Document:

EX-10.2

 

EXHIBIT 10.2

EXECUTIVE BONUS LIFE AGREEMENT

          THIS Agreement made this    day of    , 2004, by and between
SONOCO PRODUCTS COMPANY, a corporation duly organized and existing under the
laws of the State of South Carolina (hereinafter referred to as “Sonoco”) and
«Name» (hereinafter referred to as “Employee”).

WITNESSETH:

          WHEREAS, the Employee is employed by Sonoco; and

          WHEREAS, Sonoco and Employee have previously entered into a so-called
split dollar agreement effective after December 31, 1995, (“Split Dollar
Agreement”) that included arrangements under an executive life insurance
policy with certain commitments that would provide some level of future
financial security to the Employee and his family; and

          WHEREAS, the Split Dollar Agreement and related life insurance policy,
due to various legislative and regulatory requirements subsequently enacted
and adopted, can no longer meet the commitments made by Sonoco to the
Employee; and

          WHEREAS, Sonoco desires to provide an effective alternative to the
Employee in lieu of the Split Dollar Agreement that will fulfill the
commitment previously made to Employee;

          NOW, THEREFORE, in consideration of the mutual covenants stated herein,
the sufficiency of which is hereby acknowledged, the parties agree as
follows:

     1. Pursuant to the terms of the Split Dollar Agreement, Sonoco will
terminate the Split Dollar Agreement between itself and the Employee (or the
third party to whom the Employee assigned his or her rights under the Split
Dollar Agreement) not later than 120 days following the effective date of
this Agreement.

 

 

     2. Upon termination of the Split Dollar Agreement, Employee (or the
third party) may surrender to Sonoco all of his or her (its) rights in the
policy.

     3. Employee (or the third party) may alternatively pay to Sonoco an
amount equal to the greater of the policy’s cash surrender value or Sonoco’s
Premium Advance (as that term is defined in the Split Dollar Agreement), in
which event the Employee (or third party) shall thereafter own all rights in
the policy and the rights of Sonoco under the Collateral Assignment (as that
term is defined in the Split Dollar Agreement) shall terminate. This amount
must be paid within sixty (60) days of the termination of the Split Dollar
Agreement, but not later than December 31, 2004.

     4. Sonoco shall, with Employee’s assistance, facilitate the purchase of
an executive life insurance Policy (the “Policy”) on the life of the
Employee; the death benefit under the Policy shall initially equal $«Amount».

     5. Employee shall be the owner of the Policy and, subject to paragraph 9
below, shall have all rights of ownership with respect to the Policy,
including but not limited to naming the beneficiary, transferring ownership
to another, etc., and may exercise those rights without consent of any other
party.

     6. Throughout the term of this Agreement, Sonoco will pay to the insurer
such amounts as required to keep the policy in force and may, from time to
time at its sole option, pay additional amounts to the carrier to accomplish
the objectives of the arrangement.

2

 

     7. If Employee’s employment with Sonoco ends before the Employee’s
attaining age 60, or before the Employee’s attaining age 55 with at least
fifteen (15) years of service with Sonoco, then this Agreement shall end and
Sonoco will have no further obligations with respect to the Policy.

     8. If Employee’s employment with Sonoco has not ended before the
Employee’s attaining age 60, or before the Employee’s attaining age 55 with
at least fifteen (15) years of service with Sonoco, then this Agreement will
terminate at the later of the Employee’s sixty-fifth birthday or [ten (10)/
twenty (20)] years from the effective date of this Agreement. At such time,
Sonoco shall (with the assistance of the insurance carrier that issued the
Policy) determine the amount of cash value (“Target Cash Value”) required in
the Policy to keep it in force to age 100 using the insurance carrier’s
current mortality and policy earnings assumptions, and Sonoco shall pay to
the Employee the excess, if any, of the Target Cash Value over the actual
policy cash value as of the termination of the Agreement.

     9. If, without Sonoco’s written consent, the Employee (or other owner of
the Policy) requests a loan against the Policy, the Agreement shall terminate
and Sonoco shall have no further obligations to the Employee.

     10. Sonoco will report the amounts paid under this Agreement as taxable
wages to the appropriate government agencies on a timely basis. To offset the
increase in income tax and other payroll taxes caused by Sonoco’s payment of
such amounts, Sonoco will also provide the Employee with a “tax gross-up,”
which will be reflected on Employee’s Form W2. The amount of the tax gross-up
will be determined solely by Sonoco.

3

 

     11. The Employee agrees that this Agreement shall constitute full
satisfaction of all of Sonoco’s obligations under the Split Dollar Agreement
upon the termination of the Split Dollar Agreement as provided herein.

     12. The insurer shall not be deemed to be a party to this Agreement.

     13. This Agreement shall be subject to and shall be construed under the
laws of the State of South Carolina.

     14. This Agreement shall not be modified or amended except by written
agreement signed by Sonoco and the Employee.

     15. Sonoco reserves the right to modify or terminate this Agreement at
any time after December 31, 2005 at its discretion.

IN WITNESS WHEREOF, the parties have executed this Agreement on the day,
month and year first written above.

     Sonoco Products Company

	 	 	 	 	 
	by:

	 	

Company Representative
	 	

Witness
	 
	 	 	 	 
	by:

	 	

«Name»
	 	

Witness

4exv10w2

 

EXHIBIT 10.2

[RODMAN & RENSHAW LLC LETTERHEAD]

September 30, 2004

Steven A. Kriegsman

President & Chief Executive Officer

CytRx Corporation

11726 San Vicente Blvd., Suite 650

Los Angeles, CA 90049

Dear Mr. Kriegsman:

     The purpose of this letter agreement (the “Agreement”) is to set forth the
terms and conditions pursuant to which Rodman & Renshaw, LLC (“R&R”) shall
advise CytRx Corporation (the “Company”) on certain merger and acquisition
opportunities and introduce the Company to one or more investors in connection
with the proposed private placement (the “Placement”) of securities (the
“Securities”) of the Company. The terms of such Placement and the Securities
shall be mutually agreed upon by the Company and the investor(s). R&R’s
engagement under this Agreement shall be exclusive until October 15, 2004, and
thereafter shall be non-exclusive. The identities of the investors to which R&R
introduces the Company shall be proprietary information of R&R and shall not be
divulged to third parties by the Company, nor used by the Company outside the
scope of R&R’s engagement as described herein.

     The parties hereto hereby agree that the Company shall pay to R&R the fees
and compensation set forth below if there is any financing of equity or debt
(including without limitation the Placement) or other capital raising activity
of the Company (a “Financing”) within 24 months of the date of this Agreement
with any investors to whom the Company was introduced by R&R pursuant to this
Agreement.

     In consideration of the services rendered by R&R under this Agreement, the
Company agrees to pay R&R the following fees and other compensation:

	 	(a)	 	A cash fee payable immediately upon the closing of any portion
of any Financing (including without limitation the Placement) and
equal to 7% of the aggregate proceeds raised.
	 
	 	(b)	 	7% warrant coverage.
	 
	 	(c)	 	$30,000 expense allowance payable at closing.
	 
	 	(d)	 	$240,000 for advisory services payable at the closing of any
Financing

     This Agreement shall be governed by and construed in accordance with the
laws of the State of New York, without regard to conflicts of law principles.
Any dispute arising out of this Agreement shall be adjudicated in the courts of
the State of New York or in the federal courts sitting in the Southern District
of New York, and each of the parties hereto agrees that service of process upon
it by registered or certified mail at its address set forth herein shall be
deemed adequate and lawful. The Company shall indemnify R&R against any
liabilities arising under the Securities Act of 1933, as amended, attributable
to any information supplied or omitted to be supplied to any investor by the
Company pursuant to this Agreement.

     This Agreement constitutes the entire understanding and agreement between
the parties hereto with respect to its subject matter and there are no
agreements or understandings with respect to the subject matter hereof which
are not contained in this Agreement. This Agreement may be modified only in
writing signed by the party to be charged hereunder.

     If the foregoing correctly sets forth our agreement, please confirm this
by signing and returning to us the duplicate copy of this letter.

	 	 	 	 	 	 	 
	 	 	Very truly yours,
	

	 	 	 	 	 	 
	 	 	RODMAN & RENSHAW, LLC
	

	 	 	 	 	 	 
	Agreed to and accepted

	 	By:
	 	/s/ THOMAS G. PINOU	 	 
	as of the date first written above:

	 	 	 	
	 	 
	

	 	 	 	Name: Thomas G. Pinou	 	 
	

	 	 	 	Title: Chief Financial Officer	 	 

CYTRX CORPORATION

	 	 	 
	By:

	 	/s/ STEVEN A. KRIEGSMAN
	

	 	

	

	 	Name: Steven A. Kriegsman
	

	 	Title: President and Chief Executive Officer

330 Madison Avenue, 27th Floor

New York, NY 10017<PAGE>
                                                                    EXHIBIT 10.1

                                SECOND AMENDMENT
                               TO CREDIT AGREEMENT

         THIS SECOND AMENDMENT TO CREDIT AGREEMENT (the "Amendment"), dated as
of October 29, 2004, is made by and among Too, Inc., a Delaware corporation (the
"Borrower"), each of the Guarantors (as defined in the Credit Agreement defined
below), the Lenders (as defined in the Credit Agreement defined below), National
City Bank, in its capacity as sole lead arranger and administrative agent for
the Lenders under the Credit Agreement (the "Agent"), Fifth Third Bank, as
co-syndication agent, LaSalle Bank National Association, as co-syndication
agent, Bank of America, N.A., as co-documentation agent, and The Huntington
National Bank, as co-documentation agent.

                                   BACKGROUND

         The parties hereto are parties to that Credit Agreement, dated as of
April 29, 2003 (as amended through the date hereof (including as amended by that
First Amendment to Credit Agreement, dated as of September 16, 2003, among the
parties hereto (the "First Amendment") the "Credit Agreement"), and desire to
amend various terms thereof as set forth herein.

                              OPERATIVE PROVISIONS

         NOW, THEREFORE, in consideration of the foregoing and the mutual
covenants and agreements hereinafter set forth and incorporating the
above-defined terms herein and intending to be legally bound hereby, the parties
hereto hereby agree as follows:

1.       Defined Terms; References. Terms not otherwise defined in this
Amendment shall have the respective meanings ascribed to them in the Credit
Agreement. Each reference to "hereof," "hereunder," "herein," and similar
references contained in the Credit Agreement, and each reference to "this
Agreement" and similar references contained in the Credit Agreement, shall refer
to the Credit Agreement as and to the extent amended hereby.

2.       Amendment of Credit Agreement.

         (a)      Minimum Coverage Ratio. Effective as of the date hereof,
Section 7.02(n) of the Credit Agreement is hereby amended and restated in its
entirety as follows:

                  "(n) Minimum Coverage Ratio. The Loan Parties shall not permit
                  the Coverage Ratio to be less than 1.75 to 1.0.

         (b)      Dividends and Restricted Payments. Effective as of the date
hereof, Section 7.02(i) of the Credit Agreement is hereby amended and restated
in its entirety as follows:

                           (i)    Dividends and Restricted Payments. Each of the
                  Loan Parties shall not, and shall not permit any of its
                  Subsidiaries to, make or pay, or agree to become or remain
                  liable to make or pay, any dividend or other distribution of
                  any nature (whether in cash, property, securities or
                  otherwise) on account of or in respect of its shares of
                  capital stock, partnership interests or limited liability
                  company interests or on account of the purchase, redemption,
                  retirement or acquisition of its shares of capital stock (or
                  warrants,

<PAGE>

                  options or rights therefor), partnership interests or limited
                  liability company interests, except

                           (i)    dividends or other distributions payable to
                     another Loan Party,

                           (ii)   dividends on or redemptions or repurchases of
                     its shares of capital stock (or warrants, options or rights
                     therefor), partnership interests or limited liability
                     company interests the aggregate amount of which does not
                     exceed in any fiscal year of Borrower fifty percent (50%)
                     of the reported fiscal year consolidated net earnings of
                     Borrower and its Subsidiaries for such fiscal year;
                     provided, however, that the Loan Parties shall be permitted
                     to make dividends on and redemptions or repurchases of its
                     shares of capital stock (or warrants, options or rights
                     therefor), partnership interests or limited liability
                     company interests in an unlimited amount if for at least
                     ninety (90) days prior to each such dividend, redemption,
                     and repurchase, and after giving effect thereto, (A)
                     Borrower shall have at least $75,000,000 of unencumbered
                     cash showing on its consolidated balance sheet, and (B) no
                     Revolving Facility Usage (other than by way of Letters of
                     Credit utilized in the ordinary course of the business of
                     the Loan Parties) shall have occurred.

         (c)      Amendment to Section 7.01(k). The following is hereby added to
the end of Section 7.01(k) and made a part thereof:

         As an alternative to the foregoing and upon the occurrence of any Event
         of Default, Borrower may grant a security interest in and pledge to
         Agent for the benefit of the Lenders and Agent a deposit account
         (including a deposit account with an overnight sweep into a securities
         account) having a value at all times no less than an amount, measured
         on a daily basis, equal to 1.10 times the amount of the then
         outstanding Revolving Facility Usage (the "Pledged Account"), provided
         that at any time the value of the Pledged Account exceeds 1.10 times
         the amount of the then outstanding Revolving Facility Usage and upon
         the written request of Borrower, such excess will be returned to
         Borrower; and, at any time that Borrower desires to increase the
         Revolving Facility Usage (subject, however, to the terms hereof),
         Borrower shall deposit or shall cause to be deposited in the Pledged
         Account an amount equal to 1.10 times the amount of such increase. At
         any time, during the continuation of an Event of Default, that the
         Pledged Account is not in compliance with the foregoing, the Security
         Documents referred in the first sentence of this Section 7.01(k) shall
         immediately become irrevocably effective in accordance with the terms
         of such sentence.

                                       2
<PAGE>

3.       Pledged Deposit Collateral.

                  (a)      Reference is made to that Deposit Account and
                           Securities Account Security Agreement, dated as of
                           September 16, 2003, given by Too Brands, Inc., an
                           Ohio corporation (the "Pledgor"), in favor of Agent
                           for the Lenders (the "Deposit Pledge").

                  (b)      Agent on behalf of the Lenders and itself hereby
                           releases the Collateral (as such term is defined in
                           the Deposit Pledge).

                  (c)      The parties hereto agree that the Deposit Pledge is
                           hereby terminated.

                  (d)      Agent shall promptly, upon the request and at the
                           expense of Borrower, do all such other things as
                           Borrower shall reasonably request to evidence the
                           release of the Collateral.

4.       Representations and Warranties. Each of the Loan Parties hereby
represents and warrants to the Lenders, after giving effect to this Amendment,
as follows:

         (a)      Authorization. The execution and delivery by the Loan Parties
of this Amendment, the consummation by the Loan Parties of the transactions
contemplated by the Credit Agreement as amended hereby, and the performance by
each Loan Party of its respective obligations under the Credit Agreement as
amended hereby have been duly authorized by all necessary corporate or similar
applicable proceedings on the part of each Loan Party. On the date of each Loan
Party's execution hereof, there are no set-offs, claims, defenses,
counterclaims, causes of action, or deductions of any nature against any of the
Obligations;

         (b)      Valid and Binding. This Amendment have been duly and validly
executed and delivered by each Loan Party and constitute, and the Credit
Agreement as amended hereby constitutes, the legal, valid and binding
obligations of each Loan Party enforceable in accordance with the terms hereof
and thereof, except as the enforceability of this Amendment or the Credit
Agreement as amended hereby may be limited by bankruptcy, insolvency or other
similar laws of general application affecting the enforcement of creditors'
rights or by general principles of equity limiting the availability of equitable
remedies;

         (c)      No Conflicts. Neither the execution and delivery of this
Amendment nor the consummation of the transactions contemplated by this
Amendment or by the Credit Agreement as amended hereby nor compliance with the
terms and provisions of this Amendment or of the Credit Agreement as amended
hereby, by any of the Loan Parties, will (a) violate any Law, (b) conflict with
or result in a breach of or a default under the articles or certificate of
incorporation or bylaws or similar organizational documents of any Loan Party or
any material agreement or instrument to which any Loan Party is a party or by
which any Loan Party or any of their respective properties (now owned or
hereafter acquired) may be subject or bound, (c) require any consent or approval
of any Person or require a mandatory prepayment or any other payment under the
terms of any material agreement or instrument to which any Loan Party is a party
or by which any Loan Party or any of their respective properties (now owned or
hereafter acquired) may be subject or bound, (d) result in the creation or
imposition of any Lien upon any property (now owned or hereafter acquired) of
any Loan Party, or (e) require any authorization,

                                       3
<PAGE>

consent, approval, license, permit, exemption or other action by, or any
registration, qualification, designation, declaration or filing with, any
Official Body; and

         (d)      No Defaults. After giving effect to the amendments made
herein: (i) no Event of Default under and as defined in the Credit Agreement has
occurred and is continuing, and (ii) the representations and warranties of each
of Borrower and the other Loan Parties contained in the Credit Agreement and the
other Loan Documents are true and correct on and as of the date hereof with the
same force and effect as though made on such date, except to the extent that any
such representation or warranty expressly relates solely to a previous date.

5.       Effectiveness of Amendment.

         (a)      This Amendment shall become effective as of the date hereof
(except as to any provision of this Amendment which is stated to have an earlier
effective date in which case, upon the effectiveness of this Amendment, such
provision shall be deemed effective as of the date of its stated effectiveness)
upon receipt by the Agent:

                  (i)      From the Loan Parties, of an opinion of counsel to
                           the Loan Parties, in form and substance satisfactory
                           to Agent, addressing, inter alia, the (i) existence,
                           capacity, and due authorization of the Loan Parties
                           to enter into this Amendment.

                  (ii)     From the Loan Parties, of a certificate signed by the
                           Secretary or Assistant Secretary of each Loan Party
                           (or by a similar official of those Loan Parties which
                           are limited liability companies) certifying as to (i)
                           the articles, bylaws, relevant resolutions (or
                           similar documents of those Loan Parties which are
                           limited liability companies), and due authorization
                           to enter into this Amendment, and (ii) the incumbency
                           of the officer or similar official of such Loan
                           Party, and her or his specimen signature, executing
                           this Amendment on its behalf.

                  (iii)    From each of the Loan Parties and each of the
                           Lenders, of a counterpart hereof signed by such party
                           or facsimile or other written confirmation (in form
                           satisfactory to Agent) that such party has signed a
                           counterpart hereof.

         (b)      Upon the effectiveness hereof, the Credit Agreement shall be
amended hereby in accordance with the terms hereof, and this Amendment and the
Credit Agreement shall hereafter be one agreement and any reference to the
Credit Agreement in any document, instrument, or agreement shall hereafter mean
and include the Credit Agreement as amended hereby. In the event of
irreconcilable inconsistency between the terms or provisions hereof and the
terms or provisions of the Credit Agreement, the terms and provisions hereof
shall control. Except as specifically amended by the provisions hereof, the
Credit Agreement and all other Loan Documents shall remain in full force and
effect and are hereby ratified and confirmed by the parties hereto. Each Lender,
by its execution hereof, hereby consents to this Amendment pursuant to the
Credit Agreement.

6.       Joinder of Guarantors. Each of the Guarantors hereby joins in this
Amendment to evidence its consent hereto and to the release of the Deposit
Pledge, and each Guarantor hereby reaffirms its obligations set forth in the
Credit Agreement, as hereby amended, and in each Guaranty Agreement and each
other Loan Document given by it in connection therewith.

                                       4
<PAGE>

7.       Governing Law. This Amendment shall be deemed to be a contract under
the laws of the State of Ohio and for all purposes shall be governed by and
construed and enforced in accordance with the internal laws of the State of Ohio
without regard to its conflict of laws principles.

8.       Counterparts; Telecopy. This Amendment may be signed in any number of
counterparts each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument. Delivery of executed
signature pages by facsimile or other electronic transmission will constitute
effective and binding execution and delivery.

                            [SIGNATURE PAGES FOLLOW]

                                       5
<PAGE>
                   [SIGNATURE PAGE 1 OF 8 TO SECOND AMENDMENT]

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

                               BORROWER:

                                       TOO, INC.

                                       By:      /s/ Michael W. Rayden
                                          --------------------------------------
                                          Name:  Michael W. Rayden
                                          Title: Chairman, President and CEO

                               GUARANTORS:

                                       AMERICAN FACTORING, INC.

                                       By:      /s/ William E. May
                                           -------------------------------------
                                       Name:  William E. May
                                       Title: President

                                       FLORET, LLC

                                       By:      /s/ Vanessa McCullen
                                           -------------------------------------
                                       Name:  Vanessa McCullen
                                       Title: President

                                       JUSTICE STORES, LLC

                                       By:      /s/ Michael W. Rayden
                                          --------------------------------------
                                       Name:  Michael W. Rayden
                                       Title: Chief Executive Officer

                                       LT HOLDING, INC.

                                       By:      /s/ Ronald Robinson
                                          --------------------------------------
                                       Name:  Ronald Robinson
                                       Title: President and CEO

<PAGE>

                   [SIGNATURE PAGE 2 OF 8 TO SECOND AMENDMENT]

                                       LT IMPORT CORP.

                                       By:      /s/ Willie Henderson
                                          --------------------------------------
                                       Name:  Willie Henderson
                                       Title: President and CEO

                                       LIMITED TOO CATALOG PRODUCTION, INC.

                                       By:      /s/ Edward A. Woods
                                          --------------------------------------
                                       Name:  Edward A. Woods
                                       Title: President and Chief Executive
                                              Officer

                                       LIMITED TOO CREATIVE DESIGN, INC.

                                       By:      /s/ Scott M. Bracale
                                          --------------------------------------
                                       Name:  Scott M. Bracale
                                       Title: President and CEO

                                       LIMITED TOO DIRECT, LLC

                                       By:      /s/ Scott M. Bracale
                                          --------------------------------------
                                       Name:  Scott M. Bracale
                                       Title: President and CEO

                                       LIMITED TOO PURCHASING, INC.

                                       By:      /s/ Douglas J. Probst
                                          --------------------------------------
                                       Name:  Douglas J. Probst
                                       Title: President and CEO

                                       LIMITED TOO STORE PLANNING, INC.

                                       By:      /s/ Douglas H. Tilson
                                          --------------------------------------
                                       Name:  Douglas H. Tilson
                                       Title: President and CEO

                                      -2-

<PAGE>

                   [SIGNATURE PAGE 3 OF 8 TO SECOND AMENDMENT]

                                       MISH MASH, LLC

                                       By:      /s/ Michael W. Rayden
                                          --------------------------------------
                                       Name:  Michael W. Rayden
                                       Title: President and CEO

                                       TOO GC, LLC

                                       By:      /s/ William E. May
                                          --------------------------------------
                                       Name:  William E. May
                                       Title: President, Treasurer and Secretary

                                       TOO BRANDS, INC.

                                       By:      /s/ Michael W. Rayden
                                          --------------------------------------
                                       Name:  Michael W. Rayden
                                       Title: President and CEO

                                       TOO BRANDS INVESTMENT, LLC

                                       By:      /s/ William E. May
                                          --------------------------------------
                                       Name:  William E. May
                                       Title: President, CEO and Treasurer

                                       TOO IMPORT, LLP

                                       By:      /s/ Willie Henderson
                                          --------------------------------------
                                       Name:  Willie Henderson
                                       Title:  President and CEO of LT Import
                                       Corp., Managing Partner

                                      -3-
<PAGE>
                   [SIGNATURE PAGE 4 OF 8 TO SECOND AMENDMENT]

                                       NATIONAL CITY BANK, individually and as
                                       Agent

                                       By:      /s/ Joseph L. Kwasny
                                          --------------------------------------
                                       Name:  Joseph L. Kwasny
                                       Title: Senior Vice President

<PAGE>
                   [SIGNATURE PAGE 5 OF 8 TO SECOND AMENDMENT]

                                       FIFTH THIRD BANK

                                       By:      /s/ Christopher D. Jones
                                          --------------------------------------
                                       Name:  Christopher D. Jones
                                       Title: Vice President

<PAGE>

                   [SIGNATURE PAGE 6 OF 8 TO SECOND AMENDMENT]

                                       LASALLE BANK NATIONAL ASSOCIATION

                                       By:      /s/ Warren F. Weber
                                          --------------------------------------
                                       Name:  Warren F. Weber
                                       Title: Senior Vice President

<PAGE>
                   [SIGNATURE PAGE 7 OF 8 TO SECOND AMENDMENT]

                                       BANK OF AMERICA, N.A.

                                       By:      /s/ Ross Evans
                                          --------------------------------------
                                          Name:  Ross Evans
                                          Title: Vice President

<PAGE>
                   [SIGNATURE PAGE 8 OF 8 TO SECOND AMENDMENT]

                                       THE HUNTINGTON NATIONAL BANK

                                       By:      /s/ John M. Luehmann
                                          --------------------------------------
                                       Name:  John M. Luehmann
                                       Title: Vice President

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