Document:

exv10w1

Exhibit 10.1

Loan Number: 275704497

CHANGE IN TERMS AGREEMENT

     THIS CHANGE IN TERMS AGREEMENT (“Agreement”) is dated as of the 28th day of
October, 2010 and is executed by and among LAKES ENTERTAINMENT, INC. (“Borrower”), LYLE BERMAN (the
“Guarantor”) and CENTENNIAL BANK, f/k/a First State Bank (“Lender”).

     WHEREAS, Borrower executed and delivered to Lender on or about October 28, 2008 that certain
$8,000,000.00 Secured Line of Credit Promissory Note (the “Promissory Note”) and pledged certain
collateral more particularly described therein and Borrower and Guarantor collectively delivered
that certain Unconditional Guaranty and other documents related to the foregoing, referenced in the
foregoing or otherwise applicable to the subject transaction (said documents along with the
Promissory Note being collectively referred to herein as the “Loan Documents”);

     WHEREAS, the Borrower has requested that the Lender modify and amend the maturity date that is
applicable to the Promissory Note and the Loan Documents, and the Lender is willing to accommodate
the Borrower;

     NOW, THEREFORE, for and in consideration of the mutual covenants and conditions that are
referenced and exchanged herein, and for other good and valuable consideration, the parties hereto,
intending to be legally bound hereby, covenant and agree as follows:

     1. Amendment of Maturity Date. The definition of “Maturity Date” set forth in the
Promissory Note is hereby modified and amended to mean “October 28, 2012.”

     2. General Amendment. In addition, all other provisions of the Loan Documents are
hereby modified and amended so as to be consistent with the amendments set forth herein.

     3. Ratification and Reaffirmation of Debt. Borrower and Guarantor do hereby certify,
represent, warrant and affirm to Lender the following, it being understood that such certifications
and representations constitute and comprise material assurances upon which Lender is basing its
decision to provide the accommodations referenced herein:

     a. Borrower and Guarantor hereby ratify and reaffirm all of Borrower’s and Guarantor’s
financial and other obligations of every nature that are set forth and contained in the Loan
Documents;

     b. Borrower and Guarantor agree and acknowledge that all Loan Documents are legal,
valid and binding financial obligations that are enforceable against Borrower and Guarantor,
as applicable, in accordance with their terms;

     c. Borrower and Guarantor agree and acknowledge that as of the date of this Agreement,
the principal balance outstanding under the Loan Document is $0 and that the Borrower has
$8,000,000 of credit available pursuant thereto;

1

 

Loan Number: 275704497

     d. Borrower and Guarantor agree and acknowledge that with respect to any amounts
advanced under the Loan Documents as of the date of this Agreement, they have no defenses to
their payment and performance obligations that are set forth in the Loan Documents and that
Borrower’s and/or Guarantor’s default under the Loan Documents will entitle Lender to
receive, without contest by Borrower or Guarantor, a judgment against Borrower and/or
Guarantor and the right to foreclose, without contest by Borrower or Guarantor, its liens
that are contained in the Loan Documents;

     e. Borrower and Guarantor agree and acknowledge that with respect to any amounts
advanced under the Loan Documents as of the date of this Agreement, they possess no claims,
counterclaims or offset rights of any nature, including any that would prohibit the Lender
from enforcing its rights and remedies under the Loan Documents and to the extent such
claims may exist, Borrower and Guarantor hereby waive them in their entirety;

     f. Borrower and Guarantor agree and acknowledge that the Lender has fully performed all
of its obligations as set forth in the Loan Documents;

     g. Borrower and Guarantor agree and acknowledge that the priority of the liens created
by the mortgage and the other Loan Documents in favor of the Lender to secure the
performance of Borrower’s obligations under the Loan Documents shall not be disturbed or
lost by the execution and performance of this Agreement; and

     h. Borrower and Guarantor agree and acknowledge that (i) Lender has not represented
(either by express agreement, course of performance or otherwise) that it will agree to
further modifications or amendments to the Loan, including without limitation, renewals,
extensions, rate reductions or changes in the repayment schedule; (ii) Lender has no
obligation to make such further modifications or amendments; and (iii) in the formulation
and execution of their business plan, Borrower and Guarantor are not relying on the Lender
agreeing to such modifications or amendments.

     i. Borrower and Guarantor agree and acknowledge that the original interest rate on and
applicable to the Loan Documents is 8.95% and that the Loan Documents shall continue to
accrue interest at that rate in accordance with the provisions set forth therein.

     4. Miscellaneous. This Agreement and the Loan Documents constitute the entire
understanding and agreement between the undersigned parties with respect to the transactions
arising in connection with the Loan and supersede all prior written or oral
understandings and agreements between the undersigned parties in connection therewith and
except for the modification specifically set forth herein the Loan Documents shall remain in full
force and effect. Neither this Agreement, nor the Loan Documents may be orally modified but may be
amended only by written agreements executed by the original parties to said documents.
Jurisdiction and venue associated with the enforcement of Lender’s rights and remedies hereunder
and pursuant to the Loan Documents shall be vested solely and exclusively in an

2

 

Loan Number: 275704497

appropriate court
of competent jurisdiction located in Faulkner County, Arkansas. Borrower waives Borrower’s right
to a jury trial of any issues arising in connection with the enforcement of this Agreement or the
Loan Documents. It is expressly agreed and understood that this Agreement may be executed in
multiple counterparts and with multiple signature pages and that all signature pages, when attached
to and assembled with this document, shall constitute and comprise a single document that is
enforceable against all parties on all signature pages in accordance with this Agreement’s terms.

[Remainder of Page Intentionally Blank;

Signatures To Follow]

3

 

Loan Number: 275704497

[Signatures to Change in Terms Agreement]

     THIS CHANGE IN TERMS AGREEMENT has been executed as of the date set forth in the preface.

	 	 	 	 	 

	 	 	“BORROWER”
	 
	 	 	 	 
	 	 	Lakes Entertainment, Inc.
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Timothy J. Cope
 
 
	 
	 	 	 	 
	 

	 	Title:
	 	President
 
 
	 

	 	“GUARANTOR”
	 
	 	 	 	 
	 	 	/s/ Lyle Berman
	 	 	   
	 	 	Lyle Berman
	 
	 	 	 	 
	 

	 	“LENDER”
	 
	 	 	 	 
	 	 	Centennial Bank
	 	 	f/k/a First State Bank
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Greg Sanson
 
 
	 
	 	 	 	 
	 

	 	Title:
	 	Chief Lending Officer
 
 

4exv10w11

Exhibit 10.11

July 20, 2010

The Greenbrier Companies, Inc.

One Centerpointe Drive, Suite 200

Lake Oswego, OR 97035

			
	Re:	 	Fifth Amendment to Amended and Restated Credit Agreement, dated as of November 7, 2006 (as
amended, restated, extended, supplemented or otherwise modified in writing from time to time,
the “Credit Agreement;” the terms defined therein being used herein as therein
defined), among The Greenbrier Companies, Inc., an Oregon corporation (the “Company”),
the Subsidiary Guarantors party thereto, the Lenders from time to time party thereto, and Bank
of America, N.A., as U.S. Administrative Agent.

Ladies and Gentlemen:

The parties hereto agree that:

           (a) the definitions of “Consolidated Adjusted Interest Coverage Ratio,” “Consolidated EBITDA”
and “Subsidiary” in Section 1.01 of the Credit Agreement are hereby amended to read as follows:

          “Consolidated Adjusted Interest Coverage Ratio” means, as of any date of
determination, the ratio of (a) Consolidated EBITDA plus rent expense for the period of the
four prior fiscal quarters ending on such date to (b) Consolidated Interest Charges
(excluding (i) any non-cash impact associated with the WRC Warrants and (ii) any prepayment
premiums associated with the voluntary prepayment or redemption of the Company’s 8-3/8%
Senior Notes due 2015) plus rent expense for such period. Solely for purposes of this
definition, “rent expense” shall include operating lease expense. Notwithstanding the
forgoing, the aggregate amount of prepayment premiums excluded from Consolidated Interest
Charges pursuant to the parenthetical in clause (b) of the preceding sentence, together
with the aggregate amount of consent fees added back to Consolidated Net Income for purposes
of calculating Consolidated EBITDA pursuant to clause (a)(vi) of such definition, shall not
exceed 3% of the outstanding principal amount of the Company’s 8-3/8% Senior Notes due 2015.
In addition, solely for purposes of this definition and in the sole discretion of the
Company, Consolidated EBITDA and Consolidated Interest Charges shall include pro-forma
adjustments to incorporate the financial results of any entity acquired during the subject
period by the Company or its Subsidiaries.

          “Consolidated EBITDA” means, for any period, for the Company and its
Subsidiaries on a consolidated basis, an amount equal to Consolidated Net Income for such
period plus (a) the following to the extent deducted in calculating such
Consolidated Net Income: (i) Consolidated Interest Charges for such period, (ii) income tax
expense or benefit (net of income tax credits) as reported on the consolidated statement of
operations of the Company and its Subsidiaries for such period, (iii) depreciation and
amortization expense, (iv) other non-recurring expenses of the Company and its Subsidiaries
reducing such Consolidated Net Income which do not represent a cash item in such period or
any future period, (v) non-cash stock compensation expenses for such period which do not
represent a cash item in such period or any future period and (vi) consent fees (excluding
fees to waive existing defaults) paid to holders of the Company’s 8-3/8% Senior Notes due
2015, and minus (b) to the extent included in calculating such Consolidated Net
Income, non-recurring income of the Company and its Subsidiaries increasing such
Consolidated Net Income
which does not represent a cash item in such period or any future period.
Notwithstanding the forgoing, the aggregate amount of consent fees added back to
Consolidated Net Income for purposes of calculating Consolidated EBITDA pursuant to clause
(a)(vi) of the

 

 

preceding sentence, together with the aggregate amount of prepayment premiums
excluded from Consolidated Interest Charges pursuant to the parenthetical in clause (b) of
the first sentence of the definition of Consolidated Adjusted Interest Coverage Ratio, shall
not exceed 3% of the outstanding principal amount of the Company’s 8-3/8% Senior Notes due
2015.

     “Subsidiary” of a Person means a corporation, partnership, joint venture,
limited liability company or other business entity of which a majority of the shares of
securities or other interests having ordinary voting power for the election of directors or
other governing body (other than securities or interests having such power only by reason of
the happening of a contingency) are at the time beneficially owned, or the management of
which is otherwise controlled, directly, or indirectly through one or more intermediaries,
or both, by such Person. Unless otherwise specified, all references herein to a
“Subsidiary” or to “Subsidiaries” shall refer to a Subsidiary or Subsidiaries of the
Company. For purposes of the Loan Documents, the term “Subsidiary” shall not include any
“SPE”, any “Managed Person” or any “Joint Venture”.

     (b) A new definition of “Managed Person” is hereby added to Section 1.01(e) of the Credit
Agreement in the appropriate alphabetical order to read as follows:

     “Managed Person” means any entity for which a Loan Party provides management or
other services but with respect to which neither the Company nor any Subsidiary has any
ownership interest.

(c) Section 7.02(e) of the Credit Agreement is hereby amended to read as follows:

     (e) other Investments not exceeding $5,000,000 in the aggregate in any fiscal year of the
Company;

(d) Section 7.02(h) of the Credit Agreement is hereby amended to read as follows:

(h) Investments in connection with the formation and initial capitalization of a Joint
Venture in the Company’s repair and refurbishment business segment, which non-cash
Investments shall consist of the contribution to such Joint Venture of property, plant and
equipment assets of the business conducted at Lewistown, Pennsylvania having an aggregate
book value of up to $3,500,000, together with any associated accounts receivable, inventory
and accounts payable;

     (e) Section 7.05(e) of the Credit Agreement is hereby amended to read as follows:

     (e) (i) Dispositions permitted by Section 7.04 and, (ii) to the extent
constituting a Disposition for value, and without regard to whether such Disposition is made
for cash, equity or other property and without regard to the proviso in the last sentence of
this Section 7.05 with respect to fair market value, Dispositions of property, plant
and equipment assets of the business conducted at Lewistown, Pennsylvania having an
aggregate book value of up to $3,500,000, together with any associated accounts receivable,
inventory and accounts payable, that are made in connection with the formation and initial
capitalization of the Joint Venture described in Section 7.02(h);

     (f) The following sentence is added to the end of Section 7.11 of the Credit Agreement to read
as follows:

For purposes of the financial ratio calculations in this Section 7.11, no earnings
or losses of any Managed Person shall be included.

 

 

This letter agreement is a Loan Document. All references in the Credit Agreement and the other
Loan Documents to the “Credit Agreement” shall be deemed to refer to the Credit Agreement as
amended hereby.

Except as modified hereby, all of the terms and provisions of the Credit Agreement and the other
Loan Documents shall remain in full force and effect.

This letter agreement shall become effective upon (i) the execution hereof by the Loan Parties, the
Required Lenders and the Administrative Agent and (ii) the Administrative Agent’s receipt of an
amendment fee on behalf of each Lender executing this letter agreement in an amount equal to 0.05%
of such Lender’s Commitment.

This letter agreement may be executed in one or more counterparts, each of which shall be deemed an
original, but all of which together shall constitute one and the same instrument. Delivery of
executed counterparts of this Agreement by telecopy or pdf shall be effective as an original.

[The remainder of this page is intentionally left blank.]

 

 

This letter agreement shall be governed by and construed in accordance with the laws of the State
of Oregon.

	 	 	 	 	 
	 	Sincerely,

BANK OF AMERICA, N.A., as U.S. Administrative Agent

 	 
	 	By   	/s/ Tiffany Shin
 	 
	 	Name:  	Tiffany Shin 	 
	 	Title:  	Assistant Vice President 	 
	 

THE GREENBRIER COMPANIES, INC.

FIFTH AMENDMENT

 

 

ACCEPTED AND AGREED AS OF THE DATE FIRST ABOVE WRITTEN:

	 	 	 	 	 	 	 

	BORROWER:	 	THE GREENBRIER COMPANIES, INC.,
	 	 	an Oregon corporation
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Executive Vice President	 	 
	 
	 	 	 	 	 	 
	SUBSIDIARY
	 	GUNDERSON LLC,
	GUARANTORS:	 	an Oregon limited liability company
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Executive Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	GREENBRIER LEASING COMPANY LLC,
	 	 	an Oregon limited liability company
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Executive Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	GREENBRIER RAILCAR, LLC,
	 	 	an Oregon limited liability company
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	AUTOSTACK COMPANY, LLC,
	 	 	an Oregon limited liability company
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	GUNDERSON RAIL SERVICES LLC,
	 	 	an Oregon limited liability company
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Vice President	 	 
	 
	 	 	 	 	 	 

THE GREENBRIER COMPANIES, INC.

FIFTH AMENDMENT

 

 

	 	 	 	 	 	 	 

	 	 	GUNDERSON MARINE LLC,
	 	 	an Oregon limited liability company
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	GREENBRIER-CONCARRIL, LLC,
	 	 	a Delaware limited liability company
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	GREENBRIER LEASING LIMITED PARTNER, LLC,
	 	 	a Delaware limited liability company
	 	 	By: Greenbrier Leasing Company LLC,
	 

	 	 	 	Sole Manager	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Executive Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	GREENBRIER MANAGEMENT SERVICES, LLC,
	 	 	a Delaware limited liability company
	 	 	By: Greenbrier Leasing Company LLC,
	 

	 	 	 	Sole Manager	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Executive Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	BRANDON RAILROAD LLC,
	 	 	an Oregon limited liability company
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	MERIDIAN RAIL HOLDINGS CORP.,
	 	 	an Oregon corporation
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Vice President	 	 
	 
	 	 	 	 	 	 

THE GREENBRIER COMPANIES, INC.

FIFTH AMENDMENT

 

 

	 	 	 	 	 	 	 

	 	 	MERIDIAN RAIL ACQUISITION CORP.,
	 	 	an Oregon corporation
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	MERIDIAN RAIL MEXICO CITY CORP.,
	 	 	an Oregon corporation
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	GUNDERSON SPECIALTY PRODUCTS, LLC,
	 	 	a Delaware limited liability company
	 	 	By: Gunderson LLC, Sole Member
	 
	 	 	 	 	 	 
	 

	 	By:

Name
	 	/s/ Mark J. Rittenbaum
 

Mark J. Rittenbaum
	 	 
	 

	 	Title:
	 	Executive Vice President	 	 

THE GREENBRIER COMPANIES, INC.

FIFTH AMENDMENT

 

 

ACCEPTED AND AGREED AS OF THE DATE FIRST ABOVE WRITTEN:

	 	 	 	 	 	 	 	 	 

	LENDERS:	 	BANK OF AMERICA, N.A.,	 	 
	 	 	as a U.S. Lender and as U.S. L/C Issuer and U.S. Swing	 	 
	 	 	Line Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By	 	/s/ Chris Swindell	 	 
	 	 	 	 	 	 	 
	 	 	Name:	 	Chris Swindell	 	 
	 	 	Title:	 	SVP	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	UNION BANK OF CALIFORNIA, N.A.,	 	 
	 	 	U.S. Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By	 	/s/ Stephen A. Sloan	 	 
	 	 	 	 	 	 	 
	 	 	Name:	 	Stephen A. Sloan	 	 
	 	 	Title:	 	Vice President	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	U.S. BANK NATIONAL ASSOCIATION,	 	 
	 	 	U.S. Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By	 	/s/ Richard J. Ameny Jr.	 	 
	 	 	 	 	 	 	 
	 	 	Name:	 	Richard J. Ameny, Jr.	 	 
	 	 	Title:	 	Vice President	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	KEYBANK NATIONAL ASSOCIATION,	 	 
	 	 	U.S. Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	By	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 

	 	Name:	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	BRANCH BANKING & TRUST COMPANY,	 	 
	 	 	U.S. Lender	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	By	 	/s/ Brian R. Jones	 	 
	 	 	 	 	 	 	 
	 	 	Name:	 	Brian R. Jones	 	 
	 	 	Title:	 	Vice President	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	CAYLON NEW YORK BRANCH,	 	 
	 	 	U.S. Lender	 	 
	 
	 

	 	By
	 	/s/ Priya Vrat
	 	/s/ Brian Bolotin
	 	
	 	 	 	 	 	 	 
	 

	 	Name:
	 	Priya Vrat
	 	Brian Bolotin
	 	
	 

	 	Title:
	 	Director
	 	Managing Director
	 	

THE GREENBRIER COMPANIES, INC.

FIFTH AMENDMENT

 

 

	 	 	 	 	 	 	 

	 	 	CRÉDIT INDUSTRIEL et COMMERCIAL, NEW YORK BRANCH,
	 	 	U.S. Lender
	 
	 	 	 	 	 	 
	 

	 	By
	 	 
 	 	 
	 

	 	Name:
	 	 
 	 	 
	 

	 	Title:
	 	 
 	 	 
	 

	 	 	 	 
 	 	 
	 
	 	 	 	 	 	 
	 	 	COMERICA BANK,
	 	 	U.S. Lender
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Mark Skrzynski
 
 Mark
Skrzynski	 	 
	 

	 	Title:
	 	Assistant Vice President	 	 
	 
	 	 	 	 	 	 
	 	 	SOVEREIGN BANK,
	 	 	U.S. Lender
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	Name:
	 	 
 	 	 
	 

	 	Title:
	 	 
 	 	 
	 

	 	 	 	 
 	 	 
	 
	 	 	 	 	 	 
	 	 	DVB BANK SE (formerly known as DVB Bank AG),
	 	 	U.S. Lender
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Volker Eberhart
 
 Volker
Eberhart	 	 
	 

	 	Title:
	 	 VP	 	 
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Thomas Meckel
 
 Thomas
Meckel	 	 
	 

	 	Title:
	 	 VP	 	 
	 
	 	 	 	 	 	 
	 	 	BANK OF THE WEST,
	 	 	U.S. Lender
	 
	 	 	 	 	 	 
	 

	 	By:

Name:
	 	/s/ Brett German
 
 Brett
German	 	 
	 

	 	Title:
	 	 Vice President	 	 

THE GREENBRIER COMPANIES, INC.

FIFTH AMENDMENT

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