Document:

Letter Agreement amending Credit Agreement

 Exhibit 10.21 
 March 26, 2010 
 Bank of America, N.A., 

  as Administrative Agent for the Lenders 
 WAl-501-17-32 
 800 5th Avenue Floor 17 
 Seattle WA 98104 
  

	 	Re:	Credit Agreement dated as of February 25, 2010 among Diamond Foods, Inc., a Delaware corporation (the “Borrower”), each lender from time to time
party thereto (collectively, the “Lenders” and individually, a “Lender”) and Bank of America, N.A., as administrative agent (in such capacity, the “Administrative Agent”) (as amended, restated,
supplemented or otherwise modified from time to time, the “Credit Agreement”). All capitalized terms used but not otherwise defined herein shall have the meanings set forth in the Credit Agreement. 

Ladies and Gentlemen: 
 The
Borrower has consummated the Equity Issuance pursuant to that certain prospectus supplement filed with the SEC on or about March 8, 2010 (such Equity Issuance, the “March 2010 Equity Issuance”) with proceeds (net of the
underwriters’ discount) of the March 2010 Equity Issuance totaling approximately $181.4 million. The Borrower hereby requests that the Lenders agree to amend (A) the definition of “Excluded Issuance”, as set forth in
Section 1.01 of the Credit Agreement to specifically include the March 2010 Equity Issuance, (B) the definition of “foreign Security Documents”, as set forth in Section 1.01 of the Credit Agreement by inserting
“, any foreign guaranty agreements” after “charges,” (C) the definition of “Secured Hedge Agreement” as set forth in Section 1.01 of the Credit Agreement by inserting “, commodity Swap
Contract,” after “any interest rate Swap Contract” and (D) Section 7.02(c) of the Credit Agreement to permit investments by Foreign Subsidiaries in other Foreign Subsidiaries. 

Accordingly, upon execution of this letter agreement by the Required Lenders, and notwithstanding any provision of the Credit Agreement
or any other Loan Document to the contrary, you hereby agree that, effective as of February 25, 2010, the Credit Agreement is hereby amended as follows: (1) clause (c) of the definition of the “Excluded Issuance” in the
Credit Agreement is hereby amended and restated in its entirety to read “the Equity Issuance made pursuant to that certain prospectus supplement filed with the SEC on or about March 8, 2010”, (2) the definition of “Foreign
Security Documents” is hereby amended to insert “, any foreign guaranty agreements” after the word “charges,” (3) the definition of “Secured hedge Agreement” is hereby amended to insert “, commodity Swap
Contract,” after the phrase “any interest rate Swap Contract” and (4) the following new clause (v) is inserted at the end of Section 7.02(c): “and (v) Investments by any Foreign Subsidiary (that is not
a Loan Party) in any other Foreign Subsidiary”. 
 This letter agreement may be executed in counterparts with each counterpart constituting
an original and all of the counterparts, once executed, constituting but one original. Except as expressly provided herein, the Credit Agreement and the other Loan Documents shall remain unmodified and in full force and effect. This letter agreement
shall constitute a “Loan Document.” 
 [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] 

			
	DIAMOND FOODS, INC., as Borrower
		
	By:	 	 /s/ Steven M. Neil

	Name:	 	Steven M. Neil
	Title:	 	Executive Vice President, Chief Financial
		 	and Administrative Officer

  
 Diamond
Foods, Inc. 
 Amendment 
 Signature Pages 

			
	Accepted and Agreed:
	
	BANK OF AMERICA, N.A., as Administrative Agent
		
	By:	 	 /s/ Ken Puro

	Name:	 	Ken Puro
	Title:	 	Vice President

  
 Diamond
Foods, Inc. 
 Amendment 
 Signature Pages 

			
	Accepted and Agreed:
	
	BANK OF AMERICA, N.A., as Lender
		
	By:	 	 /s/ Ronald J. Drobny

	Name:	 	Ronald J. Drobny
	Title:	 	Senior Vice President

  
 Diamond
Foods, Inc. 
 Amendment 
 Signature Pages 

			
	BARCLAYS BANK, PLC, as a Lender
		
	By:	 	 /s/ Ritam Bhalla

	Name:	 	Ritam Bhalla
	Title:	 	Vice President

  
 Diamond
Foods, Inc. 
 Amendment 
 Signature Pages 

			
	COÖPERATIEVE CENTRALE RAIFFEISEN-
BOERENLEENBANK B.A. “RABOBANK
NEDERLAND” NEW YORK BRANCH, as a
Lender
		
	By:	 	 /s/ Deborah Dias

	Name:	 	Deborah Dias
	Title:	 	Executive Director
		
	By:	 	 /s/ Rebecca O. Morrow

	Name:	 	Rebecca O. Morrow
	Title:	 	Executive Director

  
 Diamond
Foods, Inc. 
 Amendment 
 Signature Pages 

			
	SUNTRUST BANK, as a Lender
		
	By:	 	 /s/ Gabe Bonfield

	Name:	 	Gabe Bonfield
	Title:	 	Vice President

  
 Diamond
Foods, Inc. 
 Amendment 
 Signature Pages 

			
	HSBC BANK, as a Lender
		
	By:	 	 /s/ Katherine Wolfe

	Name:	 	Katherine Wolfe
	Title:	 	Vice President

  
 Diamond
Foods, Inc. 
 Amendment 
 Signature Pages 

			
	COBANK, ACB, as a Lender
		
	By:	 	 /s/ Hal Nelson

	Name:	 	Hal Nelson
	Title:	 	Vice President

  
 Diamond
Foods, Inc. 
 Amendment 
 Signature Pages 

			
	BANK OF THE WEST, as a Lender
		
	By:	 	 /s/ Casey Garten

	Name:	 	Casey Garten
	Title:	 	Vice President

  
 Diamond
Foods, Inc. 
 Amendment 
 Signature Pages 

			
	KEYBANK NATIONAL ASSOCIATION, as a
Lender
		
	By:	 	 /s/ Marianne T. Meil

	Name:	 	Marianne T. Meil
	Title:	 	Sr. Vice President

  
 Diamond
Foods, Inc. 
 Amendment 
 Signature PagesWaiver and Fourth Amendment to Credit Agreement

 Exhibit 10.24 
 WAIVER AND FOURTH AMENDMENT TO CREDIT AGREEMENT 
 This WAIVER AND FOURTH AMENDMENT
TO CREDIT AGREEMENT (this “Agreement”) is made as of July 27, 2012 and entered into by and among Diamond Foods, Inc., (the “Borrower”), the Subsidiaries of the Borrower identified on the signature pages hereto
as guarantors (collectively, the “Guarantors”), Bank of America, N.A., as Administrative Agent (in such capacity, the “Administrative Agent”), and the lenders party hereto (collectively, the
“Lenders”). Capitalized terms used herein and not otherwise defined shall have the meanings ascribed thereto in the Credit Agreement (defined below). 
 RECITALS 
 A. The Loan Parties, the Lenders and the Administrative Agent
have entered into that certain Credit Agreement dated as of February 25, 2010 (as amended, restated, supplemented or otherwise modified, the “Credit Agreement”), pursuant to which the Lenders have agreed to make the Loans and
other extensions of credit, all upon the terms and conditions set forth in the Credit Agreement. 
 B. During the month of
January 2012, Kettle Foods Ltd. entered into a lease of certain equipment (the “Kettle UK Lease”), which lease is guaranteed by Diamond Foods, Inc. The Kettle UK Lease was initially classified as an operating lease for accounting
purposes. The Loan Parties and their advisors have since concluded that the Kettle UK Lease should have been classified as a capital lease. Kettle Foods Ltd. is a Subsidiary but not a Guarantor. 

C. Certain Events of Default have occurred and, in certain cases, are continuing as a result of the Kettle UK Lease. Specifically, Events
of Default may exist or have existed as a result of (i) the incurrence of a capital lease by a Subsidiary that is not a Loan Party, (ii) the Loan Parties’ exceeding of the aggregate amount of Indebtedness permitted under
Section 7.03(e) of the Credit Agreement for the fiscal quarter ended January 31, 2012 and the fiscal quarter ended April 30, 2012, (iii) the Loan Parties’ having made, or been deemed to make, representations regarding the
absence of Defaults notwithstanding the foregoing Defaults, and (iv) the Loan Parties’ failure to notify the Administrative Agent and the Lenders of the foregoing Defaults (collectively, the “Acknowledged Events of
Default”). 
 D. The Loan Parties have requested that the Required Lenders and the Administrative Agent permanently
waive the Acknowledged Events of Default and agree to certain amendments to the Credit Agreement. 
 E. The Required Lenders and
the Administrative Agent are willing to agree to such waiver and amendments subject to the terms and conditions set forth in this Agreement. 
 AGREEMENT 
 NOW, THEREFORE, in consideration of the foregoing, the parties
agree as follows: 
 1. Existing Defaults. Each of the Loan Parties acknowledges that the Acknowledged Events of Default
have occurred and are continuing. 
 2. Waiver. Subject to the other terms and conditions of this Agreement, the
Administrative Agent and the Required Lenders hereby permanently waive the Acknowledged Events of Default as well as the right to exercise any rights or remedies that the Administrative Agent or any Lender has or may have had exclusively with
respect thereto. This waiver is limited solely to the Acknowledged Events of Default, and nothing contained in this Agreement shall be deemed to constitute a waiver of any other rights or remedies the Administrative Agent or any Lender may have
under the Credit Agreement or any 

  
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other Loan Documents or under applicable law. Nothing herein shall modify or affect the obligations of the Loan Parties to comply with the terms of the Credit Agreement as amended hereby and the
other Loan Documents from and after the date hereof. 
 3. Amendments to the Credit Agreement. The Administrative Agent,
the Required Lenders and the Borrower agree to amend the Credit Agreement by: 
 (a) inserting the following
definitions in Section 1.01 in the appropriate alphabetical order: 
 “Fourth Amendment” means that
certain Waiver and Fourth Amendment to Credit Agreement by and among the Loan Parties, the Administrative Agent and the Lenders party thereto dated as of the Fourth Amendment Effective Date. 

“Fourth Amendment Effective Date” shall have the meaning given to such term in the Fourth Amendment. 

(b) replacing the words “Borrower or any Guarantor” in Section 7.03(e) with the words “Borrower or any
Subsidiary”. 
 4. Conditions Precedent. This Agreement shall become effective upon the date of satisfaction of each
of the following conditions (such date, the “Fourth Amendment Effective Date”): 
 (a) the
Administrative Agent shall have received duly executed counterparts of this Agreement from the Borrower, each of the Guarantors and Lenders constituting Required Lenders; and 

(b) the Administrative Agent shall have received a duly executed, corresponding amendment to and waiver under the Oaktree
Loan in form reasonably acceptable to the Administrative Agent. 
 5. Estoppel, Acknowledgement and Reaffirmation. Each
of the Loan Parties acknowledges and confirms that as of July 23, 2012, the aggregate principal amount of the Term Loan Facility was $220,000,000.00, the aggregate principal amount outstanding under the Revolving Credit Facility was
$204,800,000.00 (which amount includes the aggregate principal amount of $2,800,000.00 in respect of all Letters of Credit), and the aggregate principal amount of the Swing Line Loan was $0.00, which amounts constitute valid and subsisting
obligations of the Loan Parties to the Lenders that are not subject to any credits, offsets, defenses, claims, counterclaims or adjustments of any kind. The Borrower hereby (i) acknowledges its obligations under the Loan Documents,
(ii) reaffirms that each of the Liens created and granted pursuant to the Loan Documents is valid, subsisting, perfected and of the priority required pursuant to the Loan Documents and (iii) acknowledges that this Agreement shall in no
manner impair or otherwise adversely affect such Liens. 
 6. Representations and Warranties. Each Loan Party hereby
represents and warrants to the Administrative Agent and the Lenders that (a) each Loan Party has the legal power and authority to execute and deliver this Agreement; (b) the officers of each Loan Party executing this Agreement have been
duly authorized to execute and deliver the same and bind each Loan Party with respect to the provisions hereof; (c) the execution and delivery hereof by each Loan Party and the performance and observance by each Loan Party of the provisions
hereof do not violate or conflict with any organizational document of any Loan Party or any law applicable to any Loan Party or result in a breach of any provision of or constitute a default under any other agreement, instrument or document binding
upon or 

  
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enforceable against any Loan Party; (d) Wimbledon Acquisition LLC and Diamond Foods Brazil Holding LLC are Subsidiaries of the Borrower that do not constitute Material Subsidiaries;
(e) except with respect to the Acknowledged Events of Default, no Default or Event of Default exists under the Credit Agreement, nor will any occur immediately after the execution and delivery of this Agreement or by the performance or
observance of any provision hereof; (f) no Loan Party is aware of any claim or offset against, or defense or counterclaim to, any Loan Party’s obligations or liabilities under the Credit Agreement or any other Loan Document; (g) this
Agreement and each document executed by each Loan Party in connection herewith constitute valid and binding obligations of the applicable Loan Party in every respect, enforceable in accordance with their terms; and (h) all representations and
warranties made by such Loan Party and contained in this Agreement or any other Loan Document to which it is a party are true and correct in all material respects (other than such representations and warranties that are untrue or otherwise
inaccurate solely and directly as a result of the Acknowledged Events of Default) on and as of the date of this Agreement to the same extent as though made on and as of such date, except to the extent that any thereof expressly relate to an earlier
date. 
 7. Further Assurances. Each of the parties hereto agrees to execute and deliver, or to cause to be executed and
delivered, all such instruments as may reasonably be requested to effectuate the intent and purposes, and to carry out the terms, of this Agreement. 
 8. Release. Each Loan Party hereby waives and releases the Administrative Agent and the Lenders and their respective directors, officers, employees, agents, attorneys, affiliates and subsidiaries
(each a “Releasee”) from any and all claims, offsets, defenses and counterclaims, known and unknown, that any Loan Party may have as of the date of this Agreement based upon, relating to, or arising out of the Obligations and
related transactions in any way. Each Loan Party intends the foregoing release to cover, encompass, release and extinguish, among other things, all claims and matters that might otherwise be reserved by California Civil Code Section 1542, which
provides as follows: 
 “A general release does not extend to claims which the creditor does not know or suspect to exist in
his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.” 
 Notwithstanding the foregoing, this Section 8 shall not constitute a release of the performance by the Administrative Agent or any Lender after the date hereof of their respective express obligations
under the Loan Documents. 
 9. Covenant Not to Sue. Each Loan Party, on behalf of itself and its successors, assigns,
and other legal representatives, hereby absolutely, unconditionally and irrevocably, covenants and agrees with and in favor of each Releasee that it will not sue (at law, in equity, in any regulatory proceeding or otherwise) any Releasee on the
basis of any claim released, remised and discharged by such Loan Party pursuant to Section 8 above. If any Loan Party or any of its successors, assigns or other legal representations violates the foregoing covenant, such Loan Party, for
itself and its successors, assigns and legal representatives, agrees to pay, in addition to such other damages as any Releasee may sustain as a result of such violation, all attorneys’ fees and costs incurred by any Releasee as a result of such
violation. 
 10. Payment of Fees and Expenses. The Loan Parties shall reimburse the Administrative Agent and each Lender
for all fees and expenses of the Administrative Agent and each Lender, in accordance with the terms and conditions of the Credit Agreement, (including without limitation, all reasonable fees and expenses of counsel to the Administrative Agent and
counsel to each Lender) incurred in connection with the Loan Documents, including without limitation this Agreement. 

  
 3 

 11. Loan Documents Unaffected. Except as otherwise specifically provided herein, all
provisions of the Credit Agreement and the other Loan Documents shall remain in full force and effect and be unaffected hereby. The parties hereto acknowledge and agree that this Agreement constitutes a “Loan Document” under the terms of
the Credit Agreement. 
 12. No Other Promises or Inducements. There are no promises or inducements that have been made
to any party hereto to cause such party to enter into this Agreement other than those that are set forth in this Agreement. This Agreement has been entered into by the Borrower and each Guarantor freely, voluntarily, with full knowledge, and without
duress, and, in executing this Agreement, neither the Borrower nor any Guarantor is relying on any other representations, either written or oral, express or implied, made to the Borrower or any Guarantor by the Administrative Agent. The Borrower and
each Guarantor agrees that the consideration received by the Borrowers under this Agreement has been actual and adequate. 
 13.
No Course of Dealing. Each Loan Party acknowledges and agrees that, (a) this Agreement is not intended to, nor shall it, establish any course of dealing between the Loan Parties, the Administrative Agent and the Lenders that is
inconsistent with the express terms of the Credit Agreement or any other Loan Document, (b) notwithstanding any course of dealing between the Loan Parties, the Administrative Agent and the Lenders prior to the date hereof, except as set forth
herein, the Lenders shall not be obligated to make any Loan, except in accordance with the terms and conditions of this Agreement and the Credit Agreement, and (c) except with respect to the Acknowledged Events of Default, neither the
Administrative Agent nor any Lender shall be under any obligation to forbear from exercising any of its rights or remedies upon the occurrence of any Default or Event of Default. Nothing herein modifies the agreements among the Administrative Agent
and the Lenders with respect to the exercise of their respective rights and remedies under the terms of the Credit Agreement. 

14. No Waiver of Rights. No waiver shall be deemed to be made by any party hereunder of any of its rights hereunder unless the
same shall be in writing signed on behalf of such party. 
 15. Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK. 
 16. Entire Agreement. This Agreement sets forth the
entire agreement and understanding among the parties as to the subject matter hereof and merges and supersedes all prior discussions, agreements, and undertakings of every kind and nature among them with respect to the subject matter hereof.

 17. Counterparts. This Agreement may be executed in any number of counterparts, and by the parties hereto on the same
or separate counterparts and by facsimile signature, and each such counterpart, when executed and delivered, shall be deemed to be an original, but all such counterparts shall together constitute but one and the same Agreement. 

18. Severability Of Provisions; Captions; Attachments. Wherever possible each provision of this Agreement shall be interpreted in
such manner as to be effective and valid under applicable law. Any provision of this Agreement that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions hereof or affecting the validity or enforceability of such provision in any other jurisdiction. The captions to Sections and subsections herein are inserted for convenience only and
shall be ignored in interpreting the provisions of this Agreement. 

  
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 19. JURY TRIAL WAIVER. EACH OF THE UNDERSIGNED, TO THE EXTENT PERMITTED BY LAW,
HEREBY WAIVE ANY RIGHT TO HAVE A JURY PARTICIPATE IN RESOLVING ANY DISPUTE WHETHER SOUNDING IN CONTRACT, TORT, OR OTHERWISE, AMONG THEM, OR ANY OF THEM, ARISING OUT OF, IN CONNECTION WITH, RELATED TO OR INCIDENTAL TO THE RELATIONSHIP ESTABLISHED
AMONG THEM IN CONNECTION WITH THIS AGREEMENT OR ANY DOCUMENT EXECUTED OR DELIVERED IN CONNECTION HEREWITH OR THE TRANSACTIONS RELATED THERETO. 
 [Signature pages follow.] 

  
 5 

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

									
	BORROWER:	 		 	DIAMOND FOODS, INC.
				
		 		 	By:	 	 /s/ Brian J. Driscoll

		 		 		 	Name:	 	  

		 		 		 	Title:	 	  

			
	GUARANTORS:	 		 	KETTLE FOODS HOLDINGS, INC.
				
		 		 	By:	 	 /s/ Brian J. Driscoll

		 		 		 	Name:	 	  

		 		 		 	Title:	 	  

			
		 		 	KETTLE FOODS, INC.
				
		 		 	By:	 	 /s/ Brian J. Driscoll

		 		 		 	Name:	 	  

		 		 		 	Title:	 	  

			
		 		 	DFKA, LTD.
				
		 		 	By:	 	 /s/ Brian J. Driscoll

		 		 		 	Name:	 	  

		 		 		 	Title:	 	  

			
		 		 	LION/STOVE LUXEMBOURG INVESTMENT 2 S.A.R.L.
				
		 		 	By:	 	 /s/ Brian J. Driscoll

		 		 		 	Name:	 	  

		 		 		 	Title:	 	  

			
		 		 	DFKA HOLDINGS LIMITED (F/K/A LION/STOVE HOLDINGS, LIMITED)
				
		 		 	By:	 	 /s/ Brian J. Driscoll

		 		 		 	Name:	 	  

		 		 		 	Title:	 	  

  

WAIVER AND FOURTH AMENDMENT TO CREDIT AGREEMENT 

 
			
	BANK OF AMERICA, N.A.,
	as Administrative Agent
		
	By:	 	 /s/ Ken Puro

		 	Name: Ken Puro
		 	Title: Vice President

  

WAIVER AND FOURTH AMENDMENT TO CREDIT AGREEMENT 

 
					
	BANK OF AMERICA, N.A.,
	as L/C Issuer and a Lender
		
	By:	 	 /s/ Thomas E. Brown

		 	Name:	 	Thomas E. Brown
		 	Title:	 	Senior Vice President
	
	 BANK OF THE WEST,

as a Lender

		
	By:	 	 /s/ Casey Garten

		 	Name:	 	 Casey Garten

		 	Title:	 	 Senior Vice President

	
	BANK OF MONTREAL, as a Lender
		
	By:	 	 /s/ Katherine K. Robinson

		 	Name:	 	 Katherine K. Robinson

		 	Title:	 	 Vice President

	
	 CoBank, ACB,
 as a
Lender

		
	By:	 	 /s/ Ronald P. Seigley

		 	Name:	 	 Ronald P. Seigley

		 	Title:	 	 Senior Vice President

	
	 COOPERATIEVE CENTRALE RAIFFEISEN-BOERENLEENBANK B.A. “RABOBANK NEDERLAND”, NEW YORK BRANCH,

as a Lender

		
	By:	 	 /s/ Benjamin Matz

		 	Name:	 	 Benjamin Matz

		 	Title:	 	 Vice President

	
	Barclays Bank PLC as a Lender
		
	By:	 	 /s/ Ronnie Glenn

		 	Name:	 	 Ronnie Glenn

		 	Title:	 	 Vice President

  

WAIVER AND FOURTH AMENDMENT TO CREDIT AGREEMENT 

 
					
	JPMorgan Chase Bank, N.A
		
	By:	 	 /s/ Alex Rogin

		 	Name:	 	 Alex Rogin

		 	Title:	 	 Vice President

	
	 Bank Leumi USA,
 as
a Lender

		
	By:	 	 /s/ Joung Hee Hong

		 	Name:	 	 Joung Hee Hong

		 	Title:	 	 First Vice President

	
	 COMPASS BANK,
 as a
Lender

		
	By:	 	 /s/ Mark Sunderland

		 	Name:	 	 Mark Sunderland

		 	Title:	 	 Senior Vice President

	
	 HSBC Bank USA, N.A.

as a Lender

		
	By:	 	 /s/ Stephen M. Ellsworth

		 	Name:	 	 Stephen M. Ellsworth

		 	Title:	 	 Vice President

	
	 FARM CREDIT SERVICES OF AMERICA, PCA,
 as a Lender

		
	By:	 	 /s/ Brian Frevert

		 	Name:	 	 Brian Frevert

		 	Title:	 	 Vice President

	
	 UNITED FCS, PCA D/B/A FCS COMMERCIAL FINANCE GROUP,
 as a Lender

		
	By:	 	 /s/ Daniel J. Best

		 	Name:	 	 Daniel J. Best

		 	Title:	 	 Vice President

  

WAIVER AND FOURTH AMENDMENT TO CREDIT AGREEMENT 

 
					
	GreenStone Farm Credit Services. ACA/FLCA,
	as a Lender
		
	By:	 	 /s/ Jeff Pavlik

		 	Name:	 	 Jeff Pavlik

		 	Title:	 	 Vice President

	
	 1st Farm Credit Services, PCA,
 as a Lender

		
	By:	 	 /s/ Corey J. Waldinger

		 	Name:	 	 Corey J. Waldinger

		 	Title:	 	 Vice President, Capital Markets

	
	 FARM CREDIT WEST, PCA,
 as a Lender

		
	By:	 	 /s/ Ben Madonna

		 	Name:	 	 Ben Madonna

		 	Title:	 	 Vice President

	
	 Northwest Farm Credit Services,
 as a Lender

		
	By:	 	 /s/ Brandon Stacey

		 	Name:	 	 Brandon Stacey

		 	Title:	 	 VP - Credit

  

WAIVER AND FOURTH AMENDMENT TO CREDIT AGREEMENT

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