Document:

Prepared by MERRILL CORPORATION

Exhibit 10.24

Assignment of Lease

 

ASSIGNMENT OF LEASE

 

 

THIS INDENTURE WITNESSETH, that Republic Bank &

Trust Company, hereinafter called "Assignor," for and in

consideration of the sum of One Dollar ($1.00), and other valuable

consideration, receipt of which is hereby acknowledged, does hereby sell,

assign, transfer and set over unto Republic Bank & Trust Company of

Indiana, hereinafter called "Assignee," all right, title and interest

in and to that certain Lease from Jaytee Properties Limited Partnership, as

Lessor, to the undersigned as Lessee dated May 1, 1999, and which Lease covers

the real estate commonly known as 610 Eastern Boulevard, Clarksville, Indiana

47130, together with all rights and privileges granted by said Lease or

incident thereto, for the remainder of the unexpired term thereof, and any

renewals thereof.

 

Assignor covenants with said Assignee that it is the

lawful owner of and has good and merchantable title to the above-described

Lease and the leasehold estate created thereby, free and clear from any and all

liens, encumbrances or adverse claims.

 

IN WITNESS WHEREOF, the said Assignor has hereunto set

its hand this the 30th day of April 2001.

 

	

  Republic Bank & Trust Company

  
	

   

  	

   

  
	

   

  	

   

  
	

  By

  	

  /s/ Kevin Sipes

  

 

 

"Assignor"

 

 

	

  STATE OF KENTUCKY

  	

  )

  	

   

  
	

   

  	

  )

  	

  ss.

  
	

  COUNTY OF 

  	

  )

  	

   

  

 

 

Before me, a Notary Public in and for said County and

State, personally appeared Kevin Sipes, S.V.P. and acknowledged execution of

the foregoing Assignment of Lease.

 

WITNESS my hand and Notarial Seal this 30th day of

April, 2001.

 

 

	

  /s/ Pamela W. Anderson

  
	

  Notary Public

  
	

   

  
	

  Printed: Pamela W. Anderson

  
	

   

  

My Commission Expires: 8/21/2004

 

My County of Residence is: Jefferson

 

CONSENT TO

ASSIGNMENT

 

THIS INDENTURE WITNESSETH, that Jaytee Properties

Limited Partnership, the Lessor named in, and which executed, that certain

Lease dated May 1, 1999, more particularly described in the above and foregoing

assignment thereof, for and in consideration in the sum of One Dollar ($1.00)

and other valuable consideration, receipt of which is hereby acknowledged, does

hereby fully consent to the making of said and foregoing assignment of said

Lease.  Lessor by execution of this

Consent hereby releases Republic Bank & Trust Company from any and all

liability for payment of rent and for performance of the terms, covenants and

conditions to be performed by said Lessee under said Lease from and after May

1, 2001, provided, however, that nothing herein contained shall be construed as

discharging or releasing the said Republic Bank & Trust Company from any

and all liability for payment of rent and for performance of the terms,

covenants and conditions to be performed by it prior to May 1, 2001, pursuant

to said Lease.

 

IN WITNESS WHEREOF, the said Lessor has hereunto set

its hand this 30th day of April, 2001.

 

	

  Jaytee Properties Limited Partnership

  
	

   

  	

   

  
	

   

  	

   

  
	

  By

  	

  /s/ Steve Trager

  

 

	

  STATE OF KENTUCKY

  	

  )

  	

   

  
	

   

  	

  )

  	

  ss.

  
	

  COUNTY OF 

  	

  )

  	

   

  

 

Before me, a Notary Public in and for said County and

State, personally appeared Steven E. Trager, who acknowledged execution of the

foregoing Consent to Assignment for and on behalf of said Corporation, and who,

having been duly sworn, stated that the representations therein contained are

true.

 

WITNESS my hand and Notarial Seal this 30th day of

April, 2001.

 

	

  /s/ Pamela W. Anderson

  
	

  Notary Public

  
	

  Printed: Pamela W. Anderson

  

My Commission Expires: 8/21/2004

My County of Residence is: Jefferson

 

This Instrument prepared by:

 

	

  /s/ Michael A. Ringswald

  
	

  Michael A. Ringswald, Atty.

  
	

  601 W. Market Street

  
	

  Louisville, Ky. 40202

  
	

  1-(502)-561-7128Prepared by MERRILL CORPORATION

Exhibit 10.25

Extension

of Lease

 

Extension of Lease Agreement

 

 

                This EXTENSION OF

LEASE AGREEMENT dated this 25th day of September, 2001 shall extend the Term of

that certain Lease originally dated October 1, 1996 (“Lease”) and any other

amendments, if any, to such Lease, by and between TEECO Properties (“Landlord”)

and Republic Bank & Trust Company (“Tenant”).  Landlord and Tenant agree that the Term of the original Lease

referenced above shall be extended for 5 years from September 30, 2001 to

September 30, 2006.  All other terms,

conditions and provisions of that original Lease dated October 1, 1996 shall

remain unchanged and incorporated by reference under this Extension Agreement.

 

IN WITNESS WHEREOF, Landlord and Tenant, intending to be legally bound

hereby, have caused this Extension Agreement to be executed by their duly

authorized officers as of the day and year first set forth above.

 

 

 

	

  TEECO Properties

  
	

   

  
	

   

  
	

   

  
	

  By:

  	

  /s/ Steve Trager

  
	

   

  
	

   

  
	

  REPUBLIC BANK & TRUST COMPANY

  
	

   

  
	

   

  
	

   

  
	

  By:

  	

  /s/ Kevin SipesPrepared by MERRILL CORPORATION

EXHIBIT 10.1

 

AMENDMENT TO CREDIT AGREEMENT

[Crop Line]

 

                THIS AMENDMENT TO

CREDIT AGREEMENT (the "Amendment") is made and dated as of the 27th

of August, 2001 by and between UNITED CALIFORNIA BANK, a California banking

corporation formerly known as Sanwa Bank California ("Bank") and

SCHEID VINEYARDS CALIFORNIA INC., a California corporation (the

"Borrower") and amends that certain Credit Agreement (Crop Line of

Credit) dated as of August 8, 2000 (as amended, modified or waived from time to

time, the "Agreement") between Bank and the Borrower.

 

RECITALS

 

                                A.            The Borrower has asked Bank to

extend the Expiration Date (as such term and all other capitalized terms used

herein and not otherwise defined are defined in the Agreement).

 

                                B.            Bank has agreed to do so on the

terms and conditions contained in this Amendment.

 

                                NOW,

THEREFORE, in consideration of the above Recitals and for other good and

valuable consideration, the receipt and adequacy of which are hereby

acknowledged, the parties hereby agree that, upon the satisfaction of the

conditions contained in Paragraph 2 below, the Agreement shall be amended as

set forth below:

 

AGREEMENT

 

                                1.             Amendments.

 

                                                1(a)         Amendments to Definitions.  Section 1.1 of the Agreement is amended to

add or amend and restate, as the case may be, the following definitions :

 

                                "'Current

Liabilities' shall mean current liabilities as determined in accordance with

generally accepted accounting principles, including any negative cash

balance."

 

                                "'Crop

Budget' shall mean the crop budget for any relevant period delivered by

Borrower to and approved by Bank and, for the crop production year commencing

on December 31, 2000 and ending November 30, 2001, shall mean the budget

attached hereto as Exhibit A."

 

                                "'Effective

Tangible Net Worth' with respect to any entity shall mean such entity's stated

net worth plus Subordinated Debt but less all intangible assets of such entity

(i.e., goodwill, trademarks, patents, copyrights, organization expense and

similar intangible items including, but not limited to, investments in and all

amounts due from affiliates, officers or employees)."

 

                                "'Expiration

Date' shall mean July 5, 2003, or the date of termination of the Bank's

commitment to lend under this Agreement pursuant to Section 8, whichever shall

occur first."

"'Interest Period'

shall mean a LIBOR Interest Period."

 

                                "'LIBOR

Advance' shall have the meaning given such term in Section 2 hereof."

 

                                "'LIBOR

Business Day' shall mean a Business Day upon which commercial banks in London,

England are open for domestic and international business."

 

                                "'LIBOR

Interest Period' shall have the meaning given such term in Section 2

hereof."

 

                                "'LIBOR

Rate' shall have the meaning given such term in Section 2 hereof."

 

                                1(b)         Amendment of Section 2.1.  Section 2.1 of the Agreement is amended to

read in its entirety as follows:

 

"2.1  THE CROP

LINE OF CREDIT

 

                2.1.1        The Crop

Line of Credit:  On terms and

conditions as set forth herein, the Bank agrees to make Advances to the

Borrower from time to time from the date hereof to the Expiration Date,

provided the aggregate amount of such Advances outstanding at any time does not

exceed $15,000,000.00.  Within the

foregoing limits, the Borrower may borrow, partially or wholly prepay, and

reborrow under this Section 2.1. 

Advances made under the Crop Line of Credit shall be used to fund the

Borrower's farming operations, which Advances shall be made in accordance with

the relevant Crop Budget.

 

                2.1.2        Making Line Advances:  Each Advance shall be conclusively deemed to

have been made at the request of and for the benefit of the Borrower (i) when

credited to any deposit account of the Borrower maintained with the Bank or

(ii) when paid in accordance with the Borrower's written instructions.  Subject to the requirements of Section 4 and

provided such request is made in a timely manner as provided in Section 2.1.5

below, Advances shall be made by the Bank under the Crop Line of Credit.

 

                2.1.3        Repayment:

 

                                (i)            If at any time the aggregate

principal amount of the outstanding Advances shall exceed the Crop Line of

Credit, the Borrower hereby promises and agrees, immediately upon written or

telephonic notice from the Bank, to pay to the Bank an amount equal to the

difference between the outstanding principal balance of the Advances and the

Crop Line of Credit.

 

                                (ii)           On the Expiration Date, the Borrower

hereby promises and agrees to pay to the Bank in full the aggregate unpaid

principal amount of all Advances then outstanding under the Crop Line of

Credit, together with all accrued and unpaid interest thereon.

 

                2.1.4        Interest on Advances:         Interest shall accrue from the date of

each Advance under the Crop Line of Credit at one of the following rates, as

quoted by the Bank and as elected by the Borrower pursuant to this Agreement:

 

                                (i)            Variable Rate Advances:  A variable rate per annum equivalent to the

Reference Rate (the "Variable Rate").  Interest shall be adjusted concurrently with any change in the

Reference Rate.  An Advance based upon

the Variable Rate is hereinafter referred to as a "Variable Rate

Advance."

 

(ii)           LIBOR Advances: 

A fixed rate quoted by the Bank for 1, 2, 3, 6, or 12 months or for such

other period of time that the Bank may quote and offer (provided that any such

period of time does not extend beyond the Expiration Date) (the "LIBOR

Interest Period") for advances in the minimum amount of $500,000.00.  Such interest rate shall be the rate per

annum determined by the Bank to be the rate as of approximately 11:00 a.m.

(London time) on the date that is two (2) LIBOR Business Days prior to the

beginning of the relevant Interest Period quoted as the British Bankers

Association Interest Settlement Rate for deposits in dollars (as set forth in

any service selected by the Bank which has been nominated by the British

Bankers’ Association as an authorized information vendor for purpose of

displaying such rates) for a period equal to such Interest Period; provided

that, to the extent that an interest rate is not ascertainable pursuant to the

foregoing provisions of this definition, the rate shall be the interest rate

per annum determined by the Bank to be the average of the rates per annum at

which deposits in dollars are offered for such relevant Interest Period to

major banks in the London interbank market in London, England by any affiliate

of the Bank at approximately 11:00 a.m. (London time) on the date that is two

(2) LIBOR Business Days prior to the beginning of such Interest Period, in

either case plus 1.75%, adjusted for any and all assessments, surcharges and reserve

requirements and rounded upward, if necessary, to the next higher 1/16 of one

percent (the "LIBOR Rate"). 

An Advance based upon the LIBOR Rate is hereinafter referred to as a

"LIBOR Advance."  There may be

no more than four (4) Interest Periods in effect at any one time for LIBOR

Advances.

 

Interest on any Advance shall be

computed on the basis of 360 days per year, but charged on the actual number of

days elapsed.

 

The Borrower hereby promises and

agrees to pay interest quarterly in arrears on all Variable Rate Advances and

all LIBOR Advances on March 31, June 30, September 30, and December 31 of each

year.

 

If interest is not paid as and

when it is due, it shall be added to the principal, become and be treated as a

part thereof, and shall thereafter bear like interest.

 

                2.1.5        Notice of Borrowing:  Upon written or telephonic notice which

shall be received by the Bank at or before 11:00 a.m. (California time) on a

Business Day, the Borrower may borrow under the Crop Line of Credit as follows:

 

                                (i)            A Variable Rate Advance.  A Variable Rate Advance may be made on the

day notice is received by the Bank; provided, however, that if the Bank shall

not have received notice at or before 11:00 a.m. on the day such Advance is

requested to be made, such Variable Rate Advance may, at the Bank's option, be

made on the next Business Day.

 

                                (ii)           A LIBOR Advance.  Notice of any LIBOR Advance shall be

received by the Bank no later than two (2) LIBOR Business Days prior to the day

(which shall be a Business Day) on which any Borrower requests such LIBOR

Advance to be made.

 

2.1.6        Notice of

Election to Adjust Interest Rate: 

The Borrower may elect:

 

                                (i)            That interest on a Variable Rate

Advance shall be adjusted to accrue at the LIBOR Rate; provided, however, that

such notice shall be received by the Bank no later than two (2) LIBOR Business

Days prior to the day (which shall be a Business Day) on which Borrower

requests that interest be adjusted to accrue at the LIBOR Rate.

 

                                (ii)           That interest on a LIBOR Advance shall

continue to accrue at a newly quoted LIBOR Rate or shall be adjusted to

commence to accrue at the Variable Rate; provided, however, that such notice to

continue to accrue at the LIBOR Rate shall be received by the Bank no later

than two(2) LIBOR Business Days prior to the last day of the LIBOR Interest

Period pertaining to such LIBOR Advance. 

If the Bank shall not have received notice (as prescribed herein) of the

Borrower's election that interest on any LIBOR Advance shall continue to accrue

at the newly quoted LIBOR Rate, Borrower shall be deemed to have elected that

interest thereon shall be adjusted to accrue at the Variable Rate upon the

expiration of the LIBOR Interest Period pertaining to such Advance.

 

                                2.1.7.       Prepayment:  The Borrower may prepay any Advance in whole or in part, at any

time and without penalty, provided, however, that:  (i) any partial prepayment shall first be applied, at the Bank's

option, to accrued and unpaid interest and next to the outstanding principal

balance; and (ii) during any period of time in which interest is accruing on

any Advance on the basis of the LIBOR Rate, no prepayment shall be made except

on a day which is the last day of the Interest Period pertaining thereto.  If the whole or any part of any LIBOR Advance

is prepaid by reason of acceleration or otherwise, the Borrower shall, upon the

Bank's request, promptly pay to and indemnify the Bank for all costs, expenses

and any loss (including loss of future interest income) actually incurred by

the Bank and any loss (including loss of profit resulting from the

re-employment of funds) reasonably deemed sustained by the Bank as a

consequence of such prepayment.  The

Bank shall be entitled to fund all or any portion of its Advances in any manner

it may determine in its sole discretion, but all calculations and transactions

hereunder shall be conducted as though the Bank actually funded all Advances

through the purchase of dollar deposits bearing interest at the same rate as

U.S. Treasury securities in the amount of the relevant Advance and in

maturities corresponding to the applicable Interest Period.

 

                                2.1.8        Indemnification for LIBOR Costs.  During any period of time in

which interest on any Advance is accruing on the basis of the LIBOR Rate, the

Borrower shall, upon the Bank's request, promptly pay to and reimburse the Bank

for all costs incurred and payments made by the Bank by reason of any future

assessment, reserve, deposit or similar requirement of any regulatory authority

pertaining or relating to funds used by the Bank in quoting and determining the

LIBOR Rate.

 

                                2.1.9        Conversion from LIBOR Rate to Variable Rate:  In the event that the Bank shall at any time

determine that the accrual of interest on the basis of the LIBOR Rate (i) is

infeasible because the Bank is unable to determine the LIBOR Rate due to the

unavailability of U.S. dollar deposits, contracts or certificates of deposit in

an amount approximately equal to the amount of the relevant Advance and for a

period of time approximately equal to the relevant Interest Period or (ii) is

or has become unlawful or infeasible by reason of the Bank's compliance with

any new law, rule, regulation, guideline or order, or any new interpretation of

any present law, rule, regulation, guideline or order, then the Bank shall give

telephonic notice thereof (confirmed in writing) to the Borrower, in which

event any Advance bearing interest at the LIBOR Rate, shall be deemed to be a

Variable Rate Advance and interest shall thereupon immediately accrue at the

Variable Rate.

 

2.1.10      Commitment

Fee:  The Borrower agrees to

pay to the Bank a commitment fee on the unused portion of the Crop Line of

Credit of .10% per annum, payable quarterly in arrears, and computed on a year

of 360 days for actual days elapsed."

 

                                1(c)         Amendment of Section 6.1.  Section 6.1 is amended to read as follows:

 

                                "6.1         Reporting and Certification Requirements:  Deliver or cause to be delivered to the Bank

in form and detail satisfactory to the Bank:

 

                                (i)            Annual Statements.  Not later than 105 days after the end of

each of its fiscal years, a copy of the annual audited consolidated financial

report of Scheid Vineyards Inc., which report shall be prepared by a firm of

certified public accountants reasonably acceptable to Bank and, not later than

April 30 of each year, the Borrower's crop budget for the crop year then in

effect.

 

                                (ii)           Quarterly Statements.  Not later than 45 days after the end of each

fiscal quarter, Scheid Vineyards Inc.'s consolidated financial statement as of

the end of such period.

 

                                (iii)          SEC Filings.  Promptly upon filing, copies of any 10Q, 10K or other public

filing made by Scheid Vineyards Inc. with the Securities and Exchange

Commission.

 

                                (iv)          Other Information.  Promptly upon the Bank's request, such other

information pertaining to the Borrower or any Guarantor as the Bank may

reasonably request."

 

                                1(d)         Amendment of Section 6.2.  Section 6.2 is modified to read as follows:

 

                                "6.2         Financial Condition:  The Borrower promises and agrees, during the

term of this Agreement and until payment in full of all of the Borrower's

Obligations, the Borrower will cause Scheid Vineyards Inc. to maintain on a

consolidated basis:

 

                                (i)            A minimum Effective Tangible Net

Worth of at least $25,000,000.00 plus 100% of its cumulative net income from

and after March 31, 2001, measured as of the end of each fiscal quarter.

 

                                (ii)           A minimum Working Capital, measured

as of the end of each fiscal year, of at least $5,000,000.00.

 

                                (iii)          A ratio, measured as of the end of

each fiscal year, of (i) the sum of net income after tax and exclusive of

extraordinary gains, plus depreciation, amortization and interest expense minus

dividends and distributions to (ii) current portion of long term debt plus

interest expense of at least 1.25 to 1:00."

 

                                1(e)         Amendment of Exhibit B.  Exhibit B 

to the Agreement is hereby amended to include, in addition to the real

property now described therein, the real property described on Exhibit B

attached hereto and incorporated herein by this reference.

 

                                1(f)          New Section 6.19.  The following is added as Section 6.19 of

the Agreement:

 

"6.19       Indebtedness:  The Borrower shall not create, incur or

assume, directly or indirectly, any additional Indebtedness other than (i)

Indebtedness owed or to be owed to the Bank, (ii) Indebtedness to trade

creditors in the Ordinary Course of Business, and (iii)   other Indebtedness (which may be secured)

in an amount created, incurred or assumed in any fiscal year in an amount which

does not exceed $500,000.00."

 

                                1(g)         Section 9.6; Address for Notice.  The address for notice of the Borrower is

hereby amended to the following:  Scheid

Vineyards California Inc., 305 Hilltown Road, Salinas, CA  93908, Attention:  Heidi M. Scheid, Senior Vice President,  Tel. (831) 455-9990, Fax (831) 455-9998.

 

2.             Conditions

to Effectiveness of Amendment.  This

Amendment shall not be effective until the date (the "Effective

Date") upon which all of the following conditions precedent have been

satisfied:

 

                (i)  the Borrower and Bank shall have duly

executed and delivered this Amendment and such other documents as Bank may

require with respect to the transactions described in this Amendment

(including, without limitation, UCC-1 Financing Statements);

 

                (ii)  Bank shall have received such board

resolutions, incumbency certificates, opinions of Borrower's counsel and such

other additional documentation in form and substance satisfactory to Bank as it

may request in connection herewith; and

 

                (iii)  all representations and warranties hereunder

and under the Agreement shall be true and correct and no Event of Default or

event, which with the passage of time, giving of notice or both, would

constitute an Event of Default, shall have occurred.

 

3.             Representations

and Warranties of the Borrower.  As

an inducement to Bank to enter into this Amendment, the Borrower represents and

warrants to Bank that:

 

3(a)         No

Change.  Since the date of the

financial statements most recently delivered to Bank pursuant to the Agreement,

there has been no material adverse change in the business, operations, assets

or financial or other condition of the Borrower.  Since such date, the Borrower has not entered into, incurred or

assumed any long-term debt, mortgages, material leases or material oral or written

commitments not disclosed to Bank prior to the date of this Amendment.

 

3(b)         Corporate

Existence; Compliance with Law.  The

Borrower (1) is duly organized, validly existing and in good standing as a

corporation under the laws of the state of its incorporation and is qualified

to do business in each jurisdiction where its ownership of property or conduct

of business requires such qualification and where failure to qualify would have

a material adverse effect on it or its property and/or business or on the

ability of the Borrower to pay or perform the Obligations, (2) has the

corporate power and authority and the legal right to own and operate its

property and to conduct business in the manner in which it does and proposes so

to do, and (3) is in compliance in all material respects with applicable

laws and contractual obligations.

 

3(c)         Corporate

Power; Authorization; Enforceable Obligations.  The Borrower has the corporate power and authority and the legal

right to execute, deliver and perform this Amendment, as amended hereby, to

which it is a party and has taken all necessary corporate action to authorize

the execution, delivery and performance of this Amendment and the

Agreement.  This Amendment has been duly

executed and delivered on behalf of the Borrower and constitutes legal, valid

and binding obligations of the Borrower enforceable against the Borrower in

accordance with its terms, subject to the effect of applicable bankruptcy and

other similar laws affecting the rights of creditors generally and the effect

of equitable principles whether applied in an action at law or a suit in

equity.

 

3(d)         No

Legal Bar.  The execution, delivery

and performance of this Amendment will not violate any applicable law or any

contractual obligations of the Borrower or create or result in the creation of

any Lien on any assets of the Borrower.

 

4.             Miscellaneous

Provisions.

 

4(a)         Entire

Agreement.  This Amendment and the

documents and agreements referred to herein embody the entire agreement and

understanding between the parties hereto and supersede all prior agreements and

understandings relating to the subject matter hereof and thereof.

 

4(b)         Survival.  All representations, warranties, covenants

and agreements herein contained on the part of the Borrower shall survive the

termination of this Amendment and the Agreement and shall be effective until

the Obligations are paid and performed in full or longer as expressly provided

herein.

 

4(c)         Governing

Law.  This Amendment shall be

governed by and construed in accordance with the laws of the State of

California, without giving effect to choice of law rules.

 

4(d)         Counterparts.  This Amendment may be executed in any number

of counterparts, all of which together shall constitute one agreement.

 

4(e)         Expenses.  The Borrower agrees to pay to Bank, on

demand, all reasonable out-of-pocket expenses (including fees and disbursements

of counsel, including reasonable allocated cost of inside counsel) of Bank

incident to the preparation, negotiation, and closing of this Amendment and the

syndication and participation of the Agreement, as modified hereby.

 

5.             Reaffirmation

of Loan Documents.  The Borrower

affirms and agrees that the execution and delivery by the Borrower of and the

performance of its obligations under this Amendment shall not in any way amend,

impair, invalidate or otherwise affect any of the Obligations of the Borrower

or the rights of the Bank under the Agreement or any other document or

instrument made or given by the Borrower in connection therewith, and

specifically reaffirms and remakes all the covenants, representations,

warranties and reaffirms the security interests granted thereunder.  Without limiting the generality of the

foregoing, the Borrower specifically agrees and affirms that the liens and

security interests granted to Bank under the Agreement secure all of the

Borrower's Obligations under the Agreement and all other liabilities,

guarantees, covenants and duties owed by the Borrower to the Bank, whether or

not evidenced by the Agreement or any other agreement, absolute or contingent,

due or to become due, now existing or hereafter and howsoever created.

 

IN WITNESS WHEREOF, the

parties hereto have caused this Amendment to be executed as of the day and year

first above written.

 

	

   

  	

  SCHEID VINEYARDS CALIFORNIA INC.,

  
	

   

  	

  a California corporation, as the Borrower

  
	

   

  	

   

  
	

   

  	

   

  
	

   

  	

  By

  	

  /s/ Heidi M. Scheid

  
	

   

  	

   

  	

  Heidi M. Scheid, Senior

  Vice President

  

 

 

	

   

  	

   

  	

  UNITED CALIFORNIA BANK, a California banking

  corporation, formerly known as Sanwa Bank California, as Bank

  
	

   

  	

   

  	

   

  
	

   

  	

   

  	

   

  
	

   

  	

   

  	

  By:

  	

  /s/ John F. King

  	

   

  
	

   

  	

   

  	

  Title:

  	

  John F. King, AVP

  	

   

  
						

 

EXHIBIT

A

 

CROP

BUDGET

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