Document:

Amendment of Credit Agreeement

 Exhibit 10.5 
 FIRST AMENDMENT 
 THIS FIRST AMENDMENT dated as of June 22, 2007 (this
“Amendment”) amends the Credit Agreement dated as of December 13, 2005 (the “Credit Agreement”) among ACE European Holdings No.2 Limited (the “Borrower”), ACE Limited (the
“Guarantor”), various financial institutions and The Royal Bank of Scotland plc, as Agent. Capitalized terms used but not defined herein have the respective meanings set forth in the Credit Agreement. 
 Pursuant to the Guarantor’s request, the parties have agreed to amend the Credit Agreement to delete the Restricted Payments covenant set forth in
Section 16.5. Accordingly, the parties hereto agree as follows: 
 SECTION 1. Amendment to Credit Agreement.
Section 16.5 is amended in its entirety to read as follows: 
 16.5 [Intentionally Deleted]. 
 SECTION 2. Representations and Warranties. Each Obligor represents and warrants as follows: 
 2.1 Authorization. The execution, delivery and performance by such Obligor of this Amendment are within its corporate powers, have been duly
authorized by all necessary action, and do not: (i) contravene its organizational documents or any contractual restriction, law or governmental regulation or court decree or order that is binding on such Obligor or (iii) require any
consent, approval, authorization or other action by, or notice to, or registration or filing with, any governmental authority or other Person. 
 2.2 Enforceability. This Amendment constitutes the legal, valid and binding obligation of such Obligor enforceable against such Obligor in accordance with its terms, subject to applicable bankruptcy, insolvency and similar laws
affecting creditors’ rights and general equitable principles. 
 2.3 Representations and Warranties; No Default. After giving
effect to this Amendment: (i) each of the representations and warranties of the Obligors contained in the Credit Agreement (excluding the representation and warranty set forth in Section 14.6) is true and correct on and as of the date
hereof with the same effect as if made on and as of the date hereof (except to the extent any such representation or warranty is expressly stated to have been made as of a specific date, in which case such representation or warranty was true and
correct as of such date) and (ii) no Default or Event of Default has occurred and is continuing. 
 SECTION 3.
Effectiveness. This Amendment shall become effective as of the date set forth above when the Agent has received counterparts hereof signed by Obligors and the Majority Banks. 
 SECTION 4. Miscellaneous. 
 4.1
Effect of Amendment. After the effectiveness hereof, all references to the Credit Agreement set forth in any other agreement or instrument shall, unless otherwise specifically provided, be references to the Credit Agreement as amended hereby.
Except as so amended, the Credit Agreement shall remain in full force and effect in accordance with its terms. 

 4.2 Governing Law. This Amendment shall be governed by and construed and enforced in accordance
with English law. 
 4.3 Successors and Assigns. This Amendment shall be binding upon, inure to the benefit of and be enforceable by
the respective successors and assigns of the parties hereto. 
 4.4 Construction. Headings used herein are for convenience of
reference only and shall not affect the meaning of this Amendment. 
 4.5 Counterparts. This Amendment may be executed in any number
of counterparts and by different parties hereto on separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same agreement. Delivery to the Agent of a signed counterpart hereof, or
signature page hereto, by facsimile or e-mail (in a .pdf or similar file) shall be effective as delivery of an original manually-signed counterpart. 
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 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their duly
authorized officers as of the date first above written. 
  

			
	 ACE EUROPEAN HOLDINGS NO.2 LIMITED

		
	By:	 	  

	Title:	 	  

	
	 ACE LIMITED

		
	By:	 	  

	Title:	 	  

 (signatures continue on the following page) 
  

	
	Signature Page to First Amendment to
	ACE European Holdings No.2 Limited Credit Agreement

			
	 THE ROYAL BANK OF SCOTLAND PLC, as Agent and as a Bank

		
	By:	 	  

	Title:	 	  

 (signatures continue on the following page) 
  

	
	Signature Page to First Amendment to
	ACE European Holdings No.2 Limited Credit Agreement

			
	  

	[Type or Print Name of Financial Institution]
		
	 By:
	 	  

	Name:	 	  

	Title:	 	  

  

	
	Signature Page to First Amendment to
	ACE European Holdings No.2 Limited Credit AgreementAmendment of Amended & Restated Credit Agreement

 Exhibit 10.6 
 FIRST AMENDMENT 
 THIS FIRST AMENDMENT dated as of June 22, 2007 (this
“Amendment”) amends the Amended and Restated Credit Agreement dated as of December 15, 2005 (the “Credit Agreement”) among ACE Limited, a Cayman Islands company (the “Parent”), certain
subsidiaries thereof, various lenders and JPMorgan Chase Bank, N.A., as Administrative Agent. Capitalized terms used but not defined herein have the respective meanings set forth in the Credit Agreement. 
 Pursuant to the Parent’s request, the parties have agreed to amend the Credit Agreement in certain respects as more fully set forth below.
Accordingly, the parties hereto agree as follows: 
 SECTION 1. Amendment to Credit Agreement. Section 5.02(e) of the
Credit Agreement is amended in its entirety to read as follows: 
 (e) [Intentionally Deleted]. 
 SECTION 2. Representations and Warranties. The Parent represents and warrants as follows: 
 2.1 Authorization. The execution, delivery and performance by the Parent of this Amendment are within its corporate powers, have been duly
authorized by all necessary action, and do not: (i) contravene its organizational documents or any contractual restriction, law or governmental regulation or court decree or order that is binding on any Borrower or (iii) require any
consent, approval, authorization or other action by, or notice to, or registration or filing with, any governmental authority or other Person. 
 2.2 Enforceability. This Amendment constitutes the legal, valid and binding obligation of the Parent enforceable against the Parent in accordance with its terms, subject to applicable bankruptcy, insolvency and similar laws affecting
creditors’ rights and general equitable principles. 
 2.3 Representations and Warranties; No Default. After giving effect to
this Amendment: (i) each of the representations and warranties of the Borrowers contained in the Credit Agreement (excluding the representation and warranty set forth in Section 4.01(g)) is true and correct on and as of the date hereof
with the same effect as if made on and as of the date hereof (except to the extent any such representation or warranty is expressly stated to have been made as of a specific date, in which case such representation or warranty was true and correct as
of such date) and (ii) no Default or Event of Default has occurred and is continuing. 
 SECTION 3. Effectiveness. This
Amendment shall become effective as of the date set forth above when the Administrative Agent has received counterparts hereof signed by the Parent and the Required Lenders. 
 SECTION 4. Miscellaneous. 
 4.1 Effect of Amendment. After the effectiveness hereof, all references to the Credit Agreement set forth in any other agreement or instrument shall, unless otherwise specifically provided, be references to the Credit Agreement as
amended hereby. Except as so amended, the Credit Agreement shall remain in full force and effect in accordance with its terms. 
  

 4.2 Governing Law. This Amendment shall be governed by and construed and enforced in accordance
with the laws of the State of New York. 
 4.3 Successors and Assigns. This Amendment shall be binding upon, inure to the benefit of
and be enforceable by the respective successors and assigns of the parties hereto. 
 4.4 Construction. Headings used herein are for
convenience of reference only and shall not affect the meaning of this Amendment. 
 4.5 Counterparts. This Amendment may be executed
in any number of counterparts and by different parties hereto on separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same agreement. Delivery to the Administrative Agent of a signed
counterpart hereof, or signature page hereto, by facsimile or e-mail (in a .pdf or similar file) shall be effective as delivery of an original manually-signed counterpart. 
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 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their duly
authorized officers as of the date first above written. 
  

	
	ACE LIMITED
	
	The Common Seal of ACE Limited was hereunto affixed in the presence of:
	
	  
	Authorized Officer
	
	  
	Authorized Officer

 (signatures continue on the following page) 
  

 Signature Page to First Amendment to 
 Amended and Restated Credit Agreement (JPMorgan) 

			
	JPMORGAN CHASE BANK, N.A.,
as Administrative Agent and as a Lender
		
	By:	 	 
		 	Title:

 (signatures continue on the following page) 
  

 Signature Page to First Amendment to 
 Amended and Restated Credit Agreement (JPMorgan) 

			
	 
	[Type or Print Name of Financial Institution]
		
	By:	 	 
	Name:	 	 
	Title:	 	 

  

 Signature Page to First Amendment to 
 Amended and Restated Credit Agreement (JPMorgan)Form of Employee Deferred Stock Award Agreement

 Exhibit 10.82 
 WELLS REAL ESTATE INVESTMENT TRUST, INC. 
 2007 OMNIBUS INCENTIVE PLAN 
 DEFERRED STOCK AWARD AGREEMENT 
 This
Deferred Stock Award Agreement evidences a Deferred Stock Award made pursuant to the Wells Real Estate Investment Trust, Inc. 2007 Omnibus Incentive Plan (the “Plan”) to Name, who shall be referred to as “Employee”,
with respect to # of shares of Stock. This Deferred Stock Award is made effective as of May 18, 2007, which shall be referred to as the “Award Date.” 
  

			
	 WELLS REAL ESTATE INVESTMENT TRUST, INC.

		
	 By:
	 	 
	 Date:
	 	 

 TERMS AND CONDITIONS 
 § 1. Plan and Stock Award Agreement. Employee’s right to receive any or all of the shares of Stock subject
to this Deferred Stock Award is subject to all of the terms and conditions set forth in this Deferred Stock Award Agreement and in the Plan. If a determination is made that any term or condition set forth in this Deferred Stock Award Agreement is
inconsistent with the Plan, the Plan shall control. All of the capitalized terms not otherwise defined in this Deferred Stock Award Agreement shall have the same meaning in this Deferred Stock Award Agreement as in the Plan. A copy of the Plan will
be made available to Employee upon written request to the Chief Financial Officer of the Company. 
 § 2.
Stockholder Rights. Employee shall have no rights as a stockholder with respect to any shares of Stock subject to this Deferred Stock Award until Employee’s interest in such shares of Stock has become vested and nonforfeitable under
§ 3 and such shares of Stock have been transferred on the Company’s books and records to Employee. 
 § 3. Vesting and Forfeiture. 
 (a) General Vesting Rule. Subject to
§ 3(b), Employee’s interest in his or her Deferred Stock Award will vest and become nonforfeitable as follows: 
 (1) one fourth of the shares of Stock subject to this Deferred Stock Award (rounding down to the nearest whole share) will vest and become nonforfeitable when Employee has signed this Deferred Stock Award Agreement

 
and the Wells REIT Confidentiality and Non-Solicitation Agreement provided Employee remains continuously employed by the Company or a Subsidiary from the
Award Date through the date he or she has signed this Deferred Stock Award Agreement and the Wells REIT Confidentiality and Non-Solicitation Agreement, and; 
 (2) another one fourth of the shares of Stock subject to this Deferred Stock Award (rounding down to the nearest whole share) will vest and become nonforfeitable on each anniversary of the Award
Date until the Employee becomes fully vested in all shares subject to this Deferred Stock Award provided (a) Employee has signed this Deferred Stock Award Agreement and the Wells REIT Confidentiality and Non-Solicitation Agreement and
(b) he or she has remained continuously employed by the Company or a Subsidiary from the Award Date through the respective anniversary of the Award Date. 
 (b) Special Vesting Rules. Employee’s interest in all of the shares of Stock subject to this Deferred Stock Award (rounding down to the nearest whole share) automatically will vest
and become nonforfeitable if (after he or she has signed this Deferred Stock Award Agreement and the Wells REIT Confidentiality and Non-Solicitation Agreement) his or her employment with the Company or a Subsidiary terminates as a result of his or
her death, Disability (as defined in § 3(d)(1)), Lay Off (as defined in § 3(d)(2)), Retirement (as defined in § 3(d)(3)), his or her employment is terminated by the Company or a Subsidiary without Cause (as defined in
§ 3(d)(4)) or if there is a Change in Control (as defined in the Plan). 
 (c) Forfeiture. If
Employee’s employment with the Company or a Subsidiary terminates for any reason before his or her interest in all of the shares of Stock subject to this Deferred Stock Award have become vested and nonforfeitable under this § 3, then
Employee shall forfeit his or her right to receive all such shares of Stock subject to this Deferred Stock Award which have not become so vested and nonforfeitable before the date his or her employment so terminates. 
 (d) Definitions. 
 (1) Disability. The term “Disability” under § 3(b) means a condition which makes Employee eligible at his or her termination of employment to receive long-term
disability benefits under the Company’s long-term disability plan. 
 (2) Lay Off. The term
“Lay Off” under § 3(b) means the elimination of Employee’s job with the Company or a Subsidiary if there is no offer of continued employment at a comparable position. 
 (3) Retirement. The term “Retirement” under § 3(b) means a termination of employment with the
Company or a Subsidiary after Employee reaches age 60. 
  

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 (4) Cause. The term “Cause” under § 3(b) means
a termination of employment by the Company or a Subsidiary due to willful misconduct, commitment of fraud, violation of Company or a Subsidiary policy or code of conduct, or conviction of a felony. 
 (e) Termination of Employment. Employee shall be treated as terminated for employment purposes as of the last date
the Employee is paid his or her normal salary for services actually rendered, exclusive of any period covered by severance. Termination of employment under this Deferred Stock Award Agreement does not include any of the circumstances described in
Section 16 (Transfer, Leave of Absence, Etc.) of the Plan. 
 (f) Right to Receive Shares and Tax
Liability. Employee shall have the right (subject to applicable tax withholdings effected in accordance with Section 13 of the Plan) to receive shares of Stock subject to this Deferred Stock Award on the date his or her interest in such
shares of Stock vests and becomes nonforfeitable under this § 3. The Employee’s tax liability for such shares of Stock shall be determined as of such date. The Employee may (in accordance with Section 13 of the Plan) choose to
make payment of the applicable tax withholdings by 1) a cash payment and thereby receive the total number of shares vested, or 2) a reduction in stock equivalent to the applicable tax withholding liability. 
 § 4. Transfer of Shares of Stock. The Company shall cause any shares of Stock which Employee has a right to receive
under § 3 (subject to applicable tax withholdings effected in accordance with Section 16 of the Plan) to be transferred to Employee on the Company’s books and records and delivered to Employee as soon as practicable after the
date on which he or she has the right to receive such shares. Pending any such transfer, any claim by Employee with respect to such shares of Stock shall have the same status as a claim by a general and unsecured creditor of the Company for the
payment of deferred compensation. 
 During the period the Employee is employed by the Company or a Subsidiary, shares
received by an Employee under this Deferred Stock Award Agreement, as well as any other Company shares owned by the Employee, will be subject to certain trading “blackout” periods (which prohibit the sale or purchase of Company shares).
Blackout periods can relate to the announcement of Company earnings or any other material, non-public information. Additionally, shares held by Employees may be subject to ‘lock-up’ agreements (which will prohibit the sale by Employees of
Company stock for specified periods) as part of offerings of new Company shares on a public exchange. 
 The shares of stock
received by Employee under this Deferred Stock Award Agreement are subject to an initial lock-up period which prohibits the sale of these shares by the Employee (or his or her heirs) until the earlier of the following events occur: 1) six months
after the initial public offering of the Company’s stock on a national public exchange, 2) the liquidation of the Company’s assets, or 3) a Change of Control (as defined in the Plan). The Company reserves the right to specify other
blackout periods or lock-up periods; however, the Employee should never trade shares of the Company’s stock when in possession of material non-public Company information. 
  

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 § 5. Nontransferable. No rights under this Deferred Stock Award
Agreement shall be transferable by Employee except as provided in Section 12 of the Plan. 
 § 6. Other
Laws. The Company shall have the right to refuse to transfer shares of Stock subject to this Deferred Stock Award to Employee if the Company acting in its absolute discretion determines that the transfer of such shares is (in the opinion of
the Company’s legal counsel) likely to violate any applicable law or regulation. 
 § 7. No Right to
Continue Employment or Service. Neither the Plan, this Deferred Stock Award Agreement, nor any related material shall give Employee the right to continue in the employment or other service of the Company or a Subsidiary or shall adversely
affect the right which the Company or any Subsidiary has under applicable law to terminate Employee’s employment with or without cause at any time. 
 § 8. Governing Law. The Plan and this Deferred Stock Award Agreement shall be governed by the laws of the State of Maryland, applied without regard to conflicts of law principles. 
 § 9. Binding Effect. This Deferred Stock Award Agreement shall be binding upon the Company and Employee and their
respective heirs, executors, administrators and successors. 
 § 10. Headings and Sections. The headings
contained in this Deferred Stock Award Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Stock Award Agreement. All references to sections (§) in this Deferred Stock Award
Agreement shall be to sections (§) of this Deferred Stock Award Agreement. 
 Employee has signed this Deferred
Stock Award Agreement to evidence his or her acceptance of this Deferred Stock Award and all of the terms and conditions of such Award. 
  

	
	
	  
	 Employee’s Signature

	
	 
	 Date

  

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