Document:

exhibit10f.htm

THIRD AMENDMENT TO

INTELLECTUAL PROPERTY SECURITY AGREEMENT

This Third Amendment to Intellectual Property Security Agreement (the “Amendment”) is made as of the __ day of June, 2010 by and among certain parties listed on Schedule 1 attached hereto (collectively, the “GreenShift Parties” ), and YA Global Investments, L.P. (the “Secured Party”), a Cayman Island limited partnership with an office at 101 Hudson Street, Suite 3700, Jersey City, New Jersey 07302, in consideration of the mutual covenants herein contained and benefits to be derived herefrom.

W I T N E S S E T H:

WHEREAS, the GreenShift Parties executed and delivered a Intellectual Property Security Agreement dated as of January 11, 2008, as amended by that certain First Amendment to Intellectual Property Security Agreement dated as of June 30, 2009, and as further amended by that certain Second Amendment to Intellectual property Security Agreement dated as of November 2, 2009 (as amended and in effect, the “IP Agreement”) in favor of the Secured Party, pursuant to which the GreenShift Parties pledged, assigned and granted a security interest in favor of the Secured Party in the IP Collateral (as defined therein); and

WHEREAS, the GreenShift Parties have acquired additional IP Collateral and desire to hereby confirm the pledge of, and the grant of a security interest in, such additional IP Collateral in favor of the Secured Party.

NOW, THEREFORE, it is hereby agreed as follows:

	
1.  

	
Definitions.  All capitalized terms herein and not otherwise defined shall have the same meaning herein as in the IP Agreement.

 

	
2.  

	
Amendment to IP Agreement.  Exhibit B to the IP Agreement is hereby amended by adding thereto, the IP Collateral set forth on Exhibit “A” annexed hereto and incorporated herein by reference.  The IP Collateral set forth in Exhibit “A” is in addition and supplemental to the IP Collateral listed on Exhibit B of the IP Agreement, and does not replace or restate any IP Collateral contained therein.

 

	
3.  

	
Miscellaneous:

	
a.  

	
Except as provided herein, all terms and conditions of the IP Agreement remain in full force and effect.  Each of the GreenShift Parties hereby ratifies, confirms and reaffirms the grant of a security interest and all of the representations, warranties and covenants therein contained.

 

	
b.  

	
This Amendment covers the entire understanding of the parties with respect to the matters set forth herein and supersedes all prior discussions and negotiations hereon.

 

	
c.  

	
As required by the IP Agreement, the GreenShift Parties shall reimburse the Secured Party for the reasonable legal fees and expenses incurred in connection with the preparation and filing of this Amendment.

1193809.1

  

  

  

  

IN WITNESS WHEREOF, the parties have hereto have caused this Amendment  to be executed and their seals to be hereto affixed as of the date first above written.

 

The “GREENSHIFT PARTIES”

VIRIDIS CAPITAL LLC

 

By_______________________________

Name:         Kevin Kreisler

Title:           Managing Member

CARBONICS CAPITAL CORPORATION (f/k/a GreenShift Corporation)

 

By_______________________________

Name:          Kevin Kreisler

Title:           Chairman

GREENSHIFT CORPORATION (f/k/a GS CleanTech Corporation)

 

By_______________________________

Name:         Kevin Kreisler

Title:           Chairman

         

                         GS CLEANTECH CORPORATION (f/k/a GS Ethanol Technologies, Inc.)

 

By_______________________________

Name:         Kevin Kreisler

Title:           Chairman

                  

                         GS COES (YORKVILLE I), LLC

 

By_______________________________

Name:         Kevin Kreisler

Title:           Managing Member

[SIGNATURE PAGE TO THIRD AMENDMENT TO INTELLECTUAL PROPERTY SECURITY AGREEMENT]

SIGNATURES CONTINUED ON FOLLOWING PAGE

  

  

  

  

GS CARBON DIOXIDE TECHNOLOGIES, INC.

 

By_______________________________

Name:         Kevin Kreisler

Title:           Chairman

               

                         GS GLOBAL BIODIESEL, LLC

 

By_______________________________

Name:         Kevin Kreisler

Title:           Managing Member

GS AGRIFUELS CORPORATION

 

By_______________________________

Name:         Kevin Kreisler

Title:           Chairman

NEXTGEN ACQUISITION, INC.

 

By_______________________________

Name:         Kevin Kreisler

Title:           Chairman

NEXTGEN FUEL INC.

 

By_______________________________

Name:         Kevin Kreisler

Title:           Chairman

SUSTAINABLE SYSTEMS, INC.

 

By_______________________________

Name:         Kevin Kreisler

Title:           Chairman

[SIGNATURE PAGE TO THIRD AMENDMENT TO INTELLECTUAL PROPERTY SECURITY AGREEMENT]

SIGNATURES CONTINUED ON FOLLOWING PAGE

  

  

  

  

SUSTAINABLE SYSTEMS LLC

 

By_______________________________

Name:         Kevin Kreisler

Title:           Managing Member

GS DESIGN, INC. (f/k/a Warnecke Design Service, Inc.)

 

By_______________________________

Name:         Kevin Kreisler

Title:           Chairman

GS RENTALS LLC (f/k/a Warnecke Rentals, LLC)

 

By_______________________________

Name:         Kevin Kreisler

Title:           Managing Member

ECOSYSTEM TECHNOLOGIES, LLC

 

By_______________________________

Name:         Kevin Kreisler

Title:           Managing Member

       GS BIG MANAGEMENT, LLC

 

By_______________________________

Name:         Kevin Kreisler

Title:           Managing Member

[SIGNATURE PAGE TO THIRD AMENDMENT TO INTELLECTUAL PROPERTY SECURITY AGREEMENT]

SIGNATURES CONTINUED ON FOLLOWING PAGE

  

  

  

  

GS COES (ADRIAN I), LLC

 

By_______________________________

Name:         Kevin Kreisler

Title:           Managing Member

GS TECHNOLOGY, LLC

 

By_______________________________

Name:         Kevin Kreisler

Title:           Managing Member

 

 

“SECURED PARTY”

YA GLOBAL INVESTMENTS, L.P.

By: Yorkville Advisors, LLC,

 

its Investment Manager

 

By_______________________________

Name:                      Troy Rillo

Title:           Senior Managing DirectorEX-10.1

Third Amendment to 

Credit Agreement

This Third Amendment to Credit Agreement (this “Amendment”) is dated as of June 18, 2010 by
and among Alliance Data Systems Corporation (the “Borrower”), the Guarantors party hereto, the
Banks party hereto, and Bank of Montreal, as Administrative Agent and Letter of Credit Issuer.

w i t n e s s e t h:

Whereas, the Borrower, the Guarantors, the Banks, and the Administrative Agent have
heretofore executed and delivered a Credit Agreement dated as of September 29, 2006 (as amended,
the “Credit Agreement”; terms defined therein being used herein as so defined unless otherwise
defined herein); and

Whereas, the Borrower, the Guarantors, the Banks and the Administrative Agent desire
to amend certain of the covenants as set forth herein;

Now, Therefore, for good and valuable consideration the receipt of which is hereby
acknowledged, the Borrower, the Guarantor, the Banks and the Administrative Agent hereby agree as
follows:

Article I

Amendments

1.1. Section 1.1 of the Credit Agreement is hereby amended by (a) deleting the defined terms
“Deferred Revenue Account”, “Restricted Cash” and “Restricted Cash Account”, (b) amending in their
entirety the defined terms “Base Rate,” “Consolidated Operating EBITDA,” “Convertible Debt,”
“Insured Subsidiary,” “Loyalty Management,” “Qualifying Deposits,” and “Restricted Payment” to read
as set forth below and (c) inserting the new defined term “Asset Backed Securities Debt” in proper
alphabetical order as follows:

“Asset Backed Securities Debt” means any bond or note that is based
on one or more pools of credit card receivables, or collateralized
by the cash flows from one or more pools of credit card receivables.

“Base Rate” means, for any day, a rate per annum equal to the
highest of (i) the Prime Rate for such day, (ii) the sum of 1/2 of
1% plus the Federal Funds Rate for such day and (iii) the LIBOR
Quoted Rate for such day plus 1.00%. As used herein, the term
“LIBOR Quoted Rate” means, for any day, the rate per annum (rounded
upwards, if necessary, to the next higher 1/100th of 1%) for
deposits in Dollars for a one-month interest period which appears
on the LIBOR01 Page as of 11:00 a.m. (London, England time) on such
day (or, if such day is not a Business Day, on the immediately
preceding Business Day).

“Consolidated Operating EBITDA” means, for any period, the sum of
Consolidated EBIT for such period, plus, to the extent deducted in
determining Consolidated Net Income, (a) depreciation and
amortization expense, including amortization of goodwill and other
intangible assets and (b) interest expense paid on Qualifying
Deposits and Qualified Securitization Transactions for such period.
If, during the period for which Consolidated Operating EBITDA is
being calculated, the Borrower or any Subsidiary has (i) acquired
sufficient Capital Stock of a Person to cause such Person to become
a Subsidiary; (ii) acquired all or substantially all of the assets
or operations, division or line of business of a Person;
(iii) disposed of sufficient Capital Stock of a Subsidiary to cause
such Subsidiary to cease to be a Subsidiary; or (iv) disposed of all
or substantially all of the assets or operations of a Subsidiary,
Consolidated Operating EBITDA shall be calculated after giving
pro forma effect thereto as if such acquisition or disposition had
occurred on the first day of such period.

“Convertible Debt” means Debt issued by the Borrower which by its
terms may be converted into or exchanged for equity securities of
the Borrower at the option of the Borrower or the holder of such
Debt, including without limitation, Debt with respect to which the
performance due by the Borrower may be measured in whole or in part
by reference to the value of an equity security of the Borrower but
may be satisfied in whole or in part in cash.

“Loyalty Management” means LoyaltyOne, Inc., an Ontario corporation.

“Insured Subsidiary” means a Subsidiary of the Borrower which is an
“insured depository institution” under and as defined in the U.S.
Federal Deposit Insurance Act (12 U.S.C. 1813(c)(2)) or any
successor statute or which has an analogous status under the laws of
Canada or any political subdivision thereof.

“Qualifying Deposits” means deposits that are (i) insured by the
U.S. Federal Deposit Insurance Corporation (or, in the case of an
Insured Subsidiary organized under the laws of Canada or any
political subdivision thereof, the Canada Deposit Insurance
Corporation) or any successor entity and (ii) do not exceed the
difference between (A) the amount of credit card receivables net of
the allowance for doubtful accounts minus (B) the amount of Asset
Backed Securities Debt, in each case as shown on the consolidated
balance sheet of the Borrower and its Subsidiaries.

“Restricted Payment” means (i) any dividend or other distribution on
any shares of a Person’s (including any Credit Party’s) capital
stock (except dividends or distributions payable solely in shares of
its capital stock and except dividends and distributions payable to
the Borrower or any of its Subsidiaries) or (ii) any payment on
account of the purchase, redemption, retirement or acquisition of
(a) any shares of a Person’s (including any Credit Party’s) capital
stock or (b) any option, warrant or other right to acquire shares of
a Person’s capital stock (but not including (1) payments of
principal, premium (if any) or interest made pursuant to the terms
of Convertible Debt prior to or in connection with conversion,
(2) payments made to the Borrower or any of its Subsidiaries, and
(3) payments made solely in shares of (or solely out of the net
proceeds of a substantially concurrent issuance of) such Person’s
(including any Credit Party’s) capital stock or options, warrants or
other rights to acquire shares of such Persons’ (including any
Credit Party’s) capital stock).

1.2 Section 1.2 of the Credit Agreement is hereby amended by inserting in clause (i)(y)
thereof immediately following the word “entities” the phrase “or assets”.

1.3 Section 4.9 of the Credit Agreement is hereby amended in its entirety and as so amended
shall read as follows:

Section 4.9. Subsidiaries. Each of the Borrower’s
Subsidiaries, if any, is duly organized, validly existing and, where
applicable, in good standing under the laws of its jurisdiction of
organization, and has all corporate or other organizational powers
and all material governmental licenses, authorizations, consents and
approvals required to carry on its business as now conducted except
where the failure to do so could not reasonably be expected to
result in a Material Adverse Effect.

1.4 Section 5.7 of the Credit Agreement is hereby amended by: (i) deleting the word
“corporation” appearing in clause (a)(ii) thereof and inserting in its place the word “entity”,
(ii) deleting the word “and” appearing at the end of clause (d) thereof and inserting in its place
“,” and (iii) inserting new clause (e) immediately prior to the period at the end of clause (d)
thereof as follows: “, and (e) transfers constituting Investments permitted under
Section 5.21(a)”.

1.5 Sections 5.9(b) and (j) of the Credit Agreement are each hereby amended in their entirety
and as so amended shall read as follows:

(b) any Lien existing on any asset of any Person at the time
such Person becomes a Subsidiary and not created in contemplation of
such event, so long as such Lien does not attach to any other asset
of such Subsidiary;

(j) Liens incurred or deposits or pledges (1) made in the
ordinary course of business (i) in connection with workers’
compensation, unemployment insurance and other types of social
security, (ii) to secure the payment or performance of tenders,
statutory or regulatory obligations, bids, leases, contracts
(including contracts to provide customer care services, billing
services, transaction processing services and other services),
performance and return of money bonds and other similar obligations,
including letters of credit and bank guarantees required or
requested by the United States, any State thereof or any foreign
government or any subdivision, department, agency, organization or
instrumentality of any of the foregoing in connection with any
contract or statute (exclusive of obligations for the payment of
borrowed money), or (iii) to cover anticipated costs of future
redemptions of awards under loyalty marketing programs; or
(2) required or requested by any regulatory authority having
jurisdiction over any Insured Subsidiary in favor of any such
regulatory authority or its nominee or made to comply or maintain
compliance with Section 5.16 or any similar provision or agreement;
and

1.6 Section 5.15 of the Credit Agreement is hereby amended in its entirety and as so amended
shall read as follows:

Section 5.15. Debt Limitation. The Borrower shall not, and
shall not permit any of its Subsidiaries, whether now existing or
created in the future, to create or retain any Debt other than
(i) any Debt created or retained by the Borrower or such Subsidiary
on or before the Effective Date and extensions, renewals,
refinancings, refundings and replacements thereof, provided that,
except to the extent otherwise permitted under another clause of
this Section 5.15, the amount of such Debt is not increased at the
time of such extension, renewal, refinancing, refunding or
replacement other than by an amount equal to the sum of accrued
interest on the Debt being extended, renewed, refinanced, refunded
or replaced, any prepayment premiums thereon and all fees, costs,
expenses and original issue discount associated with such
transaction, (ii) any Debt owed to the Borrower or a Subsidiary by
the Borrower or a Subsidiary, provided that (A) all such loans shall
be made in compliance with Section 5.21(a), and (B) all such loans
from the Borrower to a Subsidiary shall be made pursuant to and
evidenced by an Intercompany Note, (iii) issuances by Insured
Subsidiaries of certificates of deposit and other items to the
extent no Default results therefrom pursuant to the other covenants
contained in this Article 5, (iv) obligations of the Borrower or its
Subsidiaries as lessee in respect of leases of property which are
capitalized in accordance with GAAP and shown on the balance sheet
of the Borrower and its Subsidiaries, (v) loans and letter
of credit reimbursement obligations outstanding from time to time
under this Agreement, (vi) Debt incurred by the Borrower and its
Subsidiaries in the nature of a purchase price adjustment in
connection with a permitted Restricted Acquisition, (vii) Debt of
any Person that is acquired by the Borrower or any Subsidiary and
becomes a Subsidiary or is merged with or into the Borrower or any
Subsidiary after the Effective Date and Debt secured by an asset
acquired by the Borrower or any Subsidiary after the Effective Date,
and, in each case, refinancings, renewals, extensions, refundings
and replacements thereof, if (A) such original Debt was in existence
on the date such Person became a Subsidiary or merged with or into
the Borrower or any Subsidiary or on the date that such asset was
acquired, as the case may be, (B) such original Debt was not created
in contemplation of such Person becoming a Subsidiary or merging
with or into the Borrower or any Subsidiary or such asset being
acquired, as the case may be, and (C) immediately after giving
effect to the acquisition of such Person or asset by the Borrower or
any Subsidiary, as the case may be, no Default or Event of Default
shall have occurred and be continuing, including, without
limitation, under Section 5.21(b) of this Agreement, and (viii) Debt
of the Borrower and its Subsidiaries in an amount such that, after
giving pro forma effect thereto and to the use of proceeds thereof
as contemplated by Section 5.21(b)(i), the Borrower shall be in
compliance with the covenants set forth in Sections 5.11, 5.12 and
5.13 of this Agreement.

1.7 Sections 5.21(a)(i), (v), (viii), and (x) of the Credit Agreement are each hereby amended
in their entirety and as so amended shall read as follows:

(i) Investments by the Borrower or its Subsidiaries in the
Borrower and the Guarantors;

(v) Investments by Insured Subsidiaries as are necessary to
comply with the provisions of The Community Reinvestment Act and
other laws, rules and regulations relating to Insured Subsidiaries
or any request or directive from any regulatory authority having
jurisdiction over such Insured Subsidiary;

(viii) Investments in Insured Subsidiaries to the extent
necessary in order to maintain compliance with Section 5.16 and
other laws, rules and regulations relating to Insured Subsidiaries
or any request or directive from any regulatory authority having
jurisdiction over such Insured Subsidiary;

(x) any Investment not otherwise permitted by the foregoing
clauses of this Section if, immediately after such Investment is
made or acquired, the aggregate net book value of all Investments
permitted by this clause (x) (measured at the time each such
Investment is made) does not exceed $75,000,000, and subsequent
Investments by the recipients of such Investments (such $75,000,000
to be determined without duplication of amounts subsequently
invested by the recipients thereof).

1.8 Section 5.21(a)(ii) and Section 5.21(a)(iii) of the Credit Agreement are each hereby
amended by deleting the words “on the Effective Date”.

1.9 Section 6.1(g) of the Credit Agreement is hereby amended by: (a) inserting immediately
following the phrase “federally insured depositary institution” appearing therein the phrase “(or
the Canadian equivalent thereof)” and (b) deleting the phrase “federal or state” appearing therein
and inserting in its place the phrase “federal, state or other”.

1.10 Section 9.1 of the Credit Agreement is hereby amended by inserting new subsection (c) at
the end thereof as follows:

(c) Limitation on Recovery. Notwithstanding any other
provision hereof, the right of recovery against each Guarantor under
this Article 9 shall not exceed $1.00 less than the lowest amount
which would render such Guarantor’s obligations under this Article 9
void or voidable under applicable law, including, without
limitation, fraudulent conveyance law.

1.11 Schedule 5.21 to the Credit Agreement is hereby amended as set forth in Attachment A to
this Amendment.

Article II

Consent

2.1 The Financial Accounting Standards Board issued guidance codified in Accounting Standards
Codification (“ASC”) 860, “Transfers and Servicing,” related to accounting for transfers of
financial assets and ASC 810, “Consolidation,” related to the consolidation of variable interest
entities, with ASC 860 removing the concept of a qualifying special purpose entity (“QSPE”) and
eliminating the consolidation exception currently available for QSPEs effective January 1, 2010
(the “New Standards”). The assessment of the various securitization trusts utilized by WFNNB and
World Financial Capital Bank (“WFCB”) under ASC 860 and ASC 810 resulted in the consolidation of
those securitization trusts on the balance sheet of WFNNB, WFCB or their affiliates, including the
Borrower, beginning January 1, 2010.  The parties hereto hereby agree that the Borrower shall
calculate compliance with the covenants contained in Article 5 of the Credit Agreement applying
(i) the New Standards only for each fiscal quarter of the Borrower that ends on and after
January 1, 2010 and (ii) the relevant accounting standards in effect immediately prior to the
effectiveness of the New Standards for each fiscal quarter of the Borrower that ends prior to
January 1, 2010.

Article III

Conditions Precedent

3.1 Articles I and II of this Amendment shall become effective as of the opening of business
on June 18, 2010 (the “Effective Time”) subject to the conditions precedent that on or before such
date:

(a) the Administrative Agent shall have received counterparts
hereof executed by the Borrower, the Guarantors and the Required
Banks;

(b) the Administrative Agent shall have received certified
copies of resolutions of the boards of directors of the Borrower and
the Guarantors authorizing the execution and delivery of this
Amendment, indicating the authorized signers of this Amendment and
the specimen signatures of such signers; and

(c) the Borrower shall have paid the fees and expenses of
counsel to the Administrative Agent to the extent previously
invoiced.

Article IV

Miscellaneous

4.1. To induce the Administrative Agent and the Banks to enter into this Amendment, the
Borrower represents and warrants to the Administrative Agent and the Banks that: (a) the
representations and warranties contained in the Credit Agreement are true and correct in all
material respects as of the date hereof with the same effect as though made on the date hereof (it
being understood and agreed that any representation or warranty which by its terms is made as of a
specified date shall be required to be true and correct in all material respects only as of such
specified date); (b) no Default or Event of Default exists; (c) this Amendment has been duly
authorized by all necessary corporate proceedings and duly executed and delivered by the Borrower
and each other Credit Party and the Credit Agreement, as amended by this Amendment, is the legal,
valid and binding obligation of the Borrower and each other Credit Party, enforceable against the
Borrower and each other Credit Party in accordance with its terms; and (d) no consent, approval,
authorization, order, registration or qualification with any governmental authority is required
for, and the absence of which would adversely affect, the legal and valid execution and delivery or
performance by the Borrower or any other Credit Party of this Amendment or the performance by the
Borrower or any other Credit Party of the Credit Agreement, as amended by this Amendment.

4.2. This Amendment may be executed in any number of counterparts and by the different parties
on separate counterparts and each such counterpart shall be deemed to be an original, but all such
counterparts shall together constitute but one and the same Amendment.

4.3. Except as specifically provided above, the Credit Agreement shall remain in full force
and effect and is hereby ratified and confirmed in all respects. The execution, delivery, and
effectiveness of this Amendment shall not, except as expressly provided herein, operate as a waiver
of any right, power, or remedy of the Administrative Agent or any Bank under the Credit Agreement
or any Note, nor constitute a waiver or modification of any provision of any of the Credit
Agreement or any Note.

4.4. This Amendment and the rights and obligations of the parties hereunder shall be construed
in accordance with and be governed by the law of the State of New York.

[Signature Pages to follow]

In Witness Whereof, the parties hereto have caused this Amendment to be
executed by their respective officers thereunto duly authorized as of the day and year first above
written.

Alliance Data Systems Corporation, as Borrower

By /s/ Charles L. Horn

Name Charles L. Horn

Title EVP and Chief Financial Officer

ADS Alliance Data Systems, Inc., as a Guarantor

By /s/ Charles L. Horn

Name Charles L. Horn

Title EVP and Chief Financial Officer

Epsilon Marketing Services, LLC, as a Guarantor

By /s/ Charles L. Horn

Name Charles L. Horn

Title Vice President

Epsilon Data Management, LLC, as a Guarantor

By /s/ Charles L. Horn

Name Charles L. Horn

Title Vice President

Alliance Data Foreign Holdings, Inc., as a Guarantor

By /s/ Charles L. Horn

Name Charles L. Horn

Title Vice President

ADS Foreign Holdings, Inc., as a Guarantor

By /s/ Charles L. Horn

Name Charles L. Horn

Title Vice President

Bank of Montreal, as Administrative Agent, Letter of Credit Issuer and Swing Lender

By /s/ Pauline Christopher

Name Pauline Christopher

Title Vice President

BMO Capital Markets Financing, Inc.

By /s/ Pauline Christopher

Name Pauline Christopher

Title Vice President

SunTrust Bank

By /s/ Timothy M. O’Leary

Name Timothy M. O’Leary

Title Managing Director

Bank of America, N.A.

By /s/ Steven A. Mackenzie

Name Steven A. Mackenzie

Title Senior Vice President

Barclays Bank PLC

By /s/ Ritam Bhalla

Name Ritam Bhalla

Title Vice President

JPMorgan Chase Bank, N.A.

By

Name

Title

Union Bank of California, N.A.

By

Name

Title

The Bank of New York Mellon

By /s/ Paul F. Noel

Name Paul F. Noel

Title Managing Director

Credit Suisse AG, Cayman Islands Branch

By /s/ Shaheen Malik

Name Shaheen Malik

Title Vice President

By /s/ Kevin Buddhdew

Name Kevin Buddhdew

Title Associate

Fifth Third Bank (Central Ohio)

By /s/ Michael J. Schaltz

Name Michael J. Schaltz, Jr.

Title Vice President

The Huntington National Bank

By /s/ Jeff D. Blendick

Name Jeff D. Blendick

Title Vice President

The Royal Bank of Scotland PLC

By: RBS Securities, Inc., as Agent for The Royal Bank of Scotland

By /s/ Diane Ferguson

Name Diane Ferguson

Title Managing Director

US Bank National Association

By /s/ John Prigge

Name John Prigge

Title Vice President

Wachovia Bank, National Association

By /s/ Reginald M. Goldsmith, III

Name Reginald M. Goldsmith, III

Title Director

Bank Hapoalim B.M.

By

Name

Title

By

Name

Title

Royal Bank of Canada

By /s/ Scott Umbs

Name Scott Umbs

Title Authorized Signatory

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