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<SEC-DOCUMENT>0000891092-03-000497.txt : 20030327
<SEC-HEADER>0000891092-03-000497.hdr.sgml : 20030327
<ACCEPTANCE-DATETIME>20030326203142
ACCESSION NUMBER:		0000891092-03-000497
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		6
CONFORMED PERIOD OF REPORT:	20021231
FILED AS OF DATE:		20030327

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OMNICOM GROUP INC
		CENTRAL INDEX KEY:			0000029989
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-ADVERTISING AGENCIES [7311]
		IRS NUMBER:				131514814
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10551
		FILM NUMBER:		03619279

	BUSINESS ADDRESS:	
		STREET 1:		437 MADISON AVE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022
		BUSINESS PHONE:		2124153700

	MAIL ADDRESS:	
		STREET 1:		437 MADISON AVE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	DOYLE DANE BERNBACH INC
		DATE OF NAME CHANGE:	19781226

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	DOYLE DANE BERNBACH INTERNATIONAL INC
		DATE OF NAME CHANGE:	19850604

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	DOYLE DANE BERNBACH GROUP INC
		DATE OF NAME CHANGE:	19861117
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>e14241form10-k.txt
<DESCRIPTION>FORM 10-K ANNUAL REPORT
<TEXT>
================================================================================

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   ----------

[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: 1-10551

                                   ----------

                               OMNICOM GROUP INC.
             (Exact name of registrant as specified in its charter)

                 New York                                13-1514814
    (State or other jurisdiction of         (I.R.S. Employer Identification No.)
    incorporation or organization)

    437 Madison Avenue, New York, NY                       10022
(Address of principal executive offices)                 (Zip Code)

       Registrant's telephone number, including area code: (212) 415-3600

           Securities Registered Pursuant to Section 12(b) of the Act:

                                                     Name of each Exchange
       Title of each class                            on which Registered
   ----------------------------                     -----------------------
   Common Stock, $.15 Par Value                     New York Stock Exchange

        Securities Registered Pursuant to Section 12(g) of the Act: None

                                   ----------

     The registrant has (1) 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
and (2) been subject to such filing requirements for the past 90 days.

     Disclosure of delinquent  filers pursuant to Item 405 of Regulations S-K is
not  contained  herein  and will not be  contained  in the  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  accelerated  filer (as
defined in Exchange Act Rule 12b-2): Yes X No

                                   ----------

     At March 17, 2003,  188,601,495  shares of Omnicom  Common Stock,  $.15 par
value, were outstanding;  the aggregate market value of the voting stock held by
nonaffiliates  as of the last  business day of the  registrant's  most  recently
completed second fiscal quarter was $8,321,783,000.

     Certain portions of Omnicom's  definitive  proxy statement  relating to its
annual  meeting  of  shareholders  scheduled  to be  held on May  20,  2003  are
incorporated by reference into Part III of this report.

================================================================================

<PAGE>

                               OMNICOM GROUP INC.
                               ------------------

                         ANNUAL REPORT ON FORM 10-K FOR
                        THE YEAR ENDED DECEMBER 31, 2002

                                TABLE OF CONTENTS

                                                                            Page
                                                                            ----
PART I

Item 1.       Business ....................................................    1
Item 2.       Properties ..................................................    3
Item 3.       Legal Proceedings ...........................................    4
Item 4.       Submission of Matters to a Vote of Security Holders .........    4

PART II

Item 5.       Market for Registrant's Common Equity and Related
                Stockholder Matters .......................................    5
Item 6.       Selected Financial Data .....................................    6
Items 7/7A.   Management's Discussion and Analysis of Financial Condition
                and Results of Operations: Critical Accounting Policies;
                and Quantitative and Qualitative Disclosures about Market
                Risk ......................................................    7
Item 8.       Financial Statements and Supplementary Data .................   20
Item 9.       Changes and Disagreements with Accountants on Accounting
                and Financial Disclosure ..................................   20

PART III

Item 10.      Directors and Executive Officers of the Registrant ..........   21
Item 11.      Executive Compensation ......................................    *
Item 12.      Security Ownership of Certain Beneficial Owners and
                Management ................................................    *
Item 13.      Certain Relationships and Related Transaction ...............    *
Item 14.      Controls and Disclosure .....................................   21

PART IV

Item 15.      Exhibits, Financial Statement Schedules and Reports
                on Form 8-K ...............................................   22
              Index to Financial Statements ...............................   22
              Index to Financial Statements Schedules .....................   22
              Exhibit Index ...............................................   22
Signatures ................................................................   24
Certifications of Senior Executive Officers ...............................   25
Management Report .........................................................  F-1
Independent Auditor's Report ..............................................  F-2
Consolidated Financial Statements .........................................  F-4
Notes to Consolidated Financial Statements ................................  F-8
- ----------
*    The  information  called  for by Items 10, 11, 12 and 13, to the extent not
     included in this  document,  is  incorporated  herein by  reference  to the
     information  to be included  under the captions  "Election  of  Directors",
     "Management's  Stock  Ownership",  "Director  Compensation"  and "Executive
     Compensation" in Omnicom's definitive proxy statement, which is expected to
     be filed by April 11, 2003.

<PAGE>

                                     PART I

Introduction

      This report is both our 2002 annual report to shareholders and our 2002
annual report on Form 10-K required under federal securities laws.

      We are a holding company. Our business is conducted through subsidiaries.
For simplicity, however, the terms "Omnicom", "we", "our" and "us" each refer to
Omnicom Group Inc. and our subsidiaries unless the context indicates otherwise.

      Statements of our beliefs or expectations regarding future events are
"forward-looking statements" within the meaning of the federal securities laws.
These statements are subject to various risks and uncertainties, including as a
result of the specific factors identified under the captions "Risks and
Competitive Conditions" and "Management's Discussion and Analysis of Financial
Condition and Results of Operations" on pages 3 and 7 and elsewhere in this
report. There can be no assurance that these beliefs or expectations will not
change or be affected by actual future events.

1. Business

      Our Business: We are one of the largest marketing and corporate
communications companies in the world. Our company was formed through a 1986
combination of three marketing and corporate communications networks, BBDO,
Doyle Dane Bernbach and Needham Harper.

      Since then, we have grown our strategic holdings to over 1,500 subsidiary
agencies operating in virtually all markets worldwide. Our agencies provide an
extensive range of marketing and corporate communications services, including:

     advertising                                 investor relations
     brand consultancy                           marketing research
     crisis communications                       media planning and buying
     custom publishing                           multi-cultural marketing
     database management                         non-profit marketing
     digital and interactive marketing           organizational communications
     direct marketing                            package design
     directory advertising                       product placement
     entertainment marketing                     promotional marketing
     environmental design                        public affairs
     experiential marketing                      public relations
     field marketing                             real estate advertising and
     financial/corporate business-to-business      marketing
       advertising                               recruitment communications
     graphic arts                                reputation consulting
     healthcare communications                   retail marketing
     instore design                              sports and event marketing



                                       1
<PAGE>

      Marketing and corporate communications services are provided to clients
through global, pan-regional and national independent agency brands. Our brands
include:

     BBDO Worldwide                         Ketchum
     DDB Worldwide                          Ketchum Directory Advertising
     TBWA Worldwide                         KPR
     OMD Worldwide                          Lieber Levett Koenig Farese Babcock
     AWE                                    Lyons Lavey Nickel Swift
     Accel Healthcare                       M/A/R/C Research
     Adelphi Group                          Marketing Advantage
     Alcone Marketing Group                 MarketStar
     Anderson DDB                           Martin/Williams
     ARA Group                              Matthews Media Group
     Arnell Group                           Merkley Newman Harty & Partners
     atmosphere                             MicroMedia
     Auditoire                              Millsport
     BDDP & Fils                            Moss Dragoti
     Bernard Hodes Group                    National In-Store
     Brodeur Worldwide                      New Solutions
     Carlson and Partners                   Nouveau Monde
     Changing Our World                     Novus
     Clark & Weinstock                      Organic
     Claydon Heeley Jones Mason             Paris Venise Design
     Clemenger Communications Limited       Pentamark
     Cline, Davis & Mann                    PGC Advertising
     Cone                                   PhD
     Corbett Healthcare Group               Porter Novelli International
     CPM                                    Proximity Worldwide
     Davie-Brown                            Radiate Sports & Entertainment Group
     del Rivero Messianu                    Rapp Collins Worldwide
     Dieste, Harmel & Partners              Russ Reid Company
     Direct Partners                        Salesforce
     Doremus                                Screen
     Eden Communications Group              Sellbytel
     Eigen Fabrikaat                        Serino Coyne
     Element 79 Partners                    Spike DDB
     European Communication Consultants     Spot Plus
     FKGB                                   Staniforth
     Fame                                   Steiner Sports Marketing
     Fleishman-Hillard                      Targetbase
     Gavin Anderson & Company               TARGIS Healthcare Communications
     Generator                                Worldwide
     Goodby, Silverstein & Partners         Tequila
     Grizzard Communications                Textuel
     GSD&M                                  The Ant Farm
     Gutenberg On-Line                      The Designory
     Harrison & Star Business Group         The Marketing Arm
     Heye & Partner                         TicToc
     Horrow Sports Ventures                 TPG
     ICON                                   Tracy Locke Partnership
     Integrated Merchandising Services      The Promotion Network
     Integer Group                          Tribal DDB
     Interbrand                             U.S. Marketing & Promotions
     InterOne                               Washington Speakers Bureau
     InterScreen                            Wolff Olins
     Jump                                   Zimmerman & Partners Advertising
     Kaleidoscope


      The various components of our business and material factors that affected
us in 2002 are discussed in our "Management's Discussion and Analysis of
Financial Conditions and Results of Operations" of this report. None of our
acquisitions in 2002, 2001 or 2000 were material to our consolidated financial
position or results of operations. For information concerning our acquisitions,
see note 2 to our consolidated financial statements on page F-11 of this report.


                                       2
<PAGE>

      Geographic Regions: Our total consolidated revenue is about evenly divided
between U.S. and non-U.S. operations. For financial information concerning
domestic and foreign operations and segment reporting, see note 5 to our
consolidated financial statements at page F-15 of this report.

      Our Clients: We had over 5,000 clients in 2002, many of which were served
by more than one of our agency brands. Our 10 largest and 200 largest clients in
the aggregate accounted for 17.9% and 50.7%, respectively, of our 2002
consolidated revenue. Our largest client was served by 41 of our agency brands.
This client accounted for 5.0% of our 2002 consolidated revenue. No other client
accounted for more than 2.4% of our 2002 consolidated revenue.

      Our Employees: We employed approximately 57,600 people at December 31,
2002. We are not party to any significant collective bargaining agreements. See
our management discussion and analysis beginning on page 7 of this report for a
discussion of the effect of salary and service costs on our 2002 results of
operations.

      Risks and Competitive Conditions: The marketing and corporate
communications businesses which we are in are highly competitive. We face risks
typical of marketing and corporate communications services companies and other
services businesses generally, including risks arising out of geographical
factors, changes in general and regional economic conditions, competitive
factors, client communication requirements and the hiring and retention of key
employees. In general, the financial and technological barriers to entry are
low, with the key competitive considerations for keeping existing business and
winning new business being the quality and effectiveness of the services
offered, including our ability to efficiently provide our services to clients.
While many of our client relationships are long-standing, companies often put
their advertising, marketing services and public and corporate communications
business up for competitive review from time to time. In addition, an important
aspect of our competitiveness is our ability to retain key employees and
management personnel.

      Our revenue is dependent upon the marketing and corporate communication
requirements of our clients and tends to be lowest in the first and third
quarters of the calendar year as a result of the post-holiday slowdown in client
spending at the beginning of January and lower client spending in August
primarily as a result of the vacation season. See our management discussion and
analysis beginning on page 7 of this report for a discussion of the effect of
market conditions and other factors on our 2002 results of operations.

      Directly or indirectly, government agencies and consumer groups have from
time to time affected or attempted to affect the scope, content and manner of
presentation of advertising and other marketing communications through
regulations and other governmental action. We believe the total volume of
advertising and marketing communications will not be materially affected by
future legislation or regulation, although the scope, content and manner of
presentation will likely continue to change.

      In addition, due to our international operations, we are subject to
translation risk associated with currency fluctuations, exchange controls and
political and other risks as discussed in our management discussion and analysis
at pages 7 to 20 of this report. For financial information on our operations by
geographic area, see note 5 to our consolidated financial statements at page
F-15 of this report.

2. Properties

      We maintain office space in many major cities around the world. This space
is primarily used for office and administrative purposes by our employees in
performing professional services. Our principal corporate offices are at 437
Madison Avenue, New York and Greenwich, Connecticut. We also maintain executive
offices in London, England.

      Our office space is utilized for performing professional services and is
in suitable and well-maintained condition for our current operations.
Substantially all of our office space is leased from third parties with varying
expiration dates ranging from one to 19 years. Certain of our leases are subject
to rent reviews under various escalation clauses and certain of our leases
require our payment of various operating expenses, which may also be subject to
escalation. Our consolidated rent expense was $311.3 million in 2002, $305.4
million in 2001 and $258.9 million in 2000, after reduction for rents received
from subleases of $15.5 million, $8.0 million and $7.2 million, respectively.
Our obligations for future minimum base rents under terms of


                                       3
<PAGE>

non-cancelable real estate lease, reduced by rents to be received from existing
non-cancelable subleases, and other operating leases, which include primarily
office furniture and computer and technology equipment, are (in millions):

                                                       Net Rent
                                                       --------
                 2003 ..............................    $381.7
                 2004 ..............................     312.2
                 2005 ..............................     249.0
                 2006 ..............................     208.6
                 2007 ..............................     170.5
                 Thereafter ........................     825.3

      See note 10 to our consolidated financial statements on page F-21 of this
report for a discussion of our lease commitments and our management discussion
and analysis for the impact of leases on our operating expenses.

3. Legal Proceedings

      On June 13, 2002, a lawsuit was filed against us and certain of our senior
executives in the federal court in the Southern District of New York on behalf
of a purported class of purchasers of our common shares. The complaint alleges,
among other things, that our press releases and SEC reports during the alleged
class period contained materially false and misleading statements or omitted to
state material information. In addition to the proceedings described above, a
shareholder derivative action was filed on June 28, 2002 in New York state court
in New York City by a plaintiff shareholder, purportedly on our behalf, alleging
breaches of fiduciary duty, disclosure failures, abuse of control and gross
mismanagement in connection with the formation of Seneca Investments LLC.

      Management presently expects to defend these cases vigorously. Currently,
we are unable to determine the outcome of these cases and the effect on our
financial position or results of operations. The outcome of any of these matters
is inherently uncertain and may be affected by future events. Accordingly, there
can be no assurance as to the ultimate effect of these matters.

      We are also involved from time to time in various legal proceedings in the
ordinary course of business. We do not presently expect that these proceedings
will have a material adverse effect on our consolidated financial position or
results of operations.

      For additional information concerning our legal proceedings, including the
class action and derivative action described above, see note 14 to our
consolidated financial statements on page F-25 of this report, which is
incorporated into this section by reference.

4. Submission of Matters to a Vote of Security Holders

      Our annual shareholders meeting has historically been held in the second
quarter of the year. No matters were submitted to a vote of our shareholders
during the last quarter of 2002.


                                       4
<PAGE>

                                     PART II

5. Market for Registrant's Common Equity and Related Stockholder Matters

      Our common shares are listed on the New York Stock Exchange under the
symbol "OMC". On March 17, 2003, we had 3,777 holders of record of our common
shares. The table below shows the range of quarterly high and low sales prices
reported on the New York Stock Exchange Composite Tape for our common shares and
the dividends paid per share for these periods.

                                                                  Dividends Paid
      Period                              High           Low        Per Share
      ------                              ----           ---      --------------
      Q1 2001.........................    $95.45       $76.69         $0.175
      Q2 2001.........................     98.20        78.00          0.200
      Q3 2001.........................     89.20        59.10          0.200
      Q4 2001.........................     90.69        61.25          0.200

      Q1 2002.........................    $96.30       $82.76         $0.200
      Q2 2002.........................     94.10        36.27          0.200
      Q3 2002.........................     65.61        38.54          0.200
      Q4 2002.........................     70.29        48.10          0.200

      Q1 2003*........................    $68.25       $46.50         $0.200

      * through March 17, 2003


                                       5
<PAGE>

6. Selected Financial Data

      The following selected financial data should be read in conjunction with
our consolidated financial statements and related notes which begin on page F-1,
as well as our management's discussion and analysis which begins on page 7 of
this report.

<TABLE>
<CAPTION>
                                              (Dollars in Thousands Except Per Share Amounts)
                                       --------------------------0------------------------------------
                                        2002          2001          2000          1999          1998
                                      --------      --------      --------      --------      --------
<S>                                  <C>           <C>           <C>           <C>           <C>
For the year:
   Revenue .......................   $ 7,536,299   $ 6,889,406   $ 6,154,230   $ 5,130,545   $ 4,290,946
   Operating Profit ..............     1,104,115       968,184       878,090       724,130       562,207
   Net Income ....................       643,459       503,142       498,795       362,882       278,845
   Income After Income Taxes .....       697,987       543,257       542,477       400,461       302,705
   Earnings per common share:
      Basic ......................          3.46          2.75          2.85          2.07          1.61
      Diluted ....................          3.44          2.70          2.73          2.01          1.57
   Dividends declared per common
     share .......................         0.800         0.775         0.700         0.625         0.525
At year end:
   Cash and short-term investments   $   695,881   $   516,999   $   576,539   $   600,949   $   717,391
   Total assets ..................    11,819,802    10,617,414     9,853,707     9,017,637     7,121,968
   Long-term obligations:
      Long-term debt .............       197,861       490,105     1,015,419       263,149       268,913
      Convertible notes ..........     1,747,037       850,000       229,968       448,483       448,497
      Deferred compensation and
        other liabilities ........       293,638       296,980       296,921       300,746       269,966
</TABLE>


      As discussed in footnote 13 of the notes to our consolidated financial
statements, as required by SFAS 142, beginning with our 2002 results, goodwill
and other intangible assets that have indefinite lives due to a change in
generally accepted accounting principles are not amortized. To make our results
for each period more directly comparable, in the table that follows, we adjusted
our historical results for periods prior to 2002 to eliminate goodwill
amortization for all periods, as well as a non-recurring gain on the sale of
Razorfish shares in 2000, and the related tax impacts.

<TABLE>
<CAPTION>
                                           (Dollars in Thousands Except Per Share Amounts)
                                         --------------------------------------------------
                                         2002        2001        2000      1999        1998
                                         ----        ----        ----      ----        ----
<S>                                     <C>        <C>        <C>        <C>        <C>
As adjusted:
   Net Income .......................   $643,459   $503,142   $498,795   $362,882   $278,845
   Add-back goodwill amortization,
      net of income taxes ...........         --     83,065     76,518     66,490     54,112
   Less: gain on sale of Razorfish
      shares, net of income taxes ...         --         --     63,826         --         --
                                        --------   --------   --------   --------   --------
   Net Income, excluding goodwill
      amortization and Razorfish gain   $643,459   $586,207   $511,487   $429,372   $332,957
   Earnings per common share,
      excluding goodwill amortization
      and Razorfish gain
      Basic .........................        3.46      3.21       2.93       2.45       1.92
      Diluted .......................        3.44      3.13       2.80       2.36       1.87
</TABLE>


                                       6
<PAGE>

7/7   A. Management's Discussion and Analysis of Financial Condition and Results
      of Operations; Critical Accounting Policies; and Quantitative and
      Qualitative Information about Market Risk

      As discussed in footnote 13 of the notes to our consolidated financial
statements, as required by SFAS 142, beginning with our 2002 results goodwill
and other intangible assets that have indefinite lives due to a change in
generally accepted accounting principles are not amortized. To make the
discussion of periods comparable, 2001 and 2000 income statement information in
the discussion that follows has been adjusted to eliminate goodwill amortization
as presented in the following table and the table on page 11. In addition,
certain reclassifications have been made to the 2001 and 2000 reported amounts
to conform them to the 2002 presentation, including changing the income
statement line item from "Salary and related costs" to a new category entitled
"Salary and service costs", and reallocating certain items previously shown in
"Office and general expenses" to this new category. We have regrouped certain
direct service costs such as freelance labor, travel, entertainment,
reproduction, client service costs and other expenses from "Office and general
expenses" into "Salary and service costs" in order to better segregate the
expense items between those that are more closely related to directly serving
clients versus those expenses, such as facilities, overhead, depreciation and
other administrative expenses, which in nature are not directly related to
servicing clients.

      Furthermore, to provide better comparability period to period, in our
Financial Results from Operations - 2001 Compared with 2000 starting on page 11,
we have excluded the $63.8 million after-tax gain recorded in the year 2000 on
sale of Razorfish shares.

Financial Results from Operations-- 2002 Compared with 2001

                                 (Dollars in Millions, except per share amounts)
                                                             2001
                                            ------------------------------------
Twelve Months Ended                            As        Goodwill        As
  December 31,                    2002      Reported   Amortization  Adjusted(a)
                                  ----      --------   ------------  -----------
Revenue .....................   $7,536.3    $6,889.4      $  --       $6,889.4
Operating expenses:
  Salary and service costs ..    4,952.9     4,420.9         --        4,420.9
  Office and general expenses    1,479.3     1,500.3       94.8        1,405.5
                                --------    --------      -----       --------
                                 6,432.2     5,921.2       94.8        5,826.4

Operating profit ............    1,104.1       968.2         --        1,063.0
Net interest expense:
  Interest expense ..........       45.5        90.9         --           90.9
  Interest income ...........      (15.0)      (18.1)        --          (18.1)
                                --------    --------      -----       --------
                                    30.5        72.8         --           72.8

Income before taxes .........    1,073.6       895.4       94.8          990.2
Income taxes ................      375.6       352.1       13.0          365.1
Income after income taxes ...      698.0       543.3       81.8          625.1
Equity in affiliates ........       13.8        12.6        2.8           15.4
Minority interests ..........      (68.3)      (52.8)      (1.5)         (54.3)
                                --------    --------      -----       --------
  Net income ................   $  643.5    $  503.1      $83.1       $  586.2
                                ========    ========      =====       ========
Net Income Per Common Share:
  Basic .....................   $   3.46    $   2.75        --        $   3.21
  Diluted ...................       3.44        2.70        --            3.13
Dividends Declared Per Common
  Share .....................   $  0.800    $  0.775        --        $  0.775

- ----------
   (a) Excludes amortization of goodwill and related tax impact.


                                       7
<PAGE>

      Revenue: Our 2002 consolidated worldwide revenue increased 9.4% to
$7,536.3 million from $6,889.4 million in 2001. The effect of acquisitions, net
of disposals, increased 2002 worldwide revenue by $362.5 million.
Internal/organic growth increased worldwide revenue by $193.1 million, and
foreign exchange impacts increased worldwide revenue by $91.3 million. The
components of total 2002 revenue growth in the U.S. ("domestic") and the
remainder of the world ("international") are summarized below ($ in millions):

<TABLE>
<CAPTION>

                                                     Total                Domestic            International
                                             --------------------   --------------------   ------------------
                                                  $          %           $          %          $         %
                                              --------   --------    --------   --------   --------  --------
<S>                                           <C>                    <C>                   <C>
   December 31, 2001.....................     $6,889.4      --       $3,717.0      --      $3,172.4     --

   Components of Revenue Changes:

   Foreign exchange impact...............         91.3     1.3%                                91.3    2.9%
   Acquisitions..........................        362.5     5.3%         269.1     7.3%         93.4    2.9%
   Organic...............................        193.1     2.8%         298.5     8.0%       (105.4)  (3.4)%
                                              --------     ---        -------    ----      --------    ---
   December 31, 2002.....................     $7,536.3     9.4%      $4,284.6    15.3%     $3,251.7    2.4%
                                              ========     ===        =======    ====      ========    ===
</TABLE>

      The components and percentages are calculated as follows:

      o     The foreign exchange impact component shown in the table is
            calculated by first converting the current period's local currency
            revenue using the average exchange rates from the equivalent prior
            period to arrive at a constant currency revenue (in this case
            $7,445.0 million for the Total column in the table). The foreign
            exchange impact equals the difference between the current period
            revenue in U.S. dollars and the current period revenue in constant
            currency (in this case $7,536.3 million less $7,445.0 million for
            the Total column in the table).

      o     The acquisition component shown in the table is calculated by
            aggregating the applicable prior period revenue of the acquired
            businesses. Netted against this number is the revenue of any
            business included in the prior period reported revenue that was
            disposed of subsequent to the prior period.

      o     The organic component shown in the table is calculated by
            subtracting both the foreign exchange and acquisition revenue
            components from total revenue growth.

      o     The percentage change shown in the table of each component is
            calculated by dividing the individual component amount by the prior
            period revenue base of that component (in this case $6,889.4 million
            for the Total column in the table).

      The components of revenue and revenue growth for 2002 compared to 2001, in
our primary geographic markets are summarized below ($ in millions):

                                                 $ Revenue      % Growth
                                                 ---------      ---------
    United States ...........................    $4,284.6         15.3%
    Euro Markets ............................     1,458.6          3.2%
    United Kingdom ..........................       814.1          1.1%
    Other ...................................       979.0          2.7%
                                                 --------          ---
    Total ...................................    $7,536.3          9.4%
                                                 ========          ===

      As indicated, foreign exchange impacts increased our international revenue
by $91.3 million for 2002. The most significant impacts resulted from the
strengthening of the Euro and the British Pound against the U.S. dollar, as our
operations in these markets represented approximately 70.0% of our international
revenue. This was partially offset by the strengthening of the U.S. dollar
against the Brazilian Real. Additional geographic information relating to our
business is contained in note 5 to our consolidated financial statements at page
F-15 of this report.

      The current geopolitical uncertainty combined with the prolonged weak
economic conditions have created a challenging business climate. Management
believes that the recent improvements reported by U.S. media companies are a
positive sign. However, management also believes that the overall demand for
advertising and other marketing and corporate communications services in the
near term will continue to be more unpredictable as clients maintain caution
until the current political tensions moderate.


                                       8
<PAGE>

      Several long-term trends continue to positively affect our business,
including our clients increasingly expanding the focus of their brand strategies
from national markets to the global market. Additionally, in an effort to gain
greater efficiency and effectiveness from their marketing dollars, clients are
increasingly requiring greater coordination of their traditional advertising and
marketing activities and concentrating these activities with a smaller number of
service providers.

      All of these factors affect the geographic and service mix of our business
period to period. Further, any comparison of current period results to the prior
year needs to be made in the context of the events of September 11, 2001, which
had a significant adverse impact on our business in the third quarter of 2001.
The adverse impact of September 11, 2001, was less significant in the fourth
quarter of 2001 and management believes that the fourth quarter of 2001 also
benefited from other short-term economic stimuli and delayed spending from the
third quarter of 2001. The impact of these factors on our business and our 2002
and 2001 results of operations is more fully discussed below.

      Due to a variety of factors, in the normal course, our agencies both gain
and lose business from clients each year. The net result in 2002 and
historically each year for Omnicom as a whole, was an overall gain in new
business. Due to our multiple independent agency structure and the breadth of
our service offerings and geographic reach, our agencies have more than 5,000
active client relationships in the aggregate. Revenue from our single largest
client in 2002 increased by 2.4%. This client represented 5.0% of worldwide
revenue in 2002 and 5.4% in 2001 and no other client represented more than 2.5%
in 2002 and 2001. Our ten largest and 200 largest clients represented 17.9% and
50.7% of our 2002 worldwide revenue, respectively and 17.0% and 48.0% of our
2001 worldwide revenue.

      Driven by clients' continuous demand for more effective and efficient
branding activities, we strive to provide an extensive range of marketing and
corporate communications services through various client centric networks that
are organized to meet specific client objectives. These services include
advertising, brand consultancy, crisis communications, custom publishing,
database management, digital and interactive marketing, direct marketing,
directory advertising, entertainment marketing, environmental design,
experiential marketing, field marketing, financial/corporate
business-to-business advertising, graphic arts, healthcare communications,
instore design, investor relations, marketing research, media planning and
buying, multi-cultural marketing, non-profit marketing, organizational
communications, package design, product placement, promotional marketing, public
affairs, public relations, real estate advertising and marketing, recruitment
communications, reputation consulting, retail marketing and sports and event
marketing. In an effort to monitor the changing needs of our clients and to
further expand the scope of our services to key clients, we monitor revenue
across a broad range of disciplines and group them into the following four
categories: traditional media advertising, customer relationship management
referred to as CRM, public relations and specialty communications.

      Traditional media advertising revenue represented 43.5%, or $3,276.4
million, of our worldwide revenue during 2002 as compared to 43.6%, or $3,006.3
million in 2001. The remainder of our 2002 revenue, 56.5%, or $4,259.9 million,
was related to our other marketing and corporate communications services. The
breakdown of this other revenue was CRM: 32.1%, or $2,421.8 million; specialty
communications: 12.2%, or $917.1 million; and public relations: 12.2%, or $921.0
million. When compared to 2001, revenue in 2002 increased by $270.1 million, or
9.0% for traditional media advertising; by $300.8 million, or 14.2% for CRM; and
by $137.1 million, or by 17.6%, for specialty communications; and decreased by
$61.1 million, or 6.2%, for public relations.

      Operating Expenses: Our 2002 worldwide operating expense increased $605.8
million, or 10.4%, to $6,432.2 million from $5,826.4 million in 2001, as
described below.

      Salary and service costs, which are comprised of direct service costs and
salary related costs, increased by $532.0 million, or 12.0%, and represented
77.0% of total operating expenses in 2002 versus 75.9% in 2001. These expenses
increased as a percentage of revenue to 65.7% in 2002 from 64.2% in 2001.
Salaries and incentive compensation costs, which include bonuses, decreased as a
percentage of revenue in 2002 primarily as a result of continuing efforts to
align permanent staffing with current work levels on a location by location
basis, as well as our attempts to increase the variability of our cost structure
by relying more upon freelance labor for project work as necessary. This was
offset by increased direct service costs resulting in, as mentioned above,
greater utilization of freelance labor, changes in the mix of our revenues and
increased severance related costs.


                                       9
<PAGE>

      Office and general expenses increased by $73.8 million, or 5.3%, in 2002.
Office and general expenses represented 23.0% of our total operating costs in
2002 versus 24.1% in 2001. Additionally, as a percentage of revenue office and
general expenses decreased in 2002 to 19.6% from 20.4%. This decrease was
primarily the result of our efforts to better align costs with business levels
on a location by location basis.

      For the foregoing reasons, our operating margin decreased to 14.7% in
2002, from 15.4% in 2001.

      Net Interest Expense: Our net interest expense decreased in 2002 to $30.5
million, as compared to $72.8 million in 2001. Our gross interest expense
decreased by $45.4 million to $45.5 million. Of this decrease in gross interest
expense, $12.4 million was attributable to the conversion of our $230.0 million
aggregate principal amount 2 1/4% convertible notes in December of 2001. The
balance of the reduction was attributable to generally lower short-term interest
rates as compared to the prior year, the issuance in February 2001 of $850.0
million Liquid Yield Option notes as to which substantially all of the related
debt issuance costs were amortized in prior periods and the issuance in March
2002 of the $900.0 million aggregate principal amount of Zero Coupon Zero Yield
Convertible notes of which $530.0 million was used to reduce existing interest
bearing bank debt thereby reducing interest expense. The reduction in gross
interest expense was partially offset by increased daily average outstanding
debt levels resulting from our repurchase of common stock in the first quarter
of 2002.

      On February 3, 2003, we offered to pay holders of the Liquid Yield Option
notes due in 2031, $30 per $1,000 principal amount of notes as an incentive to
the holders not to exercise their put right. We paid $25.4 million to qualified
noteholders on February 21, 2003. As a result, we expect interest expense to
increase by $23.3 million in 2003 compared to 2002. In addition, depending on
future market conditions, we may make a similar offer to holders of the Zero
Coupon Zero Yield Convertible notes in July 2003. We cannot determine at this
time if such an offer will be made or, if one is made, the amount that may be
offered. If an offer is made and a payment results, our interest expense would
further increase in the second-half of 2003 compared to 2002.

      See "Liquidity and Capital Resources" for a discussion of our indebtedness
and related matters.

      Income Taxes: Our consolidated effective income tax rate was 35.0% in 2002
as compared to 36.9% (on an as adjusted basis) in 2001. This reduction reflects
the realization of our ongoing focus on tax planning initiatives.

      Minority Interests: In 2002, minority interests increased to $68.3 million
from $54.3 million in 2001. The increase was primarily due to increased earnings
compared to 2001 in companies in which we do not own a 100% interest and an
increase in the number of entities in which a minority interest is held.

      Earnings Per Share (EPS): For the foregoing reasons, our net income for
2002 increased by 9.8% to $643.5 million from $586.2 million in 2001 and our
diluted EPS increased by 9.9% to $3.44 from $3.13. While our net income in 2002
was positively impacted by the conversion of the 2 1/4% Convertible Subordinated
Debentures at the end of 2001, the conversion of these debentures were included
in computing basic and diluted EPS in 2002 and diluted EPS in 2001.


                                       10
<PAGE>

Financial Results from Operations-- 2001 Compared with 2000

<TABLE>
<CAPTION>
                                                       (Dollars in Millions, except per share amounts)
                                                                                    2000
                                                             ---------------------------------------------------
                                              As adjusted       As           Goodwill     Razorfish       As
Twelve Months Ended December 31,                2001(a)      Reported      Amortization     Gain      Adjusted(b)
                                              -----------    --------      ------------   ---------    ---------
<S>                                            <C>           <C>              <C>           <C>        <C>
Revenue ...................................    $6,889.4      $6,154.2         $  --         $  --      $6,154.2
Operating Expenses:
  Salary and service costs ................     4,420.9       3,847.7            --            --       3,847.7
  Office and general expenses .............     1,405.5       1,428.4          81.7            --       1,346.7
                                               --------      --------         -----         -----      --------
                                                5,826.4       5,276.1          81.7            --       5,194.4

Operating profit ..........................     1,063.0         878.1          81.7            --         959.8
Realized gain .............................          --         110.0            --         110.0            --
Net interest expense:
  Interest expense ........................        90.9         116.7            --            --         116.7
  Interest income .........................       (18.1)        (40.2)           --            --         (40.2)
                                               --------      --------         -----         -----      --------
                                                   72.8          76.5            --            --          76.5

Income before taxes .......................       990.2         911.6          81.7         110.0         883.3
Income taxes ..............................       365.1         369.1           5.7          46.2         328.6

Income after taxes ........................       625.1         542.5          76.0          63.8         554.7
Equity in affiliates ......................        15.4          10.9           1.9            --          12.8
Minority interests ........................       (54.3)        (54.6)         (1.4)           --         (56.0)
                                               --------      --------         -----         -----      --------
  Net income ..............................      $586.2        $498.8         $76.5         $63.8        $511.5
                                               ========      ========         =====         =====      ========

Net Income Per Common Share:

  Basic ...................................       $3.21         $2.85            --            --         $2.93
  Diluted .................................        3.13          2.73            --            --          2.80
Dividends Declared Per Common Share .......     $ 0.775       $ 0.700            --            --       $ 0.700
</TABLE>
- ----------
(a)   As presented in our 2002 vs 2001 discussion on page 7 of this report.

(b)   Excludes amortization of goodwill and gain on sale of Razorfish shares and
      their related tax impacts.

      Revenue: Our 2001 consolidated worldwide revenue increased 11.9% to
$6,889.4 million from $6,154.2 million in 2000. The effect of acquisitions, net
of disposals, increased 2001 worldwide revenue by $385.0 million.
Internal/organic growth increased 2001 worldwide revenue by $524.2 million, and
foreign exchange impacts decreased worldwide revenue by $174.0 million. The
components of 2001 total revenue growth in the U.S. ("domestic") and the
remainder of the world ("international") are summarized below ($ in millions):

<TABLE>
<CAPTION>
                                                     Total                Domestic            International
                                             ---------------------  ---------------------  ------------------
                                                  $          %           $          %          $         %
                                             ----------  --------    ---------  --------   --------- --------
<S>                                           <C>         <C>        <C>         <C>       <C>         <C>
   December 31, 2000.....................     $6,154.2      --       $3,258.2      --      $2,896.0     --

   Components of Revenue Changes:
   Foreign exchange impact...............       (174.0)   (2.8)%                             (174.0)  (6.0)%
   Acquisitions..........................        385.0     6.3%         220.4     6.8%        164.6    5.7%
   Organic...............................        524.2     8.5%         238.4     7.3%        285.8    9.8%
                                              --------    -----      --------    -----     --------    ----
   December 31, 2001.....................     $6,889.4    11.9%      $3,717.0    14.1%     $3,172.4    9.5%
                                              ========    =====      ========    =====     ========    ====
</TABLE>

      The components and percentages are calculated as follows:

      o     The foreign exchange impact component shown in the table is
            calculated by first converting the current period's local currency
            revenue using the average exchange rates from the equivalent prior
            period to arrive at a constant currency revenue (in this case
            $7,063.4 million for the Total column in the table). The foreign
            exchange impact equals the difference between the current period
            revenue in U.S. dollars and the current period revenue in constant
            currency (in this case $6,889.4 million less $7,063.4 million for
            the Total column in the table).


                                       11
<PAGE>

      o     The acquisition component shown in the table is calculated by
            aggregating the applicable prior period revenue of the acquired
            businesses. Netted against this number is the revenue of any
            business included in the prior period reported revenue that was
            disposed of subsequent to the prior period.

      o     The organic component shown in the table is calculated by
            subtracting both the foreign exchange and acquisition revenue
            components from total revenue growth.

      o     The percentage change shown in the table of each component is
            calculated by dividing the individual component amount by the prior
            period revenue base of that component (in this case $6,154.2 million
            for the Total column in the table).

      The components of revenue and revenue growth (declines), for 2001 compared
to 2000, in our primary geographic markets are summarized below ($ in millions):

                                               $ Revenue      % Growth
                                               ---------      --------
      United States.........................    $3,717.0        14.1%
      Euro Markets..........................     1,413.8        10.0%
      United Kingdom........................       805.2        (0.1)%
      Other.................................       953.4        19.2%
                                                -------         ----
      Total.................................    $6,889.4        11.9%
                                                ========        ====

      As indicated, foreign exchange impacts reduced our international revenue
by $174.0 million during the year, reducing our international growth by 6.0% and
our overall growth by 2.8%. The most significant impacts came from the Euro and
the British Pound as these markets represented 70.0% of our international
operations. The effect of acquisitions, net of divestitures, increased our
worldwide revenue by 6.3%, domestic revenue by 6.8% and international revenue by
5.7%. The balance of the increase in revenue represents net new business wins
and additional revenue from expanding the scope of services provided to existing
clients. Additional geographic information relating to our business is contained
in note 5 to our consolidated financial statements at page F-15 of this report.

      In addition to expanding our client base, expanding the scope of services
and the extension of additional services to clients, several market trends
affected our business. These trends included clients increasingly expanding the
focus of their brand strategies from a national market to the global market.
And, in an effort to gain greater efficiency and effectiveness from their
marketing dollars, clients required greater coordination of their traditional
advertising and marketing activities and tended to concentrate these activities
with a smaller number of service providers.

      Due to a variety of factors, including the trends mentioned above, in the
normal course of business, our agencies both gain and lose clients each year.
The net result in 2001 and historically each year for Omnicom as a whole, was an
overall gain in new business. Due to our multiple independent agency structure
and the breadth of our service offerings and geographic reach, our agencies have
more than 5,000 active client relationships in the aggregate. Our single largest
client in 2001 represented 5.4% of worldwide revenue and no other client
represented more than 2.5%. Our ten largest and 200 largest clients represented
17.0% and 48.0% of our worldwide revenue, respectively.

      As previously stated, we monitor revenue across a broad range of
disciplines and group them into the following four categories: traditional media
advertising, customer relationship management ("CRM"), public relations and
specialty communications. Traditional media advertising revenue represented
43.6%, or $3,006.3 million, of our worldwide revenue during 2001, as compared to
44.2%, or $2,718.9 million, in 2000. The remainder of our revenue, 56.4%, or
$3,883.1 million, was related to our other marketing and corporate
communications services. The breakdown of this other revenue was CRM: 30.8%, or
$2,121.0 million; public relations: 14.3%, or $982.1 million; and specialty
communications: 11.3%, or $779.9 million. When compared to 2000, revenue in 2001
increased by $287.4 million, or 10.6% for traditional media advertising; by
$300.5 million, or 16.5% for CRM; by $40.5 million, or 4.3%, for public
relations; and by $106.7 million, or by 15.9%, for specialty communications.

      September 11th and Market Conditions: The tragic events of September 11th
adversely impacted our business. We experienced disruptions in client spending
patterns related to the cancellation and postponement of activities. As a
result, operating margins deteriorated during the third quarter of 2001. This
decline occurred primarily because we had only a limited ability to adjust our
cost structure in response to the sudden reduction in revenues.


                                       12
<PAGE>

      We do not believe September 11th permanently impacted any of our agencies.
While the specific effects of September 11th began to dissipate over the
remainder of 2001, overall economic conditions remained weak. We believe that
the diversity of our clients across industries, the broad range of services our
agencies provide, the diversity of our geographic locations and the flexibility
of certain elements of our cost structure mitigated much of the economic impact
on our business as a whole.

      Operating Expenses: Our 2001 worldwide operating expense increased 12.2%
to $5,826.4 million from $5,194.4 million in 2000.

      Salary and service costs, which are comprised of direct service costs and
salary related costs, increased by $573.2 million, or 14.9%, and represents
75.9% of total operating expenses in 2001 versus 74.1% in 2000. These expenses
increased as a percentage of revenue to 64.2% in 2001 from 62.5% in 2000.
Salaries and incentive compensation costs decreased as a percentage of revenue
in 2001 primarily as a result of continuing efforts to align staffing with
current work levels on a location by location basis. This was off-set by
increased direct service costs resulting primarily from increased severance
related costs and greater utilization of freelance labor. In addition, as a
result of the increase in our revenues, as well as changes in the mix of our
revenues on a period-over-period basis, other direct costs increased as a
percentage of revenue in 2001 compared to 2000.

      Office and general expenses increased by $58.8 million, or 4.4%, in 2001.
Office and general expenses represented about 24.1% of our total operating costs
in 2001 versus 25.9% in 2000. This decrease is primarily the result of our
efforts to better align costs with business levels on a location by location
basis.

      For the foregoing reasons, our operating margin decreased to 15.4% in 2001
from 15.6% in 2000.

      Net Interest Expense: Our net interest expense for 2001 decreased to $72.8
million from $76.5 million in 2000. Our gross interest expense decreased by
$25.8 million to $90.9 million. This decrease resulted from the conversion of
our 4 1/4% convertible subordinated debentures at the end of 2000 and the
general lowering of short-term interest rates as the year progressed. These
benefits were partially offset by increased borrowings used to fund acquisitions
and stock repurchases completed during the year.

      Income Taxes: On an as adjusted basis, our consolidated effective income
tax rate was 36.9% in 2001 as compared to 37.2% in 2000. This reduction reflects
the initial realization of our recently implemented tax planning initiatives.

      Equity in Affiliates: In 2001, our equity in affiliates increased to $15.4
million from $12.8 million in 2000. The increase resulted from new acquisitions
of affiliated companies and increased ownership of existing affiliated
companies, partially offset by increased ownership in certain affiliates that
resulted in their consolidation during the year and lower earnings of certain
affiliates.

      Earnings Per Share (EPS): Our net income for 2001 increased by 14.6% to
$586.2 million from $511.5 million in 2000 and our diluted EPS increased by
11.8% to $3.13 from $2.80. While our net income in 2001 was positively impacted
by the conversion of the 4 1/4% Convertible Subordinated Debentures at the end
of 2000, the shares associated with the conversion of these debentures were
included in computing diluted EPS for both 2001 and 2000.

Critical Accounting Policies and New Accounting Pronouncements

      We are a holding company. Our business is conducted through more than
1,500 subsidiary agencies operating in more than 100 countries. Our agencies
provide a broad range of marketing and corporate communications services to more
the 5,000 clients representing nearly every industry sector.

      Critical Accounting Policies: We have prepared the following supplemental
summary of accounting policies to assist in better understanding our financial
statements and the related management discussion and analysis. Readers are
encouraged to consider this supplement together with our consolidated financial
statements and the related notes to our consolidated financial statements for a
more complete understanding of accounting policies discussed below.

      Estimates: Readers are reminded that the preparation of our financial
statements in conformity with generally accepted accounting principles, or
"GAAP", requires management to make estimates and assumptions. These estimates
and assumptions affect the reported amounts of assets and liabilities including
valuation allowances for receivables and deferred tax assets, accruals for bonus
compensation and the disclosure of contingent liabilities


                                       13
<PAGE>

at the date of the financial statements, as well as the reported amounts of
revenue and expenses during a reporting period. We evaluate these estimates on
an ongoing basis and we base our estimates on historical experience, current
conditions and various other assumptions we believe are reasonable under the
circumstances. Actual results can differ from those estimates, and it is
possible that the differences could be material.

      A fair value approach is used when evaluating cost based investments,
which consist of ownership interests in non-public companies, to determine if an
other than temporary impairment has occurred and in testing goodwill for
impairment under SFAS 142. The primary approach utilized to determine fair
values is a discounted cash flow methodology. When available and as appropriate,
we also use comparative market multiples to supplement the discounted cash flow
analysis. Numerous estimates and assumptions necessarily have to be made when
completing a discounted cash flow valuation, including estimates and assumptions
regarding interest rates, appropriate discount rates and capital structure.
Additionally, estimates must be made regarding revenue growth, operating
margins, tax rates, working capital requirements and capital expenditures.
Estimates and assumptions also need to be made when determining the appropriate
comparative market multiples to be used. Actual results of operations, cash
flows and other factors used in a discounted cash flow valuation will likely
differ from the estimates used and it is possible that differences and changes
could be material. Additional information about valuation of cost based
investments and impairment testing under SFAS 142, appears in notes 1 and 6, and
2 and 13, respectively to our consolidated financial statements.

      Revenue: Substantially all revenue is derived from fees for services.
Additionally, we earn commissions based upon the placement of advertisements in
various media. Revenue is realized when the service is performed, in accordance
with terms of the arrangement with our clients, and upon completion of the
earnings process, including when services are rendered, upon presentation date
for media, when costs are incurred for radio and television production and when
print production is completed and collection is reasonably assured.

      In the majority of our businesses we record revenue at the net amount
retained when the fee or commission is earned. In the delivery of certain
services to our clients, we incur costs on their behalf for which we are
reimbursed. Substantially all of our reimbursed costs relate to purchases on
behalf of our clients of media and production services. We normally have no
latitude in establishing the reimbursement price for these expenses and invoice
our clients for these expenses in an amount equal to the amount of costs
incurred. These reimbursed costs, which are a multiple of our revenue, are
significant. However, the majority of these costs are incurred on behalf of our
largest clients and we have not historically experienced significant losses in
connection with the reimbursement of these costs by clients.

      A small portion of our contractual arrangements with clients includes
performance incentive provisions designed to link a portion of our revenue to
our performance relative to both quantitative and qualitative goals. We
recognize this portion of revenue when the specific quantitative goals are
achieved, or when our performance against qualitative goals is determined by our
clients. Additional information about revenue appears in note 1 to our
consolidated financial statements on pages F-8 to F-11 of this report.

      Acquisitions and Goodwill: We have historically made and expect to
continue to make selective acquisitions. In making acquisitions, the price we
pay is determined by various factors, including service offerings, competitive
position, reputation and geographic coverage, as well as our prior experience
and judgment. The amount we paid for acquisitions, including cash, stock and
assumption of net liabilities totaled $680.1 million in 2002 and $844.7 million
in 2001.

      Our acquisition strategy is to continue to build upon the core
capabilities of our various strategic business platforms and agency brands
through the expansion of their service capabilities and/or their geographic
reach. In executing our acquisition strategy, one of the primary drivers in
identifying and executing a specific transaction is the existence of, or the
ability to, expand our existing client relationships. As a result, a significant
portion of an acquired company's revenues are often from clients that are
already our clients. In addition, due to the nature of marketing services
communications companies, the companies we acquire have minimal tangible and
identifiable intangible net assets. Accordingly, a substantial portion of the
purchase price is allocated to goodwill. Historically, goodwill and other
identifiable intangibles have been amortized on a straight-line basis over a
period not to exceed 40 years and have been written down if, and to the extent,
they have been determined to be impaired. Beginning in 2002, and as required by
SFAS 142, we are no longer amortizing goodwill and other intangible assets that
have indefinite lives. However, we perform an annual impairment test in order to
assess the reported value of the acquired intangibles.


                                       14
<PAGE>

      A summary of our contingent purchase price obligations, sometimes referred
to as earn-outs, and obligations to purchase additional interests in certain
subsidiary and affiliate companies is set forth on page 20 of this report. The
contingent purchase price obligations and obligations to purchase additional
interests in certain subsidiary and affiliate companies are based on future
performance. Contingent purchase price obligations are accrued, in accordance
with GAAP, when the contingency is resolved and payment is certain.

      Additional information about acquisitions and goodwill appears in notes 1
and 2 to our consolidated financial statements on pages F-10 and F-11 of this
report and information about changes in GAAP relative to accounting for
acquisitions and goodwill is described below in New Accounting Pronouncements
and in note 13 to our consolidated financial statements at page F-23 of this
report.

      Other Investments: Management continually monitors the value of its
investments to determine whether an other than temporary impairment has
occurred. A variety of factors are considered when making this determination
including the fair value of the investment and the financial condition and
prospects of the investee.

      At December 31, 2002, we held a non-voting, non-participating preferred
stock interest in Seneca Investments LLC, a holding company with investments
primarily in the e-services industry. Management believes that the fair value of
our Seneca investment exceeded our carrying value at December 31, 2002 and that
an other than temporary impairment has not occurred. The primary approach
utilized to determine fair value is a discounted cash flow methodology. We also
used comparative market multiples to supplement the discounted cash flow
analysis. As part of the valuation process, management also hired an
independent, third party valuation firm to perform a fair value analysis as of
December 31, 2002. In addition, we considered the ability for Seneca to continue
to conduct its operations as well as its financial prospects. Certain companies
owned by Seneca have profitable operations and are leaders in their industry. We
also consider our Seneca investment to be long-term and we have no current plans
or intentions of disposing of our investment. Additional information about
Seneca is contained in note 6 to our consolidated financial statements at pages
F-15 to F-16 of this report.

      Employee Stock-based Compensation: We account for employee stock option
grants in accordance with Accounting Principles Board Opinion 25 - Accounting
for Stock Issued to Employees ("APB 25"). We issue stock option awards with an
exercise price equal to the quoted market price on the grant date and therefore
we do not record any expense in our statement of income. In accordance with SFAS
No. 123, "Accounting for Stock Based Compensation" we have elected to make
annual pro forma disclosures (see note 7 to our consolidated financial
statements) of the effect of our reported net income and earnings per share as
if we adopted the fair value method of accounting for stock options. The FASB is
currently re-evaluating the accounting for stock-based compensation under APB 25
and SFAS 123 and whether to require that the theoretical fair value of employee
stock options be treated as an expense. We are evaluating our current method of
accounting for stock options and we are monitoring the FASB's consideration of
the matter, which will include a review of the valuation and measurement
concepts in SFAS 123. However, beginning in the first quarter of 2003, we will
include the pro forma disclosure requirements of SFAS 123, as recently amended
by SFAS 148, in all of our future interim financial statements. We will continue
to monitor the developments at the FASB for future guidance in the area of
accounting for stock-based compensation. The FASB has indicated that it expects
to issue an exposure draft during 2003 that could become effective in 2004.

      New Accounting Pronouncements: Several new accounting pronouncements were
issued recently and impact our financial statements as discussed below.

      SFAS 141 -- Business Combinations requires all business combinations
initiated after June 30, 2001 to be accounted for under the purchase method.
SFAS 141 superseded Accounting Pronouncement Bulletin ("APB") Opinion No. 16,
Business Combinations, and Statement of Financial Accounting Standards No. 38,
Accounting for Preacquisition Contingencies of Purchased Enterprises, and is
effective for all business combinations initiated after June 30, 2001.

      SFAS 142 - Goodwill and Other Intangible Assets addresses the financial
accounting and reporting for acquired goodwill and other intangible assets. SFAS
142 supersedes APB Opinion No. 17, Intangible Assets. Effective January 1, 2002,
we adopted SFAS 142, "Goodwill and Other Intangible Assets", and no longer
amortize goodwill and other intangibles with indefinite lives. These assets are
subject to periodic testing for impairments at least annually. Substantially all
of our assets subject to the impairment test consisted of goodwill.


                                       15
<PAGE>

We completed the annual impairment test required by SFAS 142 in the second
quarter of 2002 by comparing the fair value of our reporting units to their
carrying values. We also reassessed the useful lives of other intangibles that
are amortized. As of January 1, 2002, we concluded that the fair values of the
reporting units exceeded the carrying values of the reporting units. Therefore,
no impairment charge was recognized in 2002 and no changes were made to the
useful lives of our intangibles. Additional information about SFAS 142 is
contained in note 13 to our consolidated financial statements on page F-23 of
this report.

      SFAS 144 -- Accounting for the Impairment or Disposal of Long-Lived Assets
establishes a single accounting model for the impairment or disposal of
long-lived assets, including discontinued operations. Effective January 1, 2002,
the Company adopted SFAS 144, "Accounting for the Impairment or Disposal of
Long-Lived Assets". Adoption of SFAS 144 has not resulted in an impairment
charge.

      SFAS 146 -- Accounting for Costs Associated with Exit or Disposal
Activities requires costs associated with exit or disposal activities be
recognized and measured initially at fair value only when the liability is
incurred. SFAS 146 is effective for exit or disposal costs that are initiated
after December 31, 2002. We plan to adopt SFAS 146 effective January 1, 2003.
The impact of SFAS 146 on our financial statements will depend on a variety of
factors, including interpretative guidance from the FASB. However, we do not
expect that the adoption will have a material impact on our consolidated results
of operations or financial position.

      SFAS 148 -- Accounting for Stock-Based Compensation -- Transition and
Disclosure --- An Amendment of FASB No. 123 was issued as an amendment to FASB
No. 123, Accounting for Stock-Based Compensation and provides alternative
methods of transition for an entity that voluntarily changes to the fair value
based method of accounting for stock-based employee compensation (in accordance
with SFAS 123). We have applied the accounting provisions of APB Opinion No. 25,
"Accounting for Stock Issued to Employees", and we have made the annual pro
forma disclosures of the effect of adopting the fair value method of accounting
for employee stock options and similar instruments as required by SFAS 123 and
permitted under SFAS 148. SFAS 148 also requires pro forma disclosure to be
provided on a quarterly basis. We will begin the quarterly disclosures for the
first quarter of 2003 and will continue to closely monitor developments in the
area of accounting for stock-based compensation.

      FASB Interpretation No. 45 -- Guarantor's Accounting and Disclosure
Requirements for Guarantees, Including Indirect Guarantees of Indebtedness to
Others (FIN 45). FIN 45 sets forth the disclosures to be made by a guarantor in
its interim and annual financial statements about its obligations under
guarantees issued. FIN 45 also clarifies that a guarantor is required to
recognize, at inception of a guarantee, a liability for the fair value of the
obligation undertaken. The initial recognition and measurement provisions of FIN
45 are applicable to guarantees issued or modified after December 31, 2002. If
the initial recognition and measurement issues were in effect at December 31,
2002, we would have recorded both an asset and a liability of an equal amount of
$11.3 million related to certain real estate lease guarantees and letters of
credit. Additional information appears in note 11 to our consolidated financial
statements on pages F-21 and F-22 of this report.

      FASB Interpretation No. 46 -- Consolidation of Variable Interest Entities
(FIN 46). FIN 46 addresses the consolidation by business enterprises of variable
interest entities, as defined in the FIN 46 and is based on the concept that
companies that control another entity through interests, other than voting
interests, should consolidate the controlled entity. The consolidation
requirements apply immediately to FIN 46 interests held in variable interest
entities created after January 31, 2003, and to interests held in variable
interest entities that existed prior to February 1, 2003 and remain in existence
as of July 1, 2003. Additionally, FIN 46 would require certain disclosure in our
2002 financial statements if it was reasonably possible that we will consolidate
or disclose information about variable interest entities in existence as of July
1, 2003. The application of FIN 46 did not result in additional disclosure in
our 2002 financial statements and is not expected to have a material impact on
our 2003 consolidated results of operations or financial position.

      The Emerging Issues Task Force ("EITF") of the FASB also released
interpretive guidance covering several topics that impact our financial
statements. These topics include revenue arrangements with multiple deliverables
(EITF 00-21), customer relationship intangible assets acquired (EITF 02-17) and
vendor rebates (EITF 02-16). The application of this guidance did not have a
material impact on our consolidated results of operations or financial position.


                                       16
<PAGE>

Liquidity and Capital Resources

      Liquidity: We had cash and cash equivalents totaling $667.0 million and
$472.2 million and short-term investments totaling $28.9 million and $44.8
million at December 31, 2002 and 2001, respectively. Net cash provided by our
operating activities was $1,000.6 million in 2002 compared to $775.6 million in
2001. Our operating cash flows in 2002 reflect net income and cash provided from
decreases in prepaid expenses and other current assets and accounts receivable,
partially offset by cash utilized due to a net decrease in accounts payable and
other liabilities which include accruals for incentive compensation. At December
31, 2002 and 2001, our current liabilities exceeded our current assets by
$1,202.5 million and $1,410.0 million respectively. This occurred primarily
because accounts payable, which includes payables to vendors for media and other
pass-through costs, were in excess of accounts receivable because we generally
require payment from our clients before paying vendors for media, production
costs and other pass-through expenditures.

      Net cash flows used in our investing activities in 2002 were $683.1
million, including $586.3 million used for acquisitions, net of cash acquired,
and $117.2 million used for capital expenditures. Of the $586.3 million used for
acquisitions and investments, $324.8 million related to acquisitions completed
in prior years.

      Net cash flows used in our financing activities in 2002 were $119.8
million, including repayments of short-term borrowings of $127.7 million,
repayments of long-term debt of $340.0 million, dividends paid to shareholders
of $148.4 million and payments to repurchase stock of $371.7 million, offset by
borrowings of $900.0 million.

      Capital Resources: We maintain two revolving credit facilities with two
consortia of banks. On November 14, 2002, we entered into a new 3-year $800.0
million revolving credit facility which matures November 14, 2005. In addition,
we entered into a new $1,025.0 million 364-day revolving credit facility which
matures on November 13, 2003. These facilities replaced the existing facilities
which were due to mature in the second quarter of 2003. The company is an active
participant in the commercial paper market with a $1,500.0 million program. Each
of our bank credit facilities mentioned above are available to provide credit
support for issuances under this program. As of December 31, 2002, we had no
borrowings outstanding under these credit facilities. The new facilities are
substantially the same as the facilities they replaced. The 364-day facility
continues to include a provision which allows the Company to convert all amounts
outstanding at expiration of the facility into a one-year term loan. The
consortium of banks under the 364-day credit facility consists of 19 banks for
which Citibank N.A. acts as agent. Other significant lending institutions
include JPMorgan Chase Bank, HSBC Bank USA, San Paolo IMI S.p.A., Barclays,
Wachovia and Societe Generale. A similar consortium of 15 banks provides support
under the 3-year revolving credit facility for which Citibank N.A. acts as
administrative agent and ABN AMRO Bank acts as syndication agent. Other
significant lending institutions include HSBC Bank USA, JPMorgan Chase Bank,
Wachovia and Societe Generale. These facilities provide us with the ability to
classify up to $1,825.0 million of our borrowings due within one year as
long-term debt, as it is our intention to keep the borrowings outstanding on a
long-term basis.

      During 2002, we issued $32.8 billion of commercial paper and we redeemed
$33.1 billion. The average term of the commercial paper issued was 5.6 days. At
December 31, 2002, the Company had no commercial paper outstanding.

      We had short-term bank loans of $50.4 million at December 31, 2002,
primarily comprised of bank overdrafts by our international subsidiaries which
are treated as unsecured loans pursuant to the subsidiaries' bank agreements.

      At December 31, 2002, we had a total of $1,750.0 million aggregate
principal amount of convertible notes outstanding, including $850.0 million
Liquid Yield Option 30-year notes, which were issued in February 2001, and
$900.0 million Zero Coupon Zero Yield 30-year notes, which were issued in March
2002. The holders of our Liquid Yield Option notes have the right to cause us to
repurchase up to the entire aggregate face amount of the notes then outstanding
for par value in February of each year and the holders of our Zero Coupon Zero
Yield notes have the right to cause us to repurchase up to the entire aggregate
face amount of the notes then outstanding for par value in August of each year.
These notes are convertible, at a specified ratio, only upon the occurrence of
certain events, including if our common shares trade above certain levels, if we
effect extraordinary transactions or if our long-term debt ratings are
downgraded by at least three notches from their December 31, 2002 level of A to
BBB or lower by Standard & Poor's Ratings Services, or from their December 31,
2002 level of A3 to Baa3 or lower by Moody's Investors Services, Inc. The notes
are convertible at the specified ratio if our long-term debt ratings are
downgraded by at least two notches from their March 14, 2003 level of A- to BBB
or lower by Standard & Poor's Investors Services, Inc., and Baa1 to Baa3 or


                                       17
<PAGE>

lower by Moody's Investors Services, Inc. These events would not, however,
result in an adjustment of the number of shares issuable upon conversion. On
February 3, 2003, we offered to pay holders of the Liquid Yield Option notes due
in 2031, $30 in cash per $1,000 principal amount of notes. On February 7, 2003,
we repurchased for cash, $2.9 million of these notes from holders who tendered
their notes in lieu of the cash payment, reducing the outstanding aggregate face
amount of the Liquid Yield Option notes to $847.0 million. We paid $25.4 million
to qualified noteholders on February 21, 2003. Additional information about the
notes appears in notes 4 and 15 to our consolidated financial statements on
pages F-13 to F-25 of this report.

      At December 31, 2002, we had approximately $160.0 million of
Euro-denominated bonds outstanding. The bonds pay a fixed rate of 5.2% to
maturity in June 2005. The bonds serve as a hedge of our investment in
Euro-denominated net assets. While an increase in the value of the euro against
the dollar will result in a greater liability for interest and principal, there
will be a corresponding increase in the dollar value of our euro-denominated net
assets.

      Below is a summary of our debt position as of December 31, 2002 ($ in
millions):

         Debt:
           Bank loans (due in less than 1 year)................  $   50.4
           $800.0 Million Revolver-- due November 14, 2005.....        --
           Commercial paper issued under 364-day Facility .....        --
           5.20% Euro notes-- due June 24, 2005................     160.0
           Convertible notes-- due February 7, 2031............     850.0
           Convertible notes-- due July 31, 2032...............     900.0
           Loan notes and sundry-- various through 2012........      70.1
                                                                 --------
           Total Debt..........................................  $2,030.5
                                                                 ========

      On December 31, 2001, we redeemed our 2 1/4% Convertible Subordinate
Debentures, which had a scheduled maturity in 2013. The debentures were
convertible into 4.6 million common shares. Prior to redemption, substantially
all of the bondholders exercised their conversion rights.

      We believe that our operating cash flow combined with our available lines
of credit and our access to the capital markets are sufficient to support our
foreseeable cash requirements, including working capital, capital expenditures,
dividends and acquisitions.

      Additional information about our indebtedness is included in notes 3 and 4
of our consolidated financial statements at pages F-12 to F-14 of this report.

Quantitative and Qualitative Disclosures Regarding Market Risk

      Our results of operations are subject to the risk of currency exchange
rate fluctuations related to our international operations. Our net income is
subject to risk from the translation of the revenue and expenses of our foreign
operations, which are generally denominated in the local currency. The effects
of currency exchange rate fluctuation on our results of operations are discussed
on pages F-22 and F-23 of this report. We do not hedge these exposures against
the U.S. dollar in the normal course of our business. We do, however, conduct
global treasury operations to improve liquidity and manage third party interest
expense centrally. As an integral part of these operations, we enter into
short-term forward foreign exchange contracts to hedge intercompany cash
movements between subsidiaries operating in different currency markets. To the
extent that our treasury centers require liquidity, they can access local
currency lines of credit, our committed bank facilities or dollar-denominated
commercial paper. A foreign treasury center borrowing dollar-denominated
commercial paper will enter into a short-term foreign exchange contract to hedge
its position. Outside of major markets, our subsidiaries generally borrow funds
directly in their local currency. In addition, we periodically enter into
cross-currency interest rate swaps to hedge our net yen investments. While our
agencies conduct business in more than 70 different currencies, our major
non-U.S. currency markets are the European Monetary Union (EMU), the United
Kingdom, Japan, Brazil and Canada.


                                       18
<PAGE>

      At December 31, 2002, we had foreign exchange contracts outstanding with
an aggregate notional principal of $791.7 million, most of which were
denominated in our major international market currencies. Additionally, at
December 31, 2002, we had several cross-currency interest rate swaps in place
with an aggregate notional principal amount of 19,100 million Yen maturing in
2005. See note 12 to our consolidated financial statements at pages F-22 to F-23
of this report for information about the fair value of each type of derivative
instrument.

      The forward foreign exchange and swap contracts discussed above are
subject to counterparty risk. Counterparty risk is the capacity of a
counterparty to meet its obligations upon settlement. To mitigate counterparty
risk, we only enter into contracts with major well-known banks and financial
institutions that have credit ratings at least equal to our own.

      These hedging activities are limited in volume and confined to risk
management activities related to our international operations. We have
established a centralized reporting system to evaluate the effects of changes in
interest rates, currency exchange rates and other relevant market risks. We
periodically determine the potential loss from market risk by performing a
value-at-risk computation. Value-at-risk analysis is a statistical model that
utilizes historic currency exchange and interest rate data to measure the
potential impact on future earnings of our existing portfolio of derivative
financial instruments. The value-at-risk analysis we performed on our December
31, 2002 portfolio of derivative financial instruments indicated that the risk
of loss was immaterial. This overall system is designed to enable us to initiate
remedial action, if appropriate.

      We maintain two revolving credit facilities aggregating $1,825.0 million
with two consortia of banks. We are an active participant in the commercial
paper market with a $1,500.0 million program. Our bank credit facilities
mentioned above are available to provide credit support for issuances under this
program.

      The majority of our long-term debt consists of convertible notes. The
holders of these convertible notes have the annual right to cause us to
repurchase up to the entire aggregate face amount. We may offer the holders of
our notes a cash payment to induce them to not put the notes to us in advance of
an annual put date. As a result, our interest expense could increase based on
market factors at the time. On February 3, 2003, we offered to pay holders of
the Liquid Yield Option notes due in 2031, $30 per $1,000 principal amount as an
incentive to the holders not to exercise their put right. In addition, on
February 7, 2003, we repurchased for cash, notes from holders who tendered their
notes for $2.9 million, reducing the outstanding amount of the Liquid Yield
Option notes due 2031 to $847.0 million.

      We enter into numerous contractual and commercial undertakings in the
normal course of our business. The following table summarizes information about
certain of our obligations as of December 31, 2002. The table should be read
together with note 3 (bank loans and lines of credit), note 4 (long-term debt
and convertible notes), note 10 (commitments and contingent liabilities), note
11 (fair value of financial instruments) and note 12 (financial instruments and
market risk) to our consolidated financial statements at pages F-8 to F-25 of
this report.

<TABLE>
<CAPTION>
                                              Due in           Due in              Due
                                            Less than 1        1 to 5            after 5           Total
                                               Year             Years             Years             Due
                                             ---------        ---------         ---------        ---------
<S>                                            <C>             <C>              <C>               <C>
Contractual Obligations at
  December 31, 2002                                                  (in millions)
Long-term debt...........................      $ 32.4          $  197.9         $     --          $  230.3
Convertible notes........................         2.9                --          1,747.0           1,749.9
Lease obligations........................       381.7             940.2            825.3           2,147.2
                                               ------          --------         --------          --------
Total....................................      $417.0          $1,138.1         $2,572.3          $4,125.4
                                               ======          ========         ========          ========
</TABLE>

<TABLE>
<CAPTION>

                                              Due in           Due in              Due
                                            Less than 1        1 to 5            after 5           Total
                                               Year             Years             Years             Due
                                             ---------        ---------         ---------        ---------
<S>                                            <C>               <C>              <C>              <C>
Other Commercial Commitments at
  December 31, 2002                                                  (in millions)
Lines of Credit..........................      $ --              $ --             $ --             $ --
Guarantees and letters of credit.........       3.3               7.1              0.9              11.3
                                               ----              ----             ----             -----
Total....................................      $3.3              $7.1             $0.9             $11.3
                                               ====              ====             ====             =====
</TABLE>


                                       19
<PAGE>

      In the normal course of business, our agencies enter into various media
commitments on behalf of our clients. These commitments are included in our
accounts payable balance when the media services are delivered by the providers.
Historically, we have not experienced significant losses for media commitments
entered into on behalf of our clients and we believe that we do not have any
substantial exposure to potential losses of this nature in the future.

Contingent Acquisition Obligations

      Certain of our acquisitions are structured with additional contingent
purchase price obligations. We utilize contingent purchase price structures in
an effort to minimize the risk to the Company associated with potential future
negative changes in the performance of the acquired entity. We estimate that the
amount of future contingent purchase price payments, assuming that the acquired
businesses perform over the relevant future periods at their current profit
levels, that we will be required to make for prior acquisitions is $471.3
million as of December 31, 2002. The ultimate amounts payable are dependent upon
future results, are subject to changes in foreign currency exchange rates and,
in accordance with GAAP, we have not recorded a liability for these items on our
balance sheet. Actual results can differ from these estimates and the actual
amounts that we pay are likely to be different from these estimates. These
obligations change from period to period as a result of payments made during the
current period, changes in the previous estimate of the acquired entities'
performance and changes in foreign currency exchange rates. These differences
could be material. We estimate these contingent purchase price obligations as of
December 31, 2002, on an annual basis, are as follows:

                                ($ in millions)
        ------------------------------------------------------------------------
                                                            There-
        2003         2004         2005          2006        after         Total
       -------      -------      -------       -------     -------       -------
       $220.3       $121.1        $82.1         $29.2       $18.6        $471.3

      In addition, owners of interests in certain of our subsidiaries or
affiliates have the right in certain circumstances to require us to purchase
additional ownership stakes in these subsidiaries or affiliates which we
estimate, assuming that the subsidiaries and affiliates perform over the
relevant periods at their current profit levels, could require us in future
periods to pay an additional aggregate of $234.5 million, $134.4 million of
which are currently exercisable. The ultimate amount payable in the future
relating to these transactions will vary because it is dependent on the future
results of operations of the subject businesses and the timing of when these
rights are exercised. The actual amounts that we pay are likely to be different
from these estimates. These differences could be material. We estimate the
obligations that exist for these agreements as of December 31, 2002 are as
follows:

                                                     ($ in millions)
                                         ---------------------------------------
                                          Currently   Not Currently
                                         Exercisable   Exercisable       Total
                                         ----------    ----------       --------
     ($ in millions)
Subsidiary agencies ...............       $  115.4       $   94.0       $  209.4
Affiliated agencies ...............           19.0            6.1           25.1
                                          --------       --------       --------
Total .............................       $  134.4       $  100.1       $  234.5
                                          ========       ========       ========

      If these rights are exercised, there would likely be an increase in our
net income as a result of our increased ownership and the reduction of minority
interest expense.

8. Financial Statements and Supplementary Data

      Our financial statements and supplementary data are included at the end of
this report beginning on page F-1 of this report. See the index appearing on
page 22 of this report.

9. Changes and Disagreements with Accountants on Accounting and Financial
   Disclosure

      None.


                                       20
<PAGE>

                                    PART III

10. Executive Officers

      The executive officers of Omnicom Group Inc. as of March 15, 2003 are:

           Name                               Position                     Age
           ----                               --------                     ---
Bruce Crawford.............  Chairman                                      74
John D. Wren...............  President and Chief Executive Officer         50
Philip J. Angelastro.......  Senior Vice President of Finance and
                                Controller                                 38
Jean-Marie Dru.............  President and Chief Executive Officer
                                of TBWA Worldwide                          56
Thomas L. Harrison.........  Chairman and Chief Executive Officer of
                                Diversified Agency Services                55
Peter Mead.................  Vice Chairman                                 63
Keith L. Reinhard..........  Chairman of DDB Worldwide                     68
Allen Rosenshine...........  Chairman and Chief Executive Officer of
                                BBDO Worldwide                             64
Barry J. Wagner............  Secretary and General Counsel                 62
Randall J. Weisenburger....  Executive Vice President and Chief
                                Financial Officer                          44

      All of the executive officers have held their present positions at Omnicom
for at least five years except as specified below.

      Philip Angelastro was promoted to Senior Vice President of Finance in
January 2002 and was made Controller on February 1, 1999. Mr. Angelastro joined
the Company in June 1997 as Vice President of Finance of Diversified Agency
Services after being a Partner at Coopers & Lybrand LLP.

      Jean-Marie Dru was appointed President and Chief Executive Officer of TBWA
Worldwide in March 2001. He had previously been President International of TBWA
Worldwide. Mr. Dru was co-founder and Chairman of BDDP Group, which merged with
TBWA in 1998.

      Thomas Harrison has served as Chairman and Chief Executive Officer of
Diversified Agency Services since May 1998, having previously served as its
President since February 1997. He also has served as Chairman of the Diversified
Healthcare Communications Group since its formation in 1994.

      Peter Mead was appointed Vice Chairman on May 16, 2000. He had previously
been Group Chief Executive of Abbot Mead Vickers plc and Joint Chairman of AMV
BBDO.

      Randall Weisenburger joined the Company in September 1998 and became
Executive Vice President and Chief Financial Officer on January 1, 1999. Mr.
Weisenburger was previously President and Chief Executive Officer of Wasserstein
Perella Management Partners.

      Additional information about our directors and executive officers appears
under the captions "Election of Directors", "Management's Stock Ownership",
"Director Compensation" and "Executive Compensation" in our 2003 proxy
statement.

14. Controls and Disclosure

      We maintain disclosure controls and procedures designed to ensure that
information required to be included in our SEC reports is recorded, analyzed and
reported within applicable time periods. During the 90-day period prior to the
filing of this report, we conducted an evaluation, under the supervision and
with the participation of our management, including our CEO and CFO, of the
effectiveness of our disclosure controls and procedures. Based on that
evaluation, our CEO and CFO concluded that they believe that our disclosure
controls and procedures are effective to ensure recording, analysis and
reporting of information required to be included in our SEC reports on a timely
basis. There have been no significant changes in our internal controls or others
factors that could be reasonably expected to significantly affect the
effectiveness of these controls since that evaluation was completed.


                                       21
<PAGE>

                                     PART IV

15. Exhibits, Financial Statement Schedules, and Reports on Form 8-K

(a)(1) Financial Statements:                                                Page
                                                                            ----
       Management Report ................................................   F-1
       Report of Independent Public Accountants .........................   F-2
       Consolidated Statements of Income for the Three Years Ended
          December 31, 2002 .............................................   F-3
       Consolidated Balance Sheets at December 31, 2002 and 2001 ........   F-4
       Consolidated Statements of Shareholders' Equity for the Three
          Years Ended December 31, 2002 .................................   F-5
       Consolidated Statements of Cash Flows for the Three Years Ended
          December 31, 2002 .............................................   F-6
       Notes to Consolidated Financial Statements .......................   F-7
       Quarterly Results of Operations (Unaudited) ......................   F-26

(a)(2) Financial Statement Schedules:
       Schedule II - Valuation and Qualifying Accounts (for the three
          years ended December 31, 2002) ................................   S-1
       All other schedules are omitted because they are not applicable.

(a)(3) Exhibits:

       Exhibit
       Numbers       Description
       -------       -----------
       (3)(i)        Certificate of Incorporation (Exhibit 4.1 to our
                     Registration Statement No. 333-46303 and incorporated by
                     reference).

         (ii)        Amendment to Certificate of Incorporation (Exhibit A to our
                     Proxy Statement filed on April 11, 2000 ("2000 Proxy
                     Statement") and incorporated by reference).

         (iii)       By-laws (incorporated by reference to our Annual Report on
                     Form 10-K for the year ended December 31, 1987).

       4.1           Fiscal Agency Agreement, dated June 24, 1998, in connection
                     with our issuance of 1,000,000,000 5.20% Notes due 2005
                     (the "5.20% Notes") (Exhibit 4.1 to our Quarterly Report on
                     Form 10-Q for the quarter ended June 30, 1998 (the "6-30-98
                     10-Q") and incorporated herein by reference).

       4.2           Subscription Agreement, dated June 22, 1998, in connection
                     with our issuance of the 5.20% notes (Exhibit 4.2 to our
                     6-30-98 10-Q and incorporated by reference).

       4.3           Deed of Covenant, dated June 24, 1998, in connection with
                     our issuance of the 5.20% notes (Exhibit 4.3 to the 6-30-98
                     10-Q and incorporated by reference).

       4.4           Indenture, dated February 7, 2001, between JPMorgan Chase
                     Manhattan Bank, as trustee, and us in connection with our
                     issuance of $850,000,000 Liquid Yield Option notes due 2031
                     (Exhibit 4.1 to our Registration Statement on Form S-3
                     (Registration Statement No. 333-55386 and incorporated by
                     reference).

       4.5           Form of Liquid Yield Option notes due 2031 (included in
                     Exhibit 4.4 above).

       4.6           Indenture, dated March 6, 2002, between JPMorgan Chase Bank
                     as trustee and us in connection with our issuance of
                     $900,000,000 Zero Coupon Zero Yield Convertible notes due
                     2032 (Exhibit 4.6 to our Annual Report on Form 10-K for the
                     year ended December 31, 2001 and incorporated by
                     reference).

       4.7           Form of Zero Coupon Zero Yield Convertible notes due 2032
                     (included in Exhibit 4.6).

      10.1           $800,000,000 Credit Agreement, dated November 14, 2002,
                     among Omnicom Finance Inc., Omnicom Capital Inc., Omnicom
                     Finance PLC, Omnicom Group Inc., Salomon Smith Barney Inc.
                     and ABN AMRO Incorporated, as lead arrangers for the
                     institutions party thereto.

      10.2           364-Credit Agreement, dated November 14, 2002, among
                     Omnicom Finance Inc., Omnicom Capital Inc., Omnicom Finance
                     PLC, the financial institutions party thereto, Citibank,
                     N.A.,


                                       22
<PAGE>

                     as Administrative Agent and Salomon Smith Barney Inc., as
                     Lead Arranger, ABN AMRO Bank N.V., as syndication agent,
                     HSBC Bank USA, Wachovia Bank, National Association and
                     Societe Generale, as documentation agents.

      10.3           List of Contents of Exhibits to the $800,000,000 Credit
                     Agreement dated November 14, 2002.

      10.4           List of Contents of Exhibits to the 364-Day Credit
                     Agreement, dated November 14, 2002.

      10.5           Guaranty, dated November 14, 2002, made by Omnicom Group
                     Inc. for the $800,000,000 Credit Agreement.

      10.6           Guaranty, dated November 14, 2002, made by Omnicom Group
                     Inc. for the 364-Day Credit Agreement.

      10.7           Amended and Restated 1998 Incentive Compensation Plan
                     (Exhibit B to our 2000 Proxy Statement and incorporated by
                     reference).

      10.8           Restricted Stock Plan for Non-employee Directors (Exhibit
                     10.10 to our Annual Report on Form 10-K for the year ended
                     December 31, 1999 and incorporated by reference).

      10.9           Standard form of our Executive Salary Continuation Plan
                     Agreement (Exhibit 10.24 to our Annual Report on Form 10-K
                     for the year ended December 31, 1998 and incorporated by
                     reference).

      10.10          Standard form of the Director Indemnification Agreement
                     (Exhibit 10.25 to our Annual Report on Form 10-K for the
                     year ended December 31, 1989 and incorporated by
                     reference).

      10.11          Severance Agreement, dated July 6, 1993, between Keith
                     Reinhard and DDB Worldwide Communications Group, Inc.
                     (Exhibit 10.11 to our Annual Report on Form 10-K for the
                     year ended December 31, 1993 and incorporated by
                     reference).

      10.12          Long-Term Shareholder Value Plan, dated March 19, 2002
                     (Exhibit 4.4 to our Registration Statement on Form S-8 No.
                     333-84498 and incorporated by reference).

      10.13          Executive Salary Continuation Plan Agreement - Thomas
                     Harrison (Exhibit 10.7A to our Quarterly Report on Form
                     10-Q for the quarter ended June 30, 2002 (the "6-30-02
                     10-Q") and incorporated by reference).

      10.14          Executive Salary Continuation Plan Agreement - Peter Mead
                     (Exhibit 10.7B to our 6-30-02 10-Q and incorporated by
                     reference).

      10.15          Executive Salary Continuation Plan Agreement - Keith L.
                     Reinhard (Exhibit 10.7C to our 6-30-02 10-Q and
                     incorporated by reference).

      10.16          Executive Salary Continuation Plan Severance Compensation
                     Agreement - Allen Rosenshine (Exhibit 10.7D to our 6-30-02
                     10-Q and incorporated by reference).

      10.17          Executive Salary Continuation Plan Agreement - John Wren
                     (Exhibit 10.7E to our 6-30-02 10-Q and incorporated by
                     reference).

      10.18          Employment Agreement, Executive Salary Continuation Plan
                     Agreement and Note - Michael Greenlees (Exhibit 10.7F to
                     our 6-30-02 10-Q and incorporated by reference).

      10.19          Equity Incentive Plan, dated May 22, 2002.

      21.1           Subsidiaries of the Registrant.

      23.1           Consent of KPMG LLP.

      24.1           Powers of Attorney from Leonard S. Coleman, Jr., Errol M.
                     Cook, Bruce Crawford, Susan S. Denison, Michael A. Henning,
                     John R. Murphy, John R. Purcell, Linda Johnson Rice and
                     Gary L. Roubos.

      99.1           Certification of Annual Report on Form 10-K.

(b)   Reports on Form 8-K

       On October 29, 2002, we filed a Current Report on Form 8-K to file under
Item 5 our third quarter earnings release and to furnish under Item 9
(Regulation FD Disclosure) the text of materials used in our investor
presentation.

       On December 31, 2002, we filed a Current Report on Form 8-K describing
under Item 9 changes to the Board of Directors effective December 31, 2002.


                                       23
<PAGE>

                                   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.

                                      OMNICOM GROUP INC.

March 26, 2003

                                      By: /s/ RANDALL J. WEISENBURGER
                                          --------------------------------------
                                                     Randall J. Weisenburger
                                                  Executive Vice President and
                                                     Chief Financial Officer

       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.

           Signature                         Title                     Date
           ---------                         -----                     ----

     /s/ BRUCE CRAWFORD*             Chairman and Director        March 26, 2003
- ----------------------------
      (Bruce Crawford)

      /s/ JOHN D. WREN              Chief Executive Officer       March 26, 2003
- ----------------------------      and President and Director
       (John D. Wren)

 /s/ RANDALL J. WEISENBURGER     Executive Vice President and     March 26, 2003
- ----------------------------        Chief Financial Officer
  (Randall J. Weisenburger)

  /s/ PHILIP J. ANGELASTRO   Senior Vice President and Controller March 26, 2003
- ----------------------------    (Principal Accounting Officer)
   (Philip J. Angelastro)

                                            Director
- ----------------------------
   (Robert Charles Clark)

/s/ LEONARD S. COLEMAN, JR.*                Director              March 26, 2003
- ----------------------------
  (Leonard S. Coleman, Jr.)

     /s/ ERROL M. COOK*                     Director              March 26, 2003
- ----------------------------
       (Errol M. Cook)

    /s/ SUSAN S. DENISON*                   Director              March 26, 2003
- ----------------------------
     (Susan S. Denison)

   /s/ MICHAEL A. HENNING*                  Director              March 26, 2003
- ----------------------------
    (Michael A. Henning)

     /s/ JOHN R. MURPHY*                    Director              March 26, 2003
- ----------------------------
      (John R. Murphy)

    /s/ JOHN R. PURCELL*                    Director              March 26, 2003
- ----------------------------
      (John R. Purcell)

   /s/ LINDA JOHNSON RICE*                  Director              March 26, 2003
- ----------------------------
    (Linda Johnson Rice)

     /s/ GARY L. ROUBOS*                    Director              March 26, 2003
- ----------------------------
      (Gary L. Roubos)


       The undersigned, by signing his name below, does hereby sign this report
pursuant to powers of attorney signed by the persons identified by asterisks
above.

                                        By:       /s/ BARRY J. WAGNER
                                           ----------------------------------
                                                  (Barry J. Wagner,
                                                  Attorney-in-fact)


                                       24
<PAGE>

                                  CERTIFICATION

I, John D. Wren, certify that:

      1.    I have reviewed this annual report on Form 10-K of Omnicom Group
            Inc.;

      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 in order 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 officer 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 officer and I have disclosed,
            based on our most recent evaluation, to the registrant's auditors
            and the audit committee of the 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; and

      6.    The registrant's other certifying officer 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.


Date: March 26, 2003                             /s/ JOHN D. WREN
                                      ----------------------------------------
                                                    John D. Wren
                                       Chief Executive Officer and President


                                       25
<PAGE>

CERTIFICATION

I, Randall J. Weisenburger, certify that:

      1.    I have reviewed this annual report on Form 10-K of Omnicom Group
            Inc.;

      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 in order 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 officer 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 officer and I have disclosed,
            based on our most recent evaluation, to the registrant's auditors
            and the audit committee of the 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; and

      6.    The registrant's other certifying officer 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.


Date:March 26, 2003                            /s/ RANDALL J. WEISENBURGER
                                           ------------------------------------
                                                 Randall J. Weisenburger
                                              Executive Vice President and
                                                 Chief Financial Officer


                                       26
<PAGE>

                                MANAGEMENT REPORT

      Omnicom Group Inc. management is responsible for the integrity of the
financial data reported by Omnicom. Management uses its best judgement to ensure
that the financial statements present fairly, in all material respects,
Omnicom's consolidated financial position and results of operations. These
financial statements have been prepared in accordance with accounting principles
generally accepted in the United States.

      Omnicom's system of internal controls, augmented by a program of internal
audits, is designed to provide reasonable assurance that assets are safeguarded
and records are maintained to substantiate the preparation of financial
information in accordance with accounting principles generally accepted in the
United States. Underlying this concept of reasonable assurance is the premise
that the cost of controls should not exceed the benefits derived therefrom.

      The financial statements have been audited by independent public
accountants. Their report expresses the independent accountant's judgement as to
the fairness of management's reported operating results, cash flows and
financial position. This judgement is based on the procedures described in the
second paragraph of their report.

      Omnicom's Audit Committee meets periodically with representatives of
financial management, internal audit and the independent public accountants as
part of its oversight functions. To aid in ensuring independence, the Audit
Committee communicates directly and separately with the independent public
accountants, internal audit and financial management to discuss their respective
activities.

           /s/ JOHN D. WREN                       /s/ RANDALL J. WEISENBURGER
- ---------------------------------------        ---------------------------------
             John D. Wren                           Randall J. Weisenburger
 Chief Executive Officer and President            Executive Vice President and
                                                    Chief Financial Officer

February 21, 2003


                                      F-1
<PAGE>

                          INDEPENDENT AUDITORS' REPORT

To the Board of Directors and
  Shareholders of Omnicom Group Inc.:

      We have audited the accompanying consolidated balance sheet of Omnicom
Group Inc. and subsidiaries as of December 31, 2002, and the related
consolidated statements of income, shareholders' equity and cash flows for the
year then ended. In connection with our audit of the consolidated financial
statements, we also have audited the related 2002 financial statement schedule.
These consolidated financial statements and financial statement schedule are the
responsibility of Omnicom Group Inc.'s management. Our responsibility is to
express an opinion on these consolidated financial statements and financial
statement schedule based on our audit. The consolidated financial statements and
related financial statement schedules of Omnicom Group Inc. and subsidiaries as
of December 31, 2001 and 2000 and for the years then ended were audited by other
auditors who have ceased operations. Those auditors expressed an unqualified
opinion on those financial statements and related financial statement schedules
in their report dated February 18, 2002 (except with respect to the matter
discussed in Note 14, as to which the date is March 20, 2002).

      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 provides a
reasonable basis for our opinion.

      In our opinion, the 2002 consolidated financial statements referred to
above present fairly, in all material respects, the financial position of
Omnicom Group Inc. and subsidiaries as of December 31, 2002 and the results of
their operations and their cash flows for the year then ended in conformity with
accounting principles generally accepted in the United States of America. Also,
in our opinion, the related 2002 financial statement schedule on page S-1, when
considered in relation to the basic consolidated financial statements taken as a
whole, presents fairly, in all material respects, the information set forth
therein.

      As discussed in Note 13 to the consolidated financial statements, Omnicom
Group Inc. changed its method of accounting for goodwill and other intangibles
in 2002.

                                                                    /s/ KPMG LLP

New York, New York
February 21, 2003


                                      F-2
<PAGE>

                    REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS

To the Board of Directors and
  Shareholders of Omnicom Group Inc.:

      We have audited the accompanying consolidated balance sheets of Omnicom
Group Inc. (a New York corporation) and subsidiaries as of December 31, 2001 and
2000, and the related consolidated statements of income, shareholders' equity,
and cash flows for each of the three years in the period ended December 31,
2001. These financial statements and the schedule referred to below are the
responsibility of the Company's management. Our responsibility is to express an
opinion on these financial statements and schedule based on our audits.

      We conducted our audits in accordance with auditing standards generally
accepted in the United States. 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 audits provide a reasonable basis
for our opinion.

      In our opinion, the financial statements referred to above present fairly,
in all material respects, the financial position of Omnicom Group Inc. and
subsidiaries as of December 31, 2001 and 2000, and the results of their
operations and their cash flows for each of the three years in period ended
December 31, 2001 in conformity with accounting principles generally accepted in
the United States.

      Our audits were made for the purpose of forming an opinion on the basic
financial statements taken as a whole. The schedule on page S-1 is presented for
purposes of complying with the Securities and Exchange Commission's rules and is
not part of the basic financial statements. This schedule has been subjected to
the auditing procedures applied in the audits of the basic financial statements
and, in our opinion, fairly states, in all material respects, the financial data
required to be set forth therein in relation to the basic financial statements
taken as a whole.

                                                             ARTHUR ANDERSEN LLP

New York, New York
February 18, 2002 (except with respect to the matter discussed in Note 14, as to
which the date is March 20, 2002)

THIS IS A COPY OF A REPORT ISSUED BY ARTHUR ANDERSEN LLP, OUR FORMER INDEPENDENT
AUDITORS, AS OF THE DATES INDICATED ABOVE, AND HAS NOT BEEN REISSUED BY ARTHUR
ANDERSEN LLP SINCE THOSE DATES.


                                      F-3
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES

                        CONSOLIDATED STATEMENTS OF INCOME
<TABLE>
<CAPTION>
                                                       Years Ended December 31,
                                                         (Dollars in Thousands
                                                        Except Per Share Data)
                                            --------------------------------------------
                                               2002            2001              2000
<S>                                         <C>            <C>               <C>
REVENUE .................................   $ 7,536,299    $ 6,889,406       $ 6,154,230

OPERATING EXPENSES:
   Salary and service costs .............     4,952,929      4,420,929         3,847,765
   Office and general expenses ..........     1,479,255      1,500,293         1,428,375
                                            -----------    -----------       -----------
                                              6,432,184      5,921,222         5,276,140
                                            -----------    -----------       -----------
OPERATING PROFIT ........................     1,104,115        968,184           878,090

REALIZED GAIN ON SALE OF RAZORFISH SHARES            --             --           110,044

NET INTEREST EXPENSE:
   Interest expense .....................        45,509         90,922           116,681
   Interest income ......................       (15,017)       (18,123)          (40,164)
                                            -----------    -----------       -----------
                                                 30,492         72,799            76,517
                                            -----------    -----------       -----------
INCOME BEFORE INCOME TAXES ..............     1,073,623        895,385           911,617

INCOME TAXES ............................       375,637        352,128           369,140
                                            -----------    -----------       -----------
INCOME AFTER INCOME TAXES ...............       697,986        543,257           542,477

EQUITY IN AFFILIATES ....................        13,811         12,667            10,914

MINORITY INTERESTS ......................       (68,338)       (52,782)          (54,596)
                                            -----------    -----------       -----------
NET INCOME ..............................   $   643,459    $   503,142       $   498,795
                                            ===========    ===========       ===========

NET INCOME PER COMMON SHARE:
   Basic ................................   $      3.46    $      2.75(a)    $      2.85(a)
   Diluted ..............................   $      3.44    $      2.70(a)    $      2.73(a)

- ----------
(a)   Years Ended December 31, 2001 and 2000, adjusted to exclude goodwill
      amortization:

Adjusted Net Income                                        $   586,208       $   575,313

Adjusted Net Income Per Common Share - basic               $      3.21       $      3.30
Adjusted Net Income Per Common Share - diluted             $      3.13       $      3.13
</TABLE>

          The accompanying notes to consolidated financial statements
                   are an integral part of these statements.


                                      F-4
<PAGE>

                      OMNICOM GROUP INC. AND SUBSIDIARIES

                          CONSOLIDATED BALANCE SHEETS
<TABLE>
<CAPTION>
                                                                                         December 31,
                                                                                    (Dollars in Thousands)
                                                                                ----------------------------
                                                                                    2002            2001
                                                                                ------------    ------------
<S>                                                                             <C>             <C>
                                  A S S E T S
CURRENT ASSETS:
   Cash and cash equivalents ................................................   $    666,951    $    472,151
   Short-term investments at market, which approximates cost ................         28,930          44,848
   Accounts receivable, less allowance for doubtful accounts
      of $75,575 and $79,183 ................................................      3,966,550       3,720,790
   Billable production orders in process, at cost ...........................        371,816         382,750
   Prepaid expenses and other current assets ................................        602,819         613,285
                                                                                ------------    ------------
   Total Current Assets .....................................................      5,637,066       5,233,824
                                                                                ------------    ------------
FURNITURE, EQUIPMENT AND LEASEHOLD IMPROVEMENTS, at cost, less
   accumulated depreciation and amortization of $717,294 and $611,756 .......        557,735         537,955
INVESTMENTS IN AFFILIATES ...................................................        137,303         186,156
GOODWILL ....................................................................      4,850,829       3,859,162
INTANGIBLES, net of accumulated amortization of $88,132 and $57,804 .........         97,730          93,682
DEFERRED TAX BENEFITS .......................................................         42,539         100,418
OTHER ASSETS ................................................................        496,600         606,217
                                                                                ------------    ------------
   TOTAL ASSETS .............................................................   $ 11,819,802    $ 10,617,414
                                                                                ============    ============
      L I A B I L I T I E S  A N D  S H A R E H O L D E R S'  E Q U I T Y
CURRENT LIABILITIES:
   Accounts payable .........................................................   $  4,833,681    $  4,303,152
   Advance billings .........................................................        648,577         640,750
   Current portion of long-term debt ........................................         35,256          40,444
   Bank loans ...............................................................         50,394         169,056
   Accrued taxes ............................................................        294,420         366,821
   Other liabilities ........................................................        977,196       1,123,564
                                                                                ------------    ------------
   Total Current Liabilities ................................................      6,839,524       6,643,787
                                                                                ------------    ------------
LONG-TERM DEBT ..............................................................        197,861         490,105
CONVERTIBLE NOTES ...........................................................      1,747,037         850,000
DEFERRED COMPENSATION AND OTHER LIABILITIES .................................        293,638         296,980
MINORITY INTERESTS ..........................................................        172,815         158,123
SHAREHOLDERS' EQUITY:
   Preferred stock, $1.00 par value, 7,500,000 shares authorized, none issued
   Common stock, $0.15 par value, 1,000,000,000 shares authorized,
      198,600,891 and 198,669,254 shares issued in 2002 and 2001,
      respectively ..........................................................         29,790          29,800
   Additional paid-in capital ...............................................      1,419,910       1,400,138
   Retained earnings ........................................................      2,114,506       1,619,874
   Unamortized restricted stock .............................................       (136,357)       (125,745)
   Accumulated other comprehensive loss .....................................       (154,142)       (295,358)
   Treasury stock, at cost 10,199,215 and 8,040,688 shares
      in 2002 and 2001, respectively ........................................       (704,780)       (450,290)
                                                                                ------------    ------------
   Total Shareholders' Equity ...............................................      2,568,927       2,178,419
                                                                                ------------    ------------
   TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY: ..............................   $ 11,819,802    $ 10,617,414
                                                                                ============    ============
</TABLE>

          The accompanying notes to consolidated financial statements
                   are an integral part of these statements.


                                      F-5
<PAGE>

                      OMNICOM GROUP INC. AND SUBSIDIARIES
                 CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY

                       Three Years Ended December 31, 2002
                             (Dollars in Thousands)
<TABLE>
<CAPTION>

                                                                                                Accumulated
                                            Common Stock        Additional         Unamortized     Other                   Total
                        Comprehensive  ----------------------    Paid-in   Retained Restricted Comprehensive Treasury  Shareholders'
                           Income      Shares       Par Value    Capital   Earnings    Stock   (Loss) Income   Stock       Equity
                        -------------  ------       ---------   ---------- -------- ---------- ------------- --------  -------------
<S>                        <C>       <C>             <C>        <C>        <C>        <C>        <C>        <C>          <C>
Balance December 31,
  1999                               187,086,161     $93,543    $ 808,154  $ 882,051  $ (85,919) $285,234   $(430,165)   $1,552,898
Comprehensive Income:
  Net Income ............. $498,795                                          498,795                                        498,795
  Unrealized loss on
  investments net of
  taxes of $251,589 ...... (372,764)                                                             (372,764)                 (372,764)
Translation adjustments,
  net of taxes of
  $54,912 ................  (80,707)                                                              (80,707)                  (80,707)
Reclassification
  adjustment for gain on
  sale of securities ne
  of taxes of $46,218 ....  (63,826)                                                              (63,826)                  (63,826)
                           --------
Comprehensive (loss) .....  (18,502)
                           ========
Dividends Declared .......                                                  (122,278)                                      (122,278)
Amortization of
  restricted shares ......                                                               39,098                              39,098
Shares transactions
  under employee stock
  plans ..................                                         65,521               (72,975)              107,291        99,837
Shares issued for
  acquisitions ...........                81,508          12       10,080                                       5,939        16,031
Conversion of 4.25%
  debentures .............             6,935,143       1,040      216,841                                         594       218,475
Purchase of treasury
  shares                                                                                                     (237,082)     (237,082)
Adjustment for change
  in par value ...........                           (65,480)     65,480                                                         --
                                     -----------     -------   ---------- ----------  ---------  ---------  ---------    ----------
Balance December 31,
  2000 ...................           194,102,812      29,115    1,166,076  1,258,568   (119,796) (232,063)   (553,423)    1,548,477
Comprehensive Income:
Net Income ...............  503,142                                          503,142                                        503,142
Unrealized gain on
  investments net of
  taxes of $11,518 .......   18,976                                                                18,976                    18,976
Translation adjustments,
  net of taxes of
  $49,939 ................  (82,271)                                                              (82,271)                  (82,271)
                           --------
Comprehensive income .....  439,847
                           ========
Dividends Declared .......                                                  (141,836)                                      (141,836)
Amortization of
  restricted shares ......                                                               47,078                              47,078
Shares transactions
  under employee stock
  plans ..................                                         28,477               (53,027)              106,583        82,033
Shares issued for
  acquisitions ...........                25,538           4        3,891                                       3,441         7,336
Conversion of 2.25%
  debentures .............             4,614,443         692      254,995                                         (54)      255,633
Purchase of treasury
  shares .................                                        (49,200)                                    (10,949)      (60,149)
Cancellation of
  shares .................               (73,539)        (11)      (4,101)                                      4,112            --
                                     -----------     -------   ---------- ----------  ---------  ---------  ---------    ----------
Balance December 31,
  2001 ...................           198,669,254      29,800    1,400,138  1,619,874   (125,745) (295,358)   (450,290)    2,178,419
Comprehensive Income:
Net Income ...............  643,459                                          643,459                                        643,459
Translation adjustments,
  net of taxes of
  $(91,791) ..............  141,216                                                               141,216                   141,216
                           --------
Comprehensive income ..... $784,675
                           ========
Dividends Declared .......                                                  (148,827)                                      (148,827)
Amortization of
  restricted shares ......                                                               54,487                              54,487
Shares transactions under
  employee stock plans ...                                         25,767               (65,099)               89,696        50,364
Shares issued for
  acquisitions ...........                                         (1,289)                                     22,762        21,473
Purchase of treasury
  shares .................                                                                                   (371,664)     (371,664)
Cancellation of shares ...               (68,363)        (10)      (4,706)                                      4,716            --
                                     -----------     -------   ---------- ----------  ---------  ---------  ---------    ----------
Balance December 31,
  2002 ...................           198,600,891     $29,790   $1,419,910 $2,114,506  $(136,357) $(154,142) $(704,780)   $2,568,927
                                     ===========     =======   ========== ==========  =========  =========  =========    ==========
</TABLE>

          The accompanying notes to consolidated financial statements
                   are an integral part of these statements.


                                      F-6
<PAGE>

                      OMNICOM GROUP INC. AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
<TABLE>
<CAPTION>
                                                                               Years Ended December 31,
                                                                                (Dollars in Thousands)
                                                                       -----------------------------------------
                                                                           2002           2001          2000
                                                                       -----------    -----------    -----------
<S>                                                                    <C>            <C>            <C>
Cash Flows from Operating Activities:
Net income .........................................................   $   643,459    $   503,142    $   498,795
   Adjustments to reconcile net income to net cash
      provided by operating activities:
        Depreciation of tangible assets ............................       119,987        114,661        103,903
        Amortization of goodwill ...................................            --         95,581         81,690
        Amortization of intangible assets ..........................        30,332         17,853         10,588
        Minority interests .........................................        68,338         52,782         54,596
        Earnings of affiliates less than dividends received ........         3,374         15,711         33,430
        Tax benefit on employee stock plans ........................        14,341         16,640         49,837
        Amortization of restricted stock ...........................        54,487         47,078         39,098
        Gain on sale of Razorfish shares ...........................            --             --       (110,044)
        Provisions for losses on accounts receivable ...............        21,846         30,739         25,989
        Decrease (increase) in accounts receivable .................        25,602        200,836       (513,646)
        Decrease (increase) in billable production orders in process        33,967         23,117        (97,736)
        Decrease (increase) in prepaid expenses and other
          current assets ...........................................        62,120        (33,021)      (124,854)
        (Increase) in other assets, net ............................       (13,592)       (72,411)       (39,258)
        Increase in accrued taxes ..................................         3,521         37,028         97,986
        (Decrease) increase in other liabilities ...................      (320,208)      (185,310)       298,210
        Increase (decrease) in accounts payable ....................       253,027        (88,866)       277,295
                                                                       -----------    -----------    -----------
Net Cash Provided by Operating Activities ..........................     1,000,601        775,560        685,879
                                                                       -----------    -----------    -----------
Cash Flows from Investing Activities:

   Capital expenditures ............................................      (117,198)      (149,423)      (150,289)
   Payment for purchases of equity interests in
      subsidiaries and affiliates, net of cash acquired ............      (586,349)      (818,819)      (795,686)
   Purchases of long-term and short-term investments ...............       (15,890)      (105,916)      (292,939)
   Proceeds from sales of investments ..............................        36,303        126,306        204,340
                                                                       -----------    -----------    -----------
Net Cash Used in Investing Activities ..............................      (683,134)      (947,852)    (1,034,574)
                                                                       -----------    -----------    -----------
Cash Flows From Financing Activities:
   Net (decrease) increase in short-term borrowings ................      (127,703)        76,789         24,543
   Net proceeds from issuance of convertible notes
      and long-term debt obligations ...............................       900,000      1,144,369        792,995
   Repayments of principal of long-term debt obligations ...........      (339,950)      (866,445)       (85,988)
   Dividends paid ..................................................      (148,411)      (135,676)      (122,278)
   Purchase of treasury shares .....................................      (371,664)       (60,149)      (237,082)
   Other ...........................................................       (32,061)        11,913        (90,055)
                                                                       -----------    -----------    -----------
Net Cash (Used In) Provided by Financing Activities ................      (119,789)       170,801        282,135
                                                                       -----------    -----------    -----------
   Effect of exchange rate changes on cash and cash equivalents ....        (2,878)       (43,175)         6,950
                                                                       -----------    -----------    -----------
Net Increase (Decrease) in Cash and Cash Equivalents ...............       194,800        (44,666)       (59,610)
Cash and Cash Equivalents at Beginning of Period ...................       472,151        516,817        576,427
                                                                       -----------    -----------    -----------
Cash and Cash Equivalents at End of Period .........................   $   666,951    $   472,151    $   516,817
                                                                       ===========    ===========    ===========
Supplemental Disclosures:

   Income taxes paid ...............................................   $   338,638    $   233,287    $   227,492

   Interest paid ...................................................   $    42,423    $    84,693    $   118,077
</TABLE>

          The accompanying notes to consolidated financial statements
                   are an integral part of these statements.


                                      F-7
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

1. Summary of Significant Accounting Policies

      Principles of Consolidation. The accompanying consolidated financial
statements include the accounts of Omnicom Group Inc. and its domestic and
international subsidiaries. Intercompany balances and transactions have been
eliminated.

      Revenue Recognition. Substantially all revenue is derived from fees for
services. Additionally, we earn commissions based upon the placement of
advertisements in various media. Revenue is realized when the service is
performed, in accordance with the terms of each client arrangement, and upon
completion of the earnings process, including when services are rendered, upon
presentation date for media, when costs are incurred for radio and television
production and when print production is completed and collection is reasonably
assured.

      A small portion of our contractual arrangements with clients includes
performance incentive provisions which allow us to earn additional revenues as a
result of our performance relative to both quantitative and qualitative goals.
We recognize the incentive portion of revenue under these arrangements when
specific quantitative goals are achieved, or when performance against
qualitative goals is determined by our clients.

      The Securities and Exchange Commission (SEC) issued Staff Accounting
Bulletin (SAB) 101, Revenue Recognition in Financial Statements, in December
1999. The SAB summarizes certain of the SEC staff's views in applying generally
accepted accounting principles to revenue recognition in financial statements.
Our revenue recognition policies are in compliance with SAB 101. Also, in July
2000, the Emerging Issues Task Force of the FASB ("EITF") released Issue 99-19,
Reporting Revenue Gross as a Principal versus Net as an Agent. This Issue
summarized the EITF's views on when revenue should be recorded at the gross
amount billed because it has earned revenue from the sale of goods or services,
or the net amount retained because it has earned revenue from the sale of goods
or services, or the net amount retained because it has earned a fee or
commission. Additionally, in January 2002, the EITF released Issue 01-14, Income
Statement Characterization of Reimbursements Received for "Out-of-Pocket"
Expenses Incurred. This Issue summarized the EITF's views on when out-of-pocket
expenses should be characterized as revenue. Our revenue recognition policies
are in compliance with SAB 101, EITF 99-19 and EITF 01-14. In the majority of
our businesses we act as an agent and record revenue equal to the net amount
retained, when the fee or commission is earned.

      Billable Production. Billable production orders in process consist
principally of costs incurred on behalf of clients when providing corporate
communications services to clients. Such amounts are generally invoiced to
clients at various times over the course of the production process.

      Investments Available for Sale. Investments available for sale are
comprised of the following two categories of investments:

      Short-term investments and time deposits with financial institutions,
which consist principally of investments with original maturity dates between
three months and one year and are therefore classified as current assets.

      Long-term investments are included in other assets in our balance sheet
and are comprised of minority ownership interests in certain marketing and
corporate communications services companies where we do not exercise significant
influence over the operating and financial policies of the investee. We account
for these investments under the cost method. During 2001 and 2000, we held
minority investments in several publicly traded marketing and corporate
communication companies and the book value of these investments was adjusted to
market value with any unrealized gains or losses recorded to comprehensive
income. We periodically evaluate our cost based investments to determine if
there have been any non-temporary declines in value. A variety of factors are
considered when determining if a decline in market value below book value is
other than temporary, including, among others, the financial condition and
prospects of the investee, as well as our investment intent.

      Cost-Based Investments. Cost-based long-term investments are primarily
comprised of preferred equity interests in non-public marketing and corporate
communications services companies where we do not exercise


                                      F-8
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

significant influence over the operating and financial policies of the investee.
These minority interests are accounted for under the cost method and are
included in our other assets account. These investments are periodically
evaluated to determine if there have been any other than temporary declines
below book value. A variety of factors are considered when determining if a
decline in fair value below book value is other than temporary, including, among
others, the financial condition and prospects of the investee, as well as our
investment intent.

      Equity Method Investments. The equity method is used to account for
investments in entities in which we have an ownership of less than 50% and have
significant influence over the operating and financial policies of the
affiliate. Prior to the adoption of SFAS No. 142, the excess of cost of the
stock of those affiliates over our share of their net assets at the acquisition
date was recognized as goodwill and was being amortized on a straight-line basis
over a period not to exceed 40 years. Subsequent to the adoption of SFAS No.
142, equity method goodwill is not amortized. We periodically evaluate these
investments to determine if there have been any other than temporary declines in
value.

      Common Stock. During 2000, the par value of common stock was decreased
from $.50 to $.15 per share and the number of authorized common shares was
increased from 300 million shares to 1 billion shares.

      Treasury Stock. We account for treasury share purchases at cost. The
reissuance of treasury shares is accounted for at the average cost. Gains or
losses on the reissuance of treasury shares are accounted for as additional
paid-in capital and do not affect reported results of operations.

      Foreign Currency Translation. Our financial statements were prepared in
accordance with the requirements of Statement of Financial Accounting Standards
("SFAS") No. 52, "Foreign Currency Translation". All of our foreign subsidiaries
use their local currency as their functional currency in accordance with SFAS
52. Accordingly, the currency impacts of the translation of the balance sheets
of our foreign subsidiaries to U.S. dollar statements are included as
translation adjustments in other accumulated comprehensive income. The income
statements of foreign subsidiaries are translated at average exchange rates for
the year. Net foreign currency transaction gains included in net income were
$0.6 million in 2002, $1.1 million in 2001 and $1.7 million in 2000.

      Earnings Per Common Share. Basic earnings per share is based upon the
weighted average number of common shares outstanding during each year. Diluted
earnings per share is based on the above, plus, if dilutive, common share
equivalents which include outstanding options and restricted shares and
adjustments for the assumed conversion of our 2 1/4% and 4 1/4% Convertible
Subordinated Debentures. For purposes of computing diluted earnings per share
for the years ended December 31, 2002, 2001 and 2000, respectively, 1,509,203,
2,821,850 and 2,688,589 shares were assumed to have been outstanding related to
common share equivalents and 4,599,909 and 11,468,018 shares in 2001 and 2000,
respectively were assumed to have been converted related to our convertible
subordinated debentures. Additionally, the assumed increase in net income
related to the after tax interest costs of convertible debentures and the after
tax compensation expense related to dividends on restricted shares used in the
computations was $975,269, $9,728,117 and $17,939,255 for the years ended
December 31, 2002, 2001 and 2000, respectively. The number of shares used in the
computations were as follows:

                                       2002             2001            2000
                                   -----------      -----------      -----------
Basic EPS computation...........   186,093,600      182,867,900      174,881,000
Diluted EPS computation.........   187,602,800      190,289,700      189,037,600

      The Company's 2 1/4% Convertible Subordinated Debentures were converted in
the fourth quarter of 2001 and its 4 1/4% Convertible Subordinated Debentures
were converted in the fourth quarter of 2000 (see Note 4).

      Gains and Losses on Issuance of Stock in Affiliates and Subsidiaries.
Gains and losses on the issuance of stock in equity method affiliates and
consolidated subsidiaries are recognized directly in our shareholders' equity
through an increase or decrease to additional paid-in capital in the period in
which the sale occurs and do not affect reported results of operations.


                                      F-9
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

      Salary Continuation Agreements. Arrangements with certain present and
former employees provide for continuing payments for periods up to 10 years
after cessation of their full-time employment in consideration for agreements by
the employee not to compete with us and to render consulting services during the
post-employment period. Such payments, the amounts of which are also subject to
certain limitations, including our operating performance during the
post-employment period, represent the fair value of the services rendered and
are expensed in such periods.

      Depreciation of Furniture and Equipment and Amortization of Leasehold
Improvements. Depreciation charges are computed on a straight-line basis over
the estimated useful lives of furniture of seven to ten years and equipment of
three to five years. Leasehold improvements are amortized on a straight-line
basis over the lesser of the terms of the related lease or the estimated useful
life of these assets.

      Goodwill and Other Intangibles. In accordance with SFAS 142 - Goodwill and
Other Intangible Assets, goodwill acquired resulting from a business combination
for which the acquisition date was after June 30, 2001 is no longer amortized,
but is periodically tested for impairment. Additionally, in accordance with SFAS
141 - Business Combinations, we allocate the cost of an acquired entity to the
assets acquired and liabilities assumed based on their estimated fair values
including other identifiable intangible assets, as applicable, such as trade
names, customer relationships and client lists. Information about acquisitions
can be found in Note 2.

      Historically and before the effective date of SFAS 142, intangibles were
amortized on a straight-line basis over a period not to exceed 40 years. The
intangibles were written down if and to the extent they were determined to be
impaired. Under SFAS 142, we no longer amortize goodwill and intangibles with
indefinite lives and we are required to perform an annual impairment test on
goodwill balances and intangibles with indefinite lives. The initial test for
impairment required us to assess whether there was an indication that goodwill
was impaired as of the date of adoption of SFAS 142. To accomplish this, we
identified our reporting units and determined the carrying value of each unit,
including goodwill and other intangible assets. We then determined the fair
value of each reporting unit and compared it to its carrying value. In
performing this test in accordance with SFAS 142, we aggregated the components
of the reporting units to the level where operating decisions are made. We
completed our initial SFAS 142 impairment test during the second quarter of
2002. We perform the annual impairment test during the second quarter of each
year, unless certain events, as defined in SFAS 142, trigger an earlier
evaluation for impairment.

      Deferred Taxes. Deferred income taxes are provided for the temporary
difference between the financial reporting basis and tax basis of our assets and
liabilities. Deferred tax benefits result principally from recording certain
expenses in the financial statements which are not currently deductible for tax
purposes and from differences between the tax and book basis of assets and
liabilities recorded in connection with acquisitions. Deferred tax liabilities
result principally from deductions recorded for tax purposes, in excess of that
recorded in the financial statements and non-cash, unrealized financial
statement gains in prior years associated with investments and capital
transactions including initial public offerings of common stock by affiliates.

      Employee Stock Options. Options are accounted for in accordance with
Accounting Principles Board Opinion 25 - Accounting for Stock Issued to
Employees ("APB 25"). APB 25 is based upon an intrinsic value method of
accounting for stock-based compensation. Under this method, compensation cost is
measured as the excess, if any, of the quoted market price of the stock issuance
at the measurement date over the amount to be paid by the employee. It has been
our policy to issue stock awards at the quoted market price. Information about
our specific awards and stock plans can be found in Note 7.

      Cash Flows. Our cash equivalents are primarily comprised of investments in
overnight interest-bearing deposits, commercial paper and money market
instruments and other short-term investments with original maturity dates of
three months or less at the time of purchase.

      Concentration of Credit Risk. We provide marketing and corporate
communications services to over 5,000 clients who operate in nearly every
industry sector. We grant credit to qualified clients in the ordinary course of
business. Due to the diversified nature of our client base, we do not believe
that we are exposed to a concentration of credit risk as our largest client
accounted for 5.0% of our 2002 consolidated revenue and no other client
accounted for more than 2.5% of our 2002 consolidated revenue.


                                      F-10
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

      Derivative Financial Instruments. We adopted Statement Financial
Accounting Standard (SFAS) No. 133, "Accounting for Derivative Instruments and
Hedging Activities", on January 1, 2001. SFAS No. 133 establishes accounting and
reporting standards requiring that every derivative instrument (including
certain derivative instruments embedded in other contracts) be recorded in the
balance sheet as either an asset or liability measured at its fair value.

      Our derivative financial instruments consist principally of forward
foreign exchange contracts and cross- currency interest rate swaps. For
derivative financial instruments to qualify for hedge accounting the following
criteria must be met: (1) the hedging instrument must be designated as a hedge;
(2) the hedged exposure must be specifically identifiable and expose us to risk;
and (3) it must be highly probable that a change in fair value of the derivative
financial instrument and an opposite change in the fair value of the hedged
exposure will have a high degree of correlation.

      If the derivative is a hedge, depending on the nature of the hedge,
changes in the fair value of the derivative will either be offset against the
change in fair value of the hedged assets, liabilities or firm commitments
through earnings or recognized in other comprehensive income until the hedged
item is recognized in earnings. The ineffective portion of the change in fair
value of a derivative used as hedge is required to be immediately recognized in
the statement of income.

      The majority of our activity relates to forward foreign exchange
contracts. We execute these contracts in the same currency as the hedged
exposure, whereby 100% correlation is achieved based on spot rates. Gains and
losses on derivative financial instruments which are hedges of foreign currency
assets or liabilities are recorded at market value and changes in market value
are recognized in the statement of income in the current period. Gains and
losses on derivative financial instruments which are hedges of net investments,
are recorded to accumulated comprehensive income as translation adjustments to
the extent of change in the spot exchange rate. The remaining difference is
recorded in the statement of income in the current period.

      Use of Estimates. The preparation of financial statements in conformity
with generally accepted accounting principles requires management to make
estimates and assumptions that affect the reported amounts of assets and
liabilities and disclosures of contingent assets and liabilities at the date of
the financial statements and the reported amounts or revenue and expenses during
the reporting period. Actual results could differ from those estimates.

      Reclassifications. Certain prior year amounts have been reclassified to
conform with the 2002 presentation. These reclassifications include changing the
income statement line item from "Salary and related costs" to a new category
entitled "Salary and service costs", and reallocating certain items previously
shown in "Office and general expenses" to this new category. We have regrouped
certain direct service costs such as freelance labor, travel, entertainment,
reproduction, client service costs and other expenses from "Office and general
expenses" into "Salary and service costs" in order to better segregate the
expense items between those that are more closely related to directly serving
clients versus those expenses, such as facilities, overhead, depreciation and
other administrative expenses, which in nature are not directly related to
servicing clients.

2. Acquisitions

      During 2002, we completed 40 acquisitions of new subsidiaries and made
additional investments in companies in which we already had an ownership
interest. In addition, we made contingent purchase price payments related to
acquisitions completed in prior years. The aggregate cost of these transactions,
including cash payments, the assumption of liabilities and the issuance of
common stock, for 2002 was as follows (dollars in thousands):

      New and existing subsidiaries .........................  $355,232
      Contingent purchase price payments ....................   324,811
                                                               --------
                                                               $680,043
                                                               ========

      In addition, in December 2002, we acquired all of the common stock of
Organic, Inc. in a non-cash transaction. Refer to note 6 for additional
information.


                                      F-11
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

      Valuations of these companies were based on a number of factors, including
service offerings, competitive position, reputation and geographic coverage.
Consistent with our acquisition strategy and past practice, most acquisitions
completed in 2002 include an initial payment at the time of closing and provide
for additional contingent purchase price payments. Contingent payments for these
transactions, as well as certain acquisitions completed in prior years, are
derived using the performance of the acquired entity and are based on
pre-determined formulas. These contingent purchase price obligations are accrued
when the contingency is resolved and payment is certain.

      Our acquisition strategy is to continue to build upon the core
capabilities of our various strategic business platforms (agency brands) through
the expansion of their service capabilities and/or their geographic reach. In
executing our acquisition strategy, one of the primary drivers in identifying
and executing a specific transaction is the existence of or the ability to
expand an existing client relationship. As a result, a significant portion of an
acquired company's revenues are often from clients that are already our clients.
In addition, due to the nature of marketing services communication companies,
the companies we acquire have minimal tangible and identifiable intangible net
assets. Accordingly, upon completion of our SFAS 141 purchase accounting
procedures, substantially all of the above purchase price was allocated to
goodwill as of December 31, 2002. In some cases the process of allocating
purchase price to other intangible assets has not been completed for
transactions completed during the later part of the year and could result in a
re-allocation of purchase price to software, trade names, client relationships,
client contracts or other intangible assets from goodwill. This re-allocation
will be recorded in the 2003 financial statements. We do not believe that the
amounts that may be re-allocated to other intangibles will have a material
impact on our consolidated results of operations and financial position.

      As of December 31, 2002, the components of our intangible assets were as
follows:

<TABLE>
<CAPTION>
                                                               (Dollars in Thousands)
                                              December 31, 2002                      December 31, 2001
                                       -------------------------------       -------------------------------
                                       Gross                      Net         Gross                     Net
                                       Carry     Accumulated     Book         Carry     Accumulated    Book
                                       Value    Amortization     Value        Value    Amortization    Value
                                       -----    ------------     -----        -----    ------------    -----
<S>                                  <C>          <C>         <C>           <C>           <C>        <C>
Intangible assets subject to
  SFAS 142 impairment tests:
Goodwill                             $5,382,478   $531,649    $4,850,829    $4,354,877    $495,715   $3,859,162

Other intangible assets
  subject to amortization:
Purchased and internally
  developed software                    170,357     84,489        85,868       140,864      54,323       86,541
Customer related and other               15,505      3,643        11,862        10,622       3,481        7,141
                                     ----------   --------     ---------    ----------    --------    ---------
Total                                $  185,862   $ 88,132     $  97,730    $  151,486    $ 57,804    $  93,682
                                     ==========   ========     =========    ==========    ========    =========
</TABLE>

      The other intangible assets continue to be amortized on a straight-line
basis over, on average, an eight-year period.

3. Bank Loans and Lines of Credit

      Bank loans of $50.4 million and $169.1 million at December 31, 2002 and
2001, respectively, are primarily comprised of the bank overdrafts of our
international subsidiaries, which are treated as unsecured loans pursuant to our
bank agreements. The weighted average interest rate on these bank loans as of
December 31, 2002 and 2001 was 5.4% and 4.6% respectively.

      At December 31, 2002 and 2001, we had committed and uncommitted lines of
credit aggregating $2,277.2 million and $1,832.8 million, respectively. The
unused portion of these credit lines was $2,226.8 million and $1,394.1 million
at December 31, 2002 and 2001, respectively. The lines of credit, including the
credit facilities discussed below, are generally extended to us on terms that
the banks grant to their most creditworthy borrowers.


                                      F-12
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

      On November 14, 2002, we entered into a new 3-year $800.0 million
revolving credit facility which matures November 14, 2005. In addition, we
entered into a new $1,025.0 million 364-day revolving credit facility which
matures on November 13, 2003. These facilities replaced the existing facilities
which were due to mature in the second quarter of 2003. Both facilities provide
for credit support of our existing $1,500.0 million commercial paper program.
The new facilities are substantially the same as the facilities they replaced
except for the maturity dates and the size of the facilities. The 364-day
facility continues to include a provision which allows us to convert all amounts
outstanding at expiration of the facility into a one-year term loan. The
consortium of banks under the 364-day credit facility consists of 19 banks for
which Citibank N.A. acts as agent. Other significant lending institutions
include JPMorgan Chase Bank, HSBC Bank USA, San Paolo IMI S.p.A., Barclays,
Wachovia and Societe Generale. A similar consortium of 15 banks provides support
under the 3-year revolving credit facility for which Citibank N.A. acts as
administrative agent and ABN AMRO Bank acts as syndication agent. Other
significant lending institutions include HSBC Bank USA, JPMorgan Chase, Wachovia
and Societe Generale. These facilities provide us with the ability to classify
up to $1,825.0 million of our borrowings due within one year as long-term debt,
as it is our intention to keep the borrowings outstanding on a long-term basis.

      We are an active participant in the commercial paper market with a
$1,500.0 million program. Each of our bank credit facilities mentioned above are
available to provide credit support for issuances under this program. As of
December 31, 2002, we had no commercial paper borrowings outstanding. We had
$269.6 million of commercial paper borrowings outstanding as of December 31,
2001, with various maturities through January 30, 2002 which is included in
long-term debt in the consolidated balance sheet.

      The gross amount of commercial paper issued and redeemed under our
commercial paper programs during 2002 was $32.8 billion and $33.1 billion,
respectively. During 2001, $45.3 billion of commercial paper was issued and
$45.9 billion was redeemed.

      The credit facilities contain financial covenants limiting the ratio of
total consolidated indebtedness to total consolidated EBITDA (EBITDA is defined
as: earnings before interest, taxes, depreciation and amortization) to 3.0
times. In addition, we are required to maintain a minimum ratio of EBITDA to
interest expense of 5.0 times. At December 31, 2002, our ratio of debt to EBITDA
was 1.6 times and our ratio of EBITDA to interest expense was 27.6 times and we
were in compliance with these covenants.

4. Long-Term Debt and Convertible Notes

      Long-term debt and convertible notes outstanding as of December 31, 2002
and 2001 consisted of the following:

                                                          (Dollars in Thousands)
                                                            2002         2001
                                                         ----------   ----------
U.S. Dollar commercial paper with an average interest
  rate of 2.5% .......................................           --   $  269,618
5.20% Euro Notes, due in 2005 ........................   $  159,950      135,603
Other notes and loans at rates from 3.0% to 8.1%,
  due through 2012 ...................................       70,251      125,328
                                                         ----------   ----------
                                                            230,201      530,549
Less current portion .................................       32,340       40,444
                                                         ----------   ----------
  Total long-term debt ...............................   $  197,861   $  490,105
                                                         ==========   ==========
Liquid Yield Option notes due 2031 ...................   $  849,953   $  850,000
Zero Coupon Zero Yield Convertible notes due 2032 ....      900,000           --
                                                         ----------   ----------
                                                          1,749,953      850,000
Less current portion .................................        2,916           --
                                                         ----------   ----------
  Total long-term convertible notes ..................   $1,747,037   $  850,000
                                                         ==========   ==========


                                      F-13
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

      For the years ended December 31, 2002, 2001 and 2000, we incurred gross
interest expense on our borrowings of $45.5 million, $90.9 million, and $116.7
million, respectively.

      On June 24, 1998, we issued 152.4 million 5.20% Euro notes. The notes are
senior unsecured obligations of the Company. Unless previously redeemed, or
purchased and cancelled, the notes mature on June 24, 2005.

      The $850.0 million aggregate principal amount of Liquid Yield Option notes
due 2031 were issued by us in February 2001. These notes are senior unsecured
zero-coupon securities that are convertible into 7.7 million common shares,
implying a conversion price of $110.01 per common share, subject to normal
anti-dilution adjustments. These notes are convertible at a specified ratio only
upon the occurrence of certain events, including if our common shares trade
above certain levels, if we effect extraordinary transactions or if our
long-term debt ratings are downgraded by at least three notches from their
December 31, 2002 level of A to BBB or lower by Standard & Poor's Ratings
Services, or from their December 31, 2002 level of A3 to Baa3 or lower by
Moody's Investors Services, Inc. The notes are convertible at the specified
ratio if our long-term debt ratings are downgraded by at least two notches from
their March 14, 2003 level of A- to BBB or lower by Standard & Poor's Investors
Services, Inc., and Baa1 to Baa3 or lower by Moody's Investors Services, Inc.
These events would not, however, result in an adjustment of the number of shares
issuable upon conversion. Holders of the notes due 2031 have the right to put
the notes back to us, at our election, for cash, stock or a combination of both,
in February of each year and we have the right to redeem the notes for cash
beginning in 2006. There are no events that accelerate the noteholders' put
rights. Beginning in February 2006, if the market price of our common shares
exceeds certain thresholds, we may be required to pay contingent cash interest
on the notes equal to the amount of dividends that would be paid on the common
shares into which the notes are contingently convertible. See note 15 for
additional information about these notes.

      The $900.0 million aggregate principal amount of Zero Coupon Zero Yield
Convertible notes were issued by us in March 2002. The notes are senior
unsecured zero-coupon securities that are convertible into 8.2 million common
shares, implying a conversion price of $110.01 per common share, subject to
normal anti-dilution adjustments. These notes are convertible at a specified
ratio only upon the occurrence of certain events, including if our common shares
trade above certain levels, if we effect extraordinary transactions or if our
long-term debt ratings are downgraded at least three notches from their December
31, 2002 level of A to BBB or lower by Standard & Poor's Ratings Services, or
from their December 31, 2002 level of A3 to Baa3 or lower by Moody's Investors
Services, Inc. The notes are convertible at the specified ratio if our long-term
debt ratings are downgraded by at least two notches from their March 14, 2003
level of A- to BBB or lower by Standard & Poor's Investors Services, Inc., and
Baa1 to Baa3 or lower by Moody's Investors Services, Inc. These events would
not, however, result in an adjustment of the number of shares issuable upon
conversion. Holders of these notes have the right to put the notes back to us
for, at our election, for cash, stock or a combination of both in August of each
year beginning in August 2003 and we have the right to redeem the notes for cash
beginning in 2007. There are no events that accelerate the noteholders' put
rights. Beginning in August 2007, if the market price of our common shares
exceeds certain thresholds, we may be required to pay contingent cash interest
on the notes equal to the amount of dividends that would be paid on the common
shares into which the notes are contingently convertible.

      Aggregate stated maturities of long-term debt and convertible notes are as
follows:

                                                          (Dollars in Thousands)
           2003.........................................        $  35,256
           2004.........................................           13,188
           2005.........................................           21,313
           2006.........................................          161,470
           2007.........................................              107
           Thereafter...................................        1,748,820


                                      F-14
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

5. Segment Reporting

      Our wholly and partially owned businesses operate within the marketing and
corporate communications services industry. These agencies are organized into
strategic platforms, client centric networks, geographic regions and operating
groups. Our businesses provide communications services to similar type clients
on a global, pan-regional and national basis. The businesses have similar cost
structures, and are subject to the same general economic and competitive risks.
Given these similarities, we have aggregated their results into one reporting
segment. A summary of our revenue and long-lived assets by geographic area for
the years then ended, and as of December 31, 2002, 2001 and 2000 is presented
below:

<TABLE>
<CAPTION>
                                                            (Dollars in Thousands)
                                 ---------------------------------------------------------------------
                                   United         Euro           United         Other
                                   States      Denominated       Kingdom    International Consolidated
                                 -----------  ------------      ---------   ------------   -----------
<S>                              <C>            <C>              <C>           <C>          <C>
2002
   Revenue ....................  $4,284,630     $1,458,558       $814,134      $978,977     $7,536,299
   Long-Lived Assets ..........     319,730         75,198         86,866        75,941        557,735
2001
   Revenue ....................  $3,717,011     $1,413,795       $805,188      $953,412     $6,889,406
   Long-Lived Assets ..........     310,556         61,555         93,355        72,489        537,955
2000
   Revenue ....................  $3,258,193     $1,284,977       $811,401      $799,659     $6,154,230
   Long-Lived Assets ..........     254,654         59,562         93,653        75,236        483,105
</TABLE>

6. Equity and Cost Based Investments

      Equity Investments. We have 100 unconsolidated affiliated companies
accounted for under the equity method. The affiliate companies offer marketing
and corporate communications services similar to those offered by our operating
companies. The equity method is used when we have an ownership of less than 50%
but exercise significant influence over the operating and financial policies of
the affiliate. The following table summarizes the balance sheets and income
statements of our unconsolidated affiliates, as of December 31, 2002 and 2001
and for the years then ended:

                                                      (Dollars in Thousands)
                                                    ---------------------------
                                                      2002              2001
                                                    ---------         ---------
      Current assets.............................    $502,685         $582,257
      Non-current assets.........................     101,280          142,128
      Current liabilities........................     369,344          443,461
      Non-current liabilities....................      55,747          108,212
      Minority interests.........................       2,214            4,734
      Gross revenue..............................     399,446          378,423
      Costs and expenses.........................     329,825          316,132
      Net income.................................      42,188           43,773

      Our equity interest in the net income of these affiliated companies was
$13.8 million and $12.7 million for 2002 and 2001, respectively. Our equity
interest in the net assets of these affiliated companies was $77.2 million and
$116.8 million at December 31, 2002 and 2001, respectively. Owners of interests
in certain of our affiliated companies have the right in certain circumstances
to require us to purchase additional ownership stakes at fair value. The terms
of these rights vary for each arrangement and the ultimate amount payable in the
future also varies based upon the future earnings of the affiliated companies,
changes in the applicable foreign currency exchange rates and the timing of when
these rights are exercised.

      Cost Based Investments. Our cost based investments at December 31, 2002
were primarily comprised of preferred stock interests representing equity
interests of less than 20% in various service companies. This method is used
when we own less than a 20% equity interest and do not exercise significant
influence over the operating and financial policies of the investee.


                                      F-15
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

      The total cost basis of these investments, which are included in other
assets on our balance sheet, as of December 31, 2002 and 2001 was $224.5 million
and $318.8 million, respectively.

      In May 2001, we received a non-voting non-participating preferred stock
interest in a newly formed company, Seneca Investments LLC ("Seneca"), in
exchange for our contribution of Communicade, our subsidiary that conducted its
e-services industry investment activities. All of Communicade's investments at
that time were comprised of minority interests in e-services industry
businesses. The common shareholder of Seneca, who owns all of the common stock
is an established private equity investment firm. We do not have a commitment
obligating us to advance funds or provide other capital to Seneca. The preferred
stock is nonvoting, except on certain extraordinary events, including Seneca's
issuance of senior securities or dividends on junior securities in violation of
the preference; related party transactions involving Seneca's management or
common stockholders other than management compensation, fees and other payments
in the ordinary course of business; changes in control or conversion of Seneca
into a partnership for tax purposes; and changes in Seneca's governing documents
adversely affecting preferred shareholders' rights. The preferred stock is
entitled to preferential cumulative dividends at a rate of 8.5% compounded
semiannually and is redeemable on the 10th anniversary of issuance or earlier
upon the occurrence of certain extraordinary events. Unpaid dividends accrue on
a cumulative basis. No dividends were paid by Seneca in 2002 and 2001. The
transaction was accounted for in accordance with SFAS 140, Accounting for
Transfers and Servicing Financial Assets and Extinguishments of Liabilities, and
resulted in no gain or loss being recognized by us on Seneca's formation.

      In December 2002, we acquired all of the common stock of Organic, Inc.
from Seneca. The transaction was effected by the redemption of $99.0 million of
the preferred stock and the assumption of $7.2 million of liabilities. At
December 31, 2002, substantially all of the purchase price was allocated to
goodwill. We are currently performing a valuation of the intangible assets of
Organic and upon completion, some portion of the purchase price may be assigned
to intangible assets other than goodwill in the 2003 financial statements. The
transaction closed in December 2002 and we do not believe that any amounts that
may be allocated to other intangibles in 2003 would have had a material impact
on our 2002 consolidated results of operations and financial position had the
allocation been completed at December 31, 2002.

      Management believes that the fair value of our Seneca investment exceeded
our carrying value of $181.0 million at December 31, 2002 and that an other than
temporary impairment has not occurred. In arriving at this conclusion, a
discounted cash flow analysis of Seneca was utilized, supported by an
independent third-party valuation.

7. Employee Stock Plans

      We adopted a new equity incentive compensation plan in 2002 (the "Equity
Incentive Plan"). Under the Equity Incentive Plan, 7,700,000 common shares were
reserved for options and other awards, of which up to 1,200,000 were for
restricted stock awards. As of December 31, 2002, 7,671,851 shares were
available for future grants, of which 1,200,000 shares were available for
restricted stock awards. Pursuant to the Equity Incentive Plan, the exercise
price of options awarded may not be less than 100% of the market price of the
stock at the date of grant and the option term cannot be longer than seven years
from the date of grant. The terms of each option and the times at which each
option will be exercisable will be determined by the Compensation Committee of
the Board of Directors. It is anticipated that the full vesting period for
options will be no shorter than three years, and that some of the options
granted will have vesting schedules like those under the long-term shareholder
value plan described below. Current year option grants become exercisable 30% on
each of the first two anniversary dates of the grant date with the final 40%
becoming exercisable three years from the grant date. The restricted shares
typically vest in 20% annual increments provided the employee remains in our
employ.

      Our prior incentive compensation plan was adopted in 1998 (the "1998
Plan") and amended in 2000. Under the 1998 Plan, 8,250,000 common shares were
reserved for options and other awards, of which up to 2,250,000 were for
restricted stock awards. As a result of the adoption of the Equity Incentive
Plan during 2002, no new awards may be granted under Omnicom's the 1998 Plan,
except with respect to shares relating to awards


                                      F-16
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

that are forfeited or cancelled. Therefore, as of December 31, 2002, no shares
were available for future option grants under the 1998 Plan, while 120,000
shares remained available for restricted stock awards. Pursuant to the 1998
Plan, the exercise price of options awarded may not be less than 100% of the
market price of the stock at the date of grant. Options become exercisable 30%
on each of the first two anniversary dates of the grant date with the final 40%
becoming exercisable three years from the grant date.

      Under the terms of our long-term shareholder value plan ("LTSV"),
9,000,000 common shares were reserved for option awards to key employees of the
Company at an exercise price that is no less than 100% of the market price of
the stock at the date of the grant. The options become exercisable after the
sixth anniversary date of grant. The shares can become exercisable prior to this
anniversary date in increments of one-third if the market value for the
Company's common stock increases compared to the market price on the date of
grant by at least 50%, 75% and 100%, respectively. At December 31, 2002, options
for 3,281,642 shares were available for future grants.

      Options included under all prior incentive compensation plans, all of
which were approved by our shareholders, for the past three years are:

<TABLE>
<CAPTION>
                                                     2002                   2001                  2000
                                             ----------------------  --------------------- ---------------------
                                                        Weighted               Weighted              Weighted
                                                         Average                Average               Average
                                             Shares  Exercise Price  Shares Exercise Price Shares Exercise Price
                                             ------  --------------  ------ -------------- ------ --------------
<S>                                        <C>           <C>        <C>          <C>      <C>           <C>
Shares under option,
   beginning of year ....................  17,743,823    $66.30     9,547,138    $57.50   8,299,387     $46.37
Options granted under:
   1998 Plan ............................   2,259,607     91.80     3,542,500     81.10   2,452,500      78.31
   LTSV Plan ............................          --        --     5,732,725     66.84          --         --
   Equity Incentive Plan ................      28,149     60.39            --        --          --         --
Options exercised .......................    (634,917)    44.56    (1,058,540)    39.83  (1,207,749)     23.15
Options forfeited .......................    (269,167)    81.69       (20,000)    42.69          --         --
                                           ----------    ------    ----------    ------   ---------     ------
Shares under option, end of year ........  19,127,495    $69.80    17,743,823    $66.30   9,547,138     $57.50
                                           ==========    ======    ==========    ======   =========     ======
Options exercisable at year-end .........   9,413,333               5,456,848             4,142,888
                                           ==========              ==========             =========
</TABLE>

      The following table summarizes the information above about options
outstanding and options exercisable at December 31, 2002:

<TABLE>
<CAPTION>

                                              Options Outstanding                      Options Exercisable
                                 ----------------------------------------------   ----------------------------
                                               Weighted Average
        Range of Exercise          Options         Remaining   Weighted Average     Options   Weighted Average
       Prices (in dollars)       Outstanding   Contractual Life Exercise Price    Exercisable  Exercise Price
       -------------------       -----------    --------------  --------------    ----------   --------------
      <S>                            <C>           <C>              <C>              <C>           <C>
      $10.02                         48,800        1 year           $10.02           48,800        $10.02
       12.11 to 26.27               280,361        1-2 years         12.13          280,361         12.13
       12.94                        340,000        2-3 years         12.94          340,000         12.94
       19.72                        360,000        3-4 years         19.72          360,000         19.72
       24.28                        549,500        4-5 years         24.28          549,500         24.28
       39.75 to 66.40             1,099,676        5-6 years         43.59        1,099,676         43.59
       44.62 to 91.22             3,005,855        6-7 years         76.37        2,977,706         76.53
       78.32 to 84.00             2,263,000        7-8 years         78.50        1,339,000         78.51
       62.35 to 87.16             9,010,496        8-9 years         72.36        2,407,983         70.43
       85.84 to 93.55             2,169,807        9-10 years        91.80           10,307         86.09
                                 ----------                                       ---------
                                 19,127,495                                       9,413,333
                                 ==========                                       =========
</TABLE>


                                      F-17
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

      Pro Forma. As permitted by SFAS No. 123, "Accounting for Stock Based
Compensation", we intend to continue to apply the accounting provisions of APB
Opinion No. 25, "Accounting for Stock Issued to Employees", and to make annual
pro forma disclosures of the effect of adopting the fair value method of
accounting for employee stock options and similar instruments.

      The weighted average fair value, calculated on the basis summarized below,
of each option granted was as follows; 2002: $28.01; 2001: $21.45 and 2000:
$24.85. The fair value of each option grant has been determined as of the date
of grant using the Black-Scholes option valuation model and with the following
assumptions (without adjusting for the risk of forfeiture and lack of
liquidity):

                                 2002               2001              2000
                            --------------     --------------    --------------
Expected option lives ....     5 years            5 years            5 years
Risk free interest rate ..   2.4% - 4.7%        4.0% - 4.9%       5.0% - 6.7%
Expected volatility ......  28.20% - 35.30%    28.58% - 30.79%   21.88% - 26.49%
Dividend yield ...........    0.9% - 1.3%        0.9% - 1.4%       0.6% - 0.9%

      Using compensation cost for grants of the Company's stock options and
shares issued under the employee stock purchase plan ("ESPP"), determined based
on the fair value at the grant or issuance date in 2002, 2001 and 2000,
consistent with the provision of SFAS No. 123, the effect on our net income and
net income per share would have been as follows:

<TABLE>
<CAPTION>

                                                         Dollars in Thousands Except Per Share Data
                                                  -----------------------------------------------------------
                                                                                          2000
                                                                            ---------------------------------
                                                                               As       Razorfish       As
                                                  2002          2001        Reported      Gain       Adjusted
                                                  ----          ----        --------      ----       --------
<S>                                              <C>          <C>           <C>          <C>         <C>
Net income, as reported .......................  $643,459     $503,142      $498,795     $63,826     $434,969
Net income, pro forma .........................   583,638      455,702       475,650      63,826      411,824
Stock-based employee compensation cost,
   net of tax, as reported ....................    32,692       26,604        22,810          --       22,810
Additional stock-based employee
   compensation cost, net of tax,
   pro forma ..................................    59,821       47,440        23,145          --       23,145
Basic net income per share, as reported .......      3.46         2.75          2.85          --         2.49
Basic net income per share, pro forma .........      3.14         2.49          2.72          --         2.36
Diluted net income per share, as reported .....      3.44         2.70          2.73          --         2.40
Diluted net income per share, pro forma .......      3.12         2.47          2.62          --         2.29
</TABLE>

      These pro forma amounts may not be representative of future disclosures
since the estimated fair value of stock options is amortized / expensed over the
vesting period, additional options may be granted in future years, awards may be
forfeited or cancelled and the fair value of future awards may differ from the
current fair values.

      Restricted Shares. Changes in outstanding shares of restricted stock for
the three years ended December 31, 2002 were as follows:

                                             2002          2001          2000
                                          ---------     ---------     ---------
Restricted shares at beginning of year    2,227,022     2,493,505     2,602,281
  Number granted .....................      769,964       649,915       904,429
  Number vested ......................     (806,626)     (830,822)     (906,197)
  Number forfeited ...................     (119,516)      (85,576)     (107,008)
                                          ---------     ---------     ---------
Restricted shares at end of year .....    2,070,844     2,227,022     2,493,505
                                         ==========    ==========    ==========

      All restricted shares were sold at a price per share equal to their par
value. The difference between par value and market value on the date of the
grant is charged to shareholders' equity and then amortized to expense over the
period of restriction. The restricted shares typically vest in 20% annual
increments provided the employee remains in our employ.


                                      F-18
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

      Restricted shares may not be sold, transferred, pledged or otherwise
encumbered until the restrictions lapse. Under most circumstances, the employee
must resell the shares to us at par value if the employee ceases employment
prior to the end of the period of restriction.

      The charge to operations in connection with these restricted stock awards
for the years ended December 31, 2002, 2001 and 2000 amounted to $54.5 million,
$47.1 million and $39.1 million, respectively.

      ESPP. We have an employee stock purchase plan that enables employees to
purchase our common stock through payroll deductions over each plan quarter at
85% of the market price on the last trading day of the plan quarter. Purchases
are limited to 10% of eligible compensation as defined by ERISA. During 2002,
2001 and 2000, employees purchased 349,181 shares, 323,269 shares and 311,171
shares, respectively, all of which were treasury shares, for which $22.5
million, $23.7 million and $22.3 million, respectively, was paid to us. For this
plan, 1,952,971 shares remain reserved at December 31, 2002.

8. Income Taxes

      Income before income taxes and the provision for taxes on income consisted
of the amounts shown below:

                                                 Years Ended December 31,
                                                  (Dollars in Thousands)
                                       -----------------------------------------
                                           2002           2001          2000
                                       -----------    -----------    -----------
Income before income taxes:
  Domestic .........................   $   700,209    $   588,322    $   534,913
  International ....................       373,414        307,063        376,704
                                       -----------    -----------    -----------
    Total ..........................   $ 1,073,623    $   895,385    $   911,617
                                       ===========    ===========    ===========
Provision for taxes on income:
  Current:
    Federal ........................   $   154,567    $   155,414    $   153,786
    State and local ................        35,104         32,214         36,391
    International ..................       136,854        123,770        159,389
                                       -----------    -----------    -----------
    Total Current ..................       326,525        311,398        349,566
                                       -----------    -----------    -----------
  Deferred:
    Federal ........................        58,985         39,643         16,326
    State and local ................         4,262          7,178          2,402
    International ..................       (14,135)        (6,091)           846
                                       -----------    -----------    -----------
    Total Deferred .................        49,112         40,730         19,574
                                       -----------    -----------    -----------
    Total ..........................   $   375,637    $   352,128    $   369,140
                                       ===========    ===========    ===========

      Our effective income tax rate varied from the statutory federal income tax
rate as a result of the following factors:

                                                         2002     2001     2000
                                                         ----     ----     ----
Statutory federal income tax rate ...................    35.0%    35.0%    35.0%
Non-deductible amortization of goodwill .............      --      2.9      2.6
State and local taxes on income,
  net of federal income tax benefit .................     2.4      2.8      3.0
International subsidiaries' tax rate differentials ..    (0.9)    (0.2)     1.1
Other ...............................................    (1.5)    (1.2)    (1.2)
                                                         ----     ----     ----
Effective rate ......................................    35.0%    39.3%    40.5%
                                                         ====     ====     ====

      Deferred income taxes are provided for the temporary difference between
the financial reporting basis and tax basis of our assets and liabilities.
Deferred tax assets result principally from recording certain expenses in the
financial statements which are not currently deductible for tax purposes and
from differences between the tax and book basis of assets and liabilities
recorded in connection with acquisitions. Deferred tax liabilities


                                      F-19
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

result principally from non-cash, unrealized financial statement gains
associated with investments and capital transactions, including initial public
offerings of common stock by affiliates, and expenses which are currently
deductible for tax purposes, but have not yet been expensed in the financial
statements.

      Deferred tax assets (liabilities) as of December 31, 2002 and 2001
consisted of the amounts shown below (dollars in thousands):

<TABLE>
<CAPTION>

                                                                2002         2001
                                                             ---------    ---------
<S>                                                          <C>          <C>
Deferred tax assets:
  Compensation and severance .............................   $ 115,748    $  83,263
  Basis differences arising from acquisitions ............      67,738       83,286
  Basis differences from short term assets and liabilities      40,852       26,395
  Tax loss carryforwards .................................      54,446       34,906
  Other ..................................................       8,876        2,666
                                                             ---------    ---------
Total deferred tax assets ................................     287,660      230,516
  Valuation allowance ....................................     (42,334)     (24,501)
                                                             ---------    ---------
Total deferred tax assets net of valuation allowance .....   $ 245,326    $ 206,015
                                                             =========    =========
Deferred tax liabilities:
  Unrealized gain on investments and capital transaction
    of affiliates ........................................      40,556       40,233
  Basis differences arising from tangible and deductible
    intangible assets ....................................      14,077      (18,056)
  Financial instruments ..................................      69,643       29,306
                                                             ---------    ---------
Total deferred tax liabilities ...........................   $ 124,276    $  51,483
                                                             =========    =========
</TABLE>

      Net current deferred tax assets as of December 31, 2002 and 2001 were
$78.5 million and $54.1 million, respectively, and were included in prepaid
expenses and other current assets. Net non-current deferred tax assets as of
December 31, 2002 and 2001 were $42.5 million and $100.4 million, respectively.
We have concluded that it is more likely than not that we will be able to
realize these deferred tax assets in future periods.

      A provision has been made for additional income and withholding taxes on
the earnings of international subsidiaries and affiliates that will be
distributed.

9. Employee Retirement Plans

      Our international and domestic subsidiaries provide retirement benefits
for their employees primarily through defined contribution plans. Company
contributions to the plans, which are determined by the boards of directors of
the subsidiaries, have generally been in amounts up to 15% (the maximum amount
deductible for U.S. federal income tax purposes) of total eligible compensation
of participating employees. Expenses related to the Company's contributions to
these plans in 2002 were $63.8 million, in 2001 were $69.2 million and in 2000
were $82.0 million.

      Our pension plans are primarily related to non-U.S. businesses. These
plans are not subject to the Employee Retirement Income Security Act of 1974.
Substantially all of these plans are funded by fixed premium payments to
insurance companies which undertake to provide specific benefits to the
individuals covered. Pension expense recorded for these plans in 2002 was $12.4
million, in 2001 was $14.9 million and in 2000 was $11.1 million.

      Certain of our subsidiaries have executive retirement programs under which
benefits will be paid to participants or to their beneficiaries over periods up
to 15 years beginning after cessation of full-time employment, at age 65 or
death. In addition, other subsidiaries have individual deferred compensation
arrangements with certain executives which provide for payments over varying
terms upon retirement, cessation of employment or death. The costs related to
these benefits, which are accrued during the employee's service period with us,
were not material to the 2002, 2001 and 2000 consolidated results of operations
or financial


                                      F-20
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

position. Our obligation with respect to these programs is included in deferred
compensation and other liabilities on the balance sheet.

10. Commitments and Contingent Liabilities

      At December 31, 2002, we were committed under operating leases,
principally for office space in many of the major cities around the world.
Certain leases are subject to rent reviews with various escalation clauses and
require payment of various operating expenses which may also be subject to
escalation clauses. Rent expense for the years ended December 31, 2002, 2001 and
2000 was reported as follows:

                                              (Dollars in Thousands)
                                         2002            2001           2000
                                      ---------       ---------       ---------
Office Rent ....................      $ 326,815       $ 313,449       $ 266,195
Third Party Sublease ...........        (15,534)         (8,046)         (7,280)
                                      ---------       ---------       ---------
Total Office Rent ..............        311,281         305,403         258,915
Equipment Rent .................        152,146         147,338         127,901
                                      ---------       ---------       ---------
Total Rent .....................      $ 463,427       $ 452,741       $ 386,816
                                      =========       =========       =========

      Future minimum office and equipment base rents under terms of
non-cancelable operating leases, reduced by rents to be received from existing
non-cancelable subleases, are as follows:

                     (Dollars in Thousands)

                                       Gross           Sublease            Net
                                       Rent              Rent             Rent
                                       ----              ----             ----
2003 .......................         $395,730         $(14,045)         $381,685
2004 .......................          323,231          (11,063)          312,168
2005 .......................          256,887           (7,891)          248,996
2006 .......................          213,985           (5,401)          208,584
2007 .......................          174,586           (4,079)          170,507
Thereafter .................          840,908          (15,642)          825,266

      The present value of the gross future minimum base rents under
non-cancelable operating leases is $1,564.4 million.

      See note 14 for a discussion of legal proceedings to which we are subject.

11. Fair Value of Financial Instruments

      The following table presents the carrying amounts and fair values of our
financial instruments at December 31, 2002 and 2001. Amounts in parentheses
represent liabilities.

<TABLE>
<CAPTION>
                                                  2002                          2001
                                       ---------------------------   ---------------------------
                                         (Dollars in Thousands)        (Dollars in Thousands)
                                         Carrying         Fair        Carrying         Fair
                                          Amount          Value        Amount          Value
                                       ------------   ------------  ------------   ------------
<S>                                    <C>            <C>            <C>            <C>
Cash, cash equivalents and
  short-term investments ...........   $   695,881    $   695,881    $   516,999    $   516,999
Other investments ..................       224,478        224,478        318,807        318,807
Long-term debt and convertible notes    (1,944,898)    (1,953,251)    (1,340,105)    (1,399,022)
Financial Commitments

  Cross-currency interest rate swaps       (27,556)       (27,556)       (11,626)       (11,626)
  Forward foreign exchange contracts        (3,747)        (3,747)          (749)          (749)
  Guarantees .......................            --         (8,449)            --        (19,435)
  Letters of credit ................            --         (2,854)            --         (8,080)
</TABLE>


                                      F-21
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

      The following methods and assumptions were used to estimate the fair value
of each class of financial instruments for which it is practicable to estimate
that value.

Short-term investments:

      Short-term investments which consist primarily of short-term investments
and investments in short-term interest bearing instruments with original
maturity dates between three months and one year are carried at cost which
approximates fair value.

Other investments:

      Other investments are carried at cost, which approximates fair value. Our
investment in Seneca represents $181.0 million of the balance at December 31,
2002. Refer to note 6 for additional information about this investment.

Long-term debt and convertible notes:

      A portion of our long-term debt includes floating rate debt, the carrying
value of which approximates fair value. Our long-term debt also includes
convertible notes and fixed rate debt. The fair value of these instruments was
determined by reference to quotations available in markets where these issues
were traded.

Financial commitments:

      The estimated fair values of derivative positions are based upon
quotations received from independent, third party banks and represent the net
amount required to terminate the positions, taking into consideration market
rates and counterparty credit risk. The fair values of guarantees and letters of
credit are based upon the stated value of the underlying instruments. The
guarantees, which relate to real estate leases, were issued by us for affiliated
companies. The letters of credit represent guarantees issued by us on behalf of
our operating companies for activities in the normal course of business.

12. Financial Instruments and Market Risk

      We adopted Statement Financial Accounting Standard (SFAS) No. 133,
"Accounting for Derivative Instruments and hedging Activities", on January 1,
2001. SFAS No. 133 establishes accounting and reporting standards requiring that
derivative instruments which meet the SFAS 133 definition of a derivative
(including certain derivative instruments embedded in other contracts) be
recorded in the balance sheet as either an asset or liability measured at its
fair value.

      Derivatives that are not hedges must be adjusted to fair value through
earnings. If the derivative is a hedge, depending on the nature of the hedge,
changes in the fair value of derivatives will either be offset against the
change in fair value of the hedged assets, liabilities or firm commitments
through earnings or recognized in other comprehensive income until the hedged
item is recognized in earnings. The ineffective portion of the change in fair
value of a derivative used as a hedge is required to be immediately recognized
in our statement of income.

      In the first quarter of 2001, we recorded a $2.9 million after tax charge
in earnings ($4.9 million pre-tax) for the cumulative effect of adopting SFAS
No. 133. The charge resulted from our accounting for a hedge in our net Yen
investments. We utilized cross-currency interest rate swap contracts to hedge
our net Yen investments. Consistent with our policy with respect to derivative
instruments and hedging activities and in accordance with SFAS No. 133, we
designated the change in Yen spot rates as the hedged risk in our net Yen
investments. Since the contract was a hedge of our net Yen investments, the
change in the fair value of the contract attributable to changes in spot rates,
which was the effective portion of the hedge, was recorded as an offset in the
cumulative translation account, the same account in which translation gains and
losses on the net Yen investment are recorded. All other changes in the fair
value of the contract were recorded currently in operating income or expense as
ineffectiveness. During the first quarter of 2001, we replaced the contract with
a floating rate cross-currency swap contract. As a result, minimal
ineffectiveness will result for the remaining term.


                                      F-22
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

      Our derivative activities are limited in volume and confined to risk
management activities related to our international operations. We have
established a centralized reporting system to evaluate the effects of changes in
interest rates, currency exchange rates and other relevant market risks. We
periodically determine the potential loss from market risk by performing a
value-at-risk computation. Value-at-risk analysis is a statistical model that
utilizes historic currency exchange and interest rate data to measure the
potential impact on future earnings of our existing portfolio of derivative
financial instruments. The value-at-risk analysis we performed on our December
31, 2002 portfolio of derivative financial instruments indicated that the risk
of loss was immaterial. Counterparty risk arises from the inability of a
counterparty to meet its obligations. To mitigate counterparty risk, we entered
into derivative contracts with major well-known banks and financial institutions
that have credit ratings at least equal to our credit rating. This system is
designed to enable us to initiate remedial action, if appropriate.

      At December 31, 2002 and 2001, we had Japanese Yen 19.1 billion and 16.3
billion, respectively, aggregate notional principal amount of cross-currency
interest rate swaps which mature in 2005. The swaps effectively hedge our net
investment in Japanese Yen denominated assets.

      We routinely enter into forward foreign exchange contracts to hedge
intercompany cash movements between subsidiaries with different functional
currencies. Changes in market value of the forward contracts are included in the
income statement and are offset by the corresponding change in value of the
underlying asset or liability being hedged. The terms of these contracts are
generally ninety days or less. At December 31, 2002 and 2001, the aggregate
amount of intercompany receivables and payables subject to this hedge program
was $791.7 million and $657.1 million, respectively. The table below summarizes
by major currency the notional principal amounts of the Company's forward
foreign exchange contracts outstanding at December 31, 2002 and 2001. The "buy"
amounts represent the U.S. dollar equivalent of commitments to purchase the
respective currency, and the "sell" amounts represent the U.S. dollar equivalent
of commitments to sell the respective currency. Refer to note 11 for a
discussion of the value of these instruments.

                                          (Dollars in Thousands)
                                         Notional Principal Amount
                            ---------------------------------------------------
                                     2002                         2001
                            -----------------------     -----------------------
                            Company        Company        Company       Company
                             Buys           Sells          Buys          Sells
                            --------      --------      --------      --------
U.S. Dollar ............    $ 32,058      $ 43,575      $100,613      $ 16,109
British Pound ..........     271,074        92,970       182,267        66,773
Euro ...................       3,941       160,657         9,006       178,565
Japanese Yen ...........      20,734         3,346            --        12,477
Other ..................      66,369        96,988        36,165        55,103
                            --------      --------      --------      --------
  Total ................    $394,176      $397,536      $328,051      $329,027
                            ========      ========      ========      ========

      The foreign currency and yen swap contracts existing during the years
ended December 31, 2002 and 2001 were entered into for the purpose of hedging
certain specific currency risks. As a result of these financial instruments, we
reduced financial risk in exchange for foregoing any gain (reward) which might
have occurred if the markets moved favorably. In using these contracts,
management exchanged the risks of the financial markets for counterparty risk.
To minimize counterparty risk, we only enter into these contracts with major
well-known banks and financial institutions that have credit ratings equal to or
better than our credit rating.

13. New Accounting Pronouncements

      The following pronouncements were issued by the FASB in 2001 and 2002 and
impact our financial statements as discussed below: Statement of Financial
Accounting Standards No. 141, Business Combinations (SFAS 141); Statement of
Financial Accounting Standards No. 142, Goodwill and Other Intangible Assets
(SFAS 142); Statement of Financial Accounting Standards No. 143, Accounting for
Asset Retirement Obligations (SFAS 143); Statements of Financial Accounting
Standards No. 144, Accounting for the Impairment or Disposal of Long-Lived
Assets (SFAS 144); Statement of Financial Accounting Standards No. 146,
Accounting for Costs Associated with Exit or Disposal Activities (SFAS 146); and
Statement of Financial


                                      F-23
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

Accounting Standards No. 148, Accounting for Stock-Based Compensation -
Transition and Disclosure - An Amendment of FASB No. 123 (SFAS 148).

      SFAS 141 requires all business combinations initiated after June 30, 2001
be accounted for under the purchase method. SFAS 141 superseded Accounting
Pronouncement Bulletin ("APB") Opinion No. 16, Business Combinations, and
Statement of Financial Accounting Standards No. 38, Accounting for
Preacquisition Contingencies of Purchased Enterprises, and is effective for all
business combinations initiated after June 30, 2001. Given that all of our
acquisitions in 2000 and 2001 were accounted for under the purchase method, the
adoption of SFAS 141 on July 1, 2001 and the cessation of goodwill amortization
on post July 1, 2001 acquisitions as required by SFAS 142, as discussed below,
was not material to our 2001 results of operations and financial position.

      SFAS 142 addresses the financial accounting and reporting for acquired
goodwill and other intangible assets. SFAS 142 supersedes APB Opinion No. 17,
Intangible Assets. Effective January 1, 2002, companies are no longer required
to amortize goodwill and other intangibles that have indefinite lives, but these
assets will be subject to periodic testing for impairment. Additionally,
goodwill acquired in a business combination for which the acquisition date was
after June 1, 2001 is no longer required to be amortized. We adopted SFAS 142
effective January 1, 2002. We completed the initial impairment test during the
second quarter of 2002 and we expect to complete the next annual impairment test
by the end of the second quarter of 2003. At this time we do not expect that the
results of the impairment testing will be material to our results of operations
and financial position.

      The following summary table presents the impact of the elimination of
goodwill amortization as required by the adoption of SFAS 142 on operating
income, profit before tax ("PBT"), equity in affiliates, minority interest and
earnings per share ("EPS") had the statement been in effect at the beginning of
2001.

                                (Dollars in Thousands, except per share amounts)
                                      2002                    2001
                                  -----------     ----------------------------
                                                  as adjusted      as reported
Operating profit ...............  $ 1,104,115     $ 1,062,974     $   968,184
Income before Income Taxes .....    1,073,623         990,175         895,385
Equity in Affiliates ...........       13,811          15,444          12,667
Minority Interest ..............      (68,338)        (54,266)        (52,782)
Diluted EPS ....................  $      3.44     $      3.13     $      2.70

      SFAS 144 establishes a single accounting model for the impairment or
disposal of long-lived assets, including discontinued operations. Effective
January 1, 2002, we adopted SFAS 144. The adoption did not result in an
impairment charge.

      SFAS 146 requires costs associated with exit or disposal activities be
recognized and measured initially at fair value only when the liability is
incurred. SFAS 146 is effective for exit or disposal costs that are initiated
after December 31, 2002. We plan to adopt SFAS 146 effective January 1, 2003. We
do not expect that the adoption will have a material impact on our consolidated
results of operations or financial position.

      SFAS 148 is issued as an amendment to FASB No. 123, Accounting for
Stock-Based Compensation and provides alternative methods of transition for an
entity that voluntarily changes to the fair value based method of accounting for
stock-based employee compensation (in accordance with SFAS 123). We have applied
the accounting provisions of APB Opinion No. 25, "Accounting for Stock Issued to
Employees", and we have made the annual pro forma disclosures of the effect of
adopting the fair value method of accounting for employee stock options and
similar instruments as required by SFAS 123 and permitted under SFAS 148. SFAS
148 also requires pro forma disclosure to be provided on a quarterly basis. We
plan on adopting the quarterly disclosure requirement during the first quarter
of 2003, and will continue to closely monitor developments in the area of
accounting for stock-based compensation.

      FIN 45 sets forth the disclosures to be made by a guarantor in its interim
and annual financial statements about its obligations under guarantees issued.
FIN 45 also clarifies that a guarantor is required to recognize, at inception of
a guarantee, a liability for the fair value of the obligation undertaken. The
initial recognition and measurement provisions of FIN 45 are applicable to
guarantees issued or modified after December 31, 2002. If the initial
recognition and measurement issues were in effect at December 31, 2002, we would
have recorded


                                      F-24
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)

both an asset and a liability of an equal amount of $11.3 million related to
certain real estate lease guarantees and letters of credit. Additional
information appears in note 11 to our consolidated financial statements on pages
F-21 and F-22 of this report.

      FIN 46 addresses the consolidation by business enterprises of variable
interest entities, as defined in the FIN 46 and is based on the concept that
companies that control another entity through interests, other than voting
interests, should consolidate the controlled entity. The consolidation
requirements apply immediately to FIN 46 interests held in variable interest
entities created after January 31, 2003, and to interests held in variable
interest entities that existed prior to February 1, 2003 and remain in existence
as of July 1, 2003. Additionally, FIN 46 would require certain disclosure in our
2002 financial statements if it was reasonably possible that we will consolidate
or disclose information about variable interest entities in existence as of July
1, 2003. The application of FIN 46 did not result in additional disclosure in
our 2002 financial statements and is not expected to have a material impact on
our 2003 consolidated results of operations or financial position.

      The Emerging Issues Task Force ("EITF") of the FASB also released
interpretive guidance covering several topics that impact our financial
statements. These topics include revenue arrangements with multiple deliverables
(EITF 00-21), customer relationship intangible assets acquired (EITF 02-17) and
vendor rebates (EITF 02-16). The application of this guidance did not have a
material impact on our consolidated results of operations or financial position.

14. Legal Proceedings

      On June 13, 2002, a lawsuit was filed against us and certain of our senior
executives in the federal court in the Southern District of New York on behalf
of a purported class of purchasers of our common shares during the period April
25, 2000 to June 11, 2002. The complaint alleges, among other things, that our
press releases and SEC filings during the alleged class period contained
materially false and misleading statements or omitted to state material
information relating to among other things our calculation of our growth rate,
accounting for acquisitions and our future acquisition obligations and our
transfer of our Communicade subsidiary to Seneca Investments LLC. The complaint
seeks an unspecified amount of money damages plus attorneys' fees and other
costs. Eleven other complaints were subsequently filed in the same court, each
making similar allegations and referencing the same class period. All but two of
the complaints have been consolidated into a single proceeding, and the
remaining two are expected to be included as well, with one or more lead
plaintiffs to be appointed in accordance with applicable procedures.

      In addition to the proceedings described above, a shareholder derivative
action was filed on June 28, 2002 by a plaintiff stockholder, purportedly on our
behalf, alleging breaches of fiduciary duty, disclosure failures, abuse of
control and gross mismanagement in connection with the formation of Seneca
Investments LLC, including as a result of open-market sales of our common shares
by our chairman and two former employee directors. The complaint seeks the
imposition of a constructive trust on profits received in the stock sales, an
unspecified amount of money damages and attorneys' fees and other costs. A
motion has been filed to dismiss this action. Subsequently, the parties agreed
to stay further proceedings in this case pending additional developments in the
class action cases described above.

      Management presently expects to defend these cases vigorously. Currently,
we are unable to determine the outcome of these cases and the effect on our
financial position or results of operations. The outcome of any of these matters
is inherently uncertain and may be affected by future events. Accordingly, there
can be no assurance as to the ultimate effect of these matters.

      We are also involved from time to time in various legal proceedings in the
ordinary course of business. We do not presently expect that these proceedings
will have a material adverse effect on our consolidated financial position or
results of operations.

15. Subsequent Events (Unaudited)

      On February 3, 2003, we offered to pay holders of the Liquid Yield Option
notes due in 2031, $30 per $1,000 principal amount of notes as an incentive to
the holders not to exercise their put right. In addition, on February 7, 2003,
we repurchased for cash, notes from holders who tendered their notes for $2.9
million, reducing the aggregate amount of the notes due 2031 to $847.0 million.


                                      F-25
<PAGE>

                       OMNICOM GROUP INC. AND SUBSIDIARIES
                   Quarterly Results of Operations (Unaudited)

      The following table sets forth a summary of the Company's unaudited
quarterly results of operations for the years ended December 31, 2002 and 2001,
in thousands of dollars except for per share amounts. The 2001 amounts have been
adjusted to exclude goodwill amortization.

<TABLE>
<CAPTION>

                                                      Quarter
                               --------------------------------------------------------
                                   First         Second         Third          Fourth
                               -----------    -----------    -----------    -----------
<S>                            <C>            <C>            <C>            <C>
Revenue
   2002 ....................   $ 1,732,426    $ 1,916,569    $ 1,768,459    $ 2,118,845
   2001 ....................     1,601,133      1,746,788      1,571,012      1,970,473

Income Before Income Taxes
   2002 ....................       217,536        324,548        205,827        325,712
   2001 ....................       170,975        271,667        164,090        288,653

Income Taxes
   2002 ....................        79,858        122,014         69,696        104,069
   2001 ....................        67,723        107,613         64,340        112,452

Income After Taxes
   2002 ....................       137,678        202,534        136,131        221,643
   2001 ....................       103,252        164,054         99,750        176,201

Equity in Affiliates
   2002 ....................         2,522          3,454          2,436          5,399
   2001 ....................           410          2,880          2,521          6,858

Minority Interests
   2002 ....................       (11,634)       (18,673)       (12,463)       (25,568)
   2001 ....................        (8,382)       (15,568)        (9,916)       (18,918)

Net Income
   2002 ....................       128,566        187,315        126,104        201,474
   2001 ....................        95,280        151,366         92,355        164,141

Basic Net Income Per Share
   2002 ....................          0.69           1.01           0.68           1.08
   2001 ....................          0.52           0.83           0.50           0.89

Diluted Net Income Per Share
   2002 ....................          0.68           1.00           0.68           1.08
   2001 ....................          0.52           0.81           0.50           0.87
</TABLE>


                                      F-26
<PAGE>

                      [THIS PAGE INTENTIONALLY LEFT BLANK]

<PAGE>

                                                                     Schedule II

                       OMNICOM GROUP INC. AND SUBSIDIARIES
                SCHEDULE II -- VALUATION AND QUALIFYING ACCOUNTS

                   For the Three Years Ended December 31, 2002
                             (Dollars in Thousands)
<TABLE>
<CAPTION>

================================================================================================================
                                             Column A      Column B        Column C      Column D      Column E
- ----------------------------------------------------------------------------------------------------------------

                                            Balance at      Charged       Removal of    Translation     Balance
                                             Beginning     to Costs      Uncollectable  Adjustments    at End of
             Description                     of Period   and Expenses   Receivables (1)  (increase)     Period
- ----------------------------------------------------------------------------------------------------------------
<S>                                            <C>          <C>            <C>            <C>           <C>
Valuation accounts deducted from
  Assets to which they apply --
  Allowance for doubtful accounts:
December 31, 2002 .........................    $79,183      $21,846        $30,113        $(4,659)      $75,575
December 31, 2001 .........................     72,745       30,739         23,764            537        79,183
December 31, 2000 .........................     53,720       25,989          5,224          1,740        72,745

- ----------------------------------------------------------------------------------------------------------------
</TABLE>
(1)   Net of acquisition date balances in allowance for doubtful accounts of
      companies acquired of $2.0 million, $3.1 million and $7.7 million in 2002,
      2001 and 2000, respectively.


                                       S-1
<PAGE>

                                                                    EXHIBIT 21.1

                           SUBSIDIARIES OF REGISTRANT

Significant Subsidiaries
<TABLE>
<CAPTION>

                                                                   Percentage of Voting   Number       Number
                                                     Jurisdiction of Securities Owned      of US      of Non-US
                      Company                         Incorporation    by Registrant   subsidiaries subsidiaries
                     --------                         ------------- ------------------  -----------  ----------
<S>                                                   <C>                   <C>              <C>            <C>
Omnicom Capital Inc. ...........................      Connecticut           100%             0              0
Omnicom Finance Inc. ...........................       Delaware             100%             0              0
Omnicom Europe Limited .........................    United Kingdom          100%             3            384
Omnicom Holdings Inc. ..........................       Delaware             100%             1              0
BBDO Worldwide Inc. ............................       New York             100%            15            331
DDB Worldwide Communications Group, Inc. .......       New York             100%            12            221
TBWA Worldwide Inc. ............................       New York             100%            20            233
DAS Holdings Inc. ..............................       Delaware             100%            10              2
Omnicom Media Group Holdings Inc. ..............       Delaware             100%             4              7
Fleishman-Hillard Inc. .........................       Delaware             100%             7             16
Ketchum Inc. ...................................       Delaware             100%             3              3
InterOne Marketing Group, Inc. .................       Michigan             100%             1              1
Bernard Hodes Group, Inc .......................       Delaware             100%             2              0
Rapp Partnership Holdings Inc. .................       Delaware             100%             5              0
Cline, Davis & Mann, Inc. ......................       New York             100%             0              0
Zimmerman and Partners Advertising .............       Delaware             100%             8              0
</TABLE>


                                       S-2
<PAGE>

Other Agencies

<TABLE>
<CAPTION>

                                                                 Percentage of Voting
                                                Jurisdiction of    Security Owned by
                      Company                    Incorporation        Registrant
                     --------                    ------------     ------------------
<S>                                                <C>                     <C>
Accel Healthcare                                   Delaware                63%
Adelphi Group                                   United Kingdom            100%
Alcone Marketing Group                            California              100%
Anderson DDB                                        Canada                100%
ARA Group                                         Netherlands             100%
Arnell Group                                       Delaware               100%
atmosphere                                         Delaware                90%
Auditoire                                           France                100%
AWE                                                Delaware               100%
Brodeur Worldwide                                Massachusetts            100%
Carlson and Partners                               New York               100%
Changing Our World                                 Delaware               100%
Clark & Weinstock                                  Delaware               100%
Claydon Heeley Jones Mason                      United Kingdom            100%
Cone                                             Massachusetts            100%
Corbett Healthcare Group                           Illinois               100%
CPM                                             United Kingdom            100%
Davie-Brown                                       California              100%
del Rivero Messianu                                Delaware                80%
Dieste, Harnel & Partners                            Texas                100%
Direct Partners                                    Delaware               100%
Doremus                                            Delaware               100%
Eden Communications Group                          Delaware               100%
Element 79 Partners                                Delaware                80%
Gavin Anderson & Company                           Delaware               100%
Generator                                           Canada                100%
Goodby, Silverstein & Partners                    California              100%
Grizzard Communications                            Delaware               100%
GSD&M                                                Texas                100%
Harrison & Star Business Group                     New York               100%
Heye & Partner                                      Germany               100%
Horrow Sports Ventures                              Florida                80%
ICON                                              Connecticut              51%
Integer Group                                      Colorado               100%
Integrated Merchandising Services                  Delaware               100%
Interbrand                                         New York               100%
InterScreen                                         Germany               100%
Jump                                                France                 90%
Kaleidoscope                                       New York               100%
Ketchum Directory Advertising                      Delaware               100%
KPR                                                New York               100%
Lieber Levett Koenig Farese Babcock                New York               100%
Lyons Lavey Nickel Swift                           New York               100%
M/A/R/C Research                                     Texas                100%
Market Star                                          Utah                 100%
Martin/Williams                                    Minnesota              100%
Matthews Media Group                               Maryland               100%
Merkley Newman Harty & Partners                    Delaware               100%
MicroMedia                                          Finland               100%
Millsport                                          Delaware                60%
Moss Dragoti                                          N/A                  N/A
National In-Store                                   Florida               100%
New Solutions                                   United Kingdom            100%
Novus                                              Delaware               100%
OMD USA Inc.                                       Delaware               100%
</TABLE>


                                       S-3
<PAGE>

Other Agencies
<TABLE>
<CAPTION>
                                                                 Percentage of Voting
                                                Jurisdiction of    Security Owned by
                      Company                    Incorporation        Registrant
                     --------                    ------------     ------------------
<S>                                                <C>                    <C>
Organic                                            Delaware               100%
Paris Venise Design                                 France                100%
PGC Advertising                                      Texas                100%
PhD                                             United Kingdom            100%
Porter Novelli Inc.                                Delaware               100%
Radiate Sports & Entertainment Group               Delaware               100%
Russ Reid Company                                  Illinois                50%
Salesforce                                         Australia              100%
Screen                                              Germany               100%
Sellbytel                                           Germany              76.3%
Serino Coyne                                       New York                80%
Staniforth                                      United Kingdom            100%
Steiner Sports Marketing                           New York               100%
TARGIS Healthcare Communications Worldwide          Germany                85%
Tequila                                            Delaware               100%
The Ant Farm                                      California               90%
The Designory                                     California              100%
The Marketing Arm                                  Delaware               100%
The Promotion Network                                Texas                 51%
TicToc                                             Delaware                85%
TPG                                                Delaware               100%
Tracy Locke Partnership                              Texas                100%
Tribal DDB                                         Delaware               100%
U.S. Marketing & Promotions                        Delaware               100%
Washington Speakers Bureau                         Delaware               100%
Wolff Olins                                     United Kingdom            100%
</TABLE>



                                      S-4

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>3
<FILENAME>e14241ex10_1.txt
<DESCRIPTION>THREE YEAR CREDIT AGREEMENT
<TEXT>
                                                                    Exhibit 10.1

                           THREE YEAR CREDIT AGREEMENT

                          Dated as of November 14, 2002

      OMNICOM  FINANCE INC., a Delaware  corporation  ("OFI"),  OMNICOM  CAPITAL
INC., a Connecticut  corporation ("OCI"), and OMNICOM FINANCE PLC, a corporation
organized under the laws of England and Wales ("OFP";  OFI, OCI and OFP are each
a "Borrower" and collectively, the "Borrowers"),  OMNICOM GROUP INC., a New York
corporation  (the  "Guarantor"),  the banks,  financial  institutions  and other
institutional  lenders (the "Initial  Lenders")  listed on the  signature  pages
hereof,  SALOMON SMITH BARNEY INC. and ABN AMRO INCORPORATED,  as lead arrangers
and book  managers,  ABN AMRO BANK N.V., as  syndication  agent,  HSBC BANK USA,
WACHOVIA BANK,  NATIONAL  ASSOCIATION  and SOCIETE  GENERALE,  as  documentation
agents, and CITIBANK,  N.A. ("Citibank"),  as administrative agent (the "Agent")
for the Lenders (as hereinafter defined), agree as follows:

                                    ARTICLE I

                        DEFINITIONS AND ACCOUNTING TERMS

      SECTION  1.01.  Certain  Defined  Terms.  As used in this  Agreement,  the
following  terms shall have the following  meanings (such meanings to be equally
applicable to both the singular and plural forms of the terms defined):

            "Advance"  means an advance  by a Lender to a Borrower  as part of a
      Borrowing and refers to a Base Rate Advance or a Eurocurrency Rate Advance
      (each of which shall be a "Type" of Advance).

            "Affiliate" means, as to any Person, any other Person (other than an
      individual) that, directly or indirectly, controls, is controlled by or is
      under  common  control with such Person;  provided  that,  for purposes of
      Section 5.01(h),  an Affiliate of a Borrower shall include any Person that
      (x) is a director  or officer  of such  Person or (y) has the  possession,
      direct or indirect, of the power to vote 5% or more of the Voting Stock of
      such Person.  A Person shall be deemed to control  another  Person if such
      Person possesses, directly or indirectly, the power to direct or cause the
      direction of the management and policies of such Person,  whether  through
      the ownership of Voting Stock, by contract or otherwise.

            "Agent's  Account" means (a) in the case of Advances  denominated in
      Dollars,  the account of the Agent  maintained by the Agent at Citibank at
      its office at 388 Greenwich Street, New York, New York 10013,  Account No.
      36852248,  Attention: Bank Loan Syndications,  (b) in the case of Advances
      denominated  in any  Committed  Currency,  the  account  of the  Sub-Agent
      designated  in writing from time to time by the Agent to the Borrowers and
      the Lenders for such purpose and (c) in any such case,  such other account
      of the Agent as is designated in writing from time to time by the Agent to
      the Borrowers and the Lenders for such purpose.

            "Applicable Lending Office" means, with respect to each Lender, such
      Lender's  Domestic  Lending  Office in the case of a Base Rate Advance and
      such Lender's  Eurocurrency  Lending  Office in the case of a Eurocurrency
      Rate Advance.

            "Applicable  Margin" means (a) for Base Rate Advances,  0% per annum
      and (b) for Eurocurrency  Rate Advances,  as of any date, a percentage per
      annum  determined by reference to the Public Debt Rating in effect on such
      date as set forth below:


<PAGE>

            --------------------------------------------------------
               Public Debt Rating           Applicable Margin for
                  S&P/Moody's            Eurocurrency Rate Advances
            --------------------------------------------------------
                  Level 1
                  A+ or A1 or above                   0.150%
            --------------------------------------------------------
                  Level 2
                  A or A2                             0.255%
            --------------------------------------------------------
                  Level 3
                  A- or A3                            0.370%
            --------------------------------------------------------
                  Level 4
                  BBB+ or Baa1                        0.475%
            --------------------------------------------------------
                  Level 5
                  BBB or Baa2                         0.700%
            --------------------------------------------------------
                  Level 6
                  Lower than Level 5                  0.750%
            --------------------------------------------------------

      "Applicable  Percentage"  means,  as of any date, a  percentage  per annum
determined  by reference to the Public Debt Rating in effect on such date as set
forth below:

            --------------------------------------------------------
                   Public Debt Rating               Applicable
                      S&P/Moody's                   Percentage
            --------------------------------------------------------
                  Level 1
                  A+ or A1 or above                   0.100%
            --------------------------------------------------------
                  Level 2
                  A or A2                             0.120%
            --------------------------------------------------------
                  Level 3
                  A- or A3                            0.130%
            --------------------------------------------------------
                  Level 4
                  BBB+ or Baa1                        0.150%
            --------------------------------------------------------
                  Level 5
                  BBB or Baa2                         0.175%
            --------------------------------------------------------
                  Level 6
                  Lower than Level 5                  0.250%
            --------------------------------------------------------

      "Applicable  Utilization  Fee"  means,  as of any date that the  aggregate
Advances  exceed  50% of the  aggregate  Commitments,  a  percentage  per  annum
determined  by reference to the Public Debt Rating in effect on such date as set
forth below:

            --------------------------------------------------------
                   Public Debt Rating              Applicable
                       S&P/Moody's               Utilization Fee
            --------------------------------------------------------
                  Level 1
                  A+ or A1 or above                   0.125%
            --------------------------------------------------------
                  Level 2
                  A or A2                             0.125%
            --------------------------------------------------------
                  Level 3
                  A- or A3                            0.125%
            --------------------------------------------------------
                  Level 4
                  BBB+ or Baa1                        0.125%
            --------------------------------------------------------
                  Level 5
                  BBB or Baa2                         0.125%
            --------------------------------------------------------
                  Level 6
                  Lower than Level 5                  0.250%
            --------------------------------------------------------


                                       2
<PAGE>

      "Assignment  and  Acceptance"  means an assignment and acceptance  entered
into by a Lender  and an  Eligible  Assignee,  and  accepted  by the  Agent,  in
substantially the form of Exhibit C hereto.

      "Assuming Lender" has the meaning specified in Section 2.17(d).

      "Assumption Agreement" has the meaning specified in Section 2.17(d)(ii).

      "Bankruptcy  Law" means  Title 11,  U.S.  Code,  or any  similar  foreign,
federal or state law for the relief of debtors.

      "Base Rate"  means a  fluctuating  interest  rate per annum in effect from
time to time,  which rate per annum  shall at all times be equal to the  highest
of:

            (a) the rate of interest announced publicly by Citibank in New York,
      New York, from time to time, as Citibank's base rate;

            (b) the sum  (adjusted  to the  nearest 1/4 of 1% or, if there is no
      nearest  1/4 of 1%,  to the  next  higher  1/4 of 1%) of (i) 1/2 of 1% per
      annum,  plus (ii) the rate obtained by dividing (A) the latest  three-week
      moving average of secondary  market  morning  offering rates in the United
      States for  three-month  certificates  of deposit of major  United  States
      money market banks,  such three-week moving average (adjusted to the basis
      of a year of 360 days) being determined weekly on each Monday (or, if such
      day is not a Business  Day, on the next  succeeding  Business Day) for the
      three-week  period ending on the previous  Friday by Citibank on the basis
      of such rates reported by certificate of deposit  dealers to and published
      by the Federal Reserve Bank of New York or, if such  publication  shall be
      suspended  or  terminated,  on the  basis of  quotations  for  such  rates
      received by Citibank from three New York certificate of deposit dealers of
      recognized  standing  selected by Citibank,  by (B) a percentage  equal to
      100% minus the  average of the daily  percentages  specified  during  such
      three-week  period by the Board of Governors of the Federal Reserve System
      (or  any  successor)  for  determining  the  maximum  reserve  requirement
      (including,  but not  limited  to, any  emergency,  supplemental  or other
      marginal  reserve  requirement)  for Citibank with respect to  liabilities
      consisting of or including (among other  liabilities)  three-month  Dollar
      non-personal  time deposits in the United  States,  plus (iii) the average
      during such three-week  period of the annual assessment rates estimated by
      Citibank for  determining  the then current annual  assessment  payable by
      Citibank to the Federal Deposit  Insurance  Corporation (or any successor)
      for insuring Dollar deposits of Citibank in the United States; and

            (c) 1/2 of one percent per annum above the Federal Funds Rate.

      "Base Rate  Advance"  means an Advance  denominated  in Dollars that bears
interest as provided in Section 2.06(a)(i).

      "Borrowing" means a borrowing  consisting of simultaneous  Advances of the
same Type made by each of the Lenders pursuant to Section 2.01.

      "Borrowing Minimum" means, in respect of Advances  denominated in Dollars,
$10,000,000,  in respect of Advances denominated in Sterling,  (pound)10,000,000
and, in respect of Advances denominated in Euros, (euro)10,000,000.

      "Borrowing Multiple" means, in respect of Advances denominated in Dollars,
$1,000,000 in respect of Advances denominated in Sterling, (pound)1,000,000 and,
in respect of Advances denominated in Euros, (euro)1,000,000.


                                       3
<PAGE>

      "Business  Day" means a day of the year on which banks are not required or
authorized by law to close in New York City and, if the applicable  Business Day
relates to any Eurocurrency  Rate Advances,  on which dealings are carried on in
the London interbank market and banks are open for business in London and in the
country of issue of the currency of such  Eurocurrency  Rate Advance (or, in the
case of an Advance  denominated in Euro, on which the  Trans-European  Automated
Real-Time Gross Settlement Express Transfer (TARGET) System is open).

      "Commitment"  means as to any  Lender  (a) the  Dollar  amount  set  forth
opposite such Lender's  name on the signature  pages hereof,  (b) if such Lender
has become a Lender hereunder  pursuant to an Assumption  Agreement,  the Dollar
amount set forth in such Assumption  Agreement or (c) if such Lender has entered
into any Assignment and Acceptance,  the Dollar amount set forth for such Lender
in the Register  maintained by the Agent  pursuant to Section  9.07(d),  as such
amount may be reduced pursuant to Section 2.04 or increased  pursuant to Section
2.17.

      "Commitment Date" has the meaning specified in Section 2.17(b).

      "Commitment Increase" has the meaning specified in Section 2.17(a).

      "Committed  Currencies"  means  lawful  currency of the United  Kingdom of
Great Britain and Northern Ireland and Euros.

      "Confidential  Information"  means information that a Loan Party furnishes
to the Agent or any Lender in a writing designated as confidential, but does not
include  any such  information  that is or becomes  generally  available  to the
public or that is or becomes available to the Agent or such Lender from a source
other than a Loan Party.

      "Consolidated"  refers to the consolidation of accounts in accordance with
GAAP.

      "Convert",  "Conversion"  and  "Converted"  each refers to a conversion of
Advances of one Type into Advances of the other Type pursuant to Section 2.07 or
2.08.

      "Debt" of any Person means, without  duplication,  (a) all indebtedness of
such  Person for  borrowed  money,  (b) all  obligations  of such Person for the
deferred  purchase  price of property or services  (other than earn-out  payment
obligations  of such  Person in  connection  with the  purchase  of  property or
services to the extent they are still  contingent),  (c) all obligations of such
Person evidenced by notes, bonds,  debentures or other similar instruments,  (d)
all obligations of such Person 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),  (e) all  obligations of such Person as lessee under leases that have
been or should be, in accordance with GAAP,  recorded as capital leases, (f) all
obligations,  contingent or otherwise, of such Person in respect of acceptances,
letters of credit or similar  extensions of credit,  (g) all obligations of such
Person in respect of Hedge  Agreements,  (h) all Debt of others  referred  to in
clauses (a) through (g) above or clause (i) below and other payment  obligations
guaranteed  directly or  indirectly  in any manner by such Person,  or in effect
guaranteed directly or indirectly by such Person through an agreement (1) to pay
or purchase  such Debt or to advance or supply funds for the payment or purchase
of such Debt, (2) to purchase,  sell or lease (as lessee or lessor) property, or
to purchase or sell  services,  primarily for the purpose of enabling the debtor
to make payment of such Debt or to assure the holder of such Debt against  loss,
(3) to supply  funds to or in any other manner  invest in the debtor  (including
any  agreement  to pay for  property or services  irrespective  of whether  such
property is received or such services are rendered) or (4) otherwise to assure a
creditor  against loss,  and (i) all Debt referred to in clauses (a) through (h)
above  secured by (or for which the holder of such Debt has an  existing  right,
contingent  or  otherwise,  to be secured by) any Lien on  property  (including,
without  limitation,  accounts and contract  rights) owned by such Person,  even
though  such  Person has not  assumed or become  liable for the  payment of such
Debt.


                                       4
<PAGE>

      "Debt  for  Borrowed  Money"  of any  Person  means  all  items  that,  in
accordance  with GAAP,  would be classified as  indebtedness  on a  Consolidated
balance sheet of such Person.

      "Default" means any Event of Default or any event that would constitute an
Event of Default but for the requirement  that notice be given or time elapse or
both.

      "Disclosed Litigation" has the meaning specified in Section 3.01(b).

      "Dollars" and the "$" sign each means lawful currency of the United States
of America.

      "Domestic Lending Office" means, with respect to any Lender, the office of
such Lender  specified as its  "Domestic  Lending  Office"  opposite its name on
Schedule  I  hereto  or in  the  Assumption  Agreement  or  the  Assignment  and
Acceptance  pursuant to which it became a Lender,  or such other  office of such
Lender as such  Lender may from time to time  specify to the  Borrowers  and the
Agent.

      "EBITDA" means,  for any period,  net income (or net loss) plus the sum of
(a) net interest expense,  (b) income tax expense,  (c) depreciation expense and
(d)  amortization  expense,  in each case determined in accordance with GAAP for
such period.

      "Effective Date" has the meaning specified in Section 3.01.

      "Eligible Assignee" means (i) a Lender; (ii) an Affiliate of a Lender; and
(iii) any other Person approved by the Agent and, unless an Event of Default has
occurred and is continuing at the time any  assignment is effected in accordance
with Section 9.07, the Guarantor,  such approval not to be unreasonably withheld
or delayed;  provided,  however,  that neither the Guarantor nor an Affiliate of
the Guarantor shall qualify as an Eligible Assignee.

      "Environmental  Action" means any action,  suit,  demand,  demand  letter,
claim,  notice of non-compliance or violation,  notice of liability or potential
liability,  investigation,   proceeding,  consent  order  or  consent  agreement
relating in any way to any Environmental Law,  Environmental Permit or hazardous
materials or arising from alleged  injury or threat of injury to health,  safety
or the environment,  including,  without limitation,  (a) by any governmental or
regulatory authority for enforcement,  cleanup, removal,  response,  remedial or
other actions or damages and (b) by any governmental or regulatory  authority or
any third  party for  damages,  contribution,  indemnification,  cost  recovery,
compensation or injunctive relief.

      "Environmental  Law" means any federal,  state,  local or foreign statute,
law, ordinance,  rule, regulation,  code, order, judgment, decree or judicial or
agency interpretation, policy or guidance relating to pollution or protection of
the  environment,  health,  safety  or  natural  resources,  including,  without
limitation,  those  relating to the use,  handling,  transportation,  treatment,
storage, disposal, release or discharge of hazardous materials.

      "Environmental Permit" means any permit, approval,  identification number,
license or other authorization required under any Environmental Law.

      "Equivalent"  in Dollars of any  Committed  Currency on any date means the
equivalent in Dollars of such Committed Currency  determined by using the quoted
spot rate at which the Sub-Agent's principal office in London offers to exchange
Dollars for such Committed Currency in London at approximately 4:00 P.M. (London
time) (unless  otherwise  indicated by the terms of this Agreement) on such date
as is required pursuant to the terms of this Agreement,  and the "Equivalent" in
any  Committed  Currency  of  Dollars  means the  equivalent  in such  Committed
Currency  of  Dollars  determined  by using  the  quoted  spot rate at which the
Sub-Agent's  principal  office  in  London  offers to  exchange  such  Committed
Currency for Dollars in London at approximately  4:00 P.M. (London time) (unless
otherwise  indicated by the terms of this Agreement) on such date as is required
pursuant to the terms of this Agreement.


                                       5
<PAGE>

      "ERISA"  means the Employee  Retirement  Income  Security Act of 1974,  as
amended from time to time, and the  regulations  promulgated  and rulings issued
thereunder.

      "ERISA  Affiliate" means any Person that for purposes of Title IV of ERISA
is a member of the  Guarantor's  controlled  group, or under common control with
the Guarantor, within the meaning of Section 414 of the Internal Revenue Code.

      "ERISA Event" means (a) (i) the occurrence of a reportable  event,  within
the meaning of Section 4043 of ERISA, with respect to any Plan unless the 30-day
notice  requirement  with respect to such event has been waived by the PBGC,  or
(ii) the  requirements  of subsection  (1) of Section  4043(b) of ERISA (without
regard to subsection (2) of such Section) are met with respect to a contributing
sponsor,  as defined in Section  4001(a)(13)  of ERISA,  of a Plan, and an event
described in paragraph (9), (10), (11), (12) or (13) of Section 4043(c) of ERISA
is  reasonably  expected to occur with respect to such Plan within the following
30 days;  (b) the  application  for a minimum  funding  waiver with respect to a
Plan; (c) the provision by the  administrator  of any Plan of a notice of intent
to terminate  such Plan pursuant to Section  4041(a)(2) of ERISA  (including any
such notice with respect to a plan amendment  referred to in Section  4041(e) of
ERISA);  (d) the  cessation of  operations at a facility of the Guarantor or any
ERISA Affiliate in the circumstances  described in Section 4062(e) of ERISA; (e)
the withdrawal by the Guarantor or any ERISA Affiliate from a Multiple  Employer
Plan during a plan year for which it was a substantial  employer,  as defined in
Section  4001(a)(2) of ERISA;  (f) the  conditions  for the imposition of a lien
under Section  302(f) of ERISA shall have been met with respect to any Plan; (g)
the adoption of an amendment to a Plan  requiring  the  provision of security to
such Plan pursuant to Section 307 of ERISA;  or (h) the  institution by the PBGC
of  proceedings  to terminate a Plan  pursuant to Section 4042 of ERISA,  or the
occurrence  of any event or  condition  described  in Section 4042 of ERISA that
constitutes  grounds for the  termination of, or the appointment of a trustee to
administer, a Plan.

      "EURIBO Rate" means,  for any Interest Period for each  Eurocurrency  Rate
Advance  comprising part of the same Borrowing,  the rate per annum appearing on
Page 248 of the Telerate Service (or on any successor or substitute page of such
Service,  or any successor to or substitute  for such  Service,  providing  rate
quotations  comparable to those currently provided on such page of such Service,
as  determined  by the  Agent  from  time  to time  for  purposes  of  providing
quotations of interest rates  applicable to deposits in Euro by reference to the
Banking  Federation of the European Union Settlement Rates for deposits in Euro)
at  approximately  10:00  a.m.,  London  time,  two  Business  Days prior to the
commencement of such Interest  Period,  as the rate for deposits in Euros with a
maturity  comparable to such Interest  Period or, if for any reason such rate is
not available, the average (rounded upward to the nearest whole multiple of 1/16
of 1% per annum, if such average is not such a multiple) of the respective rates
per annum at which deposits in Euros are offered by the principal office of each
of the Reference Banks in London, England to prime banks in the London interbank
market at 11:00 A.M.  (London  time) two  Business  Days before the first day of
such Interest Period in an amount  substantially  equal to such Reference Bank's
Eurocurrency  Rate Advance  comprising  part of such Borrowing to be outstanding
during  such  Interest  Period and for a period  equal to such  Interest  Period
(subject, however, to the provisions of Section 2.07).

      "Euro" means the lawful  currency of the European  Union as constituted by
the Treaty of Rome which established the European Community,  as such treaty may
be amended from time to time and as referred to in the EMU legislation.

      "Eurocurrency  Liabilities"  has the  meaning  assigned  to  that  term in
Regulation  D of the Board of  Governors of the Federal  Reserve  System,  as in
effect from time to time.

      "Eurocurrency  Lending  Office"  means,  with  respect to any Lender,  the
office of such Lender  specified as its  "Eurocurrency  Lending Office" opposite
its name on Schedule I hereto or in the  Assumption  Agreement or the Assignment
and Acceptance pursuant to which it became a Lender (or, if no such office


                                       6
<PAGE>

is specified,  its Domestic Lending Office), or such other office of such Lender
as such Lender may from time to time specify to the Borrowers and the Agent.

      "Eurocurrency  Rate" means, for any Interest Period for each  Eurocurrency
Rate Advance  comprising part of the same Borrowing,  an interest rate per annum
equal to the rate per  annum  obtained  by  dividing  (a)(i)  in the case of any
Advance  denominated  in Dollars or any Committed  Currency other than Euro, the
rate per annum  (rounded  upward to the nearest whole multiple of 1/16 of 1% per
annum)  appearing on Telerate  Markets Page 3750 (or any successor  page) as the
London  interbank  offered  rate  for  deposits  in  Dollars  or the  applicable
Committed  Currency at approximately  11:00 A.M. (London time) two Business Days
prior to the first day of such  Interest  Period for a term  comparable  to such
Interest Period or, if for any reason such rate is not available (but subject to
the  provisions of Section  2.07),  the average  (rounded  upward to the nearest
whole multiple of 1/16 of 1% per annum,  if such average is not such a multiple)
of the rate per annum at which deposits in Dollars or the  applicable  Committed
Currency is offered by the principal  office of each of the  Reference  Banks in
London,  England  to prime  banks in the London  interbank  market at 11:00 A.M.
(London time) two Business Days before the first day of such Interest  Period in
an amount substantially equal to such Reference Bank's Eurocurrency Rate Advance
comprising part of such Borrowing to be outstanding  during such Interest Period
and for a  period  equal to such  Interest  Period  or,  (ii) in the case of any
Advance  denominated in Euros, the EURIBO Rate by (b) a percentage equal to 100%
minus the Eurocurrency Rate Reserve Percentage for such Interest Period.

      "Eurocurrency  Rate Advance" means an Advance  denominated in Dollars or a
Committed Currency that bears interest as provided in Section 2.06(a)(ii).

      "Eurocurrency  Rate Reserve  Percentage"  for any Interest  Period for all
Eurocurrency  Rate  Advances  comprising  part of the same  Borrowing  means the
reserve  percentage  applicable  two Business  Days before the first day of such
Interest  Period  under  regulations  issued  from  time to time by the Board of
Governors of the Federal  Reserve System (or any successor) for  determining the
maximum  reserve  requirement  (including,  without  limitation,  any emergency,
supplemental  or other marginal  reserve  requirement)  for a member bank of the
Federal  Reserve  System in New York City with respect to  liabilities or assets
consisting  of or  including  Eurocurrency  Liabilities  (or with respect to any
other category of liabilities  that includes  deposits by reference to which the
interest rate on Eurocurrency  Rate Advances is determined)  having a term equal
to such Interest Period.

      "Events of Default" has the meaning specified in Section 6.01.

      "Federal Funds Rate" means,  for any period,  a fluctuating  interest rate
per annum equal for each day during such period 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 such day (or,
if such day 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 that is a 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.

      "GAAP" has the meaning specified in Section 1.03.

      "Guaranteed Obligations" has the meaning specified in Section 7.01.

      "Guaranty" means the provisions of Article VII.

      "Hedge  Agreements"  means interest rate swap,  cap or collar  agreements,
interest rate future or option  contracts,  currency swap  agreements,  currency
future or option contracts and other similar agreements.

      "Increase Date" has the meaning specified in Section 2.17(a).


                                       7
<PAGE>

      "Increasing Lender" has the meaning specified in Section 2.17(b).

      "Information Memorandum" means the information memorandum dated October 8,
2002 used by the Agent in connection with the syndication of the Commitments.

      "Interest  Period" means, for each  Eurocurrency  Rate Advance  comprising
part  of the  same  Borrowing,  the  period  commencing  on  the  date  of  such
Eurocurrency Rate Advance or the date of the Conversion of any Base Rate Advance
into such  Eurocurrency  Rate  Advance  and ending on the last day of the period
selected  by the  applicable  Borrower  pursuant  to the  provisions  below and,
thereafter,  with respect to Eurocurrency Rate Advances,  each subsequent period
commencing  on the last day of the  immediately  preceding  Interest  Period and
ending on the last day of the period  selected by such Borrower  pursuant to the
provisions  below.  The duration of each such Interest Period shall be one, two,
three or six  months,  and  subject  to clause (c) of this  definition,  nine or
twelve months, as the applicable Borrower may, upon notice received by the Agent
not later than 11:00 A.M.  (New York City time) on the third  Business Day prior
to the first day of such Interest Period, select; provided, however, that:

            (a) the Borrowers may not select any Interest Period that ends after
      the Termination Date;

            (b) Interest  Periods  commencing on the same date for  Eurocurrency
      Rate Advances  comprising  part of the same Borrowing shall be of the same
      duration;

            (c) in the case of any such  Borrowing,  the Borrowers  shall not be
      entitled to select an Interest  Period  having  duration of nine or twelve
      months unless, by 2:00 P.M. (New York City time) on the third Business Day
      prior to the first day of such Interest  Period,  each Lender notifies the
      Agent that such Lender will be providing  funding for such  Borrowing with
      such Interest Period (the failure of any Lender to so respond by such time
      being  deemed for all  purposes of this  Agreement as an objection by such
      Lender to the requested duration of such Interest Period);  provided that,
      if any or all of the  Lenders  object to the  requested  duration  of such
      Interest  Period,  the duration of the Interest  Period for such Borrowing
      shall be one,  two,  three or six months,  as  specified  by the  Borrower
      requesting  such  Borrowing in the  applicable  Notice of Borrowing as the
      desired alternative to an Interest Period of nine or twelve months;

            (d)  whenever the last day of any  Interest  Period would  otherwise
      occur on a day other than a Business  Day,  the last day of such  Interest
      Period  shall be extended to occur on the next  succeeding  Business  Day,
      provided,  however,  that, if such  extension  would cause the last day of
      such Interest Period to occur in the next following  calendar  month,  the
      last  day of such  Interest  Period  shall  occur  on the  next  preceding
      Business Day; and

            (e) whenever the first day of any Interest Period occurs on a day of
      an initial calendar month for which there is no numerically  corresponding
      day in the calendar month that succeeds such initial calendar month by the
      number of months in such Interest  Period,  such Interest Period shall end
      on the last Business Day of such succeeding calendar month.

      "Internal  Revenue  Code"  means the  Internal  Revenue  Code of 1986,  as
amended from time to time, and the  regulations  promulgated  and rulings issued
thereunder.

      "Lenders"  means the  Initial  Lenders,  each  Assuming  Lender that shall
become a party hereto pursuant to Section 2.17 and each Person that shall become
a party hereto pursuant to Section 9.07.

      "Lien" means any lien, security interest or other charge or encumbrance of
any kind,  or any other type of  preferential  arrangement  intended  to provide
security for the payment or  performance of an  obligation,  including,  without
limitation,  the lien or retained security title of a conditional vendor and any
easement, right of way or other encumbrance on title to real property.


                                       8
<PAGE>

      "Loan Party" means each Borrower and the Guarantor.

      "Material  Adverse  Change"  means  any  material  adverse  change  in the
business,  condition  (financial  or  otherwise),   operations,  performance  or
properties of the Guarantor or the  Guarantor  and its  Subsidiaries  taken as a
whole.

      "Material  Adverse  Effect"  means a  material  adverse  effect on (a) the
business,  condition  (financial  or  otherwise),   operations,  performance  or
properties of the Guarantor or the  Guarantor  and its  Subsidiaries  taken as a
whole,  (b) the  rights  and  remedies  of the Agent or any  Lender  under  this
Agreement  or any Note or (c) the  ability  of any Loan  Party  to  perform  its
obligations under this Agreement or any Note.

      "Moody's" means Moody's Investors Service, Inc.

      "Multiemployer  Plan" means a  multiemployer  plan,  as defined in Section
4001(a)(3) of ERISA,  to which the Guarantor or any ERISA Affiliate is making or
accruing an obligation to make contributions, or has within any of the preceding
five plan years made or accrued an obligation to make contributions.

      "Multiple  Employer  Plan"  means a single  employer  plan,  as defined in
Section  4001(a)(15)  of ERISA,  that (a) is  maintained  for  employees  of the
Guarantor  or any  ERISA  Affiliate  and at  least  one  Person  other  than the
Guarantor and the ERISA  Affiliates  or (b) was so maintained  and in respect of
which the Guarantor or any ERISA  Affiliate  could have liability  under Section
4064 or 4069 of ERISA in the event such plan has been or were to be terminated.

      "Note" means a promissory  note of a Borrower  payable to the order of any
Lender, delivered pursuant to a request made under Section 2.15 in substantially
the form of Exhibit A hereto,  evidencing  the  aggregate  indebtedness  of such
Borrower to such Lender  resulting from the Advances made by such Lender to such
Borrower.

      "Notice of Borrowing" has the meaning specified in Section 2.02(a).

      "Payment  Office"  means,  for any  Committed  Currency,  such  office  of
Citibank as shall be from time to time selected by the Agent and notified by the
Agent to the Borrowers and the Lenders.

      "PBGC" means the Pension Benefit Guaranty Corporation (or any successor).

      "Permitted  Liens" means such of the following as to which no enforcement,
collection, execution, levy or foreclosure proceeding shall have been commenced:
(a) Liens for  taxes,  assessments  and  governmental  charges  or levies to the
extent not required to be paid under Section 5.01(b)  hereof;  (b) Liens imposed
by law, such as materialmen's,  mechanics', carriers', workmen's and repairmen's
Liens and  other  similar  Liens  arising  in the  ordinary  course of  business
securing  obligations  that are not overdue for a period of more than 30 days or
that are being  contested  in good  faith and by  appropriate  proceedings  that
prevent the  forfeiture or sale of the assets  subject to such Lien; (c) pledges
or deposits to secure  obligations  under workers'  compensation laws or similar
legislation or to secure public or statutory  obligations  or, in any such case,
to secure  reimbursement  obligations under letters of credit or bonds issued to
support  such  obligations;   and  (d)  easements,   rights  of  way  and  other
encumbrances  on title to real property that do not render title to the property
encumbered thereby  unmarketable or materially  adversely affect the use of such
property for its present purposes.

      "Person"  means  an  individual,  partnership,  corporation  (including  a
business trust), joint stock company, trust, unincorporated  association,  joint
venture,  limited  liability  company or other  entity,  or a government  or any
political subdivision or agency thereof.

      "Plan" means a Single Employer Plan or a Multiple Employer Plan.


                                       9
<PAGE>

      "Post-Petition Interest" has the meaning specified in Section 7.05.

      "PTR Scheme" shall mean the Provisional  Treaty Relief Scheme as described
in Inland  Revenue  Guidelines  dated July 1999 and  administered  by the Inland
Revenue's Centre for Non-Residents.

      "Public Debt Rating" means,  as of any date, the rating that has been most
recently  announced by either S&P or Moody's,  as the case may be, for any class
of non-credit  enhanced  long-term senior unsecured debt issued by the Guarantor
or, if either such rating  agency  shall have issued more than one such  rating,
the lowest  such  rating  issued by such  rating  agency.  For  purposes  of the
foregoing, (a) if only one of S&P and Moody's shall have in effect a Public Debt
Rating,  the Applicable  Margin,  the  Applicable  Percentage and the Applicable
Utilization Fee shall be determined by reference to the available rating; (b) if
neither  S&P nor  Moody's  shall  have in  effect  a  Public  Debt  Rating,  the
Applicable Margin, the Applicable Percentage and the Applicable  Utilization Fee
will be set in  accordance  with  Level 6 under the  definition  of  "Applicable
Margin",  "Applicable  Percentage" or "Applicable  Utilization Fee", as the case
may be; (c) if the  ratings  established  by S&P and  Moody's  shall fall within
different  levels,  the Applicable  Margin,  the  Applicable  Percentage and the
Applicable  Utilization  Fee shall be based upon the higher  rating  unless such
rating differs by two or more levels, in which case the applicable level will be
deemed  to be one  level  above  the  lower of such  levels;  (d) if any  rating
established  by S&P or Moody's shall be changed,  such change shall be effective
as of the date on which such  change is first  announced  publicly by the rating
agency  making such change;  and (e) if S&P or Moody's shall change the basis on
which  ratings  are  established,  each  reference  to the  Public  Debt  Rating
announced  by S&P or  Moody's,  as the  case  may be,  shall  refer  to the then
equivalent rating by S&P or Moody's, as the case may be.

      "Reference Banks" means Citibank,  ABN AMRO Bank N.V., JPMorgan Chase Bank
and Wachovia Bank, National Association.

      "Register" has the meaning specified in Section 9.07(d).

      "Required  Lenders"  means at any time Lenders owed at least a majority in
interest of the then aggregate  unpaid principal amount (based on the Equivalent
in  Dollars  at such  time) of the  Advances  owing to  Lenders,  or, if no such
principal  amount is then  outstanding,  Lenders  having at least a majority  in
interest of the Commitments.

      "S&P" means Standard & Poor's,  a division of The  McGraw-Hill  Companies,
Inc.

      "Single Employer Plan" means a single employer plan, as defined in Section
4001(a)(15)  of ERISA,  that (a) is maintained for employees of the Guarantor or
any  ERISA  Affiliate  and no  Person  other  than the  Guarantor  and the ERISA
Affiliates or (b) was so maintained and in respect of which the Guarantor or any
ERISA  Affiliate  could have liability  under Section 4069 of ERISA in the event
such plan has been or were to be terminated.

      "Sub-Agent" means Citibank International plc.

      "Subordinated Obligations" has the meaning specified in Section 7.05.

      "Subsidiary"  of any  Person  means any  corporation,  partnership,  joint
venture,  limited liability company, trust or estate of which (or in which) more
than 50% of (a) the issued and outstanding  Voting Stock of such Person, (b) the
interest  in  the  capital  or  profits  of  such  limited  liability   company,
partnership  or joint  venture or (c) the  beneficial  interest in such trust or
estate is at the time directly or indirectly owned or controlled by such Person,
by such  Person and one or more of its other  Subsidiaries  or by one or more of
such Person's other Subsidiaries.

      "Termination  Date" means the earlier of (a) November 14, 2005 and (b) the
date of  termination  in whole of the  Commitments  pursuant to Section  2.04 or
6.01.


                                       10
<PAGE>

      "Voting Stock" means capital stock issued by a corporation,  or equivalent
interests  in any other  Person,  the  holders of which are  ordinarily,  in the
absence of  contingencies,  entitled to vote for the election of  directors  (or
persons performing  similar  functions) of such Person,  even if the right so to
vote has been suspended by the happening of such a contingency.

      SECTION  1.02.  Computation  of Time  Periods.  In this  Agreement  in the
computation of periods of time from a specified date to a later  specified date,
the word "from" means "from and  including"  and the words "to" and "until" each
mean "to but excluding".

      SECTION 1.03.  Accounting  Terms.  All accounting  terms not  specifically
defined  herein  shall  be  construed  in  accordance  with  generally  accepted
accounting  principles  consistent  with those applied in the preparation of the
financial statements referred to in Section 4.01(e) ("GAAP").

                                   ARTICLE II

                        AMOUNTS AND TERMS OF THE ADVANCES

      SECTION 2.01. The Advances. Each Lender severally agrees, on the terms and
conditions hereinafter set forth, to make Advances to the Borrowers from time to
time on any  Business  Day during the period from the  Effective  Date until the
Termination  Date in an aggregate amount (based in respect of any Advances to be
denominated in a Committed  Currency by reference to the  Equivalent  thereof in
Dollars  determined  on the  date  of  delivery  of  the  applicable  Notice  of
Borrowing) not to exceed at any time outstanding such Lender's Commitment.  Each
Borrowing  shall be in an  amount  not less  than the  Borrowing  Minimum  or an
integral multiple of the Borrowing  Multiple in excess thereof and shall consist
of  Advances of the same Type and in the same  currency  made on the same day by
the Lenders ratably according to their respective Commitments. Within the limits
of each Lender's  Commitment,  the Borrowers may borrow under this Section 2.01,
prepay pursuant to Section 2.09 and reborrow under this Section 2.01.

      SECTION 2.02.  Making the Advances.  (a) Each  Borrowing  shall be made on
notice,  given not later than (x) 11:00  A.M.  (New York City time) on the third
Business  Day  prior  to the  date of the  proposed  Borrowing  in the case of a
Borrowing  consisting of Eurocurrency Rate Advances  denominated in Dollars, (y)
4:00  P.M.  (London  time) on the  third  Business  Day prior to the date of the
proposed  Borrowing in the case of a Borrowing  consisting of Eurocurrency  Rate
Advances denominated in any Committed Currency, or (z) 11:00 A.M. (New York City
time)  on the  date  of  the  proposed  Borrowing  in the  case  of a  Borrowing
consisting of Base Rate Advances,  by the applicable Borrower to the Agent (and,
in  the  case  of  a  Borrowing   consisting  of  Eurocurrency   Rate  Advances,
simultaneously to the Sub-Agent),  which shall give to each Lender prompt notice
thereof by  telecopier  or telex.  Each such notice of a Borrowing (a "Notice of
Borrowing")  shall  be  by  telephone,  confirmed  immediately  in  writing,  or
telecopier or telex in  substantially  the form of Exhibit B hereto,  specifying
therein  the  requested  (i)  date  of such  Borrowing,  (ii)  Type of  Advances
comprising such Borrowing, (iii) aggregate amount of such Borrowing, and (iv) in
the case of a  Borrowing  consisting  of  Eurocurrency  Rate  Advances,  initial
Interest  Period and currency for each such Advance.  Each Lender shall,  before
1:00 P.M. (New York City time) on the date of such  Borrowing,  in the case of a
Borrowing  consisting of Advances  denominated in Dollars, and before 11:00 A.M.
(London  time)  on the  date  of such  Borrowing,  in the  case  of a  Borrowing
consisting of Eurocurrency Rate Advances  denominated in any Committed Currency,
make available for the account of its Applicable  Lending Office to the Agent at
the applicable Agent's Account, in same day funds, such Lender's ratable portion
of such Borrowing.  After the Agent's receipt of such funds and upon fulfillment
of the applicable  conditions set forth in Article III, the Agent will make such
funds available to the applicable Borrower at the Agent's address referred to in
Section 9.02 or at the applicable Payment Office, as the case may be.

      (b) Anything in subsection (a) above to the contrary notwithstanding,  (i)
the Borrowers may not select Eurocurrency Rate Advances for any Borrowing if the
aggregate amount of such Borrowing is less than the Borrowing  Minimum or if the
obligation of the Lenders to make  Eurocurrency  Rate Advances for the requested
currency  shall then be suspended  pursuant to Section 2.07 or 2.11 and (ii) the
Eurocurrency  Rate  Advances  may not be  outstanding  as part of more  than six
separate Borrowings.


                                       11
<PAGE>

      (c) Each  Notice of  Borrowing  shall be  irrevocable  and  binding on the
Borrower  requesting  such  Borrowing.  In the  case of any  Borrowing  that the
related Notice of Borrowing  specifies is to be comprised of  Eurocurrency  Rate
Advances,  the applicable Borrower shall indemnify each Lender against any loss,
cost or expense incurred by such Lender as a result of any failure to fulfill on
or before the date  specified in such Notice of Borrowing for such Borrowing the
applicable  conditions set forth in Article III, including,  without limitation,
any loss (including loss of anticipated  profits),  cost or expense  incurred by
reason of the liquidation or reemployment of deposits or other funds acquired by
such  Lender  to fund  the  Advance  to be made by such  Lender  as part of such
Borrowing  when such Advance,  as a result of such failure,  is not made on such
date.

      (d) Unless the Agent shall have received notice from a Lender prior to the
time of any Borrowing that such Lender will not make available to the Agent such
Lender's  ratable  portion 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  subsection (a) of this Section 2.02 and the Agent
may, in reliance upon such assumption, make available to the applicable Borrower
on such date a corresponding amount. If and to the extent that such Lender shall
not have so made such ratable  portion  available to the Agent,  such Lender and
such  Borrower  severally  agree 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 such  Borrower  until the date such amount is
repaid to the  Agent,  at (i) in the case of a  Borrower,  the higher of (A) the
interest rate  applicable at the time to Advances  comprising such Borrowing and
(B) the cost of funds  incurred  by the Agent in respect of such amount and (ii)
in the case of such Lender,  (A) the Federal  Funds Rate in the case of Advances
denominated in Dollars or (B) the cost of funds incurred by the Agent in respect
of such amount in the case of Advances denominated in Committed  Currencies.  If
such Lender shall repay to the Agent such corresponding  amount,  such amount so
repaid shall  constitute  such  Lender's  Advance as part of such  Borrowing for
purposes of this Agreement.

      (e) The failure of any Lender to make the Advance to be made by it as part
of any Borrowing shall not relieve any other Lender of its  obligation,  if any,
hereunder to make its Advance on the date of such Borrowing, but no Lender shall
be  responsible  for the  failure of any other  Lender to make the Advance to be
made by such other Lender on the date of any Borrowing.

      SECTION 2.03.  Fees.  (a) Facility Fee. The Borrowers  agree to pay to the
Agent for the account of each Lender a facility fee on the  aggregate  amount of
such Lender's  Commitment  from the  Effective  Date in the case of each Initial
Lender and from the effective date  specified in the Assumption  Agreement or in
the Assignment  and Acceptance  pursuant to which it became a Lender in the case
of each other Lender until the Termination Date at a rate per annum equal to the
Applicable  Percentage in effect from time to time, payable in arrears quarterly
on the last day of each March, June, September and December, commencing December
31, 2002, and on the Termination Date.

      (b) Agent's Fees. The Borrowers shall pay to the Agent for its own account
such fees as may from  time to time be  agreed  between  the  Guarantor  and the
Agent.

      SECTION 2.04.  Optional  Termination or Reduction of the Commitments.  The
Borrowers shall have the right,  upon at least five Business Days' notice to the
Agent,  to terminate in whole or  permanently  reduce ratably in part the unused
portions  of the  respective  Commitments  of the  Lenders,  provided  that each
partial reduction shall be in the aggregate amount of $10,000,000 or an integral
multiple of $1,000,000 in excess thereof.

      SECTION  2.05.  Repayment of Advances.  The  Borrowers  shall repay to the
Agent  for the  ratable  account  of the  Lenders  on the  Termination  Date the
aggregate principal amount of the Advances then outstanding.

      SECTION 2.06. Interest on Advances.  (a) Scheduled Interest. The Borrowers
shall pay interest on the unpaid  principal amount of each Advance owing to each
Lender from the date of such Advance until such  principal  amount shall be paid
in full, at the following rates per annum:

            (i) Base Rate  Advances.  During such  periods as such  Advance is a
      Base Rate  Advance,  a rate per annum equal at all times to the sum of (x)
      the Base Rate in effect from time to time plus (y) the  Applicable  Margin
      in effect from time to time plus (z) the  Applicable  Utilization  Fee, if
      any, in effect from


                                       12
<PAGE>

      time to time,  payable in arrears quarterly on the last day of each March,
      June, September and December during such periods and on the date such Base
      Rate Advance shall be Converted or paid in full.

            (ii) Eurocurrency Rate Advances. During such periods as such Advance
      is a Eurocurrency Rate Advance, a rate per annum equal at all times during
      each Interest  Period for such Advance to the sum of (x) the  Eurocurrency
      Rate for such  Interest  Period for such Advance  plus (y) the  Applicable
      Margin in effect  from  time to time plus (z) the  Applicable  Utilization
      Fee, if any,  in effect from time to time,  payable in arrears on the last
      day of such Interest Period and, if such Interest Period has a duration of
      more than three  months,  on each day that  occurs  during  such  Interest
      Period every three months from the first day of such  Interest  Period and
      on the date such  Eurocurrency  Rate Advance shall be Converted or paid in
      full.

      (b) Default Interest. Upon the occurrence and during the continuance of an
Event of Default under Section  6.01(a),  the Agent may, and upon the request of
the Required  Lenders  shall,  require the  Borrowers to pay interest  ("Default
Interest")  on (i) the unpaid  principal  amount of each  Advance  owing to each
Lender,  payable in arrears on the dates referred to in clause (a)(i) or (a)(ii)
above, at a rate per annum equal at all times to 2% per annum above the rate per
annum  required to be paid on such Advance  pursuant to clause (a)(i) or (a)(ii)
above  and (ii) to the  fullest  extent  permitted  by law,  the  amount  of any
interest,  fee or other amount payable hereunder that is not paid when due, from
the date such  amount  shall be due  until  such  amount  shall be paid in full,
payable in arrears on the date such amount  shall be paid in full and on demand,
at a rate per annum  equal at all times to 2% per annum above the rate per annum
required  to be paid on Base Rate  Advances  pursuant  to clause  (a)(i)  above;
provided,  however,  that  following  acceleration  of the Advances  pursuant to
Section 6.01,  Default Interest shall accrue and be payable hereunder whether or
not previously required by the Agent.

      SECTION 2.07. Interest Rate Determination.  (a) Each Reference Bank agrees
to furnish to the Agent timely  information for the purpose of determining  each
Eurocurrency  Rate. If any one or more of the Reference  Banks shall not furnish
such timely  information  to the Agent for the purpose of  determining  any such
interest  rate,  the Agent shall  determine  such  interest rate on the basis of
timely information  furnished by the remaining  Reference Banks. The Agent shall
give prompt notice to the applicable  Borrower and the Lenders of the applicable
interest  rate  determined  by the Agent for purposes of Section  2.06(a)(i)  or
(ii), and the rate, if any,  furnished by each Reference Bank for the purpose of
determining the interest rate under Section 2.06(a)(ii).

      (b) If, with  respect to any  Eurocurrency  Rate  Advances,  the  Required
Lenders notify the Agent that (i) they are unable to obtain matching deposits in
the London  inter-bank market at or about 11:00 A.M. (London time) on the second
Business  Day before the making of a  Borrowing  in  sufficient  amounts to fund
their respective Advances as a part of such Borrowing during its Interest Period
or (ii) the Eurocurrency Rate for any Interest Period for such Advances will not
adequately  reflect  the cost to such  Required  Lenders of  making,  funding or
maintaining  their  respective  Eurocurrency  Rate  Advances  for such  Interest
Period,  the Agent shall  forthwith  so notify the  applicable  Borrower and the
Lenders,  whereupon (A) such Borrower will, on the last day of the then existing
Interest Period therefor, (1) if such Eurocurrency Rate Advances are denominated
in Dollars,  either (x) prepay such  Advances or (y) Convert such  Advances into
Base Rate Advances and (2) if such Eurocurrency Rate Advances are denominated in
any  Committed  Currency,  either (x) prepay such  Advances or (y) exchange such
Advances  into an  Equivalent  amount of Dollars and Convert such  Advances into
Base Rate Advances and (B) the  obligation of the Lenders to make, or to Convert
Advances  into,  Eurocurrency  Rate Advances in the affected  currency  shall be
suspended  until the Agent shall notify the  Borrowers  and the Lenders that the
circumstances  causing such  suspension no longer exist;  provided  that, if the
circumstances  set forth in clause  (ii) above are  applicable,  the  applicable
Borrower  may elect,  by notice to the Agent and the Lenders,  to continue  such
Advances in such Committed  Currency for Interest Periods of not longer than one
month,  which Advances shall  thereafter bear interest at a rate per annum equal
to the Applicable Margin plus the Applicable  Utilization Fee, if any, plus, for
each Lender,  the cost to such Lender (expressed as a rate per annum) of funding
its Eurocurrency Rate Advances by whatever means it reasonably  determines to be
appropriate.  Each  Lender  shall  certify  its cost of funds for each  Interest
Period to the Agent and the applicable  Borrower as soon as practicable  (but in
any event not later than ten Business  Days after the first day of such Interest
Period).

      (c) If any  Borrower  shall fail to select the  duration  of any  Interest
Period  in  accordance  with  the  provisions  contained  in the  definition  of
"Interest Period" in Section 1.01 for any Eurocurrency Rate Advances


                                       13
<PAGE>

made to it, the Agent will forthwith so notify such Borrower and the Lenders and
such Advances will automatically,  on the last day of the then existing Interest
Period  therefor,  (i) if such  Eurocurrency  Rate Advances are  denominated  in
Dollars,  Convert  into Base Rate  Advances and (ii) if such  Eurocurrency  Rate
Advances are denominated in a Committed Currency, be exchanged for an Equivalent
amount of Dollars and Convert into Base Rate Advances.

      (d) On the  date  on  which  the  aggregate  unpaid  principal  amount  of
Eurocurrency Rate Advances comprising any Borrowing shall be reduced, by payment
or prepayment or otherwise,  to less than the Borrowing  Minimum,  such Advances
shall automatically Convert into Base Rate Advances.

      (e) Upon the occurrence and during the continuance of any Event of Default
under Section 6.01(a), (i) each Eurocurrency Rate Advance will automatically, on
the  last  day of the  then  existing  Interest  Period  therefor,  (A) if  such
Eurocurrency  Rate Advances are  denominated in Dollars,  be Converted into Base
Rate Advances and (B) if such  Eurocurrency Rate Advances are denominated in any
Committed  Currency,  be exchanged  for an  Equivalent  amount of Dollars and be
Converted  into Base Rate  Advances  and (ii) the  obligation  of the Lenders to
make,  or  to  Convert  Advances  into,  Eurocurrency  Rate  Advances  shall  be
suspended;  provided that the  applicable  Borrower may elect,  by notice to the
Agent and the  Lenders  within one  Business  Day of such Event of  Default,  to
continue  such  Advances in such  Committed  Currency,  whereupon  the Agent may
require that each Interest  Period relating to such  Eurocurrency  Rate Advances
shall bear  interest at the  Overnight  Eurocurrency  Rate for a period of three
Business Days and thereafter, each such Interest Period shall have a duration of
not longer  than one month.  "Overnight  Eurocurrency  Rate"  means the rate per
annum applicable to an overnight period beginning on one Business Day and ending
on the next  Business Day equal to the sum of 1%, the  Applicable  Interest Rate
Margin and the average,  rounded upward to the nearest whole multiple of 1/16 of
1%, if such average is not such a multiple,  of the  respective  rates per annum
quoted by each Reference Bank to the Agent on request as the rate at which it is
offering  overnight  deposits in the relevant currency in amounts  comparable to
such Reference Bank's Eurocurrency Rate Advances.

      (f) If  Telerate  Markets  Page 3750 is  unavailable  and  fewer  than two
Reference  Banks furnish  timely  information to the Agent for  determining  the
Eurocurrency Rate for any Eurocurrency Rate Advances,

            (i) the Agent shall  forthwith  notify the Borrowers and the Lenders
      that the interest rate cannot be  determined  for such  Eurocurrency  Rate
      Advances,

            (ii) with respect to Eurocurrency  Rate Advances,  each such Advance
      will  automatically,  on the last day of the then existing Interest Period
      therefor, (A) if such Eurocurrency Rate Advance is denominated in Dollars,
      Convert into a Base Rate Advance and (B) if such Eurocurrency Rate Advance
      is  denominated  in any Committed  Currency,  be prepaid by the applicable
      Borrower or be automatically exchanged for an Equivalent amount of Dollars
      and be  Converted  into a Base Rate  Advance (or if such Advance is then a
      Base Rate Advance, will continue as a Base Rate Advance), and

            (iii)  the  obligation  of the  Lenders  to make  Eurocurrency  Rate
      Advances or to Convert Advances into  Eurocurrency  Rate Advances shall be
      suspended  until the Agent shall notify the Borrowers and the Lenders that
      the circumstances causing such suspension no longer exist.

      SECTION 2.08.  Optional  Conversion of Advances.  Each Borrower may on any
Business Day, upon notice given to the Agent not later than 11:00 A.M. (New York
City  time)  on the  third  Business  Day  prior  to the  date  of the  proposed
Conversion and subject to the provisions of Sections 2.07 and 2.11,  Convert all
Advances made to such Borrower denominated in Dollars of one Type comprising the
same Borrowing into Advances denominated in Dollars of the other Type; provided,
however,  that any  Conversion  of  Eurocurrency  Rate  Advances  into Base Rate
Advances  shall  be made  only on the last day of an  Interest  Period  for such
Eurocurrency   Rate  Advances,   any  Conversion  of  Base  Rate  Advances  into
Eurocurrency  Rate  Advances  shall be in an amount  not less  than the  minimum
amount  specified in Section  2.02(b) and no  Conversion  of any Advances  shall
result in more separate  Borrowings than permitted under Section  2.02(b).  Each
such notice of a Conversion  shall,  within the  restrictions  specified  above,
specify (i) the date of such Conversion, (ii) the Dollar denominated Advances to
be Converted,  and (iii) if such Conversion is into  Eurocurrency Rate Advances,
the duration of the initial  Interest


                                       14
<PAGE>

Period for each such Advance. Each notice of Conversion shall be irrevocable and
binding on the applicable Borrower.

      SECTION 2.09.  Prepayments of Advances.  (a) Optional.  Each Borrower may,
upon notice at least two Business Days' prior to the date of such prepayment, in
the case of Eurocurrency Rate Advances,  and not later than 11:00 A.M. (New York
City time) on the date of such prepayment, in the case of Base Rate Advances, to
the Agent  stating  the  proposed  date and  aggregate  principal  amount of the
prepayment,  and if such notice is given the Borrower  giving such notice shall,
prepay the outstanding  principal amount of the Advances  comprising part of the
same  Borrowing in whole or ratably in part,  together with accrued  interest to
the date of such prepayment on the principal amount prepaid; provided,  however,
that (x) each partial  prepayment  shall be in an aggregate  principal amount of
not less than the  Borrowing  Minimum or an integral  multiple of the  Borrowing
Multiple  in excess  thereof  and (y) in the event of any such  prepayment  of a
Eurocurrency  Rate Advance,  such  Borrower  shall be obligated to reimburse the
Lenders in respect thereof pursuant to Section 9.04(c).

      (b) Mandatory. (i) If, on any date, the Agent notifies the Borrowers that,
on any interest  payment date, the sum of (A) the aggregate  principal amount of
all Advances  denominated in Dollars then outstanding plus (B) the Equivalent in
Dollars  (determined  on the third  Business Day prior to such interest  payment
date) of the aggregate principal amount of all Advances denominated in Committed
Currencies  then  outstanding  exceeds 103% of the aggregate  Commitments of the
Lenders on such date, the Borrowers  shall,  as soon as  practicable  and in any
event within two  Business  Days after  receipt of such  notice,  subject to the
proviso to this  sentence  set forth  below,  prepay the  outstanding  principal
amount of any Advances owing by the Borrowers in an aggregate amount  sufficient
to reduce such sum to an amount not to exceed 100% of the aggregate  Commitments
of the Lenders on such date  together  with any interest  accrued to the date of
such prepayment on the aggregate principal amount of Advances prepaid;  provided
that if the aggregate principal amount of Base Rate Advances  outstanding at the
time of such  required  prepayment  is less  than the  amount  of such  required
prepayment,  the portion of such required  prepayment in excess of the aggregate
principal amount of Base Rate Advances then outstanding  shall be deferred until
the next succeeding  last day of an Interest Period of outstanding  Eurocurrency
Rate  Advances  in an  aggregate  amount  equal to the  excess of such  required
prepayment.  The Agent shall give prompt notice of any prepayment required under
this Section 2.09(b) to the Borrowers and the Lenders,  and shall provide prompt
notice to the Borrowers of any such notice of required prepayment received by it
from any Lender.

      (ii) Each  prepayment  made pursuant to this Section 2.09(b) shall be made
together  with  any  interest  accrued  to the  date of such  prepayment  on the
principal  amounts  prepaid and, in the case of any prepayment of a Eurocurrency
Rate  Advance on a date other than the last day of an Interest  Period or at its
maturity,  any  additional  amounts  which  the  applicable  Borrower  shall  be
obligated  to reimburse  to the Lenders in respect  thereof  pursuant to Section
9.04(b).  The Agent shall give prompt notice of any  prepayment  required  under
this Section 2.09(b) to the Borrowers and the Lenders.

      SECTION 2.10.  Increased Costs. (a) If, due to either (i) the introduction
of or any change in or in the  interpretation of any law or regulation after the
date hereof,  or (ii) the compliance  with any guideline or request issued after
the date hereof from any central bank or other governmental authority including,
without  limitation,  any agency of the  European  Union or similar  monetary or
multinational authority (whether or not having the force of law), there shall be
any increase in the cost to any Lender of agreeing to make or making, funding or
maintaining  Eurocurrency Rate Advances  (excluding for purposes of this Section
2.10 any such  increased  costs  resulting  from (i) Taxes or Other Taxes (as to
which  Section  2.13 shall  govern) and (ii) changes in the basis of taxation of
overall  net  income or  overall  gross  income by the  United  States or by the
foreign  jurisdiction  or state under the laws of which such Lender is organized
or has its Applicable Lending Office or any political subdivision thereof), then
the Borrowers  shall from time to time,  upon demand by such Lender (with a copy
of such  demand to the  Agent),  pay to the Agent for the account of such Lender
additional amounts sufficient to compensate such Lender for such increased cost;
provided, however, that before making any such demand, each Lender agrees to use
reasonable efforts (consistent with its internal policy and legal and regulatory
restrictions) to designate a different  Applicable  Lending Office if the making
of such a  designation  would  avoid the need for, or reduce the amount of, such
increased  cost and would not, in the  reasonable  judgment of such  Lender,  be
otherwise disadvantageous to such Lender. A certificate as to the amount of such
increased cost,  submitted to the Borrowers and the Agent by such Lender,  shall
be conclusive and binding for all purposes, absent manifest error.


                                       15
<PAGE>

      (b) If any Lender determines that compliance with any law or regulation or
any guideline or request  taking effect or issued after the date hereof from any
central bank or other governmental authority (whether or not having the force of
law)  affects or would  affect the amount of capital  required or expected to be
maintained by such Lender or any  corporation  controlling  such Lender and that
the amount of such capital is  increased by or based upon the  existence of such
Lender's  commitment to lend hereunder and other commitments of this type, then,
upon  demand  by such  Lender  (with a copy of such  demand to the  Agent),  the
Borrowers  shall pay to the Agent for the account of such  Lender,  from time to
time as specified by such Lender,  additional  amounts  sufficient to compensate
such  Lender  or such  corporation  in the light of such  circumstances,  to the
extent that such Lender  reasonably  determines  such  increase in capital to be
allocable to the existence of such  Lender's  commitment  to lend  hereunder.  A
certificate as to such amounts  submitted to the Borrowers and the Agent by such
Lender shall be conclusive and binding for all purposes, absent manifest error.

      (c)  Failure  or delay on the part of any  Lender to  demand  compensation
pursuant to this Section shall not constitute a waiver of such Lender's right to
demand such  compensation;  provided that the Borrowers shall not be required to
compensate  a  Lender  pursuant  to this  Section  for any  increased  costs  or
reductions  incurred  more than six  months  prior to the date that such  Lender
notifies the Borrowers of the circumstances  giving rise to such increased costs
or reductions  and of such Lender's  intention to claim  compensation  therefor;
provided further that, if the circumstances  giving rise to such increased costs
or reductions  cause such increased costs or reductions to be retroactive,  then
the six-month  period  referred to above shall be extended to include the period
of retroactive effect thereof.

      SECTION  2.11.  Illegality.  Notwithstanding  any other  provision of this
Agreement,  if any Lender shall notify the Agent that the introduction of or any
change in or in the  interpretation  of any law or regulation makes it unlawful,
or any central bank or other governmental authority asserts that it is unlawful,
for any Lender or its  Eurocurrency  Lending  Office to perform its  obligations
hereunder  to make  Eurocurrency  Rate  Advances  in  Dollars  or any  Committed
Currency or to fund or  maintain  Eurocurrency  Rate  Advances in Dollars or any
Committed  Currency  hereunder,  (a) (i) if such  Eurocurrency  Rate  Advance is
denominated  in Dollars,  be Converted into a Base Rate Advance and (ii) if such
Eurocurrency Rate Advance is denominated in any Committed Currency, be exchanged
into an Equivalent  amount of Dollars and be Converted  into a Base Rate Advance
and (b) the obligation of the Lenders to make  Eurocurrency Rate Advances in the
affected  currency or to Convert Advances into  Eurocurrency Rate Advances shall
be suspended until the Agent shall notify the Borrowers and the Lenders that the
circumstances causing such suspension no longer exist;  provided,  however, that
before  making any such demand,  each Lender  agrees to use  reasonable  efforts
(consistent  with its internal policy and legal and regulatory  restrictions) to
designate  a  different  Eurocurrency  Lending  Office  if the  making of such a
designation  would  allow  such  Lender or its  Eurocurrency  Lending  Office to
continue to perform its obligations to make such  Eurocurrency  Rate Advances or
to continue to fund or maintain such  Eurocurrency  Rate Advances and would not,
in the judgment of such Lender, be otherwise disadvantageous to such Lender.

      SECTION 2.12. Payments and Computations. (a) The Borrowers shall make each
payment  hereunder  (except with respect to principal of, interest on, and other
amounts relating to, Advances denominated in a Committed Currency), irrespective
of any right of  counterclaim  or set-off,  not later than 11:00 A.M.  (New York
City time) on the day when due in Dollars to the Agent at the applicable Agent's
Account in same day funds. The Borrowers shall make each payment  hereunder with
respect to principal of,  interest on, and other amounts  relating to,  Advances
denominated in a Committed  Currency,  irrespective of any right of counterclaim
or set-off,  not later than 11:00 A.M. (at the Payment Office for such Committed
Currency)  on the day when  due in such  Committed  Currency  to the  Agent,  by
deposit of such funds to the applicable  Agent's Account in same day funds.  The
Agent will promptly  thereafter  cause to be distributed  like funds relating to
the  payment of  principal  or interest or  facility  fees  ratably  (other than
amounts  payable  pursuant to Section 2.10,  2.13 or 9.04(c)) to the Lenders for
the  account of their  respective  Applicable  Lending  Offices,  and like funds
relating to the payment of any other amount payable to any Lender to such Lender
for the account of its Applicable  Lending Office, in each case to be applied in
accordance with the terms of this Agreement. Upon any Assuming Lender becoming a
Lender hereunder as a result of a Commitment  Increase pursuant to Section 2.17,
and upon the Agent's receipt of such Lender's Assumption Agreement and recording
of the  information  contained  therein  in the  Register,  from and  after  the
applicable  Increase Date, the Agent shall make all payments hereunder and under
any Notes issued in  connection  therewith  in respect of the  interest  assumed
thereby  to the  Assuming  Lender.  Upon its  acceptance  of an  Assignment  and
Acceptance and recording of the  information  contained  therein in the Register
pursuant to Section 9.07(c), from and after the


                                       16
<PAGE>

effective date specified in such Assignment and Acceptance, the Agent shall make
all payments  hereunder and under any Notes in respect of the interest  assigned
thereby to the Lender  assignee  thereunder,  and the parties to such Assignment
and  Acceptance  shall make all  appropriate  adjustments  in such  payments for
periods prior to such effective date directly between themselves.

      (b) Each  Borrower  hereby  authorizes  each Lender,  if and to the extent
payment  owed to such  Lender is not made when due  hereunder  or under the Note
held by such  Lender,  to charge  from time to time  against  any or all of such
Borrower's accounts with such Lender any amount so due.

      (c) All  computations  of interest based on the Base Rate shall be made by
the  Agent on the basis of a year of 365 or 366  days,  as the case may be,  all
computations  of interest  based on the  Eurocurrency  Rate or the Federal Funds
Rate and of fees  shall be made by the  Agent on the basis of a year of 360 days
(or, in each case of Advances  denominated in Committed  Currencies where market
practice  differs,  in accordance  with market  practice),  in each case for the
actual  number of days  (including  the first  day but  excluding  the last day)
occurring  in the period  for which  such  interest  or fees are  payable.  Each
determination by the Agent of an interest rate hereunder shall be conclusive and
binding for all purposes, absent manifest error.

      (d) Whenever  any payment  hereunder or under the Notes shall be stated to
be due on a day other than a Business  Day,  such  payment  shall be made on the
next  succeeding  Business Day, and such extension of time shall in such case be
included in the  computation of payment of interest or facility fee, as the case
may be;  provided,  however,  that,  if such  extension  would cause  payment of
interest on or principal of  Eurocurrency  Rate  Advances to be made in the next
following  calendar  month,  such  payment  shall be made on the next  preceding
Business Day.

      (e)  Unless the Agent  shall  have  received  notice  from the  applicable
Borrower prior to the date on which any payment is due to the Lenders  hereunder
that such Borrower will not make such payment in full, the Agent may assume that
such  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 applicable 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 (i) the Federal  Funds Rate in the
case of Advances  denominated  in Dollars or (ii) the cost of funds  incurred by
the Agent in  respect  of such  amount in the case of  Advances  denominated  in
Committed Currencies.

      (f) To the extent that the Agent  receives  funds for  application  to the
amounts owing by any Borrower  under or in respect of this Agreement or any Note
in currencies other than the currency or currencies required to enable the Agent
to distribute  funds to the Lenders in accordance with the terms of this Section
2.12, the Agent shall be entitled to convert or exchange such funds into Dollars
or into a Committed  Currency,  to the extent  necessary  to enable the Agent to
distribute  such  funds in  accordance  with the  terms  of this  Section  2.12;
provided that each Borrower and each of the Lenders  hereby agree that the Agent
shall not be liable or  responsible  for any loss,  cost or expense  suffered by
such  Borrower  or such  Lender as a result of any  conversion  or  exchange  of
currencies  affected  pursuant  to this  Section  2.12(f)  or as a result of the
failure of the Agent to effect any such  conversion  or  exchange;  and provided
further that the  Borrowers  agree to indemnify  the Agent and each Lender,  and
hold the Agent  and each  Lender  harmless,  for any and all  losses,  costs and
expenses  incurred by the Agent or any Lender for any  conversion or exchange of
currencies (or the failure to convert or exchange any  currencies) in accordance
with this Section 2.12(f).

      SECTION 2.13.  Taxes. (a) Any and all payments by any Loan Party to or for
the account of any Lender or the Agent hereunder or under the Notes or any other
documents to be delivered  hereunder  shall be made, in accordance  with Section
2.12 or the applicable provisions of such other documents, free and clear of and
without  deduction  for any and all present or future  taxes,  levies,  imposts,
deductions,  charges or withholdings,  and all liabilities with respect thereto,
excluding,  in the case of each  Lender  and the  Agent,  taxes  imposed  on its
overall  net income,  and  franchise  taxes  imposed on it in lieu of net income
taxes, by the jurisdiction  under the laws of which such Lender or the Agent (as
the case may be) is organized or any political  subdivision  thereof and, in the
case of each  Lender,  taxes  imposed on its overall net income,  and  franchise
taxes imposed on it in lieu of net income  taxes,


                                       17
<PAGE>

by the jurisdiction of such Lender's  Applicable Lending Office or any political
subdivision thereof and excluding such taxes imposed by the United States or the
United Kingdom that are payable as of the date such Lender or the Agent became a
party  to  this  Agreement  (all  such  non-excluded  taxes,  levies,   imposts,
deductions,  charges,  withholdings  and  liabilities  in  respect  of  payments
hereunder or under the Notes being hereinafter  referred to as "Taxes").  If any
Loan Party  shall be  required  by law to deduct any Taxes from or in respect of
any sum  payable  hereunder  or under  any  Note or any  other  documents  to be
delivered  hereunder  to any Lender or the Agent,  (i) the sum payable  shall be
increased  as may be  necessary  so that after  making all  required  deductions
(including  deductions  applicable to additional sums payable under this Section
2.13) such Lender or the Agent (as the case may be)  receives an amount equal to
the sum it would have received had no such  deductions been made, (ii) such Loan
Party  shall make such  deductions  and (iii) such Loan Party shall pay the full
amount  deducted  to the  relevant  taxation  authority  or other  authority  in
accordance with applicable law.

      (b) In addition,  the  Borrowers  shall pay any present or future stamp or
documentary  taxes or any other  excise or  property  taxes,  charges or similar
levies  that arise from any  payment  made  hereunder  or under the Notes or any
other  documents to be delivered  hereunder or from the  execution,  delivery or
registration of,  performing under, or otherwise with respect to, this Agreement
or the Notes or any  other  documents  to be  delivered  hereunder  (hereinafter
referred to as "Other Taxes").

      (c) The Borrowers  shall  indemnify each Lender and the Agent for and hold
it harmless against the full amount of Taxes or Other Taxes (including,  without
limitation, taxes of any kind imposed or asserted by any jurisdiction on amounts
payable  under this Section 2.13) imposed on or paid by such Lender or the Agent
(as the  case  may be) and any  liability  (including  penalties,  interest  and
expenses) arising therefrom or with respect thereto.  This indemnification shall
be made  within 30 days from the date such  Lender or the Agent (as the case may
be) makes written demand therefor.

      (d) Within 45 days after the date of any payment of Taxes,  the applicable
Loan Party shall  furnish to the Agent,  at its  address  referred to in Section
9.02, the original or a certified copy of a receipt  evidencing  such payment to
the extent such a receipt is issued therefor,  or other written proof of payment
thereof that is reasonably satisfactory to the Agent. In the case of any payment
hereunder or under the Notes or any other documents to be delivered hereunder by
or on behalf of any Loan  Party  (other  than OFP)  through an account or branch
outside the United  States or by or on behalf of any Loan Party (other than OFP)
by a payor that is not a United  States  person,  if such Loan Party  determines
that no Taxes are payable in respect thereof,  such Loan Party shall furnish, or
shall cause such payor to furnish,  to the Agent, at such address, an opinion of
counsel  acceptable to the Agent stating that such payment is exempt from Taxes.
For  purposes of this  subsection  (d) and  subsection  (e),  the terms  "United
States" and "United States person" shall have the meanings  specified in Section
7701 of the Internal Revenue Code.

      (e) Each Lender  organized  under the laws of a  jurisdiction  outside the
United  States,  on or prior to the date of its  execution  and delivery of this
Agreement in the case of each Initial  Lender and on the date of the  Assumption
Agreement or the Assignment and Acceptance pursuant to which it becomes a Lender
in the case of each other Lender, and from time to time thereafter as reasonably
requested  in  writing by OFI and OCI (but only so long as such  Lender  remains
lawfully  able to do so),  shall  provide each of the Agent OFI and OCI with two
original Internal Revenue Service forms W-8BEN or W-8ECI, as appropriate, or any
successor or other form prescribed by the Internal Revenue  Service,  certifying
that such Lender is exempt from or entitled to a reduced  rate of United  States
withholding  tax on payments  made by OFI and OCI pursuant to this  Agreement or
the  Notes.  If the form  provided  by a Lender  at the time such  Lender  first
becomes a party to this Agreement indicates a United States interest withholding
tax rate in excess of zero,  withholding  tax at such rate  shall be  considered
excluded from Taxes unless and until such Lender provides the appropriate  forms
certifying that a lesser rate applies,  whereupon withholding tax at such lesser
rate only shall be considered  excluded from Taxes for periods  governed by such
form; provided,  however,  that, if at the date of the Assignment and Acceptance
pursuant  to which a Lender  assignee  becomes  a party to this  Agreement,  the
Lender  assignor was  entitled to payments  under  subsection  (a) in respect of
United States  withholding tax with respect to interest paid at such date, then,
to such extent,  the term Taxes shall include (in addition to withholding  taxes
that may be imposed  in the  future or other  amounts  otherwise  includable  in
Taxes) United States  withholding  tax, if any,  applicable  with respect to the
Lender  assignee  on such  date.  If any form or  document  referred  to in this
subsection (e) requires the disclosure of  information,  other than  information
necessary to compute the tax payable and information required on the date hereof
by Internal  Revenue Service


                                       18
<PAGE>

form W-8BEN or W-8ECI, that the Lender reasonably  considers to be confidential,
the Lender  shall give notice  thereof to OFI and OCI and shall not be obligated
to include in such form or document such confidential information.

      (f) For any  period  with  respect to which a Lender has failed to provide
OFI and OCI with the appropriate form,  certificate or other document  described
in Section  2.13(e) (other than if such failure is due to a change in law, or in
the interpretation or application  thereof,  occurring subsequent to the date on
which a form,  certificate  or other  document  originally  was  required  to be
provided,  or if such  form,  certificate  or other  document  otherwise  is not
required  under  subsection  (e) above),  such  Lender  shall not be entitled to
indemnification  under  Section  2.13(a) or (c) with respect to Taxes imposed by
the United States by reason of such failure;  provided,  however,  that should a
Lender  become  subject  to Taxes  because  of its  failure  to  deliver a form,
certificate or other document required hereunder,  the Borrowers shall take such
steps as the  Lender  shall  reasonably  request to assist the Lender to recover
such Taxes.

      (g) In  respect  of  Advances  to OFP,  each  Lender  shall  designate  an
Applicable  Lending Office that is beneficially  entitled to interest under such
Advances and that,  on the date of this  Agreement or (in the case of any Person
that  becomes a Lender  hereunder  by means of an  assignment)  on the date such
Lender  becomes a party hereto is either (i) within the charge to United Kingdom
corporation tax in respect of interest in respect of an advance by a person that
was a bank (for the  purposes  of Section 349 Income and  Corporation  Taxes Act
1988) at the time the advance was made; or (ii) resident in a country with which
the United Kingdom has a double  taxation  agreement  which makes  provision for
full exemption from United Kingdom  taxation on interest payable by OFP pursuant
to this Agreement and does not carry on business in the United Kingdom through a
permanent  establishment  with which the payment is effectively  connected (each
such bank which is so resident  being  hereinafter in this Section 2.13 referred
to as a "Treaty Lender");  or (iii) a company resident in the United Kingdom, or
a partnership  each member of which is a company  resident in the United Kingdom
for United Kingdom tax purposes; or (iv) a company not so resident in the United
Kingdom  which  carries  on a trade in the  United  Kingdom  through a branch or
agency and which is required to bring into account interest payable to it by OFP
pursuant to this Agreement in computing its chargeable  profits for the purposes
of Section  11(2) of the Income and  Corporation  Taxes Act 1988.  If any Lender
does not or ceases to comply with clause  (i),  (ii),  (iii) or (iv) above other
than by reason of any  change  after  the date of this  Agreement  in (or in the
interpretation,  administration  or application  of) any law or double  taxation
agreement  or any  published  practice  or  concession  of any  relevant  taxing
authority,  the Borrowers  shall not be required to compensate such Lender under
Section 2.13(a) or 2.13(c) for the amount of Taxes imposed by the United Kingdom
in consequence. Any Lender to whom clause (ii) above is relevant shall cooperate
with OFP in promptly completing any procedural  formalities necessary for OFP to
obtain  authorization to make interest  payments without deduction for UK income
tax.

      (h) Each Treaty Lender irrevocably  appoints the Agent to act as syndicate
manager  under,  and  authorizes  the  Agent to  operate,  and  take any  action
necessary or desirable  under,  the PTR Scheme in connection  with any Borrowing
hereunder.  Each Treaty Lender shall  cooperate with the Agent in completing any
procedural formalities necessary under the PTR Scheme, and shall promptly supply
to the Agent such  information  as the Agent may request in connection  with the
operation of the PTR Scheme.  Each Treaty Lender without  limiting the liability
of any  Borrower  under this  Agreement,  shall,  within five  Business  Days of
demand, indemnify the Agent for any liability or loss incurred by the Agent as a
result  of the  Agent  acting  as  syndicate  manager  under  the PTR  Scheme in
connection with the Treaty Lender's  participation  in any Borrowing  (except to
the extent that the  liability or loss arises  directly  from the Agent's  gross
negligence  or willful  misconduct).  Each  Treaty  Lender  shall,  within  five
Business Days of demand, indemnify each Borrower for any Tax which such Borrower
becomes  liable to pay in respect of any  payments  made to such  Treaty  Lender
arising as a result of any incorrect  information supplied by such Treaty Lender
which results in a provisional  authority  issued by the UK Inland Revenue under
the PTR Scheme being  withdrawn.  Each  Borrower  acknowledges  that it is fully
aware of its contingent  obligations under the PTR Scheme and shall (i) promptly
inform the Agent of all actions  required to be performed by the Agent under the
PTR Scheme,  (ii) promptly supply to the Agent such information as the Agent may
request in  connection  with the  operation of the PTR Scheme;  and (iii) act in
accordance with any provisional notice issued by the UK Inland Revenue under the
PTR Scheme. The Agent agrees to provide,  as soon as reasonably  practicable,  a
copy  of any  provisional  authority  issued  to it  under  the  PTR  Scheme  in
connection with any Borrowing to those Borrowers  specified in such  provisional
authority.  Each of the Borrowers, the Treaty Lenders and the Agent acknowledges
that the Agent: (i) is entitled to rely completely upon information  provided to
it in connection with this clause;  (ii) is not


                                       19
<PAGE>

obliged to undertake any inquiry into the accuracy of such  information nor into
the status of the Treaty Lender or, as the case may be, Borrower  providing such
information; and (iii) shall have no liability to any person for the accuracy of
any  information  it submits to the UK Inland  Revenue in  connection  with this
clause.

      (i) Any Lender claiming any additional  amounts  payable  pursuant to this
Section  2.13 agrees to use  reasonable  efforts  (consistent  with its internal
policy and legal and regulatory  restrictions) to change the jurisdiction of its
Eurocurrency  Lending Office if the making of such a change would avoid the need
for, or reduce the amount of, any such  additional  amounts that may  thereafter
accrue and would not, in the  reasonable  judgment of such Lender,  be otherwise
disadvantageous to such Lender.

      SECTION  2.14.  Sharing of  Payments,  Etc. 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  Advances  owing to it (other  than
pursuant to Section  2.10,  2.13 or  9.04(c)) in excess of its ratable  share of
payments on account of the  Advances  obtained by all the  Lenders,  such Lender
shall  forthwith  purchase  from the other  Lenders such  participations  in the
Advances owing to them as shall be necessary to cause such purchasing  Lender to
share the excess payment ratably with each of them; provided,  however,  that if
all or any  portion of such excess  payment is  thereafter  recovered  from such
purchasing  Lender,  such  purchase from each Lender shall be rescinded and such
Lender shall repay to the purchasing  Lender the purchase price to the extent of
such  recovery  together  with an amount equal to such  Lender's  ratable  share
(according  to the  proportion  of (i)  the  amount  of such  Lender's  required
repayment to (ii) the total amount so recovered from the  purchasing  Lender) of
any interest or other amount paid or payable by the purchasing Lender in respect
of the total  amount so  recovered.  Each  Borrower  agrees  that any  Lender so
purchasing a  participation  from another  Lender  pursuant to this Section 2.14
may, to the fullest extent permitted by law,  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 such  Borrower in the amount of such
participation.

      SECTION  2.15.  Evidence  of  Debt.  (a) Each  Lender  shall  maintain  in
accordance  with its usual  practice  an  account  or  accounts  evidencing  the
indebtedness  of each Borrower to such Lender  resulting from each Advance owing
to such  Lender  from time to time,  including  the  amounts  of  principal  and
interest  payable and paid to such Lender from time to time hereunder in respect
of Advances made to such Borrower.  The Borrowers  agree that upon notice by any
Lender to the Borrowers  (with a copy of such notice to the Agent) to the effect
that a Note is  required  or  appropriate  in order for such  Lender to evidence
(whether for purposes of pledge,  enforcement  or otherwise)  the Advances owing
to, or to be made by, such Lender,  the  Borrowers  shall  promptly  execute and
deliver to such Lender a Note payable to the order of such Lender in a principal
amount up to the Commitment of such Lender.

      (b) The Register maintained by the Agent pursuant to Section 9.07(d) shall
include a control account,  and a subsidiary  account for each Lender,  in which
accounts  (taken  together)  shall be  recorded  (i) the date and amount of each
Borrowing made hereunder, the Type of Advances comprising such Borrowing and, if
appropriate,  the Interest  Period  applicable  thereto,  (ii) the terms of each
Assumption  Agreement  and  each  Assignment  and  Acceptance  delivered  to and
accepted by it, (iii) the amount of any principal or interest due and payable or
to become due and payable from each  Borrower to each Lender  hereunder and (iv)
the amount of any sum  received by the Agent from each  Borrower  hereunder  and
each Lender's share thereof.

      (c) Entries  made in good faith by the Agent in the  Register  pursuant to
subsection (b) above, and by each Lender in its account or accounts  pursuant to
subsection  (a) above,  shall be prima facie evidence of the amount of principal
and interest due and payable or to become due and payable from each Borrower to,
in the case of the  Register,  each Lender  and, in the case of such  account or
accounts,  such Lender, under this Agreement,  absent manifest error;  provided,
however,  that the failure of the Agent or such Lender to make an entry,  or any
finding that an entry is incorrect,  in the Register or such account or accounts
shall not limit or otherwise  affect the  obligations of any Borrower under this
Agreement.

      SECTION  2.16.  Use of Proceeds.  The  proceeds of the  Advances  shall be
available (and each Borrower agrees that it shall use such proceeds)  solely for
general corporate purposes of the Borrowers and their Subsidiaries.


                                       20
<PAGE>

      SECTION  2.17.  Increase in the Aggregate  Commitments.  (a) The Guarantor
may, at any time but in any event not more than once in any calendar  year prior
to the  Termination  Date,  by notice to the Agent,  request that the  aggregate
amount  of the  Commitments  be  increased  by an amount  of  $10,000,000  or an
integral multiple thereof (each a "Commitment Increase") to be effective as of a
date that is at least 90 days prior to the  scheduled  Termination  Date then in
effect (the  "Increase  Date") as specified in the related  notice to the Agent;
provided,  however  that (i) in no  event  shall  the  aggregate  amount  of the
Commitments  at any  time  exceed  $1,000,000,000  and  (ii) on the  date of any
request by the Guarantor for a Commitment  Increase and on the related  Increase
Date the applicable conditions set forth in Article III shall be satisfied.

      (b) The Agent  shall  promptly  notify  the  Lenders  of a request  by the
Guarantor for a Commitment Increase, which notice shall include (i) the proposed
amount of such requested  Commitment  Increase,  (ii) the proposed Increase Date
and (iii) the date by which Lenders  wishing to  participate  in the  Commitment
Increase  must  commit  to  an  increase  in  the  amount  of  their  respective
Commitments (the "Commitment  Date"). Each Lender that is willing to participate
in such requested  Commitment  Increase (each an "Increasing  Lender") shall, in
its  sole  discretion,  give  written  notice  to the  Agent  on or prior to the
Commitment Date of the amount by which it is willing to increase its Commitment.
If the Lenders  notify the Agent that they are willing to increase the amount of
their  respective  Commitments by an aggregate amount that exceeds the amount of
the requested  Commitment  Increase,  the requested Commitment Increase shall be
allocated  among the Lenders  willing to participate  therein in such amounts as
are agreed between the Guarantor and the Agent.

      (c) Promptly  following each  Commitment  Date, the Agent shall notify the
Guarantor  as to the  amount,  if any,  by which  the  Lenders  are  willing  to
participate in the requested  Commitment  Increase.  If the aggregate  amount by
which the  Lenders  are  willing  to  participate  in any  requested  Commitment
Increase  on any such  Commitment  Date is less  than the  requested  Commitment
Increase, then the Guarantor may extend offers to one or more Eligible Assignees
to participate in any portion of the requested  Commitment Increase that has not
been committed to by the Lenders as of the applicable Commitment Date; provided,
however,  that the  Commitment  of each such  Eligible  Assignee  shall be in an
amount of $10,000,000 or an integral multiple of $1,000,000 in excess thereof.

      (d) On each Increase Date, each Eligible Assignee that accepts an offer to
participate  in a requested  Commitment  Increase  in  accordance  with  Section
2.17(b)  (each such  Eligible  Assignee,  an "Assuming  Lender")  shall become a
Lender party to this  Agreement as of such Increase  Date and the  Commitment of
each  Increasing  Lender  for such  requested  Commitment  Increase  shall be so
increased by such amount (or by the amount  allocated to such Lender pursuant to
the last  sentence  of Section  2.17(b))  as of such  Increase  Date;  provided,
however,  that the Agent shall have received on or before such Increase Date the
following, each dated such date:

            (i) (A) certified copies of resolutions of the Board of Directors of
      each Loan Party or the  Executive  Committee of such Board  approving  the
      Commitment  Increase  and (B) an opinion of counsel  for the Loan  Parties
      (which may be in-house counsel), in substantially the form of Exhibits D-1
      and D-2 hereto;

            (ii) an assumption  agreement from each Assuming Lender,  if any, in
      form and  substance  satisfactory  to the Guarantor and the Agent (each an
      "Assumption  Agreement"),  duly  executed by such Eligible  Assignee,  the
      Agent and the Guarantor; and

            (iii)  confirmation  from each Increasing  Lender of the increase in
      the amount of its  Commitment in a writing  satisfactory  to the Guarantor
      and the Agent.

On each Increase  Date,  upon  fulfillment  of the  conditions  set forth in the
immediately  preceding sentence of this Section 2.17(d),  the Agent shall notify
the Lenders (including,  without limitation,  each Assuming Lender) and the Loan
Parties, on or before 1:00 P.M. (New York City time), by telecopier or telex, of
the occurrence of the  Commitment  Increase to be effected on such Increase Date
and shall record in the Register the relevant  information  with respect to each
Increasing Lender and each Assuming Lender on such date.


                                       21
<PAGE>

                                   ARTICLE III

                     CONDITIONS TO EFFECTIVENESS AND LENDING

      SECTION  3.01.  Conditions  Precedent to  Effectiveness  of Section  2.01.
Section 2.01 of this  Agreement  shall  become  effective on and as of the first
date (the  "Effective  Date") on which the following  conditions  precedent have
been satisfied:

            (a) There  shall have  occurred  no Material  Adverse  Change  since
      December 31, 2001.

            (b) There shall exist no action, suit, investigation,  litigation or
      proceeding  affecting the Guarantor or any of its Subsidiaries  pending or
      threatened  before any court,  governmental  agency or arbitrator that (i)
      could be reasonably  likely to have a Material  Adverse  Effect other than
      the  matters   described  on  Schedule   3.01(b)  hereto  (the  "Disclosed
      Litigation")  or  (ii)  purports  to  affect  the  legality,  validity  or
      enforceability  of this Agreement or any Note or the  consummation  of the
      transactions  contemplated  hereby,  and there  shall have been no adverse
      change in the status,  or financial  effect on the Guarantor or any of its
      Subsidiaries,  of the Disclosed Litigation from that described on Schedule
      3.01(b) hereto.

            (c) Nothing shall have come to the  attention of the Lenders  during
      the course of their due  diligence  investigation  to lead them to believe
      that the Information Memorandum was or has become misleading, incorrect or
      incomplete in any material respect; without limiting the generality of the
      foregoing,   the  Lenders  shall  have  been  given  such  access  to  the
      management,  records,  books of account,  contracts and  properties of the
      Guarantor and its Subsidiaries as they shall have requested.

            (d)  All   governmental  and  third  party  consents  and  approvals
      necessary in connection with the  transactions  contemplated  hereby shall
      have been obtained  (without the imposition of any conditions that are not
      acceptable  to the  Lenders)  and shall  remain in  effect,  and no law or
      regulation  shall be applicable in the reasonable  judgment of the Lenders
      that restrains, prevents or imposes materially adverse conditions upon the
      transactions contemplated hereby.

            (e) The  Borrowers  shall have notified each Lender and the Agent in
      writing as to the proposed Effective Date.

            (f) The  Borrowers  shall have paid all accrued fees and expenses of
      the Agent and the  Lenders  (including  the accrued  fees and  expenses of
      counsel to the Agent).

            (g) On the Effective  Date, the following  statements  shall be true
      and the  Agent  shall  have  received  for the  account  of each  Lender a
      certificate  signed by a duly authorized  officer of the Guarantor,  dated
      the Effective Date, stating that:

                  (i) The  representations  and warranties  contained in Section
            4.01 are correct on and as of the Effective Date, and

                  (ii) No event has occurred and is continuing that  constitutes
            a Default.

            (h) The Agent shall have  received on or before the  Effective  Date
      the following,  each dated such day, in form and substance satisfactory to
      the Agent and (except for the Notes) in sufficient copies for each Lender:

                  (i) The  Notes  to the  order  of the  Lenders  to the  extent
            requested by any Lender pursuant to Section 2.15.

                  (ii)  Certified  copies  of the  resolutions  of the  Board of
            Directors of each Loan Party  approving this Agreement and the Notes
            to  which  it is a  party,  and of all  documents  evidencing


                                       22
<PAGE>

            other necessary corporate action and governmental approvals, if any,
            with respect to this Agreement and the Notes to which it is a party.

                  (iii) A certificate of the Secretary or an Assistant Secretary
            of each Loan Party  certifying the names and true  signatures of the
            officers of such Loan Party  authorized  to sign this  Agreement and
            the  Notes to  which it is a party  and the  other  documents  to be
            delivered by it hereunder.

                  (iv) A favorable  opinion of Dewey  Ballantine  LLP,  New York
            counsel for the Loan Parties,  and MacFarlanes,  English counsel for
            OFP,  substantially  in the  form of  Exhibits  D-1 and D-2  hereto,
            respectively, and as to such other matters as any Lender through the
            Agent may reasonably request.

                  (v) A favorable  opinion of  Shearman & Sterling,  counsel for
            the Agent, in form and substance satisfactory to the Agent.

            (i) The Borrowers  shall have terminated the commitments and paid in
      full all Debt, interest, fees and other amounts outstanding, under (x) the
      364-Day Credit  Agreement  dated as of April 25, 2002 among the Borrowers,
      the lenders  parties thereto and Citibank,  as agent,  and (y) the Amended
      and  Restated  Five Year Credit  Agreement  dated as of May 10,  1996,  as
      amended,  among the Borrowers,  the lenders  parties  thereto and ABN AMRO
      Bank N.V.,  as agent,  and each of the  Lenders  that is a party to either
      such credit agreement hereby waives, upon the execution of this Agreement,
      any  requirement  of  prior  notice  relating  to the  termination  of the
      commitments thereunder.

      SECTION 3.02.  Conditions  Precedent to Each Borrowing and Each Commitment
Increase.  The  obligation  of each Lender to make an Advance on the occasion of
each Borrowing and each  Commitment  Increase shall be subject to the conditions
precedent  that the  Effective  Date shall have occurred and on the date of such
Borrowing or such Increase Date (a) the following  statements shall be true (and
each of the giving of the applicable Notice of Borrowing, request for Commitment
Increase  and the  acceptance  by a Borrower of the  proceeds of such  Borrowing
shall constitute a representation and warranty by such Borrower that on the date
of such Borrowing or such Increase Date such statements are true):

            (i) the  representations  and  warranties  contained in Section 4.01
      (except, in the case of a Borrowing,  the representations set forth in the
      last sentence of subsection (e) thereof and in subsection  (f)(i) thereof)
      are correct on and as of such date, before and after giving effect to such
      Borrowing  or  such  Commitment  Increase  and to the  application  of the
      proceeds therefrom, as though made on and as of such date, and

            (ii) no event has occurred and is  continuing,  or would result from
      such Borrowing or such Commitment  Increase or from the application of the
      proceeds therefrom, that constitutes a Default;

and (b) the  Agent  shall  have  received  such  other  approvals,  opinions  or
documents as any Lender through the Agent may reasonably request.

      SECTION  3.03.   Determinations   Under  Section  3.01.  For  purposes  of
determining  compliance  with the  conditions  specified in Section  3.01,  each
Lender  shall be deemed to have  consented  to,  approved  or  accepted or to be
satisfied with each document or other matter required thereunder to be consented
to or approved by or acceptable or satisfactory to the Lenders unless an officer
of the Agent  responsible  for the  transactions  contemplated by this Agreement
shall  have  received  notice  from  such  Lender  prior  to the  date  that the
Borrowers,  by notice to the Lenders,  designate as the proposed Effective Date,
specifying its objection thereto. The Agent shall promptly notify the Lenders of
the occurrence of the Effective Date.


                                       23
<PAGE>

                                   ARTICLE IV

                         REPRESENTATIONS AND WARRANTIES

      SECTION  4.01.  Representations  and  Warranties  of  the  Guarantor.  The
Guarantor represents and warrants as follows:

            (a)  Each  Loan  Party  is a  corporation  duly  organized,  validly
      existing and in good standing  under the laws of the  jurisdiction  of its
      organization.

            (b) The  execution,  delivery and  performance by each Loan Party of
      this  Agreement and the Notes to be delivered by it, and the  consummation
      of the transactions  contemplated hereby, are within the such Loan Party's
      corporate  powers,  have been duly  authorized by all necessary  corporate
      action, and do not contravene (i) the such Loan Party's charter or by-laws
      or  other  organizational   documents  or  (ii)  law  or  any  contractual
      restriction binding on or affecting any Loan Party.

            (c) No  authorization  or approval or other action by, and no notice
      to or filing with, any  governmental  authority or regulatory  body or any
      other  third  party  is  required  for the  due  execution,  delivery  and
      performance  by the any Loan  Party of this  Agreement  or the Notes to be
      delivered by it.

            (d) This  Agreement has been,  and each of the Notes to be delivered
      by it when delivered hereunder will have been, duly executed and delivered
      by each Loan Party party thereto. This Agreement is, and each of the Notes
      when delivered  hereunder will be, the legal, valid and binding obligation
      of each Loan Party party  thereto  enforceable  against such Loan Party in
      accordance with their respective terms.

            (e)  The  Consolidated  balance  sheet  of  the  Guarantor  and  its
      Subsidiaries  as at  December  31,  2001,  and  the  related  Consolidated
      statements of income and cash flows of the Guarantor and its  Subsidiaries
      for the  fiscal  year then  ended,  accompanied  by an  opinion  of Arthur
      Andersen LLP, independent public accountants, and the Consolidated balance
      sheet of the Guarantor and its  Subsidiaries  as at June 30, 2002, and the
      related Consolidated  statements of income and cash flows of the Guarantor
      and its Subsidiaries for the six months then ended,  duly certified by the
      chief  financial  officer  of the  Guarantor,  copies  of which  have been
      furnished to each Lender,  fairly  present,  subject,  in the case of said
      balance sheet as at June 30, 2002, and said  statements of income and cash
      flows for the six months then ended,  to year-end audit  adjustments,  the
      Consolidated  financial condition of the Guarantor and its Subsidiaries as
      at such  dates  and the  Consolidated  results  of the  operations  of the
      Guarantor and its Subsidiaries for the periods ended on such dates, all in
      accordance  with generally  accepted  accounting  principles  consistently
      applied.  Since  December  31,  2001,  there has been no Material  Adverse
      Change.

            (f) There is no  pending  or,  to the  knowledge  of the  Guarantor,
      threatened  action,   suit,   investigation,   litigation  or  proceeding,
      including,  without limitation,  any Environmental  Action,  affecting the
      Guarantor or any of its Subsidiaries before any court, governmental agency
      or  arbitrator  that (i) could be  reasonably  likely  to have a  Material
      Adverse Effect (other than the Disclosed  Litigation),  and there has been
      no adverse change in the status,  or financial  effect on the Guarantor or
      any of its Subsidiaries,  of the Disclosed  Litigation from that described
      on  Schedule  3.01(b)  hereto or (ii)  purports  to affect  the  legality,
      validity  or   enforceability  of  this  Agreement  or  any  Note  or  the
      consummation of the transactions contemplated hereby.

            (g) No Loan Party is engaged in the business of extending credit for
      the purpose of purchasing or carrying  margin stock (within the meaning of
      Regulation  U issued  by the Board of  Governors  of the  Federal  Reserve
      System),  and no proceeds of any Advance 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.

            (h)  No  Loan  Party  is  an  "investment  company",  or  a  company
      "controlled"  by an  "investment  company",  within  the  meaning  of  the
      Investment Company Act of 1940, as amended.


                                       24
<PAGE>

            (i)  All  factual  information  (taken  as a  whole)  heretofore  or
      contemporaneously  furnished  by or on behalf of any Loan Party in writing
      to any Lender (including, without limitation, all information contained in
      this  Agreement)  for purposes of or in connection  with this Agreement or
      any  transaction  contemplated  herein  is,  and all  other  such  factual
      information (taken as a whole) hereafter furnished by or on behalf of such
      Loan  Party in writing to any Lender  will be,  true and  accurate  in all
      material  respects  on the date as of which such  information  is dated or
      certified  and does not or will not omit to state  any fact  necessary  to
      make such  information  (taken as a whole) not  misleading in any material
      respect  at such  time in  light of the  circumstances  under  which  such
      information was provided.

                                    ARTICLE V

                           COVENANTS OF THE GUARANTOR

      SECTION 5.01. Affirmative  Covenants.  So long as any Advance shall remain
unpaid or any Lender shall have any Commitment hereunder, the Guarantor will:

            (a)  Compliance  with  Laws,  Etc.  Comply,  and  cause  each of its
      Subsidiaries to comply with all applicable  laws,  rules,  regulations and
      orders, such compliance to include,  without  limitation,  compliance with
      ERISA and  Environmental  Laws  except,  in each case,  to the extent that
      failure to comply  would not  reasonably  be  expected  to have a Material
      Adverse Effect.

            (b) Payment of Taxes, Etc. Pay and discharge,  and cause each of its
      Subsidiaries   to  pay  and  discharge,   before  the  same  shall  become
      delinquent,  (i) all taxes, assessments and governmental charges or levies
      imposed upon it or upon its property and (ii) all lawful  claims that,  if
      unpaid, might by law become a Lien upon its property;  provided,  however,
      that neither the Guarantor nor any of its  Subsidiaries  shall be required
      to pay or  discharge  any such tax,  assessment,  charge or claim  that is
      being  contested in good faith and by proper  proceedings  and as to which
      appropriate reserves are being maintained.

            (c)  Maintenance  of  Insurance.  Maintain,  and  cause  each of its
      Subsidiaries  to  maintain,   insurance  with  responsible  and  reputable
      insurance  companies or  associations  in such  amounts and covering  such
      risks as is usually carried by companies engaged in similar businesses and
      owning similar properties in the same general areas in which the Guarantor
      or such Subsidiary operates.

            (d) Preservation of Corporate Existence, Etc. Preserve and maintain,
      and cause each of its Subsidiaries to preserve and maintain, its corporate
      existence,  rights  (charter  and  statutory)  and  franchises;  provided,
      however, that the Guarantor and its Subsidiaries may consummate any merger
      or consolidation permitted under Section 5.02(b) and provided further that
      neither the  Guarantor  nor any of its  Subsidiaries  shall be required to
      preserve any right or franchise if the Board of Directors of the Guarantor
      or such  Subsidiary  shall determine that the  preservation  thereof is no
      longer  desirable in the conduct of the business of the  Guarantor or such
      Subsidiary,  as the  case  may  be,  and  that  the  loss  thereof  is not
      disadvantageous in any material respect to the Guarantor,  such Subsidiary
      or the Lenders.

            (e) Visitation Rights. At any reasonable time and from time to time,
      permit the Agent or any of the  Lenders  or any agents or  representatives
      thereof,  to examine and make copies of and abstracts from the records and
      books of account of, and visit the properties of, the Guarantor and any of
      its Subsidiaries, and to discuss the affairs, finances and accounts of the
      Guarantor  and any of its  Subsidiaries  with  any of  their  officers  or
      directors and with their independent certified public accountants.

            (f) Keeping of Books.  Keep, and cause each of its  Subsidiaries  to
      keep,  proper  books of record  and  account,  in which  full and  correct
      entries  shall be made of all  financial  transactions  and the assets and
      business of the  Guarantor and each such  Subsidiary  in  accordance  with
      generally accepted accounting principles in effect from time to time.


                                       25
<PAGE>

            (g) Maintenance of Properties, Etc. Maintain and preserve, and cause
      each of its  Subsidiaries to maintain and preserve,  all of its properties
      that are used or useful in the  conduct of its  business  in good  working
      order and condition, ordinary wear and tear excepted.

            (h)  Transactions  with Affiliates.  Conduct,  and cause each of its
      Subsidiaries to conduct,  all transactions  otherwise permitted under this
      Agreement  with  any of  their  Affiliates  on  terms  that  are  fair and
      reasonable and no less favorable to the Guarantor or such  Subsidiary than
      it would obtain in a comparable arm's-length transaction with a Person not
      an Affiliate.

            (i) Reporting Requirements. Furnish to the Lenders:

                  (i) as soon as available and in any event within 50 days after
            the end of each of the first  three  quarters of each fiscal year of
            the Guarantor,  the Consolidated  balance sheet of the Guarantor and
            its  Subsidiaries  as of the end of such  quarter  and  Consolidated
            statements  of  income  and  cash  flows  of the  Guarantor  and its
            Subsidiaries  for the period  commencing  at the end of the previous
            fiscal year and ending with the end of such quarter,  duly certified
            (subject  to  year-end  audit  adjustments)  by the chief  financial
            officer of the Guarantor as having been prepared in accordance  with
            generally  accepted  accounting  principles and  certificates of the
            chief  financial  officer of the Guarantor as to compliance with the
            terms of this  Agreement and setting forth in reasonable  detail the
            calculations  necessary to demonstrate compliance with Section 5.03,
            provided  that in the  event of any  change  in  generally  accepted
            accounting  principles  used in the  preparation  of such  financial
            statements,  the Guarantor shall also provide,  if necessary for the
            determination  of  compliance  with  Section  5.03,  a statement  of
            reconciliation conforming such financial statements to GAAP;

                  (ii) as soon as  available  and in any  event  within  95 days
            after the end of each  fiscal year of the  Guarantor,  a copy of the
            annual  audit  report  for  such  year  for  the  Guarantor  and its
            Subsidiaries,  containing  the  Consolidated  balance  sheet  of the
            Guarantor and its Subsidiaries as of the end of such fiscal year and
            Consolidated  statements  of income and cash flows of the  Guarantor
            and its  Subsidiaries for such fiscal year, in each case accompanied
            by an  opinion  acceptable  to the  Required  Lenders by KPMG LLP or
            other  independent  public  accountants  acceptable  to the Required
            Lenders  and  certificates  of the chief  financial  officer  of the
            Guarantor  as to  compliance  with the terms of this  Agreement  and
            setting forth in  reasonable  detail the  calculations  necessary to
            demonstrate compliance with Section 5.03, provided that in the event
            of any change in generally  accepted  accounting  principles used in
            the  preparation of such financial  statements,  the Guarantor shall
            also provide,  if necessary for the determination of compliance with
            Section  5.03,  a  statement  of   reconciliation   conforming  such
            financial statements to GAAP;

                  (iii) as soon as  possible  and in any event  within five days
            after any senior  officer  of the  Guarantor  or a Borrower  becomes
            aware or should have become aware of the  occurrence of any Default,
            the  occurrence  of  each  Default  continuing  on the  date of such
            statement,  a  statement  of  the  chief  financial  officer  of the
            Guarantor  setting forth details of such Default and the action that
            the Guarantor has taken and proposes to take with respect thereto;

                  (iv) promptly after the sending or filing  thereof,  copies of
            all reports that the Guarantor sends to any of its  securityholders,
            and  copies of all  reports  and  registration  statements  that the
            Guarantor or any  Subsidiary  files with the Securities and Exchange
            Commission or any national securities exchange;

                  (v) promptly  after the  commencement  thereof,  notice of all
            actions and  proceedings  before any court,  governmental  agency or
            arbitrator affecting the Guarantor or any of its Subsidiaries of the
            type described in Section 4.01(f); and


                                       26
<PAGE>

                  (vi) such other information respecting the Guarantor or any of
            its  Subsidiaries  as any Lender  through the Agent may from time to
            time reasonably request.

            Reports and  financial  statements  required to be  delivered by the
      Guarantor  pursuant to paragraphs  (i), (ii), (iv) and (v) of this Section
      5.01(i)  shall be deemed to have  been  delivered  on the date on which it
      posts such reports,  or reports containing such financial  statements,  on
      its website on the Internet at  www.omnicomgroup.com or when such reports,
      or reports  containing  such financial  statements are posted on the SEC's
      website at  www.sec.gov;  provided that it shall deliver  notice that such
      reports and financial  statements are so available and shall deliver paper
      copies of the reports and financial  statements  referred to in paragraphs
      (i), (ii), (iv) and (v) of this Section 5.01(i) to the Agent or any Lender
      who requests it to deliver such paper copies until written notice to cease
      delivering paper copies is given by the Agent or such Lender.

      SECTION  5.02.  Negative  Covenants.  So long as any Advance  shall remain
unpaid or any Lender shall have any  Commitment  hereunder,  the Guarantor  will
not:

            (a)  Liens,  Etc.  Create or suffer to exist,  or permit  any of its
      Subsidiaries to create or suffer to exist,  any Lien on or with respect to
      any of its properties, whether now owned or hereafter acquired, or assign,
      or permit any of its Subsidiaries to assign,  any right to receive income,
      other than:

                  (i) Permitted Liens,

                  (ii)  purchase  money  Liens upon or in any real  property  or
            equipment acquired or held by the Guarantor or any Subsidiary in the
            ordinary  course of  business to secure the  purchase  price of such
            property  or  equipment  or to secure Debt  incurred  solely for the
            purpose of financing the  acquisition of such property or equipment,
            or Liens  existing on such  property or equipment at the time of its
            acquisition  (other than any such Liens created in  contemplation of
            such  acquisition  that were not incurred to finance the acquisition
            of such property) or extensions,  renewals or replacements of any of
            the foregoing for the same or a lesser  amount,  provided,  however,
            that no such Lien  shall  extend to or cover any  properties  of any
            character  other than the real property or equipment  being acquired
            and fixed improvements  thereon or accessions  thereto,  and no such
            extension,  renewal  or  replacement  shall  extend  to or cover any
            properties  not  theretofore  subject  to the Lien  being  extended,
            renewed or replaced,

                  (iii) the Liens  existing on the Effective  Date and described
            on Schedule 5.02(a) hereto,

                  (iv) Liens on property  of a Person  existing at the time such
            Person is merged  into or  consolidated  with the  Guarantor  or any
            Subsidiary   of  the  Guarantor  or  becomes  a  Subsidiary  of  the
            Guarantor;   provided   that  such   Liens   were  not   created  in
            contemplation  of such merger,  consolidation  or acquisition and do
            not  extend to any  assets  other than those of the Person so merged
            into or  consolidated  with  the  Guarantor  or such  Subsidiary  or
            acquired by the Guarantor or such Subsidiary,

                  (v) Liens securing Debt permitted by Section 5.02(d)(vii),

                  (vi) Liens granted by  Subsidiaries  of the  Guarantor  (other
            than the Borrowers) to secure Debt permitted by Section 5.02(d)(iv),
            and

                  (vii) other Liens securing  Debt,  provided that the aggregate
            principal  amount of such  secured  Debt shall not exceed 15% of the
            Consolidated  net worth of the Guarantor and its Subsidiaries at any
            time.


                                       27
<PAGE>

            (b) Mergers,  Etc.  Merge or  consolidate  with or into,  or convey,
      transfer,  lease or otherwise dispose of (whether in one transaction or in
      a series of transactions)  all or substantially all of its assets (whether
      now owned or  hereafter  acquired)  to, any  Person,  or permit any of the
      Borrowers to do so.

            (c)  Accounting  Changes.  Make  or  permit,  or  permit  any of its
      Subsidiaries  to make or permit,  any  change in  accounting  policies  or
      reporting practices, except as required or permitted by generally accepted
      accounting principles.

            (d) Subsidiary  Debt.  Permit any of its  Subsidiaries  to create or
      suffer to exist, any Debt other than:

                  (i) Debt  existing  on the  Effective  Date and  described  on
            Schedule  5.02(d)  hereto  (the  "Existing  Debt"),   and  any  Debt
            extending the maturity of, or refunding or refinancing,  in whole or
            in part,  the Existing Debt,  provided that the principal  amount of
            such Existing Debt shall not be increased above the principal amount
            thereof outstanding  immediately prior to such extension,  refunding
            or  refinancing  plus any  capitalized  fees  incurred in connection
            therewith, and the direct and contingent obligors therefor shall not
            be changed  (other than to release  any  contingent  obligor),  as a
            result  of  or in  connection  with  such  extension,  refunding  or
            refinancing,

                  (ii)  accrued  expenses  and trade  payables  incurred  in the
            ordinary course of business,  and obligations under trade letters of
            credit incurred in the ordinary course of business,  which are to be
            repaid in full not more than one year  after the date on which  such
            Debt is originally incurred to finance the purchase of goods by such
            Subsidiary,

                  (iii)  obligations  under  letters  of credit or surety  bonds
            incurred  in  the   ordinary   course  of  business  in  support  of
            obligations   incurred   in   connection   with   leases,   worker's
            compensation,  unemployment  insurance  and  other  social  security
            legislation,

                  (iv)  Debt  owed  to  the  Guarantor  or  to  a  wholly  owned
            Subsidiary of the Guarantor,

                  (v) Debt of the Borrowers,

                  (vi) other Debt of Subsidiaries of the Guarantor which are not
            organized under the laws of the United States of America, a State of
            the  United  States of  America  or the  District  of  Columbia  and
            substantially  all of whose  assets  and  business  are  located  or
            conducted outside the United States of America,

                  (vii)  Debt of a Person  existing  at the time such  Person is
            merged into or consolidated  with the Guarantor or any Subsidiary of
            the  Guarantor or becomes a Subsidiary  of the  Guarantor;  provided
            that such Debt was not  created  in  contemplation  of such  merger,
            consolidation  or acquisition,  provided  further that the aggregate
            principal  amount of the Debt  referred to in this clause (iv) shall
            not exceed $50,000,000 at any time outstanding,

                  (viii) (x) Debt consisting of any guaranty made any Subsidiary
            of the Guarantor in respect of Debt of any Loan Party, provided that
            such  Subsidiary  shall have  entered into a guaranty of the Debt of
            the Guarantor under this Agreement in form and substance  reasonably
            satisfactory  to the  Required  Lenders  and (y)  Debt  constituting
            guaranties of the Debt of the Guarantor under this Agreement, and

                  (ix)  indorsement  of  negotiable  instruments  for deposit or
            collection  or  similar  transactions  in  the  ordinary  course  of
            business.


                                       28
<PAGE>

            (e)  Change in  Nature  of  Business.  Make,  or  permit  any of its
      Subsidiaries to make, any material change in the nature of its business as
      carried on at the date hereof and other reasonably  related  businesses or
      businesses reasonably incidental thereto.

            (f)  Payment  Restrictions  Affecting   Subsidiaries.   Directly  or
      indirectly,  enter  into  or  suffer  to  exist,  or  permit  any  of  its
      Subsidiaries  to  enter  into  or  suffer  to  exist,   any  agreement  or
      arrangement  limiting  the ability or any of its  Subsidiaries  to (i) pay
      dividends  or make any other  distributions  on its  capital  stock or any
      other interest or  participation  in its profits owned by the Guarantor or
      any of its  Subsidiaries,  or pay any Debt owed to the Guarantor or any of
      its  Subsidiaries,  (ii) make loans or advances to the  Guarantor or (iii)
      transfer any of its properties or assets to the Guarantor, except for such
      agreements or  arrangements  existing under or by reason of (x) applicable
      law,  (y)  this  Agreement  and  (z)  customary   provisions   restricting
      subletting or assignment of any lease governing a leasehold  interest of a
      Subsidiary of the Guarantor.

      SECTION  5.03.  Financial  Covenants.  So long as any Advance shall remain
unpaid or any Lender shall have any Commitment hereunder, the Guarantor will:

            (a)  Leverage  Ratio.  Maintain  a ratio  of  Consolidated  Debt for
      Borrowed  Money of the  Guarantor  and its  Subsidiaries  to  Consolidated
      EBITDA of the  Guarantor and its  Subsidiaries  for the four quarters most
      recently ended of not greater than 3.0 to 1.

            (b) Interest Coverage Ratio. Maintain a ratio of Consolidated EBITDA
      of the Guarantor and its  Subsidiaries for the four quarters most recently
      ended to interest payable on, and amortization of debt discount in respect
      of, all Debt during such period by the Guarantor and its  Subsidiaries  of
      not less than 5.0 to 1.

                                   ARTICLE VI

                                EVENTS OF DEFAULT

      SECTION 6.01.  Events of Default.  If any of the following events ("Events
of Default") shall occur and be continuing:

            (a) Any Borrower shall fail to pay any principal of any Advance when
      the same  becomes due and payable;  or any Borrower  shall fail to pay any
      interest on any Advance or make any other payment of fees or other amounts
      payable under this  Agreement or any Note within three Business Days after
      the same becomes due and payable; or

            (b) Any  representation  or warranty made by the Guarantor herein or
      by any  Loan  Party  (or any of its  officers)  in  connection  with  this
      Agreement shall prove to have been incorrect in any material  respect when
      made; or

            (c) (i) The  Guarantor  shall fail to  perform or observe  any term,
      covenant or agreement contained in Section 5.01(d),  (e), (h) or (i), 5.02
      or 5.03, or (ii) any Loan Party shall fail to perform or observe any other
      term,  covenant or agreement contained in this Agreement on its part to be
      performed or observed if such failure shall remain  unremedied for 30 days
      after written notice thereof shall have been given to the Guarantor by the
      Agent or any Lender; or

            (d) The Guarantor or any of its  Subsidiaries  shall fail to pay any
      principal of or premium or interest on any Debt that is  outstanding  in a
      principal or notional amount of at least $60,000,000 in the aggregate (but
      excluding Debt outstanding  hereunder) of the Guarantor or such Subsidiary
      (as the case may be),  when the same  becomes due and payable  (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
      Debt;  or any other event shall occur or  condition


                                       29
<PAGE>

      shall exist under any  agreement or  instrument  relating to any such Debt
      and shall continue after the applicable grace period, if any, specified in
      such agreement or instrument,  if the effect of such event or condition is
      to  accelerate,  or to permit the  acceleration  of, the  maturity of such
      Debt;  or any  such  Debt  shall be  declared  to be due and  payable,  or
      required  to be prepaid or redeemed  (other than by a regularly  scheduled
      required prepayment or redemption),  purchased or defeased, or an offer to
      prepay,  redeem,  purchase  or defease  such Debt shall be  required to be
      made, in each case prior to the stated maturity thereof; or

            (e) The Guarantor or any of its Subsidiaries shall generally not pay
      its  debts as such  debts  become  due,  or shall  admit  in  writing  its
      inability to pay its debts generally,  or shall make a general  assignment
      for the benefit of creditors;  or any proceeding shall be instituted by or
      against the Guarantor or any of its Subsidiaries  seeking to adjudicate it
      a  bankrupt   or   insolvent,   or  seeking   liquidation,   winding   up,
      reorganization,    arrangement,   adjustment,   protection,   relief,   or
      composition  of it or its debts  under  any law  relating  to  bankruptcy,
      insolvency or reorganization or relief of debtors, or seeking the entry of
      an order for relief or the appointment of a receiver,  trustee,  custodian
      or  other  similar  official  for it or for  any  substantial  part of its
      property  and, in the case of any such  proceeding  instituted  against it
      (but  not  instituted  by  it),  either  such   proceeding   shall  remain
      undismissed  or  unstayed  for a period of 60 days,  or any of the actions
      sought in such proceeding (including,  without limitation, the entry of an
      order for relief  against,  or the  appointment  of a  receiver,  trustee,
      custodian or other similar official for, it or for any substantial part of
      its property)  shall occur;  or the  Guarantor or any of its  Subsidiaries
      shall take any corporate  action to authorize any of the actions set forth
      above in this subsection (e); or

            (f)  Judgments  or  orders  for the  payment  of money in  excess of
      $60,000,000  in the aggregate  shall be rendered  against the Guarantor or
      any of its Subsidiaries and either (i) enforcement  proceedings shall have
      been  commenced by any creditor  upon such judgment or order or (ii) there
      shall  be any  period  of 60  consecutive  days  during  which  a stay  of
      enforcement  of such judgment or order,  by reason of a pending  appeal or
      otherwise,  shall  not be in  effect;  provided,  however,  that  any such
      judgment  or order  shall not be an Event of Default  under  this  Section
      6.01(f) if and for so long as (i) the amount of such  judgment or order is
      covered by a valid and binding  policy of insurance  between the defendant
      and the insurer  covering  payment  thereof and (ii) such  insurer,  which
      shall be rated at least "A" by A.M.  Best  Company,  has been notified of,
      and has not  disputed  the claim made for  payment  of, the amount of such
      judgment or order; or

            (g) (i) Any Person or two or more  Persons  acting in concert  shall
      have acquired  beneficial  ownership  (within the meaning of Rule 13d-3 of
      the Securities and Exchange  Commission under the Securities  Exchange Act
      of 1934),  directly or  indirectly,  of Voting Stock of the  Guarantor (or
      other securities  convertible into such Voting Stock)  representing 30% or
      more of the combined voting power of all Voting Stock of the Guarantor; or
      (ii) during any period of up to 12 consecutive  months,  commencing  after
      the  date of this  Agreement,  individuals  who at the  beginning  of such
      12-month period were directors of the Guarantor shall cease for any reason
      to  constitute a majority of the board of directors of the  Guarantor;  or
      (iii) the  Guarantor  shall  cease  for any  reason  to own,  directly  or
      indirectly, 100% of the Voting Stock of each of the Borrowers; or

            (h) Any material  provision of the Guaranty  shall cease to be valid
      and binding on or  enforceable  against the  Guarantor,  or the  Guarantor
      shall so state in writing; or

            (i) The  Guarantor or any of its ERISA  Affiliates  shall incur,  or
      shall be reasonably  likely to incur liability in excess of $60,000,000 in
      the  aggregate  as a  result  of one or  more  of the  following:  (i) the
      occurrence of any ERISA Event; (ii) the partial or complete  withdrawal of
      the Guarantor or any of its ERISA Affiliates from a Multiemployer Plan; or
      (iii) the reorganization or termination of a Multiemployer Plan;

then, and in any such event, the Agent (i) shall at the request, or may with the
consent,  of the  Required  Lenders,  by notice to the  Borrowers,  declare  the
obligation of each Lender to make Advances to be terminated,  whereupon the same
shall  forthwith  terminate,  and  (ii)  shall at the  request,  or may with the
consent,  of the  Required  Lenders,  by


                                       30
<PAGE>

notice to the  Borrowers,  declare the  Advances,  all interest  thereon and all
other  amounts  payable  under this  Agreement to be forthwith  due and payable,
whereupon the Advances,  all such interest and all such amounts 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 each Borrower;
provided,  however,  that in the event of an actual or deemed  entry of an order
for relief with respect to any Loan Party under the Federal Bankruptcy Code, (A)
the obligation of each Lender to make Advances shall automatically be terminated
and (B) the Advances, all such interest and all such amounts shall automatically
become  and be due and  payable,  without  presentment,  demand,  protest or any
notice of any kind, all of which are hereby expressly waived by the Borrowers.

                                   ARTICLE VII

                                    GUARANTY

      SECTION 7.01. Guaranty.  The Guarantor hereby absolutely,  unconditionally
and irrevocably  guarantees the punctual  payment when due, whether at scheduled
maturity or on any date of a required  prepayment or by acceleration,  demand or
otherwise, of all obligations of each other Loan Party now or hereafter existing
under or in  respect of the this  Agreement  and the Notes  (including,  without
limitation, any extensions, modifications, substitutions, amendments or renewals
of any  or  all of the  foregoing  obligations),  whether  direct  or  indirect,
absolute or contingent,  and whether for principal,  interest,  premiums,  fees,
indemnities,  contract  causes of action,  costs,  expenses or  otherwise  (such
obligations being the "Guaranteed  Obligations"),  and agrees to pay any and all
expenses  (including,  without limitation,  fees and expenses of outside counsel
and the allocated costs and expenses of in-house  counsel) incurred by the Agent
or any Lender in enforcing any rights under this Agreement. Without limiting the
generality  of the  foregoing,  the  Guarantor's  liability  shall extend to all
amounts that constitute part of the Guaranteed  Obligations and would be owed by
any other  Loan  Party to the Agent or any  Lender  under or in  respect of this
Agreement  and the Notes but for the fact  that  they are  unenforceable  or not
allowable  due to the  existence  of a  bankruptcy,  reorganization  or  similar
proceeding involving such other Loan Party.

      SECTION  7.02.  Guaranty  Absolute.  The  Guarantor  guarantees  that  the
Guaranteed  Obligations  will be paid strictly in  accordance  with the terms of
this Agreement and the Notes,  regardless of any law, regulation or order now or
hereafter  in  effect in any  jurisdiction  affecting  any of such  terms or the
rights of the Agent or any Lender  with  respect  thereto.  This  Guaranty is an
absolute and unconditional  guaranty of payment when due, and not of collection,
by the Guarantor of the Guaranteed Obligations. The obligations of the Guarantor
under  or in  respect  of  this  Guaranty  are  independent  of  the  Guaranteed
Obligations or any other obligations of any other Loan Party under or in respect
of this Agreement and the Notes, and a separate action or actions may be brought
and prosecuted  against the Guarantor to enforce this Guaranty,  irrespective of
whether any action is brought  against any  Borrower or whether any  Borrower is
joined in any such action or actions.  The liability of the Guarantor under this
Guaranty shall be irrevocable,  absolute and unconditional  irrespective of, and
the  Guarantor  hereby  irrevocably  waives  any  defenses  it may  now  have or
hereafter acquire in any way relating to, any or all of the following:

            (a) any lack of validity or  enforceability of any provision of this
      Agreement or any Note or any agreement or instrument relating thereto;

            (b) any change in the time, manner or place of payment of, or in any
      other  term of,  all or any of the  Guaranteed  Obligations  or any  other
      obligations  of any Borrower  under or in respect of this Agreement or the
      Notes,  or any other  amendment  or waiver of or any consent to  departure
      from this  Agreement  or the Notes,  including,  without  limitation,  any
      increase in the  Guaranteed  Obligations  resulting  from the extension of
      additional credit to any Borrower or any of its Subsidiaries or otherwise;

            (c)  any  taking,   exchange,   release  or  non-perfection  of  any
      collateral,  or any taking,  release or amendment or waiver of, or consent
      to departure  from, any other  guaranty,  for all or any of the Guaranteed
      Obligations;

            (d) any manner of application of collateral, or proceeds thereof, to
      all or any of the Guaranteed  Obligations,  or any manner of sale or other
      disposition of any collateral for all or any of the


                                       31
<PAGE>

      Guaranteed  Obligations  or any other  obligations of any Loan Party under
      this  Agreement or the Notes or any other assets of any Borrower or any of
      its Subsidiaries;

            (e)  any  change,  restructuring  or  termination  of the  corporate
      structure or existence of any Borrower or any of its Subsidiaries;

            (f) any  failure  of the  Agent or any  Lender  to  disclose  to the
      Guarantor any information  relating to the business,  condition (financial
      or  otherwise),  operations,  performance,  properties or prospects of any
      Borrower now or hereafter known to the Agent or such Lender (the Guarantor
      waiving any duty on the part of the Agent and the Lenders to disclose such
      information);

            (g) the failure of any other  Person to execute or deliver any other
      guaranty or  agreement  or the release or  reduction  of  liability of the
      Guarantor  or other  guarantor  or surety with  respect to the  Guaranteed
      Obligations; or

            (h) any  other  circumstance  (including,  without  limitation,  any
      statute  of   limitations)   or  any  existence  of  or  reliance  on  any
      representation by the Agent or any Lender that might otherwise  constitute
      a defense  available  to, or a  discharge  of, any Loan Party or any other
      guarantor or surety.

This Guaranty shall  continue to be effective or be reinstated,  as the case may
be, if at any time any payment of any of the Guaranteed Obligations is rescinded
or must  otherwise  be returned  by the Agent or any Lender or any other  Person
upon the insolvency,  bankruptcy or reorganization of any Borrower or otherwise,
all as though such payment had not been made.

      SECTION  7.03.  Waivers  and  Acknowledgments.  (a) The  Guarantor  hereby
unconditionally  and  irrevocably  waives  promptness,   diligence,   notice  of
acceptance,  presentment,  demand  for  performance,  notice of  nonperformance,
default, acceleration,  protest or dishonor and any other notice with respect to
any of the Guaranteed Obligations and this Guaranty and any requirement that the
Agent or any Lender protect,  secure, perfect or insure any Lien or any property
subject  thereto or exhaust any right or take any action  against any Loan Party
or any other Person or any collateral.

            (b) The Guarantor hereby  unconditionally and irrevocably waives any
      right to revoke  this  Guaranty  and  acknowledges  that this  Guaranty is
      continuing in nature and applies to all  Guaranteed  Obligations,  whether
      existing now or in the future.

            (c) The Guarantor hereby  unconditionally and irrevocably waives (i)
      any  defense  arising  by  reason of any claim or  defense  based  upon an
      election  of  remedies  by the  Agent  or any  Lender  that in any  manner
      impairs, reduces, releases or otherwise adversely affects the subrogation,
      reimbursement,  exoneration, contribution or indemnification rights of the
      Guarantor or other rights of the  Guarantor to proceed  against any of the
      other  Loan  Parties,  any  other  guarantor  or any  other  Person or any
      collateral  and  (ii)  any  defense  based  on any  right  of  set-off  or
      counterclaim  against or in respect of the  obligations  of the  Guarantor
      hereunder.

            (d) The Guarantor hereby  unconditionally and irrevocably waives any
      duty on the part of the Agent or any Lender to disclose  to the  Guarantor
      any matter, fact or thing relating to the business,  condition  (financial
      or  otherwise),  operations,  performance,  properties or prospects of any
      other Loan Party or any of its  Subsidiaries now or hereafter known by the
      Agent or such Lender.

            (e) The  Guarantor  acknowledges  that it will  receive  substantial
      direct and indirect benefits from the financing arrangements  contemplated
      by this  Agreement and that the waivers set forth in Section 7.02 and this
      Section 7.03 are knowingly made in contemplation of such benefits.

      SECTION  7.04.  Subrogation.  The  Guarantor  hereby  unconditionally  and
irrevocably  agrees not to exercise any rights that it may now have or hereafter
acquire against any Borrower or any other insider  guarantor


                                       32
<PAGE>

that  arise from the  existence,  payment,  performance  or  enforcement  of the
Guarantor's obligations under or in respect of this Guaranty, including, without
limitation, any right of subrogation,  reimbursement,  exoneration, contribution
or  indemnification  and any right to  participate in any claim or remedy of the
Agent or any Lender  against any Borrower or any other insider  guarantor or any
collateral, whether or not such claim, remedy or right arises in equity or under
contract,  statute or common law, including,  without  limitation,  the right to
take or receive from any Borrower or any other  insider  guarantor,  directly or
indirectly,  in cash or other  property  or by set-off  or in any other  manner,
payment or security on account of such claim,  remedy or right, unless and until
all of the  Guaranteed  Obligations  and all other  amounts  payable  under this
Guaranty  shall  have been paid in full in cash and the  Commitments  shall have
expired or been  terminated.  If any amount  shall be paid to the  Guarantor  in
violation of the immediately  preceding  sentence at any time prior to the later
of the  payment  in full in cash of the  Guaranteed  Obligations  and all  other
amounts payable under this Guaranty and the Termination  Date, such amount shall
be received and held in trust for the benefit of Agent and the Lenders, shall be
segregated from other property and funds of the Guarantor and shall forthwith be
paid or  delivered  to the  Agent  in the same  form as so  received  (with  any
necessary  endorsement  or  assignment)  to  be  credited  and  applied  to  the
Guaranteed  Obligations  and all other  amounts  payable  under  this  Guaranty,
whether matured or unmatured, in accordance with the terms of this Agreement, or
to be held as collateral for any Guaranteed Obligations or other amounts payable
under this Guaranty  thereafter arising. If (i) the Guarantor shall make payment
to the  Agent or any  Lender of all or any part of the  Guaranteed  Obligations,
(ii) all of the Guaranteed  Obligations and all other amounts payable under this
Guaranty  shall  have been paid in full in cash and (iii) the  Termination  Date
shall have occurred,  the Agent and the Lenders will, at the Guarantor's request
and expense, execute and deliver to the Guarantor appropriate documents, without
recourse  and without  representation  or  warranty,  necessary  to evidence the
transfer by  subrogation  to the  Guarantor  of an  interest  in the  Guaranteed
Obligations  resulting from such payment made by the Guarantor  pursuant to this
Guaranty.

      SECTION 7.05. Subordination. The Guarantor hereby subordinates any and all
debts,  liabilities  and other  obligations  owed to the Guarantor by each other
Loan Party (the "Subordinated Obligations") to the Guaranteed Obligations to the
extent and in the manner hereinafter set forth in this Section 7.05:

            (a) Prior Payment of Guaranteed Obligations. In any proceeding under
      any Bankruptcy Law relating to any other Loan Party,  the Guarantor agrees
      that the Agent and the Lenders  shall be  entitled  to receive  payment in
      full in cash of all  Guaranteed  Obligations  (including  all interest and
      expenses  accruing  after  the  commencement  of a  proceeding  under  any
      Bankruptcy  Law,  whether or not  constituting  an  allowed  claim in such
      proceeding  ("Post  Petition  Interest"))  before the  Guarantor  receives
      payment of any Subordinated Obligations.

            (b) Turn-Over.  After the  occurrence and during the  continuance of
      any Event of Default under Section  6.01(e),  the Guarantor  shall, if the
      Agent so requests, collect, enforce and receive payments on account of the
      Subordinated  Obligations  as trustee  for the Agent and the  Lenders  and
      deliver  such  payments  to  the  Agent  on  account  of  the   Guaranteed
      Obligations  (including  all Post  Petition  Interest),  together with any
      necessary  endorsements  or other  instruments  of  transfer,  but without
      reducing or affecting in any manner the liability of the  Guarantor  under
      the other provisions of this Guaranty.

            (c)  Agent  Authorization.  After  the  occurrence  and  during  the
      continuance  of any Event of Default under Section  6.01(e),  the Agent is
      authorized  and  empowered  (but without any  obligation to so do), in its
      discretion,  (i) in the name of the Guarantor, to collect and enforce, and
      to submit claims in respect of, Subordinated  Obligations and to apply any
      amounts received thereon to the Guaranteed  Obligations (including any and
      all Post  Petition  Interest),  and (ii) to require the  Guarantor  (A) to
      collect and  enforce,  and to submit  claims in respect  of,  Subordinated
      Obligations and (B) to pay any amounts received on such obligations to the
      Agent for application to the Guaranteed Obligations (including any and all
      Post Petition Interest).

      SECTION  7.06.  Continuing  Guaranty;  Assignments.  This  Guaranty  is  a
continuing  guaranty  and shall (a) remain in full  force and  effect  until the
later of the payment in full in cash of the Guaranteed Obligations and all other
amounts  payable under this Guaranty and the  Termination  Date,  (b) be binding
upon the  Guarantor,  its successors and assigns and (c) inure to the benefit of
and  be  enforceable  by  the  Agent  and  the  Lenders  and  their


                                       33
<PAGE>

successors,  transferees and assigns.  Without limiting the generality of clause
(c) of the immediately  preceding  sentence,  any Lender may assign or otherwise
transfer all or any portion of its rights and  obligations  under this Agreement
(including,  without  limitation,  all or any  portion of its  Commitments,  the
Advances owing to it and the Note or Notes held by it) to any other Person,  and
such other Person shall thereupon become vested with all the benefits in respect
thereof  granted to such Lender herein or otherwise,  in each case as and to the
extent  provided  in Section  9.07.  The  Guarantor  shall not have the right to
assign its rights  hereunder or any interest  herein  without the prior  written
consent of each of the Lenders.

                                  ARTICLE VIII

                                    THE AGENT

      SECTION 8.01.  Authorization  and Action.  Each Lender hereby appoints and
authorizes  the Agent to take such action as agent on its behalf and to exercise
such powers and discretion under this Agreement as are delegated to the Agent by
the terms  hereof,  together with such powers and  discretion as are  reasonably
incidental  thereto.  As to any  matters  not  expressly  provided  for by  this
Agreement  (including,  without  limitation,  enforcement  or  collection of the
Notes),  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 Required Lenders,  and such  instructions  shall be binding upon all Lenders
and all  holders  of  Notes;  provided,  however,  that the  Agent  shall not be
required to take any action that exposes the Agent to personal liability or that
is contrary to this  Agreement  or  applicable  law. The Agent agrees to give to
each Lender prompt notice of each notice given to it by any Loan Party  pursuant
to the terms of this Agreement.

      SECTION  8.02.  Agent's  Reliance,  Etc.  Neither the Agent nor any of its
directors, officers, agents or employees shall be liable for any action taken or
omitted to be taken by it or them under or in  connection  with this  Agreement,
except  for its or their own gross  negligence  or willful  misconduct.  Without
limitation of the  generality  of the  foregoing,  the Agent:  (i) may treat the
Lender that made any Advance as the holder of the Debt resulting therefrom until
the Agent  receives  and  accepts an  Assumption  Agreement  entered  into by an
Assuming  Lender as provided in Section  2.17 or an  Assignment  and  Acceptance
entered into by such Lender, as assignor, and an Eligible Assignee, as assignee,
as provided in Section  9.07;  (ii) may consult  with legal  counsel  (including
counsel for the Loan Parties),  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;  (iii) makes no warranty or representation to any Lender
and shall not be  responsible  to any Lender for any  statements,  warranties or
representations  (whether  written or oral) made in or in  connection  with this
Agreement;  (iv)  shall not have any duty to  ascertain  or to inquire as to the
performance,  observance  or  satisfaction  of any of the  terms,  covenants  or
conditions  of this  Agreement on the part of any Loan Party or the existence at
any time of any  Default or to inspect  the  property  (including  the books and
records) of any Loan Party;  (v) shall not be  responsible to any Lender for the
due execution, legality, validity, enforceability,  genuineness,  sufficiency or
value of this Agreement or any other instrument or document  furnished  pursuant
hereto;  and (vi) shall incur no liability under or in respect of this Agreement
by acting upon any notice,  consent,  certificate or other instrument or writing
(which may be by telecopier, telegram or telex) believed by it to be genuine and
signed or sent by the proper party or parties.

      SECTION 8.03. Citibank and Affiliates. With respect to its Commitment, the
Advances  made by it and any Note  issued to it,  Citibank  shall  have the same
rights and powers under this  Agreement 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  Citibank  in  its  individual
capacity.  Citibank and its Affiliates may accept  deposits from, lend money to,
act as trustee under indentures of, accept investment  banking  engagements from
and generally  engage in any kind of business with,  the  Guarantor,  any of its
Subsidiaries  and any Person who may do business  with or own  securities of the
Guarantor  or any such  Subsidiary,  all as if  Citibank  were not the Agent and
without  any duty to account  therefor to the  Lenders.  The Agent shall have no
duty to disclose information obtained or received by it or any of its Affiliates
relating to the Guarantor or its Subsidiaries to the extent such information was
obtained or received in any capacity other than as Agent.


                                       34
<PAGE>

      SECTION 8.04.  Lender Credit Decision.  Each Lender  acknowledges  that it
has,  independently  and without reliance upon the Agent or any other Lender and
based on the  financial  statements  referred to in Section  4.01 and such other
documents  and  information  as it has deemed  appropriate,  made its own credit
analysis  and  decision  to  enter  into  this   Agreement.   Each  Lender  also
acknowledges that it will,  independently and without reliance upon the Agent or
any other Lender and based on such  documents and  information  as it shall deem
appropriate at the time,  continue to make its own credit decisions in taking or
not taking action under this Agreement.

      SECTION  8.05.  Indemnification.  The Lenders agree to indemnify the Agent
(to the  extent not  reimbursed  by the  Borrowers),  ratably  according  to the
respective principal amounts of the Advances then owed to each of them (or if no
Advances  are at the  time  outstanding,  ratably  according  to the  respective
amounts  of  their  Commitments),  from  and  against  any and all  liabilities,
obligations,  losses,  damages,  penalties,  actions,  judgments,  suits, costs,
expenses or disbursements  of any kind or nature  whatsoever that may be imposed
on, incurred by, or asserted against the Agent in any way relating to or arising
out of this  Agreement  or any action  taken or omitted by the Agent  under this
Agreement (collectively, the "Indemnified Costs"), provided that no Lender shall
be liable for any portion of the  Indemnified  Costs  resulting from the Agent's
gross  negligence or willful  misconduct.  Without  limitation of the foregoing,
each Lender agrees to reimburse  the Agent  promptly upon demand for its ratable
share of any out-of-pocket expenses (including reasonable counsel fees) incurred
by  the  Agent  in  connection  with  the  preparation,   execution,   delivery,
administration,   modification,   amendment  or  enforcement   (whether  through
negotiations,  legal proceedings or otherwise) of, or legal advice in respect of
rights or responsibilities  under, this Agreement,  to the extent that the Agent
is not  reimbursed  for  such  expenses  by the  Borrowers.  In the  case of any
investigation,  litigation or proceeding  giving rise to any Indemnified  Costs,
this  Section  8.05  applies  whether  any  such  investigation,  litigation  or
proceeding is brought by the Agent, any Lender or a third party.

      SECTION 8.06.  Successor Agent. The Agent may resign at any time by giving
written  notice  thereof to the Lenders and the  Borrowers and may be removed at
any  time  with  or  without  cause  by the  Required  Lenders.  Upon  any  such
resignation or removal,  the Required  Lenders shall have the right to appoint a
successor Agent from among the Lenders with the consent,  so long as no Event of
Default has occurred and is continuing, of the Guarantor, which consent will not
be  unreasonably  withheld or delayed.  If no successor Agent shall have been so
appointed by the Required  Lenders,  and shall have accepted  such  appointment,
within 30 days after the retiring Agent's giving of notice of resignation or the
Required Lenders' removal of the retiring Agent, then the retiring Agent may, on
behalf of the Lenders,  appoint a successor Agent,  which shall be a Lender that
is a commercial bank organized under the laws of the United States of America or
of any State  thereof  and having a  combined  capital  and  surplus of at least
$500,000,000.  Upon the acceptance of any  appointment  as Agent  hereunder by a
successor  Agent,  such successor  Agent shall  thereupon  succeed to and become
vested with all the rights,  powers,  discretion,  privileges  and duties of the
retiring  Agent,  and the retiring Agent shall be discharged from its duties and
obligations  under this  Agreement.  After any retiring  Agent's  resignation or
removal  hereunder as Agent,  the provisions of this Article VIII shall inure to
its  benefit as to any  actions  taken or omitted to be taken by it while it was
Agent under this Agreement.

      SECTION 8.07.  Sub-Agent.  The Sub-Agent  has been  designated  under this
Agreement to carry out duties of the Agent.  The  Sub-Agent  shall be subject to
each of the obligations in this Agreement to be performed by the Sub-Agent,  and
each of the  Borrowers  and the  Lenders  agrees  that  the  Sub-Agent  shall be
entitled  to  exercise  each of the rights and shall be  entitled to each of the
benefits of the Agent under this  Agreement as relate to the  performance of its
obligations hereunder.

      SECTION 8.08. Other Agents.  Each Lender hereby  acknowledges that neither
the  documentation  agent nor any other Lender  designated as any "Agent" on the
signature pages hereof (other than the Agent) has any liability  hereunder other
than in its capacity as a Lender.


                                       35
<PAGE>

                                   ARTICLE IX

                                  MISCELLANEOUS

      SECTION 9.01. Amendments,  Etc. No amendment or waiver of any provision of
this  Agreement  or the Notes,  nor consent to any  departure  by any Loan Party
therefrom,  shall in any event be effective  unless the same shall be in writing
and signed by the  Required  Lenders,  and then such waiver or consent  shall be
effective only in the specific  instance and for the specific  purpose for which
given; provided,  however, that no amendment, waiver or consent shall, unless in
writing and signed by all the Lenders, do any of the following: (a) waive any of
the conditions  specified in Section 3.01,  (b) increase the  Commitments of the
Lenders,  (c) reduce the  principal of, or interest on, the Advances or any fees
or other amounts payable hereunder,  (d) postpone any date fixed for any payment
of  principal  of, or interest  on, the  Advances  or any fees or other  amounts
payable  hereunder,  (e)  change the  percentage  of the  Commitments  or of the
aggregate  unpaid  principal  amount of the Advances,  or the number of Lenders,
that  shall  be  required  for the  Lenders  or any of them to take  any  action
hereunder,  (f)  amend  the  definition  of  "Committed  Currencies"  to add any
additional currency,  (g) reduce or limit the obligations of the Guarantor under
Section  7.01 or  release  the  Guarantor  or  otherwise  limit the  Guarantor's
liability  with  respect to the  obligations  owing to the Agent and the Lenders
under Article VII or (h) amend this Section 9.01;  and provided  further that no
amendment, waiver or consent shall, unless in writing and signed by the Agent in
addition to the Lenders required above to take such action, affect the rights or
duties of the Agent under this Agreement or any Note.

      SECTION 9.02. Notices, Etc. All notices and other communications  provided
for hereunder shall be in writing  (including  telecopier,  telegraphic or telex
communication) and mailed, telecopied,  telegraphed, telexed or delivered, if to
Loan  Parties,  at the  address  of the  Guarantor  at One East  Weaver  Street,
Greenwich, Connecticut 06831, Attention: Eric Huttner; if to any Initial Lender,
at its Domestic Lending Office specified opposite its name on Schedule I hereto;
if to any  other  Lender,  at  its  Domestic  Lending  Office  specified  in the
Assumption  Agreement  or the  Assignment  and  Acceptance  pursuant to which it
became a Lender;  and if to the Agent,  at its  address  at Two Penns  Way,  New
Castle, Delaware 19720, Attention: Bank Loan Syndications Department;  or, as to
any Loan Party or the Agent,  at such other  address as shall be  designated  by
such party in a written notice to the other parties and, as to each other party,
at such other address as shall be  designated by such party in a written  notice
to the Borrowers and the Agent. All such notices and communications  shall, when
mailed,  telecopied,  telegraphed or telexed, be effective when deposited in the
mails,  telecopied,  delivered  to the  telegraph  company or confirmed by telex
answerback,  respectively,  except that notices and  communications to the Agent
pursuant to Article II, III or VIII shall not be effective until received by the
Agent.  Delivery by  telecopier of an executed  counterpart  of any amendment or
waiver of any provision of this  Agreement or the Notes or of any Exhibit hereto
to be executed  and  delivered  hereunder  shall be  effective  as delivery of a
manually executed counterpart thereof.

      SECTION 9.03. No Waiver; Remedies. No failure on the part of any Lender or
the Agent to exercise, and no delay in exercising,  any right hereunder or under
any Note  shall  operate  as a waiver  thereof;  nor shall any single or partial
exercise of any such right preclude any other or further exercise thereof or the
exercise of any other right. The remedies herein provided are cumulative and not
exclusive of any remedies provided by law.

      SECTION 9.04. Costs and Expenses. (a) The Borrowers agree to pay on demand
all  costs  and  expenses  of the  Agent in  connection  with  the  preparation,
execution,  delivery,   administration,   modification  and  amendment  of  this
Agreement,  the  Notes  and  the  other  documents  to be  delivered  hereunder,
including,  without limitation,  (A) all due diligence,  syndication  (including
printing,   distribution   and   bank   meetings),   transportation,   computer,
duplication,  appraisal,  consultant,  and audit expenses and (B) the reasonable
fees and expenses of counsel for the Agent with respect thereto and with respect
to  advising  the  Agent  as to  its  rights  and  responsibilities  under  this
Agreement.  The Borrowers  further agree to pay on demand all costs and expenses
of the Agent and the Lenders, if any (including, without limitation,  reasonable
fees and  expenses of outside  counsel and the  allocated  costs and expenses of
in-house  counsel),   in  connection  with  the  enforcement   (whether  through
negotiations,  legal proceedings or otherwise) of this Agreement,  the Notes and
the other documents to be delivered  hereunder,  including,  without limitation,
reasonable  fees and  expenses  of  counsel  for the  Agent  and each  Lender in
connection with the enforcement of rights under this Section 9.04(a).

      (b) The Borrowers  agree to indemnify and hold harmless the Agent and each
Lender and each of their  Affiliates and their officers,  directors,  employees,
agents and advisors (each, an "Indemnified  Party") from and against any and all
claims,   damages,   losses,   liabilities  and  expenses  (including,   without
limitation,  reasonable fees and expenses of counsel) incurred by or asserted or
awarded  against  any  Indemnified  Party,  in each  case  arising  out of or in
connection with or by reason of (including,  without  limitation,  in connection
with any investigation,  litigation or proceeding or preparation of a defense in
connection  therewith) (i) the Notes,  this


                                       36
<PAGE>

Agreement, any of the transactions contemplated herein or the actual or proposed
use of the  proceeds of the  Advances or (ii) the actual or alleged  presence of
hazardous  materials on any property of the Guarantor or any of its Subsidiaries
or any  Environmental  Action relating in any way to the Guarantor or any of its
Subsidiaries,  except to the extent  such  claim,  damage,  loss,  liability  or
expense is found in a final,  non-appealable  judgment  by a court of  competent
jurisdiction to have resulted from such Indemnified  Party's gross negligence or
willful  misconduct.  In the  case  of an  investigation,  litigation  or  other
proceeding  to  which  the  indemnity  in this  Section  9.04(b)  applies,  such
indemnity shall be effective  whether or not such  investigation,  litigation or
proceeding  is  brought  by any Loan  Party,  its  directors,  equityholders  or
creditors  or an  Indemnified  Party or any  other  Person,  whether  or not any
Indemnified  Party  is  otherwise  a  party  thereto  and  whether  or  not  the
transactions  contemplated  hereby are consummated.  The Loan Parties also agree
not to assert any claim for special, indirect, consequential or punitive damages
against  the  Agent,  any  Lender,  any of  their  Affiliates,  or any of  their
respective directors,  officers, employees,  attorneys and agents, on any theory
of liability, arising out of or otherwise relating to the Notes, this Agreement,
any of the transactions contemplated herein or the actual or proposed use of the
proceeds of the Advances.

      (c) If any payment of principal  of, or  Conversion  of, any  Eurocurrency
Rate Advance is made by any Borrower to or for the account of a Lender (i) other
than on the last day of the Interest  Period for such Advance,  as a result of a
payment or Conversion  pursuant to Section 2.07,  2.09 or 2.11,  acceleration of
the maturity of the Notes  pursuant to Section 6.01 or for any other reason,  or
by an Eligible  Assignee to a Lender  other than on the last day of the Interest
Period for such Advance upon an assignment of rights and obligations  under this
Agreement  pursuant  to  Section  9.07 as a result of a demand by the  Guarantor
pursuant  to  Section  9.07(a)  or (ii) as a result of a payment  or  Conversion
pursuant to Section 2.07, 2.09 or 2.11, the Borrower of such Advance shall, upon
demand by such  Lender  (with a copy of such  demand to the  Agent),  pay to the
Agent for the  account of such Lender any amounts  required to  compensate  such
Lender for any additional losses, costs or expenses that it may reasonably incur
as a result of such payment or Conversion,  including,  without limitation,  any
loss (including loss of anticipated profits), cost or expense incurred by reason
of the  liquidation or  reemployment  of deposits or other funds acquired by any
Lender to fund or maintain such Advance. If the amount of the Committed Currency
purchased by any Lender in the case of a  Conversion  or exchange of Advances in
the case of Section  2.07 or 2.11  exceeds  the sum  required  to  satisfy  such
Lender's  liability in respect of such Advances,  such Lender agrees to remit to
the applicable Borrower such excess.

      (d)  Without  prejudice  to the  survival  of any other  agreement  of the
Borrowers  hereunder,  the agreements and obligations of the Borrowers contained
in Sections 2.10,  2.13 and 9.04 shall survive the payment in full of principal,
interest and all other amounts payable hereunder and under the Notes.

      SECTION 9.05.  Right of Set-off.  Upon (i) the  occurrence  and during the
continuance  of any Event of Default  and (ii) the making of the  request or the
granting of the consent  specified  by Section  6.01 to  authorize  the Agent to
declare the Notes due and payable  pursuant to the  provisions  of Section 6.01,
each Lender and each of its Affiliates is hereby authorized at any time and from
time to time, to the fullest  extent  permitted by law, 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 or such
Affiliate to or for the credit or the account of any Loan Party  against any and
all of the  obligations of such Loan Party now or hereafter  existing under this
Agreement  and any Note held by such  Lender,  whether or not such Lender  shall
have  made any  demand  under  this  Agreement  or such Note and  although  such
obligations  may be  unmatured.  Each  Lender  agrees  promptly  to  notify  the
applicable Loan Party after any such set-off and application,  provided that the
failure to give such notice  shall not affect the  validity of such  set-off and
application. The rights of each Lender and its Affiliates under this Section are
in addition to other rights and remedies (including,  without limitation,  other
rights of set-off) that such Lender and its Affiliates may have.

      SECTION 9.06. Binding Effect. This Agreement shall become effective (other
than Section 2.01,  which shall only become  effective upon  satisfaction of the
conditions precedent set forth in Section 3.01) when it shall have been executed
by each Loan Party and the Agent and when the Agent shall have been  notified by
each  Initial  Lender that such Initial  Lender has  executed it and  thereafter
shall be binding  upon and inure to the benefit of the Loan  Parties,  the Agent
and each Lender and their respective successors and assigns, except that no Loan
Party shall have the right to assign its rights hereunder or any interest herein
without the prior written consent of each of the Lenders.


                                       37
<PAGE>

      SECTION 9.07. Assignments and Participations.  (a) Each Lender may and, if
demanded by the Guarantor (following a demand by such Lender pursuant to Section
2.10 or 2.13) upon at least five  Business  Days'  notice to such Lender and the
Agent,  will  assign to one or more  Persons  all or a portion of its rights and
obligations  under  this  Agreement  (including,  without  limitation,  all or a
portion of its  Commitment,  the Advances owing to it and the Note or Notes held
by it); provided, however, that (i) each such assignment shall be of a constant,
and  not a  varying,  percentage  of  all  rights  and  obligations  under  this
Agreement,  (ii)  except  in  the  case  of  an  assignment  to a  Person  that,
immediately prior to such assignment,  was a Lender or an assignment of all of a
Lender's  rights  and  obligations  under  this  Agreement,  the  amount  of the
Commitment  of the  assigning  Lender  being  assigned  pursuant  to  each  such
assignment  (determined as of the date of the  Assignment  and  Acceptance  with
respect to such  assignment)  shall in no event be less than  $10,000,000  or an
integral  multiple of $1,000,000 in excess  thereof unless the Guarantor and the
Agent  otherwise  agree,  (iii)  each such  assignment  shall be to an  Eligible
Assignee,  (iv)  each  such  assignment  made as a  result  of a  demand  by the
Guarantor  pursuant to this Section  9.07(a)  shall be arranged by the Guarantor
after  consultation  with the Agent and shall be either an  assignment of all of
the rights and  obligations  of the assigning  Lender under this Agreement or an
assignment of a portion of such rights and obligations  made  concurrently  with
another such assignment or other such assignments that together cover all of the
rights and  obligations  of the assigning  Lender under this  Agreement,  (v) no
Lender shall be obligated to make any such assignment as a result of a demand by
the  Guarantor  pursuant to this  Section  9.07(a)  unless and until such Lender
shall have  received one or more  payments  from either the  Borrowers or one or
more Eligible  Assignees in an aggregate  amount at least equal to the aggregate
outstanding principal amount of the Advances owing to such Lender, together with
accrued interest thereon to the date of payment of such principal amount and all
other amounts  payable to such Lender under this  Agreement and (vi) the parties
to each  such  assignment  shall  execute  and  deliver  to the  Agent,  for its
acceptance and recording in the Register, an Assignment and Acceptance, together
with any Note subject to such assignment and a processing and recordation fee of
$3,500, payable by the parties to each such assignment,  provided, however, that
in the case of each  assignment  made as a result of a demand by the  Guarantor,
such  recordation  fee shall be payable  by the  Guarantor  except  that no such
recordation  fee  shall  be  payable  in the case of an  assignment  made at the
request of the  Guarantor to an Eligible  Assignee  that is an existing  Lender.
Upon such  execution,  delivery,  acceptance and  recording,  from and after the
effective date specified in each  Assignment  and  Acceptance,  (x) the assignee
thereunder  shall  be a  party  hereto  and,  to  the  extent  that  rights  and
obligations  hereunder have been assigned to it pursuant to such  Assignment and
Acceptance,  have the rights and  obligations of a Lender  hereunder and (y) the
Lender  assignor  thereunder  shall,  to the extent that rights and  obligations
hereunder have been assigned by it pursuant to such  Assignment and  Acceptance,
relinquish  its rights (other than its rights under Section 2.10,  2.13 and 9.04
to the  extent  any claim  thereunder  relates  to an event  arising  prior such
assignment) and be released from its  obligations  under this Agreement (and, in
the case of an Assignment and Acceptance  covering all or the remaining  portion
of an assigning  Lender's  rights and  obligations  under this  Agreement,  such
Lender shall cease to be a party hereto).

      (b) By executing and delivering an Assignment and  Acceptance,  the Lender
assignor  thereunder and the assignee  thereunder confirm to and agree with each
other and the other  parties  hereto as  follows:  (i) other than as provided in
such Assignment and Acceptance, such assigning Lender makes no representation or
warranty  and  assumes  no  responsibility   with  respect  to  any  statements,
warranties or  representations  made in or in connection  with this Agreement or
the execution, legality, validity, enforceability,  genuineness,  sufficiency or
value of this Agreement or any other instrument or document  furnished  pursuant
hereto;  (ii) such  assigning  Lender  makes no  representation  or warranty and
assumes no  responsibility  with respect to the financial  condition of any Loan
Party  or  the  performance  or  observance  by  any  Loan  Party  of any of its
obligations  under this Agreement or any other instrument or document  furnished
pursuant  hereto;  (iii) such  assignee  confirms that it has received a copy of
this Agreement,  together with copies of the financial statements referred to in
Section  4.01  and  such  other  documents  and  information  as it  has  deemed
appropriate  to make its own credit  analysis  and  decision  to enter into such
Assignment and Acceptance;  (iv) such assignee will,  independently  and without
reliance upon the Agent,  such assigning Lender or any other Lender and based on
such  documents  and  information  as it shall  deem  appropriate  at the  time,
continue to make its own credit  decisions in taking or not taking  action under
this Agreement; (v) such assignee confirms that it is an Eligible Assignee; (vi)
such assignee  appoints and authorizes the Agent to take such action as agent on
its behalf and to exercise such powers and  discretion  under this  Agreement as
are  delegated to the Agent by the terms  hereof,  together with such powers and
discretion as are reasonably  incidental thereto; and (vii) such assignee agrees
that it will perform in accordance with their terms all of the obligations  that
by the terms of this Agreement are required to be performed by it as a Lender.


                                       38
<PAGE>

      (c) Upon its  receipt  of an  Assignment  and  Acceptance  executed  by an
assigning Lender and an assignee  representing that it is an Eligible  Assignee,
together with any Note or Notes subject to such assignment,  the Agent shall, if
such  Assignment and Acceptance has been completed and is in  substantially  the
form of Exhibit C hereto, (i) accept such Assignment and Acceptance, (ii) record
the information  contained  therein in the Register and (iii) give prompt notice
thereof to the Borrowers.

      (d) The Agent shall maintain at its address  referred to in Section 9.02 a
copy of each Assumption  Agreement and each Assignment and Acceptance  delivered
to and  accepted  by it and a  register  for the  recordation  of the  names and
addresses  of the Lenders and the  Commitment  of, and  principal  amount of the
Advances owing to, each Lender from time to time (the  "Register").  The entries
in the  Register  shall be  conclusive  and  binding  for all  purposes,  absent
manifest  error,  and each Loan Party,  the Agent and the Lenders may treat each
Person  whose name is recorded in the  Register  as a Lender  hereunder  for all
purposes of this  Agreement.  The Register  shall be available for inspection by
any Loan Party or any Lender at any  reasonable  time and from time to time upon
reasonable prior notice.

      (e) Each  Lender  may sell  participations  to one or more  banks or other
entities  (other than the Guarantor or any of its  Affiliates) in or to all or a
portion of its rights and obligations under this Agreement  (including,  without
limitation, all or a portion of its Commitment, the Advances owing to it and any
Note or Notes held by it); provided, however, that (i) such Lender's obligations
under this  Agreement  (including,  without  limitation,  its  Commitment to the
Borrowers  hereunder)  shall  remain  unchanged,  (ii) such Lender  shall remain
solely  responsible  to the other  parties  hereto for the  performance  of such
obligations,  (iii) such Lender shall remain the holder of any such Note for all
purposes of this Agreement,  (iv) the Borrowers, the Agent and the other Lenders
shall  continue to deal solely and directly with such Lender in connection  with
such Lender's rights and obligations under this Agreement and (v) no participant
under any such  participation  shall have any right to approve any  amendment or
waiver of any  provision of this  Agreement  or any Note,  or any consent to any
departure by any Loan Party therefrom, except to the extent that such amendment,
waiver or consent  would reduce the  principal  of, or interest on, the Notes or
any fees or other amounts payable hereunder,  in each case to the extent subject
to such  participation,  or postpone any date fixed for any payment of principal
of, or interest on, the Notes or any fees or other amounts payable hereunder, in
each case to the extent  subject to such  participation,  or reduce or limit the
obligations  of the Guarantor  under Section 7.01 or release the Guarantor  from
its obligations under Article VII.

      (f) Any Lender may, in connection with any assignment or  participation or
proposed assignment or participation  pursuant to this Section 9.07, disclose to
the assignee or participant or proposed assignee or participant, any information
relating  to the  Guarantor  furnished  to such  Lender  by or on  behalf of the
Guarantor;  provided  that,  prior  to any  such  disclosure,  the  assignee  or
participant  or proposed  assignee or  participant  shall agree to preserve  the
confidentiality  of any  Confidential  Information  relating  to  the  Guarantor
received by it from such Lender.

      (g) Notwithstanding  any other provision set forth in this Agreement,  any
Lender may at any time  create a security  interest in all or any portion of its
rights under this Agreement (including,  without limitation,  the Advances owing
to it and any Note or Notes held by it) in favor of any Federal  Reserve Bank in
accordance  with  Regulation A of the Board of Governors of the Federal  Reserve
System.

      SECTION  9.08.  Confidentiality.  Neither  the Agent nor any Lender  shall
disclose any Confidential Information to any other Person without the consent of
the  Guarantor,  other than (a) to the Agent's or such Lender's  Affiliates  and
their officers,  directors,  employees, agents and advisors and, as contemplated
by Section 9.07(f),  to actual or prospective  assignees and  participants,  and
then  only  on a  confidential  basis,  (b) as  required  by any  law,  rule  or
regulation  or  judicial  process,  (c) as  requested  or required by any state,
federal or foreign authority or examiner  regulating banks or banking and (d) in
connection  with the exercise of any remedies  hereunder or any suit,  action or
proceeding relating to this Agreement or the enforcement of rights hereunder.

      SECTION  9.09.  Governing  Law.  This  Agreement  and the  Notes  shall be
governed by, and  construed  in  accordance  with,  the laws of the State of New
York.

      SECTION 9.10. Execution in 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


                                       39
<PAGE>

deemed to be an original and all of which taken  together  shall  constitute one
and the same agreement.  Delivery of an executed counterpart of a signature page
to this  Agreement  by  telecopier  shall be effective as delivery of a manually
executed counterpart of this Agreement.

      SECTION 9.11.  Judgment.  (a) If for the purposes of obtaining judgment in
any court it is necessary to convert a sum due hereunder in Dollars into another
currency,  the  parties  hereto  agree,  to the  fullest  extent  that  they may
effectively  do so,  that the rate of  exchange  used  shall be that at which in
accordance with normal banking  procedures the Agent could purchase Dollars with
such  other  currency  at  Citibank's  principal  office in London at 11:00 A.M.
(London  time) on the Business  Day  preceding  that on which final  judgment is
given.

      (b) If for the purposes of obtaining judgment in any court it is necessary
to convert a sum due hereunder in a Committed Currency into Dollars, the parties
agree to the fullest  extent that they may  effectively  do so, that the rate of
exchange  used  shall  be  that at  which  in  accordance  with  normal  banking
procedures  the Agent could  purchase  such  Committed  Currency with Dollars at
Citibank's  principal  office  in  London  at 11:00  A.M.  (London  time) on the
Business Day preceding that on which final judgment is given.

      (c) The  obligation  of the Borrowers in respect of any sum due from it in
any  currency  (the  "Primary  Currency")  to any Lender or the Agent  hereunder
shall, notwithstanding any judgment in any other currency, be discharged only to
the extent  that on the  Business  Day  following  receipt by such Lender or the
Agent  (as the case  may be),  of any sum  adjudged  to be so due in such  other
currency,  such Lender or the Agent (as the case may be) may in accordance  with
normal banking  procedures  purchase the applicable  Primary  Currency with such
other currency; if the amount of the applicable Primary Currency so purchased is
less than  such sum due to such  Lender or the Agent (as the case may be) in the
applicable Primary Currency,  the Borrowers agree, as a separate  obligation and
notwithstanding any such judgment, to indemnify such Lender or the Agent (as the
case may be)  against  such loss,  and if the amount of the  applicable  Primary
Currency so  purchased  exceeds  such sum due to any Lender or the Agent (as the
case may be) in the applicable  Primary  Currency,  such Lender or the Agent (as
the case may be) agrees to remit to the applicable Borrower such excess.

      SECTION  9.12.  Jurisdiction,  Etc. (a) Each of the parties  hereto hereby
irrevocably and  unconditionally  submits,  for itself and its property,  to the
nonexclusive  jurisdiction  of any New York State court or federal  court of the
United States of America  sitting in New York City, and any appellate court from
any  thereof,  in any action or  proceeding  arising  out of or relating to this
Agreement or the Notes, or for  recognition or enforcement of any judgment,  and
each of the parties hereto hereby  irrevocably and  unconditionally  agrees that
all  claims  in  respect  of any such  action  or  proceeding  may be heard  and
determined in any such New York State court or, to the extent  permitted by law,
in such federal court.  The Loan Parties hereby agree that service of process in
any such action or proceeding brought in the any such New York State court or in
such  federal  court may be made upon the  Guarantor  at its offices at One East
Weaver Street, Greenwich,  Connecticut 06831 Attention:  General Counsel and the
Loan Parties hereby  irrevocably  appoint the Guarantor its authorized  agent to
accept such service of process,  and agrees that the failure of the Guarantor to
give any notice of any such  service  shall not impair or affect the validity of
such  service or of any  judgment  rendered  in any action or  proceeding  based
thereon.  Each Loan Party hereby further irrevocably  consents to the service of
process in any action or proceeding in such courts by the mailing thereof by any
parties hereto by registered or certified mail,  postage  prepaid,  to such Loan
Party at its address  specified  pursuant to Section  9.02.  Each of the parties
hereto 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 provided by law.  Nothing in this Agreement shall affect any
right  that any  party may  otherwise  have to bring  any  action or  proceeding
relating to this Agreement or the Notes in the courts of any jurisdiction.

      (b) Each of the parties hereto irrevocably and unconditionally  waives, to
the fullest  extent it may legally and  effectively do so, any objection that it
may now or  hereafter  have to the  laying  of  venue  of any  suit,  action  or
proceeding  arising out of or relating to this Agreement or the Notes in any New
York State or federal  court.  Each of the  parties  hereto  hereby  irrevocably
waives,  to the fullest extent  permitted by law, the defense of an inconvenient
forum to the maintenance of such action or proceeding in any such court.

      SECTION  9.13.  Substitution  of  Currency.  If a change in any  Committed
Currency  occurs  pursuant to any  applicable  law,  rule or  regulation  of any
governmental,  monetary or multi-national  authority, this Agreement (including,
without limitation, the definitions of Eurocurrency Rate) will be amended to the
extent


                                       40
<PAGE>

determined  by the  Agent  (acting  reasonably  and  in  consultation  with  the
Guarantor)  to be  necessary  to reflect the change in  currency  and to put the
Lenders and the Borrowers in the same  position,  so far as possible,  that they
would have been in if no change in such Committed Currency had occurred.


                                       41
<PAGE>

      SECTION 9.14.  Waiver of Jury Trial.  Each of the Loan Parties,  the Agent
and the  Lenders  hereby  irrevocably  waives  all right to trial by jury in any
action,   proceeding  or  counterclaim  (whether  based  on  contract,  tort  or
otherwise)  arising  out of or relating  to this  Agreement  or the Notes or the
actions  of  the  Agent  or  any  Lender  in  the  negotiation,  administration,
performance or enforcement thereof.

      IN WITNESS  WHEREOF,  the parties  hereto have caused this Agreement to be
executed by their respective officers thereunto duly authorized,  as of the date
first above written.

                                        OMNICOM FINANCE INC., as Borrower

                                        By /s/ Dennis E. Hewitt
                                           -----------------------------------
                                           Title:  Director & Treasurer

                                        OMNICOM CAPITAL INC., as Borrower

                                        By  /s/ Dennis E. Hewitt
                                           -----------------------------------
                                           Title: President & CEO

                                        OMNICOM FINANCE PLC., as Borrower

                                        By  /s/ Dennis E. Hewitt
                                           -----------------------------------
                                           Title: Director

                                        By  /s/ Barry J. Wagner
                                           -----------------------------------
                                           Title: Director

                                        OMNICOM GROUP INC., as Guarantor

                                        By /s/ Dennis E. Hewitt
                                           -----------------------------------
                                           Title:  Treasurer

                                        CITIBANK, N.A., as Agent

                                        By /s/ Julio Ojea Quintana
                                           -----------------------------------
                                           Title:  Director


                                       42
<PAGE>

                                 Initial Lenders

Commitment
$100,000,000                            ABN AMRO BANK N.V.

                                        By /s/ Frances Logan
                                           -----------------------------------
                                           Title: Senior Vice President

                                        By /s/ David Carrington
                                           -----------------------------------
                                           Title: Group Vice President

$100,000,000                            CITIBANK, N.A.

                                        By /s/ Julio Ojea Quintana
                                           -----------------------------------
                                            Title: Director

$100,000,000                            HSBC BANK USA

                                        By /s/ Johan Sorensson
                                           -----------------------------------
                                           Title: First Vice President

$100,000,000                            JPMORGAN CHASE BANK

                                        By /s/ James L. Stone
                                           -----------------------------------
                                           Title: Managing Director

$100,000,000                            SOCIETE GENERALE

                                        By /s/ Elaine Khalil
                                           -----------------------------------
                                           Title: Director

$100,000,000                            WACHOVIA BANK, NATIONAL ASSOCIATION

                                        By /s/ Daniel Evans
                                           -----------------------------------
                                           Title: Managing Director

$30,000,000                             BARCLAYS BANK PLC

                                        By /s/ Nicholas Bell
                                           -----------------------------------
                                           Title: Director

$30,000,000                             BANCO BILBAO VIZCAYA ARGENTARIA

                                        By /s/ Hector O. Villegas
                                           -----------------------------------
                                           Title: Vice President

                                        By /s/ Erich Michel
                                           -----------------------------------
                                           Title: Vice President

$25,000,000                             BANK OF AMERICA, N.A.

                                        By /s/ John E. Williams
                                           -----------------------------------
                                           Title: Managing Director


                                       43
<PAGE>

$25,000,000                             U.S. BANK NATIONAL ASSOCIATION

                                        By /s/ John Franceschi
                                           -----------------------------------
                                           Title: Vice President

$25,000,000                             FLEET NATIONAL BANK

                                        By /s/ Thomas J. Levy
                                           -----------------------------------
                                           Title: Senior Vice President

$25,000,000                             WESTPAC BANKING CORPORATION

                                        By /s/ Lisa Porter
                                           -----------------------------------
                                           Title: Vice President

$15,000,000                             THE NORTHERN TRUST COMPANY

                                        By /s/ Russell Rockenbach
                                           -----------------------------------
                                           Title: Vice President

$15,000,000                             SAN PAOLO IMI S.P.A.

                                        By /s/ Cathy Lesse
                                           -----------------------------------
                                           Title: Vice President

                                        By /s/ Robert Wurster
                                           -----------------------------------
                                           Title: Senior Vice President

$10,000,000                             THE BANK OF NOVA SCOTIA

                                        By /s/ Todd S. Meller
                                           -----------------------------------
                                           Title: Managing Director

                                        SCOTIABANK EUROPE PLC

                                        By /s/ L. Ruckstuhl
                                           -----------------------------------
                                           Title: Director

$800,000,000 Total of the Commitments


                                       44
<PAGE>

                                                                      SCHEDULE I
                                                                   OMNICOM GROUP
                                                     THREE YEAR CREDIT AGREEMENT
                                                      APPLICABLE LENDING OFFICES

<TABLE>
<CAPTION>
- -----------------------------------------------------------------------------------------------------------
          Name of Initial Lender       Domestic Lending Office           Eurodollar Lending Office
- -----------------------------------------------------------------------------------------------------------
- -----------------------------------------------------------------------------------------------------------
<S>                                    <C>                               <C>
ABN Amro Bank N.V.
- -----------------------------------------------------------------------------------------------------------
Banco Bilbao Vizcaya Argentaria
- -----------------------------------------------------------------------------------------------------------
Bank of America, N.A.
- -----------------------------------------------------------------------------------------------------------
The Bank of Nova Scotia                Attn: Victor Chevallier           Attn: Victor Chevallier
                                       T: 212 225-5064                   T: 212 225-5064
                                       F: 212 225-5145                   F: 212 225-5145
- -----------------------------------------------------------------------------------------------------------
Barclays Bank plc
- -----------------------------------------------------------------------------------------------------------
Citibank, N.A.                         Two Penns Way                     Two Penns Way
                                       New Castle, DE 19720              New Castle, DE 19720
                                       Attn: Timothy Smith               Attn: Timothy Smith
                                       T: 302 894-6059                   T: 302 894-6059
                                       F: 212 994-0961                   F: 212 994-0961
- -----------------------------------------------------------------------------------------------------------
Firstar Bank, N.A.
- -----------------------------------------------------------------------------------------------------------
Fleet National Bank
- -----------------------------------------------------------------------------------------------------------
HSBC Bank USA                          Attn: Marie Bax                   Attn: Marie Bax
                                       T: 716 841-5668                   T: 716 841-5668
                                       F: 716 841-0269                   F: 716 841-0269
- -----------------------------------------------------------------------------------------------------------
JPMorgan Chase Bank
- -----------------------------------------------------------------------------------------------------------
The Northern Trust Company
- -----------------------------------------------------------------------------------------------------------
San Paolo IMI S.p.A.                   245 Park Avenue, 35th Floor       245 Park Avenue, 35th Floor
                                       New York, NY 10167                New York, NY 10167
                                       Attn: Jerry Suarez                Attn: Jerry Suarez
                                       T: 212 692-3075                   T: 212 692-3075
                                       F: 212 692-3178                   F: 212 692-3178
- -----------------------------------------------------------------------------------------------------------
Societe Generale
- -----------------------------------------------------------------------------------------------------------
Wachovia Bank, National Association    201 South College Street, CP-17   201 South College Street, CP-17
                                       Charlotte, NC 28288               Charlotte, NC 28288
                                       Attn: Sharon Gibson               Attn: Sharon Gibson
                                       T: 704 715-7608                   T: 704 715-7608
                                       F: 704 374-2802                   F: 704 374-2802
- -----------------------------------------------------------------------------------------------------------
Westpac Banking Corporation
- -----------------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

                                SCHEDULE 3.01(b)

                              DISCLOSED LITIGATION

      On June 13, 2002, a lawsuit was filed against  Omnicom Group Inc.  ("OGI")
and certain of OGI's  senior  executives  in the federal  court in the  Southern
District of New York on behalf of a purported  class of purchasers of OGI common
shares during the period April 25, 2000 to June 11, 2002. The  executives  named
as defendants are OGI's  chairman,  chief  executive  officer,  chief  financial
officer and controller.  The complaint alleges,  among other things,  that OGI's
press  releases  and SEC  reports  during the  alleged  class  period  contained
materially  false  and  misleading  statements  or  omitted  to  state  material
information  relating  to (1) OGI's  calculation  of the  organic  component  of
period-to-period  revenue growth, (2) the formation of Seneca Investments LLC in
May 2001, and (3) the characterization of acquisition payments and the existence
and amount of OGI's future obligations in respect of acquisitions. The complaint
seeks an  unspecified  amount of money  damages plus  attorneys'  fees and other
costs.  Ten other  complaints were  subsequently  filed in the same court,  each
making similar  allegations and  referencing  the same class period.  All of the
cases are at a preliminary stage.

      In addition to the proceedings  described above, a shareholder  derivative
action was filed on June 28,  2002 in New York state court in New York City by a
plaintiff shareholder,  purportedly on OGI's behalf, against current and certain
former directors alleging breaches of fiduciary duty, disclosure failures, abuse
of control and gross  mismanagement  in connection with the formation of Seneca,
including  as a result  of  open-market  sales  of OGI  common  shares  by OGI's
chairman and two former employee  directors during the period August 2001 to May
2002.  The complaint  seeks the  imposition of a  constructive  trust on profits
received  in the  stock  sales,  an  unspecified  amount  of money  damages  and
attorneys' fees and other costs.

      The case names and numbers are as follows:

      1) Fisher v. Omnicom Group Inc., No. 02-CV-4483

      2) Black v. Omnicom Group Inc., No. 02-CV-4681

      3) Brody v. Omnicom Group Inc., No. 02-CV-4696

      4) Hoffman v. Omnicom Group Inc., No 02-CV-4697

      5) Kaminski v. Omnicom Group Inc., No. 02-CV-4878

      6) Garren v. Omnicom Group Inc., No. 02-CV-4912

      7) Lehan v. Omnicom Group Inc., No. 02-CV-4975

      8) Kim v. Omnicom Group Inc., No. 02-CV-4976

      9) Glynn v. Omnicom Group Inc., No. 02-CV-5096

      10) Mirken v. Omnicom Group Inc., No. 02-CV-5106

      11) Sorrentino v. Omnicom Group Inc., No. 02 Civ. 6311

      12) Guttman v. Omnicom Group Inc., No. 02 Civ. 6445

<PAGE>

                          SCHEDULES 5.02(a) AND 5.02(d)

                        EXISTING LIENS AND EXISTING DEBT

<TABLE>
<CAPTION>
                                                                            Amount Due
Subsidiary Borrower                        Lender(s)                        Each Lender        Total Debt
- -------------------                        --------                         -----------        ----------
<S>                                     <C>                                   <C>               <C>
DAS Brodeur                             Citizens Leasing Corp                 662,295
                                        CIT Group                             467,651
                                        Bankgroup                             366,200           1,496,146

DAS Case Dunlap                         De Lage Lander Financial               15,985              15,985

DAS Fleishman-Hillard                   JTA Capital  Leases                     9,532               9,532

DAS Gavin Anderson                      NEC Leasing                            33,007
                                        OBC Bank                               24,698
                                        Bank of Tokyo Mitsubishi              616,050
                                        Daimler Chrysler                       19,614             693,369

DAS GPC Domestic                        JTA Capital  Leases                    29,850              29,850

DAS Grizzard                            Xerox                                 135,989
                                        IBM Credit Corp.                      355,816             491,805

  DAS Matthews Media Group Inc.         NTFC Capital                           21,150
                                        Phone Lease                            37,841              58,991

  DAS MarketStar                        Lucent                                 78,400
                                        First Security                         85,777
                                        AT&T                                   31,167             195,344

  DAS National In-Store                 Advanta                                38,808
                                        Chesterfield                           21,519
                                        USBancorp                              80,918
                                        LPI                                    45,691             186,936

  DAS Russ Reid                         Water Factory Systems                   2,026               2,026

DAS Interbrand Corp.                    Key Equipment Finance                 493,379
                                        Ford Motor Credit                      32,883             526,262

DAS U30 Group                           Dryad                                  28,809              28,809

OMG ICON*                               JPMorgan Chase                      1,348,598           1,348,598

OMG Novus Print Media                   Integris                               70,298              70,298
                                                                           ----------          ----------
                TOTAL                                                      $5,153,951          $5,153,951
                                                                           ==========          ==========
</TABLE>

      In addition,  Omnicom Capital Inc. has indebtedness  outstanding under its
commercial paper program in the amount of $701,000,000 and indebtedness having a
maturity of one year or less with commercial banks in the amount of $50,000,000.
Omnicom  Finance  PLC has  $30,000,000  of  indebtedness  outstanding  under its
commercial paper program.

      Omnicom Finance PLC also has  indebtedness  outstanding  under the Amended
and Restated  Credit  Agreement  dated as of May 10, 1996,  and as  subsequently
amended  from  time  to  time,   among  the  Borrowers  and  certain   financial
institutions.

- ----------
* This debt is unsecured. All other obligations are capital leases.


                                       2
<PAGE>

                                                             EXHIBIT A - FORM OF
                                                                 PROMISSORY NOTE

U.S.$                                              Dated:             , 200_
     ----------------------                               -----------

      FOR VALUE RECEIVED,  the  undersigned,  [OMNICOM  FINANCE INC., a Delaware
corporation][OMNICOM  CAPITAL INC., a Connecticut  corporation][OMNICOM  FINANCE
PLC,  a  corporation  organized  under  the laws of  England  and  Wales],  (the
"Borrower"),  HEREBY  PROMISES TO PAY to the order of  _________________________
(the  "Lender")  for  the  account  of  its  Applicable  Lending  Office  on the
Termination Date (each as defined in the Credit Agreement referred to below) the
principal  sum of  U.S.$[amount  of the Lender's  Commitment  in figures] or, if
less, the aggregate  principal  amount of the Advances made by the Lender to the
Borrower  pursuant to the Three Year Credit  Agreement  dated as of November 14,
2002 among the Borrowers  referred to therein  (including the undersigned),  the
Lender and certain other lenders parties thereto,  Salomon Smith Barney Inc. and
ABN AMRO Incorporated,  as lead arrangers and book managers, ABN AMRO Bank N.V.,
as syndication  agent,  HSBC Bank USA, Wachovia Bank,  National  Association and
Societe Generale, as documentation  agents, and Citibank,  N.A. as Agent for the
Lender and such other  lenders (as amended or  modified  from time to time,  the
"Credit  Agreement";  the terms  defined  therein  being used  herein as therein
defined) outstanding on the Termination Date.

      The Borrower  promises to pay interest on the unpaid  principal  amount of
each Advance from the date of such Advance until such  principal  amount is paid
in full,  at such  interest  rates,  and at such times,  as are specified in the
Credit Agreement.

      Both  principal and interest in respect of each Advance (i) in Dollars are
payable  in lawful  money of the  United  States of  America to the Agent at its
account  maintained at 388 Greenwich  Street,  New York, New York 10013, in same
day funds and (ii) in any Committed Currency are payable in such currency at the
applicable Payment Office in same day funds. Each Advance owing to the Lender by
the Borrower pursuant to the Credit Agreement,  and all payments made on account
of principal thereof, shall be recorded by the Lender and, prior to any transfer
hereof,  endorsed on the grid attached  hereto which is part of this  Promissory
Note.

      This  Promissory  Note shall be governed by, and  construed in  accordance
with, the laws of the State of New York.

      This  Promissory  Note is one of the Notes referred to in, and is entitled
to the  benefits of, the Credit  Agreement.  The Credit  Agreement,  among other
things,  (i)  provides  for the making of Advances by the Lender to the Borrower
from time to time in an aggregate amount not to exceed at any time  outstanding,
subject to Section  2.09(b) of the Credit  Agreement,  103% of the Dollar amount
first above mentioned, the indebtedness of the Borrower resulting from each such
Advance being  evidenced by this Promissory  Note, (ii) contains  provisions for
determining  the  Dollar   Equivalent  of  Advances   denominated  in  Committed
Currencies and (iii) contains provisions for acceleration of the maturity hereof
upon the happening of certain stated events and also for  prepayments on account
of principal  hereof prior to the maturity  hereof upon the terms and conditions
therein specified.

                                          [OMNICOM FINANCE INC.]
                                          [OMNICOM CAPITAL INC.]
                                          [OMNICOM FINANCE PLC]

                                          By
                                             -----------------------------
                                             Title:


                                       3
<PAGE>

                       ADVANCES AND PAYMENTS OF PRINCIPAL

<TABLE>
<CAPTION>
- -----------------------------------------------------------------------------------------------------------------
                                                    Amount of
           Date                Amount of         Principal Paid       Unpaid Principal          Notation
                                Advance            or Prepaid             Balance                Made By
- -----------------------------------------------------------------------------------------------------------------
          <S>                  <C>                <C>                   <C>                     <C>

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------

- -----------------------------------------------------------------------------------------------------------------
</TABLE>


                                       4
<PAGE>

                                                   EXHIBIT B - FORM OF NOTICE OF
                                                                       BORROWING

Citibank, N.A., as Agent
  for the Lenders parties
  to the Credit Agreement
  referred to below
  Two Penns Way
  New Castle, Delaware 19720

                                     [Date]

                  Attention: Bank Loan Syndications Department

Ladies and Gentlemen:

      The undersigned,  [Omnicom  Finance  Inc.][Omnicom  Capital  Inc.][Omnicom
Finance plc], (the "Borrower"), refers to the Three Year Credit Agreement, dated
as of November 14, 2002 (as amended or modified  from time to time,  the "Credit
Agreement",  the terms defined  therein  being used herein as therein  defined),
among the Borrowers  referred to therein  (including the  undersigned),  certain
Lenders parties thereto, Salomon Smith Barney Inc. and ABN AMRO Incorporated, as
lead arrangers and book managers, ABN AMRO Bank N.V., as syndication agent, HSBC
Bank  USA,  Wachovia  Bank,  National  Association  and  Societe  Generale,   as
documentation agents, and Citibank,  N.A., as Agent for said Lenders, and hereby
gives you notice, irrevocably,  pursuant to Section 2.02 of the Credit Agreement
that the undersigned hereby requests a Borrowing under the Credit Agreement, and
in that connection  sets forth below the information  relating to such Borrowing
(the  "Proposed  Borrowing")  as  required  by  Section  2.02(a)  of the  Credit
Agreement:

            (i) The Business Day of the Proposed  Borrowing is  _______________,
      200_.

            (ii) The Type of Advances comprising the Proposed Borrowing is [Base
      Rate Advances] [Eurocurrency Rate Advances].

            (iii)  The   aggregate   amount  of  the   Proposed   Borrowing   is
      $_______________][for  a Borrowing in a Committed Currency,  list currency
      and amount of Borrowing].

            [(iv) The initial Interest Period for each Eurocurrency Rate Advance
      made as part of the  Proposed  Borrowing  is _____  month[s].  [If nine or
      twelve months is selected,  specify alternate Interest Period of one, two,
      three or six months.]

      The undersigned hereby certifies that the following statements are true on
the date hereof, and will be true on the date of the Proposed Borrowing:

            (A) the representations and warranties  contained in Section 4.01 of
      the Credit  Agreement  (except the  representations  set forth in the last
      sentence of subsection (e) thereof and in subsection  (f)(i) thereof)) are
      correct,  before and after giving effect to the Proposed  Borrowing and to
      the  application  of the proceeds  therefrom,  as though made on and as of
      such date; and


<PAGE>

            (B) no event has  occurred and is  continuing,  or would result from
      such Proposed Borrowing or from the application of the proceeds therefrom,
      that constitutes a Default.

                                          Very truly yours,

                                          [OMNICOM FINANCE INC.]
                                          [OMNICOM CAPITAL INC.]
                                          [OMNICOM FINANCE PLC]

                                          By
                                             ----------------------------
                                             Title:


                                       2
<PAGE>

                                                             EXHIBIT C - FORM OF
                                                       ASSIGNMENT AND ACCEPTANCE

      Reference is made to the Three Year Credit  Agreement dated as of November
14,  2002 (as  amended or modified  from time to time,  the "Credit  Agreement")
among Omnicom  Finance Inc.,  Omnicom  Capital Inc. and Omnicom Finance plc (the
"Borrowers"),  Omnicom Group Inc. (the "Guarantor"),  the Lenders (as defined in
the Credit Agreement),  Salomon Smith Barney Inc. and ABN AMRO Incorporated,  as
lead arrangers and book managers, ABN AMRO Bank N.V., as syndication agent, HSBC
Bank  USA,  Wachovia  Bank,  National  Association  and  Societe  Generale,   as
documentation  agents,  and  Citibank,  N.A.,  as  agent  for the  Lenders  (the
"Agent").  Terms  defined in the Credit  Agreement are used herein with the same
meaning.

      The "Assignor"  and the "Assignee"  referred to on Schedule I hereto agree
as follows:

      1. The Assignor hereby sells and assigns to the Assignee, and the Assignee
hereby  purchases  and  assumes  from the  Assignor,  an  interest in and to the
Assignor's  rights and  obligations  under the Credit  Agreement  as of the date
hereof equal to the  percentage  interest  specified on Schedule 1 hereto of all
outstanding  rights and  obligations  under the Credit  Agreement.  After giving
effect to such sale and assignment,  the Assignee's Commitment and the amount of
the Advances owing to the Assignee will be as set forth on Schedule 1 hereto.

      2. The  Assignor  (i)  represents  and  warrants  that it is the legal and
beneficial  owner of the interest  being  assigned by it hereunder and that such
interest is free and clear of any adverse claim; (ii) makes no representation or
warranty  and  assumes  no  responsibility   with  respect  to  any  statements,
warranties or representations made in or in connection with the Credit Agreement
or the execution, legality, validity, enforceability,  genuineness,  sufficiency
or value of the Credit Agreement or any other  instrument or document  furnished
pursuant  thereto;  (iii) makes no  representation  or  warranty  and assumes no
responsibility  with respect to the financial condition of any Loan Party or the
performance or observance by any Loan Party of any of its obligations  under the
Credit Agreement or any other instrument or document furnished pursuant thereto;
and (iv)  attaches the Note[,  if any,] held by the Assignor  [and requests that
the  Agent  exchange  such  Note for a new  Note  payable  to the  order of [the
Assignee in an amount equal to the Commitment  assumed by the Assignee  pursuant
hereto or new Notes  payable to the order of the  Assignee in an amount equal to
the Commitment  assumed by the Assignee  pursuant hereto and] the Assignor in an
amount  equal to the  Commitment  retained  by the  Assignor  under  the  Credit
Agreement[, respectively,] as specified on Schedule 1 hereto].

      3. The  Assignee  (i)  confirms  that it has received a copy of the Credit
Agreement,  together  with  copies of the  financial  statements  referred to in
Section 4.01 thereof and such other  documents and  information as it has deemed
appropriate  to make its own credit  analysis  and  decision  to enter into this
Assignment and Acceptance;  (ii) agrees that it will,  independently and without
reliance  upon the Agent,  the  Assignor  or any other  Lender and based on such
documents and information as it shall deem appropriate at the time,  continue to
make its own credit  decisions  in taking or not taking  action under the Credit
Agreement;  (iii)  confirms that it is an Eligible  Assignee;  (iv) appoints and
authorizes  the Agent to take such action as agent on its behalf and to exercise
such powers and  discretion  under the Credit  Agreement as are delegated to the
Agent by the terms  thereof,  together  with such powers and  discretion  as are
reasonably  incidental  thereto;  (v) agrees that it will perform in  accordance
with  their  terms  all of the  obligations  that  by the  terms  of the  Credit
Agreement are required to be performed by it as a Lender;  and (vi) attaches any
U.S.  Internal  Revenue  Service or U.K.  Inland  Revenue forms  required  under
Section 2.13 of the Credit Agreement.

      4. Following the execution of this Assignment and  Acceptance,  it will be
delivered to the Agent for acceptance and recording by the Agent.  The effective
date for this Assignment and Acceptance (the "Effective Date") shall be the date
of  acceptance  hereof by the Agent,  unless  otherwise  specified on Schedule 1
hereto.

      5. Upon such  acceptance  and recording by the Agent,  as of the Effective
Date,  (i) the  Assignee  shall be a party to the Credit  Agreement  and, to the
extent  provided  in  this  Assignment  and  Acceptance,


<PAGE>

have the rights and  obligations  of a Lender  thereunder  and (ii) the Assignor
shall, to the extent provided in this Assignment and Acceptance,  relinquish its
rights and be released from its obligations under the Credit Agreement.

      6. Upon such  acceptance  and  recording by the Agent,  from and after the
Effective Date, the Agent shall make all payments under the Credit Agreement and
the  Notes in  respect  of the  interest  assigned  hereby  (including,  without
limitation,  all payments of principal,  interest and facility fees with respect
thereto) to the Assignee.  The Assignor and Assignee shall make all  appropriate
adjustments  in payments  under the Credit  Agreement  and the Notes for periods
prior to the Effective Date directly between themselves.

      7. This  Assignment and Acceptance  shall be governed by, and construed in
accordance with, the laws of the State of New York.

      8.  This  Assignment  and  Acceptance  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 one and the same  agreement.  Delivery of an executed
counterpart of Schedule 1 to this Assignment and Acceptance by telecopier  shall
be effective as delivery of a manually  executed  counterpart of this Assignment
and Acceptance.

      IN WITNESS  WHEREOF,  the Assignor and the Assignee have caused Schedule 1
to this  Assignment and  Acceptance to be executed by their  officers  thereunto
duly authorized as of the date specified thereon.


                                       2
<PAGE>

                                   Schedule 1
                                       to
                            Assignment and Acceptance

Percentage interest assigned:                                             _____%

Assignee's Commitment:                                                   $______

Aggregate outstanding principal amount of Advances assigned:             $______

Principal amount of Note payable to Assignee:                            $______

Principal amount of Note payable to Assignor:                            $______

Effective Date*:  _______________, 200_

                                        [NAME OF ASSIGNOR], as Assignor

                                        By __________________________
                                           Title:

                                        Dated:  _______________, 200_

                                        [NAME OF ASSIGNEE], as Assignee

                                        By __________________________
                                           Title:

                                        Dated:  _______________, 200_

                                        Domestic Lending Office:
                                                [Address]

                                        Eurocurrency Lending Office:
                                                [Address]

- ----------
*     This date should be no earlier than five  Business Days after the delivery
      of this Assignment and Acceptance to the Agent.


                                       3
<PAGE>

Accepted [and Approved]** this
___________ day of ___________, 200_

CITIBANK, N.A., as Agent

By _____________________________
   Title:

[Approved this __________ day
of _______________, 200_

OMNICOM GROUP INC.

By _____________________________]*
   Title:

- ----------
**    Required  if the  Assigness  is an Eligible  Assignee  solely by reason of
      clause (iii) of the Definition of "Eligible Assigness".

*     Required  if the  Assigness  is an Eligible  Assignee  solely by reason of
      clause (iii) of the definition of "Eligible Assigness".


                                       4
<PAGE>

                                                           EXHIBIT D-1 - FORM OF
                                                     OPINION OF NEW YORK COUNSEL
                                                            FOR THE LOAN PARTIES

                                         [Effective Date]

To each of the Lenders parties
  to the Three Year Credit Agreement dated
  as of November 14, 2002
  among Omnicom Finance Inc.,
  Omnicom Capital Inc. and Omnicom
  Finance plc, (the "Borrowers"),
  said Lenders and Citibank, N.A.,
  as Agent for said Lenders, and
  to Citibank, N.A., as Agent

       Omnicom Finance Inc., Omnicom Capital Inc. and Omnicom Finance plc

Ladies and Gentlemen:

      This opinion is furnished  to you pursuant to Section  3.01(h)(iv)  of the
Three Year Credit  Agreement,  dated as of  _______________,  2002 (the  "Credit
Agreement"),  among Omnicom Finance Inc.  ("OFI"),  Omnicom Capital Inc. ("OCI")
and  Omnicom  Finance  plc  ("OFP",  and,  collectively  with OFI and  OCI,  the
"Borrowers"), Omnicom Group Inc. (the "Guarantor"), the Lenders parties thereto,
Salomon Smith Barney Inc. and ABN AMRO Incorporated,  as lead arrangers and book
managers,  ABN AMRO Bank N.V., as  syndication  agent,  HSBC Bank USA,  Wachovia
Bank, National  Association and Societe Generale,  as documentation  agents, and
Citibank, N.A., as Agent for said Lenders. Capitalized terms used herein without
definition are used as defined in the Credit Agreement.

      We have acted as New York counsel for the Loan Parties in connection  with
the preparation, execution and delivery of the Credit Agreement.

      In  connection  with this opinion,  we have  examined  originals or copies
(including conformed copies) of the following documents:

            (1) The Credit Agreement.

            (2) The documents  furnished by the Loan Parties pursuant to Article
      III of the Credit Agreement.

            (3) The Certificate of Incorporation and all amendments thereto (the
      "Charter")  of each of OFI, OCI and the Guarantor  (collectively,  the "US
      Loan  Parties"),  as certified as of a recent date by a public official of
      the state of its incorporation.

            (4) The by-laws and all amendments  thereto (the  "By-laws") of each
      US Loan Party, as certified to us by each US Loan Party.

<PAGE>

            (5) A  certificate  of the  Secretary  of State of  Delaware,  dated
      _______________,  2002, attesting to the continued corporate existence and
      good standing of OFI in that State as of the date thereof.

            (6) A certificate  of the Secretary of State of  Connecticut,  dated
      _____________,  2002,  attesting to the continued  corporate existence and
      good standing of OCI in that State as of the date thereof.

            (7) A  certificate  of the  Secretary  of State of New  York,  dated
      ________________, 2002, attesting to the continued corporate existence and
      good standing of the Guarantor in that State as of the date thereof.

      In addition, we have examined originals or copies,  certified or otherwise
identified  to  our  satisfaction,   of  such  records,  instruments  and  other
documents,  and have made such other investigations,  as we have deemed relevant
and necessary as a basis for the opinions hereinafter set forth.

      For the purposes hereof, we have assumed, with your permission and without
independent verification of any kind: (a) that the signatures of persons signing
all documents in connection  with which this opinion is rendered are genuine and
authorized;  (b) the  legal  capacity  of all  natural  persons;  (c)  that  all
documents submitted to us as originals or duplicate originals are authentic; and
(d) that all  documents  submitted  to us as copies,  whether  certified or not,
conform to authentic  original  documents.  As to questions of fact  relevant to
this opinion, we have assumed, without independent investigation or verification
of any kind,  the accuracy of the  representations  and  warranties  of the Loan
Parties in the Credit  Agreement and have relied upon  certificates  and oral or
written  statements and other information of public officials,  and officers and
representatives  of the Loan  Parties.  For purposes of the opinion set forth in
the  paragraph  numbered 1 below,  we have  relied  solely  upon  copies of good
standing  certificates  as certified by public  officials as of the dates and in
the jurisdictions listed on Annex I hereto.

      In rendering the opinions  expressed  below,  we have  assumed,  with your
permission and without any  independent  investigation  or  verification  of any
kind,  that:  OFP has been duly  organized  and is validly  existing and in good
standing  under  the  laws  of its  jurisdiction  of  incorporation  and is duly
qualified in each other jurisdiction in which the conduct of its business or the
ownership of its property makes such qualification necessary;  (ii) OFP has full
power and  authority  to execute,  deliver and perform the Credit  Documents  to
which it is a party; (iii) the execution, delivery and performance of the Credit
Documents by OFP have been duly authorized by all requisite  corporate action on
the part of OFP; (iv) the Credit Documents have been duly executed and delivered
by OFP; and (v) the execution,  delivery and performance of the Credit Documents
by OFP do not and will not violate the Charter,  By-laws or other organizational
documents of OFP. We have further assumed,  with your permission and without any
independent investigation or verification of any kind, that the Credit Agreement
constitutes  the valid and  legally  binding  obligation  of each  Person  party
thereto  (other than the US Loan  Parties  and OFP),  enforceable  against  such
Person in  accordance  with its terms.  Furthermore,  in giving the opinions set
forth in paragraphs numbered 4, 5 and 6 below, we express no opinion as to state
securities or blue sky laws.

      Based upon the foregoing, and subject to the limitations set forth herein,
we are of the opinion that:

      1.  Each US Loan  Party  (i) is a  validly  existing  corporation  in good
standing under the laws of the jurisdiction of its incorporation listed on Annex
I hereto and (ii) has the corporate  power and authority to own its property and
assets and to transact the business in which it is engaged.

      2. Each US Loan Party has the  corporate  power to  execute,  deliver  and
perform the terms and  provisions  of the Credit  Agreement  and the Notes to be
delivered by it and has taken all  necessary  corporate  action to authorize the
execution,  delivery and performance of the Credit Agreement and the Notes to be
delivered by it. Each US Loan Party has duly  executed and  delivered the Credit
Agreement and the Notes to be delivered by it.

<PAGE>

      3.  The  Credit  Agreement   constitutes  the  legal,  valid  and  binding
obligation of each Loan Party enforceable  against such Loan Party in accordance
with its terms.  Each Note to be delivered by a Loan Party will  constitute  the
legal, valid and binding obligation of such Loan Party enforceable  against such
Loan Party in accordance with its terms.

      4. Neither the execution and delivery, nor the performance, by any US Loan
Party of the Credit Agreement or the Notes to be delivered by it, nor compliance
by such US Loan Party with the terms and provisions thereof, (i) will contravene
any  provision  of any law,  statute,  rule or  regulation  (including,  without
limitation,  Regulation  X of the  Board of  Governors  of the  Federal  Reserve
System) of the United  States of America or the State of New York  applicable to
such US Loan Party or (ii) will violate any  provision of the Charter or By-Laws
of such US Loan Party.

      5. Neither the execution and delivery, nor the performance,  by OFP of the
Credit  Agreement and the Notes to be delivered by it, nor compliance by it with
the terms and  provisions  thereof,  will  contravene  any provision of any law,
statute, rule or regulation (including, without limitation,  Regulation X of the
Board of  Governors  of the  Federal  Reserve  System) of the  United  States of
America or the State of New York applicable to OFP.

      6. No order, consent, approval,  license,  authorization or validation of,
or filing,  recording or registration with (except as have been obtained or made
on or prior to the date  hereof),  or exemption by, any  governmental  or public
body or  authority  of the United  States of America,  or the State of New York,
applicable  to any Loan  Party is  required  to  authorize,  or is  required  in
connection  with, (i) the execution,  delivery and performance by any Loan Party
of the  Credit  Agreement  and the  Notes  to be  delivered  by it or  (ii)  the
enforceability  of the Credit  Agreement  and the Notes to be delivered by it in
accordance with their terms against such Loan Party.

      7. The choice of New York law as the governing law of the Credit Agreement
and the Notes is,  under  the laws of the State of New York,  a valid  choice of
law.

      8. The consent by each Loan Party in Section 9.12 of the Credit  Agreement
to the  jurisdiction  of  courts  sitting  in the  State  of New York is a valid
consent to the jurisdiction of such courts.

      Our opinions are subject to the qualifications that:

      A. The  enforceability of the Credit Agreement and the Notes is subject to
and  may  be  limited  by  bankruptcy,  insolvency,  reorganization,  fraudulent
conveyance,  moratorium,  or other  similar laws  relating to or  affecting  the
rights of  creditors  generally  (including  such as may deny  giving  effect to
waivers of debtors'  or  guarantors'  rights),  and the  application  of general
principles of equity (regardless of whether considered in a proceeding in equity
or at law), including,  without limitation,  (i) the possible  unavailability of
specific  performance,  injunctive relief or any other equitable remedy and (ii)
concepts  of   materiality,   reasonableness,   good  faith  and  fair  dealing.
Accordingly,  no opinion is given herein as to (i) the availability of the right
to accelerate  any obligation  and certain  remedies  provided for in the Credit
Agreement in the event of a nonmaterial  default,  or (ii) the enforceability of
any  provision of the Credit  Agreement  relating to  cumulation  of remedies or
waiving the remedy of specific performance, or the waiver of debtors' rights.

      B. We  express  no opinion  as to the  enforceability  of any  contractual
provision  in  the  Credit  Agreement  as to  waiver  of any  procedural  right,
including,  without limitation, (i) the first sentence of Section 9.12(a) of the
Credit  Agreement  insofar  as  such  sentence  relates  to the  subject  matter
jurisdiction  of a federal court of the United States of America  sitting in New
York City to adjudicate any controversy  related to any of the Credit Documents,
and (ii) the waiver of  inconvenient  forum set forth in Section  9.12(b) of the
Credit  Agreement  with respect to  proceedings in a federal court of the United
States of America sitting in New York City.

<PAGE>

      C. We  express  no opinion  as to the  enforceability  of any  contractual
provision  in the  Credit  Documents  relating  to  indemnification,  including,
without  limitation,  with respect to the  enforceability of Section 9.04 of the
Credit  Agreement,  to the extent  that these may be limited  (i) in the case of
litigation  against  any Loan  Party  which is decided  adversely  to the person
claiming  indemnification or in a case involving a claim of indemnification  for
attorneys' fees, (ii) by laws rendering unenforceable  indemnification  contrary
to federal or state securities laws and the public policy  underlying such laws,
or (iii) by laws  limiting  the  enforceability  of  provisions  exculpating  or
exempting a party, or requiring  indemnification  of a party,  for liability for
its own action or inaction,  to the extent the action or inaction involves gross
negligence, recklessness, willful misconduct or unlawful conduct.

      D. Furthermore, no opinion is given herein as to:

            (i)  Section  7.02 of the Credit  Agreement,  to the extent  that it
      relates to action  contemplated by Section 7.02(b) of the Credit Agreement
      taken without the Guarantor's consent, which may not be enforceable to the
      extent that the Guaranteed Obligations are materially altered; or

            (ii) the  enforceability  of the  provisions  of Section 9.11 of the
      Credit  Agreement  (A) to the extent that a judgment not in (1) Dollars is
      obtained in respect of the Credit  Agreement in a jurisdiction  other than
      the United  States of America or (2)  Committed  Currencies is obtained in
      respect  of  the  Credit   Agreement  in  a  jurisdiction   other  than  a
      member-state of the European Union and the respective Loan Party pays such
      judgment or (B) insofar as those provisions  contemplate an alternative or
      additional  cause of action for a claim that may have  merged  with claims
      covered by an earlier judgment; or

            (iii)  Section  7.02(h)  of the Credit  Agreement,  to the extent it
      relates to any waiver of an applicable statute of limitations; or

            (iv) the  enforceability  of the  right of  setoff  provided  for in
      Section 9.05 of the Credit  Agreement (A) in respect of an interest  under
      the Credit  Agreement  purchased  by a Lender  pursuant to Section 2.14 or
      9.07 of the Credit Agreement, to the extent the relevant purchase does not
      give rise to a direct  obligation  of any Borrower to such Lender,  or (B)
      insofar as that right relates to setoff of unmatured obligations under the
      Credit  Agreement or of obligations owed to any Loan Party by an Affiliate
      of a Lender or by an Affiliate of the Administrative Agent.

      We are  members of the Bar of the State of New York and express no opinion
as to the laws of any jurisdiction  other than those of the laws of the State of
New York, the General  Corporation  Law of the State of Delaware and the federal
laws of the  United  States of  America.  Our  opinions  set forth in  paragraph
numbers 1, 2 and 4(ii)  above,  as they apply to OCI, are based on our review of
the Connecticut Business Corporation Act as reported by 33 Conn. Gen. Stat. Ann.
ss. 33-600 et seq.  (West 1997,  2002 supp.) to be in effect on the date of this
opinion letter.

      This  opinion is  rendered  solely to you by us as special  counsel to the
Loan Parties in  connection  with the  transactions  contemplated  by the Credit
Agreement and the Notes. Each Lender (and its successors and permitted  assigns)
may rely upon this opinion in connection with those  transactions.  This opinion
may not be  relied  upon  in any  other  manner  or for any  other  purpose,  or
furnished or relied upon by any other person, without our prior written consent.
The  information  set  forth  herein  is as of the date of this  letter,  and we
disclaim  any  undertaking  to advise you of  changes  which  thereafter  may be
brought to our attention.

                                      Very truly yours,

<PAGE>

                                                                         ANNEX I

                                                   Type and Date of
       Name and Jurisdiction                  Certificate in Jurisdiction
         of Incorporation                         of Incorporation
- ---------------------------------          ----------------------------------
Omnicom Finance Inc. (Delaware)            Good Standing - ____________, 2002

Omnicom Capital Inc. (Connecticut)         Legal Existence -___________, 2002

Omnicom Group Inc. (New York)              Subsisting - ____________, 2002


<PAGE>

                                                           EXHIBIT D-2 - FORM OF
                                                              OPINION OF ENGLISH
                                                                 COUNSEL FOR OFP

To each of the  Lenders  parties to the  Credit  Agreement
referred to below and to Citibank, N.A. as Agent

Our Ref MHL/539576

      November 2002

Dear Sirs

Omnicom Finance plc

1           Introduction

            We have acted as special  English lawyers for Omnicom Finance plc, a
            company  incorporated  and  existing  under the laws of England  and
            Wales ("OFP"), in connection with its authorisation of the execution
            and  delivery  of the  following  documents  (together,  the "Credit
            Documents"):

1.1         the 364-Day  Credit  Agreement  dated as of November 2002 made among
            Omnicom Finance Inc.,  Omnicom  Capital Inc. and OFP  (collectively,
            the  "Borrowers"),  Omnicom  Group Inc.  as  Guarantor,  the initial
            Lenders  named  therein,  Salomon Smith Barney Inc. as lead arranger
            and book manager and Citibank,  N.A. as Administrative Agent for the
            Lenders (the "Credit Agreement"); and

1.2         the  Notes of OFP,  if any,  to be  delivered  pursuant  to  Section
            2.15(a) of the Credit Agreement.

            We have been asked by OFP to give you this  opinion for the purposes
            of Section  3.01(h)(iv)  of the Credit  Agreement  and we have taken
            instructions  in this regard  solely  from OFP.  You should be aware
            that our sole  involvement  with this transaction has been in giving
            this opinion and we have not been involved in the negotiation of the
            Credit Documents or in any other aspect of the transaction.

            Terms  defined in the Credit  Agreement  have the same meanings when
            used in this opinion.

2           English law opinion

            This  opinion is limited  to English  law as applied by the  English
            courts as at the date of this  letter and is given on the basis that
            it will be governed by and construed in accordance with English law.
            We have made no investigation of the laws of any jurisdiction  other
            than those of England  and we do not express or imply any opinion as
            to the laws of any  jurisdiction  other  than those of  England.  We
            express no opinion as to matters of fact.

<PAGE>

3           Documents examined

            For the  purpose of this  opinion  we have  examined  the  following
            documents:

3.1         a copy of the Credit  Agreement  (including  the  Exhibits  thereto)
            bearing a signature  on behalf of OFP which is stated  therein to be
            that of one of the persons identified in the certificate referred to
            at paragraph 3.4 below as a Director of OFP;

3.2         a copy of the certificate  given by OFP pursuant to Section 3.01 (h)
            (ii) and (iii) of the Credit Agreement and having attached  thereto,
            inter alia:

3.2.1       copies  of the  certificate  of  incorporation  and  Memorandum  and
            Articles of Association of OFP, each certified as true, complete and
            up-to-date as at the date hereof by a Director of OFP; and

3.3         a copy of the minutes of a meeting of the Board of  Directors of OFP
            held on 7 November  2002,  the  resolutions  set out in such minutes
            having been certified as true, complete and still in force as at the
            date hereof by a Director of OFP; and

3.4         a further certificate addressed to us from a director of OFP, a copy
            of which is attached hereto (the "Certificate").

4           Enquiries made

            For the purpose of giving this opinion, we have:

4.1         made an oral enquiry by telephone of the Central Registry of Winding
            Up Petitions in respect of OFP on 11 November 2002; and

4.2         arranged for a review of the microfiche  relating to OFP kept at the
            Companies  Registration Office in London and obtained on 11 November
            2002.

            Except for the documents listed in paragraph 3 above and the matters
            referred to in this  paragraph 4, we have not examined any contracts
            or other  documents  entered into by or  affecting  any party to the
            Credit  Documents nor any  corporate  records of OFP and we have not
            made any other enquiries or searches concerning OFP.

5           Assumptions

            In examining  the  documents  referred to in  paragraph 3 above,  in
            making the enquiries  referred to in paragraph 4 above and in giving
            this opinion we have assumed without further enquiry:

5.1         the  genuineness  of all  signatures  and  seals on  documents,  the
            conformity  to the  originals  of all  documents  supplied  to us as
            copies and the authenticity of the originals of such documents;

5.2         that the  information  disclosed  by our oral enquiry at the Central
            Registry of  Winding-up  Petitions  was then  accurate and that such
            enquiry  did not fail to disclose  any matters  which it should have
            disclosed  and which are  relevant  for the purposes of this opinion
            and since the time of such enquiry  there has been no  alteration in
            the status or  condition of OFP as  represented  by the Clerk at the
            Registry;

5.3         that the file of records  maintained at the  Companies  Registration
            Office  concerning  OFP, and  reproduced  on  microfiche  for public
            inspection, was complete, accurate and up-to-date at the time of the
            review referred to in paragraph 4.2 above and that there has been no
            alteration in the status or condition of OFP as  represented  by the
            microfiche;

<PAGE>

5.4         that OFP has not passed a voluntary  winding-up  resolution and that
            no petition  has been  presented to or order made by a court for the
            winding-up  or  dissolution   of  OFP  or  the   appointment  of  an
            administrator of OFP and that no receiver or administrator  has been
            appointed  in respect of OFP or any of its assets  which in any such
            case has not been revealed by the enquiries referred to in paragraph
            4 above;

5.5         (in relation to paragraph  6.7 only,  if relevant)  that each of the
            parties to the Credit Documents (other than OFP) is in existence and
            has full  corporate  capacity,  right,  power and authority to enter
            into and to exercise  its rights and perform its  obligations  under
            the Credit Documents;

5.6         (in relation to paragraph 6.7 only, if relevant) that under the laws
            of the  State  of New  York,  USA,  each  of  the  Credit  Documents
            constitutes  valid,  legally binding and enforceable  obligations of
            the parties thereto, including OFP;

5.7         that any copies  certified and all documents  dated earlier than the
            date of this  letter  on which  we have  expressed  reliance  remain
            accurate,  complete and in full force and effect at the date of this
            letter;

5.8         that  there  are  no  provisions  of  the  laws  of  any  applicable
            jurisdiction  outside  England  which  would be  contravened  by the
            execution and delivery of the Credit Documents and that,  insofar as
            any obligation  under the Credit Documents is to be performed in any
            jurisdiction outside England, its performance will not be illegal or
            contrary   to   public   policy  by  virtue  of  the  laws  of  that
            jurisdiction;

5.9         the accuracy of the statements contained in the Certificate; and

5.10        (as regards our opinions in  paragraphs  6.5 and 6.6 below) that all
            Advances made to OFP pursuant to the Credit  Agreement  will be made
            by persons who are (i) authorised persons (within the meaning of the
            Financial  Services  and  Markets Act 2000) who have  permission  to
            accept deposits or to effect or carry out contracts of insurance, or
            (ii)  acting in the  course of  carrying  on a  business  consisting
            wholly  or to a  significant  extent  of  lending  money,  or  (iii)
            otherwise  described in paragraph 6(1) of the Financial Services and
            Markets Act 2000 (Regulated Activities) Order 2001.

6           Opinion

            Based  upon  and  subject  to  the  foregoing,  and  subject  to the
            qualifications  and reservations  mentioned below and to any matters
            not disclosed to us, we are of the following opinion.

6.1         OFP  (i) is duly  incorporated  and  validly  existing  as a  public
            limited  company  under the laws of England and Wales;  (ii) has the
            power and  authority  to own its property and assets and to transact
            the  business in which it is engaged (as such  property,  assets and
            business  are  described  in  the  Certificate);  and  (iii)  is not
            required to be qualified as a "foreign  corporation"  in order to do
            business within England and Wales.

6.2         The  enquiry  and review  referred  to in  paragraph 4 above did not
            reveal any appointment  of, or resolution or petition to appoint,  a
            liquidator, administrator or administrative receiver of OFP, or that
            OFP is delinquent in filing its statutory annual  directors'  report
            and accounts,  or any  notification by the Registrar of Companies of
            intention to strike OFP's name off the Register of Companies.

6.3         OFP has the  corporate  power to  execute,  deliver  and perform the
            terms and provisions of each of the Credit  Documents to which it is
            expressed to be a party and to borrow under the Credit Agreement and
            has taken all necessary corporate action to authorise the execution,
            delivery and

<PAGE>

            performance by it of each of such Credit  Documents and borrowing by
            it under the Credit Agreement.

6.4         OFP has validly  executed the Credit  Agreement.  When the Notes are
            signed by one of the  Directors  of OFP,  such  Notes will have been
            validly executed by OFP.

6.5         The  execution,  delivery  and  performance  by OFP  of  the  Credit
            Documents to which it is expressed to be a party,  the compliance