Document:

exv10w1

Exhibit 10.1

EMPLOYMENT AGREEMENT

This Agreement is entered into effective as of April 30, 2010, by and between James L. Lipscomb,
having an address at P.O. Box 494, Purchase, New York (herein referred to as “you” or “your”) and
MetLife, Inc., a Delaware corporation, (herein referred to as “MetLife, Inc.” or “we”) having an
address at 1095 Avenue of the Americas, on the following terms and conditions:

In order to effectively provide for a smooth and orderly transition on all matters to your
successor General Counsel and executive officer in charge of Legal Affairs, we are proposing that
your employment with MetLife Group, Inc. continue on the following terms.

I. Assignment Duration: May 1, 2010 through February 28, 2011. Each of the terms described
below will apply during the Assignment Duration. Your employment with MetLife Group, Inc. will
end at the conclusion of this period, or earlier in the event of your death.

II. Responsibilities:

At the request of the Chief Executive Officer (CEO) or General Counsel (GC) of MetLife,
Inc., you will provide information and advice to the CEO, GC or other MetLife
management regarding the following matters or others as reasonably requested by the CEO or GC:

	 	•	 	MetLife Legal Affairs employees or outside counsel:

a      performance;

b      roles and responsibilities;

c      organizational structure; or

d      any other aspect of these matters;

	 	•	 	Present or past MetLife legal matters, such as litigation, regulatory
applications or inquiries, legislative affairs, and matters related to the terms,
closing, and integration of any mergers and acquisition transactions; and
	 
	 	•	 	MetLife’s relationships with regulators or other government officers, bodies,
or agencies.

It is understood by both parties that your performance expectations are as set forth above. It
is further understood by the parties that from time to time it may not be practical for you be
present at a MetLife office to perform these Responsibilities and that in those cases verbal
contact will be sufficient.

II. Reporting Relationships and Non-Officer Status:

In accepting this new position, you will continue to report directly to the CEO (or otherwise as he
directs). You will no longer be a member of the Executive Group or an officer or director of
MetLife, Inc., Metropolitan Life Insurance Company, MetLife Group, Inc. or any other affiliate of
MetLife, Inc. (together, for purpose of each use of the term in this letter, “MetLife”), or a
trustee or fiduciary of any trust or benefit plan associated with MetLife, or a representative of
MetLife on any committees or other associations. As such your resignation from each such position
you held as of April 30, 2010 will be effective April 30, 2010.

 

 

Your title will immediately be “Special Counsel.” You will continue to serve as an attorney for
MetLife, with attendant duties of loyalty and confidentiality. MetLife, Inc. will indemnify and
hold you harmless from any and all claims arising out of or in connection with any service or
advice that you provide in connection with this agreement, including but not limited to attorneys
fees and costs, to the same extent as it indemnifies and holds harmless its officers under its
bylaws.

MetLife will make administrative support, including a secretary, available to you when and as
needed to perform your MetLife duties.

MetLife will provide you the use a MetLife car and driver when and as needed to perform your
MetLife duties. Your administrative assistant should schedule any such use.

Any of your MetLife businesses expenses will continue to be submitted for approval under
MetLife’s normal expense reimbursement policies through MetLife’s Chief Accounting Officer.

Your MetLife e-mail account and phone number will continue, subject to the same MetLife’s
technology policies as applicable to other employees.

MetLife will provide you visitor office space at MetLife’s New York office for your use to perform
your MetLife duties. In order to use this space, you will inform your administrative assistant 24
hours in advance (or, for use the day after a non-business day, by the morning of the prior
business day). When not in use by you, the space may be made available to other employees.

You will work in MetLife’s New York office to the extent the GC or CEO reasonably request from
time to time. On other occasions, we will provide you the opportunity to work from another
MetLife office location or to work from your residence if you so desire. We will provide 24 hour
advance notice of any requirement for you to work at a MetLife office and provide transportation
to and from that office. Any advice or service required of you at a MetLife office under this
Agreement will be by appointment in order to allow for coordination of schedules between the
parties.

You will not be employed by, serve as an officer of, or provide services in any capacity to any
employer or business entity other than MetLife. You may, however, serve non-profit charities in
any capacity or serve as an independent, non-employee director of a business or non-profit
charity.

The use of MetLife space at 200 Park Avenue for organizations you are a member of will continue to
be available to you. You will provide advance notice and reservations for use of the space.

III. Remuneration:

Your employment at MetLife will continue at the annual base salary rate of $510,000 (less
applicable withholding for taxes and other required items).

Assuming that you remain employed through February 28, 2010, you will be eligible to receive annual
cash and long-term stock-based incentive awards in February 2011 at the discretion of the

2

 

MetLife, Inc. Compensation Committee (the “Committee”). Assuming also that you meet or exceed the
CEO’s reasonable performance expectations during the Assignment Duration, determined by him in good
faith, and all aspects of MetLife’s financial performance are at least at the level called for by
MetLife, Inc.’ s 2010 business plan (which determination shall be made in February, 2011), MetLife
management will recommend to the MetLife, Inc. Compensation Committee that you be paid an annual
cash incentive award of $1.5 million and long-term stock-based awards with a compensation valuation
of approximately $2.3 million (less withholding for taxes and other required items) in February,
2011, using the same compensation valuation methodology to determine the number of stock options
and/ or performance shares as is used for MetLife, Inc. executives’ awards generally in February
2011.

While you remain an employee of MetLife Group, Inc., you will be eligible for employee benefits
subject to the terms of the applicable MetLife employee benefit plans.

This letter includes all of the terms of your employment during the Assignment Duration, and no
other agreements, promises, or statements, oral or written, will survive or apply. The terms
of this letter will be governed by New York law without regard to choice of law principles. In
the event that any of the terms of this letter are held invalid or unenforceable, the rest of
the terms of this letter will remain valid and enforceable. This letter can not be amended
except by a written document signed by you and an officer of MetLife, Inc.

This Agreement is subject to review by the MetLife, Inc. Compensation Committee (the
“Committee”), and the Committee’s approval is a condition of its continuing in effect on and
after July 31, 2010.

IN WITNESS WHEREOF, the parties have executed this Agreement as the date first written above.

MetLife, Inc.

	 	 	 	 	 	 	 	 	 

	By:

	 	/s/ Kathleen A. Henkel
 

Kathleen A. Henkel
	 	 
	 	/s/ James L. Lipscomb
 

James L. Lipscomb
	 	 
	 

	 	Executive Vice President

Human Resources	 	 	 	 	 	 

3exv10w1

Exhibit 10.1

AGREEMENT AND AMENDMENT NO. 2

     THIS AGREEMENT AND AMENDMENT NO. 2 (this “Amendment”) is made as of July 28, 2010 by
and among TIMEPAYMENT CORP., a Delaware corporation (the “Borrower”), SOVEREIGN BANK, as a
Lender and as agent, and the other Lenders party hereto.

     WHEREAS, certain of the parties hereto are parties to a certain Amended and Restated Credit
Agreement, dated as of July 9, 2008, as previously amended (as amended, supplemented, or restated
from time to time, the “Credit Agreement”); terms defined in the Credit Agreement are used
herein with the same meanings;

     WHEREAS, the Borrower has requested that the Maturity Date under the Credit Agreement be
extended and that the Lenders make certain other amendments to the Credit Agreement, and the
Lenders are willing to do so on the terms and conditions hereafter set forth;

     WHEREAS, TD Bank N.A., a party to the Credit Agreement, wishes to assign its entire Commitment
to Berkshire Bank and Sovereign Bank pursuant to an Assignment and Joinder Agreement (the
“Assignment”) dated as of the date hereof; and

     WHEREAS, simultaneously with the execution of this Amendment, Berkshire Bank is becoming a
Lender under the Credit Agreement.

     NOW, THEREFORE, in consideration of the premises and for other good and valuable
consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto agree
as follows:

     1. Amendments to the Credit Agreement.

          (a) The defined terms “Interest Period”, “Majority Lenders”, “Maturity Date”, “Special Purpose
Subsidiary” and “Total Commitment” set forth in Section 1.1 of the Credit Agreement are hereby
amended and restated to read in their entirety as follows:

     “Interest Period. With respect to each LIBOR Loan, the period commencing on the date
of the making or continuation of or conversion to such LIBOR Loan and ending one (1), two (2),
three (3) or six (6) months thereafter, as the Borrower may elect in the applicable Notice of
Borrowing or Conversion; provided that:

     (i) any Interest Period (other than an Interest Period determined pursuant to clause
(iii) below) that would otherwise end on a day that is not a Business Day shall be extended
to the next succeeding Business Day unless such Business Day falls in the next calendar
month, in which case such Interest Period shall end on the immediately preceding Business
Day;

     (ii) any Interest Period that begins on the last Business Day of a calendar month (or
on a day for which there is no numerically corresponding day in the calendar month at the
end of such Interest Period) shall, subject to clause (iii) below, end on the last Business
Day of a calendar month;

  

 

     (iii) no Interest Period shall end after the Maturity Date; and

     (iv) notwithstanding clause (iii) above, no Interest Period shall have a duration of
less than one month, and if any Interest Period applicable to a Loan would be for a shorter
period, such Interest Period shall not be available hereunder.

     Maturity Date. August 2, 2013.

     Majority Lenders. As of any date, three (3) or more Lenders holding more than fifty
one percent (51%) of the aggregate outstanding principal amount of Loans on such date; and if no
such principal is outstanding, three (3) or more Lenders holding more than fifty one percent (51%)
of the total Commitments.

     Special Purpose Subsidiary. A Subsidiary of the Parent or any of its Subsidiaries,
including the Borrower, that is a special purpose corporation organized in connection with a
securitization and/or sale and financing of Leases and related Equipment and Receivables of the
Borrower or either Guarantor, none of the assets of which constitutes any part of the Collateral
after giving effect to the release of the Lenders’ Encumbrances on Collateral contemplated by
Section 9 of the Borrower Security Agreement.

     Total Commitment. The sum of the Commitments of the Lenders as in effect from time to
time, which as of the Closing Date shall be $100,000,000 and which may be any lesser amount,
including zero, resulting from a termination or reduction of such amount in accordance with
Sections 2.1 and 8.2, and which amount may be increased in accordance with section 2.1(f).”

          (b) Section 1.1 of the Credit Agreement is hereby amended to add the following new
definitions, to be inserted in the appropriate place in alphabetical order:

     “Conversion Term Loan. See Section 2.7(e).

     “Conversion Term Loan Maturity Date. February 2, 2014.”

          (c) Section 2.1(f) of the Credit Agreement is hereby amended and restated in its entirety to
read as follows:

     “(f) The Total Commitment may be increased as provided in this Section 2.1(f) if such
proposed increase is approved in advance by the Agent in its sole discretion and if the other
conditions set forth below are satisfied:

     (i) The Borrower may (A) request any of one or more of the Lenders to increase the
amount of its Commitment (which request shall be in writing and sent to the Agent to forward
to such Lender) and/or (B) request the Agent to use its commercially reasonable efforts to
arrange for any of one or more banks or financial institutions not a party hereto (a
“New Lender”) to become a party to and a Lender under this Agreement,
provided that in no event shall the amount of the Total Commitment as increased
pursuant to this Section 2.1(f) exceed $120,000,000, and provided, further,
that the identification and arrangement of any New Lender to become a party hereto and a
Lender

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under this Agreement shall be made by the Agent after consultation with the Borrower. In no
event may any Lender’s Commitment be increased without the prior written consent of such
Lender, and the failure of any Lender to respond to the Borrower’s request for an increase
within fifteen Business Days after written notice thereof shall be deemed a rejection by
such Lender of the Borrower’s request. The Total Commitment may not be increased if, at the
time of any proposed increase hereunder, a Default has occurred and is continuing. Any
request by the Borrower to increase the Total Commitment shall be deemed to be a
representation and warranty on and as of the date of such request and giving effect to such
increase that no Default has occurred and is continuing. Notwithstanding anything contained
in this Agreement to the contrary, no Lender shall have any obligation whatsoever to
increase the amount of its Commitment, and each Lender may at its option, unconditionally
and without cause, decline to increase its Commitment.”

          (d) Section 2.5(a) of the Credit Agreement is hereby amended and restated in its entirety to
read as follows:

“(a) Each Revolving Credit Loan which is a Base Rate Loan shall bear
interest on the outstanding principal amount thereof at a rate per annum
equal to the Base Rate plus one and one quarter percent (1.25%) per annum,
and the Conversion Term Loan, if it is a Base Rate Loan, shall bear interest
on the outstanding principal amount thereof at a rate per annum equal to the
Base Rate plus one and three quarters percent (1.75%) per annum, which rates
shall change contemporaneously with any change in the Base Rate. Such
interest shall be payable monthly in arrears on the first Business Day of
each month.”

          (e) Section 2.5(b) of the Credit Agreement is hereby amended and restated in its entirety to
read as follows:

“(b) Each Revolving Credit Loan which is a LIBOR Loan shall bear interest on
the outstanding principal amount thereof, for each Interest Period
applicable thereto, at a rate per annum equal to the LIBOR Rate plus three
and one quarter percent (3.25%) per annum, and the Conversion Term Loan, if
it is a LIBOR Loan, shall bear interest on the outstanding principal amount
thereof, for each Interest Period applicable thereto, at a rate per annum
equal to the LIBOR Rate plus three and three quarters percent (3.75%) per
annum. Such interest shall be payable monthly in arrears on the first
Business Day of each month.

          (f) Section 2.6(b) is hereby amended and restated in its entirety to read as follows:

“(b) [Intentionally Omitted].”

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          (g) Section 2.7 of the Credit Agreement is hereby amended to add the following new
subparagraph (e) at the end thereof:

“(e) If, prior to 30 days before the Maturity Date, the Lenders shall not
have offered to extend such date and if no Default shall have occurred and
be continuing, then at the option of the Borrower the unpaid principal
balance of the Revolving Credit Loans shall be converted into a term loan
(the “Conversion Term Loan”) which shall be payable in five (5)
consecutive monthly installments each equal to 1/36th of the
original principal amount of the Conversion Term Loan, payable on the first
Business Day of each calendar month, commencing with the first day of the
month following the Maturity Date, with the unpaid principal balance of the
Conversion Term Loan, together with all unpaid interest thereon and all fees
and other amounts due with respect thereto, due and payable in full on the
Conversion Term Loan Maturity Date. If, prior to 30 days before the
Maturity Date, the Lenders shall have offered to extend the Maturity Date
but the Borrower shall not have agreed to such extension or if any Default
shall have occurred and be continuing on such date, then notwithstanding the
existence of any LIBOR Loan and notwithstanding any other provision of the
Loan Documents, the Borrower shall pay in full on the Maturity Date the
unpaid principal balance of the Revolving Credit Loans, together with all
unpaid interest thereon and all fees and other amounts due with respect
thereto.”

     (h) Section 5.5 of the Credit Agreement is hereby amended and restated in its entirety
to read as follows:

     5.5 Inspection. The Borrower shall permit the Agent, any Lender
and their designees, at any reasonable time and at reasonable intervals of
time, and upon reasonable notice (or if a Default shall have occurred and is
continuing, at any time and without prior notice), to (i) visit and inspect
the properties of the Borrower and its Subsidiaries, (ii) examine and make
copies of and take abstracts from the books and records of the Borrower and
its Subsidiaries, and (iii) discuss the affairs, finances and accounts of
the Borrower and its Subsidiaries with their appropriate officers, employees
and independent accountants, all at the reasonable expense of the Borrower;
provided that unless an Event of Default has occurred and is
continuing (x) such inspections and visits will not exceed three (3) times
per year, (y) the reimbursable expenses payable by the Borrower under this
Section 5.5 shall be limited to those incurred by the Agent, and (z) such
reimbursable expenses shall not exceed exam fees of $850 per examiner per
exam day, plus out-of-pocket expenses. Without limiting the generality of
the foregoing, the Borrower will permit periodic reviews (as determined by
the Agent) of the books and records of the Borrower and its Subsidiaries to
be carried out at the Borrower’s expense by commercial finance examiners
(whether employed by the Agent or by third parties) designated by the Agent.
The Borrower shall also permit the

 - 4 - 

 

Agent to arrange for verification of Eligible Lease Receivables, under
reasonable procedures, directly with any account debtors or by other
methods. The Agent will make commercially reasonable efforts to minimize
its examination expenses under this Section 5.5.”

     (i) Section VI of the Credit Agreement is hereby amended and restated in its entirety
to read as follows:

“SECTION VI

FINANCIAL COVENANTS

     The Borrower covenants that so long as any Loan or other Obligation remains outstanding or the
Lenders have any obligation to make any Loan hereunder:

     6.1 Interest Coverage. The Borrower shall not permit the ratio of Consolidated EBIT
to Consolidated Interest Expense for any fiscal quarter (taken as a single quarter) to be less than
1.40:1.00 as of the end of any such fiscal quarter.

     6.2 Consolidated Tangible Capital Base. The Borrower shall not permit Consolidated
Tangible Capital Base at any time to be less than (a) $60,696,000 as of June 30, 2010 and (b)
during each fiscal quarter ending after June 30, 2010, an amount equal to (i) the amount of
Consolidated Tangible Capital Base required to be maintained as of the end of the preceding fiscal
quarter, plus (ii) the greater of (x) fifty percent (50%) of Consolidated Net Income for
the current fiscal quarter being measured, and (y) one hundred percent (100%) of equity capital
received by the Parent during the current fiscal quarter being measured (for purposes of this
clause (ii), only positive Consolidated Net Income shall be included and any net losses shall be
disregarded).

     6.3 Leverage Ratio. The Borrower shall not permit the Leverage Ratio at any time to
exceed 4:00 to 1.00.

     6.4 Asset Quality. The Borrower shall not at any time permit the amount of
Receivables over 90 days past due to exceed 18.75% of Gross Lease Installments.”

          (j) Section 7.4 of the Credit Agreement is hereby amended and restated to read in its entirety
as follows:

     “7.4 Merger; Sale or Lease of Assets; Liquidation. Neither the Borrower nor any of
its Subsidiaries shall liquidate, merge or consolidate into or with any other person or entity, or
sell, lease or otherwise dispose of any assets or properties, other than

          (a) the disposition of scrap, waste and obsolete or unusable items and Qualified Investments,
in each case in the ordinary course of business;

          (b) Permitted Acquisitions;

 - 5 - 

 

          (c) sales of Leases and related Equipment and Receivables to a Special Purpose Subsidiary if
all of the following conditions are satisfied:

     (i) the Borrower shall have given written notice to the Agent at least thirty
(30) days prior to such sale;

     (ii) immediately prior to such sale and after giving effect thereto no Default
shall have occurred and be continuing;

     (iii) the credit quality of the Eligible Receivables after giving effect to
such sale shall be at least as good as before giving effect to such sale as
determined by the Agent, including, without limitation, by reference to the Credit
Scoring System;

     (iv) copies of all documents relating to such sale and any other documents or
information (financial or otherwise) reasonably requested by the Agent shall have
been delivered to the Agent as and when requested;

     (v) one hundred percent (100%) of the proceeds of any such sale shall be
applied to the repayment of the Obligations; and

     (vi) all such sales shall be without recourse to the Borrower and its
Subsidiaries.”

     (k) Section 11.11 of the Credit Agreement is hereby amended and restated to read in its
entirety as follows:

     “11.11 Entire Agreement, Etc. The Loan Documents and any other
documents executed in connection herewith or therewith express the entire
understanding of the parties with respect to the transactions contemplated hereby
and supersede all prior agreements (including the outline of general terms of the
financing arrangement dated April 4, 2007 between Agent and the Borrower) with
respect to the subject matter hereof, except for the letter agreement dated July 28,
2010, between the Borrower and the Agent with respect to fees payable to the Agent,
which letter agreement shall continue in full force and effect and shall not be
superseded by any of the Loan Documents.”

     (l) Schedule 1 of the Credit Agreement is hereby amended and restated to read in its entirety
as Schedule 1 attached to this Amendment.

     2. Effective Date. This Amendment shall become effective as of the date first set
forth upon satisfaction of the following conditions:

          (a) the Agent shall have received the following agreements, documents, certificates and
opinions in form and substance satisfactory to the Agent and duly executed and delivered to the
parties thereto:

     (i) this Amendment;

 - 6 - 

 

          (ii) The Notes, substantially in the form of Exhibit A to the Credit Agreement;

          (iii) reaffirmation of the Pledge Agreement, and reaffirmations of the Affiliate
Guarantees;

          (iv) A certificate of the Secretary or an Assistant Secretary of the Borrower and each
Guarantor with respect to resolutions of the Board of Directors authorizing the execution
and delivery of the Loan Documents to which such Person is a party and identifying the
officer(s) authorized to execute, deliver and take all other actions required the Loan
Documents to which such Person is a party, and providing specimen signatures of such
officers;

          (v) To the extent modified since July 9, 2008, the Certificate of Incorporation of the
Borrower and each Guarantor and all amendments and supplements thereto, as filed in the
office of the Secretary of State of such Person’s jurisdiction of incorporation, certified
by said Secretary of State as being a true and correct copy thereof, or, if not so modified,
a certificate of the Secretary or Assistant Secretary of such Person certifying to such
effect;

          (vi) To the extent modified since July 9, 2008, the Bylaws of the Borrower and each
Guarantor and all amendments and supplements thereto, certified by the Secretary or an
Assistant Secretary of such Person as being a true and correct copy thereof, or, if not so
modified, a certificate of the Secretary or Assistant Secretary of such Person certifying to
such effect;

          (vii) A certificate of the Secretary of State of the Borrower’s and each Guarantor’s
jurisdiction of incorporation as to legal existence and good standing of such Person in such
state;

          (viii) An opinion addressed to the Lenders from Edwards Angell Palmer & Dodge LLP,
counsel to the Borrower;

          (ix) A certificate of a Responsible Officer of the Borrower as to the solvency of the
Borrower, the accuracy of the Borrower’s representations and warranties, the satisfaction of
the conditions contained in this Section 2 and such other matters as the Agent may request;
and

          (x) Such other documents, agreements, instruments, opinions and certificates and
completion of such other matters, as the Agent may reasonably deem necessary or appropriate.

          (b) No litigation, arbitration, proceeding or investigation shall be pending or threatened
which questions the validity or legality of the transactions contemplated by any Loan Document or
seeks a restraining order, injunction or damages in connection therewith, or which,

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in the judgment of the Agent, might adversely affect the transactions contemplated hereby or might
have a Material Adverse Effect.

          (c) The Borrower shall have paid to the Agent all fees to be paid (including pursuant to
Section 2.6(c) of the Credit Agreement) on or prior to the date hereof.

          (d) As of the date hereof, the lesser of (i) the Borrowing Base and (ii) the Total Commitment
exceed Total Outstandings by at least $10,000,000.

     3. Representations. The Borrower represents and warrants to the Agent and the Lenders
as follows:

          (a) the representations and warranties contained in Section IV of the Credit Agreement are
true and correct in all material respects on and as of the date hereof except to the extent that
such representations and warranties expressly relate to an earlier date;

          (b) no Default has occurred and is continuing; and

          (c) the resolutions referred to in Section 3.1(a)(viii) of the Credit Agreement remain in full
force and effect.

     4. General. The amendments to the Credit Agreement contained herein are limited as
provided herein and do not extend to any other provisions of the Credit Agreement not specified
herein or to any other matter. The Credit Agreement is ratified and confirmed and shall continue
in full force and effect as amended hereby. This Amendment may be executed in any number of
counterparts with the same effect as if the signatures hereto and thereto were upon the same
instrument.

[The Remainder
of This Page Remains Blank]

 - 8 - 

 

     IN WITNESS WHEREOF, this Agreement and Amendment No. 2 has been executed as a sealed
instrument as of the date first set forth above.

	 	 	 	 	 	 	 	 	 	 	 

	TIMEPAYMENT CORP. 

	 	 	 	SOVEREIGN BANK, Individually and as Agent
	By:

	 	/s/ Richard F. Latour
	 	 	 	By:
	 	/s/ Jeffrey G. Millman
	 	 
	 

	 	 
	 	 	 	 	 	 	 	 
	 

	 	Name: Richard F. Latour
	 	 	 	 	 	Name: Jeffrey G. Millman	 	 
	 

	 	Title:   President
	 	 	 	 	 	Title:   Senior Vice President	 	 

	 	 	 	 	 
	 	BERKSHIRE BANK

 	 
	 	By:  	/s/ Paul F. Flynn, Jr.
 	 
	 	 	Name:  	Paul F. Flynn, Jr. 	 
	 	 	Title:  	Senior Vice President 	 
	 
	 	COMMERCE BANK & TRUST COMPANY

 	 
	 	By:  	/s/ David J. Costello
 	 
	 	 	Name:  	David J. Costello 	 
	 	 	Title:  	Senior Vice President 	 
	 
	 	DANVERSBANK

 	 
	 	By:  	/s/  Mary E. McLemore
 	 
	 	 	Name:  	Mary E. McLemore 	 
	 	 	Title:  	Vice President 	 
	 
	 	WELLS FARGO BANK, NATIONAL ASSOCIATION

 	 
	 	By:  	/s/  Evan M. Israelson
 	 
	 	 	Name:  	Evan M. Israelson 	 
	 	 	Title:  	Authorized Signatory 	 

[Signature Page – Agreement and Amendment No. 2]

 

	 	 	 	 	 

SCHEDULE I

COMMITMENTS OF THE LENDERS

	 	 	 	 	 	 	 	 	 
	Lender	 	Commitment	 	 	Commitment Percentage	 
	Sovereign Bank
	 	$	25,000,000	 	 	 	25	%
	 
	 	 	 	 	 	 	 	 
	Wells Fargo
Bank, N.A.

300 Commercial Street 

Boston, MA 02109

Attn: Evan M. Israelson

Fax: (617) 248-8922	 	$	25,000,000	 	 	 	25	%
	 
	 	 	 	 	 	 	 	 
	Danversbank

One Conant Street 

Danvers, MA 01923

Attn: Mary E. McLemore

Fax: (978) 774-7893	 	$	20,000,000	 	 	 	20	%
	 
	 	 	 	 	 	 	 	 
	Berkshire
Bank

150 Presidential Way, Suite 210

Woburn, MA 01801

Attn: C. Lee Willingham 

Fax: (781) 933-0409	 	$	15,000,000	 	 	 	15	%
	 
	 	 	 	 	 	 	 	 
	Commerce
Bank & Trust Company

386 Main Street 

Worcester, MA 01608

Attn: David J. Costello

Fax: (508) 797-6933	 	$	15,000,000	 	 	 	15	%
	 
	 	 	 	 	 	 	 	 
	Total:
	 	$	100,000,000	 	 	 	100	%

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