Document:

EX-10.56

 Exhibit 10.56 

FOURTH AMENDMENT TO LOAN AGREEMENT 

This Fourth Amendment to Loan Agreement (this “Amendment”) is made as of February 20, 2015, by and among AMERICAN
TOWER CORPORATION, as Borrower (the “Company”), TORONTO DOMINION (TEXAS) LLC, as Administrative Agent (the “Administrative Agent”), and the financial institutions whose names appear as lenders on the
signature page hereof. 
 WHEREAS, the Company and the Administrative Agent are party to that certain Loan Agreement, dated as of
June 28, 2013 (as amended, restated, extended, supplemented or otherwise modified in writing from time to time, the “Loan Agreement”) among the Company, the Administrative Agent and the Lenders from time to time party thereto.

 WHEREAS, the Company, the Administrative Agent and the Lenders who are signatories hereto and who constitute Majority Lenders have
agreed to amend the Loan Agreement pursuant to Section 12.12 of the Loan Agreement. 
 WHEREAS, pursuant to Section 2.14 of
the Loan Agreement, the Company has requested Incremental Commitments in an aggregate amount of $750,000,000. 
 NOW,
THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged by each of the parties hereto, the parties hereby agree as follows: 

1. DEFINED TERMS. Unless otherwise defined herein, capitalized terms used herein shall have the meanings given to them in the Loan Agreement.

 2. AMENDMENT. The Loan Agreement is hereby amended as follows: 

(a) Section 1.1 of the Loan Agreement is hereby amended by inserting the following definition of “Verizon Transaction”: 

“Verizon Transaction” means that certain transaction among the Company, Verizon Communications, Inc. and certain of their
affiliates pursuant to that certain Master Agreement dated February 5, 2015.” 
 (b) Section 2.14 of the Loan Agreement is
hereby amended by deleting “$2,750,000,000” in clause (iii) thereof and replacing it with “$3,500,000,000”. 
 (c)
Section 7.6 of the Loan Agreement is hereby amended by deleting the text thereof and inserting in its place the following: 

“As of the end of each fiscal quarter, the Company shall not permit the ratio of (a) Total Debt on such calculation
date to (b) Adjusted EBITDA, as of the last day of such fiscal quarter to be greater than (i) for the fiscal quarters ended December 31, 2014 through the end of the fiscal quarter ended immediately prior to the closing of

 
the Verizon Transaction, 6.00 to 1.00, (ii) for the first and second fiscal quarters ending on or after the closing of the Verizon Transaction, 7.25 to 1.00, (iii) for the two
subsequent fiscal quarters, 7.00 to 1.00 and (iv) thereafter, 6.00 to 1.00, provided, that, solely for purposes of Section 7.1(i)(ii) and the determination of pro forma compliance, the ratio shall be deemed to be 7.25 to 1.00 as of the end
of the fiscal quarter ended immediately prior to the closing of the Verizon Transaction.” 
 3. BRING-DOWN OF REPRESENTATIONS.
The Company hereby certifies that, as of the date of this Amendment, (i) the representations and warranties contained in Section 4.1 of the Loan Agreement are true and correct in all material respects, except for those representations and
warranties that are qualified by materiality or Materially Adverse Effect, which shall be true and correct, both before and after giving effect to this Amendment, and after giving effect to any updates to information provided to the Lenders in
accordance with the terms of the Loan Agreement except to the extent stated to have been made as of the Agreement Date, and (ii) no Default exists. 

4. EFFECTIVENESS. This Amendment shall become effective upon the Administrative Agent receiving this Amendment duly executed by the Company
and the Majority Lenders. 
 5. NO OTHER AMENDMENTS. Except as provided herein, each of the other provisions of the Loan Agreement shall
remain in full force and effect. 
 6. COUNTERPARTS. This Amendment may be executed in any number of counterparts, each of which shall be
deemed to be an original, but all such separate counterparts shall together constitute one and the same instrument. Delivery of an executed counterpart of a signature page to this Amendment by telecopier or electronic transmission shall be effective
as delivery of a manually executed counterpart. 
 7. GOVERNING LAW. This Amendment shall be construed in accordance with and governed by
the internal laws of the State of New York applicable to agreements made and performed in the State of New York. 
 8. MISCELLANEOUS. 

(a) On and after the effective date of this Amendment, each reference in the Loan Agreement to “this Agreement,”
“hereunder,” “hereof” or words of like import referring to the Loan Agreement shall mean and be a reference to the Loan Agreement, as amended by this Amendment. 

(b) The execution, delivery and effectiveness of this Amendment shall not, except as expressly provided herein, operate as a waiver of any
right, power or remedy of any Lender or the Administrative Agent under any of the Loan Documents, nor constitute a waiver of any provision of any of the Loan Documents. 

(c) On and after the effectiveness of this Amendment, this Amendment shall for all purposes constitute a Loan Document. 

 IN WITNESS WHEREOF, the parties hereto have executed this Amendment or caused it to be executed
by their duly authorized officers, all as of the day and year above written. 
  

							
	BORROWER:				AMERICAN TOWER CORPORATION
				
					By:		 /s/ THOMAS A. BARTLETT

					Name:		Thomas A. Bartlett
					Title:		 Executive Vice President and Chief
 Financial
Officer

 [Signature Page to Fourth Amendment to Loan Agreement] 

																	
	LENDERS														 TORONTO DOMINION (TEXAS) LLC, as

Administrative Agent and a Lender

									
															By:		 /s/ ALICE MARE

															Name:		Alice Mare
															Title:		Authorized Signatory
								
															BANK OF AMERICA, N.A., as a Lender
									
															By:		 /s/ MARIE FORURIA

															Name:		Marie Foruria
															Title:		Vice President
								
															BARCLAYS BANK PLC, as a Lender
									
															By:		 /s/ ALICIA BORYS

															Name:		Alicia Borys
															Title:		Vice President
								
															CITIBANK, N.A., as a Lender
									
															By:		 /s/ KEITH LUKASAVICH

															Name:		Keith Lukasavich
															Title:		Director & Vice President
								
															BNP PARIBAS, as a Lender
									
															By:		 /s/ MELISSA DYKI

															Name:		Melissa Dyki
															Title:		Director
									
															By:		 /s/ JENNY SHUM

															Name:		Jenny Shum
															Title:		Vice President

 [Signature Page to Fourth Amendment to Loan Agreement] 

 
			
	ROYAL BANK OF CANADA, as a Lender
		
	By:		 /s/ D.W. SCOTT JOHNSON

	Name:		D.W. Scott Johnson
	Title:		Authorized Signatory
	
	 THE ROYAL BANK OF SCOTLAND PLC, as

a Lender

		
	By:		 /s/ MATTHEW PENNACHIO

	Name:		Matthew Pennachio
	Title:		Director
	
	SANTANDER BANK, N.A., as a Lender
		
	By:		 /s/ PALOMA DEL VALLE

	Name:		Paloma Del Valle
	Title:		Vice President
	
	HSBC Bank USA, National Association, as a Lender
		
	By:		 /s/ DAVID A. CARROLL

	Name:		David A. Carroll
	Title:		Senior Vice President
	
	JPMORGAN CHASE BANK, N.A., as a Lender
		
	By:		 /s/ DONATUS O. ANUSIONWU

	Name:		Donatus O. Anusionwu
	Title:		Vice President

 [Signature Page to Fourth Amendment to Loan Agreement] 

 
			
	CREDIT AGRICOLE
	 CORPORATE AND INVESTMENT BANK, as

a Lender

		
	By:		 /s/ TANYA CROSSLEY

	Name:		Tanya Crossley
	Title:		Managing Director
		
	By:		 /s/ JILL WONG

	Name:		Jill Wong
	Title:		Director
	
	Goldman Sachs Bank USA, as a Lender
		
	By:		 /s/ JAMIE MINIERI

	Name:		Jamie Minieri
	Title:		Authorized Signatory
	
	MIZUHO BANK, LTD., as a Lender
		
	By:		 /s/ DAVID LIM

	Name:		David Lim
	Title:		Authorized Signatory
	
	[Sumitomo Mitsui Banking Corp.], as a Lender
		
	By:		 /s/ DAVID KEE

	Name:		David Kee
	Title:		Managing Director
	
	BANCO BILBAO VIZCAYA ARGENTARIA, S.A. NEW YORK BRANCH, as a Lender
		
	By:		 /s/ VERONICA INCERA

	Name:		Veronica Incera
	Title:		Managing Director
		
	By:		 /s/ MAURICIO BENITEZ

	Name:		Mauricio Benitez
	Title:		Director

 [Signature Page to Fourth Amendment to Loan Agreement] 

 
			
	MORGAN STANLEY BANK, N.A., as a Lender
		
	By:		 /s/ SHERRESE CLARKE

	Name:		Sherrese Clarke
	Title:		Authorized Signatory
	
	The Bank of Tokyo-Mitsubishi UFJ, Ltd., as a Lender
		
	By:		 /s/ ARTURO DE PEÑA

	Name:		Arturo de Peña
	Title:		Managing Director
	
	CoBank ACB, as a Lender
		
	By:		 /s/ GARY FRANKE

	Name:		Gary Franke
	Title:		Vice President

 [Signature Page to Fourth Amendment to Loan Agreement]Q4 2014 10-K Exhibit 10.1

EXHIBIT 10.1

AGREEMENT FOR STOCK AWARD

This Agreement for Stock Award (the "Agreement") is between FIRST FINANCIAL BANCORP., an Ohio corporation (the "Corporation"), and Claude E. Davis (the "Grantee") who, as of February 20, 2015 which is the date of this Agreement, is an employee of the Corporation or a Subsidiary (as defined below).
WHEREAS, the Corporation established the 2011 Key Management Incentive Plan and the 2012 Stock Plan (collectively, the "Plan") and a Committee of the Board of Directors of the Corporation designated in the Plan (the "Committee") approved the execution of this Agreement containing the Stock Award to the Grantee upon the terms and conditions hereinafter set forth:

NOW THEREFORE, in consideration of the mutual obligations contained herein, it is hereby agreed:
		
	1.
	Award of Stock.  The Corporation hereby awards to Grantee as of the date of this Agreement 6,098 shares of Common Stock of the Corporation ("Common Stock"), without par value, in consideration of services rendered.  Such shares shall be immediately vested as of the date of this Agreement and shall be subject to the terms herein.

		
	2.
	Restrictions on Sale or Transfer.  The shares of vested Common Stock so received by the Grantee and any additional shares attributable thereto received by the Grantee as a result of any stock dividend, recapitalization, merger, reorganization or similar event are subject to the restrictions set forth herein and may not be sold, assigned, transferred, pledged or otherwise encumbered during the Holding Period defined below, except as permitted hereby.  

		
	3.
	Holding Period.   Grantee shall hold all vested shares of Common Stock (net of any shares withheld to pay taxes due with respect to the grant described herein) for a period of three years (the “Holding Period”).  The Holding Period shall apply regardless of whether or not Grantee remains employed by the Corporation or its Subsidiaries.  Notwithstanding anything herein, the Holding Period shall terminate on Grantee’s death or disability.  The Holding Period may be enforced pursuant to a restrictive legend or any other means deemed appropriate by the Corporation.

		
	4.
	Clawback Provision.  Any award or issuance of shares under the 2012 Stock Plan is subject to any Corporation clawback policy as may be amended from time to time. 

		
	5.
	Prohibited Sales.  By accepting shares of Common Stock, the Grantee agrees not to sell shares at a time when applicable laws or the Corporation’s rules prohibit a sale.  This restriction shall apply as long as the Grantee is an employee, consultant or director of the Corporation or a Subsidiary.  The Grantee agrees, if requested by the Corporation, to hold such shares for investment and not with a view of resale or distribution to the public, and if requested by the Corporation, the Grantee must deliver to the Corporation a written statement satisfactory to the Corporation to that effect.  

		
	6.
	Shareholder's Rights.  Subject to the terms of this Agreement, during the Holding Period:

		
	(a)
	The Grantee will have, with respect to the vested Common Stock, the right to vote all shares of the Common Stock received under or as a result of this Agreement, including shares which are subject to the restrictions on sale or transfer in Section 2, the Holding Period in Section 3 and to the clawback provisions in Section 4 of this Agreement. 

		
	(b)
	The Grantee shall be paid dividends with respect to the Common Stock. 

		
	7.
	Regulatory Compliance.  The issue of shares of vested Common Stock and Common Stock will be subject to full compliance with all then-applicable requirements of law and the requirements of the exchange upon which Common Stock may be traded, as set forth in the Plan.  Furthermore, the Corporation shall have the right to refuse to issue or transfer any shares under this Agreement if the Corporation, acting in its absolute discretion determines that the issuance or transfer of such Common Stock might violate any applicable law or regulation.

		
	8.
	Withholding Tax.  The Grantee agrees that, in the event that the award and receipt of the Common Stock or the expiration of restrictions thereon results in the Grantee's realization of income which for federal, state or local income tax purposes is, in the opinion of counsel for the Corporation, subject to withholding of tax at source by the Grantee's employer, the Grantee will pay to such Grantee's employer an amount equal to such withholding tax or make arrangements satisfactory to the Corporation regarding the payment of such tax (or such employer on behalf of the Corporation may withhold such amount from Grantee's salary or from dividends paid by the Corporation on shares of the Common Stock or any other compensation payable to the Grantee).  

		
	9.
	Investment Representation.  The Grantee represents and agrees that if he or she is awarded and receives the vested Common Stock at a time when there is not in effect under the Securities Act of 1933 a registration statement pertaining to the shares and there is not available for delivery a prospectus meeting the requirements of Section 10(A)(3) of said Act, (i) he or she will accept and receive such shares for the purpose of investment and not with a view to their resale or distribution, (ii) that upon such award and receipt, he or she will furnish to the Corporation an investment letter in form and substance satisfactory to the Corporation, (iii) prior to selling or offering for sale any such shares, he or she will furnish the Corporation with an opinion of counsel satisfactory to the Corporation to the effect that such sale may lawfully be made and will furnish the Corporation with such certificates as to factual matters as the Corporation may reasonably request, and (iv) that certificates representing such shares may be marked with an that is contrary to this paragraph.

		
	10.
	Notices.  Each notice relating to this Agreement must be in writing and delivered in person or by registered mail to the Corporation at its office, 255 East Fifth Street, Suite 700, Cincinnati, Ohio 45202, attention of the Secretary, or at such other place as the Corporation has designated by notice.  All notices to the Grantee or other person or persons succeeding to his or her interest will be delivered to the Grantee or such other person or persons at the Grantee's address as specified in a notice filed with the Corporation.

		
	11.
	Determinations of the Corporation Final.  Any dispute or disagreement which arises under, as a result of, or in any way relates to the interpretation or construction of this Agreement will be determined by the Board of Directors of the Corporation or by a committee appointed by the  Board of Directors of the Corporation (or any successor corporation).  The Grantee hereby agrees to accept any such determination as final, binding and conclusive for all purposes.

		
	12.
	Successors.  All rights under this Agreement are personal to the Grantee and are not transferable except that in the event of the Grantee's death, such rights are transferable to the Grantee's legal representatives, heirs or legatees.  This Agreement will inure to the benefit of and be binding upon the Corporation and its successors and assigns.

		
	13.
	Obligations of the Corporation.  The liability of the Corporation under the Plan and this Agreement is limited to the obligations set forth therein.  No term or provision of the Plan or this Agreement will be construed to impose any liability on the Corporation in favor of the Grantee with respect to any loss, cost or expense which the Grantee may incur in connection with or arising out of any transaction in connection therewith.

		
	14.
	No Employment Rights.  Nothing in the Plan or this Agreement or any related material shall give the Grantee the right to continue in the employment of the Corporation or any subsidiary of the Corporation or adversely affect the right of the Corporation or any subsidiary of the Corporation to terminate the Grantee’s employment with or without cause at any time.

		
	15.
	Governing Law.  This Agreement will be governed by and interpreted in accordance with the laws of the State of Ohio.

		
	16.
	Plan.  The Plan will control if there is any conflict between the Plan and this Agreement and on any matters that are not contained in this Agreement.  A copy of the Plan has been provided to the Grantee and is incorporated by reference and made a part of this Agreement.  Capitalized terms used but not specifically defined in this Agreement will have the definitions given to them in the Plan.

		
	17.
	Entire Agreement.  This Agreement and the Plan supersede any other agreement, whether written or oral, that may have been made or entered into by the Corporation and/or any of its subsidiaries and the Grantee relating to the shares of restricted Common Stock that are granted under this Agreement.  This Agreement and the Plan constitute the entire agreement by the parties with respect to such matters, and there are no agreements or commitments except as set forth herein and in the Plan.

		
	18.
	Captions; Counterparts.  The captions in this Agreement are for convenience only and will not be considered a part of or affect the construction or interpretation of any provision of this Agreement.  This Agreement may be executed in any number of counterparts, each of which will constitute one and the same instrument.

IN WITNESS WHEREOF, this Agreement for Stock Award has been executed and dated by the parties hereto as of the day and year first above written.

 
FIRST FINANCIAL BANCORP.

By:    /s/  Alisa E. Poe                                          
Alisa E. Poe
Title:    Chief of Staff and Chief Talent Officer    

GRANTEE:

By:    /s/ Claude E. Davis                                    
Claude E. Davis
Title:    Chief Executive Officer
        

                    
2015 RSA Award - STIP (2012 Stock Plan)

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