Document:

Second Amended and Restated Casual Male Retail Group, Inc. Annual Incentive Plan

 Exhibit 10.1 
 SECOND AMENDED AND RESTATED 
 CASUAL MALE RETAIL GROUP, INC.

 ANNUAL INCENTIVE PLAN 
  

	 	I.	SUMMARY AND OBJECTIVES 

 Casual
Male Retail Group, Inc. (“Company”) has developed this Second Amended and Restated Annual Incentive Plan (the “Incentive Plan”) to provide opportunities for eligible associates of the Company and its subsidiaries to earn
meaningful rewards for excellent annual performance. The Incentive Plan aims to align the interests of the Incentive Plan participants with those of our shareholders. Bonus awards are cash payments based on actual results measured against
pre-established Company financial performance (“Bonus Awards”). Bonus Awards are intended to provide a reward to eligible Incentive Plan participants and supplement the base salary program. A fiscal year is referred to as a “Plan
Year”. Bonus Awards made hereunder are being made pursuant to, and shall be subject to the terms and conditions specified in, the Company’s 2006 Incentive Compensation Plan as amended and restated (the “2006 Compensation Plan”).

  

	 	II.	ELIGIBILITY 

  

	 	A.	GENERAL ELIGIBILITY REQUIREMENTS 

Each Company employee who is a staff director (as that term is used by Company) or higher, will be eligible to participate in the
Incentive Plan (a “Participant”). Unless specifically determined otherwise by the Compensation Committee, a Participant whose employment terminates prior to the end of a Plan Year or payment of the Bonus Award, other than as a result of
permanent disability, death or retirement (upon reaching Full Retirement age as defined by Social Security), will not be eligible to receive a Bonus Award under the Incentive Plan for that Plan Year. 

 

	 	B.	TRANSFERS TO OTHER BUSINESS UNITS 

A Participant who transfers out of the Incentive Plan into a position in another business unit is eligible for a partial Bonus Award based
on the number of days the associate was a Participant. The associate’s eligibility for a bonus for the new position, if any, will be determined in accordance with any applicable bonus plan for that position. In general, when an associate
transfers to a new position, any Bonus Awards are prorated based on the number of days employed in the Incentive Plan. 
  

	 	C.	CHANGES IN POSITION 

 A
Participant who changes from one management position to another, through a promotion, transfer, or demotion is eligible for a prorated Bonus Award for each position based on the number of days the Participant held each position during the Plan Year.

	 	D.	TERMINATION 

 To be eligible for
a Bonus Award, a Participant must be actively employed as of the last day of the Plan Year and at the time the Bonus Award is distributed. 
  

	 	E.	COMPLIANCE WITH APPLICABLE REGULATIONS 

 In order to be eligible to receive a Bonus Award under this Incentive Plan, a Participant must comply with all applicable state and federal regulations and Company policies. 

 

	 	F.	LEAVES OF ABSENCE 

 A Participant
who is on a Company-approved leave of absence in excess of 90 days (per Plan Year) is not eligible for a Bonus Award for the portion of his/her leave over 90 days unless otherwise approved by the Compensation Committee. 

 

	 	G.	RETIREMENT, DEATH OR DISABILITY 

If a Participant retires (upon reaching Full Retirement age as defined by Social Security) or leaves employment due to death or permanent
disability before the end of the Plan Year, he/she will receive a pro-rated Bonus Award. The pro-rated Bonus Award will be based on the number of days of active employment in the Plan Year, provided there is an earned payout for that Plan Year and
all other eligibility requirements are met. 
  

	 	III.	THE INCENTIVE PLAN 

 Within 90
days after the beginning of each Plan Year, the Compensation Committee will establish specific performance criteria for the payment of Bonus Awards for that Plan Year. At the time that the performance criteria is set, the Compensation Committee may
determine that special matters shall be considered or excluded consistent with Section 8 of the 2006 Compensation Plan. The performance criteria for Participants for each Plan Year may be based on one or more of the following measures which
include but are not limited to: EBITDA, sales, earnings per share, return on net assets, return on equity, operating margin dollars, operating margin percent, gross margin dollars, gross margin percent and/or customer service levels and/or a
combination of the above. With respect to customer service, customer service target levels may be based on scores on blind test (“mystery”) shopping, customer comment card statistics, customer relations statistics (e.g., number of customer
complaints), delivery response levels, and/or other customer service metrics. 
 For each Plan Year, the Bonus Award will be
based upon the performance criteria selected by the Compensation Committee for that Plan Year. A specified percentage of the Bonus Award will be paid, dependent upon the performance of the Company as measured against the performance criteria. The
Compensation Committee may establish a threshold goal (which if not achieved will result in no Award being payable), target and maximum goals for each Participant. The goals, performance criteria, and targets used may vary from one Participant to
another in the sole discretion of the Compensation Committee. Bonus Awards are limited to 150% of a Participant’s Target Award (as defined below). 

	 	IV.	PAYMENT CALCULATIONS 

 Each
Participant will have a target bonus award (a “Target Award”) for each Plan Year. Target Awards will be expressed as a percentage of the actual base earnings (which is the blend of salary plus any salary adjustments made during the course
of the fiscal year) paid to the Participant during that Plan Year, which earnings shall be determined without regard to any salary increases determined by the Compensation Committee after the date on which the Compensation Committee determines the
target for each Participant. Company’s new hires or those becoming eligible to participate in the Incentive Plan for a portion of the fiscal year will receive a pro-rata Bonus Award based upon the period of time they are eligible. The
percentages for the Target Award will be approved by the Compensation Committee based upon the Participant’s job level and responsibilities and may vary for different officers and/or business units. 

At the end of the Plan Year, the Compensation Committee shall determine the amount, if any, to be paid to each Participant based on the
extent that the performance criteria was achieved and shall authorize Company to pay the Participant the amount so determined. 

Any Bonus Awards checks will be distributed within 90 days following the fiscal year close, and in the case of any Bonus Awards made to
any Covered Employee, as defined in the 2006 Compensation Plan, only after the Compensation Committee has certified, in the manner described in Section 8(e) of the 2006 Compensation Plan, that the performance criteria have been satisfied.

  

	 	V.	PLAN ADMINISTRATION 

  

	 	A.	ADMINISTRATION 

 The Incentive
Plan will be administered by the Compensation Committee. The Compensation Committee will have broad authority for determining target bonuses and selecting performance criteria, as described above; for adopting rules and regulations relating to the
Incentive Plan; and for making decisions and interpretations regarding the provisions of the Incentive Plan, the satisfaction of performance criteria and the payment of bonuses under the Incentive Plan. 

 

	 	B.	EMPLOYMENT AT WILL 

 This
Incentive Plan does not create an express or implied contract of employment between Company and a Participant. Both Company and the Participants retain the right to terminate the employment relationship at any time and for any reason. 

	 	C.	BONUS PROVISIONS (AMENDMENTS AND TERMINATION) 

 Bonus Awards are not earned or vested until actual payments are made; Company reserves the right at any time prior to actual payment of Bonus Awards to amend, terminate and/or discontinue the Incentive
Plan in whole or in part whenever the Board of Directors or the Compensation Committee of the Company determines that it is necessary or appropriate. 
 The Incentive Plan may be amended or terminated by either the Board of Directors or the Compensation Committee, provided that no amendment or termination of the Incentive Plan after the end of a Plan Year
may adversely affect the rights of Participants with respect to their Bonus Awards for that Plan Year. 
  

	 	D.	RIGHTS ARE NON-ASSIGNABLE 

Neither the Participant nor any beneficiary nor any other person shall have any right to assign the right to receive payments hereunder,
in whole or in part, which payments are non-assignable and non-transferable, whether voluntarily or involuntarily. 
  

	 	E.	WITHHOLDING 

 All required
deductions will be withheld from the Bonus Awards prior to distribution. This includes federal, state or local taxes. 
  

	 	F.	EMPLOYMENT AGREEMENTS 

 If a
Participant has an employment agreement which references an annual incentive plan bonus, this Incentive Plan describes how such bonus will be determined and paid. To the extent there is any conflict between the language of an employment agreement
and this Plan, the language in the Incentive Plan and the 2006 Compensation Plan shall govern. 
  

	 	G.	SECTION 162(m) COMPLIANCE 

Unless otherwise specified by the Compensation Committee, Bonus Awards made to any person who is a Covered Employee, as defined in the
2006 Compensation Plan, are intended to qualify as “performance-based compensation” that is exempt from the deduction limitations imposed by Section 162(m) of the Internal Revenue Code. Accordingly, unless otherwise specified by the
Compensation Committee, the provisions set forth in Section 8 of the 2006 Compensation Plan shall apply with respect to those Bonus Awards and in the event of any conflict between those provisions and the provisions of this Incentive Plan, the
provisions of Section 8 shall apply.Ninth Amendment to Loan Agreement

 Exhibit 10.1 
 NINTH AMENDMENT TO LOAN AGREEMENT 
 THIS NINTH AMENDMENT TO LOAN
AGREEMENT (this “Amendment”) is made and entered into and effective as of November 17, 2010 (the “Amendment Closing Date”), by and among WELLS FARGO BANK, NATIONAL ASSOCIATION, a national banking
association (the “Bank”), FOSSIL PARTNERS, L.P. (the “Borrower”), FOSSIL, INC. (the “Company”), FOSSIL INTERMEDIATE, INC. (“Fossil Intermediate”), FOSSIL
TRUST (“Fossil Trust”), FOSSIL STORES I, INC. (“Fossil I”), ARROW MERCHANDISING, INC. (“Arrow Merchandising”), FOSSIL HOLDINGS, LLC (“Fossil Holdings”) and
FOSSIL INTERNATIONAL HOLDINGS, INC. (“Fossil International”) (the Company, Fossil Intermediate, Fossil Trust, Fossil I, Arrow Merchandising, Fossil Holdings and Fossil International are sometimes referred to herein
individually as a “Guarantor” and collectively as the “Guarantors”). 
 RECITALS

 WHEREAS, the Bank, the Borrower and certain of the Guarantors are parties to that certain Loan Agreement dated as of
September 23, 2004 (as amended, modified or supplemented from time to time, the “Agreement”); and 

WHEREAS, the Bank, the Borrower and the Guarantors desire to amend the Agreement and the other Loan Documents as herein set forth to
extend the maturity date of the loans under the Line of Credit and the Revolving Note (which evidences such loans) to December 31, 2010. 
 NOW, THEREFORE, in consideration of the premises herein contained and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties, intending to be
legally bound, agree as follows: 
 ARTICLE I. 
 Definitions 
 Section 1.01. Capitalized terms used in this Amendment
are defined in the Agreement, as amended hereby, unless otherwise stated. 
 ARTICLE II. 

Amendments 
 Section 2.01. Amendment to Section 1. Effective as of the Amendment Closing Date, Section 1 of the Agreement is hereby amended such that the reference therein to the date
“November 17, 2010” shall instead mean and refer to the date “December 31, 2010”. 
 ARTICLE III.

 Conditions Precedent 
 Section 3.01. Conditions to Effectiveness. The effectiveness of this Amendment is subject to the satisfaction of the following conditions precedent, unless specifically waived in writing by the
Bank: 
 (a) The Bank shall have received (i) this Amendment, duly executed by the Borrower and each
Guarantor, and (ii) an amended and restated Revolving Note in form and substance satisfactory to the Bank which extends the maturity date of the Revolving Note to December 31, 2010, duly executed by the Borrower; 

  
 Ninth Amendment to Loan
Agreement - Page 1 

 (b) [intentionally omitted]; 

(c) [intentionally omitted]; 
 (d) There shall have been no material adverse change in the business or financial condition of the Borrower, the Company and the Guarantors, taken as a whole; 

(e) There shall be no material adverse litigation, either pending or threatened, against the Borrower or any Guarantor
that could reasonably be expected to have a material adverse effect on the business or financial condition of the Borrower, the Company and the Guarantors, taken as a whole; 

(f) The representations and warranties contained herein and in the Agreement and the other Loan Documents, as each is
amended hereby, shall be true and correct in all material respects as of the date hereof, as if made on the date hereof, except to the extent such representations were made as of a specific date; 

(g) No default or Event of Default under the Agreement, as amended hereby, shall have occurred and be continuing, unless
such default or Event of Default has been specifically waived in writing by the Bank; and 
 (h) All requisite
corporate, partnership or trust proceedings, as appropriate, shall have been taken the Borrower and each Guarantor to authorize the execution, delivery and performance of this Amendment, and such proceedings and other legal matters incident thereto
shall be satisfactory to the Bank and its legal counsel. 
 ARTICLE IV. 

Ratifications, Representations and Warranties, Covenants 

Section 4.01. General Ratifications. The terms and provisions set forth in this Amendment shall modify and supersede all
inconsistent terms and provisions set forth in the Agreement and the other Loan Documents, and, except as expressly modified and superseded by this Amendment, the terms and provisions of the Agreement and the other Loan Documents are ratified and
confirmed and shall continue in full force and effect. The parties hereto agree that the Agreement and the other Loan Documents, as amended hereby, shall continue to be legal, valid, binding and enforceable in accordance with their respective terms.

 Section 4.02. Ratification of Guaranties. Each of the Guarantors hereby acknowledges and consents to all of the terms
and conditions of this Amendment and hereby ratifies and confirms the Guaranty Agreement to which it is a party to or for the benefit of the Bank and all of its obligations thereunder. Each of the Guarantors hereby represents and acknowledges that
it has not revoked, terminated, limited or otherwise modified its obligations under the Guaranty Agreement executed by it in any way and that it has no claims, counterclaims, offsets, credits or defenses to the Guaranty Agreement executed by it or
to the other Loan Documents to which it is a party or the performance of its obligations thereunder, all of which obligations are legal, valid and binding in accordance with their terms. Furthermore, each Guarantor agrees that nothing contained in
this Amendment shall adversely affect any right or remedy of the Bank under the Guaranty Agreement to which such Guarantor is a party. Each Guarantor hereby agrees that, with respect to the Guaranty Agreement to which it is a party, all references
in such Guaranty Agreement to the “Guaranteed Obligations” shall include, without limitation, the obligations of the Borrower to the Bank under the Agreement, as amended hereby, and all indebtedness evidenced by the Revolving Note dated as
of November 17, 2010, in the maximum original principal amount of $200,000,000 made by the Borrower payable to the order of the Bank. Finally, each of the Guarantors hereby represents and acknowledges that the execution and delivery of this
Amendment, the Revolving Note and the other Loan Documents executed in connection herewith shall in no way change or modify its obligations as a guarantor, debtor, pledgor, assignor, obligor and/or grantor under its respective Guaranty Agreement
(except as specifically provided in this Section 4.02) and shall not constitute a waiver by the Bank of any of the Bank’s rights or remedies against such Guarantor. 

  
 Ninth Amendment to Loan
Agreement - Page 2 

 Section 4.03. Ratification of Security Interests. The Company hereby agrees that the
Stock Pledge Agreement is hereby expressly amended such that the definition of “Secured Obligations” contained therein includes, without limitation, all indebtedness and other obligations of the Borrower now or hereafter existing hereunder
the Agreement, as amended hereby, and all indebtedness evidenced by the Revolving Note dated as of November 17, 2010, in the maximum original principal amount of $200,000,000 made by the Borrower payable to the order of the Bank. Furthermore,
the Company hereby ratifies and reaffirms its grant of a security interest in all “Collateral”, as such term is defined in the Stock Pledge Agreement, as security for the payment and performance of all “Secured Obligations”, as
such term is defined in the Stock Pledge Agreement, and all other obligations under the Stock Pledge Agreement, as the same is amended hereby, and represents and acknowledges that the Stock Pledge Agreement is not subject to any claims,
counterclaims, defenses or offsets and that all of its obligations thereunder are legal, valid and binding in accordance with their terms. Finally, the Company hereby represents and acknowledges that the execution and delivery of this Amendment, the
Revolving Note and the other Loan Documents executed in connection herewith shall in no way change or modify its obligations as a debtor, pledgor, assignor, obligor and/or grantor under the Stock Pledge Agreement (except as specifically provided in
this Section 4.03) and shall not constitute a waiver by the Bank of any of the Bank’s rights or remedies against the Company. 
 Section 4.04. Representations and Warranties, etc. The Borrower and each of the Guarantors hereby jointly and severally represent and warrant to the Bank that (a) the execution, delivery and
performance of this Amendment and any and all other Loan Documents executed and/or delivered in connection herewith have been duly authorized by all requisite corporate, partnership or trust proceedings, as appropriate, and will not contravene, or
constitute a default under, any provision of applicable law or regulation or of the Agreement of Limited Partnership, Articles of Incorporation, By-Laws, Trust Agreement or other organizational document, as applicable, of the Borrower or any
Guarantor, or of any mortgage, indenture, material contract, material agreement or other material instrument, or any judgment, order or decree, binding upon the Borrower or any Guarantor; (b) the officer(s) or other representatives, as
applicable, of the Borrower and each Guarantor executing and delivering this Amendment and any and all other Loan Documents executed and/or delivered in connection herewith are duly elected and are authorized, by resolution of the board of
directors, board of managers or trustees (or other applicable governing body) of the Borrower and each such Guarantor, to execute on behalf of each such entity this Amendment and any and all other Loan Documents executed and/or delivered in
connection herewith; (c) the representations and warranties contained in the Agreement and the other Loan Documents, as amended hereby, are true and correct in all material respects on and as of the date hereof and on and as of the date of
execution hereof as though made on and as of each such date, except to the extent such representations were made as of a specific date; (d) no default or Event of Default under the Agreement, as amended hereby, or any other Loan Document has
occurred and is continuing, unless such default or Event of Default has been specifically waived in writing by the Bank; and (e) the Borrower and the Guarantors are in full compliance with all covenants and agreements contained in the Agreement
and the other Loan Documents, as amended hereby. 

  
 Ninth Amendment to Loan
Agreement - Page 3 

 Section 4.05. Subsidiaries, etc. The Borrower and each of the Guarantors hereby
jointly and severally represent and warrant to the Bank that each of the Borrower and the Guarantors is in compliance with the requirements of Section 12(m) of the Agreement as of the Amendment Closing Date and after giving effect to
this Amendment. 
 ARTICLE V. 
 Miscellaneous Provisions 
 Section 5.01. Survival of
Representations and Warranties. All representations and warranties made in the Agreement or any other Loan Documents, including, without limitation, any document furnished in connection with this Amendment, shall survive the execution and
delivery of this Amendment and the other Loan Documents to be executed in connection herewith, and no investigation by the Bank or any closing shall affect the representations and warranties or the right of the Bank to rely upon them. 

Section 5.02. Reference to Agreement. Each of the Agreement and the other Loan Documents, and any and all other agreements,
documents or instruments now or hereafter executed and delivered pursuant to the terms hereof or thereof or pursuant to the terms of the Agreement, as amended hereby, are hereby amended so that any reference in the Agreement and such other Loan
Documents to the Agreement shall mean a reference to the Agreement as amended hereby. 
 Section 5.03. Expenses of the
Bank. As provided in the Agreement, the Borrower agrees to pay on demand all reasonable costs and expenses incurred by the Bank in connection with the preparation, negotiation and execution of this Amendment and the other Loan Documents executed
pursuant hereto and any and all amendments, modifications and supplements hereto or thereto, including, without limitation, the costs and fees of the Bank’s legal counsel and all costs and expenses incurred by the Bank in connection with the
enforcement or preservation of any rights or remedies under the Agreement or any other Loan Document, in each case as amended hereby, including, without, limitation, the costs and fees of the Bank’s legal counsel. 

  
 Ninth Amendment to Loan
Agreement - Page 4 

 Section 5.04. Severability. Any provision of this Amendment held by a court of
competent jurisdiction to be invalid or unenforceable shall not impair or invalidate the remainder of this Amendment and the effect thereof shall be confined to the provision so held to be invalid or unenforceable. 

Section 5.05. Successors and Assigns. This Amendment is binding upon and shall inure to the benefit of the Borrower, the
Guarantors and the Bank and their respective successors and assigns; provided, however, that neither the Borrower nor any Guarantor may assign any of its obligations hereunder or under any Loan Document without the prior written
consent of the Bank. 
 Section 5.06. Counterparts. This Amendment may be executed in one or more counterparts, each of
which when so executed shall be deemed to be an original, but all of which when taken together shall constitute one and the same instrument. A facsimile signature or a signature transmitted electronically shall be effective as an original signature.

 Section 5.07. Effect of Waiver. No consent or waiver, express or implied, by the Bank to or for any breach of or
deviation from any covenant, condition or duty by the Borrower or any Guarantor shall be deemed a consent to or waiver of any other breach of the same or any other covenant, condition or duty. 

Section 5.08. Headings. The headings, captions and arrangements used in this Amendment are for convenience only and shall not
affect the interpretation of this Amendment. 
 Section 5.09. Applicable Law. THIS AMENDMENT AND ALL OTHER AGREEMENTS
EXECUTED PURSUANT HERETO SHALL BE DEEMED TO HAVE BEEN MADE AND TO BE PERFORMABLE IN, AND SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF TEXAS. 
 Section 5.10. Final Agreement. THE AGREEMENT AND THE OTHER LOAN DOCUMENTS, EACH AS AMENDED HEREBY, REPRESENT THE ENTIRE EXPRESSION OF THE PARTIES WITH RESPECT TO THE SUBJECT MATTER HEREOF AND
THEREOF ON THE DATE THIS AMENDMENT IS EXECUTED. THE AGREEMENT AND THE OTHER LOAN DOCUMENTS, AS AMENDED HEREBY, MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL
AGREEMENTS BETWEEN OR AMONG THE PARTIES. NO MODIFICATION, RESCISSION, WAIVER, RELEASE OR AMENDMENT OF ANY PROVISION OF THIS AMENDMENT SHALL BE MADE, EXCEPT BY A WRITTEN AGREEMENT SIGNED BY THE BORROWER, THE GUARANTORS AND THE BANK. 

Section 5.11. Agreement for Binding Arbitration. The parties agree to be bound by the terms and provisions of the Bank’s
current Arbitration Program, a true and correct copy of which is attached hereto as Exhibit A and incorporated herein by reference and is acknowledged as received by the parties pursuant to which any and all disputes shall be resolved by
mandatory binding arbitration upon the request of any party. 
 [Remainder of page intentionally left blank.] 

  
 Ninth Amendment to Loan
Agreement - Page 5 

 IN WITNESS WHEREOF, this Amendment has been executed and is effective as of the date first
above-written. 
  

			
	“BANK”
	
	 WELLS FARGO BANK,

NATIONAL ASSOCIATION

		
	By:	 	 /s/ Thomas J. Krueger

	Name:	 	Thomas J. Krueger
	Title:	 	Vice President, Loan Team Manager

  

					
	“BORROWER”
	
	FOSSIL PARTNERS, L.P.
		
	By:	 	Fossil, Inc.
	Title:	 	General Partner
			
		 	By:	 	 /s/ Mike L. Kovar

		 	Name:	 	Mike L. Kovar
		 	Title:	 	Executive Vice President, Chief
		 		 	Financial Officer and Treasurer

  

			
	“GUARANTORS”
	
	FOSSIL, INC.
		
	By:	 	 /s/ Mike L. Kovar

	Name:	 	Mike L. Kovar
	Title:	 	Executive Vice President, Chief
		 	Financial Officer and Treasurer

  

			
	FOSSIL INTERMEDIATE, INC.
		
	By:	 	 /s/ Mike L. Kovar

	Name:	 	Mike L. Kovar
	Title:	 	Treasurer

  
 Ninth Amendment to Loan
Agreement - Page 6 

 
			
	FOSSIL TRUST
		
	By:	 	 /s/ Mike L. Kovar

	Name:	 	Mike L. Kovar
	Title:	 	Treasurer

  

			
	FOSSIL STORES I, INC.
		
	By:	 	 /s/ Mike L. Kovar

	Name:	 	Mike L. Kovar
	Title:	 	Treasurer

  

			
	ARROW MERCHANDISING, INC.
		
	By:	 	 /s/ Mike L. Kovar

	Name:	 	Mike L. Kovar
	Title:	 	Treasurer

  

			
	FOSSIL HOLDINGS, LLC
		
	By:	 	 /s/ Mike L. Kovar

	Name:	 	Mike L. Kovar
	Title:	 	Manager

  

			
	FOSSIL INTERNATIONAL HOLDINGS, INC.
		
	By:	 	 /s/ Michael W. Barnes

	Name:	 	Michael W. Barnes
	Title:	 	President

  
 Ninth Amendment to Loan
Agreement - Page 7 

 EXHIBIT A 
 ARBITRATION PROGRAM 

  
 Exhibit A to Ninth
Amendment to Loan Agreement - Cover Page 

 ARBITRATION 
 (a) Arbitration. The parties hereto agree, upon demand by any party, to submit to binding arbitration all claims, disputes and controversies between or among them (and their respective employees,
officers, directors, attorneys, and other agents), whether in tort, contract or otherwise in any way arising out of or relating to (i) any credit subject hereto, or any of the Loan Documents, and their negotiation, execution, collateralization,
administration, repayment, modification, extension, substitution, formation, inducement, enforcement, default or termination; or (ii) requests for additional credit. 
 (b) Governing Rules. Any arbitration proceeding will (i) proceed in a location in Texas selected by the American Arbitration Association (“AAA”); (ii) be governed by the Federal
Arbitration Act (Title 9 of the United States Code), notwithstanding any conflicting choice of law provision in any of the documents between the parties; and (iii) be conducted by the AAA, or such other administrator as the parties shall
mutually agree upon, in accordance with the AAA’s commercial dispute resolution procedures, unless the claim or counterclaim is at least $1,000,000.00 exclusive of claimed interest, arbitration fees and costs in which case the arbitration shall
be conducted in accordance with the AAA’s optional procedures for large, complex commercial disputes (the commercial dispute resolution procedures or the optional procedures for large, complex commercial disputes to be referred to herein, as
applicable, as the “Rules”). If there is any inconsistency between the terms hereof and the Rules, the terms and procedures set forth herein shall control. Any party who fails or refuses to submit to arbitration following a demand by any
other party shall bear all costs and expenses incurred by such other party in compelling arbitration of any dispute. Nothing contained herein shall be deemed to be a waiver by any party that is a bank of the protections afforded to it under 12
U.S.C. §91 or any similar applicable state law. 
 (c) No Waiver of Provisional Remedies, Self-Help and Foreclosure.
The arbitration requirement does not limit the right of any party to (i) foreclose against real or personal property collateral; (ii) exercise self-help remedies relating to collateral or proceeds of collateral such as setoff or
repossession; or (iii) obtain provisional or ancillary remedies such as replevin, injunctive relief, attachment or the appointment of a receiver, before during or after the pendency of any arbitration proceeding. This exclusion does not
constitute a waiver of the right or obligation of any party to submit any dispute to arbitration or reference hereunder, including those arising from the exercise of the actions detailed in sections (i), (ii) and (iii) of this paragraph.

 (d) Arbitrator Qualifications and Powers. Any arbitration proceeding in which the amount in controversy is
$5,000,000.00 or less will be decided by a single arbitrator selected according to the Rules, and who shall not render an award of greater than $5,000,000.00. Any dispute in which the amount in controversy exceeds $5,000,000.00 shall be decided by
majority vote of a panel of three arbitrators; provided however, that all three arbitrators must actively participate in all hearings and deliberations. The arbitrator will be a neutral attorney licensed in the State of Texas with a minimum of ten
years experience in the substantive law applicable to the subject matter of the dispute to be arbitrated. The arbitrator will determine whether or not an issue is arbitratable and will give effect to the statutes of limitation in determining any
claim. In any arbitration proceeding the arbitrator will decide (by documents only or with a hearing at the arbitrator’s discretion) any pre-hearing motions which are similar to motions to dismiss for failure to state a claim or motions for
summary adjudication. The arbitrator shall resolve all disputes in accordance with the substantive law of Texas and may grant any remedy or relief that a court of such state could order or grant within the scope hereof and such ancillary relief as
is necessary to make effective any award. The arbitrator shall also have the power to award recovery of all costs and fees, to impose sanctions and to take such other action as the arbitrator deems necessary to the same extent a judge could pursuant
to the Federal Rules of Civil Procedure, the Texas Rules of Civil Procedure or other applicable law. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The institution and maintenance of an action for
judicial relief or pursuit of a provisional or ancillary remedy shall not constitute a waiver of the right of any party, including the plaintiff, to submit the controversy or claim to arbitration if any other party contests such action for judicial
relief. 

 (e) Discovery. In any arbitration proceeding, discovery will be permitted in
accordance with the Rules. All discovery shall be expressly limited to matters directly relevant to the dispute being arbitrated and must be completed no later than 20 days before the hearing date. Any requests for an extension of the discovery
periods, or any discovery disputes, will be subject to final determination by the arbitrator upon a showing that the request for discovery is essential for the party’s presentation and that no alternative means for obtaining information is
available. 
 (f) Class Proceedings and Consolidations. No party hereto shall be entitled to join or consolidate disputes
by or against others in any arbitration, except parties who have executed any Loan Document, or to include in any arbitration any dispute as a representative or member of a class, or to act in any arbitration in the interest of the general public or
in a private attorney general capacity. 
 (g) Payment Of Arbitration Costs And Fees. The arbitrator shall award
all costs and expenses of the arbitration proceeding. 
 (h) Miscellaneous. To the maximum extent practicable, the AAA,
the arbitrators and the parties shall take all action required to conclude any arbitration proceeding within 180 days of the filing of the dispute with the AAA. No arbitrator or other party to an arbitration proceeding may disclose the existence,
content or results thereof, except for disclosures of information by a party required in the ordinary course of its business or by applicable law or regulation. If more than one agreement for arbitration by or between the parties potentially applies
to a dispute, the arbitration provision most directly related to the Loan Documents or the subject matter of the dispute shall control. This arbitration provision shall survive termination, amendment or expiration of any of the Loan Documents or any
relationship between the parties.

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