Document:

Exhibit
10.1a

 

FIRST
AMENDMENT

 

FIRST AMENDMENT, dated as
of October 28, 2005 (this “First Amendment”), to the Credit
Agreement, dated as of February 11, 2005 (the “Credit Agreement”),
among PQ Corporation, a Delaware corporation (the “Borrower”), Niagara
Holdings, Inc., a Delaware corporation (“Holdings”), the Lenders
party hereto from time to time, UBS AG, Stamford Branch, as administrative
agent (in such capacity, the “Administrative Agent”), JPMorgan Chase
Bank, N.A., as syndication agent, Credit Suisse First Boston, acting through
its Cayman Islands branch and General Electric Capital Corporation, as
co-documentation agents, and J.P. Morgan Securities Inc. and UBS Securities
LLC, as joint lead arrangers and joint book runners.

 

W I  T  N  E  S
S  E  T  H:

 

WHEREAS, Holdings and the
Borrower have requested the amendments to the Credit Agreement described
herein, and the parties hereto are willing to agree to such amendments upon the
terms and subject to the conditions set forth herein;

 

NOW,
THEREFORE, in consideration of the premises and mutual covenants contained
herein, the parties hereto hereby agree as follows:

 

SECTION 1.          
Defined Terms.  Unless otherwise defined herein,
terms defined in the Credit Agreement and used herein shall have the meanings
given to them in the Credit Agreement.

 

SECTION 2.          
Amendments to
Section 1.1 (Definitions)

 

(a)  The following
definitions shall be added to Section 1.01 of the Credit Agreement in
alphabetical order:

 

“First Amendment” shall mean the First
Amendment to this Agreement, dated as of October 28, 2005.

 

“First Amendment Effective Date” shall mean the
date on which the conditions precedent set forth in Section 5 of the First
Amendment shall have been satisfied, which date is November 17, 2005.

 

“Holdings Notes” shall mean the notes in the
initial aggregate principal amount of $25 million issued by Holdings to certain
investors.

 

(b)          
The definitions of
“Applicable Margin” of “Interest Expense” in Section 1.1 of the Credit
Agreement are hereby replaced with the following:

 

“Applicable Margin”:
(i) with respect to any Revolving Facility Loan, a per annum rate
determined pursuant to the Pricing Grid, and (ii) with respect to any Term
Loan, the applicable rate per annum set forth below:  

 

	
  Level

  	
   

  	
  Index
  Debt Rating

  	
   

  	
  Eurocurrency
  Loans

  	
   

  	
  Base
  Rate Loans

  
	
  I

  	
   

  	
  > B+/B1

  	
   

  	
  2.00%

  	
   

  	
  1.25%

  
	
  II

  	
   

  	
  < B+/B1

  	
   

  	
  2.25%

  	
   

  	
  1.50%

  

 

 

For purposes of the foregoing table, (i) if the
ratings established or deemed to have been established by Moody’s and S&P for
the Index Debt shall fall within different Levels, the Applicable Rate shall be
based on the lower of the two ratings (i.e., the higher Level number); and
(ii) if the ratings established or deemed to have been established by
Moody’s and S&P for the Index Debt shall be changed (other than as a result
of a change in the rating system of Moody’s or S&P), such change shall be
effective on the date that is three Business Days after the date on which the
Administrative Agent has received notice of such change.  The Borrower
hereby agrees to give the Administrative Agent notice of any such change within
three Business Days after the effectiveness thereof.  Each change in the
Applicable Rate shall apply during the period commencing on the effective date
of such change and ending on the date immediately preceding the effective date
of the next such change.  If the rating system of Moody’s or S&P shall
change, or if either such rating agency shall cease to be in the business of
rating corporate debt obligations, the Borrower and the Lenders under the Term
Facility shall negotiate in good faith to amend this definition to reflect such
changed rating system or the unavailability of ratings from such rating agency
and, pending the effectiveness of any such amendment, the Applicable Rate shall
be determined by reference to the rating most recently in effect prior to such
change or cessation.  “Index Debt” shall mean the senior, secured,
long-term indebtedness for borrowed money of the Borrower.

 

“Interest Expense” shall mean, with respect to
any person for any period, the sum of (a) gross interest expense of such
person for such period on a consolidated basis, including (i) the
amortization of debt discounts, (ii) the amortization of all fees
(including fees with respect to Swap Agreements) payable in connection with the
incurrence of Indebtedness to the extent included in interest expense,
(iii) the portion of any payments or accruals with respect to Capital
Lease Obligations allocable to interest expense and (iv) in the case of
the Borrower, any dividends or distributions made to Holdings for the purpose
of paying interest expense on Indebtedness of Holdings, (b) capitalized
interest of such person and (c) commissions, discounts, yield and other
fees and charges incurred in connection with any Permitted Receivables
Financing which are payable to any person other than the Borrower or a
Subsidiary Loan Party. For purposes of the foregoing, gross interest expense
shall be determined after giving effect to any net payments made or received
and costs incurred by the Borrower and the Subsidiaries with respect to Swap
Agreements.

 

SECTION 3.          
Amendments to
Section 2.11 (Prepayment of Loans).  Section 2.11(a) of the Credit
Agreement is hereby amended as follows:

 

(a) by
adding “and except as provided below” at the end of the parenthetical; and

 

(b) by adding the
following sentence at the end thereof:

 

“All voluntary prepayments of Term Borrowings effected
on or prior to the first anniversary of the First Amendment Effective Date with
the proceeds of a substantially concurrent issuance or incurrence of new term
loans under this Agreement having terms and conditions substantially the same
as those of the Term Loans shall be accompanied by a prepayment fee equal to
1.00% of the aggregate amount of such prepayments if the Applicable Margin (or
similar interest rate spread) applicable to such new term loans is or, upon the
satisfaction of certain conditions, could be less than the Applicable Margin
applicable to the Term Loans immediately prior to such First Amendment
Effective Date (as determined by comparing the Applicable Margin in respect of
the Term Loans immediately prior to such First Amendment 

 

2

 

Effective Date to the Applicable Margin (or similar
interest spread) in respect of such new term loans, with such comparison
including, in each case, the applicable grid and related definitions).”

 

SECTION 4.          
Amendments to
Section 6.06 (Dividends and Distributions).  Section 6.06 of the Credit Agreement is
hereby amended by adding new paragraphs (f) and (g) to the end
thereof as follows:

 

“(f)  within 30 days after the First Amendment
Effective Date, the Borrower may pay dividends to Holdings in order to enable
Holdings to pay dividends to its equity holders in an aggregate amount not to
exceed the sum of $30 million from cash on hand, $25 million from proceeds of
Revolving Facility Loans and $30 million from proceeds of Incremental
Extensions of Credit; and

 

(g)  the Borrower may pay dividends in order to
enable Holdings to pay interest expense on the Holdings Notes in an aggregate
amount not to exceed $4 million per annum so long as at the time of such
dividend and after giving effect thereto, no Default or Event of Default has
occurred and is continuing (it being understood that any such payments shall be
deducted when calculating the amount available for the Borrower to make
payments pursuant to the basket set forth in paragraph (e) above).”

 

SECTION 5.          
Conditions to
Effectiveness. 
This First Amendment shall become effective as of the date set forth above (the
“First Amendment Effective Date”) upon the satisfaction of the following
conditions precedent:

 

(a)          
First
Amendment.  The Administrative Agent shall have received
(i) this First Amendment, executed and delivered by the Administrative
Agent, Holdings and the Borrower, and (ii) consent letters from Lenders
sufficient to authorize the amendments to the Credit Agreement effected by this
First Amendment.

 

(b)          
Fees.  The
Administrative Agent shall have received evidence reasonably satisfactory to it
that all fees and other amounts due and payable to the Administrative Agent or
the Lenders on or prior to the First Amendment Effective Date, including, to
the extent invoiced, reimbursement or payment of all out-of-pocket expenses
(including fees, charges and disbursements of counsel) required to be
reimbursed or paid by any Loan Party hereunder or under any other Loan
Document.

 

SECTION 6.          
Representations
and Warranties. 
The Borrower represents and warrants to the Administrative Agent and the
Lenders that as of the First Amendment Effective Date, after giving effect to
this First Amendment, no Default or Event of Default has occurred and is
continuing and the representations and warranties made by the Borrower in or
pursuant to the Credit Agreement or any other Loan Document are true and
correct in all material respects on and as of the First Amendment Effective
Date as if made on such date (except to the extent that any such
representations and warranties expressly relate to an earlier date, in which
case such representations and warranties were true and correct in all material
respects on and as of such earlier date).

 

SECTION 7.          
Continuing Effect
of the Credit Agreement. This First Amendment shall not constitute an amendment or waiver of
or consent to any provision of the Credit Agreement not expressly referred to
herein and shall not be construed as an amendment, waiver or consent to any
action on the part of the Borrower that would require an amendment, waiver or
consent of the Administrative Agent or the Lenders except as expressly stated
herein. Except as expressly amended hereby, the

 

 

3

provisions of the Credit Agreement are and shall
remain in full force and effect in accordance with its terms.  This First
Amendment shall constitute a Loan Document.

 

SECTION 8.          
Counterparts. This First Amendment may be executed by
one or more of the parties to this First Amendment on any number of separate
counterparts (including by facsimile), and all of said counterparts taken
together shall be deemed to constitute one and the same instrument.

 

SECTION 9.        
GOVERNING LAW.  THIS FIRST AMENDMENT AND THE
RIGHTS AND OBLIGATIONS OF THE PARTIES UNDER THIS FIRST AMENDMENT SHALL BE
GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE
STATE OF NEW YORK.

 

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

 

4

 

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

 

 

	
   

  	
  NIAGARA HOLDINGS, INC.

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ James P. Cox

  	
   

  
	
   

  	
   

  	
  Name: 

  	
  James P. Cox

  
	
   

  	
   

  	
  Title:  

  	
  Treasurer

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  PQ CORPORATION

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ James P. Cox

  	
   

  
	
   

  	
   

  	
  Name: 

  	
  James P. Cox

  
	
   

  	
   

  	
  Title:

  	
  Vice President and
  Chief Financial Officer

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  UBS LOAN FINANCE LLC,

  
	
   

  	
  as Administrative Agent

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Saldoz Sikka

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Saldoz Sikka

  
	
   

  	
   

  	
  Title:

  	
  Associate Director

  
	
   

  	
   

  	
   

  	
  Banking Products

  
	
   

  	
   

  	
   

  	
  Services, US

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Joselin Fernandes

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Joselin Fernandes

  
	
   

  	
   

  	
  Title:

  	
  Associate Director

  
	
   

  	
   

  	
   

  	
  Banking Products

  
	
   

  	
   

  	
   

  	
  Services, US

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

EXHIBIT A

 

LENDER CONSENT
LETTER

 

PQ CORPORATION

CREDIT AGREEMENT

 

To:          UBS AG, Stamford Branch

677 Washington Blvd.

Stamford, CT 06901

 

Ladies and Gentlemen:

 

Reference is made to the
Credit Agreement, dated as of February 11, 2005 (the “Credit Agreement”),
among PQ Corporation, a Delaware corporation (the “Borrower”), Niagara
Holdings, Inc., a Delaware corporation (“Holdings”), the Lenders
party hereto from time to time, UBS AG, Stamford Branch, as administrative
agent (in such capacity, the “Administrative Agent”), JPMorgan Chase
Bank, N.A., as syndication agent, Credit Suisse First Boston, acting through its
Cayman Islands branch and General Electric Capital Corporation, as
co-documentation agents, and J.P. Morgan Securities Inc. and UBS Securities
LLC, as joint lead arrangers and joint book runners.  Unless otherwise
defined herein, capitalized terms used herein and defined in the Credit
Agreement are used herein as therein defined.

 

Holdings and the Borrower
have requested that the Lenders consent to amend the Credit Agreement on the
terms and conditions described in the First Amendment to the Credit Agreement,
to which a form of this Lender Consent Letter is attached as Exhibit A.

 

Pursuant to
Section 9.08 of the Credit Agreement, the undersigned Lender hereby agrees
to all of the terms and conditions of such First Amendment.

 

	
   

  	
  Very truly yours,

  
	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  (NAME OF LENDER)

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
   

  
	
   

  	
   

  	
  Name:

  
	
   

  	
   

  	
  Title:

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

Dated as of October 28, 2005Exhibit 10.1b

 

SECOND AMENDMENT

 

SECOND AMENDMENT, dated as of November 17, 2005
(this “Second Amendment”), to the Credit Agreement, dated as of
February 11, 2005 (the “Credit Agreement”), among PQ Corporation, a
Delaware corporation (the “Borrower”), Niagara Holdings, Inc., a
Delaware corporation (“Holdings”), the Lenders party hereto from time to
time, UBS AG, Stamford Branch, as administrative agent (in such capacity, the “Administrative
Agent”), JPMorgan Chase Bank, N.A., as syndication agent, Credit Suisse
First Boston, acting through its Cayman Islands branch and General Electric
Capital Corporation, as co-documentation agents, and J.P. Morgan Securities
Inc. and UBS Securities LLC, as joint lead arrangers and joint book runners.

 

W I  T  N  E  S  S
E  T  H:

 

WHEREAS, Holdings and the Borrower have requested the
amendments to the Credit Agreement described herein, and the parties hereto are
willing to agree to such amendments upon the terms and subject to the
conditions set forth herein;

 

NOW, THEREFORE, in consideration of the premises and
mutual covenants contained herein, the parties hereto hereby agree as follows:

 

SECTION 1.                               
Defined Terms. Unless otherwise defined herein, terms
defined in the Credit Agreement and used herein shall have the meanings given
to them in the Credit Agreement.

 

SECTION 2.                               
Amendments to
Section 1.1 (Definitions)

 

(a)                                 
The following
definitions shall be added to Section 1.01 of the Credit Agreement in
alphabetical order:

 

“Second Amendment” shall mean the Second
Amendment to this Agreement, dated as of November 17, 2005.

 

“Second Amendment Effective Date” shall mean
the date on which the conditions precedent set forth in Section 6 of the
Second Amendment shall have been satisfied, which date is November 17,
2005.

 

(b)                                
The definition of
“Term Loans” in Section 1.1 of the Credit Agreement is hereby replaced
with the following:

 

“Term Loans”
shall mean the (a) term loans made by the Lenders to the Borrower pursuant
to Section 2.01 and (b) term loans made by the Lenders to the
Borrower pursuant to the Second Amendment in accordance with procedures
acceptable to the Administrative Agent, the Borrower and the Lenders providing
such term loans.

 

SECTION 3.                               
Amendments to
Section 2.10(a) (Repayment of Term Loans and Revolving Facility Loans). Section 2.10(a) of the Credit
Agreement is hereby replaced in its entirety with the following:

 

(a)                                  
Repayment of Term
Loans and Revolving Facility Loans. Subject to the other paragraphs of this
Section, the Borrower shall repay Term Borrowings on each date set forth below
in the aggregate principal amount set forth below opposite such date (each such
date being referred to as a “Term Loan Installment Date”):

 

	
  Date

  	
   

  	
  Amount of Term Borrowings to

  be Repaid

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
  June 30, 2005

  	
   

  	
  $

  	
  837,500

  	
   

  
	
  September 30, 2005

  	
   

  	
  $

  	
  837,500

  	
   

  
	
  December 31, 2005

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  March 31, 2006

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  June 30, 2006

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  September 30, 2006

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  December 31, 2006

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  March 31, 2007

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  June 30, 2007

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  September 30, 2007

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  December 31, 2007

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  March 31, 2008

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  June 30, 2008

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  September 30, 2008

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  December 31, 2008

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  March 31, 2009

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  June 30, 2009

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  September 30, 2009

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  December 31, 2009

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  March 31, 2010

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  June 30, 2010

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  September 30, 2010

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  December 31, 2010

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  March 31, 2011

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  June 30, 2011

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  September 30, 2011

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  December 31, 2011

  	
   

  	
  $

  	
  912,877

  	
   

  
	
  Term Facility Maturity
  Date

  	
   

  	
  $

  	
  340,503,075

  	
   

  

 

SECTION 4.                                 
Amendments to
Section 3.12 (Use of Proceeds). Section 3.12 of the Credit Agreement is hereby
replaced in its entirety with the following:

 

Except as set
forth below, the Borrower will use the proceeds of the Revolving Facility Loans
and Swingline Loans, and may request the issuance of Letters of Credit, solely
for general corporate purposes. The Borrower will use the proceeds of the Term
Loans made on February 11, 2005 and up to $ 10 million of the Revolving
Facility Loans, together with the proceeds of the Equity Financing and the
Senior Subordinated Notes to consummate the Acquisition and the other
Transactions. The Borrower will use the proceeds of the Term Loans made
pursuant to the Second Amendment and up to $25 million of the Revolving
Facility Loans, in the manner contemplated by the First Amendment.

 

SECTION 5.                                  
Amendments to
Section 5.08 (Use of Proceeds). Section 5.08 of the Credit Agreement is hereby
replaced in its entirety with the following:

 

Except as set forth below, use the proceeds of the
Revolving Facility Loans and the Swingline Loans and request issuance of
Letters of Credit solely for general corporate purposes. Use the proceeds of
the Term Loans made on February 11, 2005 and up to $10 million of the
Revolving Facility Loans to consummate the Acquisition and the other
Transactions. Use the proceeds of the Term Loans

 

 

2

 

made pursuant to the
Second Amendment and up to $25 million of the Revolving Facility Loans in the
manner contemplated by the First Amendment.

 

SECTION 6.                                 
Conditions to
Effectiveness.
This Second Amendment shall become effective as of the date set forth above
(the “Second Amendment Effective Date”) upon the satisfaction of the
following conditions precedent:

 

(a)                                    
Second Amendment. The Administrative Agent shall have
received this Second Amendment, executed and delivered by the Administrative
Agent, Holdings and the Borrower, and each Lender providing a term loan hereto.

 

(b)                                   
Fees. The Administrative Agent shall have
received evidence reasonably satisfactory to it that all fees and other amounts
due and payable to the Administrative Agent or the Lenders on or prior to the
Second Amendment Effective Date, including, to the extent invoiced,
reimbursement or payment of all out-of-pocket expenses (including fees, charges
and disbursements of counsel) required to be reimbursed or paid by any Loan
Party hereunder or under any other Loan Document.

 

SECTION 7.                                  
Representations
and Warranties.
The Borrower represents and warrants to the Administrative Agent and the
Lenders that as of the Second Amendment Effective Date, after giving effect to
this Second Amendment, no Default or Event of Default has occurred and is
continuing and the representations and warranties made by the Borrower in or
pursuant to the Credit Agreement or any other Loan Document are true and
correct in all material respects on and as of the Second Amendment Effective
Date as if made on such date (except to the extent that any such
representations and warranties expressly relate to an earlier date, in which
case such representations and warranties were true and correct in all material
respects on and as of such earlier date).

 

SECTION 8.                                  
Continuing Effect
of the Credit Agreement. This Second Amendment shall not constitute an amendment or waiver of
or consent to any provision of the Credit Agreement not expressly referred to
herein and shall not be construed as an amendment, waiver or consent to any
action on the part of the Borrower that would require an amendment, waiver or
consent of the Administrative Agent or the Lenders except as expressly stated
herein. Except as expressly amended hereby, the provisions of the Credit
Agreement are and shall remain in full force and effect in accordance with its
terms. This Second Amendment shall constitute a Loan Document.

 

SECTION 9.                                  
Counterparts. This Second Amendment may be executed
by one or more of the parties to this Second Amendment on any number of
separate counterparts (including by facsimile), and all of said counterparts
taken together shall be deemed to constitute one and the same instrument.

 

SECTION 10.                      
GOVERNING LAW. THIS SECOND AMENDMENT AND THE
RIGHTS AND OBLIGATIONS OF THE PARTIES UNDER THIS SECOND AMENDMENT SHALL BE
GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE
STATE OF NEW YORK.

 

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

 

 

3

 

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

 

 

	
   

  	
  NIAGARA HOLDINGS, INC.

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ James P. Cox

  	
   

  
	
   

  	
   

  	
  Name:

  	
  James P. Cox

  
	
   

  	
   

  	
  Title:

  	
  Treasurer

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  PQ CORPORATION

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ James P. Cox

  	
   

  
	
   

  	
   

  	
  Name:

  	
  James P. Cox

  
	
   

  	
   

  	
  Title:

  	
  VP and Chief Financial
  Officer

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  UBS LOAN FINANCE LLC,

  
	
   

  	
  as Administrative Agent

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Saldoz Sikka

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Saldoz Sikka

  
	
   

  	
   

  	
  Title:

  	
  Associate Director

  
	
   

  	
   

  	
   

  	
  Banking Products

  
	
   

  	
   

  	
   

  	
  Services, US

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Joselin Fernandes

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Joselin Fernandes

  
	
   

  	
   

  	
  Title:

  	
  Associate Director

  
	
   

  	
   

  	
   

  	
  Banking Products

  
	
   

  	
   

  	
   

  	
  Services, US

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  JPMORGAN CHASE BANK,
  N.A.,

  
	
   

  	
  as a Lender

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Peter A. Dedousis

  	
   

  
	
   

  	
   

  	
  Name:

  	
  Peter A. Dedousis

  
	
   

  	
   

  	
  Title:

  	
  Managing Director

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