Document:

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                                                                   Exhibit 10(b)

               SECOND AMENDMENT AND EXTENSION TO CREDIT AGREEMENT

         THIS SECOND AMENDMENT AND EXTENSION TO CREDIT AGREEMENT (this
"Agreement") is made and entered into as of this 7th day of February, 2003,
among FLORIDA EAST COAST INDUSTRIES, INC., a Florida corporation (the
"Borrower"), the Banks set forth on the signature pages hereto (the "Banks"),
BANK OF AMERICA, N.A., a national banking association, as administrative agent
for the Banks under this Agreement (in such capacity, the "Administrative
Agent") and as Swingline Bank and Letter of Credit Issuing Bank, WACHOVIA BANK,
N.A., a national banking association (formerly First Union National Bank), as
syndication agent, and SUNTRUST BANK, a Georgia banking corporation, as
documentation agent for the Banks under this Agreement.

                                    RECITALS

         A. The Borrower and the Banks are parties to that certain Credit
Agreement dated as of March 22, 2001, as amended by that certain First Amendment
to Credit Agreement and Pledge Agreement dated as of November 9, 2001 (as
amended from time to time, the "Credit Agreement"), pursuant to which the Banks
agreed to make Loans from time to time in an aggregate principal amount of up to
$300,000,000. Capitalized terms not otherwise defined herein shall have the
meanings given such terms in the Credit Agreement.

         B. To secure its obligations to the Banks under the Credit Agreement,
the Borrower granted to the Banks a security interest in the Collateral. The
Collateral includes all of the assets described in Section 2.01 of the Credit
Agreement.

         C. To induce the Banks to make the loans to the Borrower under the
Credit Agreement, Florida East Coast Railway, LLC, Flagler Development Company,
Gran Central - Deerwood North, L.L.C., Florida Express Carriers, Inc., Florida
Express Logistics, Inc., Florida East Coast Deliveries, Inc. and Railroad Track
Construction Corporation (collectively, the "Guarantors") have delivered to the
Administrative Agent for the benefit of the Banks a Guaranty Agreement, dated as
of March 22, 2001, as amended (the "Guaranty"), guaranteeing payment and
performance by the Borrower of its Obligations under the Credit Agreement.

         D. On December 4, 2002, the Borrower completed the sale of 100% of the
Capital Stock of EPIK to Odyssey Telecorp, Inc., a Delaware corporation
("Odyssey"). As partial consideration for EPIK, the Borrower received a warrant
granting the Borrower the right to acquire up to 15% of the shares of common
stock of Odyssey (subject to dilution in certain circumstances) with an exercise
price of $7 million (the "Warrant"). As a consequence of the foregoing sale, the
Borrower has requested certain amendments to the Credit Agreement.

         E. The Banks are willing to make certain amendments to the Credit
Agreement on the terms and conditions set forth herein, including but not
limited to (i) permanently reducing the aggregate Commitments, (ii) extending
the Commitment Termination Date, and (iii) modifying certain affirmative,
negative and financial covenants.

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                                    AGREEMENT

         In consideration of the Recitals and of the mutual promises and
covenants contained herein, the Banks and the Borrower agree as follows:

         1. EXTENSION. The Borrower, the Administrative Agent and the Banks
agree that the Commitment Termination Date is extended to March 31, 2005.

         2. AMENDMENTS TO CREDIT AGREEMENT. The Borrower, the Administrative
Agent, the Issuing Bank and the Banks agree to the following amendments to the
Credit Agreement:

                  (a) Section 1.01(d) of the Credit Agreement is amended to
delete the comma after "capital expenditures" and to delete the phrase
"investments in or loans to EPIK."

                  (b) Section 1.05(d)(i) of the Credit Agreement is amended to
delete clause (B), with clause (C) becoming clause (B) and clause (D) becoming
clause (C).

                  (c) Section 1.05(d)(iii) of the Credit Agreement is amended in
its entirety to read as follows:

                  upon the issuance by any Group Member of Capital Securities,
                  by an amount equal to 100% of the Net Cash Proceeds from such
                  issuance, provided that such reduction shall not be required
                  with respect to the issuance or exercise of stock or other
                  equity options to management or other employees of a Group
                  Member as employee benefits.

                  (d) The amount of each Bank's Commitment is hereby reduced to
the amount set forth opposite such Bank's name on the signature pages hereof
such that the aggregate amount of the Commitments shall be $200,000,000.

                  (e) Section 4.04(c) of the Credit Agreement is amended to
delete the first sentence thereof in its entirety and replace it with the
following:

                  The financial statements, if any, that the Borrower has most
                  recently delivered to each of the Banks pursuant to Section
                  5.06 (relating to the operations and financial condition of
                  the Consolidated Group after the Closing Date) fairly present
                  the consolidated and consolidating financial condition of the
                  Consolidated Group as of the dates thereof and the
                  consolidated and consolidating results of the operations of
                  the Consolidated Group for the periods covered thereby and are
                  complete and correct in all material respects.

                  (f) Section 5.06(a) of the Credit Agreement is amended to
delete the phrase "(including EPIK)" in the two places it appears in such
Section.

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                  (g) Section 5.06(b) of the Credit Agreement is amended in its
entirety to read as follows:

                  (b) Annual Statements. As soon as available and in any event
                  within ninety (90) days after the close of each fiscal year of
                  the Borrower, copies of the consolidated and consolidating
                  balance sheets of the Consolidated Group as of the close of
                  such fiscal year and consolidated and consolidating statements
                  of earnings and cash flows of the Consolidated Group for such
                  fiscal year, in each case setting forth in comparative form
                  the figures for the preceding fiscal year, all in reasonable
                  detail and accompanied by an unqualified opinion thereon of
                  KPMG LLP, or any successor accounting firm or any other
                  independent public accountants selected by the Borrower and
                  satisfactory to the Banks, to the effect that such
                  consolidated financial statements of the Consolidated Group
                  have been prepared in accordance with Generally Accepted
                  Accounting Principles consistently maintained and applied
                  (except for changes in accounting principles required by the
                  Financial Accounting Standards Board or American Institute of
                  Certified Public Accountants as disclosed therein) and that
                  the examination of such accounts in connection with such
                  financial statements has been made in accordance with
                  generally accepted auditing standards and, accordingly,
                  includes such tests of the accounting records and such other
                  auditing procedures as were considered necessary in the
                  circumstances;

                  (h) Section 6.01of the Credit Agreement is amended to delete
clause (g) thereof and replace it with the following:

                  (g) in respect of property securing Non-recourse Debt of
                  Flagler, but any such Liens shall cover only the property of
                  the project to which such Non-recourse Debt relates and the
                  aggregate principal amount secured by such Liens shall not
                  exceed $325,000,000.

                  (i) Section 6.02 of the Credit Agreement is amended in its
entirety to read as follows:

                  The Borrower shall not, and shall not cause, permit or suffer
                  any other Group Member, directly or indirectly, to create,
                  incur, assume or suffer to exist any Debt, except (a) Debt
                  hereunder and under the Loan Documents in respect of the
                  Notes, (b) Debt between and among Group Members, (c) equipment
                  financing, the aggregate amount of which shall not exceed
                  $10,000,000, (d) with respect to Flagler, Non-recourse Debt,
                  the aggregate amount of which shall not exceed $325,000,000,
                  and (e) Debt in respect of the Bond Issuance to the extent
                  such Debt is secured by the Flagler Letter of Credit.

                  (j) Section 6.03(a) of the Credit Agreement is amended in its
entirety to read as follows:

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                  Except as otherwise provided herein, the Borrower shall not,
                  and shall not cause, permit or suffer any other Group Member
                  to, (i) sell, lease, transfer or otherwise dispose of any
                  portion of its properties and assets to any Person (other than
                  in the ordinary course of business) or (ii) liquidate or
                  discontinue its business; provided, however, that (x) any
                  Group Member (other than the Borrower) may sell, lease or
                  transfer all or substantially all of its assets to the
                  Borrower or another Group Member and the Borrower may acquire
                  (for an amount not exceeding the fair market value thereof)
                  all or substantially all of the properties and assets of the
                  other Group Member so to be sold, leased or transferred to it,
                  if immediately before and after giving effect to such sale,
                  lease or transfer, no Default shall have occurred and be
                  continuing, (y) any Group Member may sell assets that are
                  obsolete or no longer used or useful in its business, and (z)
                  any Group Member may sell other assets, provided that (A)
                  immediately prior to such sale, no Default shall have occurred
                  and be continuing, (B) immediately after giving effect to such
                  sale, no Default shall have occurred or be continuing, and (C)
                  the aggregate fair market value of all such other assets sold
                  during any fiscal year shall not exceed $10,000,000.

                  (k) Section 6.04(b) of the Credit Agreement is amended in its
entirety to read as follows:

                  The Borrower shall not, and shall not cause, permit or suffer
                  any other Group Member to, make or commit to make any advance,
                  loan, extension of credit or capital contribution to, or
                  purchase of any stock, bonds, notes, debentures or other
                  securities of, or make any other investment (by way of
                  guarantee or otherwise) in any Person other than (i)
                  investments in obligations of, and obligations of third
                  parties that are fully guaranteed as to principal and interest
                  by, the United States of America; or (ii) investments in
                  commercial paper issued by any Person having at least an A2
                  credit rating from the publication services of Standard &
                  Poor's Credit Corp. ("S&P"), or P2 by Moody's Investor
                  Services, Inc. ("Moody's"), or similar ratings provided by
                  successor rating agencies; or (iii) demand deposits maintained
                  in the ordinary course of the Borrower's business or that of
                  any of the other Group Members; or (iv) repurchase agreements
                  collateralized by the investments referred to in (i) or (ii)
                  above; or (v) certificates of deposit, master notes, bankers'
                  acceptances, or Eurodollar time deposits issued by commercial
                  banks or trust companies having capital and surplus in excess
                  of $100,000,000; or (vi) obligations of states,
                  municipalities, counties, political subdivisions, agencies of
                  the foregoing and other similar entities, rated at least A,
                  MIG-1, or MIG-2 by Moody's or at least A by S&P, or similar
                  ratings by successor rating agencies; or (vii) unrated
                  obligations of states, municipalities, counties, political
                  subdivisions, agencies of the foregoing and other similar
                  entities, supported by irrevocable letters of credit issued by
                  commercial banks having capital and surplus in excess of
                  $100,000,000 and long-term debt that is rated at least A by
                  Moody's or S&P (or similar ratings by successor rating

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                  agencies) or commercial paper that is rated at least A2 by
                  Moody's or P2 by S&P (or similar ratings by successor rating
                  agencies); or (viii) unrated general obligations of states,
                  municipalities, counties, political subdivisions, agencies of
                  the foregoing and other similar entities, provided that the
                  issuer has other outstanding general obligations rated at
                  least A, MIG-1 or MIG-2 by Moody's or A by S&P (or similar
                  ratings by successor rating agencies); or (ix) mutual funds
                  that invest exclusively in the investments permitted by the
                  preceding clauses (i) through (viii); or (x) investments owned
                  on the date hereof; or (xi) investments by the Borrower and
                  other Group Members in the Borrower and other Group Members;
                  or (xii) Acquisitions permitted by Section 6.04(a) and,
                  provided no Default has occurred and is continuing or would
                  result therefrom, other investments which satisfy the
                  conditions specified in clauses (iii) and (iv) of Section
                  6.04(a); or (xiii) investments by Flagler in joint ventures
                  pursuant to the St. Joe Management Agreement and pursuant to
                  other joint venture agreements existing on the date hereof,
                  provided that (A) immediately prior to such investment, no
                  Default shall have occurred and be continuing, (B) immediately
                  after giving effect to such investment, no Default shall have
                  occurred or be continuing, and (C) the amount of cash and the
                  book value of other assets invested in such joint ventures
                  shall not exceed $100,000,000 in the aggregate; or (xiv)
                  advances, loans, or extensions of credit or other investments
                  made after the date hereof for general corporate purposes,
                  including without limitation seller or lessor financing in
                  connection with asset sales and leases permitted hereunder,
                  and Guaranties of Debt of Persons outside the Borrower Group,
                  provided that the aggregate outstanding principal amount of
                  all such investments, advances, loans, extensions of credit
                  and Guaranties shall not exceed $25,000,000; or (xv)
                  redemptions and repurchases of Capital Securities of the
                  Borrower permitted by Section 6.07.

                  (l) Section 6.05 of the Credit Agreement is amended in its
entirety to read as follows:

                  The Borrower shall not, and shall not cause, permit or suffer
                  any of the other Group Members to, issue any Guaranty, except
                  that (a) the Borrower and the other Group Members may execute
                  and deliver the Guaranty Agreements and may endorse checks for
                  deposit in the ordinary course of business, (b) Flagler may
                  execute and deliver performance guaranties to municipalities
                  in connection with specific projects in the ordinary course of
                  business, (c) any Group Member may Guaranty any obligations of
                  any other Group Member provided that the incurrence of the
                  obligations so guaranteed is not prohibited by this Agreement
                  and (d) one or more Group Members may Guaranty any obligations
                  of any Person outside the Borrower Group, provided that the
                  aggregate maximum principal liability under all such
                  Guaranties, together with the aggregate outstanding principal
                  amount of investments, advances, loans and extensions of
                  credit (other than such Guaranties) made pursuant Section
                  6.04(b)(xiv) above, does not exceed $25,000,000.

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                  (m) Section 6.07 of the Credit Agreement is amended to delete
"$50,000,000" from the last line thereof and replace it with "the Repurchase
Limit".

                  (n) Section 6.10 of the Credit Agreement is amended to delete
the phrase ", including EPIK," contained therein.

                  (o) Section 6.14 of the Credit Agreement is amended to delete
the phrase "and EPIK," contained therein.

                  (p) Section 7.02 of the Credit Agreement is amended in its
entirety to read as follows:

                  The Borrower Group shall maintain at all times a minimum Group
                  Net Worth (a) as of December 31, 2002 equal to 85% of the
                  aggregate amount included under stockholder's equity on the
                  consolidated balance sheet of the Consolidated Group
                  (including any effects of the sale of EPIK but net of the
                  adjustments in clauses (a) through (f) of the definition of
                  Group Net Worth) (the "Baseline Net Worth"), (b) at all times
                  after December 31, 2002, equal to (i) the Baseline Net Worth
                  plus the sum of (A) 50% of Group Net Income (but not less any
                  net losses) for each of the Borrower's fiscal quarters ending
                  after December 31, 2002 and (B) an amount equal to 100% of the
                  Net Cash Proceeds of any issuances by the Borrower of any
                  Capital Securities from and after January 1, 2003, minus (ii)
                  the lesser of (A) the Repurchase Limit and (B) the aggregate
                  amount of repurchases and redemptions of the Borrower's
                  Capital Securities made by the Borrower from and after January
                  1, 2003.

                  (q) Section 7.04 of the Credit Agreement is deleted.

                  (r) The following definition set forth in Exhibit A to the
Credit Agreement is hereby amended in its entirety to read as follows:

                  "Acquisition" shall mean any transaction, or series of related
                  transactions, by which the Borrower and/or any other Group
                  Member directly or indirectly (a) acquires all or
                  substantially all of the assets of any Person or division
                  thereof, whether through purchase of assets, merger or
                  otherwise, (b) acquires (in one transaction or as the most
                  recent transaction in a series of transactions) control of at
                  least a majority in ordinary voting power of the securities of
                  a Person which have ordinary voting power for the election of
                  directors or (c) otherwise acquires control of more than 50%
                  of the voting equity interests in any such Person.
                  Notwithstanding the foregoing, Acquisition shall not include
                  (i) any acquisition where the assets acquired consist solely
                  of real property and assets incidental thereto (which may
                  include operating buildings and office/industrial parks with
                  tenant leases and property management contracts and personnel
                  directly associated with the administration of such leases and
                  contracts) or (ii) any acquisition of a Person all or
                  substantially all of the assets of which consist of real

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                  property and assets incidental thereto (which may include
                  operating buildings and office/industrial parks with tenant
                  leases and property management contracts and personnel
                  directly associated with the administration of such leases and
                  contracts), in each case made by Florida East Coast Railway,
                  L.L.C., Flagler Development Company or any of their
                  Subsidiaries in the ordinary course of its business; provided
                  that Acquisition shall include any acquisition of a business
                  as a going concern.

                  (s) The definition of Borrower Group in Exhibit A to the
Credit Agreement is hereby amended by deleting the phrase "EPIK and" contained
therein.

                  (t) The following definition is added to Exhibit A to the
Credit Agreement in appropriate alphabetical order:

                  "Repurchase Limit" shall mean $150,000,000, provided that, for
                  periods after December 31, 2003, the Repurchase Limit shall be
                  increased as follows: if the Borrower delivers a certificate
                  of the chief financial officer of the Borrower in form and
                  substance reasonably satisfactory to the Administrative Agent
                  certifying that, based on the most recent financial statements
                  delivered pursuant to Section 5.06(a) or 5.06(b), as
                  appropriate, and after giving effect to the aggregate amount
                  of the Borrower's proposed redemptions, repurchases or special
                  dividends on a pro forma basis (including any Group Debt
                  incurred in connection therewith), the Leverage Ratio is less
                  than 2.00 to 1.00, the Repurchase Limit shall be increased by
                  the amount of such proposed redemption, repurchase or special
                  dividend included in such pro forma calculation, except that
                  the Repurchase Limit shall in no event exceed $200,000,000.
                  Notwithstanding the foregoing, if the Leverage Ratio exceeds
                  2.00 to 1.00 at any time after the Repurchase Limit has been
                  increased beyond $150,000,000, then until the Leverage Ratio
                  shall again be less than 2.00 to 1.00, the Repurchase Limit
                  shall equal the greater of (a) $150,000,000 or (b) the
                  aggregate amount as of such date of reporting of special
                  dividends on, and redemptions and repurchases of, capital
                  stock of the Borrower made from and after the date hereof but
                  prior to such date of reporting. In no event shall the
                  Repurchase Limit exceed $200,000,000.

         3. WARRANT. Notwithstanding Section 2.01(a) of the Credit Agreement and
the applicable provisions of the Pledge Agreement initially pledging the shares
of Class A Common Stock of EPIK, the Borrower shall not be required to deliver
the Warrant to the Administrative Agent for purposes of perfecting the
Administrative Agent's Lien thereon until the earlier to occur of (i) a request
by the Majority Banks (which request shall be deemed to be given in the event
the Pledge Agreements do not terminate on March 22, 2003) or (ii) a request by
the Administrative Agent after the occurrence of an Event of Default.

         4. REPRESENTATIONS AND WARRANTIES. The Borrower hereby represents and
warrants to the Administrative Agent, the Issuing Bank and each of the Banks as
follows:

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                  (a) RECITALS. The Recitals in this Agreement are true and
correct in all respects.

                  (b) INCORPORATION OF REPRESENTATIONS. All representations and
warranties of the Borrower in the Credit Agreement are incorporated herein in
full by this reference and are true and correct as of the date hereof.

                  (c) NO DEFAULTS. No Default or Event of Default has occurred
and is continuing under the Credit Agreement.

                  (d) CORPORATE POWER; AUTHORIZATION. The Borrower has the
corporate power, and has been duly authorized by all requisite corporate action,
to execute and deliver this Agreement and to perform its obligations hereunder.
This Agreement has been duly executed and delivered by the Borrower.

                  (e) ENFORCEABILITY. This Agreement is the legal, valid and
binding obligation of the Borrower, enforceable against the Borrower in
accordance with its terms.

                  (f) NO VIOLATION. The Borrower's execution, delivery and
performance of this Agreement do not and will not (i) violate any law, rule,
regulation or court order to which the Borrower or any other Group Member is
subject; (ii) conflict with or result in a breach of the Borrower's or any Group
Member's Articles of Incorporation or Bylaws or any agreement or instrument to
which the Borrower or any Group Member is party or by which it or its properties
are bound, or (iii) result in the creation or imposition of any lien, security
interest or encumbrance on any property of the Borrower or any Group Member,
whether now owned or hereafter acquired, other than liens in favor of the Banks.

                  (g) OBLIGATIONS ABSOLUTE. The obligation of the Borrower to
repay the Loans, together with all interest accrued thereon, is absolute and
unconditional, and there exists no right of set off or recoupment, counterclaim
or defense of any nature whatsoever to payment of the Obligations.

         5. CONDITIONS PRECEDENT TO EFFECTIVENESS OF AGREEMENT. This Agreement
shall not be effective unless and until each of the following conditions shall
have been satisfied in the Administrative Agent's sole discretion or waived by
the Administrative Agent:

                  (a) EXECUTION OF AGREEMENT AND GUARANTORS' CONSENT. The
Borrower and the Majority Banks shall have executed and delivered this Agreement
and the Guarantors shall have executed the Consent of Guarantors at the end of
this Agreement.

                  (b) OPINIONS OF COUNSEL. The Administrative Agent and the
Banks shall have received favorable opinions of counsel to the Borrower
addressed to the Administrative Agent and the Banks, dated as of the date hereof
and satisfactory in form and substance to the Administrative Agent and the
Banks, as to the due authorization, execution, delivery and enforceability of
this Agreement, the Consent of Guarantors at the end of this Agreement and such
other matters as the Administrative Agent and the Banks shall request.

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                  (c) OTHER DELIVERABLES. The Borrower shall have delivered, or
caused to be delivered, to the Administrative Agent:

                           (i) A certificate of the Secretary or an Assistant
                  Secretary of the Borrower and each other Group Member dated as
                  of the date hereof substantially in the form attached as
                  Appendix 2 to Exhibit E of the Credit Agreement, certifying
                  among other things that the Articles of Incorporation and
                  Bylaws of such Group Member have not been amended or modified
                  since March 22, 2001.

                           (ii) A certificate substantially in the form attached
                  as Appendix 3 to Exhibit E of the Credit Agreement certifying
                  that (i) the Borrower is in compliance with all the terms and
                  provisions of the Credit Agreement, as amended by this
                  Agreement, and that as of the date hereof no Default has
                  occurred or is continuing, and (ii) the representations and
                  warranties contained in Article IV of the Credit Agreement are
                  true and correct in all material respects.

                  (d) PAYMENT OF AMENDMENT/EXTENSION FEE. The Borrower shall
have paid to the Administrative Agent for the account of each Bank that has
approved the amendments and extension described herein, in consideration of such
approval, a fee in an amount equal to 0.125% of such Bank's Commitment (as
reduced pursuant to this Agreement).

                  (e) PAYMENT OF ARRANGEMENT FEE. The Borrower shall have paid
to Banc of America Securities LLC ("BAS") the balance of the arrangement fee
provided for in that certain letter agreement dated January 20, 2003 between the
Borrower, BAS and Bank of America, N.A.

                  (f) PAYMENT OF EXPENSES. The Borrower shall have paid the
Administrative Agent all of its reasonable costs and expenses (including the
Administrative Agent's attorneys fees) incurred in connection with the
preparation of this Agreement.

                  (g) MANDATORY PAYMENT. The Borrower shall have repaid the
Revolving Loans, if necessary, in an amount sufficient to reduce the outstanding
principal balance of the Revolving Loans to an amount not greater than the
aggregate reduced Commitments (as provided in Section 1(a) above) less the
aggregate principal amount of Swingline Loans outstanding less the aggregate
stated amount of Letters of Credit outstanding. All repayments under this
Section shall have been accompanied by accrued interest on the principal amount
being repaid to the date of repayment.

                  (h) COMMITMENT TRANSFERS. The Agent shall have received duly
executed Commitment Transfer Supplements evidencing the transfer by each of
Republic Bank, Compass Bank and Israel Discount Bank of New York of 100% of
their respective Commitments to one or more Banks, which transfers shall be
deemed to have occurred immediately prior to the effectiveness of this
Amendment.

         6. EFFECT AND CONSTRUCTION OF AGREEMENT. Except as expressly provided
herein, the Credit Agreement, the Pledge Agreement and the other Loan Documents
shall remain in full

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<PAGE>

force and effect in accordance with their respective terms, and this Agreement
shall not be construed to:

                  (i) impair the validity, perfection or priority of any lien or
         security interest securing the Obligations;

                  (ii) waive or impair any rights, powers or remedies of the
         Administrative Agent, the Issuing Bank and the Banks under the Credit
         Agreement and the Loan Documents; or

                  (iii) constitute an agreement by the Administrative Agent, the
         Issuing Bank and the Banks or require them to make further amendments
         to the Credit Agreement.

         In the event of any inconsistency between the terms of this Agreement,
the Credit Agreement, the Pledge Agreement or any of the other Loan Documents,
this Agreement shall govern. The Borrower acknowledges that it has consulted
with counsel and with such other experts and advisors as it has deemed necessary
in connection with the negotiation, execution and delivery of this Agreement.
This Agreement shall be construed without regard to any presumption or rule
requiring that it be construed against the party causing this Agreement or any
part hereof to be drafted.

         7. MISCELLANEOUS.

                  (a) FURTHER ASSURANCE. The Borrower agrees to execute such
other and further documents and instruments as the Administrative Agent, the
Issuing Bank and the Banks may request to implement the provisions of this
Agreement.

                  (b) BENEFIT OF AGREEMENT. This Agreement shall be binding upon
and inure to the benefit of and be enforceable by the parties hereto, their
respective successors and assigns. No other person or entity shall be entitled
to claim any right or benefit hereunder, including, without limitation, the
status of a third-party beneficiary of this Agreement.

                  (c) INTEGRATION. This Agreement, together with the Credit
Agreement and the Loan Documents, constitutes the entire agreement and
understanding among the parties relating to the subject matter hereof, and
supersedes all prior proposals, negotiations, agreements and understandings
relating to such subject matter. In entering into this Agreement, the Borrower
acknowledges that it is relying on no statement, representation, warranty,
covenant or agreement of any kind made by the Administrative Agent, the Issuing
Bank and the Banks or any employee or agent of the Administrative Agent, the
Issuing Bank and the Banks, except for the agreements of the Administrative
Agent, the Issuing Bank and the Banks set forth herein.

                  (d) SEVERABILITY. The provisions of this Agreement are
intended to be severable. If any provisions of this Agreement shall be held
invalid or unenforceable in whole or in part in any jurisdiction, such provision
shall, as to such jurisdiction, be ineffective to the extent of such invalidity
or enforceability without in any manner affecting the validity of

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<PAGE>

enforceability of such provision in any other jurisdiction or the remaining
provisions of this Agreement in any jurisdiction.

                  (e) GOVERNING LAW. This Agreement shall in all respects be
governed by and construed in accordance with the laws of the State of New York
(including, without limitation, Sections 5-1401 and 5-1402 of the New York
General Obligations Law), but excluding, to the fullest extent permitted by
applicable law, all other choice of law and conflict of law rules.

                  (f) COUNTERPARTS. This Agreement may be executed in any number
of counterparts and by different parties to this Agreement on separate
counterparts, each of which, when so executed, shall be deemed an original, but
all such counterparts shall constitute one and the same agreement.

                  (g) NOTICES. Any notices with respect to this Agreement shall
be given in the manner provided for in Section 10.04 of the Credit Agreement.

                  (h) AMENDMENT. No amendment, modification, rescission, waiver
or release of any provision of this Agreement shall be effective unless the same
shall be in writing and signed by the parties hereto.

                        [Signatures Appear on Next Page]

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<PAGE>

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

                                        FLORIDA EAST COAST INDUSTRIES, INC.,
                                        as Borrower

                                        By: /s/ Bradley D. Lehan
                                            ------------------------------------
                                                Bradley D. Lehan
                                                Vice President, Treasurer

                                        BANK OF AMERICA, N.A.,
                                        as Administrative Agent

                                        By: /s/ Laura B. Schmuck
                                            ------------------------------------
                                                Laura B. Schmuck
                                                Assistant Vice President
                                        Address:
                                                231 South LaSalle Street
                                                Chicago, Illinois 60697

                  [BANK SIGNATURES APPEAR ON SUCCEEDING PAGES]

                                      -12-

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Amounts
-------

                                        BANK OF AMERICA, N.A.,
                                        as Bank, Swingline Bank and Issuing Bank

$48,000,000                             By: /s/ John M. Hall
                                            ------------------------------------
                                                John M. Hall
                                                Senior Vice President
                                        Address:
                                                550 West Main Street
                                                Suite 800
                                                Knoxville, Tennessee 37902

                                        SUNTRUST BANK,
                                        as Documentation Agent and Bank

$40,000,000                             By: /s/ Karen Copeland
                                            ------------------------------------
                                                 Karen Copeland
                                                 Vice President
                                        Address:
                                                 303 Peachtree Street
                                                 Atlanta, Georgia  30308

                                        WACHOVIA BANK, N.A., (formerly
                                        First Union National Bank, and as
                                        successor to Wachovia Bank, N.A.),
                                        as Syndication Agent and Bank

$48,000,000                             By: /s/ Charles N. Kauffman
                                            ------------------------------------
                                                Charles N. Kauffman
                                                Senior Vice President
                                        Address:
                                                225 Water Street, 2nd Floor
                                                Jacksonville, Florida  32202

                                        UNION PLANTERS BANK,
                                        as Bank

$20,000,000                             By: /s/ Steven M. Fuino
                                            ------------------------------------
                                                Steven M. Fuino
                                                Assistant Vice President
                                        Address:
                                                1489 West Palmetto Park Road
                                                3rd Floor
                                                Boca Raton, Florida  33486

                                      -13-

<PAGE>

                                        FLEET NATIONAL BANK,
                                        as Bank

$20,000,000                             By: /s/ David J. Doucette
                                            ------------------------------------
                                                David J. Doucette
                                                Vice President
                                        Address:
                                                100 Federal Street
                                                Mailstop MADE10008D
                                                Boston, Massachusetts  02110

                                        LASALLE BANK NATIONAL ASSOCIATION,
                                        as Bank

$16,000,000                             By: /s/ Robert W. Hart
                                            ------------------------------------
                                                Robert W. Hart
                                                First Vice President
                                        Address:
                                                135 South LaSalle Street
                                                Suite 361
                                                Chicago, Illinois  60603

                                        BNP PARIBAS,
                                        as Bank

$8,000,000                              By: /s/ Brian F. Hewett
                                            ------------------------------------
                                                Brian F. Hewett
                                                Director
                                        Address:
                                                209 S. LaSalle Street, Suite 500
                                                Chicago, Illinois  60604
                                                (312) 977-1384

                                      -14-

<PAGE>

                              CONSENT OF GUARANTORS

         The undersigned are the Guarantors referred to in the preceding
Agreement. The undersigned do hereby consent to the terms of this Agreement and
do hereby ratify and confirm the Guaranty Agreement in all respects.

                                        FLORIDA EAST COAST RAILWAY, LLC,
                                          a Florida limited liability company

                                        By: /s/ Bradley D. Lehan
                                            ------------------------------------
                                        Name:   Bradley D. Lehan
                                        Title:  Vice President, Treasurer

                                        FLAGLER DEVELOPMENT COMPANY,
                                          a Florida corporation

                                        By: /s/ Bradley D. Lehan
                                            ------------------------------------
                                        Name:   Bradley D. Lehan
                                        Title:  Vice President, Treasurer

                                        GRAN CENTRAL-DEERWOOD NORTH, L.L.C.,
                                          a Delaware limited liability company

                                        By: /s/ Bradley D. Lehan
                                            ------------------------------------
                                        Name:   Bradley D. Lehan
                                        Title:  Vice President, Treasurer

                                        FLORIDA EXPRESS CARRIERS, INC.,
                                          a Florida corporation

                                        By: /s/ Bradley D. Lehan
                                            ------------------------------------
                                        Name:   Bradley D. Lehan
                                        Title:  Vice President, Treasurer

                                        FLORIDA EXPRESS LOGISTICS, INC.,
                                          a Florida corporation

                                        By: /s/ Bradley D. Lehan
                                            ------------------------------------
                                        Name:   Bradley D. Lehan
                                        Title:  Vice President, Treasurer

<PAGE>

                                        FLORIDA EAST COAST DELIVERIES, INC.,
                                          a Florida corporation

                                        By: /s/ Bradley D. Lehan
                                            ------------------------------------

                                        Name:   Bradley D. Lehan
                                        Title:  Vice President, Treasurer

                                        RAILROAD TRACK CONSTRUCTION CORPORATION,
                                          a Florida corporation

                                        By: /s/ Bradley D. Lehan
                                            ------------------------------------
                                        Name:   Bradley D. Lehan
                                        Title:  Vice President, Treasurer<PAGE>

                                                                   EXHIBIT 4(e)

================================================================================

                       AMENDMENT AND RESTATEMENT AGREEMENT

                                   dated as of
                                December 27, 2002

                                      among

                          THE SHERWIN-WILLIAMS COMPANY

                            The Lenders Party Hereto

                               JPMORGAN CHASE BANK
                           as Administrative Agent and
                       Competitive Advance Facility Agent

                       WACHOVIA BANK, NATIONAL ASSOCIATION
                              as Syndication Agent

                           --------------------------

                           J.P. MORGAN SECURITIES INC.
                                       and
                           WACHOVIA SECURITIES, INC.,
                  as Joint Lead Arrangers and Joint Bookrunners

================================================================================

<PAGE>

                         AMENDMENT AND RESTATEMENT AGREEMENT dated as of
                    December 27, 2002 (this "Amendment and Restatement") in
                    respect of the AMENDED AND RESTATED 364-DAY REVOLVING CREDIT
                    AGREEMENT dated as of December 31, 1999, as amended by
                    Amendment No. 1 dated as of December 1, 2000, and as further
                    amended by Amendment No. 2 dated as of December 28, 2001
                    (the "Credit Agreement"), among THE SHERWIN-WILLIAMS
                    COMPANY, an Ohio corporation (the "Company"); the LENDERS
                    from time to time party thereto; JPMORGAN CHASE BANK (as
                    successor to THE CHASE MANHATTAN BANK), a New York banking
                    corporation, as administrative agent for the Lenders (in
                    such capacity, the "Administrative Agent") and competitive
                    advance facility agent for the Lenders (in such capacity,
                    the "Competitive Advance Facility Agent"); and WACHOVIA
                    BANK, NATIONAL ASSOCIATION, as Syndication Agent.

          The Company has requested that the Credit Agreement be amended and
restated as set forth in Section 1 below and the parties hereto are willing so
to amend and restate the Credit Agreement (as amended and restated, the
"Restated Credit Agreement"). Each capitalized term used but not defined herein
has the meaning assigned thereto in the Credit Agreement.

          In consideration of the premises and the agreements herein contained,
the parties hereto hereby agree, on the terms and subject to the conditions set
forth herein, as follows:

          SECTION 1. AMENDMENT AND RESTATEMENT. Provided that the conditions set
forth in Section 3 are satisfied in full, effective as of the date hereof, the
Credit Agreement shall be amended and restated in the form in which it exists on
the date hereof but with the following revisions:

          (a) Article I of the Credit Agreement is hereby amended as follows:

               (i) FACILITY FEE. The definition of the term "Facility Fee" is
          hereby amended by deleting the amount "five (5) basis points" in the
          seventh line and substituting therefor "seven (7) basis points" and by
          inserting in the seventh line thereof after the word "Commitment" the
          words "or outstanding Loans, as the case may be,".

               (ii) DEBT. The definition of the Term "Debt" is hereby amended by
          inserting immediately after the words "Facility Fees" a comma and the
          words "the Utilization Fees".

               (iii) EFFECTIVE DATE. The definition of the term "Effective Date"
          is hereby amended to read as follows:

<PAGE>

                                                                              2

                    "'EFFECTIVE DATE' shall mean December 27, 2002."

                    (iv) MARGIN. The definition of the term "Margin" is hereby
               amended to read as follows:

                    "'MARGIN' shall mean eighteen (18) basis points."

                    (v) OTHER FEES. The definition of the term "Other Fees" is
               hereby amended to read as follows:

                    "'OTHER FEES' shall mean the annual administration fee and
               the auction administration fee to be paid by the Company to
               JPMorgan Chase Bank as separately agreed upon."

                    (vi) UTILIZATION FEE. The following definition is hereby
               inserted in the correct alphabetical order:

                         "'UTILIZATION FEE' shall mean the sum to be paid by the
                    Company to the Administrative Agent on behalf of each Lender
                    on the last Banking Day of each calendar quarter prior to
                    the termination of the Commitments and the repayment of the
                    outstanding Loans, calculated, for each day, as the product
                    of each Lender's outstanding Loans on such day and twelve
                    and one-half (12 1/2) basis points."

          (b) AMOUNT OF CREDIT. Each of the first paragraph of Section 2.1 and
Sections 2.1(B)(i), 2.1(C)(i) and 2.1(C)(ii) of the Credit Agreement is hereby
amended by deleting the amount "One Hundred Twelve Million Two Hundred Thousand
Dollars ($112,200,000)" and substituting therefor "One Hundred Ten Million
Dollars ($110,000,000)".

          (c) FEES. Article II of the Credit Agreement is hereby amended by
deleting each of Sections 2.3 and 2.4 in its entirety and substituting therefor
the following Sections:

                    "SECTION 2.3. FEES. (a) The Company agrees to pay to each
               Lender a Facility Fee, for the period from and including the date
               of this Agreement until the Commitments have terminated and the
               outstanding Loans have been repaid. The first payment of the
               Facility Fee under this Agreement shall be made no later than
               March 31, 2003 for the period December 27, 2002 to March 31, 2003
               and payments of the Facility Fee accrued during each calendar
               quarter thereafter will be made on the last Banking Day of such
               quarter. All payments of the Facility Fee shall be made to the
               Administrative Agent in immediately available funds for the
               account of the Lenders by no later than 3:00 p.m. (New York time)
               on the applicable payment date. The Administrative Agent shall
               promptly

<PAGE>

                                                                              3

                    distribute to each Lender its ratable share of the Facility
                    Fee received by it for the account of such Lender.

                         (b) For any day on which the outstanding principal
                    amounts of Loans shall be greater than 50% of the total
                    Commitments (including each day after the Termination Date
                    that Loans are outstanding), the Company shall pay to each
                    Lender a Utilization Fee. The first payment of the
                    Utilization Fee, if any, under this Agreement shall be made
                    no later than March 31, 2003 for the period December 27,
                    2002 to March 31, 2003 and payments of the Utilization Fee,
                    if any, accrued during each calendar quarter thereafter will
                    be made on the last Banking Day of such quarter. All
                    payments of the Utilization Fee shall be made to the
                    Administrative Agent in immediately available funds for the
                    account of the Lenders by no later than 3:00 p.m. (New York
                    time) on the applicable payment date. The Administrative
                    Agent shall promptly distribute to each Lender its ratable
                    share of the Utilization Fee received by it for the account
                    of such Lender.

                         SECTION 2.4. COMPUTATION OF FEES. Facility Fees and
                    Utilization Fees shall be computed for the actual number of
                    days elapsed on the basis of a 360 day year."

                    (d) TERMINATION OF COMMITMENTS AND RIGHT OF SUBSTITUTION.

                         (i) Section 2.5(i) of the Credit Agreement is hereby
                    amended by deleting the words "Facility Fees accrued and
                    unpaid" in the eleventh line and substituting therefor
                    "accrued and unpaid Facility Fees, accrued and unpaid
                    Utilization Fees, if any,".

                         (ii) Section 2.5(vi) of the Credit Agreement is hereby
                    amended by inserting immediately after the words "Facility
                    Fees" in the second line the words "and the Utilization
                    Fees".

                    (e) CHANGES IN TAX LAWS. Section 3.2 of the Credit Agreement
               is hereby amended by deleting the words "interest or Facility
               Fee" in the eleventh and twelfth lines and substituting therefor
               "interest, Facility Fee or Utilization Fee".

                    (f) EVENTS OF DEFAULT. Article VII of the Credit Agreement
               is hereby amended by deleting Section 7.1 in its entirety and
               substituting therefor the following Section:

                    "SECTION 7.1. NON-PAYMENT OF NOTES, INTEREST, FACILITY FEE,
                    UTILIZATION FEE OR OTHER FEES. If the principal on any Note
                    shall not be paid in full when due and payable and shall
                    remain unpaid for a period of three (3) consecutive Banking
                    Days, or London Banking Days, as the case may be and/or any
                    interest due on any Note or any Facility Fee, Utilization
                    Fee or Other Fee shall not be paid

<PAGE>

                                                                               4

                    within five (5) Banking Days after written notice thereof to
                    the Company from the Lender (or the Administrative Agent or
                    Competitive Advance Facility Agent, as the case may be) to
                    whom such amount(s) are owed."

                    (g) AMENDMENTS. Section 10.3 of the Credit Agreement is
               hereby amended by inserting immediately after the words "Facility
               Fee" in the fourth and eighth lines of the second paragraph the
               words "or Utilization Fee".

                    (h) DATE OF EFFECTIVENESS. Provided that the conditions set
               forth in Section 3 are satisfied, from and after the date hereof,
               all references in the Credit Agreement to "the date hereof", "the
               date of this Agreement" or other words or phrases of similar
               import shall be deemed references to the date of this Amendment
               and Restatement.

                    (i) SCHEDULE A. The Commitments and Percentages set forth on
               Schedule A to the Credit Agreement are hereby deleted and the
               Commitments and Percentages set forth on Schedule A hereto are
               substituted in lieu thereof.

                    SECTION 2. REPRESENTATIONS AND WARRANTIES. The Company
          represents and warrants to the Lenders as of the date hereof that:

                    (a) The representations and warranties set forth in Article
               IV of the Credit Agreement are true and correct, and after giving
               effect to this Amendment and Restatement shall remain true and
               correct, with the same effect as if made on the date hereof,
               except to the extent such representations and warranties
               expressly relate to an earlier date (in which case such
               representations and warranties shall be true and correct as of
               such earlier date).

                    (b) Immediately before and after giving effect to this
               Amendment and Restatement, no Possible Default or Event of
               Default has occurred and is continuing.

                    SECTION 3. CONDITIONS TO EFFECTIVENESS. The effectiveness of
          this Amendment and Restatement and the obligations of the Lenders to
          make Loans under the Restated Credit Agreement are subject to the
          satisfaction (or waiver in accordance with Section 10.3 of the Credit
          Agreement) of the following conditions:

                    (a) The Administrative Agent (or its counsel) shall have
               received from each party hereto (including each Lender named in
               Schedule A hereto) either (i) a counterpart of this Amendment and
               Restatement signed on behalf of such party or (ii) written
               evidence reasonably satisfactory to the Administrative Agent
               (which may include telecopy transmission of a signed signature
               page of this Amendment and Restatement) that such party has
               signed a counterpart of this Amendment and Restatement.

<PAGE>

                                                                               5

                    (b) The Administrative Agent shall have received a favorable
               written opinion (addressed to the Administrative Agent and the
               Lenders and dated the date hereof) of counsel for the Company as
               to the matters referred to in Sections 4.1, 4.2, 4.3, 4.4, 4.6,
               4.8 and 4.9 of the Credit Agreement and such other matters as the
               Lenders may reasonably request. The Company hereby requests such
               counsel to deliver such opinion.

                    (c) The Administrative Agent shall have received such
               documents and certificates as the Administrative Agent or its
               counsel may reasonably request relating to the organization,
               existence and good standing of the Company, any other legal
               matters relating to the Company, this Amendment and Restatement
               or the Restated Credit Agreement, all in form and substance
               satisfactory to the Administrative Agent and its counsel.

                    (d) The Administrative Agent shall have received a
               certificate, dated the date hereof and signed by the President, a
               Vice President or the Chief Financial Officer, Treasurer or
               Controller of the Company, certifying that (i) the
               representations and warranties of the Company set forth in
               Article IV of the Credit Agreement shall be true and correct, and
               after giving effect to this Amendment and Restatement shall
               remain true and correct, on and as of the date hereof, except to
               the extent such representations and warranties expressly relate
               to an earlier date (in which case such representations and
               warranties shall be true and correct as of such earlier date),
               and (ii) immediately before and after giving effect to this
               Amendment and Restatement, on and as of the date hereof, no
               Possible Default or Event of Default shall have occurred and be
               continuing.

                    (e) No Loans under the Credit Agreement shall be outstanding
               as of the date hereof, and all interest accrued thereon for the
               account of the Lenders shall have been paid.

          The Administrative Agent shall notify the Company and the Lenders of
          the satisfaction of the foregoing conditions, and such notice shall be
          conclusive and binding. Notwithstanding the foregoing, this Amendment
          and Restatement and the obligations of the Lenders to make Loans shall
          not become effective unless each of the foregoing conditions is
          satisfied (or waived pursuant to Section 10.3) at or prior to 5:00
          p.m. (New York time) on December 27, 2002 (and, in the event such
          conditions are not so satisfied or waived, the Commitments shall
          terminate at such time).

                    SECTION 4. AGREEMENT. The parties hereto expressly agree
          that the Restated Credit Agreement shall be effective and binding upon
          them notwithstanding that it shall not have been executed by one or
          more Lenders under the Credit Agreement that are not parties hereto.
          Except as specifically stated herein, the provisions of the Credit
          Agreement are and shall remain in full force and effect. As used
          therein, the terms "Credit Agreement", "herein", "hereunder",
          "hereinafter", "hereto", "hereof" and words of similar import shall,
          unless the context otherwise requires, refer to the Restated Credit
          Agreement.

<PAGE>

                                                                               6

                    SECTION 5. APPLICABLE LAW. THIS AMENDMENT AND RESTATEMENT
          SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF
          THE STATE OF OHIO.

                    SECTION 6. COUNTERPARTS. This Amendment and Restatement may
          be executed in two or more counterparts, each of which shall
          constitute an original but all of which when taken together shall
          constitute but one contract. Delivery of an executed counterpart of a
          signature page of this Amendment and Restatement by telecopy shall be
          effective as delivery of a manually executed counterpart of this
          Amendment and Restatement.

                    SECTION 7. EXPENSES. The Company agrees to reimburse the
          Administrative Agent, Wachovia Bank, National Association, J.P. Morgan
          Securities Inc. and Wachovia Securities, Inc. for all reasonable
          out-of-pocket expenses incurred by such parties in connection with
          this Amendment and Restatement, including the reasonable fees, charges
          and disbursements of Cravath, Swaine & Moore, counsel for the
          Administrative Agent.

                    SECTION 8. HEADINGS. The headings of this Amendment and
          Restatement are for purposes of reference only and shall not limit or
          otherwise affect the meaning hereof.

<PAGE>

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

                                     THE SHERWIN-WILLIAMS COMPANY,

                                       by
                                           /s/ Sean P. Hennessy
                                           ----------------------------------
                                           Name: Sean P. Hennessy
                                           Title: Senior Vice President-Finance
                                               and Chief Financial Officer

                                       by
                                           /s/ Cynthia D. Brogan
                                           -------------------------------------
                                           Name: Cynthia D. Brogan
                                           Title:Vice President and Treasurer

                                     JPMORGAN CHASE BANK, individually
                                     and as Administrative Agent and
                                     Competitive Advance Facility Agent,

                                       by
                                           /s/ Stacey Haimes
                                           -------------------------------------
                                           Name: Stacey Haimes
                                           Title: Vice President

                                     WACHOVIA BANK, NATIONAL
                                     ASSOCIATION,

                                       by
                                           /s/ Robert A. Brown
                                           -------------------------------------
                                           Name: Robert A. Brown
                                           Title: Director

                                     NATIONAL CITY BANK,

                                       by
                                           /s/ Robert S. Coleman
                                           -------------------------------------
                                           Name: Robert S. Coleman
                                           Title: Senior Vice President

<PAGE>

                                     THE BANK OF NEW YORK,

                                       by
                                           /s/ Kenneth R. McDonnell
                                           -------------------------------------
                                           Name: Kenneth R. McDonnell
                                           Title: Assistant Vice President

                                     CITIBANK, N.A.,

                                       by
                                           /s/ Richard M. Levin
                                           -------------------------------------
                                           Name: Richard M. Levin
                                           Title: Director

                                     SUNTRUST BANK,

                                       by
                                           /s/ William C. Humphries
                                           -------------------------------------
                                           Name: William C. Humphries
                                           Title: Director

                                     KEYBANK NATIONAL ASSOCIATION,

                                       by
                                           /s/ Marianne T. Meil
                                           -------------------------------------
                                           Name: Marianne T. Meil
                                           Title: Vice President

                                     BANK OF AMERICA,

                                       by
                                           /s/ Donald J. Chin
                                           -------------------------------------
                                           Name: Donald J. Chin
                                           Title: Managing Director

<PAGE>

                                     WELLS FARGO BANK, N.A.,

                                       by
                                           /s/ Mary D. Falck
                                           -------------------------------------
                                           Name: Mary D. Falck
                                           Title: Senior Vice President

                                       by

                                           /s/ Steven M. Buehler
                                           -------------------------------------
                                           Name: Steven M. Buehler
                                           Title: Vice President

                                     ABN AMRO BANK N.V.,

                                       by
                                           /s/ James S. Kreitler
                                           -------------------------------------
                                           Name: James S. Kreitler
                                           Title: Senior Vice President

                                       by
                                           /s/ Craig W. Trautwein
                                           -------------------------------------
                                           Name: Craig W. Trautwein
                                           Title: Vice President

                                     FIFTH THIRD BANK,

                                       by
                                           /s/ Roy C. Lanctot
                                           -------------------------------------
                                           Name: Roy C. Lanctot
                                           Title: Vice President

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