Document:

<PAGE>

                                                                    EXHIBIT 10.6

                            NEGATIVE PLEDGE AGREEMENT

         THIS NEGATIVE PLEDGE AGREEMENT, dated this the 16th day of June, 2005,
made by PINNACLE AIRLINES CORP., a Delaware corporation, party of the first part
("Guarantor"), in favor of FIRST TENNESSEE BANK NATIONAL ASSOCIATION, a national
banking association having its principal place of business at 165 Madison
Avenue, Memphis, Tennessee 38103, party of the second part ("Bank").

                                   WITNESSETH:

         WHEREAS, Pinnacle Airlines, Inc., a Georgia corporation and a
wholly-owned subsidiary of the Guarantor, has made application to the Bank for
certain loans and financial accommodations in the maximum principal amount of
Seventeen Million Dollars ($17,000,000.00), to be currently evidenced by a
Seventeen Million Dollar ($17,000,000.00) revolving credit note of even date
herewith and possibly to be evidenced in the future by certain other promissory
notes and standby letters of credit (collectively, the "Note") as described in
that certain Loan Agreement of even date herewith by and among the Borrower, the
Bank, and Pinnacle Airlines Corporation, a Delaware corporation (the "Loan
Agreement"); and

         WHEREAS, the Guarantor has guaranteed such indebtedness of the Borrower
to the Bank; and

         WHEREAS, the Bank is unwilling to make such loans unless Guarantor
further enters into this Agreement with the Banks;

         NOW, THEREFORE, for and in consideration of the premises, and other
good and valuable considerations, the receipt and sufficiency of which are
hereby acknowledged, Guarantor does hereby agree with the Bank as follows:

         1. So long as Borrower is indebted to Bank pursuant to the Note,
Guarantor will not, either directly or indirectly, incur, create, assume, or
permit to exist any mortgage, pledge, security interest, encumbrance, lien, or
charge of any kind upon any of the property (the "Property") owned by Guarantor
and described in EXHIBIT "A," attached hereto and made a part hereof as fully as
if set out verbatim herein.

         2. Guarantor hereby acknowledges to the Bank that the identity of
Guarantor was and continues to be material circumstances upon which the Bank has
relied in connection with, and which constitutes valuable consideration to the
Bank for, the extending to Borrower of the loan evidenced by the Note. Guarantor
therefore covenants and agrees with the Bank that the entire indebtedness
evidenced by the Note shall, at the absolute option of the Bank, be and become
immediately due and payable should the Guarantor, without the prior written
consent of the Bank (which consent may be given or withheld in the sole and
absolute discretion of the Banks), sell, assign, transfer (other than for
purposes of collection of checks and instruments in the ordinary course of
business), convey, lease with option to purchase, enter into a contract for
sale, grant an option to purchase, or further encumber any or all of Guarantor's
interest in the Property, or any portion thereof, or permit the same to be sold,
assigned, transferred, conveyed, contracted for or encumbered.

<PAGE>

         3. Any mortgage, pledge, security interest, or other lien or
encumbrance on the Property granted or created by Guarantor, or any conveyance
or sale of the Property, without the prior written consent of the Bank, shall be
void and of no force and effect.

         4. In the event of a default hereunder, the Bank shall be entitled to
exercise all of their rights and remedies set forth in (a) the Note and (b) the
Loan Agreement.

         5. This Agreement shall be binding upon Guarantor, its successors and
assigns, shall inure to the benefit of the Bank, its successors and assigns, and
shall remain in full force and effect until all indebtednesses, liabilities, and
obligations of Borrower and/or the Guarantor to the Bank evidenced by the Note
and any renewals, modifications or extensions thereof, due or to become due,
absolute or contingent, shall have been fully paid and satisfied.

         6. This Agreement shall be governed by and construed under the laws of
the State of Tennessee.

         7. It is understood and agreed that the Bank may at its option
immediately record this Negative Pledge Agreement, and/or cause evidence thereof
to be filed in such governmental offices as the Bank deems advisable.

                        [SEPARATE SIGNATURE PAGE FOLLOWS]

                                       2
<PAGE>

                                 SIGNATURE PAGE
                                       TO
                            NEGATIVE PLEDGE AGREEMENT
================================================================================

         IN TESTIMONY WHEREOF, the undersigned has caused this Negative Pledge
Agreement to be executed by its duly authorized officers on the day and year
first above written.

                                    "Guarantor"

                                    PINNACLE AIRLINES CORP.

                                    By:
                                       -----------------------------------------
                                    Name:
                                         ---------------------------------------
                                    Title:
                                          --------------------------------------

STATE OF TENNESSEE
COUNTY OF SHELBY

         Before me, ______________________________, a Notary Public in and for
the State and County aforesaid, personally appeared
_________________________________, with whom I am personally acquainted (or
proved to me on the basis of satisfactory evidence), and who, upon oath,
acknowledged himself (or herself) to be the ______________________ of PINNACLE
AIRLINES CORP., the within-named bargainor, a corporation, and that _he as such
________________________, being duly authorized so to do, executed the foregoing
instrument for the purposes therein contained, by signing the name of the
corporation by ___self as such ____________________.

         WITNESS my hand and seal at office, on this the ____ day of June, 2005.

                                             -----------------------------------
                                             Notary Public

My Commission Expires:

----------------------

                                       S-1
<PAGE>

                                   EXHIBIT "A"
                                       TO
                            NEGATIVE PLEDGE AGREEMENT

         All of the Guarantor's accounts, accounts receivable, cash, chattel
paper, instruments, marketable securities, and other obligations of any kind,
whether or not evidenced by an instrument or chattel paper, and whether or not
it has been earned by performance whether now or hereafter existing, arising out
of or in connection with the sale or lease of goods or the rendering of services
or otherwise, and all rights now or hereafter existing in and to all security
agreements, leases and other contracts securing or otherwise relating to any
such accounts receivable.

                                       A-11st Amended & Restated Credit Agreement

 

Exhibit 10.1

FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT

AND THIRD AMENDMENT TO SECURITY AGREEMENT

     THIS FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT AND THIRD AMENDMENT TO SECURITY
AGREEMENT (this “Amendment”) dated as of June 22, 2005, is by and among APPLICA
INCORPORATED (the “Borrower”), a Florida corporation, each of its Subsidiaries identified
on the signature pages hereof, the Lenders identified on the signature pages hereof and BANK OF
AMERICA, N.A., as administrative agent for the Lenders (in such capacity, the “Agent”).
Terms used herein but not otherwise defined herein shall have the meanings provided to such terms
in the Credit Agreement (as hereinafter defined).

W I T N E S S E T H

     WHEREAS, the Borrower, the Subsidiaries, the Lenders and the Agent are parties to that certain
Amended and Restated Credit Agreement, dated as of November 17, 2004 (as further amended, modified,
supplemented, extended or restated from time to time, the “Credit Agreement”);

     WHEREAS, the Borrower, its Domestic Subsidiaries, and the Agent are parties to that certain
Security Agreement, dated as of December 28, 2001, as amended by that certain Fourth Amendment to
Credit Agreement and First Amendment to Security Agreement dated as of May 28, 2004 and that
certain Second Amendment to Security Agreement dated November 17, 2004 (as further amended,
modified, supplemented, extended or restated from time to time, the “Security Agreement”);

     WHEREAS, the parties hereto desire to amend certain terms of the Credit Agreement and the
Security Agreement as set forth in this Amendment;

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

     1. The Credit Agreement is hereby amended as follows:

     (a) by adding to Annex A to the Credit Agreement in the proper alphabetical location the
following new definitions of “2005 Seasonal Period”, “2005 Non-Recurring Charges”, “Fixed Charge
Availability Requirements”, “Fixed Charge Measurement Date”, “Minimum EBITDA Availability
Requirements” and “Minimum EBITDA Measurement Date”:

     “2005 Seasonal Period” means the period commencing on July 1,
2005 and continuing through November 30, 2005.

 

 

     “2005 Non-Recurring Charges” means non-recurring charges
arising from (i) the write-down by Borrower with respect to certain
Inventory of the Loan Parties for the Fiscal Quarter ended March 31, 2005,
which non-recurring charges shall not exceed $9,400,000, and (ii)
restructuring charges relating to the Mexican operations, which
non-recurring charges shall not exceed $7,600,000, of which no more than
$3,600,000 shall be cash charges.

     “Fixed Charge Availability Requirements” means (i) Average
Monthly Excess Availability for any month of not less than $28,000,000, or
(ii) Availability of not less than $20,000,000 on any day of such month.

     “Fixed Charge Measurement Date” means the last day of the
month which immediately precedes a month in which Borrower fails to achieve
the Fixed Charge Availability Requirements, and the last day of each month
thereafter. The first day that may constitute a Fixed Charge Measurement
Date shall be December 31, 2005.

     “Minimum EBITDA Availability Requirements” means Average
Monthly Excess Availability of not less than (i) $20,000,000 for each of
the months of July, August, September, October, and November of 2005, and
(ii) $28,000,000 for the month of December of 2005.

     “Minimum EBITDA Measurement Date” means (i) the last day of
the month which immediately precedes a month in which Borrower fails to
achieve the Minimum EBITDA Availability Requirements, and (ii) the last day
of each month thereafter during the 2005 Seasonal Period.

            (b) by deleting the definitions of “Availability”, “Availability Reserve”, “Average Monthly
Excess Availability”, “Consolidated EBITDA”, and “Seasonal Inventory Period” in Annex A to the
Credit Agreement and restating such definitions as follows:

     “Availability” means, at any time (a) the lesser of (i) the
Maximum Revolver Amount minus the Reserves, or (ii) the Borrowing
Base, minus (b) the Aggregate Revolver Outstandings at such time;
provided, that, for purposes of determining Availability,
solely as such term is used in Section 7.32 of the Credit Agreement and in
the definitions of “Average Monthly Excess Availability”, “Fixed Charge
Availability Requirements”, “Permitted Acquisition”, “Permitted Senior
Subordinated Debt Prepayments” and “Restricted Investment”, Availability
shall be computed as follows: at any time (a) the lesser of (i) the
Maximum Revolver Amount, or (ii) the Borrowing Base (calculated for this
purpose without deducting the Availability Reserve), minus (b) the
Aggregate Revolver Outstandings at such time.

 

 

     “Availability Reserve” means (i) during the 2005 Seasonal
Period, an amount equal to $15,000,000, (ii) from and after December 1,
2005, until at least 5 days after the date of delivery to the Agent of the
required Financial Statements and compliance certificate for the period
ending December 31, 2005, an amount equal to $20,000,000, and (iii)
thereafter (A) an amount equal to $10,000,000 for so long as the Fixed
Charge Coverage Ratio is greater than or equal to 1.0 to 1.0 but less than
2.0 to 1.0, (B) an amount equal to $20,000,000 for so long as the Fixed
Charge Coverage Ratio is less than 1.0 to 1.0, or (C) an amount equal to
$0, so long as the Fixed Charge Coverage Ratio is greater than 2.0 to 1.0.

     “Average Monthly Excess Availability” means for any calendar
month, an amount obtained by adding the aggregate of the actual amount of
Availability on each day during such month (as determined by Agent in
accordance with the terms of the Credit Agreement) and by dividing such sum
by the number of days in such month.

     “Consolidated EBITDA” means, with respect to any fiscal period
of the Borrower, the Adjusted Net Earnings from Operations of the Borrower
and the other Consolidated Members, plus, to the extent deducted in
the determination of Adjusted Net Earnings from Operations for that fiscal
period, interest expenses, federal, state, local and foreign income taxes,
depreciation, amortization, and the 2005 Non-Recurring Charges, in all
cases as determined in accordance with GAAP.

     “Seasonal Inventory Period” shall mean during any year (other
than 2005), the period commencing September 1 of such year and ending
November 15 of such year.

            (c) by deleting the definition of “Measurement Date” contained in Appendix A to the Credit
Agreement in its entirety

            (d) by adding the following new clause at the end of the definition of “Adjusted Net Earnings
From Operations” contained in Appendix A to the Credit Agreement:

; provided, that Adjusted Net Earnings From Operations shall not include any
income arising from any settlement or purchase price adjustment relating to
the sale of the Loan Parties’ equity interests in the Anasazi Partners, L.P.
joint venture investment partnership.

            (e) by adding the following new sentence to the end of the definition of “Applicable Margin”
contained in Appendix A to the Credit Agreement:

Notwithstanding anything to the contrary contained herein, the
Applicable Margin shall be set at Level VI at all times during the 2005
Seasonal Period.

 

 

            (f) by deleting Section 7.27 of the Credit Agreement and by restating such section as follows:

     7.27 Minimum Fixed Charge Coverage Ratio.

     On each Fixed Charge Measurement Date that occurs, the Borrower shall
maintain a Fixed Charge Coverage Ratio of not less than 1.0 to 1.0,
calculated as of such Fixed Charge Measurement Date. Once activated, the
Fixed Charge Coverage Ratio requirement of this Section 7.27 shall remain
in effect until such time as (a) Borrower has achieved the Fixed Charge
Availability Requirements for 2 consecutive calendar months and (b) no
Default or Event of Default then exists.

            (g) by adding the following new Section 7.34 to the Credit Agreement immediately following
Section 7.33 thereof:

     7.34 Minimum EBITDA. On each Minimum EBITDA Measurement Date
that occurs, the Borrower shall maintain a Consolidated EBITDA as of such
Minimum EBITDA Measurement Date of not less than the amount set forth below
for the corresponding period then ending:

	 	 	 	 	 	 	 	 	 
	Consolidated EBITDA	 	 	Period	 	 	 	 
	$	1,000,000	 	 	June 1, 2005 through  

	 	 	 	 	June 30, 2005

	 	 	 	 	 
	$	2,300,000	 	 	June 1, 2005 through

	 	 	 	 	July 31, 2005

	 	 	 	 	 
	$	3,500,000	 	 	June 1, 2005 through

	 	 	 	 	August 31, 2005

	 	 	 	 	 
	$	5,900,000	 	 	June 1, 2005 through

	 	 	 	 	September 30, 2005

	 	 	 	 	 
	$	16,500,000	 	 	June 1, 2005 through

	 	 	 	 	October 31, 2005

	 	 	 	 	 
	$	26,500,000	 	 	June 1, 2005 through

	 	 	 	 	November 30, 2005

            (h) by deleting clause (x) of Section 11.1(a) of the Credit Agreement and by substituting in
lieu thereof the following:

 

 

     (x) reduce, amend, waive or eliminate the minimum Availability
requirement with respect to Section 7.27 or Section 7.34.

            (i) by adding the Schedule of Patents and Schedule of Trademarks attached hereto as the
attachments to Schedule 6.12 to the Credit Agreement.

     2. The Security Agreement is hereby amended by adding the Schedule of Patents and Schedule of
Trademarks attached hereto as the attachments to Schedule III to the Security Agreement.

     3. In consideration of Agent’s and Lenders’ willingness to enter into this Amendment,
Borrower agrees to pay to Agent, for the benefit of itself and Lenders, an amendment fee in the
amount of $125,000 in immediately available funds on the date hereof (the “Amendment Fee”).

     4. The effectiveness of this Amendment is subject to the satisfaction of each of the following
conditions (in form and substance satisfactory to the Agent):

     (a) The Agent shall have received original counterparts of this Amendment duly executed by the
Loan Parties, the Agent and the Lenders;

     (b) The Agent shall have received original Notices of Grants of Security Interests in Patents
and Trademarks duly executed by the Loan Parties with respect to all material Proprietary Rights
acquired by the Loan Parties since the Closing Date;

     (c) The Agent shall have received the Amendment Fee; and

     (d) The Agent shall have received such additional agreements, certificates or documents as it
may reasonably request in connection with this Amendment.

     5. The Borrower and the Guarantors represent and warrant to the Agent and the Lenders that (i)
the representations and warranties of the Loan Parties set out in the Credit Agreement and in the
Security Agreement, each as amended by this Amendment, are true and correct as of the date hereof
(except those which expressly relate to an earlier period), (ii) no event has occurred and is
continuing which constitutes a Default or Event of Default and (iii) no Loan Party has any
counterclaims, offsets, credits or defenses to the Loan Documents and the performance of its
obligations thereunder, or if any Loan Party has any such claims, counterclaims, offsets, credits
or defenses to the Loan Documents or any transaction related to the Loan Documents, same are hereby
waived, relinquished and released in consideration of the Agent’s and the Lenders’ execution and
delivery of this Amendment.

     6. The Guarantors (i) acknowledge and consent to all of the terms and conditions of this
Amendment, (ii) affirm all of their obligations under the Loan Documents and (iii) agree that this
Amendment and all documents executed in connection herewith do not operate to reduce or discharge
the Guarantors’ obligations under Article 13 of the Credit Agreement or the other Loan
Documents.

 

 

     7. The Borrower and the Guarantors hereby represent and warrant to the Agent and the Lenders
as follows:

     (i) Each Loan Party has taken all necessary action to authorize the execution, delivery
and performance of this Amendment.

     (ii) This Amendment has been duly executed and delivered by the Loan Parties and
constitutes each of the Loan Parties’ legal, valid and binding obligations, enforceable in
accordance with its terms, except as such enforceability may be subject to (i) bankruptcy,
insolvency, reorganization, fraudulent conveyance or transfer, moratorium or similar laws
affecting creditors’ rights generally and (ii) general principles of equity (regardless of
whether such enforceability is considered in a proceeding at law or in equity).

     (iii) No consent, approval, authorization or order of, or filing, registration or
qualification with, any court or governmental authority or third party is required in
connection with the execution, delivery or performance by any Loan Party of this Amendment.

     8. Except as modified hereby, all of the terms and provisions of the Credit Agreement
(including Schedules and Exhibits), the Security Agreement (including Schedules and Exhibits) and
the other Loan Documents, and the obligations of the Loan Parties under the Credit Agreement, the
Security Agreement and the other Loan Documents, are hereby ratified and confirmed and shall remain
in full force and effect.

     9. This Amendment may be executed in any number of counterparts, each of which when so
executed and delivered shall be deemed an original and it shall not be necessary in making proof of
this Amendment to produce or account for more than one such counterpart.

     10. This Amendment shall be deemed to be a contract made under, and for all purposes shall be
construed in accordance with, the laws of the State of New York.

     11. To the fullest extent permitted by applicable law, the parties hereto each hereby waives
the right to trial by jury in any action, suit, counterclaim or proceeding arising out of or
related to this Amendment.

 

 

     IN WITNESS WHEREOF, each of the parties hereto has caused a counterpart of this Amendment to
be duly executed and delivered as of the date first above written.

	 	 	 	 	 
	 	 	“BORROWER”
	 
	 	 	 	 
	 	 	APPLICA INCORPORATED, a Florida corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Terry L. Polistina
	 

	 	 	 	 
	 	 	Name: Terry L. Polistina
	 	 	Title: Senior Vice President and CFO
	 
	 	 	 	 
	 	 	“GUARANTORS”
	 
	 	 	 	 
	 	 	APPLICA CONSUMER PRODUCTS, INC., a Florida
corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Lisa R. Carstarphen
	 

	 	 	 	 
	 	 	Name: Lisa R. Carstarphen
	 	 	Title: Corporate Secretary
	 
	 	 	 	 
	 	 	APPLICA CANADA CORPORATION, a

Nova Scotia corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Lisa R. Carstarphen
	 

	 	 	 	 
	 	 	Name: Lisa R. Carstarphen
	 	 	Title: Corporate Secretary
	 
	 	 	 	 
	 	 	WD DELAWARE, INC., a Delaware corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Lisa R. Carstarphen
	 

	 	 	 	 
	 	 	Name: Lisa R. Carstarphen
	 	 	Title: Corporate Secretary
	 
	 	 	 	 
	 	 	HP INTELLECTUAL CORP., a Delaware corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Lisa R. Carstarphen
	 

	 	 	 	 
	 	 	Name: Lisa R. Carstarphen
	 	 	Title: Corporate Secretary

 

 

	 	 	 	 	 
	 	 	WINDMERE HOLDINGS CORPORATION, a Delaware corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Lisa R. Carstarphen
	 

	 	 	 	 
	 	 	Name: Lisa R. Carstarphen
	 	 	Title: Corporate Secretary
	 
	 	 	 	 
	 	 	HP DELAWARE, INC., a Delaware corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Lisa R. Carstarphen
	 

	 	 	 	 
	 	 	Name: Lisa R. Carstarphen
	 	 	Title: Corporate Secretary
	 
	 	 	 	 
	 	 	HPG LLC, a Delaware limited liability company
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Lisa R. Carstarphen
	 

	 	 	 	 
	 	 	Name: Lisa R. Carstarphen
	 	 	Title: Corporate Secretary
	 
	 	 	 	 
	 	 	HP AMERICAS, INC., a Delaware corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Lisa R. Carstarphen
	 

	 	 	 	 
	 	 	Name: Lisa R. Carstarphen
	 	 	Title: Corporate Secretary
	 
	 	 	 	 
	 	 	APPLICA MEXICO HOLDINGS, INC.,
a Delaware corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Lisa R. Carstarphen
	 

	 	 	 	 
	 	 	Name: Lisa R. Carstarphen
	 	 	Title: Corporate Secretary

[Signatures continued on following page]

 

 

	 	 	 	 	 
	 	 	“AGENT”
	 
	 	 	 	 
	 	 	BANK OF AMERICA, N.A., as the Agent
	 
	 	 	 	 
	 

	 	By:	 	/s/
Sherry Lail
	 

	 	 	 	 
	 

	 	Name:	 	Sherry Lail 
	 

	 	 	 	 
	 

	 	Title:	 	Senior Vice President 
	 

	 	 	 	 
	 
	 	 	 	 
	 	 	“LENDERS”
	 
	 	 	 	 
	 	 	BANK OF AMERICA, N.A., as a Lender
	 
	 	 	 	 
	 

	 	By:	 	/s/
Sherry Lail 
	 

	 	 	 	 
	 

	 	Name:	 	Sherry Lail 
	 

	 	 	 	 
	 

	 	Title:	 	Senior Vice President 
	 

	 	 	 	 
	 
	 	 	 	 
	 	 	WACHOVIA BANK, NATIONAL ASSOCIATION, successor by
merger to Congress Financial Corporation (Florida),
as a Lender
	 
	 	 	 	 
	 

	 	By:	 	/s/ Rosanne Disalvatore 
	 

	 	 	 	 
	 

	 	Name:	 	Rosanne Disalvatore 
	 

	 	 	 	 
	 

	 	Title:	 	Vice President 
	 

	 	 	 	 
	 
	 	 	 	 
	 	 	LASALLE BUSINESS CREDIT, LLC, successor by merger to
LaSalle Business Credit, Inc., as agent for Standard
Federal Bank National Association, as a Lender
	 
	 	 	 	 
	 

	 	By:	 	/s/ Patrick Aarors 
	 

	 	 	 	 
	 

	 	Name:	 	Patrick Aarors 
	 

	 	 	 	 
	 

	 	Title:	 	First Vice President 
	 

	 	 	 	 
	 
	 	 	 	 
	 	 	GENERAL ELECTRIC CAPITAL CORPORATION, as a Lender
	 
	 	 	 	 
	 

	 	By:	 	/s/ Curt Correa 
	 

	 	 	 	 
	 

	 	Name:	 	Curt Correa 
	 

	 	 	 	 
	 

	 	Title:	 	Duly Authorized Signatory 
	 

	 	 	 	 

 

 

	 	 	 	 	 
	 
	 	 	 	 
	 	 	HSBC BUSINESS CREDIT (USA), INC., as a Lender
	 
	 	 	 	 
	 

	 	By:	 	/s/ Jimmy Schwartz 
	 

	 	 	 	 
	 

	 	Name:	 	Jimmy Schwartz 
	 

	 	 	 	 
	 

	 	Title:	 	Vice President 
	 

	 	 	 	 
	 
	 	 	 	 
	 	 	PNC BANK, NATIONAL ASSOCIATION, as a Lender
	 
	 	 	 	 
	 

	 	By:	 	/s/ Jay Stein 
	 

	 	 	 	 
	 

	 	Name:	 	Jay Stein 
	 

	 	 	 	 
	 

	 	Title:	 	Vice President

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