# EDGAR Filing Document

**Accession Number:** 0000040211
**File Stem:** 0001193125-25-154017
**Filing Date:** 2025-7
**Character Count:** 18034
**Document Hash:** a699589274150239319470513569fc28
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-154017.hdr.sgml**: 20250701

**ACCESSION NUMBER**: 0001193125-25-154017

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20250630

**ITEM INFORMATION**: Entry into a Material Definitive Agreement

**ITEM INFORMATION**: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250701

**DATE AS OF CHANGE**: 20250701

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GATX CORP
- **CENTRAL INDEX KEY:** 0000040211
- **STANDARD INDUSTRIAL CLASSIFICATION:** TRANSPORTATION SERVICES [4700]
- **ORGANIZATION NAME:** 01 Energy & Transportation
- **EIN:** 361124040
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-02328
- **FILM NUMBER:** 251096543

**BUSINESS ADDRESS:**
- **STREET 1:** 233 SOUTH WACKER DRIVE
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60606-7147
- **BUSINESS PHONE:** 3126216200

**MAIL ADDRESS:**
- **STREET 1:** 233 SOUTH WACKER DRIVE
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60606-7147

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GENERAL AMERICAN TRANSPORTATION CORP
- **DATE OF NAME CHANGE:** 19750722

?xml version='1.0' encoding='ASCII'? 8-K

### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

### FORM 8-K

#### CURRENT REPORT

#### PURSUANT TO SECTION 13 OR 15(d)

#### OF THE SECURITIES EXCHANGE ACT OF 1934

#### Date of report (Date of earliest event reported): June 30, 2025

## GATX Corporation

#### (Exact name of registrant as specified in its charter)

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| | | |
|:---|:---|:---|
| **New York** | **1-2328** | **36-1124040** |
| **(State or other jurisdiction<br>of incorporation)** | **(Commission<br>File Number)** | **(IRS Employer<br>Identification No.)** |

---

#### 233 South Wacker Drive

#### Chicago, Illinois 60606-7147

#### (Address of principal executive offices, including zip code)
(312) 621-6200

#### (Registrant's telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| **Title of Each Class** | **Trading<br>Symbol(s)** | **Name of Each Exchange**<br> **on Which Registered** |
| Common Stock | GATX | New York Stock Exchange |
|  |  | Chicago Stock Exchange |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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| | |
|:---|:---|
| **Item 1.01** | **Entry into a Material Definitive Agreement**  |

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On June 30, 2025, GATX Corporation (the "Company") entered into a Commitment Increase Supplement (the "Supplement") among the Company, M&T Bank, as increasing lender (the "Increasing Lender"), PNC Bank, National Association, as issuing bank, U.S. Bank National Association, as issuing bank, and Citibank, N.A., as swing line bank and as administrative agent, to its existing Five Year Credit Agreement, dated as of May 21, 2024 (as amended, supplemented, or otherwise modified from time to time, the "Credit Agreement"), among the Company, Citibank, N.A. and BofA Securities, Inc., as joint lead arrangers and joint book managers, the lenders party thereto, and Citibank, N.A., as administrative agent. Pursuant to the Supplement, the Increasing Lender made a revolving credit commitment in an amount of $32 million to the Company. As a result of this increase, the aggregate revolving credit commitments of all lenders under the Credit Agreement increased from $600 million to $632 million.

The foregoing description of the Supplement is a summary and is qualified in its entirety by reference to the full text of the Supplement, which is attached as Exhibit 10.1 to this Current Report on Form 8-K and is incorporated herein by reference.

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| | |
|:---|:---|
| **Item 2.03** | **Creation of a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant.**  |

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The information provided in Item 1.01 of this Current Report on Form 8-K is incorporated in this Item 2.03 by reference.

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| | |
|:---|:---|
| **Item 9.01.** | **Financial Statements and Exhibits.**  |

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(d) Exhibits

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| | |
|:---|:---|
| **Exhibit**<br> **No.** | **Description** |
| 10.1 | [Commitment Increase Supplement, dated as of June 30, 2025, by and among GATX Corporation, M&T Bank as Increasing Lender, the additional parties thereto and Citibank, N.A., as Administrative Agent.](d917550dex101.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document). |

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#### SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| |
|:---|
| GATX CORPORATION |
| (Registrant) |
| /s/ Thomas A. Ellman |
| Thomas A. Ellman<br> *Executive Vice President and Chief Financial Officer* |

---

Date: July 1, 2025

## Exhibit 10.1

**Exhibit 10.1** 

**EXECUTION VERSION** 

<u>COMMITMENT INCREASE SUPPLEMENT</u> 

June 30, 2025

Citibank, N.A., as Administrative Agent

for the Lenders referred to below

One Penns Way, Building Ops II

New Castle, Delaware 19720

Attention: Agency Operations

Ladies and Gentlemen:

The undersigned, GATX corporation, a New York corporation ("<u>we</u>" or the "<u>Company</u>"), refers to the Five Year Credit Agreement, dated as of May 21, 2024 (as the same may be amended, supplemented, modified, renewed or replaced from time to time, the "<u>Credit Agreement</u>"), among the Company, the Lenders and the Issuing Banks party thereto and Citibank, N.A., as administrative agent (in such capacity, the "<u>Administrative Agent</u>"). Capitalized terms used herein and not otherwise defined herein shall have the meanings assigned to such terms in the Credit Agreement.

The Person identified on **Schedule 1** hereto (the "<u>Increasing Lender</u>"), the Administrative Agent, the Swing Line Bank, each Issuing Bank and the Company hereby agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) As of the Effective Date (as defined below), the Increasing Lender hereby makes a Revolving Credit Commitment to the Company in the principal amount set forth in **Schedule 1** hereto opposite its name (the "<u>Increased Commitment</u>"). From and after the Effective Date, the Increasing Lender will be a Lender under the Credit Agreement with respect to the Increased Commitment. The Termination Date with respect to the Increased Commitment shall be May 21, 2030.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Notwithstanding anything to the contrary in Section 2.18(a) of the Credit Agreement, each party hereto waives any requirement for the delivery of a notice to the Administrative Agent or any requirement that the Commitment Increase be in the amount of $10,000,000 or an integral multiple of $1,000,000 in excess thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) As required by Section 3.02 of the Credit Agreement, the Company hereby confirms that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the representations and warranties contained in Section 4.01 of the Credit Agreement (except the representations set forth in subsection (d)(ii) thereof and in subsection (f) thereof) are correct on and as of the Effective Date, before and after giving effect to the Commitment Increase contemplated by this Commitment Increase Supplement, as though made on and as of the Effective Date, except to the extent such representation or warranty related to a specific earlier date, in which case such representation or warranty shall have been true and correct as of such earlier date, and

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) no event has occurred and is continuing, or would result from the Commitment Increase contemplated by this Commitment Increase Supplement, that constitutes a Default.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The Company hereby instructs the Administrative Agent to notify each of the Lenders of the effectiveness of the Commitment Increase implemented hereby by providing each such Lender with a copy of this Commitment Increase Supplement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) The Administrative Agent (a) 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 with respect to the execution, legality, validity, enforceability, genuineness, sufficiency or value of, or the perfection or priority of any lien or security interest created or purported to be created under or in connection with, the Credit Agreement or any other instrument or document furnished pursuant thereto and (b) makes no representation or warranty and assumes no responsibility with respect to the financial condition of the Company or the Lenders or the performance or observance by the Company or the Lenders of any of their respective obligations under the Credit Agreement or any other instrument or document furnished pursuant hereto or thereto. Upon the request of the Increasing Lender, the Company will issue a Note payable to the Increasing Lender in an amount which reflects the aggregate Revolving Credit Commitment of the Increasing Lender after giving effect to this Commitment Increase Supplement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) The Increasing Lender (i) represents and warrants that it is legally authorized to enter into this Commitment Increase Supplement; (ii) confirms that it has received a copy of the Credit Agreement, together with copies of the most recent financial statements delivered pursuant to subsections 5.01(a)(i) and 5.01(a)(ii) thereof (or if none of such financial statements shall have then been delivered, then copies of the financial statements referred to in Section 4.01(d) thereof) and such other documents and information as it has deemed appropriate to make its own credit analysis and decision to enter into this Commitment Increase Supplement; (iii) agrees that it will, independently and without reliance upon the Administrative 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 the Credit Agreement or any other instrument or document furnished hereto or thereto; (iv) appoints and authorizes the Administrative Agent to take such action as agent on its behalf and to exercise such powers and discretion under the Credit Agreement or any other instrument or document furnished pursuant thereto as are delegated to the Administrative Agent by the terms thereof, together with such powers as are reasonably incidental thereto; (v) agrees that it will be bound by the provisions of the Credit Agreement and will perform in accordance with its terms all the obligations which by the terms of the Credit Agreement are required to be performed by it as a Lender; and (vi) if the Increasing Lender is organized under the laws of a jurisdiction other than the United States of America or any state thereof, the Increasing Lender, concurrently with the Effective Date, (i) represents (for the benefit of the Administrative Agent and the Company) that under applicable law and treaties no taxes will be required to be withheld by the Administrative

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Agent or the Company with respect to any payments to be made to the Increasing Lender in respect of the Advances, (ii) furnishes to the Administrative Agent either U.S. Internal Revenue Service Form W-8BEN or W-8BEN-E or U.S. Internal Revenue Service Form W-8ECI or successor applicable form (wherein the Increasing Lender claims entitlement to complete exemption from U.S. federal withholding tax on all interest payments hereunder) and (iii) agrees (for the benefit of the Administrative Agent and the Company) to provide the Administrative Agent a new Form W-8BEN or W-8BEN-E or Form W-8ECI or successor applicable form upon the expiration or obsolescence of any previously delivered form and comparable statements in accordance with applicable U.S. laws and regulations and amendments duly executed and completed by the Increasing Lender, and to comply from time to time with all applicable U.S. laws and regulations with regard to such withholding tax exemption.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) The effective date of this Commitment Increase Supplement shall be the Effective Date of Increased Commitment described in **Schedule 1** hereto (subject to the conditions set forth in Sections 2.18 and 3.02 of the Credit Agreement, the "<u>Effective Date</u>"). Following the execution and delivery of, and the consent by the Company and the Administrative Agent to, this Commitment Increase Supplement, it will be delivered to the Administrative Agent for acceptance by it and recording by the Administrative Agent pursuant to the Credit Agreement, effective as of the Effective Date (which shall not, unless otherwise agreed to by the Administrative Agent, be earlier than five Business Days after the date of such acceptance and recording by the Administrative Agent).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) Upon such acceptance and recording, from and after the Effective Date, the Administrative Agent shall make all payments in respect of the Increased Commitment (including payments of principal, interest, facility fees and other amounts) to the Increasing Lender for amounts which has accrued on and subsequent to the Effective Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) From and after the Effective Date, the Increasing Lender shall be a party to the Credit Agreement with respect to the Increased Commitment and any then-existing Revolving Credit Commitment made by it under the Credit Agreement and, to the extent provided in this Commitment Increase Supplement, have the rights and obligations of a Lender thereunder and shall be bound by the provisions thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j) THIS COMMITMENT INCREASE SUPPLEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

IN WITNESS WHEREOF, the parties hereto have caused this Commitment Increase Supplement to be executed as of the date first above written by their respective duly authorized officers on **Schedule 1** hereto.

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Schedule 1

to Commitment Increase Supplement

Effective Date of the Increased Commitment: June 30, 2025

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| | | |
|:---|:---|:---|
| Name of Increasing Lender | Principal Amount<br>of Increased<br>Commitment | Total Amount of<br>Commitment (Including<br>Increased Commitment)<br>of Increasing Lender |
|  M&T BANK | $32000000.00 | $32000000.00 |

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| | |
|:---|:---|
| CITIBANK, N.A., as Swing Line Bank | CITIBANK, N.A., as Swing Line Bank |
| By: | /s/ Richard Rivera |
| Name: | Richard Rivera |
| Title: | Vice President |
| PNC BANK, NATIONAL ASSOCIATION, as Issuing Bank | PNC BANK, NATIONAL ASSOCIATION, as Issuing Bank |
| By: | /s/ Hannah Gold |
| Name: | Hannah Gold |
| Title: | Assistant Vice President |
| U.S. BANK NATIONAL ASSOCIATION, as Issuing Bank | U.S. BANK NATIONAL ASSOCIATION, as Issuing Bank |
| By: | /s/ Andrew C. Beckman |
| Name: | Andrew C. Beckman |
| Title: | Senior Vice President |
| M&T BANK, as Increasing Lender | M&T BANK, as Increasing Lender |
| By: | /s/ Mark Wolfram |
| Name: | Mark Wolfram |
| Title: | Senior Vice President |

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Schedule 1 - 1

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Aggregate Revolving Credit Commitments

of all Lenders (including the Increased Commitment): $632,000,000.00

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| | | | |
|:---|:---|:---|:---|
| | | Accepted: | Accepted: |
| GATX CORPORATION | GATX CORPORATION | CITIBANK, N.A., as Administrative Agent | CITIBANK, N.A., as Administrative Agent |
| By: | /s/ Jennifer Van Aken | By: | /s/ Richard Rivera |
| Name: | Jennifer Van Aken | Name: | Richard Rivera |
| Title: | Senior Vice President, Treasurer and Chief Risk Officer | Title: | Vice President |

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Schedule 1 - 2