof. "RCRA " shall mean the Resource Conservation and Recovery Act, as amended. "REPLACEMENT ITEMS OF TRADE PROPERTY" shall have the meaning assigned thereto in SECTION 3.3(A)(I) hereof. "RESPONSIBLE OFFICER" shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "SECURED OBLIGATIONS" shall have the meaning assigned thereto in Recitals hereof. "SECURED PARTIES " shall mean the Lenders and the holders from time to time of the Notes. "SECURITY DOCUMENTS " shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "SUBSIDIARY " shall have the meaning assigned thereto in the Amended and Restated Note Agreements. "TRADE PROPERTY" shall have the meaning assigned thereto in Granting Clause Second of this Deed of Trust. "TRUSTEE " shall have the meaning assigned thereto in the paragraph immediately preceding the Recitals hereof. "UNIFORM COMMERCIAL CODE" shall mean the Uniform Commercial Code as in effect in the State of California, as amended. -11- SECTION 2. GENERAL COVENANTS AND WARRANTIES. The Company covenants, warrants and agrees as follows: SECTION 2.1. AGREEMENT AND DEED OF TRUST COVENANTS. Each and all of the terms, provisions, restrictions, covenants and agreements set forth in the Amended and Restated Note Agreements, the Credit Agreement and the Intercreditor and Agency Agreement and in each and every supplement thereto or amendment thereof which at any time or from time to time may be executed and delivered by the parties thereto or their successors and assigns, to the extent then in effect, are incorporated herein by reference to the same extent as though each and all of said terms, provisions, restrictions, covenants and agreements were fully set out herein and as though any amendment or supplement to the Amended and Restated Note Agreements, the Credit Agreement or the Intercreditor and Agency Agreement was fully set out in an amendment or supplement to this Deed of Trust; and the Company does hereby covenant and agree well and truly to abide by, perform and be governed and restricted by each and all of the matters provided for by the Amended and Restated Note Agreements, the Credit Agreement and the Intercreditor and Agency Agreement and so incorporated herein to the same extent and with the same force and effect as if each and all of said terms, provisions, restrictions, covenants and agreements so incorporated herein by reference were set out and repeated herein at length. Without limiting the foregoing, the Company covenants and agrees to pay all taxes, assessments and governmental charges or levies imposed upon this Deed of Trust or the Secured Obligations (other than income and franchise taxes of the Trustee, the Collateral Agent, or of the Secured Parties (the "EXCLUDED TAXES ")) to the extent provided in the documents set forth above. If any such sums shall be advanced by the Trustee, the Collateral Agent, or any Secured Party, they shall bear interest, shall be paid and shall be secured as provided in SECTION 2.9 hereof. SECTION 2.2. OWNERSHIP OF COLLATERAL. The Company covenants and warrants that it has fee simple title to the Collateral and good and marketable title to the other Collateral hereinbefore conveyed to the Trustee free and clear of all liens, charges and encumbrances whatever except Permitted Encumbrances, and the Company has full right, power and authority to convey, transfer, mortgage and grant a first perfected security interest in the same to the Trustee for the uses and purposes in this Deed of Trust set forth; and the Company will warrant and defend the title to the Collateral against all claims and demands whatsoever except Permitted Encumbrances. SECTION 2.3. FURTHER ASSURANCES. The Company will, at its own expense, do, execute, acknowledge and deliver all and every further reasonable act, deed, conveyance, transfer and assurance necessary or proper for (a) the better assuring, conveying, assigning and confirming unto the Collateral Agent all of the Collateral, or property intended so to be, whether now owned or hereafter acquired and (b) the perfection of the first security interest (subject to the Permitted Exceptions) provided for in the Collateral whether now owned or hereafter acquired. The Collateral Agent, as secured party, may file one or more financing statements disclosing its security interest in any or all of the Collateral with the Company's signature appearing thereon. The Company also hereby grants the Collateral Agent, as such secured party, a power of attorney to execute any such financing statement, or amendments and supplements to financing statements, on behalf of the Company without notice thereof to the Company, which -12- power of attorney is coupled with an interest and is irrevocable until the Secured Obligations have been fully satisfied. SECTION 2.4. PAYMENT OF PRINCIPAL, PREMIUM AND INTEREST. The Company will duly and punctually pay the principal of, and premium and interest on all Notes secured hereby according to the terms thereof. SECTION 2.5. MAINTENANCE OF COLLATERAL, OTHER LIENS, COMPLIANCE WITH LAWS, ENVIRONMENTAL MATTERS, ETC. Without limiting the provisions of the Amended and Restated Note Agreements, the Credit Agreement and the Intercreditor and Agency Agreement, (a) The Company shall (1) subject to SECTION 3.2, PROMPTLY repair, restore, replace or rebuild any material buildings, improvements or Trade Property now or hereafter on the Collateral which may become damaged or be destroyed, (2) keep the Collateral in good condition and repair, ordinary wear and tear excepted, without waste, and free from all claims, liens, charges and encumbrances (except for taxes not yet delinquent and claims, liens, charges and encumbrances that are being contested under and in compliance with SECTION 2.7(C) hereof) other than Permitted Encumbrances, (3) pay when due any indebtedness which may be secured by a Lien or charge on the Collateral and upon request provide satisfactory evidence of the discharge of such Lien to the Collateral Agent (unless such payment is being contested under and in compliance with SECTION 2.7(E) hereof), (4) comply with all requirements of law or municipal ordinances, including without limitation all Environmental Laws, with respect to the Collateral and the use thereof, failure to comply with which would be reasonably likely to result in any material interference with the use or operation of the Collateral by the Company or would materially adversely affect the assets, business, operations, income or condition (financial or otherwise) of the Company and its Subsidiaries, taken as a whole, and (5) make no material alterations in said Collateral except as required by law or municipal ordinance; PROVIDED that the Company may make such other material alterations so long as such alterations are completed in compliance with the requirements of paragraphs (b) and (c) of this SECTION 2.5. (b) The Company may, at its expense, (1) construct upon the Collateral additional buildings, structures, drainage systems, irrigation systems, trellises, and other improvements and (2) install, assemble and place upon the Collateral any items of Trade Property, signs, furniture, furnishings, equipment, machinery and other tangible personal property used or useful in the Company's business, in each case upon compliance with the provisions of paragraph (a) of this SECTION 2.5. All such buildings, structures and other improvements shall be and remain part of the realty and shall be subject to this Deed of Trust with respect thereto. (c) Any repair, restoration, rebuilding, substitution, replacement, modification, alteration of or addition to the Collateral pursuant to SECTION 2.5(B) hereof must not materially impair the market value, structural integrity or usefulness of the Collateral for use in the ordinary course of business; shall be performed in a good and workmanlike manner and be expeditiously completed in compliance in all material respects with all laws, ordinances, orders, rules, regulations and requirements applicable thereto, failure to comply with which could be reasonably likely to result in any material interference with the use or operation of the Collateral by the Company or would materially adversely affect the assets, business, operations, income or condition (financial or otherwise) of the Company and its Subsidiaries, taken as a whole, -13- including to the extent necessary to maintain in full force and effect the policies of insurance required by SECTION 2.6 hereof. All costs and expenses of each such repair, restoration, rebuilding, substitution, replacement, the discharge of all liens filed against the Collateral arising out of the same, together with all costs and expenses necessary to obtain any permits or licenses required in connection therewith shall be promptly paid by the Company (except to the extent such costs and expenses are being contested under and in compliance with SECTION 2.7(C) hereof). (d) The Company: (1) shall, as soon as reasonably practicable, maintain the Collateral in compliance in all respects with any applicable Environmental Law, except such failures to comply as would not reasonably be likely to result in a Material Adverse Effect; (2) shall obtain and maintain in full force and effect all Governmental Approvals required for its operations at or on the Collateral by any applicable Environmental Law, except for such Governmental Approvals the failure to obtain or maintain which would not be reasonably likely to have a Material Adverse Effect; (3) as soon as reasonably practicable, cure any violation of applicable Environmental Laws by any Person at the Collateral, except such failures to cure as would not reasonably be likely to result in a Material Adverse Effect; (4) shall not, and shall not permit any other Person to, own or operate on the Collateral any (i) landfill or dump or (ii) hazardous waste treatment, storage or disposal facility as defined pursuant to RCRA or any comparable state law; (5) shall not use, generate, treat, store, release or dispose Hazardous Substances at or on the Collateral except in the ordinary course of its business and in compliance with Environmental Laws, except such use, generation, treatment, storage, release or disposal of Hazardous Substances at or on the Collateral as would not reasonably be likely to result in a Material Adverse Effect; (6) shall within twenty (20) Business Days notify the Collateral Agent in writing of and provide any reasonably requested documents upon learning of any of the following which arise in connection with the Collateral: (A) any liability for response or corrective action, natural resource damage or other harm pursuant to CERCLA, RCRA or any comparable state law which is reasonably likely to result in a Material Adverse Effect; (B) any Environmental Claim which is reasonably likely to result in a Material Adverse Effect; (C) any violation of an Environmental Law or release or disposal of a Hazardous Substance which is reasonably likely to result in a Material Adverse Effect; -14- (D) any restriction on the ownership, occupancy, use or transferability of the Collateral arising pursuant to any (i) release, threatened release or disposal of a Hazardous Substance or (ii) Environmental Law which is reasonably likely to result in a Material Adverse Effect; or, (E) any other environmental, natural resource, health or safety condition, which would reasonably be expected to have a Material Adverse Effect; and, (7) at its expense, will conduct any investigation, study, sampling and testing, and undertake any cleanup, removal, remedial or other response action necessary to remove, clean up or abate any material quantity of Hazardous Substance released or disposed at or on the Collateral as required by any applicable Environmental Law and any binding order or directive from a Governmental Authority having jurisdiction, except to the extent the Company is reasonably contesting any Environmental Law or any order or directive from a Governmental Authority, so long as (i) such contest is in good faith and by appropriate proceedings, (ii) adequate reserves are maintained in accordance with GAAP and (iii) no forfeiture will result from a failure to comply with the contested requirement. (e) The Company at its own expense and at the reasonable written request of the Collateral Agent shall provide reasonably expeditiously an environmental report of reasonable scope, form and depth by a consultant reasonably acceptable to the Collateral Agent as to any matter for which notice is required to be provided pursuant to SECTION 2.5(D)(7) above or which may reasonably be believed by the Collateral Agent to form the basis of a material Environmental Claim in connection with the Collateral. If such a requested environmental report is not delivered within seventy-five (75) days after receipt of the Collateral Agent's request, then the Collateral Agent may arrange for same, and the Company hereby grants to the Collateral Agent and its representatives access to the Collateral and a license to undertake such an assessment. The reasonable cost of any assessment arranged for by the Collateral Agent pursuant to this provision will be payable by the Company on demand and added to the obligations secured by the Security Documents. (f) The Company may use and operate the Collateral for any lawful purpose not inconsistent with the provisions of the Amended and Restated Note Agreements or the Credit Agreement. (g) In accordance with California Code of Civil Procedure Section 726.5, Collateral Agent may waive its lien against the Collateral or any portion thereof, to the extent such property is found to be environmentally impaired, and may exercise any and all rights and remedies of an unsecured creditor against Company and all of Company's assets and property for the recovery of any deficiency, including, without limitation, seeking an attachment order under California Code of Civil Procedure Section 483.010. No such waiver shall be final or binding on Collateral Agent unless and until a final money judgment is obtained against Company. As between Collateral Agent and Company, for purposes of California Code of Civil Procedure Section 726.5, Company shall have the burden of proving that the release or threatened release was not knowingly or negligently caused or contributed to, or knowingly or willfully permitted or -15- acquiesced to by Company or any related party (or any affiliate or agent of Company or any related party) and that Company made written disclosure thereof to Collateral Agent or that Collateral Agent otherwise obtained actual knowledge thereof prior to the making of the Credit Agreement. Notwithstanding anything to the contrary contained in the Deed of Trust or any of the Security Documents, Company shall be fully and personally liable for all judgments and awards entered against Company pursuant to California Code of Civil Procedure 726.5 and such liability shall not be limited by the original principal amount of the obligations secured by this Deed of Trust. Company's obligations hereunder shall survive the foreclosure, deed in lieu of foreclosure, release, reconveyance or any other transfer of the Collateral or this Deed of Trust. For the purposes of any action brought under this Deed of Trust, Company hereby waives the defense of laches and any applicable statute of limitations. For purposes of California Code of Civil Procedure 726.5, the acts, knowledge and notice of each "726.5 Party" shall be attributed to and be deemed to have been performed by the party or parties then obligated on or liable for payment of the Indebtedness. As used herein, "726.5 Party" shall mean Company, any partner thereof, any successor owner to Company of all or any portion of the Collateral, any related party of Company or any such successor and any affiliate or agent of Company, any such successor or any such related party. SECTION 2.6. INSURANCE. The Company will maintain, and will cause each Subsidiary to maintain, insurance coverage with financially sound and reputable domestic insurers in such forms and amounts and against such risks as are customary for companies of established reputation engaged in the same or a similar business and owning and operating similar properties as the Collateral. Without limiting the foregoing, the Company agree that they will, to the extent available, continuously maintain the following described policies of insurance: (i) Property insurance, including business interruption insurance, against loss and damage by all risks of physical loss or damage, including fire, windstorm, builders risk (including construction and repair period coverage) and other risks covered by the so called "all risks" form of property insurance policy with replacement cost endorsements (excluding therefrom flood and earthquake coverage); PROVIDED, HOWEVER, that the amount of such insurance with respect to the Collateral shall not at any time be less than a blanket limit of $70,000,000 in the aggregate; and PROVIDED FURTHER that such insurance POLICY SHALL provide that NOT more than $1,000,000 may be deductible FROM the LOSS payable with respect to any casualty; (ii) fiduciary liability insurance with such terms as are customary for companies of established size and reputation engaged in substantially the same business as the Company and similarly situated; PROVIDED, HOWEVER, that the amount of such insurance shall not be less than $1,000,000; and PROVIDED, FURTHER, that such insurance shall provide with respect to the Company that not more than $100,000 may be deductible from any loss payable and that with respect to individuals that not more than $100,000 may be deductible from any loss payable with respect to any casualty; (iii) surety bonds (securing leases, permits franchises, taxes, notary public, judicial and other bonds) in amounts and with such terms as are customary for companies of established size and reputation engaged in substantially the same business as the Company and similarly situated; -16- (iv) workers compensation insurance and employer's liability insurance, for all employees of the Company engaged on or with respect to any of the Collateral and with such terms as are customary for companies of established size and reputation engaged in substantially the same business as the Company and similarly situated, or if such limits are established by law, in such amounts; (v) boiler and machinery insurance covering pressure vessels, air tanks, boilers, machinery, pressure pipings, heating air conditioning and elevator equipment and escalator equipment, PROVIDED the improvements contain equipment of such nature and insurance against loss or occupancy or use arising from any such breakdown, in such amounts and with such terms as are customary for companies of established size and reputation engaged in substantially the same business as the Company and similarly situated; (vi) insurance insuring against public liability for loss or damage (including bodily injury) to the Persons or Property of others from such risks and in such amounts as are customary for companies of established size and reputation engaged in substantially the same business as the Company and similarly situated (including construction and repair period coverage); PROVIDED, HOWEVER, that in no event shall the amount of such insurance be less than an aggregate of $15,000,000 under single limit liability for such loss; and provided, further, that such Insurance policy shall provide that not more than $1,000,000 may be deductible from any loss payable; and (vii) other insurance against such risks as is customary to be carried by companies of established size and reputation engaged in substantially the same business as the Company and similarly situated and owning Properties in the state in which the Collateral is located. (b) Form of Policies. Any insurance policies carried in accordance with this SECTION 2.6 shall be written by companies of recognized international or national standing authorized to do business in the State of California and: (i) shall with respect to the insurance described in clauses (i) and (vi) above, name the Trustee, the Collateral Agent and each Noteholder and each Bank AS an additional insured, as their interests may appear, (ii) in the case of policies covering loss or damage to the Collateral, shall provide that such losses, if any, shall be payable solely to the Collateral Agent under a standard mortgagee clause reasonably satisfactory to the Collateral Agent, (iii) shall provide that the Trustee's and Collateral Agent's interest shall be insured regardless of any breach or violation by the Company of any warranties, declarations or conditions contained in such policies, (iv) as to the interest of the Trustee and the Collateral Agent therein, shall not be invalidated by the use or operation of the Collateral for purposes which are not permitted by such policies, nor by any foreclosure or other proceedings relating to the Collateral, (v) except with respect to the insurance described in clause (iv) of SECTION 2.6(A), the insurers shall waive any right of subrogation of the insurers to any set-off or counterclaim or any other deduction, whether by attachment or otherwise, in respect of any liability of the Company, (VI) if any premium or installment is not paid when due, or if such insurance would lapse or be cancelled, terminated or materially changed for any reason whatsoever shall provide that the insurers WILL promptly notify the Collateral Agent and any such lapse, cancellation, termination or change shall not be effective as to the Trustees for thirty days after receipt of such -17- notice, and (vii) appropriate certification shall be made to the Collateral Agent by each insurer with respect thereto. Provided no Default or Event of Default has occurred or is continuing, the loss, if any, under any policy pertaining to loss by reason of damage to or destruction of any portion of any of the Collateral shall be adjusted with the insurance companies by the Company, subject to the approval of the Collateral Agent if the loss exceeds $1,500,000; PROVIDED that such approval shall not unreasonably be withheld or delayed. The loss so adjusted shall be paid to the Collateral Agent pursuant to said loss payable clause unless said loss is $1,500,000 or less in which case said loss shall be paid directly to the Company unless a Default or Event of Default has occurred and is continuing, in which event any such loss shall be paid to the Collateral Agent. The Company shall furnish the Collateral Agent with certificates or other satisfactory evidence of MAINTENANCE OF the insurance required hereunder and, with respect to any renewal policy or policies, shall furnish certificates evidencing such renewal not less than 30 days prior to the expiration date of the original policy or renewal policies or if not so available, immediately upon the receipt thereof, and shall furnish insurance binders evidencing such renewal immediately upon receipt thereof. All such policies shall provide that the same shall not be cancelled without at least 30 days' prior written notice to the Collateral Agent and the Company. Upon the request of Trustee, Collateral Agent or any Secured Party, the Company shall furnish the Collateral Agent from time to time with full INFORMATION AS to the insurance carried by it and, if so requested, copies of all such insurance policies. The Company shall also furnish to Collateral Agent from time to time upon the request of the Trustee, Collateral Agent or any Secured Party a certificate of the Company's insurance broker or other insurance specialist stating that all premiums then due on the policies relating to insurance on the Collateral have been .paid, that such policies are in full force and effect and that such insurance coverage and such policies comply with all the requirements of this subsection. Receipt of notice of termination or cancellation of any such insurance policies or reduction of coverages or amounts thereunder shall entitle the Collateral Agent to renew any such policies, cause the coverages and amounts thereof to be maintained at levels required pursuant to this Section 2.6 or otherwise to obtain similar insurance in place of such policies, in each case at the expense of the Company. SECTION 2.7. PAYMENT OF TAXES AND OTHER CHARGES; CONTESTS THEREOF. (a) Subject to SECTION 2.7(C) BELOW, and without limiting the provisions of the Amended and Restated Note Agreements and the Credit Agreement, the Company will pay and discharge, before the same shall become delinquent, together with interest and penalties thereon, if any, (1) all taxes, assessments (INCLUDING ASSESSMENTS for benefits from public works or improvements whenever begun or completed), levies, fees, water and sewer rents and charges, and all other governmental charges, general and special, ordinary and extraordinary, and whether or not within the contemplation of the parties hereto, which are at any time levied upon or assessed against it or the Collateral or any part thereof or upon this Deed of Trust or the Secured Obligations secured hereby, or upon the revenues, rents, issues, income and profits in respect of the Collateral, or arising in respect of the occupancy, use or possession thereof, but excluding the Excluded Taxes, which failure to pay would result in the creation of a Lien upon the Collateral or any part thereof, or upon the revenues, rents, issues, income and profits of the Collateral or in the diminution thereof or would result in any material interference with the use or operation of the -18- Collateral by the Company, (2) all corporate franchise, excise and other taxes, fees and charges assessed, levied or imposed in respect of its corporate existence or its right to do business in any state, (3) all income, excess profits, excise, sales, franchise, gross receipts and other taxes, duties or imposts, whether of alike or different nature, assessed, levied or imposed by any Governmental Authority on it or the Collateral, or any portion thereof, or upon the revenues, rents, issues, income and profits of the Collateral whether or not the failure to pay any such tax, duty or impost might result in the creation of a Lien upon any asset of the Company or the Collateral or any part thereof or upon the revenues, rents, issues, income and profits of the Collateral or in the diminution thereof, and whether or not any such tax, duty or impost is payable directly by the Company or is subject to withholding at the source and (4) all lawful claims and demands of mechanics, laborers, materialmen and others which, if unpaid, might result in the creation of a Lien on the Collateral or upon the revenues, rents, issues, income and profits of the Collateral and, in general, will do or cause to be done everything necessary so that the Lien hereof shall be fully preserved, at the cost of the Company, without expense to the Trustee or the Collateral Agent (all of which taxes, assessments, levies, fees and other governmental or non-governmental charges, claims and demands of like nature are hereinafter referred to as "IMPOSITIONS"). The Company shall discharge any claim or Lien relating to Impositions upon the Collateral. (b) The Company will pay when due all utility charges which are incurred by the Company for the benefit of the Collateral or which may become a charge or Lien against the Collateral for gas, electricity, water or sewer services furnished to the Collateral and all other assessments or charges of a similar nature, whether public or private, affecting the Collateral or any portion thereof, whether or not such taxes, assessments or charges are or may become Liens thereon. (C) CONTEST. Without limiting the provisions of the Amended and Restated Note Agreements and the Credit Agreement, and always subject to the terms and conditions thereof, the Company may, in good faith and with reasonable diligence and by appropriate proceedings diligently prosecuted, contest or cause to be contested the validity or amount of any such Impositions, PROVIDED that: (1) such contest shall have the effect of preventing (i) any sale, forfeiture OR loss of the Collateral or any part thereof or interest therein to satisfy the same and (ii) any material interference with the value, use or occupancy of the Collateral or any part thereof; and (2) the Company shall have established with respect to such Impositions (and any attendant penalties or late fees) reserves deemed by it to be adequate with respect thereto. SECTION 2.8. LIMITATION ON LIENS. The Company will not create or incur or suffer to be incurred or to exist, any mortgage, pledge, security interest, encumbrance, charge or other Lien of any kind upon the Collateral, whether now owned or hereafter acquired, or upon any income or proceeds therefrom, except Permitted Encumbrances and except for those exceptions noted on the policies of title insurance delivered to the Trustee and the Collateral Agent on the Closing Date. -19- SECTION 2.9. ADVANCES. If the Company shall fail to comply with the covenants contained herein or contained in the Amended and Restated Note Agreements, the Credit Agreement, the Intercreditor and Agency Agreement or the other Note Documents and incorporated herein by reference, the Trustee or the Collateral Agent, without waiving any Default or Event of Default or releasing any obligation, may (but shall be under no obligation to) at any time thereafter after five Business Days' prior written notice to the Company make such payment or perform such act for the account and at the expense of the Company, and may enter upon the Collateral or any part thereof for such purpose and take all such action thereon as, in the opinion of the Trustee, may be necessary or reasonably appropriate therefore. All sums so paid by the Trustee or the Collateral Agent, and all costs and expenses (including, without limitation, reasonable attorneys' fees and expenses) so incurred, together with interest thereon at the Advance Overdue Rate from the date of payment or incurrence, shall be secured hereby and shall be paid by the Company to the Collateral Agent on demand. The Collateral Agent in making any payment authorized under this SECTION 2.9 relating to taxes or assessments may do so according to any bill, statement or estimate procured from the appropriate public office without inquiry into the accuracy of such bill, statement or estimate or into the validity of any tax assessment, sale, forfeiture, tax Lien or title or claim thereof. The Collateral Agent, in performing any act hereunder, shall be the sole judge of whether the Company is required to perform the same under the terms of this Deed of Trust and no such advance shall be deemed to relieve the Company from any default hereunder. SECTION 2.10. RECORDATION. The Company will, at its own expense, cause this Deed of Trust and all supplements hereto and any financing statements and continuation statements required by the Uniform Commercial Code or other law in respect thereof at all times to be kept recorded and filed at its own expense in such manner and in such places as may be required by law in order to fully preserve and protect the rights of the Trustee and the Collateral Agent hereunder. SECTION 2.11. AFTER-ACQUIRED PROPERTY. Any and all property hereafter acquired which is of the kind or nature described in the Granting Clauses hereof and is or is intended to become a part thereof, shall IPSO FACTO, and without any further conveyance, assignment or act on the part of the Company or the Trustee or the Collateral Agent become and be, subject to the Lien and first perfected security interest OF this Deed of Trust as fully and completely as though specifically described herein; but nevertheless the Company shall from time to time, if requested by the Trustee or the Collateral Agent, execute and deliver any and all such further assurances, conveyances and assignments thereof as the Trustee or the Collateral Agent may reasonably require for the purpose of expressly and specifically subjecting to the Lien and first perfected security interest of this Deed of Trust any and all such property, subject to Permitted Encumbrances. In the event the Company acquires a material leasehold estate in any property which is of the kind or nature described in the Granting Clauses hereof, such leasehold estate shall be made subject to a lien and first perfected security interest in favor of the Trustee by means of the Company's execution and delivery of a leasehold mortgage and security agreement in form and substance reasonably satisfactory to the Trustee and the Collateral Agent. The Company agrees that in the event the Company acquires a leasehold estate as described in this SECTION 2.11, the Company will use commercially reasonable efforts to promptly obtain from the subject lessor an agreement for the benefit of the Trustee and the Collateral Agent, INTER ALIA, providing that the lessor will give the Trustee and the Collateral Agent written notice of any -20- defaults under the subject lease together with the option to cure such defaults and providing for such other requirements as the Collateral Agent may reasonably request. SECTION 2.12. INDEMNIFCATION; WAIVER OF OFFSET SET (a) If the Trustee or the Collateral Agent is made a party defendant to any litigation concerning this Deed of Trust or the Collateral or any part thereof or interest therein, then the Company shall indemnify, defend and hold the Trustee or the Collateral Agent harmless from all liability by reason of said litigation, including reasonable attorneys' fees and expenses incurred by the Trustee or the Collateral Agent in any such litigation, whether or not any such litigation is prosecuted to judgment. If the Trustee or the Collateral Agent commences an action against the Company to enforce any of the terms hereof or because of the breach by the Company of any of the terms hereof, or for the recovery of any of the Secured Obligations, the Trustee or the Collateral Agent shall have its reasonable attorneys' fees and expenses paid by the Company. If the Trustee or the Collateral Agent is a party to any discussion or negotiations relating to any amendment, waivers or consents to the Amended and Restated Senior Secured Notes, the Credit Agreement Term Notes, the Amended and Restated Note Agreements, the Credit Agreement, the Intercreditor and Agency Agreement, this Deed of Trust or the other Note Documents, or relating to any loan modification, recasting, settlement or other agreement relating to the Secured Obligations, then the Company shall indemnify, defend and hold the Trustee or the Collateral Agent harmless from all liability, costs and expenses incurred in connection therewith, including reasonable attorneys' fees and expenses. (b) All sums payable by the Company hereunder shall be paid without notice, demand, counterclaim, setoff, deduction or defense and without abatement, suspension, deferment, diminution or reduction, and the obligations and liabilities of the Company hereunder shall in no way be released, discharged or otherwise affected (except as expressly provided herein) by reason of (i) any damage to or destruction of or any condemnation or similar taking of the Collateral or any part thereof; (ii) any restriction or prevention of or interference with any use of the Collateral or any part thereof; (iii) any title defect or encumbrance on the Collateral or any part thereof by title paramount or otherwise; (iv) any bankruptcy, insolvency, reorganization, composition, adjustment, dissolution, liquidation or other like proceeding relating to the Trustee or the Collateral Agent, or any action taken with RESPECT to this Deed OF Trust by any trustee OR receiver of the Trustee or the Collateral Agent, or by any court, in any such proceeding; (v) any claim which the Company has or might have against the Trustee or the Collateral Agent; (vi) any default or failure on the part of the Trustee or the Collateral Agent to perform or comply with any of the terms hereof or of any other agreement with the Company; or (vii) any other occurrence whatsoever, whether similar or dissimilar to the foregoing; whether or not the Company shall have notice or knowledge of any of the foregoing. Except as expressly provided herein, the Company waives to the extent permitted by law all rights now or hereafter conferred by statute or otherwise to any abatement, suspension, deferment, diminution or reduction of any of the Secured Obligations payable by the Company. (c) The Company shall, at its sole expense, indemnify, defend (with attorneys, consultants and experts reasonably acceptable to the Collateral Agent), and hold the Trustee and the Collateral Agent harmless from and against any and all liens, damages, losses, liabilities, obligations, settlement payments, penalties, assessments, citations, directives, claims, litigation, -21- demands, defenses, judgments, suits, proceedings, costs, disbursements or expenses of any kind or of any nature whatsoever which may at any time be imposed upon, incurred by or asserted or awarded against the Trustee and Collateral Agent or the Collateral, (including, without limitation, those arising out of or attributed, directly or indirectly, to or resulting from any and all negligent acts or omissions of Trustee or Collateral Agent, whether caused by the sole negligence of Trustee or Collateral Agent or by the concurrent negligence of Trustee or Collateral Agent), and arising prior to the Collateral Agent's obtaining title to the Collateral through foreclosure or other like proceedings, directly or indirectly from or out of (i) the presence, release or threat of release of any Hazardous Substance on, in, under or affecting all or any portion of the Collateral or any surrounding areas, regardless of whether or not caused by or within control of the Company; (ii) the violation of any Environmental Laws relating to or affecting the Collateral, caused by the Company; (iii) the failure by the Company to comply fully with the terms and conditions of THIS SECTION 2.12(C); (iv) the breach of any representation or warranty contained in this Deed of Trust or the Note Agreements relating to matters covered by this SECTION 2.12(C); or (v) the enforcement of this SECTION 2.12(C), including, without limitation, the cost of assessment, containment and/or removal of any and all Hazardous Substances from all or any portion of the Collateral or any surrounding areas, the cost of any actions taken in response to the presence, release or threat of release of any Hazardous Substance on, in, under or affecting any portion of the Collateral or any surrounding areas to prevent or minimize such release or threat of release so that it does not migrate or otherwise cause or threaten danger to present or future public health, safety, welfare or the environment, and costs incurred to comply with the Environmental Laws in connection with all or any portion of the Collateral or any surrounding areas; except, in each case, to the extent arising out of the gross negligence or willful misconduct of the Trustee or Collateral Agent. The indemnity set forth in this SECTION 2.12(C) shall also include any diminution in the value of the security afforded by the Collateral or any future reduction in the sales price of the Collateral by reason of any matter set forth in this SECTION 2.12(C). The Company's obligations under this SECTION 2.12(C) shall survive payment in full of the indebtedness secured hereby and shall be in addition to all other rights of Trustee and the Collateral Agent under this Deed of Trust, the Amended and Restated Note Agreements, the Credit Agreement, the Amended and Restated Senior Secured Notes, the Credit Agreement Notes and the Intercreditor and Agency Agreement. SECTION 3 POSSESSION, USE AND RELEASE OF COLLATERAL. SECTION 3.1. COMPANY'S RIGHT OF POSSESSION. Provided no Event of Default hereunder has occurred and is continuing, the Company shall be suffered and permitted to remain in full possession, enjoyment and control of the Collateral subject always to the observance and performance of the terms of this Deed of Trust, the Amended and Restated Note Agreements, and the Credit Agreement. SECTION 3.2. DISPOSITION OF CERTAIN TRADE PROPERTY The Company, so long as no Event of Default hereunder has occurred and is continuing and subject to the provisions of SECTION 3.3 hereof in connection with each replacement, shall have full power, from time to time, in its discretion, and without any action by or notice to the Trustee or the Collateral Agent, to sell, exchange, or otherwise dispose of, any item of Trade Property, at any time subject to the security interest hereof pursuant to the terns of the Amended and Restated Note Agreements and the Credit Agreement or which may have become worn out, unserviceable, obsolete or -22- unnecessary for use in the conduct of its business; PROVIDED HOWEVER, THAT with respect to any worn out, unserviceable, obsolete or unnecessary Trade Property except where such item is, in the ordinary course of business, unnecessary to the conduct of its business, the Company shall contemporaneously replace the same with, or substitute for the same, other items of Trade Property having a value and utility at least equal to that of the items of Trade Property so replaced, which shall forthwith become, without further action, subject to the security interest of this Deed of Trust. SECTION 3.3, RELEASE OF TRADE PROPERTY (a) The Trustee or the Collateral Agent, so long as no Event of Default hereunder exists, shall execute a release of its security interest hereunder as to the items of Trade Property which the Company has replaced or otherwise disposed of under SECTION 3.2 hereof (1) upon the written notice of the Company in the event such Trade Property has an estimated fair market value in the good faith judgment of the Company of less than $1,500,000 which notice shall (i) reference this SECTION 3.3, (ii) estimate the fair market value of the Trade Property replaced or otherwise disposed of and (iii) request such release, or (2) for all other Trade Property, upon: (i) receipt of an Officer's Certificate (A) stating that no Event of Default exists, (B) describing in reasonable detail the newly acquired items of Trade Property (the "REPLACEMENT ITEMS OF TRADE PROPERTY") replacing the old items of Trade Property, (C) stating that, except where such item is, in the ordinary course of business, unnecessary to the conduct of its business, the Replacement Items of Trade Property are in as good operating condition as, and have a value, utility and useful life at least equal to that of the items of Trade Property so replaced, and (D) stating that the Company has good title to the Replacement Items of Trade Property, free of all Liens other than Permitted Encumbrances; (ii) execution and delivery of a Deed of Trust and Security Agreement Supplement and any necessary financing statements subjecting the Replacement Items of Trade Property to the lien of this Deed of Trust, but only such supplement or financing statement as shall be necessary to subject such Replacement Items of Trade Property to the lien and first perfected security interest (subject to the Permitted Encumbrances) of this Deed of Trust; (iii) receipt of evidence that such Deed of Trust and Security Agreement Supplement and financing statements have been recorded, registered and filed as may be deemed reasonably necessary by counsel for the Trustee and the Collateral Agent in order to preserve and protect the rights of the Collateral Agent as to all property comprising the Collateral; and (iv) if the fair market value of the Replacement Items of Trade Property equal or exceed $8,000,000, receipt of an opinion of counsel reasonably satisfactory to the Trustee or Collateral Agent to the effect that the Company's right, title and interest in and to the Replacement Items of Trade Property, are either subject to the lien of this Deed of Trust, or that such Deed of Trust and Security Agreement Supplement and any necessary financing statements have been recorded, registered and filed in such manner and in such -23- places as may be required by law to preserve and protect the Trustee and the Collateral Agent as to all property comprising the Collateral (including, without limitation, the Replacement Items of Trade Property). (b) No purchaser in good faith of an item of Trade Property shall be bound to inquire into the authority of the Company to sell such item of Trade Property, or the authority of the Trustee or the Collateral Agent to execute a release of its security interest, under the terms hereof. SECTION 3.4. RELEASE OF COLLATERAL -- LOSS, DAMAGE TO OR DESTRUCTION OF THE COLLATERAL AND PREPAYMENT OF THE NOTES. Upon the occurrence of any material loss, damage to or destruction of the Collateral, the Company shall give the Trustee and the Collateral Agent, within 30 days after the occurrence thereof, written notice of such loss, damage or destruction. Such notice shall generally describe the nature and extent of the loss, damage to or destruction of the Collateral and shall include a detailed estimate of the cost of repair or replacement of such damaged or destroyed Collateral. In the case of any loss, damage to or destruction of the Collateral which results in a prepayment of the Notes in accordance with the provisions of SECTION 4.1 hereof, the Trustee or the Collateral Agent shall execute a release in respect of the damaged or destroyed Collateral upon receipt of such prepayment in full. All determinations of the cost of repair or replacement of the Collateral hereof shall be made by the Company in good faith and shall be evidenced by the delivery of an Officer's Certificate or a resolution of the Board of Directors of the Company certifying the accuracy and reasonableness of such determination. In making such determinations, the Company shall base such calculations on engineer's, architect's or other objective criteria, including insurance estimates of cost of repair, as shall be reasonably consulted in good faith by the Company. SECTION 3.5. EMINENT DOMAIN. The Company, immediately upon obtaining knowledge of the institution of any proceeding for the condemnation of the Collateral or any portion thereof, shall notify the Collateral Agent of the pendency of such proceeding. The Collateral Agent may participate in any such proceeding, and the Company from time to time will deliver or cause to be delivered to the Collateral Agent all instruments requested by it to permit such participation. Any award or compensation payable to the Company on account of such condemnation proceeding, if any, shall be paid to the Collateral Agent, and such award of compensation shall be retained by the Collateral Agent as part of the Collateral and applied in accordance with SECTION 4.1(A) OR SECTION 4.1(B) hereof. The Collateral Agent shall be under no obligation to question the amount of the award of compensation and, without limiting the Company's right to adjust such award, the Collateral Agent may accept any such award of compensation. In any such condemnation proceedings the Collateral Agent may be represented by counsel. The reasonable costs of counsel shall be paid by the Company. SECTION 4. APPLICATION OF INSURANCE AND CERTAIN OTHER MONEYS RECEIVED BY THE COLLATERAL AGENT. SECTION 4.1. INSURANCE PROCEEDS AND CONDEMNATION AWARDS. The amounts received by or payable to the Collateral Agent from time to time which constitute insurance proceeds in respect of any damage to or destruction of the Collateral or any part thereof or -24- Condemnation Awards or compensation covering the Collateral (less the actual costs, fees and expenses incurred in the collection thereof) shall be held by the Collateral Agent as part of the Collateral and shall be applied by the Collateral Agent, subject to the terms of the Intercreditor and Agency Agreement, as set forth below (Company hereby unconditionally and irrevocably waives all rights of a property owner under the provisions of California Code of Civil Procedure ss. 1265.225(a), or any successor statute, providing for the allocation of condemnation proceeds between a property owner and a lienholder): (a) In case of any loss, damage to, destruction or condemnation of the Collateral or any part thereof for which the total cost of repair or replacement is less than $1,500,000, such proceeds shall be paid over to the Company and the Company shall have the right and the option, so long as no Event of Default hereunder has occurred and is continuing, to use the net insurance proceeds, Condemnation Awards or other compensation from such loss, damage to, destruction or condemnation of the Collateral for either (i) the repair or replacement of such Collateral so lost, damaged, destroyed or condemned, so long as such repair or replacement is commenced within 180 days of the receipt by the Company of such insurance proceeds or condemnation award and the Collateral Agent has received written evidence satisfactory to the Collateral Agent demonstrating that the collateral lost, damaged or destroyed will be replaced or restored to substantially the same market value and condition immediately prior to the loss, damage to, destruction or condemnation of or other event giving rise to the payment of such proceeds; or (ii) the reduction of the Secured Obligations (whether or not then due) in accordance with and pursuant to the terms and provisions of the Intercreditor and Agency Agreement including, without limitation, the payment of the Make Whole Premium, as applicable; and (b) In case of any loss, damage to or destruction of the Collateral or any part thereof for which the total cost of repair or replacement is greater than or equal to $1,500,000, the net insurance proceeds, Condemnation Awards or other compensation from such loss, damage to, destruction or condemnation of the Collateral shall be placed in a separate escrow account and 180 days thereafter shall be applied by the Collateral Agent to the reduction of the Secured Obligations (whether or not then due) in accordance with and pursuant to the terns and provisions of the Intercreditor and Agency Agreement including, without limitation, the payment of the Make Whole Premium, if applicable; PROVIDED, HOWEVER, that the Collateral Agent agrees, subject to the immediately following sentence, to release such insurance proceeds to the Company for replacement or restoration of the portion of the Collateral so lost, damaged or destroyed if, but only if, (i) no Event of Default hereunder has occurred and is continuing at the time of release, (ii) written application for such release signed by the President or any Vice President of the Company is received by the Collateral Agent within 180 days of the placement of such proceeds in escrow and (iii) the Collateral Agent has received evidence reasonably satisfactory to the Collateral Agent demonstrating that the Collateral lost, damaged or destroyed has been or will be replaced or restored to substantially the same market value and condition immediately prior to the loss, damage to, destruction or condemnation of or other event giving rise to the payment of such insurance proceeds. All insurance proceeds and Condemnation Awards shall be subject to the lien and security interest of the Collateral Agent hereunder. In the case of any repair or replacement of the Collateral for which the cost exceeds $8,000,000, the Collateral Agent shall receive a supplement hereto sufficient, as shown by an opinion of counsel (which may be counsel for the Company) to grant a valid first Lien and first perfected security interest (subject to Permitted Encumbrances) in any additions to or substitutions for the -25- Collateral to or for the benefit of the Collateral Agent, which opinion shall also cover the filing and/or recording of such supplement (and a financing statement or similar notice thereof if and to the extent permitted or required by applicable law) so as to perfect the Lien and security interest in such additions or substitutions, or in the alternative an opinion that no such supplement is required for such purpose. SECTION 4.2. TITLE INSURANCE. Any moneys received by the Trustee or the Collateral Agent as payment for any loss under any policy of title insurance which was delivered by the Company shall become part of the Collateral. SECTION 4.3. OTHER PROCEEDS. Any other moneys received by the Collateral Agent in connection with the release of the Collateral shall be held by the Collateral Agent as part of the Collateral and shall be applied by the Collateral Agent upon the terms and in the manner provided in SECTION 5.3 hereof. SECTION 4.4. APPLICATION IF EVENT of DEFAULT EXISTS. If an Event of Default hereunder has occurred and is continuing, all amounts received by the Collateral Agent under this Deed of Trust, including without limitation, all amounts held pursuant to SECTION 4.5 hereof, shall be applied in the manner PROVIDED FOR IN SECTION 5.3 hereof in respect of proceeds and avails of the Collateral. SECTION 4.5. INVESTMENT OF COLLATERAL. All monies held by the Collateral Agent hereunder as Collateral shall be invested and reinvested by the Collateral Agent at the direction of the Company in one or more Eligible Investments. The Collateral Agent shall not in any way be held liable by reason of any insufficiency of such invested Collateral resulting from any loss on any Eligible Investment included therein. All interest earned on such Eligible Investments shall be held by the Collateral Agent as Collateral hereunder and shall be invested and reinvested pursuant to this SECTION 4.5. SECTION 5. DEFAULTS AND REMEDIES THEREFOR. SECTION 5.1. EVENTS OF DEFAULT. The Company acknowledges and agrees, without limitation, that each and all of the terms and provisions of Section 11 of the Amended and Restated Note Agreements and Article XI of the Credit Agreement, have been and are incorporated into this Deed of Trust by reference to the same extent as though fully set out herein and that the term Event of Default wherever used in this Deed of Trust shall mean either: (a) an Event of Default as defined in the Amended and Restated Note Agreements or the Credit Agreement, as the case may be, or (b) the failure of the Company to comply with any covenant, agreement or warranty contained in this Deed of Trust within 30 days after the earlier of the date that (1) the Collateral Agent shall have given written notice thereof to the Company, or (2) such failure shall first become actually known to a Responsible Officer of the Company; PROVIDED, HOWEVER, that if the Company shall be diligently proceeding to correct such failure but shall be unable to correct such failure within 30 days, then such period shall continue for an additional 60 days if at the end of the initial 30-day period it can be reasonably expected that such failure can be corrected within such 60 additional days and the Company shall continue to proceed diligently to correct such failure during such additional 60 day period. -26- SECTION 5.2. REMEDIES. When any Event of Default hereunder has occurred and is continuing and pursuant to the terms and conditions of the Amended and Restated Note Agreements or the Credit Agreement, the Collateral Agent or Trustee may exercise any one or more or all, and in any order, of the remedies hereinafter set forth, it being expressly understood that no remedy herein or in the Amended and Restated Note Agreements or the Credit Agreement conferred is intended to be exclusive of any other remedy or remedies; but each and every remedy shall be cumulative and shall be in addition to every other remedy given herein or now or hereafter existing at law or in equity or by statute: (a) Subject to compliance with the terms and provisions of the Intercreditor and Agency Agreement, the Noteholders and the Lenders may, by notice in writing to the Company, declare the entire unpaid balance of the Amended and Restated Senior Secured Notes and the Credit Agreement Notes, respectively, to be immediately due and payable; and thereupon all outstanding principal, together with all accrued interest thereon and premium, if any, and all other fees or other amounts payable with respect thereto shall be and become immediately due and payable. (b) Subject to the terms and conditions of the Intercreditor and Agency Agreement, the Collateral Agent, personally or by agents or attorneys may, to the extent permitted by law, enter into and take possession of all or any part of the Collateral, and may forthwith use, operate and manage the Collateral, collect the earnings and income therefrom, pay all charges including taxes and assessments levied thereon and operating and maintenance expenses and all disbursements and liabilities of the Company hereunder and apply the net proceeds arising from any such operation of the Collateral as provided in SECTION 5.3 hereof in respect of the proceeds of a sale of the Collateral. The right to enter and take possession of the Collateral and use any personal property therein, to manage, operate and conserve the same, and to collect the rents, issues and profits thereof, shall be in addition to all other rights or remedies of the Collateral Agent hereunder or afforded by law (including, without limitation the rights of Collateral Agent set forth in California Civil Code Section 2938), and may be exercised concurrently therewith or independently thereof. The expenses (including any reasonable receiver's fees, reasonable counsel fees, costs and agent's compensation) incurred pursuant to the powers herein contained shall be secured hereby and the Company promises to pay all such expenses upon demand together with interest thereon at the Advance Overdue Rate. The Collateral Agent shall not be liable to account to the Company for any action taken pursuant hereto other than to account for any rents actually received by the Collateral Agent. Without taking possession of the Collateral, the Collateral Agent may, in the event the Collateral becomes vacant or is abandoned, take such reasonable steps as it deems appropriate to protect and secure the Collateral (including hiring watchmen therefor) and all costs incurred in so doing shall constitute additional Secured Obligations payable upon demand with interest thereon at the Advance Overdue Rate. (c) Subject to the terms and conditions of the Intercreditor and Agency Agreement, the Trustee may, if at the time such action may be lawful and always subject to compliance with any mandatory legal requirements, either with or without taking possession and either before or after taking possession, and without instituting any legal proceedings whatsoever, and having first given notice of such sale to the Company at least 30 days prior to the date of such sale and having given any other notice which may be required by law, sell and dispose of said Collateral or any part thereof at public auction or private sale to the highest bidder, which may be a -27- Noteholder, in one lot as an entirety or in separate lots (the Company for itself and for all who may claim by, through or under it hereby expressly waiving and releasing all rights to have the Collateral marshaled to the extent permitted by law), and either for cash or on credit and on such terms as the Trustee may determine and at the place required by law. Any such sale or sales may be adjourned from time to time by announcement at the time and place appointed for such sale or sales or for any such adjourned sale or sales, without further published notice. Company waives all rights to direct the order in which any of the Collateral will be sold in the event of any sale under this Deed of Trust. In the case of a sale under this Deed of Trust, the said property, real, personal and mixed, may be sold in one parcel or more than one parcel. Should Collateral Agent desire that more than one such sale or other disposition be conducted, Collateral Agent may, at its option, cause the same to be conducted simultaneously, or successively on the same day, or at such different days or times and in such order as Collateral Agent may deem to be in its best interest. Any person, including Company, Trustee or Collateral Agent, may purchase at the sale. Upon any sale, Trustee shall execute and deliver to the purchaser or purchasers a deed or deeds conveying the property so sold, but without any covenant or warranty whatsoever, express or implied, whereupon such purchaser or purchasers shall be let into immediate possession. Collateral Agent, from time to time before the trustee's sale pursuant to this paragraph, may rescind any notice of breach or default and of election to cause to be sold the Collateral by executing and delivering to Trustee a written notice of such rescission, which notice, shall also constitute a cancellation of any prior declaration of default and demand for sale. The exercise by Collateral Agent of such right of rescission shall not constitute a waiver of any breach or default then existing or subsequently occurring or impair the right of Collateral Agent to execute and deliver to Trustee, as above provided, other declarations of default and demand for sale, and notices of breach or default, the obligations hereof, nor otherwise affect any provision, covenant or condition of the Operative Agreements and/or this Deed of Trust or any of the rights, obligations or remedies of the parties thereunder or hereunder. (d) Subject to the terms and conditions of the Intercreditor and Agency Agreement, the Collateral Agent may proceed to protect and enforce its rights by a suit or suits in equity or at law, or for the specific performance of any covenant or agreement contained herein or in the Amended and Restated Note Agreements or the Credit Agreement, or in aid of the execution of any power herein or therein granted, or for the foreclosure of this Deed of Trust, or for the enforcement of any other appropriate legal or equitable remedy. Upon the bringing of any suit to foreclose this Deed of Trust or to enforce any other remedy available hereunder, the plaintiff shall be entitled as a matter of right, without notice and without giving bond to the Company or anyone claiming under, by or through it, and without regard to the solvency or insolvency of the Company or the then value of the premises, to apply to an appropriate court to have a receiver appointed of all the Collateral and of the earnings, income, rents, issues, profits and proceeds thereof, with such power as the court making such appointment shall confer, and the Company does hereby irrevocably consent to such appointment. It is understood and agreed upon by the Company and the Collateral Agent that this Deed of Trust may be foreclosed upon simultaneously in one or more jurisdictions. (e) Subject to the terms and conditions of the Intercreditor and Agency Agreement, in case of any sale of the Collateral, or of any part thereof, pursuant to any judgment or decree of any court or otherwise in connection with the enforcement of any of the terms of this Deed of Trust, the Collateral Agent, the Lenders or the Noteholders may bid and become the purchaser, -28- and the purchaser or purchasers, for the purpose of making settlement for or payment of the purchase price, shall be entitled to TURN IN AND use the Notes and ANY claims for interest and premium matured and unpaid thereon, in order that there may be credited as paid on the purchase price the sum apportionable and applicable to the Notes, including principal and interest and premium thereof, out of the net proceeds of such sale after allowing for the proportion of the total purchase price required to be paid in actual cash. If at any foreclosure proceeding the Collateral shall be sold for a sum less than the total amount of indebtedness for which judgment is therein given, the Collateral Agent shall be entitled to the entry of a deficiency decree against the Company and against the property of the Company for the amount of such deficiency. (f) Subject to the terms and conditions of the Intercreditor and Agency Agreement, the Collateral Agent shall have any and all rights and remedies (including, without limitation, extra judicial power of sale) provided to a secured party by the Uniform Commercial Code with respect to any and all parts of the Collateral which are and which are deemed to be governed by the Uniform Commercial Code. Without limiting the generality of the foregoing, the Collateral Agent shall, with respect to any part of the Collateral constituting property of the type in respect of which realization on a Lien or security interest granted therein is governed by the Uniform Commercial Code, have all the rights, options and remedies of a secured party under the Uniform Commercial Code, including, without limitation, the right to the possession of any such property, or any part thereof, and the right peaceably to enter without legal process any premises where any such property may be found. Any requirement of said Uniform Commercial Code for reasonable notification shall be met by mailing written notice to the Company at its address set forth in SECTION 6.3 hereof at least 30 days prior to the sale or other event for which such notice is required. (g) Declare all sums secured by this Deed of Trust to be due and payable without further notice and commence a trustee's sale of the Property, and if the Collateral Agent shall so elect, the sale shall be conducted as follows: (1) The Collateral Agent shall deliver to Trustee a written declaration of default and demand for sale and a written notice of default and election to cause the Mortgaged Property to be sold, which notice Trustee shall cause to be filed for record. Collateral Agent shall also deposit with Trustee this Deed of Trust, the Credit Agreement Documents, the Note Documents, and all documents evidencing expenditures secured hereby. (2) After a lapse of such time as may then be required by law following the recordation of said notice of default, and notice of sale having been given as then required by law, Trustee, without demand on the Company, shall sell the Mortgaged Property at the time and place fixed by it in the notice of sale, either as a whole or in separate parcels, and in such order as it may determine, at public auction to the highest bidder for cash in lawful money of the United States, payable at time of sale. Trustee may postpone the sale of all or any portion of the Mortgaged Property by public announcement at such time and place of sale, and from time to time thereafter may postpone such sale by public announcement at the time fixed by the preceding postponement. Trustee shall deliver to such purchaser its deed conveying the Mortgaged Property so sold, but without any covenant or warranty, express or implied. The recitals -29- in such deed of any matters or facts shall be conclusive proof of the truthfulness thereof. (3) Any person, including the Company, the Trustee, the Collateral Agent, or any of the Noteholders or the Lenders, may purchase at any sale of the Property under this Deed of Trust, and if the Collateral Agent is the highest bidder, may credit the portion of the purchase price that would be distributed to the Collateral Agent against the indebtedness in lieu of paying cash. The proceeds of such sale shall be applied as provided in this Deed of Trust. (h) The Collateral Agent shall have any and all rights and remedies provided for in the Intercreditor and Agency Agreement and the Amended and Restated Note Agreements and the Credit Agreement. SECTION 5.3. APPLICATION OF PROCEEDS. The purchase money proceeds and/or avails of any sale of the Collateral, or any part thereof and the proceeds and the avails of any remedy hereunder shall be paid to and applied as follows: (a) FIRST, to the payment PRO RATA of costs and expenses of foreclosure or suit, if any, and of such sale, and to the extent permitted by applicable law, the reasonable compensation of the Collateral Agent's agents, attorneys and counsel, and of all proper expenses, liability and advances incurred or made hereunder by the Collateral Agent or such agents, attorneys and counsel, and of all taxes, assessments or liens superior to the Lien of these presents, except any taxes, assessments or other superior Lien subject to which said sale may have been made; and (b) SECOND, in accordance with the terms and conditions of the Intercreditor and Agency Agreement. SECTION 5.4. WAIVER OF EXTENSION, APPRAISEMENT AND STAY LAWS. The Company covenants that, upon the occurrence and the continuance of an Event of Default hereunder and the acceleration of the Notes pursuant to SECTION 5.2(A) hereof and to the extent that such rights may then be lawfully waived, it will not at any time thereafter insist upon or plead, or in any manner whatever claim or take any benefit or advantage of, any stay or extension law now or at any time hereafter in force, or claim, take or insist upon any benefit or advantage of or from any law now or hereafter in force providing for the valuation or appraisement of the Collateral or any part thereof prior to any sale or sales thereof to be made pursuant to any provision herein contained, or to the decree, judgment or order of any court of competent jurisdiction or, after confirmation of any such sale or sales claim or exercise any right under any statute now or hereafter made or enacted by any state or otherwise to redeem the property so sold or any part thereof, and hereby expressly waives for itself and on behalf of each and every Person who may claim under it, all benefit and advantage of any such law or laws which would otherwise be available to any such Person in connection with the enforcement of any of the Collateral Agent's remedies hereunder; and covenants that it will not in connection with any such enforcement proceedings invoke or utilize any such law or laws or otherwise hinder, delay or impede the execution of any power herein granted and delegated to the Collateral Agent but will suffer and permit the execution of every such power as though no such law or laws had been made or enacted. -30- The Company hereby waives any and all rights of redemption from sale under any order or decree of foreclosure pursuant to rights herein granted, on behalf of the Company, and each and every Person acquiring any interest in, or title to the Collateral described herein subsequent to the date of this Deed of Trust, and on behalf of all other Persons to the extent permitted by applicable law. Any sale, whether under any power of sale hereby given or by virtue of judicial proceedings, shall operate to divest all right, title, interest, claim and demand whatsoever, either at law or in equity, of the Company in and to the property sold and shall be a perpetual bar, both at law and in equity, against the Company, its successors and assigns, and against any and all Persons claiming the property sold or any part thereof under, by or through the Company, its successors or assigns. SECTION 5.5. EFFECT OF DISCONTINUANCE OF PROCEEDINGS. IN case the Collateral Agent shall have proceeded to enforce any right under this Deed of Trust by foreclosure, sale, entry or otherwise, and such proceedings shall have been discontinued through written notice to the Company by the Collateral Agent or shall have been determined adversely, then and in every such case the Company and the Collateral Agent shall each be restored to its position and rights hereunder, except with respect to any rights specifically denied in a proceeding which was adversely determined, as they existed immediately prior to the commencement of such proceedings with respect to the property subject to the Lien and first perfected security interest of this Deed of Trust. SECTION 5.6. DELAY OR OMISSION NOT A WAIVER. No delay, failure or omission of the Collateral Agent to exercise any right or power arising from any Event of Default on the part of the Company shall exhaust or impair any such right or power or prevent its exercise during the continuance of such Event of Default. No waiver by the Collateral Agent of any such Event of Default, whether such waiver be full or partial, shall extend to or be taken to affect any subsequent Event of Default, or to impair the rights resulting therefrom, except as may be otherwise provided herein. No right, power or remedy hereunder is intended to be exclusive of any other right, power or remedy but each and every right, power or remedy shall be cumulative and in addition to any and every other right, power or remedy given hereunder or otherwise existing. Nor shall the giving, taking or enforcement OF any other or additional security, collateral or guaranty for the payment of the indebtedness secured under this Deed of Trust operate to prejudice, waive or affect the security of this Deed of Trust or any rights, powers or remedies hereunder; nor shall the Collateral Agent be required to first look to, enforce or exhaust such other or additional security, collateral or guaranties. SECTION 5.7. COSTS AND EXPENSES OF FORECLOSURE. In any suit to foreclose the Lien or first perfected security interest hereon there shall be allowed and included as additional Secured Obligations in the decree for sale all expenditures and expenses which may be paid or incurred by or on behalf of the Collateral Agent and Trustee for reasonable attorney's fees, reasonable appraiser's fees, outlays for documentary and expert evidence, stenographic charges, publication costs and costs (which may be estimated as the items to be expended after the entry of the decree) of procuring all such abstracts of title, title searches and examination, guarantee policies, and similar data and assurances with respect to title as the Collateral Agent and Trustee may deem to be reasonably necessary either to prosecute any foreclosure action or to evidence to -31- the bidder at any sale pursuant thereto the true condition of the title to or the value of the Collateral, all of which expenditures shall become additional Secured Obligations which the Company agrees to pay and all of such shall be immediately due and payable with interest thereon from the date of expenditure until paid at the Advance Overdue Rate. SECTION 5.8. NOTES TO BECOME DUE UPON SALE BY COLLATERAL AGENT. Upon any sale under or by virtue of this Deed of Trust, whether pursuant to foreclosure, power of sale or otherwise, the entire unpaid principal amount of the Notes shall, unless the Collateral Agent shall expressly declare otherwise or if not previously declared due and payable, immediately become due and payable, together with interest accrued thereon and Make Whole Premium and/or fees, if any, and all other indebtedness which this Deed of Trust by its terms secures, anything contrary in this Deed of Trust, the Notes or any other instrument securing the Notes to the contrary notwithstanding. SECTION 5.9. REMEDIES SUBJECT TO APPLICABLE LAW. ALL rights, remedies, and powers provided by this SECTION 5 entitled "Defaults and Remedies Therefor" may be exercised only to the extent that the exercise thereof does not violate any applicable provisions of law, and all of the provisions of this Section are intended to be subject to all applicable mandatory provisions of law which may be controlling and to be limited to the extent necessary so that they will not render this Deed of Trust invalid, unenforceable, or not entitled to be recorded, registered, or filed under the provisions of any applicable law. SECTION 6 MISCELLANEOUS. SECTION 6.1. SUCCESSORS AND ASSIGNS. Whenever any of the parties hereto is referred to, such reference shall be deemed to include the successors and assigns of such party; and all the covenants, premises and agreements in this Deed of Trust contained by or on behalf of the Company, or by or on behalf of the Trustee or the Collateral Agent, shall bind and inure to the benefit of the respective successors and assigns of such parties whether so expressed or not. SECTION 6.2. SEVERABILITY. The unenforceability or invalidity of any provision or provisions of this Deed of Trust shall not render any other provision or provisions herein contained unenforceable or invalid. SECTION 6.3. ADDRESSES FOR NOTICES AND DEMANDS. Any notice or report required by any provision of this Deed of Trust shall be deemed to have been sufficiently given or made if copies thereof are delivered in writing, telexed, telegraphed or telecopied (with a copy of any such communication promptly mailed by registered or certified mail or prepaid overnight air courier), addressed as follows: If to the Company: The Chalone Wine Group, Ltd, 621 Airpark Road Napa, CA 94558 -32- If to the Collateral Agent; "Rabobank International", New York Branch, 245 Park Avenue New York, NY 10167 If to the Trustee North American Title Company 3273 Claremont Way, Ste. 101 Napa, CA 94558 or as to either party at such other address as such party may designate by notice duly given in accordance with this Section to the other party. SECTION 6.4. HEADINGS AND TABLE OF CONTENTS. The headings of the sections of this Deed of Trust and the table of contents are inserted for purposes of convenience only and shall not be construed to affect the meaning or construction of any of the provisions hereof. SECTION 6.5. RELEASE. This Deed of Trust shall be a continuing agreement in every respect and shall remain in full force and effect until all of the Notes, premium, if any, principal and interest thereon and all other Secured Obligations, shall have been fully paid and satisfied. Simultaneous with the occurrence of the preceding sentence, or otherwise pursuant to the terms and provisions of the Intercreditor and Agency Agreement, the Collateral Agent shall, upon the request and at the expense of the Company, forthwith release all its liens and security interests hereunder by, including but not limited to, the execution of a satisfaction and any other documents or actions required for the release of the Deed of Trust of record. SECTION 6.6. COUNTERPARTS. This Deed of Trust may be executed, acknowledged and delivered in any number of counterparts, each of such counterparts constituting an original but all together only one Deed of Trust. SECTION 6.7. AGENCY. Each holder of the Notes, by its execution and delivery of the Intercreditor and Agency Agreement, appoints and authorizes the Trustee and Collateral Agent to hold the lien of this Deed of Trust on the Collateral for the equal and ratable benefit and security of all holders of the Notes, without preference, priority or distinction of any thereof or any other by reason of difference in time of issuance, sale or delivery of the Notes to such holders. The Collateral Agent shall take such actions in respect of the Collateral (including actions after the occurrence of an Event of Default) as are delegated to the Collateral Agent by the terms of the Intercreditor and Agency Agreement. SECTION 6.8. SUBSTITUTE TRUSTEE. Trustee shall be under no duty to take any action hereunder except as expressly required or by law, or to perform any act which would involve Trustee in any expense or liability or to institute or defend any suit in respect hereof, unless properly indemnified to Trustee's reasonable satisfaction. Trustee, by acceptance of this Deed of Trust, covenants to perform and fulfill the trusts herein created, being liable, however, only for gross negligence or willful misconduct, and hereby waives any statutory fee and agrees to accept reasonable compensation, in lieu thereof, for any services rendered by Trustee in accordance with the terms hereof. Trustee may resign at any time upon giving thirty (30) days' notice to Company and to Collateral Agent. Collateral Agent may in its sole and absolute discretion and with or without cause remove Trustee at any time or from time to time and select a -33- successor trustee. In the event of the death, removal, resignation, refusal to act, or inability to act of Trustee, or in its sole and absolute discretion for any reason whatsoever Collateral Agent may, without notice and without specifying any reason therefor and without applying to any court, select and appoint a successor trustee, by an instrument recorded wherever this Deed of Trust is recorded and all powers rights, duties and authority of Trustee, as aforesaid, shall thereupon become vested in such successor and without conveyance of the Collateral, the successor trustee shall succeed to all the title, powers, and duties conferred upon Trustee herein and by applicable laws as if the successor had been named Trustee at the time this Deed of Trust was recorded. Such substitute trustee shall not be required to give bond for the faithful performance of the duties of Trustee hereunder unless required to do so by Collateral Agent. Company shall pay all costs, fees and expenses incurred by Trustee and Trustee's agents and counsel in connection with the performance by Trustee of Trustee's duties hereunder and all such costs, fees and expenses shall be secured by this Deed of Trust. SECTION 6.9. GOVERNING LAW. This Deed of Trust shall be construed in accordance with and governed by the laws and decisions of the State of California (without regard to any choice of law provisions). SECTION 6.10. TIME. Time shall be of the essence of this Deed of Trust. SECTION 6.11. FUTURE ADVANCES. At all times, this Deed of Trust secures as part of the Secured Obligations the payment of any and all loan commissions, service charges, liquidated damages, attorney's fees, expenses and advances due to or incurred by the Collateral Agent and the Trustee in connection with the Secured Obligations, all in accordance with the Notes, this Deed of Trust, the Amended and Restated Note Agreements, the Credit Agreement the Intercreditor and Agency Agreement and any of the Security Documents, together with such future or additional advances as may be made by the Collateral Agent or the holder hereof, at its exclusive option to the Company or its successors or assigns in title, for any purpose provided hereunder, PROVIDED that all such advances are made within twenty years of the date of this Deed of Trust. SECTION 6.12. WAIVER OF JURY TRIAL. The Company and the Collateral Agent hereby knowingly, voluntarily and intentionally waive the right to trial by jury in respect of any litigation based hereon, arising out of, under or in connection with this Deed of Trust or any other Security Document contemplated to be executed in connection herewith, or any course of conduct, course of dealings, statements (whether verbal or written) or acts of either party, or any exercise of any party of their respective rights under this Deed of Trust or any such Security Document. The Company hereby acknowledges that this waiver of jury trial is a material inducement to the Noteholders in extending credit to the Company, that the Noteholders would not have extended credit without this waiver of jury trial and that the Company has had an opportunity to consult with an attorney in connection with this waiver of jury trial and understands the legal effect of this waiver. SECTION 6.13. SPECIAL CALIFORNIA PROVISIONS. The terms, conditions and provisions of this Section 6.13, if any, shall apply solely to the portion of the security herein described which is located in California and shall govern, control and take precedence with respect to such portion of the security: -34- (a) The provisions of this Deed of Trust shall remain in full force and effect notwithstanding (i) any release of Company from any liability with respect to the Secured Obligations; or (ii) any release or subordination of any real or personal property now or hereafter held by Collateral Agent as security for the performance of the Secured Obligations; (b) Company hereby waives all rights and defenses that Company may have because any of Company's debt is secured by real property. This means, among other things: (i) Collateral Agent may collect from Company without first foreclosing on any real or personal property collateral pledged by Company; and (ii) if Collateral Agent forecloses on any real property collateral pledged by Company (A) the amount of debt may be reduced only by the price for which the collateral is sold at the foreclosure sale, even if the collateral is worth more than the sale price, and (B) Collateral Agent may COLLECT FROM COMPANY even if Collateral Agent, by foreclosing on the real property collateral, has destroyed any right Company may have to collect from any other party. This is an unconditional and irrevocable waiver of any rights and defenses Company may have because Company's debt is secured by real property. These rights and defenses include, but are not limited to, any rights or defenses based upon Section 580a, 580b, 580d, or 726 of the California Code of Civil Procedure. (c) In the case of a power of sale foreclosure under this Deed of Trust or any other deed of trust entered into by the parties as security for the Secured Obligations, the fair market value of the real property collateral shall be conclusively deemed to be the amount of the successful bid at the foreclosure sale. Company waives any rights or benefits it may now or hereafter have to a fair value hearing under Section 580a of the California Code of Civil Procedure. Collateral Agent shall have absolutely no obligation to make a bid at any foreclosure sale, but rather may make no bid or bid any amount which Collateral Agent, in its sole discretion, deems appropriate. (d) Company warrants and represents to Collateral Agent that (i) it now has or will continue to have full and complete access to any and all information concerning the transactions contemplated by the Operative Agreements referred to therein, the value of the assets owned or to be acquired by any Subsidiary Guarantor under the Operative Agreements, their financial status and their respective ability to pay and perform their respective obligations under the Operative Agreements; and (ii) Company has reviewed and approved copies of the Operative Agreements and is fully informed of the remedies Collateral Agent may pursue, with or without notice to Company, in the event of default under the Operative Agreements. Company shall keep fully informed as to all aspects of the financial condition of any Subsidiary Guarantor under the Operative Agreements and the performance of their respective obligations under the Operative Agreements. (e) Company agrees that Collateral Agent may exercise any right or remedy hereunder or under any of the Operative Agreements without the necessity of resorting to or exhausting any security or collateral conveyed or assigned by Company or any of the Subsidiary Guarantors under the Operative Agreements or any guarantor of any of the Secured Obligations. Company hereby waives any right it may now or hereafter have to require Collateral Agent to proceed against any Subsidiary Guarantor under the Operative Agreements, to proceed against any guarantor of any of the Secured Obligations, to foreclose any lien on any real or personal property collateral conveyed or assigned to Collateral Agent by Company or any Subsidiary -35- Guarantor under the Operative Agreements, to exercise any right or remedy under the Operative Agreements, to draw upon any letter of credit issued in connection with any of the Secured Obligations, or to pursue any other remedy or to enforce any other right under the Operative Agreements. (f) Company and Collateral Agent intend that the relationship created hereunder be solely that of "debtor" and "creditor". Nothing herein is intended to create a joint venture, partnership, tenancy- in-common, or joint tenancy relationship between Company and Collateral Agent nor to grant Collateral Agent any interest in the Collateral other than that of beneficiary, secured party or lender. ' (g) This Deed of Trust may not be modified, amended, discharged or waived in whole or in part except by an agreement in writing signed by Company and Collateral Agent. The covenants of this Deed of Trust shall RUN WITH THE LAND AND SHALL BIND COMPANY and the heirs, distributees, personal representatives, successors and assigns of Company and all present and subsequent encumbrancers, lessees and sublessees of any of the Collateral and shall inure to the benefit of Collateral Agent and its respective successors, assigns and endorsees. (h) Whenever possible, each provision of this Deed of Trust shall be interpreted in such manner as to be effective and valid under applicable law, but if any provision of this Deed of Trust shall be prohibited by or invalid under applicable law, such provision shall be ineffective to the extent of such prohibition or invalidity, without invalidating the remaining provisions of this Deed of Trust. Nothing in this Deed of Trust or in any other Operative Agreements shall require Company to pay, or Collateral Agent to accept, interest in an amount which would subject Collateral Agent to penalty under applicable law. In the event that the payment of any interest due hereunder or under any of the other Operative Agreements or a payment which is deemed interest, exceeds the maximum amount payable as interest under the applicable usury laws, such excess amount shall be applied to the reduction of the Indebtedness, and upon payment in full of the Indebtedness, shall be applied to the performance of the Obligations, and upon performance in full of the Obligations, shall be deemed to be a payment made by mistake and shall be refunded to Company. (i) Any consent or approval by Collateral Agent in any single instance shall not be deemed or construed to be Collateral Agent's consent or approval in any like matter arising at a subsequent date, and the failure of Collateral Agent to promptly exercise any right, power, remedy, consent or approval provided herein or at law or in equity shall not constitute or be construed as a waiver of the same nor shall Collateral Agent be stopped from exercising such right, power, remedy, consent or approval at a later date. Any consent or approval requested of and granted by Collateral Agent pursuant hereto shall be narrowly construed to be applicable only to Company and the matter identified in such consent or approval and no third party shall claim any benefit by reason thereof, other than the party to whom such consent or approval was given or reasonably intended to benefit, and any such consent or approval shall not be deemed to constitute Collateral Agent a venturer or partner with Company nor shall privity of contract be presumed to have been established with any such third party. It is the desire and intention of the parties hereto that this Deed of Trust and the lien hereof do not merge in fee simple title to the Collateral. It is hereby understood and agreed -36- that should Collateral Agent acquire any additional or other interests in or to the Collateral or the ownership thereof, then, unless a contrary intent is manifested by Collateral Agent as evidenced by an appropriate document duly recorded, this Deed of Trust and the lien hereof shall not merge in such other or additional interests in or to the Collateral, toward the end that this Deed of Trust may be foreclosed as if owned by a stranger to said other or additional interests. (j) By accepting delivery of any item required to be observed, performed or fulfilled or to be given to Collateral Agent pursuant to this Deed of Trust and the other Operative Agreements, including, but not limited to, any officer's certificate, balance sheet, statement of profit and loss or other financial statement, survey, appraisal or insurance policy, Collateral Agent shall not be deemed to have warranted, consented to, or affirmed the sufficiency, legality, effectiveness or legal effect of the same, or of any term, provision or condition thereof, and such acceptance of delivery thereof shall not be or constitute any warranty, consent or affirmation with respect thereto by Collateral Agent. (k) The parties hereto agree that each of them, upon the request of the other party, shall execute and deliver such further documents, instruments or agreements and shall take such further action that may be necessary or appropriate to effectuate the purposes of this Deed of Trust or that may be necessary or appropriate to comply with the requirements of the Uniform Commercial Code. COMPANY PLEASE NOTE: UPON THE OCCURRENCE OF A DEFAULT, CALIFORNIA PROCEDURE PERMITS THE TRUSTEE TO SELL THE COLLATERAL AT A SALE HELD WITHOUT SUPERVISION BY ANY COURT AFTER EXPIRATION OF A PERIOD PRESCRIBED BY LAW. UNLESS YOU PROVIDE AN ADDRESS FOR THE GIVING OF NOTICE, YOU MAY NOT BE ENTITLED TO NOTICE OF THE COMMENCEMENT OF SALE PROCEEDINGS. BY EXECUTION OF THIS DEED OF TRUST, YOU CONSENT TO SUCH PROCEDURE. COLLATERAL AGENT URGES YOU TO GIVE PROMPT NOTICE OF ANY CHANGE IN YOUR ADDRESS SO THAT YOU MAY RECEIVE PROMPTLY ANY NOTICE GIVEN PURSUANT TO THIS DEED OF TRUST. -37- IN WITNESS WHEREOF, the Company has caused this Deed of Trust to be executed in its behalf by its President as of the day and year first above written. THE CHALONE WINE GROUP, LTD. BY: ________________________ THOMAS B. SELFRIDGE, PRESIDENT AND CEO Address: 621 Airpark Road Napa, California 94558 Taxpayer Identification No.: 84-1537575 Deed of Trust Monterey County CERTIFICATE OF ACKNOWLEDGMENT State of California County of San Francisco On April 12, 2002, before me, Kimberly A. Clark, personally appeared Thomas B. Selfridge, [ ] personally known to me, OR [XX] proved to me on the basis of satisfactory evidence to be the KIMBERLY A. CLARK person(s) whose name(s) is/are COMM. #1238162 subscribed to the within instrument and NOTARY PUBLIC-CALIFORNIA acknowledged to me that he/she/they City & County of San Francisco executed the same in his/her/their COMM. EXP. OCT, 16, 2003 authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal Signature _____________________________ MONTEREY, CA CHALONE WINE AMENDED LEGAL DESCRIPTION PARCEL I ________ PARCEL "A" IN THE COUNTY OF MONTEREY, STATE OF CALIFORNIA, ACCORDING TO THE MAP FILED FOR RECORD ON SEPTEMBER 16, 1987 IN VOLUME 15 OF SURVEY, AT PAGE 48, IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY. EXCEPTING THEREFROM A 14 FOOT STRIP OF LAND LEADING TO THE N. 1/2 OF THE N. 1/2 OF SEC. 17, T17, S., R7E MDM, FROM THE STONEWALL CANYON ROAD LOCATED IN THE SE 1/4 OF THE SE 1/4 OF SECTION 8, TOWNSHIP 17, SOUTH, RANGE 7 EAST MDM, THENCE SOUTHERLY ACROSS THE SAID SE 1/4 OF THE SE 1/4 OF SECTION 8 AND ADJACENT TO THE WESTERNMOST BOUNDARY OF THE SAID SE 1/4 OF THE SE 1/4 OF SECTION 8 FOR APPROXIMATELY ONE QUARTER MILE, GRANTED TO JON A. BROSSEAU AND JANET A. BROSSEAU, HUSBAND AND WIFE, RECORDED OCTOBER 6, 1978 ON REEL 1280, OFFICIAL RECORDS, PAGE 875. APN: 417-181-053 PARCEL II _________ THE SOUTHEAST QUARTER OF SECTION 7 IN TOWNSHIP 17 SOUTH, RANGE 7 EAST, MOUNT DIABLO MERIDIAN, ACCORDING TO THE OFFICIAL PLAT THEREOF. EXCEPTING THEREFROM THAT REAL PROPERTY DESCRIBED IN THAT DEED TO MACWOOD COMPANY OF CALIFORNIA, A GENERAL PARTNERSHIP, RECORDED NOVEMBER 8, 1973 IN REEL 879, PAGE 623, OFFICIAL RECORDS, MONTEREY COUNTY, CALIFORNIA. ALSO EXCEPTING THEREFROM THAT REAL PROPERTY DESCRIBED IN THAT DEED TO PETER WATSON-GRAFF, ET UX, RECORDED APRIL 8, 1975 IN REEL 972, PAGE 169, OFFICIAL RECORDS, MONTEREY COUNTY, CALIFORNIA. APN: 417-201-001 PARCEL III __________ THE NORTHWEST QUARTER OF SECTION 8, TOWNSHIP 17 SOUTH, RANGE 7 EAST, MOUNT DIABLO BASE AND MERIDIAN IN THE COUNTY OF MONTEREY, STATE OF CALIFORNIA, ACCORDING TO THE OFFICIAL PLAT THEREOF. APN: 417-181-029 -1- MONTEREY,CA CHALONE WINE PARCEL IV _________ THE WEST HALF OF THE EAST HALF OF SECTION 8, TOWNSHIP 17 SOUTH, RANGE 7 EAST, MOUNT DIABLO BASE AND MERIDIAN, IN THE COUNTY OF MONTEREY, STATE OF CALIFORNIA, ACCORDING TO THE OFFICIAL PLAT THEREOF. APN: 417-181-030 417-181-036 PARCEL V ________ THE EAST HALF OF THE SOUTHWEST QUARTER AND THE SOUTH HALF OF THE SOUTHWEST QUARTER OF THE SOUTHWEST QUARTER AND THE NORTH HALF OF THE NORTHWEST QUARTER OF THE SOUTHWEST QUARTER OF SECTION 8, TOWNSHIP 17 SOUTH, RANGE 7 EAST, MOUNT DIABLO BASE AND MERIDIAN, IN THE COUNTY OF MONTEREY, STATE OF CALIFORNIA, ACCORDING TO THE OFFICIAL PLAT THEREOF. APN: 417-181-052 PARCEL VI __________ PARCEL "1", AS SHOWN ON THAT CERTAIN PARCEL MAP FILED SEPTEMBER 29, 1974 IN VOLUME 7 OF PARCEL MAPS, AT PAGE 54, OFFICIAL RECORDS OF MONTEREY COUNTY, LOCATED IN THE SOUTHEAST QUARTER OF SECTION 7, TOWNSHIP 17 SOUTH, RANGE 7 EAST, M.D.M. APN: 417-201-002 PARCEL VII __________ AN EASEMENT FOR ACCESS TO THE DESCRIBED PREMISES, AND APPURTENANT THERETO, CONSISTENT WITH THE PRESENT USE, OVER A PRIVATE RIGHT-OF-WAY 30 FEET IN WIDTH AND 272 FEET IN LENGTH, MORE OR LESS, LYING ALONG THE NORTHEASTERLY BOUNDARY OF SAID PARCEL IV ABOVE, AND ALSO AS SHOWN ON THE AFORESAID PARCEL MAP. -2- FORM OF ENVIRONMENTAL INDEMNITY This ENVIRONMENTAL INDEMNITY (this "INDEMNITY") is entered into as of April 19, 2002, by THE CHALONE WINE GROUP, LTD. (the "COMPANY"), EDNA VALLEY VINEYARD ("EDNA"), CANOE RIDGE VINEYARD, L.L.C. ("CANOE LLC"), SHW EQUITY CO. ("SHW"), STATON HILLS WINERY COMPANY LIMITED ("STATON") and CANOE RIDGE WINERY, INC. ("CANOE WINERY") (each an "INDEMNITOR" and, collectively, the "INDEMNITORS") to and for the benefit of each of the Purchasers named in Schedule A to the Note Purchase Agreement. The Purchasers and the Company are parties to that certain Amended and Restated Note Purchase Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "NOTE PURCHASE AGREEMENT"). Edna, Canoe LLC and SHW, are each parties to separate Amended and Restated Guaranty Agreements dated as of April 19, 2002 ("AMENDED AND RESTATED GUARANTEES") and Canoe Winery and Staton are each parties to separate Guaranty Agreements dated as of April 19, 2002 ("ORIGINAL GUARANTEES" and together with the Amended and Restated Guarantees, the "GUARANTEES"), in favor of the Purchasers pursuant to which they have guaranteed the payment and performance of the Company's obligations under and in connection with the Note Purchase Agreement as provided in such Guarantees. The obligations of the Company and the Guarantors under the Note Purchase Agreement, the Guarantees and the other Loan Documents are secured by, among other things, certain deeds of trust and mortgages covering the premises described on EXHIBIT A hereto and the improvements now or hereafter existing thereon (such premises and improvements, the "PROPERTY"). It is a condition precedent to the borrowings and issuances of Notes under the Note Purchase Agreement that the Indemnitors indemnify the Purchasers as set forth herein. This Indemnity is secured by the personal property Collateral covered by the Collateral Documents, but not by the Property. NOW, THEREFORE, in consideration of the foregoing and other valuable consideration, the receipt and sufficiency of which are hereby acknowledged, each Indemnitor agrees as follows: DEFINITIONS. "ENVIRONMENTAL LAWS" means all federal, state and local environmental, health or safety laws, regulations, ordinances, standards, policies, requirements, rulings, judgments, and rules of common law (including, without limitation, the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as amended, 42 U.S.C. ss.9601 ET SEQ., the Hazardous Materials Transportation Act, 49 U.S.C.ss.1802, ET SEQ., The EXHIBIT B (to the Note Purchase Agreement) Resource Conservation and Recovery Act, 42 U.S.C.ss.6901 ET SEQ., the Toxic Substance Control Act of 1976, as amended, 15 U.S.C.ss.2601 ET SEQ., the Clean Water Act, 33 U.S.C.ss.466 et seq., as amended, and the Clean Air Act, 42 U.S.C.ss.7401 ET SEQ.). "HAZARDOUS SUBSTANCES" means any toxic or hazardous wastes, pollutants or substances, including, without limitation, asbestos, PCBs, petroleum products and by-products, substances defined or listed as "hazardous substances" or "toxic substances" or similarly identified in or pursuant to any Environmental Laws and any hazardous or toxic substance or pollutant regulated under any other applicable federal, state or local laws. Capitalized terms used herein (including in the preamble and recitals of this Indemnity) and not otherwise defined herein shall have the meanings ascribed to such terms in the Note Purchase Agreement. INDEMNIFICATION. The Indemnitors, jointly and severally, hereby agree to indemnify and hold the Purchasers harmless from and against, and shall reimburse the Purchasers for, any and all loss, claim, liability, damage, injunctive relief, injuries to person, property, collateral or natural resources, cost, expense (including, without limitation, reasonable fees and allocated costs of internal and external counsel, expert witnesses and other professionals or experts advising the Purchasers), action or cause of action, arising in connection with the release or presence of any Hazardous Substance at or on any or all of the Property, whether foreseeable or unforeseeable, regardless of the source of such release or when such release occurred or such presence is discovered. The foregoing indemnity includes, without limitation, (a) all costs in law or in equity of removal, remediation of any kind, and disposal of such Hazardous Substances, (b) all cost of determining whether any or all of the Property is in compliance, and causing any or all of the Property to be in compliance, with all applicable Environmental Laws, (c) all costs associated with claims for damages to persons, property, or natural resources, and (d) each Purchaser's reasonable attorneys' fees (including the allocated costs of internal legal counsel) and consultants' fees and court costs. SECURITY. This Indemnity is secured by the personal property Collateral covered by the Collateral Documents, but not by the Property. The obligations of the Indemnitors under this Indemnity shall survive the foreclosure of any Deed of Trust and satisfaction of the other Obligations, and shall be independent of any other Obligations. The rights of the Purchasers under this Indemnity shall be in addition to any other rights and remedies of the Purchasers under any Guaranty, the Note Purchase Agreement or any other Loan Document or at law or equity. Notwithstanding any other provision of this Indemnity or any other instrument or agreement to the contrary, the Purchasers shall at all times have the maximum rights and remedies available at any time under any applicable law or equitable principal of any state (including, without limitation, under Chapter 70.105D of the Revised Code of Washington, or any other similar laws or equitable principals of any state). SURVIVAL. If any Purchaser takes title to any or all of the Property through foreclosure or deed in lieu of foreclosure of any or all of the Deeds of Trust, this Indemnity shall not apply to any loss or costs incurred by any Purchaser as a direct result of affirmative actions of any Purchaser as B-2 owner and operator of any or all such Property after Purchaser has acquired title to any or all such Property, which actions are the sole and direct cause of damage resulting from the introduction and initial release of a Hazardous Substance at any or all such Property; provided, however, this Indemnity shall otherwise remain in full force and effect, including, without limitation, (a) with respect to Hazardous Substances which are discovered at any or all of the Property by any Purchaser or any other Person after the date any Purchaser acquires title to any or all such Property, but which were not actually introduced at any or all such Property by any Purchaser, and (b) with respect to the continuing migration or release of any Hazardous Substance previously introduced at any or all of the Property. This Indemnity is intended to be operable under 42 U.S.C. ss.9607(e)(1) and any successor section thereof. INTEREST. Any amount claimed hereunder by the Purchasers and not paid by the Indemnitors within thirty (30) days after written demand from any Purchaser with an explanation of the amounts claimed, shall bear interest at a rate per annum equal to the highest interest rate set forth in the Note Purchase Agreement. SUCCESSORS AND ASSIGNS. This Indemnity shall inure to the benefit of each of the Purchasers and each Purchaser's successors and assigns, and shall be binding upon each Indemnitor's successors and assigns, provided that no Indemnitor may assign its obligations under this Indemnity without the prior written consent of the Purchasers. NO WAIVER; CONSENTS. Each waiver hereunder by the Purchasers must be in writing and signed by the Purchasers, and no waiver shall be construed as a continuing waiver. No waiver shall be implied from any delay or failure by the Purchasers to take action on account of any default of any Indemnitor. Consent by the Purchasers to any act or omission by any Indemnitor shall not be construed as a consent to any other or subsequent act or omission or as a waiver of the requirement for the Purchasers' consent to be obtained in any future or other instance. GOVERNING LAW. This Indemnity shall be governed and construed in accordance with the laws of the State of New York. JOINT AND SEVERAL OBLIGATIONS. If this Indemnity is executed by more than one person or entity, the liability of the undersigned hereunder shall be joint and several. COSTS, EXPENSES AND ATTORNEYS' FEES. The Indemnitors agree to reimburse the Purchasers for all reasonable costs, out-of-pocket expenses and attorneys' fees (including the allocated costs of internal legal counsel) expended or incurred by each Purchaser in preparation of or enforcing (or attempted enforcement of) this Indemnity, in actions for declaratory relief in any way related to this Indemnity, or in collecting any sum which becomes due from an Indemnitor to the Purchasers under this Indemnity. NOTICES. Any notices, requests or responses to be made or to be given pursuant to the terms of this Indemnity shall be made in accordance with the Note Purchase Agreement. B-3 SEVERABILITY. Whenever possible, each provision of this Indemnity shall be interpreted in such manner as to be effective and valid under all applicable laws and regulations. If, however, any provision of this Indemnity shall be prohibited by or invalid under any such law or regulation in any jurisdiction, it shall, as to such jurisdiction, be deemed modified to conform to the minimum requirements of such law or regulation, or, if for any reason it is not deemed so modified, it shall be ineffective and invalid only to the extent of such prohibition or invalidity without affecting the remaining provisions of this Indemnity or the validity or effectiveness of such provision in any other jurisdiction. COUNTERPARTS. This Indemnity may be executed in two or more counterparts, and by different parties on separate counterparts, each of which shall constitute an original, but all of which, when taken together, shall constitute but one agreement. [Remainder of this page intentionally left blank.] B-4 IN WITNESS WHEREOF, this Indemnity is executed as of the day and year first above written. THE CHALONE WINE GROUP, LTD. By:_______________________________________ Name:_____________________________________ Title:____________________________________ EDNA VALLEY VINEYARD By:_______________________________________ Name:_____________________________________ Title:____________________________________ CANOE RIDGE VINEYARD, L.L.C. By:_______________________________________ Name:_____________________________________ Title:____________________________________ SHW EQUITY CO. By:_______________________________________ Name:_____________________________________ Title:____________________________________ CANOE RIDGE WINERY, INC. By:_______________________________________ Name:_____________________________________ Title:____________________________________ STATON HILLS WINERY COMPANY LIMITED By:_______________________________________ Name:_____________________________________ Title:____________________________________ FARM CREDIT SERVICES OF AMERICA, PCA By:_______________________________________ Name:_____________________________________ Title:____________________________________ AgSTAR FINANCIAL SERVICES, PCA D/B/A FARM CREDIT SERVICES COMMERCIAL FINANCE GROUP By:_______________________________________ Name:_____________________________________ Title:____________________________________ FORM OF PATENT AND TRADEMARK SECURITY AGREEMENT See attached. EXHIBIT C (to Note Purchase Agreement) PATENT AND TRADEMARK SECURITY AGREEMENT THIS PATENT AND TRADEMARK SECURITY AGREEMENT (this "Agreement"), dated as of April 19, 2002, is made between The Chalone Wine Group, Ltd., a California corporation (the "Borrower"), Canoe Ridge Vineyard, L.L.C., a Washington limited liability company, SHW Equity Co., a Washington corporation, and Staton Hills Winery Company Limited, a Washington corporation, Canoe Ridge Winery, Inc., a Washington corporation (each a "Grantor" and together with the Borrower, the "Grantors"), and Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch ("Rabobank"), as collateral agent for the Agent, the Lenders and the Noteholders referred to below (in such capacity, the "Collateral Agent"). The Borrower, certain lenders and Rabobank, as issuer of letters of credit (in such capacity, the "Issuing Lender"), as swingline lender (in such capacity, the "Swingline Lender") and as administrative agent (in such capacity, the "Agent"), are parties to a Credit Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Credit Agreement") pursuant to which the Lenders have made available to the Borrower a revolving credit facility and term loan facility, as provided therein. The Borrower and certain noteholders are parties to an Amended and Restated Note Purchase Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Note Agreement") pursuant to which the Borrower and such noteholders have amended and restated the $30,000,000 aggregate principal amount of the Borrower's Senior Guaranteed Notes, Series A, B and C, Due September 15, 2010 originally issued and sold to such noteholders on September 15, 2000 (collectively, the "Private Placement Notes"), as provided therein. The Grantors have also entered into a Security Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Security Agreement") pursuant to which each Grantor has granted a security interest in substantially all of its personal property in favor of the Collateral Agent, for itself and for the benefit of the Agent, the Lenders and the Noteholders. It is a condition precedent to the borrowings and the issuance of letters of credit under the Credit Agreement and the amendment and restatement of the Private Placement Notes as provided in the Note Agreement that each Grantor enter into this Agreement and grant to the Collateral Agent, for itself and for the ratable benefit of the Agent, the Lenders and the Noteholders, the security interests hereinafter provided to secure the obligations of the Grantors as described below. The Collateral Agent, the Agent, the Lenders, the Noteholders, the Grantors and certain of their affiliates have entered into an Intercreditor and Collateral Agency Agreement dated as of April 19, 2002 (as amended, restated, supplemented or otherwise modified from time to time, the "Intercreditor Agreement") pursuant to which, among other things, the Lenders and Noteholders have agreed (i) to the appointment of Rabobank as Collateral Agent and (ii) to the relative priority of their security interests in the Collateral and the manner and order in which certain rights and remedies of the Lenders and Noteholders may be exercised, all as provided therein. Accordingly, the parties hereto agree as follows: SECTION 1 DEFINITIONS; INTERPRETATION. (a) TERMS DEFINED IN CREDIT AGREEMENT. All capitalized terms used in this Agreement (including in the preamble and recitals of this Agreement) and not otherwise defined herein shall have the meanings assigned to them in the Credit Agreement. (b) CERTAIN DEFINED TERMS. As used in this Agreement, the following terms shall have the following meanings: "COLLATERAL" has the meaning set forth in Section 2. "CREDIT FACILITY SECURED OBLIGATIONS" means the indebtedness, liabilities and other obligations of the Grantors to the Collateral Agent, the Agent and the Lenders under or in connection with the Credit Agreement, the Revolving Notes, the Term Notes, the Guaranties, the Letters of Credit and the other Loan Documents, including all unpaid principal of the Loans, all unpaid drawings under Letters of Credit, all interest accrued thereon, all fees due under the Credit Agreement and the other Loan Documents and all other amounts payable by any Grantor to the Collateral Agent, the Agent and the Lenders thereunder or in connection therewith, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "LENDERS" means the lenders from time to time party to the Credit Agreement as "Lenders". References to the Lenders shall include references to Rabobank in its capacity as the Issuing Lender and the Swingline Lender; for purposes of clarification only, to the extent that Rabobank may have any rights or obligations in addition to those of the Lenders due to its status as the Issuing Lender or the Swingline Lender, its status as such will be specifically referenced. "NOTEHOLDERS" means the noteholders from time to time holding one or more of the Private Placement Notes and in whose name such Private Placement Note(s) are registered in the register maintained by the Borrower pursuant to the Note Agreement. "PRIVATE PLACEMENT SECURED OBLIGATIONS" means the indebtedness, liabilities and other obligations of the Grantors to the Collateral Agent and the Noteholders under or in connection with the Note Agreement, the Private Placement Notes, the Subsidiary Guarantee Agreement (as defined in the Note Agreement) and the other Loan Documents (as defined in the Note Agreement), including all unpaid principal of the Private Placement Notes, all interest accrued thereon, all fees due under the Note Agreement and the other Loan Documents (as so defined) and all other amounts payable by any Grantor to the Collateral Agent and the Noteholders thereunder or in connection therewith, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "PTO" means the United States Patent and Trademark Office. 2. "SECURED OBLIGATIONS" means the Credit Facility Secured Obligations and the Private Placement Secured Obligations. "UCC" means the Uniform Commercial Code as the same may, from time to time, be in effect in the State of New York. (c) TERMS DEFINED IN UCC. Where applicable and except as otherwise defined herein, terms used in this Agreement shall have the meanings assigned to them in the UCC. (d) INTERPRETATION. The rules of interpretation set forth in Section 1.03 of the Credit Agreement shall be applicable to this Agreement and are incorporated herein by this reference. SECTION 2 SECURITY INTEREST. (a) GRANT OF SECURITY INTEREST. As security for the payment and performance of the Secured Obligations, each Grantor hereby assigns, transfers and conveys to the Collateral Agent, and grants a security interest in and mortgage to the Collateral Agent, for itself and on behalf of and for the ratable benefit of the Agent, the Noteholders and the Lenders, all of the Grantor's right, title and interest in, to and under the following property, in each case whether now or hereafter existing or arising or in which such Grantor now has or hereafter owns, acquires or develops an interest and wherever located (collectively, the "Collateral"): (i) all patents and patent applications, domestic or foreign, all licenses relating to any of the foregoing and all income and royalties with respect to any licenses (including, without limitation, such patents and patent applications as described in SCHEDULE A), all rights to sue for past, present or future infringement thereof, all rights arising therefrom and pertaining thereto and all reissues, divisions, continuations, renewals, extensions and continuations-in-part thereof; (ii) all state (including common law),federal and foreign trademarks, service marks and trade names, and applications for registration of such trademarks, service marks and trade names, all licenses relating to any of the foregoing and all income and royalties with respect to any licenses (including, without limitation, such marks, names and applications as described in SCHEDULE B), whether registered or unregistered and wherever registered, all rights to sue for past, present or future infringement or unconsented use thereof, all rights arising therefrom and pertaining thereto and all reissues, extensions and renewals thereof; (iii) the entire goodwill of or associated with the businesses now or hereafter conducted by each Grantor connected with and symbolized by any of the aforementioned properties and assets; (iv) all commercial tort claims associated with or arising out of any of the aforementioned properties and assets; (v) all accounts, all intangible intellectual or other similar property and other general intangibles associated with or arising out of any of the aforementioned properties and 3. assets and not otherwise described above, including all license payments and payments under insurance (whether or not the Collateral Agent is the loss payee thereof) or any indemnity, warranty or guaranty payable by reason of loss or damage to or otherwise with respect to the foregoing Collateral; and (vi) all products, proceeds and supporting obligations of or with respect to any and all of the foregoing Collateral. (b) CONTINUING SECURITY INTEREST. Each Grantor agrees that this Agreement shall create a continuing security interest in the Collateral which shall remain in effect until terminated in accordance with Section 20. SECTION 3 SUPPLEMENT TO SECURITY AGREEMENT. The terms and provisions of this Agreement are intended as a supplement to the terms and provisions of the Security Agreement. Each Grantor acknowledges that the rights and remedies of the Collateral Agent with respect to the security interest in the Collateral granted hereby are more fully set forth in the Security Agreement and the other Loan Documents and all such rights and remedies are cumulative. SECTION 4 REPRESENTATIONS AND WARRANTIES. Each Grantor represents and warrants to the Agent, the Noteholders, each Lender and the Collateral Agent that: (a) PATENTS. A true and correct list of all of the existing Collateral consisting of U.S. patents and patent applications and/or registrations owned by the Grantor, in whole or in part, is set forth in SCHEDULE A. (b) TRADEMARKS. A true and correct list of all of the existing Collateral consisting of U.S. trademarks, trademark registrations and/or applications owned by such Grantor, in whole or in part, is set forth in SCHEDULE B. SECTION 5 FURTHER ACTS. On a continuing basis, each Grantor shall make, execute, acknowledge and deliver, and file and record in the proper filing and recording places, all such instruments and documents, and take all such action as may be necessary or advisable or may be requested by the Collateral Agent to carry out the intent and purposes of this Agreement, or for assuring, confirming or protecting the grant or perfection of the security interest granted or purported to be granted hereby, to ensure such Grantor's compliance with this Agreement or to enable the Collateral Agent to exercise and enforce its rights and remedies hereunder with respect to the Collateral, including any documents for filing with the PTO and/or any applicable state office. The Collateral Agent may record this Agreement, an abstract thereof, or any other document describing the Collateral Agent's interest in the Collateral with the PTO, at the expense of the Grantors. SECTION 6 FUTURE RIGHTS. Except as otherwise expressly agreed to in writing by the Collateral Agent, if and when any Grantor shall obtain rights to any new patentable inventions or any new trademarks, or become entitled to the benefit of any of the foregoing, or obtain rights or benefits with respect to any reissue, division, continuation, renewal, extension or continuation-in-part of any patents or trademarks, or any improvement of any patent, the provisions of Section 2 shall automatically apply thereto and such Grantor shall give to the 4. Collateral Agent prompt notice thereof. Each Grantor shall do all things deemed necessary or advisable by the Collateral Agent to ensure the validity, perfection, priority and enforceability of the security interests of the Collateral Agent in such future acquired Collateral. Each Grantor hereby authorizes the Collateral Agent to modify, amend, or supplement the Schedules hereto and to reexecute this Agreement from time to time on such Grantor's behalf and as its attorneyin- fact to include any such future Collateral and to cause such reexecuted Agreement or such modified, amended or supplemented Schedules to be filed with the PTO. SECTION 7 COLLATERAL AGENT APPOINTED ATTORNEY-IN-FACT. The Collateral Agent shall have the right to, in the name of each Grantor, or in the name of the Collateral Agent or otherwise, without notice to or assent by any Grantor, and each Grantor hereby constitutes and appoints the Collateral Agent (and any of the Collateral Agent's officers or employees or agents designated by the Collateral Agent) as its true and lawful attorney-in-fact, with full power and authority, and hereby authorizes the Collateral Agent: (i) to sign and file in the name of such Grantor any financing statement (with or without such Grantor's signature) or other instrument and any modification, supplement or amendment to this Agreement (including any described in Section 6), and to sign the name of such Grantor on all or any of such documents or instruments and perform all other acts that the Collateral Agent deems necessary or advisable in order to perfect or continue perfected, maintain the priority or enforceability of or provide notice of the Collateral Agent's security interest in, the Collateral; and (ii) to execute any and all other documents and instruments, and to perform any and all acts and things for and on behalf of such Grantor, which the Collateral Agent may deem necessary or advisable to maintain, preserve and protect the Collateral and to accomplish the purposes of this Agreement, including (A) to defend, settle, adjust or institute any action, suit or proceeding with respect to the Collateral, (B) to assert or retain any rights under any license agreement for any of the Collateral, including any rights of such Grantor arising under Section 365(n) of the Bankruptcy Code, and, (C) after the occurrence and during the continuance of any Event of Default, to execute any and all applications, documents, papers and instruments for the Collateral Agent to use the Collateral, to grant or issue any exclusive or non-exclusive license with respect to any Collateral, and to assign, convey or otherwise transfer title in or dispose of the Collateral; provided, however, that in no event shall the Collateral Agent have the unilateral power, prior to the occurrence of an Event of Default, to assign any of the Collateral to any Person, including itself, without the Grantor's written consent. The foregoing power of attorney is coupled with an interest and irrevocable so long as the Lenders have any Commitments or the Secured Obligations have not been paid and performed in full. Each Grantor hereby ratifies, to the extent permitted by law, all that the Collateral Agent shall lawfully and in good faith do or cause to be done by virtue of and in compliance with this Section 7. SECTION 8 COLLATERAL AGENT PERFORMANCE OF GRANTOR OBLIGATIONS. The Collateral Agent may perform or pay any obligation which any Grantor has agreed to perform or pay under or in connection with this Agreement, and the Grantor shall reimburse the Collateral Agent on demand for any amounts paid by the Collateral Agent pursuant to this Section 8. SECTION 9 COLLATERAL AGENT'S DUTIES. Notwithstanding any provision contained in this Agreement, the Collateral Agent shall have no duty to exercise any of the rights, privileges or powers afforded to it and shall not be responsible to any Grantor or any other Person for any failure to do so or delay in doing so. Except for and the accounting for moneys 5. actually received by the Collateral Agent hereunder, the Collateral Agent shall have no duty or liability to exercise or preserve any rights, privileges or powers pertaining to the Collateral. SECTION 10 REMEDIES. Upon the occurrence and during the continuance of any Event of Default, the Collateral Agent shall have, in addition to all other rights and remedies granted to it in this Agreement, the Credit Agreement or any other Loan Document, all rights and remedies of a secured party under the UCC and other applicable laws. Without limiting the generality of the foregoing, each Grantor agrees that the Collateral Agent shall at all times have such royalty free licenses, to the extent permitted by law, for any Collateral that is reasonably necessary to permit the exercise of any of the Agent's or the Collateral Agent's rights or remedies upon or after the occurrence of an Event of Default. In addition to and without limiting any of the foregoing, upon the occurrence and during the continuance of an Event of Default, the Collateral Agent shall have the right but shall in no way be obligated to bring suit, or to take such other action as the Collateral Agent deems necessary or advisable, in the name of any Grantor or the Collateral Agent, to enforce or protect any Collateral, and any license thereunder, in which event the Grantor shall, at the request of the Collateral Agent, do any and all lawful acts and execute any and all documents required by the Collateral Agent in aid of such enforcement. SECTION 11 NOTICES. All notices and other communications provided for hereunder shall be given as provided in Section 13.02 of the Credit Agreement. SECTION 12 NO WAIVER; CUMULATIVE REMEDIES. No failure on the part of the Collateral Agent to exercise, and no delay in exercising, any right, remedy, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, remedy, power or privilege preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. The rights and remedies under this Agreement are cumulative and not exclusive of any rights, remedies, powers and privileges that may otherwise be available to the Agent. SECTION 13 BINDING EFFECT. This Agreement shall be binding upon, and shall inure to the benefit of and be enforceable by, the Collateral Agent, the Agent, the Lenders, the Noteholders and the Grantors and their respective successors and assigns and shall bind any Person who becomes bound as a debtor to this Agreement. SECTION 14 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK, EXCEPT AS REQUIRED BY MANDATORY PROVISIONS OF LAW AND TO THE EXTENT THE VALIDITY OR PERFECTION OF THE SECURITY INTERESTS HEREUNDER, OR THE REMEDIES HEREUNDER, IN RESPECT OF ANY COLLATERAL ARE GOVERNED BY THE LAW OF A JURISDICTION OTHER THAN NEW YORK. SECTION 15 ENTIRE AGREEMENT; AMENDMENT. This Agreement contains the entire agreement of the parties with respect to the subject matter hereof and shall not be amended except by the written agreement of the parties as provided in the Credit Agreement. 6. SECTION 16 SEVERABILITY. Whenever possible, each provision of this Agreement shall be interpreted in such manner as to be effective and valid under all applicable laws and regulations. If, however, any provision of this Agreement shall be prohibited by or invalid under any such law or regulation in any jurisdiction, it shall, as to such jurisdiction, be deemed modified to conform to the minimum requirements of such law or regulation, or, if for any reason it is not deemed so modified, it shall be ineffective and invalid only to the extent of such prohibition or invalidity without affecting the remaining provisions of this Agreement, or the validity or effectiveness of such provision in any other jurisdiction. SECTION 17 COUNTERPARTS. This Agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute but one and the same agreement. SECTION 18 INCORPORATION OF PROVISIONS OF THE CREDIT AGREEMENT. To the extent the Credit Agreement contains provisions of general applicability to the Loan Documents, including any such provisions contained in Article XIII thereof, such provisions are incorporated herein by this reference. SECTION 19 NO INCONSISTENT REQUIREMENTS. Each Grantor acknowledges that this Agreement and the other Loan Documents may contain covenants and other terms and provisions variously stated regarding the same or similar matters, and agrees that all such covenants, terms and provisions are cumulative and all shall be performed and satisfied in accordance with their respective terms. SECTION 20 TERMINATION. Upon the termination of the Commitments of the Lenders, the surrender of the Letters of Credit and payment and performance in full of all Secured Obligations, the security interests contemplated by this Agreement shall terminate and the Collateral Agent shall promptly execute and deliver to each Grantor such documents and instruments reasonably requested by such Grantor as shall be necessary to evidence termination of all security interests given by such Grantor to the Collateral Agent hereunder, including cancellation of this Agreement by written notice from the Collateral Agent to the PTO. [SIGNATURE PAGES FOLLOW.] 7. IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement, as of the date first above written. THE GRANTORS THE CHALONE WINE GROUP, LTD. By:_______________________________________ Name: Title: CANOE RIDGE VINEYARD, L.L.C. By:_______________________________________ Name: Title: SHW EQUITY CO. By:_______________________________________ Name: Title: STATON HILLS WINERY COMPANY LIMITED By:_______________________________________ Name: Title: CANOE RIDGE WINERY, INC. By:_______________________________________ Name: Title: 8. THE COLLATERAL AGENT COOPERATIEVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, as Collateral Agent By:_______________________________________ Name: Title: By:_______________________________________ Name: Title: 9. SCHEDULE A to the Patent and Trademark Security Agreement THE CHALONE WINE GROUP, LTD. ISSUED U.S. PATENTS OF THE GRANTOR PATENT NO. ISSUE DATE INVENTOR TITLE A-1. PENDING U.S. PATENT APPLICATIONS OF THE GRANTOR SERIAL NO. FILING DATE INVENTOR TITLE A-2. SCHEDULE B to the Patent and Trademark Security Agreement THE CHALONE WINE GROUP, LTD. U.S. TRADEMARKS OF THE GRANTOR REGISTRATION REGISTRATION REGISTERED NO. DATE FILING DATE OWNER MARK B-1. PENDING U.S. TRADEMARK APPLICATIONS OF THE GRANTOR APPLICATION NO. FILING DATE APPLICANT MARK B-2. FORM OF SECURITY AGREEMENT See attached. EXHIBIT D (to Note Purchase Agreement) THIS SECURITY AGREEMENT (this "Agreement"), dated as of April 19, 2002, is made among The Chalone Wine Group, Ltd., a California corporation (the "Borrower"), Canoe Ridge Vineyard, L.L.C., a Washington limited liability company ("Canoe Ridge"), SHW Equity Co., a Washington corporation ("SHW"), Staton Hills Winery Company Limited, a Washington corporation ("Staton Hills"), Canoe Ridge Winery, Inc. a Washington corporation ("CRW") (the Borrower, Canoe Ridge, CRW, SHW and Staton Hills, individually a "Debtor" and collectively, the "Debtors") and Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch ("Rabobank"), as Collateral Agent. The Borrower, certain lenders and Rabobank, as issuer of letters of credit (in such capacity, the "Issuing Lender"), as swingline lender (in such capacity, the "Swingline Lender") and as administrative agent (in such capacity, the "Agent"), are parties to a Credit Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Credit Agreement") pursuant to which the Lenders have made available to the Borrower a revolving credit facility and term loan facility, as provided therein. The Borrower is also party to those separate and several Note Purchase Agreements, each dated as of September 15, 2000 (collectively, the "Original Note Agreements"), entered into by the Borrower with each of the Purchasers listed on Schedule A thereto, under and pursuant to which the Noteholders purchased $5,000,000 8.75% Senior Guaranteed Notes, Series A, due September 15, 2010, $10,000,000 Senior Guaranteed Notes, Series B, due September 15, 2010 and $15,000,000 Senior Guaranteed Notes, Series C, due September 15, 2010 (collectively, the "Original Senior Notes") of the Borrower. The Borrower has requested that the Noteholders amend and restate the Original Note Agreements, amend and restate the Original Senior Notes, and the Noteholders are willing to enter into and execute those certain Amended and Restated Note Purchase Agreements each dated April 19, 2002 (as the same may hereafter be amended, modified and/or restated from time to time, collectively, the "Amended and Restated Note Agreement") and are willing to amend and restate the Original Senior Notes pursuant to the terms thereof (as so amended, the "Amended and Restated Senior Secured Notes"). It is a condition precedent to the borrowings and the issuance of letters of credit under the Credit Agreement and the amendment and restatement of the Original Senior Notes as provided in the Amended and Restated Note Agreement and the Amended and Restated Senior Notes that each Debtor enter into this Agreement and grant to the Collateral Agent, for itself and for the ratable benefit of the Agent, the Lenders and the Noteholders, the security interests hereinafter provided to secure the obligations of the Debtors as described below. The Collateral Agent, the Agent, the Lenders, the Noteholders and the Debtors have entered into an Intercreditor and Collateral Agency Agreement dated as of April 19, 2002 (as amended, restated, supplemented or otherwise modified from time to time, the "Intercreditor Agreement") pursuant to which, among other things, the Lenders and Noteholders have agreed (i) to the appointment of Rabobank as Collateral Agent and (ii) to the relative priority of their security interests in the Collateral and the manner and order in which certain rights and remedies of the Lenders and Noteholders may be exercised, all as provided therein. 1 Accordingly, the parties hereto agree as follows: SECTION 1 DEFINITIONS; INTERPRETATION. (a) TERMS DEFINED IN CREDIT AGREEMENT. All capitalized terms used in this Agreement (including in the preamble and recitals hereof) and not otherwise defined herein shall have the meanings assigned to them in the Credit Agreement. (b) CERTAIN DEFINED TERMS. As used in this Agreement (including in the preamble and recitals hereof), the following terms shall have the following meanings: "ACCOUNTS" means any and all of any Debtor's accounts, as such term is defined in Section 9-102 of the UCC. "APPRAISED WINERY EQUIPMENT" means the equipment (including, without limitation, all crushing, pressing, processing, bottling and lab equipment, pumps, stainless steel cooperage and wood barrels) which is identified in the appraisal reports delivered by or on behalf of the Borrower to the Agent and the Noteholders prior to the date hereof in respect of the Acacia, Carmenet, Chalone, Canoe Ridge and Sageland vineyard properties and improvements. "BOOKS" means all books, records and other written, electronic or other documentation in whatever form maintained now or hereafter by or for any Debtor in connection with the ownership of its assets or the conduct of its business or evidencing or containing information relating to the Collateral, including: (i) ledgers; (ii) records indicating, summarizing, or evidencing any Debtor's assets (including Inventory and Rights to Payment), business operations or financial condition; (iii) computer programs and software; (iv) computer discs, tapes, files, manuals, spreadsheets; (v) computer printouts and output of whatever kind; (vi) any other computer prepared or electronically stored, collected or reported information and equipment of any kind; and (vii) any and all other rights now or hereafter arising out of any contract or agreement between any Debtor and any service bureau, computer or data processing company or other Person charged with preparing or maintaining any of such Debtor's books or records or with credit reporting, including with regard to such Debtor's Accounts. "BULK WINE" means any and all of any Debtor's bulk wine, whether held for sale in the bulk wine market or otherwise, and whether or not classified as "inventory" under Section 9-102 of the UCC. "CHATTEL PAPER" means any and all of any Debtor's chattel paper, as such term is defined in Section 9-102 of the UCC, including all Electronic Chattel Paper. "COLLATERAL" has the meaning set forth in Section 2. "COMMERCIAL TORT CLAIMS" means any and all of any Debtor's commercial tort claims, as such term is defined in Section 9-102 of the UCC, including any described in Schedule 1. "CONTROL AGREEMENT" means any control agreement or other agreement with any securities intermediary, bank or other Person establishing the Collateral Agent's control with 2 respect to any Deposit Accounts, Letter-of-Credit Rights or Investment Property, for purposes of UCC Sections 9-104, 9-106 and 9-107. "CREDIT FACILITY SECURED OBLIGATIONS" means the indebtedness, liabilities and other obligations of the Debtors and Edna Valley to the Collateral Agent, the Agent, the Lenders and the Indemnified Persons under or in connection with the Credit Agreement, the Revolving Notes, the Term Notes, the Guaranties, the Letters of Credit and the other Loan Documents, including all unpaid principal of the Loans, all unpaid drawings under Letters of Credit, all interest accrued thereon, all fees due under the Credit Agreement and the other Loan Documents and all other amounts payable by any Debtor or Edna Valley to the Collateral Agent, the Agent and the Lenders thereunder or in connection therewith, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "DEPOSIT ACCOUNT" means any deposit account, as such term is defined in Section 9-102 of the UCC, maintained by or for the benefit of any Debtor, whether or not restricted or designated for a particular purpose. "DOCUMENTS" means any of any Debtor's documents, as such term is defined in Section 9-102 of the UCC. "EDNA VALLEY" means Edna Valley Vineyard, a joint venture. "ELECTRONIC CHATTEL PAPER" means any and all of any Debtor's electronic chattel paper, as such term is defined in Section 9-102 of the UCC. "EQUIPMENT" means any and all of any Debtor's equipment, including any and all fixtures, as such terms are defined in Section 9-102 of the UCC. "EXCLUDED COLLATERAL" means the personal property listed on Schedule 2, to the extent such property relates to the Excluded Parcels, if any; PROVIDED, HOWEVER, that, notwithstanding anything to the contrary herein, the Appraised Winery Equipment shall not at any time constitute Excluded Collateral; AND PROVIDED FURTHER that, for the avoidance of doubt, it is agreed and acknowledged that Bulk Wine and Inventory shall not at any time constitute Excluded Collateral. "EXCLUDED PARCEL" means any real property of any Debtor that is not encumbered by a Deed of Trust. "FARM PRODUCTS" means any and all of any Debtor's farm products, as such term is defined in Section 9-102 of the UCC. "GENERAL INTANGIBLES" means any and all of any Debtor's general intangibles, as such term is defined in Section 9-102 of the UCC. "INSTRUMENTS" means any and all of such Debtors' instruments, as such term is defined in Section 9-102 of the UCC. 3 "INTELLECTUAL PROPERTY COLLATERAL" means the following properties and assets owned or held by any Debtor or in which any Debtor otherwise has any interest, now existing or hereafter acquired or arising: (i) all patents and patent applications, domestic or foreign, all licenses relating to any of the foregoing and all income and royalties with respect to any licenses (including such patents, patent applications and patent licenses as described in Schedule 1), all rights to sue for past, present or future infringement thereof, all rights arising therefrom and pertaining thereto and all reissues, divisions, continuations, renewals, extensions and continuations-in-part thereof; (ii) all copyrights and applications for copyright, domestic or foreign, together with the underlying works of authorship (including titles), whether or not the underlying works of authorship have been published and whether said copyrights are statutory or arise under the common law, and all other rights and works of authorship (including the copyrights and copyright applications described in Schedule 1), all computer programs, computer databases, computer program flow diagrams, source codes, object codes and all tangible property embodying or incorporating any copyrights, all licenses relating to any of the foregoing and all income and royalties with respect to any licenses, and all other rights, claims and demands in any way relating to any such copyrights or works, including royalties and rights to sue for past, present or future infringement, and all rights of renewal and extension of copyright; (iii) all state (including common law), federal and foreign trademarks, service marks and trade names, and applications for registration of such trademarks, service marks and trade names, all licenses relating to any of the foregoing and all income and royalties with respect to any licenses (including such marks, names, applications and licenses as described in Schedule 1), whether registered or unregistered and wherever registered, all rights to sue for past, present or future infringement or unconsented use thereof, all rights arising therefrom and pertaining thereto and all reissues, extensions and renewals thereof; (iv) all trade secrets, trade dress, trade styles, logos, other source of business identifiers, mask-works, mask-work registrations, mask-work applications, software, confidential information, customer lists, license rights, advertising materials, operating manuals, methods, processes, know-how, algorithms, formulae, databases, quality control procedures, product, service and technical specifications, operating, production and quality control manuals, sales literature, drawings, specifications, blue prints, descriptions, inventions, name plates and catalogs; (v) the entire goodwill of or associated with the businesses now or hereafter conducted by any Debtor connected with and symbolized by any of the aforementioned properties and assets; and (vi) all accounts, all intangible intellectual or other similar property and other general intangibles associated with or arising out of any of the aforementioned properties and assets and not otherwise described above. 4 "INVENTORY" means any of any Debtor's inventory, as such term is defined in Section 9-102 of the UCC. "INVESTMENT PROPERTY" means any of any Debtor's investment property, as such term is defined in Section 9-102 of the UCC. "LENDERS" means the lenders from time to time party to the Credit Agreement as "Lenders". References to the Lenders shall include references to Rabobank in its capacity as the Issuing Lender and the Swingline Lender; for purposes of clarification only, to the extent that Rabobank may have any rights or obligations in addition to those of the Lenders due to its status as the Issuing Lender or the Swingline Lender, its status as such will be specifically referenced. Unless the context otherwise clearly requires, the Lenders shall include any such Person in its capacity as Swap Provider. Unless the context otherwise clearly requires, references to any such Person as a Lender shall also include any of such Person's Affiliates that may at any time of determination be Swap Providers. "LETTER-OF-CREDIT RIGHTS" means any and all of any Debtor's letter-of-credit rights, as such term is defined in Section 9-102 of the UCC. "NOTEHOLDERS" means the noteholders from time to time holding one or more of the Amended and Restated Senior Secured Notes and in whose name such Amended and Restated Senior Secured Note(s) are registered in the register maintained by the Borrower pursuant to the Amended and Restated Note Agreement. "Private Placement Secured Obligations" means the indebtedness, liabilities and other obligations of the Debtors and Edna Valley to the Collateral Agent and the Noteholders under or in connection with the Amended and Restated Note Agreement, the Amended and Restated Senior Secured Notes, the Subsidiary Guarantee Agreement (as defined in the Amended and Restated Note Agreement) and the other Loan Documents (as defined in the Amended and Restated Note Agreement), including all unpaid principal of the Amended and Restated Senior Secured Notes, all interest accrued thereon, all fees due under the Amended and Restated Note Agreement and the other Loan Documents (as so defined) and all other amounts payable by any Debtor or Edna Valley to the Collateral Agent and the Noteholders thereunder or in connection therewith, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "PROCEEDS" means all proceeds, as such term is defined in Section 9-102 of the UCC. "RIGHTS TO PAYMENT" means any and all of any Debtor's Accounts and any and all of any Debtor's rights and claims to the payment or receipt of money or other forms of consideration of any kind in, to and under or with respect to its Chattel Paper, Documents, General Intangibles, Instruments, Investment Property, Letter-of-Credit Rights, Proceeds and Supporting Obligations. "SECURED OBLIGATIONS" means the Credit Facility Secured Obligations and the Private Placement Secured Obligations. 5 "SUPPORTING OBLIGATIONS" means all supporting obligations, as such term is defined in Section 9-102 of the UCC. "UCC" means the Uniform Commercial Code as the same may, from time to time, be in effect in the State of New York. (c) TERMS DEFINED IN UCC. Where applicable and except as otherwise defined herein, terms used in this Agreement shall have the meanings assigned to them in the UCC. (d) INTERPRETATION. The rules of interpretation set forth in Section 1.03 of the Credit Agreement shall be applicable to this Agreement and are incorporated herein by this reference. SECTION 2 SECURITY INTEREST. (a) GRANT OF SECURITY INTEREST. As security for the payment and performance of the Secured Obligations, each Debtor hereby grants to the Collateral Agent, for itself and on behalf of and for the ratable benefit of the Agent, the Lenders and the Noteholders, a security interest in all of such Debtor's right, title and interest in, to and under all of its personal property, wherever located and whether now existing or owned or hereafter acquired or arising, including the following property (collectively, the "Collateral"): (i) all Accounts; (ii) all Chattel Paper; (iii) all Commercial Tort Claims; (iv) all Deposit Accounts; (v) all Documents; (vi) all Equipment; (vii) all Farm Products, (viii) all General Intangibles; (ix) all Instruments; (x) all Inventory; (xi) all Investment Property; (xii) all Letter-of-Credit Rights; and (xii) all money, all products and Proceeds of any and all of the foregoing, and all Supporting Obligations of any and all of the foregoing. Notwithstanding the foregoing, except for fixtures (as provided in Section 9-313 of the UCC), such grant of a security interest shall not extend to, and the term "Collateral" shall not include, any asset which would be real property under the law of the jurisdiction in which it is located or any Excluded Collateral. (b) DEBTOR REMAINS LIABLE. Anything herein to the contrary notwithstanding, (i) each Debtor shall remain liable under any contracts, agreements and other documents included in the Collateral, to the extent set forth therein, to perform all of its duties and obligations thereunder to the same extent as if this Agreement had not been executed, (ii) the exercise by the Collateral Agent of any of the rights hereunder shall not release such Debtor from any of its duties or obligations under such contracts, agreements and other documents included in the Collateral, and (iii) the Collateral Agent shall not have any obligation or liability under any contracts, agreements and other documents included in the Collateral by reason of this Agreement, nor shall the Collateral Agent be obligated to perform any of the obligations or duties of such Debtor thereunder or to take any action to collect or enforce any such contract, agreement or other document included in the Collateral hereunder. (c) CONTINUING SECURITY INTEREST. Each Debtor agrees that this Agreement shall create a continuing security interest in the Collateral which shall remain in effect until terminated in accordance with Section 22. SECTION 3 PERFECTION AND PRIORITY. 6 (a) FINANCING STATEMENTS. Each Debtor shall execute and deliver to the Collateral Agent concurrently with the execution of this Agreement, and such Debtor hereby authorizes the Collateral Agent to file (with or without such Debtor's signature), at any time and from time to time thereafter, all financing statements, continuation financing statements, termination statements, security agreements relating to the Intellectual Property Collateral, if any, assignments, fixture filings, affidavits, reports, notices and other documents and instruments, in form satisfactory to the Collateral Agent, and take all other action, as the Collateral Agent may request, to perfect and continue perfected, maintain the priority of or provide notice of the Collateral Agent's security interest in the Collateral and to accomplish the purposes of this Agreement. Without limiting the generality of the foregoing, each Debtor ratifies and authorizes the filing by the Collateral Agent of any financing statements filed prior to the date hereof. (b) BAILEES. Any Person (other than the Collateral Agent) at any time and from time to time holding all or any portion of the Collateral shall be deemed to, and shall, hold the Collateral as the agent of, and as pledge holder for, the Collateral Agent. At any time and from time to time, the Collateral Agent may give notice to any such Person holding all or any portion of the Collateral that such Person is holding the Collateral as the agent and bailee of, and as pledge holder for, the Collateral Agent, and obtain such Person's written acknowledgment thereof. Without limiting the generality of the foregoing, such Debtor will join with the Collateral Agent in notifying any Person who has possession of any Collateral of the Collateral Agent's security interest therein and obtaining an acknowledgment from such Person that it is holding the Collateral for the benefit of the Collateral Agent. (c) CONTROL. Each Debtor will cooperate with the Collateral Agent in obtaining control (as defined in the UCC) of Collateral consisting of any Deposit Accounts, Electronic Chattel Paper, Investment Property or Letter-of-Credit Rights. SECTION 4 REPRESENTATIONS AND WARRANTIES. In addition to the representations and warranties of the Debtors set forth in the Credit Agreement, which are incorporated herein by this reference, each Debtor represents and warrants to the Agent, each Lender, each Noteholder and the Collateral Agent that: (a) LOCATION OF CHIEF EXECUTIVE OFFICE AND COLLATERAL. Its chief executive office and principal place of business (as of the date of this Agreement) is located at the address set forth in Schedule 1; and all other locations (as of the date of this Agreement) where such Debtor conducts business or Collateral is kept are set forth in Schedule 1. (b) LOCATIONS OF BOOKS. All locations where Books pertaining to the Rights to Payment are kept, including all equipment necessary for accessing such Books and the names and addresses of all service bureaus, computer or data processing companies and other Persons keeping any Books or collecting Rights to Payment for such Debtor, are set forth in Schedule 1. (c) JURISDICTION OF ORGANIZATION AND NAMES. Each Debtor's jurisdiction of organization is set forth in Schedule 1; and each Debtor's exact legal name is as set forth in the first paragraph of this Agreement. All trade names and trade styles under which any Debtor presently conducts its business operations are set forth in Schedule 1, and, except as set forth in Schedule 1, each Debtor has not, at any time in the past: (i) been known as or used any other 7 corporate, trade or fictitious name; (ii) changed its name; (iii) been the surviving or resulting corporation in a merger or consolidation; or (iv) acquired through asset purchase or otherwise any business of any Person. (d) COLLATERAL. Each Debtor has rights in or the power to transfer the Collateral, and such Debtor is, and, except as permitted by Section 5(i), will continue to be, the sole and complete owner of the Collateral (or, in the case of after-acquired Collateral, at the time such Debtor acquires rights in such Collateral, will be the sole and complete owner thereof), free from any Lien other than Permitted Liens. (e) ENFORCEABILITY; PRIORITY OF SECURITY INTEREST. (i) This Agreement creates a security interest which is enforceable against the Collateral in which any Debtor now has rights and will create a security interest which is enforceable against the Collateral in which any Debtor hereafter acquires rights at the time such Debtor acquires any such rights, subject to the Permitted Liens and the Intercreditor Agreement; and (ii) the Collateral Agent has a perfected and first priority security interest in the Collateral in which any Debtor now has rights, and will have a perfected and first priority security interest in the Collateral in which such Debtor hereafter acquires rights at the time such Debtor acquires any such rights, in each case securing the payment and performance of the Secured Obligations and subject to Permitted Liens and the Intercreditor Agreement. (f) OTHER FINANCING STATEMENTS. Other than (i) financing statements disclosed to the Agent, the Noteholders and the Lenders in writing, and (ii) financing statements in favor of the Collateral Agent on behalf of itself, the Agent, the Lenders and the Noteholders, no effective financing statement naming any Debtor as debtor, assignor, grantor, mortgagor, pledgor or the like and covering all or any part of the Collateral is on file in any filing or recording office in any jurisdiction. (g) RIGHTS TO PAYMENT. (i) The Rights to Payment represent valid, binding and enforceable obligations of the account debtors or other Persons obligated thereon, representing undisputed, bona fide transactions completed in accordance with the terms and provisions contained in any documents related thereto, and are and will be genuine, free from Liens, and not subject to any adverse claims, counterclaims, setoffs, defaults, disputes, defenses, discounts, retainages, holdbacks or conditions precedent of any kind or character, except to the extent reflected by any Debtor's reserves for uncollectible Rights to Payment or to the extent, if any, that such account debtors or other Persons may be entitled to normal and ordinary course trade discounts, returns, adjustments and allowances in accordance with Section 5(m), or as otherwise disclosed to the Collateral Agent, the Agent, the Lenders and the Noteholders in writing; (ii) to the best of each Debtor's knowledge and belief, all account debtors and other obligors on the Rights to Payment are solvent and generally paying their debts as they come due; 8 (iii) all Rights to Payment comply with all applicable laws concerning form, content and manner of preparation and execution, including where applicable any federal or state consumer credit laws; (iv) no Debtor has assigned any of its rights under the Rights to Payment except as provided in this Agreement or as set forth in the other Loan Documents; (v) with respect to the Rights to Payment constituting Eligible Receivables, except as disclosed in writing to the Agent and the Lenders, no Debtor has any knowledge that any of the criteria for eligibility are not or are no longer satisfied; (vi) all statements made, all unpaid balances and all other information in the Books and other documentation relating to the Rights to Payment are true and correct and in all respects what they purport to be; and (vii) no Debtor has any knowledge of any fact or circumstance which would impair the validity or collectibility of any of the Rights to Payment. (h) INVENTORY. No Inventory or Farm Products is stored with any bailee or warehouseman or similar Person or on any premises leased to any Debtor, nor has any Inventory or Farm Products been consigned to any Debtor or consigned by any Debtor to any Person or is held by any Debtor for any Person under any "bill and hold" or other arrangement, except as set forth in Schedule 1; and with respect to the Inventory constituting Eligible Inventory, except as disclosed in writing to the Agent and the Lenders, no Debtor has any knowledge that any of the criteria for eligibility are not or are no longer satisfied. (i) INTELLECTUAL PROPERTY. (i) Except as set forth in Schedule 1, no Debtor (directly or through any Subsidiary) owns, possesses or uses under any licensing arrangement any patents, copyrights, trademarks, service marks or trade names, nor is there currently pending before any Governmental Authority any application for registration of any patent, copyright, trademark, service mark or trade name; (ii) all patents, copyrights, trademarks, service marks and trade names are subsisting and have not been adjudged invalid or unenforceable in whole or in part; (iii) all maintenance fees required to be paid on account of any patents have been timely paid for maintaining such patents in force, and, to the best of each Debtor's knowledge, each of the patents is valid and enforceable and each Debtor has notified the Agent, the Lenders and the Noteholders in writing of all prior art (including public uses and sales) of which it is aware; (iv) to the best of each Debtor's knowledge after due inquiry, no material infringement or unauthorized use presently is being made of any Intellectual Property Collateral by any Person; 9 (v) each Debtor is the sole and exclusive owner of its Intellectual Property Collateral and the past, present and contemplated future use of such Intellectual Property Collateral by such Debtor has not, does not and will not infringe or violate any right, privilege or license agreement of or with any other Person; and (vi) each Debtor owns, has material rights under, is a party to, or an assignee of a party to all material licenses, patents, patent applications, copyrights, service marks, trademarks, trademark applications, trade names and all other Intellectual Property Collateral necessary to continue to conduct its business as heretofore conducted. (j) EQUIPMENT. (i) None of the Equipment constituting Collateral or other Collateral is affixed to real property, except Collateral with respect to which each Debtor has supplied the Collateral Agent, the Agent, the Lenders and the Noteholders with all information and documentation necessary to make all fixture filings required to perfect and protect the priority of the Collateral Agent's security interest in all such Collateral which may be fixtures as against all Persons having an interest in the premises to which such property may be affixed; (ii) none of the Equipment constituting Collateral is leased from or to any Person, except as set forth on Schedule 1 or as otherwise disclosed to the Collateral Agent, the Agent, the Lenders and the Noteholders in writing; (iii) the Appraised Winery Equipment has an aggregate appraised value of not less than $6,590,000, as set forth in the appraisal reports previously delivered to the Agent and the Noteholders prior to the date hereof; and (iv) the Appraised Winery Equipment is owned by one or more of the Debtors free and clear of all Liens, rights and interests of any other Person. (k) DEPOSIT ACCOUNTS. The names and addresses of all financial institutions at which any Debtor maintains its Deposit Accounts, and the account numbers and account names of such Deposit Accounts, are set forth in Schedule 1. (l) INVESTMENT PROPERTY; INSTRUMENTS; AND CHATTEL PAPER. All securities accounts of any Debtor and other Investment Property of any Debtor are set forth in Schedule 1, and all Instruments and Chattel Paper held by any Debtor are also set forth in Schedule 1. (m) CONTROL AGREEMENTS. No Control Agreements exist with respect to any Collateral other than any Control Agreements in favor of the Collateral Agent. (n) LETTER-OF-CREDIT RIGHTS. No Debtor has any Letter-of-Credit Rights except as set forth in Schedule 1. (o) COMMERCIAL TORT CLAIMS. No Debtor has any Commercial Tort Claims except as set forth in Schedule 1. 10 (p) LEASES. No Debtor is nor will not become a lessee under any real property lease or other agreement governing the location of Collateral at the premises of another Person pursuant to which the lessor or such other Person may obtain any rights in any of the Collateral, and no such lease or other such agreement now prohibits, restrains, impairs or will prohibit, restrain or impair any Debtor's right to remove any Collateral from the premises at which such Collateral is situated, except for the usual and customary restrictions contained in leases of real property. (q) CONSIDERATION. Each Debtor has received at least reasonably equivalent value and more than sufficient consideration to support the indebtedness, obligations, liens and security interests created hereunder and under the other Loan Documents to which such Debtor is a party. Each Debtor acknowledges that it will derive substantial direct and indirect benefits from the making of the Loans to the Borrower and the issuances of letters of credit pursuant to the Credit Agreement and, without limiting the generality of the foregoing, agrees to the inclusion of such Debtor's assets in the Borrowing Base as provided in the Credit Agreement. SECTION 5 COVENANTS. In addition to the covenants of each Debtor set forth in the Credit Agreement and the other Loan Documents and in the Amended and Restated Note Agreement and the other Loan Documents (as defined in the Amended and Restated Note Agreement), so long as any of the Secured Obligations remain unsatisfied or any Lender shall have any Commitment, each Debtor agrees that: (a) DEFENSE OF COLLATERAL. It will appear in and defend any action, suit or proceeding which may affect to a material extent its title to, or right or interest in, or the Collateral Agent's right or interest in, the Collateral. (b) PRESERVATION OF COLLATERAL. It will do and perform all reasonable acts that may be necessary and appropriate to maintain, preserve and protect the Collateral. (c) COMPLIANCE WITH LAWS, ETC. It will comply with all laws, regulations and ordinances, and all policies of insurance, relating in a material way to the possession, operation, maintenance and control of the Collateral. (d) LOCATION OF BOOKS AND CHIEF EXECUTIVE OFFICE. It will: (i) keep all Books pertaining to the Rights to Payment at the locations set forth in Schedule 1; and (ii) give at least 30 days' prior written notice to the Collateral Agent, the Agent and the Noteholders of (a) any changes in any such location where Books pertaining to the Rights to Payment are kept, including any change of name or address of any service bureau, computer or data processing company or other Person preparing or maintaining any Books or collecting Rights to Payment for the Debtor or (b) any change in the location of its chief executive office or principal place of business. (e) LOCATION OF COLLATERAL. It will: (i) keep the Collateral at the locations set forth in Schedule 1 and not remove the Collateral from such locations (other than disposals of Collateral permitted by subsection (i) below) except upon at least 30 days' prior written notice of any removal to the Collateral Agent, the Agent and the Noteholders; and (ii) give the Collateral 11 Agent, the Agent and the Noteholders at least 30 days' prior written notice of any change in the locations set forth in Schedule 1. (f) CHANGE IN NAME, IDENTITY OR STRUCTURE. It will give at least 30 days' prior written notice to the Collateral Agent, the Agent and the Noteholders of (i) any change in its name, (ii) any change in its jurisdiction of organization, (iii) any change in its registration as an organization (or any new such registration); and (iv) any changes in its identity or structure in any manner which might make any financing statement filed hereunder incorrect or misleading; provided that it shall not change its jurisdiction of organization to a jurisdiction outside of the United States. (g) MAINTENANCE OF RECORDS. It will keep separate, accurate and complete Books with respect to the Collateral, disclosing the Collateral Agent's security interest hereunder. (h) INVOICING OF SALES. It will invoice all of its sales upon forms customary in the industry and to maintain proof of delivery and customer acceptance of goods. (i) DISPOSITION OF COLLATERAL. It will not surrender or lose possession of (other than to the Collateral Agent), sell, lease, rent, or otherwise dispose of or transfer any of the Collateral or any right or interest therein, except to the extent permitted by the Credit Agreement and the Amended and Restated Note Agreement; provided that no such disposition or transfer of Investment Property or Instruments shall be permitted while any Event of Default exists. (j) LIENS. It will keep the Collateral free of all Liens except Permitted Liens. (k) EXPENSES. It will pay all expenses of protecting, storing, warehousing, insuring, handling and shipping the Collateral. (l) LEASED PREMISES. At the Collateral Agent's, the Agent's or the Noteholders' request, it will obtain from each Person from whom it leases any premises at which any Collateral is at any time present such collateral access, subordination, waiver, consent and estoppel agreements as the Collateral Agent, the Agent or the Noteholders may require, in form and substance satisfactory to the Collateral Agent, the Agent and the Noteholders. (m) RIGHTS TO PAYMENT. It will: (i) give only normal discounts, allowances and credits as to Accounts and other Rights to Payment, in the ordinary course of business, according to normal trade practices utilized by it in the past, and enforce all Accounts and other Rights to Payment strictly in accordance with their terms, and take all such action to such end as may from time to time be reasonably requested by the Collateral Agent, the Agent or the Noteholders, except that it may grant any extension of the time for payment or enter into any agreement to make a rebate or otherwise to reduce the amount owing on or with respect to, or compromise or settle for less than the full amount thereof, any Account or other Right to Payment, in the ordinary course of business, according to normal trade practices utilized by it in the past, and where the amount involved does not exceed $1,500,000 or where the Account or Right to Payment does not exceed $1,500,000 or would not be materially impaired; 12 (ii) if any discount, allowance, credit, extension of time for payment, agreement to make a rebate or otherwise to reduce the amount owing on, or compromise or settle, an Account or other Right to Payment exists or occurs, or if, to the knowledge of it, any dispute, setoff, claim, counterclaim or defense exists or has been asserted or threatened with respect to an Account or other Right to Payment, disclose such fact fully to the Collateral Agent, the Agent and the Noteholders in the Books relating to such Account or other Right to Payment and in connection with any invoice or report furnished by it to the Collateral Agent, the Agent and the Noteholders relating to such Account or other Right to Payment; (iii) if any Accounts arise from contracts with the United States or any department, agency or instrumentality thereof, immediately notify the Collateral Agent, the Agent and the Noteholders thereof and, upon the request of the Collateral Agent, the Agent or the Noteholders, execute any documents and instruments and take any other steps requested by the Collateral Agent, the Agent or the Noteholders in order that all monies due and to become due thereunder shall be assigned to the Collateral Agent and notice thereof given to the Federal authorities under the Federal Assignment of Claims Act; (iv) in accordance with its sound business judgment perform and comply in all material respects with its obligations in respect of the Accounts and other Rights to Payment; (v) upon the request of the Collateral Agent, the Agent or the Noteholders while an Event of Default exists, (a) at any time, notify all or any designated portion of the account debtors and other obligors on the Rights to Payment of the security interest hereunder, and (b) notify the account debtors and other obligors on the Rights to Payment or any designated portion thereof that payment shall be made directly to the Collateral Agent or to such other Person or location as the Collateral Agent shall specify; and (vi) upon the occurrence of any Event of Default, establish such lockbox or similar arrangements for the payment of the Accounts and other Rights to Payment as the Collateral Agent, the Agent or the Noteholders shall reasonably require. (n) INSTRUMENTS, Investment Property, Etc. Upon the request of the Collateral Agent, the Agent or the Noteholders it will (i) immediately deliver to the Collateral Agent, or an agent designated by it, appropriately endorsed or accompanied by appropriate instruments of transfer or assignment, all Instruments, Documents, Chattel Paper and certificated securities with respect to any Investment Property, all letters of credit, and all other Rights to Payment at any time evidenced by promissory notes, trade acceptances or other instruments, (ii) cause any securities intermediaries to show on their books that the Collateral Agent is the entitlement holder with respect to any Investment Property, and/or obtain Control Agreements in favor of the Collateral Agent from such securities intermediaries, in form and substance satisfactory to the Collateral Agent, the Agent and the Noteholders with respect to any Investment Property, as requested by Collateral Agent, and (iii) provide such notice, obtain such acknowledgments and take all such other action, with respect to any Chattel Paper, Documents and Letter-of Credit Rights, as the Collateral Agent, the Agent or the Noteholders shall reasonably specify. 13 (o) DEPOSIT ACCOUNTS AND SECURITIES ACCOUNTS. It will give the Collateral Agent, the Agent and the Noteholders immediate written notice of the establishment of any new Deposit Account and any new securities account with respect to any Investment Property. (p) INVENTORY. It will: (i) upon the request of the Collateral Agent (which, except upon the occurrence and during the continuation of an Event of Default, shall not be given more than once in any 12-month period), take a physical listing of the Inventory and promptly deliver a copy of such physical listing to the Collateral Agent; and (ii) not store any Inventory or Farm Products with a bailee, warehouseman or similar Person or on premises leased to the Debtor, nor dispose of any Inventory or Farm Products on a bill-and-hold, guaranteed sale, sale and return, sale on approval, consignment or similar basis, nor acquire any Inventory or Farm Products from any Person on any such basis. (q) EQUIPMENT. It will, upon the Collateral Agent's request (which, except upon the occurrence and during the continuation of an Event of Default shall not be given more than once in any 12-month period), deliver to the Collateral Agent a report of each item of Equipment, in form and substance satisfactory to the Collateral Agent. (r) INTELLECTUAL PROPERTY COLLATERAL. It will: (i) not enter into any agreement (including any license or royalty agreement) pertaining to any Intellectual Property Collateral, except for non-exclusive licenses in the ordinary course of business, without in each case the prior written consent of the Collateral Agent; (ii) not allow or suffer any Intellectual Property Collateral to become abandoned, nor any registration thereof to be terminated, forfeited, expired or dedicated to the public; (iii) promptly give the Collateral Agent, the Agent and the Noteholders notice of any rights it may obtain to any new patentable inventions, copyrightable works or other new Intellectual Property Collateral, prior to the filing of any application for registration thereof; and (iv) diligently prosecute all applications for patents, copyrights and trademarks, and file and prosecute any and all continuations, continuations-in-part, applications for reissue, applications for certificate of correction and like matters as shall be reasonable and appropriate in accordance with prudent business practice, and promptly and timely pay any and all maintenance, license, registration and other fees, taxes and expenses incurred in connection with any Intellectual Property Collateral. (s) NOTICES, REPORTS AND INFORMATION. It will (i) notify the Collateral Agent, the Agent and the Noteholders of any other modifications of or additions to the information contained in SCHEDULE 1; (ii) notify the Collateral Agent, the Agent and the Noteholders of any material claim made or asserted against the Collateral by any Person and of any change in the composition of the Collateral (other than in the ordinary course of business) or other event which 14 could materially adversely affect the value of the Collateral or the Collateral Agent's Lien thereon; (iii) furnish to the Collateral Agent, the Agent and the Noteholders such statements and schedules further identifying and describing the Collateral and such other reports and other information in connection with the Collateral as the Collateral Agent, the Agent or the Noteholders may reasonably request, all in reasonable detail; and (iv) upon request of the Collateral Agent, the Agent or the Noteholders make such demands and requests for information and reports as the Debtor is entitled to make in respect of the Collateral. (t) CHATTEL PAPER. It will not create any Chattel Paper without placing a legend on the Chattel Paper acceptable to the Collateral Agent, the Agent and the Noteholders indicating that the Collateral Agent has a security interest in the Chattel Paper. It will give the Collateral Agent, the Agent and the Noteholders immediate notice if it at any time holds or acquires an interest in any Chattel Paper, including any Electronic Chattel Paper. (u) COMMERCIAL TORT CLAIMS. It will give the Collateral Agent, the Agent and the Noteholders immediate notice if it shall at any time hold or acquire any Commercial Tort Claim. (v) LETTER-OF-CREDIT RIGHTS. It will give the Collateral Agent, the Agent and the Noteholders immediate notice if it shall at any time hold or acquire any Letter-of-Credit Rights. SECTION 6 RIGHTS TO PAYMENT. (a) COLLECTION OF RIGHTS TO PAYMENT. Until the Collateral Agent exercises its rights hereunder to collect Rights to Payment, each Debtor shall endeavor in the first instance diligently to collect all amounts due or to become due on or with respect to the Rights to Payment. At the request of the Collateral Agent, the Agent or the Noteholders, upon and after the occurrence of any Event of Default, and while such Event of Default is continuing, all remittances received by any Debtor shall be held in trust for the Collateral Agent and, in accordance with the Collateral Agent's instructions, remitted to the Collateral Agent or deposited to an account with the Collateral Agent in the form received (with any necessary endorsements or instruments of assignment or transfer). (b) INVESTMENT PROPERTY AND INSTRUMENTS. At the request of the Collateral Agent, the Agent or the Noteholders, upon and after the occurrence of any Event of Default and while such Event of Default is continuing, the Collateral Agent shall be entitled to receive all distributions and payments of any nature with respect to any Investment Property or Instruments, and all such distributions or payments received by any Debtor shall be held in trust for the Collateral Agent and, in accordance with the Collateral Agent's instructions, remitted to the Collateral Agent or deposited to an account with the Collateral Agent in the form received (with any necessary endorsements or instruments of assignment or transfer). Following the occurrence of an Event of Default any such distributions and payments with respect to any Investment Property held in any securities account shall be held and retained in such securities account, in each case as part of the Collateral hereunder. Additionally, the Collateral Agent shall have the right, upon the occurrence of an Event of Default and while such Event of Default is continuing, following prior written notice to the Debtors, to vote and to give consents, ratifications and waivers with respect to any Investment Property and Instruments, and to exercise all rights of conversion, exchange, subscription or any other rights, privileges or options pertaining thereto, 15 as if the Collateral Agent were the absolute owner thereof; provided that the Collateral Agent shall have no duty to exercise any of the foregoing rights afforded to it and shall not be responsible to any Debtor or any other Person for any failure to do so or delay in doing so. SECTION 7 AUTHORIZATION; COLLATERAL AGENT APPOINTED ATTORNEY-IN-FACT. The Collateral Agent shall have the right to, in the name of any Debtor, or in the name of the Collateral Agent or otherwise, without notice to or assent by the Debtors, and each Debtor hereby constitutes and appoints the Collateral Agent (and any of the Collateral Agent's officers or employees or Collateral Agents designated by the Collateral Agent) as such Debtor's true and lawful attorney-in-fact, with full power and authority to: (i) sign and file any of the financing statements which must be executed or filed to perfect or continue perfected, maintain the priority of or provide notice of the Collateral Agent's security interest in the Collateral; (ii) take possession of and endorse any notes, acceptances, checks, drafts, money orders or other forms of payment or security and collect any Proceeds of any Collateral; (iii) sign and endorse any invoice or bill of lading relating to any of the Collateral, warehouse or storage receipts, drafts against customers or other obligors, assignments, notices of assignment, verifications and notices to customers or other obligors; (iv) send requests for verification of Rights to Payment to the customers or other obligors of any Debtor; (v) contact, or direct the Debtors to contact, all account debtors and other obligors on the Rights to Payment and instruct such account debtors and other obligors to make all payments directly to the Collateral Agent; (vi) assert, adjust, sue for, compromise or release any claims under any policies of insurance; (vii) exercise dominion and control over, and refuse to permit further withdrawals from, Deposit Accounts maintained with the Collateral Agent, any Lender or any other bank, financial institution or other Person; (viii) notify each Person maintaining lockbox or similar arrangements for the payment of the Rights to Payment to remit all amounts representing collections on the Rights to Payment directly to the Collateral Agent; (ix) ask, demand, collect, receive and give acquittances and receipts for any and all Rights to Payment, enforce payment or any other rights in respect of the Rights to Payment and other Collateral, grant consents, agree to any amendments, modifications or waivers of the agreements and documents governing the Rights to Payment and other Collateral, and otherwise file any claims, take any action or institute, defend, settle or adjust any actions, suits or proceedings with respect to the Collateral, as the Collateral Agent may deem necessary or desirable to maintain, preserve and protect the Collateral, to collect the Collateral or to enforce the rights of the Collateral Agent with respect to the Collateral; 16 (x) execute any and all applications, documents, papers and instruments necessary for the Collateral Agent to use the Intellectual Property Collateral and grant or issue any exclusive or non-exclusive license or sublicense with respect to any Intellectual Property Collateral; (xi) execute any and all endorsements, assignments or other documents and instruments necessary to sell, lease, assign, convey or otherwise transfer title in or dispose of the Collateral; (xii) execute and deliver to any securities intermediary or other Person any entitlement order or other notice, document or instrument which the Collateral Agent may reasonably deem necessary or advisable to maintain, protect, realize upon and preserve the Deposit Accounts and Investment Property and the Collateral Agent's security interest therein; and (xiii) execute any and all such other documents and instruments, and do any and all acts and things for and on behalf of the Debtors, which the Collateral Agent may reasonably deem necessary or advisable to maintain, protect, realize upon and preserve the Collateral and the Collateral Agent's security interest therein and to accomplish the purposes of this Agreement. The Collateral Agent agrees that, except upon and during the continuance of an Event of Default, it shall not exercise the power of attorney, or any rights granted to the Collateral Agent, pursuant to clauses (ii) through (xiii). The foregoing power of attorney is coupled with an interest and irrevocable so long as the Lenders have any Commitments or the Secured Obligations have not been paid and performed in full. Each Debtor hereby ratifies, to the extent permitted by law, all that the Collateral Agent shall lawfully and in good faith do or cause to be done by virtue of and in compliance with this Section 7. SECTION 8 COLLATERAL AGENT PERFORMANCE OF DEBTOR OBLIGATIONS. The Collateral Agent, the Agent or the Noteholders may perform or pay any obligation which the Debtors have agreed to perform or pay under this Agreement upon notice to the Debtors, if the Debtors have failed to timely perform or pay any such obligation, and each Debtor shall reimburse the Collateral Agent, the Agent or the Noteholders, as the case may be, on demand for any amounts paid by the Collateral Agent, the Agent or the Noteholders, as the case may be, pursuant to this Section 8. SECTION 9 [Reserved.] SECTION 10 REMEDIES. (a) Remedies. Upon the occurrence of any Event of Default and while such Event of Default is continuing, the Collateral Agent shall have, in addition to all other rights and remedies granted to it in this Agreement, all rights and remedies of a secured party under the UCC and other applicable laws. Without limiting the generality of the foregoing, each Debtor agrees that: (i) The Collateral Agent may peaceably and without notice enter any premises of any Debtor, take possession of any Collateral, remove or dispose of all or part of the 17 Collateral on any premises of any Debtor or elsewhere, or, in the case of Equipment, render it nonfunctional, and otherwise collect, receive, appropriate and realize upon all or any part of the Collateral, and demand, give receipt for, settle, renew, extend, exchange, compromise, adjust, or sue for all or any part of the Collateral, as the Collateral Agent may determine. (ii) The Collateral Agent may require any Debtor to assemble all or any part of the Collateral and make it available to the Collateral Agent, at any place and time designated by the Collateral Agent. (iii) The Collateral Agent may use or transfer any of any Debtor's rights and interests in any Intellectual Property Collateral, by license, by sublicense (to the extent permitted by an applicable license) or otherwise, on such conditions and in such manner as the Collateral Agent may determine. (iv) The Collateral Agent may secure the appointment of a receiver of the Collateral or any part thereof (to the extent and in the manner provided by applicable law). (v) The Collateral Agent may withdraw (or cause to be withdrawn) any and all funds from any Deposit Accounts or securities accounts. (vi) The Collateral Agent may sell, resell, lease, use, assign, transfer or otherwise dispose of any or all of the Collateral in its then condition or following any commercially reasonable preparation or processing (utilizing in connection therewith any of any Debtor's assets, without charge or liability to the Collateral Agent therefor) at public or private sale, by one or more contracts, in one or more parcels, at the same or different times, for cash or credit or for future delivery without assumption of any credit risk, all as the Collateral Agent deems advisable; PROVIDED, HOWEVER, that such Debtor shall be credited with the net proceeds of sale only when such proceeds are finally collected by the Collateral Agent. The Collateral Agent and each of the Lenders shall have the right upon any such public sale, and, to the extent permitted by law, upon any such private sale, to purchase the whole or any part of the Collateral so sold, free of any right or equity of redemption, which right or equity of redemption each Debtor hereby releases, to the extent permitted by law. The Collateral Agent shall give the Debtors such notice of any public or private sale as may be required by the UCC or other applicable law. Each Debtor recognizes that the Collateral Agent may be unable to make a public sale of any or all of the Investment Property, by reason of prohibitions contained in applicable securities laws or otherwise, and expressly agrees that a private sale to a restricted group of purchasers for investment and not with a view to any distribution thereof shall be considered a commercially reasonable sale. (vii) Neither the Collateral Agent, the Agent, any Noteholder nor any Lender shall have any obligation to clean up or otherwise prepare the Collateral for sale. The Collateral Agent has no obligation to attempt to satisfy the Secured Obligations by collecting them from any other Person liable for them and the Collateral Agent may release, modify or waive any Collateral provided by any other Person to secure any of the Secured Obligations, all without affecting the Collateral Agent's, the Agent's, any Noteholder's or any Lender's rights against any Debtor. Each Debtor waives any right it may have to require the Collateral Agent, the Agent, any Noteholder or any Lender to pursue any third Person for any of the Secured Obligations. 18 The Collateral Agent may comply with any applicable state or federal law requirements in connection with a disposition of the Collateral and compliance will not be considered adversely to affect the commercial reasonableness of any sale of the Collateral. The Collateral Agent may sell the Collateral without giving any warranties as to the Collateral. The Collateral Agent may specifically disclaim any warranties of title or the like. This procedure will not be considered adversely to affect the commercial reasonableness of any sale of the Collateral. If the Collateral Agent sells any of the Collateral upon credit, the Debtors will be credited only with payments actually made by the purchaser, received by the Collateral Agent and applied to the indebtedness of the purchaser. In the event the purchaser fails to pay for the Collateral, the Collateral Agent may resell the Collateral and the Debtors shall be credited with the proceeds of the sale. (b) LICENSE. For the purpose of enabling the Collateral Agent to exercise its rights and remedies under this Section 10 or otherwise in connection with this Agreement, each Debtor hereby grants to the Collateral Agent an irrevocable, non-exclusive and assignable license (exercisable without payment or royalty or other compensation to the Debtors) to use, license or sublicense any Intellectual Property Collateral. (c) PROCEEDS ACCOUNT. To the extent that any of the Secured Obligations may be contingent, unmatured or unliquidated (including with respect to undrawn amounts under the Letters of Credit) at such time as there may exist an Event of Default, the Collateral Agent may, at its election, (i) retain the proceeds of any sale, collection, disposition or other realization upon the Collateral (or any portion thereof) in a special purpose non-interest-bearing restricted deposit account (the "Proceeds Account") created and maintained by the Collateral Agent for such purpose (which shall constitute a Deposit Account included within the Collateral hereunder) until such time as the Collateral Agent may elect to apply such proceeds to the Secured Obligations, and each Debtor agrees that such retention of such proceeds by the Collateral Agent shall not be deemed strict foreclosure with respect thereto; (ii) in any manner elected by the Collateral Agent, estimate the liquidated amount of any such contingent, unmatured or unliquidated claims and apply the proceeds of the Collateral against such amount; or (iii) otherwise proceed in any manner permitted by applicable law. Each Debtor agrees that the Proceeds Account shall be a blocked account and that upon the irrevocable deposit of funds into the Proceeds Account, the Debtors shall not have any right of withdrawal with respect to such funds. Accordingly, each Debtor irrevocably waives until the termination of this Agreement in accordance with Section 22 the right to make any withdrawal from the Proceeds Account and the right to instruct the Collateral Agent to honor drafts against the Proceeds Account. (d) APPLICATION OF PROCEEDS. Subject to subsection (c), the cash proceeds actually received from the sale or other disposition or collection of Collateral, and any other amounts received in respect of the Collateral, shall be applied as provided in the Intercreditor Agreement. Any surplus thereof which exists after payment and performance in full of the Secured Obligations shall be promptly paid over to the Debtors or otherwise disposed of in accordance with the Intercreditor Agreement, the UCC or other applicable law. The Debtors shall remain liable to the Collateral Agent, the Agent, the Noteholders and the Lenders for any deficiency which exists after any sale or other disposition or collection of Collateral. SECTION 11 CERTAIN WAIVERS. Each Debtor waives, to the fullest extent permitted by law, (i) any right of redemption with respect to the Collateral, whether before or 19 after sale hereunder, and all rights, if any, of marshalling of the Collateral or other collateral or security for the Secured Obligations; (ii) any right to require the Collateral Agent, the Agent, the Noteholders or the Lenders (a) to proceed against any Person, (b) to exhaust any other collateral or security for any of the Secured Obligations, (c) to pursue any remedy in the Collateral Agent's, the Agent's, any Noteholder's or any of the Lenders' power, or (d) to make or give any presentments, demands for performance, notices of nonperformance, protests, notices of protests or notices of dishonor in connection with any of the Collateral; and (iii) all claims, damages, and demands against the Collateral Agent, the Agent, the Noteholders or the Lenders arising out of the repossession, retention, sale or application of the proceeds of any sale of the Collateral. SECTION 12 NOTICES. All notices or other communications hereunder shall be given in the manner and to the addresses specified in the Intercreditor Agreement. All such notices and other communications shall be deemed to be delivered when a record (within the meaning of the UCC) has been (i) delivered by hand; (ii) sent by mail, upon the earlier of the date of receipt or five Business Days after deposit in the mail, first class (or air mail, with respect to communications sent to or from the United States); (iii) sent by facsimile transmission, or (iv) sent by email. SECTION 13 NO WAIVER; Cumulative Remedies. No failure on the part of the Collateral Agent, the Agent, any Noteholder or any Lender to exercise, and no delay in exercising, any right, remedy, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, remedy, power or privilege preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. The rights and remedies under this Agreement are cumulative and not exclusive of any rights, remedies, powers and privileges that may otherwise be available to the Collateral Agent, the Agent, any Noteholder or any Lender. SECTION 14 COSTS AND EXPENSES; INDEMNIFICATION; OTHER CHARGES. (a) COSTS AND EXPENSES. Each Debtor agrees to pay on demand: (i) the reasonable out-of-pocket costs and expenses of the Collateral Agent and any of its Affiliates, and the reasonable fees and disbursements of counsel to the Collateral Agent (including allocated costs of internal counsel), in connection with the negotiation, preparation, execution, delivery and administration of this Agreement, and any amendments, modifications or waivers of the terms thereof, and the custody of the Collateral; (ii) all title, appraisal (including the allocated costs of internal appraisal services), survey, audit, consulting, search, recording, filing and similar fees, costs and expenses incurred or sustained by the Collateral Agent or any of its Affiliates in connection with this Agreement or the Collateral; and (iii) all costs and expenses of the Collateral Agent and its Affiliates and the fees and disbursements of counsel (including the allocated costs of internal counsel), in connection with the enforcement or attempted enforcement of, and preservation of any rights or interests under, this Agreement, any out-of-court workout or other refinancing or restructuring or in any bankruptcy case, and the protection, sale or collection of, or other realization upon, any of 20 the Collateral, including all expenses of taking, collecting, holding, sorting, handling, preparing for sale, selling, or the like, and other such expenses of sales and collections of Collateral, and any and all losses, costs and expenses sustained by the Collateral Agent as a result of any failure by any Debtor to perform or observe its obligations contained herein. (b) INDEMNIFICATION. Each Debtor hereby agrees to indemnify the Collateral Agent, any Affiliate thereof, and their respective directors, officers, employees, agents, counsel and other advisors (each an "Indemnified Person") against, and hold each of them harmless from, any and all liabilities, obligations, losses, claims, damages, penalties, actions, judgments, suits, costs, expenses or disbursements of any kind or nature whatsoever, including the reasonable fees and disbursements of counsel to an Indemnified Person (including allocated costs of internal counsel), which may be imposed on, incurred by, or asserted against any Indemnified Person, in any way relating to or arising out of this Agreement or the transactions contemplated hereby or any action taken or omitted to be taken by it hereunder (the "Indemnified Liabilities"); provided that the Debtors shall not be liable to any Indemnified Person for any portion of such Indemnified Liabilities to the extent they are found by a final decision of a court of competent jurisdiction to have resulted from such Indemnified Person's gross negligence or willful misconduct. If and to the extent that the foregoing indemnification is for any reason held unenforceable, each Debtor agrees to make the maximum contribution to the payment and satisfaction of each of the Indemnified Liabilities which is permissible under applicable law. (c) OTHER CHARGES. Each Debtor agrees to indemnify the Collateral Agent, the Agent, each Noteholder and each Lender against and hold each of them harmless from any and all present and future stamp, transfer, documentary and other such taxes, levies, fees, assessments and other charges made by any jurisdiction by reason of the execution, delivery, performance and enforcement of this Agreement. (d) INTEREST. Any amounts payable to the Collateral Agent, the Agent, any Noteholder or any Lender under this Section 14 or otherwise under this Agreement if not paid within 10 calendar days after demand shall thereafter bear interest until paid in full, at the rate of interest set forth in Section 4.02 of the Credit Agreement. SECTION 15 BINDING EFFECT. This Agreement shall be binding upon, inure to the benefit of and be enforceable by the Debtors, the Collateral Agent, the Agent, each Noteholder and each Lender and their respective successors and assigns and shall bind any Person who becomes bound as a debtor to this Agreement. SECTION 16 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK, EXCEPT AS REQUIRED BY MANDATORY PROVISIONS OF LAW AND TO THE EXTENT THE VALIDITY OR PERFECTION OF THE SECURITY INTERESTS HEREUNDER, OR THE REMEDIES HEREUNDER, IN RESPECT OF ANY COLLATERAL ARE GOVERNED BY THE LAW OF A JURISDICTION OTHER THAN NEW YORK. SECTION 17 ENTIRE AGREEMENT; AMENDMENT. This Agreement and the Intercreditor Agreement contains the entire agreement of the parties with respect to the subject 21 matter hereof and shall not be amended except by the written agreement of the parties hereto or as provided in the Intercreditor Agreement. SECTION 18 SEVERABILITY. Whenever possible, each provision of this Agreement shall be interpreted in such manner as to be effective and valid under all applicable laws and regulations. If, however, any provision of this Agreement shall be prohibited by or invalid under any such law or regulation in any jurisdiction, it shall, as to such jurisdiction, be deemed modified to conform to the minimum requirements of such law or regulation, or, if for any reason it is not deemed so modified, it shall be ineffective and invalid only to the extent of such prohibition or invalidity without affecting the remaining provisions of this Agreement, or the validity or effectiveness of such provision in any other jurisdiction. SECTION 19 COUNTERPARTS. This Agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute but one and the same agreement. SECTION 20 INCORPORATION OF PROVISIONS OF THE CREDIT AGREEMENT. To the extent the Credit Agreement contains provisions of general applicability to the Loan Documents, including any such provisions contained in Article XIII thereof, such provisions are incorporated herein by this reference. SECTION 21 NO INCONSISTENT REQUIREMENTS. Each Debtor acknowledges that this Agreement, the Credit Agreement, the other Loan Documents, the Amended and Restated Note Agreement and the other Loan Documents (as defined in the Amended and Restated Note Agreement) may contain covenants and other terms and provisions variously stated regarding the same or similar matters, and agrees that all such covenants, terms and provisions are cumulative and all shall be performed and satisfied in accordance with their respective terms. SECTION 22 FUTURE DEBTORS. At such time following the date hereof as any Person (an "Acceding Subsidiary") is required to accede hereto pursuant to the terms of Section 10.03(k) of the Credit Agreement, such Acceding Subsidiary shall execute and deliver to the Collateral Agent an accession agreement substantially in the form of Annex 1 (the "Accession Agreement'), signifying its agreement to be bound by the provisions of this Agreement as a Debtor to the same extent as if such Acceding Subsidiary had originally executed this Agreement as of the date hereof. SECTION 23 TERMINATION. Upon the termination of the Commitments of the Lenders, the surrender of the Letters of Credit and payment and performance in full of all Secured Obligations, the security interests created by this Agreement shall terminate and the Collateral Agent shall promptly execute and deliver to the Debtors such documents and instruments reasonably requested by the Debtors as shall be necessary to evidence termination of all security interests given by the Debtors to the Collateral Agent hereunder. [SIGNATURES FOLLOW.] 22 IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement, as of the date first above written. THE DEBTORS The Chalone Wine Group, Ltd., a California corporation By:_______________________________________ Name: Title: Canoe Ridge Vineyard, L.L.C., a Washington limited liability company By:_______________________________________ Name: Title: SHW Equity Co., a Washington corporation By:_______________________________________ Name: Title: Canoe Ridge Winery, Inc. By:_______________________________________ Name: Title: 23 THE COLLATERAL AGENT Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch By:_______________________________________ Name: Title: By:_______________________________________ Name: Title: 24 ANNEX 1 to the Security Agreement FORM OF ACCESSION AGREEMENT To: Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch ("Rabobank") Re: The Chalone Wine Group, Ltd. Ladies and Gentlemen: This Accession Agreement is made and delivered pursuant to Section 22 of that certain Security Agreement dated as of April 19, 2002 (as amended, modified, renewed or extended from time to time, the "Security Agreement"), made between each Debtor named in the signature pages thereof (each a "Debtor" and collectively, the "Debtors"), and Rabobank as Collateral Agent (the "Collateral Agent"). All capitalized terms used in this Accession Agreement and not otherwise defined herein shall have the meanings assigned to them in either the Security Agreement. The Chalone Wine Group, Ltd. (the "Borrower") is party to that certain Credit Agreement dated as of April 19, 2002 (the "Credit Agreement) by and among the Borrower, the Lenders from time to time party thereto and the Agent. The Borrower is also party to that certain Amended and Restated Note Purchase Agreement dated as of April19, 2002 (the "Note Agreement") by and among the Borrower and the Noteholders. The undersigned, ___________________________ [INSERT NAME OF ACCEDING SUBSIDIARY], a _____________________ [CORPORATION, PARTNERSHIP, LIMITED LIABILITY COMPANY, ETC.], hereby acknowledges for the benefit of the Collateral Agent, the Agent, the Lenders and the Noteholders that it shall be a "Debtor" for all purposes of the Security Agreement effective from the date hereof. The undersigned confirms that the representations and warranties set forth in Section 4 of the Security Agreement are true and correct as to the undersigned as of the date hereof. Without limiting the foregoing, the undersigned hereby agrees to perform all of the obligations of a Debtor under, and to be bound in all respects by the terms of, the Security Agreement, including Section 5 thereof, to the same extent and with the same force and effect as if the undersigned were an original signatory thereto. The undersigned hereby grants to the Collateral Agent, for itself and on behalf of and for the ratable benefit of the Agent, the Lenders and the Noteholders, a security interest in all of the undersigned's right, title and interest in, to and under all of its personal property (other than any Excluded Collateral), wherever located and A-1 whether now existing or owned or hereafter acquired or arising, including all Collateral, as security for the payment and performance of the Secured Obligations. Schedule 1 to the Security Agreement is hereby amended by adding Schedule 1 attached hereto to the Security Agreement. This Accession Agreement shall constitute a Loan Document under the Credit Agreement and a Loan Document under the Note Agreement. THIS ACCESSION AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK. IN WITNESS WHEREOF, the undersigned has executed this Accession Agreement, as of the date first above written. [SUBSIDIARY] By__________________________________ Name _______________________________ Title_______________________________ A-2 SCHEDULE 1 to the Security Agreement 1. Locations of Chief Executive Office and other Locations, including of Collateral a. Chief Executive Office and Principal Place of Business: 621 Airpark Road Napa, California 94558 b. Other locations where Debtors conducts business or Collateral is kept: (i) 2585 Biddle Ranch Road, San Louis Obispo, CA 93401 (ii) 1102 W. Cherry St. Walla Walla, WA 94362 (iii) 71 Gangl Rd. Wapato, WA 98951 (iv) Stonewall Canyon Road & Hwy 116 Soledad, CA 93960 (v) 1700 Moon Mountain Drive Sonoma, CA 95476 (vi) 14301 Arnold Drive Glen Ellen, CA 95442 (vii) 2750 Las Amigas Road Napa, CA 94558 (viii) 389 Fourth Street East Sonoma, CA 95476 (ix) 4910 Edna Road San Luis Obispo, CA 93401 (x) 5055 Solano Avenue Napa, CA 94558 (xi) #1 Vintage Lane Glen Ellen, CA 95442 S-1. 2. Locations of Books Pertaining to Rights to Payment 621 Airpark Road Napa, CA 94558 3. Jurisdiction of Organization. Chalone Wine Group, Ltd California Canoe Ridge Vineyard, L.L.C. Washington Canoe Ridge Winery, Inc. Washington SHW Equity Co. Washington Staton Hills Winery Company Limited Washington 4. Trade Names and Trade Styles; Other Corporate, Trade or Fictitious Names; Etc. Sageland Vineyards 5. Inventory Stored with Warehousemen or on Leased Premises, Etc. Henry Wine Group 531 Getty Court Suite A Benicia, CA 94510 Tiger Mountain Warehouse 19817 89th Avenue South Kent, WA 98301 Biagi Warehouse 787 Airpark Road Napa, CA 94558 6. Patents, Copyrights, Trademarks, Etc. Trademarks: ACACIA, CARMENET, CHALONE VINEYARD, GAVILAN, SAGELANDS, STATON HILLS, MISTY RIDGE and PHOENIX S-2. 7. Leased Equipment General office equipment leases; barrel leases with De Lage Landen. 8. Deposit Accounts Wells Fargo Bank 9. Investment Property None. 10. Instruments and Chattel Paper None 11. Commercial Tort Claims None 12. Letter-of-Credit Rights None S-3. SCHEDULE 2 to the Security Agreement Excluded Collateral All right, title and interest of the Debtor, if any, in and to all building material, building equipment and fixtures of every kind and nature whatsoever on said land or in any building, structure or improvement now or hereafter standing on an Excluded Parcel which are classified as fixtures under applicable law and which are used in connection with the operation, maintenance or protection of said buildings, structures and improvements as such (including, without limitation, all boilers, air conditioning, ventilating, plumbing, heating, lighting and electrical systems and apparatus, all communications equipment and intercom systems and apparatus, all sprinkler equipment and apparatus, all elevators and escalators, all irrigation systems, all wastewater treatment and disposal facilities, all vines and farm products growing thereon, and all trellises and the reversion or reversions, remainder or remainders, in and to said land, and together with the entire interest of the Debtor in and to all and singular the tenements, hereditaments, easements, rights of way, rights, privileges and appurtenances to said land, belonging or in anywise appertaining thereto, including, without limitation, the entire right, title and interest of the Debtor in, to and under any streets, ways, alleys, gores or strips of land adjoining said land, and all claims or demands whatsoever of the Debtor either in law or in equity, in possession or expectancy, of, in and to said land, together with all accessions, parts and appurtenances appertaining or attached thereto and all substitutions, renewals or replacements of and additions, improvements, accessions and accumulations to any and all thereof, and together with all rights, powers, privileges, options and other benefits of the Debtor, as lessor, under any leases including the right to collect any and all rents, profits or other income and the present and continuing right to make claim for, collect, receive and receipt for any and all of such rents, profits or other income (all of which properties are hereinafter referred to as the "Excluded Real Property Collateral"). All materials, furniture, furnishings, machinery, fixtures and equipment now or hereafter erected on or affixed to the Excluded Real Property Collateral and including, but not limited to, all heating, plumbing, lighting, water heating, cooking, laundry, refrigerating, incinerating, communications, ventilating and air conditioning equipment, building signs, disposals, dishwashers, telephone systems, sprinkler systems, fire extinguishing apparatus and equipment, water tanks, engines, machines, boilers, dynamos, stokers, elevators, motors, cabinets, shades, blinds, partitions, window screens, screen doors, storm windows, awnings, drapes, rugs and other floor coverings, furniture, furnishings, radios and television sets and wiring and antennae therefor, and all fixtures, accessions and appurtenances thereto, and all renewals or replacements of or substitutions for any of the foregoing, together with all other equipment, furnishings, fixtures, machinery and furniture owned by the Debtor now or hereafter attached or affixed to or used in and about the building or buildings now erected or hereafter to be erected on the Excluded Real Property Collateral, or otherwise located on the Excluded Real Property Collateral, and all fixtures, accessions and appurtenances thereto, and all renewals or replacements of or substitutions for any of the foregoing. All judgments, awards of damages, settlements and other compensation heretofore or hereafter made resulting from condemnation proceedings or the taking of the Excluded Real S-4. Property Collateral or any part thereof or any improvements now or at any time hereafter located thereon or any easement or other appurtenance thereto under the power of eminent domain, or any similar power or right (including any award from the United States Government at any time after the allowance of the claim therefor, the ascertainment of the amount thereof and the issuance of the warrant for the payment thereof), whether permanent or temporary, or for any damage (whether caused by such taking or otherwise) to said Excluded Real Property Collateral or any part thereof or the improvements thereon or any part thereof, or to any rights appurtenant thereto, including severance and consequential damage, and any award for change of grade of streets. All proceeds of the conversion, voluntary or involuntary, of any of the foregoing into cash or other liquidated claims, including, without limitation, all proceeds and payments of insurance related to the foregoing. S-5. FORM OF INTERCREDITOR AGREEMENT See attached. EXHIBIT E (to Note Purchase Agreement) AMENDED AND RESTATED INTERCREDITOR AND COLLATERAL AGENCY AGREEMENT THIS AMENDED AND RESTATED INTERCREDITOR AND COLLATERAL AGENCY AGREEMENT dated as of April 19, 2002 (this "AGREEMENT") is among (1) the Noteholders named in Schedule I hereto (collectively, the "NOTEHOLDERS") (2) the Facility Lenders named in Schedule II hereto (collectively, the "FACILITY LENDERS", the Noteholders and the Facility Lenders are collectively referred to as the "SECURED PARTIES"), (3) Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "RABOBANK INTERNATIONAL", New York Branch, as administrative agent for the Facility Lenders (the "AGENT") and (4) Cooperatieve Centrale Raiffeisen- Boerenleenbank B.A., "RABOBANK INTERNATIONAL", New York Branch, as collateral agent for the Agent and the Secured Parties (the "COLLATERAL AGENT") and acknowledged and agreed to by (x) each of Edna Valley Vineyard, a California general partnership ("EDNA VALLEY"), SHW Equity Co., a Washington corporation ("SHW EQUITY"), Canoe Ridge Vineyard, L.L.C., a Washington limited liability company ("CANOE RIDGE"), Canoe Ridge Winery, Inc., a Washington corporation ("CRW") and Staton Hills Winery Company Limited, a Washington corporation ("STATON HILLS") (Edna Valley, SHW Equity, Canoe Ridge, CRW and Staton Hills each a "SUBSIDIARY GUARANTOR" and collectively the "SUBSIDIARY GUARANTORS"), each of which Subsidiary Guarantors is a subsidiary of The Chalone Wine Group, Ltd., a California corporation (the "COMPANY"), and (y) the Company. Capitalized terms used herein and not otherwise defined herein shall have the meanings assigned thereto in Section 1 below. R E C I T A L S: A. Under and pursuant to the Credit Agreement dated as of April 19, 2002, among the Company, the Facility Lenders and the Agent, the Facility Lenders have made available to the Company Term Loans (as defined therein) in the aggregate principal amount of $17,500,000 and Revolving Loans (as defined therein) up to an aggregate principal amount of $55,000,000, together with a letter of credit subfacility and swingline loan subfacility (collectively, the "FACILITY DEBT") (such Credit Agreement, as the same may from time to time be amended, restated, supplemented or otherwise modified, the "CREDIT AGREEMENT"). B. Each of the Subsidiary Guarantors has executed and delivered a Guaranty (collectively, the "FACILITY GUARANTY") pursuant to which each of the Subsidiary Guarantors has irrevocably, absolutely and unconditionally guaranteed to the Facility Lenders the payment of the principal of, premium, if any, and interest on the Facility Debt and the payment and performance of all other obligations of the Company under the Credit Agreement and the other Loan Documents (as defined in the Credit Agreement), subject to certain limitations contained therein in the case of the guaranty of Edna Valley. C. Under and pursuant to the Amended and Restated Note Purchase Agreement dated as of April 19, 2002, among the Company and each of the Noteholders, the Company and the Noteholders have amended and restated the $30,000,000 aggregate principal amount of the Company's Senior Guaranteed Notes, Series A, B and C, Due September 15, 2010 originally issued and sold to the Noteholders on September 15, 2000 (collectively, the "NOTES") (such 1 Amended and Restated Note Purchase Agreement, as the same may from time to time be further amended, restated, supplemented or otherwise modified, the "NOTE AGREEMENT"). D. Each of the Subsidiary Guarantors has executed and delivered an Amended and Restated Subsidiary Guarantee Agreement (collectively, the "NOTEHOLDER GUARANTY") each dated as of April 19, 2002 pursuant to which the Subsidiary Guarantors amended and restated the Subsidiary Guarantee Agreement to which it was heretofore a party under and pursuant to which it has irrevocably, absolutely and unconditionally guaranteed to the Noteholders the payment of the principal of, premium, if any, and interest on the Notes and the payment and performance of all other obligations of the Company under the Note Agreement, subject to certain limitations contained therein in the case of the guaranty of Edna Valley. E. The Facility Guaranty and the Noteholder Guaranty are each referred to as a "SUBSIDIARY GUARANTY" and are collectively referred to as the "SUBSIDIARY GUARANTIES". F. The obligations of the Company and the Subsidiary Guarantors (hereinafter each referred to as a "GRANTOR" and collectively as the "GRANTORS") under the Note Agreement and the Noteholder Guaranty are secured by the Collateral Documents described below. G. The obligations of the Grantors under the Credit Agreement and the other Loan Documents (as defined in the Credit Agreement) also are secured by the Collateral Documents described below. H. Notwithstanding the time or order of attachment or perfection or any provisions to the contrary in any of the Collateral Documents or the fact that all Secured Obligations are secured by the same Collateral Documents, the Secured Parties desire that the interests of the Secured Parties in the Collateral subject to the Collateral Documents shall have the following priorities: (i) the Term Debt shall be secured on a senior basis by the Term Debt Priority Collateral and on a subordinate basis by the Revolving Debt Priority Collateral, (ii) the Revolving Debt shall be secured on a senior basis by the Revolving Debt Priority Collateral and on a subordinate basis by the Term Debt Priority Collateral, and (iii) the Term Debt and the Revolving Debt will be secured pari passu by a first Lien on the Patent and Trademark Collateral, all as provided herein. I. The Secured Parties desire to appoint Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "RABOBANK INTERNATIONAL", New York Branch, as collateral agent to act on behalf of the Secured Parties regarding the Collateral, all as more fully provided herein. J. The Secured Parties, the Agent and the Collateral Agent desire to enter into this Agreement to provide, among other things, for (i) the appointment, duties and responsibilities of the Collateral Agent, (ii) the respective priorities, rights and interests of the parties in and to the Collateral, (iii) the orderly administration of the Collateral, (iv) the coordination of any enforcement by the parties of their respective rights under the Note Agreement, the Credit Agreement and the Collateral Documents and (v) the allocation of payments, if any, made under the Collateral Documents and the Subsidiary Guaranties, all upon the terms and subject to the conditions set forth in this Agreement. 2 K. Pursuant to the requirements of the Note Agreement and the Credit Agreement, the Company has requested and the parties hereto have agreed to enter into this Agreement. NOW, THEREFORE, in consideration of the premises and other good and valuable consideration, the sufficiency and receipt of which are hereby acknowledged, the parties hereto hereby agree as follows: SECTION 1. DEFINITIONS. The following terms shall have the meanings assigned to them below in this SECTION 1 or in the provisions of this Agreement referred to below: "AFFILIATE" means any Person which, directly or indirectly, controls, is controlled by or is under common control with another Person. For purposes of the foregoing, "CONTROL," "controlled by" and "under common control with" with respect to any Person shall mean the possession, directly or indirectly, of the power (i) to vote 10% or more of the securities having ordinary voting power of the election of directors of such Person, or (ii) to direct or cause the direction of the management and policies of such Person, whether through the ownership of voting securities or by contract or otherwise. "BANKRUPTCY PROCEEDING" shall mean, with respect to any Person, a general assignment of such Person for the benefit of its creditors, or the institution by or against such Person of any proceeding seeking relief as debtor, or seeking to adjudicate such Person as bankrupt or insolvent, or seeking reorganization, arrangement, adjustment or composition of such Person or its debts, under any law relating to bankruptcy, insolvency, reorganization or relief of debtors, or seeking appointment of a receiver, trustee, custodian or other similar official for such Person or for any substantial part of its property. "CASH EQUIVALENT INVESTMENTS" shall mean, (a) direct obligations of the United States Government or any agencies thereof and obligations guaranteed by the United States Government, in each case having remaining terms to maturity of not more than thirty days; and (b) certificates of deposit, time deposits and acceptances, including Eurodollar deposits, having remaining terms to maturity of not more than sixty days issued by a United States bank which has a combined capital and surplus of at least $750,000,000 and whose long-term certificates of deposit are rated "A" or better by Standard & Poor's Ratings Service or "A2" or better by Moody's Investors Service, Inc. "COLLATERAL" shall mean the Term Debt Priority Collateral, the Revolving Debt Priority Collateral and the Patent and Trademark Collateral. "COLLATERAL DOCUMENTS" shall mean the "Collateral Documents" as defined in the Credit Agreement, which secure the obligations of the Company and the Subsidiary Guarantors under the Credit Agreement, the Facility Guaranty and the other Loan Documents (as defined in the Credit Agreement) and the "Collateral Documents" as defined in the Note Agreement, which secure the obligations of the Company and the Subsidiary Guarantors under the Note Agreement, the Notes and the Noteholder Guaranty. 3 "COMPANY" shall have the meaning assigned thereto in the Recitals hereof. "CREDIT AGREEMENT" shall have the meaning assigned thereto in the Recitals hereof. "DEFAULT" shall mean an Event of Default or an event or condition which with notice or lapse of time or both would constitute an Event of Default. "DEED OF TRUST" shall mean each deed of trust or mortgage entered into by the Company, any other Grantor or any other Person, as trustor or mortgagor, for the benefit of the Collateral Agent or any other Person, as beneficiary or mortgagee on behalf of the Secured Parties to secure the Secured Obligations. "EVENT OF DEFAULT" shall mean any "Event of Default" as defined in the Note Agreement or the Credit Agreement. "FACILITY DEBT" shall have the meaning assigned thereto in the Recitals hereof. "GRANTORS" shall have the meaning assigned thereto in the Recitals hereof. "LIEN" means any mortgage, deed of trust, pledge, security interest, assignment, deposit arrangement, charge, encumbrance or other lien (statutory or otherwise). "MAKE-WHOLE AMOUNT" shall have the meaning assigned thereto in the Note Agreement. "NOTE AGREEMENT" shall have the meaning assigned thereto in the Recitals hereof. "NOTEHOLDER GUARANTY" shall have the meaning assigned thereto in the Recitals hereof. "NOTEHOLDERS" shall have the meaning assigned thereto in the Recitals hereof. "NOTES" shall have the meaning assigned thereto in the Recitals hereof. "PATENT AND TRADEMARK COLLATERAL" shall mean the Collateral described on Exhibit C hereto. "PERSON" shall mean an individual, partnership, limited liability company, corporation, trust, unincorporated organization or any other entity whatsoever, or any government or agency or political subdivision thereof. "PRO RATA SHARE" shall mean, in respect of any Secured Party as of any date of determination, the proportion which the amount of the Secured Obligations then owing to such Secured Party bears to the aggregate amount of Secured Obligations then owing to all Secured Parties. "REQUIRED REVOLVING DEBT SECURED PARTIES" shall have the meaning assigned thereto in the definition of Required Secured Parties. 4 "REQUIRED SECURED PARTIES" shall mean, (a) with respect to the Revolving Debt Priority Collateral and the Collateral Documents related thereto, Revolving Debt Secured Parties holding more than 60% of the sum of (i) the unused Revolving Commitments (as defined in the Credit Agreement) for so long as the Revolving Commitments are in effect plus (ii) the unpaid principal amount of the Revolving Debt (the "Required Revolving Debt Secured Parties"), (b) with respect to the Term Debt Priority Collateral and the Collateral Documents related thereto, Term Debt Secured Parties holding more than 70% of the outstanding principal amount of the Term Debt (the "Required Term Debt Secured Parties"), and (c) in all other instances, the "Required Secured Parties" set forth in both clause (a) and (b) hereof in each case, measured on the date of determination of the "Required Secured Parties". "REQUIRED TERM DEBT SECURED PARTIES" shall have the meaning assigned thereto in the definition of Required Secured Parties. "REVOLVING DEBT" shall mean the Secured Obligations consisting of (i) all unpaid principal of the Revolving Loans (as defined in the Credit Agreement) (including therein the unpaid amount of any drawings under any letters of credit issued under the Credit Agreement and, without duplication, the undrawn portion of the face amount of any such letters of credit) and the Swingline Loans (as defined in the Credit Agreement), (ii) all accrued and unpaid interest thereon and (iii) all fees, commissions, indemnities and other amounts (without duplication of any Term Debt) owing to the Revolving Debt Secured Parties. "REVOLVING DEBT PRIORITY COLLATERAL" shall mean the Collateral described on EXHIBIT A hereto. "REVOLVING DEBT SECURED PARTIES" shall mean those Secured Parties which hold Revolving Debt. "SECURITY AGREEMENT" shall have the meanings assigned thereto in the Note Agreement and the Credit Agreement. "SECURED PARTY" shall have the meaning assigned thereto in the Recitals hereof. "SPECIFIED AMOUNT" shall mean as to any Secured Party the aggregate amount of the Secured Obligations owed to such Secured Party. "SECURED OBLIGATIONS" shall mean all indebtedness, liabilities and other obligations of the Company and the Subsidiary Guarantors to the Collateral Agent, the Agent and the Secured Parties under the Note Agreement, the Notes, the Credit Agreement, the Subsidiary Guaranties and the other Loan Documents (as defined in the Credit Agreement), including all principal in respect of the Notes and the Facility Debt, all interest accrued thereon, all fees due under the Note Agreement, the Notes, the Credit Agreement and the other Loan Documents (as defined in the Credit Agreement) and all other amounts payable by the Company or any Subsidiary Guarantor to the Collateral Agent, the Agent or any Secured Party thereunder or in connection therewith, whether now or hereafter existing or arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. 5 "SENIOR PREFERENTIAL PAYMENT" shall mean any payments, or proceeds of the Collateral, from the Grantors or any other source with respect to the Secured Obligations (including from the exercise of any set-off), cumulatively, but without duplication, which are: (a) received by a Secured Party within 90 days prior to (1) the commencement of a Bankruptcy Proceeding with respect to any Grantor or (2) the acceleration of the Notes or the obligations under the Credit Agreement, and which payment reduces the amount of the Secured Obligations owed to such Secured Party below the amount owed to such Secured Party as of the 90th day prior to such commencement or acceleration, (b) received by a Secured Party (1) within 90 days prior to the occurrence of any Event of Default which has not been waived or cured within 30 days after the occurrence thereof and which payment reduces the amount of the Secured Obligations owed to such Secured Party below the amount owed to such Secured Party as of the 90th day prior to the occurrence of such Event of Default or (2) within 30 days after the occurrence of such Event of Default, or received by a Secured Party after the occurrence of a Special Event of (c) Default except as provided in SS.6.11(B). "Special Event of Default" shall mean (a) the commencement of a Bankruptcy Proceeding with respect to any Grantor, (b) any other Event of Default which has not been waived or cured within 30 days after the occurrence thereof, or (c) the acceleration of the Notes or the obligations under the Credit Agreement. "SPECIAL TRUST ACCOUNT" shall mean that certain restricted account maintained by the Collateral Agent for the purpose of receiving and holding Senior Preferential Payments. "SUBSIDIARY GUARANTORS" shall have the meaning assigned thereto in the Recitals hereof. "SUBSIDIARY GUARANTY" shall have the meaning assigned thereto in the Recitals hereof. "TERM DEBT" shall mean the Secured Obligations consisting of (a) all outstanding principal of the Notes and the Term Loans (as defined in the Credit Agreement), (b) all accrued and unpaid interest and premium (including without limitation Make-Whole Amount) thereon and (c) all fees, commissions, indemnities and other amounts (without duplication of any Revolving Debt) owing to the Term Debt Secured Parties. "TERM DEBT PRIORITY COLLATERAL" shall mean the Collateral described on EXHIBIT C hereto. "TERM DEBT SECURED PARTIES" shall mean those Secured Parties which hold Term Debt. SECTION 2. PRIORITY OF LIENS. Section 2.1. Priority of Liens of Term Debt Secured Parties in respect of Term Debt Priority Collateral. (a) All Liens now or hereafter existing in favor of the Collateral Agent, any Secured Party or any other Person on any Term Debt Priority Collateral to secure the Revolving Debt shall be subject, subordinate and junior in all respects and at all times to the Liens or 6 interests now or hereafter existing in favor of the Collateral Agent, any Secured Party or any other Person thereon to secure the Term Debt and (b) all Liens now or hereafter existing in favor of the Collateral Agent, any Secured Party or any other Person on any Term Debt Priority Collateral to secure the Term Debt shall be senior at all times to the Liens or interests now or hereafter existing in favor of the Collateral Agent, any Secured Party or any other Person thereon to secure the Revolving Debt, in each case, regardless of the fact that all Secured Obligations are secured by the same Collateral Documents, the time or order of attachment or perfection, any provisions to the contrary in any of the Collateral Documents or any other circumstances whatsoever. Section 2.2. Priority of Liens of Revolving Debt Secured Parties in respect of Revolving Debt Priority Collateral. (a) All Liens now or hereafter existing in favor of the Collateral Agent, any Secured Party or any other Person on any Revolving Debt Priority Collateral to secure the Term Debt shall be subject, subordinate and junior in all respects and at all times to the Liens or interests now or hereafter existing in favor of the Collateral Agent, any Secured Party or any other Person thereon to secure the Revolving Debt and (b) all Liens now or hereafter existing in favor of the Collateral Agent, any Secured Party or any other Person on any Revolving Debt Priority Collateral to secure the Revolving Debt shall be senior at all times to the Liens or interests now or hereafter existing in favor of the Collateral Agent, any Secured Party or any other Person thereon to secure the Term Debt, in each case, regardless of the fact that all Secured Obligations are secured by the same Collateral Documents, the time or order of attachment or perfection, any provisions to the contrary in any of the Collateral Documents or any other circumstances whatsoever. Section 2.3. Liens of Secured Parties in respect of Patent and Trademark Collateral are Pari Passu. All Liens now or hereafter existing in favor of the Collateral Agent, any Secured Party or any other Person on any Patent and Trademark Collateral to secure the Term Debt or the Revolving Debt shall be PARI PASSU in all respects and at all times, regardless of the fact that all Secured Obligations are secured by the same Collateral Documents, the time or order of attachment or perfection, any provisions to the contrary in any of the Collateral Documents or any other circumstances whatsoever. Section 2.4. Nonavoidability of Liens. The subordinations and priorities specified hereinabove are expressly conditioned upon the nonavoidability and perfection of the Lien to which another Lien is subordinated or made PARI PASSU and, if the Lien to which another Lien is subordinated or made PARI PASSU is not perfected or is avoidable, for any reason, then the subordinations and relative priority agreements provided for herein shall not be effective as to the particular Collateral which is the subject of the unperfected or avoidable lien. SECTION 3. RELATIONSHIPS AMONG SECURED PARTIES. Section 3.1. Restrictions on Actions. Each Secured Party agrees that, so long as any Secured Obligations are outstanding or any Secured Party has any commitment to extend credit in respect thereof pursuant to the terms of the Credit Agreement, the provisions of this Agreement shall provide the exclusive method by which any Secured Party may exercise rights and remedies with respect to the Collateral under the Collateral Documents and under applicable 7 law relating to the rights and remedies of secured creditors. Therefore, each Secured Party shall, for the mutual benefit of all Secured Parties, except as permitted under this Agreement: (a) refrain from taking or filing any action, judicial or otherwise, to enforce any rights or pursue any remedy under the Collateral Documents, except for delivering notices hereunder; (b) refrain from (1) selling any Secured Obligations to the Company or any Affiliate of the Company and (2) accepting any guaranty of, or any other security for, the Secured Obligations from the Company or any Affiliate of the Company or any other Person, except any guaranty or security granted to the Collateral Agent for the benefit of all Secured Parties in the relative priorities set forth herein; and (c) refrain from exercising any rights or remedies with respect to the Collateral under the Collateral Documents, or under applicable law relating to the rights and remedies of secured creditors, which have or may have arisen or which may arise as a result of a Default or Event of Default or otherwise; PROVIDED, HOWEVER, that nothing contained in subsections (a) through (c) above shall prevent the Agent or any Secured Party from exercising or enforcing any other right or remedy available to the Agent or any Secured Party under the Note Agreement, the Notes, the Credit Agreement, the Subsidiary Guaranties or the other Loan Documents (as defined in the Credit Agreement), as the case may be, including, without limitation, accelerating the maturity of the Term Debt, the Revolving Debt or the Notes, as the case may be, terminating any commitments to lend additional money to the Company under the Credit Agreement in accordance with the terms thereof, imposing a default rate of interest in accordance with the Credit Agreement or the Note Agreement, as applicable, raising any defenses in any action in which it has been made a party defendant or has been joined as a third party, except that the Collateral Agent may, but shall not be obligated to, direct and control any defense directly relating to the Collateral or any one or more of the Collateral Documents, which shall be governed by the provisions of this Agreement. NOTWITHSTANDING THE FOREGOING, NO SECURED PARTY SHALL EXERCISE, OR ATTEMPT TO EXERCISE, ANY RIGHT OF SET-OFF, BANKER'S LIEN, OR THE LIKE, AGAINST ANY DEPOSIT ACCOUNT OR PROPERTY OF THE COMPANY OR ANY OF ITS SUBSIDIARIES HELD OR MAINTAINED BY THE SECURED PARTY WITHOUT THE PRIOR WRITTEN CONSENT OF THE COLLATERAL AGENT, THE REQUIRED REVOLVING DEBT SECURED PARTIES AND THE REQUIRED TERM DEBT SECURED PARTIES. Section 3.2. Representations and Warranties. (a) Each of the Secured Parties represents and warrants to the other parties hereto that: (1) It (i) is either (x) a corporation duly organized, existing and in good standing under the laws of the jurisdiction of its incorporation or (y) a national banking association duly incorporated and existing under the laws of the United States of America or a state-licensed branch of a foreign bank, and (ii) has all requisite power (corporate or 8 otherwise) to own its property and conduct its business as now conducted and as presently contemplated. (2) The execution, delivery and performance by such Secured Party of this Agreement has been authorized by all necessary proceedings (corporate or otherwise) and does not and will not contravene any provision of law, its charter or by-laws or any amendment thereof, or of any indenture, agreement, instrument or undertaking binding upon such Secured Party. (3) The execution, delivery and performance by such Secured Party of this Agreement will result in a valid and legally binding obligation of such Secured Party enforceable in accordance with its terms. (b) The Collateral Agent hereby represents and warrants that: (1) Collateral Agent is a New York state-licensed branch of a Netherlands banking cooperative validly existing and in good standing under the laws of the State of New York. (2) Collateral Agent has full power, authority and legal right under the laws of New York pertaining to its banking powers to execute, deliver, and perform this Agreement and has taken all necessary action to authorize the execution, delivery and performance by it of this Agreement. (3) execution,delivery and performance by the Collateral Agent of this Agreement will not contravene any law, rule or regulation of the United States or any United States governmental authority or agency regulating the Collateral Agent's banking activities or any judgment or order applicable to or binding on the Collateral Agent and will not contravene or result in any breach of, or constitute a default under, the Collateral Agent's constitutive documents or the provision of any indenture, mortgage, contract or other agreement to which it is a party or by which it or any of its properties is bound. (4) execution,delivery and performance by the Collateral Agent of this Agreement will not require the authorization, consent, or approval of, the giving of notice to, the filing or registration with, or the taking of any other action in respect of, any United States governmental authority or agency regulating the banking activities of the Collateral Agent. (5) Agreement has been duly executed and delivered by the Collateral Agent and constitutes the legal, valid, and binding agreement of the Collateral Agent, enforceable in accordance with its terms, subject to bankruptcy, insolvency, fraudulent conveyance and similar laws affecting creditors' rights generally, and general principles of equity (regardless of whether the application of such principles is considered in a proceeding in equity or at law). Section 3.3. Cooperation; Accountings. Each of the parties hereto will, upon the reasonable request of another party, from time to time execute and deliver or cause to be 9 executed and delivered such further instruments, and do and cause to be done such further acts as may be necessary or proper to carry out more effectively the provisions of this Agreement. The Secured Parties agree to provide to each other upon reasonable request a statement of all payments received in respect of Secured Obligations. Section 3.4. Termination of Credit Agreement, Note Agreement or Additional Facilities. Upon final payment in full of all Secured Obligations owing to any Secured Party, and, in the case of any Facility Lender, after the termination of such Facility Lender's Revolving Commitment (as defined in the Credit Agreement), such Secured Party shall cease to be a party to this Agreement; provided, however, if all or any part of any payments to such Secured Party are invalidated or set aside or required to be paid or repaid to any Person in any Bankruptcy Proceeding or otherwise (including, without limitation, any payment required to be made by such Secured Party to one or more of the other Secured Parties pursuant to ss.6.15 hereof), then this Agreement shall be renewed as of such date and shall thereafter continue in full force and effect to the extent of the Secured Obligations so invalidated, set aside, paid or repaid. SECTION 4. APPOINTMENT AND AUTHORIZATION OF COLLATERAL AGENT. (a)Each Secured Party hereby irrevocably designates and appoints Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch as the Collateral Agent of such Secured Party under this Agreement and the Collateral Documents, and each Secured Party hereby irrevocably authorizes Cooperatieve Centrale Raiffeisen- Boerenleenbank B.A., "Rabobank International", New York Branch as the Collateral Agent for such Secured Party to execute and enter into each of the Collateral Documents and all other instruments relating to said Collateral Documents and (i) to take action on its behalf and exercise such powers and use such discretion as are expressly permitted hereunder and under the Collateral Documents and all instruments relating hereto and thereto and (ii) to exercise such powers and perform such duties as are, in each case, expressly delegated to the Collateral Agent by the terms hereof and thereof together with such other powers and discretion as are reasonably incidental hereto and thereto. (b) Notwithstanding any provision to the contrary elsewhere in this Agreement or the Collateral Documents, the Collateral Agent shall not have any duties or responsibilities except those expressly set forth herein or therein or any fiduciary relationship with any Secured Party, and no implied covenants, functions, responsibilities, duties, obligations or liabilities shall be read into this Agreement or any Collateral Document or otherwise exist against the Collateral Agent. SECTION 5. AGENCY PROVISIONS. Section 5.1. Delegation of Duties. The Collateral Agent may exercise its powers and execute any of its duties under this Agreement and the Collateral Documents by or through employees, agents or attorneys-in-fact and shall be entitled to take and to rely on advice of counsel concerning all matters pertaining to such powers and duties. The Collateral Agent shall not be responsible for the negligence or misconduct of any agents or attorneys-in-fact selected by it with reasonable care. The Collateral Agent may utilize the services of such Persons as the 10 Collateral Agent in its sole discretion may determine, and all reasonable fees and expenses of such Persons shall be borne by the Company. Section 5.2. Exculpatory Provisions. Neither the Collateral Agent nor any of the Collateral Agent's officers, directors, employees, agents, attorneys-in-fact or Affiliates shall be (a) liable for any action taken or omitted to be taken by it or such Person under or in connection with this Agreement or any Collateral Document or any Collateral (except for its or such Person's own gross negligence or willful misconduct), or (b) responsible in any manner to any of the Secured Parties for any recitals, statements, representations or warranties made by the Grantors, any officer thereof or any other Person contained in, or made or deemed made in connection with, the Credit Agreement, the Note Agreement or any Collateral Document or in any certificate, report, statement or other document referred to or provided for in, or received by the Collateral Agent under or in connection with, this Agreement, the Credit Agreement, the Note Agreement or any Collateral Document, or for the due execution, legality, value, validity, effectiveness, genuineness, enforceability or sufficiency of the Credit Agreement, the Note Agreement or any Collateral Document or any other document or instrument furnished pursuant thereto or of any of the Collateral or for any failure of any Grantor to perform its obligations under such documents. The Collateral Agent shall be under no obligation to the Secured Parties to ascertain or to inquire as to the observance or performance of any of the agreements contained in, statements made in, or conditions of the Credit Agreement, the Note Agreement or any Collateral Document or to inspect the property (including the books and records) of the Grantors. Section 5.3. Reliance by Collateral Agent. The Collateral Agent shall be entitled to rely, and shall be fully protected and shall incur no liability in acting and relying, upon any writing, resolution, notice, consent, certificate, affidavit, letter, cablegram, telegram, telecopy, telex or teletype message, statement, order or other document or conversation reasonably believed by it to be genuine and correct and to have been signed, sent or made by the proper Person or Persons and upon advice and statements of legal counsel (including, without limitation, counsel to the Grantors), independent accountants and other experts selected by the Collateral Agent. Without limiting the generality of the foregoing, the Collateral Agent may treat the payee of any Term Debt or Revolving Debt as the registered holder thereof until it receives notice or otherwise has actual knowledge that such payee is no longer the registered holder of such Term Debt or Revolving Debt. Notwithstanding anything to the contrary contained herein or in any Collateral Document, the Collateral Agent shall be fully justified in failing or refusing to take action under this Agreement or the Collateral Documents (including, without limitation, the exercise of any rights or remedies under, or the entering into of any agreement amending, modifying, supplementing, waiving any provision of, or the giving of consent pursuant to, any of the Collateral Documents) unless it shall first receive instructions of the relevant Required Secured Parties as is contemplated by ss.6 hereof and it shall first be indemnified to its reasonable satisfaction by the relevant Secured Parties against any and all liability and expense which may be incurred by it by reason of taking, continuing to take or refraining from taking any such action. The Collateral Agent shall in all cases be fully protected in acting, or in refraining from acting, under this Agreement and the Collateral Documents in accordance with the provisions of ss.6.5 hereof and in accordance with written instructions of the relevant Required Secured Parties pursuant to ss.6.3 hereof, and such instructions and any action taken or failure to act pursuant thereto shall be binding upon all the relevant Secured Parties. 11 Section 5.4. Knowledge or Notice of Default, Event of Default. The Collateral Agent shall not be deemed to have actual, constructive, direct or indirect knowledge or notice of the occurrence of any Default or Event of Default unless and until the Collateral Agent has received written notice from a Secured Party or the Company referring to the Credit Agreement, the Note Agreement or the Collateral Documents, describing such Default or Event of Default, setting forth in reasonable detail the facts and circumstances thereof and stating that the Collateral Agent may rely on such notice without further inquiry; provided that if the Agent is the Collateral Agent hereunder, the Collateral Agent shall be deemed to have actual knowledge and notice of the occurrence of any Default or Event of Default (as defined in the Credit Agreement) under the Credit Agreement if the Agent has actual knowledge of such Default or Event of Default or has declared an Event of Default under the Credit Agreement. The Collateral Agent shall have no obligation or duty prior to or after receiving any such notice to inquire whether a Default or Event of Default has in fact occurred and shall be entitled to rely, and shall be fully protected in so relying, on any such notice furnished to it. Section 5.5. Non-Reliance on Collateral Agent and Other Secured Parties. Each Secured Party expressly acknowledges that, except as expressly set forth in this Agreement, neither the Collateral Agent nor any of the Collateral Agent's officers, directors, employees, agents, attorneys-in-fact or Affiliates has made any representations or warranties to it and that no act by the Collateral Agent hereafter taken, including any review of the affairs of the Grantors, shall be deemed to constitute any representation or warranty by the Collateral Agent to any Secured Party. Each Secured Party represents that it has, independently and without reliance upon the Collateral Agent or any other Secured Party, and based on such documents and information as it has deemed appropriate, made its own appraisal of and investigation into the business, operations, property, financial and other condition and credit-worthiness of the Grantors and made its own decision to enter into this Agreement, the Credit Agreement, the Note Agreement or any Collateral Document. Each Secured Party also represents that it will, independently and without reliance upon the Collateral Agent or any other Secured Party, and based on such documents and information as it shall deem appropriate at the time, continue to make its own credit analysis, appraisals and decisions in taking or not taking action under the Credit Agreement, the Note Agreement or any Collateral Document and this Agreement, and to make such investigation as it deems necessary to inform itself as to the business, operations, property, financial and other condition and credit-worthiness of the Grantors. Except for notices, reports and other documents expressly required to be furnished to the Secured Parties by the Collateral Agent hereunder, the Collateral Agent shall not have any duty or responsibility to provide the Secured Parties with any credit or other information concerning the business, operations, property, financial and other condition or credit-worthiness of the Grantors which may come into the possession of the Collateral Agent or any of its officers, directors, employees, agents, attorneys-in-fact or Affiliates. Section 5.6. Indemnification. The Secured Parties agree to indemnify the Collateral Agent in its capacity as such (to the extent not reimbursed by the Company or the Subsidiary Guarantors, but without limiting any obligation of the Company and the Subsidiary Guarantors to do so) ratably in accordance with the Secured Parties' Pro Rata Shares, against, and hold the Collateral Agent harmless from, any and all liabilities, obligations, losses, claims, damages, penalties, actions, judgments, suits, costs, expenses or disbursements of any kind or nature 12 whatsoever, which may be imposed on, incurred by, or asserted against the Collateral Agent, in any way relating to or arising out of this Agreement or any Collateral Document or the transactions contemplated hereby or thereby or any action taken or omitted by the Collateral Agent in connection with any of the foregoing; PROVIDED that no Secured Party shall be liable to the Collateral Agent for any portion of such liabilities, obligations, losses, damages, penalties, actions, judgments, suits, costs, expenses or disbursements to the extent they are found by a final decision of a court of competent jurisdiction to have resulted from the Collateral Agent's gross negligence or willful misconduct.. The agreements in this ss.5.6 shall survive the payment of the Secured Obligations. Section 5.7. Collateral Agent in Its Individual Capacity. Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch and its Affiliates may make loans to and generally engage in any kind of business with the Company or any other Grantor as though such Person was not the Collateral Agent hereunder and without any duty to account therefor to the Secured Parties. With respect to any Term Debt or Revolving Debt issued to it and advances made by it under the Credit Agreement, if any, Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch shall have the same rights and powers under this Agreement as any Secured Party and may exercise the same as though it were not the Collateral Agent, and the terms "Secured Party" and "Secured Parties" shall include Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch in its individual capacity. Section 5.8. Successor Collateral Agent. (a) The Collateral Agent may resign at any time upon sixty days' notice to the Secured Parties and the Company and may be removed at any time, with or without cause, by the Required Secured Parties by written notice delivered to the Company, the Collateral Agent and the Secured Parties. If the Collateral Agent is also a Facility Lender, then the Noteholders may remove the Collateral Agent for a continuing breach of its obligations under this Agreement at any time upon a vote of the holders of 66-2/3% or more of the aggregate principal amount of outstanding Notes, PROVIDED that the Collateral Agent shall be given a reasonable opportunity to cure such breach prior to any such removal. After any resignation or removal hereunder of the Collateral Agent, the provisions of this ss.5 shall continue to inure to its benefit as to any actions taken or omitted to be taken by it in connection with its role as Collateral Agent hereunder while it was the Collateral Agent under this Agreement and it shall be entitled to be paid promptly when due any amounts owing to it pursuant to ss.5.6. (b) Upon receiving notice of any such resignation or removal, a successor Collateral Agent shall be appointed by the Required Secured Parties; provided, however, that such successor Collateral Agent shall be (i) a bank or trust company having a combined capital and surplus of at least $500,000,000, subject to supervision or examination by a federal or state banking authority; and (ii) authorized under the laws of the jurisdiction of its incorporation or organization to assume the functions of the Collateral Agent. If the appointment of such successor shall not have become effective (as hereafter provided) (x) within such sixty day period after the Collateral Agent's notice of resignation or (y) upon removal of the Collateral Agent, then the Collateral Agent may assign the Liens and its duties hereunder and under the Collateral 13 Documents to the Secured Parties, as their interests may appear, and in such case all references herein to "Collateral Agent" shall be deemed to refer to the "Required Secured Parties." Any Secured Party may petition a court of competent jurisdiction for the appointment of a successor Collateral Agent. Such court shall, after such notice as it may deem proper, appoint a successor Collateral Agent meeting the qualifications specified in this ss.5.8(b). The Secured Parties hereby consent to such petition and appointment so long as such criteria are met. (c) The resignation or removal of a Collateral Agent shall become effective upon the execution and delivery of such documents or instruments as are necessary to transfer the rights and obligations of the Collateral Agent under the Collateral Documents, including, without limitation, the delivery and recordation of all amendments, instruments, Deed of Trusts, financing statements, continuation statements and other documents necessary to maintain the perfection of the security interests held by the Collateral Agent hereunder. Copies of each such document or instrument shall be delivered to all Secured Parties. Subject to the foregoing provisions of this ss.5.8(c), the appointment of a successor Collateral Agent pursuant to this ss.5.8 shall become effective upon the acceptance of the appointment as Collateral Agent hereunder by a successor Collateral Agent. Upon such effective appointment, the successor Collateral Agent shall succeed to and become vested with all the rights, powers, privileges and duties of the retiring Collateral Agent and the retiring Collateral Agent shall be discharged from its rights, powers, privileges and duties under this Agreement and the other Collateral Documents; provided, however, that the provisions of this ss.5 shall continue to inure to the retiring Collateral Agent's benefit as to any actions taken or omitted to be taken by it in connection with its role as Collateral Agent hereunder while it was the Collateral Agent under this Agreement. SECTION 6. ACTIONS BY THE COLLATERAL AGENT. Section 6.1. Duties and Obligations. The duties and obligations of the Collateral Agent are only those set forth in this Agreement and in the Collateral Documents. Section 6.2. Notification of Default. If the Collateral Agent has been notified in a writing conforming to the requirements of ss.5.4 by any Secured Party that a Default, an Event of Default or a Special Event of Default has occurred, the Collateral Agent shall furnish to the Secured Parties a copy of such written notice and may, but is under no obligation to, furnish to the Company a copy of the notice received by the Collateral Agent and a copy of the Collateral Agent's notice to the Secured Parties. The failure of any Secured Party having knowledge of the occurrence of a Default, an Event of Default or a Special Event of Default to notify the Collateral Agent or any Secured Party of such occurrence, however, does not constitute a waiver of such Default, Event of Default or Special Event of Default by the Secured Parties. Upon receipt of a notice conforming to the requirements of ss.5.4 from a Secured Party of the occurrence of an Event of Default or a Special Event of Default, the Collateral Agent shall (in addition to the action required by the first sentence of this ss.6.2) promptly (and in any event no later than three Business Days after receipt of such notice) issue its Notice of Default to all Secured Parties. Such Notice of Default shall indicate the nature of such Event of Default or Special Event of Default. The Notice of Default may contain a recommendation of actions to be taken by the Secured Parties and/or request instructions from the Secured Parties and shall specify the date on which responses are due in order to be timely within ss.6.4 hereof. 14 Section 6.3. Exercise of Remedies. Except as otherwise provided in ss.6.5, the Collateral Agent shall take only such actions and exercise only such remedies under the Collateral Documents as are approved in written instructions delivered to the Collateral Agent and signed by the relevant Required Secured Parties required under ss.6.4. In the event that the Collateral Agent shall determine in good faith that taking the actions specified in such instructions is contrary to law, it may refrain (and shall be fully protected in so refraining) from taking such action and shall immediately give notice of such fact to each of the Secured Parties. In the event that instructions received by the Collateral Agent are in its good faith judgment ambiguous or conflict with other instructions received by the Collateral Agent, the Collateral Agent (a) shall promptly notify the Secured Parties of such ambiguity or conflict and request clarifying instructions, and (b) may either (1) delay taking any such action or exercising any such remedy pending the receipt of such clarifying instructions (and shall be fully protected in so delaying) or (2) take such actions as it is entitled under ss.6.5. Section 6.4. Instructions from Secured Parties. Notwithstanding anything express or implied to the contrary in any Collateral Document: (a) remedies and other actions to be taken under the Collateral Documents or applicable law with respect to the Revolving Debt Priority Collateral shall be directed by the Required Revolving Debt Secured Parties, or by the Required Term Debt Secured Parties with the written consent of the Required Revolving Debt Secured Parties (such consent not to be unreasonably withheld or delayed); (b) remedies and other actions to be taken under the Collateral Documents or applicable law with respect to the Term Debt Priority Collateral shall be directed by the Required Term Debt Secured Parties, or by the Required Revolving Debt Secured Parties with the written consent of the Required Term Debt Secured Parties (such consent not to be unreasonably withheld or delayed); (c) remedies and other actions to be taken under the Collateral Documents or applicable law with respect to the Patent and Trademark Collateral shall be directed by both the Required Term Debt Secured Parties and by the Required Revolving Debt Secured Parties; and (d) if any Secured Party does not respond in a timely manner to any notice (including, without limitation, a Notice of Default) from the Collateral Agent or request for instructions within the time period specified by the Collateral Agent in such notice or request for instructions (which shall be a minimum of five Business Days), the Secured Obligations held by such Secured Party which would otherwise be included in a determination of Required Secured Parties shall not be included in the determination of Required Secured Parties for purposes of such notice or request for instructions. Any action taken or not taken without the vote of such Secured Party or Secured Parties under this ss.6.4 shall nevertheless be binding on such Secured Party or Secured Parties. Section 6.5. Emergency Actions. If the Collateral Agent has asked the relevant Secured Parties for instruction and if the relevant Required Secured Parties have not yet 15 responded to such request, the Collateral Agent shall be authorized to take, but shall not be required to take and shall in no event have any liability for the taking or the failure to take, such actions (other than any action described or permitted under ss.6.7 hereof) with regard to a Default or Event of Default which the Collateral Agent, in good faith, believes to be reasonably required to promote and protect the interests of the Secured Parties and to preserve the value of the Collateral and shall give the Secured Parties appropriate notice of such action; PROVIDED that once instructions with respect to such request have been received by the Collateral Agent from the relevant Required Secured Parties, the actions of the Collateral Agent shall be governed thereby and the Collateral Agent shall not take any further action which would be contrary thereto. Section 6.6. Changes to Collateral Documents. Any term of the Collateral Documents may be amended, and the performance or observance by the parties to a Collateral Document of any term of such Collateral Document may be waived (either generally or in a particular instance and either retroactively or prospectively) with the written consent of both the Required Term Debt Secured Parties and the Required Revolving Debt Secured Parties. Section 6.7. Release of Collateral. The release of any Collateral by the Collateral Agent from the Lien of any Collateral Document shall be permitted with the written consent of all of the Secured Parties; provided, however, that if the Company or its Subsidiaries disposes of Collateral pursuant to a disposition that is permitted under both the Credit Agreement and the Note Agreement, then the written consent of the Secured Parties to the release by the Collateral Agent of such Collateral shall not be required. Section 6.8. Other Actions. The Collateral Agent shall have the right to take such actions, or omit to take such actions, hereunder and under the Collateral Documents not inconsistent with the written instructions of the relevant Required Secured Parties delivered pursuant to ss.6.3 hereof or the terms of this Agreement, including actions the Collateral Agent deems necessary or appropriate to perfect or continue the perfection of the Liens on the Collateral for the benefit of the Secured Parties. Except as otherwise provided by applicable law, the Collateral Agent shall have no duty as to any Collateral, the collection or protection of the Collateral or any income therefrom (including any duty to ascertain or take action with respect to calls, conversions, exchanges, maturities, tenders or other matters relative to any Collateral, whether or not the Collateral Agent has or is deemed to have knowledge of such matters), nor as to the preservation of rights against prior parties, nor as to the preservation of rights pertaining to the Collateral beyond the safe custody of any Collateral in the Collateral Agent's actual possession. Section 6.9. Cooperation. To the extent that the exercise of the rights, powers and remedies of the Collateral Agent in accordance with this Agreement requires that any action be taken by any Secured Party, such Secured Party shall take such action and cooperate with the Collateral Agent to ensure that the rights, powers and remedies of all Secured Parties are exercised in full. 16 Section 6.10. Distribution of Proceeds of Collateral and Subsidiary Guaranties. (a) Upon any realization upon the Term Debt Priority Collateral, the Secured Parties agree that the proceeds thereof shall be applied (i) first, to the amounts owing to the Collateral Agent, solely in its capacity as Collateral Agent (or owing to the Secured Parties in such capacity if the Collateral Agent has resigned or has been removed), by the Grantors or the Secured Parties pursuant to this Agreement or the Collateral Documents; (ii) second, ratably to the payment of the Agent's administrative agency fee (which fee shall not exceed $30,000 per year) and all professional and other out-of-pocket fees, costs and expenses owing to the Agent and the Secured Parties by the Grantors according to the aggregate amounts of such fees, costs and expenses then owing to the Agent and each Secured Party; (iii) third, ratably to the payment of all amounts of accrued and unpaid interest (other than breakage costs or any Make-Whole Amount) which constitute Term Debt according to the aggregate amounts of such interest then owing to each Term Debt Secured Party; (iv) fourth, ratably to all amounts of principal outstanding in respect of the Term Debt according to the aggregate amounts of such principal then owing to each Term Debt Secured Party; (v) fifth, ratably to all other Secured Obligations then owing to the Term Debt Secured Parties according to the aggregate amounts of such Secured Obligations then owing to each Term Debt Secured Party; (vi) sixth, ratably to all Secured Obligations then owing to the Revolving Debt Secured Parties (such amounts to be ratably applied to the Secured Obligations of the Revolving Debt Secured Parties in the same order as provided in ss.6.10(b) below); and (vii) seventh, the balance, if any, shall be returned to the Grantors or such other Persons as are entitled thereto. (b) Upon any realization upon the Revolving Debt Priority Collateral, the Secured Parties agree that the proceeds thereof shall be applied (i) first, to the amounts owing to the Collateral Agent, solely in its capacity as Collateral Agent (or owing to the Secured Parties in such capacity if the Collateral Agent has resigned or has been removed), by the Grantors or the Secured Parties pursuant to this Agreement or the Collateral Documents; (ii) second, ratably to the payment of the Agent's administrative agency fee (which fee shall not exceed $30,000 per year) and all professional and other out-of-pocket fees, costs and expenses owing to the Agent and the Secured Parties by the Grantors according to the aggregate amounts of such fees, costs and expenses then owing to the Agent and each Secured Party; (iii) third, ratably to the payment of all amounts of accrued and unpaid interest (other than any breakage costs) which constitute Revolving Debt according to the aggregate amounts of such interest then owing to each Revolving Debt Secured Party; (iv) fourth, ratably to all amounts of principal and obligations owing in respect of Specified Swap Contracts outstanding in respect of the Revolving Debt according to the aggregate amounts of such principal or obligations then owing to each Revolving Debt Secured Party; (v) fifth, ratably to all other Secured Obligations then owing to the Revolving Debt Secured Parties according to the aggregate amounts of such Secured Obligations then owing to each Revolving Debt Secured Party; (vi) sixth, ratably to all Secured Obligations then owing to the Term Debt Secured Parties (such amounts to be ratably applied to the Secured Obligations of the Term Debt Secured Parties in the same order as provided in ss.6.10(a) above); and (vii) seventh, the balance, if any, shall be returned to the Grantors or such other Persons as are entitled thereto. 17 (c) Upon any realization upon the Patent and Trademark Collateral, the Secured Parties agree that the proceeds thereof shall be applied (i) first, to the amounts owing to the Collateral Agent, solely in its capacity as Collateral Agent (or owing to the Secured Parties in such capacity if the Collateral Agent has resigned or has been removed), by the Grantors or the Secured Parties pursuant to this Agreement or the Collateral Documents; (ii) second, ratably to the payment of the Agent's administrative agency fee (which fee shall not exceed $30,000 per year) and all professional and other out-of-pocket fees, costs and expenses owing to the Agent and the Secured Parties by the Grantors according to the aggregate amounts of such fees, costs and expenses then owing to the Agent and each Secured Party; (iii) third, ratably to the payment of all amounts of accrued and unpaid interest (other than breakage costs or any Make-Whole Amount) which constitute Secured Obligations according to the aggregate amounts of such interest then owing to each Secured Party; (iv) fourth, ratably to all amounts of principal outstanding in respect of the Secured Obligations according to the aggregate amounts of such principal then owing to each Secured Party; (v) fifth, ratably to all other Secured Obligations then owing to the Secured Parties according to the aggregate amounts of such Secured Obligations then owing to each Secured Party; and (vi) sixth, the balance, if any, shall be returned to the Grantors or such other Persons as are entitled thereto. (d) Upon any payment or other recovery under the Subsidiary Guaranties, the Secured Parties agree that the proceeds thereof shall be applied (i) first, to the amounts owing to the Collateral Agent, solely in its capacity as Collateral Agent (or owing to the Secured Parties in such capacity if the Collateral Agent has resigned or has been removed), by the Grantors or the Secured Parties pursuant to this Agreement or the Collateral Documents; (ii) second, ratably to the payment of the Agent's administrative agency fee (which fee shall not exceed $30,000 per year) and all professional and other out-of-pocket fees, costs and expenses owing to the Agent and the Secured Parties by the Grantors according to the aggregate amounts of such fees, costs and expenses then owing to the Agent and each Secured Party; (iii) third, ratably to the payment of all amounts of accrued and unpaid interest (other than breakage costs or any Make-Whole Amount) which constitute Secured Obligations according to the aggregate amounts of such interest then owing to each Secured Party; (iv) fourth, ratably to all amounts of principal outstanding in respect of the Secured Obligations according to the aggregate amounts of such principal then owing to each Secured Party; and (v) fifth, ratably to all other Secured Obligations then owing to the Secured Parties according to the aggregate amounts of such Secured Obligations then owing to each Secured Party. (e) Upon the request of the Collateral Agent prior to any distribution under this ss.6.10, each Secured Party shall provide to the Collateral Agent certificates, in form and substance reasonably satisfactory to the Collateral Agent, setting forth the respective amounts referred to in ss.6.10(a), ss.6.10(b), ss.6.10(c) and ss.6.10(d) hereof which each such Secured Party believes it is entitled to receive. (f) Notwithstanding the preceding subsections 6.10(a) through 6.10(c), in the event that the Company is required to mandatorily prepay the Facility Debt under Section 5.03(b)(ii), (b)(iii) or (b)(iv) of the Credit Agreement, such prepayments shall be made in accordance with the terms thereof; provided, however, that if either (1) an Event of Default has occurred and is continuing at the time of such prepayment or (2) after giving effect on a pro 18 forma basis to the application of such prepayment proceeds as provided in the Credit Agreement a Specified Loan to Value Event (as defined in the Note Agreement) would occur as a result thereof, then the provisions of this Agreement shall govern the application of the prepayment proceeds and such proceeds shall be applied to the Secured Obligations pursuant to the terms of this Section 6.10; PROVIDED FURTHER that if the terms of this Section 6.10 shall govern the application of such prepayment proceeds as a result of the facts set forth only in clause (2) hereof, then the amount of such prepayment proceeds that shall be applied pursuant to this Section 6.10 shall be that amount of the proceeds which will be required to prepay the Secured Obligations so that a Specified Loan to Value Event will not occur and be continuing after giving effect to the application of such proceeds under this Section 6.10. Notwithstanding the preceding Sections 6.10(a) through (d) to the contrary, any payment hereunder of the Agent's administrative agency fee pursuant to the Sections 6.10(a)(ii), (b)(ii), (c)(ii) and (d)(ii) shall not exceed $30,000 in the aggregate per year. Section 6.11. Senior Preferential Payments and Special Trust Account. (a) After the receipt by each Secured Party of a Notice of Default pursuant to ss.6.2 stating that a Special Event of Default has occurred, all Senior Preferential Payments other than those payments received pursuant to subsection (b) of this ss.6.11 shall be delivered to the Collateral Agent for deposit into the Special Trust Account. (b) If (i) such Special Event of Default is waived by the Facility Lenders and the Noteholders and if no other Event of Default has occurred and is continuing, (ii) such Special Event of Default is cured by the Company or by any amendment of the Credit Agreement or the Note Agreement, as the case may be, and if no other Event of Default has occurred and is continuing or (iii) any or all of the Secured Obligations have not been accelerated and the Required Secured Parties have not instructed the Collateral Agent to foreclose on a substantial portion of the Collateral, seek the appointment of a receiver, commence litigation against the Company, liquidate the Collateral, commence a Bankruptcy Proceeding against the Company, seize Collateral, or exercise other remedies of similar character prior to the 180th day following such Special Event of Default, the Collateral Agent thereupon shall return all amounts, together with their pro rata share of any interest earned thereon, held in the Special Trust Account representing payment of any Secured Obligations to the Secured Party initially entitled thereto, and no payments thereafter received by a Secured Party shall constitute a Senior Preferential Payment by reason of such cured or waived Special Event of Default. No payment returned to a Secured Party for which such Secured Party has been obligated to make a deposit into the Special Trust Account shall thereafter ever be characterized as a Senior Preferential Payment. (c) Each Secured Party agrees that upon the occurrence of a Special Event of Default it shall (i) promptly notify the Collateral Agent of the receipt of any Senior Preferential Payments, (ii) hold such amounts in trust for the Secured Parties and act as agent of the Secured Parties during the time any such amounts are held by it, and (iii) deliver promptly to the Collateral Agent such amounts for deposit into the Special Trust Account as soon as practicable. 19 (d) If the Secured Obligations have been accelerated or the Required Secured Parties have instructed the Collateral Agent to foreclose on a substantial portion of the Collateral, seek the appointment of a receiver, commence litigation against the Company, liquidate the Collateral, commence a Bankruptcy Proceeding against the Company, seize Collateral, or exercise other remedies of similar character, then all funds, together with interest earned thereon, held in the Special Trust Account and all subsequent Senior Preferential Payments shall be applied in accordance with the provisions of ss.6.10 above. Section 6.12. Authorized Investments. Any and all funds held by the Collateral Agent in its capacity as Collateral Agent, whether pursuant to any provision of this Agreement or any of the Collateral Documents, shall to the extent feasible within a reasonable time be invested by the Collateral Agent in Cash Equivalent Investments. Prior to making such investment or to the extent it is not feasible to invest such funds in Cash Equivalent Investments, the Collateral Agent shall hold any such funds in an interest bearing account. Any interest earned on such funds shall be disbursed to the Secured Parties in accordance with ss.6.10 or ss.6.11, as applicable. The Collateral Agent shall have no duty to place funds held and invested pursuant to this ss.6.12 in investments which provide a maximum return. The Collateral Agent shall not be responsible for any loss of any funds invested in accordance with this ss.6.12. Section 6.13. Restoration of Obligations. For the purposes of determining the amount of outstanding Secured Obligations, if any Secured Party is required to deposit any Senior Preferential Payment in the Special Trust Account, then the obligations intended to be satisfied by such Senior Preferential Payment shall be revived, as of the date of the deposit of such amount with the Collateral Agent, in the amount of such Senior Preferential Payment and such obligation shall continue in full force and effect (and, if applicable, bear interest from such deposit date at the non-default rate as provided in the Notes or in the Credit Agreement, as the case may be) as if such Secured Party had not received such payment. All such revived obligations shall be included as Secured Obligations for purposes of allocating any payments under ss.6.10 and for applying the definition of Required Secured Parties. If any such revived obligation shall not be allowed as a claim under the Bankruptcy Code due to the fact that the Senior Preferential Payment has in fact been made by the Company, the Secured Parties shall make such other equitable arrangements for the purchase and sale of participations in the Secured Obligations to effectuate the intent of this ss.6.13. Section 6.14. Bankruptcy, Preferences, etc. If any payment to a Secured Party is subsequently invalidated, declared to be fraudulent or preferential or set aside and is required to be repaid to a trustee, receiver or any other party under any bankruptcy law, state or Federal law, common law or equitable cause, and such Secured Party has previously made a deposit in respect of such payment into the Special Trust Account pursuant to ss.6.11, then the Collateral Agent shall distribute to such Secured Party proceeds from the Special Trust Account in an amount equal to such deposit or so much thereof as is affected by such events and if, due to previous disbursements to the Secured Parties pursuant to ss.6.11(d), the proceeds in the Special Trust Account are insufficient for such purpose, then each other Secured Party shall pay to such Secured Party upon demand an amount equal to a ratable portion of such disbursements of the deposit which was distributed to each such Secured Party according to the aggregate amounts so distributed to each such Secured Party. 20 Section 6.15. Sharing of Proceeds. If, despite the provisions of this Agreement, any Secured Party shall receive any payment or other recovery in excess of its portion of payments on account of the Secured Obligations to which it is then entitled in accordance with this Agreement, such Secured Party shall hold such payment or other recovery in trust for the benefit of the parties entitled thereto and promptly pay over or deliver such payment or other recovery to the Collateral Agent for application by the Collateral Agent in accordance with this Agreement. SECTION 7. BANKRUPTCY PROCEEDINGS. The following provisions shall apply during any Bankruptcy Proceeding of any Grantor: (a) The Collateral Agent shall represent all Secured Parties in connection with all matters directly relating to the Collateral, including without limitation, use, sale or lease of Collateral, use of cash collateral, relief from the automatic stay and adequate protection. The Collateral Agent shall act on the instructions of the Required Secured Parties; provided that such instructions by the Required Secured Parties shall not treat any Secured Party differently with respect to rights in the Collateral from any other Secured Party; and provided further that if action is required prior to the time such instructions are received or if the Required Secured Parties fail to give instructions with respect to any matter, the Collateral Agent shall be authorized to act, or refrain from acting, in accordance with ss.6.5 hereof. (b) Each Secured Party shall be free to act independently on any issue not directly relating to the Collateral, including without limitation, matters relating to appointment of a trustee, conversion of a case, filing of claims, and plans of reorganization. Each Secured Party shall give prior notice to the Collateral Agent of any such action to the extent that such notice is possible. If such prior notice is not given, such Secured Party shall give prompt notice following any such action. SECTION 8. ADDITIONAL AGREEMENTS OF SECURED PARTIES. (a) The Term Debt Secured Parties agree that the Revolving Debt Secured Parties, through their authorized representatives or agents, may (to the extent the Term Debt Secured Parties have the right to restrict access to the Term Debt Priority Collateral) enter upon any real property constituting Term Debt Priority Collateral from time to time during normal business hours for the sole purpose of inspecting, repairing, removing, caring for, harvesting, protecting or conducting a sale or sales of any or all of the Revolving Debt Priority Collateral if the Agent provides the Term Debt Secured Parties notice prior to each entry (which shall not be less than two (2) business days except in the case of emergency). The Term Debt Secured Parties further agree that neither the Agent nor any Revolving Debt Secured Party shall have any obligation or liability to any Term Debt Secured Party, except, however, that the Revolving Debt Secured Parties shall promptly repair any damage to the Term Debt Priority Collateral caused by the removal, repair, sale or inspection and the Revolving Debt Secured Parties shall be liable for, and shall indemnify, defend and hold the Collateral Agent and the Term Debt Secured Parties harmless from the gross negligence or willful misconduct of their employees or agents in connection with such removal, repairs, sale or inspection. The Agent and Revolving Debt Secured Parties agree that neither the Collateral Agent nor the Term Debt Secured Parties shall 21 have any obligation or liability to preserve, protect, manage, maintain, safekeep or otherwise have any responsibility for the Revolving Debt Priority Collateral beyond the safe custody of any Collateral in any such Person's actual possession; provided, however, that the Term Debt Secured Parties agree that they will not take or direct the Collateral Agent to take any action to destroy or damage any crops grown on, attached to, affixed to, or located on any Term Debt Priority Collateral. (b) The Collateral Agent agrees to use its best efforts to give to the Agent, via certified mail, written notice prior to the exercise by the Collateral Agent of any of its rights or remedies against the Term Debt Priority Collateral at the address provided for in ss.10.2 below; PROVIDED, HOWEVER, that any failure to so provide such notice shall have no effect on the ability of the Collateral Agent to exercise any of its rights or remedies against the Term Debt Priority Collateral. (c) The Collateral Agent agrees to use its best efforts to give to the Term Debt Secured Parties, via certified mail, written notice prior to the exercise by Collateral Agent of any of its rights or remedies against the Revolving Debt Priority Collateral at the address provided for in ss.10.2 below; PROVIDED, HOWEVER, that any failure to so provide such notice shall have no effect on the ability of the Collateral Agent to exercise any of its rights or remedies against the Revolving Debt Priority Collateral. (d) If the Collateral Agent takes possession of the Grantors' books and records included in the Revolving Debt Priority Collateral, the Collateral Agent shall provide the Term Debt Secured Parties reasonable access to inspect and copy such books and records if the Term Debt Secured Parties provide prior notice (which shall be not less than two (2) business days except in the case of emergency) and if such access is necessary to exercise its rights and remedies in the Term Debt Priority Collateral. (e) If the Collateral Agent or the Revolving Debt Secured Parties receives any Term Debt Priority Collateral or any proceeds thereof (other than crops and proceeds of crops which are not included in the Term Debt Priority Collateral) in which the Term Debt Secured Parties have a prior perfected security interest or if the Collateral Agent or Term Debt Secured Parties receives any Revolving Debt Priority Collateral or any proceeds thereof in which the Revolving Debt Secured Parties have a prior perfected security interest, such party shall (a) notify the other party in writing of the nature of such receipt, the date of the receipt and the amount thereof; (b) deduct from the proceeds received any costs or expenses (including attorneys' fees and expenses) incurred in connection with the acquisition of such proceeds; (c) hold the remaining amount of such proceeds in trust for the benefit of the other party until paid over to the other party; and (d) pay the remaining amount of such proceeds or deliver the applicable Collateral to the other party hereto promptly upon receipt thereof. If at any time payment, in whole or in part, of any Collateral or proceeds of Collateral distributed hereunder is rescinded or must otherwise be restored or returned as a preference, fraudulent conveyance or otherwise under any bankruptcy, insolvency or similar law, then each party receiving any portion of such proceeds agrees, upon demand, to return the portion of such proceeds it has received to the party responsible for restoring or returning such proceeds. 22 SECTION 9. PROVISIONS RELATING TO PATENT & TRADEMARK COLLATERAL For the purpose of enabling the Collateral Agent to exercise its rights and remedies under the Collateral Documents and under applicable law in respect of the Revolving Debt Priority Collateral, each Secured Party hereby permits the Collateral Agent to use, license or sublicense any of the Patent and Trademark Collateral as reasonably required in connection therewith. SECTION 10. MISCELLANEOUS. Section 10.1. Entire Agreement. This Agreement represents the entire Agreement among the Collateral Agent, the Agent, the Secured Parties and the Grantors in respect of the subject matter hereof. Section 10.2. Notices. Notices hereunder shall be given to the Secured Parties at their addresses as set forth in the Note Agreement or the Credit Agreement or at such other address as may be designated by each in a written notice to the other parties hereto. Section 10.3. Successors and Assigns. This Agreement shall be binding upon and inure to the benefit of the Collateral Agent, the Agent and each of the Secured Parties and their respective successors and assigns, whether so expressed or not, and, in particular, shall inure to the benefit of and be enforceable by and against any future holder or holders of any Secured Obligations, and the term "Secured Party" shall include any such subsequent holder of Secured Obligations, wherever the context permits. Section 10.4. Consents, Amendment, Waivers. All amendments, waivers or consents of any provision of this Agreement shall be effective only if the same shall be in writing and signed by the Collateral Agent, the Agent and all of the Secured Parties. Section 10.5. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to any conflicts of law principles. Section 10.6. Counterparts. This Agreement may be executed in any number of counterparts, all of which taken together shall constitute one Agreement, and any of the parties hereto may execute this Agreement by signing any such counterpart. Section 10.7. Sale of Interest. No Secured Party will sell, transfer or otherwise dispose of any interest in the Secured Obligations unless such purchaser or transferee shall agree, in writing, to be bound by the terms of this Agreement. Section 10.8. Severability. In case any one or more of the provisions contained in this Agreement shall be invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions of this Agreement shall not in any way be affected or impaired thereby. 23 Section 10.9. Expenses. In the event of any litigation to enforce this Agreement, the prevailing party shall be entitled to its reasonable attorney's fees (including the allocated costs of in-house counsel). Section 10.10. Term of Agreement. This Agreement shall terminate when all Secured Obligations are paid in full and such payments are not subject to any possibility of revocation or rescission and no Secured Party has any commitment to extend any additional credit constituting Secured Obligations under the terms of the Credit Agreement, or when the Collateral Agent, the Agent and all of the Secured Parties mutually agree in a writing to terminate this Agreement, whichever occurs earlier. Section 10.11. Obligations Several. The obligations of the Secured Parties, the Agent and the Collateral Agent hereunder are several. The failure of any Secured Party, the Agent or the Collateral Agent to carry out its obligations hereunder shall not relieve any other Secured Party, the Agent or the Collateral Agent of any obligation hereunder, nor shall any Secured Party, the Agent or the Collateral Agent be responsible for the obligations of, or any action taken or omitted by, any other Person hereunder. Nothing contained in this Agreement shall be deemed to cause any Secured Party, the Agent or the Collateral Agent to be considered a partner of or joint venturer with any other Secured Party, the Collateral Agent, the Agent, the Subsidiary Guarantors or the Company. IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed as of the date first above written. COOPERATIEVE CENTRALE RAIFFEISEN- BOERENLEEBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, AS AGENT BY:___________________________________ NAME: ________________________________ ITS:__________________________________ BY:___________________________________ NAME: ________________________________ ITS:__________________________________ 24 COOPERATIEVE CENTRALE RAIFFEISEN- BOERENLEEBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, AS COLLATERAL AGENT BY:___________________________________ NAME: ________________________________ ITS:__________________________________ BY:___________________________________ NAME: ________________________________ ITS:__________________________________ FARM CREDIT SERVICES OF AMERICA, PCA BY:___________________________________ NAME: ________________________________ ITS:__________________________________ AGSTAR FINANCIAL SERVICES, PCA, D/B/A FARM CREDIT SERVICES COMMERCIAL FINANCE GROUP BY:___________________________________ NAME: ________________________________ ITS:__________________________________ 25 COOPERATIEVE CENTRALE RAIFFEISEN- BOERENLEEBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, AS A FACILITY LENDER BY:___________________________________ NAME: ________________________________ ITS:__________________________________ BY:___________________________________ NAME: ________________________________ ITS:__________________________________ FARM CREDIT WEST FLCA BY:___________________________________ NAME: ________________________________ ITS:__________________________________ U.S. BANK NATIONAL ASSOCIATION BY:___________________________________ NAME: ________________________________ ITS:__________________________________ 26 COMERICA BANK - CALIFORNIA BY:___________________________________ NAME: ________________________________ ITS:__________________________________ THE UNDERSIGNED HEREBY ACKNOWLEDGE AND AGREE TO THE FOREGOING AGREEMENT. EDNA VALLEY VINEYARD BY:___________________________________ NAME: ________________________________ ITS:__________________________________ SHW EQUITY CO. BY:___________________________________ NAME: ________________________________ ITS:__________________________________ CANOE RIDGE VINEYARD, L.L.C. BY:___________________________________ NAME: ________________________________ ITS:__________________________________ 27 STATON HILLS WINERY COMPANY LIMITED BY:___________________________________ NAME: ________________________________ ITS:__________________________________ BY:___________________________________ NAME: ________________________________ ITS:__________________________________ CANOE RIDGE WINERY, INC. BY:___________________________________ NAME: ________________________________ ITS:__________________________________ THE CHALONE WINE GROUP, LTD. BY:___________________________________ NAME: ________________________________ ITS:__________________________________ 28 Exhibit A to Intercreditor Agreement Revolving Debt Priority Collateral The collateral described in the granting clauses of the Security Agreements each dated as of April 19, 2002, made by the Grantors in favor of the Collateral Agent to secure the Facility Debt (as the same may from time to time be amended, restated, supplemented or otherwise modified, the "SECURITY AGREEMENT") including, without limitation: Each Grantor's right, title and interest in, to and under all of its personal property, wherever located and whether now existing or owned or hereafter acquired or arising, including the following property: (i) all Accounts; (ii) all Chattel Paper; (iii) all Commercial Tort Claims; (iv) all Deposit Accounts; (v) all Documents; (vi) all Equipment; (vii) all Farm Products, (viii) all General Intangibles; (ix) all Instruments; (x) all Inventory; (xi) all Investment Property; (xii) all Letter-of-Credit Rights; and (xii) all money, all products and Proceeds of any and all of the foregoing, and all Supporting Obligations of any and all of the foregoing. Notwithstanding the foregoing, except for fixtures (as provided in Section 9-313 of the UCC), such grant of a security interest shall not extend to any asset which would be real property under the law of the jurisdiction in which it is located or any Excluded Collateral. Capitalized terms used in this Exhibit A and not otherwise defined in this Agreement or in this Exhibit A shall have the meanings given to such terms in the Security Agreement. Exhibit B to Intercreditor Agreement Real Property Real Property All of the Mortgaged Property (as defined in the subject Deed of Trust) described in each Deed of Trust in each of the following locations: Deeds of Trusts executed by the Company and/or various Subsidiary Guarantors for real properties bearing the following APN designations in the States of California and Washington: APN 047-272-012 047-272-011 047-272-016 047-272-018 027-470-030 127-011-001 053-070-037 417-181-053 417-201-001 417-181-029 417-181-030 417-181-036 417-181-052 417-201-002 36-07-19-51-2701 36-07-19-51-2702 36-07-19-51-2601 36-07-19-51-2602 1-2554-400-0004-001 1-3055-200-0001-001 1-2554-400-0003-000 191221-41002 191211-42001 191221-13001 191221-14001 191221-31013 -2- Exhibit C to Intercreditor Agreement TERM DEBT PRIORITY COLLATERAL THE COLLATERAL DESCRIBED IN THE GRANTING CLAUSES OF THE DEEDS OF TRUST INCLUDING, WITHOUT LIMITATION: GRANTING CLAUSE FIRST COLLATERAL [For leasehold properties: All of the Company's leasehold estate created under that certain lease dated __________, 19__ between the Company, as Lessee and ___________, as Lessor (said Lessor, together with their respective successors and assigns, said Lease as heretofore amended together with any future modifications, amendments, additions, assignments and supplements thereto, and substitutions, extensions, renewals or replacements thereof is hereafter referred to as the "Lease") demising the parcels of land in ______ County in the State of California described in Annex A attached hereto and made a part hereof ("Land"), together with all options to renew, extend or purchase (including rights of first refusal) now or hereafter contained in the Lease, and the benefits of all covenants contained in the Lease whether running with the Land or otherwise, together with the entire interest of the Company in and to all buildings, structures, improvements and appurtenances now standing, or at any time hereafter constructed or placed, upon such land, including all right, title and interest of the Company, if any, in and to all building material, building equipment and fixtures of every kind and nature whatsoever on said land or in any building, structure or improvement now or hereafter standing on said land which are classified as fixtures under applicable law and which are used in connection with the operation, maintenance or protection of said buildings, structures and improvements as such (including, without limitation, all boilers, air conditioning, ventilating, plumbing, heating, lighting and electrical systems and apparatus, all communications equipment and intercom systems and apparatus, all sprinkler equipment and apparatus and all elevators and escalators) and the reversion or reversions, remainder or remainders, in and to said land, and together with the entire interest of the Company in and to all and singular the tenements, hereditaments, easements, rights of way, rights, privileges and appurtenances to said land, belonging or in anywise appertaining thereto, including, without limitation, the entire right, title and interest of the Company in, to and under any streets, ways, alleys, gores or strips of land adjoining said land, and all claims or demands whatsoever of the Company either in law or in equity, in possession or expectancy, of, in and to said land, it being the intention of the parties hereto that, so far as may be permitted by law, all property of the character hereinabove described, which is now owned or is hereafter acquired by the Company and is affixed or attached or annexed to said land, shall be and remain or become and constitute the security covered by and subject to the Lien of this Deed of Trust, together with all accessions, parts and appurtenances appertaining or attached thereto and all substitutions, renewals or replacements of and additions, improvements, accessions and accumulations to any and all thereof, and together with all rights, powers, privileges, options and other benefits of the Company, as sublessor, under any subleases including the right to collect any and all rents, profits or other income and the present and continuing right to make claim for, collect, receive and receipt for any and all of such rents, profits or other income (all of which properties are hereinafter referred to as the "REAL PROPERTY"). The assignment of rents set forth in the proceeding sentence is intended by the parties hereto to be effective to create a present security interest in all existing and future rents, profits or other income arising from or related to the Land under California Civil Code Section 2938, as amended from time to time.] [For fee owned properties: The parcels of land in ______ County in the State of California described in Annex A attached hereto and made a part hereof ("LAND"), together with the entire interest of the Company in and to all buildings, structures, improvements and appurtenances now standing, or at any time hereafter constructed or placed, upon such land, including all right, title and interest of the Company, if any, in and to all building material, building equipment and fixtures of every kind and nature whatsoever on said land or in any building, structure or improvement now or hereafter standing on said land which are classified as fixtures under applicable law and which are used in connection with the operation, maintenance or protection of said buildings, structures and improvements as such (including, without limitation, all boilers, air conditioning, ventilating, plumbing, heating, lighting and electrical systems and apparatus, all communications equipment and intercom systems and apparatus, all sprinkler equipment and apparatus and all elevators and escalators) and the reversion or reversions, remainder or remainders, in and to said land, and together with the entire interest of the Company in and to all and singular the tenements, hereditaments, easements, rights of way, rights, privileges and appurtenances to said land, belonging or in anywise appertaining thereto, including, without limitation, the entire right, title and interest of the Company in, to and under any streets, ways, alleys, gores or strips of land adjoining said land, and all claims or demands whatsoever of the Company either in law or in equity, in possession or expectancy, of, in and to said land, it being the intention of the parties hereto that, so far as may be permitted by law, all property of the character hereinabove described, which is now owned or is hereafter acquired by the Company and is affixed or attached or annexed to said land, shall be and remain or become and constitute a portion of said land and the security covered by and subject to the Lien of this Deed of Trust, together with all accessions, parts and appurtenances appertaining or attached thereto and all substitutions, renewals or replacements of and additions, improvements, accessions and accumulations to any and all thereof, and together with all rights, powers, privileges, options and other benefits of the Company, as lessor, under any leases including the right to collect any and all rents, profits or other income and the present and continuing right to make claim for, collect, receive and receipt for any and all of such rents, profits or other income (all of which properties are hereinafter referred to as the "REAL PROPERTY"). The assignment of rents set forth in the proceeding sentence is intended by the parties hereto to be effective to create a present security interest in all existing and future rents, profits or other income arising from or related to the Land under California Civil Code Section 2938, as amended from time to time.] -2- GRANTING CLAUSE SECOND TRADE PROPERTY All materials, furniture, furnishings, machinery, fixtures and equipment now or hereafter erected on or affixed to the Collateral and including, but not limited to, all heating, plumbing, lighting, water heating, cooking, laundry, refrigerating, incinerating, communications, ventilating and air conditioning equipment, building signs, disposals, dishwashers, telephone systems, sprinkler systems, fire extinguishing apparatus and equipment, water tanks, engines, machines, boilers, dynamos, stokers, elevators, motors, cabinets, shades, blinds, partitions, window screens, screen doors, storm windows, awnings, drapes, rugs and other floor coverings, furniture, furnishings, radios and television sets and wiring and antennae therefor, and all fixtures, accessions and appurtenances thereto, and all renewals or replacements of or substitutions for any of the foregoing, together with all other goods, equipment, furnishings, fixtures, machinery and furniture owned by the Company now or hereafter attached or affixed to or used in and about the building or buildings now erected or hereafter to be erected on the Collateral, or otherwise located on the Collateral, and all fixtures, accessions and appurtenances thereto, and all renewals or replacements of or substitutions for any of the foregoing (all of which properties are hereinafter referred to as "TRADE PROPERTY"). GRANTING CLAUSE THIRD CONDEMNATION AWARDS AND PAYMENTS To the extent assignable, all judgments, awards of damages, settlements and other compensation heretofore or hereafter made resulting from condemnation proceedings or the taking of the Collateral or any part thereof or any improvements now or at any time hereafter located thereon or any easement or other appurtenance thereto under the power of eminent domain, or any similar power or right (including any award from the United States Government at any time after the allowance of the claim therefor, the ascertainment of the amount thereof and the issuance of the warrant for the payment thereof), whether permanent or temporary, or for any damage (whether caused by such taking or otherwise) to said Collateral or any part thereof or the improvements thereon or any part thereof, or to any rights appurtenant thereto, including severance and consequential damage, and any award for change of grade of streets (collectively, "CONDEMNATION AWARDS"). GRANTING CLAUSE FOURTH Subject to the satisfaction in full of all indebtedness outstanding under the Revolving Credit Agreement Notes, a collateral security interest in all of the Company's right, -3- title and interest in and to the General Intangibles related to the Collateral (as defined in the Credit Agreement) of the Company. GRANTING CLAUSE FIFTH PROCEEDS All proceeds of the conversion, voluntary or involuntary, of any of the foregoing into cash or other liquidated claims, including, without limitation, all proceeds and payments of insurance related to the Collateral. EXCEPTED PROPERTY There is, however, expressly excepted and excluded from the Term Debt Priority Collateral, the Revolving Debt Priority Collateral of the Company and the other Grantors, now owned or hereafter acquired (herein called the "EXCEPTED PROPERTY"). -4- Schedule I to Intercreditor Agreement List of Noteholders Farm Credit Services of America, PCA Agstar Financial Services, PCA, D/B/A Farm Credit Services Commercial Finance Group -5- Schedule II to Intercreditor Agreement List of Facility Lenders Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch Farm Credit West FLCA U.S. Bank National Association Comerica Bank - California -6- FORM OF COMPLIANCE CERTIFICATE To Each Of The Purchasers Listed In The Attached Schedule 2 Re: The Chalone Wine Group, Ltd. Ladies and Gentlemen: This Compliance Certificate is made and delivered pursuant to the Amended and Restated Note Purchase Agreement dated as of April 19, 2002 (as amended, modified, supplemented, renewed or extended from time to time, the "Note Purchase Agreement") among The Chalone Wine Group, Ltd. (the "Company"), and each of the Purchasers listed in the attached Schedule 2, and reference is made thereto for full particulars of the matters described therein. All capitalized terms used in this Compliance Certificate and not otherwise defined herein shall have the meanings assigned to them in the Note Purchase Agreement. This Compliance Certificate relates to the accounting period ending __________. I am the [Chief Financial Officer] of the Company. I have reviewed the terms of the Note Purchase Agreement and I have made, or caused to be made under my supervision, a detailed review of the transactions and conditions of the Company and its Subsidiaries during such accounting period. I hereby certify that the information set forth on Schedule 1 hereto (and on any additional schedules hereto setting forth further supporting detail) is true, accurate and complete as of the end of such accounting period. I hereby further certify that (i) as of the date hereof, no Default has occurred and is continuing, and (ii) on and as of the date hereof, there has occurred no Material Adverse Effect since December 31, 2001 except in each case as may be set forth in a separate attachment hereto describing in detail the nature of each condition or event constituting an exception to the foregoing statements, the period during which it has existed and the action which the Company is taking or proposes to take with respect to each such condition or event. IN WITNESS WHEREOF, the undersigned officer has signed this Compliance Certificate this ____ day of ______________. _________________________________ Name: Title: EXHIBIT F (to the Note Purchase Agreement) SCHEDULE 1 TO COMPLIANCE CERTIFICATE Worksheet for Financial Covenants for the accounting period ending ____________________. Section 10.4(a)-Leverage Ratio Actual Required ______________________________ ______ ________ A. Consolidated Indebtedness (i) total Indebtedness of the $_____________ Company and its Subsidiaries on a consolidated basis (ii) accounts payable to trade $_____________ creditors for goods and services and current operating liabilities (not the result of the borrowing of money) incurred in the ordinary course of the Company's or the Subsidiaries' business in accordance with customary terms and paid within the specified time (unless contested in good faith by appropriate proceedings and reserved for in accordance with GAAP) (iii) Indebtedness owing by the $_____________ Company to the estate of Richard Graff in a principal amount not to exceed $1,000,000 (i) minus (ii) minus (iii) $ ============== B. 600% of Consolidated Rent Expense $______________ (calculated on a rolling 4-quarter basis) C. A + B $______________ F-2 D. Consolidated EBITDA (calculated on a rolling 4-quarter basis) (i) Consolidated Net Income (computed $______________ without giving effect to any gains or losses from dispositions of assets and other extraordinary items) (ii) Consolidated Interest Expense $______________ (iii) income tax expense $______________ (iv) depreciation expense, $______________ amortization expense, other non-cash expenses Sum of (i) + (ii) + (iii) + (iv) $ ============== E. Consolidated Rent Expense $______________ (calculated on a rolling 4-quarter basis) F. D + E $______________ G. Ratio of C to F ______:________ See Section 10.4 (a) of the Note Purchase Agreement Section 10.4(b) - Consolidated Tangible Net Worth A. Minimum Consolidated Tangible Net Worth Calculation (i) $76,000,000 $______________ $76,000,000 F-3 (ii) Net Issuance Proceeds received by the Company or any Subsidiary from the sale or issuance of equity securities to any Person other than the Company or any Subsidiary after December 31,2001 $______________ (iii) Net Issuance Proceeds received by the Company or any Subsidiary from the sale or issuance of Subordinated Debt to any Person other than the Company or any Subsidiary after December 31, 2001 $______________ (iv) 75% of positive Consolidated Net Income, if any, for each fiscal quarter elapsed after December 31, 2001 $______________ Sum of (i) + (ii) + (iii) + (iv) $______________ B. Consolidated Tangible Net Worth (i) Consolidated Total Assets $______________ (ii)Intangible Assets (including $______________ goodwill, organizational expense, research and development expense, patent applications, patents, trademarks, trade names, brands, copyrights, trade secrets, customer lists, licenses, franchises and covenants not to compete) (iii) Subordinated Debt $______________ (iv) Consolidated Total Liabilities $______________ Sum of (i) - (ii) + (iii) - (iv) $ ============== C. Excess (deficient) for covenant $______________ compliance (B minus A) F-4 Section 10.4(c) - Interest Coverage Ratio A. Consolidated EBIT (calculated on a $______________ rolling 4-quarter basis) (i) Consolidated Net Income $______________ (computed without giving effect to any gains or losses from dispositions of assets and other extraordinary items) (ii) Consolidated Interest Expense $______________ (iii) income tax expense $______________ Sum of (i) + (ii) + (iii) $ ============== B. Consolidated Interest Expense $______________ (calculated on a rolling 4-quarter basis) C. Ratio of A to B ______:________ See Section 10.4 (c) of the Note Purchase Agreement Section 10.4(d) - Fixed Charge Coverage Ratio A. Consolidated EBITDA (calculated $______________ on a rolling 4-quarter basis) B. Fixed Charge calculation (i) Consolidated Interest Expense $______________ (calculated on a rolling 4-quarter basis) F-5 (ii) regularly scheduled principal payments on Indebtedness (including such payments attributable to Capital Leases) of the Company and its Subsidiaries for the four consecutive fiscal quarters then most recently ended $______________ (iii) cash income taxes of the Company and its Subsidiaries for the four consecutive fiscal quarters then most recently ended $______________ (iv) Cash dividends of the Company and its Subsidiaries for the four consecutive fiscal quarters then most recently ended $______________ Sum of (i) + (ii) + (iii) + (iv) $______________ C. Ratio of A to B ______:________ See Section 10.4 (d) of the Note Purchase Agreement Section 10.4(e)(i) - Capital Expenditure on new wine barrels A. Capital expenditures made on new wine barrels during fiscal year to date $______________ B. Capital expenditures on new wine barrels that could have been made during prior fiscal year but which were not made $______________ C. Maximum permitted capital expenditures on wine barrels ($_________ plus Line B above) $______________ D. Excess (deficient) for covenant compliance (C minus A) $ ============== F-6 Section 10.4(e)(ii) - Capital Expenditure on other fixed or capital assets A. Capital expenditures made on other assets during fiscal year to date $______________ B. Capital expenditures on other assets that could have been made during prior fiscal year but which were not made $______________ C. Maximum permitted capital expenditures on other assets ($_________ plus Line B above) $______________ D. Excess (deficient) for covenant compliance (C minus A) $ ============== Section 10.8(h) - Intercompany Loans A. Canoe Ridge Intercompany Loan $7,000,000 Amount $______________ (adjusted annually) B. Edna Valley Intercompany Loan $20,000,000 Amount $______________ (adjusted annually) C. SHW Intercompany Loan Amount $______________ $8,000,000 (adjusted annually) D. A + B + C $ $35,000,000 ============== (adjusted annually) F-7 FORM OF UPDATE CERTIFICATE See attached certificate. EXHIBIT G (to the Note Purchase Agreement) UPDATE CERTIFICATE for the Reporting Period ended _______________, 20__ Date: [ ], 200[ ] To: The Parties to the Note Agreement described below. Ladies and Gentlemen: Reference is made to that certain Amended and Restated Note Purchase Agreement dated as of April 19, 2002 (as amended, modified, renewed or extended from time to time, the "Agreement"), between The Chalone Wine Group, Ltd. (the "Company") and each of the Purchasers named therein. Capitalized terms used and not defined herein shall have the meanings assigned to such terms in the Agreement, as applicable. This Update Certificate is provided pursuant to the Agreement without limiting the Company's or any Subsidiary's ongoing reporting obligations under the Loan Documents with respect to the matters covered by this Update Certificate. The undersigned hereby certifies to the Purchasers, that as to the Company and each Subsidiary (each a "Loan Party" and, collectively, the "Loan Parties") that, during the period referred to below to the date hereof (the "Reporting Period"), there has not been (i) any change in its corporate name, in its registration as an organization (or new registration) or in its jurisdiction of organization, (ii) any change in the location of its chief executive office, its principal place of business, any office in which it maintains books or records relating to Collateral owned by it or any office or facility at which Collateral owned by it is located (including the establishment of any new such office or facility), (iii) any securities account, bank account or other deposit account opened by a Loan Party or any change in the names or locations of any other persons in possession of Collateral, (iv) any new lease of real property entered into by a Loan Party, (v) the creation or acquisition of any Subsidiary by a Loan Party, (vi) any creation or acquisition by a Loan Party of any new patent or trademark rights, or copyrights, owned or maintained by a Loan Party, (vii) any acquisition of any right to payment or performance under a letter of credit, or (viii) any new claims of any Loan Party against any third person for damages (whether or not suit has been filed), except as follows: 1. Names; Jurisdiction of Organization. (a) During the Reporting Period, a Loan Party changed its corporate (b) During the Reporting Period, a Loan Party changed its jurisdiction of organization as follows: (c) During the Reporting Period, a Loan Party changed its registration as an organization or obtained a new registration as follows: G-2 2. Locations. (a) During the Reporting Period, a Loan Party changed the location of its chief executive office as follows: (b) During the Reporting Period, a Loan Party changed the location of its principal place of business as follows: (c) During the Reporting Period, a Loan Party changed the location of any office in which it maintains books and records relating to the Collateral owned by it or any office or facility at which Collateral owned by it is located (including the establishment of any such new office or facility and any new co-location of Collateral or other third party site) as follows, and the value of the Collateral at any such new location is also identified: 3. New Names and Locations of Persons Possessing Collateral (including New Deposit Accounts). During the Reporting Period, the names and locations of any persons other than a Loan Party that have possession of any Collateral of a Loan Party changed as follows (include the location of any new bank accounts, securities custody accounts, or similar accounts opened by a Loan Party during the Reporting Period): 4. Real Property Leases. During the Reporting Period, a Loan Party entered into new real property leases as follows: 5. Subsidiaries. During the Reporting Period, a Loan Party created or acquired the following direct or indirect Subsidiaries: 6. Intellectual Property. During the Reporting Period, a Loan Party created or acquired, or otherwise become entitled to the benefit of, intellectual property consisting of any patents, trademarks, or copyrights (or any renewals, extensions or applications with regard to the foregoing), as follows: 7. Letter-of-Credit Rights. During the Reporting Period, a Loan Party acquired right to payment or performance under a letter of credit as follows: 8. Commercial Tort Claims. During the Reporting Period, new claims of a Loan Party against any third person for damages (whether or not suit has been filed) arose as follows: Consistent with the provisions of revised Article 9 of the Uniform Commercial Code of the relevant jurisdiction(s) (as and when adopted), the Loan Parties hereby authorize the Collateral Agent to file (with or without a Loan Party's signature), at any time and from time to time thereafter, all financing statements, assignments, continuation financing statements, financing statement amendments, termination statements and other documents and instruments, in form reasonably satisfactory to the Collateral Agent, and take all other action, as the Collateral Agent may deem reasonable, to perfect and continue perfected, maintain the priority of or provide notice of any security interest of the Collateral Agent in the Collateral and to accomplish the purposes of the Agreement. G-3 IN WITNESS WHEREOF, the undersigned has executed this Update Certificate on behalf of the Loan Parties. _____________________________________________ Name: Title: Note Agreement dated: April 19, 2002 Start date of Reporting Period: ______________ G-4 EXHIBIT 10.56 SECOND AMENDMENT TO JOINT VENTURE AGREEMENT OF EDNA VALLEY VINEYARD THIS SECOND AMENDMENT (the "Amendment") is made and entered into as of this ___ day of June, 2002, by and between Paragon Vineyard Co., Inc., a Nevada corporation ("Paragon"), and The Chalone Wine Group, Ltd., a California corporation ("Chalone"). RECITALS A. Paragon and Chalone entered into a Joint Venture Agreement on April 18, 1980, pursuant to which the parties established the Edna Valley Vineyard Joint Venture. The original Joint Venture Agreement was amended and restated as of January 1, 1991 (hereinafter, the "1991 Joint Venture Agreement"). The 1991 Joint Venture Agreement was amended by the parties pursuant to an amendment dated December 27, 1996 (hereinafter, the "1996 Amendment"). The 1991 Joint Venture Agreement, as amended by the 1996 Amendment, and as amended herein, is referred to hereinafter as the "Joint Venture Agreement," and the joint venture established thereby is referred to hereinafter as the "Joint Venture." B. Paragon and Chalone desire to amend the Joint Venture Agreement in those respects specified herein, and only in those respects specified herein. IN CONSIDERATION of the foregoing and the mutual covenants set forth herein, Paragon and Chalone agree as follows: 1 1. AMENDMENTS TO ARTICLE V OF THE JOINT VENTURE AGREEMENT (SUPPLY OF GRAPES BY PARAGON TO THE JOINT VENTURE) Article V of the Joint Venture Agreement is hereby amended in the following respects and in the following respects only. Section 5.1(a) is hereby amended in its entirety to read as follows: "(a) Paragon and the Joint Venture shall, concurrently with the execution of this Amendment, enter into the Second Amended and Restated Grape Purchase Agreement (the "Amended Grape Purchase Agreement"), substantially in the form attached hereto as EXHIBIT A. The Joint Venture may, upon Review Committee approval, purchase and resell, or vint as bulk wine, a portion of the grapes required to be purchased by the Joint Venture from Paragon." 2. AMENDMENTS TO ARTICLE VII OF THE JOINT VENTURE AGREEMENT (DISTRIBUTIONS; ALLOCATION OF INCOME AND LOSS) Article VII of the Joint Venture Agreement is hereby amended in the following respects and in the following respects only. Section 7.3 is hereby added to Article VII to read in its entirety as follows: "7.3 DISTRIBUTIONS For purposes of covering the estimated taxes of each of the Joint Venture Partners in connection with the Joint Venture, by December 15 of each year, the Joint Venture shall distribute to the Joint Venture Partners cash in the aggregate amount of fifty percent (50%) of the projected earnings of the Joint Venture for that year as reasonably determined by the Managing Joint Venture Partner. In addition, by April 15 of the following year, the Joint Venture shall distribute to the Joint Venture Partners an additional amount of cash sufficient to bring the aggregate amount of distributions made to sixty-seven percent (67%) of the actual earnings of the Joint Venture for the previous year; PROVIDED, HOWEVER, that if by April 15 the Joint Venture has not 2 yet determined actual earnings for the previous year, a good faith estimate shall be paid and the Joint Venture shall adjust the foregoing cash distributions totaling sixty-seven percent (67%) to reflect actual earnings once determined. If the adjustment requires additional distributions to the Joint Venture Partners, the Joint Venture shall make such additional distributions as soon as practically possible. If the aggregate distributions made exceed 67% of actual earnings, the Joint Venture may subtract the overpayment from subsequent distributions to be made to the Joint Venture Partners. In certain years, the Joint Venture Partners may agree to reduce or increase the 67% provided for above. The Joint Venture computation of profits shall be made according to generally accepted accounting principles and shall be audited by the Company's accountants. 3. AMENDMENTS TO ARTICLE VIII OF THE JOINT VENTURE AGREEMENT (MANAGEMENT OF THE JOINT VENTURE) Article VIII of the Joint Venture Agreement is herby amended in the following respects and in the following respects only. Section 8.3(d) is hereby amended in its entirety to read as follows: "(d) The Managing Director of the Committee shall be Thomas B. Selfridge, so long as Mr. Selfridge serves as a director of Chalone and so long as Chalone remains the Managing Joint Venture Partner of the Joint Venture. In the event that Mr. Selfridge is no longer qualified or is unable to serve, at a point in time when Chalone is the Managing Joint Venture Partner of the Joint Venture, then the position of Managing Director of the Committee shall be filled as follows: Chalone shall, by written notice to Paragon, identify three candidates each of whom is an officer or director of Chalone and each of whom, 3 by reason of his or her education, training, experience and knowledge of the wine business and the business of the Joint Venture, is qualified to serve as Managing Director of the Committee. The written notice shall specify, in reasonable detail, the qualifications of each candidate to serve as Managing Director of the Committee. Within thirty (30) days of receipt of the aforesaid notice from Chalone, Paragon shall notify Chalone, in writing, of its agreement to the election of one of the three candidates identified by Chalone to serve as Managing Director of the Committee, and such person shall thereafter serve as managing Director of the Committee pursuant to the terms and provisions of the Joint Venture Agreement. If Paragon does not notify Chalone, in writing, of its agreement to the selection of one of the three candidates identified by Chalone within thirty (30) days of Paragon's receipt of the notice from Chalone as aforesaid, then Chalone may, by notice to Paragon, select one of the three candidates identified by Chalone as the Managing Director of the Committee. In the event that Chalone ceases to be the Managing Joint Venture Partner of the Joint Venture, then the position of Managing Director of the Committee shall forthwith become vacant and the individual who shall serve as Managing Director of the Committee shall be determined by the Review Committee. The Managing Director of the Committee shall preside at all meetings of the Committee and shall exercise and perform such other powers and duties as may from time to time be assigned to him by the Committee." Section 8.5(e)(i) is hereby amended in its entirety to read as follows: "(i) The Joint Venture shall bear all costs of promotion and marketing of the wines sold by the Joint Venture except asprovided by paragraph (ii) below. In consideration thereof and its services rendered in promoting and marketing the wines of the Joint Venture, the Managing Joint Venture Partner 4 shall receive a commission, PROVIDED, HOWEVER, that the Managing Joint Venture Partner shall not receive any commission for wines sold at the Winery, through the Edna Valley VineyardWine Club, or over the internet, PROVIDED, HOWEVER, any costs incurred by the Managing General Partner for internet sales shall be reimbursed on a monthly basis. The Managing Joint Venture Partner's commission shall be payable at such time as the Joint Venture receives payment for the merchandise sold. The commission shall be in the following percentages, by category sale: (A) Private label wines: five percent (5%). (B) Branded wines sold in California: ten percent (10%). (C) Branded wines sold other than in California: twelve percent (12%). The out-of-state transfer price will be FOB net of all discounts (including special purchase allowances (SPAs), depletion allowances and any other similar accommodations offered to the trade). The commissions paid to Chalone as provided above will be reduced on a monthly basis by the reduction amount listed on the chart below: Monthly Reduction Year Amount ________________________________ 2002 $41,667/month 2003 $41,667/month 2004 $41,667/month 2005 $41,667/month 2006 - 2021 $ 8,333/month 5 Section 8.5(e)(ii) is hereby amended in its entirety to read as follows: "(ii) Chalone shall act as distributor of the Winery's wine for the State of California. Its continuation as distributor is subject to review from time to time by the Review Committee, with affirmative approval required of the Review Committee for Chalone's continuation as a distributor from year to year. Subject to the foregoing, as distributor of the wines of the Winery in California, Chalone shall be entitled to purchase the wines for distribution at the wholesale price thereof net of all discounts (including special purchase allowances (SPAs), depletion allowances and any other similar accommodations offered to the trade), less 25%. In addition, the Joint Venture shall bear one-half of Chalone's wine sample costs and wine list charges. If at any time Chalone both ceases to be the distributor for the state of California and no longer receives a margin commission from a broker or distributor in California, Chalone's commission for branded wines sold in California shall be eleven and one-quarter percent (11.25%) computed pursuant to Section 8.5(e)(i). 4. REDUCTION IN REVENUE TO PARAGON The annual payments to Paragon for grapes or distributions shall be reduced according to the following formula: YEAR REDUCTION AMOUNT ____ ________________ 2003 $125,000 2004 $250,000 2005 $250,000 2006 through and including 2021 $300,000 This reduction in revenue constitutes a revision to the Joint Venture Agreement and not a modification to the price of grapes. The reduction shall be paid between December 15 and December 31 of each year commencing with the year 2003 and ending in the year 2021. 6 5. RETROACTIVITY OF MODIFICATIONS The foregoing amendments to the Joint Venture Agreement will be retroactive to January 1, 2002, and govern the distribution of operating profits to have been paid in 2002 for the year 2001. 6. FINANCIAL AND MARKETING REPORTING Chalone on behalf of the Joint Venture shall produce and forward to the members of the Review Committee financial and marketing reports which include that information historically included in the financial statements plus a review of manufacturing costs versus budget and against last year's manufacturing costs, and capital expenditures versus budget. The financial and marketing reports will also include (1) an analysis which explains any significant variance in any expense, sales item, or capital expense from budget or from last year, (2) marketing commentary, (3) quarterly case sales versus budget and against last year by product and by market, (4) a monthly "snapshot" of case sales with an explanation of significant variances, and (5) quarterly tracking and explanation of marketing support discounts and programming by product and by market. The reports will be due on the following dates: a. Quarterly full financials the 30th day of the month following the quarter. b. Annual trial balance, March 31st, and annual K-1, March 20th. c. All other reports described above on the 15th day following the month or quarter they are due unless otherwise agreed. 7 6. DUE EXECUTION AND VALIDITY OF THIS AMENDMENT (a) Chalone represents and warrants to Paragon that this Amendment has been duly authorized and executed by it pursuant to all necessary corporate action and, upon its due execution by Paragon, this Amendment shall be a valid and binding agreement of Chalone, enforceable against it in accordance with its terms and conditions. (b) Paragon hereby represents and warrants to Chalone that this Amendment has been duly authorized and executed by it pursuant to all necessary corporate action and, upon its due execution by Chalone, shall be a valid and binding agreement of Paragon, enforceable against it in accordance with its terms and conditions. 7. CONTINUED VALIDITY OF THE 1991 JOINT VENTURE AGREEMENT AND 1996 AMENDMENT Other than as expressly amended hereby, the terms and provisions of the 1991 Joint Venture Agreement, as amended by the 1996 Amendment, shall remain in full force and effect, binding upon Chalone and Paragon and their respective successors and assigns. ________________________________ IN WITNESS WHEREOF, the parties have executed this Amendment of the Joint Venture Agreement as of the day and year first above written. PARAGON VINEYARD CO., INC. By ________________________________ James H. Niven, President THE CHALONE WINE GROUP, LTD. By ________________________________ Thomas B. Selfridge, Chief Executive Officer 8 EXHIBIT A SECOND AMENDED AND RESTATED GRAPE PURCHASE AGREEMENT 9 EXHIBIT 10.57 SECOND AMENDED AND RESTATED GRAPE PURCHASE AGREEMENT This SECOND AMENDED AND RESTATED GRAPE PURCHASE AGREEMENT (the "Agreement") is made and entered into as of this ____ day of June, 2002, by and between PARAGON VINEYARD CO., INC. ("Grower"), and EDNA VALLEY VINEYARD, a Joint Venture ("Buyer"). RECITALS A. Grower is a Nevada corporation operating vineyards in Edna Valley, San Luis Obispo, California. B. Buyer is a joint venture between The Chalone Wine Group Ltd., a California corporation, and Grower (the "Joint Venture"), organized and operating under that certain Joint Venture Agreement dated as of January 1, 1991 (the "1991 Joint Venture Agreement"). The 1991 Joint Venture Agreement was amended as of December 27, 1996 (the "First Amendment"), and was further amended concurrently with the execution of this Agreement as of June __, 2002 (the "Second Amendment"). The 1991 Joint Venture Agreement, as amended by the First Amendment, and as amended by the Second Amendment, is referred to hereinafter as the "Joint Venture Agreement." The purpose of the Joint Venture is to operate a winery as described in the Joint Venture Agreement. C. On January 1, 1991, Grower and Buyer entered into a Revised Grape Purchase Agreement with respect to the sale and purchase of premium varietal wine grapes exclusively from vineyards owned or leased by Grower (or Grower's successor pursuant to Article XI of the Joint Venture Agreement) to be produced at Grower's vineyards (the "Vineyards") in Edna Valley, San Luis Obispo County, California (the "1991 Grape Purchase Agreement"). The 1991 Grape Purchase Agreement was amended and restated on January 1, 1997 (the "1997 Grape Purchase Agreement"). The 1997 Grape Purchase Agreement was amended as of March 1, 1998 (the "1998 Grape Purchase Agreement"). The 1997 Grape Purchase Agreement, as amended by the 1998 Grape Purchase Agreement, is referred to hereinafter as the "Existing Agreement." The parties hereto now wish to amend and restate the 1 Existing Agreement to provide for the purchase and sale of such grapes on the terms and conditions as set forth hereinafter. AGREEMENT 1. TERM: This contract shall terminate upon the earlier of: (a) The dissolution of Buyer, unless the business of Buyer is continued following such dissolution by one or more of the former Joint Venture partners; or (b) Upon the transfer by Grower of all of its Chardonnay producing vineyards in the manner provided in Article XI of the Joint Venture Agreement. In the event the periods described at (a) and (b) above are in excess of the maximum term permitted under California or any other applicable law, then the term of this Agreement shall be the maximum which is lawful under such California or other applicable law. 2. QUANTITY: (a) All grapes purchased by the Buyer to be vinted by the Joint Venture shall be purchased from Grower (or Grower's successor pursuant to Article XI of the Joint Venture Agreement) except as provided in section 2(c)(iii) below or otherwise provided in writing by the parties. (b) All grape purchase contracts with a vineyard other than Grower shall be terminated as soon as practicable and shall not be renewed or extended without the prior written consent of Grower. (c) Grower shall sell and Buyer shall purchase grapes as hereinafter set forth: (i) The annual tonnage by varietal to be purchased is as set forth on EXHIBIT A. (ii) In any year in which there is an excess crop of Chardonnay grapes in order to relieve Grower of undue pressure caused by over supply, Grower shall have the right to deliver, and Buyer shall purchase, up to ten percent (10%) of the annual tonnage stated for each varietal of grapes on EXHIBIT A. (iii) In the event that it appears that Grower's grape crop for any varietal is short and Grower will therefore be unable to deliver the stated annual tonnage for any of the varietal grapes as provided for under this 2 Agreement and Buyer notifies Grower of the need to cover the short fall, both Grower and Buyer shall have the right to propose sources of grapes to cover the anticipated short fall for that year's harvest. If Grower is proposing to provide the grapes to cover, Buyer has the right to a reasonable review and to reject the proposed purchase of grapes based upon quality, price or appellation. If Buyer is proposing to source the grapes to cover, Buyer shall not contract to purchase such grapes without the consultation and prior approval of Grower which may not be unreasonably withheld. All grapes purchased for the purpose of covering a short crop may be used in a blend and the wine produced therefrom may be sold under the Edna Valley Vineyard brand provided it is lawful to do so and such sale shall not constitute a breach or violation of this Agreement, the Joint Venture Agreement, the Revised License Agreement between the parties dated as of December 23, 1996, or any other Agreement between the parties. (iv) No grapes purchased to cover a short fall may be processed at the Buyer's Winery if the grapes come from a region known or reasonably suspected to be infested with phylloxera, the glassy winged sharpshooteror other serious disease or pest although the juice from such grapes, if crushed at a facility other than the Winery may be used in a blend. (v) The obligation to Grower to use its best reasonable efforts to supply Buyer with grapes shall be subject to Grower's obligations to customers other than Buyer (as said customers may be replaced by new customers from time-to-time). By way of illustration and not limitation, should weather conditions or other circumstances limit the harvest in any one year, then the grapes sold to Buyer by Grower shall be reduced pro rata based upon Buyer's share of the year's projected harvest, as determined in good faith by Grower. It is agreed that because of the fact that different customers of Grower may purchase grapes for delivery at different times during the harvest, any good faith allocation made by Grower of its harvest among its customers on or prior to September 1st of each year, shall be binding and conclusive upon Buyer. 3. BASE PURCHASE PRICE: 3 (a) The base purchase price of grapes sold and purchased under this Agreement for the years 2002, 2003, 2004 and 2005 will be as follows: 2002 2003 2004 2005 Chardonnay $2,325/ton $2,372/ton $2,419/ton $2,467/ton Pinot Gris $1,800/ton $1,836/ton $1,873/ton $1,910/ton Viognier $1,800/ton $1,836/ton $1,873/ton $1,910/ton Sauvignon Blanc $1,300/ton $1,326/ton $1,353/ton $1,380/ton Pinot Noir $2,800/ton $2,856/ton $2,913/ton $2,971/ton Syrah(Catharine's Paso Robles) $1,500/ton $1,530/ton $1,561/ton $1,592/ton Syrah (Paragon) $1,800/ton $1,836/ton $1,873/ton $1,910/ton (b) For the year 2006 and beyond, the current year's price for each individual varietal will be calculated by adjusting the prior year's actual price by a factor which has been calculated using the weighted average of the top twenty-five percent (25%) of sales (as determined by price per ton) with Table 8 District 8 and the most recent Grape Crush Report (for the year immediately preceding the current harvest) as the numerator and using the weighted average of the top twenty-five percent (25%) of sales (as determined by price per ton) and Table 8 District 8 from the second year (two years ago) immediately preceding the most recent Grape Crush Report as the denominator.. Changes can be either positive or negative, but will not be more than $100.00 per ton per varietal in any year. In no case will the grape price drop below the 2002 price as stated in Section3(a). The following is an example of how this calculation is to be made: In order to calculate the price for the harvest of 2006: Assume the actual price for the 2005 harvest was $2,000 per ton and Assume the weighted average of the top 25% for this varietal for the prior year's harvest (2005) as reported in the Grape Crush Report, Table 8, for the 2005 harvest (which was published in March of 2006) was $1,800 and Assume the weighted average of the top 25% for this varietal for the harvest of two years prior (2004) as reported in the Grape Crush Report, Table 8, for the 2004 harvest (which was published in March of 2005) was $1,750 4 Prior year's (2005) top 25% $1,800 (numerator) Year before that (2004) $1,750 (denominator) Index would be 102.86% Times last year's (2005) price of $2,000 $2,057.14 ========= This becomes the price for 2006 The Grape Crush Report is the final Grape Crush Report published by the California Department of Food & Agriculture relating to the year of the harvest (the Grape Crush Report). (c) The prices as stated in Section 3(a) will not apply to the Schiebelhut Chardonnay. The Schiebelhut Chardonnay price is determined by a separate written agreement which expires after the 2002 harvest. The parties will jointly monitor the contract to ensure the appropriate notice of termination is given to Schiebelhut. (d) In the event the Grape Crush Report should cease to be published or in the event the parties mutually agree that the sales reported to the Grape Crush Report do not, in general, reflect arms length transactions and the formula is materially affected by the non-arms length transactions, the parties shall agree to another pricing method which when applied will result in grape pricing which will result in fixing prices in substantially the same manner or in a reasonably similar manner. If the parties are unable to agree upon another method the issue shall be mediated or arbitrated pursuant to paragraph 12 hereof. 4. BONUSES AND PENALTIES: (a) The base purchase price determined as set forth in paragraph 3 above shall be paid for grapes delivered with a brix between 22.5 degrees and 24.5 degrees. There shall be a bonus paid for grapes delivered at a sugar content above 24.5 degrees (or in certain circumstances above 24 degrees brix) to a maximum of 27 degrees brix, and a penalty for grapes delivered below 22.5 degrees brix. The bonus or penalty as applicable shall be one percent (1%) of 5 the base price for each one-tenth degree (1/10(degree)) above 24.5 degrees to a maximum of 27 degrees, or below 22.5 degrees to a maximum of 21 degrees. Provided, however, in the event 40% or more of the total tonnage under this Agreement in a given vintage as determined per varietal is not called in by Buyer at press tank zone sugars of 23.5 degrees brix or below the bonus threshold shall be reduced from 24.5 degrees to 24.0 degrees brix for the entire harvest. The optimum sugar is 23.5 degrees brix. From time to time Buyer may call for delivery of up to five percent (5%) of the fruit in a vintage under 22.5 degree brix and such delivery shall be without penalty. (b) All bonuses, penalties or rejection shall be computed on the basis of the weighted average sugar content. The content shall be measured daily and the bonus, penalty or rejection shall be computed on a day of delivery basis. The method of calculation of the weighted average sugar content shall be as depicted in EXHIBIT B, attached hereto and incorporated herein by reference. The sugar content shall be determined by refractometer. The determination of sugar content shall be made by Buyer and reported to Grower within twenty-four (24) hours of each day's delivery. The sugar content shall be determined by zone press tank samples taken at the conclusion of a day's pressing or as soon as reasonably practicable thereafter. The results of a zone tank sample analysis shall be communicated by fax to Grower within two hours of taking the sample. Grower has the right at any time to take its own samples or to compare sample results with Buyer's laboratory in order to confirm the accuracy of any sample testing. (c) If the weighted average sugar content is below 21 degrees or 27 degrees, the grapes may be rejected. 5. CONDITION OF DELIVERED GRAPES. All grapes delivered under this contract shall be delivered with a minimum of Material Other Than Grapes ("MOG"), Defects and Rot. 6 (a) Each grape delivery shall be visually inspected by Buyer for Defects, Rot and MOG. In the event Buyer determines that a load contains Defects, Rot or MOG justifying a rejection of the load and Grower does not acquiesce in the determination, the load shall be referred to the Grape Inspection Service of the California Department of Food & Agriculture for the purpose of making an inspection and a conclusive determination as to the level of Defects. (b) Defects is defined in accordance with the custom of the grape industry and the practice of the Grape Inspection Service of the California Department of Food & Agriculture and shall include grapes with mold, raisining, sunburn, ambering, stress or waterberry conditions, mildew and rot (except Noble Rot in the case of Chardonnay) if such defects amount to three percent (3%) or more of the load. A load of Chardonnay grapes infected with Noble Rot shall not be considered unacceptable if it contains Noble Rot in an amount of less than fifteen percent (15%). Any greater amount shall render the load unacceptable. For the purposes of making the determination as to the type of rot, a distinction must be made between gray rot and Noble Rot. As defined by Richard Smart, the malevolent form of Botrytis is known as gray rot, the most common of all bunch rots. It is typified by rapid growth under moist conditions. On the other hand if it affects ripe, healthy whole lightskinned grapes and the weather and conditions are favorable, Botrytis develops into a benevolent form called Noble Rot ("Noble Rot"). Each load of grapes delivered having more than three percent (3%) Defects, or, for Chardonnay, more than fifteen percent (15%) Noble Rot may be rejected by Buyer subject to confirmation of rejection by State inspection unless Grower acquiesces with Buyer's rejection. (c) MOG shall be defined in accordance with the custom of the grape industry and the practice of the Grape Inspection Service of the California Department of Food & Agriculture and shall include leaves, leaf stems, canes and any other materials foreign to grapes. Each load of grapes delivered having more 7 than three percent (3%) MOG will be considered unacceptable and may be rejected by Buyer subject to confirmation of rejection by State inspection unless Grower acquiesces with Buyer's rejection. (d) Any inspection by the State inspectors shall be made within six (6) hours of the time of delivery of the load. The party seeking a determination of excess Defects, Rot or MOG shall order and pay the cost of the State inspection. Grower shall be notified immediately upon any determination by the State inspector concluding that a grape delivery has Defects, Rot or MOG at a level justifying rejection. Grower at its expense has the right to require the State inspector to make a second determination. The average of the two inspections shall control. In the event a load of grapes is rejected by Buyer and the rejection is upheld by the State inspector, Grower has the right at its sole option to require Buyer to process the grapes into wine. The cost of processing shall be borne by Grower. The price for such services shall be not greater than would be the price from Courtside Cellars or if it is no longer in business as a processor of third party grapes, then a similar type of winery mutually agreed to by the parties. The wine shall at all times be owned by and subject to the disposition of Grower. If there is any determination by the Federal Food and Drug Administration, the California Department of Public Health, or any other governmental agencies that any lot or portion of any lot of grapes are not in compliance with the law or the quality standards set forth in this Agreement, Buyer shall have the right not to accept such grapes. Rejection of grapes pursuant to this Section 5 shall not relieve Grower from the obligation to deliver the tonnage required under this Agreement. The results of field inspections or walkthroughs by Buyer shall not bind Buyer to accept grapes. 6. TIME OF HARVEST: Grower shall keep Buyer advised of sugar development and shall provide grape samples so that Buyer can determine acid and sugar levels. Grower and Buyer jointly shall determine the approximate time of harvest, taking into 8 consideration the condition of the fruit, weather forecasts, Grower's ability to harvest the fruit, and Buyer's ability to receive the fruit. The parties shall cooperate with each other in fixing the time and quantity of grapes to be delivered. Grower may request at any time, upon reasonable notice, the press crew to provide press sugar levels based upon refractometer samples taken from press loads. The exact manner and number of such tests shall be as reasonably agreed. Such information shall be passed from the press crew to Grower as soon as practicable. Nothing in this subparagraph is intended to prevent the parties from establishing a fixed discipline which provides the Grower with information about press run sugars. 7. DELIVERY: (a) Grapes shall be delivered at Grower's expense to Buyer's crushing platform in two (2) ton gondolas or such other conveyance as may from time to time be mutually agreed. Daily delivery quantities and times of delivery shall be agreed upon in advance by the parties. Risk of loss shall pass to the Buyer upon delivery to Buyer's premises. (b) The grapes from Edna Valley will be hand-harvested unless otherwise agreed by the parties. The grapes from Paso Robles will be machine harvested unless otherwise agreed by the parties. In considering the issue of machine harvesting, the parties shall weigh issues of weather, available labor and burdens on the Winery and the Grower. 8. METHOD OF DETERMINING WEIGHT: The weight for each load of grapes shall be the weights recorded on Grower's "Gondola Tickets." Grower shall have the crane scale and the truck scale located at Orcutt Road Cellars which may be utilized to weigh the gondolas inspected and sealed by the State of California Bureau of Weights and Measures prior to each year's harvest. 9. PAYMENT AND REPORTING: (a) Buyer will receive a summary from Grower of the total tonnage delivered (by varietal) during the previous two-week time period of harvest. Buyer will continue to receive a summary for every subsequent two-week period of harvest until harvest is completed. 9 (b) Buyer will make estimated grape payments to Grower, for each two-week summary received thirty (30) days after the last day of each two-week period. Payments will be trued-up after the completion of the harvest. 10. VITICULTURAL PRACTICES: Grower shall use viticultural practices intended to produce grapes of the same or similar quality as heretofore delivered by Grower to Buyer, under the previous grape purchase agreement between the parties. Representatives of Buyer shall have the right to enter into and inspect Grower's vineyards at reasonable times and may call Grower's attention to any conditions or practices which in Buyer's representatives' judgment may prevent the grapes from reaching maturity or proper quality. All responsibility for grape quality rests with Grower and Grower retains final authority with respect to all cultural practices. 11. GROWER'S RIGHT TO RECEIVE PROMOTIONAL WINE AND TO PURCHASE WINE: (a) For each harvest year, Grower shall have the right to receive one hundred twelve (112) cases of promotional wine at no cost. The historic breakdown by varietal is: Chardonnay 39 cases, Reserve Chardonnay 9 cases, Pinot Noir 21 cases, Viognier 8 cases, Muscat 4 cases, Brut Sparkling 6 cases, Pinot Gris 10 cases, Syrah 15 cases. In the event some or all of those varieties are not produced or are in very short supply, the parties shall agree upon a mix of 112 cases. (b) Grower shall have the right to purchase from Buyer up to one percent (1%) of the vintage or one hundred fifty (150) cases of wine, whichever is the lesser, at the inventory cost. (c) Neither the promotional wine or the purchased wine shall be resold by the Grower without the consent of the Joint Venture. 10 12. MEDIATION OR ARBITRATION OF DISPUTES. All disputes between the parties arising under this Agreement shall be resolved by first, nonbinding mediation and failing successful mediation, binding arbitration as provided in Article 18 of the Joint Venture Agreement between the parties, which Article is incorporated herein by reference. 13. CONTINUATION OF PERFORMANCE DURING DISPUTE: Unless the nature of a breach or dispute physically precludes the sale or vinting of grapes, the parties shall continue to provide and take grapes under the terms of this Agreement during any dispute. The continuing obligation to provide and take grapes shall, if appropriate and relevant to the arbitration, be determined by the arbitration. 14. EVENTS OF DEFAULT: (a) Breach of any material term of this Agreement, if such breach is not cured within thirty (30) days after written notice has been given to the breaching party. (b) Breach of a term of the Joint Venture Agreement which has a material effect on the parties' rights and obligations under this Agreement, unless the breach is cured as provided in such Agreement. For purposes of paragraph 15 hereof, the terms "non-defaulting party" and "defaulting party" shall have the meanings ascribed to such terms in the Joint Venture Agreement. (c) A rejection of a delivery or multiple deliveries of grapes because of a failure to meet quality criteria as provided in Paragraph 5 shall not constitute an event of default under this Agreement. An inability to complete the order because of a rejection of a delivery or multiple deliveries is not an event of default under this Agreement. 15. REMEDIES IN THE EVENT OF DEFAULT: The parties shall have the following remedies in the event of default. These remedies are not exclusive; they are cumulative, in addition to any remedies now or later allowed by law or under contract. 11 (a) The non-defaulting party may elect to continue this Agreement in full force and effect. Such an election does not constitute a waiver of any future or continuing default. (b) The non-defaulting party may terminate this Agreement and, if the defaulting party is Grower, Buyer may thereafter purchase grapes for the Joint Venture from other sources, free of further obligations under this Agreement and any provision of any other agreement between the parties requiring the purchase of grapes from Grower's vineyards. (c) Either party may require a default to be the subject of mediation and binding arbitration under the procedures provided for in paragraph 12. 16. FORCE MAJEURE: (a) In the event the business of either party is interrupted or interfered with by reason of any cause beyond its reasonable control including, but not limited to, fire, flood, storm, earthquake, explosion, war, rebellion, insurrection, quarantine, an act of God, disease, weather, lack of water, boycott, embargo, strike, riot, or any governmental law, directive or regulation affecting any part of such party's business, then that party shall at its option be excused for the duration of the intervention or interference from its performance under this Agreement with respect to any or all of the grapes which are affected by such cause and which are thereby undelivered or unaccepted. The foregoing option may be exercised by prompt written notice given to the other party. Similar prompt written notice shall be given of the termination of the event of force majeure. 17. ASSIGNMENT: Neither party may assign this Agreement without the written consent of the other party. However, Grower may assign its right to receive payments under this Agreement and may grant a security interest in growing crops which include grapes to be purchased by Buyer. Upon written request from Grower, Buyer shall make specified payments directly to a secured 12 patty or assignee. In protection of Buyer's rights of supply under this Agreement, Buyer or any Joint Venture partner may request and be entitled to be named as an "also notify party" with respect to any security interest granted pursuant to this paragraph 17, with the right to cure any default of Grower thereunder to the extent necessary to protect Buyer's purchase rights hereunder, for Grower's accont and at Grower's expense. 18. MODIFICATION OR AMENDMENT: This Agreement may not be supplemented, modified, altered or amended except by a written agreement executed by the patties hereto. 19. GOVERNING LAW: This Agreement shall be construed in accordance with and governed by the laws of the State of California. 20. TIME OF THE ESSENCE: Time is of the essence to this Agreement and the time for performance of any act as provided in this Agreement shall be strictly construed. 21. LEGISLATION: This Agreement shall be deemed modified to the extent necessary to comply with valid state and federal laws, rules and regulations and any valid marketing order or agreement issued under authority of any state or federal law. 22. SUCCESSORS: Subject to the limitation on assignment described in paragraph 17, above, this Agreement shall be binding upon and shall inure to the benefit of the successors and assigns of the respective parties hereto. 23. FINAL AGREEMENT: This Second Amended and Restated Grape Purchase Agreement effective June ___, 2002 amends and supersedes in its entirety the provisions of the Existing Agreement. 13 Executed at San Francisco, California, on the date first written above. GROWER BUYER PARAGON VINEYARD CO., INC. EDNA VALLEY VINEYARD By: THE CHALONE WINE GROUP, LTD. By: By:_________________________ _______________________ James H. Niven Thomas B. Selfridge President Chief Executive Officer By: PARAGON VINEYARD CO., INC. By:_________________________ James H. Niven President 14 EXHIBIT A ANNUAL TONNAGE BY VARIETAL CROP YEAR _________________________________________________________________________________________________ 2002 2003 2004 2005 2006 2007 2008 AND FOLLOWING _________________________________________________________________________________________________ NUMBERS SHOWN IN TONS: ___________________________________________________________________________________________________________________________ Chardonnay - Paragon 1,900 2,150 2,150 2,150 2,150 2,150 2,150 _________________________________________________________________________________________________ Chardonnay - Scheibelhut 500 - - - - - - - _________________________________________________________________________________________________ CHARDONNAY TOTAL 2,400 2,150 2,150 2,150 2,150 2,150 2,150 _________________________________________________________________________________________________ SAUVIGNON BLANC TOTAL - 100 100 100 100 100 100 _________________________________________________________________________________________________ OUTPUT CONTRACT PINOT GRIS TOTAL 70 85 ESTIMATED 100 100 100 100 100 TO BE 100 TONS _________________________________________________________________________________________________ VIOGNIER TOTAL - - - 4 TONS 12 12 12 _________________________________________________________________________________________________ WHITES TOTAL 2,470 2,335 2,350 2354 2,362 2,362 2,362 ================================================================================================= PINOT NOIR TOTAL 269 310 310 310 360 360 410 _________________________________________________________________________________________________ Syrah - Catharine's 50 50 50 150 200 250 300 _________________________________________________________________________________________________ Syrah - Paragon 25 59 88 115 200 300 300 _________________________________________________________________________________________________ SYRAH TOTAL 75 109 138 265 400 550 600 _________________________________________________________________________________________________ REDS TOTAL 344 419 448 575 760 910 1,010 ================================================================================================= GRAND TOTAL 2,814 2,754 2,798 2,929 3,122 3,272 3,372 ================================================================================================= %Red 12% 15% 16% 20% 24% 28% 30% ___________________________________________________________________________________________________________________________ 15 EXHIBIT B Illustration of calculation of bonuses or penalties. Calculation for delivery date ______________ (7:00 a.m. to 12:00 midnight). PRESS LOAD TANK NUMBER DEGREES BRIX GALLONS ______________________ ____________ _______ 1 23.5 10,000 2 24.6 15,000 Weighted average sugar content 24.16 for delivery day 16 EXECUTION COPY FIRST AMENDMENT TO CREDIT AGREEMENT AND CONSENT THIS FIRST AMENDMENT TO CREDIT AGREEMENT AND CONSENT (this "AMENDMENT"), dated as of August 23, 2002, is entered into by and among THE CHALONE WINE GROUP LTD., a California corporation (the "BORROWER"), the Lenders party to the Credit Agreement referenced below and COOPERATIEVE CENTRALE RAIFFEISEN-BOERENLEEN B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH ("RABOBANK"), as letter of credit issuing bank, as swingline lender and as administrative agent for the Lenders (in such capacity, the "Agent"). RECITALS A. The Borrower, each Lender and the Agent are parties to that certain Credit Agreement dated as of April 19, 2002 (the "CREDIT AGREEMENT") pursuant to which the Lenders have extended certain credit facilities to the Borrower. B. The Borrower has requested that the Majority Lenders (i) agree to certain amendments to the Credit Agreement and (ii) consent to the Winery Acquisition (as defined below). C. The Majority Lenders are willing to amend the Credit Agreement and to consent to the Winery Acquisition, subject to the terms and conditions of this Amendment. NOW, THEREFORE, for valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto hereby agree as FOLLOWS: 1. DEFINED TERMS. Unless otherwise defined herein, capitalized terms used herein (including in the preamble and recitals hereof and in the Consent and Agreement of Guarantors attached hereto) shall have the meanings assigned to them in the Credit Agreement. 2. AMENDMENTS TO CREDIT AGREEMENT. The Credit Agreement shall be amended as FOLLOWS, effective as of the Effective Date: (a) SECTION 1.01 of the Credit Agreement is amended as follows: (i) A new defined term "SHAREHOLDER SUBORDINATED DEBT" is inserted in proper alphabetical order as follows: "SHAREHOLDER SUBORDINATED DEBT" means the Indebtedness of the Borrower evidenced by (i) that certain Convertible Subordinated Promissory Note dated August 27, 2002, made by the Borrower in favor of Les Domaines Baron de Rothschild (Lafite) ("DBR"), in the original principal amount of $8,250,000 and (ii) that certain Convertible Subordinated Promissory Note 1. dated August 27, 2002, made by the Borrower in favor of SFI Intermediate Limited ("SFr'), in the original principal amount of $2,750,000, which convertible subordinated promissory notes were issued by the Borrower pursuant to that certain Convertible Note Purchase Agreement dated as of August 27, 2002, among the Borrower, DBR and SFI, and the proceeds of which shall be used by the Borrower to complete the Winery Acquisition and for capital expenditures permitted under this Agreement." (ii) A new defined term "WINERY ACQUISITION" is inserted in proper alphabetical order as follows: "WINERY ACQUISITION" means the acquisition by the Borrower of all of the capital stock, or all or substantially all of the assets, of Napa Beaucanon Company for a purchase price not to exceed $9,500,000." (b) Section 10.02 of the Credit Agreement is amended by inserting after subsection (e) the following new sentence: "The financial covenants set forth in subsections 10.02(a) (captioned "Leverage Ratio"), 10.02(c) (captioned "Interest Coverage Ratio") and 10.02(d) (captioned "Fixed Charge Ratio") shall be calculated without giving effect to the principal amount of the Shareholder Subordinated Debt or any interest payable thereunder." (c) Section 10.03 of the Credit Agreement is amended by (i) re-designating subsection (m) as subsection "(n)" and (ii) inserting a new subsection (m) as follows: "(m) CONVERSION OF SHAREHOLDER SUBORDINATED DEBT TO EQUITY. Not later than August 27, 2004, the Borrower shall cause the outstanding principal amount of the Shareholder Subordinated Debt and all interest accrued thereon to be converted into common stock of the Borrower pursuant to a non-cash transaction permitted under subsection 10.046)." (d) Subsection 10.04(a)(xi) of the Credit Agreement is amended and restated as follows; "(xi) (A) until August 27, 2004, Indebtedness under the Shareholder Subordinated Debt in an aggregate principal amount not to exceed $11,000,000; and (B) other Indebtedness subordinated to the Obligations on terms satisfactory to the Majority Lenders in an aggregate principal amount not to exceed $2,000,000 at any time outstanding; and" (e) Subsection 11.01 (c) of the Credit Agreement is amended by deleting the text "subsections (a), (c), (e) and 6) of Section 10.03" and substituting therefor the following new text: "subsections (a), (c), (e), 6) and (m) of Section 10.03". 2 (f) Annex I to the Credit Agreement (captioned "Pricing Grid") is amended by inserting after the pricing grid the following new sentence: "For purposes of this pricing grid, the Leverage Ratio shall be calculated without giving effect to the principal amount of the Shareholder Subordinated Debt or any interest payable thereunder." 3. CONSENT TO WINERY ACQUISITION. Pursuant to clause (B) of subsection 10.04(f)(v) of the Credit Agreement, the Majority Lenders hereby consent to the Winery Acquisition (as defined above); PROVIDED that (i) immediately prior to and after giving effect to such acquisition, no Event of Default shall have occurred and be continuing, (ii) after giving effect to such acquisition, the Borrower shall be in full pro forma compliance with each of the financial covenants set forth in subsections 10.02(a) through (e) (as amended by this Amendment), measured as of the last day of the fiscal quarter then most recently ended, and (iii) the prior, effective written consent or approval to such acquisition of the board of directors or equivalent governing body of the acquiree shall have been obtained. 4. REPRESENTATIONS AND WARRANTIES. The Borrower hereby represents and warrants to the Agent and the Lenders as follows: (a) No Default or Event of Default has occurred and is continuing, (b) The execution, delivery and performance by the Borrower of this Amendment have been duly authorized by all necessary corporate and other action and do not and will not require any registration with, consent or approval of, notice to or action by, any Person (including any Governmental Authority) in order to be effective and enforceable, other than the consent of the Senior Noteholders which consent will be obtained on or prior to the Effective Date. The Credit Agreement as amended by this Amendment constitutes the legal, valid and binding obligation of the Borrower, enforceable against it in accordance with its respective terms, without defense, counterclaim or offset. (c) All representations and warranties of the Borrower contained in ARTICLE IX of the Credit Agreement are true and correct as of the Effective Date, except to the extent such representations and warranties specifically refer to an earlier date, in which case they shall be true and correct as of such earlier date. (d) The Borrower is entering into this Amendment on the basis of its own investigation and for its own reasons, without reliance upon the Agent and the Lenders or any other Person. 5. EFFECTIVE DATE. This Amendment will become effective on the date when each of the conditions precedent set forth in this SECTION 5 has been satisfied (the "EFFECTIVE DATE"): (a) The Agent shall have received (i) from each of the Borrower and the Majority Lenders a duly executed original (or, if elected by the Agent, an executed facsimile copy) counterpart to this Amendment and (ii) from each Guarantor a duly executed original (or, if 3. elected by the Agent, an executed facsimile copy) of the Consent and Agreement of Guarantors attached hereto. (b) The Agent shall have received from the Borrower a certificate executed by the secretary or assistant secretary of the Borrower providing satisfactory evidence of the authorization of the execution, delivery and performance by the Borrower of this Amendment. (c) The Agent shall have received from the Borrower a certificate executed by a Responsible Officer of the Borrower dated as of the Effective Date and stating that all representations and warranties contained in this Amendment are true and correct on and as of the Effective Date as though made on and as of such date. . (d) The Borrower shall have paid all attorney costs of the Agent to the extent invoiced prior to the Effective Date (including any previously invoiced and outstanding attorney costs that relate to services previously provided), plus such additional amounts of attorney costs as shall constitute the Agent's reasonable estimate of attorney costs incurred or to be incurred by it through the closing proceedings related to this Amendment (PROVIDEd that such estimate shall not thereafter preclude a final settling of accounts between the Borrower and the Agent). (e) The Agent shall have received from each of Les Domaines Baron de Rothschild (Lafite) and SFI Intermediate Limited a duly executed original (or, if elected by the Agent, an executed facsimile copy) of a Subordination Agreement in substantially the form of EXHIBIT A attached hereto. (f) The Agent shall have received an amendment to the Senior Secured Note Documents in form and substance satisfactory to the Agent and the Majority Lenders, and all conditions precedent to the effectiveness of such amendment shall have been satisfied on or prior to the Effective Date. (g) The Agent shall have received, in form and substance satisfactory to it, such additional approvals, consents, opinions, documents and other information as the Agent may request. 6. RESERVATION OF RIGHTS. The Borrower acknowledges and agrees that the execution and delivery by the Agent and the Majority Lenders of this Amendment shall not (a) be deemed to create a course of dealing or otherwise obligate the Agent or the Lenders to execute similar amendments under the same or similar circumstances in the future or (b) be deemed to create any implied waiver of any right or remedy of the Agent or any Lender with respect to any term or provision of any Loan Document. 7. MISCELLANEOUS. (a) Except as herein expressly amended, all terms, covenants and provisions of the Credit Agreement and the other Loan Documents are and shall remain in full force and effect and all references therein to the Credit Agreement shall henceforth refer to the Credit Agreement as amended by this Amendment. This Amendment shall be deemed incorporated into, and a part of, the Credit Agreement. 4. (b) This Amendment shall be binding upon and inure to the benefit of the parties to the Credit Agreement and their respective successors and assigns. No third party beneficiaries are intended in connection with this Amendment. (c) THIS AMENDMENT IS SUBJECT TO THE PROVISIONS OF SECTIONS 13.10 AND 13.12 OF THE CREDIT AGREEMENT RELATING TO GOVERNING LAW AND WAIVER OF RIGHT TO TRIAL BY JURY, THE PROVISIONS OF WHICH ARE BY THIS REFERENCE HEREBY INCORPORATED HEREIN IN FULL. (d) This Amendment may be executed in any number of counterparts, each of which shall be deemed an original, but all such counterparts together shall constitute but one and the same instrument. Each of the parties hereto understands and agrees that this document (and any other document required herein) may be delivered by any party thereto either in the form of an executed original or an executed original sent by facsimile transmission to be followed promptly by mailing of a hard copy original, and that receipt by the Agent of a facsimile transmitted document purportedly bearing the signature of a Lender or the Borrower shall bind such Lender or the Borrower, respectively, with the same force and effect as the delivery of a hard copy original. Any failure by the Agent to receive the hard copy executed original of such document shall not diminish the binding effect of receipt of the facsimile transmitted executed original of such document of the party whose hard copy page was not received by the Agent. (e) This Amendment, together with the Credit Agreement, contains the entire and exclusive agreement of the parties hereto with reference to the matters discussed herein and therein. This Amendment supersedes all prior drafts and communications with respect thereto. This Amendment may not be amended except in accordance with the provisions of SECTION 13.01 of the Credit Agreement. (f) If any term or provision of this Amendment shall be deemed prohibited by or invalid under any applicable law, such provision shall be invalidated without affecting the remaining provisions of this Amendment or the Credit Agreement, respectively. (g) The Borrower covenants to pay to or reimburse the Agent, upon demand, for all out-of-pocket costs and expenses incurred in connection with the development, preparation, negotiation, execution and delivery of this Amendment. (h) This Amendment shall constitute a "Loan Document" under and as defined in the Credit Agreement. [SIGNATURES FOLLOW.] 5. IN WITNESS WHEREOF, the parties hereto have executed and delivered this Amendment as of the date first above written. THE CHALONE WINE GROUP, LTD. By: /s/THOMAS B. SELFRIDGE ____________________________________ Name: Thomas Selfridge __________________________________ Title: President/CEO _________________________________ (SIGNATURE PAGE TO FIRST AMENDMENT AND CONSENT) S-1 COOPERATIVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, as Agent, Issuing Lender Swingline Lender and as a Lender By: /s/SUZANNE L. BAIRD ____________________________________ Name: Suzanne L. Baird __________________________________ Title: Vice President __________________________________ By: /s/W. PLETER C. KODDE ____________________________________ Name: W. Pleter C. Kodde ___________________________________ Title: Managing Director _________________________________ (SIGNATURE PAGE TO FIRST AMENDMENT AND CONSENT) S-2 FARM CREDIT WEST FLCA, as a Lender By: /s/MARK LITTLEFIELD ____________________________________ Name: Mark Littlefield __________________________________ Title: Sr. Vice President _________________________________ (SIGNATURE PAGE TO FIRST AMENDMENT AND CONSENT) S-3 U.S. BANK NATIONAL ASSOCIATION, as a Lender By: /s/SANDRA A. SAWER ____________________________________ Name: Sandra A. Sawer __________________________________ Title: Vice President _________________________________ (SIGNATURE PAGE TO FIRST AMENDMENT AND CONSENT) S-4 COMERICA BANK - CALIFORNIA, as a Lender By: /s/MISAKO NODA ____________________________________ Name: Misako Noda __________________________________ Title: Vice President _________________________________ (SIGNATURE PAGE TO FIRST AMENDMENT AND CONSENT) S-5 CONSENT AND AGREEMENT OF GUARANTORS Each of the undersigned, in its capacity as a guarantor, acknowledges that its consent to the foregoing First Amendment to Credit Agreement and Consent (the "AMENDMENT") is not required, but each of the undersigned nevertheless does hereby consent to the foregoing Amendment. Nothing herein shall in any way limit any of the terms or provisions of the Guaranty of the undersigned executed by the undersigned in favor of the Agent and the Lenders, or any other Loan Document executed by the undersigned (as the same may be amended from time to time), all of which are hereby rated and affirmed in all respects. GUARANTORS: EDNA VALLEY VINEYARD, STATON HILLS WINERY COMPANY LIMITED, as a guarantor as a guarantor By: The Chalone Wine Group, Ltd., Managing Joint Venturer By: /s/THOMAS SELFRIDGE By: /s/THOMAS SELFRIDGE ______________________________ _________________________________ Name: Thomas Selfridge Name: Thomas Selfridge Title: President/CEO Title: President/CEO CANOE RIDGE VINEYARD L.L.C., as a guarantor By: /s/THOMAS SELFRIDGE ______________________________ Name: Thomas Selfridge Title: President/CEO CANOE RIDGE WINERY, INC. as a guarantor By: /s/THOMAS SELFRIDGE ______________________________ Name: Thomas Selfridge Title: President/CEO SHW EQUITY CO., as a guarantor By: /s/THOMAS SELFRIDGE ______________________________ Name: Thomas Selfridge Title: President/CEO (SIGNATURE PAGE TO FIRST AMENDMENT AND CONSENT) S-6 EXHIBIT A TO FIRST AMENDMENT TO CREDIT AGREEMENT AND CONSENT FORM OF SUBORDINATION AGREEMENT [PLEASE SEE ATTACHED.] 6. FORM OF SUBORDINATION AGREEMENT THIS SUBORDINATION AGREEMENT (this "Agreement"), dated as of August__ , 2002, is made by____________________________ (the "Creditor") in favor of each of the "Senior Lenders" listed on Schedule 1 hereto (each a "Senior Lender" and, collectively, the "Senior Lenders"). The Chalone Wine Group, Ltd., a California corporation (the "Borrower"), certain Senior Lenders and Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch ("Rabobank"), as issuer of letters credit, as swingline lender and as administrative agent, are parties to a Credit Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Credit Agreement") pursuant to which the Senior Lenders party thereto have made available to the Borrower a revolving credit facility and term loan facility, as provided therein. The Borrower and certain other Senior Lenders are parties to an Amended and Restated Note Purchase Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Amended and Restated Note Purchase Agreement") relating to the Borrower's $5,000,000 Adjustable Rate Senior Secured Notes, Series A, Due September 15, 2010, the Borrower's $10,000,000 Adjustable Rate Senior Secured Notes, Series B, Due September 15, 2010, and the Borrower's $15,000,000 Adjustable Rate Senior Secured Notes, Series C, Due September 15, 2010. Rabobank, as collateral agent (in such capacity, the "Collateral Agent"), and the other Senior Lenders are also parties to an Amended and Restated Intercreditor and Collateral Agency Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time .to time, the "Intercreditor Agreement") pursuant to which, among other things, the Senior Lenders have agreed to the allocation of certain payments made in respect of the Senior Debt (as defined below). Additionally, the Borrower is or will be indebted to the Creditor in the principal amount of $8,250,000, pursuant to a Convertible Note Purchase Agreement, dated as of August 23, 2002 (as amended, modified, renewed, extended or replaced from time to time, the "Note Purchase Agreement") and the Convertible Subordinated Promissory Note dated August 23, 2002 (the "Subordinated Note") outstanding thereunder. It is a condition precedent to the continued borrowings under the Credit Agreement and the issuance of letters of credit thereunder and the continuance of the loans under the Amended and Restated Note Purchase Agreement that the Creditor deliver this Agreement to the Senior Lenders to provide for the subordination of the Borrower's indebtedness to the Creditor to the Senior Debt. The Creditor has agreed to the subordination of such indebtedness to it, upon the terms and subject to the conditions set forth in this Agreement. Accordingly, the parties hereto agree as follows SECTION 1 DEFINITIONS; INTERPRETATION. 1. (a) TERMS DEFINED IN CREDIT AGREEMENT. All capitalized terms used in this Agreement and not otherwise defined herein shall have the meanings assigned to them in the Credit Agreement. (b) CERTAIN DEFINED TERMS. As used in this Agreement, the following terms shall have the following meanings: "COMMITMENTS" means, in respect of each Senior Lender, the commitment of such Senior Lender to grant credit, make loans or otherwise extend financing to the Borrower under the Senior Debt. "INSOLVENCY EVENT" has the meaning set forth in Section 3 "REQUIRED SECURED PARTIES" shall have the meaning given to such term in the Intercreditor Agreement. "SENIOR DEBT" means (i) the indebtedness, liabilities and other obligations of the Borrower to the Senior Lenders under or in connection with the Credit Agreement and the other Loan Documents, including all unpaid principal of the Loans, all unpaid drawings under the Letters of Credit, all interest accrued thereon, all fees due thereunder AND ALL OTHER AMOUNTS payable by the Borrower to the Senior Lenders thereunder or in connection therewith, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined; and (ii) the indebtedness, liabilities and other obligations of the Borrower to the Senior Lenders under or in connection with the Amended and Restated Note Purchase Agreement and the other Senior Secured Note Documents, including all unpaid principal of the Senior Secured Notes, all interest accrued thereon, all premiums and Make-Whole Amounts (as defined in the Amended and Restated Note Purchase Agreement) due thereunder, all fees due thereunder and all other amounts payable by the Borrower to the Senior Lenders thereunder or in connection therewith, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "SUBORDINATED DEBT" means all indebtedness, liabilities and other obligations of the Borrower to the Creditor under or in connection with the Note Purchase Agreement and the Subordinated Note, including all principal on the Subordinated Note, all premium and interest accrued thereon, all fees and all other amounts payable by the Borrower to the Creditor under or in connection with the Note Purchase Agreement, the Subordinated Note and any other documents or instruments related thereto, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "SUBORDINATED DEBT PAYMENT" means any payment or distribution by or on behalf of the Borrower, directly or indirectly, of assets of the Borrower of any kind or character, whether in cash, property or securities, including on account of the purchase, redemption or other acquisition of Subordinated Debt, as a result of any collection, sale or other disposition of collateral, or by setoff, exchange or in any other manner, for or on account of the Subordinated Debt. 2. (c) INTERPRETATION. In this Agreement, except to the extent the context otherwise requires: (i) Any reference in this Agreement to an Article, a Section, a Schedule or an Exhibit is a reference to an article hereof, a section hereof, a schedule hereto or an exhibit hereto, respectively, and to a subsection hereof or a clause hereof is, unless otherwise stated, a reference to a subsection or a clause of the Section or subsection in which the reference appears. (ii) The words "hereof," "herein," "hereto," "hereunder" and the like mean and refer to this Agreement as a whole and not merely to the specific Article, Section, subsection, paragraph or clause in which the respective word appear (iii) The meaning of defined terms shall be equally applicable to both the singular and plural forms of the terms defined. (iv) The words "including," "includes" and "include" shall be deemed to be followed by the words "without limitation". (v) References to agreements and other contractual instruments shall be deemed to include all subsequent amendments and other modifications thereto. (vi) References to statutes or regulations are to be construed as including all statutory and regulatory provisions consolidating, amending or replacing the statute or regulation referred to. (vii) The captions and headings are for convenience of reference only and shall not affect the construction of this Agreement. SECTION 2 AGREEMENT OF SUBORDINATION. Until such time as this Agreement is terminated in accordance with Section 30 below, the Subordinated Debt (including all Subordinated Debt Payments) shall be subject, subordinate and junior, in right of payment and exercise of remedies, to the extent and in the manner set forth herein, to the prior payment in FULL in cash of the Senior Debt. SECTION 3 SUBORDINATION UPON ANY DISTRIBUTION OF ASSETS OF THE BORROWER. In the event of any payment or distribution of assets of the Borrower of any kind or character, whether in cash, property or securities, upon the dissolution, winding up or total or partial liquidation or reorganization, readjustment, arrangement or similar proceeding relating to the Borrower or its property, whether voluntary or involuntary or in bankruptcy, insolvency, receivership, arrangement or similar proceedings or upon an assignment for the benefit of creditors, or upon any other marshalling or composition of the assets and liabilities of the Borrower, or otherwise (such events, collectively, the "Insolvency Events"): (i) all amounts owing on account of the Senior Debt shall first be paid in FULL in cash, or payment provided for in cash or in cash equivalents, for application in accordance with the Intercreditor Agreement, before any Subordinated Debt Payment is made; and (ii) to the extent permitted by applicable law, any Subordinated Debt Payment to which the Creditor would be entitled except for the provisions hereof shall be paid or delivered by the trustee in bankruptcy, receiver, assignee for the benefit of creditors or other liquidating agent making such payment or distribution, as 3. applicable, directly to the Collateral Agent (on behalf of the Senior Lenders) for application to the payment of the Senior Debt in accordance with clause (i), after giving effect to any concurrent payment or distribution or provision therefor to the Collateral Agent or the Senior Lenders in respect of such Senior Debt. SECTION 4 PAYMENTS ON SUBORDINATED DEBT. As long as any Senior Debt shall remain outstanding and unpaid, the Borrower shall not make, directly or indirectly, and the Creditor shall not accept or receive, any Subordinated Debt Payment; PROVIDE , HOWEVER, that the Borrower and the Creditor may at any time convert the Subordinated Debt, in whole or in part, into common stock of the Borrower. SECTION 5 SUBORDINATION OF REMEDIES. As long as any Senior Debt shall remain outstanding and unpaid, the Creditor shall not, without the prior written consent of the Collateral Agent (acting on instructions from the Required Secured Parties): (i) accelerate, make demand, declare a default or otherwise make due and payable prior to the original stated maturity thereof any Subordinated Debt or bring suit or institute any other actions or proceedings to enforce its rights or interests under or in respect of the Note Purchase Agreement and the Subordinated Note; (ii) exercise any rights under or with respect to (A) any guaranties of the Subordinated Debt, or (B) any collateral securing the Subordinated Debt, including causing or compelling the pledge or delivery of any such collateral, any attachment of, levy upon, execution against, foreclosure upon or the taking of other action against or institution of other proceedings with respect to any such collateral, notifying any account debtors of the Borrower or asserting any claim or interest in any insurance with respect to collateral, or attempt to do any of the foregoing; (iii) exercise any rights to set-offs and counterclaims in respect of any indebtedness, liabilities or obligations of the Creditor to the Borrower against any of the Subordinated Debt; or (iv) commence, or cause to be commenced, or join with any creditor other than the Senior Lenders in commencing, any bankruptcy, insolvency or receivership proceeding against the Borrower. SECTION 6 PAYMENT OVER TO COLLATERAL AGENT. In the event that, notwithstanding the provisions of Sections 3, 4 and 5, any Subordinated Debt Payments shall be received in contravention of such Sections 3, 4 and 5 by the Creditor before all Senior Debt is paid in full in cash or cash equivalents, such Subordinated Debt Payments shall be held in trust for the benefit of the Senior Lenders and shall be paid over or delivered to the Collateral Agent for application to the payment in full in cash or cash equivalents of all Senior Debt remaining unpaid to the extent necessary to give effect to such Sections 3, 4 and 5, after giving effect to any concurrent payments or distributions to the Collateral Agent and the Senior Lenders in respect of the Senior Debt. SECTION 7 AUTHORIZATION TO COLLATERAL AGENT. If, while any Subordinated Debt is outstanding, any Insolvency Event shall occur relating to the Borrower or its property: (i) the 4. Collateral Agent, when so instructed by the Required Secured Parties, is hereby irrevocably authorized and empowered (in the name of the Senior Lenders or in the name of the Creditor or otherwise), but shall have no obligation, to demand, sue for, collect and receive every payment or distribution in respect of the Subordinated Debt and give acquittance therefor and to file claims and proofs of claim and take such other action (including voting the Subordinated Debt) as it may deem necessary or advisable for the exercise or enforcement of any of the rights or interests of the Collateral Agent and the Senior Lenders; and (ii) the Creditor shall promptly take such action as the Collateral Agent (on instruction from the Required Secured Parties) may reasonably request (A) to collect the Subordinated Debt for the account of the Senior Lenders and to file appropriate claims or proofs of claim in respect of a Subordinated Debt, (B) to execute and deliver to the Collateral Agent such powers of attorney, assignments and other instruments as it may request to enable it to enforce any and all claims with respect to the Subordinated Debt, and (C) to collect and receive any and all Subordinated Debt Payments. SECTION 8 REPRESENTATIONS AND WARRANTIES. The Creditor represents and warrants to each Senior Lender that: (a) ORGANIZATION AND POWERS. The Creditor is a corporation duly organized, validly existing and in good standing under the law of the jurisdiction of its incorporation and has all requisite power and authority to own its assets and carry on its business and to execute, deliver and perform its obligations under this Agreement. (b) AUTHORIZATION: NO CONFLICT. The execution, delivery and performance by the Creditor of this Agreement have been duly authorized by all necessary corporate action of the Creditor, and do not and will not: (i) contravene the terms of the certificate or articles, as the case may be, of incorporation and the bylaws of the Creditor, (ii) result in a breach of or constitute a default under any indenture or loan or credit agreement or any other agreement, lease or instrument to which the Creditor is a party or by which it or its properties may be bound or affected; or (iii) violate any provision of any law, rule, regulation, order, writ, judgment, injunction, decree or the like binding on or affecting the Creditor. (c) BINDING OBLIGATION. This Agreement constitutes the legal, valid and binding obligation of the Creditor, enforceable against the Creditor in accordance with its terms. (d) CONSENTS. No authorization, consent, approval, license, exemption of, or filing or registration with, any Governmental Authority, or approval or consent of any other Person, is required for the due execution, delivery or performance by the Creditor of this Agreement. (e) NO PRIOR ASSIGNMENT. The Creditor has not previously assigned any interest in the Subordinated Debt, no Person other than the Creditor owns an interest in the Subordinated Debt (whether as joint holders of the Subordinated Debt, participants or otherwise), and the entire Subordinated Debt is owing only to the Creditor. (f) INDEPENDENT INVESTIGATION. The Creditor hereby acknowledges that it has undertaken its own independent investigation of the financial condition of the Borrower and all other matters pertaining to this Agreement and further acknowledges that it is not relying in any 5 manner upon any representation or statement of the Collateral Agent or the Senior Lenders with respect thereto. The Creditor represents and warrants that it is aware of the terms of the Loan Documents and the Senior Secured Note Documents and that it is in a position to obtain, and it hereby assumes full responsibility for obtaining, any additional information concerning the financial condition of the Borrower and any other matters pertinent hereto that the Creditor may desire. The Creditor is not relying upon or expecting the Collateral Agent or the Senior Lenders to furnish to the Creditor any information now or hereafter in the Collateral Agent or the Senior Lenders' possession concerning the financial condition of the Borrower or any other matter. SECTION 9 CERTAIN AGREEMENTS OF THE CREDITOR. (a) NO BENEFITS: The Creditor understands that there may be various agreements among the Collateral Agent, the Senior Lenders and the Borrower evidencing and governing the Senior Debt, and the Creditor acknowledges and agrees that such agreements are not intended to confer any benefits on the Creditor and that the Collateral Agent and the Senior Lenders shall have no obligation to the Creditor or any other Person to exercise any rights, enforce any remedies, or take any actions which may be available to it under such agreements. (b) NO INTERFERENCE. The Creditor acknowledges that the Borrower has granted the Collateral Agent and the Senior Lenders a security interest in certain of the Borrower's assets and agrees not to interfere with or in any manner oppose a disposition of any collateral by the Collateral Agent or the Senior Lenders in accordance with applicable law. (c) RELIANCE BY COLLATERAL AGENT AND SENIOR LENDERS. The Creditor acknowledges and agrees that the Collateral Agent and the Senior Lenders will have relied upon and will continue to rely upon the subordination provisions provided for herein and the other provisions hereof in maintaining the loans and other extensions of credit under the Loan Documents and the Senior Secured Note Documents. (d) WAIVERS. The Creditor waives any and all notice of the incurrence of the Senior Debt or any part thereof and any right to require marshalling of assets. (e) OBLIGATIONS OF CREDITOR NOT AFFECTED. The Creditor agrees that at any time and from time to time, without notice to or the consent of the Creditor, without incurring responsibility to the Creditor, and without impairing or releasing the subordination provided for herein or otherwise impairing the rights of the Collateral Agent and the Senior Lenders hereunder: (i) the time for the Borrower's performance of or compliance with any of its agreements contained in the Loan Documents or the Senior Secured Note Documents may be extended or such performance or compliance may be waived by the applicable Senior Lenders; (ii) the agreements of the Borrower with respect to the Loan Documents and the Senior Secured Note Documents may from time to time be modified by the Borrower and the applicable Senior Lenders for the purpose of adding any requirements thereto or changing in any manner the rights and obligations of the Borrower or the Senior Lenders thereunder; 6. (iii) the manner, place or terms for payment of Senior Debt or any portion thereof may be altered or the terms for payment extended, or the Senior Debt may be renewed in whole or in part, or the principal amount of the Senior Debt may from time to time be increased or decreased; (iv) the maturity of the Senior Debt may be accelerated in accordance with the terms of any present or future agreement by the Borrower and the applicable Senior Lenders; (v) any collateral securing Senior Debt may be sold, exchanged, released or substituted and any Lien in favor of the Collateral Agent or the Senior Lenders may be terminated, subordinated or fail to be perfected or become unperfected; (vi) any Person liable in any manner for Senior Debt may be discharged, released or substituted; and (vii) all other rights against the Borrower, any other Person or with respect to any collateral may be exercised (or the Collateral Agent and the Senior Lenders may waive or refrain from exercising such rights). (f) RIGHTS OF COLLATERAL AGENT AND SENIOR LENDERS NOT TO BE IMPAIRED. No right of the Collateral Agent or the Senior Lenders to enforce the subordination provided for herein or to exercise their other rights hereunder shall at any time in any way be prejudiced or impaired by any act or failure to act by the Borrower, the Collateral Agent or the Senior Lenders hereunder or under or in connection with the Loan Documents or the Senior Secured Note Documents or by any noncompliance by the Borrower with the terms and provisions and covenants herein or in any other Loan Document or Senior Secured Note Document, regardless of any knowledge thereof the Collateral Agent or the Senior Lenders may have or otherwise be charged with. (g) FINANCIAL CONDITION OF BORROWER. The Creditor shall not have any right to require the Collateral Agent or the Senior Lenders to obtain or disclose any information with respect to: (i) the financial condition or character of the Borrower or the ability of the Borrower to pay and perform Senior Debt; (ii) the Senior Debt; (iii) any collateral for any or all of the Senior Debt; (iv) the existence or nonexistence of any guarantees of, or any other subordination agreements with respect to, all or any part of the Senior Debt; (v) any action or inaction on the part of the Collateral Agent, the Senior Lenders or any other Person; or (vi) any other matter, fact or occurrence whatsoever. (h) ACQUISITION OF LIENS OR GUARANTIES. The Creditor shall not, without the prior written consent of the Collateral Agent and the Required Secured Parties, acquire any right or interest in or to any collateral to secure the Subordinated Debt or accept any guaranties for the Subordinated Debt. The Borrower shall not, without the prior written consent of the Collateral Agent and the Required Secured Parties, grant, or suffer or permit its Subsidiaries to grant, to the Creditor any right or interest in or to any collateral to secure the Subordinated Debt or suffer or permit any of its Subsidiaries to provide any guaranties for the Subordinated Debt. SECTION 10 SUBROGATION. 7. (a) SUBROGATION. Until the payment in cash and performance in FULL of all Senior Debt, the Creditor shall not have, and shall not directly or indirectly exercise, any rights that it may acquire by way of subrogation under this Agreement, by any payment or distribution to the Collateral Agent or the Senior Lenders hereunder or otherwise. Upon the payment in cash and performance in FULL of all Senior Debt, the Creditor shall be subrogated to the rights of the Collateral Agent and the Senior Lenders to receive payments or distributions applicable to the Senior Debt until the Subordinated Debt shall be paid in FULL. For the purposes of the foregoing subrogation, no payments or distributions to the Collateral Agent or the Senior Lenders of any cash, property or securities to which the Creditor would be entitled except for the provisions of Section 3, 4 or 5 shall, as among the Borrower, its creditors (other than the Senior Lenders and the Collateral Agent) and the Creditor, be deemed to be a payment by the Borrower to or on account of the Senior Debt. (b) PAYMENTS OVER TO CREDITOR. If any payment or distribution to which the Creditor would otherwise have been entitled but for the provisions of Section 3, 4 or 5 shall have been applied pursuant to the provisions of Section 3, 4 or 5 to the payment of all amounts payable under the Senior Debt, the Creditor shall be entitled to receive from the Collateral Agent and the Senior Lenders any payments or distributions received by the Collateral Agent and the Senior Lenders in excess of the amount sufficient to pay in FULL all amounts payable under or in respect of the Senior Debt. If any such excess payment is made to the COLLATERAL AGENT and the Senior Lenders, the Collateral Agent and the Senior Lenders shall promptly remit such excess to the Creditor and until so remitted shall hold such excess payment for the benefit of the Creditor. SECTION 11 CONTINUING AGREEMENT; REINSTATEMENT. (a) CONTINUING AGREEMENT. This Agreement is a continuing agreement of subordination and shall continue in effect and be binding upon the Creditor until the FULL, final and indefeasible payment in cash, and the full and final performance, of the Senior Debt and the termination of the Commitments. The subordinations, agreements, and priorities set forth herein shall remain in FULL force and effect regardless of whether any party hereto in the future seeks to rescind, amend, terminate or reform, by litigation or otherwise, its respective agreements with the Borrower. (b) REINSTATEMENT. This Agreement shall continue to be effective or shall be reinstated, as the case may be, if, for any reason, any payment of the Senior Debt by or on behalf of the Borrower shall be rescinded or must otherwise be restored by the Collateral Agent or any Lender, whether as a result of an Insolvency Event or otherwise. SECTION 12 PAYMENTS. The Creditor shall make each payment hereunder unconditionally in full without set-off, counterclaim or other defense, on the day when due to the Collateral Agent in Dollars and in same day or immediately available funds, to the account from time to time specified by the Collateral Agent. SECTION 13 TRANSFER OF SUBORDINATED DEBT. The Creditor may not assign or transfer its rights and obligations under the Note Purchase Agreement or the Subordinated Note or any interest in the Subordinated Debt or any collateral therefor without the prior written consent of the Required Secured Parties, and any such transferee or assignee, as a condition to 8. acquiring the Subordinated Note or interest in the Subordinated Debt or collateral shall agree to be bound hereby, in form satisfactory to the Collateral Agent and the Required Secured Parties. Any prohibited assignment shall be absolutely void. The Senior Lenders (and each of them) may from time to time assign or grant participations in all or part of their rights and obligations under the Senior Debt, subject to the terms and provisions of the Senior Debt held by such Senior Lender, and each such assignee of, or participant in, the Senior Debt shall be entitled to all of the rights and benefits afforded to the Senior Lenders under this Agreement. SECTION 14 AMENDMENTS OF SUBORDINATED DEBT. Each of the Borrower and the Creditor shall not, without the prior written consent of the Required Secured Parties, agree to or permit any amendment, modification or waiver of any material portions of the Note Purchase Agreement, the Subordinated Note or any other agreement relating to any Subordinated Debt (including any amendment, modification or waiver pursuant to an exchange of other securities or instruments for outstanding Subordinated Debt) if the effect of such amendment, modification or waiver is to: (i) increase the interest rate on the Subordinated Debt or change (to earlier dates) the dates upon which principal and interest are due thereon; (ii) alter the redemption, prepayment or subordination provisions thereof; (iii) alter the covenants and events of default in a manner which would make such provisions more onerous or restrictive to the Borrower or any Subsidiary; or (iv) otherwise increase the obligations of the Borrower in respect of the Subordinated Debt or confer additional rights upon the Creditor which individually or in the aggregate would be adverse to the Borrower, its Subsidiaries or the Senior Lenders. SECTION 15 OBLIGATIONS OF BORROWER NOT AFFECTED. The provisions of this Agreement are intended solely for the purpose of defining the relative rights against the Borrower of the Creditor, on the one hand, and the Collateral Agent and the Senior Lenders, on the other hand. Nothing contained in this Agreement shall (i) impair, as between the Borrower and the Creditor, the obligation of the Borrower to pay the principal of or interest on the Subordinated Note and its other obligations with respect to the Subordinated Debt as and when the same shall become due and payable in accordance with the terms thereof, or (ii) otherwise affect the relative rights against the Borrower of the Creditor, on the one hand, and the creditors of the Borrower (other than the Senior Lenders and the Collateral Agent), on the other hand. SECTION 16 ENDORSEMENT OF SUBORDINATED NOTES: FURTHER ASSURANCES AND ADDITIONAL ACTS. (a) ENDORSEMENT OF SUBORDINATED NOTE. At the request of the Collateral Agent, the Subordinated Note and all other documents and instruments evidencing any of the Subordinated Debt shall be endorsed with a legend noting that the Subordinated Note and such other documents and instruments are subject to this Agreement, and the Creditor shall promptly deliver to the Collateral Agent evidence of the same. (b) FURTHER ASSURANCES AND ADDITIONAL ACTS. Each of the Creditor and the Borrower shall execute, acknowledge, deliver, file, notarize and register at its own expense all such further agreements, instruments, certificates, financing statements, documents and assurances, and perform such acts as the Collateral Agent or the Required Secured Parties shall deem necessary or appropriate to effectuate the purposes of this Agreement, and promptly 9. provide the Collateral Agent with evidence of the foregoing satisfactory in form and substance to THE COLLATERAL Agent and the Required Secured Parties. SECTION 17 NOTICES. All notices and other communications provided for hereunder shall, unless otherwise stated herein, be in writing (including by facsimile transmission) and shall be mailed, sent or delivered at or to the address or facsimile number of the respective party or parties set forth in the Credit Agreement or the Amended and Restated Note Purchase Agreement, as the case may be, or, in the case of the Creditor, at or to its address or facsimile number set forth on the signature pages hereof, or at or to such other address or facsimile number as such party or parties shall have designated i a written notice to the other party or parties. All such notices and communications shall be effective (i) if delivered by hand, when delivered; (ii) if sent by mail, upon the earlier of the date of receipt or five Business Days after deposit in the mail, first class (or air mail, with respect to communications to be sent to or from the United States), postage prepaid; and (iii) if sent by facsimile transmission, when sent. SECTION 18 NO WAIVER; CUMULATIVE REMEDIES. No failure on the part of the Collateral Agent or any Senior Lender to exercise, and no delay in exercising, any right, remedy, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, remedy, power or privilege preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. The rights and remedies under this Agreement are cumulative and not exclusive of any rights, remedies, powers and privileges that may otherwise be available to the Collateral Agent or any Senior Lender. SECTION 19 COSTS AND EXPENSES. (a) PAYMENTS BY BORROWER. The Borrower agrees to pay to the Collateral Agent and the Senior Lenders on demand the reasonable out-of-pocket costs and expenses of the Collateral Agent and the Senior Lenders, and the reasonable fees and disbursements of counsel to the Collateral Agent and the Senior Lenders (including allocated costs of internal counsel), in connection with the negotiation, preparation, execution, delivery and administration of this Agreement, and any amendments, modifications or waivers of the terms thereof. (b) PAYMENTS BY BORROWER AND CREDITOR. Each of the Borrower and the Creditor jointly and severally agrees to pay to the Collateral Agent on demand all costs and expenses of the Collateral Agent and the Senior Lenders, and the fees and disbursements of counsel (including allocated costs of internal counsel), in connection with the enforcement or attempted enforcement of, and preservation of rights or interests under, this Agreement, including any losses, costs and expenses sustained by the Collateral Agent and any Senior Lender as a result of any failure by the Creditor to perform or observe its obligations contained in this Agreement. SECTION 20 SURVIVAL. All covenants, agreements, representations and warranties made in this Agreement shall, except to the extent otherwise provided herein, survive the execution and delivery of this Agreement, and shall continue in full force and effect so long as any Senior Debt remains unpaid or the Senior Lenders have any Commitments. Without limiting the generality of the foregoing, the obligations of the Borrower and the Creditor under 10. Section 19 shall survive the satisfaction of the Senior Debt and the termination of the Commitments. SECTION 21 BENEFITS OF AGREEMENT. This Agreement is entered into for the sole protection and benefit of the parties hereto and their successors and assigns, and no other Person (other than any Person that becomes a Senior Lender after the date hereof) shall be a direct or indirect beneficiary of, or shall have any direct or indirect cause of action or claim in connection with, this Agreement. SECTION 22 BINDING EFFECT. This Agreement shall be binding upon, inure to the benefit of and be enforceable by the Borrower, the Creditor, &. Collateral Agent and each Senior Lender and their respective successors and assigns. SECTION 23 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK. SECTION 24 SUBMISSION TO JURISDICTION. (a) SUBMISSION TO JURISDICTION. The Creditor hereby (i) submits to the nonexclusive jurisdiction of the courts of the State of New York and the Federal courts of the United States sitting in the State of New York for the purpose of any action or proceeding arising out of or relating to this Agreement, (ii) agrees that all claims in respect of any such action or proceeding may be heard and determined in such courts, (iii) irrevocably waives (to the extent permitted by applicable law) any objection which it now or hereafter may have to the laying of venue of any such action or proceeding brought in any of the foregoing courts, and any objection on the ground that any such action or proceeding in any such court has been brought in an inconvenient forum and (iv) agrees that a final judgment in any such action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner permitted by law. (b) APPOINTMENT OF PROCESS COLLATERAL AGENT. The Creditor hereby irrevocably appoints the Borrower (the "Process Collateral Agent"), as its authorized agent with all powers necessary to receive on its behalf service of copies of the summons and complaint and any other process which may be served in any action or proceeding arising out of or relating to this Agreement in any of the courts in and of the State of New York. Such service may be made by mailing or delivering a copy of such process to the Creditor in care of the Process Collateral Agent at the Process Collateral Agent's address, and the Creditor hereby irrevocably authorizes and directs the Process Collateral Agent to accept such service on its behalf and agrees that the failure of the Process Collateral Agent to give any notice of any such service to the Creditor shall not impair or affect the validity of such service or of any judgment rendered in any action or proceeding based thereon. As an alternative method of service, the Creditor also irrevocably consents to the service of any and all process in any such action or proceeding by the mailing of copies of such process to the Creditor at its address specified in Section 17. If for any reason the Borrower shall cease to act as Process Collateral Agent, the Creditor shall appoint forthwith, in the manner provided for herein, a successor Process Collateral Agent qualified to act as an 11 Collateral Agent for service of process with respect to all courts in and of the State of New York and acceptable to the Collateral Agent. (c) NO LIMITATION. Nothing in this Section 24 shall affect the right of the Collateral Agent or the Senior Lenders to serve legal process in any other MANNER PERMITTED BY law or limit the right of the Collateral Agent or the Senior Lenders to bring any action or proceeding against the Creditor or its property in the courts of other jurisdictions. SECTION 25 ENTIRE AGREEMENT; AMENDMENTS AND WAIVERS, (a) ENTIRE AGREEMENT. This Agreement constitutes the entire agreement of the Borrower, the Senior Lenders, the Collateral Agent and the Creditor with respect to the matters set forth herein and supersedes any prior agreements, commitments, drafts, communications, discussions and understandings, oral or written, with respect thereto. There are no conditions to the full effectiveness of this Agreement. (b) AMENDMENTS AND WAIVERS. No amendment to any provision of this Agreement shall in any event be effective unless the same shall be in writing and signed by the Borrower, the Creditor, the Collateral Agent and the Required Secured Parties (or the Collateral Agent with the written consent of the Required Secured Parties); and no waiver of any provision of this Agreement, or consent to any departure by the Borrower or the Creditor therefrom, shall in any event be effective unless the same shall be in writing and signed by the Collateral Agent and the Required Secured Parties (or the Collateral Agent with the consent of the Required Secured Parties). Any such amendment, waiver or consent shall be effective only in the specific instance and for the specific purpose for which given. SECTION 26 CONFLICTS. In case of any conflict or inconsistency between any terms of this Agreement, on the one hand, and the Note Purchase Agreement, the Subordinated Note or any other document or instrument relating to the Subordinated Debt, on the other hand, then the terms of this Agreement shall control. SECTION 27 SEVERABILITY. Whenever possible, each provision of this Agreement shall be interpreted in such manner as to be effective and valid under all applicable laws and regulations. If, however, any provision of this Agreement shall be prohibited by or invalid under any such law or regulation in any jurisdiction, it shall, as to such jurisdiction, be deemed modified to conform to the minimum requirements of such law or regulation, or, if for any reason it is not deemed so modified, it shall be ineffective and invalid only to the extent of such prohibition or invalidity without affecting the remaining provisions of this Agreement or the validity or effectiveness of such provision in any other jurisdiction. SECTION 28 INTERPRETATION. This Agreement is the result of negotiations between, and have been reviewed by counsel to, the Collateral Agent, the Senior Lenders, the Creditor, the Borrower and other parties, and is the product of all parties hereto. Accordingly, this Agreement shall not be construed against any of the Senior Lenders or the Collateral Agent merely because of the Collateral Agent's or any Senior Lender's involvement in the preparation thereof. 12. SECTION 29 COUNTERPARTS. This Agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute but one and the same agreement. SECTION 30 TERMINATION OF AGREEMENT. Upon payment in cash and performance in full of the Senior Debt and the termination of the Commitments, this Agreement shall terminate and the Collateral Agent and the Senior Lenders shall promptly execute and deliver to the Borrower and the Creditor such documents and instruments as shall be necessary to evidence such termination; PROVIDED, HOWEVER, that the obligations of the Borrower and the Creditor under Section 19 shall survive such termination. [SIGNATURES FOLLOW.] 13. IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the date first above written. THE COLLATERAL AGENT COOPERATIEVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, as Collateral Agent By____________________________________ Title: By____________________________________ Title: THE SENIOR LENDERS COOPERATIEVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A. "RABOBANK INTERNATIONAL", NEW YORK BRANCH By____________________________________ Title: By____________________________________ Title: FARM CREDIT WEST FLCA By ___________________________________ Title: U.S. BANK NATIONAL ASSOCIATION By ___________________________________ Title: 14. COMERICA BANK-CALIFORNIA By __________________________________ Title: AGSTAR FINANCIAL SERVICES, PCA, D/B/A FARM CREDIT SERVICES COMMERCIAL FINANCE GROUP By __________________________________ Title: FARM CREDIT SERVICE OF AMERICA, PCA By _________________________________ Title: THE CREDITOR By __________________________________ Title: Address: _____________________________________ _____________________________________ _____________________________________ Attn: _______________________________ Fax No.______________________________ THE BORROWER THE CHALONE WINE GROUP, LTD. By __________________________________ Title: 15. Schedule 1 to Subordination Agreement "SENIOR LENDERS" A. Senior Lenders party to the Credit Agreement: 1. Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch, as Issuing Lender, as Swingline Lender, as a Lender and as Agent 2. Farm Credit West FLCA 3 U.S. Bank National Association 4. Comerica Bank - California 5. Each other Person from time to time party to the Credit Agreement as a "Lender" thereunder. B. Senior Lenders party to the Amended and Restated Note Purchase Agreement. 1. Agstar Financial Services, PCA, d/b/a Farm Credit Services Commercial Finance Group 2. Farm Credit Services of America, PCA 3 Each other Person from time to time party to the Amended and Restated Note Purchase Agreement as a "Purchaser" thereunder. C. Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch, as Collateral Agent 16. ================================================================================ THE CHALONE WINE GROUP, LTD. FIRST AMENDMENT AND CONSENT Dated as of August 23, 2002 To AMENDED AND RESTATED NOTE PURCHASE AGREEMENT Dated as of April 19, 2002 Re: $5,000,000 Adjustable Rate Senior Secured Notes, Series A, Due September 15, 2010 $10,000,000 Adjustable Rate Senior Secured Notes, Series B, Due September 15, 2010 $15,000,000 Adjustable Rate Senior Secured Notes, Series C, Due September 15, 2010 ================================================================================ FIRST AMENDMENT AND CONSENT TO AMENDED AND RESTATED NOTE PURCHASE AGREEMENT This First Amendment and Consent dated as of August 23, 2002 (the or this "FIRST AMENDMENT") to the Amended and Restated Note Purchase Agreement dated as of April 19, 2002 is among The Chalone Wine Group, Ltd., a California corporation ("COMPANY"), the Subsidiary Guarantors (as defined below) and Farm Credit Services of America, PCA and AgStar Financial Services, PCA DBA Farm Credit Services Commercial Finance Group (collectively, the "NOTEHOLDERS"). RECITALS: A. The Company and the Noteholders have heretofore entered into that certain Amended and Restated Note Purchase Agreement dated as of April 19, 2002 (the "NOTE AGREEMENT"). The Company has heretofore issued its $5,000,000 Adjustable Rate Senior Secured Notes, Series A, Due September 15, 2010 bearing PPN 157639 B* 5 (the "SERIES A NOTES"), dated April 19, 2002, its $10,000,000 Adjustable Rate Senior Secured Notes, Series B, Due September 15, 2010 bearing PPN 157639 B@ 3 (the "SERIES B NOTES"), dated April 19, 2002 and its $15,000,000 Adjustable Rate Senior Secured Notes, Series C, Due September 15, 2010 bearing PPN 157639 B# 1 and dated April 19, 2002 (the "SERIES C NOTES"; the Series A Notes, the Series B Notes and the Series C Notes are hereinafter collectively referred to as the "NOTES") pursuant to the Note Agreement. The Noteholders are the holders of 100% of the principal amount of the Notes presently outstanding. B. Edna Valley Vineyard, a California general partnership ("EDNA VALLEY"), Canoe Ridge Vineyard L.L.C., a Washington limited liability company ("CANOE RIDGE"), Staton Hills Winery Company Limited, a Washington corporation ("STATON HILLS"), Canoe Ridge Winery, Inc., a Washington corporation ("CANOE RIDGE WINERY") and SHW Equity Co., a Washington corporation ("SHW") (Edna Valley, Canoe Ridge, Staton Hills, Canoe Ridge Winery and SHW are hereinafter collectively referred to as the "SUBSIDIARY Guarantors") have heretofore entered into those certain Subsidiary Guarantee Agreements, each dated as of April 19, 2002 (collectively, the "SUBSIDIARY GUARANTEE AGREEMENTS") under and pursuant to which each of the Subsidiary Guarantors guaranteed the payment of the Notes and the performance by the Company of its obligations under the Note Agreement. C. The Company desires to consummate the Winery Acquisition (as defined herein) and in connection therewith issue its Convertible Subordinated Promissory Notes dated August 23, 2002 (the "SUBORDINATED NOTES") to the sellers, Les Domaines Baron de Rothschild (Lafite) ("DBR") and SFI Intermediate Limited ("SFI", DBR and SFI are collectively referred to as the "SELLERS") and the Company and the Noteholders now desire to consent to the Winery Acquisition and to amend the Note Agreement as of August 23, 2002 (the "EFFECTIVE DATE") in the respects, but only in the respects, hereinafter set forth. The Subsidiary Guarantors now desire to affirm their respective obligations under the Subsidiary Guarantee Agreements. D. All requirements of law have been fully complied with and all other acts and things necessary to make this First Amendment a valid, legal and binding instrument according to its terms for the purposes herein expressed have been done or performed. -2- NOW, THEREFORE, upon the full and complete satisfaction of the conditions precedent to the effectiveness of this First Amendment set forth in SS.6 hereof, the Company, the Subsidiary Guarantors and the Noteholders, for good and valuable consideration the receipt and sufficiency of which is hereby acknowledged, do hereby agree as follows: SECTION 1 DEFINITIONS; REFERENCES. Unless otherwise specifically defined herein, each term used herein which is defined in the Note Agreement shall have the meaning assigned to such term in the Note Agreement. Each reference to "hereof", "hereunder", "herein" and "hereby" and each other similar reference and each reference to "this Agreement" and each other similar reference contained in the Note Agreement shall from and after the date hereof refer to the Note Agreement as amended hereby. SECTION 2 AMENDMENTS. (a) Schedule B to the Note Agreement shall be and is hereby amended by the following: (i) A new defined term "SHAREHOLDER SUBORDINATED DEBT" is inserted in proper alphabetical order as follows: "SHAREHOLDER SUBORDINATED DEBT" means the Indebtedness of the Company evidenced by (i) that certain Convertible Subordinated Promissory Note dated August 23, 2002, made by the Company in favor of Les Domaines Baron de Rothschild (Lafite) ("DBR"), in the original principal amount of $8,250,000 and (ii) that certain Convertible Subordinated Promissory Note dated August 23, 2002, made by the Company in favor of SFI Intermediate Limited ("SFI"), in the original principal amount of $2,750,000, which convertible subordinated promissory notes were issued by the Company pursuant to that certain Convertible Note Purchase Agreement dated as of August 23, 2002, among the Company, DBR and SFI, and the proceeds of which shall be used by the Company to complete the Winery Acquisition and for capital expenditures permitted under this Agreement." (ii) A new defined term "WINERY ACQUISITION" is inserted in proper alphabetical order as follows: ""WINERY ACQUISITION" means the acquisition by the Company of all of the capital stock, or all or substantially all of the assets, of Napa Beaucanon Company for a purchase price not to exceed $9,500,000." (iii) The definition of "Subordinated Debt" is hereby amended by deleting the reference to "Section 10.04(a)(viii)" and replacing it with "Section 10.5(k)." -3- (iv) The definition of "Subsidiary Guarantor" is hereby amended by adding ", Canoe Ridge Winery, Inc." after the words "Staton Hills Winery Company Ltd." therein. (b) Section 9.8 of the Note Agreement is amended by deleting the reference to "Section __" and replacing it with "Section 8.7(c)." (c) Section 10.4 of the Note Agreement is amended by inserting after subsection (e) the following new sentence: "The financial covenants set forth in subsections 10.4(a) (captioned "Leverage Ratio"), 10.4(c) (captioned "Interest Coverage Ratio") and 10.4(d) (captioned "Fixed Charge Coverage Ratio") shall be calculated without giving effect to the principal amount of the Shareholder Subordinated Debt or any interest payable thereunder." (d) Subsection 10.5(k) of the Note Agreement is amended and restated as follows: "(k) (i) until August 23, 2004, Indebtedness under the Shareholder Subordinated Debt in an aggregate principal amount not to exceed $11,000,000; and (ii) other Indebtedness subordinated to the Obligations on terms satisfactory to the Required Holders in an aggregate principal amount not to exceed $2,000,000 at any time outstanding; and" (e) Section 11(n) of the Note Agreement is amended by deleting the words "[intentionally omitted]" and replacing it with "the outstanding principal amount and all accrued interest on the Shareholder Subordinated Debt shall not have been extinguished and converted into shares of common stock of the Company pursuant to a non-cash transaction on or before August 23, 2004." SECTION 3 REPRESENTATIONS AND WARRANTIES OF THE COMPANY. To induce the Noteholders to execute and deliver this First Amendment (which representations shall survive the execution and delivery of this First Amendment), each of the Company and the Subsidiary Guarantors represent and warrant to the Noteholders that: (a) since June 30, 2002, there has been no change in the condition, financial or otherwise, of the Company and its Subsidiaries as shown on the consolidated balance sheet as of such date except changes in the ordinary course of business, none of which individually or in the aggregate has had, or reasonably could be expected to have, a Material Adverse Effect; (b) this First Amendment has been duly authorized, executed and delivered by it and this First Amendment constitutes the legal, valid and binding obligation, contract and agreement of the Company and Subsidiary Guarantors enforceable against it in accordance with its terms, except as enforcement may be limited by bankruptcy, insolvency, reorganization, moratorium or similar laws relating to or limiting creditors' rights generally and general principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or in law); -4- (c) the Note Agreement, as amended by this First Amendment, constitutes the legal, valid and binding obligation, contract and agreement of the Company enforceable against it in accordance with its terms, except as enforcement may be limited by bankruptcy, insolvency, reorganization, moratorium or similar laws relating to or limiting creditors' rights generally and general principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or in law); (d) the execution, delivery and performance by the Company and the Subsidiary Guarantors of this First Amendment (i) has been duly authorized by all requisite corporate action and, if required, shareholder action, (ii) does not require the consent or approval of any governmental or regulatory body or agency, and (iii) will not (A) violate (1) any provision of law, statute, rule or regulation or its certificate of incorporation or bylaws, (2) any order of any court or any rule, regulation or order of any other agency or government binding upon it, or (3) any provision of any material indenture, agreement or other instrument to which it is a party or by which its properties or assets are or may be bound, including, without limitation, the Note Agreement (as amended by this First Amendment), or (B) result in a breach or constitute (along or with due notice or lapse of time or both) a default under any indenture, agreement or other instrument referred to in clause (iii)(A)(3) of this SS.3(D); (e) as of the date hereof and after giving effect to this First Amendment, no Default or Event of Default has occurred which is continuing; and (f) except as otherwise set forth in the Schedules to the Note Agreement or on Schedule I hereto, all the representations and warranties contained in SS.5 of the Note Agreement are true and correct in all material respects with the same force and effect as if made by the Company and Subsidiary Guarantors on and as of the date hereof. SECTION 4 AFFIRMATION OF SUBSIDIARY GUARANTEE AGREEMENTS. Each of the Subsidiary Guarantors hereby affirm each of their obligations under their respective Subsidiary Guarantee Agreements after giving effect to this First Amendment. SECTION 5 CONSENT TO WINERY ACQUISITION. Pursuant to Section 10.8(e) of the Note Agreement, the Required Holders hereby consent to the Winery Acquisition (as defined herein); PROVIDED that (a) immediately prior to and after giving effect to such acquisition, no Event of Default shall have occurred and be continuing, (b) after giving effect to such acquisition, the Company shall be in full pro forma compliance with each of the financial covenants set forth in Section 10.4 (as amended by this First Amendment), measured as of the last day of the fiscal quarter then most recently ended, and (c) the prior effective written consent or approval to such acquisition of the board of directors or equivalent governing body of the acquiree shall have been obtained. SECTION 6 CONDITIONS TO EFFECTIVENESS OF THIS AMENDMENT. This First Amendment shall not become effective until, and shall become effective when, each and every one of the following conditions shall have been satisfied: -5- (a) executed counterparts of this First Amendment, duly executed by the Company, the Subsidiary Guarantors and the holders of 100% of the outstanding principal of the Notes, shall have been delivered to the Noteholders; (b) the representations and warranties of the Company and the Subsidiary Guarantors set forth inSS.3 hereof are true and correct on and with respect to the date hereof; (c) the Company shall have paid the reasonable fees and expenses of McDermott, Will & Emery, counsel to the Noteholders, in connection with the negotiation, preparation, approval, execution and delivery of this First Amendment; and (d) the Company shall have complied with the terms and provisions of Section 9.9 of the Note Agreement. SECTION 7 MISCELLANEOUS. (a) This First Amendment shall be construed in connection with and as part of the Note Agreement, and except as modified and expressly amended by this First Amendment, all terms, conditions and covenants contained in the Note Agreement, as amended on the date hereof, are hereby ratified and shall be and remain in full force and effect. (b) Any and all notices, requests, certificates and other instruments executed and delivered after the execution and delivery of this First Amendment may refer to the Note Agreement without making specific references to this First Amendment but nevertheless all such references shall include this First Amendment unless the context otherwise requires. (c) The descriptive headings of the various Sections or parts of this First Amendment are for convenience only and shall not affect the meaning or construction of any of the provisions hereof. (d) This First Amendment shall be governed by and construed in accordance with New York law. (e) The execution hereof by you shall constitute a contract between us for the uses and purposes hereinabove set forth, and this first amendment may be executed in any number of counterparts, each executed counterpart constituting an original, but all together only one agreement. -6- IN WITNESS WHEREOF, the parties hereto have caused this First Amendment to be duly executed by their respective authorized officers as of the day and year first above written THE CHALONE WINE GROUP, LTD. By: ___________________________________________ Title EDNA VALLEY VINEYARD By: The Chalone Wine Group, Ltd., Managing General Partner By: ___________________________________________ Title SHW EQUITY CO. By: ___________________________________________ Title CANOE RIDGE VINEYARD, L.L.C. By: ___________________________________________ Title STATON HILLS WINERY COMPANY LIMITED By: ___________________________________________ Title CANOE RIDGE WINERY, INC. By: ___________________________________________ Title -7- Accepted and Agreed: FARM CREDIT SERVICES OF AMERICA, PCA By: ___________________________________________ Title -8- Accepted and Agreed: AGSTAR FINANCIAL SERVICES, PCA, DBA FARM CREDIT SERVICES COMMERCIAL FINANCE GROUP By: ___________________________________________ Title EXHIBIT 10.60 THE CHALONE WINE GROUP, LTD. CONVERTIBLE NOTE PURCHASE AGREEMENT THIS CONVERTIBLE NOTE PURCHASE AGREEMENT (this "AGREEMENT") is entered into as of August 21, 2002 by and between The Chalone Wine Group, Ltd., a California corporation (the "COMPANY") whose principal office is located at 621 Airpark Road, Napa, California 94558, and, severally and not jointly, SFI Intermediate Limited, a Texas Limited Partnership ("SFI") whose principal office is located at 5810 Skelly Drive, Suite 1650, Tulsa, Oklahoma 74135 and Les Domaines Baron de Rothschild (Lafite), a French company ("DBR") whose principal office is located at 33 rue de la Baume, Paris, France. DBR and SFI are individually referred to herein as a "PURCHASER" and collectively as the "PURCHASERS." RECITALS The Company desires to issue and sell to the Purchasers, and the Purchasers desire to purchase, subordinated convertible promissory notes in the aggregate principal amount of US$11,000,000 in consideration for DBR's and SFI's respective investments of US$8,250,000 and US$2,750,000. The parties have agreed that the foregoing notes will be convertible, under specified circumstances, into shares of the Company's Common Stock. Simultaneously with the issuance and delivery of the notes, the Purchasers and the Company are entering into a registration rights agreement, pursuant to which the Company agrees, under specified circumstances, to register the Company's Common Stock issuable upon conversion of the notes. NOW, THEREFORE, the parties agree as follows: Section 1: SALE. Upon the terms and subject to the conditions hereof, the Company shall issue to DBR, and DBR shall purchase from the Company, at the Closing (as defined below), a subordinated convertible promissory note in the form of EXHIBIT A ("CONVERTIBLE NOTE") for the principal amount of $8,250,000. Upon the terms and subject to the conditions hereof, the Company shall issue to SFI, and SFI shall purchase from the Company, at the Closing (as defined below), a Convertible Note for the principal amount of $2,750,000. The Convertible Note issued to DBR is referred to below as the "DBR NOTE" and the Convertible Note issued to SFI is referred to below as the "SFI NOTE." Section 2: CLOSING. 2.1 CLOSING DATE AND LOCATION. The closing of the issuance to and purchase by each Purchaser of the Convertible Note (the "CLOSING") shall take place at the principal office of the Company on August 21, 2002 at 10:00 a.m. Pacific Time, or at such time and place as the Purchasers and the Company may set by mutual agreement. The date of the Closing is referred to herein as the "CLOSING DATE." 2.2 CLOSING. At the Closing, the Company shall deliver the DBR Note to DBR and the SFI Note to SFI upon the Company's receipt of wire transfers of $8,250,000 and $2,750,000, respectively. At the Closing, each Purchaser shall deliver to the Company, and the Company shall deliver to each Purchaser, a duly 1 executed copy of the Registration Rights Agreement in the form attached hereto as EXHIBIT B. Section 3: REPRESENTATIONS AND WARRANTIES OF THE COMPANY. The Company hereby represents and warrants to each Purchaser as follows: 3.1 ORGANIZATION AND GOOD STANDING. The Company is a corporation duly incorporated, validly existing and in good standing under the laws of the State of California. 3.2 AUTHORIZATION. The company has all requisite corporate power and authority to enter into this Agreement and, subject to satisfaction of the conditions set forth herein, to consummate the transactions contemplated hereby. The execution and delivery of this Agreement and the consummation of the transactions contemplated hereby have been duly authorized by all necessary corporate action on the part of the Company. 3.3 ENFORCEABILITY. This Agreement and the Convertible Note, when each is executed and delivered by the Company, shall constitute a valid and binding obligation of the Company, enforceable in accordance with its terms, subject to applicable bankruptcy, insolvency, reorganization, moratorium, and other similar laws affecting creditors' rights generally and to general principles of equity. 3.4 RESERVE OF COMMON STOCK; VALID ISSUANCE. The Company has on the date hereof and will, at all times while the Convertible Note is outstanding, maintain an adequate reserve of duly authorized shares of Common Stock, reserved for issuance to the Purchaser, to enable the Company to perform the conversion of the Convertible Note. The Common Stock issuable upon conversion of the Convertible Note, when issued in accordance with the terms of the Convertible Note, will be duly and validly authorized and issued, fully paid and nonassessable. Section 4: REPRESENTATIONS, WARRANTIES, COVENANTS AND AGREEMENTS OF THE PURCHASERS. Each Purchaser hereby represents, warrants, covenants and agrees severally and not jointly that: 4.1 AUTHORIZATION. The Purchaser has all requisite power and authority to enter into this Agreement and, subject to the satisfaction of the conditions set forth herein, to consummate the transactions contemplated hereby. The execution and delivery of this Agreement and the consummation of the transactions contemplated hereby have been duly authorized by all necessary action by the Purchaser. 4.2 INVESTMENT REPRESENTATIONS. The Purchaser will acquire the Convertible Note (and the Common Stock issuable thereunder) for investment for the Purchaser's own account, not as a nominee or agent, and not with a view to the sale or distribution of any part thereof, and the Purchaser has no present intention of selling, granting participation in or otherwise distributing the same. The Purchaser: (a) represents that it does not have any contract, undertaking, agreement or arrangement with any person to sell, transfer or grant participations to such person or to any third person with respect to any of the Convertible Note or the Common Stock issuable on conversion thereof; 2 (b) represents that it understands that the Convertible Note, and the Common Stock issuable on the conversion of the Convertible Note, are not registered under the Securities Act of 1933 (the "Securities Act") and applicable state securities laws on the ground that the sale provided for in this Agreement and the issuance of securities is exempt pursuant to Section 4(2) of the Securities Act or Rule 506 of Regulation D promulgated under the Securities Act, and state law exemptions relating to offers and sales in private placements to accredited investors; (c) agrees that it shall not make a disposition of the Convertible Note (to the extent transfer is permitted by the Convertible Note), or the Common Stock issuable upon conversion thereof (i) except pursuant to an effective registration statement under the Securities Act and in compliance with applicable state securities laws or (ii) unless and until it shall have (A) notified the Company of the proposed disposition and shall have furnished the Company with a statement of the circumstances surrounding the proposed disposition, and (B) furnished the Company with an opinion of counsel satisfactory to the Company and its counsel to the effect that appropriate action necessary for compliance with the Securities Act and any applicable state securities laws has been taken or an exemption from the registration or qualification requirements of the Securities Act and such state laws is available, and that the proposed transfer will not violate any of such laws; (d) represents that (i) it is an accredited investor within the meaning of Rule 501 of Regulation D promulgated under the Securities Act and (ii) that it was not formed for the specific purpose of acquiring the Convertible Note or the Common Stock issuable upon conversion thereof; (e) represents that it is capable of evaluating an investment in the Convertible Note and the Common Stock issuable upon conversion thereof by reason of its own investment acumen or business experience; (f) represents that, in relation to its income and/or net worth, the Purchaser is able to bear the economic risks of an investment in the Convertible Note and Common Stock issuable upon conversion thereof; (g) agrees that the Common Stock issuable upon conversion of the Convertible Note must be held until subsequently registered under the Securities Act or an exemption from such registration is available; (h) agrees that the Company shall have no obligation to issue shares of Common Stock to the Purchasers upon conversion of the Convertible Note unless the Company, after consultation with its counsel, is satisfied that the issuance of the Common Stock may occur without registration under the Securities Act and applicable state securities laws pursuant to exemptions from registration and qualification therefrom and agrees to provide such additional information, documentation and certifications as reasonably requested by the Company to confirm the availability of such exemptions; and (i) agrees that the Convertible Note and the certificates evidencing the Common Stock issuable upon conversion of the Convertible Note may bear a legend in substantially the following form: 3 THE SECURITIES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED ("SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY STATE, IN RELIANCE UPON CERTAIN EXEMPTIVE PROVISIONS OF SUCH LAWS. SUCH SECURITIES CANNOT BE SOLD OR TRANSFERRED EXCEPT IF, IN THE OPINION OF COUNSEL TO THE ISSUER, SUCH SALE OR TRANSFER WOULD BE: (1) PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT OR PURSUANT TO AN EXEMPTION FROM SUCH REGISTRATION; AND (2) IN A TRANSACTION WHICH IS EXEMPT UNDER APPLICABLE STATE SECURITIES LAWS, OR PURSUANT TO EFFECTIVE REGISTRATION STATEMENTS UNDER SUCH LAWS, OR IN A TRANSACTION WHICH IS OTHERWISE IN COMPLIANCE WITH SUCH LAWS. Section 5: CONDITIONS TO THE PURCHASER'S OBLIGATIONS AT CLOSING. The applicable obligations of each Purchaser under this Agreement are subject to the fulfillment on or before the Closing Date of each of the following conditions: 5.1 REPRESENTATIONS AND WARRANTIES. The representations and warranties of the Company set forth in SECTION 3 shall be true and correct in all material respects as of the date of this Agreement and as of the Closing Date. 5.2 PERFORMANCE. The Company shall have performed and complied with all agreements and conditions required by this Agreement to be performed or complied with by the Company on or before the Closing Date. 5.3 SECURITIES LAWS. At the time of the Closing, the issuance, sale and delivery of the Convertible Note by the Company to the Purchaser shall be legally permitted by all securities laws and regulations to which the Company and the Purchaser are subject. 5.4 ABSENCE OF LEGAL PROCEEDINGS. As of the Closing Date, (a) there shall be no effective injunction, writ, preliminary restraining order or any order of any nature issued by a court of competent directing that the transactions contemplated by this Agreement or any of them not be consummated as so provided or imposing any conditions on the consummation of the transactions contemplated hereby, and (b) there shall not have been instituted or pending, or, to the best of the Company's knowledge, threatened, any suit, action, or other proceeding that seeks to restrain, prevent or change the transactions contemplated by this Agreement or to otherwise question the validity or legality of such transaction. 5.5 LAWFUL ISSUANCE. As of the Closing Date, the purchase of the Convertible Note by the Purchaser, and the sale of the Convertible Note by the Company, shall be legally permitted by all laws and regulations to which the Company and the Purchaser are subject. Section 6: CONDITIONS TO THE COMPANY'S OBLIGATIONS AT CLOSING. The applicable obligations of the Company to each Purchaser under this Agreement are subject to the fulfillment on or before the Closing Date of each of the following conditions: 6.1 REPRESENTATIONS AND WARRANTIES. The representations and warranties of the Purchaser set forth in SECTION 4 shall be true and correct in all material respects as of the date of this Agreement and as of the Closing Date. 4 6.2 PERFORMANCE. The Purchaser shall have performed and complied with all agreements and conditions required by this Agreement to be performed or complied with by the Purchaser on or before the Closing Date. 6.3 QUALIFICATION OF PURCHASER. The Company shall be reasonably satisfied that the Purchaser is an investor fully qualified to make an investment in the Convertible Note so as to permit the sale to occur without registration under the Securities Act. 6.4 ABSENCE OF LEGAL PROCEEDINGS. As of the Closing Date, (a) there shall be no effective injunction, writ, preliminary restraining order or any order of any nature issued by a court of competent directing that the transactions contemplated by this Agreement or any of them not be consummated as so provided or imposing any conditions on the consummation of the transactions contemplated hereby, and (b) there shall not have been instituted or pending, or, to the best of the Purchaser's knowledge, threatened, any suit, action, or other proceeding that seeks to restrain, prevent or change the transactions contemplated by this Agreement or to otherwise question the validity or legality of such transaction. 6.5 LAWFUL ISSUANCE. As of the Closing Date, the purchase of the Convertible Note by the Purchaser, and the sale of the Convertible Note by the Company, shall be legally permitted by all laws and regulations to which the Company and the Purchaser are subject. Section 7: REPAYMENT OF CONVERTIBLE NOTES. If the Company repays the out- standing indebtedness under the Convertible Notes in cash in lieu of converting the Convertible Notes into shares of the Company's Common Stock, the Company shall not use the proceeds of an offering of its equity securities to pay any part of the outstanding indebtedness under the Convertible Notes unless the average closing price per share of the Company's Common Stock over the five consecutive trading days immediately preceding the repayment date is at least $15.00. The foregoing limitation on the Company's use of proceeds of an equity financing to repay the Convertible Notes shall terminate upon a Change of Control Transaction (as such term is defined in the Convertible Notes). Section 8: INDEMNIFICATION. 8.1 INDEMNIFICATION BY THE COMPANY. Subject to the limitations contained in this SECTION 8, the Company hereby agrees to indemnify, defend and hold harmless each Purchaser, and its officers, directors, employees, attorneys and agents, and successors in interest as to any and all claims, demands, losses, costs, expenses, obligations, liabilities, damages, recoveries and deficiencies, including interest, penalties and reasonable attorneys' fees and expenses that any such person shall incur or suffer, that arise, result from or relate to any breach of, or failure by the Company to perform, any of its representations, warranties, covenants or agreements in this Agreement. 8.2 INDEMNIFICATION BY THE PURCHASERS. Subject to the limitations contained in this SECTION 8, each Purchaser hereby agrees to indemnify, defend and hold harmless the Company, and its officers, directors, employees, attorneys and agents, and successors in interest as to any and all claims, demands, losses, costs, expenses, obligations, liabilities, damages, recoveries and deficiencies, including interest, penalties and reasonable attorneys' fees and 5 expenses that any such person shall incur or suffer, that arise, result from or relate to any breach of, or failure by the Purchaser to perform, any of its representations, warranties, covenants or agreements in this Agreement. 8.3 SURVIVAL. The representations, warranties and covenants of the parties contained in this Agreement shall survive the Closing. Section 9: MISCELLANEOUS. 9.1 ENTIRE AGREEMENT. This Agreement, including the Exhibits, constitutes the entire agreement among the parties, and no party shall be liable or bound to any other party in any manner by any warranties, representations or covenants except as specifically set forth herein. 9.2 AMENDMENTS AND WAIVERS. This Agreement may not be amended or terminated, or any right or obligation hereunder waived, other than by a written instrument signed by the party against whom enforcement of such amendment, termination or waiver is sought. 9.3 SUCCESSORS AND ASSIGNS. The terms and conditions of this Agreement shall inure to the benefit of and be binding upon the respective successors and assigns of the parties. Except as expressly provided herein, this Agreement is not intended to confer upon any other third party any rights, remedies, obligations or liabilities. 9.4 GOVERNING LAW. Except for applicable federal securities laws this Agreement shall be governed in all respects by the laws of the State of California. 9.5 COUNTERPARTS. This Agreement may be signed in any number of counterparts with the same effect as if the signatures to each counterpart were upon a single instrument and is intended to be binding when all parties have delivered their signatures to the other parties. Signatures may be delivered by facsimile transmission. All counterparts shall be deemed an original of this Agreement. 9.6 HEADINGS. The table of contents and headings used herein are used for convenience only, are not part of this Agreement and shall not be considered in construing or interpreting this Agreement. 9.7 NOTICES. All notices, requests, consents and other communications required or permitted hereunder shall be in writing and will be effective (a) immediately upon delivery in person or by messenger, (b) the next business day after deposit with a commercial courier or delivery service for next day delivery, (c) upon receipt by facsimile as established by evidence of successful transmission or (d) three business days after deposit with the United States Postal Service, certified mail, return receipt requested, postage prepaid. All notices must be properly addressed as follows (or to such other address as a party may specify by notice in pursuant to this SECTION 9.7): 6 (a) If to the Company: The Chalone Wine Group, Ltd. 621 Airpark Road Napa, CA 94558 Attention: Thomas Selfridge Facsimile No.: (707) 254-4204 with a copy to: Farella Braun + Martel LLP 235 Montgomery Street San Francisco, CA 94104 Attention: Daniel E. Cohn, Esq. Facsimile No.: (415) 954-4480 (b) If to DBR: __________________________________ __________________________________ __________________________________ __________________________________ Facsimile No.: with a copy to: Piper Rudnick LLP 1251 Avenue of the Americas New York, NY 10020 Attention: Michael A. Varet, Esq. Facsimile No.: (212) 835-6001 (c) If to SFI: __________________________________ __________________________________ __________________________________ __________________________________ __________________________________ with a copy to: Baker & Botts, L.L.P. One Shell Plaza 910 Louisiana Houston, TX 77002 Attention: Gray Jennings, Esq. Facsimile No.: (713) 229-1522 7 9.8 SEVERABILITY. If any one or more of the provisions of this Agreement or of any amendment thereto is determined to be void or unenforceable, all other provisions of this Agreement (and such amendment) shall be given effect separately from the provision or provisions determined to be void or unenforceable. 9.9 ATTORNEY'S FEES. In the event of any breach of this Agreement that results in arbitration or litigation between the parties, the prevailing party shall be entitled to its reasonable attorney's fees, expert witness fees and costs of suit. The prevailing party shall be determined by the court or arbitrator, as applicable, based upon an assessment of which party's major arguments or positions taken in the proceedings could fairly be said to have prevailed over the other party's major arguments or positions on major disputed issues in the court's or arbitrator's decision. IN WITNESS WHEREOF the parties hereto have signed or caused this Agreement to be signed as of the date first written above. COMPANY: THE CHALONE WINE GROUP, LTD. By: __________________________________________ Name: Title: PURCHASERS: LES DOMAINES BARON DE ROTHSCHILD (LAFITE) By:___________________________________________ Name: Title: SFI INTERMEDIATE LIMITED By:___________________________________________ Name: Title: 8 EXHIBIT A CONVERTIBLE NOTE EXHIBIT B REGISTRATION RIGHTS AGREEMENT THIS NOTE AND THE SHARES OF COMMON STOCK ISSUABLE UPON CONVERSION HEREOF HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED ("SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY STATE, IN RELIANCE UPON CERTAIN EXEMPTIVE PROVISIONS OF SUCH LAWS. SUCH SECURITIES CANNOT BE SOLD OR TRANSFERRED EXCEPT IF, IN THE OPINION OF COUNSEL TO THE ISSUER, SUCH SALE OR TRANSFER WOULD BE: (1) PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT OR PURSUANT TO AN EXEMPTION FROM SUCH REGISTRATION; AND (2) IN A TRANSACTION WHICH IS EXEMPT UNDER APPLICABLE STATE SECURITIES LAWS, OR PURSUANT TO EFFECTIVE REGISTRATION STATEMENTS UNDER SUCH LAWS, OR IN A TRANSACTION WHICH IS OTHERWISE IN COMPLIANCE WITH SUCH LAWS. CONVERTIBLE SUBORDINATED PROMISSORY NOTE $8,250,000 August 19, 2002 FOR VALUE RECEIVED, The Chalone Wine Group, Ltd., a California corporation ("MAKER") promises to pay to Les Domaines Baron de Rothschild (Lafite), a French company ("HOLDER"), in lawful money of the United States, the principal sum of Eight Million Two Hundred Fifty Thousand Dollars ($8,250,000) together with interest thereon and other amounts specified herein, as specified below. This Note is issued pursuant to a Convertible Note Purchase Agreement dated August 21, 2002 among Maker, Holder and SFI Intermediate Limited ("NOTE PURCHASE AGREEMENT"). 1. INTEREST. Simple interest on the principal sum shall accrue at a rate of nine percent (9%) per annum and shall be payable at the time specified in Paragraph 2 of this Note. Interest shall be calculated on the basis of a 365 day year and the actual number of days elapsed. 2. MATURITY. The entire principal sum and all accrued interest shall be due and payable in full two years from the date of this Note (the "MATURITY DATE"), except to the extent that such indebtedness is, pursuant to Paragraph 4, 5 or 8 hereof, converted into shares of Common Stock of Maker. 3. PREPAYMENT. This Note may be prepaid in whole or in part, at any time, without penalty or premium, upon 20 days prior written notice to Holder of Maker's intention to prepay this Note (a "PREPAYMENT NOTICE"), provided that (i) if Maker gives a Prepayment Notice within 180 days after the date of this Note or (ii) if the Board of Directors or any officer or agent of Maker has held substantive discussions or negotiations with any third party regarding a transaction or has authorized or entered into any agreement or formal indication of interest with respect to a transaction, in any such case, which if consummated would constitute a Change of Control Transaction (as such term is defined in Section 5 below), then such prepayment shall be subject to Holder's consent (which consent may, at the option of the Holder, be subject to Maker's agreement to convert the indebtedness under this Note into shares of Common Stock as provided below). Any partial prepayment shall be applied first to accrued and unpaid interest on this Note and then to the outstanding principal amount of this Note. 1 4. CONVERSION BY MAKER. At the Maturity Date (or, with the prior written consent of Holder, at such date prior to the Maturity Date selected by Maker), Maker may elect to pay the entire outstanding principal sum and all accrued and unpaid interest or may elect to convert all or any part of the outstanding principal balance of this Note and all or any part of the accrued and unpaid interest into shares of Common Stock of Maker at a conversion price of $9.4207 per share (the "CONVERSION PRICE"); provided, however, that: Maker shall not be entitled to exercise this conversion right if, at the time of conversion, Maker is insolvent or is in bankruptcy proceedingsprovided, further, however, that, notwithstanding the foregoing proviso, if, as a result of the provisions of the Subordination Agreement, dated even date herewith, among Holder and certain senior lenders of Maker, or otherwise, on the Maturity Date Maker is unable or otherwise fails to either pay the entire outstanding principal sum and all accrued and unpaid interest on this Note or convert all such amounts into shares of Common Stock of Maker as provided above, at the sole election of Holder pursuant to written notice to Maker, all or any part of the outstanding principal balance of this Note and all or any part of the interest accrued and unpaid thereon shall be converted into shares of Common Stock of Maker as provided above within the two business days following receipt by Maker of such notice. For purposes of this Paragraph 4, Maker will be insolvent if the fair value of Maker's assets does not exceed the reasonably estimated amount of Maker's liabilities or if Maker is unable to pay its debts as they become due. Maker acknowledges that its right to convert this Note into shares of Common Stock is a contract for financial accommodation and to issue a security of Maker within the meaning of 11 U.S.C. ss. 365(c)(2). 5. CONVERSION BY HOLDER. At the sole election of Holder pursuant to written notice to Maker, all or any part of the outstanding principal balance of this Note and all or any part of the interest accrued and unpaid thereon may be converted within the two business days immediately prior to the Anticipated Closing Date of a Change of Control Transaction (as defined below) into shares of Common Stock of Maker at the Conversion Price. "CHANGE OF CONTROL TRANSACTION" means the consummation of any transaction or series of related transactions approved by Maker's Board of Directors that results in the holders of record of Maker's capital stock immediately prior to the transaction or transactions holding less than fifty percent (50%) of the voting power of Maker immediately after the transaction or transactions, including the acquisition of Maker by another entity and any reorganization, merger, consolidation or share exchange, or which results in the sale of all or substantially all of the assets of Maker. "ANTICIPATED CLOSING DATE" means the date that Maker's Board of Directors determines to be the expected closing date of the Change of Control Transaction. Notwithstanding the foregoing, any conversion pursuant to this Section shall be conditioned upon the actual closing of a Change of Control Transaction and shall not be deemed to have occurred if such Change of Control Transaction is not consummated. 6. MECHANICS OF CONVERSION. Upon either Holder's or Maker's election to convert this Note, the specified part of the outstanding principal and accrued interest of the Note shall be converted without any further action by Holder and whether or not the Note is surrendered to Maker or its transfer agent. Maker shall not be obligated to issue certificates evidencing the shares of Common Stock issuable upon conversion unless the Note is either delivered to Maker or its transfer agent. Maker shall, as soon as practicable after such delivery, issue and deliver to Holder, a certificate or certificates with appropriate restrictive legends for the number of shares of Common Stock to which Holder shall be entitled. If a fractional share would otherwise be 2 issuable upon conversion of this Note, Maker will in lieu of such issuance pay the cash value of that fractional share. 7. ADJUSTMENTS FOR STOCK SPLITS; REVERSE STOCK SPLITS. In case Maker's Common Stock shall be subdivided into a greater number of shares, the Conversion Price shall be proportionately reduced, and conversely, in case Maker's Common Stock shall be combined into a smaller number of shares, the Conversion Price shall be proportionately increased. 8. DEFAULT AND REMEDIES. Maker will be in default under this Note if Maker fails to make the payment of principal and interest hereunder when due and such failure has not been corrected within five days after written notice by Holder to Maker at the address set forth below. Additionally, Maker will be deemed in default under this Note if Maker has breached a provision of the Note Purchase Agreement and such breach has not been cured within the applicable cure period specified in the Note Purchase Agreement. Upon Maker's default, Holder may exercise any and all of the remedies provided at law or, upon written notice to Maker, may require the immediate conversion of this Note into Common Stock of Maker at the Conversion Price. 9. WAIVERS. Maker, and any endorsers or guarantors hereof, severally waive diligence, presentment, protest and demand and also notice of protest, demand, dishonor, acceleration, intent to accelerate, and nonpayment of this Note, and expressly agree that this Note, or any payment hereunder, may be extended by mutual agreement of Maker and Holder from time to time without notice without in any way affecting the liability of Maker or any endorsers or guarantors hereof. No extension of time for the payment of this Note, or any installment hereof, agreed to by Holder with any person now or hereafter liable for the payment of this Note, shall affect the original liability of Maker under this Note, even if Maker is not a party to such agreement. 10. MAXIMUM LEGAL RATE OF INTEREST. If Holder ever receives interest or anything deemed interest in connection with this Note in excess of the maximum lawful amount, an amount equal to the excessive interest shall be applied to the reduction of the principal, and if it exceeds the unpaid balance of principal hereof, such excess shall be refunded to Maker. If interest otherwise payable to Holder would exceed the maximum lawful amount, the interest payable shall be reduced to the maximum amount permitted under applicable law. 11. SUBORDINATION. This Note is subordinate to all other debt for borrowed money of Maker. Upon the request of Maker, Holder shall promptly execute such reasonable and customary documents that either Maker or its creditors deem necessary or desirable to effectuate the foregoing subordination. 12. NO TRANSFER. Holder shall not sell, assign, transfer, pledge, give or otherwise dispose of all or any part of its respective rights or obligations under this Note. 13. MISCELLANEOUS. a. Maker shall pay all costs, including, without limitation, reasonable attorneys' fees incurred by Holder in collecting the sums due hereunder. 3 b. This Note may be modified only by a written agreement executed by Maker and Holder. c. This Note shall be governed by California law. d. The terms of this Note shall inure to the benefit of and bind Maker and Holder and their respective heirs, legal representatives and successors and assigns. e. If this Note is destroyed, lost or stolen, Maker will deliver a new note to Holder on the same terms and conditions as this Note with a notation of the unpaid principal and accrued and unpaid interest in substitution of the prior Note. Holder shall furnish to Maker reasonable evidence that the Note was destroyed, lost or stolen and any security or indemnity that may be reasonably required by Maker in connection with the replacement of this Note. IN WITNESS WHEREOF, Maker has executed this Note as of the date and year first above written. MAKER The Chalone Wine Group, Ltd. By: _____________________________________ Name: ___________________________________ Title: __________________________________ Notice Addresses: Maker: 621 AIRPARK ROAD, NAPA, CALIFORNIA 94558 Attn: THOMAS SELFRIDGE Facsimile: 707-254-4204 Holder: 33 rue de la Baume, 75008 Paris, France, Attn: Christophe Salin Facsimile: 011-33-1-53-89-7801 4 EXHIBIT 10.62 SUBORDINATION AGREEMENT (Les Domaines Baron de Rothschild (Lafite)) THIS SUBORDINATION AGREEMENT (this "Agreement"), dated as of August __, 2002, is made by Les Domaines Baron de Rothschild (Lafite) (the "Creditor") in favor of each of the "Senior Lenders" listed on SCHEDULE 1 hereto (each a "Senior Lender" and, collectively, the "Senior Lenders"). The Chalone Wine Group, Ltd., a California corporation (the "Borrower"), certain Senior Lenders and Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch ("Rabobank"), as issuer of letters of credit, as swingline lender and as administrative agent, are parties to a Credit Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Credit Agreement") pursuant to which the Senior Lenders party thereto have made available to the Borrower a revolving credit facility and term loan facility, as provided therein. The Borrower and certain other Senior Lenders are parties to an Amended and Restated Note Purchase Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Amended and Restated Note Purchase Agreement") relating to the Borrower's $5,000,000 Adjustable Rate Senior Secured Notes, Series A, Due September 15, 2010, the Borrower's $10,000,000 Adjustable Rate Senior Secured Notes, Series B, Due September 15, 2010, and the Borrower's $15,000,000 Adjustable Rate Senior Secured Notes, Series C, Due September 15, 2010. Rabobank, as collateral agent (in such capacity, the "Collateral Agent"), and the other Senior Lenders are also parties to an Amended and Restated Intercreditor and Collateral Agency Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Intercreditor Agreement") pursuant to which, among other things, the Senior Lenders have agreed to the allocation of certain payments made in respect of the Senior Debt (as defined below). Additionally, the Borrower is or will be indebted to the Creditor in the principal amount of $2,750,000, pursuant to a Convertible Note Purchase Agreement, dated as of August __, 2002 (as amended, modified, renewed, extended or replaced from time to time, the "Note Purchase Agreement") and the Convertible Subordinated Promissory Note dated August __, 2002 (the "Subordinated Note") outstanding thereunder. It is a condition precedent to the continued borrowings under the Credit Agreement and the issuance of letters of credit thereunder and the continuance of the loans under the Amended and Restated Note Purchase Agreement that the Creditor deliver this Agreement to the Senior Lenders to provide for the subordination of the Borrower's indebtedness to the Creditor to the Senior Debt. The Creditor has agreed to the subordination of such indebtedness to it, upon the terms and subject to the conditions set forth in this Agreement. Accordingly, the parties hereto agree as follows: SECTION 1 DEFINITIONS; INTERPRETATION. 1. (a) TERMS DEFINED IN CREDIT AGREEMENT. All capitalized terms used in this Agreement and not otherwise defined herein shall have the meanings assigned to them in the Credit Agreement. (b) CERTAIN DEFINED TERMS. As used in this Agreement, the following terms shall have the following meanings: "COMMITMENTS" means, in respect of each Senior Lender, the commitment of such Senior Lender to grant credit, make loans or otherwise extend financing to the Borrower under the Senior Debt. "INSOLVENCY EVENT" has the meaning set forth in Section 3. "REQUIRED SECURED PARTIES" shall have the meaning given to such term in the Intercreditor Agreement. "SENIOR DEBT" means (i) the indebtedness, liabilities and other obligations of the Borrower to the Senior Lenders under or in connection with the Credit Agreement and the other Loan Documents, including all unpaid principal of the Loans, all unpaid drawings under the Letters of Credit, all interest accrued thereon, all fees due thereunder and all other amounts payable by the Borrower to the Senior Lenders thereunder or in connection therewith, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined; and (ii) the indebtedness, liabilities and other obligations of the Borrower to the Senior Lenders under or in connection with the Amended and Restated Note Purchase Agreement and the other Senior Secured Note Documents, including all unpaid principal of the Senior Secured Notes, all interest accrued thereon, all premiums and Make-Whole Amounts (as defined in the Amended and Restated Note Purchase Agreement) due thereunder, all fees due thereunder and all other amounts payable by the Borrower to the Senior Lenders thereunder or in connection therewith, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "SUBORDINATED DEBT" means all indebtedness, liabilities and other obligations of the Borrower to the Creditor under or in connection with the Note Purchase Agreement and the Subordinated Note, including all principal on the Subordinated Note, all premium and interest accrued thereon, all fees and all other amounts payable by the Borrower to the Creditor under or in connection with the Note Purchase Agreement, the Subordinated Note and any other documents or instruments related thereto, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "SUBORDINATED DEBT PAYMENT" means any payment or distribution by or on behalf of the Borrower, directly or indirectly, of assets of the Borrower of any kind or character, whether in cash, property or securities, including on account of the purchase, redemption or other acquisition of Subordinated Debt, as a result of any collection, sale or other disposition of collateral, or by setoff, exchange or in any other manner, for or on account of the Subordinated Debt. 2. (c) INTERPRETATION. In this Agreement, except to the extent the context otherwise requires: (i) Any reference in this Agreement to an Article, a Section, a Schedule or an Exhibit is a reference to an article hereof, a section hereof, a schedule hereto or an exhibit hereto, respectively, and to a subsection hereof or a clause hereof is, unless otherwise stated, a reference to a subsection or a clause of the Section or subsection in which the reference appears. (ii) The words "hereof," "herein," "hereto," "hereunder" and the like mean and refer to this Agreement as a whole and not merely to the specific Article, Section, subsection, paragraph or clause in which the respective word appears. (iii) The meaning of defined terms shall be equally applicable to both the singular and plural forms of the terms defined. (iv) The words "including," "includes" and "include" shall be deemed to be followed by the words "without limitation". (v) References to agreements and other contractual instruments shall be deemed to include all subsequent amendments and other modifications thereto. (vi) References to statutes or regulations are to be construed as including all statutory and regulatory provisions consolidating, amending or replacing the statute or regulation referred to. (vii) The captions and headings are for convenience of reference only and shall not affect the construction of this Agreement. SECTION 2 AGREEMENT OF SUBORDINATION. Until such time as this Agreement is terminated in accordance with Section 30 below, the Subordinated Debt (including all Subordinated Debt Payments) shall be subject, subordinate and junior, in right of payment and exercise of remedies, to the extent and in the manner set forth herein, to the prior payment in full in cash of the Senior Debt. SECTION 3 SUBORDINATION UPON ANY DISTRIBUTION OF ASSETS OF THE BORROWER. In the event of any payment or distribution of assets of the Borrower of any kind or character, whether in cash, property or securities, upon the dissolution, winding up or total or partial liquidation or reorganization, readjustment, arrangement or similar proceeding relating to the Borrower or its property, whether voluntary or involuntary or in bankruptcy, insolvency, receivership, arrangement or similar proceedings or upon an assignment for the benefit of creditors, or upon any other marshalling or composition of the assets and liabilities of the Borrower, or otherwise (such events, collectively, the "Insolvency Events"): (i) all amounts owing on account of the Senior Debt shall first be paid in full in cash, or payment provided for in cash or in cash equivalents, for application in accordance with the Intercreditor Agreement, before any Subordinated Debt Payment is made; and (ii) to the extent permitted by applicable law, any Subordinated Debt Payment to which the Creditor would be entitled except for the provisions hereof shall be paid or delivered by the trustee in bankruptcy, receiver, assignee for the benefit of creditors or other liquidating agent making such payment or distribution, as applicable, directly 3. to the Collateral Agent (on behalf of the Senior Lenders) for application to the payment of the Senior Debt in accordance with clause (i), after giving effect to any concurrent payment or distribution or provision therefor to the Collateral Agent or the Senior Lenders in respect of such Senior Debt. SECTION 4 PAYMENTS ON SUBORDINATED DEBT. As long as any Senior Debt shall remain outstanding and unpaid, the Borrower shall not make, directly or indirectly, and the Creditor shall not accept or receive, any Subordinated Debt Payment; PROVIDED, HOWEVER, that the Borrower and the Creditor may at any time convert the Subordinated Debt, in whole or in part, into common stock of the Borrower. SECTION 5 SUBORDINATION OF REMEDIES. As long as any Senior Debt shall remain outstanding and unpaid, the Creditor shall not, without the prior written consent of the Collateral Agent (acting on instructions from the Required Secured Parties): (i) accelerate, make demand, declare a default or otherwise make due and payable prior to the original stated maturity thereof any Subordinated Debt or bring suit or institute any other actions or proceedings to enforce its rights or interests under or in respect of the Note Purchase Agreement and the Subordinated Note; (ii) exercise any rights under or with respect to (A) any guaranties of the Subordinated Debt, or (B) any collateral securing the Subordinated Debt, including causing or compelling the pledge or delivery of any such collateral, any attachment of, levy upon, execution against, foreclosure upon or the taking of other action against or institution of other proceedings with respect to any such collateral, notifying any account debtors of the Borrower or asserting any claim or interest in any insurance with respect to collateral, or attempt to do any of the foregoing; (iii) exercise any rights to set-offs and counterclaims in respect of any indebtedness, liabilities or obligations of the Creditor to the Borrower against any of the Subordinated Debt; or (iv) commence, or cause to be commenced, or join with any creditor other than the Senior Lenders in commencing, any bankruptcy, insolvency or receivership proceeding against the Borrower. SECTION 6 PAYMENT OVER TO COLLATERAL AGENT. In the event that, notwithstanding the provisions of Sections 3, 4 and 5, any Subordinated Debt Payments shall be received in contravention of such Sections 3, 4 and 5 by the Creditor before all Senior Debt is paid in full in cash or cash equivalents, such Subordinated Debt Payments shall be held in trust for the benefit of the Senior Lenders and shall be paid over or delivered to the Collateral Agent for application to the payment in full in cash or cash equivalents of all Senior Debt remaining unpaid to the extent necessary to give effect to such Sections 3, 4 and 5, after giving effect to any concurrent payments or distributions to the Collateral Agent and the Senior Lenders in respect of the Senior Debt. SECTION 7 AUTHORIZATION TO COLLATERAL AGENT. If, while any Subordinated Debt is outstanding, any Insolvency Event shall occur relating to the Borrower or its property: (i) the Collateral Agent, when so instructed by 4. the Required Secured Parties, is hereby irrevocably authorized and empowered (in the name of the Senior Lenders or in the name of the Creditor or otherwise), but shall have no obligation, to demand, sue for, collect and receive every payment or distribution in respect of the Subordinated Debt and give acquittance therefor and to file claims and proofs of claim and take such other action (including voting the Subordinated Debt) as it may deem necessary or advisable for the exercise or enforcement of any of the rights or interests of the Collateral Agent and the Senior Lenders; and (ii) the Creditor shall promptly take such action as the Collateral Agent (on instruction from the Required Secured Parties) may reasonably request (A) to collect the Subordinated Debt for the account of the Senior Lenders and to file appropriate claims or proofs of claim in respect of the Subordinated Debt, (B) to execute and deliver to the Collateral Agent such powers of attorney, assignments and other instruments as it may request to enable it to enforce any and all claims with respect to the Subordinated Debt, and (C) to collect and receive any and all Subordinated Debt Payments. SECTION 8 REPRESENTATIONS AND WARRANTIES. The Creditor represents and warrants to each Senior Lender that: (a) ORGANIZATION AND POWERS. The Creditor is a corporation duly organized, validly existing and in good standing under the law of the jurisdiction of its incorporation and has all requisite power and authority to own its assets and carry on its business and to execute, deliver and perform its obligations under this Agreement. (b) AUTHORIZATION; NO CONFLICT. The execution, delivery and performance by the Creditor of this Agreement have been duly authorized by all necessary corporate action of the Creditor, and do not and will not: (i) contravene the terms of the certificate or articles, as the case may be, of incorporation and the bylaws of the Creditor, (ii) result in a breach of or constitute a default under any indenture or loan or credit agreement or any other agreement, lease or instrument to which the Creditor is a party or by which it or its properties may be bound or affected; or (iii) violate any provision of any law, rule, regulation, order, writ, judgment, injunction, decree or the like binding on or affecting the Creditor. (c) BINDING OBLIGATION. This Agreement constitutes the legal, valid and binding obligation of the Creditor, enforceable against the Creditor in accordance with its terms. (d) CONSENTS. No authorization, consent, approval, license, exemption of, or filing or registration with, any Governmental Authority, or approval or consent of any other Person, is required for the due execution, delivery or performance by the Creditor of this Agreement. (e) NO PRIOR ASSIGNMENT. The Creditor has not previously assigned any interest in the Subordinated Debt, no Person other than the Creditor owns an interest in the Subordinated Debt (whether as joint holders of the Subordinated Debt, participants or otherwise), and the entire Subordinated Debt is owing only to the Creditor. (f) INDEPENDENT INVESTIGATION. The Creditor hereby acknowledges that it has undertaken its own independent investigation of the financial condition of the Borrower and all other matters pertaining to this Agreement and further acknowledges that it is not relying in any manner upon any 5. representation or statement of the Collateral Agent or the Senior Lenders with respect thereto. The Creditor represents and warrants that it is aware of the terms of the Loan Documents and the Senior Secured Note Documents and that it is in a position to obtain, and it hereby assumes full responsibility for obtaining, any additional information concerning the financial condition of the Borrower and any other matters pertinent hereto that the Creditor may desire. The Creditor is not relying upon or expecting the Collateral Agent or the Senior Lenders to furnish to the Creditor any information now or hereafter in the Collateral Agent or the Senior Lenders' possession concerning the financial condition of the Borrower or any other matter. SECTION 9 CERTAIN AGREEMENTS OF THE CREDITOR. (a) NO BENEFITS. The Creditor understands that there may be various agreements among the Collateral Agent, the Senior Lenders and the Borrower evidencing and governing the Senior Debt, and the Creditor acknowledges and agrees that such agreements are not intended to confer any benefits on the Creditor and that the Collateral Agent and the Senior Lenders shall have no obligation to the Creditor or any other Person to exercise any rights, enforce any remedies, or take any actions which may be available to it under such agreements. (b) NO INTERFERENCE. The Creditor acknowledges that the Borrower has granted the Collateral Agent and the Senior Lenders a security interest in certain of the Borrower's assets and agrees not to interfere with or in any manner oppose a disposition of any collateral by the Collateral Agent or the Senior Lenders in accordance with applicable law. (c) RELIANCE BY COLLATERAL AGENT AND SENIOR LENDERS. The Creditor acknowledges and agrees that the Collateral Agent and the Senior Lenders will have relied upon and will continue to rely upon the subordination provisions provided for herein and the other provisions hereof in maintaining the loans and other extensions of credit under the Loan Documents and the Senior Secured Note Documents. (d) WAIVERS. The Creditor waives any and all notice of the incurrence of the Senior Debt or any part thereof and any right to require marshalling of assets. (e) OBLIGATIONS OF CREDITOR NOT AFFECTED. The Creditor agrees that at any time and from time to time, without notice to or the consent of the Creditor, without incurring responsibility to the Creditor, and without impairing or releasing the subordination provided for herein or otherwise impairing the rights of the Collateral Agent and the Senior Lenders hereunder: (i) the time for the Borrower's performance of or compliance with any of its agreements contained in the Loan Documents or the Senior Secured Note Documents may be extended or such performance or compliance may be waived by the applicable Senior Lenders; (ii) the agreements of the Borrower with respect to the Loan Documents and the Senior Secured Note Documents may from time to time be modified by the Borrower and the applicable Senior Lenders for the purpose of adding any requirements thereto or changing in any manner the rights and obligations of the Borrower or the Senior Lenders thereunder; 6. (iii) the manner, place or terms for payment of Senior Debt or any portion thereof may be altered or the terms for payment extended, or the Senior Debt may be renewed in whole or in part, or the principal amount of the Senior Debt may from time to time be increased or decreased; (iv) the maturity of the Senior Debt may be accelerated in accordance with the terms of any present or future agreement by the Borrower and the applicable Senior Lenders; (v) any collateral securing Senior Debt may be sold, exchanged, released or substituted and any Lien in favor of the Collateral Agent or the Senior Lenders may be terminated, subordinated or fail to be perfected or become unperfected; (vi) any Person liable in any manner for Senior Debt may be discharged, released or substituted; and (vii) all other rights against the Borrower, any other Person or with respect to any collateral may be exercised (or the Collateral Agent and the Senior Lenders may waive or refrain from exercising such rights). (f) RIGHTS OF COLLATERAL AGENT AND SENIOR LENDERS NOT TO BE IMPAIRED. No right of the Collateral Agent or the Senior Lenders to enforce the subordination provided for herein or to exercise their other rights hereunder shall at any time in any way be prejudiced or impaired by any act or failure to act by the Borrower, the Collateral Agent or the Senior Lenders hereunder or under or in connection with the Loan Documents or the Senior Secured Note Documents or by any noncompliance by the Borrower with the terms and provisions and covenants herein or in any other Loan Document or Senior Secured Note Document, regardless of any knowledge thereof the Collateral Agent or the Senior Lenders may have or otherwise be charged with. (g) FINANCIAL CONDITION OF BORROWER. The Creditor shall not have any right to require the Collateral Agent or the Senior Lenders to obtain or disclose any information with respect to: (i) the financial condition or character of the Borrower or the ability of the Borrower to pay and perform Senior Debt; (ii) the Senior Debt; (iii) any collateral for any or all of the Senior Debt; (iv) the existence or nonexistence of any guarantees of, or any other subordination agreements with respect to, all or any part of the Senior Debt; (v) any action or inaction on the part of the Collateral Agent, the Senior Lenders or any other Person; or (vi) any other matter, fact or occurrence whatsoever. (h) ACQUISITION OF LIENS OR GUARANTIES. The Creditor shall not, without the prior written consent of the Collateral Agent and the Required Secured Parties, acquire any right or interest in or to any collateral to secure the Subordinated Debt or accept any guaranties for the Subordinated Debt. The Borrower shall not, without the prior written consent of the Collateral Agent and the Required Secured Parties, grant, or suffer or permit its Subsidiaries to grant, to the Creditor any right or interest in or to any collateral to secure the Subordinated Debt or suffer or permit any of its Subsidiaries to provide any guaranties for the Subordinated Debt. SECTION 10 SUBROGATION. 7. (a) SUBROGATION. Until the payment in cash and performance in full of all Senior Debt, the Creditor shall not have, and shall not directly or indirectly exercise, any rights that it may acquire by way of subrogation under this Agreement, by any payment or distribution to the Collateral Agent or the Senior Lenders hereunder or otherwise. Upon the payment in cash and performance in full of all Senior Debt, the Creditor shall be subrogated to the rights of the Collateral Agent and the Senior Lenders to receive payments or distributions applicable to the Senior Debt until the Subordinated Debt shall be paid in full. For the purposes of the foregoing subrogation, no payments or distributions to the Collateral Agent or the Senior Lenders of any cash, property or securities to which the Creditor would be entitled except for the provisions of Section 3, 4 or 5 shall, as among the Borrower, its creditors (other than the Senior Lenders and the Collateral Agent) and the Creditor, be deemed to be a payment by the Borrower to or on account of the Senior Debt. (b) PAYMENTS OVER TO CREDITOR. If any payment or distribution to which the Creditor would otherwise have been entitled but for the provisions of Section 3, 4 or 5 shall have been applied pursuant to the provisions of Section 3, 4 or 5 to the payment of all amounts payable under the Senior Debt, the Creditor shall be entitled to receive from the Collateral Agent and the Senior Lenders any payments or distributions received by the Collateral Agent and the Senior Lenders in excess of the amount sufficient to pay in full all amounts payable under or in respect of the Senior Debt. If any such excess payment is made to the Collateral Agent and the Senior Lenders, the Collateral Agent and the Senior Lenders shall promptly remit such excess to the Creditor and until so remitted shall hold such excess payment for the benefit of the Creditor. SECTION 11 CONTINUING AGREEMENT; REINSTATEMENT. (a) CONTINUING AGREEMENT. This Agreement is a continuing agreement of subordination and shall continue in effect and be binding upon the Creditor until the full, final and indefeasible payment in cash, and the full and final performance, of the Senior Debt and the termination of the Commitments. The subordinations, agreements, and priorities set forth herein shall remain in full force and effect regardless of whether any party hereto in the future seeks to rescind, amend, terminate or reform, by litigation or otherwise, its respective agreements with the Borrower. (b) REINSTATEMENT. This Agreement shall continue to be effective or shall be reinstated, as the case may be, if, for any reason, any payment of the Senior Debt by or on behalf of the Borrower shall be rescinded or must otherwise be restored by the Collateral Agent or any Lender, whether as a result of an Insolvency Event or otherwise. SECTION 12 PAYMENTS. The Creditor shall make each payment hereunder unconditionally in full without set-off, counterclaim or other defense, on the day when due to the Collateral Agent in Dollars and in same day or immediately available funds, to the account from time to time specified by the Collateral Agent. SECTION 13 TRANSFER OF SUBORDINATED DEBT. The Creditor may not assign or transfer its rights and obligations under the Note Purchase Agreement or the Subordinated Note or any interest in the Subordinated Debt or any collateral therefor without the prior written consent of the Required Secured Parties, and any such transferee or assignee, as a condition to acquiring the 8. Subordinated Note or interest in the Subordinated Debt or collateral shall agree to be bound hereby, in form satisfactory to the Collateral Agent and the Required Secured Parties. Any prohibited assignment shall be absolutely void. The Senior Lenders (and each of them) may from time to time assign or grant participations in all or part of their rights and obligations under the Senior Debt, subject to the terms and provisions of the Senior Debt held by such Senior Lender, and each such assignee of, or participant in, the Senior Debt shall be entitled to all of the rights and benefits afforded to the Senior Lenders under this Agreement. SECTION 14 AMENDMENTS OF SUBORDINATED DEBT. Each of the Borrower and the Creditor shall not, without the prior written consent of the Required Secured Parties, agree to or permit any amendment, modification or waiver of any material provisions of the Note Purchase Agreement, the Subordinated Note or any other agreement relating to any Subordinated Debt (including any amendment, modification or waiver pursuant to an exchange of other securities or instruments for outstanding Subordinated Debt) if the effect of such amendment, modification or waiver is to: (i) increase the interest rate on the Subordinated Debt or change (to earlier dates) the dates upon which principal and interest are due thereon; (ii) alter the redemption, prepayment or subordination provisions thereof; (iii) alter the covenants and events of default in a manner which would make such provisions more onerous or restrictive to the Borrower or any Subsidiary; or (iv) otherwise increase the obligations of the Borrower in respect of the Subordinated Debt or confer additional rights upon the Creditor which individually or in the aggregate would be adverse to the Borrower, its Subsidiaries or the Senior Lenders. SECTION 15 OBLIGATIONS OF BORROWER NOT AFFECTED. The provisions of this Agreement are intended solely for the purpose of defining the relative rights against the Borrower of the Creditor, on the one hand, and the Collateral Agent and the Senior Lenders, on the other hand. Nothing contained in this Agreement shall (i) impair, as between the Borrower and the Creditor, the obligation of the Borrower to pay the principal of or interest on the Subordinated Note and its other obligations with respect to the Subordinated Debt as and when the same shall become due and payable in accordance with the terms thereof, or (ii) otherwise affect the relative rights against the Borrower of the Creditor, on the one hand, and the creditors of the Borrower (other than the Senior Lenders and the Collateral Agent), on the other hand. SECTION 16 ENDORSEMENT OF SUBORDINATED NOTES; FURTHER ASSURANCES AND ADDITIONAL ACTS. (a) ENDORSEMENT OF SUBORDINATED NOTE. At the request of the Collateral Agent, the Subordinated Note and all other documents and instruments evidencing any of the Subordinated Debt shall be endorsed with a legend noting that the Subordinated Note and such other documents and instruments are subject to this Agreement, and the Creditor shall promptly deliver to the Collateral Agent evidence of the same. (b) FURTHER ASSURANCES AND ADDITIONAL ACTS. Each of the Creditor and the Borrower shall execute, acknowledge, deliver, file, notarize and register at its own expense all such further agreements, instruments, certificates, financing statements, documents and assurances, and perform such acts as the Collateral Agent or the Required Secured Parties shall deem necessary or appropriate to effectuate the purposes of this Agreement, and 9. promptly provide the Collateral Agent with evidence of the foregoing satisfactory in form and substance to the Collateral Agent and the Required Secured Parties. SECTION 17 NOTICES. All notices and other communications provided for hereunder shall, unless otherwise stated herein, be in writing (including by facsimile transmission) and shall be mailed, sent or delivered at or to the address or facsimile number of the respective party or parties set forth in the Credit Agreement or the Amended and Restated Note Purchase Agreement, as the case may be, or, in the case of the Creditor, at or to its address or facsimile number set forth on the signature pages hereof, or at or to such other address or facsimile number as such party or parties shall have designated in a written notice to the other party or parties. All such notices and communications shall be effective (i) if delivered by hand, when delivered; (ii) if sent by mail, upon the earlier of the date of receipt or five Business Days after deposit in the mail, first class (or air mail, with respect to communications to be sent to or from the United States), postage prepaid; and (iii) if sent by facsimile transmission, when sent. SECTION 18 NO WAIVER; CUMULATIVE REMEDIES. No failure on the part of the Collateral Agent or any Senior Lender to exercise, and no delay in exercising, any right, remedy, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, remedy, power or privilege preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. The rights and remedies under this Agreement are cumulative and not exclusive of any rights, remedies, powers and privileges that may otherwise be available to the Collateral Agent or any Senior Lender. SECTION 19 COSTS AND EXPENSES. (a) PAYMENTS BY BORROWER. The Borrower agrees to pay to the Collateral Agent and the Senior Lenders on demand the reasonable out-of-pocket costs and expenses of the Collateral Agent and the Senior Lenders, and the reasonable fees and disbursements of counsel to the Collateral Agent and the Senior Lenders (including allocated costs of internal counsel), in connection with the negotiation, preparation, execution, delivery and administration of this Agreement, and any amendments, modifications or waivers of the terms thereof. (b) PAYMENTS BY BORROWER AND CREDITOR. Each of the Borrower and the Creditor jointly and severally agrees to pay to the Collateral Agent on demand all costs and expenses of the Collateral Agent and the Senior Lenders, and the fees and disbursements of counsel (including allocated costs of internal counsel), in connection with the enforcement or attempted enforcement of, and preservation of rights or interests under, this Agreement, including any losses, costs and expenses sustained by the Collateral Agent and any Senior Lender as a result of any failure by the Creditor to perform or observe its obligations contained in this Agreement. SECTION 20 SURVIVAL. All covenants, agreements, representations and warranties made in this Agreement shall, except to the extent otherwise provided herein, survive the execution and delivery of this Agreement, and shall continue in full force and effect so long as any Senior Debt remains unpaid or the Senior Lenders have any Commitments. Without limiting the generality of the foregoing, the obligations of the Borrower and the 10. Creditor under Section 19 shall survive the satisfaction of the Senior Debt and the termination of the Commitments. SECTION 21 BENEFITS OF AGREEMENT. This Agreement is entered into for the sole protection and benefit of the parties hereto and their successors and assigns, and no other Person (other than any Person that becomes a Senior Lender after the date hereof) shall be a direct or indirect beneficiary of, or shall have any direct or indirect cause of action or claim in connection with, this Agreement. SECTION 22 BINDING EFFECT. This Agreement shall be binding upon, inure to the benefit of and be enforceable by the Borrower, the Creditor, the Collateral Agent and each Senior Lender and their respective successors and assigns. SECTION 23 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK. SECTION 24 SUBMISSION TO JURISDICTION. (a) SUBMISSION TO JURISDICTION. The Creditor hereby (i) submits to the non-exclusive jurisdiction of the courts of the State of New York and the Federal courts of the United States sitting in the State of New York for the purpose of any action or proceeding arising out of or relating to this Agreement, (ii) agrees that all claims in respect of any such action or proceeding may be heard and determined in such courts, (iii) irrevocably waives (to the extent permitted by applicable law) any objection which it now or hereafter may have to the laying of venue of any such action or proceeding brought in any of the foregoing courts, and any objection on the ground that any such action or proceeding in any such court has been brought in an inconvenient forum and (iv) agrees that a final judgment in any such action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner permitted by law. (b) APPOINTMENT OF PROCESS COLLATERAL AGENT. The Creditor hereby irrevocably appoints the Borrower (the "Process Collateral Agent"), as its authorized agent with all powers necessary to receive on its behalf service of copies of the summons and complaint and any other process which may be served in any action or proceeding arising out of or relating to this Agreement in any of the courts in and of the State of New York. Such service may be made by mailing or delivering a copy of such process to the Creditor in care of the Process Collateral Agent at the Process Collateral Agent's address, and the Creditor hereby irrevocably authorizes and directs the Process Collateral Agent to accept such service on its behalf and agrees that the failure of the Process Collateral Agent to give any notice of any such service to the Creditor shall not impair or affect the validity of such service or of any judgment rendered in any action or proceeding based thereon. As an alternative method of service, the Creditor also irrevocably consents to the service of any and all process in any such action or proceeding by the mailing of copies of such process to the Creditor at its address specified in Section 17. If for any reason the Borrower shall cease to act as Process Collateral Agent, the Creditor shall appoint forthwith, in the manner provided for herein, a successor Process Collateral 11. Agent qualified to act as an Collateral Agent for service of process with respect to all courts in and of the State of New York and acceptable to the Collateral Agent. (c) NO LIMITATION. Nothing in this Section 24 shall affect the right of the Collateral Agent or the Senior Lenders to serve legal process in any other manner permitted by law or limit the right of the Collateral Agent or the Senior Lenders to bring any action or proceeding against the Creditor or its property in the courts of other jurisdictions. SECTION 25 ENTIRE AGREEMENT; AMENDMENTS AND WAIVERS. (a) ENTIRE AGREEMENT. This Agreement constitutes the entire agreement of the Borrower, the Senior Lenders, the Collateral Agent and the Creditor with respect to the matters set forth herein and supersedes any prior agreements, commitments, drafts, communications, discussions and understandings, oral or written, with respect thereto. There are no conditions to the full effectiveness of this Agreement. (b) AMENDMENTS AND WAIVERS. No amendment to any provision of this Agreement shall in any event be effective unless the same shall be in writing and signed by the Borrower, the Creditor, the Collateral Agent and the Required Secured Parties (or the Collateral Agent with the written consent of the Required Secured Parties); and no waiver of any provision of this Agreement, or consent to any departure by the Borrower or the Creditor therefrom, shall in any event be effective unless the same shall be in writing and signed by the Collateral Agent and the Required Secured Parties (or the Collateral Agent with the consent of the Required Secured Parties). Any such amendment, waiver or consent shall be effective only in the specific instance and for the specific purpose for which given. SECTION 26 CONFLICTS. In case of any conflict or inconsistency between any terms of this Agreement, on the one hand, and the Note Purchase Agreement, the Subordinated Note or any other document or instrument relating to the Subordinated Debt, on the other hand, then the terms of this Agreement shall control. SECTION 27 SEVERABILITY. Whenever possible, each provision of this Agreement shall be interpreted in such manner as to be effective and valid under all applicable laws and regulations. If, however, any provision of this Agreement shall be prohibited by or invalid under any such law or regulation in any jurisdiction, it shall, as to such jurisdiction, be deemed modified to conform to the minimum requirements of such law or regulation, or, if for any reason it is not deemed so modified, it shall be ineffective and invalid only to the extent of such prohibition or invalidity without affecting the remaining provisions of this Agreement or the validity or effectiveness of such provision in any other jurisdiction. SECTION 28 INTERPRETATION. This Agreement is the result of negotiations between, and have been reviewed by counsel to, the Collateral Agent, the Senior Lenders, the Creditor, the Borrower and other parties, and is the product of all parties hereto. Accordingly, this Agreement shall not be construed against any of the Senior Lenders or the Collateral Agent merely because of the Collateral Agent's or any Senior Lender's involvement in the preparation thereof. 12. SECTION 29 COUNTERPARTS. This Agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute but one and the same agreement. SECTION 30 TERMINATION OF AGREEMENT. Upon payment in cash and performance in full of the Senior Debt and the termination of the Commitments, this Agreement shall terminate and the Collateral Agent and the Senior Lenders shall promptly execute and deliver to the Borrower and the Creditor such documents and instruments as shall be necessary to evidence such termination; PROVIDED, HOWEVER, that the obligations of the Borrower and the Creditor under Section 19 shall survive such termination. [SIGNATURES FOLLOW.] 13. IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the date first above written. THE COLLATERAL AGENT COOPERATIEVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, as Collateral Agent By_________________________________________ Title: By_________________________________________ Title: THE SENIOR LENDERS COOPERATIEVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH By_________________________________________ Title: By_________________________________________ Title: FARM CREDIT WEST FLCA By_________________________________________ Title: U.S. BANK NATIONAL ASSOCIATION By_________________________________________ Title: 14. COMERICA BANK-CALIFORNIA By ________________________________________ Title: AGSTAR FINANCIAL SERVICES, PCA, D/B/A FARM CREDIT SERVICES COMMERCIAL FINANCE GROUP By_________________________________________ Title: FARM CREDIT SERVICE OF AMERICA, PCA By_________________________________________ Title: THE CREDITOR LES DOMAINES BARON DE ROTHSCHILD (LAFITE) By_________________________________________ Title: Address: ___________________________________________ ___________________________________________ ___________________________________________ Attn: _____________________________________ Fax No.____________________________________ THE BORROWER THE CHALONE WINE GROUP, LTD. By_________________________________________ Title: 15. Schedule 1 to Subordination Agreement "SENIOR LENDERS" A. Senior Lenders party to the Credit Agreement: 1. Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch, as Issuing Lender, as Swingline Lender, as a Lender and as Agent 2. Farm Credit West FLCA 3. U.S. Bank National Association 4. Comerica Bank - California 5. Each other Person from time to time party to the Credit Agreement as a "Lender" thereunder. B. Senior Lenders party to the Amended and Restated Note Purchase Agreement. 1. Agstar Financial Services, PCA, d/b/a Farm Credit Services Commercial Finance Group 2. Farm Credit Services of America, PCA 3. Each other Person from time to time party to the Amended and Restated Note Purchase Agreement as a "Purchaser" thereunder. C. Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch, as Collateral Agent 16. THIS NOTE AND THE SHARES OF COMMON STOCK ISSUABLE UPON CONVERSION HEREOF HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED ("SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY STATE, IN RELIANCE UPON CERTAIN EXEMPTIVE PROVISIONS OF SUCH LAWS. SUCH SECURITIES CANNOT BE SOLD OR TRANSFERRED EXCEPT IF, IN THE OPINION OF COUNSEL TO THE ISSUER, SUCH SALE OR TRANSFER WOULD BE: (1) PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT OR PURSUANT TO AN EXEMPTION FROM SUCH REGISTRATION; AND (2) IN A TRANSACTION WHICH IS EXEMPT UNDER APPLICABLE STATE SECURITIES LAWS, OR PURSUANT TO EFFECTIVE REGISTRATION STATEMENTS UNDER SUCH LAWS, OR IN A TRANSACTION WHICH IS OTHERWISE IN COMPLIANCE WITH SUCH LAWS. CONVERTIBLE SUBORDINATED PROMISSORY NOTE $2,750,000 August 21, 2002 FOR VALUE RECEIVED, The Chalone Wine Group, Ltd., a California corporation ("Maker") promises to pay to SFI Intermediate Limited or its affiliates ("Holder"), in lawful money of the United States, the principal sum of Two Million Seven Hundred Fifty Thousand Dollars ($2,750,000) together with interest thereon and other amounts specified herein, as specified below. This Note is issued pursuant to a Convertible Note Purchase Agreement dated August 21, 2002 among Maker, Holder and Les Domaines Baron de Rothschild (Lafite) ("Note Purchase Agreement"). 1. INTEREST. Simple interest on the principal sum shall accrue at a rate of nine percent (9%) per annum and shall be payable at the time specified in Paragraph 2 of this Note. Interest shall be calculated on the basis of a 365 day year and the actual number of days elapsed. 2. MATURITY. The entire principal sum and all accrued interest shall be due and payable in full two years from the date of this Note (the "Maturity Date"), except to the extent that such indebtedness is, pursuant to Paragraph 4, 5 or 8 hereof, converted into shares of Common Stock of Maker. 3. PREPAYMENT. This Note may be prepaid in whole or in part, at any time, without penalty or premium, upon 20 days prior written notice to Holder of Maker's intention to prepay this Note (a "PREPAYMENT NOTICE"), provided that (i) if Maker gives a Prepayment Notice within 180 days after the date of this Note or (ii) if the Board of Directors or any officer or agent of Maker has held substantive discussions or negotiations with any third party regarding a transaction or has authorized or entered into any agreement or formal indication of interest with respect to a transaction, in any such case, which if consummated would constitute a Change of Control Transaction (as such term is defined in Section 5 below), then such prepayment shall be subject to Holder's consent (which consent may, at the option of the Holder, be subject to Maker's agreement to convert the indebtedness under this Note into shares of Common Stock as provided below). Any partial prepayment shall be applied first to accrued and unpaid interest on this Note and then to the outstanding principal amount of this Note. 4. CONVERSION BY MAKER. At the Maturity Date (or, with the prior written consent of Holder, at such date prior to the Maturity Date selected by Maker), Maker may elect to pay the entire outstanding principal sum and all accrued and unpaid interest or may elect to convert all or any part of the outstanding principal balance of this Note and all or any part of the accrued and unpaid interest into shares of Common Stock of Maker at a conversion price of $9.4207 per share (the "Conversion Price"); provided, however, that: Maker shall not be entitled to exercise this conversion right if, at the time of conversion, Maker is insolvent or is in bankruptcy proceedingsprovided, further, however, that, notwithstanding the foregoing proviso, if, as a result of the provisions of the Subordination Agreement, dated even date herewith, among Holder and certain senior lenders of Maker, or otherwise, on the Maturity Date Maker is unable or otherwise fails to either pay the entire outstanding principal sum and all accrued and unpaid interest on this Note or convert all such amounts into shares of Common Stock of Maker as provided above, at the sole election of Holder pursuant to written notice to Maker, all or any part of the outstanding principal balance of this Note and all or any part of the interest accrued and unpaid thereon shall be converted into shares of Common Stock of Maker as provided above within the two business days following receipt by Maker of such notice. For purposes of this Paragraph 4, Maker will be insolvent if the fair value of Maker's assets does not exceed the reasonably estimated amount of Maker's liabilities or if Maker is unable to pay its debts as they become due. Maker acknowledges that its right to convert this Note into shares of Common Stock is a contract for financial accommodation and to issue a security of Maker within the meaning of 11 U.S.C. ss. 365(c)(2). 5. CONVERSION BY HOLDER. At the sole election of Holder pursuant to written notice to Maker, all or any part of the outstanding principal balance of this Note and all or any part of the interest accrued and unpaid thereon may be converted within the two business days immediately prior to the Anticipated Closing Date of a Change of Control Transaction (as defined below) into shares of Common Stock of Maker at the Conversion Price. "Change of Control Transaction" means the consummation of any transaction or series of related transactions approved by Maker's Board of Directors that results in the holders of record of Maker's capital stock immediately prior to the transaction or transactions holding less than fifty percent (50%) of the voting power of Maker immediately after the transaction or transactions, including the acquisition of Maker by another entity and any reorganization, merger, consolidation or share exchange, or which results in the sale of all or substantially all of the assets of Maker. "Anticipated Closing Date" means the date that Maker's Board of Directors determines to be the expected closing date of the Change of Control Transaction. Notwithstanding the foregoing, any conversion pursuant to this Section shall be conditioned upon the actual closing of a Change of Control Transaction and shall not be deemed to have occurred if such Change of Control Transaction is not consummated. 6. MECHANICS OF CONVERSION. Upon either Holder's or Maker's election to convert this Note, the specified part of the outstanding principal and accrued interest of the Note shall be converted without any further action by Holder and whether or not the Note is surrendered to Maker or its transfer agent. Maker shall not be obligated to issue certificates evidencing the shares of Common Stock issuable upon conversion unless the Note is either delivered to Maker 2 or its transfer agent. Maker shall, as soon as practicable after such delivery, issue and deliver to Holder, a certificate or certificates with appropriate restrictive legends for the number of shares of Common Stock to which Holder shall be entitled. If a fractional share would otherwise be issuable upon conversion of this Note, Maker will in lieu of such issuance pay the cash value of that fractional share. 7. ADJUSTMENTS FOR STOCK SPLITS; REVERSE STOCK SPLITS. In case Maker's Common Stock shall be subdivided into a greater number of shares, the Conversion Price shall be proportionately reduced, and conversely, in case Maker's Common Stock shall be combined into a smaller number of shares, the Conversion Price shall be proportionately increased. 8. DEFAULT AND REMEDIES. Maker will be in default under this Note if Maker fails to make the payment of principal and interest hereunder when due and such failure has not been corrected within five days after written notice by Holder to Maker at the address set forth below. Additionally, Maker will be deemed in default under this Note if Maker has breached a provision of the Note Purchase Agreement and such breach has not been cured within the applicable cure period specified in the Note Purchase Agreement. Upon Maker's default, Holder may exercise any and all of the remedies provided at law or, upon written notice to Maker, may require the immediate conversion of this Note into Common Stock of Maker at the Conversion Price. 9. WAIVERS. Maker, and any endorsers or guarantors hereof, severally waive diligence, presentment, protest and demand and also notice of protest, demand, dishonor, acceleration, intent to accelerate, and nonpayment of this Note, and expressly agree that this Note, or any payment hereunder, may be extended by mutual agreement of Maker and Holder from time to time without notice without in any way affecting the liability of Maker or any endorsers or guarantors hereof. No extension of time for the payment of this Note, or any installment hereof, agreed to by Holder with any person now or hereafter liable for the payment of this Note, shall affect the original liability of Maker under this Note, even if Maker is not a party to such agreement. 10. MAXIMUM LEGAL RATE OF INTEREST. If Holder ever receives interest or anything deemed interest in connection with this Note in excess of the maximum lawful amount, an amount equal to the excessive interest shall be applied to the reduction of the principal, and if it exceeds the unpaid balance of principal hereof, such excess shall be refunded to Maker. If interest otherwise payable to Holder would exceed the maximum lawful amount, the interest payable shall be reduced to the maximum amount permitted under applicable law. 11. SUBORDINATION. This Note is subordinate to all other debt for borrowed money of Maker. Upon the request of Maker, Holder shall promptly execute such reasonable and customary documents that either Maker or its creditors deem necessary or desirable to effectuate the foregoing subordination. 12. NO TRANSFER. Holder shall not sell, assign, transfer, pledge, give or otherwise dispose of all or any part of its respective rights or obligations under this Note. 3 13. MISCELLANEOUS. a. Maker shall pay all costs, including, without limitation, reasonable attorneys' fees incurred by Holder in collecting the sums due hereunder. b. This Note may be modified only by a written agreement executed by Maker and Holder. c. This Note shall be governed by California law. d. The terms of this Note shall inure to the benefit of and bind Maker and Holder and their respective heirs, legal representatives and successors and assigns. e. If this Note is destroyed, lost or stolen, Maker will deliver a new note to Holder on the same terms and conditions as this Note with a notation of the unpaid principal and accrued and unpaid interest in substitution of the prior Note. Holder shall furnish to Maker reasonable evidence that the Note was destroyed, lost or stolen and any security or indemnity that may be reasonably required by Maker in connection with the replacement of this Note. IN WITNESS WHEREOF, Maker has executed this Note as of the date and year first above written. MAKER The Chalone Wine Group, Ltd. By: _________________________________ Name: _______________________________ Title: ______________________________ Notice Addresses: Maker: 621 AIRPARK ROAD, NAPA, CALIFORNIA 94558 Attn: THOMAS SELFRIDGE Facsimile: 707-254-4204 Holder: ________________________, Attn: _________________ Facsimile: ___________ E-mail: __________________ 4 SUBORDINATION AGREEMENT (SFI Intermediate Limited) THIS SUBORDINATION AGREEMENT (this "Agreement"), dated as of August __, 2002, is made by SFI Intermediate Limited (the "Creditor") in favor of each of the "Senior Lenders" listed on SCHEDULE 1 hereto (each a "Senior Lender" and, collectively, the "Senior Lenders"). The Chalone Wine Group, Ltd., a California corporation (the "Borrower"), certain Senior Lenders and Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch ("Rabobank"), as issuer of letters of credit, as swingline lender and as administrative agent, are parties to a Credit Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Credit Agreement") pursuant to which the Senior Lenders party thereto have made available to the Borrower a revolving credit facility and term loan facility, as provided therein. The Borrower and certain other Senior Lenders are parties to an Amended and Restated Note Purchase Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Amended and Restated Note Purchase Agreement") relating to the Borrower's $5,000,000 Adjustable Rate Senior Secured Notes, Series A, Due September 15, 2010, the Borrower's $10,000,000 Adjustable Rate Senior Secured Notes, Series B, Due September 15, 2010, and the Borrower's $15,000,000 Adjustable Rate Senior Secured Notes, Series C, Due September 15, 2010. Rabobank, as collateral agent (in such capacity, the "Collateral Agent"), and the other Senior Lenders are also parties to an Amended and Restated Intercreditor and Collateral Agency Agreement dated as of April 19, 2002 (as amended, restated, modified, supplemented, renewed or extended from time to time, the "Intercreditor Agreement") pursuant to which, among other things, the Senior Lenders have agreed to the allocation of certain payments made in respect of the Senior Debt (as defined below). Additionally, the Borrower is or will be indebted to the Creditor in the principal amount of $2,750,000, pursuant to a Convertible Note Purchase Agreement, dated as of August __, 2002 (as amended, modified, renewed, extended or replaced from time to time, the "Note Purchase Agreement") and the Convertible Subordinated Promissory Note dated August __, 2002 (the "Subordinated Note") outstanding thereunder. It is a condition precedent to the continued borrowings under the Credit Agreement and the issuance of letters of credit thereunder and the continuance of the loans under the Amended and Restated Note Purchase Agreement that the Creditor deliver this Agreement to the Senior Lenders to provide for the subordination of the Borrower's indebtedness to the Creditor to the Senior Debt. The Creditor has agreed to the subordination of such indebtedness to it, upon the terms and subject to the conditions set forth in this Agreement. Accordingly, the parties hereto agree as follows: SECTION 1 DEFINITIONS; INTERPRETATION. 1. (a) TERMS DEFINED IN CREDIT AGREEMENT. All capitalized terms used in this Agreement and not otherwise defined herein shall have the meanings assigned to them in the Credit Agreement. (b) CERTAIN DEFINED TERMS. As used in this Agreement, the following terms shall have the following meanings: "COMMITMENTS" means, in respect of each Senior Lender, the commitment of such Senior Lender to grant credit, make loans or otherwise extend financing to the Borrower under the Senior Debt. "INSOLVENCY EVENT" has the meaning set forth in Section 3. "REQUIRED SECURED PARTIES" shall have the meaning given to such term in the Intercreditor Agreement. "SENIOR DEBT" means (i) the indebtedness, liabilities and other obligations of the Borrower to the Senior Lenders under or in connection with the Credit Agreement and the other Loan Documents, including all unpaid principal of the Loans, all unpaid drawings under the Letters of Credit, all interest accrued thereon, all fees due thereunder and all other amounts payable by the Borrower to the Senior Lenders thereunder or in connection therewith, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined; and (ii) the indebtedness, liabilities and other obligations of the Borrower to the Senior Lenders under or in connection with the Amended and Restated Note Purchase Agreement and the other Senior Secured Note Documents, including all unpaid principal of the Senior Secured Notes, all interest accrued thereon, all premiums and Make-Whole Amounts (as defined in the Amended and Restated Note Purchase Agreement) due thereunder, all fees due thereunder and all other amounts payable by the Borrower to the Senior Lenders thereunder or in connection therewith, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "SUBORDINATED DEBT" means all indebtedness, liabilities and other obligations of the Borrower to the Creditor under or in connection with the Note Purchase Agreement and the Subordinated Note, including all principal on the Subordinated Note, all premium and interest accrued thereon, all fees and all other amounts payable by the Borrower to the Creditor under or in connection with the Note Purchase Agreement, the Subordinated Note and any other documents or instruments related thereto, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated or unliquidated, determined or undetermined. "SUBORDINATED DEBT PAYMENT" means any payment or distribution by or on behalf of the Borrower, directly or indirectly, of assets of the Borrower of any kind or character, whether in cash, property or securities, including on account of the purchase, redemption or other acquisition of Subordinated Debt, as a result of any collection, sale or other disposition of collateral, or by setoff, exchange or in any other manner, for or on account of the Subordinated Debt. 2. (c) INTERPRETATION. In this Agreement, except to the extent the context otherwise requires: (i) Any reference in this Agreement to an Article, a Section, a Schedule or an Exhibit is a reference to an article hereof, a section hereof, a schedule hereto or an exhibit hereto, respectively, and to a subsection hereof or a clause hereof is, unless otherwise stated, a reference to a subsection or a clause of the Section or subsection in which the reference appears. (ii) The words "hereof," "herein," "hereto," "hereunder" and the like mean and refer to this Agreement as a whole and not merely to the specific Article, Section, subsection, paragraph or clause in which the respective word appears. (iii) The meaning of defined terms shall be equally applicable to both the singular and plural forms of the terms defined. (iv) The words "including," "includes" and "include" shall be deemed to be followed by the words "without limitation". (v) References to agreements and other contractual instruments shall be deemed to include all subsequent amendments and other modifications thereto. (vi) References to statutes or regulations are to be construed as including all statutory and regulatory provisions consolidating, amending or replacing the statute or regulation referred to. (vii) The captions and headings are for convenience of reference only and shall not affect the construction of this Agreement. SECTION 2 AGREEMENT OF SUBORDINATION. Until such time as this Agreement is terminated in accordance with Section 30 below, the Subordinated Debt (including all Subordinated Debt Payments) shall be subject, subordinate and junior, in right of payment and exercise of remedies, to the extent and in the manner set forth herein, to the prior payment in full in cash of the Senior Debt. SECTION 3 SUBORDINATION UPON ANY DISTRIBUTION OF ASSETS OF THE BORROWER. In the event of any payment or distribution of assets of the Borrower of any kind or character, whether in cash, property or securities, upon the dissolution, winding up or total or partial liquidation or reorganization, readjustment, arrangement or similar proceeding relating to the Borrower or its property, whether voluntary or involuntary or in bankruptcy, insolvency, receivership, arrangement or similar proceedings or upon an assignment for the benefit of creditors, or upon any other marshalling or composition of the assets and liabilities of the Borrower, or otherwise (such events, collectively, the "Insolvency Events"): (i) all amounts owing on account of the Senior Debt shall first be paid in full in cash, or payment provided for in cash or in cash equivalents, for application in accordance with the Intercreditor Agreement, before any Subordinated Debt Payment is made; and (ii) to the extent permitted by applicable law, any Subordinated Debt Payment to which the Creditor would be entitled except for the provisions hereof shall be paid or delivered by the trustee in bankruptcy, receiver, assignee for the benefit of creditors or other liquidating agent making such payment or distribution, 3. as applicable, directly to the Collateral Agent (on behalf of the Senior Lenders) for application to the payment of the Senior Debt in accordance with clause (i), after giving effect to any concurrent payment or distribution or provision therefor to the Collateral Agent or the Senior Lenders in respect of such Senior Debt. SECTION 4 PAYMENTS ON SUBORDINATED DEBT. As long as any Senior Debt shall remain outstanding and unpaid, the Borrower shall not make, directly or indirectly, and the Creditor shall not accept or receive, any Subordinated Debt Payment; PROVIDED, HOWEVER, that the Borrower and the Creditor may at any time convert the Subordinated Debt, in whole or in part, into common stock of the Borrower. SECTION 5 SUBORDINATION OF REMEDIES. As long as any Senior Debt shall remain outstanding and unpaid, the Creditor shall not, without the prior written consent of the Collateral Agent (acting on instructions from the Required Secured Parties): (i) accelerate, make demand, declare a default or otherwise make due and payable prior to the original stated maturity thereof any Subordinated Debt or bring suit or institute any other actions or proceedings to enforce its rights or interests under or in respect of the Note Purchase Agreement and the Subordinated Note; (ii) exercise any rights under or with respect to (A) any guaranties of the Subordinated Debt, or (B) any collateral securing the Subordinated Debt, including causing or compelling the pledge or delivery of any such collateral, any attachment of, levy upon, execution against, foreclosure upon or the taking of other action against or institution of other proceedings with respect to any such collateral, notifying any account debtors of the Borrower or asserting any claim or interest in any insurance with respect to collateral, or attempt to do any of the foregoing; (iii) exercise any rights to set-offs and counterclaims in respect of any indebtedness, liabilities or obligations of the Creditor to the Borrower against any of the Subordinated Debt; or (iv) commence, or cause to be commenced, or join with any creditor other than the Senior Lenders in commencing, any bankruptcy, insolvency or receivership proceeding against the Borrower. SECTION 6 PAYMENT OVER TO COLLATERAL AGENT. In the event that, notwithstanding the provisions of Sections 3, 4 and 5, any Subordinated Debt Payments shall be received in contravention of such Sections 3, 4 and 5 by the Creditor before all Senior Debt is paid in full in cash or cash equivalents, such Subordinated Debt Payments shall be held in trust for the benefit of the Senior Lenders and shall be paid over or delivered to the Collateral Agent for application to the payment in full in cash or cash equivalents of all Senior Debt remaining unpaid to the extent necessary to give effect to such Sections 3, 4 and 5, after giving effect to any concurrent payments or distributions to the Collateral Agent and the Senior Lenders in respect of the Senior Debt. SECTION 7 AUTHORIZATION TO COLLATERAL AGENT. If, while any Subordinated Debt is outstanding, any Insolvency Event shall occur relating to the Borrower or its property: (i) the 4. Collateral Agent, when so instructed by the Required Secured Parties, is hereby irrevocably authorized and empowered (in the name of the Senior Lenders or in the name of the Creditor or otherwise), but shall have no obligation, to demand, sue for, collect and receive every payment or distribution in respect of the Subordinated Debt and give acquittance therefor and to file claims and proofs of claim and take such other action (including voting the Subordinated Debt) as it may deem necessary or advisable for the exercise or enforcement of any of the rights or interests of the Collateral Agent and the Senior Lenders; and (ii) the Creditor shall promptly take such action as the Collateral Agent (on instruction from the Required Secured Parties) may reasonably request (A) to collect the Subordinated Debt for the account of the Senior Lenders and to file appropriate claims or proofs of claim in respect of the Subordinated Debt, (B) to execute and deliver to the Collateral Agent such powers of attorney, assignments and other instruments as it may request to enable it to enforce any and all claims with respect to the Subordinated Debt, and (C) to collect and receive any and all Subordinated Debt Payments. SECTION 8 REPRESENTATIONS AND WARRANTIES. The Creditor represents and warrants to each Senior Lender that: (a) ORGANIZATION AND POWERS. The Creditor is a corporation duly organized, validly existing and in good standing under the law of the jurisdiction of its incorporation and has all requisite power and authority to own its assets and carry on its business and to execute, deliver and perform its obligations under this Agreement. (b) AUTHORIZATION; NO CONFLICT. The execution, delivery and performance by the Creditor of this Agreement have been duly authorized by all necessary corporate action of the Creditor, and do not and will not: (i) contravene the terms of the certificate or articles, as the case may be, of incorporation and the bylaws of the Creditor, (ii) result in a breach of or constitute a default under any indenture or loan or credit agreement or any other agreement, lease or instrument to which the Creditor is a party or by which it or its properties may be bound or affected; or (iii) violate any provision of any law, rule, regulation, order, writ, judgment, injunction, decree or the like binding on or affecting the Creditor. (c) BINDING OBLIGATION. This Agreement constitutes the legal, valid and binding obligation of the Creditor, enforceable against the Creditor in accordance with its terms. (d) CONSENTS. No authorization, consent, approval, license, exemption of, or filing or registration with, any Governmental Authority, or approval or consent of any other Person, is required for the due execution, delivery or performance by the Creditor of this Agreement. (e) NO PRIOR ASSIGNMENT. The Creditor has not previously assigned any interest in the Subordinated Debt, no Person other than the Creditor owns an interest in the Subordinated Debt (whether as joint holders of the Subordinated Debt, participants or otherwise), and the entire Subordinated Debt is owing only to the Creditor. (f) INDEPENDENT INVESTIGATION. The Creditor hereby acknowledges that it has undertaken its own independent investigation of the financial condition of the Borrower and all other matters pertaining to this Agreement and further acknowledges that it is not relying in any 5. manner upon any representation or statement of the Collateral Agent or the Senior Lenders with respect thereto. The Creditor represents and warrants that it is aware of the terms of the Loan Documents and the Senior Secured Note Documents and that it is in a position to obtain, and it hereby assumes full responsibility for obtaining, any additional information concerning the financial condition of the Borrower and any other matters pertinent hereto that the Creditor may desire. The Creditor is not relying upon or expecting the Collateral Agent or the Senior Lenders to furnish to the Creditor any information now or hereafter in the Collateral Agent or the Senior Lenders' possession concerning the financial condition of the Borrower or any other matter. SECTION 9 CERTAIN AGREEMENTS OF THE CREDITOR. (a) NO BENEFITS. The Creditor understands that there may be various agreements among the Collateral Agent, the Senior Lenders and the Borrower evidencing and governing the Senior Debt, and the Creditor acknowledges and agrees that such agreements are not intended to confer any benefits on the Creditor and that the Collateral Agent and the Senior Lenders shall have no obligation to the Creditor or any other Person to exercise any rights, enforce any remedies, or take any actions which may be available to it under such agreements. (b) NO INTERFERENCE. The Creditor acknowledges that the Borrower has granted the Collateral Agent and the Senior Lenders a security interest in certain of the Borrower's assets and agrees not to interfere with or in any manner oppose a disposition of any collateral by the Collateral Agent or the Senior Lenders in accordance with applicable law. (c) RELIANCE BY COLLATERAL AGENT AND SENIOR LENDERS. The Creditor acknowledges and agrees that the Collateral Agent and the Senior Lenders will have relied upon and will continue to rely upon the subordination provisions provided for herein and the other provisions hereof in maintaining the loans and other extensions of credit under the Loan Documents and the Senior Secured Note Documents. (d) WAIVERS. The Creditor waives any and all notice of the incurrence of the Senior Debt or any part thereof and any right to require marshalling of assets. (e) OBLIGATIONS OF CREDITOR NOT AFFECTED. The Creditor agrees that at any time and from time to time, without notice to or the consent of the Creditor, without incurring responsibility to the Creditor, and without impairing or releasing the subordination provided for herein or otherwise impairing the rights of the Collateral Agent and the Senior Lenders hereunder: (i) the time for the Borrower's performance of or compliance with any of its agreements contained in the Loan Documents or the Senior Secured Note Documents may be extended or such performance or compliance may be waived by the applicable Senior Lenders; (ii) the agreements of the Borrower with respect to the Loan Documents and the Senior Secured Note Documents may from time to time be modified by the Borrower and the applicable Senior Lenders for the purpose of adding any requirements thereto or changing in any manner the rights and obligations of the Borrower or the Senior Lenders thereunder; 6. (iii) the manner, place or terms for payment of Senior Debt or any portion thereof may be altered or the terms for payment extended, or the Senior Debt may be renewed in whole or in part, or the principal amount of the Senior Debt may from time to time be increased or decreased; (iv) the maturity of the Senior Debt may be accelerated in accordance with the terms of any present or future agreement by the Borrower and the applicable Senior Lenders; (v) any collateral securing Senior Debt may be sold, exchanged, released or substituted and any Lien in favor of the Collateral Agent or the Senior Lenders may be terminated, subordinated or fail to be perfected or become unperfected; (vi) any Person liable in any manner for Senior Debt may be discharged, released or substituted; and (vii) all other rights against the Borrower, any other Person or with respect to any collateral may be exercised (or the Collateral Agent and the Senior Lenders may waive or refrain from exercising such rights). (f) RIGHTS OF COLLATERAL AGENT AND SENIOR LENDERS NOT TO BE IMPAIRED. No right of the Collateral Agent or the Senior Lenders to enforce the subordination provided for herein or to exercise their other rights hereunder shall at any time in any way be prejudiced or impaired by any act or failure to act by the Borrower, the Collateral Agent or the Senior Lenders hereunder or under or in connection with the Loan Documents or the Senior Secured Note Documents or by any noncompliance by the Borrower with the terms and provisions and covenants herein or in any other Loan Document or Senior Secured Note Document, regardless of any knowledge thereof the Collateral Agent or the Senior Lenders may have or otherwise be charged with. (g) FINANCIAL CONDITION OF BORROWER. The Creditor shall not have any right to require the Collateral Agent or the Senior Lenders to obtain or disclose any information with respect to: (i) the financial condition or character of the Borrower or the ability of the Borrower to pay and perform Senior Debt; (ii) the Senior Debt; (iii) any collateral for any or all of the Senior Debt; (iv) the existence or nonexistence of any guarantees of, or any other subordination agreements with respect to, all or any part of the Senior Debt; (v) any action or inaction on the part of the Collateral Agent, the Senior Lenders or any other Person; or (vi) any other matter, fact or occurrence whatsoever. (h) ACQUISITION OF LIENS OR GUARANTIES. The Creditor shall not, without the prior written consent of the Collateral Agent and the Required Secured Parties, acquire any right or interest in or to any collateral to secure the Subordinated Debt or accept any guaranties for the Subordinated Debt. The Borrower shall not, without the prior written consent of the Collateral Agent and the Required Secured Parties, grant, or suffer or permit its Subsidiaries to grant, to the Creditor any right or interest in or to any collateral to secure the Subordinated Debt or suffer or permit any of its Subsidiaries to provide any guaranties for the Subordinated Debt. SECTION 10 SUBROGATION. 7. (a) SUBROGATION. Until the payment in cash and performance in full of all Senior Debt, the Creditor shall not have, and shall not directly or indirectly exercise, any rights that it may acquire by way of subrogation under this Agreement, by any payment or distribution to the Collateral Agent or the Senior Lenders hereunder or otherwise. Upon the payment in cash and performance in full of all Senior Debt, the Creditor shall be subrogated to the rights of the Collateral Agent and the Senior Lenders to receive payments or distributions applicable to the Senior Debt until the Subordinated Debt shall be paid in full. For the purposes of the foregoing subrogation, no payments or distributions to the Collateral Agent or the Senior Lenders of any cash, property or securities to which the Creditor would be entitled except for the provisions of Section 3, 4 or 5 shall, as among the Borrower, its creditors (other than the Senior Lenders and the Collateral Agent) and the Creditor, be deemed to be a payment by the Borrower to or on account of the Senior Debt. (b) PAYMENTS OVER TO CREDITOR. If any payment or distribution to which the Creditor would otherwise have been entitled but for the provisions of Section 3, 4 or 5 shall have been applied pursuant to the provisions of Section 3, 4 or 5 to the payment of all amounts payable under the Senior Debt, the Creditor shall be entitled to receive from the Collateral Agent and the Senior Lenders any payments or distributions received by the Collateral Agent and the Senior Lenders in excess of the amount sufficient to pay in full all amounts payable under or in respect of the Senior Debt. If any such excess payment is made to the Collateral Agent and the Senior Lenders, the Collateral Agent and the Senior Lenders shall promptly remit such excess to the Creditor and until so remitted shall hold such excess payment for the benefit of the Creditor. SECTION 11 CONTINUING AGREEMENT; REINSTATEMENT. (a) CONTINUING AGREEMENT. This Agreement is a continuing agreement of subordination and shall continue in effect and be binding upon the Creditor until the full, final and indefeasible payment in cash, and the full and final performance, of the Senior Debt and the termination of the Commitments. The subordinations, agreements, and priorities set forth herein shall remain in full force and effect regardless of whether any party hereto in the future seeks to rescind, amend, terminate or reform, by litigation or otherwise, its respective agreements with the Borrower. (b) REINSTATEMENT. This Agreement shall continue to be effective or shall be reinstated, as the case may be, if, for any reason, any payment of the Senior Debt by or on behalf of the Borrower shall be rescinded or must otherwise be restored by the Collateral Agent or any Lender, whether as a result of an Insolvency Event or otherwise. SECTION 12 PAYMENTS. The Creditor shall make each payment hereunder unconditionally in full without set-off, counterclaim or other defense, on the day when due to the Collateral Agent in Dollars and in same day or immediately available funds, to the account from time to time specified by the Collateral Agent. SECTION 13 TRANSFER OF SUBORDINATED DEBT. The Creditor may not assign or transfer its rights and obligations under the Note Purchase Agreement or the Subordinated Note or any interest in the Subordinated Debt or any collateral therefor without the prior written consent of the Required Secured Parties, and any such transferee or assignee, as a condition to 8. acquiring the Subordinated Note or interest in the Subordinated Debt or collateral shall agree to be bound hereby, in form satisfactory to the Collateral Agent and the Required Secured Parties. Any prohibited assignment shall be absolutely void. The Senior Lenders (and each of them) may from time to time assign or grant participations in all or part of their rights and obligations under the Senior Debt, subject to the terms and provisions of the Senior Debt held by such Senior Lender, and each such assignee of, or participant in, the Senior Debt shall be entitled to all of the rights and benefits afforded to the Senior Lenders under this Agreement. SECTION 14 AMENDMENTS OF SUBORDINATED DEBT. Each of the Borrower and the Creditor shall not, without the prior written consent of the Required Secured Parties, agree to or permit any amendment, modification or waiver of any material provisions of the Note Purchase Agreement, the Subordinated Note or any other agreement relating to any Subordinated Debt (including any amendment, modification or waiver pursuant to an exchange of other securities or instruments for outstanding Subordinated Debt) if the effect of such amendment, modification or waiver is to: (i) increase the interest rate on the Subordinated Debt or change (to earlier dates) the dates upon which principal and interest are due thereon; (ii) alter the redemption, prepayment or subordination provisions thereof; (iii) alter the covenants and events of default in a manner which would make such provisions more onerous or restrictive to the Borrower or any Subsidiary; or (iv) otherwise increase the obligations of the Borrower in respect of the Subordinated Debt or confer additional rights upon the Creditor which individually or in the aggregate would be adverse to the Borrower, its Subsidiaries or the Senior Lenders. SECTION 15 OBLIGATIONS OF BORROWER NOT AFFECTED. The provisions of this Agreement are intended solely for the purpose of defining the relative rights against the Borrower of the Creditor, on the one hand, and the Collateral Agent and the Senior Lenders, on the other hand. Nothing contained in this Agreement shall (i) impair, as between the Borrower and the Creditor, the obligation of the Borrower to pay the principal of or interest on the Subordinated Note and its other obligations with respect to the Subordinated Debt as and when the same shall become due and payable in accordance with the terms thereof, or (ii) otherwise affect the relative rights against the Borrower of the Creditor, on the one hand, and the creditors of the Borrower (other than the Senior Lenders and the Collateral Agent), on the other hand. SECTION 16 ENDORSEMENT OF SUBORDINATED NOTES; FURTHER ASSURANCES AND ADDITIONAL ACTS. (a) ENDORSEMENT OF SUBORDINATED NOTE. At the request of the Collateral Agent, the Subordinated Note and all other documents and instruments evidencing any of the Subordinated Debt shall be endorsed with a legend noting that the Subordinated Note and such other documents and instruments are subject to this Agreement, and the Creditor shall promptly deliver to the Collateral Agent evidence of the same. (b) FURTHER ASSURANCES AND ADDITIONAL ACTS. Each of the Creditor and the Borrower shall execute, acknowledge, deliver, file, notarize and register at its own expense all such further agreements, instruments, certificates, financing statements, documents and assurances, and perform such acts as the Collateral Agent or the Required Secured Parties shall deem necessary or appropriate to effectuate the purposes of this Agreement, and promptly 9. provide the Collateral Agent with evidence of the foregoing satisfactory in form and substance to the Collateral Agent and the Required Secured Parties. SECTION 17 NOTICES. All notices and other communications provided for hereunder shall, unless otherwise stated herein, be in writing (including by facsimile transmission) and shall be mailed, sent or delivered at or to the address or facsimile number of the respective party or parties set forth in the Credit Agreement or the Amended and Restated Note Purchase Agreement, as the case may be, or, in the case of the Creditor, at or to its address or facsimile number set forth on the signature pages hereof, or at or to such other address or facsimile number as such party or parties shall have designated in a written notice to the other party or parties. All such notices and communications shall be effective (i) if delivered by hand, when delivered; (ii) if sent by mail, upon the earlier of the date of receipt or five Business Days after deposit in the mail, first class (or air mail, with respect to communications to be sent to or from the United States), postage prepaid; and (iii) if sent by facsimile transmission, when sent. SECTION 18 NO WAIVER; CUMULATIVE REMEDIES. No failure on the part of the Collateral Agent or any Senior Lender to exercise, and no delay in exercising, any right, remedy, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, remedy, power or privilege preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. The rights and remedies under this Agreement are cumulative and not exclusive of any rights, remedies, powers and privileges that may otherwise be available to the Collateral Agent or any Senior Lender. SECTION 19 COSTS AND EXPENSES. (a) PAYMENTS BY BORROWER. The Borrower agrees to pay to the Collateral Agent and the Senior Lenders on demand the reasonable out-of-pocket costs and expenses of the Collateral Agent and the Senior Lenders, and the reasonable fees and disbursements of counsel to the Collateral Agent and the Senior Lenders (including allocated costs of internal counsel), in connection with the negotiation, preparation, execution, delivery and administration of this Agreement, and any amendments, modifications or waivers of the terms thereof. (b) PAYMENTS BY BORROWER AND CREDITOR. Each of the Borrower and the Creditor jointly and severally agrees to pay to the Collateral Agent on demand all costs and expenses of the Collateral Agent and the Senior Lenders, and the fees and disbursements of counsel (including allocated costs of internal counsel), in connection with the enforcement or attempted enforcement of, and preservation of rights or interests under, this Agreement, including any losses, costs and expenses sustained by the Collateral Agent and any Senior Lender as a result of any failure by the Creditor to perform or observe its obligations contained in this Agreement. SECTION 20 SURVIVAL. All covenants, agreements, representations and warranties made in this Agreement shall, except to the extent otherwise provided herein, survive the execution and delivery of this Agreement, and shall continue in full force and effect so long as any Senior Debt remains unpaid or the Senior Lenders have any Commitments. Without limiting the generality of the foregoing, the obligations of the Borrower and the Creditor under 10. Section 19 shall survive the satisfaction of the Senior Debt and the termination of the Commitments. SECTION 21 BENEFITS OF AGREEMENT. This Agreement is entered into for the sole protection and benefit of the parties hereto and their successors and assigns, and no other Person (other than any Person that becomes a Senior Lender after the date hereof) shall be a direct or indirect beneficiary of, or shall have any direct or indirect cause of action or claim in connection with, this Agreement. SECTION 22 BINDING EFFECT. This Agreement shall be binding upon, inure to the benefit of and be enforceable by the Borrower, the Creditor, the Collateral Agent and each Senior Lender and their respective successors and assigns. SECTION 23 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK. SECTION 24 SUBMISSION TO JURISDICTION. (a) SUBMISSION TO JURISDICTION. The Creditor hereby (i) submits to the non-exclusive jurisdiction of the courts of the State of New York and the Federal courts of the United States sitting in the State of New York for the purpose of any action or proceeding arising out of or relating to this Agreement, (ii) agrees that all claims in respect of any such action or proceeding may be heard and determined in such courts, (iii) irrevocably waives (to the extent permitted by applicable law) any objection which it now or hereafter may have to the laying of venue of any such action or proceeding brought in any of the foregoing courts, and any objection on the ground that any such action or proceeding in any such court has been brought in an inconvenient forum and (iv) agrees that a final judgment in any such action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner permitted by law. (b) APPOINTMENT OF PROCESS COLLATERAL AGENT. The Creditor hereby irrevocably appoints the Borrower (the "Process Collateral Agent"), as its authorized agent with all powers necessary to receive on its behalf service of copies of the summons and complaint and any other process which may be served in any action or proceeding arising out of or relating to this Agreement in any of the courts in and of the State of New York. Such service may be made by mailing or delivering a copy of such process to the Creditor in care of the Process Collateral Agent at the Process Collateral Agent's address, and the Creditor hereby irrevocably authorizes and directs the Process Collateral Agent to accept such service on its behalf and agrees that the failure of the Process Collateral Agent to give any notice of any such service to the Creditor shall not impair or affect the validity of such service or of any judgment rendered in any action or proceeding based thereon. As an alternative method of service, the Creditor also irrevocably consents to the service of any and all process in any such action or proceeding by the mailing of copies of such process to the Creditor at its address specified in Section 17. If for any reason the Borrower shall cease to act as Process Collateral Agent, the Creditor shall appoint forthwith, in the manner provided for herein, a successor Process Collateral Agent qualified to act as an 11. Collateral Agent for service of process with respect to all courts in and of the State of New York and acceptable to the Collateral Agent. (c) NO LIMITATION. Nothing in this Section 24 shall affect the right of the Collateral Agent or the Senior Lenders to serve legal process in any other manner permitted by law or limit the right of the Collateral Agent or the Senior Lenders to bring any action or proceeding against the Creditor or its property in the courts of other jurisdictions. SECTION 25 ENTIRE AGREEMENT; AMENDMENTS AND WAIVERS. (a) ENTIRE AGREEMENT. This Agreement constitutes the entire agreement of the Borrower, the Senior Lenders, the Collateral Agent and the Creditor with respect to the matters set forth herein and supersedes any prior agreements, commitments, drafts, communications, discussions and understandings, oral or written, with respect thereto. There are no conditions to the full effectiveness of this Agreement. (b) AMENDMENTS AND WAIVERS. No amendment to any provision of this Agreement shall in any event be effective unless the same shall be in writing and signed by the Borrower, the Creditor, the Collateral Agent and the Required Secured Parties (or the Collateral Agent with the written consent of the Required Secured Parties); and no waiver of any provision of this Agreement, or consent to any departure by the Borrower or the Creditor therefrom, shall in any event be effective unless the same shall be in writing and signed by the Collateral Agent and the Required Secured Parties (or the Collateral Agent with the consent of the Required Secured Parties). Any such amendment, waiver or consent shall be effective only in the specific instance and for the specific purpose for which given. SECTION 26 CONFLICTS. In case of any conflict or inconsistency between any terms of this Agreement, on the one hand, and the Note Purchase Agreement, the Subordinated Note or any other document or instrument relating to the Subordinated Debt, on the other hand, then the terms of this Agreement shall control. SECTION 27 SEVERABILITY. Whenever possible, each provision of this Agreement shall be interpreted in such manner as to be effective and valid under all applicable laws and regulations. If, however, any provision of this Agreement shall be prohibited by or invalid under any such law or regulation in any jurisdiction, it shall, as to such jurisdiction, be deemed modified to conform to the minimum requirements of such law or regulation, or, if for any reason it is not deemed so modified, it shall be ineffective and invalid only to the extent of such prohibition or invalidity without affecting the remaining provisions of this Agreement or the validity or effectiveness of such provision in any other jurisdiction. SECTION 28 INTERPRETATION. This Agreement is the result of negotiations between, and have been reviewed by counsel to, the Collateral Agent, the Senior Lenders, the Creditor, the Borrower and other parties, and is the product of all parties hereto. Accordingly, this Agreement shall not be construed against any of the Senior Lenders or the Collateral Agent merely because of the Collateral Agent's or any Senior Lender's involvement in the preparation thereof. 12. SECTION 29 COUNTERPARTS. This Agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute but one and the same agreement. SECTION 30 TERMINATION OF AGREEMENT. Upon payment in cash and performance in full of the Senior Debt and the termination of the Commitments, this Agreement shall terminate and the Collateral Agent and the Senior Lenders shall promptly execute and deliver to the Borrower and the Creditor such documents and instruments as shall be necessary to evidence such termination; PROVIDED, HOWEVER, that the obligations of the Borrower and the Creditor under Section 19 shall survive such termination. [SIGNATURES FOLLOW.] 13. IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the date first above written. THE COLLATERAL AGENT COOPERATIEVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH, as Collateral Agent By ___________________________________ Title: By ___________________________________ Title: THE SENIOR LENDERS COOPERATIEVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A., "RABOBANK INTERNATIONAL", NEW YORK BRANCH By ___________________________________ Title: By ___________________________________ Title: FARM CREDIT WEST FLCA By ___________________________________ Title: U.S. BANK NATIONAL ASSOCIATION By ___________________________________ Title: 14. COMERICA BANK-CALIFORNIA By ___________________________________ Title: AGSTAR FINANCIAL SERVICES, PCA, D/B/A FARM CREDIT SERVICES COMMERCIAL FINANCE GROUP By ___________________________________ Title: FARM CREDIT SERVICE OF AMERICA, PCA By ___________________________________ Title: THE CREDITOR SFI Intermediate Limited By ___________________________________ Title: Address: ______________________________________ ______________________________________ ______________________________________ Attn: ________________________________ Fax No._______________________________ THE BORROWER THE CHALONE WINE GROUP, LTD. By ___________________________________ Title: 15. Schedule 1 to Subordination Agreement "SENIOR LENDERS" A. Senior Lenders party to the Credit Agreement: 1. Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch, as Issuing Lender, as Swingline Lender, as a Lender and as Agent 2. Farm Credit West FLCA 3. U.S. Bank National Association 4. Comerica Bank - California 5. Each other Person from time to time party to the Credit Agreement as a "Lender" thereunder. B. Senior Lenders party to the Amended and Restated Note Purchase Agreement. 1. Agstar Financial Services, PCA, d/b/a Farm Credit Services Commercial Finance Group 2. Farm Credit Services of America, PCA 3. Each other Person from time to time party to the Amended and Restated Note Purchase Agreement as a "Purchaser" thereunder. C. Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., "Rabobank International", New York Branch, as Collateral Agent 16. REGISTRATION RIGHTS AGREEMENT THIS REGISTRATION RIGHTS AGREEMENT (this "AGREEMENT") is entered into as of ____________, 2002 by and between The Chalone Wine Group, Ltd., a California corporation (the "COMPANY"), and SFI Intermediate Limited, a ____________ ("SFI") and Les Domaines Baron de Rothschild (Lafite), a French company ("DBR"). DBR and SFI are individually referred to herein as a "PURCHASER" and collectively as the "PURCHASERS." RECITALS In order to induce the Purchasers to enter into the Convertible Note Purchase Agreement of even date herewith between the Company and the Purchasers, the Company has agreed to provide the registration rights provided for in this Agreement. The execution of this Agreement is a condition to the closing of the transactions contemplated by the Convertible Purchase Agreement. NOW, THEREFORE, the parties agree as follows: Section 1: CERTAIN DEFINITIONS. For purposes of this Agreement, the following terms shall have the following respective meanings: 1.1 "APPLICABLE REGISTRATION STATEMENT" shall have the meaning assigned thereto in SECTION 5.2 hereof. 1.2 "COMMISSION" shall mean the Securities and Exchange Commission, or any other federal agency at the time administering the Exchange Act or the Securities Act, whichever is the relevant statute for the particular purpose. 1.3 "COMMON STOCK" shall mean the common stock of the Company, no par value, or any other capital stock of the Company into which such stock is reclassified or reconstituted. 1.4 "CONVERTIBLE NOTES" shall mean the subordinated convertible notes of the Company to be issued and sold to the Purchasers pursuant to the Purchase Agreement and any convertible notes issued in exchange therefor or in lieu thereof. 1.5 "DEMAND MANAGING UNDERWRITER" shall have the meaning assigned thereto in SECTION 5.4 hereof. 1.6 "DEMAND REGISTRABLE SECURITIES" shall have the meaning assigned thereto in SECTION 2 hereof. 1.7 "DEMAND REGISTRATION STATEMENT" shall have the meaning assigned thereto in SECTION 2 hereof. 1.8 "DEMAND REQUEST" shall have the meaning assigned thereto in SECTION 2 hereof. 1.9 "EXCHANGE ACT" shall mean the Securities Exchange Act of 1934, or any successor thereto, as the same shall be amended from time to time. 1. 1.10 "PERSON" shall mean a corporation, association, partnership, limited liability company, organization, business, individual, government or political subdivision thereof or governmental agency. 1.11 "PIGGYBACK MARKET CUT-BACK" shall have the meaning assigned thereto in SECTION 4.3 hereof. 1.12 "PIGGYBACK REGISTRABLE SECURITIES" shall have the meaning assigned thereto in SECTION 4.1 hereof. 1.13 "PIGGYBACK REGISTRATION STATEMENT" shall have the meaning assigned thereto in SECTION 4.1 hereof. 1.14 "PIGGYBACK REQUEST" shall have the meaning assigned thereto in SECTION 4.1 hereof. 1.15 "PIGGYBACK UNDERWRITING AGREEMENT" shall have the meaning assigned thereto in SECTION 4.2 hereof. 1.16 "PURCHASE AGREEMENT" means the Convertible Note Purchase Agreement of even date herewith between the Company and the Purchasers. 1.17 "REGISTRABLE SECURITIES" means the Shares and any securities issued in respect of the foregoing as a result of any stock split, stock dividend, recapitalization or similar transaction. 1.18 "REGISTRATION EXPENSES" shall have the meaning assigned thereto in SECTION 6 hereof. 1.19 "S-3 REGISTRATION STATEMENT" shall have the meaning assigned thereto in SECTION 3 hereof. 1.20 "S-3 INITIATING HOLDERS" shall have the meaning assigned thereto in SECTION 3 hereof. 1.21 "SECURITIES ACT" shall mean the Securities Act of 1933, or any successor thereto, as the same shall be amended from time to time. 1.22 "SHARES" means the shares of Common Stock issued or issuable upon conversion of the Convertible Notes. 1.23 "SUSPENSION CONDITION" shall have the meaning assigned thereto in SECTION 5.5 hereof. Section 2: DEMAND REGISTRATION. If at any time prior to the fifth anniversary of the date of this Agreement the Company shall receive from a Purchaser a written request (a "DEMAND REQUEST") that the Company register on Form S-1, Form S-2 or any successor form of registration under the Securities Act, or, if available, on Form S-3 or any successor form of registration under the Securities Act (or if such form is not available, any registration statement 2 form then available to the Company) Registrable Securities, then the Company shall (a) promptly given written notice to the other Purchaser of the Demand request and (b) prepare and file with the Commission as soon as practicable, but in no event later than forty-five (45) days after receipt of such Demand Request, a registration statement (a "DEMAND REGISTRATION STATEMENT") to effect such registration. The Company shall use its best efforts to cause the Registrable Securities specified in such Demand Request, together with all of such portion of the Registrable Securities of the other Purchaser joining in such request as are specified in a written request within 10 days after receipt of such written notice from the Company, (collectively, the "DEMAND REGISTRABLE SECURITIES") to become or be declared effective as soon as practicable. The Company shall provide copies of all correspondence to, and from, the Commission within twenty-four (24) hours after receipt, or delivery, as the case may be, of any such correspondence. Each such Demand Request shall: (a) include an initial request to register Registrable Securities having an aggregate offering value of not less than the lesser of all of the Registrable Securities then owned by the Purchaser or $5 million (or Registrable Securities having an aggregate offering value of not less than $5 million when combined with a concurrent Demand Request from the other Purchaser); (b) specify the number of Demand Registrable Securities intended to be offered and sold by the Purchaser pursuant thereto; (c) express the present intention of the Purchaser to offer or cause the offering of such Demand Registrable Securities pursuant to such Demand Registration Statement, (d) describe the nature or method of distribution of such Demand Registrable Securities pursuant to such Demand Registration Statement (including, in particular, whether the Purchaser plans to effect such distribution by means of an underwritten offering); (e) identify the proposed Demand Managing Underwriter, if any; and (f) contain the undertaking of the Purchaser to provide all such information and materials and take all such actions as may be required in order to permit the Company to comply with all applicable requirements of the Securities Act, the Exchange Act and the rules and Regulations of the Commission thereunder, and to obtain any desired acceleration of the effective date of such Demand Registration Statement. Section 3: FORM S-3 REGISTRATION. If the Company is eligible to use Form S-3 under the Securities Act (or any similar successor form) and shall receive from a Purchaser and its permitted transferees (the "S-3 INITIATING HOLDERS") a written request or requests that the Company effect a registration on such Form S-3 pursuant to Rule 415 of the Securities Act and any related qualification or compliance with respect to all or part of the Registrable Securities owned by the S-3 Initiating Holders and its permitted transferees (provided that the S-3 Initiating Holders registering Registrable Securities in such registration together with all other holders of Registrable Securities to be included in such registration propose to sell their Registrable Securities at an aggregate price to the public (net of any underwriters' discounts or commissions) of no less than $1,000,000), the Company shall then (a) promptly given written notice to the other Purchaser of the proposed registration and (b) prepare and file with the Commission as soon as practicable, but in no event later than forty-five (45) days after receipt of such request, a registration statement (a "S-3 REGISTRATION STATEMENT") to effect such registration. No registration requested by any S-3 Initiating Holders pursuant to this SECTION 3 shall be deemed a registration pursuant to SECTION 2. Notwithstanding the foregoing, the Company shall not be obligated to effect a registration on From S-3 pursuant to this SECTION 3 within 180 days after the effective date of a registration statement subject to SECTION 4 or if the Company has, within the 12 month period preceding a request already effected two registrations on Form S-3 pursuant to this SECTION 3 3 Section 4: PIGGYBACK REGISTRATION. 4.1 If at any time from and after the date hereof, the Company shall determine to register any of its securities, whether for sale for its own account or for the account of any other Person, other than registration statements relating to (i) employee, consultant or distributor compensation or incentive arrangements, including employee benefit plans, or (ii) acquisitions or any transaction or transactions under Rule 145 under the Securities Act or any successor rule with similar effect, then the Company will promptly give the Purchasers written notice thereof and include in such registration statement (a "PIGGYBACK REGISTRATION STATEMENT") and in any underwriting involved therein, all Registrable Securities (the "PIGGYBACK REGISTRABLE SECURITIES") specified in a written request made by each Purchaser (a "PIGGYBACK REQUEST") within 10 (ten) business days (or such later time as the underwriters may allow in writing) after receipt of such written notice from the Company. 4.2 If the Piggyback Registration Statement of which the Company gives notice is for an underwritten offering or the Company proposes to do an underwritten take down from an unallocated or universal shelf registration, the Company shall so advise the Purchasers as a part of the written notice given pursuant to SECTION 4.1. In such event, the right of a Purchaser to registration pursuant to this SECTION 4 (or to participate in an underwritten take down in the case of an unallocated or universal shelf registration) shall be conditioned upon the agreement of the Purchaser to participate in such underwriting and in the inclusion of such Piggyback Registrable Securities in the underwriting to the extent provided herein. The Purchasers shall (together with the Company and any other holders distributing securities in such Piggyback Registration Statement, if any) enter into an underwriting agreement (the "PIGGYBACK UNDERWRITING AGREEMENT") in customary form with the underwriter or underwriters selected for such underwriting by the Company. If a Purchaser disapproves of the terms of any such underwriting, it may elect to withdraw therefrom by written notice to the Company and the managing underwriters. Any Piggyback Registrable Securities excluded from such underwriting shall be excluded from such Piggyback Registration Statement. 4.3 Notwithstanding any other provision of this Agreement, if the managing underwriters of any underwritten offering pursuant to a Piggyback Request determine, in their sole discretion that, after including all the shares proposed to be offered by the Company and all the shares of any other Persons entitled to registration rights with respect to such Piggyback Registration Statement (pursuant to other agreements with the Company), marketing factors require a limitation of the number of Piggyback Registrable Securities to be underwritten (a "PIGGYBACK MARKET CUT-BACK"), the Company shall include in the registration (i) in the event that such registration is on behalf of shareholders of the Company having demand registration rights under other agreements with the Company (A) first, the securities requested to be registered by such other shareholders, and (B) second, the Piggyback Registrable Securities requested to be included in the registration and securities, if any, requested to be included by others having these rights, pro rata among the holders of Piggyback Registrable Securities which are to be registered and sold pursuant to the Piggyback Registration Statement and others exercising these rights, on the basis of the number of securities requested to be included by the holders of such Piggyback Registrable Securities and the others exercising these rights; and (ii) in the event that such registration is on behalf of the Company, (A) first, the securities that the Company proposes to sell, (B) second, the Piggyback Registrable Securities requested to be 4 included in the registration and securities, if any, requested to be included by others having these rights, pro rata among the holders of the Piggyback Registrable Securities which are to be registered and sold pursuant to such Piggyback Registration Statement and others exercising these rights, on the basis of the number of the Piggyback Registrable Securities requested to be included by holders of such Piggyback Registrable Securities, and others exercising these rights; provided, however, in no event shall the amount of Piggyback Registrable Securities of the Purchasers included in the underwriting on behalf of the Company (together with any other securities of the Purchasers being included in the underwriting pursuant to other agreements with the Company) be reduced below thirty percent (30%) of the total amount of securities included in such offering. 4.4 Except to the extent specifically provided in this SECTION 4 hereof, the procedures to be followed by the Company and the Purchasers, and the respective rights and obligations of the Company and the Purchasers, with respect to the distribution of any Piggyback Registrable Securities by the Purchasers pursuant to any Piggyback Registration Statement filed by the Company shall be as set forth in the Piggyback Underwriting Agreement, or any other agreement or agreements governing the distribution of such Piggyback Registrable Securities pursuant to such Piggyback Registration Statement. 4.5 Notwithstanding the foregoing, however, nothing in this SECTION 4, or any other provision of this Agreement, shall be construed to limit the absolute right of the Company, for any reason and in its sole discretion (i) to delay, suspend or terminate the filing of any Piggyback Registration Statement; (ii) to delay the effectiveness of any Piggyback Registration Statement; or (iii) to withdraw such Piggyback Registration Statement. Section 5: DEMAND REGISTRATION AND S-3 REGISTRATION PROCEDURES, RIGHTS AND OBLIGATIONS. The procedures to be followed by the Company and the Purchasers, and the respective rights and obligations of the Company and the Purchasers, with respect to the preparation, filing and effectiveness of Demand Registration Statements and S-3 Registration Statements, respectively, and the distribution of Demand Registrable Securities and Registrable Securities, respectively, pursuant thereto, are as follows: 5.1 A Purchaser shall not be entitled to make more than two (2) Demand Requests; provided, however, that if any Demand Request: (i) does not result in the corresponding Demand Registration Statement being declared effective by the Commission; (ii) is withdrawn by the Purchaser following the imposition of an order by the Commission with respect to the corresponding Demand Registration Statement; (iii) is withdrawn by the Purchaser as a result of the exercise by the Company of its suspension rights pursuant to this SECTION 5; or (iv) is withdrawn if the Purchaser shall have learned of a material adverse change in the condition, business or prospects of the Company different than that known to the Purchaser at the time the Purchaser shall have initiated the Demand Request (other than a decline in the Company's stock price since such time unless, however, the Purchaser agrees to pay, or otherwise reimburse the Company, for all Registration Expenses) that makes the proposed offering unreasonable in the good faith judgment of the Purchaser, then such Demand Request in the event of any of (i) through (iv) shall not count as a Demand Request for any purpose. A Purchaser shall not make more than one (1) Demand Request within any 180-day period. Any Demand Request that is 5 withdrawn by a Purchaser for any reason other than as set forth in the previous sentence shall count as a Demand Request. 5.2 The Company shall use its best efforts to maintain the effectiveness of each Demand Registration Statement and S-3 Registration Statement (each an "APPLICABLE REGISTRATION STATEMENT") until the earliest to occur of: (i) the sale or other disposition of all of the Registrable Securities registered on the Applicable Registration Statement and (ii) one hundred twenty (120) days after the effective date of any such Applicable Registration Statement. 5.3 The Company shall prepare and file with the Commission such amendments and supplements to each Applicable Registration Statement and each prospectus used in connection therewith as may be necessary to make and to keep such Applicable Registration Statement effective and to comply with the provisions of the Securities Act with respect to the sale or other disposition of all Registrable Securities proposed to be distributed pursuant to such Applicable Registration Statement until the earliest to occur of: (i) the sale or other disposition of all such Registrable Securities so registered and (ii) one hundred twenty (120) days after the effective date of any such Applicable Registration Statement. 5.4 In connection with any underwritten offering pursuant to a Demand Registration Statement, the Purchaser holding a majority of the Registrable Securities being registered by the Purchasers pursuant to the Demand Request shall select one investment banking firm to serve as manager of such offering which must be reasonably acceptable to the Company. The manager is hereinafter referred to as the "DEMAND MANAGING UNDERWRITER." The Company shall, together with the Purchasers, enter into an underwriting agreement with the Demand Managing Underwriter, which agreement shall contain representations, warranties, indemnities and agreements then customarily included by an issuer in underwriting agreements with respect to secondary distributions under demand registration statements or shelf registration statements, as the case may be, and shall stipulate that the Demand Managing Underwriter will receive commissions and fees and other remuneration in connection with the distribution of any Demand Registrable Securities or Registrable Securities thereunder. 5.5 Notwithstanding any other provision of this Agreement, in the event that the Company determines that: (i) non-public material information regarding the Company exists, the immediate disclosure of which would be significantly disadvantageous to the Company; (ii) the prospectus constituting a part of any Applicable Registration Statement covering the distribution of any Registrable Securities contains an untrue statement of a material fact or omits to state a material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading; or (iii) an offering of Registrable Securities would materially interfere with any proposed material acquisition, disposition or other similar corporate transaction or event involving the Company (each of the events or conditions referred to in clauses (i), (ii) and (iii) of this sentence is hereinafter referred to as a "SUSPENSION CONDITION"), then the Company shall have the right to suspend the filing or effectiveness of any Applicable Registration Statement or any distribution of Registrable Securities thereunder for so long as such Suspension Condition exists; provided that the Company shall have suspended the filing or effectiveness of all other registration statements registering securities for the account of the Company or any other Person or suspended the 6 distribution of any securities under such registration statements; provided, further, that in the case of (ii) above, the Company shall be obligated to use its best efforts to amend the Applicable Registration Statement to correct such material misstatement or omission in such registration statement and related prospectus as promptly as practicable; and, provided, further, that the Company shall not have the right to suspend the filing or effectiveness of any Applicable Registration Statement or any distribution of Registrable Securities thereunder within six (6) months after the termination of a Purchaser Lockup as provided in SECTION 5.15 below. The Company will as promptly as practicable provide written notice to the Purchasers when a Suspension Condition arises and when it ceases to exist. Upon receipt of notice from the Company of the existence of any Suspension Condition, each Purchaser shall after receipt of such notice discontinue efforts to: (i) file or cause any Applicable Registration Statement to be declared effective by the Commission (in the event that such Applicable Registration Statement has not been filed, or has been filed but not declared effective, at the time the Purchaser receives notice that a Suspension Condition has arisen); or (ii) offer or sell Registrable Securities (in the event that such Applicable Registration Statement has been declared effective at the time the Purchaser receives notice that a Suspension Condition has arisen). In the event that a Purchaser had previously commenced or was about to commence the distribution of Registrable Securities pursuant to a prospectus under an effective Applicable Registration Statement, then the Company shall, as promptly as practicable after the Suspension Condition ceases to exist, make available to the Purchaser (and to each underwriter, if any, participating in such distribution) an amendment or supplement to such prospectus. 5.6 Notwithstanding any other provision of this Agreement, the Company shall not be permitted to postpone (i) the filing or effectiveness of any Applicable Registration Statement or (ii) the distribution of any Registrable Securities pursuant to an effective Demand Registration more than two (2) times in any 360 day period, and the aggregate of such suspensions may not exceed a total of sixty (60) days in any 360 day period. 5.7 The Company shall promptly notify the Purchasers of any stop order issued or, to the Company's knowledge, threatened, to be issued by the Commission with respect to any Applicable Registration Statement and will use its best efforts to prevent the entry of such stop order or to remove it if entered at the earliest possible date. 5.8 The Company shall furnish to the Purchasers (and any underwriter in connection with any underwritten offering) such number of copies of any prospectus (including any preliminary prospectus and any amended or supplemented prospectus), in conformity with the requirements of the Securities Act, as the Purchasers (and such underwriters) shall reasonably request in order to effect the offering and sale of any or the Registrable Securities to be offered and sold, but only while the Company shall be required under the provisions hereof to cause the Applicable Registration Statement pursuant to which such Registrable Securities are intended to be distributed to remain current. 5.9 The Company shall use its best efforts to register or qualify the Registrable Securities covered by each Applicable Registration Statement under the state securities or "blue sky" laws of such states as the Purchasers shall reasonably request and to maintain any such registration or qualification current, until the earliest to occur of: (i) the sale of all such Registrable Securities so registered and (ii) one hundred twenty (120) days after the effective 7 date of any such Applicable Registration Statement; provided, however, that the Company shall not be required to take any action that would subject it to the general jurisdiction of the courts of any jurisdiction in which it is not so subject or to qualify as a foreign corporation in any jurisdiction where the Company is not so qualified. 5.10 The Company shall furnish to each Purchaser and to each underwriter engaged in an underwritten offering of Registrable Securities a signed counterpart, addressed to such Purchaser or such underwriter, of (i) an opinion or opinions of counsel to the Company (with respect to the Company and securities law compliance by the Company) and (ii) a comfort letter or comfort letters from the Company's independent public accountants, each in customary form and covering such matters of the type customarily covered by opinions or comfort letters, as the case may be, as the Purchasers or the managing underwriters may reasonably request. 5.11 The Company shall use its best efforts to make appropriate members of its management reasonably available for due diligence purposes, "road show" presentations and analyst presentations in connection with any distributions of Demand Registrable Securities pursuant to a Demand Registration Statement. 5.12 The Company shall use its best efforts to cause all Registrable Securities to be listed on each securities exchange on which similar securities of the Company are then listed, or, if the Company does not have a class of equity securities listed on a national securities exchange, apply for qualification and use its best efforts to qualify the Registrable Securities being registered for inclusion on the Nasdaq Stock Market. 5.13 The Company shall provide, in connection with the filing of a registration statement pursuant to this Agreement, a transfer agent and registrar for all Registrable Securities registered thereunder and a CUSIP number for all such Registrable Securities not later than the effective date of such registration. 5.14 The Company shall take all such other actions either reasonably necessary or desirable to permit the Registrable Securities held by the Purchasers to be registered and disposed of in accordance with the methods of disposition described herein. 5.15 A Purchaser shall not effect any public sale or distribution (including sales pursuant to Rule 144) of equity securities of the Company, or any securities convertible into or exchangeable or exercisable for equity securities of the Company, during the five (5) days prior to, and the sixty (60)-day period beginning on the effective date of any registration statement covering the offer and sale of Common Stock for the Company's account having aggregate proceeds to the Company of not less than $20,000,000 in which the Purchaser was able to register 50% of the Registrable Securities proposed by the Purchaser to be included in such registration, unless the underwriters managing the public offering otherwise agree to allow such sales or distributions (such restriction on the Purchaser, the "PURCHASER LOCKUP"). Section 6: REGISTRATION EXPENSES.The Company agrees to bear and to pay or cause to be paid promptly upon request being made therefor all expenses incident to the Company's performance of or compliance with this Agreement, including, without limitation, (i) all Commission and any NASD registration and filing fees and expenses, (ii) all fees and expenses 8 in connection with the qualification of the Registrable Securities for offering and sale under any state securities and blue sky laws, including reasonable fees and disbursements of counsel for the placement or sales agent or underwriters in connection with such qualifications, (iii) all fees and expenses in connection with the approval for trading of the Shares or other shares of Common Stock on the Nasdaq National Market or other appropriate exchange, (iv) all expenses relating to the preparation, printing, distribution and reproduction of each registration statement required to be filed hereunder, each prospectus included therein or prepared for distribution pursuant hereto, each amendment or supplement to the foregoing, the certificates representing the Registrable Securities and all other documents relating hereto, (v) internal expenses (including, without limitation, all salaries and expenses of the Company's officers and employees performing legal or accounting duties), and (vi) fees, disbursements and expenses of counsel and independent certified public accountants of the Company (including the expenses of any opinions or "cold comfort" letters required by or incident to such performance and compliance) (collectively, the "REGISTRATION EXPENSES"). Notwithstanding the foregoing, the Purchasers shall pay all underwriting discounts and commissions attributable to the sale of the Registrable Securities and the fees and disbursements of any counsel or other advisors or experts retained by the Purchasers. Section 7: REPRESENTATIONS AND WARRANTIES. The Company represents and warrants to, and agrees with, each Purchaser that: 7.1 Each registration statement covering Registrable Securities and each prospectus (including any preliminary or summary prospectus) contained therein and any further amendments or supplements to any such registration statement or prospectus, when it becomes effective or is filed with the Commission, as the case may be, and, in the case of an underwritten offering of Registrable Securities, at the time of the closing under the underwriting agreement relating thereto will conform in all material respects to the requirements of the Securities Act, and will not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading in light of the circumstances in which they were made; and at all times subsequent to the Effective Time when a prospectus would be required to be delivered under the Securities Act, other than from (i) such time as a notice has been given to the Purchaser pursuant to SECTION 5.5 hereof until (ii) such time as the Company furnishes an amended or supplemented prospectus pursuant to SECTION 5.5 hereof, each such registration statement, and each prospectus (including any summary prospectus) contained therein or furnished pursuant to SECTION 5.5 hereof, as then amended or supplemented, will conform in all material respects to the requirements of the Securities Act, and will not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading in the light of the circumstances then existing; provided, however, that this representation and warranty shall not apply to any statements or omissions made in reliance upon and in conformity with information furnished in writing to the Company by the Purchaser expressly for use therein. 7.2 Any documents incorporated by reference in any prospectus prepared pursuant to this Agreement, when they become or became effective or are or were filed with the Commission, or if amended, when amended, as the case may be, will conform or conformed in all material respects to the requirements of the Exchange Act, and none of such documents will contain or contained an untrue statement of a material fact or will omit or omitted to state a 9 material fact required to be stated therein or necessary to make the statements therein not misleading in light of the circumstances in which they were made; provided, however, that this representation and warranty shall not apply to any statements or omissions made in reliance upon and in conformity with information furnished in writing to the Company by the Purchaser expressly for use therein. Section 8: INDEMNIFICATION. 8.1 INDEMNIFICATION BY THE COMPANY. Upon the registration of Registrable Securities pursuant to this Agreement, and in consideration of the agreements of each Purchaser contained herein, and as an inducement to each Purchaser to purchase the Convertible Notes, the Company shall, and it hereby agrees to, indemnify and hold harmless each Purchaser and its officers, directors, partners, employees, representatives, underwriters and agents and each control person (as defined in Section 15 of the Exchange Act) against any losses, claims, damages or liabilities, joint or several, to which the Purchaser or any of its officers, directors, partners, employees, representatives, underwriters and agents and each control person may become subject under the Securities Act or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon an untrue statement or alleged untrue statement of a material fact contained in any registration statement under which such Registrable Securities were registered under the Securities Act pursuant to this Agreement, or any preliminary, final or summary prospectus contained therein or furnished by the Company to the Purchaser, any officer, director, partner, employee, representative, underwriter or agent or control person, or any amendment or supplement thereto, or arise out of or are based upon the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading in light of the circumstances in which they were made, and the Company shall, and it hereby agrees to, reimburse the Purchaser, any officer, director, partner, employee, representative, underwriter or agent or control person for any legal or other expenses reasonably incurred by them in connection with investigating or defending any such action or claim as such expenses are incurred; provided, however, that the Company shall not be liable to any such person in any such case to the extent that any such loss, claim, damage or liability arises out of or is based upon an untrue statement or alleged untrue statement or omission or alleged omission made in such registration statement, or preliminary, final or summary prospectus, or amendment or supplement in reliance upon and in conformity with written information furnished to the Company by such person expressly for use therein or is caused by the Purchaser's failure to deliver a copy of the registration statement or prospectus, or any supplement or amendment of which it is aware. 8.2 INDEMNIFICATION BY THE PURCHASERS. In connection with any registration statement pursuant to which a Purchaser sold or offered for sale Registrable Securities, the Purchaser agrees to (i) indemnify and hold harmless the Company and its officers, directors, employees, representatives, underwriter and agents and each control person against any losses, claims, damages or liabilities to which the Company may become subject, under the Securities Act or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon an untrue statement or alleged untrue statement of a material fact contained in such registration statement, or any preliminary, final or summary prospectus contained therein or furnished by the Company to the Purchaser, any officer, director, partner, employee, representative, underwriter or agent or control person, or any amendment or 10 supplement thereto, or arise out of or are based upon the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading in light of the circumstances in which they were made, in each case to the extent, but only to the extent, that such untrue statement or alleged untrue statement or omission or alleged omission was made in reliance upon and in conformity with written information furnished to the Company by the Purchaser or its officers, directors, partners, employees representatives, or agents expressly for use therein, and (ii) reimburse the Company for any legal or other expenses reasonably incurred by the Company in connection with investigating or defending any such action or claim as such expenses are incurred; provided that in no event shall any indemnity under this subsection exceed the gross proceeds from such offering received by the Purchaser. 8.3 NOTICES OF CLAIMS, ETC. Promptly after receipt by an indemnified party under SECTION 8.1 or SECTION 8.2 above of written notice of the commencement of any action, such indemnified party shall, if a claim in respect thereof is to be made against an indemnifying party pursuant to the indemnification provisions of or contemplated by this SECTION 8, notify such indemnifying party in writing of the commencement of such action; but the failure so to notify the indemnifying party shall not relieve it from any liability which it may have to any indemnified party other than under the indemnification provisions of or contemplated by SECTION 8.1 or SECTION 8.2 hereof and only to the extent of prejudice caused by such failure. In case any such action shall be brought against any indemnified party and it shall notify an indemnifying party of the commencement thereof, such indemnifying party shall be entitled to participate therein and, to the extent that it shall wish, jointly with any other indemnifying party similarly notified, to assume the defense thereof, with counsel satisfactory to such indemnified party and, after notice from the indemnifying party to such indemnified party of its election so to assume the defense and costs of investigation thereof, such indemnifying party shall not be liable to such indemnified party for any legal expenses of other counsel or any other expenses, in each case subsequently incurred by such indemnified party, in connection with the defense thereof. 8.4 CONTRIBUTION. If the indemnification provided for in this SECTION 8 is held by a court of competent jurisdiction to be unavailable to or insufficient to hold harmless an indemnified party in respect of any losses, claims, damages or liabilities (or actions in respect thereof) referred to therein, then each indemnifying party shall contribute to the amount paid or payable by such indemnified party as a result of such losses, claims, damages or liabilities (or actions in respect thereof) in such proportion as is appropriate to reflect the relative fault of the indemnifying party and the indemnified party in connection with the statements or omissions which resulted in such losses, claims, damages or liabilities (or actions in respect thereof), as well as any other relevant equitable considerations. The relative fault of such indemnifying party and indemnified party shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or omission or alleged omission to state a material fact relates to information supplied by such indemnifying party or by such indemnified party, and the parties' relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission. The parties hereto agree that it would not be just and equitable if contributions pursuant to this SECTION 8.4 were determined by pro rata allocation (even if the Purchasers or any agents or underwriters or all of them were treated as one entity for such purpose) or by any other method of allocation which does not take account of the equitable considerations referred to in this SECTION 8.4. The amount paid or payable by an indemnified 11 party as a result of the losses, claims, damages, or liabilities (or actions in respect thereof) referred to above shall be deemed to include any legal or other fees or expenses reasonably incurred by such indemnified party in connection with investigating or defending any such action or claim. Notwithstanding the provisions of this SECTION 8.4, a Purchaser shall not be required to contribute any amount in excess of the amount by which the dollar amount of the proceeds received by the Purchaser from the sale of any Registrable Securities (after deducting any fees, discounts and commissions applicable thereto) exceeds the amount of any damages which the Purchaser may have otherwise been required to pay by reason of such untrue or alleged untrue statement or omission or alleged omission, and no underwriter shall be required to contribute any amount in excess of the amount by which the total price at which the Registrable Securities underwritten by it and distributed to the public were offered to the public exceeds the amount of any damages which such underwriter has otherwise been required to pay by reason of such untrue or alleged untrue statement or omission or alleged omission. No person guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Securities Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. The obligations of the Purchasers and any underwriters in this SECTION 8.4 to contribute shall be several in proportion to the principal amount of Registrable Securities registered or underwritten, as the case may be, by them and not joint. 8.5 The obligations of the Company under this SECTION 8 shall be in addition to any liability which the Company may otherwise have; and the obligations of the Purchasers and any agents and underwriters contemplated by this SECTION 8 shall be in addition to any liability which the Purchasers may otherwise have. 8.6 Notwithstanding the foregoing, to the extent that the provisions on indemnification and contribution contained in an underwriting agreement entered into by the Purchasers are in conflict with the foregoing provisions, the provisions of such underwriting agreement shall control. Section 9: MISCELLANEOUS. 9.1 ENTIRE AGREEMENT. This Agreement and the other writings referred to herein or delivered pursuant hereto which form a part hereof contain the entire understanding of the parties with respect to its subject matter. This Agreement supersedes all prior agreements and understandings between the parties with respect to its subject matter. 9.2 NO INCONSISTENT AGREEMENTS. The Company represents, warrants, covenants and agrees that it has not granted, and shall not grant, registration rights with respect to shares of Common Stock or any other securities which would be inconsistent with the terms contained in this Agreement. 9.3 SPECIFIC PERFORMANCE.The parties hereto acknowledge that there may be no adequate remedy at law if any party fails to perform any of its obligations hereunder and that each party may be irreparably harmed by any such failure, and accordingly agree that each party, in addition to any other remedy to which it may be entitled at law or in equity, shall be entitled to compel specific performance of the obligations of any other party under this Agreement 12 in accordance with the terms and conditions of this Agreement, in any court of the United States or any State thereof having jurisdiction. 9.4 AMENDMENTS AND WAIVERS. This Agreement may not be amended or terminated, or any right or obligation hereunder waived, other than by a written instrument signed by the party against whom enforcement of such amendment, termination or waiver is sought. 9.5 GOVERNING LAW. Except for applicable federal securities laws this Agreement shall be governed in all respects by the laws of the State of California. 9.6 COUNTERPARTS. This Agreement may be signed in any number of counterparts with the same effect as if the signatures to each counterpart were upon a single instrument and is intended to be binding when all parties have delivered their signatures to the other parties. Signatures may be delivered by facsimile transmission. All counterparts shall be deemed an original of this Agreement. 9.7 HEADINGS. The table of contents and headings used herein are used for convenience only, are not part of this Agreement and shall not be considered in construing or interpreting this Agreement. 9.8 NOTICES. All notices, requests, consents and other communications required or permitted hereunder shall be in writing and will be effective (a) immediately upon delivery in person or by messenger, (b) the next business day after deposit with a commercial courier or delivery service for next day delivery, (c) upon receipt by facsimile as established by evidence of successful transmission or (d) three business days after deposit with the United States Postal Service, certified mail, return receipt requested, postage prepaid. All notices must be properly addressed as follows (or to such other address as a party may specify by notice in pursuant to this SECTION 8.8. (a) If to the Company: The Chalone Wine Group, Ltd. 621 Airpark Road Napa, CA 94558 Attention: Thomas Selfridge Facsimile No.: (707) 254-4204 with a copy to: Farella Braun + Martel LLP 235 Montgomery Street San Francisco, CA 94104 Attention: Daniel E. Cohn, Esq. Facsimile No.: (415) 954-4480 13 If to DBR: _______________________________ _______________________________ _______________________________ _______________________________ Facsimile No.: with a copy to: Piper Rudnick LLP 1251 Avenue of the Americas New York, NY 10020 Attention: Michael A. Varet, Esq. Facsimile No.: (212) 835-6001 (b) If to SFI: _______________________________ _______________________________ _______________________________ _______________________________ with a copy to: Baker & Botts, L.L.P. One Shell Plaza 910 Louisiana Houston, TX 77002 Attention: Gray Jennings, Esq. Facsimile No.: (713) 229-1522 9.9 SURVIVAL. The respective indemnities, agreements, representations, warranties and each other provision set forth in this Agreement or made pursuant hereto shall remain in full force and effect regardless of any investigation (or statement as to the results thereof) made by or on behalf of the Purchasers or any of its officers, directors, partners, employees, representatives, or agents, or any controlling person of any of the foregoing. 9.10 ASSIGNMENT. In connection with any permitted transfer of Shares, a Purchaser may assign its rights hereunder in respect of such Shares to the transferee. Upon such assignment the transferee shall, insofar as the transferred Shares are concerned, be entitled to all of the rights, and be subject to all of the obligations, of the Purchaser under this Agreement, and all references to the "PURCHASER" herein shall thereafter be deemed to include the transferring Purchaser, or such transferee, or both, as the circumstances warrant. [Signature page follows] 14 IN WITNESS WHEREOF, the parties hereto have executed this Agreement effective as of the date referred to above. COMPANY: THE CHALONE WINE GROUP, LTD. By: _________________________________________ Name: Title: PURCHASERS: LES DOMAINES BARON DE ROTHSCHILD (LAFITE) By: _________________________________________ Name: Title: By: _________________________________________ Name: Title: SIGNATURE PAGE TO REGISTRATION RIGHTS AGREEMENT 15 Exhibit 23.2 INDEPENDENT AUDITORS' CONSENT We consent to the incorporation by reference in Registration Statement Nos. 33-38070, 33-38037,33-46966,33-77086 and 333-80209 on Form S-8 and Registration Statement Nos. 33-89030 and 333-71287 on Form S-3 of The Chalone Wine Group, Ltd., of our report dated May 11, 2001 appearing in the Annual Report on Form 10-K of The Chalone Wine Group, Ltd. for the year ended December 31,2002. San Francisco, California March 31, 2003 Exhibit 23.3 CONSENT OF INDEPENDENT AUDITOR We consent to the incorporation by reference in The Chalone Group Ltd.'s Registration Statement on Form S-8 (Nos. 33-38070, 33-38038, 33-38037, 33-46966, 33-77086 and 333-80209) and Form S-3 (Nos. 33-89030 and 333-71287) of our report on the audit of the consolidated financial statements of The Chalone Wine Group Ltd., as of December 31, 2002 and 2001, and for the year ended December 31, 2002, and the nine months ended December 31, 2001. Our report which is dated February 21, 2003, appears in The Chalone Wine Group Ltd.'s Annual Report on Form 10-K for the year ended December 31, 2002. Our report refers to a change in the method of accounting for goodwill in 2002. /s/ MOSS ADAMS LLP Santa Rosa, California March 27, 2003 EXHIBIT 99.1 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report of The Chalone Wine Group, Ltd. (the "Company") on Form 10-K for the year ended December 31, 2002 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Thomas B. Selfridge, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge: (1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and (2) The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company. /s/ THOMAS B. SELFRIDGE _____________________________________ Thomas B. Selfridge President and Chief Executive Officer March 31, 2003 EXHIBIT 99.2 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report of The Chalone Wine Group, Ltd. (the "Company") on Form 10-K for the year ended December 31, 2002 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Shawn M. Conroy Blom, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. ss.1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge: (1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and (2) The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company. /s/ SHAWN M. CONROY BLOM __________________________________________ Shawn M. Conroy Blom Vice President and Chief Financial Officer March 31, 2003