Document:

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                                                                 Exhibit 10.15.1

                                 FOURTH ADDENDUM
                                10,000 SF PORTION

In reference to the contract (Standard Industrial/Commercial Multi-Tenant Lease
- Modified Net) dated April 24, 1997 covering the premises commonly known as
2142 Research Drive, Livermore CA 94550 between FORMFACTOR, INC. (a Delaware
corporation) as Lessee and PAUL E. IACONO as Lessor.

                        FIRST OPTION TO EXTEND LEASE TERM

Per the terms in Paragraph 52 of the subject Lease, Lessee is exercising their
first Option to Extend the term for twelve (12) months commencing February 1,
2003 (10,000 SF portion).

The new rental rate is as follows: Month 1 through 12 $5,986.00/Month NNN

OPTION TO EXTEND

Lessor hereby grants to lessee one (1) additional "option to Extend" the lease
term. The "Option to Extend the lease term shall be for a one (1) year lease
term on the same terms and conditions as set forth in the Lease, but at an
increased rent set forth in the following paragraph. The Option to Extend shall
be exercised only by written notice delivered to Lessor at least ninety (90)
days prior to the expiration of the lease term. If Lessee fails to deliver
Lessor written notice to exercise the Option to Extend the lease term within the
prescribed time period, said Option shall lapse, and there shall be no further
right to extend the lease term. The Option shall be exercised by Lessee on the
expressed conditions that (a) at the time of the exercise, and at all times
prior to the commencement of such Extension, Lessee shall not be in default
under any of the provisions of the Lease and (b) Lessee has not been ten (10) or
more days late in the payment of rent more than a total of three (3) times
during the Lease term.

OPTION TO EXTEND-BASE RENT

Months 01-12 Rent per month shall be changed*at C.P.I.. adjustment

*C.P.I. ADJUSTMENT

The rent described in the above paragraph shall be adjusted upon the exercised
"Option to Extend" lease. On the "adjustment date," the rent shall be adjusted
in the same percentage Proportion that the Consumer Price Index, for All Urban
Consumers "All Items" for the San Francisco-Oakland area compiled by the U.S.
Department of Labor, Bureau of Labor Statistics ("the index"), has changed as
compared to the last published Consumer Price Index prior to the previous
"adjustment date." In no event, however, shall the rent be less than that
described above. If the Index is discontinued or revised, such other government
index or computation with which it is replaced shall be used in order to obtain
substantially the same result as would be obtained if the Index had not been
discontinued or revised.

SECURITY DEPOSIT:

Lessor is now holding $6,015.00 as a security deposit per Paragraph 1.7 and
Paragraph 5 per the terms of the April 24, 1997 Lease.

READ AND AGREED:

LESSOR: PAUL E. IACONO                     LESSEE: FORMFACTOR, INC.
BY:     /s/ Paul E. Iacono                 BY:     /s/ Jens Meyerhoff
   -----------------------------               ---------------------------------
        Paul E. Iacono
        Owner                              Name Printed   Jens Meyerhoff
                                                        ------------------------

                                           TITLE   CFO
                                                 -------------------------------

Executed on   10-1-02                      Executed on    10/4/02
            --------------------                       -------------------------<PAGE>
                                                                 Exhibit 10.26.1

Comerica Bank - California

October 22, 2002

Mr. Jens Meyerhoff
Senior Vice President / CFO
Formfactor, Inc.
2140 Research Drive
Livermore, CA 94550

Re:   LOAN EXTENSION
      Borrower Name:  Formfactor, Inc.
      Loan Number/Note Number: 2879115265/18,59,91,117

Dear Jens:

Comerica Bank-California, as successor in interest to Imperial Bank, has
approved an extension of the above-referenced credit facility to December 31,
2002 from its current maturity as evidenced by that certain Note/Agreement dated
March 27, 2001 as may be or have been modified from time to time.

Except as modified and extended hereby, the existing loan documentation as
amended concerning your obligation remains in full force and effect.

Very truly yours,

/s/ Lorraine M. Sue

Lorraine M. Sue
Vice President

ACKNOWLEDGED AND ACCEPTED ON OCTOBER 25, 2002

Formfactor, Inc.

By:   /s/ Jens Meyerhoff
    --------------------------
          Jens MeyerhoffEmployees Subject to Employment Agreement

  
 EXHIBIT 10.6A 
  
 EMPLOYEES SUBJECT TO EMPLOYMENT AGREEMENTS 
  
 The Company has entered into employment agreements with certain executive officers. These agreements are identical except for the date of execution, the name and title of the particular officer involved, and that officer’s
minimum base salary. In July 1997, the Company entered into employment agreements with Michael Mack, Chief Executive Officer and President, David Qualls, Chief Financial Officer and Secretary, and Gregory Keller, Vice President of Operations. On
November 17, 1998 the Company entered into an employment agreement with Kenneth Keane, Vice President of Human Resources. On July 22, 2002, the Company entered into an employment agreement with Walter Carucci, Vice President of Development and
Construction. On September 3, 2002, the Company entered into an employment agreement with Lloyd Fritzmeier, Executive Vice President of Marketing. Under the respective employment agreements, the minimum base annual salary for Mr. Mack is $250,000,
for Mr. Qualls is $170,000, for Mr. Keller is $150,000, for Mr. Keane is $120,000, for Mr. Carucci is $160,000, and for Mr. Fritzmeier is $280,000.Wells Fargo Bank Revolving Line of Credit Note

  
 EXHIBIT 10.17 
  
 CREDIT AGREEMENT 
  
 THIS AGREEMENT is entered
into as of November 1, 2002, by and between GARDEN FRESH RESTAURANT CORP., a Delaware corporation (“Borrower”), and WELLS FARGO BANK, NATIONAL ASSOCIATION (“Bank”). 
  
 RECITALS 
  
 Borrower has requested that
Bank extend or continue credit to Borrower as described below, and Bank has agreed to provide such credit to Borrower on the terms and conditions contained herein. 
  
 NOW, THEREFORE, for valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Bank and Borrower hereby agree as follows: 

 
 ARTICLE I 
 CREDIT TERMS

  
 SECTION 1.1.     LINE OF CREDIT. 
  
 (a)   Line of Credit. Subject to the terms and conditions of this Agreement, Bank hereby agrees to make advances to Borrower from time to time up to and
including January 31, 2004, not to exceed at any time the aggregate principal amount of Six Million Dollars ($6,000,000.00) (“Line of Credit”), the proceeds of which shall be used to finance the establishment of restaurants on property
leased by Borrower (“Leased Restaurants”) or owned or being acquired by Borrower (“Owned Restaurants”), and to finance Borrower’s working capital requirements. Borrower’s obligation to repay advances under the Line of
Credit shall be evidenced by a promissory note substantially in the form of Exhibit A attached hereto (“Line of Credit Note”), all terms of which are incorporated herein by this reference. 
  
 (b)   Limitation on Borrowings/Designation of Repayment. 
  

	 	(i)
	 
	Each request for an advance under the Line of Credit shall be accompanied by Borrower’s written statement as to the use of the proceeds of such advance.
Requests for advances which are not for working capital purposes must be supported by a contractor’s invoice, purchase agreement and such other documents and information as Bank may require, in form, substance and detail satisfactory to Bank.

 

  

	 	(ii)
	 
	Outstanding borrowings for working capital purposes shall not at any time exceed an aggregate of Two Million Dollars ($2,000,000.00). Notwithstanding the
foregoing, Borrower shall maintain a zero balance on advances for working capital purposes for a period of at least thirty (30) consecutive days during each 12-month period commencing December 31, 2002. 
 

  

	 	(iii)
	 
	Each repayment by Borrower of amounts outstanding under the Line of Credit shall be attributed by Borrower to a particular advance. If Borrower 

  

 
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	 	fails
	 
	to designate which advance is being repaid, Bank, in its sole discretion, may attribute such repayment to any advance. 
 

 
 (c)   Borrowing and Repayment. Borrower may from time to time during the term of the Line of Credit borrow,
partially or wholly repay its outstanding borrowings, and reborrow, subject to all of the limitations, terms and conditions contained herein or in the Line of Credit Note; provided however, that the total outstanding borrowings under the Line of
Credit shall not at any time exceed the maximum principal amount available thereunder, as set forth above. 
  
 (d)   Additional Repayment Terms. Notwithstanding anything to the contrary set forth in this Agreement or in the Line of Credit Note, if Bank, in its sole discretion, agrees to renew the Line of Credit for another
year, then advances made under the Line of Credit before January 31, 2004 in connection with Leased Restaurants shall be repaid no later than the date which is twelve (12) months after the date such advance was made, and advances made under the Line
of Credit in connection with Owned Restaurants shall be repaid no later than the date which is eighteen (18) months after the date such advance was made or such new maturity date, whichever is earlier to occur. The foregoing is not intended to
constitute a commitment by Bank to renew or extend the maturity date of the Line of Credit beyond the date set forth in Section 1.1 (a) above, and Borrower expressly agrees that all amounts outstanding under the Line of Credit on such date shall be
due and payable in full unless Bank has otherwise agreed in writing. 
  
 SECTION 1.2.
    INTEREST/FEES. 
  
 (a)   Interest. The outstanding principal balance of the
Line of Credit shall bear interest at the rate of interest set forth in the Line of Credit Note. 
  
 (b)  
Computation and Payment. Interest shall be computed on the basis of a 360-day year, actual days elapsed. Interest shall be payable at the times and place set forth in each promissory note or other instrument or document required hereby.

  
 (c)   Commitment Fee. Borrower shall pay to Bank a non-refundable commitment fee for the Line of
Credit equal to $9,000.00, which fee shall be due and payable in full upon execution of this Credit Agreement. 
  
 SECTION 1.3.     COLLECTION OF PAYMENTS. Borrower authorizes Bank to collect all interest and fees due under the Line of Credit by charging Borrower’s deposit account number 4771-108404 with Bank, or any
other deposit account maintained by Borrower with Bank, for the full amount thereof. Should there be insufficient funds in any such deposit account to pay all such sums when due, the full amount of such deficiency shall be immediately due and
payable by Borrower. 
  
 SECTION 1.4.     COLLATERAL. 
  
 As security for all indebtedness of Borrower to Bank subject hereto Borrower hereby grants to Bank security interests of first priority in
all Borrower’s equipment and fixtures located at the following addresses: (1) Souplantation restaurant, 9158 Fletcher Parkway, La Mesa, California 91942; (2) Souplantation restaurant, 17210 Bernardo Center Drive, San Diego, California 92128;
(3) Sweet Tomatoes restaurant, 39370 Paseo Padre Parkway, Fremont, California 94538; (4) Sweet Tomatoes restaurant, 9029 East Indian Bend Road, Scottsdale, Arizona 85250; (5) Souplantation restaurant, 228 West Hospitality Lane, San Bernardino,

  

 
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 California 92408; (6) Sweet Tomatoes restaurant, 13101 Seminole Boulevard, Largo, Florida 33778; (7)
Souplantation restaurant, 23870 Aliso Creek Road, Laguna Niguel, California 92656; (8) Souplantation restaurant, 3804 Valley Centre Drive, San Diego, California 92130; (9) Sweet Tomatoes restaurant, 7114 North Fresno Street, Fresno, California
93720. 
  
 All of the foregoing shall be evidenced by and subject to the terms of such security agreements, financing
statements and other documents as Bank shall reasonably require, all in form and substance satisfactory to Bank. Borrower shall reimburse Bank immediately upon demand for all costs and expenses incurred by Bank in connection with any of the
foregoing security, including without limitation, filing and recording fees and costs of appraisals and audits. 
  
 ARTICLE II 
 REPRESENTATIONS AND WARRANTIES 
  
 Borrower makes the following representations and warranties to Bank, which representations and warranties shall survive the execution of this Agreement and shall continue in full force and effect until
the full and final payment, and satisfaction and discharge, of all obligations of Borrower to Bank subject to this Agreement. 
  
 SECTION 2.1.   LEGAL STATUS. Borrower is a corporation, duly organized and existing and in good standing under the laws of the State of Delaware, and is qualified or licensed to do business (and is in good standing as a
foreign corporation, if applicable) in all jurisdictions in which such qualification or licensing is required or in which the failure to so qualify or to be so licensed could have a material adverse effect on Borrower. 
  
 SECTION 2.2.   AUTHORIZATION AND VALIDITY. This Agreement and each promissory note, contract, instrument and other document
required hereby or at any time hereafter delivered to Bank in connection herewith (collectively, the “Loan Documents”) have been duly authorized, and upon their execution and delivery in accordance with the provisions hereof will
constitute legal, valid and binding agreements and obligations of Borrower or the party which executes the same, enforceable in accordance with their respective terms. 
  
 SECTION 2.3.   NO VIOLATION. The execution, delivery and performance by Borrower of each of the Loan Documents do not violate any provision of any law or
regulation, or contravene any provision of the Articles of Incorporation or By-Laws of Borrower, or result in any breach of or default under any contract, obligation, indenture or other instrument to which Borrower is a party or by which Borrower
may be bound. 
  
 SECTION 2.4.   LITIGATION. There are no pending, or to the best of Borrower’s
knowledge threatened, actions, claims, investigations, suits or proceedings by or before any governmental authority, arbitrator, court or administrative agency which could have a material adverse effect on the financial condition or operation of
Borrower other than those disclosed by Borrower to Bank in writing prior to the date hereof. 
  
 SECTION 2.5.
  CORRECTNESS OF FINANCIAL STATEMENT. The financial statement of Borrower dated June 30, 2002, a true copy of which has been delivered by Borrower to Bank prior to the date hereof, (a) is complete and correct and presents fairly the
financial condition of Borrower, (b) discloses all liabilities of Borrower that are required to be reflected or reserved against under generally accepted accounting principles, whether liquidated or unliquidated, fixed or contingent, and (c) has
been prepared in accordance with generally 
  

 
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 accepted accounting principles consistently applied. Since the date of such financial statement there
has been no material adverse change in the financial condition of Borrower, nor has Borrower mortgaged, pledged, granted a security interest in or otherwise encumbered any of its assets or properties except in favor of Bank or as otherwise permitted
by Bank in writing. 
  
 SECTION 2.6.   INCOME TAX RETURNS. Borrower has no knowledge of any pending
assessments or adjustments of its income tax payable with respect to any year. 
  
 SECTION 2.7.   NO
SUBORDINATION. There is no agreement, indenture, contract or instrument to which Borrower is a party or by which Borrower may be bound that requires the subordination in right of payment of any of Borrower’s obligations subject to this
Agreement to any other obligation of Borrower. 
  
 SECTION 2.8.   PERMITS, FRANCHISES. Borrower possesses,
and will hereafter possess, all permits, consents, approvals, franchises and licenses required and rights to all trademarks, trade names, patents, and fictitious names, if any, necessary to enable it to conduct the business in which it is now
engaged in compliance with applicable law. 
  
 SECTION 2.9.   ERISA. Borrower is in compliance in all
material respects with all applicable provisions of the Employee Retirement Income Security Act of 1974, as amended or recodified from time to time (“ERISA”); Borrower has not violated any provision of any defined employee pension benefit
plan (as defined in ERISA) maintained or contributed to by Borrower (each, a “Plan”); no Reportable Event as defined in ERISA has occurred and is continuing with respect to any Plan initiated by Borrower; Borrower has met its minimum
funding requirements under ERISA with respect to each Plan; and each Plan will be able to fulfill its benefit obligations as they come due in accordance with the Plan documents and under generally accepted accounting principles. 

 
 SECTION 2.10.   OTHER OBLIGATIONS. Borrower is not in default on any obligation for borrowed money, any purchase
money obligation or any other material lease, commitment, contract, instrument or obligation. 
  
 SECTION 2.11.
  ENVIRONMENTAL MATTERS. Except as disclosed by Borrower to Bank in writing prior to the date hereof, Borrower is in compliance in all material respects with all applicable federal or state environmental, hazardous waste, health and safety
statutes, and any rules or regulations adopted pursuant thereto, which govern or affect any of Borrower’s operations and/or properties, including without limitation, the Comprehensive Environmental Response, Compensation and Liability Act of
1980, the Superfund Amendments and Reauthorization Act of 1986, the Federal Resource Conservation and Recovery Act of 1976, and the Federal Toxic Substances Control Act, as any of the same may be amended, modified or supplemented from time to time.
None of the operations of Borrower is the subject of any federal or state investigation evaluating whether any remedial action involving a material expenditure is needed to respond to a release of any toxic or hazardous waste or substance into the
environment. Borrower has no material contingent liability in connection with any release of any toxic or hazardous waste or substance into the environment. 
  

 
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 ARTICLE III 
 CONDITIONS 
  
 SECTION 3.1.  CONDITIONS OF INITIAL EXTENSION OF CREDIT. The
obligation of Bank to extend any credit contemplated by this Agreement is subject to the fulfillment to Bank’s satisfaction of all of the following conditions: 
  
 (a) Approval of Bank Counsel. All legal matters incidental to the extension of credit by Bank shall be satisfactory to Bank’s counsel. 
  
 (b) Documentation. Bank shall have received, in form and substance satisfactory to Bank, each of the following, duly executed:

  

	 	(i)
	 
	This Agreement and each promissory note or other instrument or document required hereby. 
 

	 	(ii)
	 
	Corporate Resolution: Borrowing. 
 

	 	(iii)
	 
	Certificate of Incumbency. 
 

	 	(iv)
	 
	Security Agreement: Specific Equipment and Fixtures. 
 

	 	(v)
	 
	UCC-1 Financing Statement. 
 

	 	(vi)
	 
	Such other documents as Bank may require under any other Section of this Agreement. 
 

  

(c) Financial Condition. There shall have been no material adverse change, as determined by Bank, in the financial condition or business of Borrower, nor any
material decline, as determined by Bank, in the market value of any collateral required hereunder or a substantial or material portion of the assets of Borrower. 
  
 (d) Insurance. Borrower shall have delivered to Bank evidence of insurance coverage on all Borrower’s property, in form, substance, amounts, covering risks and issued by companies
satisfactory to Bank, and where required by Bank, with loss payable endorsements in favor of Bank. 
  
 SECTION
3.2.  CONDITIONS OF EACH EXTENSION OF CREDIT. The obligation of Bank to make each extension of credit requested by Borrower hereunder shall be subject to the fulfillment to Bank’s satisfaction of each of the following conditions:

  
 (a) Compliance. The representations and warranties contained herein and in each of the other Loan
Documents shall be true on and as of the date of the signing of this Agreement and on the date of each extension of credit by Bank pursuant hereto, with the same effect as though such representations and warranties had been made on and as of each
such date, and on each such date, no Event of Default as defined herein, and no condition, event or act which with the giving of notice or the passage of time or both would constitute such an Event of Default, shall have occurred and be continuing
or shall exist. 
  
 (b) Documentation. Bank shall have received all additional documents which may be required
in connection with such extension of credit. 

 
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 ARTICLE IV 
 AFFIRMATIVE COVENANTS 
  
 Borrower covenants that so long as Bank remains committed to extend
credit to Borrower pursuant hereto, or any liabilities (whether direct or contingent, liquidated or unliquidated) of Borrower to Bank under any of the Loan Documents remain outstanding, and until payment in full of all obligations of Borrower
subject hereto, Borrower shall, unless Bank otherwise consents in writing: 
  
 SECTION 4.1.  PUNCTUAL
PAYMENTS. Punctually pay all principal, interest, fees or other liabilities due under any of the Loan Documents at the times and place and in the manner specified therein, and immediately upon demand by Bank, the amount by which the outstanding
principal balance of any credit subject hereto at any time exceeds any limitation on borrowings applicable thereto. 
  
 SECTION 4.2.  ACCOUNTING RECORDS. Maintain adequate books and records in accordance with generally accepted accounting principles consistently applied, and permit any representative of Bank, at any reasonable time, to
inspect, audit and examine such books and records, to make copies of the same, and to inspect the properties of Borrower. 
  
 SECTION 4.3.  FINANCIAL STATEMENTS. Provide to Bank all of the following, in form and detail satisfactory to Bank: 
  
 (a) not later than 90 days after and as of the end of each fiscal year, an audited financial statement of Borrower, prepared by a certified public accountant acceptable to Bank, to include a balance
sheet, income statement and statement of cash flow, together with all supporting footnotes; 
  
 (b) not later than 45
days after and as of the end of each fiscal quarter, a financial statement of Borrower, prepared by Borrower, to include a balance sheet, income statement and statement of cash flow, together with all supporting footnotes; 
  
 (c) not later than 30 days before the end of each fiscal year projections for Borrower’s next fiscal year, prepared by Borrower,

  
 (d) not later than each December 30th and June 30th a report detailing store sales, margin, and cash-flow with year to year comparisons for all stores; 
  
 (e) from time to time such other information as Bank may reasonably request. 
  
 SECTION
4.4.  COMPLIANCE. Preserve and maintain all licenses, permits, governmental approvals, rights, privileges and franchises necessary for the conduct of its business; and comply with the provisions of all documents pursuant to which Borrower
is organized and/or which govern Borrower’s continued existence and with the requirements of all laws, rules, regulations and orders of any governmental authority applicable to Borrower and/or its business. 
  
 SECTION 4.5.  INSURANCE. Maintain and keep in force insurance of the types and in amounts customarily carried in lines of
business similar to that of Borrower, including but not limited to fire, extended coverage, public liability, flood, property damage and workers’ compensation, with all such insurance carried with companies and in amounts satisfactory to

 
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Bank, and deliver to Bank from time to time at Bank’s request schedules setting forth all insurance then in effect. 
  
 SECTION 4.6.  FACILITIES. Keep all properties useful or necessary to Borrower’s business in good repair and condition, and from time to time make necessary
repairs, renewals and replacements thereto so that such properties shall be fully and efficiently preserved and maintained. 
  
 SECTION 4.7.  TAXES AND OTHER LIABILITIES. Pay and discharge when due any and all indebtedness, obligations, assessments and taxes, both real or personal, including without limitation federal and state income taxes and
state and local property taxes and assessments, except such (a) as Borrower may in good faith contest or as to which a bona fide dispute may arise, and (b) for which Borrower has made provision, to Bank’s satisfaction, for eventual payment
thereof in the event Borrower is obligated to make such payment. 
  
 SECTION 4.8.  LITIGATION. Promptly
give notice in writing to Bank of any litigation pending or threatened against Borrower with a claim in excess of $500,000.00. 
  
 SECTION 4.9.  FINANCIAL CONDITION. Maintain Borrower’s financial condition as follows using generally accepted accounting principles consistently applied and used consistently with prior practices (except to the extent
modified by the definitions herein): 
  
 (a) Tangible Net Worth not at any time less than $78,000,000.00 plus 75% of
quarterly net income (provided quarterly net income is a positive number) on a cumulative basis, commencing with the fiscal quarter ending September 30, 2002, less the aggregate of all treasury stock (not exceeding $12,000,000.00), with
“Tangible Net Worth” defined as the aggregate of total stockholders’ equity plus subordinated debt less any intangible assets. 
  
 (b) Total Liabilities divided by Tangible Net Worth not at any time greater than 1.5 to 1.0, with “Total Liabilities” defined as the aggregate of current liabilities and non-current
liabilities less subordinated debt, and with “Tangible Net Worth” as defined above. 
  
 (c) Net income
after taxes not less than $1.00 on a quarterly basis, determined as of each fiscal quarter end, except for the quarters ending December 31, 2002, and December 31, 2003 for which the quarterly net loss shall not exceed $250,000. 

 
 (d) EBITDAR Coverage Ratio not less than 1.05 to 1.0 as of each fiscal quarter end, calculated on a trailing four quarter
basis, with “EBITDAR” defined as net profit before tax plus interest expense (net of capitalized interest expense), depreciation expense, amortization expense and rent expense, and with “EBITDAR Coverage Ratio” defined as EBITDAR
divided by the aggregate of total interest expense and rent expense plus the prior period current maturity of long-term debt and the prior period current maturity of subordinated debt. 
  
 (e) Total Liabilities plus seven (7) times rent expense divided by EBITDAR not to exceed 5.5 to 1.0, determined as of the end of each fiscal quarter on a rolling four
quarter basis, with “Total Liabilities” as defined above and with “EBITDAR” as defined above. 
  
 SECTION 4.10.  NOTICE TO BANK. Promptly (but in no event more than five (5) days after the occurrence of each such event or matter) give written notice to Bank in reasonable detail of: (a) the occurrence of any Event of
Default, or any condition, event or act which with the giving of notice or the passage of time or both would constitute an Event of Default; (b) any 

 
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change in the name or organizational structure of Borrower; (c) the occurrence and nature of any Reportable Event or Prohibited Transaction, each as defined in ERISA, or any funding deficiency
with respect to any Plan; or (d) any termination or cancellation of any insurance policy which Borrower is required to maintain, or any uninsured or partially uninsured loss through liability or property damage, or through fire, theft or any other
cause affecting Borrower’s property. 
  
 ARTICLE V 
 NEGATIVE COVENANTS 
  
 Borrower further covenants that so long as Bank remains
committed to extend credit to Borrower pursuant hereto, or any liabilities (whether direct or contingent, liquidated or unliquidated) of Borrower to Bank under any of the Loan Documents remain outstanding, and until payment in full of all
obligations of Borrower subject hereto, Borrower will not without Bank’s prior written consent: 
  
 SECTION
5.1.  USE OF FUNDS. Use any of the proceeds of any credit extended hereunder except for the purposes stated in Article I hereof. 
  
 SECTION 5.2.  CAPITAL EXPENDITURES. Make any additional investment in fixed assets during the fiscal year 2002 in excess of an aggregate of $14,000,000.00 and during the fiscal year 2003 in excess of an aggregate
of $16,000,000.00. 
  
 SECTION 5.3.  OTHER INDEBTEDNESS. Create, incur, assume or permit to exist any
indebtedness or liabilities resulting from borrowings, loans or advances, whether secured or unsecured, matured or unmatured, liquidated or unliquidated, joint or several, except (a) the liabilities of Borrower to Bank, (b) any other liabilities of
Borrower existing as of, and disclosed to Bank prior to, the date hereof, (c) term loans (but not lines of credit or other revolving credit facilities) which finance or refinance construction or improvement of Borrower’s restaurants and (d)
specific project financing with other lenders. 
  
 SECTION 5.4.  MERGER, CONSOLIDATION, TRANSFER OF ASSETS.
Merge into or consolidate with any other entity; make any substantial change in the nature of Borrower’s business as conducted as of the date hereof; acquire all or substantially all of the assets of any other entity; nor sell, lease, transfer
or otherwise dispose of all or a substantial or material portion of Borrower’s assets except in the ordinary course of its business. 
  
 SECTION 5.5.  GUARANTIES. Guarantee or become liable in any way as surety, endorser (other than as endorser of negotiable instruments for deposit or collection in the ordinary course of business), accommodation
endorser or otherwise for, nor pledge or hypothecate any assets of Borrower as security for, any liabilities or obligations of any other person or entity, except any of the foregoing in favor of Bank. 
  
 SECTION 5.6.  LOANS, ADVANCES, INVESTMENTS. Make any loans or advances to or investments in any person or entity, except any of
the foregoing existing as of, and disclosed to Bank prior to, the date hereof. 
  
 SECTION 5.7.  DIVIDENDS,
DISTRIBUTIONS. Declare or pay any dividend or distribution either in cash, stock or any other property on Borrower’s stock now or hereafter 

 
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outstanding, nor redeem, retire, repurchase or otherwise acquire any shares of any class of Borrower’s stock now or hereafter outstanding. 
  
 SECTION 5.8.  PLEDGE OF ASSETS. Mortgage, pledge, grant or permit to exist a security interest in, or lien upon, all or any
portion of Borrower’s assets now owned or hereafter acquired, except any of the foregoing in favor of Bank or which is existing as of, and disclosed to Bank in writing prior to, the date hereof, and except for security interests in or liens on
equipment, fixtures or real property not encumbered by Bank in favor of lenders providing term financing as permitted in Section 5.3 (c) above. 
  
 ARTICLE VI 
 EVENTS OF DEFAULT 
  
 SECTION 6.1.  The occurrence of any of the following shall constitute an “Event of Default” under this Agreement: 
  
 (a) Borrower shall fail to pay when due any principal, interest, fees or other amounts payable under any of the Loan Documents. 
  
 (b) Any financial statement or certificate furnished to Bank in connection with, or any representation or warranty made by Borrower or any
other party under this Agreement or any other Loan Document shall prove to be incorrect, false or misleading in any material respect when furnished or made. 
  
 (c) Any default in the performance of or compliance with any obligation, agreement or other provision contained herein or in any other Loan Document (other than those referred to in subsections (a) and
(b) above), and with respect to any such default which by its nature can be cured, such default shall continue for a period of twenty (20) days from its occurrence. 
  
 (d) Any default in the payment or performance of any obligation, or any defined event of default, under the terms of any contract or instrument (other than any of the Loan
Documents) pursuant to which Borrower has incurred any debt or other liability to any person or entity, including Bank. 
  
 (e) The filing of a notice of judgment lien against Borrower; or the recording of any abstract of judgment against Borrower in any county in which Borrower has an interest in real property; or the service of a notice of levy and/or
of a writ of attachment or execution, or other like process, against the assets of Borrower; or the entry of a judgment against Borrower. 
  
 (f) Borrower shall become insolvent, or shall suffer or consent to or apply for the appointment of a receiver, trustee, custodian or liquidator of itself or any of its property, or shall generally fail to pay its debts as
they become due, or shall make a general assignment for the benefit of creditors; Borrower shall file a voluntary petition in bankruptcy, or seeking reorganization, in order to effect a plan or other arrangement with creditors or any other relief
under the Bankruptcy Reform Act, Title 11 of the United States Code, as amended or recodified from time to time (“Bankruptcy Code”), or under any state or federal law granting relief to debtors, whether now or hereafter in effect; or any
involuntary petition or proceeding pursuant to the Bankruptcy Code or any other applicable state or federal law relating to bankruptcy, reorganization or other relief for debtors is filed or commenced against Borrower, or Borrower shall file an
answer admitting the jurisdiction of the court and the material allegations of any 

 
 -9- 

 
involuntary petition; or Borrower shall be adjudicated a bankrupt, or an order for relief shall be entered against Borrower by any court of competent jurisdiction under the Bankruptcy Code or any
other applicable state or federal law relating to bankruptcy, reorganization or other relief for debtors. 
  
 (g)
There shall exist or occur any event or condition which Bank in good faith believes impairs, or is substantially likely to impair, the prospect of payment or performance by Borrower of its obligations under any of the Loan Documents. 

 
 (h) The dissolution or liquidation of Borrower; or Borrower, or any of its directors, stockholders or members, shall take
action seeking to effect the dissolution or liquidation of Borrower. 
  
 (i) Any change in ownership during the term
of this Agreement of an aggregate of twenty-five percent (25%) or more of the common stock of Borrower. 
  
 SECTION
6.2.  REMEDIES. Upon the occurrence of any Event of Default: (a) all indebtedness of Borrower under each of the Loan Documents, any term thereof to the contrary notwithstanding, shall at Bank’s option and without notice become
immediately due and payable without presentment, demand, protest or notice of dishonor, all of which are hereby expressly waived by Borrower; (b) the obligation, if any, of Bank to extend any further credit under any of the Loan Documents shall
immediately cease and terminate; and (c) Bank shall have all rights, powers and remedies available under each of the Loan Documents, or accorded by law, including without limitation the right to resort to any or all security for any credit subject
hereto and to exercise any or all of the rights of a beneficiary or secured party pursuant to applicable law. All rights, powers and remedies of Bank may be exercised at any time by Bank and from time to time after the occurrence of an Event of
Default, are cumulative and not exclusive, and shall be in addition to any other rights, powers or remedies provided by law or equity. 
  
 ARTICLE VII 
 MISCELLANEOUS 
  
 SECTION 7.1.  NO WAIVER. No delay, failure or discontinuance of Bank in exercising any right, power or remedy under any of the Loan Documents shall affect or operate as a waiver of such
right, power or remedy; nor shall any single or partial exercise of any such right, power or remedy preclude, waive or otherwise affect any other or further exercise thereof or the exercise of any other right, power or remedy. Any waiver, permit,
consent or approval of any kind by Bank of any breach of or default under any of the Loan Documents must be in writing and shall be effective only to the extent set forth in such writing. 
  
 SECTION 7.2.  NOTICES. All notices, requests and demands which any party is required or may desire to give to any other party under any provision of this
Agreement must be in writing delivered to each party at the following address: 
  
 
	     BORROWER:   
 	  	 GARDEN FRESH RESTAURANT CORP
 
	  	  	 15822 Bernardo Center Drive Suite A
 
	  	  	 San Diego, CA 92127
 

 

 
 -10- 

  
 
	     BANK: 
 	  	 WELLS FARGO BANK, NATIONAL ASSOCIATION
 
	  	  	 Carlsbad LPO
 
	  	  	 5857 Owens Avenue, Suite 106
 
	  	  	 Carlsbad, CA 92008
 

 
  
 or to such other address as any party may designate by written notice to all other
parties. Each such notice, request and demand shall be deemed given or made as follows: (a) if sent by hand delivery, upon delivery; (b) if sent by mail, upon the earlier of the date of receipt or three (3) days after deposit in the U.S. mail, first
class and postage prepaid; and (c) if sent by telecopy, upon receipt. 
  
 SECTION 7.3.  COSTS, EXPENSES AND
ATTORNEYS’ FEES. Borrower shall pay to Bank immediately upon demand the full amount of all payments, advances, charges, costs and expenses, including reasonable attorneys’ fees (to include outside counsel fees and all allocated costs of
Bank’s in-house counsel), expended or incurred by Bank in connection with (a) the negotiation and preparation of this Agreement and the other Loan Documents, Bank’s continued administration hereof and thereof, and the preparation of any
amendments and waivers hereto and thereto, (b) the enforcement of Bank’s rights and/or the collection of any amounts which become due to Bank under any of the Loan Documents, and (c) the prosecution or defense of any action in any way related
to any of the Loan Documents, including without limitation, any action for declaratory relief, whether incurred at the trial or appellate level, in an arbitration proceeding or otherwise, and including any of the foregoing incurred in connection
with any bankruptcy proceeding (including without limitation, any adversary proceeding, contested matter or motion brought by Bank or any other person) relating to Borrower or any other person or entity. 
  
 SECTION 7.4.  SUCCESSORS, ASSIGNMENT. This Agreement shall be binding upon and inure to the benefit of the heirs, executors,
administrators, legal representatives, successors and assigns of the parties; provided however, that Borrower may not assign or transfer its interest hereunder without Bank’s prior written consent. Bank reserves the right to sell, assign,
transfer, negotiate or grant participations in all or any part of, or any interest in, Bank’s rights and benefits under each of the Loan Documents. In connection therewith, Bank may disclose all documents and information which Bank now has or
may hereafter acquire relating to any credit subject hereto, Borrower or its business, or any collateral required hereunder. 
  
 SECTION 7.5.  ENTIRE AGREEMENT; AMENDMENT. This Agreement and the other Loan Documents constitute the entire agreement between Borrower and Bank with respect to each credit subject hereto and supersede all prior
negotiations, communications, discussions and correspondence concerning the subject matter hereof. This Agreement may be amended or modified only in writing signed by each party hereto. 
  
 SECTION 7.6.  NO THIRD PARTY BENEFICIARIES. This Agreement is made and entered into for the sole protection and benefit of the parties hereto and their respective
permitted successors and assigns, and no other person or entity shall be a third party beneficiary of, or have any direct or indirect cause of action or claim in connection with, this Agreement or any other of the Loan Documents to which it is not a
party. 
  
 SECTION 7.7.  TIME. Time is of the essence of each and every provision of this Agreement and
each other of the Loan Documents. 

 
 -11- 

  
 SECTION 7.8.   SEVERABILITY OF PROVISIONS. If any provision of this
Agreement shall be prohibited by or invalid under applicable law, such provision shall be ineffective only to the extent of such prohibition or invalidity without invalidating the remainder of such provision or any remaining provisions of this
Agreement. 
  
 SECTION 7.9.   COUNTERPARTS. This Agreement may be executed in any number of counterparts,
each of which when executed and delivered shall be deemed to be an original, and all of which when taken together shall constitute one and the same Agreement. 
  
 SECTION 7.10.   GOVERNING LAW. This Agreement shall be governed by and construed in accordance with the laws of the State of California. 
  

SECTION 7.11.   ARBITRATION. 
  
 (a)   Arbitration. The parties hereto agree, upon demand by any party, to submit to binding arbitration all claims, disputes and controversies between or among them (and their respective employees, officers,
directors, attorneys, and other agents), whether in tort, contract or otherwise arising out of or relating to in any way (i) the loan and related Loan Documents which are the subject of this Agreement and its negotiation, execution,
collateralization, administration, repayment, modification, extension, substitution, formation, inducement, enforcement, default or termination; or (ii) requests for additional credit. 
  
 (b)   Governing Rules. Any arbitration proceeding will (i) proceed in a location in California selected by the American Arbitration Association
(“AAA”); (ii) be governed by the Federal Arbitration Act (Title 9 of the United States Code), notwithstanding any conflicting choice of law provision in any of the documents between the parties; and (iii) be conducted by the AAA, or such
other administrator as the parties shall mutually agree upon, in accordance with the AAA’s commercial dispute resolution procedures, unless the claim or counterclaim is at least $1,000,000.00 exclusive of claimed interest, arbitration fees and
costs in which case the arbitration shall be conducted in accordance with the AAA’s optional procedures for large, complex commercial disputes (the commercial dispute resolution procedures or the optional procedures for large, complex
commercial disputes to be referred to, as applicable, as the “Rules”). If there is any inconsistency between the terms hereof and the Rules, the terms and procedures set forth herein shall control. Any party who fails or refuses to submit
to arbitration following a demand by any other party shall bear all costs and expenses incurred by such other party in compelling arbitration of any dispute. Nothing contained herein shall be deemed to be a waiver by any party that is a bank of the
protections afforded to it under 12 U.S.C. §91 or any similar applicable state law. 
  
 (c)   No
Waiver of Provisional Remedies, Self-Help and Foreclosure. The arbitration requirement does not limit the right of any party to (i) foreclose against real or personal property collateral; (ii) exercise self-help remedies relating to collateral
or proceeds of collateral such as setoff or repossession; or (iii) obtain provisional or ancillary remedies such as replevin, injunctive relief, attachment or the appointment of a receiver, before during or after the pendency of any arbitration
proceeding. This exclusion does not constitute a waiver of the right or obligation of any party to submit any dispute to arbitration or reference hereunder, including those arising from the exercise of the actions detailed in sections (i), (ii) and
(iii) of this paragraph. 
  
 (d)   Arbitrator Qualifications and Powers. Any arbitration proceeding
in which the amount in controversy is $5,000,000.00 or less will be decided by a single arbitrator selected 
  

 
 -12- 

  
 according to the Rules, and who shall not render an award of greater than $5,000,000.00. Any dispute in
which the amount in controversy exceeds $5,000,000.00 shall be decided by majority vote of a panel of three arbitrators; provided however, that all three arbitrators must actively participate in all hearings and deliberations. The arbitrator will be
a neutral attorney licensed in the State of California or a neutral retired judge of the state or federal judiciary of California, in either case with a minimum of ten years experience in the substantive law applicable to the subject matter of the
dispute to be arbitrated. The arbitrator will determine whether or not an issue is arbitratable and will give effect to the statutes of limitation in determining any claim. In any arbitration proceeding the arbitrator will decide (by documents only
or with a hearing at the arbitrator’s discretion) any pre-hearing motions which are similar to motions to dismiss for failure to state a claim or motions for summary adjudication. The arbitrator shall resolve all disputes in accordance with the
substantive law of California and may grant any remedy or relief that a court of such state could order or grant within the scope hereof and such ancillary relief as is necessary to make effective any award. The arbitrator shall also have the power
to award recovery of all costs and fees, to impose sanctions and to take such other action as the arbitrator deems necessary to the same extent a judge could pursuant to the Federal Rules of Civil Procedure, the California Rules of Civil Procedure
or other applicable law. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The institution and maintenance of an action for judicial relief or pursuit of a provisional or ancillary remedy shall not
constitute a waiver of the right of any party, including the plaintiff, to submit the controversy or claim to arbitration if any other party contests such action for judicial relief. 
  
 (e)   Discovery. In any arbitration proceeding discovery will be permitted in accordance with the Rules. All discovery shall be expressly limited to
matters directly relevant to the dispute being arbitrated and must be completed no later than 20 days before the hearing date and within 180 days of the filing of the dispute with the AAA. Any requests for an extension of the discovery periods, or
any discovery disputes, will be subject to final determination by the arbitrator upon a showing that the request for discovery is essential for the party’s presentation and that no alternative means for obtaining information is available.

  
 (f)   Class Proceedings and Consolidations. The resolution of any dispute arising pursuant to
the terms of this Agreement shall be determined by a separate arbitration proceeding and such dispute shall not be consolidated with other disputes or included in any class proceeding. 
  
 (g)   Payment Of Arbitration Costs And Fees. The arbitrator shall award all costs and expenses of the arbitration proceeding. 
  
 (h)   Real Property Collateral: Judicial Reference. Notwithstanding anything herein to the contrary, no dispute shall be
submitted to arbitration if the dispute concerns indebtedness secured directly or indirectly, in whole or in part, by any real property unless (i) the holder of the mortgage, lien or security interest specifically elects in writing to proceed with
the arbitration, or (ii) all parties to the arbitration waive any rights or benefits that might accrue to them by virtue of the single action rule statute of California, thereby agreeing that all indebtedness and obligations of the parties, and all
mortgages, liens and security interests securing such indebtedness and obligations, shall remain fully valid and enforceable. If any such dispute is not submitted to arbitration, the dispute shall be referred to a referee in accordance with
California Code of Civil Procedure Section 638 et seq., and this general reference agreement is intended to be specifically enforceable in accordance with said Section 638. A referee with the qualifications required herein for arbitrators shall be
selected pursuant to the AAA’s selection procedures. Judgment upon the decision rendered by a referee shall be entered in the court in 
  

 
 -13- 

  
 which such proceeding was commenced in accordance with California Code of Civil Procedure Sections 644
and 645. 
  
 (i)   Miscellaneous. To the maximum extent practicable, the AAA, the arbitrators and
the parties shall take all action required to conclude any arbitration proceeding within 180 days of the filing of the dispute with the AAA. No arbitrator or other party to an arbitration proceeding may disclose the existence, content or results
thereof, except for disclosures of information by a party required in the ordinary course of its business or by applicable law or regulation. If more than one agreement for arbitration by or between the parties potentially applies to a dispute, the
arbitration provision most directly related to the Loan Documents or the subject matter of the dispute shall control. This arbitration provision shall survive termination, amendment or expiration of any of the Loan Documents or any relationship
between the parties. 
  
 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as of the
day and year first written above. 
 
	 GARDEN FRESH RESTAURANT CORP.
 	 	  	 	 WELLS FARGO BANK,
 NATIONAL ASSOCIATION
 
	 
	 By:
 	 	 /s/ [ILLEGIBLE]      
 
	 	  	 	 By:
 	 	 /s/  ALVA DIAZ      
 

	 Title:
 	 	 CFO
 
	 	  	 	  	 	 Alva Diaz
 Vice President
 

 
  

 
 -14- 

  
 
	 WELLS FARGO
 	 	 REVOLVING LINE OF CREDIT NOTE
 

 
 
 
 
	 
	 $6,000,000.00
 	 	 Carlsbad, California
 
	  	 	 November 1, 2002
 

 
  
 FOR VALUE RECEIVED, the undersigned Garden Fresh Restaurant Corp.
(“Borrower”) promises to pay to the order of WELLS FARGO BANK, NATIONAL ASSOCIATION (“Bank”) at its office at Carlsbad LPO, 5857 Owens Avenue, Suite 106, Carlsbad, CA 92008, or at such other place as the holder hereof may
designate, in lawful money of the United States of America and in immediately available funds, the principal sum of $6,000,000.00, or so much thereof as may be advanced and be outstanding, with interest thereon, to be computed on each advance
from the date of its disbursement as set forth herein. 
  
 1.      DEFINITIONS: 

 
 As used herein, the following terms shall have the meanings set forth after each, and any other term defined in this Note shall
have the meaning set forth at the place defined: 
  
 1.1    “Business Day” means any day except a Saturday,
Sunday or any other day on which commercial banks in California are authorized or required by law to close. 
  
 1.2    “Fixed Rate Term” means a period commencing on a Business Day and continuing for 1, 2, 3 or 6 months, as designated by Borrower, during which all or a portion of the outstanding
principal balance of this Note bears interest determined in relation to LIBOR; provided however, that no Fixed Rate Term may be selected for a principal amount less than $250,000.00; and provided further, that no Fixed Rate Term shall extend
beyond the scheduled maturity date hereof. If any Fixed Rate Term would end on a day which is not a Business Day, then such Fixed Rate Term shall be extended to the next succeeding Business Day. 
  

1.3    “LIBOR” means the rate per annum (rounded upward, if necessary, to the nearest whole 1/8 of 1%) determined by dividing Base LIBOR by a percentage equal
to 100% less any LIBOR Reserve Percentage. 
  

	    
	 
	(a)  “Base LIBOR” means the rate per annum for United States dollar deposits quoted by Bank as the Inter-Bank Market Offered Rate, with the
understanding that such rate is quoted by Bank for the purpose of calculating effective rates of interest for loans making reference thereto, on the first day of a Fixed Rate Term for delivery of funds on said date for a period of time approximately
equal to the number of days in such Fixed Rate Term and in an amount approximately equal to the principal amount to which such Fixed Rate Term applies. Borrower understands and agrees that Bank may base its quotation of the Inter-Bank Market Offered
Rate upon such offers or other market indicators of the Inter-Bank Market as Bank in its discretion deems appropriate including, but not limited to, the rate offered for U.S. dollar deposits on the London Inter-Bank Market. 

  

	    
	 
	(b)  “LIBOR Reserve Percentage” means the reserve percentage prescribed by the Board of Governors of the Federal Reserve System (or any
successor) for “Eurocurrency Liabilities” (as defined in Regulation D of the Federal Reserve Board, as amended), adjusted by Bank for expected changes in such reserve percentage during the applicable Fixed Rate Term. 

  
 1.4    “Prime Rate” means at any time the rate of interest most recently announced within Bank at its
principal office as its Prime Rate, with the understanding that the Prime Rate is one of Bank’s base rates and serves as the basis upon which effective rates of interest are calculated for those loans making reference thereto, and is evidenced
by the recording thereof after its announcement in such internal publication or publications as Bank may designate. 
  
  

 
 1 

  
 2.      INTEREST: 
  
 2.1    Interest. The outstanding principal balance of this Note shall bear interest (computed on the basis of a 360-day year,
actual days elapsed) either (a) at a fluctuating rate per annum equal to the Prime Rate in effect from time to time, or (b) at a fixed rate per annum determined by Bank to be 2.00000% above LIBOR in effect on the first day of the
applicable Fixed Rate Term. When interest is determined in relation to the Prime Rate, each change in the rate of interest hereunder shall become effective on the date each Prime Rate change is announced within Bank. With respect to each LIBOR
selection option selected hereunder, Bank is hereby authorized to note the date, principal amount, interest rate and Fixed Rate Term applicable thereto and any payments made thereon on Bank’s books and records (either manually or by electronic
entry) and/or on any schedule attached to this Note, which notations shall be prima facie evidence of the accuracy of the information noted. 
  
 2.2    Selection of Interest Rate Options. At any time any portion of this Note bears interest determined in relation to LIBOR, it may be continued by Borrower at the end of the Fixed Rate Term applicable
thereto so that all or a portion thereof bears interest determined in relation to the Prime Rate or to LIBOR for a new Fixed Rate Term designated by Borrower. At any time any portion of this Note bears interest determined in relation to the Prime
Rate, Borrower may convert all or a portion thereof so that it bears interest determined in relation to LIBOR for a Fixed Rate Term designated by Borrower. At such time as Borrower requests an advance hereunder or wishes to select a LIBOR option for
all or a portion of the outstanding principal balance hereof, and at the end of each Fixed Rate Term, Borrower shall give Bank notice specifying: (a) the interest rate option selected by Borrower; (b) the principal amount subject thereto; and (c)
for each LIBOR selection, the length of the applicable Fixed Rate Term. Any such notice may be given by telephone (or such other electronic method as Bank may permit) so long as, with respect to each LIBOR selection, (i) if requested by Bank,
Borrower provides to Bank written confirmation thereof not later than 3 Business Days after such notice is given, and (ii) such notice is given to Bank prior to 10:00 a.m. on the first day of the Fixed Rate Term, or at a later time during any
Business Day if Bank, at it’s sole option but without obligation to do so, accepts Borrower’s notice and quotes a fixed rate to Borrower. If Borrower does not immediately accept a fixed rate when quoted by Bank, the quoted rate shall
expire and any subsequent LIBOR request from Borrower shall be subject to a redetermination by Bank of the applicable fixed rate. If no specific designation of interest is made at the time any advance is requested hereunder or at the end of any
Fixed Rate Term, Borrower shall be deemed to have made a Prime Rate interest selection for such advance or the principal amount to which such Fixed Rate Term applied. 
  
 2.3    Taxes and Regulatory Costs. Borrower shall pay to Bank immediately upon demand, in addition to any other amounts due or to become due hereunder, any and all (a)
withholdings, interest equalization taxes, stamp taxes or other taxes (except income and franchise taxes) imposed by any domestic or foreign governmental authority and related in any manner to LIBOR, and (b) future, supplemental, emergency or other
changes in the LIBOR Reserve Percentage, assessment rates imposed by the Federal Deposit Insurance Corporation, or similar requirements or costs imposed by any domestic or foreign governmental authority or resulting from compliance by Bank with any
request or directive (whether or not having the force of law) from any central bank or other governmental authority and related in any manner to LIBOR to the extent they are not included in the calculation of LIBOR. In determining which of the
foregoing are attributable to any LIBOR option available to Borrower hereunder, any reasonable allocation made by Bank among its operations shall be conclusive and binding upon Borrower. 
  

2.4    Payment of Interest. Interest accrued on this Note shall be payable on the last day of each month, commencing November 30, 2002.

  
 2.5    Default Interest. From and after the maturity date of this Note, or such earlier date as all principal
owing hereunder becomes due and payable by acceleration or otherwise, the outstanding principal balance of this Note shall bear interest until paid in full at an increased rate per annum (computed on the basis of a 360-day year, actual days
elapsed) equal to 4% above the rate of interest from time to time applicable to this Note. 
  

 
 2 

  
 3.      BORROWING AND REPAYMENT: 
  
 3.1    Borrowing and Repayment. Borrower may from time to time during the term of this Note borrow, partially or wholly repay its
outstanding borrowings, and reborrow, subject to all of the limitations, terms and conditions of this Note and of the Credit Agreement between Borrower and Bank defined below; provided however, that the total outstanding borrowings under this Note
shall not at any time exceed the principal amount stated above. The unpaid principal balance of this obligation at any time shall be the total amounts advanced hereunder by the holder hereof less the amount of principal payments made hereon by or
for any Borrower, which balance may be endorsed hereon from time to time by the holder. The outstanding principal balance of this Note shall be due and payable in full on January 31, 2004. 
  

3.2    Advances. Advances hereunder, to the total amount of the principal sum available hereunder, may be made by the holder at the oral or written request of (a)
Michael P. Mack or David W. Qualls, any one acting alone, who are authorized to request advances and direct the disposition of any advances until written notice of the revocation of such authority is received by the holder at the office
designated above, or (b) any person, with respect to advances deposited to the credit of any deposit account of any Borrower, which advances, when so deposited, shall be conclusively presumed to have been made to or for the benefit of each Borrower
regardless of the fact that persons other than those authorized to request advances may have authority to draw against such account. The holder shall have no obligation to determine whether any person requesting an advance is or has been authorized
by any Borrower. 
  
 3.3    Application of Payments. Each payment made on this Note shall be credited first, to
any interest then due and second, to the outstanding principal balance hereof. All payments credited to principal shall be applied first, to the outstanding principal balance of this Note which bears interest determined in relation to the Prime
Rate, if any, and second, to the outstanding principal balance of this Note which bears interest determined in relation to LIBOR, with such payments applied to the oldest Fixed Rate Term first. 
  

4.      PREPAYMENT: 
  
 4.1    Prime Rate. Borrower may prepay principal on any portion of this Note which bears interest determined in relation to the Prime Rate at any time, in any amount and without penalty. 

 
 4.2    LIBOR. Borrower may prepay principal on any portion of this Note which bears interest determined in relation to
LIBOR at any time and in the minimum amount of $250,000.00; provided however, that if the outstanding principal balance of such portion of this Note is less than said amount, the minimum prepayment amount shall be the entire outstanding
principal balance thereof. In consideration of Bank providing this prepayment option to Borrower, or if any such portion of this Note shall become due and payable at any time prior to the last day of the Fixed Rate Term applicable thereto by
acceleration or otherwise, Borrower shall pay to Bank immediately upon demand a fee which is the sum of the discounted monthly differences for each month from the month of prepayment through the month in which such Fixed Rate Term matures,
calculated as follows for each such month: 
  
 (a)   Determine the amount of interest which would
have accrued each month on the amount prepaid at the interest rate applicable to such amount had it remained outstanding until the last day of the Fixed Rate Term applicable thereto. 
  
 (b)  Subtract from the amount determined in (a) above the amount of interest which would have accrued for the same month on the amount prepaid for the
remaining term of such Fixed Rate Term at LIBOR in effect on the date of prepayment for new loans made for such term and in a principal amount equal to the amount prepaid. 
  
 (c)  If the result obtained in (b) for any month is greater than zero, discount that difference by LIBOR used in (b) above. 

 
 3 

  
 Each Borrower acknowledges that prepayment of such amount may result in Bank incurring additional costs,
expenses and/or liabilities, and that it is difficult to ascertain the full extent of such costs, expenses and/or liabilities. Each Borrower, therefore, agrees to pay the above-described prepayment fee and agrees that said amount represents a
reasonable estimate of the prepayment costs, expenses and/or liabilities of Bank. If Borrower fails to pay any prepayment fee when due, the amount of such prepayment fee shall thereafter bear interest until paid at a rate per annum 2.000%
above the Prime Rate in effect from time to time (computed on the basis of a 360-day year, actual days elapsed). Each change in the rate of interest on any such past due prepayment fee shall become effective on the date each Prime Rate change
is announced within Bank. 
  
 5.      EVENTS OF DEFAULT: 
  
 This Note is made pursuant to and is subject to the terms and conditions of that certain Credit Agreement between Borrower and Bank dated
as of November 1, 2002, as amended from time to time (the “Credit Agreement”). Any default in the payment or performance of any obligation under this Note, or any defined event of default under the Credit Agreement, shall constitute
an “Event of Default” under this Note. 
  
 6.      MISCELLANEOUS: 
  
 6.1     Remedies. Upon the occurrence of any Event of Default, the holder of this Note, at the holder’s option, may declare all
sums of principal and interest outstanding hereunder to be immediately due and payable without presentment, demand, notice of nonperformance, notice of protest, protest or notice of dishonor, all of which are expressly waived by each Borrower, and
the obligation, if any, of the holder to extend any further credit hereunder shall immediately cease and terminate. Each Borrower shall pay to the holder immediately upon demand the full amount of all payments, advances, charges, costs and expenses,
including reasonable attorneys’ fees (to include outside counsel fees and all allocated costs of the holder’s in-house counsel), expended or incurred by the holder in connection with the enforcement of the holder’s rights and/or the
collection of any amounts which become due to the holder under this Note, and the prosecution or defense of any action in any way related to this Note, including without limitation, any action for declaratory relief, whether incurred at the trial or
appellate level, in an arbitration proceeding or otherwise, and including any of the foregoing incurred in connection with any bankruptcy proceeding (including without limitation, any adversary proceeding, contested matter or motion brought by Bank
or any other person) relating to any Borrower or any other person or entity. 
  
 6.2     Obligations Joint and
Several. Should more than one person or entity sign this Note as a Borrower, the obligations of each such Borrower shall be joint and several. 
  
 6.3    Governing Law. This Note shall be governed by and construed in accordance with the laws of the State of California. 
  
 IN WITNESS WHEREOF, the undersigned has executed this Note as of the date first written above. 

 
 4 

 
	 WELLS FARGO
 	  	 REVOLVING LINE OF CREDIT NOTE
 

 
 
 
 
	 $6,000,000.00
 	  	 Carlsbad, California
 November 1,
2002
 

 
  
 FOR VALUE RECEIVED, the undersigned Garden Fresh Restaurant Corp.
(“Borrower”) promises to pay to the order of WELLS FARGO BANK, NATIONAL ASSOCIATION (“Bank”) at its office at Carlsbad LPO, 5857 Owens Avenue, Suite 106, Carlsbad, CA 92008, or at such other place as the holder hereof may
designate, in lawful money of the United States of America and in immediately available funds, the principal sum of $6,000,000.00, or so much thereof as may be advanced and be outstanding, with interest thereon, to be computed on each advance
from the date of its disbursement as set forth herein. 
  
 1.   DEFINITIONS: 
  
 As used herein, the following terms shall have the meanings set forth after each, and any other term defined in this Note shall have the
meaning set forth at the place defined: 
  
 1.1   “Business Day” means any day except a Saturday, Sunday or any other
day on which commercial banks in California are authorized or required by law to close. 
  
 1.2   “Fixed Rate Term”
means a period commencing on a Business Day and continuing for 1, 2, 3 or 6 months, as designated by Borrower, during which all or a portion of the outstanding principal balance of this Note bears interest determined in relation to LIBOR;
provided however, that no Fixed Rate Term may be selected for a principal amount less than $250,000.00; and provided further, that no Fixed Rate Term shall extend beyond the scheduled maturity date hereof. If any Fixed Rate Term would end on
a day which is not a Business Day, then such Fixed Rate Term shall be extended to the next succeeding Business Day. 
  
 1.3
  “LIBOR” means the rate per annum (rounded upward, if necessary, to the nearest whole 1/8 of 1%) determined by dividing Base LIBOR by a percentage equal to 100% less any LIBOR Reserve Percentage. 
  
 (a) “Base LIBOR” means the rate per annum for United States dollar deposits quoted by Bank as the Inter-Bank Market Offered
Rate, with the understanding that such rate is quoted by Bank for the purpose of calculating effective rates of interest for loans making reference thereto, on the first day of a Fixed Rate Term for delivery of funds on said date for a period of
time approximately equal to the number of days in such Fixed Rate Term and in an amount approximately equal to the principal amount to which such Fixed Rate Term applies. Borrower understands and agrees that Bank may base its quotation of the
Inter-Bank Market Offered Rate upon such offers or other market indicators of the Inter-Bank Market as Bank in its discretion deems appropriate including, but not limited to, the rate offered for U.S. dollar deposits on the London Inter-Bank Market.

  
 (b) “LIBOR Reserve Percentage” means the reserve percentage prescribed by the Board of Governors of the
Federal Reserve System (or any successor) for “Eurocurrency Liabilities” (as defined in Regulation D of the Federal Reserve Board, as amended), adjusted by Bank for expected changes in such reserve percentage during the applicable Fixed
Rate Term. 
  
 1.4   “Prime Rate” means at any time the rate of interest most recently announced within Bank at its
principal office as its Prime Rate, with the understanding that the Prime Rate is one of Bank’s base rates and serves as the basis upon which effective rates of interest are calculated for those loans making reference thereto, and is evidenced
by the recording thereof after its announcement in such internal publication or publications as Bank may designate. 
  

 
 1 

  
 2.     INTEREST: 
  

2.1   Interest. The outstanding principal balance of this Note shall bear interest (computed on the basis of a 360-day year, actual days elapsed) either (a) at a
fluctuating rate per annum equal to the Prime Rate in effect from time to time, or (b) at a fixed rate per annum determined by Bank to be 2.00000% above LIBOR in effect on the first day of the applicable Fixed Rate Term. When interest
is determined in relation to the Prime Rate, each change in the rate of interest hereunder shall become effective on the date each Prime Rate change is announced within Bank. With respect to each LIBOR selection option selected hereunder, Bank is
hereby authorized to note the date, principal amount, interest rate and Fixed Rate Term applicable thereto and any payments made thereon on Bank’s books and records (either manually or by electronic entry) and/or on any schedule attached to
this Note, which notations shall be prima facie evidence of the accuracy of the information noted. 
  
 2.2   Selection of
Interest Rate Options. At any time any portion of this Note bears interest determined in relation to LIBOR, it may be continued by Borrower at the end of the Fixed Rate Term applicable thereto so that all or a portion thereof bears interest
determined in relation to the Prime Rate or to LIBOR for a new Fixed Rate Term designated by Borrower. At any time any portion of this Note bears interest determined in relation to the Prime Rate, Borrower may convert all or a portion thereof so
that it bears interest determined in relation to LIBOR for a Fixed Rate Term designated by Borrower. At such time as Borrower requests an advance hereunder or wishes to select a LIBOR option for all or a portion of the outstanding principal balance
hereof, and at the end of each Fixed Rate Term, Borrower shall give Bank notice specifying: (a) the interest rate option selected by Borrower; (b) the principal amount subject thereto; and (c) for each LIBOR selection, the length of the applicable
Fixed Rate Term. Any such notice may be given by telephone (or such other electronic method as Bank may permit) so long as, with respect to each LIBOR selection, (i) if requested by Bank, Borrower provides to Bank written confirmation thereof not
later than 3 Business Days after such notice is given, and (ii) such notice is given to Bank prior to 10:00 a.m. on the first day of the Fixed Rate Term, or at a later time during any Business Day if Bank, at it’s sole option but without
obligation to do so, accepts Borrower’s notice and quotes a fixed rate to Borrower. If Borrower does not immediately accept a fixed rate when quoted by Bank, the quoted rate shall expire and any subsequent LIBOR request from Borrower shall be
subject to a redetermination by Bank of the applicable fixed rate. If no specific designation of interest is made at the time any advance is requested hereunder or at the end of any Fixed Rate Term, Borrower shall be deemed to have made a Prime Rate
interest selection for such advance or the principal amount to which such Fixed Rate Term applied. 
  
 2.3   Taxes and
Regulatory Costs. Borrower shall pay to Bank immediately upon demand, in addition to any other amounts due or to become due hereunder,. any and all (a) withholdings, interest equalization taxes, stamp taxes or other taxes (except income and
franchise taxes) imposed by any domestic or foreign governmental authority and related in any manner to LIBOR, and (b) future, supplemental, emergency or other changes in the LIBOR Reserve Percentage, assessment rates imposed by the Federal Deposit
Insurance Corporation, or similar requirements or costs imposed by any domestic or foreign governmental authority or resulting from compliance by Bank with any request or directive (whether or not having the force of law) from any central bank or
other governmental authority and related in any manner to LIBOR to the extent they are not included in the calculation of LIBOR. In determining which of the foregoing are attributable to any LIBOR option available to Borrower hereunder, any
reasonable allocation made by Bank among its operations shall be conclusive and binding upon Borrower. 
  
 2.4   Payment of
Interest. Interest accrued on this Note shall be payable on the last day of each month, commencing November 30, 2002. 
  
 2.5   Default Interest. From and after the maturity date of this Note, or such earlier date as all principal owing hereunder becomes due and payable by acceleration or otherwise, the outstanding principal balance of
this Note shall bear interest until paid in full at an increased rate per annum (computed on the basis of a 360-day year, actual days elapsed) equal to 4% above the rate of interest from time to time applicable to this Note. 

 
  

 
 2 

  
 3.    BORROWING AND REPAYMENT: 
  

3.1   Borrowing and Repayment. Borrower may from time to time during the term of this Note borrow, partially or wholly repay its outstanding borrowings, and reborrow,
subject to all of the limitations, terms and conditions of this Note and of the Credit Agreement between Borrower and Bank defined below; provided however, that the total outstanding borrowings under this Note shall not at any time exceed the
principal amount stated above. The unpaid principal balance of this obligation at any time shall be the total amounts advanced hereunder by the holder hereof less the amount of principal payments made hereon by or for any Borrower, which balance may
be endorsed hereon from time to time by the holder. The outstanding principal balance of this Note shall be due and payable in full on January 31, 2004. 
  
 3.2   Advances. Advances hereunder, to the total amount of the principal sum available hereunder, may be made by the holder at the oral or written request of (a) Michael P. Mack or
David W. Qualls, any one acting alone, who are authorized to request advances and direct the disposition of any advances until written notice of the revocation of such authority is received by the holder at the office designated above, or (b)
any person, with respect to advances deposited to the credit of any deposit account of any Borrower, which advances, when so deposited, shall be conclusively presumed to have been made to or for the benefit of each Borrower regardless of the fact
that persons other than those authorized to request advances may have authority to draw against such account. The holder shall have no obligation to determine whether any person requesting an advance is or has been authorized by any Borrower.

  
 3.3   Application of Payments. Each payment made on this Note shall be credited first, to any interest then due and
second, to the outstanding principal balance hereof. All payments credited to principal shall be applied first, to the outstanding principal balance of this Note which bears interest determined in relation to the Prime Rate, if any, and second, to
the outstanding principal balance of this Note which bears interest determined in relation to LIBOR, with such payments applied to the oldest Fixed Rate Term first. 
  
 4.    PREPAYMENT: 
  
 4.1   Prime Rate. Borrower may
prepay principal on any portion of this Note which bears interest determined in relation to the Prime Rate at any time, in any amount and without penalty. 
  
 4.2   LIBOR. Borrower may prepay principal on any portion of this Note which bears interest determined in relation to LIBOR at any time and in the minimum amount of $250,000.00; provided however, that
if the outstanding principal balance of such portion of this Note is less than said amount, the minimum prepayment amount shall be the entire outstanding principal balance thereof. In consideration of Bank providing this prepayment option to
Borrower, or if any such portion of this Note shall become due and payable at any time prior to the last day of the Fixed Rate Term applicable thereto by acceleration or otherwise, Borrower shall pay to Bank immediately upon demand a fee which is
the sum of the discounted monthly differences for each month from the month of prepayment through the month in which such Fixed Rate Term matures, calculated as follows for each such month: 
  
 (a)     Determine the amount of interest which would have accrued each month on the amount prepaid at the interest rate applicable to such amount
had it remained outstanding until the last day of the Fixed Rate Term applicable thereto. 
  
 (b)     Subtract from the amount determined in (a) above the amount of interest which would have accrued for the same month on the amount prepaid for the remaining term of such Fixed Rate Term at LIBOR in
effect on the date of prepayment for new loans made for such term and in a principal amount equal to the amount prepaid. 
  
 (c)     If the result obtained in (b) for any month is greater than zero, discount that difference by LIBOR used in (b) above. 
  

 
 3 

 Each Borrower acknowledges that prepayment of such amount may result in Bank incurring additional costs, expenses and/or liabilities, and that
it is difficult to ascertain the full extent of such costs, expenses and/or liabilities. Each Borrower, therefore, agrees to pay the above-described prepayment fee and agrees that said amount represents a reasonable estimate of the prepayment costs,
expenses and/or liabilities of Bank. If Borrower fails to pay any prepayment fee when due, the amount of such prepayment fee shall thereafter bear interest until paid at a rate per annum 2.000% above the Prime Rate in effect from time to time
(computed on the basis of a 360-day year, actual days elapsed). Each change in the rate of interest on any such past due prepayment fee shall become effective on the date each Prime Rate change is announced within Bank. 

 

	5.
	 
	EVENTS OF DEFAULT: 
 

  
 This Note is made pursuant to and is subject to the terms and conditions of that certain Credit Agreement between Borrower and Bank dated as of November 1, 2002, as amended from time to time (the “Credit
Agreement”). Any default in the payment or performance of any obligation under this Note, or any defined event of default under the Credit Agreement, shall constitute an “Event of Default” under this Note. 
  

	6.
	 
	MISCELLANEOUS: 
 

  
 6.1    Remedies.  Upon the occurrence of any Event of Default, the holder of this Note, at the holder’s option, may declare all sums of principal and interest outstanding hereunder to be
immediately due and payable without presentment, demand, notice of nonperformance, notice of protest, protest or notice of dishonor, all of which are expressly waived by each Borrower, and the obligation, if any, of the holder to extend any further
credit hereunder shall immediately cease and terminate. Each Borrower shall pay to the holder immediately upon demand the full amount of all payments, advances, charges, costs and expenses, including reasonable attorneys’ fees (to include
outside counsel fees and all allocated costs of the holder’s in-house counsel), expended or incurred by the holder in connection with the enforcement of the holder’s rights and/or the collection of any amounts which become due to the
holder under this Note, and the prosecution or defense of any action in any way related to this Note, including without limitation, any action for declaratory relief, whether incurred at the trial or appellate level, in an arbitration proceeding or
otherwise, and including any of the foregoing incurred in connection with any bankruptcy proceeding (including without limitation, any adversary proceeding, contested matter or motion brought by Bank or any other person) relating to any Borrower or
any other person or entity. 
  
 6.2    Obligations Joint and Several.  Should more than one person or
entity sign this Note as a Borrower, the obligations of each such Borrower shall be joint and several. 
  
 6.3    Governing Law.  This Note shall be governed by and construed in accordance with the laws of the State of California. 
  
 IN WITNESS WHEREOF, the undersigned has executed this Note as of the date first written above. 
  
 Garden Fresh Restaurant Corp. 
  
 
	 
	 By:
 	 	 /s/ [ILLEGIBLE]
 

	 
	 Title:
 	 	 CFO
 

 
  

 
 4 

  
 
	             BILLING INVOICE
 	  	 [LOGO OF WELLS FARGO]
 

 
  
 
	 Date:
 	  	 November 1, 2002
 
	 
	 Office/Address:
 	  	 Carlsbad LPO
 5857 Owens Avenue, Suite 106, Carlsbad, CA 92008
 
	 
	 Customer Name:
 	  	 Garden Fresh Restaurant Corp.
 
	 Customer Number:
 	  	 3050177636
 
	 Type of Credit:
 	  	 Line of Credit $6,000,000.00
 

 
 
	  
 
 
 

 
 
	 Commitment Fee
 	  	 $
 	 9,000.00
 	  	  	  
	  	  	 

	  	  	  
 	 Total Amount Due:
 	  	 $
 	             9,000.00
 

 
  

	 ̈
	 
	Check is attached for payment in 
 

	    
	 
	full of the amount listed on statement 
 

  

	x
	 
	Authorized to charge:  ̈ RTS
 ̈ Hogan  ̈ ACH  ̈ Wire Transfer 
 

	  
	 
	Account #
                                        
                                        
                 
 

	  
	 
	for the amount listed on statement 
 

  
 Prepared By:    JANINE ZARATE 
 Center Name:  San Francisco Loan Center 
  

 
 1

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