Exhibit 10.1


 


SECOND AMENDMENT TO


SECOND AMENDED
AND RESTATED CREDIT AGREEMENT


AND
CONSENT OF GUARANTORS


 


This SECOND AMENDMENT TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT AND
CONSENT OF AGENT AND LENDERS (this “Amendment”) is dated as
of November 1, 2005, and entered into by and among FLEETWOOD ENTERPRISES, INC. (“Fleetwood”),
FLEETWOOD HOLDINGS INC. (“Holdings”) and its
Subsidiaries listed on the signature pages hereof (each of Holdings and each
Subsidiary individually, a “Borrower” and, collectively, the “Borrowers”), the
banks and other financial institutions signatory hereto that are parties as
Lenders to the Credit Agreement referred to below (the “Lenders”), and BANK OF AMERICA, N.A., as administrative agent and
collateral agent (in such capacity, the “Agent”) for the Lenders.


 


Recitals


 


Whereas,
Fleetwood, the Borrowers, Fleetwood Retail Corp. and certain subsidiaries, the
Lenders, and the Agent have entered into that certain Second Amended and
Restated Credit Agreement dated as of July 1, 2005, as amended by that certain
First Amendment to Second Amended and Restated Credit Agreement and Consent of
Guarantors dated as of July 22, 2005 (as amended, amended and restated,
extended, supplemented or otherwise modified from time to time, the “Credit Agreement”).  Any terms defined in the Credit Agreement and
not defined in this Amendment are used herein as defined in the Credit
Agreement;


 


Whereas,
the Borrowers have requested an amendment to the Credit Agreement to modify the
minimum EBITDA covenant set forth in Section 7.24 of the Credit Agreement; and


 


Whereas,
the Lenders and the Agent are willing to agree to the amendment requested by the
Borrowers, on the terms and conditions set forth in this Amendment;


 


Now Therefore, in consideration of the premises
and the mutual agreements set forth herein, Fleetwood, the Borrowers, the Lenders,
and the Agent agree as follows:


 


1.     AMENDMENTS TO CREDIT
AGREEMENT.  Subject to the
conditions and upon the terms set forth in this Amendment and in reliance on
the representations and warranties of Fleetwood and the Borrowers set forth in
this Amendment, the Credit Agreement is hereby amended as follows:


 


1.1   Amendment to Section 7.24.  Section 7.24 shall be amended by
deleting such section and replacing it with the following:


 


7.24         Minimum EBITDA.  If a Minimum Liquidity Event shall occur as
of the end of any calendar month, as indicated in any compliance certificate
delivered pursuant to Section 5.2(e), Fleetwood shall be required to
have maintained EBITDA for the most recent


 





















 


period
of single or consecutive Fiscal Quarters (for which an annual or quarterly
compliance certificate has been delivered pursuant to Section 5.2(e)) specified
below and ended on the last day of each Fiscal Quarter set forth below of not
less than the amount set forth below opposite each such period:


 




	
  Period Ending

  	
   

  	
  EBITDA

  	
   

  
	
  Two Fiscal Quarters ended on the last Sunday in
  October 2005

  	
   

  	
  $

  	
  (13,000,000

  	
  )

  
	
  Three Fiscal Quarters ended on the last Sunday in
  January 2006

  	
   

  	
  $

  	
  1,000,000

  	
   

  
	
  Four Fiscal Quarters ended on the last Sunday in
  April 2006

  	
   

  	
  $

  	
  21,000,000

  	
   

  
	
  Four Fiscal
  Quarters ended on the last Sunday in July 2006 and each last Sunday in each
  October, January, April and July thereafter

  	
   

  	
  $

  	
  25,000,000

  	
   

  






 


2.     REPRESENTATIONS AND
WARRANTIES OF FLEETWOOD AND THE BORROWERS. 
In order to induce the Lenders and the Agent to enter into
this Amendment, each of Fleetwood and each Borrower represents and warrants to
each Lender and the Agent that the following statements are true, correct and
complete:


 


2.1   Power and Authority.  Each of Fleetwood, Fleetwood Canada Ltd.,
Fleetwood International, Inc., and each Borrower (collectively, the “Loan
Parties”) has all corporate power and authority to enter into this Amendment
and, as applicable, the Consent of Guarantors attached hereto (the “Consent”),
and to carry out the transactions contemplated by, and to perform its
obligations under or in respect of, the Credit Agreement.


 


2.2   Corporate Action.  The execution and delivery of this Amendment
and the Consent and the performance of the obligations of each Loan Party under
or in respect of the Credit Agreement as amended hereby have been duly
authorized by all necessary corporate action on the part of each of the Loan
Parties.


 


2.3   No Conflict or Violation
or Required Consent or Approval. 
The execution and delivery of this Amendment and the Consent and the
performance of the obligations of each Loan Party under or in respect of the
Credit Agreement as amended hereby do not and will not conflict with or violate
(a) any provision of the governing documents of any Loan Party or any of its
Subsidiaries, (b) any Requirement of Law, (c) any order, judgment or
decree of any court or other governmental agency binding on any Loan Party or
any of its Subsidiaries, or (d) any indenture, agreement or instrument to which
any Loan Party or any of its Subsidiaries is a party or by which any Loan Party
or any of its Subsidiaries, or any property of any of them, is bound, and do
not and will not require any consent or approval of any Person.


 


2.4   Execution, Delivery and
Enforceability.  This
Amendment and the Consent have been duly executed and delivered by each Loan
Party which is a party thereto and are the legal, valid and binding obligations
of such Loan Party, enforceable in accordance with


 


2





















 


their terms, except as enforceability may be affected by
applicable bankruptcy, insolvency, and similar proceedings affecting the rights
of creditors generally, and general principles of equity.  The Agent’s Liens in the Collateral continue
to be valid, binding and enforceable first priority Liens which secure the
Obligations.


 


2.5   No Default or Event of
Default.  No event has
occurred and is continuing or will result from the execution and delivery of
this Amendment or the Consent that would constitute a Default or an Event of
Default.


 


2.6   No Material Adverse
Effect.  No event has
occurred that has resulted, or could reasonably be expected to result, in a
Material Adverse Effect.


 


2.7   Representations and
Warranties.  Each of the
representations and warranties contained in the Loan Documents is and will be
true and correct in all material respects on and as of the date hereof and as
of the effective date of this Amendment, except to the extent that such
representations and warranties specifically relate to an earlier date, in which
case they were true, correct and complete in all material respects as of such
earlier date.


 


3.     CONDITIONS TO
EFFECTIVENESS OF THIS AMENDMENT.  This
Amendment, and the consents and approvals contained herein, shall be effective
only if and when signed by, and when counterparts hereof shall have been
delivered to the Agent (by hand delivery, mail or telecopy) by, Fleetwood, the
Borrowers and each Lender and only if and when each of the following conditions
is satisfied:


 


3.1   Consent of
Guarantors.  Each of the
Guarantors shall have executed and delivered to the Agent the Consent.


 


3.2   No Default or Event of
Default; Accuracy of Representations and Warranties.  No Default or Event of Default shall exist
and each of the representations and warranties made by the Loan Parties herein
and in or pursuant to the Loan Documents shall be true and correct in all
material respects as if made on and as of the date on which this Amendment
becomes effective (except that any such representation or warranty that is
expressly stated as being made only as of a specified earlier date shall be
true and correct as of such earlier date), and the Borrowers shall have
delivered to the Agent a certificate confirming such matters.


 


3.3   Delivery
of Documents.  The Agent
shall have received such documents as the Agent may reasonably request in
connection with this Amendment


 


4.     EFFECTIVE DATE.  This
Amendment shall become effective (the “Effective Date”) on the date of
the satisfaction of the conditions set forth in Section 3.


 


5.     EFFECT OF AMENDMENT;
RATIFICATION.  This Amendment
is a Loan Document.  From and after the
date on which this Amendment becomes effective, all references in the Loan
Documents to the Credit Agreement shall mean the Credit Agreement as amended
hereby.  Except as expressly amended
hereby or waived herein, the Credit Agreement and the other Loan Documents,
including the Liens granted thereunder, shall remain in full force and effect,
and all terms and provisions thereof are hereby ratified and confirmed.


 


3





















 


6.     Each of Fleetwood and the Borrowers
confirms that as amended hereby, each of the Loan Documents is in full force
and effect, and that none of the Loan Parties has any defenses, setoffs or
counterclaims to its Obligations.


 


7.     APPLICABLE LAW.  THE VALIDITY, INTERPRETATIONS AND
ENFORCEMENT OF THIS AMENDMENT AND ANY DISPUTE ARISING OUT OF OR IN CONNECTION
WITH THIS AMENDMENT, WHETHER SOUNDING IN CONTRACT, TORT, EQUITY OR OTHERWISE,
SHALL BE GOVERNED BY THE INTERNAL LAWS AND DECISIONS OF THE STATE OF
CALIFORNIA; PROVIDED THAT THE AGENT AND THE LENDERS SHALL RETAIN ALL RIGHTS
ARISING UNDER FEDERAL LAW.


 


8.     NO WAIVER.  The execution, delivery and
effectiveness of this Amendment does not constitute a waiver of any Default or
Event of Default, amend or modify any provision of any Loan Document except as
expressly set forth herein or constitute a course of dealing or any other basis
for altering the Obligations of any Loan Party, including, without limitation, Section
7.10 (Distributions; Capital Change; Restricted Investments), Section
7.12 (Guaranties), Section 7.13 (Debt), and Section 7.15
(Transactions with Affiliates) of the Credit Agreement.


 


9.     COMPLETE AGREEMENT.  This Amendment sets forth the
complete agreement of the parties in respect of any amendment to any of the
provisions of any Loan Document or any waiver thereof.  The execution, delivery and effectiveness of
this Amendment do not constitute a waiver of any Default or Event of Default,
amend or modify any provision of any Loan Document except as expressly set
forth herein or constitute a course of dealing or any other basis for altering
the Obligations of any Loan Party.


 


10.   CAPTIONS;
COUNTERPARTS.  The catchlines
and captions herein are intended solely for convenience of reference and shall
not be used to interpret or construe the provisions hereof.  This Amendment may be executed by one or more
of the parties to this Amendment on any number of separate counterparts
(including by telecopy), all of which taken together shall constitute but one
and the same instrument.


 


[signatures follow;
remainder of page intentionally left blank]


 


4





















 


IN
WITNESS WHEREOF, each of the undersigned has duly executed
this Second Amendment to Second Amended and Restated Credit Agreement as of the
date set forth above.


 


	
  BORROWERS

  	
   

  	
  FLEETWOOD
  HOLDINGS INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF ARIZONA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF CALIFORNIA,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF FLORIDA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF GEORGIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF IDAHO, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF INDIANA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF KENTUCKY,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF NORTH

  CAROLINA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF OREGON, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF

  PENNSYLVANIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF TENNESSEE,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF TEXAS, L.P.

  
	
   

  	
   

  	
  By:

  	
  FLEETWOOD
  GENERAL PARTNER

  
	
   

  	
   

  	
  OF
  TEXAS, INC., its General Partner

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF VIRGINIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF WASHINGTON,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  MOTOR HOMES OF

  CALIFORNIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  MOTOR HOMES OF

  INDIANA, INC.

  



 


S-1





















 


	
   

  	
   

  	
  FLEETWOOD
  MOTOR HOMES OF

  PENNSYLVANIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  CALIFORNIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  INDIANA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  KENTUCKY, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  MARYLAND, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  OHIO, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  OREGON, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  TEXAS, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  FOLDING TRAILERS, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  GOLD
  SHIELD, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  GOLD
  SHIELD OF INDIANA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  HAUSER
  LAKE LUMBER OPERATION,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  CONTINENTAL
  LUMBER PRODUCTS,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  GENERAL PARTNER OF

  TEXAS, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES INVESTMENT, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
    /s/ Leonard
  J. McGill

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Leonard J. McGill

  
	
   

  	
   

  	
  Title:

  	
  Senior Vice President 

  



 


S-2





















 


	
  GUARANTOR

  	
   

  	
  FLEETWOOD
  ENTERPRISES, INC., as the

  Guarantor

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
    /s/ Leonard J. McGill

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Leonard J. McGill

  
	
   

  	
   

  	
  Title:

  	
  Senior
  Vice President, General Counsel

  and Secretary

  



 


S-3





















 


IN
WITNESS WHEREOF, each of the undersigned has duly executed
this Amendment as of the date set forth above.


 


 


	
   

  	
   

  	
  BANK OF
  AMERICA, N.A., as the Agent and

  as a Lender

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
    /s/ John McNamara

  	
   

  
	
   

  	
   

  	
  Name:

  	
  John McNamara

  
	
   

  	
   

  	
  Title:

  	
  Vice President

  



 


S-4





















 


	
   

  	
   

  	
  GENERAL
  ELECTRIC CAPITAL

  CORPORATION, as a Lender

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
    /s/ Dwayne
  L. Coker

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Dwayne L. Coker

  
	
   

  	
   

  	
  Title:

  	
  Duly Authorized
  Signatory

  



 


S-5





















 


	
   

  	
   

  	
  WELLS
  FARGO FOOTHILL, INC., fka

  FOOTHILL CAPITAL CORPORATION, as

  a Lender

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
    /s/ Maged Ghebrial

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Maged Ghebrial

  
	
   

  	
   

  	
  Title:

  	
  Vice President

  



 


S-6





















 


	
   

  	
   

  	
  THE CIT
  GROUP/BUSINESS CREDIT,

  INC., as
  a Lender

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
   

  	
   

  
	
   

  	
   

  	
  Name:

  	
   

  
	
   

  	
   

  	
  Title:

  	
   

  



 


S-7










 













 


	
   

  	
   

  	
  TEXTRON
  FINANCIAL CORPORATION.,

  as a Lender

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
   

  	
   

  
	
   

  	
   

  	
  Name:

  	
   

  
	
   

  	
   

  	
  Title:

  	
   

  



 


S-8





















 


CONSENT
OF GUARANTORS


 


Each of the undersigned is a Guarantor of the
Obligations of the Borrowers under the Credit Agreement and hereby
(a) consents to the foregoing Amendment, (b) acknowledges that
notwithstanding the execution and delivery of the foregoing Amendment, the
obligations of each of the undersigned Guarantors are not impaired or affected
and the Guaranties continue in full force and effect, and (c) ratifies its
Guaranty and each of the Loan Documents to which it is a party.


 


IN
WITNESS WHEREOF, each of the undersigned has executed and delivered this
CONSENT OF GUARANTORS as of the 1st day of November, 2005. 


 


	
  BORROWERS

  	
   

  	
  FLEETWOOD
  HOLDINGS INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF ARIZONA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF CALIFORNIA,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF FLORIDA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF GEORGIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF IDAHO, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF INDIANA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF KENTUCKY,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF NORTH

  CAROLINA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF OREGON, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF

  PENNSYLVANIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF TENNESSEE,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF TEXAS, L.P.

  
	
   

  	
   

  	
  By:

  	
  FLEETWOOD
  GENERAL PARTNER

  
	
   

  	
   

  	
  OF
  TEXAS, INC., its General Partner

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  HOMES OF VIRGINIA, INC.

  



 


S-9





















 


	
   

  	
   

  	
  FLEETWOOD
  HOMES OF WASHINGTON,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  MOTOR HOMES OF

  CALIFORNIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  MOTOR HOMES OF

  INDIANA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  MOTOR HOMES OF

  PENNSYLVANIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  CALIFORNIA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  INDIANA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  KENTUCKY, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  MARYLAND, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  OHIO, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  OREGON, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  TRAVEL TRAILERS OF

  TEXAS, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  FOLDING TRAILERS, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  GOLD
  SHIELD, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  GOLD
  SHIELD OF INDIANA, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  HAUSER
  LAKE LUMBER OPERATION,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  CONTINENTAL
  LUMBER PRODUCTS,

  INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  FLEETWOOD
  GENERAL PARTNER OF

  TEXAS, INC.

  



 


S-10





















 


	
   

  	
   

  	
  FLEETWOOD
  HOMES INVESTMENT, INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
    /s/ Leonard J. McGill

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Leonard J. McGill

  
	
   

  	
   

  	
  Title:

  	
  Senior
  Vice President

  



 


S-11





















 


	
  OTHER
  GUARANTORS

  	
   

  	
  FLEETWOOD
  ENTERPRISES, INC.

  
	
   

  	
   

  	
  FLEETWOOD
  CANADA LTD.

  
	
   

  	
   

  	
  FLEETWOOD
  INTERNATIONAL INC.

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  By:

  	
    /s/ Leonard J. McGill

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Leonard J. McGill

  
	
   

  	
   

  	
  Title:

  	
  Senior
  Vice President

  



 


S-12