Document:

Exhibit
10.1

FIRST
AMENDMENT

TO

AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT

THIS FIRST AMENDMENT
to Amended and Restated Loan and Security Agreement (this  “Amendment”) is entered into this 27th day of September 2007, by and between Silicon
Valley Bank (“Bank”) and Optio Software, Inc., a Georgia corporation (“Borrower”)
whose address is 3015 Windward Plaza, Windward Fairways II, Alpharetta, Georgia
30005.

RECITALS

A.            Bank
and Borrower have entered into that certain Amended and Restated Loan and
Security Agreement dated as of April 20,
2007 (as the same may from time to time be amended, modified,
supplemented or restated, the “Loan Agreement”).

B.            Bank
has extended credit to Borrower for the purposes permitted in the Loan
Agreement.

C.            Borrower
has requested that Bank amend the Loan Agreement to (i) revise certain
financial covenants and (ii) make certain other revisions to the Loan
Agreement as more fully set forth herein.

D.            Bank
has agreed to so amend certain provisions of the Loan Agreement, but only to
the extent, in accordance with the terms, subject to the conditions and in
reliance upon the representations and warranties set forth below.

AGREEMENT

NOW, THEREFORE, in
consideration of the foregoing recitals and other good and valuable
consideration, the receipt and adequacy of which is hereby acknowledged, and
intending to be legally bound, the parties hereto agree as follows:

1.             Definitions.  Capitalized terms used but not defined in
this Amendment shall have the meanings given to them in the Loan Agreement.

2.             Amendments
to Loan Agreement.

2.1          Section
6.7(ii) on the Loan Agreement, entitled “EBITDA” shall be deleted in its
entirety and replaced with the following:

(ii)           EBITDA.
EBITDA, as of the last day of each month, of no less than:

	
  As of the last day of

  	
   

  	
  Minimum EBITDA

  	
   

  
	
  March - April
  2007

  	
   

  	
  $

  	
  (2,000,000

  	
  )

  
	
  May 2007

  	
   

  	
  $

  	
  (1,500,000

  	
  )

  
	
  June 2007, and
  thereafter

  	
   

  	
  $

  	
  (1,000,000

  	
  )

  

 

 

 1
 

2.2          Borrower’s
Compliance Certificate is hereby amended as set forth in Exhibit A hereto.

3.             Limitation
of Amendments.

3.1          The
amendments set forth in Section 2,
above, are effective for the purposes set forth herein and shall be limited
precisely as written and shall not be deemed to (a) be a consent to any
amendment, waiver or modification of any other term or condition of any Loan
Document, or (b) otherwise prejudice any right or remedy which Bank may
now have or may have in the future under or in connection with any Loan
Document.

3.2          This
Amendment shall be construed in connection with and as part of the Loan
Documents and all terms, conditions, representations, warranties, covenants and
agreements set forth in the Loan Documents, except as herein amended, are
hereby ratified and confirmed and shall remain in full force and effect.

4.             Representations
and Warranties.  To
induce Bank to enter into this Amendment, Borrower hereby represents and
warrants to Bank as follows:

4.1          Immediately
after giving effect to this Amendment (a) the representations and
warranties contained in the Loan Documents are true, accurate and complete in
all material respects as of the date hereof (except to the extent such
representations and warranties relate to an earlier date, in which case they
are true and correct as of such date), and (b) no Event of Default has occurred
and is continuing;

4.2          Borrower
has the power and authority to execute and deliver this Amendment and to
perform its obligations under the Loan Agreement, as amended by this Amendment;

4.3          The
organizational documents of Borrower delivered to Bank on the Closing Date
remain true, accurate and complete and have not been amended, supplemented or
restated and are and continue to be in full force and effect;

4.4          The
execution and delivery by Borrower of this Amendment and the performance by
Borrower of its obligations under the Loan Agreement, as amended by this
Amendment, have been duly authorized;

4.5          The
execution and delivery by Borrower of this Amendment and the performance by
Borrower of its obligations under the Loan Agreement, as amended by this
Amendment, do not and will not contravene (a) any law or regulation
binding on or affecting Borrower, (b) any contractual restriction with a
Person binding on Borrower, (c) any order, judgment or decree of any court
or other governmental or public body or authority, or subdivision thereof,
binding on Borrower, or (d) the organizational documents of Borrower;

4.6          The
execution and delivery by Borrower of this Amendment and the performance by
Borrower of its obligations under the Loan Agreement, as amended by this Amendment,
do not require any order, consent, approval, license, authorization or
validation of, or filing, recording or registration with, or exemption by any
governmental or public body or authority, or subdivision thereof, binding on
either Borrower, except as already has been obtained or made; and

4.7          This
Amendment has been duly executed and delivered by Borrower and is the binding
obligation of Borrower, enforceable against Borrower in accordance with its
terms, except as such enforceability may be limited by bankruptcy, insolvency,
reorganization, 

 2
 

liquidation, moratorium
or other similar laws of general application and equitable principles relating
to or affecting creditors’ rights.

5.             Counterparts.  This Amendment may be executed in any number
of counterparts and all of such counterparts taken together shall be deemed to
constitute one and the same instrument.

6.             Effectiveness.  This Amendment shall be deemed effective upon
(a) the due execution and delivery to Bank of this Amendment by each party hereto
and (b) Borrower’s payment of an amendment fee in an amount equal to
$2,500.00 and all of Bank’s legal costs and expenses in connection herewith.

[Signature page
follows.]

 

 3
 

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

 

	
  BANK

  	
   

  	
   

  	
  BORROWER

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  SILICON VALLEY BANK

  	
   

  	
  OPTIO SOFTWARE, INC.

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
  /s/ Thomas Armstrong

  	
   

  	
  By:

  	
  /s/ Caroline Bembry

  	
   

  	
   

  
	
  Name:

  	
  Thomas Armstrong

  	
   

  	
  Name:

  	
  Caroline Bembry

  	
   

  	
   

  
	
  Title:

  	
  Vice President

  	
   

  	
  Title:

  	
  Chief Financial Officer

  	
   

  	
   

  

 

 

 

 4

EXHIBIT A

COMPLIANCE CERTIFICATE

TO:                         SILICON VALLEY BANK

FROM:                   OPTIO SOFTWARE, INC.

The undersigned
authorized officer of Optio Software, Inc. (“Borrower”) certifies that under
the terms and conditions of the Loan and Security Agreement between Borrower and
Bank (the “Agreement”), (i) Borrower is in complete compliance for the
period ending                        
with all required covenants except as noted below and (ii) all
representations and warranties in the Agreement, to the knowledge of Borrower,
are true and correct in all material respects on this date.  Attached are the required documents
supporting the certification.  The
Officer certifies that these are prepared in accordance with Generally Accepted
Accounting Principles (GAAP) consistently applied from one period to the next
except as explained in an accompanying letter or footnotes.  The Officer acknowledges that no borrowings
may be requested at any time or date of determination that Borrower is not in compliance
with any of the terms of the Agreement, and that compliance is determined not
just at the date this certificate is delivered.

Please
indicate compliance status by circling Yes/No under “Complies” column.

	
  Reporting
  Covenant

  	
   

  	
  Required

  	
   

  	
  Complies

  
	
  Monthly
  financial statements + CC

  	
   

  	
  Monthly within 30 days

  	
   

  	
  Yes

  	
   

  	
  No

  
	
  10-Q + CC

  	
   

  	
  FQE within 45 days (except FYE)

  	
   

  	
  Yes

  	
   

  	
  No

  
	
  Annual Audited
  Fins. + 10-K + CC

  	
   

  	
  FYE within 90 days

  	
   

  	
  Yes

  	
   

  	
  No

  
	
  A/R Agings

  	
   

  	
  Monthly within 30 days

  	
   

  	
  Yes

  	
   

  	
  No

  
	
  A/R Audit

  	
   

  	
  Annual

  	
   

  	
  Yes

  	
   

  	
  No

  
	
  Borrowing Base
  Certificate

  	
   

  	
  Monthly within 30 days

  	
   

  	
  Yes

  	
   

  	
  No

  

 

	
  Financial
  Covenant

  	
   

  	
  Required

  	
   

  	
  Actual

  	
   

  	
  Complies

  
	
  Maintain:

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Monthly Minimum Quick Ratio

  	
   

  	
  2.0:1.0

  	
   

  	
            :1.00

  	
   

  	
  Yes

  	
   

  	
  No

  
	
  Monthly Minimum EBITDA:

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  March - April 2007

  	
   

  	
  $(2,000,000)

  	
   

  	
  $                

  	
   

  	
  Yes

  	
   

  	
  No

  
	
  May 2007

  	
   

  	
  $(1,500,000)

  	
   

  	
  $                

  	
   

  	
  Yes

  	
   

  	
  No

  
	
  June 2007 and thereafter

  	
   

  	
  $(1,000,000)

  	
   

  	
  $                

  	
   

  	
  Yes

  	
   

  	
  No

  

 

Have there been updates to Borrower’s intellectual
property, if appropriate?          Yes /
No

 

	
  Comments Regarding Exceptions: See Attached.

  	
   

  	
  BANK
  USE ONLY

  
	
  Sincerely,

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Optio Software,
  Inc.

  	
   

  	
  Received by:

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  authorized signer

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  SIGNATURE

  	
   

  	
  Date:

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Verified:

  	
   

  	
   

  
	
  TITLE

  	
   

  	
   

  	
   

  	
  authorized signer

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  DATE

  	
   

  	
  Date:

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Compliance Status:

  	
   

  	
  Yes

  	
   

  	
  NoExhibit 10.1

 

EXECUTION
VERSION

FIRST AMENDMENT

(Credit Agreement)

FIRST AMENDMENT, dated as of October 1, 2007 (this “Amendment”),
to the SECOND AMENDED AND RESTATED CREDIT AGREEMENT, dated as of August 30,
2006 (as amended, supplemented or otherwise modified from time to time, the “Credit
Agreement”), among ARCH CAPITAL GROUP LTD., ARCH CAPITAL GROUP (U.S.) INC.,
various DESIGNATED SUBSIDIARY BORROWERS party thereto, the LENDERS party
thereto, JPMORGAN CHASE BANK, N.A., as Administrative Agent, THE BANK OF NEW
YORK, as Collateral Agent, BANK OF AMERICA, N.A. as Syndication Agent, and
BARCLAYS BANK PLC, THE BANK OF NEW YORK, WACHOVIA BANK, N.A., CAYLON, NEW YORK
BRANCH, CITIBANK, N.A., ING BANK N.V., LONDON BRANCH, and LLOYDS TSB BANK PLC,
as Documentation Agents.

W I T N E S S E T H
:

WHEREAS, the Parent
Borrower, the Designated Subsidiary Borrowers, the Administrative Agent, the
Syndication Agent, the Collateral Agent and the Lenders are parties to the
Credit Agreement;

WHEREAS, the Parent Borrower and the Designated
Subsidiary Borrowers have requested, and upon this Amendment becoming
effective, the Required Lenders have agreed, to amend certain provisions of the
Credit Agreement upon the terms and conditions set forth herein.

NOW, THEREFORE, the parties hereto agree as follows:

SECTION 1.           DEFINITIONS

1.1.          Defined Terms.   Unless otherwise defined
herein, terms defined in the Credit Agreement and used herein shall have the
meanings given such terms in the Credit Agreement.

1.2.          Amendment of Section 1.01 Definitions.   Section
1.01 is hereby amended by replacing the definitions of “Indebtedness” with the
following definitions and by inserting as appropriate in alphabetical order the
definition of “Preferred Securities” which shall mean:

“Indebtedness” of any Person means, without
duplication, (a) all obligations of such Person for borrowed money or with
respect to deposits or advances of any kind, (b) all obligations of such Person
evidenced by bonds, debentures, notes or similar instruments, (c) all
obligations of such Person under conditional sale or other title retention agreements
relating to property acquired by such Person, (d) all obligations of such
Person in respect of the deferred purchase price of property or services, (e)
all Indebtedness of others secured by (or for which the holder of such
Indebtedness has an existing right, contingent or otherwise, to be secured by)
any Lien on property owned or acquired by such Person, whether or not the
Indebtedness secured thereby has been assumed, provided that the amount
of Indebtedness of such Person shall be the lesser of (A) the fair market value
of such property at such date of determination (determined in good faith by the
Parent Borrower) and (B) the amount of such Indebtedness of such other

 

 

person, (f) all Guarantees by such Person of
Indebtedness of others, (g) all Capital Lease Obligations of such Person, (h)
all obligations of such Person under Interest Rate Protection Agreements,
Hedging Agreements and Credit Protection Agreements and (i) all reimbursement
obligations of such Person in respect of letters of credit, letters of
guaranty, bankers’ acceptances and similar credit transactions.  The Indebtedness of any Person shall include
the Indebtedness of any other entity (including any partnership in which such
Person is a general partner) to the extent such Person is liable therefor as a
result of such Person’s ownership interest in or other relationship with such
entity, except to the extent the terms of such Indebtedness provide that such
Person is not liable therefor.  For the
avoidance of doubt, Indebtedness shall not include (u) trade payables
(including payables under insurance contracts and reinsurance payables) and
accrued expenses in each case arising in the ordinary course of business, (v)
obligations of Regulation Insurance Companies with respect to Policies, (w)
obligations arising under deferred compensation plans of the Parent Borrower
and its Subsidiaries in effect on the date hereof or which have been approved
by the board of directors of the Parent Borrower, (x) obligations with respect
to products underwritten by Regulated Insurance Companies in the ordinary
course of business, including insurance policies, annuities, performance and
surety bonds and any related contingent obligations (y) reinsurance agreements
entered into by any Regulated Insurance Company in the ordinary course of
business and (z) Preferred Securities.

“Preferred Securities” shall mean, at any time, any
preferred Equity Interests (or capital stock) of such Person that has
preferential rights with respect to dividends or redemptions or upon
liquidation or dissolution of such Person over shares of common Equity
Interests (or capital stock) of any other class of such Person.

SECTION 2.           AMENDMENTS TO
CREDIT AGREEMENT

2.1.          Amendment of Section 7.07 Restricted Payments.  Section 7.07 is hereby amended and restated
to read in its entirety as follows:

“The Parent Borrower will not declare or pay any
dividends, purchase, redeem, retire, defease or otherwise acquire for value any
of its Equity Interests now or hereafter outstanding, return any capital to its
stockholders, partners or members (or equivalent Persons thereof) as such, make
any distribution of assets, Equity Interests, obligations or securities to its
stockholders, partners or members (or the equivalent Persons thereof) as such,
or permit any of its subsidiaries to purchase, redeem, retire, defease or
otherwise acquire for value any Equity Interests in Parent Borrower or to sell
any Equity Interest therein (each of the foregoing a “Dividend” and,
collectively, “Dividends”) unless no Default or Event of Default shall
have occurred and be continuing at the time of such Dividend or would result
therefrom, except that the Parent Borrower and its Subsidiaries may declare and
pay cash Dividends with respect to any Preferred Security issued by the Company
or any of its Subsidiaries, if, at the time of and after giving effect to such
dividend, no Default under Sections 8.01, 8.04(a)(i), 8.04(b) or 8.05 shall
have occurred and be continuing.”

SECTION 3.           MISCELLANEOUS

3.1.          Effectiveness. 
This Amendment shall become effective as of the date (the “First
Amendment Effective Date”) of receipt by the Administrative Agent of
counterparts

 

 2
 

 

hereof duly executed by the Parent Borrower,
the Designated Subsidiary Borrowers and Lenders constituting the Required
Lenders.

3.2.          Representations and Warranties.  To induce the Lenders parties hereto to enter
into this First Amendment, the Parent Borrower hereby represents and warrants
to the Administrative Agent and all of the Lenders as of the First Amendment
Effective Date that the representations and warranties made by the Parent
Borrower in the Loan Documents are true and correct in all material respects on
and as of the First Amendment Effective Date, before and after giving effect to
the effectiveness of this First Amendment, as if made on and as of the First
Amendment Effective Date, provided that, any representation or warranty made as
of a specified earlier date need only be true and correct in all material
respects as of such specified earlier date.

3.3.          No Other Amendments Confirmation.  Except as expressly amended, modified and
supplemented hereby, the Credit Agreement is, and shall remain, in full force
and effect in accordance with its terms.

3.4.          Payment of Expenses. 
The Parent Borrower agrees to reimburse the Lender for all reasonable
fees, costs and expenses, including the reasonable fees, costs and expenses of
counsel or other advisors for advice, assistance or other representation in
connection with this Amendment.

3.5.          Counterparts. 
This Amendment may be executed by one or more of the parties hereto on
any number of separate counterparts, and all of said counterparts taken
together shall be deemed to constitute one and the same instrument.  A set of the copies of this Amendment signed
by all the parties shall be lodged with the Parent Borrower and the
Administrative Agent.  This Amendment may
be delivered by facsimile transmission of the relevant signature pages hereof.

3.6.          GOVERNING LAW. 
THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES HEREUNDER
SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE
LAWS OF THE STATE OF NEW YORK.

[Signature
page to follow]

 

 3

 

IN WITNESS WHEREOF,
the parties hereto have caused this Amendment to be executed by their
respective officers thereunto duly authorized as of the day and year first
above written.

 

	
  Address:

  	
   

  
	
  Wessex House, 4th floor

  	
  ARCH CAPITAL GROUP LTD.

  
	
  45 Reid Street

  	
   

  
	
  Hamilton, HM 12 Bermuda

  	
   

  
	
  Attention: John D. Vollaro

  	
  By:

  	
  /s/ John D. Vollaro

  	
   

  
	
  Telephone: (441) 278-9253

  	
   

  	
  Title: Executive Vice President & Chief
  Financial Officer

  
	
  Facsimile: (441) 278-9255

  	
   

  
	
   

  	
   

  
	
  One Liberty Plaza

  	
  ARCH CAPITAL GROUP (U.S.) INC.

  
	
  New York, NY 10006

  	
   

  
	
  Attn: Fred Eichler

  	
   

  
	
  Telephone: (646) 746-8235

  	
  By:

  	
  /s/ Fred S. Eichler

  	
   

  
	
  Facsimile: (646) 563-5727

  	
   

  	
  Title: SVP & Chief Financial Officer

  
	
   

  	
   

  
	
  Wessex House

  	
  ARCH REINSURANCE LTD.

  
	
  45 Reid Street, 3rd Floor

  	
   

  
	
  Hamilton, HM 12 Bermuda

  	
   

  
	
  Attn: Michelle Seymour

  	
  By:

  	
  /s/ Michelle Seymour Smith

  	
   

  
	
  Telephone: (441) 278-9250

  	
   

  	
  Title: Vice President/Controller

  
	
  Facsimile: (441) 278-9230

  	
   

  
	
   

  	
   

  
	
  360 Mount Kemble Avenue 

  	
  ARCH REINSURANCE COMPANY

  
	
  P.O. Box 1988

  	
   

  
	
  Morristown, NJ 07962

  	
   

  
	
  Attn: Barry Golub

  	
  By:

  	
  /s/ Barry Golub

  	
   

  
	
  Telephone: (973) 889-6467

  	
   

  	
  Title: Treasurer and Controller

  
	
  Facsimile: (973) 898-9570

  	
   

  
	
   

  	
   

  
	
  One Liberty Plaza

  	
  ARCH INSURANCE COMPANY

  
	
  New York, NY 10006

  	
   

  
	
  Attn: Fred Eichler

  	
   

  
	
  Telephone: (646) 746-8235

  	
  By:

  	
  /s/ Fred S. Eichler

  	
   

  
	
  Facsimile: (646) 563-5727

  	
   

  	
  Title: SVP & Chief Financial Officer

  
	
   

  	
   

  
	
  One Liberty Plaza

  	
  WESTERN DIVERSIFIED CASUALTY

  
	
  New York, NY 10006

  	
  INSURANCE COMPANY

  
	
  Attn: Fred Eichler

  	
   

  
	
  Telephone: (646) 746-8235

  	
   

  
	
  Facsimile: (646) 563-5727

  	
  By:

  	
  /s/ Fred S. Eichler

  	
   

  
	
   

  	
   

  	
  Title: SVP & Chief Financial Officer

  

 

Signature page to First Amendment
to the Second Amended and Restated Credit Agreement

 

 

	
  One Liberty Plaza

  	
  ARCH SPECIALTY INSURANCE

  
	
  New York, NY 10006

  	
  COMPANY

  
	
  Attn: Fred Eichler

  	
   

  
	
  Telephone: (646) 746-8235

  	
   

  
	
  Facsimile: (646) 563-5727

  	
  By:

  	
  /s/ Fred S. Eichler

  	
   

  
	
   

  	
   

  	
  Title: SVP & Chief Financial Officer

  
	
   

  	
   

  
	
  One Liberty Plaza

  	
  ARCH EXCESS & SURPLUS INSURANCE

  
	
  New York, NY 10006

  	
  COMPANY

  
	
  Attn: Fred Eichler

  	
   

  
	
  Telephone: (646) 746-8235

  	
   

  
	
  Facsimile: (646) 563-5727

  	
  By:

  	
  /s/ Fred S. Eichler

  	
   

  
	
   

  	
   

  	
  Title: SVP & Chief Financial Officer

  
	
   

  	
   

  
	
  6th Floor,
  Plantation Place South

  	
  ARCH INSURANCE COMPANY (EUROPE)

  
	
  60 Great Tower Street

  	
  LIMITED

  
	
  London EC3R 5AZ

  	
   

  
	
  United Kingdom

  	
   

  
	
  Attn: Paul Robotham

  	
  By:

  	
  /s/ Paul Robotham

  	
   

  
	
  Telephone: +44-20-7621-5100

  	
   

  	
  Title: Chief Financial Officer

  
	
  Facsimile: +44-20-7621-5101

  	
   

  

 

 

Signature
page to First Amendment to the Second Amended and Restated Credit Agreement

 

 

	
  

  	
  JPMORGAN CHASE BANK, N.A., Individually

  
	
  

  	
  and as Administrative Agent

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Melvin Jackson

  	
   

  
	
   

  	
   

  	
  Title: Vice President

  
	
   

  	
   

  
	
   

  	
  BANK OF AMERICA, N.A., Individually and as

  
	
   

  	
  Syndication
  Agent

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Debra Bassler

  	
   

  
	
   

  	
   

  	
  Title: Senior Vice President

  
	
   

  	
   

  
	
   

  	
  THE BANK OF NEW YORK, Individually and as

  
	
   

  	
  Collateral Agent

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Michael Pensari

  	
   

  
	
   

  	
   

  	
  Title: V.P.

  
	
   

  	
   

  
	
   

  	
  WACHOVIA BANK N.A.

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Ronald Fry

  	
   

  
	
   

  	
   

  	
  Title: Vice President

  
	
   

  	
   

  
	
   

  	
  ING
  BANK N.V., LONDON BRANCH

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ N. Marchant

  	
   

  
	
   

  	
   

  	
  Title: Director

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ I. Taylor

  	
   

  
	
   

  	
   

  	
  Title: Managing Director

  
	
   

  	
   

  
	
   

  	
  HSBC BANK USA, NATIONAL

  
	
   

  	
  ASSOCIATION

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Daniel Serrao

  	
   

  
	
   

  	
   

  	
  Title: Senior Vice President

  

 

Signature page to First Amendment
to the Second Amended and Restated Credit Agreement

 

 

	
  

  	
  CALYON, NEW YORK BRANCH

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Sebastian Rocco

  	
   

  
	
   

  	
   

  	
  Title: Managing Director

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Charles Kornberger

  	
   

  
	
   

  	
   

  	
  Title: Managing Director

  
	
   

  	
   

  
	
   

  	
  LLOYDS TSB BANK PLC

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Jason Eperon

  	
   

  
	
   

  	
   

  	
  Title: Director

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Candi Obrentz

  	
   

  
	
   

  	
   

  	
  Title: Associate Director

  

 

Signature page to First Amendment
to the Second Amended and Restated Credit Agreement

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00130-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00130-of-00352.parquet"}]]