Exhibit 10.2
 
FOURTH AMENDMENT TO FOURTH AMENDED
 
AND RESTATED CREDIT AGREEMENT
 
This FOURTH AMENDMENT TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT, effective
as of April 30, 2014 (this "Fourth Amendment"), is by and among (a) MISSION
BROADCASTING, INC. (the "Borrower"), a Delaware corporation, (b) each of the
Term A Lenders that is a party hereto and (c) BANK OF AMERICA, N.A., as
administrative agent (the "Administrative Agent") for itself and the other
Lenders party to that certain Fourth Amended and Restated Credit Agreement,
dated December 3, 2012 (as amended, supplemented, and restated or otherwise
modified and in effect from time to time, prior to the date hereof, the
"Existing Credit Agreement", and as amended hereby, the "Credit Agreement"), by
and among the Borrower, the lending institutions party thereto (the "Lenders")
and the Administrative Agent.  Capitalized terms used herein without definition
shall have the meanings assigned to such terms in the Credit Agreement.
 
WHEREAS, on the date hereof, the parties hereto desire to enter into this Fourth
Amendment to make certain amendments to the Existing Credit Agreement;
 
NOW THEREFORE, in consideration of the foregoing premises and for other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties hereby agree as follows:
 
§1. Amendment to Defined Terms.  Capitalized terms used but not defined herein
shall have the meanings assigned to such terms in the Credit Agreement.
 
§2. Payment of Term A Facility Ticking Fee.  On April 30, 2014, the Borrower
shall pay to the Administrative Agent for the account of each of the Term A
Lenders (including Regions Bank (the "Exiting Term A Lender")) in accordance
with its Applicable Term A Percentage (as such term is defined prior to giving
effect to any of the amendments set forth in this Fourth Amendment), the Term A
Facility Ticking Fee then due and payable.
 
§3. Exiting Term A Lender.  By acknowledging and agreeing as provided on the
signature pages hereof, the Exiting Term A Lender, upon satisfaction of the
conditions of effectiveness set forth in Section 5 of this Fourth Amendment,
shall not (a) be a Lender under the Credit Agreement and (b) have any rights or
obligations with respect to being a Lender, except for those that expressly
survive termination of the Credit Agreement or termination of any Commitment
thereunder.
 
§4. Amendments to Existing Credit Agreement.  On and as of the Fourth Amendment
Effective Date, immediately after giving effect to the payment of the Term A
Facility Ticking Fee pursuant to Section 2 hereof and the expiration of Term A
Availability Period (as such term is defined in the Existing Credit Agreement),
the Existing Credit Agreement shall be amended as follows:
 
(a) Amendment of Article I of the Existing Credit Agreement.  Article I of the
Existing Credit Agreement is hereby amended as follows:
 
(i) The definition of "First Amendment Nexstar/Mission Ratable Status " in
Section 1.01 of the Existing Credit Agreement is amended and restated in its
entirety to read as follows:
 
"Fourth Amendment Nexstar/Mission Ratable Status" has the meaning specified in
Section 10.21(b).
 
(ii) The definition of "Term A Availability Period" in Section 1.01 of the
Existing Credit Agreement is amended and restated in its entirety to read as
follows:
 
 
"Term A Availability Period" means in respect of the Term A Commitments, the
period from and including the First Amendment Closing Date to the earliest of
(a) the date of termination of the commitment of each Term A Lender to make
Term A Loans pursuant to Section 8.02 or Section 2.06, and (b) October 31, 2014.
 
(iii) The definition of "Term A Commitment" in Section 1.01 of the Existing
Credit Agreement is amended and restated in its entirety to read as follows:
 
"Term A Commitment" means, as to each Term A Lender, its obligation to make a
Term A Loan to the Borrower pursuant to Section 2.01(d) in an aggregate
principal amount at any one time outstanding not to exceed the amount set forth
opposite such Lender's name on Schedule 2.01(a) under the caption "Term A
Commitment" or in the Assignment and Assumption pursuant to which such Term A
Lender becomes a party hereto, as applicable, as such amount may be (i) adjusted
from time to time in accordance with this Agreement and (ii) increased or
decreased in accordance with the terms of the Term A Reallocation Letter.  The
initial aggregate amount of the Term A Commitments was $90,000,000.  On the
Fourth Amendment Effective Date, the aggregate amount of the Term A Commitments
is $60,000,000, as such amount may be increased or decreased in accordance with
the terms of the Term A Reallocation Letter.
 
(iv) The definitions of "Fourth Amendment", "Fourth Amendment Effective
Date"  and "Nexstar Fourth Amendment Effective Date" are added to Section 1.01
of the Existing Credit Agreement in proper alphabetical order to read as
follows:
 
"Fourth Amendment" means that certain Fourth Amendment to Fourth Amended and
Restated Credit Agreement effective as of April 30, 2014, among the Borrower,
the Administrative Agent and the Term A Lenders.
 
"Fourth Amendment Effective Date" means, to the extent the conditions to
effectiveness set forth in the Fourth Amendment are satisfied, April 30, 2014.
 
"Nexstar Fourth Amendment Effective Date" means the "Fourth Amendment Effective
Date" as that term is defined in the Nexstar Credit Agreement.
 
(b) Amendment of Sections 2.01(d)(i) and 2.01(d)(ii) of the Existing Credit
Agreement.  Section 2.01(d)(i) and Section 2.01(d)(ii) of the Existing Credit
Agreement are hereby amended and restated in their entirety to read as follows:
 
(i)           Subject to the terms and conditions set forth herein, at any time
after the First Amendment Closing Date and during the Term A Availability
Period, the Term A Commitment of each Term A Lender may be increased or
decreased one time pursuant to a Permitted Term A Reallocation by the Borrower
between the Term A Commitment, the Nexstar Term A Commitment and the Rocky Creek
Loan, if any, of each Term A Lender.  If the Permitted Term A Reallocation
increases the Term A Commitment, it shall be limited to a reallocation of all or
any portion of the $112,205,128.20 Nexstar Term A Commitment that is available
after the Nexstar Fourth Amendment Effective Date in accordance with the
provisions of Section 2.01(d)(ii) of the Nexstar Credit Agreement and in
accordance with the Term A Reallocation Letter (such reallocated amount, the
"Reallocated Term A Commitment Amount").  In connection with any Permitted
Term A Reallocation, at the request of the Administrative Agent or any Term A
Lender, the Borrower shall execute and deliver to the Administrative Agent
replacement Term A Notes in an amount equal to each Term A Lender's Term A
Commitment as adjusted in accordance with the terms of the Term A Reallocation
Letter.
 
(ii) Subject to the terms and conditions of Section 4.02 and Section 4.03 (if
applicable) set forth herein, each Term A Lender severally agrees to make three
Term A Loans to the Borrower on any Business Day during the Term A Availability
Period, in an aggregate principal amount equal to such Term A Lender's
Applicable Term A Percentage of the Term A Commitment or the Reallocated Term A
Commitment Amount, as applicable.  Each Term A Borrowing shall consist of Term A
Loans made simultaneously by the Term A Lenders in accordance with their
respective Term A Commitments.  Amounts borrowed under this Section 2.01(d)(ii)
and repaid or prepaid may not be reborrowed.  Term A Loans may be Base Rate
Loans or Eurodollar Rate Loans as further provided herein.  After the expiration
of the Term A Availability Period, no Lender shall be obligated to make any Term
A Loan.
 
(c) Amendment of Section 2.07(a) of the Existing Credit Agreement.
Section 2.07(a) of the Existing Credit Agreement is hereby amended and restated
in its entirety to read as follows:
 
2.07           Repayment of Loans.
 
(a)           Term Loans.  Subject to adjustment as a result of the application
of prepayments in accordance with Section 2.05, in each case, solely to the
extent of any such amounts applied to the prepayment of the Term Loans, (i) the
Borrower shall repay to the Administrative Agent for the ratable account of the
Term B Lenders, the aggregate amount of all Term B Loans that are outstanding on
the Third Amendment Closing Date, with a like amount of the gross proceeds of
Additional Term B-2 Loans made by the Additional Term B-2 Lenders pursuant to
Section 2.01(f), concurrently with the receipt thereof, (ii) the Term B-2 Loans
shall be due and payable, and the Borrower shall repay to the Administrative
Agent for the ratable account of the Term B-2 Lenders quarterly on the last
Business Day of each month of March, June, September and December occurring
until the Maturity Date, commencing with the first such payment due and payable
on December 31, 2013, an amount equal to 0.25% of the aggregate principal amount
of all Term B-2 Loans made by all Term B-2 Lenders under Section 2.01(e) and
Section 2.01(f); provided, however, that the final principal repayment
installment of the Term B-2 Loans shall be due and payable on the Maturity Date
for the Term B-2 Facility and in any event shall be in an amount equal to the
aggregate principal amount of all Term B-2 Loans outstanding on such date and
(iii) the Term A Loans shall be due and payable, and the Borrower shall repay to
the Administrative Agent for the ratable account of the Term A Lenders quarterly
on the last Business Day of each month of March, June, September and December
until the Maturity Date for such Term A Loans, commencing with the first such
payment due and payable on December 31, 2014 (the first such date occurring
after the end of the Term A Availability Period), an amount equal to one quarter
of the following annual percentage reductions for each payment set forth below
of the aggregate principal amount of all Term A Loans made by all Term A Lenders
under Section 2.01(d):
 
Date
Annual Percentage Reduction
for the four payments commencing December 31, 2014 through and including
September 30, 2015
5%
for the four payments commencing December 31, 2015 through and including
September 30, 2016
7%
for the four payments commencing December 31, 2016 through and including
September 30, 2017
10%
for the two payments commencing December 31, 2017 through and including March
31, 2018
10%

 
provided, however, that the final principal repayment installment of the Term A
Loans shall be due and payable on the Maturity Date for the Term A Facility and
in any event shall be in an amount equal to the aggregate principal amount of
all Term A Loans outstanding on such date.
 
(d) Amendment of Section 2.09(d) of the Existing Credit
Agreement.  Section 2.09(d) of the Existing Credit Agreement is hereby amended
and restated in its entirety to read as follows:
 
(d)           Term A Facility Ticking Fee.  Commencing on the Fourth Amendment
Effective Date, the Borrower shall pay to the Administrative Agent for the
account of each Term A Lender in accordance with its Applicable Term A
Percentage, a ticking fee (the "Term A Facility Ticking Fee") equal to 1.00% per
annum on the actual daily amount by which the aggregate Term A Commitments (as
increased or decreased by any Permitted Term A Reallocation) exceeds the sum of
the aggregate Outstanding Amount of Term A Loans, for the period commencing on
the Fourth Amendment Effective Date and ending on (but not including) the last
day of the Term A Availability Period.  The Term A Facility Ticking Fee shall
accrue at all times after the Fourth Amendment Effective Date and during the
Term A Availability Period, including at any time during which one or more of
the conditions in Article IV is not met, and shall be due and payable quarterly
in arrears on the last Business Day of each March, June, September and December,
commencing with the first such date to occur after the Fourth Amendment
Effective Date, and on the last day of the Term A Availability Period.  The
Term A Facility Ticking Fee shall be calculated quarterly in arrears.
 
(e) Amendment to the opening phrase of Section 4.03 of the Existing Credit
Agreement.  The opening phrase of Section 4.03 of the Existing Credit Agreement
is hereby amended and restated in its entirety to read as follows:
 
4.03           Additional Conditions to CCA Funding Date.  In addition to the
conditions set forth in Section 4.02, the obligation of each Lender to make a
Term A Loan that funds the CCA Acquisition is subject at the time of the making
of such Loans to the satisfaction of the following conditions on or before such
date:
 
(f) Amendment of Section 5.17 of the Existing Credit Agreement.  Section 5.17 of
the Existing Credit Agreement is hereby amended and restated in its entirety to
read as follows:
 
5.17           Use of Proceeds.  The proceeds of the Term B Loans and the
Revolving Credit Loans shall be used in a manner consistent with the uses set
forth in the Preliminary Statements to this Agreement.  The proceeds of the Term
A Loans shall be used in a manner consistent with the uses set forth in
Section 6.12.  The proceeds of the Term B-2 Loans shall be used to finance
general corporate and working capital purposes.  The proceeds of the Additional
Term B-2 Loans funded on the Third Amendment Closing Date pursuant to Section
2.01(f) shall be used to refinance the Term B Loans outstanding immediately
prior to the Third Amendment Closing Date.
 
(g) Amendment of Section 6.12(c) of the Existing Credit
Agreement.  Section 6.12(c) of the Existing Credit Agreement is hereby amended
and restated in its entirety to read as follows:
 
(c)           Use the proceeds of the Term A Loans made pursuant to
Section 2.01(d)(ii) to
 
(w) fund the repayment of the Borrower for amounts paid by the Borrower (and not
otherwise borrowed) for the purchase price of Permitted Acquisitions made in the
12 months prior to the Fourth Amendment Effective Date, and to fund the payment
of the purchase price of Permitted Acquisitions and the CCA Acquisition,
 
(x) fund the repayment of the Borrower for amounts paid by the Borrower (and not
otherwise borrowed) for fees, costs, expenses, stamp, registration and other
Taxes in connection with Permitted Acquisitions made in the 12 months prior to
the Fourth Amendment Effective Date, and to fund the payment of the fees, costs,
expenses, stamp, registration and other Taxes incurred by the Borrower or any of
its Subsidiaries in connection with Permitted Acquisitions, the CCA Acquisition,
the CCA Acquisition Agreement or the Loan Documents,
 
(y) fund the repayment of the Borrower for amounts paid by the Borrower (and not
otherwise borrowed) for breakage costs, redemption premiums and other fees,
costs and expenses payable in connection with Permitted Acquisitions made in the
12 months prior to the Fourth Amendment Effective Date, and to fund the payment
of any breakage costs, redemption premiums and other fees, costs and expenses
payable in connection with any Permitted Acquisition or the CCA Acquisition and
 
(z) so long as the Consolidated First Lien Net Leverage Ratio is less than 3.25
to 1.00 both before and after giving effect to any such Term A Loan borrowing
and the use of proceeds thereof, finance general corporate and working capital
purposes of the Borrower, any of its Restricted Subsidiaries, and to the extent
permitted by the terms of this Agreement, any of its Subsidiaries that are not
Restricted Subsidiaries (including Investments, Capital Expenditures and
Restricted Payments permitted hereunder).
 
(h) Amendment of clause (y) to Section 10.21(b) of the Existing Credit
Agreement.  Clause (y) of Section 10.21(b) of the Existing Credit Agreement is
hereby amended and restated in its entirety to read as follows:
 
 (y) on the Fourth Amendment Effective Date and at all times thereafter during
the term of this Agreement, each Lender hereunder shall be a Mission Lender with
the same percentage of holdings of Term A Borrowings, Term A Loans and Term A
Commitments as Mission Term A Borrowings, Mission Term A Loans and Mission
Term A Commitments, respectively (such pro rata holdings referred to as the
"Fourth Amendment Nexstar/Mission Ratable Status")
 
(i) Amendment of Sections 10.21(c) and (d) of the Existing Credit
Agreement.  All references to "First Amendment Nexstar/Mission Ratable Status"
in subsections (c) and (d) of Section 10.21 of the Existing Credit Agreement
shall be amended to read "Fourth Amendment Nexstar/Mission Ratable Status".
 
(j) Amendment of Schedule 2.01(a).  Schedule 2.01(a) of the Existing Credit
Agreement is hereby amended and restated in its entirety to read as the Schedule
2.01(a) attached to this Fourth Amendment.
 
(k) Amendment of Exhibit J.  Section 5.17 of Exhibit J to the Existing Credit
Agreement is hereby amended and restated in its entirety to read as follows:
 
5.17           Use of Proceeds.  The proceeds of the Term B Loans and the
Revolving Credit Loans shall be used in a manner consistent with the uses set
forth in the Preliminary Statements to this Agreement.  The proceeds of the Term
A Loans shall be used in a manner consistent with the uses set forth in
Section 6.12.  The proceeds of the Term B-2 Loans shall be used to finance
general corporate and working capital purposes.  The proceeds of the Additional
Term B-2 Loans funded on the Third Amendment Closing Date pursuant to Section
2.01(f) shall be used to refinance the Term B Loans outstanding immediately
prior to the Third Amendment Closing Date.
 
§5. Conditions to Effectiveness.  This Fourth Amendment shall become effective
as of the date set forth above upon the satisfaction of the following conditions
(such effective date, the "Fourth Amendment Effective Date"):
 
(a) there shall exist no Default both immediately before and after giving effect
to this Fourth Amendment;
 
(b) the Administrative Agent shall have received a counterpart signature page to
this Fourth Amendment, duly executed and delivered by the Borrower, the
Administrative Agent, each Guarantor, the owners of the Capital Stock of the
Borrower (the "Pledgors"), and each of the Term A Lenders;
 
(c) the representations and warranties set forth in this Fourth Amendment shall
be true and correct in all material respects as of the date of this Fourth
Amendment (except (1) to the extent that such representations and warranties
specifically refer to an earlier date, in which case they are true and correct
in all material respects as of such earlier date and (2) that any representation
or warranty that is qualified by "materiality" or "Material Adverse Effect"
shall be true and correct in all respects);
 
(d) the Nexstar Credit Agreement shall be amended on a substantially similar
basis (but only as applicable) for the Nexstar Borrower, as the terms set forth
in this Fourth Amendment; and
 
(e) the Borrower shall have paid all reasonable invoiced fees and expenses of
the Administrative Agent's counsel, Winstead PC, and the Administrative Agent
shall have received evidence of payment of all other reasonable and documented
out-of-pocket costs and expenses (including, without limitation, legal fees and
expenses) that have been invoiced prior to the effective date of this Fourth
Amendment.
 
§6. Affirmation of Mission Entities.  Each of the Mission Entities hereby
affirms its Obligations under the Credit Agreement, each of the other Loan
Documents to which each is a party, and each of the Nexstar Loan Documents to
which each is a party, and each hereby affirms its absolute and unconditional
promise to pay to the Lenders the Loans and all other amounts due (i) under the
Credit Agreement (as amended hereby) and the other Loan Documents and (ii) under
the Nexstar Credit Agreement (as amended) and the Nexstar Loan Documents.
 
§7. Representations and Warranties.  Each of the Mission Entities represents and
warrants to the Administrative Agent and the Lenders, immediately after giving
effect to this Fourth Amendment, as follows:
 
(a) Representations and Warranties.  Each of the representations and warranties
contained in Article V of the Credit Agreement are true and correct in all
material respects on and as of the date hereof (giving effect to this Fourth
Amendment), except to the extent such representations and warranties are already
qualified by materiality, in which case, such representations and warranties are
true and correct in all respects and to the extent that such representations and
warranties relate specifically to a prior date.
 
(b) Enforceability.  The execution and delivery by the Mission Entities of this
Fourth Amendment, and the performance by the Mission Entities of this Fourth
Amendment and the Credit Agreement, as amended hereby, and each of the Loan
Documents (and amendments, restatements and substitutions therefore in
connection with this Fourth Amendment) are within the corporate authority of
each of the Mission Entities and have been duly authorized by all necessary
corporate proceedings.  This Fourth Amendment and the Credit Agreement, as
amended, and each of the Loan Documents (and amendments, restatements and
substitutions therefore in connection with this Fourth Amendment) hereby,
constitute valid and legally binding obligations of each of the Mission
Entities, enforceable against it in accordance with their terms, except as
enforceability may be limited by Debtor Relief Laws and by general principles of
equity.
 
(c) No Default.  No Default has occurred and is continuing, and no Default will
result from the execution, delivery and performance by the Mission Entities of
this Fourth Amendment, the other Loan Documents or from the consummation of the
transactions contemplated herein.
 
§8. No Other Amendments, etc.
 
(a) Except as expressly provided in this Fourth Amendment, (a) all of the terms
and conditions of the Credit Agreement and the other Loan Documents (as amended
and restated in connection herewith, if applicable) remain unchanged, and
(b) all of the terms and conditions of the Credit Agreement, as amended hereby,
and of the other Loan Documents (as amended and restated in connection herewith,
if applicable) are hereby ratified and confirmed and remain in full force and
effect.  Nothing herein shall be construed to be an amendment, consent or a
waiver of any requirements of any Mission Entity or of any other Person under
the Credit Agreement or any of the other Loan Documents except as expressly set
forth herein or pursuant to a written agreement executed in connection
herewith.  Nothing in this Fourth Amendment shall be construed to imply any
willingness on the part of the Administrative Agent or any Lender to grant any
similar or future amendment, consent or waiver of any of the terms and
conditions of the Credit Agreement or the other Loan Documents.
 
(b) Without limiting the foregoing, each of the Loan Parties to the Guaranties
and the Security Documents hereby (i) acknowledges and agrees that all of its
obligations under the Mission Guaranty Agreement, the Mission Guaranty of the
Nexstar Obligations and the Security Documents are reaffirmed and remain in full
force and effect on a continuous basis, (ii) reaffirms each Lien granted by each
Loan Party to the Collateral Agent for the benefit of the Secured Parties and
reaffirms the guaranties made pursuant to the Mission Guaranty Agreement and the
Mission Guaranty of the Nexstar Obligations, (iii) acknowledges and agrees that
the grants of security interests by and the guaranties of the Loan Parties
contained in the Mission Guaranty Agreement, the Mission Guaranty of the Nexstar
Obligations and the Security Documents are, and shall remain, in full force and
effect after giving effect to the Fourth Amendment, and (iv) agrees that all
Obligations are Guaranteed Obligations (as defined in the Guaranties).
 
(c) This Fourth Amendment is a Loan Document under the terms of the Credit
Agreement.
 
§9. Execution in Counterparts.  This Fourth Amendment may be executed in any
number of counterparts and by each party on a separate counterpart, each of
which when so executed and delivered shall be an original, but all of which
together shall constitute one instrument.  In proving this Fourth Amendment, it
shall not be necessary to produce or account for more than one such counterpart
signed by the party against whom enforcement is sought.
 
§10. Interpretation.  This Fourth Amendment, the Credit Agreement and the other
Loan Documents are the result of negotiation among, and have been reviewed by
counsel to, among others, the Administrative Agent and the Borrower and are the
product of discussions and negotiations among all parties.  Accordingly, this
Fourth Amendment, Credit Agreement and the other Loan Documents are not intended
to be construed against the Administrative Agent or any of the Lenders merely on
account of the Administrative Agent's or any Lender's involvement in the
preparation of such documents.
 
§11. Governing Law.  This Fourth Amendment shall be governed by, and construed
in accordance with, the law of the State of New York applicable to agreements
made and to be performed entirely within such state.
 
§12. Miscellaneous.  The captions in this Fourth Amendment are for convenience
of reference only and shall not define or limit the provisions hereof.
 
[Remainder of Page Intentionally Left Blank]
 

 
 

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IN WITNESS WHEREOF, the undersigned have duly executed this Fourth Amendment as
of the date first set forth above.
 
 

  The Borrower:         MISSION BROADCASTING, INC.               By: /s/ Dennis
P. Thatcher    Name: Dennis P. Thatcher   Title: President and Treasurer 

     

 
 
 
 
 
 
 
 

 

[Signature Page to Fourth Amendment to Fourth Amended and Restated Credit
Agreement]
 
 

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  The Administrative Agent:         BANK OF AMERICA, N.A.,   As Administrative
Agent               By: /s/ Don B. Pinzon   Name: Don B. Pinzon   Title: Vice
President

 
 

[Signature Page to Fourth Amendment to Fourth Amended and Restated Credit
Agreement]
 
 

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RATIFICATION OF GUARANTORS AND PLEDGORS
 
Each of the undersigned Guarantors and Pledgors hereby (a) acknowledges and
consents to the foregoing Fourth Amendment and the Mission Entities' execution
thereof; (b) joins the foregoing Fourth Amendment for the purpose of consenting
to and being bound by the provisions thereof, (c) ratifies and confirms all of
their respective obligations and liabilities under the Loan Documents to which
any of them is a party and ratifies and confirms that such obligations and
liabilities extend to and continue in effect with respect to, and continue to
guarantee and secure, as applicable, the Obligations of the Borrower under the
Credit Agreement and (d) acknowledges and confirms that the liens and security
interests granted by such Guarantor or Pledgor, as applicable, pursuant to the
Loan Documents are and continue to be valid and perfected first priority liens
and security interests (subject only to Permitted Liens (as defined in the
Security Agreement)) that secure all of the Obligations on and after the date
hereof.
 
 

  The Borrower:         NEXSTAR BROADCASTING, INC.   NEXSTAR BROADCASTING GROUP,
INC.   NEXSTAR FINANCE HOLDINGS, INC.               By: /s/ Thomas E. Carter   
Name: Thomas E. Carter   Title: Executive Vice President and Chief Financial
Officer

     

 
 

 
 

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  The Pledgors:               /s/ Nancie Smith     Nancie Smith  

              /s/ Dennis P. Thatcher     Dennis P. Thatcher