Common use of Amounts and Terms Clause in Contracts

Amounts and Terms. OF THE ADVANCES 28 Section 2.01. The Advances 28 Section 2.02. Requests for Advances 28 Section 2.03. Borrowings; Advances; Termination of Eurodollar Rate Advances 28 Section 2.04. Conversions and Continuations of Borrowings 31 Section 2.05. Optional Termination and Reduction of the Commitments 32 Section 2.06. Repayment and Prepayment of Advances; Notes 33 Section 2.07. Interest on Advances 34 Section 2.08. Interest Rate Determination 35 Section 2.09. Fees 35 Section 2.10. Payments; Computations; Interest on Overdue Amounts 35 Section 2.11. Consequential Losses on Eurodollar Rate Advances 36 Section 2.12. Increased Costs 37 Section 2.13. Replacement of Banks 37 Section 2.14. Illegality and Unavailability 38 Section 2.15. Taxes 41 Section 2.16. Payments Pro Rata 44 Section 2.17. Increase in Commitments 44 Section 2.18. Defaulting Banks 45 ARTICLE III. CONDITIONS 47 Section 3.01. Conditions Precedent to Effectiveness 47 Section 3.02. Conditions Precedent to Each Borrowing 48 Section 3.03. Administrative Agent 49 ARTICLE IV. GUARANTY 49 i Section 4.01. Guaranty 49 Section 4.02. Payment 49 Section 4.03. Waiver 49 Section 4.04. Acknowledgments and Representations 50 Section 4.05. Subordination 50 Section 4.06. Guaranty Absolute 50 Section 4.07. No Waiver; Remedies 50 Section 4.08. Continuing Guaranty 51 Section 4.09. Limitation 51 Section 4.10. Effect of Bankruptcy 51 Section 4.11. Keepwell 51 ARTICLE V. REPRESENTATIONS AND WARRANTIES 52 Section 5.01. Corporate Existence 52 Section 5.02. Corporate Power 52 Section 5.03. Enforceable Obligations 52 Section 5.04. Financial Statements 53 Section 5.05. Litigation 53 Section 5.06. Margin Stock; Use of Proceeds 53 Section 5.07. Investment Company Act 53 Section 5.08. ERISA 53 Section 5.09. Taxes 54 Section 5.10. Environmental Condition 54 Section 5.11. Ownership of the Guarantors 54 Section 5.12. Solvency 54 Section 5.13. Disclosure 54 Section 5.14. Anti-Corruption Laws and Sanctions 55 Section 5.15. EEA Financial Institution 55 Section 5.16. Use of Plan Assets 55 Section 5.17. Covered Entities 55 ARTICLE VI. AFFIRMATIVE COVENANTS 55 Section 6.01. Compliance with Laws, Etc 55 Section 6.02. Reporting Requirements 56 Section 6.03. Use of Proceeds 58 Section 6.04. Maintenance of Insurance 58 Section 6.05. Preservation of Corporate Existence, Etc 58 Section 6.06. Payment of Taxes, Etc 58 Section 6.07. Visitation Rights 59 Section 6.08. Compliance with ERISA and the Code 59 Section 6.09. Additional Guarantors 59 Section 6.10. Collateral Requirement 59 ARTICLE VII. NEGATIVE COVENANTS 60 Section 7.01. Financial Covenants 60 Section 7.02. Negative Pledge 61 Section 7.03. Merger, Sale of Assets and Sale-Leasebacks 61 Section 7.04. Agreements to Restrict Dividends, Certain Transfers and Liens 62 Section 7.05. Transactions with Affiliates 63 Section 7.06. Change of Business 63 Section 7.07. Limitation on Advances and Investments 63 Section 7.08. Accounting Practices 63 Section 7.09. Debt 64 Section 7.10. Restricted Payments 64 ARTICLE VIII. DEFAULTS 65 Section 8.01. Defaults 65 Section 8.02. Application of Funds 67 ARTICLE IX. THE ADMINISTRATIVE AGENT 68 Section 9.01. Authorization and Action 68 Section 9.02. Administrative Agent’s Reliance, Etc 69 Section 9.03. Knowledge of Defaults 69 Section 9.04. Rights of the Administrative Agent as a Bank 70 Section 9.05. Bank Credit Decision 70 Section 9.06. Successor Administrative Agent 71 Section 9.07. Joint Lead Arrangers and Bookrunners, Syndication Agents and Documentation Agents 71 Section 9.08. INDEMNIFICATION 72 Section 9.09. Collateral Matters 72 Section 9.10. Certain ERISA Matters 73 Section 9.11. Secured Cash Management Agreements, Secured Hedge Agreements, and Secured Bilateral Letters of Credit 74 ARTICLE X. MISCELLANEOUS 75 Section 10.01. Amendments, Etc 75 Section 10.02. Notices, Etc 76 Section 10.03. No Waiver; Remedies 76 Section 10.04. Costs, Expenses and Taxes 76 Section 10.05. Right of Set-off 78 Section 10.06. Bank Assignments and Participations 79 Section 10.07. Governing Law 81 Section 10.08. Interest 81 Section 10.09. Execution in Counterparts 83 Section 10.10. Survival of Agreements, Representations and Warranties, Etc 83 Section 10.11. The Borrower’s Right to Apply Deposits 83 Section 10.12. Confidentiality 83 Section 10.13. Binding Effect 84 Section 10.14. ENTIRE AGREEMENT 84 Section 10.15. USA PATRIOT ACT 85 Section 10.16. No Fiduciary Relationship 85 Section 10.17. Severability 85 Section 10.18. Waiver of Jury Trial 86 Section 10.19. Electronic Execution of Assignments and Certain Other Documents 86 Section 10.20. Acknowledgement and Consent to Bail-In of EEA Financial Institutions 86 Section 10.21. Acknowledgement Regarding Any Supported QFCs 87 EXHIBITS: Exhibit A Form of Note Exhibit B Form of Notice of Borrowing Exhibit C Form of Assignment Exhibit D Form of Opinion of Counsel for the Borrower and the Guarantors Exhibit E Form of U.S. Tax Compliance Certificate Exhibit F Form of Notice of Prepayment SCHEDULES: Schedule I - Banks and Administrative Agent’s Offices; Certain Addresses for Notices Schedule II - Borrower and Guarantors Addresses Schedule III - Permitted Liens Schedule IV - Agreements Restricting Dividends, Certain Transfers and Liens Schedule V - GAAP Exceptions Schedule VI - Investments Schedule VII - Permitted Debt Schedule VIII - Commitments CREDIT AGREEMENT CREDIT AGREEMENT (this “Agreement”), dated as of March 12, 2015 and amended as of November 13, 2015, September 13, 2016, April 30, 2018 and December 5, 2019 by and among XXXXXXX INTERNATIONAL, INC., a Delaware corporation (the “Borrower”), XXXXXXX RESTAURANT CORPORATION, a Delaware corporation (“Xxxxxxx Restaurant’), XXXXXXX FLORIDA, INC., a Delaware corporation (“Xxxxxxx Florida”), XXXXXXX TEXAS, INC., a Delaware corporation (“Xxxxxxx Texas”), XXXXXXX INTERNATIONAL PAYROLL COMPANY, L.P., a Delaware limited partnership (“Xxxxxxx Payroll”, and together with Xxxxxxx Restaurant, Xxxxxxx Florida, Xxxxxxx Texas and any Subsidiary that becomes a guarantor pursuant to Section 6.09, individually, a “Guarantor” and collectively, the “Guarantors”), the Banks party hereto, and BANK OF AMERICA, N.A., a national banking association, as administrative agent (in such capacity, the “Administrative Agent”) for the Banks hereunder.

Amounts and Terms. OF THE ADVANCES 28 Section 2.01. 12 SECTION 2.01 The Revolving Credit Advances 28 Section 2.02. Requests for and Reallocation Between Facilities 12 SECTION 2.02 Making the Revolving Credit Advances 28 Section 2.03. Borrowings; Advances; 13 SECTION 2.03 Competitive Bid Facility 15 SECTION 2.04 Facility Fees 18 SECTION 2.05 Termination of Eurodollar Rate Advances 28 Section 2.04. Conversions and Continuations of Borrowings 31 Section 2.05. Optional Termination and or Reduction of the Commitments 32 Section 2.06. 19 SECTION 2.06 Repayment and Prepayment of Advances; Notes 33 Section 2.07. Advances 19 SECTION 2.07 Interest on Revolving Credit Advances 34 Section 2.08. 19 SECTION 2.08 Interest Rate Determination 35 Section 2.09. Fees 35 Section 2.10. Payments; Computations; Interest on Overdue Amounts 35 Section 2.11. Consequential Losses on Eurodollar Rate 21 SECTION 2.09 Optional Conversion of Advances 36 Section 2.12. 22 SECTION 2.10 Prepayments 22 SECTION 2.11 Increased Costs 37 Section 2.13. Replacement 23 SECTION 2.12 Illegality 24 SECTION 2.13 Payments and Computations 25 SECTION 2.14 Taxes 26 SECTION 2.15 Sharing of Banks 37 Section 2.14. Illegality and Unavailability 38 Section 2.15. Taxes 41 Section 2.16. Payments Pro Rata 44 Section 2.17. Increase in Commitments 44 Section 2.18. Defaulting Banks 45 Payments, Etc 29 SECTION 2.16 Use of Proceeds 29 SECTION 2.17 Evidence of Debt 30 SECTION 2.18 Call Right of Affiliates 30 SECTION 2.19 Put Right of Affiliates 30 SECTION 2.20 Extension of Facility 31 ARTICLE III. III CONDITIONS 47 Section 3.01. TO EFFECTIVENESS AND LENDING 33 SECTION 3.01 Conditions Precedent to Effectiveness 47 Section 3.02. Initial Borrowing 33 SECTION 3.02 Conditions Precedent to Each Borrowing 48 34 SECTION 3.03 Determinations Under Section 3.03. Administrative Agent 49 3.01 34 ARTICLE IV. GUARANTY 49 i Section 4.01. Guaranty 49 Section 4.02. Payment 49 Section 4.03. Waiver 49 Section 4.04. Acknowledgments and Representations 50 Section 4.05. Subordination 50 Section 4.06. Guaranty Absolute 50 Section 4.07. No Waiver; Remedies 50 Section 4.08. Continuing Guaranty 51 Section 4.09. Limitation 51 Section 4.10. Effect of Bankruptcy 51 Section 4.11. Keepwell 51 ARTICLE V. IV REPRESENTATIONS AND WARRANTIES 52 Section 5.01. Corporate Existence 52 Section 5.02. Corporate Power 52 Section 5.03. Enforceable Obligations 52 Section 5.04. Financial Statements 53 Section 5.05. Litigation 53 Section 5.06. Margin Stock; Use of Proceeds 53 Section 5.07. Investment Company Act 53 Section 5.08. ERISA 53 Section 5.09. Taxes 54 Section 5.10. Environmental Condition 54 Section 5.11. Ownership 34 SECTION 4.01 Representations and Warranties of the Guarantors 54 Section 5.12. Solvency 54 Section 5.13. Disclosure 54 Section 5.14. Anti-Corruption Laws and Sanctions 55 Section 5.15. EEA Financial Institution 55 Section 5.16. Use Borrowers 34 ARTICLE V COVENANTS OF P&G 36 TABLE OF CONTENTS (continued) Page SECTION 5.01 Affirmative Covenants 36 SECTION 5.02 Negative Covenants 37 ARTICLE VIEVENTS OF DEFAULT 38 SECTION 6.01 Events of Plan Assets 55 Section 5.17. Covered Entities 55 Default 38 SECTION 6.02 Remedies 39 ARTICLE VI. AFFIRMATIVE COVENANTS 55 Section 6.01. Compliance with Laws, Etc 55 Section 6.02. Reporting Requirements 56 Section 6.03. Use of Proceeds 58 Section 6.04. Maintenance of Insurance 58 Section 6.05. Preservation of Corporate Existence, Etc 58 Section 6.06. Payment of Taxes, Etc 58 Section 6.07. Visitation Rights 59 Section 6.08. Compliance with ERISA and the Code 59 Section 6.09. Additional Guarantors 59 Section 6.10. Collateral Requirement 59 ARTICLE VII. NEGATIVE COVENANTS 60 Section 7.01. Financial Covenants 60 Section 7.02. Negative Pledge 61 Section 7.03. Merger, Sale of Assets and Sale-Leasebacks 61 Section 7.04. Agreements to Restrict Dividends, Certain Transfers and Liens 62 Section 7.05. Transactions with Affiliates 63 Section 7.06. Change of Business 63 Section 7.07. Limitation on Advances and Investments 63 Section 7.08. Accounting Practices 63 Section 7.09. Debt 64 Section 7.10. Restricted Payments 64 ARTICLE VIII. DEFAULTS 65 Section 8.01. Defaults 65 Section 8.02. Application of Funds 67 ARTICLE IX. THE ADMINISTRATIVE VIITHE AGENT 68 Section 9.01. 39 SECTION 7.01 Authorization and Action 68 Section 9.02. Administrative 39 SECTION 7.02 Agent’s Reliance, Etc 69 Section 9.03. Knowledge of Defaults 69 Section 9.04. Rights of the Administrative Agent as a Bank 70 Section 9.05. Bank 40 SECTION 7.03 Citibank and Affiliates 40 SECTION 7.04 Lender Credit Decision 70 Section 9.06. 40 SECTION 7.05 Indemnification 41 SECTION 7.06 Successor Administrative Agent 71 Section 9.07. Joint Lead Arrangers and Bookrunners, Syndication 41 SECTION 7.07 Sub-Agent 41 SECTION 7.08 Other Agents and Documentation Agents 71 Section 9.08. INDEMNIFICATION 72 Section 9.09. Collateral Matters 72 Section 9.10. Certain ERISA Matters 73 Section 9.11. Secured Cash Management Agreements, Secured Hedge Agreements, and Secured Bilateral Letters of Credit 74 42 ARTICLE X. MISCELLANEOUS 75 Section 10.01. VIIIMISCELLANEOUS 42 SECTION 8.01 Amendments, Etc 75 Section 10.02. 42 SECTION 8.02 Notices, Etc 76 Section 10.03. 42 SECTION 8.03 No Waiver; Remedies 76 Section 10.04. Costs, 43 SECTION 8.04 Costs and Expenses and Taxes 76 Section 10.05. 43 SECTION 8.05 Right of Set-off 78 Section 10.06. Bank 45 SECTION 8.06 Binding Effect 45 SECTION 8.07 Assignments and Participations 79 Section 10.07. 45 SECTION 8.08 Confidentiality 47 SECTION 8.09 Judgment Currency 48 SECTION 8.10 Additional Borrowers; Assumption of Advances 48 SECTION 8.11 Replacement of Lenders 49 SECTION 8.12 Governing Law 81 Section 10.08. Interest 81 Section 10.09. 49 SECTION 8.13 Jurisdiction 49 SECTION 8.14 Execution in Counterparts 83 Section 10.10. Survival of Agreements, Representations and Warranties, Etc 83 Section 10.11. The Borrower’s Right to Apply Deposits 83 Section 10.12. Confidentiality 83 Section 10.13. Binding Effect 84 Section 10.14. ENTIRE AGREEMENT 84 Section 10.15. USA PATRIOT ACT 85 Section 10.16. No Fiduciary Relationship 85 Section 10.17. Severability 85 Section 10.18. 50 SECTION 8.15 Waiver of Jury Trial 86 Section 10.19. Electronic Execution 50 SECTION 8.16 Patriot Act 50 Schedules Schedule I — List of Assignments and Certain Other Documents 86 Section 10.20. Acknowledgement and Consent to Bail-In of EEA Financial Institutions 86 Section 10.21. Acknowledgement Regarding Any Supported QFCs 87 EXHIBITS: Applicable Lending Offices Schedule II — Commitments Exhibits Exhibit A Form of Note Exhibit B A-1 — Form of Notice of Revolving Credit Borrowing Exhibit C A-2 — Form of Notice of Competitive Bid Borrowing Exhibit B — Form of Assignment and Acceptance Exhibit D C-1 — Form of Opinion of Luxembourg Counsel for the Initial Borrower and Exhibit C-2 — Form of Opinion of In-house Counsel for the Guarantors Initial Borrower Exhibit C-3 — Form of Opinion of Special Counsel for the Initial Borrower Exhibit D — Form of Borrower Accession Agreement Exhibit E — Form of U.S. Tax Compliance Section 2.14 Certificate Exhibit F F-1 — Form of Tranche A Note Exhibit F-2 — Form of Tranche B Note Exhibit F-3 — Form of Competitive Bid Note Exhibit G — Form of Notice of Prepayment SCHEDULES: Schedule I - Banks and Administrative Agent’s Offices; Certain Addresses for Notices Schedule II - Borrower and Guarantors Addresses Schedule III - Permitted Liens Schedule IV - Agreements Restricting Dividends, Certain Transfers and Liens Schedule V - GAAP Exceptions Schedule VI - Investments Schedule VII - Permitted Debt Schedule VIII - Commitments Extension of Termination Date $17,000,000,000 364-DAY REVOLVING CREDIT AGREEMENT CREDIT AGREEMENT Dated as of July 27, 2005, as amended as of July 30, 2006, as further amended as of December 7, 2006 and as further amended as of August 17, 2007 THE PROCTER & GXXXXX COMPANY, an Ohio corporation (this “AgreementP&G”), dated as of March 12, 2015 and amended as of November 13, 2015, September 13, 2016, April 30, 2018 and December 5, 2019 by and among XXXXXXX INTERNATIONAL, INC.PROCTER & GXXXXX INTERNATIONAL S.A.R.L., a Delaware corporation société à responsabilité limitée organized under the laws of the Grand Duchy of Luxembourg (the “BorrowerPGI”), XXXXXXX RESTAURANT CORPORATIONPROCTER & GXXXXX HOLDING (HK) LIMITED, a Delaware corporation company organized and existing under the laws of Hong Kong (“Xxxxxxx Restaurant’), XXXXXXX FLORIDA, INC., a Delaware corporation (“Xxxxxxx FloridaP&G HK”), XXXXXXX TEXAS, INC.PROCTER & GXXXXX INTERNATIONAL OPERATIONS S.A., a Delaware corporation company organized and existing under the laws of Switzerland (“Xxxxxxx Texas”PGIO” and, together with P&X, XXX, X&X HK and the Additional Borrowers (as hereinafter defined), XXXXXXX INTERNATIONAL PAYROLL COMPANY, L.P., a Delaware limited partnership (“Xxxxxxx Payroll”, and together with Xxxxxxx Restaurant, Xxxxxxx Florida, Xxxxxxx Texas and any Subsidiary that becomes a guarantor pursuant to Section 6.09, individually, a “Guarantor” and collectively, the “GuarantorsBorrowers”), the Banks party heretoLENDERS PARTY HERETO, and BANK OF AMERICACITIBANK, N.A., a national banking association, as sole lead arranger and administrative agent for such Lenders (in such capacitytogether with any successor thereto appointed pursuant to Article VII, the “Administrative Agent”) for the Banks hereunder), JPMORGAN CHASE BANK, N.A., as syndication agent and ABN AMRO BANK N.V., DEUTSCHE BANK AG, NEW YORK BRANCH and HSBC BANK USA, NATIONAL ASSOCIATION., as co-documentation agents, agree as follows:

Amounts and Terms. OF THE ADVANCES 28 Section 16 SECTION 2.01. The Advances 28 Section A Advances. 16 SECTION 2.02. Requests for Advances 28 Section Making the A Advances. 17 SECTION 2.03. Borrowings; The B Advances; Termination . 19 SECTION 2.04. Certain Fees. 22 SECTION 2.05. Reduction, Extensions and Increase of the Commitments. 23 SECTION 2.06. Repayment. 25 SECTION 2.07. Interest. 26 SECTION 2.08. Additional Interest on Eurodollar Rate Advances 28 Section 2.04Advances. Conversions and Continuations of Borrowings 31 Section 2.05. Optional Termination and Reduction of the Commitments 32 Section 2.06. Repayment and Prepayment of Advances; Notes 33 Section 2.07. Interest on Advances 34 Section 2.0827 SECTION 2.09. Interest Rate Determination 35 Section 2.09Determinations; Changes in Rating Systems. Fees 35 Section 27 SECTION 2.10. Payments; Computations; Interest on Overdue Amounts 35 Section Voluntary Conversion and Continuation of A Advances. 28 SECTION 2.11. Consequential Losses on Eurodollar Rate Advances 36 Section Prepayments of A Advances. 29 SECTION 2.12. Increased Costs 37 Section Costs. 30 SECTION 2.13. Replacement of Banks 37 Section Illegality. 30 SECTION 2.14. Illegality Payments and Unavailability 38 Section Computations. 30 SECTION 2.15. Taxes 41 Section Taxes. 32 SECTION 2.16. Payments Pro Rata 44 Section Sharing of Payments, Etc. 33 SECTION 2.17. Increase in Commitments 44 Section Right to Replace a Lender. 34 SECTION 2.18. Defaulting Banks 45 Evidence of Debt. 34 ARTICLE III. 3 CONDITIONS 47 Section OF LENDING 35 SECTION 3.01. Conditions Precedent to Effectiveness 47 Section Initial Borrowing. 35 SECTION 3.02. Conditions Precedent to Each Borrowing 48 Section A Borrowing. 36 SECTION 3.03. Administrative Agent 49 Conditions Precedent to Each B Borrowing. 36 ARTICLE IV. GUARANTY 49 i Section 4 REPRESENTATIONS AND WARRANTIES 37 SECTION 4.01. Guaranty Representations and Warranties of the Borrower. 37 ARTICLE 5 COVENANTS OF THE BORROWER 39 SECTION 5.01. Affirmative Covenants. 39 SECTION 5.02. Negative Covenants. 43 ARTICLE 6 EVENTS OF DEFAULT 46 SECTION 6.01. Events of Default. 46 ARTICLE 7 THE ADMINISTRATIVE AGENT 49 Section 4.02SECTION 7.01. Payment Authorization and Action. 49 Section 4.03SECTION 7.02. Waiver Administrative Agent's Reliance, Etc. 49 Section 4.04SECTION 7.03. Acknowledgments Citibank and Representations Affiliates. 50 Section 4.05SECTION 7.04. Subordination Lender Credit Decision. 50 Section 4.06SECTION 7.05. Guaranty Absolute Indemnification. 50 Section 4.07SECTION 7.06. Successor Administrative Agent. 50 SECTION 7.07. Arranger and Book Manager, Syndication Agent and Documentation Agent. 51 ARTICLE 8 MISCELLANEOUS 51 SECTION 8.01. Amendments, Etc. 51 SECTION 8.02. Notices, Etc. 52 SECTION 8.03. No Waiver; Remedies 50 Section 4.08Remedies. Continuing Guaranty 51 Section 4.09. Limitation 51 Section 4.10. Effect of Bankruptcy 51 Section 4.11. Keepwell 51 ARTICLE V. REPRESENTATIONS AND WARRANTIES 52 Section 5.01. Corporate Existence 52 Section 5.02. Corporate Power 52 Section 5.03. Enforceable Obligations 52 Section 5.04. Financial Statements 53 Section 5.05. Litigation 53 Section 5.06. Margin Stock; Use of Proceeds 53 Section 5.07. Investment Company Act 53 Section 5.08. ERISA 53 Section 5.09. Taxes 54 Section 5.10. Environmental Condition 54 Section 5.11. Ownership of the Guarantors 54 Section 5.12. Solvency 54 Section 5.13. Disclosure 54 Section 5.14. Anti-Corruption Laws and Sanctions 55 Section 5.15. EEA Financial Institution 55 Section 5.16. Use of Plan Assets 55 Section 5.17. Covered Entities 55 ARTICLE VI. AFFIRMATIVE COVENANTS 55 Section 6.01. Compliance with Laws, Etc 55 Section 6.02. Reporting Requirements 56 Section 6.03. Use of Proceeds 58 Section 6.04. Maintenance of Insurance 58 Section 6.05. Preservation of Corporate Existence, Etc 58 Section 6.06. Payment of Taxes, Etc 58 Section 6.07. Visitation Rights 59 Section 6.08. Compliance with ERISA and the Code 59 Section 6.09. Additional Guarantors 59 Section 6.10. Collateral Requirement 59 ARTICLE VII. NEGATIVE COVENANTS 60 Section 7.01. Financial Covenants 60 Section 7.02. Negative Pledge 61 Section 7.03. Merger, Sale of Assets and Sale-Leasebacks 61 Section 7.04. Agreements to Restrict Dividends, Certain Transfers and Liens 62 Section 7.05. Transactions with Affiliates 63 Section 7.06. Change of Business 63 Section 7.07. Limitation on Advances and Investments 63 Section 7.08. Accounting Practices 63 Section 7.09. Debt 64 Section 7.10. Restricted Payments 64 ARTICLE VIII. DEFAULTS 65 Section 8.01. Defaults 65 Section 8.02. Application of Funds 67 ARTICLE IX. THE ADMINISTRATIVE AGENT 68 Section 9.01. Authorization and Action 68 Section 9.02. Administrative Agent’s Reliance, Etc 69 Section 9.03. Knowledge of Defaults 69 Section 9.04. Rights of the Administrative Agent as a Bank 70 Section 9.05. Bank Credit Decision 70 Section 9.06. Successor Administrative Agent 71 Section 9.07. Joint Lead Arrangers and Bookrunners, Syndication Agents and Documentation Agents 71 Section 9.08. INDEMNIFICATION 72 Section 9.09. Collateral Matters 72 Section 9.10. Certain ERISA Matters 73 Section 9.11. Secured Cash Management Agreements, Secured Hedge Agreements, and Secured Bilateral Letters of Credit 74 ARTICLE X. MISCELLANEOUS 75 Section 10.01. Amendments, Etc 75 Section 10.02. Notices, Etc 76 Section 10.03. No Waiver; Remedies 76 Section 10.04SECTION 8.04. Costs, Expenses and Taxes 76 Section 10.05Indemnification. Right of Set-off 78 Section 10.0653 SECTION 8.05. Bank Binding Effect. 54 SECTION 8.06. Assignments and Participations 79 Section 10.07Participations. 54 SECTION 8.07. Governing Law 81 Section 10.08Law; Submission to Jurisdiction. Interest 81 Section 10.0957 SECTION 8.08. Severability. 57 SECTION 8.09. Execution in Counterparts 83 Section 10.10Counterparts. Survival of Agreements, Representations and Warranties, Etc 83 Section 10.1157 SECTION 8.10. The Borrower’s Right to Apply Deposits 83 Section 10.12Survival. Confidentiality 83 Section 10.13. Binding Effect 84 Section 10.14. ENTIRE AGREEMENT 84 Section 10.15. USA PATRIOT ACT 85 Section 10.16. No Fiduciary Relationship 85 Section 10.17. Severability 85 Section 10.1857 SECTION 8.11. Waiver of Jury Trial 86 Section 10.19Trial. Electronic Execution of Assignments 58 SECTION 8.12. Confidentiality. 58 SECTION 8.13. Existing Credit Agreements 58 SCHEDULES Schedule I — Banks and Certain Other Documents 86 Section 10.20. Acknowledgement and Consent to BailCommitments Schedule II — Existing Liens Schedule III — Existing Non-In of EEA Financial Institutions 86 Section 10.21. Acknowledgement Regarding Any Supported QFCs 87 EXHIBITS: Recourse Mortgage Debt EXHIBITS Exhibit A Form of Note Exhibit B A–1 — Form of Notice of A Borrowing Exhibit C A–2 — Form of Notice of B Borrowing Exhibit B — Form of Assignment and Acceptance Exhibit D C — Form of Opinion of Counsel for of the Borrower and the Guarantors Exhibit E D — Form of U.S. Tax Compliance Certificate Exhibit F Form Opinion of Notice of Prepayment SCHEDULES: Schedule I - Banks and Special New York Counsel to the Administrative Agent’s Offices; Certain Addresses for Notices Schedule II - Borrower and Guarantors Addresses Schedule III - Permitted Liens Schedule IV - Agreements Restricting Dividends, Certain Transfers and Liens Schedule V - GAAP Exceptions Schedule VI - Investments Schedule VII - Permitted Debt Schedule VIII - Commitments Agent CREDIT AGREEMENT CREDIT AGREEMENT (this “Agreement”), dated as of March 12June 23, 2015 and amended as of November 13, 2015, September 13, 2016, April 30, 2018 and December 5, 2019 by and 2000 among XXXXXXX INTERNATIONAL, THE MONY GROUP INC., a corporation organized under the laws of Delaware corporation (the “Borrower”), XXXXXXX RESTAURANT CORPORATION, a Delaware corporation the banks (“Xxxxxxx Restaurant’), XXXXXXX FLORIDA, INC., a Delaware corporation (“Xxxxxxx Florida”), XXXXXXX TEXAS, INC., a Delaware corporation (“Xxxxxxx Texas”), XXXXXXX INTERNATIONAL PAYROLL COMPANY, L.P., a Delaware limited partnership (“Xxxxxxx Payroll”, and together with Xxxxxxx Restaurant, Xxxxxxx Florida, Xxxxxxx Texas and any Subsidiary that becomes a guarantor pursuant to Section 6.09, individually, each a “GuarantorBank” and and, collectively, the “GuarantorsBanks”), ) listed on the Banks party heretosignature pages hereof, and BANK OF AMERICACITIBANK, N.A., a national banking association, as administrative agent (in such capacity, the “Administrative Agent”). The Borrower has requested that the Lenders (as hereinafter defined) make loans to it in an aggregate principal amount not exceeding $150,000,000 at any one time outstanding (as the same may be increased pursuant to Section 2.05(c)) for the Banks hereunder.general corporate purposes of the Borrower (including to support the Borrower’s commercial paper program), and the Lenders are prepared to make such loans upon the terms and conditions hereof. Accordingly, the parties hereto agree as follows:

Amounts and Terms. OF THE ADVANCES of Commitments 14 (a) The Revolving Credit 14 (b) Additional Borrowers 15 SECTION 2.02 Loan Accounts 15 SECTION 2.03 Procedure for Borrowing 15 SECTION 2.04 Conversion and Continuation Elections 16 SECTION 2.05 Utilization of Revolving Commitments in Offshore Currencies 17 SECTION 2.06 Voluntary Termination or Reduction of Total Commitment 19 SECTION 2.07 Prepayments 19 SECTION 2.08 Repayment 20 SECTION 2.09 Interest 20 SECTION 2.10 The Letter of Credit Subfacility 21 SECTION 2.11 Issuance, Amendment and Renewal of Letters of Credit 22 SECTION 2.12 Participations, Drawings and Reimbursements 24 SECTION 2.13 Automatic Renewals 25 SECTION 2.14 Repayment of Participations 25 SECTION 2.15 Role of the Issuing Bank 26 SECTION 2.16 Obligations Absolute 26 SECTION 2.17 Cash Collateral Pledge 27 SECTION 2.18 Letter of Credit Fees 28 Section 2.01SECTION 2.19 The Borrowers' Agent 28 SECTION 2.20 Uniform Customs and Practice 29 SECTION 2.21 Other Fees 29 (a)Arrangement Fee; Agency Fee 29 (b)Commitment Fees 29 (c)Fees Nonrefundable 29 SECTION 2.22 Computation of Fees and Interest 29 SECTION 2.23 Payments by the Borrowers 30 SECTION 2.24 Payments by the Banks to the Agent 31 SECTION 2.25 Sharing of Payments, Etc. The Advances 28 Section 2.02. Requests for Advances 28 Section 2.03. Borrowings; Advances; Termination of Eurodollar Rate Advances 28 Section 2.04. Conversions and Continuations of Borrowings 31 Section 2.05. Optional Termination SECTION 2.26 Taxes 32 SECTION 2.27 Illegality 34 SECTION 2.28 Increased Costs and Reduction of the Commitments 32 Section 2.06. Repayment and Prepayment of Advances; Notes 33 Section 2.07. Interest on Advances Return 34 Section 2.08. Interest Rate Determination SECTION 2.29 Funding Losses 35 Section 2.09. Fees SECTION 2.30 Inability to Determine Rates 35 Section 2.10. Payments; Computations; Interest on Overdue Amounts 35 Section 2.11. Consequential Losses on Eurodollar Rate Advances 36 Section 2.12. Increased Costs 37 Section 2.13. Replacement SECTION 2.31 Certificates of Banks 35 SECTION 2.32 Substitution of Banks 36 ARTICLE III Representations and Warranties 36 SECTION 3.01 Existence and Power 36 SECTION 3.02 Binding Effect 36 SECTION 3.03 Corporate Authorization; No Conflict 36 SECTION 3.04 Subsidiaries 36 SECTION 3.05 Financial Condition 36 SECTION 3.06 Litigation 37 Section 2.14SECTION 3.07 Governmental Authorization 37 SECTION 3.08 Title to Properties 37 SECTION 3.09 ERISA Compliance 37 SECTION 3.10 Use of Proceeds; Margin Regulations 37 SECTION 3.11 Taxes 37 SECTION 3.12 Environmental Matters 38 SECTION 3.13 Copyrights, Patents, Trademarks and Licenses, Etc. Illegality and Unavailability 38 Section 2.15. Taxes 41 Section 2.16. Payments Pro Rata 44 Section 2.17. Increase in Commitments 44 Section 2.18. Defaulting Banks 45 SECTION 3.14 Full Disclosure 38 SECTION 3.15 Regulated Entities 38 SECTION 3.16 Insurance 38 ARTICLE III. CONDITIONS 47 Section 3.01. IV Conditions Precedent to Effectiveness 47 Section 3.02. Conditions Precedent to 38 SECTION 4.01 Closing Date 38 SECTION 4.02 Each Borrowing 48 Section 3.03. Administrative Agent 49 Credit Event 39 ARTICLE IV. GUARANTY 49 i Section 4.01. Guaranty 49 Section 4.02. Payment 49 Section 4.03. Waiver 49 Section 4.04. Acknowledgments and Representations 50 Section 4.05. Subordination 50 Section 4.06. Guaranty Absolute 50 Section 4.07. No Waiver; Remedies 50 Section 4.08. Continuing Guaranty 51 Section 4.09. Limitation 51 Section 4.10. Effect of Bankruptcy 51 Section 4.11. Keepwell 51 ARTICLE V. REPRESENTATIONS AND WARRANTIES 52 Section 5.01. Corporate Existence 52 Section 5.02. Corporate Power 52 Section 5.03. Enforceable Obligations 52 Section 5.04. V Affirmative Covenants 40 SECTION 5.01 Financial Statements 53 Section 5.05. Litigation 53 Section 5.06. and Other Information 40 SECTION 5.02 Notices of Material Events 41 SECTION 5.03 Existence; Conduct of Business 41 SECTION 5.04 Payment of Obligations 41 SECTION 5.05 Maintenance of Properties; Insurance 41 SECTION 5.06 Books and Records; Inspection Rights 41 SECTION 5.07 Compliance with Laws 42 SECTION 5.08 Use of Proceeds and Letters of Credit 42 SECTION 5.09 Accession by Subsidiary 42 ARTICLE VI Negative Covenants 42 SECTION 6.01 Subsidiary Indebtedness 42 SECTION 6.02 Liens 43 SECTION 6.03 Sale and Leaseback Transactions 44 SECTION 6.04 Fundamental Changes 44 SECTION 6.05 Margin Stock; Use of Proceeds 53 Section 5.07. Investment Company Act 53 Section 5.08. ERISA 53 Section 5.09. Taxes 54 Section 5.10. Environmental Condition 54 Section 5.11. Ownership of the Guarantors 54 Section 5.12. Solvency 54 Section 5.13. Disclosure 54 Section 5.14. Anti-Corruption Laws and Sanctions 55 Section 5.15. EEA Financial Institution 55 Section 5.16. Use of Plan Assets 55 Section 5.17. Covered Entities 55 ARTICLE VI. AFFIRMATIVE COVENANTS 55 Section 6.01. Compliance with Laws, Etc 55 Section 6.02. Reporting Requirements 56 Section 6.03. Use of Proceeds 58 Section 6.04. Maintenance of Insurance 58 Section 6.05. Preservation of Corporate Existence, Etc 58 Section 6.06. Payment of Taxes, Etc 58 Section 6.07. Visitation Rights 59 Section 6.08. Compliance with ERISA and the Code 59 Section 6.09. Additional Guarantors 59 Section 6.10. Collateral Requirement 59 ARTICLE VII. NEGATIVE COVENANTS 60 Section 7.01. Financial Covenants 60 Section 7.02. Negative Pledge 61 Section 7.03. Merger, Sale of Assets and Sale-Leasebacks 61 Section 7.04. Unfriendly Acquisitions 45 SECTION 6.06 Fiscal Year 45 SECTION 6.07 Restrictive Agreements to Restrict Dividends, Certain Transfers and Liens 62 Section 7.05. Transactions with Affiliates 63 Section 7.06. Change of Business 63 Section 7.07. Limitation on Advances and Investments 63 Section 7.08. Accounting Practices 63 Section 7.09. Debt 64 Section 7.10. Restricted Payments 64 ARTICLE VIII. DEFAULTS 65 Section 8.01. Defaults 65 Section 8.02. Application of Funds 67 ARTICLE IX. THE ADMINISTRATIVE AGENT 68 Section 9.01. Authorization and Action 68 Section 9.02. Administrative Agent’s Reliance, Etc 69 Section 9.03. Knowledge of Defaults 69 Section 9.04. Rights of the Administrative Agent as a Bank 70 Section 9.05. Bank Credit Decision 70 Section 9.06. Successor Administrative Agent 71 Section 9.07. Joint Lead Arrangers and Bookrunners, Syndication Agents and Documentation Agents 71 Section 9.08. INDEMNIFICATION 72 Section 9.09. Collateral Matters 72 Section 9.10. Certain ERISA Matters 73 Section 9.11. Secured Cash Management Agreements, Secured Hedge Agreements, and Secured Bilateral Letters of Credit 74 ARTICLE X. MISCELLANEOUS 75 Section 10.01. Amendments, Etc 75 Section 10.02. Notices, Etc 76 Section 10.03. No Waiver; Remedies 76 Section 10.04. Costs, Expenses and Taxes 76 Section 10.05. Right of Set-off 78 Section 10.06. Bank Assignments and Participations 79 Section 10.07. Governing Law 81 Section 10.08. Interest 81 Section 10.09. Execution in Counterparts 83 Section 10.10. Survival of Agreements, Representations and Warranties, Etc 83 Section 10.11. The Borrower’s Right to Apply Deposits 83 Section 10.12. Confidentiality 83 Section 10.13. Binding Effect 84 Section 10.14. ENTIRE AGREEMENT 84 Section 10.15. USA PATRIOT ACT 85 Section 10.16. No Fiduciary Relationship 85 Section 10.17. Severability 85 Section 10.18. Waiver of Jury Trial 86 Section 10.19. Electronic Execution of Assignments and Certain Other Documents 86 Section 10.20. Acknowledgement and Consent to Bail-In of EEA Financial Institutions 86 Section 10.21. Acknowledgement Regarding Any Supported QFCs 87 EXHIBITS: Exhibit A Form of Note Exhibit B Form of Notice of Borrowing Exhibit C Form of Assignment Exhibit D Form of Opinion of Counsel for the Borrower and the Guarantors Exhibit E Form of U.S. Tax Compliance Certificate Exhibit F Form of Notice of Prepayment SCHEDULES: Schedule I - Banks and Administrative Agent’s Offices; Certain Addresses for Notices Schedule II - Borrower and Guarantors Addresses Schedule III - Permitted Liens Schedule IV - Agreements Restricting Dividends, Certain Transfers and Liens Schedule V - GAAP Exceptions Schedule VI - Investments Schedule VII - Permitted Debt Schedule VIII - Commitments CREDIT AGREEMENT CREDIT AGREEMENT (this “Agreement”), dated as of March 12, 2015 and amended as of November 13, 2015, September 13, 2016, April 30, 2018 and December 5, 2019 by and among XXXXXXX INTERNATIONAL, INC., a Delaware corporation (the “Borrower”), XXXXXXX RESTAURANT CORPORATION, a Delaware corporation (“Xxxxxxx Restaurant’), XXXXXXX FLORIDA, INC., a Delaware corporation (“Xxxxxxx Florida”), XXXXXXX TEXAS, INC., a Delaware corporation (“Xxxxxxx Texas”), XXXXXXX INTERNATIONAL PAYROLL COMPANY, L.P., a Delaware limited partnership (“Xxxxxxx Payroll”, and together with Xxxxxxx Restaurant, Xxxxxxx Florida, Xxxxxxx Texas and any Subsidiary that becomes a guarantor pursuant to Section 6.09, individually, a “Guarantor” and collectively, the “Guarantors”), the Banks party hereto, and BANK OF AMERICA, N.A., a national banking association, as administrative agent (in such capacity, the “Administrative Agent”) for the Banks hereunder.45 SECTION 6.08 Distributions 46 SECTION 6.09 Adjusted Leverage Ratio 46 SECTION 6.10 Consolidated Tangible Net Worth 46

Amounts and Terms. OF THE ADVANCES 28 Section 2.01. 17 SECTION 2.01 The Advances 28 Section 2.02. Requests for Advances 28 Section 2.03. BorrowingsLoans; Advances; Termination Application of Eurodollar Rate Advances 28 Section 2.04. Conversions and Continuations Proceeds 17 SECTION 2.02 Making the Loans, Evidence of Borrowings 31 Section 2.05. Optional Termination and Reduction Debt 17 SECTION 2.03 Fees 19 SECTION 2.04 Reducations of the Commitments 32 Section 2.06. 19 SECTION 2.05 Repayment 19 SECTION 2.06 Interest 19 SECTION 2.07 Additional Interest on Eurodollar Rate Loans 20 SECTION 2.08 Interest Rate Determinations; Changes in Rating Systems 20 SECTION 2.09 Voluntary Conversion and Continuation of Loans 22 SECTION 2.10 Prepayment of Advances; Notes 33 Section 2.07. Interest on Advances 34 Section 2.08. Interest Rate Determination 35 Section 2.09. Fees 35 Section 2.10. Loans 23 SECTION 2.11 Payments; Computations; Interest on Overdue Amounts 35 Section 2.11Etc. Consequential Losses on Eurodollar Rate Advances 36 Section 2.1223 SECTION 2.12 Sharing of Payments, Etc. 25 SECTION 2.13 Increased Costs 37 Section 2.13. 25 SECTION 2.14 Illegality 26 SECTION 2.15 Taxes 27 SECTION 2.16 Mitigation Obligations; Replacement of Banks 37 Section 2.14. Illegality and Unavailability 38 Section 2.15. Taxes 41 Section 2.16. Lenders 29 SECTION 2.17 Break Funding Payments Pro Rata 44 Section 2.17. Increase in Commitments 44 Section 2.18. Defaulting Banks 45 30 ARTICLE III. III CONDITIONS 47 Section 3.01. OF LENDING 30 SECTION 3.01 Conditions Precedent to Effectiveness 47 Section 3.02. Initial Borrowing 30 SECTION 3.02 Conditions Precedent to Each Borrowing 48 Section 3.03. 31 SECTION 3.03 Condition Precedent to the Making of the Delayed Term Loan 32 ARTICLE IV REPRESENTATIONS AND WARRANTIES 32 SECTION 4.01 Representations and Warranties 30 ARTICLE V COVENANTS 34 SECTION 5.01 Affirmative Covenants 34 SECTION 5.02 Negative Covenants 37 SECTION 5.03 Financial Covenants 38 ARTICLE VI EVENTS OF DEFAULT 38 SECTION 6.01 Events of Default 38 ARTICLE VII THE ADMINISTRATIVE AGENT 40 SECTION 7.01 Appointment and Authority 40 SECTION 7.02 Rights as a Lender 41 SECTION 7.03 Exculpatory Provisions 41 SECTION 7.04 Reliance by Administrative Agent 49 42 SECTION 7.05 Delegation of Duties 42 SECTION 7.06 Resignation of Administrative Agent 42 SECTION 7.07 Non-Reliance on Administrative Agent and Other Lenders 43 ARTICLE IVVIII MISCELLANEOUS 43 SECTION 8.01 Amendments, Etc. GUARANTY 49 i Section 4.0143 SECTION 8.02 Notices, Etc. Guaranty 49 Section 4.02. Payment 49 Section 4.03. Waiver 49 Section 4.04. Acknowledgments and Representations 50 Section 4.05. Subordination 50 Section 4.06. Guaranty Absolute 50 Section 4.07. 44 SECTION 8.03 No Waiver; Remedies 50 Section 4.08. Continuing Guaranty 51 Section 4.09. Limitation 51 Section 4.10. Effect of Bankruptcy 51 Section 4.11. Keepwell 51 ARTICLE V. REPRESENTATIONS AND WARRANTIES 52 Section 5.01. Corporate Existence 52 Section 5.02. Corporate Power 52 Section 5.03. Enforceable Obligations 52 Section 5.04. Financial Statements 53 Section 5.05. Litigation 53 Section 5.06. Margin StockRemidies; Use of Proceeds 53 Section 5.07. Investment Company Act 53 Section 5.08. ERISA 53 Section 5.09. Taxes 54 Section 5.10. Environmental Condition 54 Section 5.11. Ownership of the Guarantors 54 Section 5.12. Solvency 54 Section 5.13. Disclosure 54 Section 5.14. Anti-Corruption Laws Setoff 46 SECTION 8.04 Expenses; Indemnity; Damage Waiver 46 SECTION 8.05 Binding Effect, Successors and Sanctions 55 Section 5.15. EEA Financial Institution 55 Section 5.16. Use of Plan Assets 55 Section 5.17. Covered Entities 55 ARTICLE VI. AFFIRMATIVE COVENANTS 55 Section 6.01. Compliance with Laws, Etc 55 Section 6.02. Reporting Requirements 56 Section 6.03. Use of Proceeds 58 Section 6.04. Maintenance of Insurance 58 Section 6.05. Preservation of Corporate Existence, Etc 58 Section 6.06. Payment of Taxes, Etc 58 Section 6.07. Visitation Rights 59 Section 6.08. Compliance with ERISA and the Code 59 Section 6.09. Additional Guarantors 59 Section 6.10. Collateral Requirement 59 ARTICLE VII. NEGATIVE COVENANTS 60 Section 7.01. Financial Covenants 60 Section 7.02. Negative Pledge 61 Section 7.03. Merger, Sale of Assets and Sale-Leasebacks 61 Section 7.04. Agreements to Restrict Dividends, Certain Transfers and Liens 62 Section 7.05. Transactions with Affiliates 63 Section 7.06. Change of Business 63 Section 7.07. Limitation on Advances and Investments 63 Section 7.08. Accounting Practices 63 Section 7.09. Debt 64 Section 7.10. Restricted Payments 64 ARTICLE VIII. DEFAULTS 65 Section 8.01. Defaults 65 Section 8.02. Application of Funds 67 ARTICLE IX. THE ADMINISTRATIVE AGENT 68 Section 9.01. Authorization and Action 68 Section 9.02. Administrative Agent’s Reliance, Etc 69 Section 9.03. Knowledge of Defaults 69 Section 9.04. Rights of the Administrative Agent as a Bank 70 Section 9.05. Bank Credit Decision 70 Section 9.06. Successor Administrative Agent 71 Section 9.07. Joint Lead Arrangers and Bookrunners, Syndication Agents and Documentation Agents 71 Section 9.08. INDEMNIFICATION 72 Section 9.09. Collateral Matters 72 Section 9.10. Certain ERISA Matters 73 Section 9.11. Secured Cash Management Agreements, Secured Hedge Agreements, and Secured Bilateral Letters of Credit 74 ARTICLE X. MISCELLANEOUS 75 Section 10.01. Amendments, Etc 75 Section 10.02. Notices, Etc 76 Section 10.03. No Waiver; Remedies 76 Section 10.04. Costs, Expenses and Taxes 76 Section 10.05. Right of Set-off 78 Section 10.06. Bank Assigns 48 SECTION 8.06 Assignments and Participations 79 Section 10.0748 SECTION 8.07 Governing Law; Jurisdiction; Etc. Governing Law 81 Section 10.08. Interest 81 Section 10.09. 50 SECTION 8.08 Severability 51 SECTION 8.09 Counterparts; Integration; Effectiveness; Execution in Counterparts 83 Section 10.10. 51 SECTION 8.10 Survival of Agreements, Representations and Warranties, Etc 83 Section 10.11. The Borrower’s Right to Apply Deposits 83 Section 10.12. Confidentiality 83 Section 10.13. Binding Effect 84 Section 10.14. ENTIRE AGREEMENT 84 Section 10.15. USA PATRIOT ACT 85 Section 10.16. No Fiduciary Relationship 85 Section 10.17. Severability 85 Section 10.18. 52 SECTION 8.11 Waiver of Jury Trial 86 Section 10.19. Electronic Execution of Assignments 52 SECTION 8.12 Confidentiality 53 SECTION 8.13 No Fiduciary Relationship 53 SECTION 8.14 Headings 53 SECTION 8.15 USA PATRIOT Act 54 ii SCHEDULES Schedule I Lenders and Certain Other Documents 86 Section 10.20. Acknowledgement and Consent to Bail-In of EEA Financial Institutions 86 Section 10.21. Acknowledgement Regarding Any Supported QFCs 87 EXHIBITS: Commitments Schedule II Existing Liens EXHIBITS Exhibit A Form of Note Exhibit B Form of Notice of Borrowing Exhibit C Form of Assignment and Assumption Exhibit D D-1 Form of Opinion of Borrower's Internal Counsel for Exhibit D-2 Form of Opinion of Special New York Counsel to the Borrower and the Guarantors Exhibit E Form of U.S. Tax Compliance Certificate Exhibit F Form Opinion of Notice of Prepayment SCHEDULES: Schedule I - Banks and Special New York Counsel to the Administrative Agent’s Offices; Certain Addresses for Notices Schedule II - Borrower and Guarantors Addresses Schedule III - Permitted Liens Schedule IV - Agreements Restricting Dividends, Certain Transfers and Liens Schedule V - GAAP Exceptions Schedule VI - Investments Schedule VII - Permitted Debt Schedule VIII - Commitments Agent iii CREDIT AGREEMENT CREDIT AGREEMENT (this “Agreement”), dated as of March 12November 23, 2015 and amended as of November 13, 2015, September 13, 2016, April 30, 2018 and December 5, 2019 by and 2005 (this "Agreement") among XXXXXXX INTERNATIONALXXXX XXXXX, INC., a Delaware Maryland corporation (the “"Borrower”"), XXXXXXX RESTAURANT CORPORATIONeach of the Lenders (as defined below) party hereto, a Delaware corporation (“Xxxxxxx Restaurant’), XXXXXXX FLORIDAand CITICORP NORTH AMERICA, INC., a Delaware corporation (“Xxxxxxx Florida”), XXXXXXX TEXAS, INC., a Delaware corporation (“Xxxxxxx Texas”), XXXXXXX INTERNATIONAL PAYROLL COMPANY, L.P., a Delaware limited partnership (“Xxxxxxx Payroll”, and together with Xxxxxxx Restaurant, Xxxxxxx Florida, Xxxxxxx Texas and any Subsidiary that becomes a guarantor pursuant to Section 6.09, individually, a “Guarantor” and collectively, the “Guarantors”), the Banks party hereto, and BANK OF AMERICA, N.A., a national banking association, as administrative agent for such Lenders (in such capacity, the “"Administrative Agent”) for "). In connection with the Banks hereunder.Acquisition (as defined below), the Borrower has requested that the Lenders make term loans to it in aggregate amount up to but not exceeding $300,000,000, and the Lenders are willing to make such loans on and subject to the terms and conditions set forth herein. Accordingly, the parties hereto hereby agree as follows:

Amounts and Terms. OF THE ADVANCES 28 PURCHASE 1 Section 2.011.1 Initial Contribution of Receivables 1 Section 1.2 Purchase of Receivables. The Advances 28 1 Section 2.021.3 Payment for the Purchase. Requests for Advances 28 2 Section 2.031.4 Purchase Price Credit Adjustments 4 Section 1.5 Payments and Computations, Etc. Borrowings; Advances; Termination 4 Section 1.6 Transfer of Eurodollar Rate Advances 28 Records. 4 Section 2.04. Conversions 1.7 Characterization 5 Section 1.8 Allocation of Purchase Price and Continuations Indemnification 5 ARTICLE II REPRESENTATIONS AND WARRANTIES 6 Section 2.1 Representations and Warranties of Borrowings 31 Originator 6 ARTICLE III CONDITIONS OF PURCHASE 9 Section 2.05. Optional Termination and Reduction of the Commitments 32 Section 2.06. Repayment and Prepayment of Advances; Notes 33 Section 2.07. Interest on Advances 34 Section 2.08. Interest Rate Determination 35 Section 2.09. Fees 35 Section 2.10. Payments; Computations; Interest on Overdue Amounts 35 Section 2.11. Consequential Losses on Eurodollar Rate Advances 36 Section 2.12. Increased Costs 37 Section 2.13. Replacement of Banks 37 Section 2.14. Illegality and Unavailability 38 Section 2.15. Taxes 41 Section 2.16. Payments Pro Rata 44 Section 2.17. Increase in Commitments 44 Section 2.18. Defaulting Banks 45 ARTICLE III. CONDITIONS 47 Section 3.01. 3.1 Conditions Precedent to Effectiveness 47 Purchase 9 Section 3.02. 3.2 Conditions Precedent to Each Borrowing 48 Subsequent Payments 9 ARTICLE IV COVENANTS 10 Section 3.034.1 Affirmative Covenants 10 Section 4.2 Negative Covenants of Originator. Administrative Agent 49 13 ARTICLE IVV TERMINATION EVENTS 14 Section 5.1 Termination Events. GUARANTY 49 i 14 Section 4.015.2 Remedies. Guaranty 49 15 ARTICLE VI INDEMNIFICATION 15 Section 4.026.1 Indemnities by Originator 15 Section 6.2 Other Costs and Expenses 17 Section 6.3 Control of Defense 17 ARTICLE VII MISCELLANEOUS 18 Section 7.1 Waivers and Amendments. Payment 49 18 Section 4.037.2 Notices 18 Section 7.3 Protection of Ownership Interests of Buyer. Waiver 49 18 Section 4.047.4 Confidentiality. Acknowledgments and Representations 50 19 Section 4.057.5 Bankruptcy Petition. Subordination 50 20 Section 4.06. Guaranty Absolute 50 7.6 Limitation of Liability 20 Section 4.07. No Waiver7.7 CHOICE OF LAW 20 Section 7.8 CONSENT TO JURISDICTION 20 Section 7.9 WAIVER OF JURY TRIAL 20 Section 7.10 Integration; Remedies 50 Section 4.08. Continuing Guaranty 51 Section 4.09. Limitation 51 Section 4.10. Effect of Bankruptcy 51 Section 4.11. Keepwell 51 ARTICLE V. REPRESENTATIONS AND WARRANTIES 52 Section 5.01. Corporate Existence 52 Section 5.02. Corporate Power 52 Section 5.03. Enforceable Obligations 52 Section 5.04. Financial Statements 53 Section 5.05. Litigation 53 Section 5.06. Margin StockBinding Effect; Use of Proceeds 53 Section 5.07. Investment Company Act 53 Section 5.08. ERISA 53 Section 5.09. Taxes 54 Section 5.10. Environmental Condition 54 Section 5.11. Ownership of the Guarantors 54 Section 5.12. Solvency 54 Section 5.13. Disclosure 54 Section 5.14. Anti-Corruption Laws and Sanctions 55 Section 5.15. EEA Financial Institution 55 Section 5.16. Use of Plan Assets 55 Section 5.17. Covered Entities 55 ARTICLE VI. AFFIRMATIVE COVENANTS 55 Section 6.01. Compliance with Laws, Etc 55 Section 6.02. Reporting Requirements 56 Section 6.03. Use of Proceeds 58 Section 6.04. Maintenance of Insurance 58 Section 6.05. Preservation of Corporate Existence, Etc 58 Section 6.06. Payment of Taxes, Etc 58 Section 6.07. Visitation Rights 59 Section 6.08. Compliance with ERISA and the Code 59 Section 6.09. Additional Guarantors 59 Section 6.10. Collateral Requirement 59 ARTICLE VII. NEGATIVE COVENANTS 60 Section 7.01. Financial Covenants 60 Section 7.02. Negative Pledge 61 Section 7.03. Merger, Sale of Assets and Sale-Leasebacks 61 Section 7.04. Agreements to Restrict Dividends, Certain Transfers and Liens 62 Section 7.05. Transactions with Affiliates 63 Section 7.06. Change of Business 63 Section 7.07. Limitation on Advances and Investments 63 Section 7.08. Accounting Practices 63 Section 7.09. Debt 64 Section 7.10. Restricted Payments 64 ARTICLE VIII. DEFAULTS 65 Section 8.01. Defaults 65 Section 8.02. Application of Funds 67 ARTICLE IX. THE ADMINISTRATIVE AGENT 68 Section 9.01. Authorization and Action 68 Section 9.02. Administrative Agent’s Reliance, Etc 69 Section 9.03. Knowledge of Defaults 69 Section 9.04. Rights of the Administrative Agent as a Bank 70 Section 9.05. Bank Credit Decision 70 Section 9.06. Successor Administrative Agent 71 Section 9.07. Joint Lead Arrangers and Bookrunners, Syndication Agents and Documentation Agents 71 Section 9.08. INDEMNIFICATION 72 Section 9.09. Collateral Matters 72 Section 9.10. Certain ERISA Matters 73 Section 9.11. Secured Cash Management Agreements, Secured Hedge Agreements, and Secured Bilateral Letters of Credit 74 ARTICLE X. MISCELLANEOUS 75 Section 10.01. Amendments, Etc 75 Section 10.02. Notices, Etc 76 Section 10.03. No Waiver; Remedies 76 Section 10.04. Costs, Expenses and Taxes 76 Section 10.05. Right of Set-off 78 Section 10.06. Bank Assignments and Participations 79 Section 10.07. Governing Law 81 Section 10.08. Interest 81 Section 10.09. Execution in Counterparts 83 Section 10.10. Survival of Agreements, Representations Terms. 20 Section 7.11 Counterparts; Severability; Section References 21 Exhibits and Warranties, Etc 83 Section 10.11. The Borrower’s Right to Apply Deposits 83 Section 10.12. Confidentiality 83 Section 10.13. Binding Effect 84 Section 10.14. ENTIRE AGREEMENT 84 Section 10.15. USA PATRIOT ACT 85 Section 10.16. No Fiduciary Relationship 85 Section 10.17. Severability 85 Section 10.18. Waiver Schedules Exhibit I — Definitions Exhibit II — Principal Place(s) of Jury Trial 86 Section 10.19. Electronic Execution Business; Location(s) of Assignments and Certain Records; Federal Employer Identification Number; Organizational Number; Other Documents 86 Section 10.20. Acknowledgement and Consent to BailNames Exhibit III — Lock-In of EEA Financial Institutions 86 Section 10.21. Acknowledgement Regarding Any Supported QFCs 87 EXHIBITS: Boxes; Collection Accounts; Collection Banks Exhibit A IV — Form of Note Exhibit B Form of Notice of Borrowing Exhibit C Form of Assignment Exhibit D Form of Opinion of Counsel for the Borrower and the Guarantors Exhibit E Form of U.S. Tax Compliance Certificate Exhibit F V — Copy of Credit and Collection Policy Exhibit VI — Form of Notice Subordinated Note Exhibit VII — Form of Prepayment SCHEDULES: Purchase Report Schedule I - Banks and Administrative Agent’s Offices; Certain Addresses for Notices Schedule II - Borrower and Guarantors Addresses Schedule III - Permitted Liens Schedule IV - Agreements Restricting Dividends, Certain Transfers and Liens Schedule V - GAAP Exceptions Schedule VI - Investments Schedule VII - Permitted Debt Schedule VIII - Commitments CREDIT AGREEMENT CREDIT AGREEMENT (this “Agreement”), dated as A — List of March 12, 2015 and amended as of November 13, 2015, September 13, 2016, April 30, 2018 and December 5, 2019 by and among XXXXXXX INTERNATIONAL, INC., a Delaware corporation (Documents to Be Delivered to Buyer Prior to the “Borrower”), XXXXXXX RESTAURANT CORPORATION, a Delaware corporation (“Xxxxxxx Restaurant’), XXXXXXX FLORIDA, INC., a Delaware corporation (“Xxxxxxx Florida”), XXXXXXX TEXAS, INC., a Delaware corporation (“Xxxxxxx Texas”), XXXXXXX INTERNATIONAL PAYROLL COMPANY, L.P., a Delaware limited partnership (“Xxxxxxx Payroll”, and together with Xxxxxxx Restaurant, Xxxxxxx Florida, Xxxxxxx Texas and any Subsidiary that becomes a guarantor pursuant to Section 6.09, individually, a “Guarantor” and collectively, the “Guarantors”), the Banks party hereto, and BANK OF AMERICA, N.A., a national banking association, as administrative agent (in such capacity, the “Administrative Agent”) for the Banks hereunder.Purchase