Document:

Exhibit
10.1

CHANGE IN CONTROL AGREEMENT

This Change in Control
Agreement ("Agreement") is entered into by
and between SunTrust Banks, Inc., a Georgia corporation
("SunTrust"), and
                                      
("Executive").

WHEREAS, Executive is
employed by SunTrust or provides services directly or indirectly to
SunTrust as a senior executive of SunTrust or one, or more than one,
SunTrust Affiliate; and

WHEREAS, the Board and the Compensation
Committee have decided that SunTrust should provide certain benefits to
Executive in the event Executive's employment is terminated
without Cause or Executive resigns for Good Reason following a Change
in Control; and

WHEREAS, this Agreement sets forth the benefits
which the Board and the Compensation Committee have decided SunTrust
shall provide under such circumstances and the terms and conditions
under which the Board and the Compensation Committee have decided that
such benefits shall be provided;

NOW, THEREFORE, in
consideration of the mutual promises and agreements contained in this
Agreement and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, SunTrust and Executive
hereby agree as follows:

§ 1.

Definitions

1.1    Board.    The term
"Board" for purposes of this Agreement shall
mean the Board of Directors of SunTrust.

1.2    Cause.    The term "Cause" for
purposes of this Agreement shall (subject to §  1.2(e))
mean:

(a)    The willful and continued failure
by Executive to perform satisfactorily the duties of Executive's
job;

(b)    Executive is convicted of a felony
or has engaged in a dishonest act, misappropriation of funds,
embezzlement, criminal conduct or common law fraud;

(c)    Executive has engaged in a material
violation of the SunTrust Code of Conduct; or

(d)    Executive has engaged in any willful act
that materially damages or materially prejudices SunTrust or a SunTrust
Affiliate or has engaged in conduct or activities materially damaging
to the property, business or reputation of SunTrust or a SunTrust
Affiliate; provided, however,

(e)    No such
act, omission or event shall be treated as
"Cause" under this Agreement unless
(i)  Executive has been provided a detailed, written statement of
the basis for SunTrust's belief that such act, omission or event
constitutes "Cause" and an opportunity to
meet with the Compensation Committee (together with Executive's
counsel if Executive chooses to have Executive's counsel present
at such meeting) after Executive has had a reasonable period in which
to review such statement and, if the allegation is under §
1.2(a), has had at least a thirty (30) day period to take corrective
action and (ii)  the Compensation Committee after such meeting
(if Executive meets with the Compensation Committee) and after the end
of such thirty (30) day correction period (if applicable) determines
reasonably and in good faith and by the affirmative vote of at least
two thirds of the members of the Compensation Committee then in office
at a meeting called and held for such purpose that
"Cause" does exist under this Agreement.

1.3    Change in Control.    The term "Change in
Control" for purposes of this Agreement shall mean a
change in control of SunTrust of a nature that would be required to be
reported in response to Item 6(e) of Schedule 14A of Regulation 14A
promulgated under the Exchange Act as in effect at the time of such
"change in control", provided that such a
change in control shall be deemed to have 

occurred at such time as (i) any
"person" (as that term is used in Sections
13(d) and 14(d)(2) of the Exchange Act), is or becomes the beneficial
owner (as defined in Rule 13d-3 under the Exchange Act) directly or
indirectly, of securities representing 20% or more of the
combined voting power for election of directors of the then outstanding
securities of SunTrust or any successor of SunTrust; (ii) during any
period of two consecutive years or less, individuals who at the
beginning of such period constitute the Board cease, for any reason, to
constitute at least a majority of the Board, unless the election or
nomination for election of each new director was approved by a vote of
at least two-thirds of the directors then still in office who were
directors at the beginning of the period; (iii) there is a consummation
of any reorganization, merger, consolidation or share exchange as a
result of which the common stock of SunTrust shall be changed,
converted or exchanged into or for securities of another corporation
(other than a merger with a wholly-owned subsidiary of SunTrust) or any
dissolution or liquidation of SunTrust or any sale or the disposition
of 50% or more of the assets or business of SunTrust; or (iv)
there is a consummation of any reorganization, merger, consolidation or
share exchange unless (A) the persons who were the beneficial owners of
the outstanding shares of the common stock of SunTrust immediately
before the consummation of such transaction beneficially own more than
65% of the outstanding shares of the common stock of the
successor or survivor corporation in such transaction immediately
following the consummation of such transaction and (B) the number of
shares of the common stock of such successor or survivor corporation
beneficially owned by the persons described in §  1.3(iv)(A)
immediately following the consummation of such transaction is
beneficially owned by each such person in substantially the same
proportion that each such person had beneficially owned shares of
SunTrust common stock immediately before the consummation of such
transaction, provided (C) the percentage described in §
1.3(iv)(A) of the beneficially owned shares of the successor or
survivor corporation and the number described in §
1.3(iv)(B) of the beneficially owned shares of the successor or
survivor corporation shall be determined exclusively by reference to
the shares of the successor or survivor corporation which result from
the beneficial ownership of shares of common stock of SunTrust by the
persons described in §  1.3(iv)(A) immediately before the
consummation of such transaction.

1.4    Code.    The term
"Code" for purposes of this Agreement shall
mean the Internal Revenue Code of 1986, as amended.

1.5    Compensation Committee.    The term
"Compensation Committee" for purposes of this
Agreement shall mean the Compensation Committee of the Board.

1.6    Confidential or Proprietary Information.    The term
"Confidential or Proprietary Information" for
purposes of this Agreement shall mean any secret, confidential, or
proprietary information of SunTrust or a SunTrust Affiliate (not
otherwise included in the definition of Trade Secret in § 1.19 of
this Agreement) that has not become generally available to the public
by the act of one who has the right to disclose such information
without violating any right of SunTrust or a SunTrust Affiliate.

1.7    Current Compensation Package.    The term
"Current Compensation Package" for purposes
of §  3(a)(2)(A) of this Agreement shall mean the sum of the
amount described in §  1.7(a) and in §  1.7(b) as
follows:

(a)    Base
Salary.    Executive's highest annual base salary from SunTrust
and any SunTrust Affiliate which (but for any salary deferral election)
is in effect at any time during the 1 year period which ends on the
date Executive's employment with SunTrust or a SunTrust Affiliate
terminates under the circumstances described in §  3(a) or
§  3(f).

(b)    MIP or MIP
Alternative.    

(1)    General
Rule.    If Executive participates in the MIP or in an alternative,
functional incentive plan, the amount described in this §
1.7(b) shall (subject to §  1.7(b)(2)) be the greater of (i)
Executive's target annual bonus under the MIP or such
alternative, functional incentive plan for the calendar year in which
Executive's employment with SunTrust or a SunTrust Affiliate
terminates under the circumstances described in §  3(a) or
§  3(f) or (ii) the greater of (A) the average of the annual
bonus which was paid to Executive (or, if greater, 

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which would have been paid to Executive but
for any bonus deferral election) for the 3 full calendar years in which
Executive has participated in the MIP or such alternative, functional
incentive plan (or, if less, the number of full calendar years in which
Executive has participated in the MIP or such alternative, functional
incentive plan) which immediately precedes the calendar year in which
Executive's employment so terminates or, if Executive was not
eligible to participate in the MIP or in an alternative, functional
incentive plan in the calendar year which immediately precedes the
calendar year in which Executive's employment so terminates, (B)
the last annual bonus which was paid to Executive (or, if greater,
which would have been paid to Executive but for any bonus deferral
election).

(2)    Exceptions to General
Rule.    

(a)    No MIP.    If Executive
participates in an alternative, functional incentive plan but not in
the MIP, the amount described in this §  1.7(b) shall not
exceed the amount which would have been described in §
1.7(b)(1) if Executive instead had been a participant in the MIP.

(b)    Determination Rules.    SunTrust shall
determine the amount which would have been described in §
1.7(b)(1) if Executive had been a participant in the MIP based on the
target bonus or, if greater, the projected bonus for a MIP participant,
or for a class of such participants, whose duties, responsibilities and
compensation match, or most closely match, Executive's duties,
responsibilities and compensation before Executive's employment
terminated.

1.8    Disability Termination.    The term
"Disability Termination" for purposes of this
Agreement shall mean a termination of Executive's employment on
or after the date Executive has a right immediately upon such
termination to receive disability income benefits under
SunTrust's long term disability plan or any successor to or
replacement for such plan.

1.9    Exchange Act.    The term
"Exchange Act" for purposes of this Agreement
shall mean the Securities Exchange Act of 1934, as amended.

1.10    Good Reason.     The term "Good
Reason" for purposes of this Agreement shall (subject to
§  1.10(e)) mean:

(a)    SunTrust
or any SunTrust Affiliate after a Change in Control but before the end
of Executive's Protection Period reduces Executive's base
salary or opportunity to receive comparable incentive compensation or
bonuses without Executive's express written consent;

(b)    SunTrust or any SunTrust Affiliate after a
Change in Control but before the end of Executive's Protection
Period reduces the scope of Executive's principal or primary
duties, responsibilities or authority without Executive's express
written consent;

(c)    SunTrust or any
SunTrust Affiliate at any time after a Change in Control but before the
end of Executive's Protection Period (without Executive's
express written consent) transfers Executive's primary work site
from Executive's primary work site on the date of such Change in
Control or, if Executive subsequently consents in writing to such a
transfer under this Agreement, from the primary work site which was the
subject of such consent, to a new primary work site which is outside
the "standard metropolitan statistical area"
which then includes Executive's then current primary work site
unless such new primary work site is closer to Executive's
primary residence than Executive's then current primary work
site; or

(d)    SunTrust or any SunTrust
Affiliate after a Change in Control but before the end of
Executive's Protection Period fails (without Executive's
express written consent) to continue to provide to Executive health and
welfare benefits, deferred compensation and retirement benefits, stock
option and restricted stock grants that are in the aggregate comparable
to those provided to Executive immediately prior to the Change in
Control; provided, however,

(e)    No such act
or omission shall be treated as "Good Reason"
under this Agreement unless

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(i)(A)    Executive
delivers to the Compensation Committee a detailed, written statement of
the basis for Executive's belief that such act or omission
constitutes Good Reason, (B) Executive delivers such statement before
the later of (1) the end of the ninety (90) day period which starts on
the date there is an act or omission which forms the basis for
Executive's belief that Good Reason exists or (2) the end of the
period mutually agreed upon for purposes of this §
1.10(e)(i)(B) in writing by Executive and the Chairman of the
Compensation Committee, (C) Executive gives the Compensation Committee
a thirty (30) day period after the delivery of such statement to cure
the basis for such belief and (D) Executive actually submits
Executive's written resignation to the Compensation Committee
during the sixty (60) day period which begins immediately after the end
of such thirty (30) day period if Executive reasonably and in good
faith determines that Good Reason continues to exist after the end of
such thirty (30) day period, or

(ii)    SunTrust states in writing to Executive
that Executive has the right to treat such act or omission as Good
Reason under this Agreement and Executive resigns during the sixty (60)
day period which starts on the date such statement is actually
delivered to Executive;

(f)    If (i)
Executive gives the Compensation Committee the statement described in
§  1.10(e)(i) before the end of the thirty (30) day period
which immediately follows the end of the Protection Period and
Executive thereafter resigns within the period described in
§  1.10(e)(i) or (ii) SunTrust provides the statement to
Executive described in §  1.10(e)(ii) before the end of the
thirty (30) day period which immediately follows the end of the
Protection Period and Executive thereafter resigns within the period
described in §  1.10(e)(ii), then (iii) such resignation
shall be treated under this Agreement as if made in Executive's
Protection Period; and

(g)    If Executive
consents in writing to any reduction described in §  1.10(a)
or §  1.10(b), to any transfer described in §
1.10(c) or to any failure described in §  1.10(d) in lieu of
exercising Executive's right to resign for Good Reason and
delivers such consent to SunTrust, the date such consent is delivered
to SunTrust thereafter shall be treated under this definition as the
date of a Change in Control for purposes of determining whether
Executive subsequently has Good Reason under this Agreement to resign
under §  3(a) or §  3(f) as a result of any
subsequent reduction described in §  1.10(a) or
§  1.10(b), any subsequent transfer described in
§  1.10(c) or any subsequent failure described in
§  1.10(d).

1.11    Gross Up Payment.    The term
"Gross Up Payment" for purposes of this
Agreement shall mean a payment to or on behalf of Executive which shall
be sufficient to pay (i) any excise tax described in §  9 in
full, (ii)  any federal, state and local income tax and social
security and other employment tax on the payment made to pay such
excise tax as well as any additional taxes on such payment and (iii)
any interest or penalties assessed by the Internal Revenue Service on
Executive which are related to the payment of such excise tax unless
such interest or penalties are attributable to Executive's
willful misconduct or negligence.

1.12    MIP.    The term
"MIP" for purposes of this Agreement shall
mean the SunTrust Banks, Inc. Management Incentive Plan or, if there is
any material change in the terms, operation or administration of such
plan following a Change in Control, any successor to such plan in which
Executive is eligible to participate and which provides an opportunity
for a bonus for Executive which is comparable to the opportunity which
Executive had under such plan before such Change in Control or, if
Executive reasonably determines that there is no such plan in which
Executive is eligible to participate but SunTrust or a parent
corporation maintains a short term bonus plan for the benefit of senior
executives which provides for such an opportunity, such other plan as
agreed to by Executive and the Compensation Committee.

1.13    Protection Period.    The term "Protection
Period" for purposes of this Agreement shall (subject to
§  1.10(f)) mean the two (2) year period which begins on a
Change in Control.

1.14    PUP.    The term
"PUP" for purposes of this Agreement shall
mean the SunTrust Banks, Inc. Performance Unit Plan or, if there is any
material change in the terms, operation or administration of such plan
following a Change in Control, any successor to such plan in which

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Executive is eligible to participate and which
provides an opportunity for a bonus for Executive which is comparable
to the opportunity which Executive had under such plan before such
Change in Control or, if Executive reasonably determines that there is
no such plan in which Executive is eligible to participate but SunTrust
or a parent corporation maintains a long term bonus plan for the
benefit of senior executives which provides for such an opportunity,
such other plan as agreed to by Executive and the Compensation
Committee.

1.15    Restricted Period.    The term
"Restricted Period" for purposes of this
Agreement shall mean the period which starts on the date
Executive's employment by SunTrust or a SunTrust Affiliate
terminates under circumstances which require SunTrust to make the
payments and provide the benefits described in § 3 and which ends
on the earlier of (a)(i) the first anniversary of such termination date
for purposes of § 5 and (ii) the second anniversary of such
termination date for all other purposes under this Agreement, or (b) on
the first date following such a termination on which SunTrust either
breaches any obligation to Executive under §  3 or no longer
has any obligation to Executive under §  3.

1.16    SunTrust.    The term
"SunTrust" for purposes of this Agreement
shall mean SunTrust Banks, Inc. and any successor to SunTrust.

1.17    SunTrust Affiliate.    The term "SunTrust
Affiliate" for purposes of this Agreement shall mean any
corporation which is a subsidiary corporation (within the meaning of
§ 424(f) of the Code) of SunTrust except a corporation which has
subsidiary corporation status under § 424(f) of the Code
exclusively as a result of SunTrust or a SunTrust Affiliate holding
stock in such corporation as a fiduciary with respect to any trust,
estate, conservatorship, guardianship or agency.

1.18    Term.    The term "Term" for
purposes of this Agreement shall mean the period described in
§  2(b).

1.19    Trade Secret.    The term
"Trade Secret" for purposes of this Agreement
shall mean information, including, but not limited to, technical or
nontechnical data, a formula, a pattern, a compilation, a program, a
device, a method, a technique, a drawing, a process, financial data,
financial plans, product plans, or a list of actual or potential
customers or suppliers that:

(a)    derives
economic value, actual or potential, from not being generally known to,
and not being readily ascertainable by proper means by, other persons
who can obtain economic value from its disclosure or use, and

(b)    is the subject of reasonable efforts by
SunTrust or a SunTrust Affiliate to maintain its secrecy.

§ 2.

Effective Date and
Term

(a)    Effective Date.    This
Agreement shall be effective on the date of this Agreement as set forth
in the signature section of this Agreement.

(b)    Term.    

(1)    The Term of this Agreement shall be the
period which starts on the date on which this Agreement becomes
effective under §  2(a) and ends (subject to §
2(b)(2) and §  2(b)(3)) on the third anniversary of such
effective date.

(2)    The Term of this
Agreement shall automatically be extended for one additional year
effective as of the first anniversary of the date on which this
Agreement becomes effective under §  2(a) and one additional
year effective as of each such anniversary date thereafter unless
either Executive or SunTrust delivers to the other person notice to the
effect that there will be no such one year extension before the
beginning of the 90 day period which ends on the anniversary date on
which such automatic one year extension otherwise would have been
effective.

(3)   (A) If Executive's
Protection Period starts before the Term of this Agreement (as
extended, if applicable, under §  2(b)(2)) expires, the then
Term of this Agreement shall automatically be extended until the
expiration of such Protection Period.

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(B)    If
Executive's employment terminates during Executive's
Protection Period under the circumstances described in §
3(a) or if Executive's employment terminates under the
circumstances described in §  3(f) before the Term of this
Agreement (as extended, if applicable, under §  2(b)(2))
expires, the then Term of this Agreement shall automatically be
extended until the earlier of (1) the date Executive agrees that all
SunTrust's obligations to Executive under this Agreement have
been satisfied in full or (B) the date a final determination is made
pursuant to §  8 that SunTrust has no further obligations to
Executive under this Agreement.

§ 3.

Compensation and Benefits

(a)    General.    If a Change in Control occurs
during the Term of this Agreement and

(1)    SunTrust or a SunTrust Affiliate terminates
Executive's employment without Cause during Executive's
Protection Period or

(2)    Executive resigns
for Good Reason during Executive's Protection Period, then:

(A)    Cash Payment.     SunTrust shall pay
Executive two (2) times Executive's Current Compensation Package
in cash in a lump sum within 30 days after the date Executive's
employment so terminates.

(B)    Stock
Options.     Each outstanding stock option granted to Executive by
SunTrust shall immediately become fully vested and exercisable on the
date Executive's employment so terminates and Executive shall be
deemed to continue to be employed by SunTrust for the period described
in §  3(d) for purposes of determining when
Executive's right to exercise each such option expires
notwithstanding the terms of any plan or agreement under which such
option was granted.

(C)    Restricted
Stock.     Any restrictions on any outstanding restricted or
performance stock grants to Executive by SunTrust shall immediately
expire and Executive's right to such stock shall be
non-forfeitable notwithstanding the terms of any plan or agreement
under which such grants were made.

(D)    Earned but Unpaid Salary, Bonus and
Vacation.     SunTrust shall promptly pay Executive any earned but
unpaid base salary and bonus, shall promptly pay Executive for any
earned but untaken vacation and shall promptly reimburse Executive for
any incurred but unreimbursed expenses which are otherwise reimbursable
under SunTrust's expense reimbursement policy as in effect for
senior executives immediately before Executive's employment so
terminates.

(E)    MIP or MIP
Alternative.    

(1)    General Rule.    
If Executive participates in the MIP or in an alternative, functional
incentive plan, SunTrust shall (subject to the exception to this
general rule set forth in §  3(a)(2)(E)(2)) pay Executive
within 30 days after Executive's employment terminates a portion
of Executive's target bonus or, if greater, Executive's
projected bonus under the MIP or such alternative, functional incentive
plan for the calendar year in which Executive's employment
terminates, where (a) Executive's projected bonus shall be no
less than the bonus which would have been projected under the
projection procedures in effect under the MIP or such alternative,
functional incentive plan on the date of the Change in Control and (b)
such portion shall be determined by multiplying such target bonus or,
if greater, such projected bonus by a fraction, the numerator of which
shall be the number of days Executive is employed in such calendar year
and the denominator of which shall be the number of days in such
calendar year.

(2)    Exceptions to General
Rule.    

(a)    No MIP.     If Executive
participates in an alternative, functional incentive plan and in the
PUP but not in the MIP, the payment made to Executive under

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§  3(a)(2)(E)(1) shall not exceed
the payment which would have been made to Executive if Executive
instead had been a participant in the MIP.

(b)    No MIP and No PUP.     If Executive
participates in an alternative, functional incentive plan but does not
participate in either the MIP or the PUP, the payment made to Executive
under §  3(a)(2)(E)(1) shall not exceed the payment which
would have been made to Executive if Executive instead had been a
participant in the MIP and in the PUP.

(c)    Determination Rules.     SunTrust shall
determine the payment which would have been made to Executive under
§  3(a)(E)(1) if Executive had been a participant in the MIP
and, if applicable, under §  3(a)(F) if Executive had been a
participant in the PUP based on the target bonus or, if greater, the
projected bonus for a MIP participant and the target bonus or, if
greater, the projected bonus for PUP participant, or for a class of
such participants, whose duties, responsibilities and compensation
match, or most closely match, Executive's duties,
responsibilities and compensation before a Change in Control.

(F)    PUP.     If Executive participates in the
PUP, SunTrust shall pay Executive within 30 days after
Executive's employment terminates a portion of Executive's
target bonus or, if greater, Executive's projected bonus under
the PUP for each performance cycle in effect on the date
Executive's employment terminates, where (1) Executive's
projected bonus shall be no less than the bonus which would have been
projected under the projection procedures in effect under the PUP on
the date of the Change in Control and (2) such portion shall be
determined by multiplying such target bonus or, if greater, such
projected bonus by a fraction, the numerator of which shall be the
number of days Executive is employed in each such performance cycle and
the denominator of which shall be the number of days in each such
performance cycle.

(b)    Continuing Benefit
Coverage.    If Executive's employment terminates under the
circumstances described in §  3(a) or §  3(f),
SunTrust or a SunTrust Affiliate from the date of such termination of
Executive's employment until the end of Executive's
Protection Period shall provide to Executive medical, dental and life
insurance benefits which are similar in all material respects as those
benefits provided under SunTrust's employee benefit plans,
policies and programs to senior executives of SunTrust who have not
terminated their employment. If SunTrust cannot provide such benefits
under SunTrust's employee benefit plans, policies and programs,
SunTrust either shall provide such benefits to Executive outside such
plans, policies and programs at no additional expense or tax liability
to Executive or shall reimburse Executive for Executive's cost to
purchase such benefits and for any tax liability for such
reimbursements.

(c)    No Interference with
Vested Benefits.    If Executive's employment terminates under
the circumstances described in §  3(a) or §
3(f), Executive shall have a right to any benefits under any employee
benefit plan, policy or program maintained by SunTrust or any SunTrust
Affiliate (other than the MIP, the PUP and the SunTrust Severance Pay
Plan) which Executive had a right to receive under the terms of such
employee benefit plan, policy or program after a termination of
Executive's employment without regard to this Agreement.

(d)    Additional Age and Service Credit.    If
Executive's employment terminates under the circumstances
described in §  3(a) or §  3(f), Executive shall
be deemed to have been employed by SunTrust throughout
Executive's Protection Period for purposes of computing
Executive's age and service credit on the date Executive's
employment so terminates under any deferred compensation or welfare
plan, policy or program (except a plan described in §  401
of the Code) maintained by SunTrust or a SunTrust Affiliate in which
Executive is a participant and under which Executive's benefit,
or eligibility for a benefit, is based in whole or in part on
Executive's age or service or age and service, and Executive
shall receive such age and service credit notwithstanding the terms of
any such plan, policy or program.

(e)    No
Increase in Other Benefits; No Other Severance Pay.    If
Executive's employment terminates under the circumstances
described in §  3(a) or §  3(f), Executive waives
Executive's 

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right, if any, to have any payment made under
this §  3 taken into account to increase the benefits
otherwise payable to, or on behalf of, Executive under any employee
benefit plan, policy or program, whether qualified or nonqualified,
maintained by SunTrust or a SunTrust Affiliate and, further, waives
Executive's right, if any, to the payment of severance pay and
severance benefits under any severance pay plan, policy or program
maintained by SunTrust or a SunTrust Affiliate or under any individual
severance agreement or employment agreement, subject to the condition
that SunTrust not be relieved of any of its obligations to Executive
under this §  3 pursuant to §  3(g) or
§  3(h).

(f)    Termination in
Anticipation of Change in Control.    Executive shall be treated
under §  3(a) as if Executive's employment had been
terminated without Cause or Executive had resigned for Good Reason
during Executive's Protection Period if (1)(A) Executive's
employment is terminated by SunTrust or a SunTrust Affiliate without
Cause on or after the date the shareholders of SunTrust approve any
transaction described in §1.3(iii) or §1.3(iv) but before the
Change in Control which results from such approval or (B) Executive
resigns for Good Reason on or after the date the shareholders of
SunTrust approve any transaction described in §1.3(iii) or
§1.3(iv) but before the Change in Control which results from such
approval, (2) such shareholder approval occurs on or after the date
this Agreement becomes effective under §  2 and (3) there is
a Change in Control which results from such shareholder approval.

(g)    Death or Disability.    Executive agrees
that SunTrust will have no obligations to Executive under this
§  3 if Executive's employment terminates exclusively
as a result of Executive's death or Executive has a Disability
Termination.

(h)    Release.    Executive
agrees that SunTrust will have no obligations to Executive under this
§  3 until Executive executes the form of release which is
attached as Exhibit A to this Agreement and, further, will have no
further obligations to Executive under this §  3 if
Executive revokes such release.

§  4.

No Solicitation of Customers or Clients

Executive
shall not during the Restricted Period solicit any customer or client
of SunTrust or any SunTrust Affiliate with whom Executive had any
material business contact during the two (2) year period which ends on
the date Executive's employment by SunTrust or a SunTrust
Affiliate terminates for the purpose of competing with SunTrust or any
SunTrust Affiliate for any reason, either individually, or as an owner,
partner, employee, agent, consultant, advisor, contractor, salesman,
stockholder, investor, officer or director of, or service provider to,
any corporation, partnership, venture or other business entity.

§ 5.

Antipirating of Employees

Absent the Compensation Committee's written consent, Executive
will not during the Restricted Period solicit to employ on
Executive's own behalf or on behalf of any other person, firm or
corporation, any person who was employed by SunTrust or a SunTrust
Affiliate during the term of Executive's employment by SunTrust
or a SunTrust Affiliate (whether or not such employee would commit a
breach of contract), and who has not ceased to be employed by SunTrust
or a SunTrust Affiliate for a period of at least one (1) year.

§ 6.

Trade Secrets and Confidential
Information

Executive hereby agrees that Executive will hold in
a fiduciary capacity for the benefit of SunTrust and each SunTrust
Affiliate, and will not directly or indirectly use or disclose, any
Trade 

8

Secret that Executive may have acquired during
the term of Executive's employment by SunTrust or a SunTrust
Affiliate for so long as such information remains a Trade Secret.

Executive in addition agrees that during the Restricted Period
Executive will hold in a fiduciary capacity for the benefit of SunTrust
and each SunTrust Affiliate, and will not directly or indirectly use or
disclose, any Confidential or Proprietary Information that Executive
may have acquired (whether or not developed or compiled by Executive
and whether or not Executive was authorized to have access to such
information) during the term of, in the course of, or as a result of
Executive's employment by SunTrust or a SunTrust Affiliate.

§ 7.

Reasonable and Necessary
Restrictions and Non-Disparagement

Executive acknowledges that
the restrictions, prohibitions and other provisions set forth in this
Agreement, including without limitation the Restricted Period, are
reasonable, fair and equitable in scope, terms and duration; are
necessary to protect the legitimate business interests of SunTrust; and
are a material inducement to SunTrust to enter into this Agreement.
Executive covenants that Executive will not challenge the
enforceability of this Agreement nor will Executive raise any equitable
defense to its enforcement. Further, Executive and SunTrust each agree
not to knowingly make false or materially misleading statements or
disparaging comments about the other during the Restricted Period.

§ 8.

Arbitration

Any dispute,
controversy or claim arising out of or relating to this Agreement shall
be determined by binding arbitration in accordance with Title 9 of the
United States Code and the applicable set of arbitration rules of the
American Arbitration Association. Judgment upon any award made in such
arbitration may be entered and enforced in any court of competent
jurisdiction. All statutes of limitation which would otherwise be
applicable in a judicial action brought by a party shall apply to any
arbitration or reference proceeding hereunder. Neither SunTrust nor
Executive shall appeal such award to or seek review, modification, or
vacation of such award in any court or regulatory agency. Unless
otherwise agreed, venue for arbitration shall be in Atlanta, Georgia.
All of Executive's reasonable costs and expenses incurred in
connection with such arbitration shall be paid in full by SunTrust
promptly on written demand from Executive, including the
arbitrators' fees, administrative fees, travel expenses,
out-of-pocket expenses such as copying and telephone, court costs,
witness fees and attorneys' fees; provided, however, SunTrust
shall pay no more than $30,000 in attorneys' fees unless a higher
figure is awarded in the arbitration, in which event SunTrust shall pay
the figure awarded in the arbitration.

§ 9.

Tax Protection

If SunTrust or SunTrust's
independent accountants determine that any payments and benefits called
for under this Agreement together with any other payments and benefits
made available to Executive by SunTrust or a SunTrust Affiliate will
result in Executive being subject to an excise tax under §
4999 of the Code or if such an excise tax is assessed against Executive
as a result of any such payments and other benefits, SunTrust shall
make a Gross Up Payment to or on behalf of Executive as and when any
such determination or assessment is made, provided Executive takes such
action (other than waiving Executive's right to any payments or
benefits) as SunTrust reasonably requests under the circumstances to
mitigate or challenge such tax. Any determination under this
§  9 by SunTrust or SunTrust's independent accountants
shall be made in accordance with §  280G of the Code and any
applicable related regulations (whether proposed, temporary or final)
and any related Internal 

9

Revenue Service rulings and any related case
law and, if SunTrust reasonably requests that Executive take action to
mitigate or challenge, or to mitigate and challenge, any such tax or
assessment (other than waiving Executive's right to any payment
or benefit) and Executive complies with such request, SunTrust shall
provide Executive with such information and such expert advice and
assistance from SunTrust's independent accountants, lawyers and
other advisors as Executive may reasonably request and shall pay for
all expenses incurred in effecting such compliance and any related
fines, penalties, interest and other assessments.

§
10.

Miscellaneous Provisions

10.1    Assignment.    This Agreement is for the personal
services of Executive, and the rights and obligations of Executive
under this Agreement are not assignable in whole or in part by
Executive without the prior written consent of SunTrust. This Agreement
is assignable in whole or in part to any successor to SunTrust.
However, if SunTrust as part of any Change in Control transaction fails
to assign SunTrust's obligations under this Agreement to
SunTrust's successor or such successor fails to expressly agree
to such assignment on or before the Change in Control, SunTrust on the
Change in Control shall (without any further action on the part of
Executive) take the action called for in § 3 of this Agreement as
if Executive had been terminated without Cause without regard to
whether Executive's employment actually has terminated.

10.2    Governing Law.    This Agreement will be governed by and
construed under the laws of the State of Georgia (without reference to
the choice of law principles thereof), except to the extent superseded
by federal law.

10.3    Counterparts.    This Agreement may
be executed in counterparts, each of which will be deemed an original,
but all of which together will constitute one and the same
instrument.

10.4    Headings; References.    The headings
and captions used in this Agreement are used for convenience only and
are not to be considered in construing or interpreting this Agreement.
Any reference to a section (§) shall be to a section (§) of
this Agreement unless there is an express reference to a section
(§) of the Code or the Exchange Act, in which event the reference
shall be to the Code or to the Exchange Act, whichever is
applicable.

10.5    Amendments and Waivers.    Except as
otherwise specified in this Agreement, this Agreement may be amended,
and the observance of any term of this Agreement may be waived (either
generally or in a particular instance and either retroactively or
prospectively), only with the written consent of SunTrust and
Executive.

10.6    Severability.    Any provision of this
Agreement held to be unenforceable under applicable law will be
enforced to the maximum extent possible, and the balance of this
Agreement will remain in full force and effect.

10.7    Entire
Agreement.    This Agreement constitutes the entire understanding and
agreement of SunTrust and Executive with respect to the matters
contemplated in this Agreement, and supersedes all prior understandings
and agreements between SunTrust and Executive with respect to such
transactions.

10.8    Notices.    Any notice required
hereunder to be given by either SunTrust or Executive will be in
writing and will be deemed effectively given upon personal delivery to
the party to be notified or five (5) days after deposit with the United
States Post Office by registered or certified mail, postage prepaid, to
the other party at the address set forth below or to such other address
as either party may from time to time designate by ten (10) days
advance written notice pursuant to this § 10.8. All such written
communication will be directed as follows:

If to
SunTrust:

SunTrust Banks, Inc.
 Attention:
Chief Executive Officer
 303 Peachtree St., NE, 30th
Floor
 Atlanta, GA 30308

10

If to Executive, to the most recent
address Executive has provided to SunTrust for inclusion in
Executive's personnel records.

10.9    Binding
Effect.    This Agreement shall be for the benefit of, and shall be
binding upon, SunTrust and Executive and their respective heirs,
personal representatives, legal representatives, successors and
assigns, subject, however, to the provisions in §  10.1 of
this Agreement.

10.10    Not an Employment Contract.    This
Agreement is not an employment contract and shall not give Executive
the right to continue in employment by SunTrust or a SunTrust Affiliate
for any period of time or from time to time. Moreover, this Agreement
shall not adversely affect the right of SunTrust or a SunTrust
Affiliate to terminate Executive's employment with or without
cause at any time.

10.11    Code §409A.    If Executive
is a "specified employee" (as defined in
§409A(a)(2)(B)(ii) of the Code) and the delivery of any payment or
benefit called for under this Agreement would subject Executive to any
tax under §409A of the Code, SunTrust shall delay such delivery
until the first date on which delivery can be made without subjecting
Executive to any such tax; provided, however, if a cash payment is
delayed pursuant to this §10.11, SunTrust shall pay Executive
interest on such cash payment at the "prime
rate" as reported in The Wall Street Journal on the
date Executive's employment terminates or, if such rate is not
reported on such date, such rate as so reported on the last business
day before Executive's employment terminates.

IN
WITNESS WHEREOF, SunTrust and Executive have entered into this
Agreement this        day of
                        ,
20    , and such date shall be the date of this
Agreement.

											
	SUNTRUST BANKS,
INC.		EXECUTIVE		 
	 		 		 
	By:                                                                   		                                                                    		 
	 		 		 
	Title:		 		 
	

11exv10w27

 

CONSENT AND AMENDMENT NO. 2 TO

AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT

          THIS CONSENT AND AMENDMENT NO. 2 TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT
(“Amendment”) is dated as of December 30, 2005 and is by and among BANK OF AMERICA, N.A, successor
to FLEET CAPITAL CORPORATION, a Rhode Island corporation, and the other parties identified as
Lenders on the signature pages hereto (collectively, “Lenders”), on the one hand, and WABASH
NATIONAL CORPORATION, a Delaware corporation (“Wabash”), WABASH NATIONAL, L.P., a Delaware limited
partnership (“WNLP”), WNC CLOUD MERGER SUB, INC., an Arkansas corporation (“WNC Cloud”), and FTSI
DISTRIBUTION COMPANY, L.P., a Delaware limited partnership (“FTSI” and collectively with Wabash,
WNLP and WNC Cloud, “Borrowers”), on the other hand. Capitalized terms used herein but not
otherwise defined herein shall have the respective meanings assigned to such terms in the Loan
Agreement referred to herein below.

W I T N E S S E T H:

          WHEREAS, Lenders and Borrowers are parties to an Amended and Restated Loan and Security
Agreement, dated as of December 30, 2004 (as the same has been and may be amended, or modified from
time to time, the “Loan Agreement”), pursuant to which the Lenders have agreed to make certain
loans and other financial accommodations to or for the account of Borrower;

          WHEREAS, Wabash desires to acquire all of the capital stock of Transcraft Corporation, a
Delaware corporation (“Target”), on or before February 15, 2006 on terms substantially similar to
those set forth in that certain Letter of Intent, dated December 7, 2005, between Wabash and Target
(the “Acquisition”); such Acquisition does not qualify as a Permitted Acquisition under the Loan
Agreement and consummation thereof would be a Default under Section 8.2.1 of the Loan Agreement and
an Event of Default under Section 10.1.3 of the Loan Agreement absent prior written consent from
the Majority Lenders;

          WHEREAS, the Borrowers desire to transfer certain Property from WNTC to FTSI (the
“Intercompany Asset Transfer”); consummation of such transfer would be a Default under Section
8.2.9 and an Event of Default under Section 10.1.3 of the Loan Agreement absent prior written
consent from the Majority Lenders;

          WHEREAS, Borrowers have requested that the Majority Lenders consent to each of the Acquisition
and the Intercompany Asset Transfer on the terms and subject to the conditions hereinafter set
forth;

          WHEREAS, Borrowers have requested that the Majority Lenders amend the Loan Agreement in
certain respects; and

          WHEREAS, the Majority Lenders have agreed to amend the Loan Agreement on the terms and subject
to the conditions hereinafter set forth;

 

 

          NOW, THEREFORE, in consideration of the premises set forth above, the terms and conditions
contained herein, and other good and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, the respective parties hereto hereby agree as follows:

          1. Consent. Subject to the satisfaction of the conditions set forth in Section 4
below, the Majority Lenders hereby consent to:

          (a) the consummation by Wabash of the Acquisition; provided that (i) the Acquisition
complies with all provisions of the definition of the term Permitted Acquisition contained
in Appendix A to the Loan Agreement, other than clauses (f), (h) and (j) of such definition, (ii)
the total consideration (including cash, notes and other debt, maximum earnouts, consulting and
non-compete payments and the like) for the Acquisition shall not exceed $75,500,000 and (iii) the
Borrowers satisfy the following conditions subsequent within 3 Business Days after the closing of
the Acquisition:

	 	(1)	 	the Borrowers shall satisfy subsection 8.1.8 of the Loan
Agreement with respect to the Target;
	 
	 	(2)	 	the Borrowers shall deliver to Agent consents in favor of Agent
to the collateral assignment of rights and indemnities under the documents
related to the Acquisition; and
	 
	 	(3)	 	the Borrowers shall deliver to Agent updates to the Exhibits to
the Loan Agreement reflecting the consummation of the Acquisition.

          (b) the Intercompany Asset Transfer; provided that such transfer occurs on or prior to
December 31, 2005.

This is a limited consent and shall not be deemed to constitute a waiver of, or consent to, any
other existing or future breach of the Loan Agreement.

          2. Amendment. Subject to the satisfaction of the conditions set forth in Section 4
below, and in reliance upon the representations and warranties of Borrowers set forth in Section 5
below, the definition of the term EBITDA contained in Exhibit 8.3 to the Loan Agreement is
hereby amended and restated in its entirety as set forth below:

     EBITDA – with respect to any period, the sum of net earnings (or loss)
before Interest Expense, income taxes, depreciation, amortization and other non-cash
charges (including (i) gains and losses from currency fluctuations, (ii) impairment
charges relating to fixed assets or intangibles and (iii) expenses relating to stock
options and restricted stock grants for such period but excluding any extraordinary
gains for such period), all as determined for Wabash and its Subsidiaries on a
Consolidated basis and in accordance with GAAP.

-2-

 

          3. Scope of Amendment. Subject to the satisfaction of the conditions set forth in
Section 4 below and in reliance upon the representations and warranties of Borrowers set forth
herein, this Amendment shall have the effect of amending the Loan Agreement as appropriate to
express the agreements contained herein. In all other respects, the Loan Agreement and the other
Loan Documents shall remain in full force and effect in accordance with their respective terms.

          4. Conditions to Effectiveness. The effectiveness of this Amendment and the
amendments contained herein are subject to the satisfaction of the following conditions precedent
or concurrent:

          (a) Agent shall have received a copy of this Amendment executed by Borrowers and the Majority
Lenders, together with a reaffirmation of Guaranty Agreement executed by each Guarantor; and

          (b) No Default or Event of Default shall be in existence.

          5. Representations and Warranties. To induce Lenders to execute and deliver this
Amendment, Borrowers hereby represent and warrant to Lenders that, after giving effect to this
Amendment:

          (a) All representations and warranties contained in the Loan Agreement and the other Loan
Documents are true and correct in all material respects on and as of the date of this Amendment, in
each case as if then made, other than representations and warranties that expressly relate solely
to an earlier date (in which case such representations and warranties remain true and accurate on
and as of such earlier date);

          (b) No Default or Event of Default has occurred which is continuing;

          (c) This Amendment, and the Loan Agreement, as amended hereby, constitute legal, valid and
binding obligations of Borrowers and are enforceable against Borrowers in accordance with their
respective terms; and

          (d) The execution and delivery by Borrowers of this Amendment does not require the consent or
approval of any Person, except such consents and approvals as have been obtained.

          6. Governing Law. THE VALIDITY, INTERPRETATION AND ENFORCEMENT OF THIS AMENDMENT
SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE INTERNAL LAWS AND DECISIONS OF THE
STATE OF ILLINOIS, WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES.

          7. Headings. Section headings in this Amendment are included herein for convenience
of reference only and shall not constitute a part of this Amendment for any other purpose.

-3-

 

          8. Counterparts. This Amendment may be executed in any number of counterparts and by
the different parties hereto in separate counterparts, each of which when so executed and delivered
shall be an original, but all of which shall together constitute one and the same instrument. Any
such counterpart which may be delivered by facsimile transmission or electronic mail shall be
deemed the equivalent of an originally signed counterpart and shall be fully admissible in any
enforcement proceedings regarding this Amendment.

[Signature pages to follow]

-4-

 

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed and
delivered by their proper and duly authorized officers as of the date first set forth above.

	 	 	 	 	 	 	 
	 	 	LENDERS:	 	 
	 
	 	 	 	 	 	 
	 	 	BANK OF AMERICA, N.A, successor to	 	 
	 	 	      FLEET CAPITAL CORPORATION,	 	 
	 	 	      as Agent and as a Lender	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	Title:
	 	 

	 	 
	 

	 	 	 	 

	 	 

Signature Page to Consent and Amendment No. 2 to Amended and Restated Loan and Security Agreement

 

 

	 	 	 	 	 	 	 
	 	 	NATIONAL CITY BUSINESS CREDIT, INC.,	 	 
	 	 	     as Syndication Agent and as a Lender	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	Title:
	 	 

	 	 
	 

	 	 	 	 

	 	 

Signature Page to Consent and Amendment No. 2 to Amended and Restated Loan and Security Agreement

 

 

	 	 	 	 	 	 	 
	 	 	GENERAL ELECTRIC	 	 
	 	 	      CAPITAL CORPORATION, as a Documentation Agent and as a Lender	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	Title:
	 	 

	 	 
	 

	 	 	 	 

	 	 

Signature Page to Consent and Amendment No. 2 to Amended and Restated Loan and Security Agreement

 

 

	 	 	 	 	 	 	 
	 	 	WACHOVIA BANK,	 	 
	 	 	      NATIONAL ASSOCIATION, as a	 	 
	 	 	      Documentation Agent and as a Lender	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	Title:
	 	 

	 	 
	 

	 	 	 	 

	 	 

Signature Page to Consent and Amendment No. 2 to Amended and Restated Loan and Security Agreement

 

 

	 	 	 	 	 	 	 
	 	 	FIFTH THIRD BANK (CENTRAL INDIANA),	 	 
	 	 	      as a Lender	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	Title:
	 	 

	 	 
	 

	 	 	 	 

	 	 

Signature Page to Consent and Amendment No. 2 to Amended and Restated Loan and Security Agreement

 

 

	 	 	 	 	 	 	 
	 	 	LASALLE BANK NATIONAL ASSOCIATION,

  as a Lender	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 

Signature Page to Consent and Amendment No. 2 to Amended and Restated Loan and Security Agreement

 

 

	 	 	 	 	 	 	 
	 	 	WELLS FARGO BANK,

  NATIONAL ASSOCIATION, as a Lender	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 

Signature Page to Consent and Amendment No. 2 to Amended and Restated Loan and Security Agreement

 

 

	 	 	 	 	 	 	 
	 	 	BORROWERS:	 	 
	 
	 	 	 	 	 	 
	 	 	WABASH NATIONAL CORPORATION	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 	 	WABASH NATIONAL, L.P.	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 	 	WNC CLOUD MERGER SUB, INC.	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 	 	FTSI DISTRIBUTION COMPANY, L.P.	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 

Signature Page to Consent and Amendment No. 2 to Amended and Restated Loan and Security Agreement

 

 

REAFFIRMATION

     Wabash National Trailer Centers, Inc., a Delaware corporation, Wabash Financing LLC, a
Delaware limited liability company, National Trailer Funding, L.L.C., a Delaware limited liability
company, Apex Trailer Leasing & Rentals, L.P., a Delaware limited partnership, Continental Transit
Corporation, an Indiana corporation, Wabash National Services, L.P., a Delaware limited
partnership, and Cloud Oak Flooring Company, Inc., an Arkansas corporation (each “Guarantor” and
collectively, “Guarantors”), hereby (i) acknowledge receipt of a copy of the foregoing Consent and
Amendment No. 2 to Amended and Restated Loan and Security Agreement (the “Amendment”); (ii)
affirm that nothing contained in the Amendment shall modify in any respect whatsoever any Loan
Document to which any Guarantor is a party; and (iii) reaffirm that such Loan Documents and all
obligations of the Guarantors thereunder shall continue to remain in full force and effect.

     IN WITNESS WHEREOF, Guarantors have executed this Reaffirmation on and as of the date of the
Amendment.

	 	 	 	 	 	 	 
	 	 	WABASH NATIONAL TRAILER CENTERS, INC.	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 	 	WABASH FINANCING LLC	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 	 	NATIONAL TRAILER FUNDING, L.L.C.	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 	 	APEX TRAILER LEASING & RENTALS, L.P.	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 

Signature Page to Consent and Amendment No. 2 to Amended and Restated Loan and Security Agreement

 

 

	 	 	 	 	 	 	 
	 	 	CONTINENTAL TRANSIT CORPORATION	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 	 	WABASH NATIONAL SERVICES, L.P.	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 	 	CLOUD OAK FLOORING COMPANY, INC.	 	 
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	Title:	 	 	 	 
	 

	 	 	 	 	 	 

Signature Page to Consent and Amendment No. 2 to Amended and Restated Loan and Security Agreement

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