Document:

First Amendment to Credit Agreement

 Exhibit 10.1 
  
 FIRST AMENDMENT TO CREDIT AGREEMENT 
  
 This FIRST AMENDMENT TO CREDIT AGREEMENT (this “Amendment”), dated as of January 27, 2006, to
the Credit Agreement (as defined below), among (a) The Rowe Companies, a Nevada corporation, Rowe Furniture, Inc., a Virginia corporation and Storehouse, Inc., a Georgia corporation (collectively, the “Borrowers”), (b) the
other Credit Parties signatory thereto, (c) the lenders or other financial institutions party thereto (each a “Lender” and, collectively, the “Lenders”) and (d) General Electric Capital Corporation, a
Delaware corporation, as agent (in such capacity, the “Agent” and, in its individual capacity, “GE Capital”) for the Lenders. All capitalized terms used in this Amendment and not otherwise defined herein shall have
the same meanings herein as in the Credit Agreement (as defined below) or in Annex A thereto. 
  
 WHEREAS, Borrowers, the other Credit Parties, Lenders and Agent are party to that certain Credit Agreement, dated as of January 6, 2006 (as
amended, supplemented, restated, or otherwise modified and in effect from time to time, the “Credit Agreement”); and 
  
 WHEREAS, the Lenders have agreed, subject to the satisfaction of the conditions precedent set forth herein, to amend the Credit Agreement as set
forth herein; 
  
 NOW, THEREFORE, each of the parties
hereto hereby agree as follows: 
  
 §1. Amendment to
Section 1.1(a)(i) of the Credit Agreement. Section 1.1(a)(i) of the Credit Agreement is hereby amended by deleting the second proviso contained in the fourth sentence thereof and substituting in lieu thereof the following:

  
 “and provided further that, prior to the
Borrowers’ receipt of the Equity Contribution, the sum of the aggregate Revolving Loan and Swing Line Loan then outstanding, after giving effect to such Revolving Credit Advances, shall not exceed $45,000,000.” 
  
 §2. Amendment to Section 1.1(c)(i) of the Credit
Agreement. Section 1.1(c)(i) of the Credit Agreement is hereby amended by deleting the period contained at the end of the third sentence thereof and substituting in lieu thereof the following: 
  
 “provided that, prior to the Borrowers’
receipt of the Equity Contribution, the sum of the aggregate Revolving Loan and Swing Line Loan then outstanding, after giving effect to any Swing Line Loan, shall not exceed $45,000,000.” 
  
 §3. Amendment to Section 5 of the Credit
Agreement. Section 5 of the Credit Agreement is hereby amended by deleting Section 5.14 in its entirety 

 §4. Amendment to Section 6 of the Credit Agreement. Section 6 of the
Credit Agreement is hereby amended by adding the following new section in appropriate numerical order: 
  
 “6.20 Wachovia Letters of Credit and Related Compensation. No Credit Party shall pay any fees, reimbursement obligations,
interest or other consideration with respect to or in connection with the issuance, renewal or drawing of the Wachovia Letters of Credit other than, so long as no Default or Event of Default has occurred and is continuing or would result after
giving effect to such payment, the “Fees” (for purposes of this Section 6.20 only, as defined in the Wachovia Letter of Credit Agreements).” 
  
 §5. Amendment to Section 8.1(b) of the Credit Agreement. Section 8.1(b) of the Credit
Agreement is hereby amended by deleting the reference to Section 5.14 contained therein. 
  
 §6. Amendment to Annex A of the Credit Agreement. Annex A to the Credit Agreement is hereby amended as follows: 
  
 (a) The definition of “Borrowing Base” is hereby amended by
deleting the text “and” contained immediately following clause (d) contained therein, inserting the text “and” immediately following clause (e) contained therein, and inserting the following new clause
(f): 
  
 “(f) 100% of the face amount of the
Wachovia Letters of Credit or, to the extent the Wachovia Letters of Credit are drawn and proceeds thereof are deposited in a cash collateral account in accordance with the Wachovia Letter of Credit Agreements, the amount of such cash
collateral,” 
  
 (b) The definition of “Customer Deposit
Reserve” is hereby amended by deleting the text “(i)” contained therein and deleting the text “or (ii) at any time after January 20, 2006, in the event that the Borrowers have not received the Equity Commitment on or
prior to such date” contained therein. 
  
 (c) The definition
of “Loan Documents” is hereby amended by inserting the text “Wachovia Letters of Credit, Wachovia Letter of Credit Agreements” immediately following the text “the Master Documentary Agreement,” contained therein.

  
 (d) The definition of “Reserves” is hereby amended
by deleting the proviso contained in the last sentence thereof. 
  
 (e) The following new definition is hereby inserted in appropriate alphabetical order: 
  
 ““Equity Contribution” means the Borrowers’ receipt of (a) net cash proceeds from an equity investment of
not less than $9,500,000 and (b) a commitment for an additional equity investment in an amount that will result in the Borrowers’ receipt of net cash proceeds of not less than $2,000,000, in each case, on terms and conditions reasonably
satisfactory to the Agent.” 
  

 - 2 - 

 (f) The following new definition is hereby inserted in appropriate alphabetical order: 
  
 ““Wachovia Letters of Credit” means
(a) that certain standby letter of credit having a face amount of $1,500,000, issued by Wachovia Bank, National Association, for the account of Sidney Silver and for the benefit of Agent and (b) that certain standby letter of credit having
a face amount of $1,500,000, issued by Wachovia Bank, National Association, for the account of Gerald M. Birnbach and for the benefit of Agent.” 
  
 (g) The following new definition is hereby inserted in appropriate alphabetical order: 
  
 ““Wachovia Letter of Credit Agreements” means (a) that certain letter of credit
agreement, dated as of January 27, 2006, between Sidney Silver and the Agent and (b) that certain letter of credit agreement, dated as of January 27, 2006, between Gerald M. Birnbach and the Agent.” 
  
 §7. Amendment to Annex B of the Credit Agreement. Annex
B of the Credit Agreement is hereby amended by deleting the proviso contained in the second sentence of clause (a) thereof and substituting in lieu thereof the following: 
  
 “provided that, prior to the Borrowers’ receipt of the Equity Contribution, the sum of the
aggregate Revolving Loan and Swing Line Loan then outstanding, after giving effect to the incurrence of such Letter of Credit Obligations, shall not exceed $45,000,000.” 
  
 §8. Amendment to Annex F of the Credit Agreement. Annex F to the Credit Agreement is hereby
amended by deleting clause (g) contained therein in its entirety and substituting in lieu thereof the following: 
  
 “(g) Until the Borrowers’ receipt of the Equity Contribution, to the Agent, on Wednesday of each week, (i) projections of
the cash flows of Rowe Companies and its Subsidiaries and (ii) projections of Borrowing Availability, in each case, for the immediately succeeding eight weeks and consistent with the Pro Forma delivered on the Closing Date;” 
  
 §9. Amendment to Annex G of the Credit Agreement. Annex
G to the Credit Agreement is hereby amended by deleting the first clause (i) contained in the first proviso of clause (c) thereof and substituting the following: 
  
 “(i) the Minimum Borrowing Availability Amount shall be
reduced to $8,000,000 upon the Borrowers’ receipt of the Equity Contribution” 
  

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 §10. Representations and Warranties. Each Credit Party represents and warrants to the
Lenders as follows: 
  
 (a) The representations and warranties of
the Credit Parties contained in the Credit Agreement, as amended hereby, are true in all material respects at and as of the date made and as of the date hereof, except to the extent of changes resulting from transactions contemplated or permitted by
the Credit Agreement and to the extent that such representations and warranties relate expressly to an earlier date. 
  
 (b) As of the date hereof, after giving effect to the provisions of this Amendment, no Default or Event of Default has occurred and is continuing.

  
 (c) The execution and delivery by such Credit Party of this
Amendment and the performance by such Credit Party of all of its agreements and obligations under this Amendment and the Credit Agreement, as amended hereby, and the other Loan Documents to which it is a party (i) are within the corporate or
organizational authority of such Credit Party, (ii) have been duly authorized by all necessary corporate or other similar proceedings or actions by such Credit Party, (iii) do not conflict with or result in any breach or contravention of
any provision of law, statute, rule or regulation to which such Credit Party is subject or any judgment, order, writ, injunction, license or permit applicable to such Credit Party, (iv) do not conflict with any provision of the governing
documents of such Credit Party, and (v) do not conflict with any provision of any agreement or other instrument binding upon such Credit Party. 
  
 (d) This Amendment and the Credit Agreement, as amended hereby, and the other Loan Documents to which such Credit Party is a party, constitute the legal,
valid and binding obligations of such Credit Party enforceable against such Credit Party in accordance with their respective terms, except as enforceability is limited by bankruptcy, insolvency, reorganization, moratorium or other laws relating to
or affecting generally the enforcement of creditors’ rights and except to the extent that availability of the remedy of specific performance or injunctive relief is subject to the discretion of the court before which any proceeding therefor may
be brought. 
  
 §11. Affirmation and Agreements of
Borrowers and Guarantors. 
  
 (a) Each Borrower hereby
affirms its absolute and unconditional promise to perform and pay to the Lenders the Obligations under the Credit Agreement, as amended hereby, and the other Loan Documents at the times and in the amounts provided for therein. 
  
 (b) The Guarantors hereby acknowledge that they have read and are aware of
the provisions of this Amendment. 
  
 (c) Nothing contained herein
shall constitute a waiver of, impair or otherwise affect any Obligations, any other obligation of the Credit Parties or any rights of Agent or the Lenders consequent thereon. 
  

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 §12. Conditions Precedent. This Amendment shall be effective as of the date hereof
upon receipt by Agent of (a) an original counterpart signature (or a faxed copy thereof with originals to follow) to this Amendment, duly executed and delivered by each Credit Party and the Requisite Lenders and (b) the original (or a
faxed copy thereof with originals to follow) fully executed Wachovia Letter of Credit and Wachovia Letter of Credit Agreement. 
  
 §13. Effect of Amendment. Except as expressly set forth herein, this Amendment does not constitute an amendment of any other term or
condition of the Credit Agreement or any other Loan Document, and all such terms and conditions shall remain in full force and effect and are hereby ratified and confirmed in all respects. Nothing contained in this Amendment shall be construed to
imply a willingness on the part of the Lenders to grant any similar or other future amendment of any of the terms and conditions of the Credit Agreement or the other Loan Documents. Nothing contained herein shall in any way prejudice, impair or
otherwise adversely affect any rights or remedies of Agent and the Lenders under the Credit Agreement, as amended, or any other Loan Document. This Amendment shall constitute a Loan Document. 
  
 §14. Costs and Expenses. Each of the Borrowers hereby
reconfirms its obligations pursuant to, and on the terms set forth in, Section 11.3 of the Credit Agreement to pay and reimburse Agent for all costs and expenses (including without limitation, the reasonable fees and expenses of its
counsel) incurred in connection with the negotiation, preparation, execution and delivery of this Amendment. 
  
 §15. Miscellaneous Provisions. 
  
 (a) Except as otherwise expressly provided by this Amendment, the Credit Agreement and all documents, instruments and agreements related thereto,
including but not limited to the Collateral Documents, are hereby ratified and confirmed in all respects and shall continue in full force and effect. The Credit Agreement and this Amendment, shall be read and construed as a single instrument. All
references to the Credit Agreement or any related agreement or instrument to the Credit Agreement shall hereafter refer to the Credit Agreement, as amended hereby. 
  
 (b) THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED AND ENFORCED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK
(EXCLUDING THE LAWS APPLICABLE TO CONFLICTS OR CHOICE OF LAW OTHER THAN GENERAL OBLIGATIONS LAW §5-1401 AND §5-1402). 
  
 (c) This Amendment may be executed in any number of counterparts, but all such counterparts shall together constitute but one instrument. In making proof
of this Amendment it shall not be necessary to produce or account for more than one counterpart signed by each party hereto by and against which enforcement hereof is sought. Delivery by facsimile by any of the parties hereto of an executed
counterpart hereof shall be as effective as an original executed counterpart hereof and shall be considered a representation that an original executed counterpart hereof will be delivered. 
  

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 (d) Headings or captions used in this Amendment are for convenience of reference only and shall not
define or limit the provisions hereof. 
  
 [signature pages
follow] 
  

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

			
	THE ROWE COMPANIES
		
	By:	 	 /s/ Garry W. Angle

	Name:	 	 Garry W. Angle

	Title:	 	 Vice President/Treasurer

	
	ROWE FURNITURE, INC.
		
	By:	 	 /s/ Garry W. Angle

	Name:	 	 Garry W. Angle

	Title:	 	 Treasurer

	
	STOREHOUSE, INC.
		
	By:	 	 /s/ Garry W. Angle

	Name:	 	 Garry W. Angle

	Title:	 	 Treasurer

	
	ROWE PROPERTIES, INC.
		
	By:	 	 /s/ Garry W. Angle

	Name:	 	 Garry W. Angle

	Title:	 	 Treasurer

	
	ROWE DIVERSIFIED, INC.
		
	By:	 	 /s/ Garry W. Angle

	Name:	 	 Garry W. Angle

	Title:	 	 Treasurer

			
	 GENERAL ELECTRIC CAPITAL
 CORPORATION,

	as Agent and Lender
		
	By:	 	 /s/ Charles D. Chiodo

	Name:	 	 Charles D. Chiodo

	Title:	 	Its Duly Authorized SignatoryLetter of Credit Agreement between Gerald M. Birnbach

 Exhibit 10.2 
  
 LETTER OF CREDIT AGREEMENT 
  
 LETTER OF CREDIT AGREEMENT (this “Agreement”), dated as of January 27, 2006, between Gerald M. Birnbach (the “Account Party”), and
GENERAL ELECTRIC CAPITAL CORPORATION, a Delaware corporation, as agent (in such capacity, herein the “Agent”) for certain lenders (the “Lenders”) under the Credit Agreement dated as of January 6, 2006 (as the
same may be amended, modified or supplemented from time to time, the “Credit Agreement”) among (a) Agent, (b) Lenders, (c) The Rowe Companies, Rowe Furniture, Inc. and Storehouse, Inc., as Borrowers (individually, a
“Borrower” and collectively, the “Borrowers”), and (d) the other credit parties signatory thereto. Unless otherwise defined all capitalized terms used herein shall have the meaning given to them in the Credit
Agreement. 
  
 RECITALS: 
  
 WHEREAS, the Account Party is a shareholder of The Rowe Companies, and, as
such, will derive direct and indirect economic benefits from the making of the Loans and other extensions of credit to the Borrower pursuant to the Credit Agreement (which benefits are hereby acknowledged); 
  
 WHEREAS, Agent and Lenders have agreed to make certain modifications to the
Credit Agreement which will result in additional Loans and other extensions of credit to the Borrowers, but only upon the condition, among others, that the Account Party (a) provide the limited guaranty contained herein and (b) cause to be
issued by Wachovia Bank, National Association, for its account and for the benefit of Agent a standby letter of credit having a face amount of $1,500,000 in the form of Exhibit A hereto (the “Letter of Credit”). 
  
 NOW, THEREFORE, in consideration of the premises and for other good and
valuable consideration receipt of which is hereby acknowledged, it is agreed as follows: 
  
 1. Guaranty. The Account Party hereby guarantees to the Lenders and the Agent the full and punctual payment when due (whether at stated maturity, by required pre-payment, by acceleration or otherwise), as well
as the performance, of, subject to the last sentence contained in this Section 1, all of the Obligations including all such which would become due but for the operation of the automatic stay pursuant to §362(a) of the Federal Bankruptcy
Code and the operation of §§502(b) and 506(b) of the Federal Bankruptcy Code. If for any reason any of the Borrowers has no legal existence or is under no legal obligation to discharge any of the Obligations, or if any of the Obligations
have become irrecoverable from any of the Borrowers by reason of any of the Borrowers’ insolvency, bankruptcy or reorganization or by other operation of law or for any other reason, this guaranty shall nevertheless be binding on the Account
Party to the same extent as if the Account Party at all times had been the principal obligor on all such Obligations. Notwithstanding anything to the contrary contained herein, (a) the Agent’s and each Lender’s remedies hereunder
shall be recourse only to the Letter of Credit, (b) the liability of the Account Party hereunder shall be limited to $1,500,000 and (c) the Agent will not demand payment under this guaranty except to the extent that the Agent is entitled
to draw on the Letter of Credit pursuant to Section 2 hereof. 

 2. Drawings on Letter of Credit. Agent hereby agrees that, notwithstanding any provisions of the
Letter of Credit to the contrary, Agent shall not be entitled to make drawings under the Letter of Credit unless and until: (a) (i) Agent has completed the disposition of substantially all the collateral securing the Obligations pursuant
to the exercise of any rights or remedies under the Loan Documents, as determined by Agent in its reasonable business judgment, or (ii) in any proceeding under the Bankruptcy Code in which any of the Borrowers are debtors, a court having
jurisdiction over such proceeding enters an order confirming a plan of reorganization that does not require payment in full in cash of all of the Obligations; provided that, the proceeds of such disposition (in the case of clause (a)(i)) or
payments under such plan of reorganization (in the case of clause (a)(ii)) are not sufficient to pay in full in cash all of the Obligations (such shortfall being the “Deficiency”), (b) 18 months after acceleration of the
Obligations pursuant to the terms of the Credit Agreement or the commencement of any proceeding under the Bankruptcy Code or any similar proceeding in which any of the Borrowers are debtors, (c) the failure by any Borrower to reasonably
cooperate with the Agent with respect to any enforcement action taken or proposed to be taken by the Agent pursuant to the terms of the Loan Documents (the events in clauses (a)(i), (a)(ii), (b) and (c) each being referred to herein
as a “Payment Event”), or (d) at any time after the date which is thirty (30) days prior to the stated expiry date of the Letter of Credit; provided, further that, with respect to (x) drawings pursuant
to clause (a) above, Agent shall not be entitled to make drawings under the Letter of Credit in an amount in excess of the Deficiency and (y) drawings pursuant to clauses (b) and (c) above, Agent shall not be
entitled to make drawings under the Letter of Credit in an amount in excess of the Obligations at such time. Except for drawings under clause (d) of this Section 2, the Agent hereby agrees that any drawing under the Letter of Credit
shall be made concurrently with a drawing in the same amount under that certain standby letter of credit issued for Sidney Silver’s account and for the benefit of Agent having a face amount of $1,500,000, to the extent such letter of credit is
valid and existing at such time. 
  
 3. Proceeds of Letter of
Credit. Agent shall apply (a) proceeds of any drawing under the Letter of Credit referred to in clause (a) of Section 2 hereof to satisfy any Deficiency and (b) proceeds of any drawing under the Letter of Credit
referred to in clauses (b) and (c) of Section 2 hereof to satisfy any Obligations. Agent shall deposit proceeds of any drawing under the Letter of Credit referred to in clause (d) of Section 2 hereof into a
cash collateral account (the “Cash Collateral Account”) maintained at a bank or financial institution acceptable to Agent until the occurrence, if any, of a Payment Event, at which time funds in the Cash Collateral Account shall be
used solely to satisfy, as applicable, (x) any Deficiency, pursuant to clause (a) of Section 2 hereof, or (y) the Obligations, pursuant to clause (b) and/or clause (c) of Section 2 hereof. Upon
payment in full in cash of all of the Obligations and the termination of any commitments to make further extensions of credit under the Loan Documents, any funds remaining in the Cash Collateral Account shall be paid to Account Party at c/o Barry
Taff, Esq., Silver Freedman & Taff, LLP., 1700 Wisconsin Avenue N.W., Washington, D.C. 20007 or as otherwise required by law. The Cash Collateral Account shall be in the name of Agent and shall be subject to the control of Agent, for the
benefit of Agent and Lenders, in a manner satisfactory to Agent. Account Party hereby pledges and grants to Agent, on behalf of itself and Lenders, a security interest in all such funds held in the Cash Collateral Account from time to time and all
proceeds thereof, as security for the payment of all amounts due in respect of the Obligations, whether or not then due. This Agreement shall constitute a security agreement under applicable law. Any interest earned on deposits in the Cash
Collateral Account shall be deposited in the Cash Collateral Account and held as additional collateral, provided Agent shall be under no obligation to make any investments with such funds. 

 4. Cancellation. Agent agrees that Agent shall return the Letter of Credit to the Account Party
for cancellation upon the earlier of (a) Borrowers’ receipt of the Equity Contribution and (b) payment in full in cash of all of the Obligations and the termination of any commitments to make further extensions of credit under the
Loan Documents 
  
 5. Subordination, Fees, etc. The parties
hereto hereby agree that all fees, reimbursement obligations, interest and other consideration and other amounts owing to the Account Party with respect to or in connection with the issuance, any renewal or the drawing of the Letter of Credit shall
be and hereby are subordinated and the payment thereof is deferred until the full and final payment in cash of the Obligations, whether now or hereafter incurred or owed by the Credit Parties. Notwithstanding the immediately preceding sentence, the
Borrowers shall be permitted to pay, and the Account Party shall be permitted to receive, (a) any regularly scheduled payment of Fees so long as at the time of such payment, and after giving effect thereto, no Default or Event of Default would
exist and (b) reimbursement for all reasonable out-of-pocket expenses (including legal fees) incurred by the Account Party in connection with the issuance of the Letter of Credit and the related transactions and agreements. For purposes hereof,
“Fees” shall mean any fee required to be paid by the Borrowers to the Account Party in connection with the issuance and any renewal of the Letter of Credit; provided that (i) the aggregate of all Fees in connection with the
initial issuance of the Letter of Credit shall not exceed 2% of the face amount of the Letter of Credit, (ii) the aggregate of all Fees in connection with any renewal of the Letter of Credit during the initial year after issuance shall not
exceed 2% on the face amount of the Letter of Credit and (iii) the aggregate of all Fees in connection with each renewal of the Letter of Credit during any subsequent year shall not exceed 4% on the face amount of the Letter of Credit.

  
 6. Waivers. Until payment in full in cash of all of the
Obligations and the termination of any commitments to make further extensions of credit under the Loan Documents, the Account Party shall not: (a) exercise any right against any Credit Party, by way of subrogation, reimbursement, indemnity,
contribution, or the like; or (b) file any proof of any claim in competition with the Agent or any Lender in respect of the Letter of Credit or any drawing thereunder in any bankruptcy or insolvency proceedings of any nature with respect to any
Credit Party. Account Party hereby agrees that Agent and Lenders may exercise remedies against all or part of any collateral held as security for the Obligations, and apply any proceeds of such collateral to the Obligations, in such order as Agent
and Lenders, in their sole discretion, elect. Account Party agrees not to assert and hereby waives, to the fullest extent permitted by law, (a) any right to promptness, diligences, presentment, demand, protest, notice of acceptance, notice of
any Obligations incurred and all other notices of any kind, (b) any right to request, plead or otherwise assert or otherwise claim the benefit of, any marshaling, appraisement, valuation or other similar right of a creditor that may otherwise
be available under applicable law or any right to receive notice of Agent’s and Lenders’ intended disposition of such collateral (or a portion thereof), (c) all defenses which may be available by virtue of any valuation, stay,
moratorium law or other similar law now or hereafter in effect and (d) all suretyship defenses generally. Neither Agent nor any Lender nor any of their respective directors, officers, employees or agents shall be liable for failure to demand,
collect or realize upon any of such 

 collateral or for any delay in doing so or shall be under any obligation to sell or otherwise dispose of any such
collateral upon the request of any Credit Party or Account Party or any other Person or to take any other action whatsoever with regard to any such collateral or any part thereof. Account Party hereby waives, releases and discharges any and all
rights, claims, causes of action, liabilities, claims and demands, in law or equity, which Account Party has had, now has, or may in the future have, arising out of or relating directly or indirectly to the taking or not taking of any act or
proceeding or not proceeding with any action which Agent or any Lender may take pursuant to the Loan Documents or any other documents or in an effort to collect in respect of the Obligations. 
  
 7. Changes In Obligations. The Account Party consents to, and agrees
that Agent and Lenders shall have no liability to Account Party as a result of (and agrees that none of the following shall require notice to or consent of the Account Party or affect any of the Account Party’s obligations hereunder),
(a) any consent, forbearance or waiver which the Agent or any Lender might grant or give any Credit Party and/or any other person liable or obligated for or on the Obligations, (b) any amendment, cancellation, termination or modification
of any provision of any Loan Document or the Obligations or any compromise, settlement, or release by the Agent or any Lender of the Obligations or of the obligations of any such other person (whether or not jointly liable with the Account Party),
or (c) any release of any collateral securing the Obligations or securing the obligations of any such other person. 
  
 8. Binding Effect, Amendments. This Agreement shall inure to the benefit of the parties and their respective successors and assigns and shall be
binding upon the heirs, successors, representatives, and assigns of parties. No amendment, modification, termination or waiver of any provision of this Agreement, or any consent to any departure by any party therefrom, shall in any event be
effective unless the same shall be in writing and signed by Agent and Account Party. All of the understandings, covenants, and agreements contained herein are solely for the benefit of the parties, their respective successors and assigns and there
are no other parties, including any Credit Party or any of their creditors, successors, or assigns, which are intended to be benefited, in any way, by this Agreement. 
  
 9. Counterparts; Headings. This Agreement may be executed in counterparts, each of which shall be an original and all
of which, taken together, shall constitute a single instrument. The headings in this Agreement are for convenience of reference only, and shall not alter or otherwise affect the meaning hereof. 
  
 10. GOVERNING LAW; WAIVER OF JURY TRIAL. THIS AGREEMENT SHALL BE
GOVERNED BY, AND CONSTRUED AND ENFORCED IN ACCORDANCE WITH, THE INTERNAL LAWS OF THE STATE OF NEW YORK. THE PARTIES AGREE THAT ANY ACTIONS ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT SHALL BE TRIED AND LITIGATED IN THE STATE AND FEDERAL
COURTS LOCATED IN THE COUNTY OF NEW YORK, IN THE STATE OF NEW YORK. THE PARTIES HERETO WANE ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, SUIT, OR PROCEEDING BROUGHT TO RESOLVE ANY DISPUTE, WHETHER SOUNDING IN CONTRACT, TORT OR OTHERWISE, BETWEEN AGENT
AND ACCOUNT PARTY ARISING OUT OF, CONNECTED WITH, RELATED TO, OR INCIDENTAL TO THIS AGREEMENT. 

 11. Severability; No Strict Construction. Wherever possible, each provision of this Agreement
shall be interpreted in such a manner as to be effective and valid under applicable law, but 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 the remaining provisions of this Agreement. 
  
 12. Transferability. The Account Party hereby agrees that the Agent may assign or otherwise transfer this Agreement and the Letter of Credit
pursuant to the provisions of Section 9 of the Credit Agreement. 

 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed as of the date
first herein above set forth. 
  

			
	 /s/ Gerald M. Birnbach

 Gerald M. Birnbach

	
	 GENERAL ELECTRIC CAPITAL
 CORPORATION, as
Agent

		
	By:	 	 /s/ Charles D. Chiodo

	Name:	 	 Charles D. Chiodo

	Title:	 	Duly Authorized Signatory

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