Document:

Exhibit 10.1

 EXHIBIT 10.1 

Citibank Europe PLC, UK Branch, as Administrative Agent 

    for the Lenders party to the Credit Agreement 

    referred to below 
 Ladies and Gentlemen:

 Each of the undersigned Lenders (each such Lender, an “Extending Lender”) hereby agrees to extend, effective
4 February 2020, its Commitment and the Maturity Date under the Credit Agreement, dated as of 12 February 2013 (as amended or modified from time to time, the “Credit Agreement,” the terms defined therein being used herein
as therein defined), among Philip Morris International Inc. (“PMI”), the Lenders party thereto and Citibank Europe PLC, UK Branch (legal successor to Citibank International Limited), as Administrative Agent, for an additional 364-day period to 2 February 2021 pursuant to Section 2.19 of the Credit Agreement. 
 Effective
4 February 2020 Schedule 4 Revolving Credit Commitments is hereby deleted in its entirety and is replaced with Schedule 4 Revolving Credit Commitments attached hereto subject to the addition of one or more Assuming Lenders prior to the Maturity
Date, provided that total aggregate Revolving Credit Commitments shall in no event exceed $2,000,000,000. 
 Effective upon the due
execution and delivery of this Amendment and Extension Agreement by the Required Lenders pursuant to Section 9.1 of the Credit Agreement, the Credit Agreement is hereby amended as follows: (i) the definitions of “Consolidated
EBITDA” and “Consolidated Interest Expense” in Section 1.1 are deleted in their entirety, (ii) Section 5.1(b) Maintenance of Ratio of Consolidated EBITDA to Consolidated Interest Expense is deleted in its entirety and
replaced with: “Intentionally Omitted.”, (iii) Section 5.1(c)(v) is deleted in its entirety and replaced with: “Intentionally Omitted.” and (iv) Section 6.1(c)(i) is deleted in its entirety and replaced with:
“any term, covenant or agreement contained in Section 5.2(b),”. 
 Except as expressly provided hereby, all of the terms and
provisions of the Credit Agreement are and shall remain in full force and effect and are hereby ratified and confirmed. 
 This Amendment
and Extension Agreement shall be governed by, and construed in accordance with, the laws of the State of New York. This Amendment and Extension Agreement may be signed in any number of counterparts, each of which when executed shall be deemed to be
an original and all of which taken together shall constitute one and the same agreement. 
 [Signature pages omitted]EX-4.1

 Exhibit 4.1 

AMENDMENT NO. 6 TO NOTE 

AMENDMENT NO. 6 TO NOTE (this “Amendment”), dated and effective as of January 30, 2020, is made by and between
the U.S. SMALL BUSINESS ADMINISTRATION (“SBA”), an agency of the United States, and its successors and assigns, and FRESHSTART VENTURE CAPITAL CORPORATION (the “Licensee”), a Small Business Investment Company,
licensed under the Small Business Investment Act of 1958, as amended, whose principal office is located at 437 Madison Avenue, New York, NY 10022. 

RECITALS 
 WHEREAS,
the Licensee issued that certain Note, effective as of March 1, 2017 in the principal amount of $34,024,755.58 (thirty-four million twenty-four thousand seven hundred fifty-five and 58/100 dollars) in favor of SBA (the “Existing
Note”). 
 WHEREAS, SBA and the Licensee have agreed, subject to the terms and conditions of this Amendment, that the
Existing Note be amended to reflect certain agreed upon revisions to the terms of the Existing Note. 
 NOW THEREFORE, SBA and the Licensee
hereby agree, in consideration of the mutual premises and mutual obligations set forth herein, that the Existing Note is hereby amended as follows: 

SECTION 1. Defined Terms. Except as otherwise indicated herein, all words and terms defined in the Existing Note shall have the
same meanings when used herein. 
 SECTION 2. Amendments. 

 

	 	a.	 In the last sentence of the second paragraph of the Existing Note the phrase, “February 1, 2020” is
hereby deleted in its entirety and replaced with the following: 

 “April 1, 2020” 

 

	 	b.	 In the third paragraph of the Existing Note the phrase, “February 1, 2020” is hereby deleted in its
entirety and replaced with the following: 

 “April 1, 2020” 

SECTION 3. Representations and Warranties. Each party hereby represents and warrants to the other party that it is in compliance
with all the terms and provisions set forth in the Existing Note on its part to be observed or performed and hereby confirms and reaffirms each of its representations and warranties contained in the Existing Note. 

SECTION 4. Limited Effect. Except as expressly amended and modified by this Amendment, the Existing Note shall continue to be,
and shall remain, in full force and effect in accordance with its terms (and as duly amended). 

  
 1 

 SECTION 5. Counterparts. This Amendment may be executed by each of the parties
hereto on any number of separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. Delivery of an executed signature page of this Amendment in Portable Document Format
(PDF) or by facsimile transmission shall be effective as delivery of an executed original counterpart of this Amendment. 
 SECTION
6. Governing Law. Pursuant to Section 101.106(b) of Part 13 of the Code of Federal Regulations, this Amendment is to be construed and enforced in accordance with the Act, the Regulations and other Federal law, and in the
absence of applicable Federal law, then by applicable New York law to the extent it does not conflict with the Act, the Regulations or other Federal law. 

[SIGNATURES APPEAR ON NEXT PAGE] 

  
 2 

 IN WITNESS WHEREOF, the parties have caused this Amendment to be executed by their
respective officers thereunto duly authorized, as of the date first above written. 
 FRESHSTART VENTURE CAPITAL CORPORATION 

 

					
	        	 	By:	 	 /s/ Thomas J. Munson

		 	Name:	 	Thomas J. Munson
		 	Title:	 	SVP
		
		 	U.S. SMALL BUSINESS ADMINISTRATION
			
		 	By:	 	 /s/ Thomas G. Morris

		 	Name:	 	Thomas G. Morris
		 	Title:	 	Director, O/L & Acting Deputy A/A OII

  
 3EX-10.1

 Exhibit 10.1 

AMENDMENT NO. 7 TO LOAN AGREEMENT 

AMENDMENT NO. 7 TO LOAN AGREEMENT (this “Amendment”), dated and effective as of January 30, 2020, is made by and
between the U.S. SMALL BUSINESS ADMINISTRATION (“SBA”), an agency of the United States, and its successors and assigns, and FRESHSTART VENTURE CAPITAL CORPORATION (the “Licensee”), a Small Business Investment
Company, licensed under the Small Business Investment Act of 1958, as amended, whose principal office is located at 437 Madison Avenue, New York, NY 10022. 

RECITALS 
 WHEREAS,
SBA and the Licensee are parties to that certain Loan Agreement, effective as of January 25, 2017 (as amended, the “Existing Agreement”); 

WHEREAS, SBA and the Licensee have agreed, subject to the terms and conditions of this Amendment, that the Existing Agreement be
amended to reflect certain agreed upon revisions to the terms of the Existing Agreement. 
 NOW THEREFORE, SBA and the Licensee hereby
agree, in consideration of the mutual premises and mutual obligations set forth herein, that the Existing Agreement is hereby amended as follows: 

SECTION 1. Defined Terms. Except as otherwise indicated herein, all words and terms defined in the Existing Agreement shall have
the same meanings when used herein. 
 SECTION 2. Amendments. 

a.    In the first sentence of Section 3 of the Existing Agreement the phrase, “February 1, 2020” is
hereby deleted in its entirety and replaced with the following: 
 “April 1, 2020” 

b.    In the second sentence of Section 3 of the Existing Agreement the phrase, “February 1, 2020” is
hereby deleted in its entirety and replaced with the following: 
 “April 1, 2020” 

c.    In the second sentence of Section 4 of the Existing Agreement the phrase, “February 1, 2020” is
hereby deleted in its entirety and replaced with the following: 
 “April 1, 2020” 

SECTION 3. Representations and Warranties. Each party hereby represents and warrants to the other party that it is in compliance
with all the terms and provisions set forth in the Existing Agreement on its part to be observed or performed and hereby confirms and reaffirms each of its representations and warranties contained in the Existing Agreement. Without limiting the
foregoing, Licensee represents and warrants to SBA that its consent to receivership and stipulation that are part of the Existing Agreement and that were executed on January 25, 2017 remain valid and enforceable against it by SBA. 

 SECTION 4. Limited Effect. Except as expressly amended and modified by this
Amendment, the Existing Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms (and as duly amended). 

SECTION 5. Counterparts. This Amendment may be executed by each of the parties hereto on any number of separate counterparts,
each of which shall be an original and all of which taken together shall constitute one and the same instrument. Delivery of an executed signature page of this Amendment in Portable Document Format (PDF) or by facsimile transmission shall be
effective as delivery of an executed original counterpart of this Amendment. 
 SECTION 6. Governing Law. Pursuant to
Section 101.106(b) of Part 13 of the Code of Federal Regulations, this Amendment is to be construed and enforced in accordance with the Act, the Regulations and other Federal law, and in the absence of applicable Federal law, then by applicable
New York law to the extent it does not conflict with the Act, the Regulations or other Federal law. 
 [SIGNATURES APPEAR ON NEXT PAGE] 

 IN WITNESS WHEREOF, the parties have caused this Amendment to be executed by their
respective officers thereunto duly authorized, as of the date first above written. 
 FRESHSTART VENTURE CAPITAL CORPORATION

  

					
	        	 	By:	 	 /s/ Thomas J. Munson

		 	Name:	 	Thomas J. Munson
		 	Title:	 	SVP
		
		 	U.S. SMALL BUSINESS ADMINISTRATION
			
		 	By:	 	 /s/ Thomas G. Morris

		 	Name:	 	Thomas G. Morris
		 	Title:	 	Director O/L & Acting Deputy A/A OII

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