Document:

<PAGE>

                                                                 EXHIBIT 4(d)(2)

                    _____________________________________

                             FORBEARANCE AGREEMENT
                    _____________________________________

                         BACK BAY CAPITAL FUNDING, LLC
                                  The "Lender"

                             TEXFI INDUSTRIES, INC.
                                 The "Borrower"

                            AS OF DECEMBER 28, 1999
<PAGE>

     THIS FORBEARANCE AGREEMENT (hereinafter, this "Agreement") made this 28th
day of December, 1999 by and between:

BACK BAY CAPITAL FUNDING, LLC f/k/a Back Bay Capital, LLC (hereinafter, the
"Lender"), a Delaware limited liability company with its principal offices
located at 40 Broad Street, Boston, Massachusetts; and

TEXFI INDUSTRIES, INC. (hereinafter, the "Borrower"), a Delaware corporation
with its principal office located at 1430 Broadway, New York, New York.

Background
----------

Reference is made to a certain loan arrangement (hereinafter, the "Loan
Arrangement") maintained by and between the Lender and the Borrower evidenced
by, among other things, the following documents, instruments, and agreements
(hereinafter collectively, the "Loan Documents"). (Capitalized terms used in
this Agreement and not otherwise defined shall have the meanings as defined in
the Loan Documents):

     1.   Term Loan and Security Agreement (hereinafter, the "Loan Agreement")
dated August 28, 1998, as modified by a certain Forbearance Agreement dated
February 28, 1999, as amended and extended as of May 28, 1999, September 28,
1999, and October 8, 1999;

     2.   Term Note (hereinafter, the "Term Note") dated August 28, 1998 made by
the Borrower payable to the Lender;

The Borrower has defaulted under the Loan Agreement and the Term Note and the
Lender has, among other things, (i) notified the Borrower of the occurrence of
an Event of Default, (ii) accelerated all Liabilities and declared them to be
immediately due and payable in full, and (iii) commenced suit against the
Borrower in the Commonwealth of Massachusetts, Suffolk County Superior Court,
Civil Action No. 99-6050-F (hereinafter, the "Civil Action"). The Borrower has
requested that the Lender forbear from exercising its rights and remedies upon
default. The Lender has agreed to so forbear, but only upon the terms and
conditions set forth herein.

Accordingly, for good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, it is hereby agreed by and between the Lender and
the Borrower, as follows:
<PAGE>

                        Acknowledgment of Indebtedness
                        ------------------------------

     1.   The Borrower hereby acknowledges and agrees that it is currently
          unconditionally liable to the Lender for the following amounts
          (hereinafter all amounts due as set forth in this Paragraph 1 shall be
          referred to collectively as the "Obligations")/1/:

                    1.  Term Note:       Principal             $12,285,544.26

                                    Current Pay Interest       $    41,527.78
                                    [Exclusive of interest to be paid pursuant
                                    to Paragraph 4(a), below]

                    2.  PIK Interest                           $    47,983.67

                    3.  Collateral Monitoring Fee              $    38,500.00

                    4.  Appraisal Fees                         $    32,580.11

                    e.  Legal Fees and Expenses [Estimate]     $    65,000.00

                    f.  All Current Pay Interest and PIK Interest hereafter
                        accruing under the Term Note, and all costs, expenses,
                        and costs of collection (including attorneys' fees)
                        hereafter incurred by the Lender in connection with the
                        Loan Arrangement.

                               Waiver of Claims
                               ----------------

     2.   The Borrower, for itself and on behalf of its officers, directors,
          employees, attorneys, representatives, administrators, successors, and
          assigns hereby acknowledges and agrees that it has no offsets,
          defenses, claims, or counterclaims against the Lender or its officers,
          directors, employees, attorneys, representatives, parent, affiliates,
          successors, and assigns with respect to the Obligations, or otherwise,
          and that if the Borrower now has, or ever did have, any offsets,
          defenses, claims, or counterclaims against the Lender or its officers,
          directors, employees, attorneys, representatives, parent, affiliates,
          successors, and assigns, whether known or unknown, at law or in
          equity, from the beginning of the world through this date and

_________________________

/1/ The following amounts are calculated as of December 10, 1999

                                       3
<PAGE>

          through the time of execution of this Agreement, all of them are
          hereby expressly WAIVED, and the Borrower hereby RELEASES the Lender
          and its officers, directors, employees, attorneys, representatives,
          parent, affiliates, successors, and assigns from any liability
          therefor.

               Ratification of Loan Documents; Further Assurances
               --------------------------------------------------

     3.   The Borrower:

          a.   Hereby ratifies and confirms all and singular the terms and
               conditions of the Loan Documents. The Borrower further
               acknowledges and agrees that, except as specifically modified in
               this Agreement, all terms and conditions of the Loan Documents
               shall remain in full force and effect; and

          b.   Shall, from and after the execution of this Agreement, execute
               and deliver to the Lender whatever additional documents,
               instruments, and agreements that the Lender reasonably may
               require in order to vest or perfect the Loan Documents and the
               collateral granted therein more securely in the Lender and to
               otherwise give effect to the terms and conditions of this
               Agreement.

                             Conditions Precedent
                             --------------------

     4.   In order to induce the Lender to enter into this Agreement, and as
          precondition to the Lender's forbearance:

          a.   The Borrower shall, upon the execution of this Agreement, pay to
               the Lender all accrued and unpaid Current Pay Interest through
               and including November 30, 1999 in the amount of $253,319.44.

          b.   The Borrower hereby ratifies the prior payment to the Lender of
               the unpaid balance of the Anniversary Fee through an increase to
               the outstanding principal balance of the Term Note.

          c.   The Borrower shall have entered into, prior to or simultaneously
               with the execution of this Agreement, a forbearance agreement
               (the "Tranche A Forbearance Agreement") on terms and conditions
               satisfactory to the Lender, in the Lender's sole and exclusive
               discretion, with  BankBoston, N. A., in its capacity as agent (in
               such capacity, together with its successors in such capacity, the
               "Agent") on behalf of certain Lenders (the "Tranche A Lenders"),
               and the Tranche A Lenders with respect to the Loan and Security
               Agreement (the "Tranche A Loan Agreement") dated as of August 28,
               1998

                                       4
<PAGE>

               entered into by and between the Borrower, the Agent, and the
               Tranche A Lenders.

          d.   The Lender shall have entered into, prior to or simultaneously
               with the execution of this Agreement, a letter agreement with the
               Agent confirming the terms and conditions, when applicable, under
               which the Intercreditor Agreement dated August 28, 1998 between
               the Agent and the Lender will be amended to address the Working
               Capital Infusions, as described in Paragraph 6(d) below.

                           Submission of Projections
                           -------------------------

     5.   The Borrower has submitted to the Lender financial projections
          (hereinafter, "Projections") dated December 3, 1999 of the Borrower's
          cash availability for the period from November, 1999 through May,
          2000, a copy of which is annexed hereto marked Exhibit "A".

          a.   The Borrower hereby warrants and represents to the Lender that
               the Projections contain the Borrower's best, good faith
               determination of its projected cash availability for the period
               represented in the Projections; and

          b.   The Borrower shall use its reasonable best efforts to (i) meet
               the financial performance benchmarks contained in the Projections
               or on which the Projections are based, and (ii) operate its
               business in accordance with the Projections and the assumptions
               on which they are based, including without limitation, payment of
               all past due, current, and future real estate taxes and other
               liens and assessments with respect to the Borrower's real and
               personal property.

                           Working Capital Infusions
                           -------------------------

     6.   The Borrower has advised the Lender that the Projections include,
          among other things, cash availability based in part on the Borrower's
          receipt of additional subordinated debt or equity infusions during the
          period from January 15, 2000 through the Termination Date (as defined
          in Paragraph 8(c), below).

          a.   The Borrower shall receive, on or about the 15th day of January,
               2000, but in no event later than January 20, 2000, additional
               subordinated debt or an equity infusion in the amount of
               $500,000.00;

                                       5
<PAGE>

          b.   The Borrower shall receive, on or about the 15th day of February,
               2000, but in no event later than February 21, 2000, additional
               subordinated debt or an equity infusion in the amount of
               $500,000.00;

          c.   The Borrower shall receive, on or about the 15th day of March,
               2000, but in no event later than March 20, 2000, additional
               subordinated debt or an equity infusion in the amount of
               $500,000.00;

          d.   Each new infusion of subordinated debt or equity shall be through
               a subordinated last-out participation in the loans under the
               Tranche A Loan Agreement which increases the "Borrowing Base"
               under, and as defined in, the Tranche A Loan Agreement by a like
               amount. Such participation shall be subordinate in collateral
               priority and repayment terms to the Obligations, and otherwise on
               terms and conditions satisfactory to the Lender, in the Lender's
               sole and exclusive discretion.

                          Satisfaction of Obligations
                          ---------------------------

     7.   The Borrower has indicated to the Lender that it intends to satisfy
          all amounts due under the Loan Arrangement in full through the
          proceeds of a refinancing loan from a replacement lender, additional
          infusions of equity, or the sale of the Borrower's assets.  In that
          regard, the Borrower shall, to the extent not otherwise confidential,
          keep the Lender apprised of all material developments in connection
          with the Borrower's efforts to consummate the refinancing, the equity
          infusion, or the sale of assets and provide the Lender with copies of
          any notices or other communication relating to thereto.

                         Repayment of the Obligations
                         ----------------------------

     8.   From and after the execution of this Agreement, the Obligations shall
          be repaid, as follows:

          a.   Monthly Payments.  Interest shall continue to accrue on the
               outstanding principal balance of the Term Note at the rate of
               Sixteen (16%) percent per annum. Monthly payments of Current Pay
               Interest shall continue to be made on the Term Note each month:

                    (i)   On the seventh day of January, 2000;

                    (ii)  On the first day of February, 2000;

                    (iii) On the first day of March, 2000; and

                                       6
<PAGE>

                    (iv)  On the first day of April, 2000.

          b.   PIK Interest.  PIK Interest shall continue to accrue in
               accordance with the terms of the Loan Agreement;

          c.   Termination Date.  The entire outstanding balance of the
               Obligations, including all principal, interest (accrued and
               hereafter accruing, Current Pay and PIK), other fees, and
               reasonable and necessary charges, costs, expenses, and costs of
               collection (including reasonable attorneys' fees), shall be paid
               in full, if not sooner payable upon the occurrence of a
               Termination Event (as defined in Paragraph 12, below), on or
               before 5:00 P.M. Boston time on Friday, April 30, 2000
               (hereinafter, the "Termination Date").

                             Alternative Payments
                             --------------------

     9.   Notwithstanding the terms and conditions of Paragraph 6(b) (a Working
          Capital Infusion) or Paragraph 8(a) (Monthly Payments of Current Pay
          Interest), in the event that the Working Capital Infusion of
          $500,000.00 due on or about February 15, 2000 has not been received on
          or before February 21, 2000, then the Borrower shall pay to the Lender
          $100,000.00 in principal on each of February 21, 2000, March 20, 2000,
          and April 20, 2000.

          a.   If the Borrower makes the foregoing payments, then no Termination
               Event shall occur as a result of the failure of the Borrower to
               have complied with the terms of Paragraph 6(b);

          b.   The Borrower shall remain obligated to make the monthly payments
               of Current Pay Interest on March 1, 2000, and April 1, 2000;

                                       7
<PAGE>

                         c.  The Borrower shall remain obligated to make the
               payment of $100,000.00 in principal on March 2000, even if an
               additional Working Capital Infusion is received in March, 2000.

                       Financial Reporting Requirements
                       --------------------------------

                       10.  In addition to any other reporting requirements
          contained in the Loan Agreement, the Borrower shall use its good faith
          best efforts to:

                            a.  Submit the following information to the Lender
               by the specified dates and times:

                                (i)  As and when submitted to the Tranche A
                                     Lenders, via telecopier, a copy of the
                                     "Borrowing Base Certificate" provided to
                                     the Agent or the Tranche A Lenders;

                                (ii) As and when requested by the Lender, such
                    other and further information that the Lender reasonably may
                    require from time to time.

                            b.  Confirm in writing with the submission of each
               financial report that all of the information contained therein
               is, to the best of the Borrower's knowledge, true, accurate, and
               complete.

                            c.  Permit the Lender to conduct field audits,
               appraisals, and examinations of the Borrower's business
               operations and assets, as and when deemed necessary or
               appropriate by the Lender. The Borrower shall reimburse the
               Lender on demand for the reasonable expenses of One (1) of each
               (i) field audit, (ii) appraisal, and (iii) examination.

                       Forbearance by Lender
                       ---------------------

                       11.  The Lender shall forbear from enforcing its rights
          and remedies as a result of the Borrower's defaults, until the earlier
          of (i) the occurrence of a Termination Event, as defined in Paragraph
          12, below, or (ii) the Termination Date.

                            a.  In particular, upon the execution of this
               Agreement and satisfaction of each of the Conditions Precedent
               set forth in Paragraph 4, above, the Lender shall postpone the
               hearing in the Civil Action on the Lender's request for
               injunctive relief, currently scheduled for Tuesday, December 28,
               1999 at 2:00 P. M., until on or after January 21, 2000.

                                       8
<PAGE>

                         b.  If the Working Capital Infusion due under Paragraph
               6(a), above, has been timely received by the Borrower, and so
               long as no other Termination Event has occurred, then the Lender
               shall further postpone the hearing in the Civil Action on the
               Lender's request for injunctive relief until on or after February
               2, 2000.

                         c.  If the monthly payment of Current Pay Interest due
               under Paragraph 8(a)(ii), above, has been timely made by the
               Borrower, and so long as no other Termination Event has occurred,
               then on or about February 3, 2000, the Lender shall file a notice
               of voluntary dismissal, without prejudice, in the Civil Action.

                         d.  The Lender agrees that the Borrower need not file
               an Answer to the Lender's Complaint in the Civil Action until
               Five (5) days after the occurrence of a Termination Event.

                         e.  Nothing contained in this Agreement shall
               constitute a waiver by the Lender of any Event of Default under
               the Loan Documents, whether now existing or hereafter arising.
               This Agreement shall only constitute an agreement by the Lender
               to forbear from enforcing its rights and remedies upon the terms
               and conditions set forth herein.

                         Termination Events
                         ------------------

                    12.  The occurrence of any one or more of the following
          events shall constitute a termination event (hereinafter, a
          "Termination Event") under this Agreement:

                         a.  The failure of the Borrower to promptly,
               punctually, or faithfully perform any term or condition of this
               Agreement (other than under Paragraph 10(a)(i) - - as to which,
               see Paragraph 12(b), below) as and when due, it being expressly
               acknowledged and agreed that TIME IS OF THE ESSENCE;

                         b.  The failure of the Borrower to have submitted the
               "Borrowing Base Certificate" required by Paragraph 10(a)(i),
               above, for Three (3) consecutive days;

                         c.  The failure of the Borrower to pay any amount
               required to be paid to the Lender under this Agreement as and
               when due, including without limitation, the failure of the
               Borrower to pay all Obligations in full on or before 5:00 p.m.
               Boston time on the Termination Date, it being expressly
               acknowledged and agreed that TIME IS OF THE ESSENCE;

                                       9
<PAGE>

                         d.  The commencement of any case under the United
               States Bankruptcy Code by or against the Borrower;

                         e.  The occurrence of any event of default by the
               Borrower under the Tranche A Forbearance Agreement, through the
               failure of the Borrower to satisfy the Tranche A "Forbearance
               Conditions" set forth therein or otherwise, unless the Tranche A
               Lenders have not acted upon the event of default and are
               continuing to make loans to the Borrower in accordance with the
               Tranche A Loan Agreement.

                        Rights Upon Termination
                        -----------------------

                    13.  Upon the occurrence of any Termination Event:

                         a.  The agreement of the Lender to forbear as set forth
               in this Agreement shall automatically terminate and the Lender
               may immediately commence enforcing its rights and remedies
               pursuant to the Loan Documents, and otherwise;

                         b.  All Obligations shall be immediately due and
               payable in full, without demand, notice, or protest, all of which
               are hereby expressly WAIVED; and

                         c.  Interest shall thereafter accrue on the unpaid
               principal balance of the Term Note at the rate of Nineteen (19%)
               percent per annum.

                           Costs of Collection
                           -------------------

                    14.  The Borrower shall reimburse the Lender on demand for
          any and all reasonable and necessary costs, expenses, and costs of
          collection (including reasonable attorneys' fees) hereafter incurred
          by the Lender in connection with the protection, preservation, and
          enforcement by the Lender of its rights and remedies.

                                    Notices
                                    -------

                    15.  Any communication between the Lender and the Borrower
          shall be forwarded via (i) telecopier or (ii) recognized overnight
          courier, addressed as follows:

                         If to the Lender:  Back Bay Capital Funding, LLC
                                            40 Broad Street

                                       10
<PAGE>

                                            Boston, Massachusetts 02109
                                            Attention:  Michael Pizette,
Managing Director                           Telecopier No. (617) 434-4312

                         With a copy via telecopier to:

                                            Donald E. Rothman, Esquire
                                            Riemer & Braunstein, LLP
                                            Three Center Plaza
                                            Boston, Massachusetts 02108
                                            Telecopier No. (617) 880-3456

                         If to the Borrower:

                                            Texfi Industries, Inc.
                                            1430 Broadway
                                            New York, New York 10018
                                            Attention: Robert P. Ambrosini
                                            Telecopier No. (212) 930-7208

                         With copies via telecopier to:

                                            James Shein, Esquire
                                            McDermott, Will & Emery
                                            227 West Monroe Street
                                            Chicago, Illinois 60606-5096
                                            Telecopier No. (312) 984-2134

                                            Robert Dehney, Esquire
                                            Morris Nichols, Arsht & Tunnell
                                            1201 North Market Street
                                            P. O. Box 1347
                                            Wilmington, Delaware 19899-1347
                                            Telecopier No. (302) 658-3989

                                    Waivers
                                    -------

                    16.  Non-Interference. From and after the occurrence of any
          Event of Default, the Borrower agrees not to interfere with the
          exercise by the Lender of any of its rights and remedies. The Borrower
          further agree that they shall not seek to distrain or otherwise
          hinder, delay, or impair the Lender's efforts to realize upon the
          Collateral, or otherwise to enforce its rights and remedies pursuant
          to the Loan Documents. The provisions of this Paragraph 16 shall be
          specifically enforceable by the Lender.

                                       11
<PAGE>

                    17.  Jury Trial. The Borrower hereby makes the following
          waiver knowingly, voluntarily, and intentionally, and understands that
          the Lender, in entering into this Agreement or making any financial
          accommodations to the Borrower, whether now or in the future, is
          relying on such a waiver: THE BORROWER HEREBY IRREVOCABLY WAIVES ANY
          PRESENT OR FUTURE RIGHT TO A JURY IN ANY TRIAL OF ANY CASE OR
          CONTROVERSY IN WHICH THE LENDER BECOMES A PARTY (WHETHER SUCH CASE OR
          CONTROVERSY IS INITIATED BY OR AGAINST THE LENDER OR IN WHICH THE
          LENDER IS JOINED AS A PARTY LITIGANT), WHICH CASE OR CONTROVERSY
          ARISES OUT OF, OR IS IN RESPECT OF, ANY RELATIONSHIP BETWEEN THE
          BORROWER, OR ANY OTHER PERSON, AND THE LENDER.

                               Entire Agreement
                               ----------------

                    18.  This Agreement shall be binding upon the Borrower and
          the Borrower's officers, directors, employees, representatives,
          successors, and assigns, and shall inure to the benefit of the Lender
          and the Lender's successors and assigns. This Agreement and all
          documents, instruments, and agreements executed in connection herewith
          incorporate all of the discussions and negotiations between the
          Borrower and the Lender, either expressed or implied, concerning the
          matters included herein and in such other documents, instruments and
          agreements, any statute, custom, or usage to the contrary
          notwithstanding. No such discussions or negotiations shall limit,
          modify, or otherwise affect the provisions hereof. No modification,
          amendment, or waiver of any provision of this Agreement, or any
          provision of any other document, instrument, or agreement between the
          Borrower and the Lender shall be effective unless executed in writing
          by the party to be charged with such modification, amendment, or
          waiver, and if such party be the Lender, then by a duly authorized
          officer thereof.

                           Construction of Agreement
                           -------------------------

                    19.  In connection with the interpretation of this Agreement
          and all other documents, instruments, and agreements incidental
          hereto:

                         a.  All rights and obligations hereunder and
               thereunder, including matters of construction, validity, and
               performance, shall be governed by and construed in accordance
               with the law of the Commonwealth of Massachusetts and are
               intended to take effect as sealed instruments.

                         b.  The captions of this Agreement are for convenience
               purposes only, and shall not be used in construing the intent of
               the Lender and the Borrower under this Agreement.

                                       12
<PAGE>

                         c.  In the event of any inconsistency between the
               provisions of this Agreement and any other document, instrument,
               or agreement entered into by and between the Lender and the
               Borrower, the provisions of this Agreement shall govern and
               control.

                         d.  The Lender and the Borrower have prepared this
               Agreement and all documents, instruments, and agreements
               incidental hereto with the aid and assistance of their respective
               counsel. Accordingly, all of them shall be deemed to have been
               drafted by the Lender and the Borrower and shall not be construed
               against either (i) the Lender, or (ii) the Borrower.

                        Illegality or Unenforceability
                        ------------------------------

                    20.  Any determination that any provision or application of
          this Agreement is invalid, illegal, or unenforceable in any respect,
          or in any instance, shall not affect the validity, legality, or
          enforceability of any such provision in any other instance, or the
          validity, legality, or enforceability of any other provision of this
          Agreement.

                                 Jurisdiction
                                 ------------

                    21.  The Borrower and the Lender agree that any legal
          action, proceeding, case, or controversy with respect to this
          Agreement and the Obligations or any Loan Document shall be brought in
          the Superior Court of Suffolk County Massachusetts or in the United
          States District Court, District of Massachusetts, sitting in Boston,
          Massachusetts and that such Courts shall have exclusive jurisdiction
          with respect to such action. By execution and delivery of this
          Agreement, the Borrower and the Lender, for themselves and in respect
          of their property, accept, submit, and consent generally and
          unconditionally, to the jurisdiction of the aforesaid courts.

                         a.  The Borrower and the Lender WAIVE personal service
                                                         -----
               of any and all process upon either of them, and irrevocably
               consent to the service of process out of any of the
               aforementioned courts in any such action or proceeding by the
               mailing of copies thereof by certified mail, postage prepaid, to
               them at their address set forth above, such service to become
               effective five (5) business days after such mailing.

                         b.  The Borrower and the Lender WAIVE any objection
                                                         -----
               based on forum non conveniens and any objection to venue of any
               action or proceeding instituted under this Agreement or any of
               the Loan Documents and consent to the granting of such legal or
               equitable remedy as is deemed appropriate by the Court.

                                       13
<PAGE>

                              Informed Execution
                              ------------------

                    22.  The Borrower warrants and represents to the Lender that
          the Borrower:

                         a.  Has read and understands all of the terms and
               conditions of this Agreement;

                         b.  Intends to be bound by the terms and conditions of
               this Agreement; and

                         c.  Is executing this Agreement freely and voluntarily,
               without duress, after consultation with independent counsel of
               the Borrower's  own selection.

IN WITNESS WHEREOF, this Agreement has been executed this 28 day of December,
1999.

BACK BAY CAPITAL FUNDING, LLC        TEXFI INDUSTRIES, INC.

By: /s/ Michael Pizette              By: /s/ Robert P. Ambrosini
Michael Pizette                      Robert P. Ambrosini
Title: Managing Director             Title: EVP & CFO

                                       14<PAGE>

                                                                 EXHIBIT 4(d)(3)

                             FORBEARANCE AGREEMENT
                             ---------------------

         This FORBEARANCE AGREEMENT (this "Agreement") is made and entered into
on December 28, 1999, by and among TEXFI INDUSTRIES, INC. ("Borrower"), THE CIT
GROUP/COMMERCIAL SERVICES, INC. ("CIT"), BANKBOSTON, N.A. ("BankBoston";
collectively with CIT, the "Revolving Lenders"), and BANKBOSTON, N.A., in its
capacity as administrative and collateral agent for the Revolving Lenders
(together with its successors in such capacity, "Agent;" collectively, with CIT
and BankBoston, the "Creditors").

                                   Recitals
                                   --------

         As of the opening of business on the date hereof, Borrower is indebted
to Revolving Lenders in the approximate aggregate principal amount of
$16,935,000 (hereinafter, together with all interest, attorneys' fees and other
expenses heretofore or hereafter accruing or chargeable to Borrower, the
"Revolver Obligations") under that certain Loan and Security Agreement dated as
of August 28, 1998, among Borrower, Revolving Lenders and Agent (as at any time
amended, the "Revolving Loan Agreement").

         As security for the payment of all Revolver Obligations, Borrower
granted to Agent, pursuant to the Revolving Loan Agreement and related documents
(collectively, "Revolving Loan Documents"), security interests in and liens upon
all of Borrower's accounts, inventory, general intangibles, chattel paper,
documents, and instruments and related books and records (together with the
proceeds thereof, the "Working Capital Collateral") and all of Borrower's real
property (including all improvements thereto) and equipment (together with the
proceeds thereof, the "Fixed Asset Collateral"; the Working Capital Collateral
and the Fixed Asset Collateral being referred to as the "Collateral").

         Borrower and CIT are parties to a factoring agreement (as at any time
amended, the "Factoring Agreement"). Pursuant to the Factoring Agreement, CIT,
as a factor (in such capacity, the "Factor") has from time to time purchased or
otherwise assumed the credit risk with respect to certain of Borrower's
accounts. The liens and security interests granted in favor of Agent with
respect to the Collateral also secure certain "ledger debt" of Borrower to CIT
(together with Borrower's obligations to CIT under the Factoring Agreement, the
"Factor Obligations").

         Events of Default under (and as defined in) the Revolving Loan
Agreement have occurred and are continuing by reason of Borrower's failure to
comply with or default in its obligations under or covenants in Sections 9.6,
10.1 and 11.1 and by reason of the occurrence of events or conditions described
in paragraphs (b), (d), (e), (f) and (l) of Section 12.1 of the Revolving Loan
Agreement (the "Revolving Loan Defaults"). The foregoing Revolving Loan Defaults
together with any defaults that may exist on the date hereof under the Factoring
Agreement are referred to hereinafter as the "Stipulated Defaults."

         Borrower, Revolving Lenders, Agent, Factor, Leasing (as defined below),
and Back Bay (as defined below) are parties to that certain Forbearance
Agreement dated as of February 25, 1999 (as at any time amended, the "Prior
Forbearance Agreement"), and the forbearance period agreed to by the parties
pursuant to the Prior Forbearance Agreement has expired.

         Borrower has requested that Creditors forbear, and each Creditor has
agreed to forebear, for a specified period from exercising the various rights
and remedies available to them by reason of any Stipulated Default in order to
afford Borrower an opportunity to reorganize its affairs and to pay the
indebtedness owing to Creditors.
<PAGE>

         Borrower desires that Revolving Lenders continue, during the period of
such forbearance, to make loans to Borrower pursuant to the Revolving Loan
Agreement and that Factor continue, during the period of such forbearance, to
factor Borrower's receivables pursuant to the Factoring Agreement.

         NOW, THEREFORE, for TEN DOLLARS ($10.00) in hand paid and in
consideration of the premises and the mutual covenants herein contained, the
parties hereto, intending to be legally bound hereby, agree as follows:

1.               Definitions; Rules of Construction.
                 ----------------------------------

(a)            Capitalized terms used in this Agreement, unless otherwise
defined, shall have the meaning ascribed to them in the Revolving Loan
Agreement. In addition to the terms defined elsewhere in this Agreement, the
following terms shall have the meaning ascribed to them (terms defined in the
singular to have the same meaning when used in the plural and vice versa):

                  "1990 Debentures" shall mean the Subordinated Extendible
                   ---------------
         Debentures, 11%, due April 1, 2000, issued pursuant to that certain
         Indenture dated as of April 12, 1990, between Borrower, State Street
         Bank and Trust Company, as Trustee and First Union National Bank, as
         paying agent.

                  "1993 Debentures" shall mean the Senior Subordinated
                   ---------------
         Debentures, 8.75%, due August 1, 1999, issued pursuant to that certain
         Indenture dated as of September 8, 1993, between Borrower and Norwest
         Bank Minnesota, National Association, as successor trustee, as amended
         by the First Supplemental Indenture dated as of March 10, 1995, the
         Second Supplemental Indenture, dated as of March 15, 1996 and the Third
         Supplemental Indenture dated as of August 28, 1998.

                  "Amended Assignment" shall mean the Amended and Restated
                   ------------------
         Assignment of Factoring Proceeds Agreement to be entered into among
         Agent, Factor and Borrower, in form and substance mutually acceptable
         to the parties thereto.

                  "Back Bay" shall mean Back Bay Capital Funding, LLC (formerly
                   --------
         known as Back Bay Capital, LLC), a Delaware limited liability company.

                  "Back Bay Forbearance Agreement" shall mean that certain
                   ------------------------------
         Forbearance Agreement between Back Bay and Borrower to be dated on or
         about the date hereof.

                  "Back Bay Liquidation Notice" shall have the meaning ascribed
                   ---------------------------
         to it in the Intercreditor Agreement.

                  "Back Bay Termination Event" shall have the meaning ascribed
                   --------------------------
         to it in the Back Bay Forbearance Agreement.

                  "Collateral" shall mean all of the property and interests in
                   ----------
         property of Borrower that now or hereafter secure the payment and
         performance of any of the Obligations.

                  "Credit Documents" shall mean the Factoring Agreement and the
                   ----------------
         Revolving Loan Documents and all other instruments and agreements at
         any time executed in favor of a Creditor in connection therewith,
         including the Amended Assignment.
<PAGE>

                  "Default Rate" shall mean any higher rate of interest or other
                   ------------
         charges that a Creditor is entitled to charge Borrower on account of
         the existence of any default or event of default under any of the
         Credit Documents.

                  "Forbearance Conditions" shall mean the conditions to
                   ----------------------
         forbearance set forth in Section 4 of this Agreement.

                  "Forbearance Period" shall mean the period commencing on the
                   ------------------
         date of this Agreement and ending at 5:00 p.m. on the close of business
         on April 30, 2000, unless extended in writing by Creditors in their
         sole and absolute discretion.

                  "Forbearance Termination Date" shall mean the sooner to occur
                   ----------------------------
         of (a) 5:01 p.m. on the last day of the Forbearance Period or (b) the
         date on which Creditors' agreement to forbear terminates as provided in
         Section 6 of this Agreement.

                  "Governmental Authority" shall mean any federal, state,
                   ----------------------
         municipal, national, foreign or other governmental department,
         commission, board, bureau, court, agency or instrumentality or
         political subdivision thereof or any entity or officer exercising
         executive, legislative, judicial, regulatory or administrative
         functions of or pertaining to any government or any court, in each case
         whether associated with a state of the United States, the District of
         Columbia or a foreign entity or government.

                  "Insolvency Proceeding" shall mean any action, case or
                   ---------------------
         proceeding commenced by or against a Person, or any agreement of such
         Person, for (a) the entry of an order for relief under any chapter of
         the Bankruptcy Code or other insolvency or debt adjustment law (whether
         state, federal or foreign); (b) the appointment of a receiver, trustee,
         liquidator or other custodial for such Person or any part of its
         Property; (c) an assignment or trust mortgage for the benefit of
         creditors of such Person; or (d) the liquidation, dissolution or
         winding up of the affairs of such Person.

                  "Intercreditor Agreement" shall mean that certain
                   -----------------------
         Intercreditor Agreement dated August 28, 1998, between Agent and Back
         Bay.

                  "Junior Participant" shall mean a Person reasonably acceptable
                   ------------------
         to Agent and Revolving Lenders who agrees to purchase junior
         participation interests in the Revolving Credit Loans pursuant to the
         Junior Participation Agreement.

                  "Junior Participation Agreement" shall mean a Junior
                   ------------------------------
         Participation Agreement to be entered into by and among Junior
         Participant, Agent and Revolving Lenders, in form and substance
         acceptable to Agent and Revolving Lenders in their sole discretion,
         pursuant to which Junior Participant shall purchase from Revolving
         Lenders aggregate junior participation interests totaling $2,500,000 in
         the Revolving Credit Loans.

                  "Leasing" shall mean BancBoston Leasing Inc.
                   -------

                  "Material Action" shall mean any of the following actions
                   ---------------
         taken by any creditor of Borrower (including a trade creditor, Back
         Bay, any holder of Subordinated Debt, Leasing or any other equipment
         lessor) to collect any indebtedness or other obligations owed by
         Borrower to such creditor: (1) obtaining a judgment against Borrower in
         excess of $75,000; (2) commencing enforcement proceedings upon any
         judgment or order; (3) attaching, garnishing, reclaiming, repossessing,
         foreclosing or liquidating any material part of Borrower's property; or
         (4)
<PAGE>

         challenging the validity, perfection or priority of any Liens of any
         Creditor on any Collateral securing any of the Obligations or the
         validity or enforceability of this Agreement or any of the other Credit
         Documents.

                  "MAIL" shall mean Moore Assets International Limited
                   ----
         (Registration No. 84998B), a company organized under the International
          Business Companies Act of the Commonwealth of the Bahamas.

                  "MAIL Loan" shall mean that certain $1,500,000 unsecured loan
                   ---------
         made by MAIL to Borrower and evidenced by that certain Subordinated
         Note dated February 26, 1999, payable by Borrower to the order of MAIL
         in the original principal amount of $1,500,000.

                  "Obligations" shall mean, collectively, the Revolving Loan
                   -----------
         Obligations and the Factor Obligations.

                  "Payroll Taxes" shall mean all taxes and deposits required to
                   -------------
         be paid or withheld from the wages or salaries of Borrower's employees.

                  "Projections" shall mean the financial projections prepared by
                   -----------
         Borrower dated December 3, 1999 which show the Borrower's projected
         cash availability from the period from November 1999 through May 2000,
         a copy of which is attached hereto as Exhibit A.

                  "Revolving Loan Obligations" shall mean the "Secured
                   --------------------------
         Obligations" under (and as defined in) the Revolving Loan Agreement.

                  "Subordinated Debt" shall mean the indebtedness of Borrower
                   -----------------
         outstanding under the 1990 Debentures, the 1993 Debentures and the MAIL
         Loan.

(b)                 The terms "herein," "hereof" and "hereunder" and other words
of similar import refer to this Agreement as a whole and not to any particular
section, paragraph or subdivision. Any pronoun used shall be deemed to cover all
genders. In the computation of periods of time from a specified date to a later
specified date, the word "from" means "from and including" and the words "to"
and "until" each means "to but excluding." The section titles appear as a matter
of convenience only and shall not affect the interpretation of this Agreement.
All references to statutes and related regulations shall include any amendments
of same and any successor statutes and regulations; to any agreement shall
include any and all modifications thereto and any and all restatements,
extensions or renewals thereof; to any Person shall mean and include the
successors and permitted assigns of such Person; to "including" and "include"
shall be understood to mean "including, without limitation" (and, for purposes
of this Agreement, the parties agree that the rule of ejusdem generis shall not
be applicable to limit a general statement, which is followed by or referable to
an enumeration of specific matters to matters similar to the matters
specifically mentioned); and to the time of day shall mean the time of day on
the day in question in Atlanta, Georgia, unless otherwise expressly provided in
this Agreement. This Agreement and all documents, instruments and agreements
incidental hereto have been prepared with the assistance of Creditors and
Borrower and with the aid and assistance of their respective counsel, and,
accordingly, this Agreement and all documents, instruments and agreements
incidental hereto shall be deemed to have been drafted by Creditors and Borrower
and shall not be construed against any party hereto.

2.                  Acknowledgments and Stipulations by Borrower. Borrower
                    --------------------------------------------
acknowledges, stipulates and agrees that (a) each of the recitals contained at
the beginning of this Agreement are true and correct, and (b) prior to executing
this Agreement, Borrower consulted with and had the benefit of
<PAGE>

advice of legal counsel of its own selection and has relied upon the advice of
such counsel, and in no part upon any representation of any Creditor concerning
the legal effects of this Agreement or any provision hereof.

3.                  Agreement to Forbear. Subject to the satisfaction of the
                    --------------------
conditions precedent set forth in Section 5 of this Agreement and if and for so
long as each of the Forbearance Conditions is satisfied, each Creditor agrees
that during the Forbearance Period it will not, solely by reason of the
existence on this date of any of the Stipulated Defaults, (a) exercise any
default remedy available to such Creditor under any of the Credit Documents or
Applicable Law to enforce collection from Borrower of any of the Obligations
owing to such Creditor or to foreclose any security interest of such Creditor in
any of the Collateral or (b) charge any Default Rate with respect to the
principal balance of any of the Obligations owing to such Creditor. Neither this
Agreement nor any Creditor's forbearance hereunder shall be deemed to be a
waiver of or a consent to any Stipulated Default or any other default or event
of default now or hereafter occurring under any of the Credit Documents. Nothing
in this Agreement shall be construed to alter the demand nature of any portion
of the Obligations payable on demand under the terms of any of the Credit
Documents.

4.                  Conditions to Forbearance. The following conditions shall
                    -------------------------
constitute Forbearance Conditions, the timely satisfaction of each and every one
of which during the Forbearance Period shall be a condition to the agreement of
Creditors to forbear as set forth in Section 3 of this Agreement:

(a)                 Borrower duly and punctually observes, performs and
discharges each and every obligation and covenant on its part to be performed
under this Agreement;

(b)                 No representation or warranty made by Borrower in this
Agreement proves to have been false or misleading in any material respect;

(c)                 Borrower timely deducts from the wages of its employees and
makes timely and proper deposits for all Payroll Taxes as the same became due
and payable, and provides Creditors with proof of all deposits for Payroll Taxes
if, and when, requested to do so by any Creditor;

(d)                 No payments are made by Borrower on or after the date of
this Agreement to any Affiliate of Borrower or in respect of principal or
interest on any Subordinated Debt to the extent the holders of such Subordinated
Debt have contractually agreed not to accept such payment when any of the
Stipulated Defaults exist;

(e)                 Junior Participant purchases an aggregate of $2,500,000 in
junior participations in the Revolving Credit Loans from the Revolving Lenders
in five (5) installments of $500,000 each on January 15, 2000, February 15,
2000, March 15, 2000, March 31, 2000, and April 15, 2000;

(f)                 Borrower does not amend, modify or otherwise change any of
the terms or provisions of the Back Bay Forbearance Agreement as in effect on
the date hereof without the prior written consent of all Creditors;

(g)                 No Person to whom Borrower is indebted for money borrowed
(including the holders of the Subordinated Debt or Back Bay, but excluding
NationsBank Leasing with respect to its equipment leases with Borrower)
hereafter accelerates the maturity or demands payment of such indebtedness, in
whole or in part;
<PAGE>

(h)                 No Insolvency Proceeding is commenced by or against
Borrower;

(i)                 No Person institutes a Material Action against Borrower;

(j)                 No Back Bay Termination Event occurs;

(k)                 Back Bay does not issue a Back Bay Liquidation Notice on or
after the date hereof;

(l)                 On or before 2:00 p.m. on Tuesday of each week, Borrower
provides Agent with a report comparing the Projections to Borrower's actual cash
availability for the preceding week and delineating all variances from the
Projections;

(m)                 No default or event of default (other than the Stipulated
Defaults) occurs or exists under any of the Credit Documents; and

(n)                 Borrower factors all of its Receivables, other than House
Receivables, with one or more factors.

5.                  Conditions Precedent. The effectiveness of Creditors'
                    --------------------
agreement to forbear contained in Section 3 hereof is subject to the
satisfaction of each of the following conditions precedent, in form and
substance satisfactory to Creditors, unless satisfaction thereof is specifically
waived in writing by each Creditor: (a) Agent shall have received, for the
ratable benefit of the Revolving Lenders, a forbearance fee of $50,000; (b)
Borrower and Back Bay shall have entered into the Back Bay Forbearance Agreement
(to be in form and substance satisfactory to Creditors in their sole discretion)
and all conditions precedent to the effectiveness of such Back Bay Forbearance
Agreement shall have been satisfied; (c) Borrower, Agent and Lenders shall have
entered into a Fourth Amendment to Loan and Security Agreement, in form and
substance acceptable to each of the Creditors in their sole discretion; (d)
Agent, Factor and Borrower shall have entered into the Amended Assignment; (e)
Back Bay and Agent shall have entered into the First Amendment to Intercreditor
Agreement, in form and substance acceptable to each of the Creditors in their
sole discretion; and (f) Back Bay shall have either dismissed its pending
lawsuit against Borrower or continued the hearing thereon to a date after
January 20, 2000.

6.                  Termination of Forbearance. If any one or more of the
                    --------------------------
Forbearance Conditions is not satisfied or ceases to be satisfied, Creditors'
agreement to forbear as set forth in Section 3 of this Agreement shall, without
further notice to or demand upon Borrower, terminate. On and after the
Forbearance Termination Date, each Creditor shall be authorized at any time,
without further notice to or demand upon Borrower or any other Person, to
enforce all of its remedies under the Credit Documents to which it is a party
and Applicable Law.

7.                  Continued Financing of Borrower.
                    -------------------------------
<PAGE>

(a)                 Notwithstanding the existence of the Stipulated Defaults,
Revolving Lenders will continue during the Forbearance Period to honor requests
by Borrower for Revolving Credit Loans pursuant to the Revolving Loan Agreement,
subject, however, to all of the terms, conditions and covenants in the Revolving
Loan Agreement and subject to the continued satisfaction of each of the
Forbearance Conditions. In no event shall the Revolving Lenders' funding of any
Revolving Credit Loans be deemed a waiver of any of the Stipulated Defaults or
any other default or event of default that may occur or exist under the
Revolving Loan Documents. If the unpaid balance of Revolving Credit Loans
outstanding at any time should exceed the Borrowing Base at such time, all such
Revolving Credit Loans shall nevertheless constitute Revolving Loan Obligations
owing to the Revolving Lenders that are secured by the Collateral and entitled
to all of the benefits thereof.

(b)                 Notwithstanding the existence of the Stipulated Defaults,
CIT will continue during the Forbearance Period to factor Borrower's Receivables
pursuant to and subject to all the terms of the Factoring Agreement, but in no
event shall the CIT's continued factoring of Receivables be deemed a waiver of
any of the Stipulated Defaults or any other default or event of default that may
occur or exist under the Factoring Agreement. Nothing in this Agreement or the
Credit Documents is intended to be or shall be deemed to be a waiver by CIT of
any of its rights, powers or remedies with respect to that portion of the Factor
Obligations constituting "ledger debt" of Borrower.

8.                  Representations and Warranties of Borrower. Borrower
                    ------------------------------------------
represents and warrants to Creditors, as an inducement to Creditors' entering
into this Agreement, that (a) no default or event of default exists under the
Credit Documents, except for Stipulated Defaults that are in existence on the
date hereof; (b) subject to the existence of the Stipulated Defaults, the
representations and warranties of Borrower contained in the Credit Documents
were true and correct in all material respects when made and continue to be true
and correct in all material respects on the date hereof; (c) the execution,
delivery and performance by Borrower of this Agreement and the consummation of
the transactions contemplated hereby are within the corporate power of Borrower
and have been duly authorized by all necessary corporate action on the part of
Borrower, do not require any approval or consent, or filing with, any
Governmental Authority, do not violate any provisions of any Applicable Law or
any provision of any order, writ, judgment, injunction, decree, determination or
award presently in effect in which Borrower is named or any provision of the
organization documents of Borrower and do not result in a breach of or
constitute a default under any agreement or instrument to which Borrower is a
party or by which it or any of its properties are bound; (d) this Agreement
constitutes the legal, valid and binding obligation of Borrower, enforceable
against Borrower in accordance with its terms; (e) all Payroll Taxes required to
be withheld from the wages of Borrower's employees have been paid or deposited
when due; (f) Borrower is entering into this Agreement freely and voluntarily
with the advice of legal counsel of his or its own choosing; (g) Borrower has
freely and voluntarily agreed to the releases, waivers and undertakings set
forth in this Agreement; and (h) the Projections contain Borrower's best, good
faith determination of its projected cash availability for the period
represented in the Projections.

9.                  Reimbursement of Expenses. Notwithstanding anything to the
                    -------------------------
contrary contained in any of the Credit Documents, Borrower shall have no
obligation to reimburse any Creditor for the costs of any appraisal of
Collateral procured by such Creditor after the date hereof but prior to the
Forbearance Termination Date, and Borrower's liability to reimburse Creditors
for the costs of any field audit or examination conducted after the date hereof
but prior to the Forbearance Termination Date shall be limited to the amount of
costs, fees and other expenses reasonably incurred by Creditors in the conduct
of such field audit or examination. Borrower agrees to reimburse Creditors for
all costs, including reasonable legal fees, incurred by Creditors in connection
with the reviewing, preparing, drafting, negotiation and closing of this
Agreement, the Junior Participation Agreement, the amendment to the Revolving
Loan Agreement, the review of the Back Bay Forbearance Agreement and related
<PAGE>

documents, the review of the amendment to the Intercreditor Agreement, the
review and preparation of the Amended and Restated Assignment of Factoring
Proceeds and Intercreditor Agreement, and the transactions contemplated by the
foregoing documents. Except as expressly provided by the first sentence of this
Section 9, nothing herein shall be deemed to limit, amend or waive any of the
provisions of the Revolving Loan Agreement (including Section 15.2 thereof) or
any of the other Credit Documents relating to the payment of or reimbursement by
Borrower of fees and expenses of any Creditor.

10.                 Reaffirmation of Obligations. Borrower hereby ratifies and
                    ----------------------------
reaffirms each of the Credit Documents and all of its obligations and
liabilities thereunder.

11.                 Relationship of Parties; No Third Party Beneficiaries.
                    -----------------------------------------------------
Nothing in this Agreement shall be construed to alter the existing debtor-
creditor relationship between Borrower and Creditors. This Agreement is not
intended, nor shall it be construed, to create a partnership or joint venture
relationship between or among any of the parties hereto. No Person other than a
party hereto is intended to be a beneficiary hereof and no Person other than a
party hereto shall be authorized to rely upon or enforce the contents of this
Agreement. Nothing in this Agreement shall be construed to amend, modify or
alter in any way any of the terms or provisions of or agreements set forth in
the Prior Forbearance Agreement.

12.                 Time of Essence. Time is of the essence of this Agreement
                    ---------------
and all documents, instruments and agreements incidental hereto.

13.                 Entire Agreement; Modification of Agreement. This Agreement
                    -------------------------------------------
and the other Credit Documents constitute the entire understanding of the
parties with respect to the subject matter hereof and thereof. This Agreement
may not be modified, altered or amended except by agreement in writing signed by
all the parties hereto.

14.                 Governing Law. This Agreement shall be governed by and
                    -------------
construed in accordance with the internal laws of the State of Georgia.

15.                 Non-Waiver of Default. Neither this Agreement, any
                    ---------------------
Creditor's forbearance hereunder nor any Creditor's continued making of loans or
other extensions of credit at any time to Borrower in accordance with this
Agreement and the Credit Documents shall be deemed a waiver of or consent to the
Stipulated Defaults or any of other default or event of default. Borrower agrees
that the Stipulated Defaults and any other such defaults or events of default
shall not be deemed to have been waived, released or cured by virtue of such
loans or other extensions of credit at any time extended to Borrower, Creditors'
agreement to forbear pursuant to the terms of this Agreement or the execution of
this Agreement.

16.                 No Novation, etc. This Agreement is not intended to be, nor
                    ----------------
shall it be construed to create, a novation or accord and satisfaction and each
of the Credit Documents shall remain in full force and effect. Notwithstanding
any prior mutual temporary disregard of any of the terms of any of the Credit
Documents, each of the Creditors party hereto agree with Borrower that the terms
of each of the Credit Documents shall be strictly adhered to on and after the
date hereof, except as expressly modified by this Agreement.

17.                 Counterparts; Waivers of Notice of Acceptance. This
                    ---------------------------------------------
Agreement may be executed in any number of counterparts and by different parties
hereto in separate counterparts, each of which when so executed shall constitute
an original, but all of which taken together shall be one and the same
instrument. In proving this Agreement or any of the Credit Documents, it shall
not be necessary to produce or account for more than one such counterpart signed
by the party against whom enforcement is sought.
<PAGE>

18.                 Waiver of Jury Trial. To the fullest extent permitted by
                    --------------------
Applicable Law, the parties hereto each hereby waives the right to trial by jury
in any action, suit or proceeding arising out of or related to this Agreement or
any Credit Document.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed and delivered on the date first written above.

ATTEST:                                     TEXFI INDUSTRIES, INC.
                                            ("Borrower")

/s/ Andrew J. Parise, Jr.                   By: /s/ Robert P. Ambrosini
------------------------------------
 Name:  Andrew J. Parise, Jr.                  Name:  Robert P. Ambrosini
 Title: Chairman, CEO & COO                    Title: EVP & CFO

        [CORPORATE SEAL]

                                            THE CIT GROUP/COMMERCIAL
                                            SERVICES, INC., in its capacity as a
                                            Revolving Lender and as Factor

                                            By: /s/ Grover P. Reinle
                                               Name: Grover P. Reinle
                                               Title: SVP

                                            BANKBOSTON, N.A., in its capacity
                                            as a Revolving Lender and as Agent

                                            By: /s/ John W. Getz
                                               Name: John W. Getz
                                               Title: Authorized Officer

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