Document:

Change in Terms Agreement, between FCStone Group, Inc. and Deere Credit, Inc

 Exhibit 10.1 
  
 CHANGE IN TERMS AGREEMENT 
 UNSECURED REVOLVING TERM LOAN NOTE 
  
 This
Change in Terms Agreement (“Agreement”) is entered into as of February 28, 2005, between Deere Credit, Inc., a Delaware corporation (“Deere”) and FCStone Group, Inc., West Des Moines, Iowa 50266, an Iowa corporation (the
“Borrower”). 
  
 Whereas, Deere initially granted
Borrower an Unsecured Revolving Term Loan Facility (“Loan”) in the amount of $3,000,000 as governed by a Master Loan Agreement, dated November 3, 2003 and evidenced by an Unsecured Revolving Term Note (“Note”) in the amount of
$3,000,000, dated November 3, 2003, and 
  
 Whereas, the
Borrower requested modifications to the Loan granted by Deere including the request for an increase of $1,000,000 in the amount of the Loan and Deere approved the requested increase making a total amended Loan of $4,000,000, as reflected in a
certain Change in Terms Agreement dated March 19, 2003, which increased the amount of the Note to $4,000,000, and 
  
 Whereas, the Borrower requested modifications to the Loan granted by Deere including the request for an increase of $1,000,000 in the amount of the
Loan and Deere approved the requested increase making a total amended Loan of $5,000,000, as reflected in a certain Change in Terms Agreement dated April 12, 2004, which increased the amount of the Note to $5,000,000, and 
  
 Whereas, the Borrower requested modifications to the Loan granted by
Deere including the request for an increase of $2,000,000 in the amount of the Loan and Deere approved the requested increase making a total amended Loan of $7,000,000, as reflected in a certain Change in Terms Agreement dated May 24, 2004, which
increased the amount of the Note to $7,000,000, and 
  
 Whereas, the borrower requested modifications to the Loan granted by Deere including the request for an increase of $500,000 in the amount of the Loan and Deere approved the requested increase making a total amended Loan of
$7,500,000, as reflected in a certain Change in Terms Agreement dated June 28, 2004, which increased the amount of the Noted to $7,500,000, and 
  
 Whereas, the Borrower requested modifications to the Loan granted by Deere including the request for an increase of $500,000 in the amount of the
Loan and Deere approved the requested increase making a total amended Loan of $8,000,000, as reflected in a certain Change in Terms Agreement dated July 9, 2004, which increased the amount of the Note to $8,000,000, and 
  
 Whereas, the Borrower requested modifications to the Loan granted by
Deere including the request for an increase of $250,000 in the amount of the Loan and Deere approved the requested increase making a total amended Loan of $8,250,000, as reflected in a certain Change in Terms Agreement dated August 23, 2004, which
increased the amount of the Note to $8,250,000, and 

 Whereas, the Borrower has now requested modifications to the Loan granted by Deere including the
request for a decrease of $2,000,000 in the amount of the Loan and Deere has approved the requested decrease making a total amended Loan of $6,250,000. 
  
 Therefore, the amount of the Loan will be decreased by the amount of $2,000,000 making a total Loan of $6,250,000 and the amount of the Note shall
be decreased to $6,250,000 wherein the principal paragraph of said Note shall be amended to read as follows: 
  
 FOR VALUE RECEIVED, FCStone Group, Inc., of West Des Moines, IA (the “Borrower”), promises to pay to the order of Deere
Credit, Inc., a Delaware corporation (the “Lender”), at Lender’s office at such place as Lender may designate in writing, the principal sum of Six Million Two Hundred Fifty Thousand and 00/100 DOLLARS ($6,250,000.00), together with
interest as provided in this Note, all in lawful money of the United States of America. 
  
 Except as expressly changed by this Agreement, the terms of the original obligation or obligations, including all agreements evidenced or securing the obligation(s), remain unchanged and in full force and effect.

  
 IN WITNESS WHEREOF, the parties have caused this
Agreement to be executed by their duly authorized officers as of the date first shown above. 
  

							
	 Deere Credit, Inc.
	 	FCStone Group, Inc.
				
	By:	 	 /s/ Brent D. Johnson

	 	By:	 	 /s/ Robert V. Johnson

	Title:	 	Portfolio Manager	 	Title:	 	Exec. V.P and CFOChange in Terms Agreement, between FCStone, L.L.C. and Deere Credit, Inc

 Exhibit 10.2 
  
 CHANGE IN TERMS AGREEMENT 
  
 This Change in Terms Agreement (“Agreement”) is entered into as of February 28, 2005, between Deere Credit, Inc., a Delaware corporation (“Deere”) and
FCStone L.L.C., West Des Moines, Iowa 50266, an Iowa corporation (the “Borrower”). 
  
 Whereas, Deere is currently providing Borrower an Amended and Restate Unsecured Revolving Operating Facility (“Loan”) in the amount of $39,500,000 as governed by a Master Loan Agreement, dated
February 15, 2001 as amended by the Change in Terms Agreement to Master Loan Agreement dated March 15, 2002 and evidenced by an Amended and Restate Unsecured Revolving Operating Note (“Note”) in the amount of $40,000,000, dated March 15,
2002, and 
  
 Whereas, the Borrower requested modifications
to the Loan granted by Deere including the request for a decrease of $500,000 in the amount of the Loan and Deere approved the requested decrease making a total amended Loan of $39,500,000, as reflected in a certain Change in Terms Agreement dated
June 28, 2004, which decreased the amount of the Note to $39,500,000, and 
  
 Whereas, the Borrower requested modifications to the Loan granted by Deere including the request for a decrease of $500,000 in the amount of the Loan and Deere approved the requested decrease making a total
amended Loan of $39,000,000, as reflected in a certain Change in Terms Agreement dated July 9, 2004, which decreased the amount of the Note to $39,000,000, and 
  

Whereas, the Borrower requested modifications to the Loan granted by Deere including the request for a decrease of $250,000 in the amount of the
Loan and Deere approved the requested decrease making a total amended Loan of $38,750,000, as reflected in a certain Change in Terms Agreement dated July 9, 2004, which decreased the amount of the Note to $38,750,000, and 
  
 Whereas, the Borrower requested modifications to the Loan granted by
Deere including the request for an increase of $250,000 in the amount of the Loan and Deere approved the requested increase making a total amended Loan of $40,750,000, and renewal of the commitment, now 
  
 Therefore, this Change in Terms Agreement provides the following:

  
 1. The amount of the Loan will be increased by the amount of
$2,000,000 making a total Loan of $40,750,000 and the amount of the Note shall be increased to $40,750,000 wherein the principal paragraph of said Note shall be amended to read as follows: 
  
 FOR VALUE RECEIVED, FC STONE, L.L.C., an Iowa
corporation, of West Des Moines, Iowa (the “Borrower”), promises to pay to the order of Deere Credit, Inc., a Delaware corporation (the “Lender”), at Lender’s office at such place as Lender may designate in writing, the
principal sum of Forty Million Seven Hundred Fifty Thousand and 00/100 DOLLARS ($40,750,000.00), together with interest as provided in this Note, all in lawful money of the United States of America. 

 2. The Due Date shall be extended to March 1, 2006. 
  
 Except as expressly changed by this Agreement, the terms of the original
obligation or obligations, including all agreements evidenced or securing the obligation(s), remain unchanged and in full force and effect. 
  
 IN WITNESS WHEREOF, the parties have caused this Agreement to be executed by their duly authorized officers as of the date first shown above.

  

							
	Deere Credit, Inc.	 	FC Stone L.L.C.
				
	By:	 	 /s/ Brent D. Johnson

	 	By:	 	 /s/ Robert V. Johnson

	Title:	 	Portfolio Manager	 	Title:	 	Exec. V.P and CFOThirteenth Amendment to Employment Agreement

 Exhibit 10.3 
  
 THIRTEENTH AMENDMENT TO EMPLOYMENT AGREEMENT 
  
 This Thirteenth Amendment to Employment Agreement is made and entered into by and between PriceSmart, Inc., a Delaware
Corporation (“Employer”) and Robert M. Gans (“Executive”). 
  
 Recitals 
  

	 	A)	On September 20, 1994 an Employment Agreement was made and entered into by and between Executive and Employer’s Assignor, Price Enterprises, Inc. 

  

	 	B)	On April 11, 1996, Section 2.3 of the Employment Agreement was amended, such that Executive became entitled to three weeks paid vacation each year. 

  

	 	C)	On July 23 1996, Section 2.1 of the Employment Agreement was amended, such that Executive’s annual base salary was increased to $175,000. 

  

	 	D)	On April 28, 1997, Section 3.1 of the Employment Agreement was amended, such that Executive’s employment term was extended to October 16, 1998. 

  

	 	E)	On August 29, 1997, the Employment Agreement and amendments thereto were assigned by Price Enterprises, Inc. to Employer. 

  

	 	F)	On September 2, 1997, Section 3.1 of the Employment Agreement was amended, such that Executive’s employment term was extended to October 16, 2000. 

  

	 	G)	Effective October 1, 1999, Section 2.1 of the Employment Agreement was amended, such that Executive’s annual base salary was increased to $180,000. 

  

	 	H)	Effective July 18, 2000, Section 3.1 of the Employment Agreement was amended, such that Executive’s employment term was extended to October 16, 2001. 

 

	 	I)	On September 26, 2001, Section 3.1 of the Employment Agreement was amended, such that Executive’s employment term was extended to October 16, 2002. 

  

	 	J)	Pursuant to a Memorandum dated October 16, 2001, Executive’s Annual Base Salary was increased to $200,000, effective as of September 1, 2001. 

  

	 	K)	On November 19, 2002, a Ninth Amendment to Employment Agreement was amended, such that Executive’s employment term was extended to October 16, 2003. 

 

	 	L)	On January 22, 2003, a Tenth Amendment to Employment Agreement was amended, such that Executive’s annual base salary was increased to $210,000. 

  

	 	M)	On July 23, 2003, an Eleventh Amendment to Employment Agreement was amended, such that Executive’s employment term was extended to October 16, 2004. 

 

	 	N)	On September 24, 2004, a Twelfth Amendment to Employment Agreement was amended, such that Executive’s employment term was extended to October 16, 2005.

	 	O)	Employer and Executive now desire to further amend the Employment Agreement, as set forth hereinbelow: 

  
 Agreement 
  

	 	Section	2.1 of the Agreement which provides: 

  
 2.1    Salary.    For Executive’s services hereunder, Employer shall pay as base salary to Executive
the amount of $210,000 during each year of the Employment Term. Said salary shall be payable in equal installments in conformity with Employer’s normal payroll period. Executive shall receive such salary increases, if any, as Employer, in its
sole discretion, shall determine. 
  
 is hereby amended, effective January 1,
2005, to provide as follows: 
  
 2.1    Salary.    For Executive’s services hereunder, Employer shall pay as base salary to Executive the amount of $250,000 during each year of the Employment Term. Said salary shall be
payable in equal installments in conformity with Employer’s normal payroll period. Executive shall receive such salary increases, if any, as Employer, in its sole discretion, shall determine. 
  

	 	2)	All other terms of the Employment Agreement, as amended, shall remain unaltered and fully effective. 

  
 Executed on February 10, 2005 in San Diego, California. 
  

			
	 EXECUTIVE
	 	                     EMPLOYER

		
	 	 	 PRICESMART, INC.

		
	 Robert M. Gans
	 	 By: /s/ Robert E. Price

		
	 /s/ Robert M. Gans

	 	 Name: Robert E. Price

		
	 	 	 Its: CEO

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