“Syndication Agent” means JPMorgan Chase Bank, N.A., in its capacity as syndication agent for the credit facility proven in this Agreement. A retail credit facility is a method of financing – essentially a type of loan or line of credit – used by retailers and real estate companies. Credit cards are a form of credit facility for retail customers. When times get tough, credit can be an essential resource to help businesses weather a storm. Specifically, credit facilities can be real lifelines. This type of loan is the offer of a lending institution to grant a loan to a business customer, often in the form of overdrafts, revolving lines of credit or letters of credit. The loan agreement is a written document that sets out the terms of the loan. (i) impose, modify or consider as applicable a reserve, special deposit, compulsory loan, insurance costs or similar requirements for assets, deposits with or on behalf of a creditor (other than a reserve obligation included in the LIBO rate) or an LC issuer; A schedule of conditions precedent specifies all conditions precedent. For example, a condition precedent could be an obligation for the borrower to sign an agreement to bring any dispute about the contract to arbitration. SECTION 3.11. Neither the borrower nor any subsidiary carries out mainly or as one of its significant lending activities for the purpose of acquiring or accounting for margin shares (within the meaning of Council Regulation U). Margin shares (as defined in Council Regulation U) represent less than 25% of the assets of the borrower and its subsidiaries subject to a sales, pledge or other restriction.

(c) The Borrower shall notify the Administrative Agent at least one business day prior to the effective date of such termination or reduction of any decision to terminate or reduce the obligations referred to in paragraph (b) of this Section, indicating such election and the effective date. Any notice from the borrower under this section will be irrevocable; provided that a notice of termination of the obligations entered into by the Borrower may indicate that such notice is subject to the effectiveness of other credit facilities, in which case such notice may be revoked by the Borrower (by notice to the Administrative Agent no later than the specified effective date) if this condition is not met. Any termination or reduction of obligations is permanent. Any reduction in obligations is calculable between lenders in accordance with their respective obligations. Institutional credit agreements must be agreed and signed by all parties involved. In many cases, these loan agreements must also be filed and approved by the Securities and Exchange Commission (SEC). “Lien” means, with respect to the assets, (a) mortgages, trust deeds, liens, liens, liens, mortgages, charges, fees or security rights on, on or from such assets, and (b) the interest of a seller or lessor under a conditional purchase agreement, capital lease or retention of title relating to such assets. (h) other privileges arising in the ordinary course of business and not related to borrowing or obtaining advances or credits, which, taken as a whole, do not appreciably affect the value of their assets or significantly impede their use for the operation of their business; This is the term for the standard provisions included in each installation. For example, a provision that a written agreement is required to change the terms of the loan may be part of the standard.

IMPORTANT INFORMATION ABOUT HOW TO OPEN A NEW ACCOUNT. To assist the U.S. government in combating terrorist financing and money laundering activities, federal law requires all financial institutions to obtain, verify, and record identifying information about anyone who opens an account, including a deposit account, a cash management account, a loan, another loan extension or financial services product. When the borrower opens an account, the administrative agent and lenders will ask for the borrower`s name153, tax identification number, business address, and other information that will allow the administrative agent and lenders to identify the borrower. The administrative agent and lenders may also request to review the borrower`s legal organizational documents153 or other identification documents. No LC issuer will be required to modify an LC facility LC if (x) that LC issuer would not be required at that time to issue that facility LC in its modified form in accordance with the terms of that facility, or (y) the beneficiary of that LC facility does not accept the proposed amendment to that facility LC. No LC issuer will act on behalf of the lenders with respect to any CL Facility and related documents issued by it, and each LC Issuer will receive all benefits and immunities (x) granted to the Managing Agent in Article VII with respect to acts or omissions suffered by that LC Issuer in connection with the Facility CLs issued or provided for by it and the Facility. LC`s applications in respect of these facility LCs are as complete as if the term “managing agent” as used in Article VII were addressed to those LC issuers with respect to those acts or omissions and (y) as further specified herein with respect to LC issuers. LC Facility or, in any event, a shorter period which may be agreed by the relevant LC issuer and the managing agent, in a particular case, indicating the name and address of the beneficiary, the proposed date of issue (or amendment) (which is a working day), the expiry date of this LC Facility, the amount of this LC Facility, the documents, which that beneficiary is required to provide in the event of a draw in connection with that draw, the full text of a certificate which it is required to provide in the event of a draw under this facility, the subject matter and nature of the LC facility requested, the nature of the proposed change (in the event of a change) and any other information necessary for the establishment of such an LC FACILITY or which the LC issuer concerned may require. .

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