Document:

<PAGE>   1

                                                                 EXHIBIT 10.2

                 AMENDMENT NO. 1 TO REVOLVING CREDIT AGREEMENT

         THIS AMENDMENT NO. 1 TO REVOLVING CREDIT AGREEMENT (this "Amendment")
is dated effective as of February 23, 2000, among CROWN CRAFTS, INC. (the
"Borrower") and WACHOVIA BANK, N.A. (the "Lender");

                              W I T N E S S E T H:

         WHEREAS, the Borrower and the Lender executed and delivered that
certain Credit Agreement, dated as of August 9, 1999 (the "Credit Agreement");

         WHEREAS, the Borrower has requested and the Lender has agreed to
certain amendments to certain provisions in the Credit Agreement, subject to the
terms and conditions hereof;

         NOW, THEREFORE, for and in consideration of the above premises and
other good and valuable consideration, the receipt and sufficiency of which
hereby is acknowledged by the parties hereto, the Borrower and the Lender hereby
covenant and agree as follows:

         1.       Definitions. Unless otherwise specifically defined herein,
each term used herein which is defined in the Credit Agreement shall have the
meaning assigned to such term in the Credit Agreement. Each reference to
"hereof", "hereunder", "herein" and "hereby" and each other similar reference
and each reference to "this Agreement" and each other similar reference
contained in the Credit Agreement shall from and after the date hereof refer to
the Credit Agreement as amended hereby.

         2.       Amendments to Credit Agreement. (a) Each of the following
definitions is hereby added to Section 1.1 of the Credit Agreement in
alphabetical order as follows:

                  "Additional Bridge Loan Conditions" means the following
         initial condition to the making of the CIT Bridge Loan and the
         effectiveness of treatment of CIT as a Secured Party under the Amended
         and Restated Intercreditor Agreement with respect to the CIT Bridge
         Loan, and the ongoing conditions for advances under the CIT Bridge
         Loan, which shall be set forth in and required by the Amended and
         Restated Intercreditor Agreement:

                           (a)      the initial condition shall be the execution
                  and delivery of such amendments to the Security Documents as
                  may be necessary or desirable in connection therewith; and

                           (b)      the ongoing conditions shall be that (i) the
                  Borrower shall be required to obtain such Factor Advances from
                  a Permitted Factor as may be available

<PAGE>   2

                  from time to time (without violating the provisions of Section
                  8.15 hereof) before being entitled to request any advances
                  under the CIT Bridge Loan, and (ii) each advance under the CIT
                  Bridge Loan shall be requested through the Collateral Agent
                  (which request shall include a certification that no Factor
                  Advances are available from a Permitted Factor without
                  violating the provisions of Section 8.15 hereof for any
                  amounts so requested to be advanced and shall be accompanied
                  by an update of the Borrowing Base Certificate as required by
                  Section 7.1(g)), and such advance shall be available to the
                  Borrower only if the Collateral Agent determines that, after
                  giving effect to such advance, the aggregate amount of Senior
                  Debt outstanding would not exceed the Borrowing Base, and so
                  notifies CIT and the Borrower.

                  "Amended and Restated Intercreditor Agreement" means an
         amendment and restatement of the Intercreditor Agreement, in form and
         substance satisfactory to the Lender, which will contain, among other
         things: (i) the addition of CIT as a Secured Party thereunder with
         respect to the CIT Bridge Loan, subject to the Additional Bridge Loan
         Conditions; (ii) provisions pertaining to the application of proceeds
         of the Transaction (including distribution with respect to the CIT
         Bridge Loan prior to distributions to the other Secured Parties); (iii)
         provisions pertaining to the application of proceeds of any issuance of
         debt, equity or other capital (including distribution with respect to
         the CIT Bridge Loan prior to distributions to the other Secured
         Parties); (iv) provisions pertaining to a "true up" of outstanding
         claims of the Secured Parties (other than CIT) in the event of receipt
         of a "Default Notice", as defined therein; and (v) such other matters
         as the Secured Parties shall deem appropriate.

                  "CIT" means The CIT Group/Commercial Services, Inc.

                  "CIT Bridge Loan" means a loan or loans in the aggregate
         amount of up to $10,000,000 to be made to the Borrower by CIT after the
         First Amendment Effective Date, subject to the satisfaction of the CIT
         Bridge Loan Conditions.

                  "CIT Bridge Loan Conditions" means: (i) the execution and
         delivery by the Borrower, the Collateral Agent and the Secured Parties
         (including CIT with respect to the CIT Bridge Loan) of the Amended and
         Restated Intercreditor Agreement; and (ii) the Additional Bridge Loan
         Conditions.

                  "Transaction" means the transaction conforming to the terms of
         that certain letter agreement dated as of February 23, 2000 among the
         Secured Parties and the Borrower.

         (b)      Each of the following definitions contained in Section 1.1 of
the Credit Agreement is amended and restated in its entirety in alphabetical
order as follows:

                                        2

<PAGE>   3
                  "Applicable Interest Addition" means (i) for each Base Rate
         Loan which is not an Overadvance Loan, 1.00%, and (ii) for each Base
         Rate Loan which is also an Overadvance Loan, 2.00%; provided, however,
         that if, for any period set forth in clauses (i) through (v) of the
         definition of Overadvance Amount, the Secured Parties agree to any
         Overadvance Loan in an amount in excess of the amount set forth in such
         definition for such period, the interest rate for the amount of such
         excess shall be such higher rate as the parties may agree upon. The
         increased amount of interest on any Overadvance Loans shall accrue from
         the effective date of each Borrowing Base Certificate and shall be
         based upon the amount of Overadvance Loans outstanding on such
         effective date as calculated from the Borrowing Base reported in such
         Borrowing Base Certificate.

                  "Bank of America" means Bank of America and its successors and
         assigns under the Bank of America Credit Agreement.

                  "Borrowing Base" means, as determined by the most recent
         Borrowing Base Certificate, or, in the event such Borrowing Base
         Certificate is not timely delivered, based upon the the Lender's good
         faith estimate thereof for such period to be reported on the date such
         Borrowing Base Certificate was due, an amount equal to:

                           (a)      all Net Receivables multiplied by 85%, less
                  the amount of all Factor Advances which have been received
                  from the applicable Permitted Factor; plus

                           (b)      the lesser of the book value (net of all
                  reserves) or market value of all Inventory multiplied by 50%;
                  plus

                           (c)      the Applicable Property Value multiplied by
                  80%; plus

                           (d)      the Overadvance Amount.

                  "First Amendment Effective Date" means February 23, 2000.

                  "Overadvance Amount" means, for the purposes of each
         calculation of the Borrowing Base, an amount equal to: (i) for the
         period from the First Amendment Effective Date to February 25, 2000,
         $25,000,000; (ii) for the period from February 26, 2000 to March 10,
         2000, $26,000,000; (iii) for the period from March 11, 2000 to March
         17, 2000, $25,000,000; (iv) for the period from March 18, 2000 to March
         24, 2000, $24,000,000; and (v) from and after March 25, 2000,
         $23,000,000; provided, however, during any of the foregoing periods,
         the Overadvance Amount may be such higher amount, not to exceed
         $28,000,000, as all of the Secured Parties may agree upon in their sole
         and absolute discretion.

                                        3

<PAGE>   4

                  "Overadvance Loan" means, as determined by the most recent
         Borrowing Base Certificate, that portion of the Revolving Loans equal
         to (x) all Obligations divided by total Senior Debt outstanding,
         multiplied by (y) the amount of total Senior Debt outstanding in excess
         of (i) the Borrowing Base minus (ii) the Overadvance Amount.

                  "Prudential" means The Prudential Insurance Company of America
         and its successors and assigns under the Prudential Note Agreement.

                  "Secured Parties" means, collectively, the Lender, Bank of
         America and Prudential, and from and after satisfaction of the CIT
         Bridge Loan Conditions, shall also mean and include CIT, with respect
         to the CIT Bridge Loan.

                  "Senior Debt" means: (i) all Indebtedness of the Borrower and
         its Subsidiaries owing to the Secured Parties pursuant to the Senior
         Debt Documents; and (ii) upon satisfaction of and subject to the CIT
         Bridge Loan Conditions, all Indebtedness of the Borrower and its
         Subsidiaries owing to CIT pursuant to the financing or credit agreement
         governing the CIT Bridge Loan.

                  "Senior Debt Documents" means, collectively: (i) this
         Agreement, the Bank of America Credit Agreement and the Prudential Note
         Agreement, together with all material related documents executed in
         connection with the transactions contemplated thereby; and (ii) upon
         satisfaction of and subject to the CIT Bridge Loan Conditions, the
         financing or credit agreement governing the CIT Bridge Loan and all
         material related documents executed in connection with the transactions
         contemplated thereby; provided, that the reference to Senior Debt
         Documents contained in clause (xiv) of Section 5.1 shall mean only the
         documents described in clause (i) of this definition.

                  "Term Loan Maturity Date" means the earlier of (i) April 3,
         2000, or (ii) such earlier date of termination of the Lender's
         obligations pursuant to Section 9.1 or the acceleration of any Loans
         upon the occurrence of an Event of Default.

         (c)      Section 3.1 is amended and restated in its entirety as
follows:

                  3.1      Interest Rate. From and after the First Amendment
         Effective Date all new Loans shall be made as Base Rate Loans; (ii) no
         Eurodollar Rate Loans may be elected. Eurodollar Rate Loans in effect
         on the First Amendment Effective Date shall continue as such until the
         end of the applicable Interest Period for such Eurodollar Rate Loans,
         at which time they shall be Converted to Base Rate Loans, and may not
         be Continued as Eurodollar Rate Loans, and all references in and
         provisions of this Agreement or any Exhibits hereto to a selection by
         the Borrower of a Eurodollar Rate shall be ignored and shall have no
         force or effect on or after the First Amendment Effective Date.

                                        4

<PAGE>   5

         (d)      Section 3.2 is amended and restated in its entirety as
follows:

                  3.2      Discontinuance of Conversion and Continuation
         Elections. From and after the First Amendment Effective Date, the
         Borrower shall have no option to Convert a Base Rate Loan to a
         Eurodollar Rate Loan or to Continue a Eurodollar Rate Loan as a
         Eurodollar Rate Loan, and all references in and provisions of this
         Agreement or any Exhibits hereto to such option, or to any Conversion
         or Continuation, shall be ignored and shall have no force or effect as
         to any Loans in existence on or made after the First Amendment
         Effective Date.

         (e)      Section 3.3 is amended and restated in its entirety as
follows:

                  3.3      Payment of Interest. The Borrower shall pay interest
         on the outstanding and unpaid principal amount of each Loan, commencing
         on the first date of such Loan until such Loan shall be repaid, at the
         applicable Base Rate or, with respect to Eurodollar Rate Loans in
         effect on the First Amendment Effective Date, at such Eurodollar Rate.
         Interest on Eurodollar Loans in effect on the First Amendment Effective
         Date shall be paid on the last day of the applicable Interest Period
         for such Eurodollar Rate Loan. Interest on each other Loan shall be
         paid on the earlier of (a) monthly in arrears on the last Business Day
         of each month, commencing February 29, 2000, until the Revolving A
         Credit Termination Date or the Term Loan Maturity Date, as applicable,
         at which date the entire principal amount of and all accrued interest
         on such Loans shall be paid in full, and (b) upon payment in full of
         the related Loan; provided, however, that if any Event of Default shall
         occur and be continuing, all amounts outstanding hereunder shall bear
         interest thereafter until paid in full at the Default Rate.

         (f)      Section 7.1 hereby is amended by adding a new paragraph (g)
thereto, as follows:

                  (g)      Updates of Borrowing Base Certificates. On each
                  Business Day, an uncertified, good faith estimated update of
                  the most recently furnished complete Borrowing Base
                  Certificate as to the information under the heading "Accounts
                  Receivable" pertaining to "Factored Accounts" and "Factor
                  Advances"; and the information under the heading "Senior
                  Debt".

         (g)      Section 8.1(b) is amended and restated in its entirety as
follows:

                  (b)      Consolidated EBITDA. Permit Consolidated EBITDA as of
         the end of any fiscal month for any Twelve Month Period ending on or
         about the dates indicated below to be less than the amount set forth
         below opposite such date:

                                        5

<PAGE>   6

<TABLE>
<CAPTION>
                                                              Minimum
                                                           Consolidated
                 Twelve Month Period Ending Date              EBITDA
                 -------------------------------           ------------
                 <S>                                       <C>
                      December 26, 1999                    $14,500,000
                      January 30, 2000                     $10,000,000
                      February 27, 2000                    $ 8,500,000
                      April 2, 2000                        $ 7,500,000
</TABLE>

         (h)      Section 8.1(c) is amended and restated in its entirety as
follows:

                  (c)      Consolidated Fixed Charge Coverage Ratio. Permit at
         any time the Consolidated Fixed Charge Ratio of the Borrower to be less
         than 0.00 to 1.00

         (i)      Section 8.7 is amended and restated in its entirety as
follows:

                  8.7      Restricted Payments. Make any Restricted Payments
         (including, without limitation, any cash dividends or other
         distributions or settlement payments with respect to any class of stock
         of the Borrower or any of its Subsidiaries) or apply or set apart any
         of their assets therefor or agree to do any of the foregoing in any
         Fiscal Year, and the provisions of that certain letter agreement dated
         August 6, 1999 among the Borrower, the Lender and Bank of America
         hereby are rescinded, and such letter agreement hereby is terminated.

         (j)      Section 8.15 is amended and restated in its entirety as
follows:

                  8.15     Factor Advances. Permit to exist any Factor Advances,
         other than Factor Advances from a Permitted Factor, in an aggregate
         amount exceeding $25,000,000 at any time.

         (k)      Effective upon satisfaction of the CIT Bridge Loan Conditions,
Exhibit J to the Credit Agreement (the form of Borrowing Base Certificate) is
amended by adding, under the heading "Senior Debt" and after the line item for
Wachovia debt, an additional line item for CIT debt under the CIT Bridge Loan.

         3.       Consent to CIT Bridge Loan. The Lender hereby consents to the
CIT Bridge Loan, subject to satisfaction of the CIT Bridge Loan Conditions.

         4.       Restatement of Representations and Warranties. The Borrower
hereby restates and renews each and every representation and warranty heretofore
made by it in the Credit Agreement (as amended and modified hereby) and the
other Loan Documents as fully as if made

                                        6

<PAGE>   7

on the date hereof and with specific reference to this Amendment and all other
loan documents executed and/or delivered in connection herewith.

         5.       Effect of Amendment. Except as set forth expressly
hereinabove, all terms of the Credit Agreement and the other Loan Documents
shall be and remain in full force and effect, and shall constitute the legal,
valid, binding and enforceable obligations of the Borrower. The agreements
contained herein shall be deemed to have prospective application only, unless
otherwise specifically stated herein.

         6.       Ratification. The Borrower hereby restates, ratifies and
reaffirms each and every term, covenant and condition set forth in the Credit
Agreement and the other Loan Documents effective as of the date hereof and
agrees that this Amendment is one of the Loan Documents.

         7.       Counterparts. This Amendment may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of
which when so executed and delivered shall be deemed to be an original and all
of which counterparts, taken together, shall constitute but one and the same
instrument.

         8.       Section References. Section titles and references used in this
Amendment shall be without substantive meaning or content of any kind whatsoever
and are not a part of the agreements among the parties hereto evidenced hereby.

         9.       No Default or Claims. To induce the Lender to enter into this
Amendment and to continue to make advances pursuant to the Credit Agreement, the
Borrower hereby acknowledges and agrees that, as of the date hereof, and after
giving effect to the terms hereof, (i) no Default or Event of Default exists,
(ii) no right of offset, recoupment, defense, counterclaim, claim or objection
exists in favor of the Borrower arising out of or with respect to any of the
Loans or other obligations of the Borrower owed to the Lenders under the Credit
Agreement, and (iii) the Bank has acted in good faith and has conducted its
relationships with the Borrower in a commercially reasonable manner in
connection with the negotiations, execution and delivery of this Amendment and
in all respects in connection with the Credit Agreement, the Borrower hereby
waiving and releasing any such claims to the contrary that may exist as of the
date of this Amendment.

         10.      Additional Agreements; Further Assurances. (a) The Borrower
agrees to deliver to the Lender the following items on or before March 31, 2000:
(i) such surveys as the Lender may reasonably request and title policies
(reflecting negotiated changes to each title commitment therefor) for all real
property of the Borrower and its Subsidiaries (other than for Excluded
Locations), and (ii) opinion letters from local counsel relating to the
perfection of the Secured Parties' liens against the personal and real property
of the Borrower and its Subsidiaries located in Watauga County, North Carolina,
and Louisiana.

                                        7

<PAGE>   8

         (b) The Borrower acknowledges that the amendments to the Credit
Agreement contained in this Amendment were approved by the Lender on an
expedited basis at the Borrower's request and on the Borrower's behalf, and,
therefore, certain matters contemplated by this Amendment and the other Loan
Documents and amendments thereto executed and delivered in connection with this
Amendment may not be documented to the complete satisfaction of the Lender. The
Borrower agrees to promptly take such further actions as the Lender shall
request from time to time in connection with this Amendment in order to further
document and evidence the agreements contemplated by this Amendment and to
provide the Lender with such other customary rights, powers and remedies with
respect to the agreements contemplated by this Amendment that might not be
contained herein. The failure by the Borrower to timely comply with any such
request by the Lender and any other obligation of the Borrower under this
Amendment, time being of the essence, shall constitute an Event of Default under
the Credit Agreement.

         11.      Governing Law. This Amendment shall be governed by and
construed and interpreted in accordance with, the laws of the State of Georgia.

         12.      Conditions Precedent; Attorney Fees; Etc.. This Amendment
shall become effective only upon (A) execution and delivery of (i) this
Amendment by each of the parties hereto, (ii) the Consent and Reaffirmation of
Guarantors at the end hereof by each of the Guarantors, (iii) an amendment,
satisfactory to the Lender in all respects, to that certain Revolving Credit
Agreement dated as of August 9, 1999, between the Borrower and Bank of America,
N.A., whereby the amendments set forth in paragraph 2 of this Amendment are
agreed to with respect to such Revolving Credit Agreement and, to the extent not
remedied by such amendments, any existing defaults or events of default
thereunder are waived, (iv) a waiver, satisfactory to the Lender in all
respects, with respect to that certain Note Agreement dated as of October 12,
1995 between the Borrower and The Prudential Insurance Company of America,
whereby any existing defaults or events of default thereunder are waived for a
period not less than one year, and (v) the letter agreement described in the
definition of "Transaction" added to the Credit Agreement hereby; and (B)
payment to the Lender in immediately available funds of the fees, costs and
expenses described in a letter agreement of even date herewith between the
Borrower and the Lender.

                                        8

<PAGE>   9

         IN WITNESS WHEREOF, the Borrower and the Lender have caused this
Amendment to be duly executed, under seal, by their duly authorized officers as
of the day and year first above written.

                                             CROWN CRAFTS, INC.          (SEAL)

                                             By: /s/ David S. Fraser
                                                -------------------------------
                                             Title:  Vice President,
                                                     Chief Financial Officer

                                             WACHOVIA BANK, N.A.         (SEAL)

                                             By: /s/ R.E.S. Bowen
                                                -------------------------------
                                             Title: Vice President

                                        9

<PAGE>   10

                     CONSENT AND REAFFIRMATION OF GUARANTORS

         Each of the undersigned (i) acknowledges receipt of the foregoing
Amendment No. 1 to Revolving Credit Agreement (the "Amendment"), (ii) consents
to the execution and delivery of the Amendment by the parties thereto, and (iii)
reaffirms all of its obligations and covenants under that certain Subsidiary
Guaranty Agreement dated as of August 9, 1999, and agrees that none of such
obligations and covenants shall be affected by the execution and delivery of the
Amendment. This Consent and Reaffirmation may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of
which when so executed and delivered shall be deemed to be an original and all
of which counterparts, taken together, shall constitute but one and the same
instrument.

                              GUARANTORS:

                              CHURCHILL WEAVERS, INC.
                              CROWN CRAFTS DESIGNER, INC.
                              CROWN CRAFTS FURNISHINGS, INC.
                              CROWN CRAFTS FURNISHINGS OF
                                  ILLINOIS, INC.
                              G.W. STORES, INC.
                              HAMCO, INC.
                              CROWN CRAFTS INFANT PRODUCTS, INC.
                                (as successor to Noel Joanna, Inc. And the Red
                                Calliope and Associates, Inc.)

                              By: /s/ David S. Fraser
                                 ---------------------------------------------
                              Name: David S. Fraser
                                   -------------------------------------------
                              Title: Vice President
                                    ------------------------------------------

                                       10<PAGE>   1
                                                                    Exhibit 10.3

                                                           EXECUTION COUNTERPART

                                  WAIVER UNDER
                               1995 NOTE AGREEMENT

         This Waiver, entered into as of February 14, 2000, by and among CROWN
CRAFTS, INC. (the "COMPANY") and THE PRUDENTIAL INSURANCE COMPANY OF AMERICA
("NOTEHOLDER").

         WHEREAS, the parties hereto have executed and delivered that certain
Note Purchase and Private Shelf Facility dated as of October 12, 1995 (as
amended, the "NOTE AGREEMENT");

         WHEREAS, the Company has agreed in the Note Agreement to meet certain
financial covenants, which it has failed to meet;

         WHEREAS, the Company has requested a waiver of the financial covenants
under the Note Agreement;

         WHEREAS, Noteholder is willing to enter into this Waiver subject to the
satisfaction of conditions and terms set forth herein;

         WHEREAS, capitalized terms used herein and not otherwise defined shall
have the meanings set forth in the Note Agreement; and

         NOW, THEREFORE, in consideration of the foregoing and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

         1.       WAIVER. Noteholder hereby waives the failure of the Company to
meet the financial covenants set forth in paragraph 6A of the Note Agreement
from December 26, 1999 through December 27, 2000; provided however, that if the
Company fails to comply with the provisions of Section 2 below, this waiver
shall cease to be effective.

         2.       The Company shall deliver to Noteholder on or prior to
February 29, 2000, each of the following in form and substance satisfactory to
Noteholder in its sole and absolute discretion (i) an amendment to the Note
Agreement, amending, among other things, the financial covenants, and (ii) an
amendment to that certain Intercreditor Agreement, dated as of August 9, 1999
among the Company, Wachovia, as Collateral Agent and a Secured Party, Bank of
America, N.A., as a Secured Party and Noteholder, as a Secured Party.

<PAGE>   2

                                                                               2

         3.       MISCELLANEOUS.

         (a)      Except as specifically waived above, the Note Agreement, and
all other related documents, are and shall continue to be in full force and
effect and are hereby in all respects ratified and confirmed.

         (b)      The execution, delivery and effectiveness of this Waiver shall
not, except as expressly provided herein, operate as a waiver of any right,
power or remedy of any holder of a Note under the Note Agreement or the Notes,
nor constitute a waiver of any provision of any of the foregoing.

         4.       COSTS AND EXPENSES. The Company agrees to pay on demand all
costs and expenses incurred by any holder of a Note in connection with the
preparation, execution and delivery of this Waiver, including, without
limitation, the reasonable fees and out-of-pocket expenses of counsel. The
Company further agrees to pay on demand all costs and expenses, if any
(including, without limitation, reasonable counsel fees and expenses of
counsel), incurred by any holder of a Note in connection with the enforcement
(whether through negotiations, legal proceedings or otherwise) of this Waiver,
including, without limitation, counsel fees and expenses in connection with the
enforcement of rights under this paragraph 4.

         5.       EXECUTION IN COUNTERPARTS. This Waiver may be executed in any
number of counterparts and by the parties hereto in separate counterparts, each
of which when so executed and delivered shall be deemed to be an original and
all of which taken together shall constitute but one and the same instrument.

         6.       GOVERNING LAW. This Waiver shall be governed by, and construed
in accordance with, the laws of the State of New York.

         7.       ESTOPPEL. To induce the Noteholder to enter into this Waiver,
the Company hereby acknowledges and agrees that, as of the date hereof, there
exists no right of offset, defense or counterclaim in favor of the Company
against any holder of the Notes with respect to the obligations of the Company
to any such holder, either with or without giving effect to this Waiver.

         8.       EXPIRATION. In the event that the conditions specified in
paragraph 2 above have not been satisfied on or prior to the close of business
on February 29, 2000, this Waiver shall become null and void and of no force or
effect.

                           [Signatures on Next Page.]

<PAGE>   3

                                                                               3

         IN WITNESS WHEREOF, the parties hereto have caused this Waiver to be
executed by their respective officers thereunto duly authorized, as of the date
first above written.

                                        CROWN CRAFTS, INC.

                                        By /s/ David S. Fraser
                                          --------------------------------------
                                          Name: David S. Fraser
                                          Title: Vice President,
                                                 Chief Financial Officer

                                        THE PRUDENTIAL INSURANCE
                                          COMPANY OF AMERICA

                                        By  /s/ Robert R. Derrick
                                          --------------------------------------
                                          Robert R. Derrick
                                          Vice President

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