Document:

EX-10.2 Promissory Note with Bankers Trust Company

PROMISSORY NOTE	
										
	Principal
$20,000,000.00
	Loan Date
06-14-2015
	Maturity
06-14-2016
	Loan No
55120-0201
	Call / Coll
9A00 / AA
	Account
00000160370
	Officer
00456
	Initials

	References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item. 
Any item above containing “***” has been omitted due to text length limitations.

	
					
	Borrower:
	Heartland Financial USA, Inc.
	 
	Lender:
	Bankers Trust Company

	 
	1398 Central Avenue
	 
	 
	453 7th Street

	 
	Dubuque, IA 52001
	 
	 
	P.O. Box 897

	 
	 
	 
	 
	Des Moines, IA 50304-0897

	 
	 
	 
	 
	(515) 245-2863

	
		
	Principal Amount:  $20,000,000.00
	Date of Note: June 14, 2015

PROMISE TO PAY. Heartland Financial USA, Inc. ("Borrower") promises to pay to Bankers Trust Company ("lender"). or order, in lawful money of the United States of America, the principal amount of Twenty Million & 00/100 Dollars ($20.000.000.00) or so much as may be outstanding. together with interest on the unpaid outstanding principal balance of each  advance.   Interest shall be calculated from the date of each advance until repayment of each advance.
PAYMENT. Borrower will pay this loan in one payment of all outstanding principal plus all accrued unpaid interest on June 14, 2016.   In addition, Borrower will pay regular quarterly payments of all accrued unpaid interest due as of each payment date. beginning June 30, 2015, with all subsequent interest payments to be due on the last day of each quarter after that.   Unless otherwise agreed or required by applicable law, payments will be applied first to any unpaid collection costs; then to  any late charges; then to any accrued unpaid interest; and then to principal. Borrower will pay Lender at Lender's address shown above or at such other place as Lender may designate in writing.
VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from time to time based on changes in an  independent index which is the Base Rate on Corporate Loans posted by at least 70% of the 10 largest U.S. banks known as the Wall Street Journal U.S.  Prime Rate (the "Index").  The Index is not necessarily the lowest rate charged by Lender on its  loans.  If the Index becomes unavailable during the term of this loan,  Lender may designate a substitute index after notifying  Borrower.   Lender will tell Borrower the current Index rate upon Borrower's request.  The interest rate change will not occur more often than each day.  Borrower understands that Lender may make loans based on other rates as well.  The Index currently is 3.250% per annum. Interest on the unpaid principal balance of this Note will be  calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate equal to the Index, resulting in  an initial rate of 3.250%  per annum based on a year of 360  days.  NOTICE:  Under no circumstances will the interest rate on this Note be more than the  maximum rate allowed by  applicable law.
INTEREST CALCULATION METHOD. Interest on this Note is computed on  a 365/360 basis; that is. by applying the ratio of the interest rate over a  year  of  360  days, multiplied by the outstanding principal balance. multiplied  by the actual number  of days the principal balance is outstanding.  All interest payable under this Note is computed using this method.
PREPAYMENT. Borrower may pay without penalty all or a portion of the amount owed earlier than it is due.    Early  payments will not, unless agreed to by Lender in writing, relieve Borrower of Borrower's obligation to continue to make payments of accrued unpaid interest.  Rather, early payments will reduce the principal balance due.    Borrower agrees not to  send Lender payments marked "paid in  full", "without  recourse", or similar language.  If Borrower sends such a payment, Lender may accept it without losing any of Lender's rights under this Note, and Borrower will remain obligated to pay any  further amount owed to Lender. All written communications concerning disputed amounts. including any check or other payment instrument that indicates that the payment constitutes "payment in full" of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to:  Bankers Trust Company, 453 7th Street, P.O. Box 897. Des Moines. lA  50304-0897.
LATE CHARGE.  If a payment is 11 days or more late, Borrower will be charged 5.000% of the unpaid portion of the  regularly scheduled payment or  $50.00, whichever is greater.
INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final maturity, the interest rate on this Note shall   be increased to 21.000% per annum based on a year of 360 days.  However, in no event will the interest rate exceed the  maximum interest rate limitations under applicable law.

DEFAULT. Each of the following shall constitute an event of default (“Event of Default”) under this Note:	
	
	Payment Default. Borrower fails to make any payment when due under this Note.

	Other Defaults. Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Note or in any of the related documents or to comply with or to perform any term, obligation, covenant or condition contained in any other agreement between Lender and Borrower.

	False Statements. Any warranty, representation or statement made or furnished to Lender by Borrower or on Borrower's behalf under this Note or the related documents is false or misleading in any material respect, either now or at the time made or furnished or becomes false or misleading at any time thereafter.

	Insolvency. The dissolution or termination of Borrower's existence as a going business, the insolvency of Borrower, the appointment of a receiver for any part of Borrower's property, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Borrower.

	Creditor or Forfeiture Proceedings. Commencement of foreclosure or forfeiture proceedings, whether by judicial proceeding, self-help, repossession or any other method, by any creditor of Borrower or by any governmental agency against any collateral securing the loan. This includes a garnishment of any of Borrower's accounts, including deposit accounts, with Lender. However, this Event of Default shall not apply if there is a good faith dispute by Borrower as to the validity or reasonableness of the claim which is the basis of the creditor or forfeiture proceeding and if Borrower gives Lender written notice of the creditor or forfeiture proceeding and deposits with Lender monies or a surety bond for the creditor or forfeiture proceeding, in an amount determined by Lender, in its sole discretion, as being an adequate reserve or bond for the dispute.

	Events Affecting Guarantor. Any of the preceding events occurs with respect to any guarantor, endorser, surety, or accommodation party of any of the indebtedness or any guarantor, endorser, surety, or accommodation party dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any guaranty of the indebtedness evidenced by this Note.

	Change in Ownership. Any change in ownership of twenty-five percent (25%) or more of the common stock of Borrower.

	Adverse Change. A material adverse change occurs in Borrower's financial condition, or Lender believes the prospect of payment or performance of this Note is impaired.

	Insecurity. Lender in good faith believe itself insecure.

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal balance under this Note and all accrued unpaid interest immediately due, and then Borrower will pay that amount.
ATTORNEY'S FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if Borrower does not pay.    Borrower will pay Lender that amount.  This includes, subject to any limits under applicable law, Lender's attorneys' fees and  Lender's legal expenses, whether or not there is a lawsuit, including without limitation all attorneys' fees and legal expenses for  bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), and appeals.  If not prohibited by applicable law, Borrower also will pay any court costs, in addition to all other sums provided by law.
JURY WAIVER. Lender and Borrower hereby waive the right to any jury trial in any action, proceeding. or counterclaim brought by either Lender or Borrower against the other.
GOVERNING LAW. This Note will be governed by federal law applicable to Lender and, to the extent not preempted by  federal law, the laws of the State of Iowa without regard to its conflicts of law provisions. This Note has been accepted by  Lender in the State of Iowa.
CHOICE OF VENUE. If there is a lawsuit, Borrower agrees upon Lender's request to submit to the jurisdiction of the courts of Polk County, State of Iowa.
RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all Borrower's accounts with Lender (whether checking, savings, or  some other account).   This includes all accounts Borrower holds jointly with someone else and all accounts Borrower may open in the future.   However, this does not include any IRA or Keogh accounts, or any trust accounts for which setoff would be prohibited by law.   Borrower authorizes Lender, to the extent permitted by  applicable law, to charge or setoff all sums owing on the debt against any and all such accounts.
COLLATERAL. This loan is unsecured.

	
					
	Loan No:  55120-0201
	 
	PROMISSORY NOTE
(Continued)
	 
	Page 2

LINE OF CREDIT. This Note evidences a revolving line of credit. Advances under this Note, as well as directions for payment from Borrower's accounts, may be requested orally or in writing by Borrower or by an authorized person. Lender may, but need not, require that all oral requests be confirmed in writing. Borrower agrees to be liable for all sums either: (A) advanced in accordance with the instruction of any authorized person or (B) credited to any of Borrower's accounts with Lender. The unpaid principal balance owing on this Note at any time may be evidenced by endorsements on this Note or by Lender's internal records, including daily computer print-outs.  Lender will have no obligation to advance funds under this Note if: (A) Borrower or any guarantor is in default under the terms of this Note or any agreement that Borrower or any guarantor has with Lender, including any agreement made in connection with the signing of this Note; (B) Borrower or any guarantor ceases doing business or is insolvent; (C) any guarantor seeks, claims or otherwise attempts to limit, modify or revoke such guarantor's guarantee of this Note or any other loan with Lender; (D) Borrower has applied funds provided pursuant to this Note for purposes other than those authorized by Lender; or (E) Lender in good faith believes itself insecure.
PURPOSE OF LOAN. The specific purpose of this loan is: Capital Injections/Acquisitions/General Corporate Needs.
ADDITIONAL TERMS. This credit is subject to the terms and conditions of a Business Loan Agreement dated June 14, 2013 and as amended.
NON-USE FEE. This Loan is subject to a quarterly Non-Use Fee Rate of 0.0005%.  The Borrower agrees to pay to Lender for the Revolving Commitment a non-use fee, for the period from the Loan Date to the Maturity Date, in an amount equal to (i) the Revolving Commitment less (ii) the average daily amount (for the period of measurement) of all Revolving Outstandings, multiplied by the Non-Use Fee rate in effect from time to time.  Such non-use fee shall be payable in arrears on the last day of each calendar quarter and on the Maturity Date for any period then ending fro which such non-use fee shall not have previously been paid.  The Non-Use Fee shall be computed per the Interest Calculation Method described in the Promissory Note.
PRIOR NOTE. A Promissory Note dated June 14, 2014 in the amount of $20,000,000.00 to mature on June 14, 2015 and a Change in Terms Agreement dated August 1, 2014 in the amount of $20,000,000.00 to mature on June 14, 2015.
SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and upon Borrower's heirs, personal representatives, successors and assigns, and shall inure to the benefit of Lender and its successors and assigns.
NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. Borrower may notify Lender if Lender reports any inaccurate information about Borrower's account(s) to a consumer reporting agency. Borrower's written notice describing the specific inaccuracy(ies) should be sent to Lender at the following address: Bankers Trust Company 453 7th Street Des Moines, IA 50309.
GENERAL PROVISIONS. If any part of this Note cannot be enforced, this fact will not affect the rest of the Note. Lender may delay or forgo enforcing any of its rights or remedies under this Note without losing them. Borrower and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend (repeatedly and for any length of time) this loan or release any party or guarantor or collateral; or impair, fail to realize upon or perfect Lender's security interest in the collateral; and take any other action deemed necessary by Lender without the consent of or notice to anyone. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several.
PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. BORROWER AGREES TO THE TERMS OF THE NOTE.
BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE AND ALL OTHER DOCUMENTS RELATING TO THIS DEBT.

BORROWER:

HEARTLAND FINANCIAL USA, INC.
	
	
	By: /s/ Bryan R. McKeag

	Bryan R. McKeag EVP, CFO of Heartland Financial USA, Inc.

SECOND AMENDMENT TO BUSINESS LOAN AGREEMENT DATED JUNE 14, 
2013
	
										
	Principal
$20,000,000.00
	Loan Date
06-14-2015
	Maturity
06-14-2016
	Loan No
55120-0201
	Call / Coll
9A00 / AA
	Account
00000160370
	Officer
00456
	Initials

	References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item. 
Any item above containing “***” has been omitted due to text length limitations.

	
					
	Borrower:
	Heartland Financial USA, Inc.
	 
	Lender:
	Bankers Trust Company

	 
	1398 Central Avenue
	 
	 
	453 7th Street

	 
	Dubuque, IA 52001
	 
	 
	P.O. Box 897

	 
	 
	 
	 
	Des Moines, IA 50304-0897

	 
	 
	 
	 
	(515) 245-2863

 

This Second Amendment to Business Loan Agreement by this reference is made a part of the Business Loan Agreement dated June 14, 2013, and is executed in connection with a loan or other financial accommodations between Heartland Financial USA, Inc, ("Borrower") and Bankers Trust Company ("Lender") on the following terms and conditions.  
Borrower and Lender acknowledge the following change(s):
NEGATIVE COVENANTS
Page 3 - Indebtedness and Liens.
1.  Subsection (1) of the section entitled "Indebtedness and Liens" on page 3 is hereby deleted and replaced with "No Additional Indebtedness in excess of $5,000,000.00, without prior consent of Bankers Trust Company.  Any amount in excess of $5,000,000.00 shall require a commensurate reduction of used or unused loans from Bankers Trust Company.  Additional indebtedness shall exclude trade debt incurred in the normal course of business, indebtedness to Lender contemplated by this Agreement, and any subordinated debt instruments(s) assumed by Borrower as related to future acquisition(s)."
Page 4 - Additional Financial Restrictions.
2.  In the section entitled "Additional Financial Restrictions" on page 4, the phrases "No Additional Indebtedness in excess of $5,000,000.00, without prior consent of Bankers Trust Company.  Any amount in excess of $5,000,000.00 shall require a commensurate reduction of used or unused loans from Bankers Trust Company." are deleted.
BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS AGREEMENT AND AGREES TO ITS TERMS.
BORROWER ACKNOWLEDGES RECEIPT OF AN EXECUTED COPY OF THIS AGREEMENT.
THIS SECOND AMENDMENT TO BUSINESS LOAN AGREEMENT DATED JUNE 14, 2013 IS EXECUTED ON JUNE 14, 2015.  
BORROWER:

HEARTLAND FINANCIAL USA, INC.
	
	
	By: /s/ Bryan R. McKeag

	Bryan R. McKeag EVP, CFO of Heartland Financial USA, Inc.

LENDER: 

BANKERS TRUST COMPANY
	
	
	By: /s/ John Ruan IV

	John Ruan IV, Vice President

NOTICE OF FINAL AGREEMENT	
										
	Principal
$20,000,000.00
	Loan Date
06-14-2015
	Maturity
06-14-2016
	Loan No
55120-0201
	Call / Coll
9A00 / AA
	Account
00000160370
	Officer
00456
	Initials

	References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item. 
Any item above containing “***” has been omitted due to text length limitations.

	
					
	Borrower:
	Heartland Financial USA, Inc.
	 
	Lender:
	Bankers Trust Company

	 
	1398 Central Avenue
	 
	 
	453 7th Street

	 
	Dubuque, IA 52001
	 
	 
	P.O. Box 897

	 
	 
	 
	 
	Des Moines, IA 50304-0897

	 
	 
	 
	 
	(515) 245-2863

	
					
	 
	 
	 
	 
	 

	IMPORTANT:  READ BEFORE SIGNING.  THE TERMS OF THE LOAN AGREEMENT SHOULD BE READ CAREFULLY BECAUSE ONLY THOSE TERMS IN WRITING ARE ENFORCEABLE.  NO OTHER TERMS OR ORAL PROMISES NOT CONTAINED IN THE WRITTEN LOAN AGREEMENT MAY BE LEGALLY ENFORCED.  BORROWER MAY CHANGE THE TERMS OF THE LOAN AGREEMENT ONLY BY ANOTHER WRITTEN AGREEMENT.

	 
	 
	 
	 
	 

	As used in this Notice, the following terms have the following meanings:

	 
	 
	 
	 
	 

	Loan. The term "Loan: means the following described loan:  a Variable Rate Nondisclosable Revolving Line of Credit Loan to a Corporation for $20,000,000.00 due on June 14, 2016.  This is an unsecured renewal of the following described indebtedness:  A Promissory Note dated June 14, 2014 in the amount of $20,000,000.00 to mature on June 14, 2015 and a Change in Terms Agreement dated August 1, 2014 in the amount of $20,000,000.00 to mature on June 14, 2015.

	 
	 
	 
	 
	 

	Loan Agreement.  The term "Loan Agreement" means one or more promises, promissory notes, agreements, undertakings, security agreements, deeds of trust or other documents, or commitments, or any combination of those actions or documents, relating to the Loan, including without limitation the following: 

	 

	LOAN DOCUMENTS

	 
	 
	 
	 
	 

	ŸPromissory Note
	 
	 
	ŸSecond Amendment to Business Loan Agreement dated June 14, 2013 - SECOND AMENDMENT TO BUSINESS LOAN AGREEMENT DATED JUNE 14, 2013

	ŸDisbursement Request and Authorization
	 

	ŸNotice of Final Agreement
	 

	Parties.  The term "Parties" means Bankers Trust Company and any and all entities or individuals who are obligated to repay the loan or have pledged property as security for the Loan, including without limitation the following: 

	 
	 
	 
	 

	Borrower:
	Heartland Financial USA, Inc.
	 
	 

Each Party who signs below, other than Bankers Trust Company, acknowledges, represents, and warrants to Bankers Trust Company that it has received, read and understood this Notice of Final Agreement.  This Notice is dated June 14, 2015.

BORROWER:

HEARTLAND FINANCIAL USA, INC.
	
	
	By: /s/ Bryan R. McKeag

	Bryan R. McKeag EVP, CFO of Heartland Financial USA, Inc.

LENDER: 

BANKERS TRUST COMPANY
	
	
	By: /s/ John Ruan IV

	John Ruan IV, Vice PresidentEX-10.103

 Exhibit 10.103 

SECOND AMENDMENT TO CREDIT AGREEMENT 

THIS SECOND AMENDMENT TO CREDIT AGREEMENT (the “Amendment”) is dated as of June 30, 2015 by and among KOPPERS INC., a
Pennsylvania corporation (the “Borrower”), the GUARANTORS (as defined in the Credit Agreement), the LENDERS (as defined in the Credit Agreement), and PNC BANK, NATIONAL ASSOCIATION, as Administrative Agent (in such capacity, the
“Administrative Agent”). 
 WITNESSETH: 

WHEREAS, this Amendment amends that certain Credit Agreement dated as of August 15, 2014, as amended by First Amendment to Credit
Agreement and Consent and Waiver (the “First Amendment”) dated as of December 17, 2014 (as amended by the First Amendment, the “Credit Agreement”). 

WHEREAS, Borrower has requested that the Lenders modify the definition of Fixed Charges in the Credit Agreement, and the Administrative Agent
and the Lenders have agreed to such modifications as described in this Amendment. Capitalized terms not otherwise defined in this Amendment have the meanings given to them in the Credit Agreement. 

NOW, THEREFORE, the parties hereto, in consideration of their mutual covenants and agreements herein contained and intending to be legally
bound hereby, covenant and agree as follows: 
 1. Recitals. The foregoing recitals are true and correct and incorporated herein by
reference. 
 2. Amendment to the Credit Agreement. Section 1.1 [Defined Terms] of the Credit Agreement is hereby amended to
amend and restate the following defined term in its entirety: 
 Fixed Charges shall mean for any period of
determination the sum of interest expense, contractual principal installments on Indebtedness, and contractual principal payments on capitalized leases, in each case of Holdings and its Subsidiaries for such period determined and consolidated in
accordance with GAAP; provided that, notwithstanding the foregoing, (i) payments made by the Borrower to redeem the 2009 Senior Notes as permitted under Section 8.2.5 [Restricted Payments] shall be excluded from the calculation of Fixed
Charges and (ii) in the event that Holdings pays any dividends or distributions after June 30, 2015, then all dividends or distributions made by Holdings during any period of determination shall be included in the calculation of Fixed
Charges. 
 3. Conditions Precedent. The Borrower, the Guarantors and the Lenders acknowledge that this Amendment shall not be
effective until the date each of the following conditions precedent has been satisfied: 
 (a) The Borrower, the Guarantors, the Required
Lenders, and the Administrative Agent shall have executed, and delivered to the Administrative Agent, this Amendment; 

 (b) Since December 31, 2014, no Material Adverse Change shall have occurred with respect to
the Borrower or any of the Guarantors; 
 (c) No default or event of default shall have occurred or will occur under the terms of any other
agreement involving borrowed money or the extension of credit or any other Indebtedness under which any Loan Party or Subsidiary of any Loan Party may be obligated as a borrower or guarantor as a result of and after giving effect to the transactions
contemplated by this Amendment; 
 (d) The Borrower and the Guarantors shall have obtained all approvals and consents necessary to
consummate the transactions contemplated by this Amendment; 
 (e) The Borrower shall have paid to the Administrative Agent and PNC Capital
Markets LLC all fees required to be paid in connection with this Amendment, and the Borrower shall have reimbursed the Administrative Agent all fees and expenses, including without limitation, attorneys’ fees, for which the Administrative Agent
is entitled to be reimbursed; and 
 (f) All legal details and proceedings in connection with the transactions contemplated by this
Amendment and all other Loan Documents to be delivered to the Lenders shall be in form and substance reasonably satisfactory to the Administrative Agent. 

4. Representations, Warranties and Covenants. The Borrower and each Guarantor covenants and agrees with and represents and warrants to
the Administrative Agent and the Lenders as follows: 
 (a) the Borrower’s and Guarantors’ obligations under the Credit Agreement,
as modified hereby, are and shall remain secured by the Collateral (other than the Released Assets (as defined in the First Amendment)), pursuant to the terms of the Credit Agreement and the other Loan Documents; 

(b) the Borrower and each of the Guarantors possesses all of the powers requisite for it to enter into and carry out the transactions of the
Borrower and each Guarantor referred to herein and to execute, enter into and perform the terms and conditions of this Amendment, the Credit Agreement and the other Loan Documents and any other documents contemplated herein that are to be performed
by the Borrower or such Guarantor; any and all actions required or necessary pursuant to the Borrower’s or such Guarantor’s organizational documents or otherwise have been taken to authorize the due execution, delivery and performance by
the Borrower and such Guarantor of the terms and conditions of this Amendment; the officers of the Borrower and each Guarantor executing this Amendment are the duly elected, qualified, acting and incumbent officers of such Loan Party and hold the
titles set forth below their names on the signature lines of this Amendment; and such execution, delivery and performance will not conflict with, constitute a default under or result in a breach of any applicable law or any agreement, instrument,
order, writ, judgment, injunction or decree to which the Borrower or such Guarantor is a party or by which the Borrower or such Guarantor or any of its properties is bound, and that all consents, authorizations and/or approvals required or necessary
from any third parties in connection with the entry into, delivery and performance by the Borrower and such Guarantor of the terms and conditions of this Amendment, the Credit Agreement, the other Loan Documents and the transactions contemplated
hereby have been obtained by the Borrower and such Guarantor and are full force and effect; 

  
 2 

 (c) this Amendment, the Credit Agreement, and the other Loan Documents constitute the valid and
legally binding obligations of the Borrower and each Guarantor, enforceable against the Borrower and each Guarantor in accordance with their respective terms, except as such enforceability may be limited by applicable bankruptcy, insolvency,
reorganization, moratorium or similar laws and by general equitable principles, whether enforcement is sought by proceedings at law or in equity; 

(d) except as specifically modified by this Amendment, all representations and warranties made by the Borrower and each Guarantor in the
Credit Agreement and the other Loan Documents are true and correct in all material respects as of the date hereof, with the same force and effect as if all such representations and warranties were fully set forth herein and made as of the date
hereof and the Borrower and each Guarantor has complied with all covenants and undertakings in the Credit Agreement and the other Loan Documents; 

(e) this Amendment is not a substitution, novation, discharge or release of the Borrower’s or any Guarantor’s obligations under the
Credit Agreement or any of the other Loan Documents, all of which shall and are intended to remain in full force and effect; 
 (f) no Event
of Default or Potential Default has occurred and is continuing under the Credit Agreement or the other Loan Documents; there exist no defenses, offsets, counterclaims or other claims with respect to the Borrower’s or any Guarantor’s
obligations and liabilities under the Credit Agreement or any of the other Loan Documents; and 
 (g) the Borrower and each Guarantor hereby
ratifies and confirms in full its duties and obligations under the Credit Agreement, the Guaranty Agreement, and the other Loan Documents applicable to it, each as modified hereby. 

5. Incorporation into Credit Agreement and other Loan Documents. This Amendment shall be incorporated into the Credit Agreement by this
reference and each reference to the Credit Agreement that is made in the Credit Agreement or any other document executed or to be executed in connection therewith shall hereafter be construed as a reference to the Credit Agreement as amended hereby.
The term “Loan Documents” as defined in the Credit Agreement shall include this Amendment. 
 6. Severability. If any one
or more of the provisions contained in this Amendment, the Credit Agreement, or the other Loan Documents shall be held invalid, illegal or unenforceable in any respect, the validity, legality or enforceability of the remaining provisions contained
in this Amendment, the Credit agreement or the other Loan Documents shall not in any way be affected or impaired thereby, and this Amendment shall otherwise remain in full force and effect. 

7. Successors and Assigns. This Amendment shall apply to and be binding upon the Borrower and each Guarantor in all respects and shall
inure to the benefit of each of the Administrative Agent and the Lenders and their respective successors and assigns, provided that neither the Borrower nor any Guarantor may assign, transfer or delegate its duties and

  
 3 

 
obligations hereunder. Nothing expressed or referred to in this Amendment is intended or shall be construed to give any person or entity other than the parties hereto a legal or equitable right,
remedy or claim under or with respect to this Amendment, the Credit Agreement or any of the other Loan Documents, it being the intention of the parties hereto that this Amendment and all of its provisions and conditions are for the sole and
exclusive benefit of the Borrower, the Guarantors, the Administrative Agent and the Lenders. 
 8. Reimbursement of Expenses. The
Borrower unconditionally agrees to pay and reimburse the Administrative Agent and save the Administrative Agent harmless against liability for the payment of reasonable out-of-pocket costs, expenses and disbursements, including without limitation,
fees and expenses of counsel incurred by the Administrative Agent in connection with the development, preparation, execution, administration, interpretation or performance of this Amendment and all other documents or instruments to be delivered in
connection herewith. 
 9. Counterparts. This Amendment may be executed by different parties hereto in any number of separate
counterparts, each of which, when so executed and delivered shall be an original and all such counterparts shall together constitute one and the same instrument. 

10. Entire Agreement. This Amendment sets forth the entire agreement and understanding of the parties with respect to the transactions
contemplated hereby and supersedes all prior understandings and agreements, whether written or oral, between the parties hereto relating to the subject matter hereof. No representation, promise, inducement or statement of intention has been made by
any party which is not embodied in this Amendment, and no party shall be bound by or liable for any alleged representation, promise, inducement or statement of intention not set forth herein. 

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

[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] 

[SIGNATURE PAGES FOLLOW] 

  
 4 

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

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

			
	BORROWER:
	
	KOPPERS INC.
		
	By:	 	 /s/ Louann E. Tronsberg-Deihle

	Name:	 	Louann E. Tronsberg-Deihle
	Title:	 	Treasurer
	
	GUARANTORS:
	
	KOPPERS HOLDINGS INC.
	KOPPERS DELAWARE, INC.
	KOPPERS ASIA LLC
	KOPPERS CONCRETE PRODUCTS, INC.
	CONCRETE PARTNERS, INC.
		
	By:	 	 /s/ Louann E. Tronsberg-Deihle

	Name:	 	Louann E. Tronsberg-Deihle
	Title:	 	Treasurer
	
	KOPPERS WORLD-WIDE VENTURES CORPORATION
		
	By:	 	 /s/ Louann E. Tronsberg-Deihle

	Name:	 	Louann E. Tronsberg-Deihle
	Title:	 	Vice President
	
	KOPPERS VENTURES LLC
		
	By:	 	 /s/ Louann E. Tronsberg-Deihle

	Name:	 	Louann E. Tronsberg-Deihle
	Title:	 	Treasurer and Assistant Secretary

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
					
	KOPPERS PERFORMANCE CHEMICALS, INC.,
	a New York corporation
		
	By:	 	 /s/ Louann E. Tronsberg-Deihle

	Name:	 	Louann E. Tronsberg-Deihle
	Title:	 	Treasurer
	
	 KOPPERS RAILROAD STRUCTURES INC.,

a Delaware corporation

		
	By:	 	 /s/ Louann E. Tronsberg-Deihle

	Name:	 	Louann E. Tronsberg-Deihle
	Title:	 	Treasurer
	
	 KOPPERS-NEVADA LIMITED-LIABILITY COMPANY,

a Nevada limited liability company

	 KOPPERS NZ LLC,
 a New York
limited liability company

	 WOOD PROTECTION MANAGEMENT LLC,

a Nevada limited liability company

		
	By:	 	 /s/ Steven R. Lacy

	Name:	 	Steven R. Lacy
	Title:	 	Manager
	
	 WOOD PROTECTION LP,
 a
Texas limited partnership

	      By:	 	WOOD PROTECTION MANAGEMENT LLC,
		 	as General Partner
			
		 	By:	 	 /s/ Steven R. Lacy

		 	Name:	 	Steven R. Lacy
		 	Title:	 	Manager

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

			
	ADMINISTRATIVE AGENT AND LENDERS:
	
	 PNC BANK, NATIONAL ASSOCIATION,

as a Lender and as Administrative Agent

		
	By:	 	 /s/ Tracy J. DeCock

	Name:	 	Tracy J. DeCock
	Title:	 	Senior Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	WELLS FARGO BANK, NATIONAL ASSOCIATION,
	as a Lender and as Co-Syndication Agent
		
	By:	 	 /s/ J. Barrett Donovan

	Name:	 	J. Barrett Donovan
	Title:	 	Senior Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	BANK OF AMERICA, N.A.,
	as a Lender and as Co-Syndication Agent
		
	By:	 	 /s/ Joseph E. Flynn

	Name:	 	Joseph E. Flynn
	Title:	 	Senior Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	CITIZENS BANK OF PENNSYLVANIA,
	as a Lender and as Co-Syndication Agent
		
	By:	 	 /s/ Sean McWhinnie

	Name:	 	 Sean McWhinnie

	Title:	 	 Duly Authorized Signatory

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	FIFTH THIRD BANK,
	as a Lender and as Co-Documentation Agent
		
	By:	 	 /s/ Michael S. Barrett

	Name:	 	 Michael S. Barrett

	Title:	 	 Managing Director

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	DEUTSCHE BANK AG NEW YORK BRANCH,
	as a Lender
		
	By:	 	 /s/ Marcus M. Tarkington

	Name:	 	 Marcus M. Tarkington

	Title:	 	 Director

	
	 DEUTSCHE BANK AG NEW YORK BRANCH,

as a Lender

		
	By:	 	 /s/ Michael Shannon

	Name:	 	 Michael Shannon

	Title:	 	 Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	BARCLAYS BANK PLC,
	as a Lender
		
	By:	 	 /s/ Daniel Hunter

	Name:	 	 Daniel Hunter

	Title:	 	 Authorized Signatory

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	THE BANK OF TOKYO-MITSUBISHI UFJ, LTD.,
	as a Lender
		
	By:	 	 /s/ Mustafa Khan

	Name:	 	Mustafa Khan
	Title:	 	Director

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	BMO HARRIS BANK N.A.,
	as a Lender
		
	By:	 	 /s/ Thomas Hasenauer

	Name:	 	Thomas Hasenauer
	Title:	 	Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	FIRST NIAGARA BANK, N. A.,
	as a Lender
		
	By:	 	 /s/ Brad Johnston

	Name:	 	 Brad Johnston

	Title:	 	 AVP RM

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	FIRST NATIONAL BANK OF PENNSYLVANIA,
	as a Lender
		
	By:	 	 /s/ Dennis F. Lennon

	Name:	 	Dennis F. Lennon
	Title:	 	Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	THE HUNTINGTON NATIONAL BANK,
	as a Lender
		
	By:	 	 /s/ Chris Kohler

	Name:	 	 Chris Kohler

	Title:	 	 Senior Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	FIRST COMMONWEALTH BANK,
	as a Lender
		
	By:	 	 /s/ Joseph P. Hynds

	Name:	 	Joseph P. Hynds
	Title:	 	Senior Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	TRISTATE CAPITAL BANK,
	as a Lender
		
	By:	 	 /s/ Michael Morris

	Name:	 	 Michael Morris

	Title:	 	 Senior Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	SOMERSET TRUST COMPANY,
	as a Lender
		
	By:	 	 /s/ Parke Kreinbrook

	Name:	 	Parke Kreinbrook
	Title:	 	Loan Officer

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	CNB BANK,
	as a Lender
		
	By:	 	 /s/ Joseph E. Dell, Jr.

	Name:	 	Joseph E. Dell, Jr.
	Title:	 	Executive Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	WASHINGTON FINANCIAL BANK,
	as a Lender
		
	By:	 	 /s/ Anthony M. Cardone

	Name:	 	Anthony M. Cardone
	Title:	 	Vice President

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
					
	ZAIS CLO 1, LIMITED,
	as a Lender
		
	By:	 	ZAIS Leveraged Loan Manager, LLC, its collateral manager
			
		 	By:	 	ZAIS Group, LLC, its sole member
			
		 	By:	 	 /s/ Vincent M. Ingato

		 	Name:	 	 Vincent M. Ingato

		 	Title:	 	Managing Director

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
					
	ZAIS CLO 2, LIMITED,
	as a Lender
		
	By:	 	ZAIS Leveraged Loan Manager 2, LLC, its collateral manager
			
		 	By:	 	ZAIS Group, LLC, its sole member
			
		 	By:	 	 /s/ Vincent M. Ingato

		 	Name:	 	Vincent M. Ingato
		 	Title:	 	Managing Director

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
					
	ZAIS CLO 3, LIMITED,
	as a Lender
		
	By:	 	ZAIS Leveraged Loan Manager 3, LLC, its collateral manager
			
		 	By:	 	ZAIS Group, LLC, its sole member
			
		 	By:	 	 /s/ Vincent M. Ingato

		 	Name:	 	Vincent M. Ingato
		 	Title:	 	Managing Director

 [SIGNATURE PAGE TO SECOND AMENDMENT TO CREDIT AGREEMENT] 

 

 
			
	HENDERSON HIGH YIELD OPPORTUNITIES FUND,
	as a Lender
	
	Henderson Global Investors for and on behalf of Henderson High Yield Opportunities Fund
		
	By:	 	 /s/ Todd Nocella

	Name:	 	Todd Nocella
	Title:	 	Authorized Signatory

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00248-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00248-of-00352.parquet"}]]