Document:

Exhibit 10.2

 

FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of September 27, 2012, by and among First Data Corporation, a Delaware company (the “Issuer”), the Guarantors party hereto (the “Guarantors”) and Wells Fargo Bank, National Association, as trustee (the “Trustee”).

 

W I T N E S S E T H

 

WHEREAS, each of the Issuer and the Guarantors (as defined in the Indenture referred to below) has heretofore executed and delivered to the Trustee an indenture (the “Indenture”), dated as of August 16, 2012, providing for the issuance of 63⁄4% Senior Secured Notes due 2020  (the “2020 Notes”);

 

WHEREAS, Section 2.01(d) of the Indenture provides that Additional Notes ranking pari passu with the Initial Notes may be created and issued from time to time by the Issuer (subject to the Issuer’s compliance with Section 4.09 of the Indenture) without notice to or consent of the Holders and shall be consolidated with and form a single class with the Initial Notes and shall have the same terms as to status, redemption or otherwise as the Initial Notes; and

 

WHEREAS, the Issuer and the Guarantors desire to execute and deliver this Supplemental Indenture for the purpose of issuing $850,000,000 in aggregate principal amount of additional notes, having terms substantially identical in all material respects to the 2020 Notes (the “Additional Notes” and, together with the 2020 Notes, the “Notes”); and

 

WHEREAS, pursuant to Section 9.01 of the Indenture, the Trustee is authorized to execute and deliver this Supplemental Indenture.

 

NOW THEREFORE, in consideration of the foregoing and for other good and valuable consideration, the receipt of which is hereby acknowledged, the parties mutually covenant and agree for the equal and ratable benefit of the Holders of the Notes as follows:

 

(1)                                  Capitalized Terms.  Capitalized terms used herein without definition shall have the meanings assigned to them in the Indenture.

 

(2)                                  Additional Securities.  As of the date hereof, the Issuer will issue, and the Trustee is directed to authenticate and deliver, the Additional Notes under the Indenture, having terms substantially identical in all material respects to the 2020 Notes, at an issue price of 100.750%, plus accrued and unpaid interest from August 16, 2012.  The 2020 Notes and the Additional Notes shall be treated as a single class for all purposes under the Indenture.

 

(3)                                  Governing Law.  THIS SUPPLEMENTAL INDENTURE WILL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

 

(4)                                  Counterparts.  The parties may sign any number of copies of this Supplemental Indenture.  Each signed copy shall be an original, but all of them together represent the same agreement.

 

(5)                                  Effect of Headings.  The Section headings herein are for convenience only and shall not affect the construction hereof.

 

 

(6)                                  The Trustee.  The Trustee shall not be responsible in any manner whatsoever for or in respect of the validity or sufficiency of this Supplemental Indenture or for or in respect of the recitals contained herein, all of which recitals are made solely by the Issuer and the Guarantors.

 

(7)                                  Continued Effect. Except as expressly supplemented and amended by this Supplemental Indenture, the Indenture shall continue in full force and effect in accordance with the provisions thereof, and the Indenture (as supplemented and amended by this Supplemental Indenture) is in all respects hereby ratified and confirmed. This Supplemental Indenture and all the terms and conditions of this Supplemental Indenture, with respect to the Notes, shall be and be deemed to be part of the terms and conditions of the Indenture for any and all purposes.

 

The remainder of this page is intentionally left blank.

 

 

IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly executed, all as of the date first above written.

 

 

	
 
    	
Very   truly yours,
    
	
 
    	
 
    
	
 
    	
FIRST   DATA CORPORATION
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/   Michael A. Jacobs
    
	
 
    	
Name:
    	
Michael   A. Jacobs
    
	
 
    	
Title:
    	
Senior   Vice President and Treasurer
    

 

[Supplemental Indenture Signature Page]

 

 

	
 
    	
The   following entities, each as Guarantor:
    
	
 
    	
 
    
	
 
    	
BANKCARD   INVESTIGATIVE GROUP INC.
    
	
 
    	
BUYPASS   INCO CORPORATION
    
	
 
    	
CALL   INTERACTIVE HOLDINGS LLC
    
	
 
    	
CARDSERVICE   INTERNATIONAL, LLC
    
	
 
    	
CESI   HOLDINGS, INC.
    
	
 
    	
CONCORD   COMPUTING CORPORATION
    
	
 
    	
CONCORD   CORPORATE SERVICES, INC.
    
	
 
    	
CONCORD EFS FINANCIAL SERVICES, INC.
    
	
 
    	
CONCORD   EFS, INC.
    
	
 
    	
CONCORD   EMERGING TECHNOLOGIES, INC.
    
	
 
    	
CONCORD   FINANCIAL TECHNOLOGIES, INC.
    
	
 
    	
CONCORD   ONE, LLC
    
	
 
    	
CONCORD   PAYMENT SERVICES, INC.
    
	
 
    	
CONCORD   PROCESSING, INC.
    
	
 
    	
CONCORD   TRANSACTION SERVICES, LLC
    
	
 
    	
CTS   HOLDINGS, LLC
    
	
 
    	
CTS, INC.
    
	
 
    	
EPSF   CORPORATION
    
	
 
    	
FDFS   HOLDINGS, LLC
    
	
 
    	
FDGS   GROUP LLC
    
	
 
    	
FDR   IRELAND LIMITED
    
	
 
    	
FDR   MISSOURI INC.
    
	
 
    	
FDS   HOLDINGS INC.
    
	
 
    	
FIRST   DATA CAPITAL, INC.
    
	
 
    	
FIRST   DATA CARD SOLUTIONS, INC.
    
	
 
    	
FIRST   DATA COMMERCIAL SERVICES HOLDINGS, INC.
    
	
 
    	
FIRST   DATA COMMUNICATIONS CORPORATION
    
	
 
    	
FIRST   DATA EC, LLC
    
	
 
    	
FIRST   DATA GOVERNMENT SOLUTIONS, INC.
    
	
 
    	
FIRST   DATA GOVERNMENT SOLUTIONS, LP
    
	
 
    	
FIRST   DATA LATIN AMERICA INC.
    
	
 
    	
FIRST   DATA MERCHANT SERVICES CORPORATION
    
	
 
    	
FIRST   DATA MERCHANT SERVICES NORTHEAST, LLC
    
	
 
    	
FIRST   DATA MERCHANT SERVICES SOUTHEAST, L.L.C.
    
	
 
    	
FIRST   DATA MOBILE HOLDINGS, INC.
    
	
 
    	
FIRST   DATA PAYMENT SERVICES, LLC
    
	
 
    	
FIRST   DATA REAL ESTATE HOLDINGS L.L.C.
    
	
 
    	
FIRST   DATA RESOURCES, LLC
    
	
 
    	
FIRST   DATA RETAIL ATM SERVICES L.P.
    
	
 
    	
FIRST   DATA SECURE LLC
    
	
 
    	
FIRST   DATA SOLUTIONS INC.
    
	
 
    	
FIRST   DATA TECHNOLOGIES, INC.
    
	
 
    	
FIRST   DATA TRANSPORTATION SERVICES INC.
    
	
 
    	
FIRST   DATA VOICE SERVICES
    
	
 
    	
FSM   SERVICES INC.
    
	
 
    	
FUNDSXPRESS, INC.
    
	
 
    	
FUNDSXPRESS   FINANCIAL NETWORK, INC.
    

 

[Supplemental Indenture Signature Page]

 

 

	
 
    	
GIFT   CARD SERVICES, INC.
    
	
 
    	
GRATITUDE   HOLDINGS LLC
    
	
 
    	
INSTANT   CASH SERVICES, LLC
    
	
 
    	
LINKPOINT   INTERNATIONAL, INC.
    
	
 
    	
LOYALTYCO   LLC
    
	
 
    	
MAS   INCO CORPORATION
    
	
 
    	
MAS   OHIO CORPORATION
    
	
 
    	
MONEY   NETWORK FINANCIAL, LLC
    
	
 
    	
NATIONAL   PAYMENT SYSTEMS INC.
    
	
 
    	
NEW   PAYMENT SERVICES, INC.
    
	
 
    	
PAYPOINT   ELECTRONIC PAYMENT SYSTEMS, LLC
    
	
 
    	
PAYSYS   INTERNATIONAL, INC.
    
	
 
    	
REMITCO   LLC
    
	
 
    	
SAGEBRUSH   HOLDINGS LLC
    
	
 
    	
SIZE   TECHNOLOGIES, INC.
    
	
 
    	
STAR   NETWORKS, INC.
    
	
 
    	
STAR   PROCESSING, INC.
    
	
 
    	
STAR   SYSTEMS ASSETS, INC.
    
	
 
    	
STAR   SYSTEMS, INC.
    
	
 
    	
STAR   SYSTEMS, LLC
    
	
 
    	
STRATEGIC   INVESTMENT ALTERNATIVES LLC
    
	
 
    	
TASQ   LLC
    
	
 
    	
TASQ   TECHNOLOGY, INC.
    
	
 
    	
TELECHECK   INTERNATIONAL, INC.
    
	
 
    	
TELECHECK   PITTSBURGH/WEST VIRGINIA, INC.
    
	
 
    	
TRANSACTION   SOLUTIONS, LLC
    
	
 
    	
UNIFIED   MERCHANT SERVICES
    
	
 
    	
VALUELINK,   LLC
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/   Michael A. Jacobs
    
	
 
    	
 
    	
Name:    Michael A. Jacobs
    
	
 
    	
 
    	
Title:     Treasurer
    

 

[Supplemental Indenture Signature Page]

 

 

	
 
    	
FDR   Limited, as Guarantor
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Rosalind Rayman
    
	
 
    	
Name:
    	
Rosalind   Rayman
    
	
 
    	
Title:
    	
Secretary
    

 

[Supplemental Indenture Signature Page]

 

 

	
 
    	
TELECHECK   SERVICES, INC., as Guarantor
    
	
 
    	
 
    
	
 
    	
By:
    	
/s/   Mark S. Wallin
    
	
 
    	
Name:
    	
Mark S.   Wallin
    
	
 
    	
Title:
    	
President
    

 

[Supplemental Indenture Signature Page]

 

 

	
 
    	
WELLS   FARGO BANK, NATIONAL ASSOCIATION,
   as Trustee
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Raymond Delli Colli
    
	
 
    	
 
    	
Name:    Raymond Delli Colli
    
	
 
    	
 
    	
Title:     Vice President
    

 

[Supplemental Indenture Signature Page]Exhibit 10.1

 

	
 
    	
EXECUTION   VERSION
    

 

Temporary Increase Agreement

 

	
 
    	
September 28,   2012
    

 

Walker & Dunlop, LLC

7501 Wisconsin Avenue

Suite 1200E

Bethesda, Maryland  20814-6531

 

Re:                             Warehousing Credit and Security Agreement - Temporary Warehousing Commitment Increase

 

Ladies and Gentlemen:

 

Reference is made to that certain Warehousing Credit and Security Agreement (as amended and in effect, and as supplemented, the “Credit Agreement”) dated as of September 4, 2012, by and among Walker & Dunlop, LLC (the “Borrower”) and Bank of America, N.A. as Credit Agent (the “Credit Agent”), and Bank of America, N.A., in its capacity as the sole lender as of the date hereof (the “Lender”).  Capitalized terms used herein without definition shall have the same meanings herein as in the Credit Agreement.

 

The Borrower has requested that the Lender temporarily increase (the “Temporary Increase Commitment”) the Warehousing Commitment Amount by $640,000,000 (the “Temporary Increase Amount”), and the Lender has agreed to so temporarily increase the Warehousing Commitment Amount, subject to, and on, the terms and conditions set forth herein.

 

Accordingly, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Borrower, the Credit Agent, and the Lender hereby agree as follows:

 

1.                                      Temporary Increase in Warehousing Commitment Amount.

 

(a)                                 Subject to and on the terms and conditions set forth in this agreement, for the period (the “Temporary Commitment Increase Period”) commencing on the date hereof (the “Temporary Commitment Increase Effective Date”) to, but not including, the Temporary Commitment Increase Termination Date (as defined in Section 1(b) below), the Warehousing Commitment Amount shall be increased by $640,000,000.

 

(b)                                 On the Temporary Commitment Increase Termination Date, automatically, without notice or demand, the Temporary Increase Commitment will terminate, and the Warehousing Commitment Amount shall be restored to the then amount of the Warehousing Commitment Amount determined pursuant to the provisions

 

 

of the Credit Agreement without taking into account the Temporary Increase Amount.  As used herein, the term “Temporary Commitment Increase Termination Date” means the earliest to occur of (i) 2:00 P.M. on December 6, 2012, (ii) the occurrence of an Event of Default, or (iii) the termination of the Warehousing Commitment pursuant to Section 10.2 of the Credit Agreement.

 

2.                                      Borrowings and Payments of Warehousing Advances.  Borrowings of the Temporary Increase Amount shall not be available to the Borrower unless and until all amounts under the existing Warehousing Commitment (without giving effect to the Temporary Increase Commitment) have first been funded.  Borrowings of the Temporary Increase Amount shall be subject to all applicable conditions for Warehousing Advances and other applicable provisions of the Credit Agreement.  For avoidance of doubt, all Warehousing Advances funded with the Temporary Increase Commitment shall accrue interest in accordance with the provisions of Section 3.1 of the Credit Agreement. In addition to the applicable provisions of this agreement, payments of amounts so borrowed shall be subject to all of the applicable provisions of the Credit Agreement for payments and prepayments of Warehousing Advances.  Without limiting the provisions of Section 3.3 of the Credit Agreement (Principal Payments), so long as any Warehousing Advances which have been funded under the Temporary Increase Commitment remain unpaid, any repayments of Warehousing Advances made by the Borrower during the Temporary Commitment Increase Period shall be accompanied by a written statement to the Credit Agent directing the Credit Agent to apply such principal payment in reduction of the then outstanding principal balance of the Loan under either (i) the Warehousing Commitment (without giving effect to the Temporary Increase Commitment), or (ii) the Temporary Increase Commitment.

 

3.                                      Temporary Increase Note.  To evidence the Temporary Increase Commitment, the Borrower shall execute and deliver to the Lender a promissory note, in the form provided by the Lender, in a face amount equal to the Temporary Increase Amount (the “Temporary Increase Note”).

 

4.                                      Payment Upon Temporary Commitment Increase Termination Date. By 2:00 P.M., Boston time, on the Temporary Commitment Increase Termination Date, the Borrower shall, without notice or demand, pay to Credit Agent, for the benefit of the Lender, that amount which is necessary to reduce the outstanding principal balance of the Loan to the maximum principal balance of the Loan then permitted to be outstanding under the Credit Agreement under all other applicable provisions of the Credit Agreement (none of which are being affected by this agreement), after giving effect to the termination of the Temporary Increase Commitment.  The failure of the Borrower to so comply with the foregoing provision shall constitute an immediate Event of Default without notice or demand by the Lender.

 

5.                                      Usage Fee; Lender’s Return. As consideration for the Lender’s agreement to temporarily increase the Warehousing Commitment Amount as provided herein, the Borrower shall pay to the Lender the following amounts, at the times specified, which amounts shall be deemed to be fully earned upon the Borrower’s execution of this agreement:

 

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(a)                                 At the end of the Temporary Commitment Increase Period, Credit Agent will determine the average usage of the Temporary Increase Commitment during the Temporary Commitment Increase Period by calculating the arithmetic daily average of the outstanding Warehousing Advances which were funded pursuant to the Temporary Increase Amount during the Temporary Commitment Increase Period (“Used Portion”). Borrower agrees to pay to Credit Agent, for the benefit of the Lender, a fee (“Usage Fee”) in an amount of 0.20% per annum of the Used Portion during such Temporary Commitment Increase Period.  Borrower shall pay to the Credit Agent, for the benefit of the Lender, the Usage Fee within three (3) Business Days after the date of Credit Agent’s invoice.  Credit Agent’s determination of the Usage Fee is computed on the basis of the actual number of days in each month and a year of 360 days, and is conclusive and binding, absent manifest error.

 

(b)                                 At the end of the Temporary Commitment Increase Period, Credit Agent will calculate the amount of interest which accrued at the Applicable Margin, in accordance with the provisions of the Credit Agreement on the aggregate outstanding principal balance of all Warehousing Advances which were funded pursuant to the Temporary Increase Amount during the Temporary Commitment Increase Period (the “Accrued Interest”).  In the event the Accrued Interest is less than $1,000,000, the Credit Agent shall so notify the Borrower, and within three (3) Business Days after the date of the Credit Agent’s invoice therefor, the Borrower shall pay to the Credit Agent, for the benefit of the Lender, an amount equal to the $1,000,000 minus the Accrued Interest.

 

6.                                      Amendments to Credit Agreement.

 

(a)                                 The definition of “Outside Sell Down Date” which is set forth on Page 13-12 of the Credit Agreement is hereby deleted in its entirety, and the following substituted in its stead:

 

““Outside Sell Down Date” means December 6, 2012.”

 

(b)                                 Without limiting the provisions of the Credit Agreement, including, without limitation, the provisions of Exhibit C (Eligible Loans and Other Assets),   the Borrower, the Credit Agent and the Lenders hereby acknowledge and agree that the following Mortgage Loans which are intended to be subject to Purchase Commitments may only be purchased by the following respective Investors:

 

	
Mortgage Loan
    	
 
    	
Investor
    
	
Fairfield
    	
 
    	
Freddie Mac
    
	
 
    	
 
    	
 
    
	
TGM
    	
 
    	
Credit Suisse Securities
    
	
 
    	
 
    	
 
    
	
Waterfront
    	
 
    	
Any of the following Investors:

Bank of America Securities

Citigroup/Smith Barney Securities
    

 

3

 

	
 
    	
 
    	
Credit Suisse Securities

Deutsche Securities

Duncan-Williams, Inc.

Freddie Mac

Goldman Sachs Securities

JP Morgan Securities Inc.

Morgan Stanley Securities

Nomura Securities

RBC Securities

RBS Securities

UBS Securities

Wells Fargo Securities
    

 

7.                                      Borrower Acknowledgements.  The Borrower acknowledges, confirms and agrees that:

 

(a)                                 All references in any Loan Document to the Borrower’s obligations to the Lender shall mean and include the Obligations as affected by this agreement and the Borrower’s obligations under the Temporary Increase Note.

 

(b)                                 This agreement and the Temporary Increase Note each shall constitute a Loan Document.

 

(c)                                  Except as provided herein, the terms and conditions of the Loan Agreement and the other Loan Documents remain in full force and effect, and the Borrower hereby ratifies, confirms and reaffirms all and singular of the terms and conditions of the Loan Agreement and the other Loan Documents.

 

(d)                                 The Borrower has no claims, counterclaims, offsets, or defenses against the Credit Agent or the Lender directly or indirectly relating to the Borrower’s relationship with the Credit Agent and the Lender with respect to the Loan and/or the Borrower’s obligations under any Loan Document, and, to the extent that Borrower has or ever had any such claims, counterclaims, offsets, or defenses, the Borrower irrevocably waives the same and releases the Credit Agent and the Lender therefrom.

 

(e)                                  The Borrower shall promptly pay upon receipt of an invoice or statement therefor the reasonable attorneys’ fees and expenses incurred by the Credit Agent in connection with this agreement.

 

4

 

8.                                      Representations and Warranties.  The Borrower hereby represents and warrants to the Credit Agent and the Lender as follows:

 

(a)                                 No Default or Event of Default exists as of the date the Borrower executes this agreement, nor will a Default or Event of Default exist as of the Temporary Commitment Increase Effective Date.

 

(b)                                 The representations and warranties made by the Borrower in the Loan Agreement and the other Loan Documents are true and correct as of the date hereof, and will be true and correct as of the Temporary Commitment Increase Effective Date, except as to (i) matters which speak to a specific date, (ii) changes in the ordinary course to the extent permitted and contemplated by the Loan Agreement, and (iii) matters previously disclosed to and approved in writing by the Credit Agent.

 

(c)                                  The Borrower has the power and authority and legal right to execute, deliver and perform this agreement and the Temporary Increase Note, has taken all necessary action to authorize the execution, delivery, and performance of this agreement and the Temporary Increase Note, and the person executing and delivering this Amendment and the Temporary Increase Note on behalf of the Borrower is duly authorized to do so.

 

(d)                                 This agreement and the Temporary Increase Note constitute the legal, valid and binding obligation of the Borrower, enforceable against the Borrower in accordance with their terms, subject to the effect of applicable bankruptcy and other similar laws affecting the rights of creditors generally and the effect of equitable principles whether applied in an action at law or a suit in equity.

 

9.                                      Conditions Precedent.  This agreement shall be effective only upon the satisfaction by the Borrower of, or written waiver by the Credit Agent of, the following conditions and any other conditions set forth in this agreement:

 

(a)                                 This agreement shall have been duly executed and delivered by the respective parties hereto, and the Borrower shall have delivered the duly executed Temporary Increase Note to the Lender.

 

(b)                                 All actions on the part of the Borrower necessary for the valid execution, delivery and performance by the Borrower of this agreement and the Temporary Increase Note shall have been duly and effectively taken, and evidence thereof satisfactory to the Credit Agent shall have been provided to the Credit Agent, including a Certificate of the Secretary of the Borrower as to all necessary consents, approvals, resolutions and the like with respect to the authorization of the Borrower to enter into, execute and deliver, and perform its obligations under this agreement and the Temporary Increase Note, and the incumbency and authenticity of the signatures of the Person or Persons executing this agreement and the Temporary Increase Note, and any other documents to be executed and delivered by or on behalf of the Borrower in connection herewith.

 

5

 

(c)                                  The Borrower shall have provided such additional documents to the Lender as the Lender may have reasonably requested.

 

(d)                                 No Default or Event of Default shall have occurred and be continuing.

 

10.                               Miscellaneous

 

(a)                                 This agreement may be executed in several counterparts and by each party on a separate counterpart, each of which when so executed and delivered shall be an original, and all of which together shall constitute one instrument.  Signatures transmitted electronically (including by fax or e-mail) shall have the same legal effect as originals, but each party nevertheless shall deliver original signed counterparts of this Amendment to each other party.

 

(b)                                 The Borrower shall reimburse the Credit Agent for actual and reasonable out-of-pocket expenses incurred in connection with the preparation, negotiation, and execution of this agreement as provided for in Section 12.2 of the Credit Agreement.

 

(c)                                  This agreement expresses the entire understanding of the parties with respect to the subject matter hereof.  No prior negotiations or discussions shall limit, modify, or otherwise affect the provisions hereof.

 

(d)                                 Unless and until otherwise specifically and unambiguously set forth in writing by the Credit Agent, the Credit Agent’s (or its counsel’s) delivery of unsigned copies of, or of subsequent revisions to, this agreement (and/or any related documents) is solely for the purposes of review by the Borrower and its counsel, and neither such delivery, any prior or subsequent communications, nor the negotiation of any terms or provisions of this agreement (and/or any related documents), between the Credit Agent and the Lender and the Borrower (and/or their respective counsel), whether oral or written, shall in any way be construed as an offer or commitment by the Credit Agent or the Lender to enter into this agreement, nor in any way imply that the Credit Agent or the Lender is under any obligation to enter into this agreement.  The decision of the Credit Agent and the Lender whether to enter into, or to consider entering into, the within Amendment is in their sole and absolute discretion.  The signing of this agreement by the Borrower shall not be deemed to create any agreement by the Credit Agent and the Lender unless and until, in their sole and absolute discretion, the Credit Agent and the Lender have signed this agreement and delivered it to the Borrower or its counsel.

 

(e)                                  This agreement shall be governed in accordance with the internal laws of the Commonwealth of Massachusetts (without regard to conflict of laws principles) as an instrument under seal.

 

(f)                                   Time is of the essence hereunder.

 

[Signatures follow]

 

6

 

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

 

 

	
BORROWER:
    	
WALKER &   DUNLOP, LLC
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By
    	
 /s/ Deborah Wilson
    
	
 
    	
Name:   Deborah Wilson
    
	
 
    	
Its:   EVP, CFO & Treasurer
    
	
 
    	
 
    
	
 
    	
 
    
	
CREDIT   AGENT:
    	
BANK   OF AMERICA, N.A.
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By   
    	
/s/   John F. Simon
    
	
 
    	
Name:   John F. Simon
    
	
 
    	
Its:   SVP
    
	
 
    	
 
    
	
 
    	
 
    
	
LENDER:
    	
BANK   OF AMERICA, N.A.
    
	
 
    	
 
    
	
 
    	
 
    
	
 
    	
By   
    	
/s/   John F. Simon
    
	
 
    	
Name:   John F. Simon
    
	
 
    	
Its:   SVP

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