Document:

Exhibit
10.2

FIRST
AMENDMENT TO CREDIT AGREEMENT

THIS
FIRST AMENDMENT TO CREDIT AGREEMENT (this “Amendment”) is entered into as of
March 22, 2007, among UNIVERSAL AMERICAN
FINANCIAL CORP., a New York corporation (the “Borrower”),
the Banks party to the Credit Agreement (hereinafter defined) and BANK OF AMERICA, N.A., as the Administrative Agent for the
Banks.

The
Borrower, the Banks and the Administrative Agent are party to the Amended and
Restated Credit Agreement dated as of January 18, 2007 (the “Credit Agreement”), and
have agreed, upon the following terms and conditions, to amend the Credit
Agreement in certain respects. 
Accordingly, for valuable and acknowledged consideration, the Borrower,
the Banks and the Administrative Agent agree as follows:

1.             Terms and
References.  Unless
otherwise stated in this Amendment, (a) terms defined in the Credit Agreement
have the same meanings when used in this Amendment and (b) references to “Sections” are to the Credit
Agreement’s sections.

2.             Amendment.   The definition of “Trust Preferred
Securities” in Section 9 is amended to read in its entirety as follows:

“Trust
Preferred Securities” shall mean (i) the Floating Rate Junior Subordinated
Deferrable Interest Debentures issued by the Borrower pursuant to the Indenture
dated as of December 4, 2002 (as amended, modified or supplemented from
time to time), between the Borrower and State Street Bank and Trust Company of
Connecticut, National Association, as trustee, and the guaranty executed in
connection therewith, (ii) the Floating Rate Junior Subordinated Deferrable
Interest Debentures issued by the Borrower pursuant to the Indenture dated as
of March 27, 2003 (as amended, modified or supplemented from time to time),
between the Borrower and Wells Fargo Bank, National Association, as trustee,
and the guaranty executed in connection therewith, (iii) the Fixed/Floating
Rate Junior Subordinated Deferrable Interest Debentures issued by the Borrower
pursuant to the Indenture dated as of May 15, 2003 (as amended, modified or
supplemented from time to time), between the Borrower and U.S. Bank National
Association, as debenture trustee, and the guaranty executed in connection
therewith, (iv) the Floating Rate Junior Subordinated Debt Securities issued by
the Borrower pursuant to the Indenture dated as of May 22, 2003 (as
amended, modified or supplemented from time to time), between the Borrower and
the Wilmington Trust Company, as trustee, and the guaranty executed in
connection therewith, (v) the Floating Rate Junior Subordinated Deferrable
Interest Debentures issued by the Borrower pursuant to the Indenture dated as
of October 29, 2003 (as amended, modified or supplemented from time to
time), between the Borrower and U.S. Bank National Association, as debenture
trustee, and the guaranty executed in connection therewith and (vi) any
floating rate or fixed rate junior subordinated deferrable interest debentures
in an aggregate amount up to $100,000,000 (minus the aggregate net cash
proceeds in excess of $50,000,000 of any issuances on or after March 22, 2007
by the Borrower of its capital stock or other equity securities that is
permitted by Section 7.15), issued by the Borrower on or after March 22, 2007
pursuant to an indenture and guaranty executed in connection therewith having
terms (including subordination provisions, redemption or prepayment rights or
obligations, tenor, deferral of interest rights, covenants and defaults) no
less

First Amendment to Credit Agreement

 1
 

favorable
to the Banks than those set forth in the Trust Preferred Securities described
in clause (i) preceding as such Trust Preferred Securities are in effect on May
28, 2004.

3.             Conditions
Precedent to Effectiveness of Amendment.  This Amendment shall not be effective until
the Administrative Agent receives: (a) counterparts of this Amendment executed
by the Borrower, the Subsidiary Guarantors, the requisite Banks and the
Administrative Agent; (b) payment of
all expenses, including legal fees and expenses of counsel to the
Administrative Agent, incurred by the Administrative Agent in connection with
this Amendment, to the extent invoiced to the Borrower on or prior to the date
hereof; and (c) such other agreements, documents, instruments and items as the
Administrative Agent may reasonably request, including, without limitation,
documents evidencing the due authorization of the execution, delivery and
performance by the Borrower and each of the Subsidiary Guarantors of this
Amendment, the incumbency of the officer of the Borrower and each of the
Subsidiary Guarantors executing this Amendment, and any other matters relevant
thereto.

4.             Representations.  The
Borrower represents and warrants to the Administrative Agent and the
Banks as follows:  (a) the execution,
delivery and performance by the Borrower of this Amendment and the Credit
Agreement, as amended hereby, have been duly authorized by all necessary
corporate action; (b) all representations and warranties made or deemed made by
the Borrower in the Credit Documents are true and correct as of the date
hereof, except to the extent that such representations and warranties expressly
relate solely to an earlier date (in which case such representations and
warranties were true and accurate on and as of such earlier date) and except
for changes in factual circumstances not prohibited by the Credit Agreement;
and (c) no Default or Event of Default has occurred and is continuing as of the
date hereof.

5.             Effect of Amendment.  This Amendment is a Credit Document.  Except as expressly modified and amended by
this Amendment, all of the terms, provisions and conditions of the Credit
Documents shall remain unchanged and in full force and effect.  If any part of this Amendment is for any
reason found to be unenforceable, all other portions of it shall nevertheless
remain enforceable.  The Credit Documents
and any and all other documents heretofore, now or hereafter executed and
delivered pursuant to the terms of the Credit Agreement are hereby amended so
that any reference to the Credit Agreement shall mean a reference to the Credit
Agreement as amended hereby.

6.             Expenses.  The
Borrower shall pay all reasonable fees and expenses paid or incurred by the
Administrative Agent incident to this Amendment, including, without limitation,
the reasonable fees and expenses of the Administrative Agent’s counsel in
connection with the negotiation, preparation, delivery and execution of this
Amendment and any related documents.

7.             Governing Law.  This
Amendment shall be governed by and construed in accordance with and be governed
by the laws of the State of New York, without regard to conflict of laws
principles.

8.             Counterparts.  This
Amendment may be executed in any number of counterparts and by the parties
hereto in separate counterparts, each of which when so executed and delivered
shall be deemed to be an original and all of which taken together shall
constitute one and the same instrument.

9.             ENTIRETY.  THIS AMENDMENT, THE CREDIT AGREEMENT, AND THE
OTHER CREDIT DOCUMENTS EMBODY THE ENTIRE AGREEMENT BETWEEN THE PARTIES AND
SUPERCEDE ALL PRIOR AGREEMENTS AND UNDERSTANDINGS, IF ANY, RELATING TO THE
SUBJECT MATTER HEREOF.  THESE CREDIT
DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE

 2
 

CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR
SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES.

10.           Parties.  This Amendment binds and inures to the
benefit of the Borrower, the Subsidiary Guarantors, the Administrative Agent,
the Banks and their respective permitted successors and assigns.

[REMAINDER OF PAGE INTENTIONALLY BLANK.

SIGNATURE PAGES FOLLOW.]

 3

Signature Page to that
certain First Amendment to Credit Agreement dated as of the date first set
forth above, among Universal American Financial Corp., as the Borrower, Bank of
America, N.A., as the Administrative Agent, and certain Banks party thereto.

	
  UNIVERSAL
  AMERICAN FINANCIAL

  CORP., as the
  Borrower

  	
   

  
	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
   

  	
  /s/
  Robert A. Waegelein

  	
   

  	
   

  	
   

  
	
   

  	
  Name:

  	
  Robert
  A. Waegelein

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Title:

  	
  Executive
  Vice President &

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Chief
  Financial Officer

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  BANK OF
  AMERICA, N.A., as a
  Bank and as

  the Administrative Agent

  	
   

  
	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
   

  	
  /s/
  Joseph L. Corah

  	
   

  	
   

  	
   

  
	
   

  	
  Name:

  	
  Joseph
  L. Corah

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Title:

  	
  Senior
  Vice President

  	
   

  	
   

  	
   

  	
   

  	
   

  
									

 

Signature Page to First Amendment to Credit Agreement

To induce the Administrative
Agent and the Banks to enter into this Amendment, the undersigned consent and
agree (a) to its execution and delivery and terms and conditions thereof, (b)
that this document in no way releases, diminishes, impairs, reduces, or
otherwise adversely affects any Liens, Subsidiary Guaranties, assurances, or
other obligations or undertakings of any of the undersigned under any Credit
Documents, and (c) that this Amendment binds each of the undersigned and its
successors and permitted assigns and inures to the benefit of the
Administrative Agent, the Banks, and their respective successors and permitted
assigns.

	
  WORLDNET SERVICES CORP., as a

  Guarantor

  	
  HERITAGE HEALTH SYSTEMS OF TEXAS,

  INC., as a Guarantor

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
   

  	
  /s/
  Robert A. Waegelein

  	
   

  	
  By:

  	
   

  	
  /s/
  Theodore M. Carpenter, Jr.

  	
   

  
	
   

  	
  Name:

  	
  Robert
  A. Waegelein

  	
   

  	
  Name:

  	
  Theodore
  M. Carpenter, Jr.

  
	
   

  	
  Title:

  	
  Chief
  Financial Officer

  	
   

  	
  Title:

  	
  President

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  UNIVERSAL AMERICAN FINANCIAL

  SERVICES, INC., as a Guarantor

  	
  HHS TEXAS MANAGEMENT, INC.,
  as a

  Guarantor

  
	
   

  	
   

  
	
   

  	
   

  
	
  By:

  	
   

  	
  /s/
  Robert A. Waegelein

  	
   

  	
  By:

  	
   

  	
  /s/
  Steven C. Holman

  	
   

  
	
   

  	
  Name:

  	
  Robert
  A. Waegelein

  	
   

  	
  Name:

  	
  Steven
  C. Holman

  
	
   

  	
  Title:

  	
  President

  	
   

  	
  Title:

  	
  Secretary

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  QUINCY COVERAGE CORPORATION,
  as a

  Guarantor

  	
  CHCS SERVICES INC.,
  as a Guarantor

  
	
   

  	
   

  
	
   

  	
   

  
	
  By:

  	
   

  	
  /s/
  Robert A. Waegelein

  	
   

  	
  By:

  	
   

  	
  /s/
  Robert A. Waegelein

  	
   

  
	
   

  	
  Name:

  	
  Robert
  A. Waegelein

  	
   

  	
  Name:

  	
  Robert
  A. Waegelein

  
	
   

  	
  Title:

  	
  President

  	
   

  	
  Title:

  	
  Executive
  Vice President

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  HERITAGE HEALTH SYSTEMS, INC.,
  as a

  Guarantor

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
  By:

  	
   

  	
  /s/
  Steven C. Holman

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Name:

  	
  Steven
  C. Holman

  	
   

  	
   

  	
   

  
	
   

  	
  Title:

  	
  Assistant
  Secretary

  	
   

  	
   

  	
   

  

 

Signature Page to First Amendment to Credit Agreement

 

	
  PSO MANAGEMENT OF TEXAS, LLC, as a

  Guarantor

  	
  HHS TEXAS MANAGEMENT, L.P.,
  as a

  Guarantor

  
	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  By:

  	
  HHS Texas Management, Inc.,
  its

  
	
  By:

  	
   

  	
  /s/ Steven C. Holman

  	
   

  	
   

  	
  general partner

  
	
   

  	
  Name:

  	
  Steven
  C. Holman

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Title:

  	
  Vice
  President

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
  By:

  	
   

  	
  /s/ Steven C. Holman

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
  Name:

  	
  Steven C. Holman

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
  Title:

  	
  Secretary

  
									

 

Signature Page to First Amendment to Credit AgreementEXHIBIT 10.28

AMENDMENT
NO. 1

AMENDMENT NO. 1 (this “Amendment”),
dated as of May 4, 2007, to that certain CREDIT AGREEMENT, dated as of June 16,
2006, among JACOBS ENTERTAINMENT, INC., a Delaware corporation (“Borrower”),
the Lenders from time to time party thereto, CREDIT SUISSE SECURITIES (USA) LLC
and CIBC WORLD MARKETS CORP., as Joint
Lead Arrangers and Joint Bookrunners, CREDIT SUISSE, CAYMAN ISLANDS BRANCH, as
issuing bank, collateral agent and administrative agent (in such capacity, the “Administrative
Agent”), CIBC WORLD MARKETS CORP., as syndication agent, CIT LENDING SERVICES
CORPORATION, as co-documentation agent, and WELLS FARGO BANK, NATIONAL
ASSOCIATION, as co-documentation agent and swingline lender (as amended,
supplemented or otherwise modified through the date hereof, the “Credit
Agreement;” capitalized terms used herein without definition herein having the
meanings assigned thereto therein).

WITNESSETH:

WHEREAS, Borrower desires to
make certain amendments to the Credit Agreement, subject to the terms and
conditions below;

WHEREAS, pursuant to Section
10.02 of the Credit Agreement the Required Lenders desire to enter into this
Amendment;

NOW, THEREFORE, in
consideration of the foregoing, and for other good and valuable consideration,
the receipt and sufficiency of which are hereby acknowledged, the parties
hereto hereby agree as follows:

SECTION ONE - Amendment. Subject to the satisfaction of the
conditions set forth in Section Two hereof:

(a)           Section 6.04(k) of the Credit Agreement is amended in its
entirety to read as follows:

“(i)          other Investments in an aggregate amount not to exceed
$7,000,000 at any time outstanding;”

(b)           Section 6.10(a) of the Credit Agreement is amended in its
entirety to read as follows:

“(a)         Maximum Total Leverage Ratio. Permit the Total
Leverage Ratio, at the last day of any Test Period during any period set forth
in the table below, to exceed the ratio set forth opposite such period in the
table below:

 

	
  Test Period

  	
   

  	
  Leverage Ratio

  
	
  July 1, 2006 -
  December 31, 2006

  	
   

  	
  6.50 to 1.0

  
	
  January 1, 2007
  - June 30, 2007

  	
   

  	
  6.75 to 1.0

  
	
  July 1, 2007 -
  December 31, 2007

  	
   

  	
  6.50 to 1.0

  
	
  January 1, 2008
  - December 31, 2008

  	
   

  	
  6.25 to 1.0

  
	
  January 1, 2009
  - December 31, 2009

  	
   

  	
  6.00 to 1.0

  
	
  January 1, 2010 –
  December 31, 2010

  	
   

  	
  5.50 to 1.0

  
	
  January 1, 2011
  and thereafter

  	
   

  	
  5.00 to 1.0

  

 

(c)           Section 6.10(b) of the Credit Agreement is amended in its
entirety to read as follows:

“(b)         Maximum Senior Secured Leverage Ratio. Permit the
Senior Secured Leverage Ratio, at the last day of any Test Period during any
period set forth in the table below, to exceed the ratio set forth opposite
such period in the table below.

	
  Test Period

  	
   

  	
  Senior

  Leverage Ratio

  
	
  July 1, 2006 -
  December 31, 2006

  	
   

  	
  1.50 to 1.0

  
	
  January 1, 2007
  - June 30, 2007

  	
   

  	
  1.75 to 1.0

  
	
  July 1, 2007 -
  December 31, 2007

  	
   

  	
  1.50 to 1.0

  
	
  January 1, 2008
  - December 31, 2008

  	
   

  	
  1.25 to 1.0

  
	
  January 1, 2009
  and thereafter

  	
   

  	
  1.00 to 1.0

  

 

(d)           Section 6.10(c) of the Credit Agreement is amended in its
entirety to read as follows:

“(c)         Minimum Interest Coverage Ratio. Permit the
Consolidated Interest Coverage Ratio, for any Test Period ending during any
period set forth in the table below, to be less than the ratio set forth
opposite such period in the table below:

	
  Test Period

  	
   

  	
  Interest

  Coverage Ratio

  
	
  July 1, 2006 -
  December 31, 2006

  	
   

  	
  1.75 to 1.0

  
	
  January 1, 2007
  - September 30, 2007

  	
   

  	
  1.50 to 1.0

  
	
  October 1, 2007
  - December 31, 2008

  	
   

  	
  1.75 to 1.0

  
	
  January 1, 2009
  - December 31, 2009

  	
   

  	
  1.80 to 1.0

  
	
  January 1, 2010 –
  December 31, 2010

  	
   

  	
  1.90 to 1.0

  
	
  January 1, 2011
  and thereafter

  	
   

  	
  2.00 to 1.0

  

 

SECTION TWO - Amendment Fee. In consideration of the agreements of the
Required Lenders contained in this Agreement, Borrower agrees to pay to the
Administrative Agent, for the account of each Lender that delivers an executed
counterpart of this Amendment prior to 5:00 p.m., New York City time, on May 4,
2007, an amendment fee (the “Amendment Fee”)  equal to 12.5 basis
points (i.e. 0.125%) on the aggregate amount of the Revolving Commitment and
outstanding Tranche B Loans of such Lender.

SECTION THREE - Conditions
to Effectiveness.
This Amendment shall become effective when, and only when (a) the
Administrative Agent shall have received (i) counterparts of this Amendment
that, when taken together, bear the signatures of Borrower and the Required
Lenders and (ii) the Amendment Fee, (b) the representations and warranties set
forth in Section 4 hereof are true and correct and (c) all fees and expenses required
to be paid or reimbursed by Borrower pursuant hereto or to the Credit Agreement
or otherwise, including all invoiced fees and expenses of counsel to the
Agents, shall have been paid or reimbursed, as applicable.

SECTION FOUR -
Representations and Warranties; Covenants. In order to induce the Required Lenders to
enter into this Amendment, Borrower represents and warrants to each of the
Lenders and the Agents that after giving effect to this Amendment, (x) no
Default or Event of Default has occurred and is continuing under the Credit
Agreement; and (y) the representations and warranties made by Borrower in the
Credit Agreement are true and correct in all material respects (except that any
representation or warranty that is qualified as to “materiality” or “Material
Adverse Effect” is true and correct in all respects) on and as of the date
hereof with the same effect as if made on and as of the date hereof (or, if any
such representation or warranty is expressly stated to have been made as of a
specific date, as of such specific date).

SECTION FIVE - Reference to
and Effect on the Credit Agreement. On and after the effectiveness of this Amendment, each reference in
the Credit Agreement to “this Agreement,” “hereunder,” “hereof” or words of
like import referring to the Credit Agreement shall mean and be a reference to
the Credit Agreement, as amended by this Amendment. The Credit Agreement as
specifically amended by this Amendment is and shall continue to be in full
force and effect and is hereby in all respects ratified and confirmed. The
execution, delivery and effectiveness of this Amendment shall not, except as
expressly provided herein, operate as an amendment or waiver of any right,
power or remedy of any Lender or any Agent under the Credit Agreement, nor
constitute an amendment or waiver of any provision of the Credit
Agreement.  This Amendment shall
constitute a Loan Document for all purposes.

SECTION SIX - Costs.
Expenses and Taxes.
Borrower agrees to pay all reasonable costs and expenses of the Agents in
connection with the preparation, execution and delivery of this Amendment
(including, without limitation, the reasonable fees and expenses of Cahill
Gordon & Reindel UP), if any, in accordance with the terms of Section 10.03
of the Credit Agreement.

SECTION SEVEN - Execution in
Counterparts. This
Amendment may be executed in counterparts (and by different parties hereto in
different counterparts) each of which shall constitute an original, but all of
which taken together shall constitute a single agreement.  Delivery of an executed counterpart of a
signature page to this Amendment by facsimile or “.pdf” file shall be effective
as delivery of a manually executed counterpart of this Amendment.

SECTION EIGHT - Governing
Law. This Amendment
shall be governed by, and construed in accordance with, the laws of the State
of New York, without regard to conflicts of law principles that would require
the application of the laws of another jurisdiction.

IN WITNESS WHEREOF, the
parties hereto have caused this Amendment to be duly executed and delivered as
of the day and year first above written.

	
  

  	
  JACOBS ENTERTAINMENT, INC.,

  	
   

  
	
   

  	
  as Borrower

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Stephen R. Roark

  	
   

  
	
   

  	
  Name: Stephen R.
  Roark

  	
   

  
	
   

  	
  Title: President

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  CREDIT SUISSE,
  CAYMAN ISLANDS

  	
   

  
	
   

  	
  BRANCH,

  	
   

  
	
   

  	
  as
  Administrative Agent

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ John D. Toronto

  	
   

  
	
   

  	
  Name: John D.
  Toronto

  	
   

  
	
   

  	
  Title: Director

  	
   

  
						

 

 

	
  

  	
  ALLIED IRISH BANKS p.l.c.

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Joanna McFadden

  	
   

  
	
   

  	
  Name: Joanna
  McFadden

  	
   

  
	
   

  	
  Title: Assistant
  Vice President

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Mia Bolen

  	
   

  
	
   

  	
  Name: Mia Bolen

  	
   

  
	
   

  	
  Title: Assistant
  Vice President

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  AIB DEBT MANAGEMENT LIMITED

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Joanna McFadden

  	
   

  
	
   

  	
  Name:

  	
  Joanna McFadden

  	
   

  
	
   

  	
  Title: Assistant Vice President, Investment

  
	
   

  	
   

  	
  Advisor to AIB
  Debt Management,

  	
   

  
	
   

  	
   

  	
  Limited

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Mia Bolen

  	
   

  
	
   

  	
  Name: Mia Bolen

  	
   

  
	
   

  	
  Title: Assistant
  Vice President

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  FIRST NATIONAL BANK OF NEVADA

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ E. Philip Potamitis

  	
   

  
	
   

  	
  Name: E. Philip
  Potamitis

  	
   

  
	
   

  	
  Title: Senior
  Vice President

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  GENERAL ELECTRIC CAPITAL

  	
   

  
	
   

  	
  CORPORATION

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
  /s/ Rebecca Ford

  	
   

  
	
   

  	
  Name: Rebecca
  Ford

  	
   

  
	
   

  	
  Title: Duly
  Authorized Signatory

  	
   

  
	
   

  	
   

  	
   

  
								

 

 

	
  

  	
  CIT LENDING SERVICES

  	
   

  
	
   

  	
  CORPORATION

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
      /s/ Scott P. Ploshay

  	
   

  
	
   

  	
  Name: Scott P.
  Ploshay

  	
   

  
	
   

  	
  Title: Vice
  President

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  CAPITAL ONE,
  N.A.

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
        /s/
  Jennifer Henry

  	
   

  
	
   

  	
  Name: Jennifer
  Henry

  	
   

  
	
   

  	
  Title: Vice
  President

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  KEY BANK
  NATIONAL ASSOCIATION

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
        /s/
  Brendan A. Lawlor

  	
   

  
	
   

  	
  Name:

  	
  Brendan A.
  Lawlor

  	
   

  
	
   

  	
  Title:

  	
  Senior Vice
  President

  	
   

  
	
   

  	
   

  	
   Team
  Leader-Consumer

  	
   

  
	
   

  	
   

  	
   Debt
  Capital Markets

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  CIBC WORLD
  MARKETS CORP.

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
        /s/
  Leonardo R. Fernandez, Jr.

  	
   

  
	
   

  	
  Name: Leonardo
  R. Fernandez, Jr.

  	
   

  
	
   

  	
  Title: Executive Director

  	
   

  
					

 

 

	
  

  	
  NATIXIS (formerly known as Natexis

  	
   

  
	
   

  	
  Banques Populaires)

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
      /s/ Peyman Parhami

  	
   

  
	
   

  	
  Name: Peyman Parhami

  	
   

  
	
   

  	
  Title: Director

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
      /s/ Mark A. Harrington

  	
   

  
	
   

  	
  Name: Mark A.
  Harrington

  	
   

  
	
   

  	
  Title: Senior
  Managing Director

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  BANK OF THE WEST

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
      /s/ Karen C. Ryan

  	
   

  
	
   

  	
  Name: Karen C. Ryan

  	
   

  
	
   

  	
  Title: Vice
  President

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00123-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00123-of-00352.parquet"}]]