Document:

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EXHIBIT 4.2

                               FORM OF SECURITIES

THIS RENEWABLE UNSECURED SUBORDINATED NOTE (THE "NOTE") OF CONSUMER PORTFOLIO
SERVICES, INC (THE "COMPANY") IS SUBJECT TO THE TERMS OF THE INDENTURE, WHICH
AMONG OTHER PROVISIONS, CONTAINS REQUIREMENTS FOR THE HOLDER TO TRANSFER THIS
NOTE, INCLUDING THE PRIOR CONSENT OF THE COMPANY TO ANY SUCH TRANSFER. THE
INDENTURE HAS BEEN FILED AS EXHIBIT 4.1 TO THE COMPANY'S REGISTRATION STATEMENT
ON FORM S-2 DECLARED EFFECTIVE BY THE SECURITIES AND EXCHANGE COMMISSION ON OR
ABOUT ____________, 2005, PURSUANT TO WHICH THIS NOTE HAS BEEN ISSUED BY THE
COMPANY.

THE COMPANY MAY REDEEM THIS NOTE, IN WHOLE OR IN PART, IN ACCORDANCE WITH THE
TERMS OF THE INDENTURE.

                           [OID LEGEND, IF APPLICABLE]

                        CONSUMER PORTFOLIO SERVICES, INC.

                    Incorporated Under the Laws of California

                     RENEWABLE UNSECURED SUBORDINATED NOTES

Registered No.:___________________     Registered Principal Amount: $___________

Issue Date:_______________________     Interest Rate:___________________________

Term:_____________________________     Interest Payment Schedule:_______________

Maturity Date:____________________     Payment Date (for interest):_____________

         Consumer Portfolio Services, Inc., a corporation created under the laws
of the State of California (the "Company," which term includes any successor
corporation under the Indenture hereinafter referred to), for value received,
hereby promises to pay to _______________________________________, or registered
assigns, the principal sum of ____________ Dollars ($________) on the Maturity
Date and to pay accrued and unpaid interest hereon from the Issue Date set forth
above, or from the most recent Payment Date to which interest has been paid or
duly provided for, beginning on the first Payment Date after the Issue Date (the
"Initial Payment Date") and on each subsequent Payment Date thereafter at the
Interest Rate set forth above, until the principal hereof is paid or made
available for payment; provided, however, that if the Payment Date is within
five (5) Business Days of the Issue Date, then the first payment will be made in
the following month and will include the interest earned since the Issue Date.
Interest shall accrue on the principal amount for the period from the later of
the Issue Date of this Note or the last Payment Date upon which an interest
payment was made until and including the day before the following Payment Date.
Initially capitalized terms used but not defined herein shall have the
respective meanings given such terms in the Indenture.

         The principal hereof is subject to optional redemption by the Company
and optional repurchase at the request of the Holder, as provided in the
Indenture, and if not so redeemed or repurchased, shall be due and payable in
full on the Maturity Date, which also shall constitute a Payment Date. The
principal and interest so payable and punctually paid or duly provided for on
any Payment Date, as provided in the Indenture, will be paid to the Person in
whose name this Note is registered (the "Holder") at the close of business on
the Regular Record Date for such Payment Date. Payment of the principal of and
interest on this Note will be made at the office of the Paying Agent, or in such
other office as may be selected in accordance with the Indenture, in such coin
or currency of the United States of America as at the time of payment is legal
tender for payment of public and private debts, provided, however, that at the
option of the Company payment of interest may be made in United States dollars
by wire or by check mailed to the address of the Person entitled thereto as such
address shall appear in the Securities Register.

         Reference is hereby made to the further provisions of this Note set
forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.

<PAGE>

         Unless the Certificate of Authentication hereon has been executed by or
on behalf of the Trustee referred to on the reverse hereof by manual signature,
this Note shall not be entitled to any benefit under the Indenture or be valid
or obligatory for any purpose.

         No recourse shall be had for the payment of the principal or interest
of this Note against any Company incorporator, stockholder, officer, director,
employee or agent by virtue of any statute or by enforcement of any assessment
or otherwise; and any and all liability of incorporators, stockholders,
directors, officers, employees and agents of the Company being released hereby.

         IN WITNESS WHEREOF, the Company has caused this Renewable Unsecured
Subordinated Note to be signed in its name by the manual or facsimile signature
of its President and attested to by the manual or facsimile signature of its
Secretary.

Dated:_____________________

CONSUMER PORTFOLIO SERVICES, INC.

By____________________________________
Name:
Title:

Attest:

 _____________________________________, Secretary

                          CERTIFICATE OF AUTHENTICATION

         This Note is one of the Renewable Unsecured Subordinated Notes,
referred to in the within-mentioned Indenture.

Dated:_________
Wells Fargo Bank National Association, as Trustee

By
Authorized Signature

<PAGE>

                              REVERSE SIDE OF NOTE

         This Note is one of a duly authorized issue of Renewable Unsecured
Subordinated Notes of the Company designated as its Renewable Unsecured
Subordinated Notes (the "Notes") in the maximum aggregate principal amount of up
to $60,000,000, issued and to be issued under an Indenture, dated as of
________________, 2005 (the "Indenture"), between the Company and Wells Fargo
Bank National Association, as Trustee (the "Trustee," which term includes any
successor Trustee under the Indenture). Reference is hereby made to the
Indenture and all indentures supplemental thereto for a statement of the
respective rights, limitation of rights, duties and immunities thereunder of the
Company, the Trustee and the Holders, and for a statement of the terms upon
which the Notes are, and are to be, authenticated and delivered. Capitalized and
certain other terms used herein and not otherwise defined have the meanings set
forth in the Indenture.

         The Notes are general unsecured obligations of the Company. The payment
of the principal of and interest on this Note is expressly subordinated, as
provided in the Indenture, to the payment of all Senior Debt and, by the
acceptance of this Note, the Holder hereof agrees, expressly for the benefit of
the present and future holders of Senior Debt, to be bound by the provisions of
the Indenture relating to such subordination and authorizes and appoints as such
Holder's attorney-in-fact the Trustee to take such action on such Holder's
behalf as may be necessary or appropriate to effectuate such subordination.

         The Company may, at its option, at any time redeem this Note either in
whole or from time to time in part prior to the Maturity Date by providing at
least thirty (30) days written notice to the Holder.

         If this Note shall be redeemed by call for redemption and payment be
duly provided therefor as specified in the Indenture, interest shall cease to
accrue on this Note.

         This Note may be transferred and exchanged only as provided in the
Indenture. This Note may not be assigned, transferred or otherwise alienated
without the prior written consent of the Company and shall be subject to the
Company's right to demand and receive an opinion of Holder's legal counsel
(which counsel shall be reasonably acceptable to the Company) that the transfer
does not violate any applicable securities laws. The Company may also require a
signature guarantee.

         Approximately fifteen (15) but not less than ten (10) days prior to the
Maturity Date, the Company will send the Holder a Notice of Maturity to notify
the Holder of the Maturity Date. If in the Notice of Maturity the Company does
not notify the Holder of its intention to repay this Note, and unless within
fifteen (15) days after the Maturity Date, the Holder has not demanded repayment
of this Note, this Note shall be automatically renewed for an additional term
equal to the term of the maturing Note and shall be deemed to have been renewed
by the Holder and the Company as of the Maturity Date, such that a new Note
shall be deemed to have been issued as of such Maturity Date. This Note will
continue to renew as described herein absent some action permitted under the
Indenture and this Note by either the Holder or the Company. Interest on the
renewed Note shall accrue from the Issue Date thereof, which is the first day of
such renewed term. This renewed Note will be deemed to have identical terms and
provisions as the maturing Note, including provisions relating to payment,
except that the interest rate payable during the term of the renewed Note shall
be the interest rate which is being offered by the Company on other Notes with
the same term as of the Issue Date of such renewal. If other Notes with the same
term are not then being offered on the Issue Date of such renewal, the interest
rate upon renewal will be the rate specified by the Company on or before the
Maturity Date, or the Note's existing rate if no such rate is specified. If the
Company gives notice to the Holder of the Company's intention to repay the Note
at maturity, the Company shall pay the Holder the principal amount and accrued
and unpaid interest thereon on the Maturity Date, and, provided such payment is
timely made, no interest will accrue after the Maturity Date. Otherwise, if the
Holder requests repayment within fifteen (15) days after the Maturity Date, no
interest will accrue after the Maturity Date and the Holder will be sent payment
upon the later of the Maturity Date or five (5) days following the date the
Company receives such notice from Holder; provided that any interest paid to the
Holder accruing after the Maturity Date shall be deducted from such payment

<PAGE>

         If an Event of Default shall occur and be continuing, the outstanding
principal of this Note may be declared due and payable in the manner and with
the effect provided in the Indenture. The Company shall pay all costs of
collection, whether or not judicial proceedings are instituted, in the manner
provided in the Indenture. The Indenture provides that such declaration and its
consequences may, in certain events, be waived by the Holders of a majority in
principal amount of the Notes outstanding.

         The Indenture permits, with certain exceptions as therein provided, the
amendment thereof and the modification of the rights and obligations of the
Company and the rights of the Holders under the Indenture at any time by the
Company and the Trustee with the consent of the Holders of a majority in
aggregate principal amount of the Notes at the time outstanding. The Indenture
also contains provisions permitting the Holders of specified percentages of
aggregate principal amount of the Notes at the time outstanding, on behalf of
the Holders of all of the Notes, to waive compliance by the Company with certain
provisions of the Indenture and certain past defaults under the Indenture and
their consequences. Any such consent or waiver by the Holder of this Note shall
be conclusive and binding upon such Holder and upon all future Holders of this
Note and of any Note issued upon the registration of transfer hereof or in
exchange herefor or in lieu hereof, whether or not notation of such consent or
waiver is made upon this Note.

         No reference herein to the Indenture and no provision of this Note or
of the Indenture or amendment or modification hereof or thereof shall alter or
impair the obligation of the Company to pay the principal of and interest on
this Note at the times, place and rate and in the coin or currency herein
prescribed.

         In the event of a consolidation or merger of the Company into, or of
the transfer of its assets substantially as an entirety to, a successor entity
in accordance with the Indenture, such successor entity shall assume payment of
the Notes and the performance of every covenant of the Indenture on the part of
the Company, and in the event of any such transfer, the Company (or the
successor entity in the event of a subsequent consolidation, merger or transfer)
shall be discharged from all obligations and covenants in respect of the Notes
and the Indenture and may be dissolved and liquidated, all as more fully set
forth in the Indenture.

         The Notes are originally issuable in such denominations as may be
designated from time to time by the Company, but in no event in an original
denomination less than $1,000. Subject to the provisions of the
Indenture (including without limitation Section 2.6 thereof), the transfer of
this Note is registerable in the Securities Register, upon surrender of this
Note for registration of transfer at the office or agency of the Registrar duly
endorsed by or accompanied by a written instrument of transfer in the form
printed on this Note or in another form satisfactory to the Company and the
Registrar duly executed by the Holder hereof or such Holder's attorney, duly
authorized in writing, and thereupon one or more new Notes, of authorized
denominations and for the same aggregate principal amount, will be issued to the
designated transferee or transferees. The Registrar may assess service charges
for any such registration or transfer or exchange, and the Registrar may require
payment of a sum sufficient to cover any tax or other governmental charge
payable in connection therewith.

         Prior to due presentment of this Note for registration of transfer, the
Company, the Trustee and any agent of the Company or the Trustee may treat the
Person in whose name this Note is registered as the owner hereof for all
purposes, whether or not this Note be overdue, and neither the Company, the
Trustee nor any such agent shall be affected by notice to the contrary.

         This Note shall be governed by and construed in accordance with the
internal laws of the State of New York, without giving effect to the conflict of
law provisions thereof.

<PAGE>

                               FORM OF ASSIGNMENT

(To be executed by the registered holder if such holder desires to transfer this
Note)

FOR VALUE RECEIVED the undersigned hereby sells, assigns and transfers unto

_________________________________________________

_________________________________________________

_________________________________________________ (Please print name and address
                                                   of transferee)

this Note, together with all right, title and interest therein, and does hereby
irrevocably constitute and appoint __________________, as Attorney-in-Fact, to
transfer the within Note on the books kept for registration thereof, with full
power of substitution.

Dated:___________

Signature:_________________________________

(Signature must conform in all respects to name of holder as specified on the
face of the Note)

Social Security or Other Identifying Number of Transferee: _____________________

Signature Guaranteed:exv10w1

 

Exhibit 10.1

[CONFORMED COPY]

Penford Corporation, Penford Australia Limited and

Penford Holdings Pty. Limited

First Amendment to Credit Agreement

     This First Amendment to Credit Agreement (herein, the “Amendment”) is entered into as of
November 26, 2004, by and among Penford Corporation, a Washington corporation (“PenCorp”
or the “U.S. Borrower”) and Penford Australia Limited ACN 003 780 229 and Penford
Holdings Pty. Limited ACN 094 279 339 (“Penford Holdings” and, together with Penford Australia
Limited, individually, an “Australian Borrower” and collectively the “Australian Borrowers”, the
Australian Borrowers and together with the U.S. Borrower, collectively, the “Borrowers,” and,
individually, a “Borrower”), the direct and indirect Subsidiaries of the Borrowers from time to
time party to this Agreement, as Guarantors, the several financial institutions from time to time
party to this Agreement, as U.S. Lenders, Australia and New Zealand Banking Group Limited ABN 11
005 357 522, as Australian Lender, and in its capacity as the appointed agent of debenture holders
under the Debenture Trust Deed and as “Agent” under the Syndicated Facility Agreement (in each such
capacity, “Australian Agent”), ANZ Capel Court Limited ABN 30 004 768 807 in its capacity
as “Trustee” under the Debenture Trust Deed and in its capacity as “Security Trustee” under the
Security Trust Deed (in each such capacity, “Australian Trustee”) and Harris Trust and Savings
Bank as Administrative Agent as provided herein.

Preliminary Statements

     A. The Borrowers, the Guarantors, the Lenders, the Australian Agent, the Australian Trustee
and the Administrative Agent are parties to that certain Credit Agreement dated as of October 7,
2003 (the “Credit Agreement”). All capitalized terms used herein without definition shall have the
same meanings herein as such terms have in the Credit Agreement.

     B. The Company and the Lenders have agreed to amend the Total Funded Debt Ratio and to make
certain amendments to the Credit Agreement, in each case under the terms and conditions set forth
in this Amendment.

     Now, Therefore, for good and valuable consideration, the receipt and sufficiency of
which is hereby acknowledged, the parties hereto agree as follows:

Section 1. Amendments to the Credit Agreement.

     Subject to the satisfaction of the conditions precedent set forth in Section 2 hereof, the
Credit Agreement shall be and hereby is amended as follows:

 

 

[CONFORMED COPY]

     1.1. The definition of the term “EBITDA” appearing in Section 4.1 of the Credit Agreement
shall be amended to read as follows:

     ““EBITDA” means, with reference to any period, Net Income for such period plus the sum
of all amounts deducted in arriving at such Net Income amount in respect of (a) Interest
Expense for such period, (b) federal, state, and local income taxes for such period, and (c)
depreciation of fixed assets and amortization of intangible assets for such period, plus
(minus) any non-cash losses (gains) but only to the extent such losses (gains) have not
become a cash loss (or gain), plus costs related to the labor strike at the U.S. Borrower’s
plant located in Cedar Rapids, Iowa, in an amount not to exceed $4,300,000 during the fiscal
quarter ending August 31, 2004, and $4,100,000 for the fiscal quarter ending November 30,
2004.”

     1.2. Section 7.22(a) of the Credit Agreement shall be amended to read as follows:

     “(a) Total Funded Debt Ratio. The Borrowers shall not, as of the last day of each
fiscal quarter of the Borrowers ending during the periods specified below, permit the ratio
of (a) Total Funded Debt to (b) EBITDA for the four calendar fiscal quarters of the
Borrowers then ended (the “Total Funded Debt Ratio”) to be more than:

	 	 	 	 	 
	 	 	 	 	Total Funded
	 	 	 	 	Debt Ratio Shall Not
	From and including	 	To and including	 	be More Than:
	 
	the date hereof
	 	May 31, 2004
	 	3.25 to 1.0
	August 31, 2004
	 	August 31, 2004
	 	3.00 to 1.0
	November 30, 2004
	 	February 28, 2005
	 	3.50 to 1
	May 31, 2005
	 	May 31, 2005
	 	3.25 to 1
	August 31, 2005
	 	At all times thereafter
	 	3.00 to 1.0”

     1.3. Section 7.22(d) of the Credit Agreement shall be amended to read as follows:

          “(d) Capital Expenditures. The Borrowers shall not, nor shall they permit any of their
Subsidiaries to, incur Capital Expenditures (but excluding Capital Expenditures made with
the Net Cash Proceeds of any Event of Loss as permitted by Section 2.2(b)(i) hereof and
Capital Expenditures made with the proceeds of grants from governmental entities) in an
amount in excess of $15,000,000 (or the Australian Dollar Equivalent or NZ Dollar
Equivalent) in the aggregate during the Borrowers’ fiscal year ending August 31, 2005, and
$20,000,000 (or the Australian Dollar Equivalent or NZ Dollar Equivalent) in the aggregate
during the Borrowers’ fiscal year ending August 31, 2006; provided, however, for any fiscal
year when Total Senior Funded Debt/EBITDA Ratio is less than 2.0 to 1.0 for each fiscal
quarter of such fiscal year, Capital Expenditures for such year shall not exceed $25,000,000
(or the Australian Dollar Equivalent or NZ Dollar Equivalent) for such fiscal year.”

     1.4. The Lenders hereby authorize the Administrative Agent to execute and deliver to the
Borrowers on its own behalf and on behalf of the Lenders (a) a First Amendment to Security
Agreement substantially in the form attached hereto as Exhibit A, (b) a Patent Collateral

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[CONFORMED COPY]

Agreement substantially in the form attached hereto as Exhibit B, and (c) a Patent Collateral
Agreement substantially in the form attached hereto as Exhibit C.

Section 2. Conditions Precedent.

     The effectiveness of this Amendment is subject to the satisfaction of all of the following
conditions precedent:

     2.1. The Borrowers, the Guarantors, the Australian Agent, the Australian Trustee, the
Administrative Agent and the Lenders shall have executed and delivered this Amendment.

     2.2. Each of the representations and warranties set forth in Section 5 of the Credit
Agreement shall be true and correct in all material respects, except that the
representations and warranties made under Section 5.5 shall be deemed to refer to the most
recent financial statements of the Borrowers delivered to the Lenders.

     2.3. Upon giving effect to this Amendment, (a) the Borrowers shall be in full
compliance with all of the terms and conditions of the Loan Documents and (b) no Default or
Event of Default shall have occurred and be continuing thereunder or shall result after
giving effect to this Amendment.

     2.4. The Borrowers shall have paid to the Administrative Agent for the account of the
Lenders an amendment fee in an amount equal to one-eighth of one percent (0.125%) of the
aggregate amount of all revolving credit commitments and term loans outstanding under the
Credit Agreement and the Australian Credit Agreements.

Section 3. Representations.

     In order to induce the Lenders to execute and deliver this Amendment, the Borrowers hereby
represents to the Lenders that as of the date hereof, and after giving effect to the amendments
called for hereby, the representations and warranties set forth in Section 5 of the Credit
Agreement are and shall be and remain true and correct in all material respects (except that for
purposes of this paragraph the representations contained in Section 5.5 shall be deemed to refer to
the most recent financial statements of the Borrowers delivered to the Lenders) and after giving
effect to this Amendment (a) the Borrowers are in compliance with all of the terms and conditions
of the Loan Documents and (b) no Default or Event of Default exists under the Credit Agreement or
shall result after giving effect to this Amendment.

Section 4. Miscellaneous.

     4.1. The Borrowers and the Guarantors heretofore executed and delivered to the Agent and the
Lenders the Collateral Documents to which it is a party. Each of the Borrowers and the Guarantors
hereby acknowledges and agrees that the Liens created and provided for by the Collateral Documents
to which it is a party continue to secure, among other things, the indebtedness, obligations and
liabilities described therein; and the Collateral Documents to

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[CONFORMED COPY]

which it is a party and the rights and remedies of the Agents and the Lenders thereunder, the
obligations of the Borrowers and the Guarantors thereunder, and the Liens created and provided for
thereunder remain in full force and effect and shall not be affected, impaired or discharged
hereby. Nothing herein contained shall in any manner affect or impair the priority of the Liens
created and provided for by the Collateral Documents to which it is a party as to the indebtedness,
obligations and liabilities which would be secured thereby prior to giving effect to this
Amendment.

     4.2. Except as specifically amended herein or waived hereby, the Credit Agreement shall
continue in full force and effect in accordance with its original terms. Reference to this
specific Amendment need not be made in the Credit Agreement, the other Loan Documents, or any other
instrument or document executed in connection therewith, or in any certificate, letter or
communication issued or made pursuant to or with respect to the Credit Agreement, any reference in
any of such items to the Credit Agreement being sufficient to refer to the Credit Agreement as
amended hereby.

     4.3. This Amendment may be executed in any number of counterparts, and by the different
parties on different counterpart signature pages, all of which taken together shall constitute one
and the same agreement. Any of the parties hereto may execute this Amendment by signing any such
counterpart and each of such counterparts shall for all purposes be deemed to be an original. This
Amendment shall be governed by the internal laws of the State of Illinois.

     4.4. The Borrowers jointly and severally agree to pay all reasonable out-of-pocket costs and
expenses incurred by the Administrative Agent in connection with the credit facilities and the
preparation, execution and delivery of this Amendment, and the documents and transactions
contemplated hereby, including the reasonable fees and expenses of counsel for the Administrative
Agent with respect to the foregoing.

[Remainder of Page Intentionally Left Blank]

-4-

 

[CONFORMED COPY]

     This First Amendment to Credit Agreement is entered into as of the date and year first above
written.

	 	 	 	 	 
	 	“U.S. Borrower”

Penford Corporation

 	 
	 	By:  	/s/ Steven O. Cordier
 	 
	 	 	Name:  	Steven O. Cordier 	 
	 	 	Title:  	Sr. VP, CFO, Secretary 	 
	 

	 	 	 	 	 
	 	“Australian Borrowers”

Penford Australia Limited

 	 
	 	By:  	/s/ Steven O. Cordier
 	 
	 	 	Name:  	Steven O. Cordier 	 
	 	 	Title:  	Sr. VP, CFO, Secretary, Director 	 
	 

	 	 	 	 	 
	 	Penford Holdings Pty. Limited

 	 
	 	By:  	/s/ Steven O. Cordier
 	 
	 	 	Name:  	Steven O. Cordier 	 
	 	 	Title:  	Director 	 
	 

	 	 	 	 	 
	 	 “Guarantors”

Penford Products Co.

 	 
	 	By:  	/s/ Steven O. Cordier
 	 
	 	 	Name:  	Steven O. Cordier 	 
	 	 	Title:  	Sr. VP, CFO, Secretary 	 
	 

Penford Corporation

Signature Page to First Amendment

to Credit Agreement

 

 

[CONFORMED COPY]

     Accepted and agreed to as of the date and year last above written.

	 	 	 	 	 
	 	“U.S. Lenders”

Harris Trust and Savings Bank, in its

   individual capacity as a Lender, as U.S. L/C

   Issuer, and as Administrative Agent

 	 
	 	By:  	/s/ Erica T. Kuhlmann
 	 
	 	 	Name:  	Erica T. Kuhlmann 	 
	 	 	Title:  	Managing Director 	 
	 

	 	 	 	 	 
	 	Wells Fargo Bank, N.A.

 	 
	 	By:  	/s/ Catherine M. Jones
 	 
	 	 	Name:  	Catherine M. Jones 	 
	 	 	Title:  	Vice President 	 
	 

	 	 	 	 	 
	 	U.S. Bank National Association

 	 
	 	By:  	/s/ Thomas McCarthy
 	 
	 	 	Name:  	Thomas McCarthy 	 
	 	 	Title:  	Vice President 	 
	 

	 	 	 	 	 
	 	LaSalle Bank National Association

 	 
	 	By:  	/s/ Keith J. Cable
 	 
	 	 	Name:  	Keith J. Cable 	 
	 	 	Title:  	Vice President 	 
	 

	 	 	 	 	 
	 	Cooperative Centrale

   Raiffeisen-Boerenleenbank B.A., “Rabobank

   Nederland,” New York 

 	 
	 	 	 
	 	 	 
	 	 	 
	 

Penford Corporation

Signature Page to First Amendment

to Credit Agreement

 

 

[CONFORMED COPY]
	 	 	 	 	 
	 	   Branch

 	 
	 	By:  	/s/ Eric Hurshman
 	 
	 	 	Name:  	Eric Hurshman 	 
	 	 	Title:  	Executive Director 	 
	 

	 	 	 	 	 
	 	 	 
	 	By:  	                                                  /s/ Brett Delfino
 	 
	 	 	Name:  	Brett Delfino 	 
	 	 	Title:  	Executive Director 	 
	 

	 	 	 	 	 
	 	 

“Australian Lender”

Australia and New Zealand Banking Group

    Limited, in its individual capacity as

    Australian Lender and as Australian Agent

 	 
	 	By:  	 	 
	 	 	Name 	 
	 	 	Title 	 
	 

	 	 	 	 	 
	 	ANZ Capel Court Limited, as Australian Trustee

 	 
	 	By:  	 	 
	 	 	Name 	 
	 	 	Title 	 
	 

Penford Corporation

Signature Page to First Amendment

to Credit Agreement

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