Document:

EX-10.8

 Exhibit 10.8 

EXECUTION VERSION 

AMENDMENT NO. 1 TO CREDIT AGREEMENT 

This AMENDMENT NO. 1 TO CREDIT AGREEMENT, dated as of August 25, 2020 (this “Amendment”), is entered into among
NUTRITION & BIOSCIENCES, INC. (the “Company”), the Lenders signatory hereto and MORGAN STANLEY SENIOR FUNDING, INC., as administrative agent (in such capacity, the “Agent”). 

WHEREAS, the Company, the Lenders from time to time party thereto and the Agent have entered into that certain Term Loan Credit Agreement,
dated as of January 17, 2020 (as amended prior to the date hereof, the “Credit Agreement”). 
 WHEREAS, pursuant to
Section 9.01 of the Credit Agreement, the Company, the Lenders party hereto and the Agent have agreed to amend the Credit Agreement as provided for herein. 

NOW, THEREFORE, in consideration of the mutual execution hereof and other good and valuable consideration, the parties hereto hereby agree as
follows: 
 1. Defined Terms. Capitalized terms used herein and not otherwise defined herein have the meanings given in the Credit
Agreement. 
 2. Amendment. Upon satisfaction of the conditions set forth in Section 3 hereof, the Credit Agreement is hereby
amended as follows: 
 (a) Section 1.01 of the Credit Agreement is hereby amended by amending and restating the definition of
“Applicable Margin” to read as follows: 
 “Applicable Margin” means as of any date, with respect
to any Base Rate Advance or Eurocurrency Rate Advance, as the case may be, a percentage per annum determined by reference to the Public Debt Rating in effect on such date as set forth below under the applicable caption: 

 

																	
	 	  	3-Year Tranche	 	 	5-Year Tranche	 
	 Public Debt Rating
S&P/Moody’s
	  	Applicable
Margin for
Base
Rate Advances	 	 	Applicable
Margin for
Eurocurrency
Rate Advances	 	 	Applicable
Margin for
Base
Rate Advances	 	 	Applicable
Margin for
Eurocurrency
Rate Advances	 
	 Level 1
	  				 				 				 			
	 A+ / A1 or above
	  	 	0.000	% 	 	 	0.750	% 	 	 	0.125	% 	 	 	1.125	% 
	 Level 2
	  				 				 				 			
	 A / A2
	  	 	0.000	% 	 	 	0.875	% 	 	 	0.250	% 	 	 	1.250	% 
	 Level 3
	  				 				 				 			
	 A- / A3
	  	 	0.000	% 	 	 	1.000	% 	 	 	0.375	% 	 	 	1.375	% 
	 Level 4
	  				 				 				 			
	 BBB+ / Baa1
	  	 	0.125	% 	 	 	1.125	% 	 	 	0.500	% 	 	 	1.500	% 
	 Level 5
	  				 				 				 			
	 BBB / Baa2
	  	 	0.250	% 	 	 	1.250	% 	 	 	0.625	% 	 	 	1.625	% 

																	
	 	  	3-Year Tranche	 	 	5-Year Tranche	 
	 Level 6
	  				 				 				 			
	 BBB- / Baa3
	  	 	0.500	% 	 	 	1.500	% 	 	 	0.875	% 	 	 	1.875	% 
	 Level 7
	  				 				 				 			
	 Lower than Level 6
	  	 	1.000	% 	 	 	2.000	% 	 	 	1.375	% 	 	 	2.375	% 

 (b) Section 1.01 of the Credit Agreement is hereby amended by amending and restating the definition of
“Special Cash Payment” to read as follows: 
 “Special Cash Payment” means the Spinco Special Cash
Payment (as defined in the Neptune Separation Agreement, dated as of December 15, 2019, as amended or otherwise modified from time to time, to the extent such amendment or other modification will not result in the failure or inability to
satisfy the condition set forth in Section 3.02(b)). 
 (c) Section 1.01 of the Credit Agreement is hereby amended by amending and
restating the definition of “Icon Revolving Credit Agreement” to read as follows: 
 “Icon Revolving Credit
Agreement” means that certain Second Amended and Restated Credit Agreement, dated as of August 25, 2020, among Icon and certain of its Subsidiaries party thereto, the lenders party thereto from time to time, and Citibank, N.A., as
administrative agent (as may be amended, supplemented, modified or replaced from time to time). 
 (d) Section 2.04 of the Credit
Agreement is hereby amended by adding the following new clause (c) at the end thereof: 
 (c) Amendment Fees. The Company shall
pay to the Agent, for the account of each of the Lenders, amendment fees in connection with Amendment No. 1 to Credit Agreement, dated as of August 25, 2020, among the Company, the lenders party thereto, and the Agent in the amounts and at
the times as agreed between the Company and the Agent and separately notified to the Lenders. 
 (e) Section 2.17 of the Credit
Agreement is hereby amended and restated in its entirety to read as follows: 
 Section 2.17 Use of Proceeds. The proceeds of the
Advances shall be used solely (i) to finance, in part, the Special Cash Payment and/or at the option of the Company, to be transferred to a Subsidiary of the Company and thereafter paid to Dupont or one of its Subsidiaries in connection with
consummating the Neptune Transactions and (ii) for the payment of fees and expenses in connection with each of the foregoing. 
 (f)
Section 5.02(e)(viii) of the Credit Agreement is hereby amended and restated in its entirety to read as follows: 

(viii) Debt of Subsidiaries of Icon owed under the Icon Revolving Credit Agreement in an aggregate principal amount at any time
outstanding not to exceed $2,500,000,000; 

  
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 (g) Section 5.03 of the Credit Agreement is hereby amended and restated in its
entirety to read as follows: 
 Section 5.03 Financial Covenant. So long as any Advance shall remain unpaid, the Parent shall
maintain a Leverage Ratio as of the end of any Relevant Period of not more than: (i) 4.75 to 1.00 commencing as of the end of the first full fiscal quarter period of Icon ended after the Closing Date until and including the end of the third full
fiscal quarter after the Closing Date, (ii) then 4.50 to 1.00 until and including the end of the sixth full fiscal quarter after the Closing Date, (iii) then 3.75 to 1.00 until and including end of the ninth full fiscal quarter after the
Closing Date and (iv) 3.50 to 1.00 as of the end of any Relevant Period thereafter; provided that, commencing after the end of the ninth full fiscal quarter after the Closing Date, if any Group Member consummates an acquisition of all or
substantially all of the assets of a Person, or of any business or division of a Person, for which it paid at least $500,000,000 in consideration (a “Qualifying Acquisition”), the maximum Leverage Ratio shall step up to no greater
than 3.75 to 1.00 for the three full fiscal quarters after such Qualifying Acquisition, which shall be reduced to 3.50 to 1.00 after the end of the third full fiscal quarter after such Qualifying Acquisition. 

(h) Section 9.11 of the Credit Agreement is hereby amended and restated in its entirety to read as follows: 

SECTION 9.11 Execution in Counterparts. This Agreement may be executed in any number of counterparts and by different parties hereto in
separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute one and the same agreement. Delivery of an executed counterpart of a signature page to this Agreement by
telecopier or other electronic means shall be effective as delivery of a manually executed counterpart of this Agreement. The words “execution,” “signed,” “signature,” and words of like import in this Agreement shall be
deemed to include electronic signatures or the keeping of records in electronic form, each of which shall be of the same legal effect, validity or enforceability as a manually executed signature or the use of a paper-based recordkeeping system, as
the case may be, to the extent and as provided for in any applicable law, including the Federal Electronic Signatures in Global and National Commerce Act, the New York State Electronic Signatures and Records Act, or any other similar state laws
based on the Uniform Electronic Transactions Act; provided that, to the extent the Borrower executes this Agreement by way of electronic signature, the Borrower shall, upon reasonable request therefor, provide to the Agent a manually executed
signature to this Agreement (which may be delivered by fax or in a .pdf or similar file). 
 (i) Section 9.14 of the Credit
Agreement is hereby amended and restated in its entirety to read as follows: 
 SECTION 9.14 Acknowledgement and Consent to Bail-In of Affected Financial Institutions. Notwithstanding anything to the contrary in any Loan Document or in any other agreement, arrangement or understanding among any such parties, each party hereto
acknowledges that any liability of any Affected Financial Institution arising under any Loan Document, to the extent such liability is unsecured, may be subject to the write-down and conversion powers of the applicable Resolution Authority and
agrees and consents to, and acknowledges and agrees to be bound by: 
 (i) the application of any Write-Down and Conversion
Powers by the applicable Resolution Authority to any such liabilities arising hereunder which may be payable to it by any party hereto that is an Affected Financial Institution; and 

  
 3 

 (ii) the effects of any Bail-In
Action on any such liability, including, if applicable: 
 (1) a reduction in full or in part or cancellation of any such
liability; 
 (2) a conversion of all, or a portion of, such liability into shares or other instruments of ownership in such
Affected Financial Institution, its parent undertaking, or a bridge institution that may be issued to it or otherwise conferred on it, and that such shares or other instruments of ownership will be accepted by it in lieu of any rights with respect
to any such liability under this Agreement or any other Loan Document; or 
 (3) the variation of the terms of such liability
in connection with the exercise of the Write-Down and Conversion Powers of the applicable Resolution Authority. 
 As used in
this Agreement, the following terms shall have the following meanings (such meanings to be equally applicable to both the singular and plural forms of the terms defined): 

“Affected Financial Institution” means (a) any EEA Financial Institution or (b) any UK Financial
Institution. 
 “Bail-In Action” means the exercise of
any Write-Down and Conversion Powers by the applicable Resolution Authority in respect of any liability of an Affected Financial Institution. 

“Bail-In Legislation” means (a) with respect to any EEA Member
Country implementing Article 55 of Directive 2014/59/EU of the European Parliament and of the Council of the European Union, the implementing law, regulation rule or requirement for such EEA Member Country from time to time which is described in the
EU Bail-In Legislation Schedule and (b) with respect to the United Kingdom, Part I of the United Kingdom Banking Act 2009 (as amended from time to time) and any other law, regulation or rule applicable in
the United Kingdom relating to the resolution of unsound or failing banks, investment firms or other financial institutions or their affiliates (other than through liquidation, administration or other insolvency proceedings). 

“EEA Financial Institution” means (a) any credit institution or investment firm established in any EEA
Member Country which is subject to the supervision of an EEA Resolution Authority, (b) any entity established in an EEA Member Country which is a parent of an institution described in clause (a) of this definition, or (c) any
financial institution established in an EEA Member Country which is a subsidiary of an institution described in clauses (a) or (b) of this definition and is subject to consolidated supervision with its parent. 

  
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 “EEA Member Country” means any of the member states of the
European Union, Iceland, Liechtenstein, and Norway. 
 “EEA Resolution Authority” means any public
administrative authority or any person entrusted with public administrative authority of any EEA Member Country (including any delegee) having responsibility for the resolution of any EEA Financial Institution. 

“EU Bail-In Legislation Schedule” means the EU Bail-In Legislation Schedule published by the Loan Market Association (or any successor person), as in effect from time to time. 

“Resolution Authority” means an EEA Resolution Authority or, with respect to any UK Financial Institution, a
UK Resolution Authority. 
 “UK Financial Institution” means any BRRD Undertaking (as such term is defined
under the PRA Rulebook (as amended form time to time) promulgated by the United Kingdom Prudential Regulation Authority) or any person falling within IFPRU 11.6 of the FCA Handbook (as amended from time to time) promulgated by the United Kingdom
Financial Conduct Authority, which includes certain credit institutions and investment firms, and certain affiliates of such credit institutions or investment firms. 

“UK Resolution Authority” means the Bank of England or any other public administrative authority having
responsibility for the resolution of any UK Financial Institution. 
 “Write-Down and Conversion Powers”
means, (a) with respect to any EEA Resolution Authority, the write-down and conversion powers of such EEA Resolution Authority from time to time under the Bail-In Legislation for the applicable EEA Member
Country, which write-down and conversion powers are described in the EU Bail-In Legislation Schedule, and (b) with respect to the United Kingdom, any powers of the applicable Resolution Authority under
the Bail-In Legislation to cancel, reduce, modify or change the form of a liability of any UK Financial Institution or any contract or instrument under which that liability arises, to convert all or part of
that liability into shares, securities or obligations of that person or any other person, to provide that any such contract or instrument is to have effect as if a right had been exercised under it or to suspend any obligation in respect of that
liability or any of the powers under that Bail-In Legislation that are related to or ancillary to any of those powers. 

3. Effectiveness. This Amendment will become effective upon the date on which the following conditions precedent are first satisfied
(the “Amendment Effective Date”): 
 (a) The Agent shall have received from the Company and from the Lenders constituting
(i) the Required Lenders and (ii) the Lenders having in excess of 50% of the Commitments under the 5-Year Tranche an executed counterpart of this Amendment (or photocopies thereof sent by fax, .pdf
or other electronic means, each of which shall be enforceable with the same effect as a signed original). 

  
 5 

 (b) The Agent shall have received a certificate, dated the Amendment Effective Date and
signed by a duly authorized officer of the Company, confirming (i) the representations and warranties set forth in this Amendment shall be true and correct in all material respects on and as of the Amendment Effective Date (unless qualified by
materiality in which case are true and correct in all respects) and (ii) no event shall have occurred and be continuing, or would result from this Amendment or the transactions contemplated hereby, that would, as of the Amendment Effective
Date, constitute a Default. 
 (c) The Agent shall have received all fees and expenses due and payable on or prior to the Amendment
Effective Date, including, to the extent invoiced three (3) Business Days prior to the Amendment Effective Date, reimbursement or payment of all out-of-pocket
expenses required to be reimbursed or paid by the Company under the Credit Agreement. 
 (d) The Company shall have paid to the Agent, for
the account of each of the Lenders, an amendment fee in the amount agreed between the Company and the Agent. 
 4. Representations and
Warranties. The Company represents and warrants, as of the date hereof, that, after giving effect to the provisions of this Amendment, (a) each of the representations and warranties made by the Company in Section 4.01 of the Credit
Agreement is true in all material respects on and as of the date hereof as if made on and as of the date hereof, except (i) to the extent that such representations and warranties refer to an earlier date, in which case they were true in all
material respects as of such earlier date or (ii) to the extent that such representations and warranties are qualified as to materiality or Material Adverse Effect, in which case such representations and warranties shall be true in all
respects, and (b) no event shall have occurred and be continuing, or would result from this Amendment or the transactions contemplated hereby, that would, as of the Amendment Effective Date, constitute a Default. 

5. Effect of the Amendment. Except as expressly set forth herein, this Amendment shall not by implication or otherwise limit, impair,
constitute a waiver of, or otherwise affect the rights and remedies of the Lenders or the Agent under the Credit Agreement or any other Loan Document, and shall not alter, modify, amend, serve to effect a novation of, or in any way affect any of the
terms, conditions, obligations, covenants or agreements contained in the Credit Agreement or any other Loan Document, all of which, as amended, amended and restated, supplemented or otherwise modified hereby, are ratified and affirmed in all
respects and shall continue in full force and effect. Upon the effectiveness of this Amendment, each reference in the Credit Agreement and in any exhibits attached thereto to “this Agreement”, “hereunder”, “hereof”,
“herein” or words of similar import shall mean and be a reference to the Credit Agreement after giving effect to this Amendment. 

6. Miscellaneous. The provisions of Sections 9.02 (Notices, Etc.); 9.03 (No Waiver; Remedies); 9.04 (Costs and
Expenses) (except clauses (c) and (d) thereof); 9.08 (Confidentiality); 9.10 (Governing Law; Jurisdiction; Etc.); 9.11 (Execution in Counterparts); 9.14 (Acknowledgement and Consent to
Bail-In of Affected Financial Institutions); and 9.19 (Waiver of Jury Trial) of the Credit Agreement (as amended by this Amendment) shall apply with like effect to this Amendment. This Amendment shall
be a “Loan Document” for all purposes under the Credit Agreement. 

  
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 [REMAINDER OF PAGE LEFT INTENTIONALLY BLANK] 

  
 7 

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

					
	NUTRITION & BIOSCIENCES, INC.,
		
	By:	 	 /s/ Francis Markey

		 	Name:	 	Francis Markey
		 	Title:	 	Vice President and Assistant Treasurer

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	MORGAN STANLEY SENIOR FUNDING, INC., as Agent
		
	By:	 	 /s/ Subhalakshmi Ghosh-Kohli

		 	Name:	 	Subhalakshmi Ghosh-Kohli
		 	Title:	 	Authorized Signatory

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	BANK OF AMERICA, N.A.,
as a Lender
		
	By:	 	 /s/ Mukesh Singh

		 	Name:	 	Mukesh Singh
		 	Title:	 	Director

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	BARCLAYS BANK PLC
as a Lender
		
	By:	 	 /s/ Sydney G. Dennis

		 	Name:	 	Sydney G. Dennis
		 	Title:	 	Director

  
 [Signature Page to
N&B Term Loan Amendment] 

 
							
	BNP Paribas
as a Lender
		
	By:	 	 /s/ Christopher Sked

		 		 	Name:	 	Christopher Sked
		 		 	Title:	 	Managing Director

  

							
	By:	 	 /s/ Karim Remtoula

		 		 	Name:	 	Karim Remtoula
		 		 	Title:	 	Vice President

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	CITIBANK, N.A.
as a Lender
		
	By:	 	 /s/ Michael Vondriska

		 	Name:	 	Michael Vondriska
		 	Title:	 	Vice President

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	COBANK, ACB
as a Lender
		
	By:	 	 /s/ Jared Greene

		 	Name:	 	Jared Greene
		 	Title:	 	Assistant Corporate Secretary

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	Credit Suisse AG, Cayman Islands Branch
as a Lender
		
	By:	 	 /s/ William O’Daly

		 	Name:	 	William O’Daly
		 	Title:	 	Authorized Signatory

  

					
	By:	 	 /s/ D. Andrew Maletta

		 	Name:	 	D. Andrew Maletta
		 	Title:	 	Authorized Signatory

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 HSBC BANK USA, NATIONAL ASSOCIATION

as a Lender

		
	By:	 	 /s/ Steve Zambriczki

		 	Name:	 	Steve Zambriczki #22548
		 	Title:	 	Senior Vice President

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 Industrial and Commercial Bank of China Limited,

New York Branch
 as a Lender

		
	By:	 	 /s/ Christine Cai

		 	Name:	 	Christine Cai
		 	Title:	 	Vice President
		
	By:	 	 /s/ Pinyen Shih

		 	Name:	 	Pinyen Shih
		 	Title:	 	Executive Director

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 ING Bank N.V., Dublin Branch

as a Lender

		
	By:	 	 /s/ Sean Hassett

		 	Name:	 	Sean Hassett
		 	Title:	 	Director
		
	By:	 	 /s/ Barry Fehily

		 	Name:	 	Barry Fehily
		 	Title:	 	Managing Director

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 JPMORGAN CHASE BANK, N.A.,

as a Lender

		
	By:	 	 /s/ Peter S. Predun

		 	Name:	 	Peter S. Predun
		 	Title:	 	Executive Director

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 MIZUHO BANK, LTD.
 as
a Lender

		
	By:	 	 /s/ Donna DeMagistris

		 	Name:	 	Donna DeMagistris
		 	Title:	 	Executive Director

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 MORGAN STANLEY BANK, N.A.
 as
a Lender

		
	By:	 	 /s/ Subhalakshmi Ghosh-Kohli

		 	Name:	 	Subhalakshmi Ghosh-Kohli
		 	Title:	 	Authorized Signatory

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 MUFG Bank, Ltd.
 as a
Lender

		
	By:	 	 /s/ Mark H. Maloney

		 	Name:	 	Mark H. Maloney
		 	Title:	 	Authorized Signatory

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 STANDARD CHARTERED BANK

as a Lender

		
	By:	 	 /s/ James Beck

		 	Name:	 	James Beck
		 	Title:	 	Associate Director

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 Sumitomo Mitsui Banking Corporation

as a Lender

		
	By:	 	 /s/ Jun Ashley

		 	Name:	 	Jun Ashley
		 	Title:	 	Director

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 U.S. Bank National Association

as a Lender

		
	By:	 	 /s/ Steven Bobinchak

		 	Name:	 	Steven Bobinchak
		 	Title:	 	Assistant Vice President

  
 [Signature Page to
N&B Term Loan Amendment] 

 
					
	 WELLS FARGO BANK, NATIONAL ASSOCIATION

as a Lender

		
	By:	 	 /s/ Michael J. Stein

		 	Name:	 	Michael J. Stein
		 	Title:	 	Vice President

  
 [Signature Page to
N&B Term Loan Amendment]ex_202857.htm

Exhibit 10.1

 

 

TERM LOAN 2 NOTE

 

	$5,500,000.00	August 31, 2020
	 	Omaha, Nebraska

 

Link Media Holdings, LLC, a Delaware limited liability company (“Borrower”), for value received hereby promises to pay to the order of First National Bank of Omaha (“Lender”), at Omaha, Nebraska or via wire transfer, as applicable, in lawful money of the United States of America (A) the principal amount of FIVE MILLION FIVE HUNDRED THOUSAND AND 00/100 DOLLARS ($5,500,000.00) or, if less, the aggregate unpaid amount of Term Loan 2 as may be made to Borrower by Lender pursuant to the Credit Agreement referred to below, such amount to be payable in the amounts and on the dates set forth in the Credit Agreement, the terms of which are hereby incorporated herein by reference, and (B) interest from the date hereof on the principal amount from time to time outstanding on such Term Loan 2 at a fixed rate per annum equal to 3.375%, subject at all times to Section 1.06(d) of the Credit Agreement.

 

This Note is the Term Loan 2 Note under which Term Loan 2 may be made by Lender, but only in accordance with the terms and conditions of the Credit Agreement. This Note evidences borrowings under, is subject to, is secured in accordance with, and may be accelerated or matured under, the terms of the Credit Agreement which reference is hereby made. This Note is subject to optional prepayment as provided in the Credit Agreement.

 

This Note shall be interpreted and the rights of the parties hereunder shall be determined under the internal laws of, and enforceable in, the State of Nebraska.

 

This Note evidences indebtedness incurred under, and is subject to the terms and provisions of, the Credit Agreement, dated as of August 12, 2019 (as amended, restated, supplemented or otherwise modified from time to time, the “Credit Agreement”), by and between Borrower and Lender, which Credit Agreement reference is hereby made for a statement of the terms and provisions under which this Note may or must be paid prior to its due date or its due date accelerated. Capitalized terms not otherwise defined herein are used herein as defined in the Credit Agreement.

 

At Lender’s election, all borrowings evidenced by this Note and all payments and prepayments of the principal hereof and interest hereon and the respective dates thereof shall be endorsed by the holder hereof on the schedule attached hereto and made a part hereof or on a continuation thereof which shall be attached hereto and made a part hereof, or otherwise recorded by such holder in its internal records; provided, however, that the failure of the holder hereof to make such a notation or any error in such notation shall not affect the obligations of the Borrower under this Note.

 

Borrower hereby waives presentment for payment, demand, protest and notice of dishonor and nonpayment of this Note and agrees that no obligation hereunder shall be discharged by reason of any extension, indulgence, release, or forbearance granted by any holder of this Note to any party now or hereafter liable hereon.

 

 

[signature page follows]

 

 

 

 

Borrower is executing this Term Loan 2 Note as of the date first above written.

 

	
			 

				
			LINK MEDIA HOLDINGS, LLC

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			 

				
			 

				
			 

			
	
			 

				
			By: 

				
			/s/ Scott LaFoy 

				
			 

			
	
			 

				
			Name:

				
			   Scott LaFoy

				
			 

			
	
			 

				
			Title: 

				
			President and Chief Executive Officer

				
			 

			

 

 

 

 

 

 

 

 

 

LOANS AND PAYMENTS

SCHEDULE

 

 

 

	
			Date

				 	
			Amount of

			Loan

				 	
			Maturity

			Date

				 	
			Payments of

			Principal/Interest

				 	
			Principal

			Balance of

			Note

				 	
			Name of

			Person

			Making the

			Notation

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